Kuba secured-mboleko a umthengi kufuneka anike collateral
Ukuthenga indlu ufumana i-expensive endeavor Kancinci uncedo-mali yi wamkelekile udibaniso Kwixesha elidlulileyo, isikorean iibhanki zithe reluctant malunga nokunika iimali-mboleko expats ngenxa uncertainty njengoko na okanye hayi langaphandle borrower iya kuhlawula emva ityala ngaphakathi onikiweyo sexeshaKanjalo, iibhanki ibango ukuba harder ukukhangela kwaye uqinisekise credit imbali kwaye credit kwimilinganiselo ye-expats. Nangona kunjalo, kwiminyaka yakutsha nje babekhona ezininzi utshintsho bank imigaqo-nkqubo. Korea Exchange Bank yamiselwa i-unsecured-mboleko scheme ezibandakanya foreigners kowama. Ngoku, Korea Izindlu Bank, isebe Kookmin Bank kwaye omnye ethandwa kakhulu zokuhlala mortgage lenders kwi-south Korea ngala alandelayo isuti. Ukususela uninzi le ngcaciso kwi isikorean, kubalulekile hardly surprising ukuba abaninzi expats andazi babe bafanelekile ukuba kuba ikhaya-mboleko. Uninzi foreigners abahlala e-south Korea, kuba akukho unye okokuba baya kuba khetho ukuba bathabathe ngaphandle i-mortgage-mboleko ukuba baye bahlangana iimfuno. Kule ngeposi, ndiya thetha ne-jikelele umgaqo-nkqubo kwaye nkqubo ukuze ulungele kuba ikhaya-mboleko njengoko a foreigner. Kodwa phambi kokuba sibe delve ngakumbi kuloo, makhe bathethe malunga iintlobo ezininzi ezonakeleyo yemali-mboleko yakho yakwa ezikhoyo. Njengoko igama icebisa, secured yemali-mboleko yakho yakwa banikwa ngokuchasene yokhuseleko.
Imali idiphozithi, bonds okanye real estate zingasetyenziswa njengoko collateral.
Ukuba akunazo omnye abo imisebenzi, musa worry
Iimeko kwi secured yemali-mboleko yakho yakwa akunjalo, njengoko engqongqo njengoko kwi unsecured iimali-mboleko. Nangona kunjalo, isicelo sinokwenziwa kwehla ukuba collateral ngu limited yi-isemthethweni evuzayo okanye ukuba umthengi ithathe ngaphandle kakhulu iimali-mboleko ezininzi ngexesha ezinye mali amaziko. I-home-secured-mboleko kuthatha ixesha elide kunokuba idiphozithi-secured omnye. Korea Exchange Bank ibonelela iimali-mboleko ukuba abathengi kuquka foreigners, elungileyo emi-mali, efuna akukho collateral. Imali-mboleko iyafumaneka ukuze expatriates abathe ukuhlala kwi-south Korea iinyanga ezintandathu okanye ixesha elide kwaye abo kuhlangana KEB ke imigangatho kuba imisebenzi, indawo, yonyaka ingeniso kwaye credit umyinge. Kukho iindlela ezimbini uyakwazi bafanele kuba i-unsecured-mboleko. Wokuqala imida yakho umsebenzi.
Ikuvumile nemisebenzi ebaluleke kakhulu ngala diplomats, expatriates ithunyelwe kwi-south Korea ngo langaphandle iinkampani, amalungu corporate abatyali-mali, abo besebenza urhwebo ezemali, professors, researchers kwaye iingcali ezifana abaqondisi-mthetho kwaye doctors.
Elide abahlali kuquka abo watshata ukuba Koreans kwaye osisigxina abahlali unako kanjalo bafanele.
Ngokunxulumene yesibini nkqubo kufuneka ube wahlala Korea kuba konyaka omnye okanye ngaphezulu kwaye kufuneka"okulungileyo abathengi"e-KEB nge"prime ibakala".
Abathengi unako lula earn prime ibakala kwiintsuku ezintandathu omnye unyaka ukuba baya kuba imivuzo imali ingxelo e-KEB kwaye sebenzisa KEB u-Internet banking kwaye khangela ikhadi yithi rhoqo. Ukuba ungummi wangaphandle ukuboleka kunye securities kuquka savings kwaye real estate, onjalo iimeko isicelo njengoko abo kuba Koreans. Kuba watshata ngamazwe ezimbalwa (isikorean kwaye foreigner) jeonse-mboleko inokwenziwa i-ngokulula. Imali-mboleko, kufuneka kuthatyathwa phantsi isikorean womlingane igama ngexesha langaphandle womlingane ingeniso ngu counted ukuya kukhuthaza isixa-mali-mboleko. I-ezimbalwa sele ukuba kuvavanya ukuba babo umtshato ngu esemthethweni ihamba kunye namanye amaxwebhu ayimfuneko. Kwi-bank kuza kufuneka anike inani ezisemthethweni amaxwebhu kwaye ubungqina. Jikelele amaxwebhu ezifunekayo ngala: ncam iimfuno unako vary ngokwelizwi lakho bank ngoko ke zibuze kwangaphambili oko kuza kufuneka azise. Kwakhona qaphela ukuba imida neemeko kwi-mboleko yakho (ezifana ubukhulu isixa uyakwazi ukuboleka, inzala amazinga, imali xesha, njl. njl.) kuya kubonelelwa yi-bank Umthengi kufuneka utyelele okanye umnxeba i-sebe kwaye yathetha kunye ibhanki abasebenzi.
Ngeli kwethuba, bank uqwalasela abolekisa iimeko ezifana imali-mboleko, inzala kwaye ityala elithi ngokusekelwe yomthengi inkcazelo yobuqu, kuquka umsebenzi isimo, yonyaka ingeniso kwaye collateral, ukuba zikhona.
I-sebe iqinisekisa yomthengi credit kwaye ichaza ukuba isicelo imvume evela kwiofisi eyintloko yayo. Umthengi ngu afune ukwaziswa ngayo ka-iziphumo ungaphelanga ukuya kwiintsuku ezintathu. Ukuba isebe lugqiba ukuba isicelo semali-mboleko emva lokuqala counseling, investigates yomthengi ulwazi ngakumbi thoroughly, efuna ubungqina yonyaka ingeniso, isiqinisekiso yengqesho kunye namanye amaxwebhu, kwaye usebenza kuba ukuvunywa intloko-ofisi. Imali-mboleko igosa ke deliberates kwi-mboleko ngokusekelwe sebe u-sicelo kwaye umthengi ke amaxwebhu kwaye ichaza ukuba approve oko kwenzeka njani ukuba imiselwe abolekisa iimeko. Ukuba imali-mboleko igosa lilo eliya kuphumeza imali-mboleko, umthengi izichazi-mboleko sivumelwano kunye bank. Emva kokugqiba amaxwebhu, imali-mboleko ngu deposited kwi-akhawunti yomthengi ngokusebenzisa imali-mboleko embindini. Nayiphi imirhumo okanye inkcitho ingaba deducted ukusuka isixa-mali. Imali-mboleko isicelo nemigaqo-nkqubo kuchaziwe ngasentla ngokuqhelekileyo kuthatha malunga ngeveki. Njengoko abantu behlabathi ka-foreigners iyakhula kwi-south Korea, iibhanki ingaba ukutshintsha zabo imigaqo-nkqubo kwaye yazisa ngakumbi iimveliso ukuba cater ukuba iimfuno zabo. Abolekisa nemigaqo-nkqubo babe differ yi-bank, kodwa yayo yonke inkqubo lufana kuyo yonke indawo.
