Iintlobo mortgage yokubolekisa. inkqubo mortgage yokubolekisa

Mortgage sele ngokuqinileyo ebomini bethu, yaye ke akukho mfihlakalo. Iintsapho ezininzi, ingakumbi abaselula, baye babhenela kule nkonzo, leyo ikuvumela ukuba uthenge ilifa lokwenene kwi amagama kakuhle. Inzuzo ephambili mortgage kukuba ixabiso indawo yokuhlala kunye nenzala ye-mboleko wahlulwe ube uhlobo iminyaka 15-20, nto leyo evumela ukuba wenze imali ngenyanga efikelelekayo.

Namhlanje eRashiya ibonisa iintlobo ezahlukeneyo mortgage liboleke abanye; ezahluke iimeko zabo. Okokuqala kufuneka ukuba siqwalasele umba "mortgage": yintoni ukuthini na eli lizwi apho?

Yintoni-mboleko?

Eli gama kufuneka sibuyele BC ngenkulungwane VI. e. Ngeli xesha e Greece le hypotheca ngcamango, ethetha butyala onetyala ukuba otyalwayo ezinxulumene kunye nobunini mhlaba. Ngo komthetho wamaRoma,-mboleko na isibambiso izindlu.

Kwilizwe lethu kwikota yokuqala ukuvela ngenkulungwane XIX ezifike lathathwa eYurophu. Mortgage ngelo xesha kwakufana elithi "yemali". Kumaxesha Soviet, umthetho phezu mortgage ngemali wayengekho, njengoko kungekho mfuneko.

Ngowe-1998, uMongameli we-Russian Federation esayiniweyo wangena ukusebenza uMthetho "Kwi Mortgage", nto leyo yokuqala eyenzelwe ukulawula imisebenzi ngummeli wowona ulungileyo. Okwangoku, igama elithi "mortgage" ithetha isivumelwano kwipropati akananto.

Linjongo kunye nezifundo ze-mortgage

Njengoko sele kukhankanyiwe, mortgage yokubolekisa kuthetha ukuba mhlaba uthengiweyo iya bathembisa ngexesha buyiselo. Mortgage - isivumelwano apho amaqela injongosenzi kunye nesifundo yonxulumano zomthetho. Ngezantsi kukho izinto mortgage ukuboleka okunokwenzeka:

• zokuhlala, izindlu kunye namagumbi angasese;
• Ulilizwe elizulu eyale ngurhulumente kwaye awusebenzi kwipropati kamasipala, kwakunye nengaphezulu kummandla minimum avumelekile;
• iigaraji, zokuhlala kunye nezinye izakhiwo kunye nezakhiwo ilungiselelwe ukusetyenziswa yabathengi;
• amashishini, asetyenziswa ishishini;
• izinto zaselwandle.

Indima ebalulekileyo ekufumaneni nezivumelwano zokubambisa udlala mboleki. Oku kunokuba ibhanki okanye elinye iqumrhu elisemthethweni, nto leyo eya ukugcina iingxelo kwemali mboleko. Mortgage siboleka ngabanye yenziwa kuphela emva kokwenza intlawulo yokuqala.

Ukongeza kumxholo kwisivumelwano abatyalwayo babekwazi ukwenza kunye mali othenga izibambiso ukuba ukhuselekile-mboleko kwi-mboleko.

device mortgage yokubolekisa

Kuba ukuphunyezwa yokhululo mboleko mortgage lokuphepha ezithile kuthiwa mali. Ukuthengiswa ezi izibambiso elunxwemeni libonelela ngenkxaso-mali efanelekileyo kunikezelo mboleko mboleko. Olu luhlobo oluthembekileyo kakhulu izibambiso, nto leyo izisa pesenti eqinileyo. Eli phepha ithi ukuba ipropati akananto, elibhekisela kuyo.

Mortgage lokubolekisa eRashiya ngokubaluleka kuthandwa, kunye nabantu onesibindi ukuthabatha eli nyathelo, kufuneka bazi ngokucacileyo ukuba inkqubo yemali. Iphepha izibambiso kufuneka iqulathe incwadi coupon mandatory, nto leyo ibonisa ubungakanani kunye nomhla wentlawulo ye-mboleko. Abantu asebenzise mboleko hlobo, kuqala umdla imali uze emva koko inqununu.

