Co-umboleki kwi mortgage - oku ... Obolekayo kunye nentsebenziswano obolekayo

Amaninzi, xa nezivumelwano zokubambisa, ekhutshwe ebhankini imali akwanelanga yokuthenga izindlu. Kwiimeko ezinjalo, i-ubolekayo uye wafuna uncedo evela co-nye umnikimali nomamkelimali. Malunga koko, ngubani na co-mboleki kwaye enokukunceda ngayo, eza kuxutyushwa kweli nqaku.

Ngubani na co-nye umnikimali nomamkelimali

Co-umboleki kwi mortgage - lo nguye umntu onoxanduva-mboleko ukuya umbolekisi kunye obolekayo ephambili. Ngamanye amazwi ke, kuya kufuneka ukuba uhlawule imali mboleko ukuba umboleki lokuqala uyasilela ukwenza njalo.

Ngokuqhelekileyo esebenzisa i abanaluncedo co-umboleki kwimeko ibhanki ingqalelo ingeniso ye client ukuze iintlawulo zokubambisa asanelanga. Kusenokubakho iinketho ezimbini: ukwamkela i izindlu ezibiza kancinci, okanye enye indlela - nezivumelwano zokubambisa for ezimbini.

Ngubani na ube co-nye umnikimali nomamkelimali

Kuxhomekeka iimeko kunye neemfuno ebhankini, ukuze abe mbalwa abantu ukuba ukuhlawula imali-mboleko, kodwa hayi ngaphezulu kwe ezine okanye ezintlanu. Co-umboleki kwi mortgage - oku kuphela iqabane kunye nezalamane, kodwa nawuphi na omnye umntu. Noko ke, iimeko ezahlukeneyo banokuba ebhankini nganye, ngoko ngaphambi kokuba bafumane ikhredithi, kufuneka ukhankanye onke bokuqonda.

Ngokutsho iqabane umthetho Russian kwi-mboleko sokubambisa ngokuzenzekelayo ithathwa njenge iqabane esemthethweni. Noko ke, ukuba amaqabane andithandi ukuba ngokuhlangeneyo noxanduva iintlawulo zokubambisa okanye ipropati yokuhlala ukuthenga sahlulo siya kuba ezahlukeneyo, ngoko kuyimfuneko ukuba ukugqiba isivumelwano umtshato.

Ukuba co-obolekayo umhlobo okanye umhlobo lo Mhlawuli engundoqo, ngoko ke kufuneka ke nazi nize nibone ukuba kube kanye lo mntu mnye onoxanduva sokweletwayo, xa kuthe yeemeko ebezingaziwa, kuya kufuneka ukuba uhlawule iintlawulo zokubambisa kunye nobunini ekhaya elizayo.

amaxwebhu afunekayo

A iseti yamaxwebhu ukuba mazingeniswe kumququzeleli we-mboleki kwi mortgage - lo amaxwebhu ngokufanayo mboleki engundoqo, ezizezi:

• Passport.
• Certificate of Pension Insurance.
• Uxwebhu ezingqina ubhaliso kwi indawo yokuhlala yokwenene.
• Isazisi bonke abo bahlala kunye naye (abantwana, iqabane, abazali).
• Umsebenzi-ncwadi.
• Ulwazi malunga yokuqinisekisa yengeniso.
• Uxwebhu phambi yemfundo.
• Namanye amaxwebhu olucelwe yibhanki.

co-obolekayo yengeniso

iibhanki ezahlukeneyo zengqondo ezahlukeneyo ukuze ingeniso co-nye umnikimali nomamkelimali. Abanye na kubaluleke kangaka ubukhulu yemivuzo yabo, kwaye abanye kuqwalaselwa candidacy ukuba intsebenziswano imveliso ye mortgage mboleko lula akukho ngaphezu mboleki engundoqo. Umzekelo, i co-umboleki kwi-mboleko kwi-Savings Bank kufuneka baqinisekise ukukwazi kwabo ukubhatala, kwaye ubukhulu yomvuzo wakhe - athobele ipesenti ofunekayo yeefizi ihlawulwe. Yiloo nto ezibekwe phantse iimfuno ngokufanayo umboleki.

Co-umboleki kwi-mortgage, amalungelo kunye neemfanelo

Umboleki kuyo nayiphi na imeko noxanduva kwakunye co-mboleki kwi-mboleko. ilungelo impahla unako elikhethiweyo isivumelwano sokubambisa liboleke abanye, oko kukuthi, ingaba mhlawumbi alinganayo, kwaye yahlulwe ezithile ngokwakho.

