Indlela ukufumana mortgage kunye nembali embi ngetyala: iingcebiso zomthetho

mboleko Mortgage - enye yezi ntlobo-mboleko idumileyo ehlabathini. Ithuba yokuthenga izindlu zabo kwangoko kwaye hayi emva kweminyaka ucalucalulo yena kuzo zonke izinto, kukutsala abantu ngakumbi nangakumbi. Noko ke, ngokufumana mboleko kunye nembali embi ngetyala inokuba yingxaki enkulu endleleni eya iphupha ezikwiikona yakho.

Kufuneka wenze ntoni kule meko? Ingaba ibala igama lwemali ukuyisombulula njani na loo ngxaki Apho kukho igazi encinane? Le mibuzo neminye emininzi umdla omkhulu umfundi, xa sijongene ukwala mboleko.

Yintoni na le mboleko yemali

Okokuqala, makhe sithethe ngoko imbali indlu namanye amatyala, indlela ezingena ngayo omnye komnye, kwaye nokuba umntu kuchaphazela nabanye.

Xa igama elithi "mortgage" ithetha uhlobo abonge, xa ityala yokuthenga izindlu, nokuba uba isitshixo lebhanki de kube kwemali mboleko. Kulo mzekelo, umthengi nangona kucingwa ukuba umnini-ndlu, kodwa ayikwazi ukwenza ukuba naziphi na izenzo zomthetho. Ukuba izohlwayo ezifakwe de intlawulo epheleleyo ye-mboleko umxhasi eyeka ukuhlawula iindleko zekhaya. Ekugqibeleni, ibhanki unako yaye elo yokuhlala evela umboleki ukungakhathali. Kulo mzekelo, bantu sesichengeni ashiywe ngaphandle kwemali nangaphandle yokuhlala.

Ukongeza zokumisa okanye ulibaziseko ekuhlawuleni imali-mboleko, kukho ezinye izizathu zokuba imvumelwano ipheliswe:

• aguqule impahla, ukungaphumeleli ukuthobela imiqathango yokusebenza le;
• izibonelelo isilumkiso ukusetyenziswa ngamaqela esithathu;
• waphula imiqathango ye-inshorensi;
• ezinjenge yezakhiwo, ukutshintsha tehharakteristik lwezindlu.

Kuthathelwa ingqalelo into yokuba loo mboleko bahlawulwa isibini eminyaka, iibhanka ngenyameko kakhulu khangela abo ukunika mortgages. Bazama ngazo zonke iindlela zokunciphisa umngcipheko non-lokuhlawula ityala. Kuba ibhanki avareji obolekayo oyinto ngolu hlobo lulandelayo:

• Ubudala - malunga 27-30 iminyaka. Oku kwanele ukuba akhombe ekupheleni iintlawulo umthengi abangekenzi umhlala.
• A umvuzo eliphezulu esemthethweni. Ukuba imali yakho ubuncinane kathathu intlawulo yenyanga kwi mortgage yakho, uya Siyakwamkela umthengi nayiphi na ibhanki.
• Amava ezihamba kwinkampani elungileyo, mayimane ukukhangela iposi ophambili.
• A imeko yentsapho ezinzileyo, kwakunye isibini abantwana ziya komeleza kuphela isikhundla sakho. Ngaphezu koko, kungakuhle ukuba iqabane (unkosikazi) babeqeshwe ongahlawuli elungileyo.

Nokuba udibana zonke ezi nqobo kwaye ufuna sokubambisa, imbali elibi kwindlela ohlawula ngayo ukudlala nawe a joke logonyamelo.

Phi imbali yekhredithi

Nabani na ofuna ukwenza isicelo ebhankini kunye nesicelo kokufumana mboleko, kufuneka kuqala siqonde ukuba lithetha ukuthini igama elithi "imbali credit", njengokuba kubhaliwe abunjwe, apho ifumaneka khona nento kuchaphazela. Emva koko, endaweni yokuba pester abahlobo kunye abazana ngentswahla: "Siza-mboleko kunye nembali embi ngetyala!" - umntu ngokuzimeleyo nefuthe le meko.

