Ukuthenga Impahla

Inqubo yokuthenga indawo inezinyathelo ezine eziyinhloko:

• Ukuhlolwa kwesikolodo
• Thenga okunikezwayo
• Ukufaka isicelo semali mboleko
• Inqubo yokuthenga

Ngaphambi kokuthi ibhange noma isikhungo esiboleka imali sikhiphe imali ebolekiwe, kuzodingeka ukuthi uhlole amaphuzu esikweletu ukuze unqume inani olifanelekelayo. Amabhange amaningi ahlinzeka ngezibalo ze-mortgage kumawebhusayithi awo ukuze akunikeze umbono wemali mboleko ongase ufanelekele ukuyithola ngaphambi kokucela ukuhlolwa okusemthethweni kwesikolodo.

Kungase kudingeke ukuthi ulethe ama-payslip adlule, umbiko wakho wentela wakamuva futhi uzodinga ukukhombisa ukuthi unayo imali yokukhokha kancane. Uzodinga futhi ukubika nganoma yiziphi ezinye izibopho zezimali ongase ube nazo futhi ubonise ikhono lakho lokuzibophezela ekubolelweni kwempahla.

E-Iceland, abantu bavunyelwe ngokusemthethweni ukuthi baphathe inqubo yokunikela nokuthenga bebodwa. Nokho, kunezinto eziningi okufanele zicatshangelwe, kuhlanganise nezindaba zomthetho mayelana nemibandela yokuthenga nemali eningi. Abantu abaningi bakhetha ukuba nochwepheshe ongamela inqubo. Abathengisi bezindlu eziqinisekisiwe kuphela nabameli abangasebenza njengabalamuleli ekwenziweni kwezindlu nemizi. Izindleko zamasevisi anjalo ziyehluka.

Ngaphambi kokwenza umnikelo wokuthenga, qonda ukuthi kuyisivumelwano esibophezela ngokusemthethweni. Qiniseka ukuthi ufunda mayelana nesimo sendawo kanye nenani langempela lesakhiwo. Umdayisi unesibopho sokuhlinzeka ngolwazi oluningiliziwe ngesimo sesakhiwo futhi aqinisekise ukuthi izinto ezithengiswayo nezethulo ezinikeziwe zihambisana nesimo sangempela sesakhiwo.

Uhlu lwama-ejenti wezindlu eziqinisekisiwe kuwebhusayithi kaKhomishana Wesifunda.

Ungafaka isicelo semali mboleko emabhange nakwezinye izikhungo zezezimali. Badinga ukuhlolwa kwesikolodo kanye nesipho sokuthenga esamukelwe nesisayindiwe.

I-Housing and Construction Authority (HMS) ikhipha imali ebolekiwe ukuze kuthengwe indawo nezakhiwo.

I-HMS:

Borgartún 21
105 Reykjavík
Ucingo: (+354) 440 6400
I-imeyili: hms@hms.is

Amabhange ase-Icelandic akhipha imali mboleko yokuthenga indawo nezakhiwo. Thola ulwazi oluthe xaxa mayelana nezimo kumawebhusayithi amabhange noma ngokuthinta omele isevisi kwelinye lamagatsha awo.

Arion bank

Íslandsbanki

I-Landsbankinn

Amabhange okonga (isi-Icelandic kuphela)

Izinketho ze-mortgage ziqhathaniswa (isi-Icelandic kuphela)

Ungakwazi futhi ukufaka isicelo se-mortgage ngokusebenzisa izikhwama zempesheni. Ulwazi olwengeziwe kumawebhusayithi abo.

Uma uthenga ikhaya lakho lokuqala e-Iceland, unenketho yokufinyelela ukonga okwengeziwe kwempesheni futhi ukubeke enkokhelweni ephansi noma ezinkokhelweni zanyanga zonke, ngaphandle kwentela. Funda kabanzi lapha .

Imali mboleko ye-Equity iyisixazululo esisha salabo abanemali engenayo ephansi noma elinganiselwe. Funda mayelana nokubolekwa kwemali .

Ama-ejensi wezindlu ezithengiswayo akhangisa kuwo wonke amaphephandaba amakhulu futhi kunamawebhusayithi amaningi lapho ungasesha khona izakhiwo ezithengiswayo. Izikhangiso ngokuvamile ziqukethe ulwazi olubalulekile mayelana nesakhiwo ngokwaso kanye nenani lesakhiwo. Ungahlala uthintana nama-ejensi wezindlu ezithengiswayo ukuze uthole imininingwane eyengeziwe mayelana nesimo sesakhiwo.

Ukusesha izindlu nge-DV

Ukusesha izindlu nge-MBL.is (ukusesha kungenzeka ngesiNgisi, isiPolishi nesi-Icelandic)

Ukusesha kwe-Visir.is real estate

I-Lögmannavaktin (nge-Icelandic Bar Association) iyisevisi yezomthetho yamahhala emphakathini jikelele. Inkonzo inikezwa zonke izinsuku zangoLwesibili ntambama kusukela ngoSepthemba kuya kuJuni. Kuyadingeka ukubhukha inhlolokhono ngaphambi kwesandla ngokushayela ku-568-5620. Ulwazi olwengeziwe lapha (kuphela ngesi-Icelandic).

Abafundi Bezomthetho eNyuvesi yase-Iceland banikeza ukwelulekwa kwezomthetho kwamahhala emphakathini jikelele. Ungashayela ku-551-1012 ngoLwesine kusihlwa phakathi kuka-19:30 no-22:00. Bheka ikhasi labo le-Facebook ukuze uthole ulwazi olwengeziwe.

Abafundi bezomthetho eNyuvesi yaseReykjavík banikeza abantu ukwelulekwa kwezomthetho, mahhala. Badingida imikhakha ehlukahlukene yomthetho, okuhlanganisa izindaba zentela, amalungelo emakethe yezemisebenzi, amalungelo ezakhamuzi ezakhiweni ezihlala emafulethini kanye nezindaba ezingokomthetho eziphathelene nomshado namafa.

Inkonzo yezomthetho itholakala emnyango omkhulu we-RU (iLanga). Bangaphinde bafinyelelwe ngocingo ku-777-8409 noma nge-imeyili ku-logfrodur@ru.is . Inkonzo ivulwa ngoLwezithathu kusukela ngo-17:00 kuya ku-20:00 kusukela ngo-September 1 kuze kube sekuqaleni kukaMeyi, ngaphandle kwangezikhathi zokuhlolwa kokugcina ngoDisemba.

I -Icelandic Human Rights Centre nayo inikeze usizo kubantu bokufika uma kuziwa ezindabeni zomthetho.