Isivumelwano sokubambisa kufuneka ukhankanye ubungakanani yamanyama uya kubuyekezwa iintlawulo mboleko. Umzekelo, intsebenziswano ubolekayo mortgage Sberbank unako ukuhlawula ityala mfani-nye umnikimali izabelo ngokulinganayo. Kwaye kukho omnye ukhetho co-umboleki kuya kubuyekeza iintlawulo kuphela kwimeko ukuba akanako ukwenza mboleki.

Xa kunjalo, uxanduva kunye nelungelo ukwabelana ngokulinganayo phakathi abanamatyala-mboleko. Ngoko ke, lonke unxulumano zemali phakathi umboleki kunye neqabane yemali kufuneka zibhalwe, ingakumbi ukuba ngaba nezihlobo.

Kwaye imbali credit i co-yomboleki

Iibhanki uyayiva kakhulu kwimbali umthengi yeentengo zemboleko, oko kukuthi, njengoko kwakunjalo kwixesha elidlulileyo, ukuba bayahlawulwa iintlawulo mboleko. Iminyaka elishumi elinesihlanu, iingxelo eligcina inkcazelo ngeentengo zemboleko yekhredithi zigcinwa bonke abemi Russian. Akukhathaliseki yeyiphi ibhanki kufuneka ekhutshelwe mboleko sangaphambili imali, okoko nje umlando credit iyancumisa. Oku kusebenza umboleki kunye nentsebenziswano obolekayo. Kwimeko yokuba omnye wabo imbali ye lokuhlawula imali -mboleko lelikhabayo, ngoko ke ibhanki angala ukukhupha nezivumelwano zokubambisa kuzo zombini.

Kukho nenye ngobuciko. Kwimeko apho umboleki, ngenxa yaso nasiphi na isizathu ziya kuba matyala kunye nentsebenziswano obolekayo abanako ukubuyekeza imali yemali ngokwabo, imbali ngetyala zombini ziya kuthi awunayo. Ngenxa yoko, efuna ukunceda, le ndoda iphethe onetyala inqununu ikwazi kweyela uluhlu zabaxumi zabekwa embi. Kwaye kungaba nefuthe elibi kwixesha elizayo lokukhupha-mboleko entsha, ukuba oyifunayo.

Co-obolekayo kunye iziqinisekiso

Abantu abaninzi bacinga ukuba co-mboleki kwi mortgage - lo wammela efanayo. Nangona kunjalo, xa nditshoyo, andithethi nto nje, ngokungathi kuba iimpawu ezifanayo.

Waba ngummeli wowona ulungileyo ke usisiqinisekiso wokubuyiswa kwemali ekhutshwe yi-nye obolekayo nobolekwayo, kodwa oko akuthethi ukuba ubunini izindlu mortgage ezifunyenwe okanye impahla. Kwakhona, xa nkqubo wobhaliso mboleko cash iziqinisekiso akakwazi ukwenza ibhanki isatifiketi ubungqina bengeniso.

Kwakhona, omnye umahluko phakathi co-mboleki kunye nesiqiniseko kukuba ingeniso waba ngummeli wowona ulungileyo akuxhomekekanga kuthathelwa ingqalelo xa kubalwa ubuninzi bobungakanani-mboleko kwaye kuchaphazela imali yengeniso yomboleki. Kodwa ke imali co-nye obolekayo nobolekwayo, ngokuchaseneyo, ababandakanyeka etyaleni, ukuba ubolekayo unalo kwinqanaba eliphezulu ngokwaneleyo umvuzo.

Njengoko kuqala buyiselo mboleko Umqinisekisi emazantsi, oko kukuthi, i-ubolekayo uhlawula ityala ekuqaleni, ngoko xa kuthe amatyala uqalisa ukuhlawula co-mboleki, waba ngummeli wowona ulungileyo kuphela ngoko, ukuba mboleki kunye nentsebenziswano obolekayo akakwazi ukubuyisela imali.

Bank of iimeko co-nye umnikimali nomamkelimali

Ekubeni mboleki kunye nentsebenziswano obolekayo kunye mortgage banamalungelo afanayo kunye nezibophelelo ebhankini, ngoko kwenza ukuba zineezidingo ezifanayo. Ngenxa yoko, liqabane kwi mortgage abe ngummi Russian Federation na ongaphantsi kwama elinesibhozo leminyaka ubudala, ngubani na iqondo nomini mfani-nye umnikimali eyintloko okanye hayi. Omnye yemiqathango ezingundoqo ibhanki isiqinisekiso ukubuya mboleko mboleko, kuba phambi kokuba ubude esiqhubekayo inkonzo ubuncinane kwiinyanga ezintandathu phambi yokufayilisha.