Ngaphambi kokuba uthathe kuyilo mboleko, naliphi na iziko lemali ngokuyimfuneko ujonge BCH (credit). Ukuba ilingane ulwazi wonke umntu owake ebomini bam uthatha imali ematyaleni. Kwidathabheyisi enjalo nempinda ulwazi malunga noko yenziwe mboleko kule okanye loo mntu, ngenyameko ukuba enze iintlawulo ukuba ukulibaziseka. Ukuba kungakho ukophulwa kwesivumelwano, nerekhodi iza kuvela amabali ngetyala.

Yintoni i "imbali embi credit" kwaye ichaphazela

Njengoko usazi, kukho indawo CI - isizathu sokwala ekufumaneni-mboleko. Ukufikelela kwi yolwazi onke amaziko amatyala, ngaphandle kokukhetha. Kukho iindlela ezininzi apho iitshekhi kuvame kuqhutywa. Umzekelo, ezifana:

1. Ukungaphumeleli ukuthobela ngokwemvumelwano, yokulibaziseka sentlawulo, uyalahlwa opheleleyo izibophelelo.
2. Izizathu loo nto ixhomekeke mboleki, kodwa zimbi yolingo lwezonyango. Oku kunokuba impazamo iinkcukacha, enze intlawulo ngomnye yibhanki, intlawulo emva kwexesha, i ubalo ezingachanekanga isavenge sokugqibela, kunye nezinye izinto.
3. imisebenzi yobuqhetseba. Kukho iimeko apho nabakhohlisi bazobe-mboleko, ukusebenzisa amaxwebhu abanye abantu. Bayabuya imali, Kakade ke, akukho uya. Kulo mzekelo, nokuba izenzo zolwaphulo kwamaqela wesithathu uya kucikidwa, IQ wakho uya ngocoselelo baphanga.

Kakade ke, kubonakala ukuba umthengi ukuba akanatyala, kodwa kunceda mortgage kwakufuneka ukuba kwezi meko zimbini zokugqibela.

Indlela ukukhangela yembali yakho yamatyala kwaye kutheni kufuneka yenziwe

Ukuze siphephe iimeko ezingentle, kungcono ukuqinisekisa ukufumana phandle kwangaphambili yabo IQ. Isibakala sokuba ibhanki akanyanzelekanga ukuba ngandlel 'susumetela ukwala kwakhe, kodwa kaninzi ngaphezu kubasebenzi bamaziko zemali kubhekiselwe kuyo. Ngaphezu kwazo zonke ezi zinto zingasentla, kunokonakalisa izigane- minor:

• (Iintsuku ezimbalwa) ezincinane ukulibaziseka ngetyala yabathengi;
• intlawulo yokuqala mboleko ngaphandle kwemvume ebhankini;
• ukungaphumeleli ukuthobela neemfanelo zalo, ukuba ube ngummeli wowona ulungileyo isizalwane mboleko okanye umhlobo;
• ityala ngo 2-3 engange uqale ngenxa impazamo izibalo.

Ukuze siphephe inkathazo, yenza kube umthetho ubuncinane kanye ngonyaka, khangela igama lakho ngetyala. Okukhona oko kakhulu nje:

1. Okokuqala kufuneka ukujongana kwiyuniti eyodwa Bank of Russia, ekuthiwa "Catalogue KI Central". Kufuneka ukufumana ulwazi malunga apho kanye na ibali lakho.
2. Ngoku, uthumele isicelo kwiziko elithile ngetyala kwaye ufumane ulwazi oluyimfuneko. Kanye ngonyaka, oko kunokwenziwa simahla.

Indlela ukufumana imali-mboleko, saziwa sonakaliswa

Enoba ulwazi onokulufumana, ungaphelelwa lithemba. Khumbula, ungakwazi ukufumana-mboleko. Imbali Bad credit ukuze ukuqhayisa, Kakade ke, akukho kuyimfuneko. Kodwa meko alungiswe. Njani? Kukho iindlela ezininzi:

• Ukungeniswa kwamaxwebhu ngemali encinane, khangela akukho kangaka ngocoselelo ukuze kwenzeke;
• wenziwa njengabalamli;
• Iifayili mortgages ebhankini, nto leyo esele ikunike mboleko nye;
• mboleko evela developer;
• ukubulawa sokuhlala-lokuthenga.

