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بالفيديو: خبير مالي يكشف عن 4 حالات يكون فيها القرض العقاري قرارًا خاطئًا

بالفيديو: خبير مالي يكشف عن 4 حالات يكون فيها القرض العقاري قرارًا خاطئًا

صحيفة المرصد: أوضح الخبير المالي نبيل المبارك متى يمكن أن يكون أخذ القرض العقاري قرارًا خاطئًا.

وقال "المبارك" خلال ظهوره في بودكاست "سقراط" إذا كنت في مرحلة الشباب ولم تستقر مهنيًا أو عائليًا، ولم تكن متأكدًا من مستقبلك المهني، فعليك تجنب الاقتراض العقاري.

وأشار "المبارك" إلى أن اتخاذ القرار للقرض في الرياض يتطلب تفكيرًا عميقًا، قائلا " فكّر 100 مرة بالقرار"، في حين كان الشخص يعيش في المدن الطرفية يمكنه اتخاذ القرار بسهولة، حيث تكون تكلفة المنازل أقل بكثير، حوالي 10% من تكلفة المنازل في الرياض، فيمكنك التفكير في أخذ قرض.

وتابع "المبارك": لكن إذا كنت في الرياض، يجب أن تفكر جيدًا: هل ستبقى هناك طيلة حياتك، أم أنك ستعود إلى مكانك الأصلي إذا كنت من الجنوب مثلا.

وأضاف "المبارك" أنه من الضروري معرفة المزيد عن الرهن العقاري وقراءة الاستراتيجيات المتعلقة به بعناية. 

كما حذر "المبارك". من أن القرض العقاري يجب أن لا يتجاوز 45% من راتبك، لأن تجاوز هذه النسبة يعتبر غير صحي ماليًا.


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          Date ↕MethodURLData
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