Isibakala sokuba mortgage ithathwa zekota elide, ibhexesha kakhulu intlawulo ye-mboleko. Noko ke, ukuba ityala kwi-mboleko ihlawulwa ngokupheleleyo, lo mhlaba uya kuya ubunini bangafumana imali-mboleko. Oku ke ngoku indlela mortgage ukuboleka kusebenza.

uncedo

Ekubeni izenzo 2009 yenkqubo mortgage karhulumente ejoliswe kubantu abangenayo ithuba ukuphucula iimeko zabo zokuphila ngokunxulumene abanemivuzo ezincinane. Noko ke, kuphela ngo-2015, inkqubo kwaduma. Malunga 250 billion engange sele yabelwe ukuphuculwa iimeko zokuphila zabemi.

mortgage inkxaso ngemali karhulumente sikuko isibakala sokuba kuhlawulwe inxalenye ethile ityala karhulumente ebikuyo. Noko ke, ukuze ndingaqhayisi inkqubo enjalo akukho lula, njengokuba hayi zonke iibhanki uvume kwemiqathango. Basebenzisa inkqubo enjalo kunokwenzeka kuphela ezibhankini likhulu lizwe.

Undoqo karhulumente kule mvumelwano phakathi ebhankini kunye norhulumente. Bank kwandisa umdla layo izinga kwi-11%, kungakhathaliseki ukuba yintoni ekuqaleni. Umahluko phakathi sokuqala nesokugqibela rate (11%) byi karhulumente. Ukuze ube lilungu yale program, akunyanzelekanga ukuba ujonge kudidi zentlalo yabemi. Nabani na ukuthatha ngetyala ukuba iimeko ezinjalo.

Types of mboleko mortgage

Okwangoku, ngenxa yokuba imali-mboleko enjalo olukhulayo, kukho ezininzi ezahlukeneyo iintlobo mortgages. Ikakhulu benza kokukhutshwa mboleko neebhanki zorhwebo, eyona njongo iphambili apho kukwenza ingeniso.

Zonke iintlobo ezahlukeneyo ngokwemiqathango liboleke abanye; iimpawu zifunyenwe kwabo. Okwangoku, mboleko mboleko abantu lungohlulwa lube ngokwezigaba ezibini:

• ukufunyanwa emarike real estate ephambili;
• ukuthenga kwimarike real estate eziziisekondari.

Ukwahluka kweentlobo neendidi nezivumelwano zokubambisa kuya kuxoxwa ngezantsi.

Indlu leyo mboleko entsha

Olu hlobo udume ngokukodwa ngelo xesha. Noko ke, phezu kwazo zonke iingenelo (indlu entsha, akukho namnye akazange aphile ngokuvisisana oku), kwaye kukho iqela nezingalunganga. Amaxesha amaninzi kukho imeko xa indlu hayi ukuba irente ngexesha okanye ngexesha olude ebhaliswe lwequmrhu elithile likarhulumente.

Kwakhona enye ezingalunganga izakhiwo eziphambili sandisiwe nokubhaliswa kwempahla. Ukongeza, kunzima ukufumana imali-mboleko yokuthenga izakhiwo ezitsha, njengoko ingengabo bonke iibhanki bekwi. Noko ke, ukuba, ibhanki yafumana isicelo, kwimeko nganye uthathwa ngokwahlukeneyo. A lot of izinto ezichaphazela isigqibo sokugqibela, phakathi kwabo, kunye nokuhlanganisa ngubani na umphuhlisi, umtyali, yintoni na emisiweyo indlu njalo njalo. D. Apartments kwizakhiwo ezitsha zingathengwa ngokufanelekileyo engatyi, yaye ukhetho elungileyo kwiimeko ezinjalo iba-mboleko. usapho Young ekukhetheni eflethini phantse lonk ukhetha ikhaya elitsha.

Indlu kwimarike real estate eziziisekondari

Iimpawu mortgage yokubolekisa le ntlobo ziquka zavunyelwa ngokukhawuleza kwaye kalula zamalungiselelo. Kulo mba kufuneka ziphathwe kwiibhanki eziliqela, nkqu xa kuthe ukusilela. Eneneni, isizathu sokuba ukusilela yenzeka ebhankini kwesinye akayi kuba ngokucokisekileyo ngokwaneleyo.

