Bank "Ukuvuselelwa": mortgage (iimeko)

Financial Umbutho "Ukuvuselelwa" kukuba ezibhankini Russian TOP-50 ngokwemiqathango kukuthembeka kunye ukuthandwa. Kuba endaweni yama-37. Ukuza kuthi ga ngoku, i-asethi zizonke lombutho kancinci ngaphantsi kwe 243 billion engange. It has a yebhanki inkonzo eyahlukileyo ngokupheleleyo "Imvuselelo". Mortgage - enye okufunwa kakhulu.

kwiphepha leMimiselo Jikelele nemiqathango

Imali mboleko iphezulu yi-30 ezigidi engange. Down intlawulo - ubuncinane ama-20% yeendleko zizonke yentengo ezicwangcisiweyo. Ubude - ukususela kwiminyaka-5 ukuya kwi-30. rate yonyaka iqala kwi 11,85%. Imali imbuyiselo zenyanga iintlawulo zomnyaka. Inkululo ekuqaleni - kodwa kwiinyanga ezintathu emva kokuba ubhaliso (akukho myalelo) kuphela.

Ngokuqhelekileyo, ukuze zinike olu hlobo mboleko sele sivunyiwe, kufuneka uthumele amaxwebhu. Le ngeprofayili olunokubakho mboleki, kunye Russian ubumi yokundwendwela (+ iikopi zawo onke amaphepha igqityiwe), ID zomkhosi ngenxa yamadoda (abangaphantsi kwiminyaka engama-27), eqinisekisiweyo ngumqeshi ikopi yale ncwadi yomsebenzi, kwakunye reference 2-emhadini.

Kakade ke, kufuneka amaxwebhu asemthethweni wepropati ezifunyenweyo. Plus, imfuno yokundwendwela zobugcisa yenjongosenzi, sisicatshulwa esithathwe USRRE (libonisa kukungabikho encumbrances) kunye nekopi lomthengisi yokundwendwela. Ingxelo kukuqwalaselwa ingcali ezimeleyo ifakiwe nayo kuluhlu kwamaxwebhu afunekayo ukuze ntetho.

Nokuthathelwa indawo ne "Group PSN"

Le - imveliso mboleko yokuqala esifundisa ibhanki "Imvuselelo". Mortgage, nokuba mhlawumbi, iquka kokugqitywa isivumelwano sokuthenga / intengiso. Kwaye, ukuba kuyimfuneko ukwenza, kutheni Mabangabuyeli ke ukuba umthengisi enokuthenjwa?

Ekunika Bank, kule nkalo, i- credit ekujoliswe ngenxa yokuthenga izindlu kulo ndawo, ukwakhiwa leyo ukwenza "SPE Group" - umphuhlisi inkulu, sele zisebenza kangangeminyaka ixesha elide, kwaye usoloko uya kuxelela iiprojekthi zabo ekupheleni. Naye nokubambisana yebhanki "Imvuselelo".

Mortgage ibonakala ukulivuma. Umntu uvumelekile ukuba akhuphe yakhe sozaomschikami eyongezelelweyo ezimbini. Isantya Isiseko iqala kwi-13% ngonyaka, kuthathelwa ingqalelo ukuphunyezwa impahla kunye inshorensi zobuqu. intlawulo Down - kwi-0% ukuya 85%. Siqwalasela isicelo kwithuba leentsuku-2 ukuya kwi-15 ukususela kumhla yokufayilisha.

Ukubala sentengo

Xa sijonga amanani, ufumana ukuqonda kwisekethe kakhulu ngokukhawuleza. Ngoko izinto onokuzifumana ibhange "Imvuselelo"? Mortgage, leyo okhankanywe ngentla, uyakuthanda ithandwa enkulu. Ukongeza, le nkonzo ngenkuthalo babhengeze. Yintoni ukwenzeka ngokubonakalayo?

Masithi umntu wathabatha indawo yokuhlala kwigumbi ye-3 000 000 laza lagqiba kwelokuba isixa kwisithuba seminyaka emi-5. Zonke ke kuza kufuneka ahlawule 4.088.764 p. Iipesenti mali 1088764 p.

Ngenyanga yokuqala, wayeza kuhlawula 32.500 engange. Kamva isixa-mali sentlawulo ngenyanga kwi-69 935 p / ngenyanga. sum enkulu, kodwa ukuba uthatha ithagethi mboleko hlobo kwaye kuphela ngeli thuba, yeyona ndlela ilungileyo.

Ngenxa yokuba le mortgage mnye, kunye mali efanayo, kodwa iminyaka eli-10, iya kuxabisa imali eninzi kakhulu. Ngaphandle kwento yokuba intlawulo yenyanga iza kuba 45 165 engange. Kodwa ekugqibeleni abantu ahlawule 5362058 p. Eziza 2.361.058 njenge ekhulwini. Kubalulekile ukukhumbula ukuba mboleko lithathwa 3 000 000. Isixa umdla ayikho ngaphantsi kakhulu ngaphezu koko kuthathwa ngetyala.

Kodwa, ngasendleleni, ibhanki "Ukuvuselelwa" into Ukugunda kakhulu intanethi wokubala, apho unako ukubala zonke. Kukho umhlathi eyahlukileyo, apho yonke into ipeyintiweyo kwiminyaka - inzala kuhlawulwa, ityala yaye isixa-mali esinikezelwe wonke unyaka.

