Imigaqo mortgage yokubolekisa: la maxwebhu, isavenge sokuqala, amaqondo enzala, ngokoMthetho

Abantu abaninzi namhlanje banomdla ngokwalo-mboleko. Izindlu kuyimfuneko ukuba wonke umntu, kodwa ukufika kubo ngokukhawuleza njengoba kuvela wonke umntu. Ngenxa yokunqongophala kwemali eyimfuneko imali eninzi awayesibawela "yezikwere". Kaloku, abantu abaninzi baye babhenela zokubambisa, kodwa iimeko apho ikhutshwe, uyakwazi xelela iinkcukacha ezingaphezulu.

ulwazi jikelele

Kuba isiqalo kubalulekile ukukhumbula ingqalelo ukuba umahluko phakathi kolu hlobo mboleko mboleko oluqhelekileyo. I caveat lokuqala - eli xesha. I-mortgage ikhutshwa iminyaka 5-50. Kodwa ke amaxesha amaninzi kokuba kuthathwe 15-25 (kwi-avareji). Oko kakhulu. Nokuthathelwa indawo kukhutshwa kuphela kwiimfuno zezindlu. Oko kuba ukuthenga izindlu, zokuhlala, okanye umsebenzi wokwakha. Le caveat wesithathu na isibambiso. indima yakhe idlalwa izindlu ethengiweyo. Ibhanki kufuneka kukuba Ndothengisa kunye ukuze bazuze inzuzo, xa umxhasi akakwazi ukuhlawula amatyala akho.

Oku - iimeko jikelele mortgage yokubolekisa. Ukuba uyakholwa manani, ngoko ke ukuba kuye pesenti iphezulu ngokugqithisileyo. Kodwa sikakrebe kakhulu, njengoko indoda kubanika kwisithuba ixesha elide. Ngapha koko, abanye abantu nje akukho ndlela yimbi. Noko ke, kule umzekelo ngokomzekeliso ukuqonda zinto lula.

iinkonzo Sberbank

Kweli ziko zemali mboleko zithathwe rhoqo. Kwaye ke mortgage - kungekho ngaphandle, nto leyo akumangalisi, kuba Sberbank yeyona ilungileyo, ethembekileyo kunye nempumelelo kweli lizwe. Kwaye inike iinkonzo elungileyo.

Zeziphi iimeko mortgage yokubolekisa Savings Bank? Kakhulu evumayo. Kodwa ke iimfuno abathengi zichaphazelekayo.

Masithi umntu ekhangela indlela endlini engange kwezigidi ezihlanu. Imali akanayo, kuba wayenomdla-mboleko, yithini, kwiminyaka 5 ngomyinge wenzala we-11.5%. Ke kuya kufuneka ukuba benze igalelo engange million 1. Yinto - 20% ye-mali. bank Iyonke, ngethiyori, nimthabathe ukuya kwizigidi ezine. Uya imvume isicelo, kodwa ukuba umamkeli yemivuzo i-Savings Bank, kwaye ngenyanga walahlekelwa ubuncinane 115 000 engange njengoko s / n. ngenyanga nganye, oko kuya kukunika malunga 88 000 engange. Kwaye ngenxa yoko isixa mali egqithisileyo ukuya malunga 1.28 yezigidi engange. Onenzuzo okanye hayi - ukuba wonke umntu uzenzela isigqibo ngokwakhe.

Ezigqithisileyo lokuvuthwa enkulu

Kwaye ukuba uthathe ingqalelo kwezinye iimeko kuwe? Imali-mboleko efanayo kunye nentlawulo phantsi kodwa iya kukhupha mboleko kwe-5, kunye neminyaka engama-30 - kwenzeka ntoni emva koko? Ayikho into elungileyo, njengoko nyanga nganye kwi iholo 60 lamawaka. Thambisani. umntu kufuneka ahlawule amawaka-40. bagcobe. njengoko iintlawulo, yaye ngenxa yoko isixa mali egqithisileyo ukuya kwizigidi 10.9 engange, kuthathelwa ingqalelo into yokuba abantu baza 'athathe "evela kurhulumente ngamaxesha 2,5 ngaphantsi. Ezi imiqathango mortgage wokubolekisa ngemali kwi-Savings Bank. Oku akuthethi fiction - zonke izinto lukhangelwe, ngenxa yale njongo ngoku kukho iikhalityhuleyitha ezikhethekileyo online.

