Izibhengezo
Qonda iimeko zangoku zeebhanki zokuxhasa ngemali izithuthi, kuthathelwa ingqalelo inkqubo entsha karhulumente. Yibone ngoku!
Ukusungulwa kutsha nje kwenkqubo yokunciphisa amaxabiso eemoto ezintsha kube nefuthe elihle kubathengi, kudala amathuba amatsha kwabo bafuna ukuthenga imoto entsha ngokupheleleyo.
Oku kubangele ukwanda okukhulu kwimfuno yekhredithi yokuxhasa ngemali ukuthengwa kweemoto, nto leyo ekhokelele kumaziko emali adumileyo ukuba acebise ngeemeko ezikhethekileyo ukuze ahlangabezane nemfuno ekhulayo.
Itaú, enye yeebhanki ezinkulu kweli lizwe, ibhalise ukwanda okumangalisayo ngama-25% kwizibhengezo ezenziwe kwiqonga iCarros, iprojekthi yebhanki ngokwayo. Oku kukhula kubonisa imfuno yabathengi yeenketho ezingcono zokuxhasa ngemali, ezinamazinga nemimiselo ehlangabezana neemfuno zabo.
ukwanda kwenkxaso-mali yeemoto ngenxa yenkqubo
Amaziko amaninzi emali ayakhuphisana ukubonelela ngezona meko zibalaseleyo zokuxhasa ngemali. IBanco do Brasil, iCaixa Econômica Federal, iItaú neSantander zezinye zeebhanki ezigqamayo, zibonelela ngexesha eliphezulu leenyanga ezingama-60 lokuhlawula iimoto ezintsha.
Nangona kunjalo, kubalulekile ukugxininisa ukuba imali encinci yokuqala inokuba nefuthe elikhulu kwiimeko zenkxaso-mali. Ngemali yokuqala eyi-R$ 10.000, umzekelo, kwimoto exabisa i-R$ 84.424, i-CET ibinokwehla iye kwi-1,66%, izavenge ziye kwi-R$ 1.448, kwaye ixabiso lilonke liye kwi-R$ 69.519.
Lo mahluko ugxininisa ukubaluleka kokucwangcisa nokugcina imali ethile yokuqala ngaphambi kokuxhasa ngemali ukuthengwa kwesithuthi.
Iibhanki eziphambili kunye neemfuno zenkxaso-mali
IBanco do Brasil ilungelelanise amaxabiso ayo enkxaso-mali, yawanciphisa nge-0,2 amanqaku epesenti emva kokubhengezwa kwamanyathelo karhulumente. Ukongeza, ibhanki ivumela ukuxhasa ngemali i-100% yexabiso lemoto, ngenjongo yokwenza kube lula ukuthengwa kwabathengi.
ISantander yenze isifaniso sezemali seMoney Times, yaveza ukuba ukuxhasa ngemali imoto ngaphandle kwentlawulo yokuqala kwisithuba seenyanga ezingama-48 kuya kuba neendleko ezisebenzayo zizonke (CET) ze-1,70% ngenyanga.
ICaixa Econômica Federal ibalasele kwimarike, ngamazinga enzala aqala kwi-1,49% ngenyanga ekuxhaseni ngemali iimoto ezintsha. Ibhanki ikwabonelela ngokukhetha ukuxhasa ngemali ukuya kuthi ga kwi-80% yexabiso lemoto, inika abathengi ubhetyebhetye kunye nokukwazi ukuziqhelanisa.
Imirhumo neemeko ezibonelelwa yi-Itaú ziyahluka ngokweprofayile yomthengi kunye nemoto eza kuxhaswa ngemali. Ibhanki ivumela ukuxhasa ngemali ukuya kuthi ga kuma-90% exabiso lemoto, ijolise ekwaneliseni iimfuno zomthengi ngamnye.