"Flat-New"

Eli ligama elinye imveliso yeentengo zemboleko enika ibhanki "Imvuselelo". amagama Mortgage zezi zilandelayo: million 10 engange nje ubuninzi, izinga luqala ngo-12,95%, kunye nexesha - ukususela kunyaka-1 ukuya kwiminyaka engama-30. Client uyakwazi amalungiselelo ityala ekujoliswe yokuthenga izindlu kwindlu endlini inani lezinto nakhelwe C. "Pik".

Kwakhona ukuba ukutsala sozaomschikov ezimbini. intlawulo Down - kwi-0% ukuya kuma-20%. Insurance kunyanzelekile, kunye noyilo kunye ezilandelayo ukwandiswa lwalo yentlawulo. Kulo nyaka wokuqala wokubolekisa ngemali kuya kuthetha kwi-1% ye-mali-mboleko. Kodwa ubuninzi - 100 000 engange. Kuba wesibini yonke iminyaka elandelayo yesixa-inshorensi kwi-0.7% etyala-mboleko eseleyo.

Ukunikezwa

Ngoku abantu abaninzi abantu bathenga zokuhlala phakathi izakhiwo nakhelwe. Kwaye ngokwenene isisombululo kakhulu iindleko-olusebenzayo, ngokuba izindlu kwizakhiwo zakhiwe limi kwi-20-30% zitshiphu ngaphezu sele zigqityiwe kwaye sinikezelwe phezu izinto. Enyanisweni, lo ubolekayo libandakanyeka kulwakhiwo ngokuhlangeneyo. Inikeza Bank "Vozrozhdeniye".

Mortgage ufumana ukubuyekezwa elungileyo. Bonke ababhekisi phambili bahlangana kunye nombutho mali, ixesha-kuvavanywa. Eli qela "Inteko" iinkampani C. "Aeroplane Development" C. "Morton" kunye C. "Etalon-Invest" LCD "New Zelenograd" LCD "abadumileyo-Kupelinka" kunye C. "MR Group".

Isantya iqala kwi-13%, lo mali iphezulu akhoyo mboleko - 30 million engange. A Intlawulo yokuqala - kwi-0% ukuya 85%. Okubangel 'umdla kukuba, ngokwemiqathango kweentlawulo inzala kunye netyala - lelona zinga efanayo naleyo echazwe ekuqaleni. Kodwa ke kule meko ngenxa nezigidi ezithathu unako ukuthenga indawo elungileyo, ekubeni le ndlu iya kwakhela-20-30% ngaphezulu. Ngoko ke umntu izinga yokuqala kwakuza kufuneka athathe 20-30% mboleko voluminous ngakumbi.

Trust mboleko yokuxhaswa

Le nkonzo kwakhona ezinikezwa yibhanki "Imvuselelo". Nokuthathelwa indawo imizi yesibini ebesoloko ethandwayo. Kwaye eli ziko mali igqibe ukudambisa iimeko ezinokuba abathengi. Akumangalisi kwinyanga edlulileyo, November 22, 2016, kwabhengezwa ukuba i "Ukuvuselelwa" uye wangena iibhanki ezintlanu ngaphezulu kunazo izinga lenzala malunga nezivumelwano zokubambisa ngenkxaso karhulumente.

Ngapha koko, abaxhasi zenziwa% nje 10.9 ngamnye ngonyaka. Njengoko yonke, ubuncinane-13%, akamangaliswa zaphuma phambili loo mbutho. rates zokunciphisa - yinto inkuthazo eyongezelelweyo kubantu abaninzi abafuna ukufumana eyakho square metres zabo.

Kubalulekile Yintoni na ukuba azi?

Kukho izizathu ezimbalwa kutheni abantu ibe yibhanki "Renaissance" ukuwuvala. Mortgage on amaxwebhu amabini - oko kukuthi, yintoni uhlobo lwenkonzo unako ukufumana khona. Kodwa akukho ukucacisa iimeko apho - yonke into kuxoxwa ngamnye.

Kwakhona kule mbutho ingathatha out-mboleko yokuthenga izakhiwo ezingezizo zokuhlala. Ukuba umntu ugqiba ukuba ukuthenge iinkampani ukuba asebenzisane kunye elunxwemeni, ngoko umlinganiselo iya kuba 12.5% ngonyaka.

Kananjalo kubalulekile ukuba kukwazi ukuba umbutho ingathatha mboleko ekujoliswe ukuphucula iimeko zokuhlala. Kule nkonzo badla sinikele ingqalelo abantu eguqukele ibhange "Imvuselelo".

amaxwebhu Mortgage kuthetha ukuzisa ezininzi. Kokukhona baya kuba - ayanda amathuba okufumana i-mboleko. Osomashishini ngamnye, ukongeza zonke zikhankanywe ngaphambili, kufuneka isiqinisekiso sobhaliso karhulumente yeshishini (ikopi +), sisicatshulwa esithathwe EGRIP, ngokuba irhafu yengeniso yengxelo yerhafu, ingxelo yebhanki ingeniso kunye imicimbi engekenziwa kwi-akhawunti yangoku, njl

Enyanisweni, umba mortgage kumba kakhulu kwaye liqulathe ulwazi oluninzi yamatye "kwamanzi". Ngokuba, ukuba ufuna ukufumana imali-mboleko hlobo, kufuneka siqwalasele ngenyameko lonke ulwazi baziqhelanise bokuqonda ezahlukeneyo.