Njengoko sele kukhankanyiwe, kulula ukufumana ngaphandle kwisakhiwo esitsha mboleko enjalo, ingakumbi ngenxa yokuba kukho isizathu sokukholelwa ukuba zokwala. Phakathi kwabo:

• umthengisi wenze yokuguqulwa indlu yaye abazange ubhalise le nyaniso;
• Ukucoceka ngokusemthethweni endlwini, mhlawumbi umntu ophila apho ibali esibi.

uhlobo Social mortgages

Olu hlobo mboleko mortgage ilungiselelwe amacandelo ezihlelelekileyo ekuhlaleni abantu, ngokunjalo kuluhlu lokulinda, abangengabo nako ukuthenga ipropati kwiimeko eziqhelekileyo. Kukho iindidi ezimbini mortgage kwezentlalo:

• yenzelwe kuluhlu lokulinda xa kunikwa Intlawulo yokuqala isixeko ngohlobo izibonelelo;
• mboleko sivunyiwe ngexabiso yeendleko zokwakha; kweenyanga ezintandathu kamva umamkeli-mboleko ukuhlawula ityala ngaphandle inzala.

Kwixesha elizayo, ukuba kungenzeka ukuthenga izindlu kwiinkqubo zentlalo ukusuka ababhekisi phambili ngokwabo ngamaxabiso emarikeni. Kodwa kuluhlu lokulinda uya kuba nako ukuthatha uncedo ukuhlawula mali irente. Uqhubeka ume emgqeni, kokukhona isixa-mali. Kwakhona, uluhlu lwabalindileyo unako ukuthenga ipropati, leyo eningayakhanga kuphela sixeko.

View mortgage kwiintsapho abatsha

Ingxaki kokufunyanwa kwepropati malunga indoda omtsha ingakumbi sibi. Iibhanki abafuni emngciphekweni, kunye nomdla kakhulu phezulu, njengoko ikamva yeengcali abaselula engalindelekanga. Kutshanje, Noko ke, ezinye iibhanki baza ukuhlangabezana abaselula ukwenza iinkqubo ezintsha.

Ngokusisiseko, olu hlobo nkqubo mortgage yokubolekisa ejoliswe ekunciphiseni intlawulo phantsi, kwaye igama elithi mboleko ubuninzi kunikezelo. Ukuba omnye wabalingane azinayo iminyaka engama-30, kwaye usapho umntwana, igalelo sokuqala kuthetha ukuba-10%. Ukuba abasebenzi abatsha sele amalungiselelo kumsebenzi ethembisayo, intlawulo yokuqala kuba zizonke-5%, kunye mortgage sikhutshiwe iminyaka 25-30.

Kakade ke, kwiimeko mihla, omnye iinketho ezininzi enengqondo yokuthenga ikhaya-mboleko. usapho ijonge iindlela ezahlukeneyo ukuphucula iimeko zemboleko. Eyona ngxaki inkulu lokubonisa ubunzulu ebhankini. Ukuba oku kuphunyezwa, ibhanki iya lingapheli.

Le nkqubo 'Ukwakha Kunye "

Iintlobo mortgage yokubolekisa isahluka kakhulu, yaye ngamnye kubo iinkqubo ezithile. Kakuhle eli "Ukwakha Kunye" yinto yezavenge elide, nto leyo iya kubuyekezwa ngeendleko yabemi.

Umsebenzi womntu, ngubani oza kuthenga izindlu, - ukugcina malunga 40-50% yexabiso, kunye nabanye co-op wongeza. Xa kuthengwa impahla, iba impahla loo mntu, kodwa ibheyile. Inxalenye yayisenza op, ukuba kuhlawulwa ubuninzi engama-20. Ngoko ke lien na ezisusiweyo, kwaye umntu uba umnini yinxalenye.

I "Military Mortgage"

Zonke iinkqubo mortgage ezijoliswe ekuphuculeni imiqathango ye-mboleko, kwaye oku kungekho ngaphandle. Le nkqubo numbers kubonelelo lwezindlu for servicemen.