Yintoni ozifunayo kwiklayenti?

Ngoko ngasentla ngokufutshane kucacisiwe imiqathango mortgage wokubolekisa ngemali kwi-Savings Bank. Ngoku lokumba kumxholo nize nincokole ngezinto kufuneka kwiziko lamatyala eka hinkwaswo umthengi ukuba anikele "ezilungileyo" umba we-mboleko.

Lokuqala - ephakadeni. Nokuthathelwa indawo uya kukhutshwa uqale kwiminyaka ubudala-21. Iminyaka yobudala eliphezulu alinganiselwe, ngokuqhelekileyo iminyaka engama-65, kodwa kakhulu ixesha lokuhlawula ityala ukuba umntu. Nangona kunjalo, i Sberbank isikhokelo ezahlukeneyo ephambili ngumzekelo. ubudala babo eliphezulu yiminyaka 75.

Isibaluli ibalulekileyo - kuba aphezulu. Ngokubanzi, oku kufuneka ubuncinane ngonyaka. Neenyanga ezi-6 - kwindawo enye. Kuyacetyiswa ukuba 'tsiba' ukusuka lweshishini enye ukuya kwenye - kubantu abanjalo akukuthembi ebhankini.

Kodwa ke imiqathango zibalulekileyo mortgage yokubolekisa zigutyungelwe kwinqanaba lengeniso. Umntu kufuneka imali ngokwaneleyo. Ngenxa nyanga nganye uya kunyanzeleka ukuba ibhanki 40-50% yemivuzo yabo. Hi ndlela leyi, a ephambili lebhanki zisoloko abo bantu abaye zizalisa sikwancedela (umzekelo, isitokhwe). Ukuba isigulane lozaliso ngegolide, izibambiso kunye amakamva (iinketho) iyafuneka ukuqinisekisa oku. Ezi imiqathango mortgage yokubolekisa.

Yintoni enye kuthathelwa ingqalelo?

Oku kungentla - akukho zonke iimeko imo mortgage yokubolekisa. Nkqu ibhanka athathele ingqalelo kwingeniso izalamane basondeleyo ye client (kulo mzekelo, ukuba guarantors) kunye ukuqinisekisa umthombo inzuzo. Umzekelo, kwi irente propati.

Okunye umntu kufuneka abe naliphi na ityala ebalaseleyo. Imbali credit Perfect - ithuba ngqo yokubangela mboleko.

Hi ndlela leyi, kubaluleke ngakumbi ubukho sozaomschika. abathengi ngambini (indoda nomfazi) sikhuphe nezivumelwano zokubambisa qho ngaphezu omnye. Ngenxa yokuba xa .Asikwazi intlawulo abantu ababini, uxanduva lwabo ngeke asinde. Ngaphezu koko, imali iyonke yomsebenzi enkulu. A sozaomschiki nabantwana (ezimbini okanye ngaphezulu) anelungelo lokusebenzisa capital umzali - ukuba uhlawule intlawulo yokuqala okanye inxalenye mboleko. Oku - ekhethekileyo mortgage yokubolekisa. Imigaqo bonke abo enye nezinye iindidi abathengi.

Ebekiweyo, inzala kunye neentlawulo

iimeko mortgage yokubolekisa zilula kodwa ebemaninzi. Njengoko kuchaziwe ngaphambili, ukuba akhuphe amboleke olu hlobo kunokuba imiqathango ezahlukeneyo. Kodwa imisela ibhanki ngokwayo. Kuxhomekeke ubudala, ingeniso kunye mboleko ubukhulu lesigulane eso. Kucacile ukuba xa umntu efuna ukuboleka imali engange kwezigidi ezibini, akayi kubanika ngonyaka. Ngaphandle kokuba, kakade, hayi umvuzo wakhe 250 000 rbl. / Month. Kodwa ke anengeniso abantu mboleko kwezigidi ezibini musa, ngoko ke asikwazi ngisho kubhekwe umzekelo.

