Kunye ekhaya iimali-mboleko (renovation kwaye umhombiso), kwaye esilungiselelwe ukuthenga a car (nokuba entsha okanye esetyenziswa) ukuba kwi-Italy ingaba i-masters (iyabala kuba nama-amathandathu le iyonke kwaye kwi-kweenkonzo), kwaye ingabi forgetting ukuba kunye mbhodamo ukubonelelwa ngabantu ukuboleka imali ukufumana ekupheleni kwenyanga, oko kuluncedo ukuba uyazi yintoni iimfuno ukufumana imali-mbolekoOkokuqala kufuneka wazi apho kukho imizimba eliphathiswe ulungiselelo ka-financing, ezifana ngeenjongo igqunywe kwaye yintoni iziqinisekiso ezifunekayo kuba disbursement ye-financing. Kwi-Italy, iibhanki kwaye mali intermediaries ebhalisiweyo kwi-ezikhethekileyo kubhalisa kukho subjects wagunyazisa azinike kwaye yandisa credit ukuba umthengi, egama engundoqo iintlobo ziquka: kwindawo yesibini ndawo, i-bank iya gqala ngokumnika ka-mali kwi isiseko yayo umngcipheko imigaqo-nkqubo kunye creditworthiness ngumfaki-sicelo. Lokuqala kunjalo, ngalinye iziko usebenza eyakhe umngcipheko-nkqubo, ngokusekelwe izitatistiki idata yakhe yakhe ulawulo (credit yenza inqaku) ukuze bagcine delinquencies ngezantsi ethile inqanaba. Ngokubhekiselele kule creditworthiness ngumfaki-sicelo, nangona kunjalo, uvavanyo lwenziwa eya kuthatha i-akhawunti ka-ubudlelwane phakathi repayment umyinge kwaye ingeniso-sicelo ukuba, ngokubanzi, akufunekanga zingaphezu amathathu ukongeza, ingaba abonisana ngendlela iingxelo kuvunyelwa ngumthetho Umngcipheko Central (CRIF), apho ubungqina na amadoda intlawulo okanye delays kwi-repayment ka-edlulileyo financing. Njengoko i-okungokunye iintlobo-mboleko zomthonyama, iimeko apho umfaki-sicelo sibhaliswe kwi-uluhlu i-CRIF, kuye kuyenzeka ukuba ingaba recourse ukuba isicelo kuba ukunikezelwa omnye anesihlanu ukuba, suggesting efanelekileyo iziqinisekiso ukususela umqeshi ukuba abasebenzi (okanye i-arhente yokhuseleko lwezentlalo lungiselelo retirees), ikuvumela ukuba afumane imali-mboleko nkqu kwimeko a engalunganga credit imbali. Nangona kunjalo, kubalulekile ukukhumbula ukuba amazinga ka-reimbursement ye-ukuthengisa i-anesihlanu ingaba ngaphezulu kwama-abo ezibonelelwe ngu-amanye amaxwebhu ka-financing. Ngexesha ngokubanzi isibonelelo ka-mboleko ayikho ngokwemeko phezu ubonelelo collateral (umzekelo, i-mortgage), umda umngcipheko insolvency, rhoqo lenders kufuna ebusweni abanye abantu, i-ebizwa-coobbligati, oya kuthwala uxanduva repayment ye-credit kwimeko apho nonperformance ka-umthengi. I-ezongezelelweyo ifomu zokhuseleko kuba okukhusela creditors ngu ebusweni i-inshorensi coverage, inkqubo esisinyanzelo kwimeko - ukuthengisa i-anesihlanu (covering umngcipheko ubomi kwaye ngomhla umngcipheko imisebenzi ye-sicelo) kwaye imali ubomi ichaphazela (umonakalo ngomlilo kwaye comment ye-real estate), eyodwa kuzo zonke ezinye iimeko. Ke ngoko, uthelekiso ezimbini okanye ngaphezulu inikezela, APR ingaba kwinto ka-uthelekiso yi best, ukususela kuthatha ingqalelo iyonke iindleko-mboleko, ukuquka zonke ezo enxulumene iindleko idla ayifakwanga ukususela ukubalwa i-TAN. Kubalulekile, nangona kunjalo, kukho imfuneko khumbula ukuba uthelekiso ka-i-tic phakathi ezimbini okanye ngaphezulu iimali-mboleko, kuyenzeka kuphela ngomhla no mimiselo (isixa financed, kwaye ubude bexesha).
