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Gida » Tambaya mai karatu » Tambayar Tailandia: Lamuni tare da garanti zai yiwu?
Tambayar Tailandia: Lamuni tare da garanti zai yiwu?
Yan uwa masu karatu,
Matar Thai ba ta da kudin shiga. Tana son rance don siyan gida. Shin za ta iya samun lamuni daga bankin Thai tare da garantin kuɗi daga mijinta ɗan Belgium? Ma'auratan suna da rajista kuma suna zaune a Thailand kuma an ajiye kuɗin shiga cikin bankin Thai.
Gaisuwa,
Leopold
Editoci: Shin kuna da tambaya ga masu karatun Thailandblog? Yi amfani da shi hanyar sadarwa.
Dear Leopold.
Ba na tsammanin saboda ba a yi muku rajista bisa doka ba a Tailandia, zaku iya tserewa sannan kuma wanene zai biya bashin,
kawai ka tambayi banki a can, to ka sani tabbas, ba zan yi ba kuma kawai in yi hayan wani abu, to ba za ka yi asarar kuɗi ba kuma ba za ka yi haɗari ba, kuma gidan ba zai zama naka ba.
da yawa sun yi kuskure da wannan kuma sun rasa komai.
salam Jan
Idan kuna zaune a Thailand na ɗan lokaci, zaku iya amfani da ajiya don wannan.
Mafi kyawun dama ga matarka shine Bankin Gidajen Gwamnati, sauran zasu nemi kudin shiga na Thai.
Duk waɗannan aikace-aikacen suna bi ta Head Offices, don haka bankunan gida ba su da ta cewa a cikin wannan.
Tabbas, a bankin GH kowane Thai na iya samun lamuni har zuwa Baht 1.000.000.
A LURA: Idan ba a biya kuɗin kuɗi na tsawon watanni 3 a jere ba, bankin zai nemi gidan kuma duk kuɗin da aka biya zai kasance na Bankin Gidaje na Gouvernment.
Ya ku Leopold,
Matar ba ta da kudin shiga, amma tana son siyan gida a kan jinginar gida. Tare da garanti daga mijinta dan kasar Belgium. Shin ya gane cewa a ƙarshe zai biya biyan kuɗi da riba? Domin bata da kudin shiga. Wannan ya same ni a matsayin wani lamari na bala'i mai zuwa.
Me yasa baya siyan gida da sunan kansa? Maimakon ya ba da kuɗinsa? Shin ya fahimci cewa dangantakar za ta iya yin tsami a nan gaba kuma zai yi kasadar a kore shi daga gidan, wanda a zahiri ya biya kansa? Ba zai zama na farko ba.
Ba ina cewa zai faru ba, amma dama tabbas ba ta hatsiya ba ce, akasin haka. Idan zan iya ba ku shawara. Yi magana da abokin naka game da wannan kuma gaya masa haɗarin wannan kamfani.
Domin macen da ba ta da kudin shiga wacce take son siyan gida a jinginar gida, wanda mijinta zai iya biya???
Fr., gr.,
SiamTon
A ka'ida, baƙo ba zai iya siyan gida ba kuma ba shakka kyauta ce idan ka sayi gida da sunan wani, Leopold zai fahimci hakan ma.
Dangane da tambayar Leopold, akwai zaɓuɓɓuka idan don amfanin kanku ne tare da bankuna, amma sai kun ƙare tare da kwaroron roba waɗanda kawai za ku iya saya. Ana iya samun wasu masu ba da lamuni a wajen banki.
Ka tuna cewa yawan kuɗin ruwa (aƙalla a bankunan Thai) suna da yawa, haya yawanci mafi kyawun yarjejeniya, amma ba koyaushe yana yiwuwa ba idan kuna son zama a wani wuri a waje da birni. Idan kana da (wani sashi) da aka biya gida a Belgium, ƙila za ku iya karɓar ƙarin kuɗi daga bankin ku / mai ba da jinginar gida a Belgium.
Charles, farang na iya siyan gida a Thailand, amma (gaba ɗaya) ba ƙasan ƙasa ba.
Ana iya amfani da wannan farfajiya ta musamman akan hayan hayar, haƙƙin manyan abubuwan da suka dace da/ko haƙƙin riba. Waɗannan haƙƙoƙin an ɗora su ne a cikin doka kuma kamar yadda na rubuta jiya, tuntuɓi lauya mai ƙwarewa kafin ku shiga ciki.
A wannan yanayin, "kwangilar Usefruckt" na iya zama mafita.
Leopold, al'ada ce don karɓar kuɗi daga banki lokacin da kuka sayi dukiya. Wannan ake kira jinginar gida. Idan ba ku da kudin shiga, bankin zai saita ƙarin buƙatu kamar ajiyar kuɗi wanda ke da kuɗi ko babban kuɗin shiga. Wannan shi ne babban rabo a cikin wannan harka….
Zan bi shawarar A. Siam Ton; jira a saya a kan sunanta. Ku fara haya ku saya daga baya amma da sunan farang din. Doka tana ba da zaɓuɓɓuka kamar hayar baya, haƙƙin mallaka da haƙƙin riba. Tuntuɓi lauya a Tailandia don wannan, saboda duk hanyoyin suna da nasu shiga da fita.