Kweminikelo iyahluka. Umzekelo, i-notorious Savings Bank inika-nxaxheba zale projekthi "Family Young" ukwenza% 10 kuphela iindleko zizonke kwezindlu. Kwaye ukuba kukho umntwana yobukhulu balo lifinyele kwi-5%. Uncedo efanayo, ebonisa iimeko ezilungileyo mortgage ukubolekisa eMoscow.

Izinga umdla yomfula phantse efanayo. Kuyahluka kwi-avareji ukusuka kwi-12 ukuya kwi-14%.

imiqulu

Kulungile, ngoko, ebonelela iimeko mboleko mortgage ngendlela eqondakalayo elifutshane. Ke ngoku ngenxa amaxwebhu ayimfuneko.

Loo ndoda lifumene ukusuka 'elungileyo' ebhankini xa isicelo semali-mboleko, kuza kufuneka ukuba uqokelele iphakheji lwamaxwebhu. Eyona nto ibalulekileyo - yinto isicelo-mboleko kunye iprofayili. Kwakhona kufuneka ikopi yencwadana yokundwendwela, isiqinisekiso inshorensi Inn, itikiti zomkhosi (amadoda), uxwebhu kwimfundo, umtshato / uqhawulo-mtshato, ukuzalwa abantwana, yaye asebenze-ncwadi. Sinikiwe version yayo ifotokopi, ingqinisiswe ngumqeshi. Kwaye ke, amaxwebhu ukuba ubungqina bengeniso.

Njengoko isongezelelo angafuna isiqinisekiso sobhaliso (imvume yokuhlala), iikopi zokundwendwela bonke abo bahlala ndawonye ezinokubakho obolekayo, kunye namaphepha ngaphezulu engqina ukuba umntu anazo impahla ethile ezixabisekileyo. Nakuba kunjalo, ukuba kukho into kufuneka ngaphandle iseti eqhelekileyo kwezixhobo - umntu uya kwaziswa. Eyona nto ibalulekileyo - musa ukulibala eyokuqala.

Iziphakamiso empini

Kufuneka kuqatshelwe ingqalelo ekhethekileyo. Military Mortgage iimeko zemboleko inika enye, nenzuzo. Okokuqala, isivumelwano ngamnye umqeshwa kufuneka babhalise kwi NIS. Le - imali kunye yemali-nkqubo. Nyaka ngamnye, ngeendleko umkhosi iya kufakwa isixa esithile semali, yona efanayo kumntu wonke. Ngo-2015, umzekelo, sasifana kwi 245.880 engange. / Unyaka. Emva kweminyaka emithathu inxaxheba kwinkqubo yasemkhosini bangafaka ingxelo ukuba unqwenela ukufumana isatifikethi, nto leyo eya kumnika ilungelo lokuba ufumane mboleko yezindlu ekujoliswe ebhankini. Koluphi uhlobo welifa real - oko uzimisele kamva.

Emva emkhosini iya imali-mboleko, ngokusebenzisana NIS uvula i-akhawunti apho, yaye sithatha yonke imali ukugeleza. Bona wahlawula intlawulo yemali yokuqala. Oku kulandelwa kokugqitywa ngokwesivumelwano setyala. Best konke - mortgage uhlawula FGKU "Rosvoenipoteka" ukusuka mali federal. Kwaye ke imali leyo njalo ngenyanga, lingana 1/12 inxalenye imali yokugcina NIS. Noko ke, kukho caveat - ngexesha ukuhlawula imali-mboleko emkhosini kufuneka ubuninzi engama-45.

mortgage Subject ibonakala ilula. Kodwa enyanisweni, iqulathe eninzi kujonge izinto ezibalulekileyo. Eyona nto ibalulekileyo - ukuba amagama mortgage (eMoscow nakwezinye izixeko Russian). Yaye ngokuqinisekileyo ekufuneka ukuba zithathelwe ingqalelo, ukuba ngenene unayo kufuneka akhuphe mboleko. Kufuneka sizame ukwenza yonke into waya phezu ngokwemiqathango kuFeliks.