Phantsi komthetho co-ubolekayo ngokuzenzekelayo ingqalelo liqabane yomboleki, kwaye akunako isicelo. Ukuba iqabane ayikho kumgangatho ngokwaneleyo ephezulu yengeniso, ngoko ke ibhanki angabeka imiqathango kunikezelo mboleko sokubambisa - ukutsala omnye okanye emibini co-kubaboleki. Kungenzeka, esi sibini mfana zange afune ukwabelana amakhaya labo nabahlobo babo okanye nezihlobo, ukuba ungakhetha indima 'abancedisi "ngabazali okanye izalamane kangaka.

ubungozi

Okokuqala bonke ubungozi, Kakade ke, ngaphezu kokuba co-nye obolekayo nobolekwayo, kunokuba kubaboleki kwi mboleko. Efuna ukunceda, abaninzi musa ukucinga malunga neziphumo ezinokulindeleka kunye neengxaki kunokwenzeka. Mortgage Loan akuyi zihlawulwe zingaphelanga iinyanga ezimbalwa, kwaye ithathwa kangangeminyaka emininzi. Ngoko ke, iimbandezelo njengokugula, ukukhubazeka, kunye nezinye izinto ezi- Kuyinto kwipokotho co-nye umnikimali nomamkelimali. Oku kuyinyaniso ingakumbi kwiimeko xa isivumelwano sibonelela ukuba zonke izibophelelo kudlule ngokupheleleyo kuye imeko xa umntu onetyala oyintloko.

Kwakhona kuyenzeka ukuba abazali intsebenziswano kubaboleki sibini entsha, eyenza phezu ukhuseleko impahla yakhe, yaye xa umtshato ngesiquphe abantwana babo, fumana bekwimeko zingambi kakhulu - Amatyala kunye endlini mortgage.

Ukuba abahlobo bakho baye bagqiba ukunceda kwaye bathathe uxanduva ezinjalo, yaye emva kwexesha elithile umboleki baba abatshonileyo uyala ukuhlawula imali-mboleko, ibhanki iya kubamba iintlawulo zeentengo zemboleko. Kwaye, ukuba obolekayo nakho ukuhlawula co-mboleki wachitha mali kwixesha elizayo.

Kukho enye inkalo xa abantu abaliqela ezenziwe mortgages. Sberbank, kwakunye iibhanki ezininzi angala co-nye obolekayo nobolekwayo, xa ugqiba ukuthenga indlu ngetyala ngokwabo ngenxa yokungabikho kwemali ekhoyo kwimali iyonke ingeniso.

Njengoko ubona, kukho imingcipheko ezininzi i co-nye obolekayo nobolekwayo, naphambi kokuba umncedisi kwi isiganeko ezibalulekileyo ezifana ukuthenga zokuhlala, zibiza ixesha elininzi lokucinga, ukuze ke ukuba ningethi abahlobo nezalamane.

abolekise Insurance

Ukuze ukuba awele nemeko enzima, kwicala ngalinye xa usenza isicelo semali-mboleko kufuneka bazi amalungelo abo, kuquka co-nye umnikimali nomamkelimali. WamaLungelo kuMgaqo-mboleko sokubambisa, njengoko kucacisiwe apha ngentla, ziyafana kakhulu phakathi unetyala kwi-mboleko. Kodwa eyona nto ibalulekileyo ekufuneka ukwenza intsebenziswano obolekayo - ukuba inshorensi ngokwabo.

Njengoko usisiqinisekiso mali-mboleko, kufuneka inshorensi ukukwazi kwakho, yaye kwimeko xa umntu kwinkampani ye-inshorensi iya kuthatha sele kwiintlawulo enyanzelekileyo. Ngenxa yoko, i-inshorensi ubonelela intlawulo ngexesha aqinisekiswe amatyala mortgage xa kuthe yeemeko ebezingaziwa.

Maxa wambi co-kubaboleki ezi oogxa abaye wathenga ipropati yeshishini. Ngokufanelekileyo, ibhatala mboleko kunye, kufuneka inshorensi nemihlaba, kunye nokubanakho.

Imvumelwano inshorensi phantse zonke iibhanki, ingakumbi xa iinkonzo mortgage yokubolekisa. Sberbank, umzekelo, xa usenza ipolisi ye-inshorensi kwezinye iimeko rhoxisa uthumo abathengi kakhulu abanomdla inkonzo ebhankini.

-Inshorensi luyingenelo kuphela co-nye obolekayo nobolekwayo, kodwa ibhanki ngokwayo. Inika iinzuzo kwemaliu kwaye ikhusela ezininzi iingxaki, ezifana nokuqokelelwa kwamatyala, ilahleko yemali.

Mortgage mboleko ne co-kubaboleki - kukho umbandela onzulu kakhulu, ngoko ekupheleni kwesivumelwano kufuneka kufundwe ngenyameko kwaye ufumanise yonke imiba etshisa ibunzi.