Kukho iindlela apho akukho mfuneko yokubhenela. Kuyinto ezisitheleyo emarikeni kukho imibutho ukuba zilungele imali ukuba balungise amaxwebhu. Ukuze wenze oku, njengokuba usazi, akukho mthethweni. Oku kunokuphumela neziphumo ezimaxongo.

Kwakhona endle ezibolekisa kweebhanki ngumkhuba kakhulu eziqhelekileyo ukunyoba yorhwebo. Oku kuthetha ukuba abanye abasebenzi bamaziko zemali zikulungele ukuba bavale amehlo abo kwimbali elibi samatyala client. Kakade ke, hayi nje njalo, kwaye umvuzo esiqinileyo. Musa ukuhlala loo nto. izenzo sikwanjalo mthethweni.

Ngaba ukulungisa imbali embi

Nokuthathelwa indawo kunye nembali embi - kuba lenkathazo kakhulu, kodwa yokwenene kakhulu. Ukufumana iimpazamo CI, ungafaka isicelo utshintsho. Kulo mzekelo kufuneka angqine ukuba iinkcukacha eziqulathwe imbali yekhredithi, zabekwa phantsi nokulungiswa. kutshekisha kuya kwenziwa ngesicelo sakho. Kweli nqanaba, kufuneka ukulungiselela amaxwebhu ichaza wena umxhasi othembekileyo. iintengiselwano anjalo angaquka:

• iirisithi engqina isimo intlawulo;
• kwizicatshulwa amaziko ezemali, ukunqongophala mboleko eseleyo;
• isiqinisekiso kumapolisa ukuba mboleko sikhutshwe nabakhohlisi ukuba amaxwebhu akho;
• namanye amaxwebhu ezingqina nobunyulu bakho.

Olu phicotho iya isigqibo utshintsho yembali yakho yamatyala. Ukuba ke, uze ungavumelani iziphumo zeemvavanyo, ungaya enkundleni kunye nokukhusela amalungelo abo apho.

Ukuba ukunyhashwa yakho indima kwenzeka, kwaye ngoku andazi ukuba njani mortgage kunye nembali embi ngetyala, kuyimfuneko ukuba maluqhutywe ngolu hlobo. Thatha nayiphi na ibhanki mboleko umsebenzisi encinane ukuthengwa, umzekelo, izixhobo zombane zasekhaya, kwaye ngobunono ukuyihlawula. Phinda la manyathelo izihlandlo eziliqela. Ngoko ke ukulungisa igama lakho zemali, kunye neziphene ezincinane ngaphambili uya ukuxolela.

Ityala evela kumqambi

Ngoku makhe sithethe ngendlela yokufumana mortgage kunye nembali embi ngetyala, ukuba oluchanekileyo ayikwazanga kunye yebhanki uye saliwe. Kulo mzekelo, ungenza zama ukusebenzisa ngqo phambili. Akukho Iinkampani ezinkulu kakhulu ukwakhiwa badla kufuneka ukutsala eyinkunzi wesithathu-party. Ukuze benze oku, kufuneka uqhagamshelane ibhanki semali-mboleko. Nangona kunjalo, oku inzuzo kunjalo, njengoko kufuneka ukuba uhlawule inzala.

ukhetho nenzuzo kukuba gimeta hi izavenge yesivumelwano umthengi. Kulo mzekelo, umphuhlisi ufumana imali eyongezelelweyo ukwakhiwa kunye nabantu bendalo - ukukwazi ukuhlawula iindleko ungamalungu lwezindlu.

Xa izinto ezicacileyo, ezifana nokunqongophala inzala, imirhumo, intlawulo ukulungiselela uvavanyo kunye inshorensi, le ndlela iye engxakini ebalulekileyo - ixesha bengabalulekanga yokuhlawula ngezavenge. Ayifane nayiphi na inkampani bayavumelana ukuba ukugqiba isivumelwano eso kwisithuba seminyaka engaphezu kwe-5. Ukongeza, uqinisekile ukuba zifuna isavenge ngokwanelisayo okuqinileyo kuqala. Amaninzi kuba malunga ne-30% yeendleko kwezindlu.

Ukuqhagamshelana ibhanki ezincinane

Ukuba uyazibuza malunga nalapho unokufumana i mortgage kunye nembali embi ngetyala, zama ukuba uqhagamshelane ibhanki ezintsha okanye iziko yemali encinane. amaziko anjalo lwa umxhasi ngalinye yaye ngokufuthi ukunciphisa iimfuno abaviwa mortgages.