Iimpawu mortgage ngemali le nkqubo kukuba emkhosini, leyo uqukumbela isivumelwano yokuqala, umntu unelungelo uhlobo oluthile ezibanjwayo. Ngelo avareji iindleko ngonyaka joni lifumana malunga nama-250 amawaka engange. Le mali ke Ungathatha ingqalelo ekupheleni kwesivumelwano endala nokusayina entsha. Isixa ukuba sele efunde kwisithuba seminyaka eliqela, kuza njengokubonakaliswa Intlawulo yokuqala.

Intsalela ye-mboleko ehlawulwa kurhulumente, lo gama emkhosini kukuba kwimvumelwano emkhosini. Kwathi kamsinya nje akuba uyayeka ukuba lijoni, urhulumente liyayeka ukuba ahlawule, yaye inxalenye eseleyo yemali-mboleko kufuneka ihlawulwe ngokwakho.

Iprojekthi "Housing olufikelelekayo ihlale - kubemi Russian"

Injongo yale projekthi kukwandisa ukufumaneka nezivumelwano zokubambisa kubemi Russian. Wonke umntu uyazi ukuba abantu abaninzi, phantse ithuba kuphela kuthengwe lwezindlu-mboleko. iintsapho Young kungekho ngaphandle. Baya jikelele abavumi-mboleko mboleko.

Abathathi-nxaxheba yeprojekthi nale kungekho ngxaki. Ukongeza, nokunciphisa ipesenti yemali. Le projekthi yaphuhliswa ngaphakathi sikhokelo uhlobo loluntu mortgage yokubolekisa. Umehluko Its ukusuka kwishishini - okhethekileyo (lwabakhethiweyo) kwi square metre nganye. Kwinkqubo-sikhokelo yebhanki mortgage lwentlalo uyavuma inshorensi umboleki kunye kwindawo zokuhlala kakhulu, kwakunye ukugcina izinga ethile de kube sekupheleni mboleko.

Uphuhliso mortgage lokubolekisa sibamba kunokwenzeka ukuba iintlobo ezinjalo kunye neenkqubo ajolise ukuphucula iimeko zokuphila iintsapho abatsha kunye koluntu sesichengeni ekuhlaleni.

Eziluncedo nezingeloncedo mortgage

Iintlobo mboleko mortgage, nokuba enye babe nobubi babo bendlela. Oku kuyinyaniso nje kuphela ngokumalunga mortgage, kodwa ngokunxulumene nayo nayiphi na imali-mboleko. Ngoko, eziluncedo:

• ukuba kukho inani elikhulu labantu mortgage na ithuba kuphela imizi yabo;
• mortgage ukhutshwa ixesha elide, kwaye abantu lokukhetha bahlawule imali encinane;
• Ungabhalisa kwi endlini nezalamane zabo, ngokunjalo ukwenza ulungiso ekhuhlangubeni lakho, ngokubanzi, ukuba anike imali ongase indawo yayo.

Bobubi zezi:

• ngokusemthethweni indlu, kokurholwa-mboleko, lebhanki loluka, yaye umntu akanako ukuthengisa okanye unikele;
• ngexesha umntu mboleko uhlawula iindleko-2 okanye ezi-3 kwezi zokuhlala, kuba eli gama inkulu kakhulu;
• Ukuba umntu uyayeka ukuba ahlawule, ibhanki uthatha indlu and kubekwa kwintengiso ukuhlawula iindleko zabo, isixa-mali esisashiyekileyo ziya kubuyiswa.

Abantu abaninzi at esithile okanye enye ubomi babo esazibuza ukuba athathe indlu ngetyala. Mortgage lokubolekisa e Russia kuneengxaki ezininzi, kodwa ehlabathini namhlanje yenye amathuba ambalwa ukuba ithenge indawo yabo yokuhlala. Into esemqoka - umsebenzi ozinzileyo eza kunceda ufumane intembeko ebhankini, kwakunye nokuphucula iimeko-mboleko. Kutshanje urhulumente sidala ezininzi iinkqubo ziyilelwe ukuba kube lula iintlawulo nokunceda abantu ukuthenga ikhaya.