Eneneni, oko kuluncedo ukukhumbula ukuba, kuba kunikwa isixa financed, APR ngu ukuphumela kunye ukwanda ixesha eliqhubekekayo imali-mboleko xa no ixesha, APR ngu ukuphumela kunye ukwanda isixa-mali-mboleko.
Kulo naliphi na ityala, ukuba ufuna ukufumana imali-mboleko ezininzi convenient indlela ukwenza caphula ngomhla wethu web site kwaye uza kuba uluhlu zonke iimali-mboleko kunye ngakumbi advantageous iimeko. Ngokomthetho wepalamente ihlala isebenza, kuba umxhasi abafanele ukusoloko kunokwenzeka ukuba settle i-financing kwangaphambili umhla scheduled ugqibo umhla. Kwayena lowo uya kuba ukuba reimburse eziseleyo imali? kwafuneka maggioratodi a esangezelelweyo, apho akuvumelekanga ukuba ube ngaphezu kwe- isixa-mali financed. Kukho engcono ixesha lihlawule financing I-repayment isicwangciso esetyenziswa yi-Italian banking ndlela achazwa"isifrentshi". Oku methodology ibonelela kuba intsingiselo singekalindelwa sum ezimbini iinxenye, inzala, isabelo kwaye eyinkunzi isabelo.
A kwalomgaqo-siseko uphawu lwe depreciation ye-French kukuba lokuqala umyinge sele njengoko integral babefumene isabelo inzala, ngexesha yokugqibela kubalulekile predominant ngaphezu kwazo zonke umlinganiselo we-share eyinkunzi.
Ngamanye amazwi, nge prime umyinge ayikwazi ngaphezu kwazo zonke, izinto ezichaphazela, kunye yokugqibela, imali eyinkunzi. Oku kwenza kube kakhulu ngakumbi advantageous ukuhlawula ngaphandle imali-mboleko ekuqaleni repayment isicwangciso kuthelekiswa ne ukuba ekupheleni. Luncedo ngokucacileyo ngakumbi elinovakalelo ukuba ixesha elide iimali-mboleko ukuba ufaka ayikwazi ukuba lihlawule yokuqala iminyaka emithathu imali-mboleko ka- zidlulileyo, ufumana u'a savings (ngokomthetho inzala hayi ihlawulwe) iselwa ezibalulekileyo. Uyise kwi - isebenziseke imiba, ukumbule ukuba ukuduka ye-mboleko phambi kwexesha ngokuthumela i-unxibelelwano olufanelekileyo kwi-Credit Iziko ukuba kufuneka conveyed nge unobumba R. Ukongeza unxibelelwano isicelo kuba phambi kwexesha termination, kuyimfuneko ukufaka ebizwa-' - akhawunti extinguishing', ngokucacileyo ngu ubalo isixa-mali imali ukuba kufuneka kuhlawulwa ukuze ufumane onikwe imvume yokulahlela ye-mboleko. Kanye nifumene oku ubalo, inkxaso-mali proceeds ukuba reclamation of isixa-mali communicated yi-Bank, okanye i-Mali. Ezi xa enze isicelo, anike 'ukukhutshwa ifomu', ngokucacileyo ngu isibhengezo ukuba attests ukuba extinguishment ye-mboleko. Kwintlambo i-ukuduka ye-mboleko, linegunya Yemali Amaziko ukuba zithungelana ukuba ezahlukeneyo data iibhanki, credit kwaye ezahlukeneyo data wekhredithi bank kwangoko termination of imali-mboleko. Oku inyathelo lesi-kubaluleke kakhulu kuba umthengi ukuba ufuna kwixesha elizayo kwaye regain ukufikelela credit.
