Qaphela ukuthi ngokwesilinganiso, i- kubekwe umkhawulo emiholweni yezimenenja kufinyelela cishe kuma-euro ayi-14.000 ngoba umuntu ongashadile nama-euro angama-26.000 ngoba umbhangqwana onezingane ezimbili. ngoba ulwazi olwengeziwe mayelana nesicelo sakhoAPL, ungabheka isihloko sethu ku-APL ukungena.
Ngakho-ke, yiziphi izikweletu ezisizwa nguhulumeni?
- Ukuqhathanisa izikweletu ezixhaswe .
- Le Ilungile ngenani elinguziro (PTZ): imali ebolekiwe yoxhaso ngaphandle kwenzalo yokukhokha.
- Le Ilungile ye-Social Accession (PAS): loan of ukusiza ubunikazi bendlu
- Le Ilungile Inenkontileka (PC)
- Le Ilungile ukugcinwa kwezindlu (kusuka ku-PEL)
- Le Ilungile ezikhulwini.
- Le Ilungile iziphathimandla zendawo.
Wazi kanjani uma unemalimboleko egunyaziwe? THE imalimboleko egunyaziwe ngu enikezwe ngaphansi kwemibandela ethile ephathelene ikakhulukazi nendawo yokuhlala okukhulunywa ngayo. Lokhu kufanele kube yindawo yokuhlala eyinhloko yomboleki. Ukufakazela lokho, kufanele ahlale lapho okungenani izinyanga eziyi-8 unyaka ngamunye.
Iluphi uhlobo lwendawo olungaxhasa ngezimali isikweletu esigunyaziwe? Amaphrojekthi axhaswe ngabakwa imalimboleko evunyelwene ngayo
Le imali ebolekiwe egunyaziwe ingaxhasa ngezimali ukuthengwa kwendawo yokuhlala eyinhloko endala, ukutholwa kwendawo yokuhlala eyinhloko entsha: Ukuthengiswa Kwesimo Sesikhathi Esizayo Sokuqedwa (VEFA), Okhiye esandleni, noma ukwakhiwa kwendawo yokuhlala.
Ubani ohlinzeka ngemalimboleko yosizo lomphakathi?
Ce loan inikezwe ngu imiphakathi izocelwa kuye d'une ibhange nanoma yisiphi esinye isikhungo credit engene esivumelwaneni nomasipala, umnyango noma isifunda okukhulunywa ngaso.
Sekushiwo, yini i-PTH loan? THE Yonke Imalimboleko Yezindlu
Kuzo zonke izikhungo zamabhange, sithola I-PTH, evame ukusetshenziswa lapho umboleki engakwazi noma engafuni ukuzuza ku-a loan kulawulwa.
Yisiphi isikhathi sokufaneleka sokunikezwa kwenkontileka yesikweletu? Ukufaneleka komnikelo ukubolekwa
Thesipho loan ibophezela ibhange. I ubuqiniso wakhe isiphakamiso Izinsuku ezingu-30 lapho ingeke icabange kabusha isikhundla sayo noma ibeke imibandela emisha.
Injani imvelo yemalimboleko? Lapho nature we ukubolekisa ingcebo ongafaka kuyo isicelo incike ku nature (izindlu ezintsha noma ezindala) kanye nenjongo yokutholwa kwezindlu zakho (indawo yokuhlala enkulu, indawo yokuhlala yesibili noma ukutshalwa kwezimali okuqashiswayo).
Yiziphi izikweletu ezilawulwayo?
Sithola ku izikweletu ezilawulwayo :
- le loan ngenani elinguziro (PTZ)
- le loan inkontileka (PC)
- le loan ekungeneni komphakathi (PAS)
- le loan ukonga izindlu (PEL)
- le loan Isenzo sezindlu.
- le loan I-Social Rental Accession (PSLA)
Yiziphi iziqinisekiso eziphoqelekile okufanele sizithathe ukuze siboleke imali ukuze singene kumphakathi we-25 €? Inzalo yesibambiso yezinga lokuqala (imali ebolekiwe noma isikweletu) yi saziso kusukela inani Imalimboleko ye'Ukungena Komphakathi inkulu kune-15 000 € ; ukubhaliswa kwe-mortgage kukhululiwe enteleni yokubhaliswa komhlaba. Imiholo ye-notary kwinkontileka ye loan zincishisiwe.
Ngabe umasipala uxhaswa kanjani ngezimali?
Izindlela zokupheka ze imiphakathi , ngokuqondene nabo, baphuma ikakhulukazi:
- izintela zendawo: eziqondile (intela yendlu, intela yendawo) noma engaqondile (izintela zokudlulisa i-DMTO, intela yokuthuthwa kukadoti wasendlini, njll.)...
- izibonelelo zikahulumeni kanye noxhaso oluvela kuhulumeni nakwezinye izinhlaka zikahulumeni;
Iziphathimandla zendawo zixhaswa kanjani ngezimali? Izinsiza zezimali ze imiphakathi yasendaweni
Les izimali we imiphakathi yasendaweni bathembele kakhulu enteleni yendawo ukuze baqoqe imali yabo engenayo, okuhlanganisa izintela zendawo nosizo lukahulumeni (izibonelelo, ukukhululwa, izibonelelo, izimali zesinxephezelo, njll.).
