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 uthole inani olifanelekelayo. Amabhange amaningi anikeza isibali se-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 yendlu emabhange nakwezinye izikhungo zezimali ezahlukahlukene. Zidinga ukuhlolwa kwesilinganiso sesikweletu kanye nesipho sokuthenga esamukelwe futhi esasayinwe.

I-Housing and Construction Authority (HMS) ikhipha imali mboleko yokuthenga impahla kanye nezindlu.

I-HMS:

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

Amabhange ase-Iceland akhipha imali mboleko yokuthenga impahla kanye nezindlu. Thola okwengeziwe ngemibandela kumawebhusayithi amabhange noma ngokuxhumana nommeleli wesevisi kwelinye lamagatsha abo.

Ibhange lase-Arion

I-Íslandsbanki

I-Landsbankinn

Amabhange okonga imali (ase-Iceland kuphela)

Izinketho zemali mboleko yendlu ziqhathaniswa (e-Icelandic kuphela)

Ungafaka isicelo semali mboleko yendlu ngezinye izikhwama zempesheni. Ulwazi olwengeziwe lutholakala kumawebhusayithi azo.

Uma uthenga ikhaya lakho lokuqala e-Iceland, unenketho yokufinyelela imali eyengeziwe yokonga impesheni bese uyibeka enkokhelweni yokuqala noma enkokhelweni yanyanga zonke, ngaphandle kwentela. Funda kabanzi lapha .

Imali mboleko yezabelo iyisisombululo esisha kulabo abanemali engenayo ephansi noma abanezimpahla ezilinganiselwe. Funda ngemali mboleko yezabelo .

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)

I-Visir.is usesho lwezindlu ezithengiswayo

Kuyenzeka uthole usizo lwezomthetho lwamahhala. Funda kabanzi ngalokho lapha .