Ukongeza, ezi maziko badla ukusebenza iingcali abangenazo amava obaneleyo kwinkalo yokubolekisa ngemali. Ngamafutshane, ukuba nje abazi ukuba uzikhangele, kodwa abe ndamvuselela kakhulu ukuba angene kwimvumelwano.

Kodwa le ndlela iye kuneengxaki. Kaninzi iba inzala ngokwanelisayo aphezulu okanye ukuwiswa iimali ezongezelelweyo. Ngale ndlela, iibhanki ezincinci badla ukucutha ubungozi kungagqitywanga.

Isibambiso sebheyili +

Enye khetho ukuba indlela yokufumana mortgage kunye nembali embi ngetyala, kukunika inani elikhulu izibambiso ezongezelelweyo kunye guarantors.

Ekubeni namnye egcina akuyi ukusebenzisana nabathengi ukungathembeki, kuya kufuneka ukweyisela oogxa bakhe ukuba onokumthemba. Okokuqala kufuneka acele inkxaso indoda umisela umzekelo ngokwemali nokuba ingeniso esiqinileyo. bhetele, ezi guarantors ziya kuba mbalwa. Kulo mzekelo, akayi kuba okunene zinzima kakhulu ukuba ukujonga emehlweni umphathi yembali yakho yamatyala negative. Ngapha koko, xa kuthe ukungaphumeleli ukuthobela neemfanelo zalo ityala sele kufuna intsebenziswano yaho.

Ukuba uyakwazi ukunika ibhanki kunye into eninzi, sele ephethwe amalungelo empahla, siza kwandisa ngokubonakalayo amathuba akho okufumana i-mboleko. Kungaba Cottage, nemoto enexabiso, ase-, izacholo antique njalo njalo. Kufuneka kuqondwe ukuba yokuhlala athenga liya kuba nguNgxokolo isitshixo. Ukuba uyasilela ukuthobela neemfanelo zalo, ungaphulukana zombini isibambiso uze kusala ungenanto.

Nyusa isixa isavenge sokuqala

Phantse yonke le mboleko mortgage banikwa ubuncinane (phantsi zero) isavenge sokuqala. Ngoko ke, ukuba awazi ukuba njani mortgage kunye nembali elibi kwicala lamatyala, kodwa unayo imali eyaneleyo-mali ekhoyo, zama ukwenza amalungiselelo mboleko kunye intlawulo elikhulu phantsi. Ukuba ungenza wayenyanisile-50% yeendleko kwezindlu, imbali esibi ibhanki kungenzeka ukuba bakubetha ngoyaba. Oku kwenzeka ngenxa yokuba, nangona akukho kuphinda uya kukwazi ukuhlawula imali-mboleko, ibhanki sithengise ngokulula indlu yakho isiqingatha ixabiso layo ngokwenene kwaye baya kufumana imali.

Sibhenela mbambano

Ngamanye amaxesha imbali credit umthengi yeyona nto ibuhlungu kangaka, ukuba kusenokufuneka uncedo ekufumaneni mortgages. Ukulungiselela le njongo, kukho abarhwebi ezikhethekileyo ngetyala. Aba bantu ukukunika uluhlu iibhanki ukuba ukulungele ukuqhuba ingxoxo kunye nabathengi ngxaki. Ngokuba ntlawuliso iyenye, le umthengisi uya kuthatha zonke thethwano kwaye phantse baqinisekiswa ukuba ikunike mortgages. Noko ke, iinkonzo abancedisi ezo zibiza imali eninzi, kodwa maxa wambi yiloo ndlela kuphela.

Senza i kokuqeshisa yokuhlala

Kukho nenye entsha ngobulungisa kwindlela Russian zekhadi sokubambisa kunye igama sonakaliswa. Le izindlu ezazakhiwe. Undoqo yeyokuba umntu ongena ibe izindlu sengqesho-ukuthenga. imali rhoqo ngenyanga ngexesha elifanayo ibandakanya iindleko kwerente kunye zesixa sentlawulo mboleko. Imbali Credit kule etyaleni ukudlala nayiphi indima. Ngapha koko, phambi kokuba intlawulo lonke ixabiso umthengi ukuba akanguye umnini indlu, kunye neziko-mali.