Yiziphi izibonelelo zomasipala?
- Usizo nge ezivamile enkingeni
- I-Secured Securities Endowment (SDR)
- I-City Policy Endowment (DPV)
- Ukuhlinzekwa kwemishini yezindawo zasemakhaya (DETR)
- Isabelo esikhethekile sothisha (DSI)
- Isipho esisha ngoba ukuvikelwa kwezinhlobonhlobo zezinto eziphilayo: uhlu lwe ezivamile abafanelekile ngoba 2021.
Ubani othenga okokuqala?
Obolekayo kuyinto kubhekwe primo-ukufinyelela ngamabhange kusukela ngaleso sikhathi kuqhubeke quakanayo indawo yakhe yokuhlala eyinhloko iminyaka engu-2 edlule. A primo-ukufinyelela ngakho-ke kungaba: Umnikazi wendawo yokuhlala yesibili. Umqashi wendawo yakhe yokuhlala enkulu okungenani iminyaka emi-2.
Yini i-TAEA? Incazelo ye I-TAEA
Kusukela ngomhlaka-1 Januwari 2015, ngaphansi kwezinhlinzeko zomthetho we-Hamon, izinga elisebenzayo lonyaka lomshwalense (I-TAEA) kuyinto enye yezinto okufanele zishiwo ezikhangisweni nasezindlini zezindlu noma zemalimboleko yomthengi ngokuhambisana ne-athikili L311-4-1 yeKhodi Yabathengi.
Ingabe ibhange lingabuyela ekunikezeni imalimboleko? Cha, uma wamukelasipho ngaphambi kwesikhathi phakathi kweminqamulajuqu esemthethweni (izinsuku eziyi-10 ubuncane, izinsuku ezingama-30 ubuningi), i ibhange ne unga pas ukubuya ngokwawo sipho.
Kuyini ukubambezeleka phakathi kwesivumelwano semalimboleko kanye nesipho semali mboleko?
Isikhathi esingakanani phakathi kwesivumelwano semalimboleko kanye nesipho semali mboleko ? Lokhu isaziso kuyehluka ngokwezikhungo zamabhange. Ngokwesilinganiso kuthatha izinsuku ezingama-45, ukwazi ukuthi amanye amabhange angakuthumela i-sipho kungakapheli izinsuku eziyi-15 uthole ifayili lakho.
Ucabanga ukuthi yisiphi isikhathi esincane sokuqinisekisa somnikelo we-mortgage? Isikhathi sokuqinisekisa ofsipho
Ibhange kumele ligcine imibandela yalo isipho semalimboleko ngesikhathi a ubuncane besikhathi wezinsuku zekhalenda ezingama-30: Iqondana nazo zonke izinsuku zekhalenda zonyaka wekhalenda, kusukela ngo-January 1 kuya ku-December 31, kuhlanganisa namaholide noma izinsuku okungezona ezokusebenza, kusukela ngesikhathi vous yemukele.
Yiziphi izinhlobo ezahlukene zemalimboleko?
Les izinhlobo zemali mboleko ingcebo yasebhange
- Le loan ephansi. i loan i-depreciable ivame kakhulu eFrance. …
- Le loan Kuhle. …
- Le loan edluliselwe. ...
- Le loan ukungena komphakathi / Ilungile CHA. …
- Le loan unenkontileka / Ilungile I-PC. …
- Le loan ngenani elinguziro plus / PTZ. …
- Le loan ukonga kwezindlu (PEL) …
- Le loan isenzo sezindlu.
Yiziphi izinhlobo ezahlukene zamakhredithi? Les izinhlobo ezahlukene noma amagama we credit
- Le credit okwehliswayo. ...
- Le credit ngezinga eliguquguqukayo. ...
- Le credit modular. ...
- Le credit ngokukhokhelwa kwemali enkulu njalo. ...
- Le credit ngesilinganiso esimisiwe nokukhula okuqhubekayo. ...
- Le credit kahle. ...
- Le credit edluliselwe. ...
- Le credit ngesibambiso.
Yiziphi izinhlobo ezahlukene zemalimboleko?
Kungenzeka ukuhlukanisa ezimbili izinhlobo zokuboleka :
- Un ukubolekwa engahlukanisiwe ngu a ukubolekwa eyenziwe nombolekisi oyedwa (imvamisa eyisikhungo sezezimali). …
- Un ukubolekwa isibopho a ukubolekwa okuvela ekukhishweni kwamabhondi okuthi kukhona isatshalaliswa kubabolekisi abaningi.
Uyidlulisela kanjani i-PEL? Ukuze umnikazi wepulani yokonga ikhaya akwazi isivuno amalungelo akhe, ohlomulayo kumele kube nguyena ophethe a sizo vula okungenani iminyaka emithathu. Laba bakamuva bangakwazi ukuthola amalungelo koyedwa noma ngaphezulu sizo.
Ungakhohlwa ukwabelana ngesihloko 🔥