Indlela ukuze ahlawule imali-mboleko yakho ngokukhawuleza? Schemes, izinketho, iimeko

Bonke bathenga indlu mali ngetyala, uyazibuza ukuba indlela yokuhlawula ngokukhawuleza indlu? Ngapha koko, phantse wonke umntu obhobhozayo zoba nasengqondweni. Khumbula wamkele eminyaka, lo mboleki iya kuhlawula ityala, kuba nzima kakhulu.

iintlawulo zenyanga ukusuka komnye unyaka ukuya komnye, iintlawulo ulwandiso-inshorensi kunye nezinye utyalo-mali kwiindawo yenza olutsha umnqweno ukuhlawula ityala mortgage ngokukhawuleza kangangoko kunokwenzeka.

Scheme iintlawulo zenyanga

Wowulungela abo okanye ezinye iinkqubo mortgage, uzimisele kuphela elungileyo ngonyaka umyinge wenzala kunye abolekise lula ngenxa xesha, kodwa ukhethe enye amacebo intlawulo kulo.

scheme Annuity

It ikuvumela ukuba wenze iintlawulo zenyanga wezixa ezilinganayo ngexesha lonke ixesha mboleko. Kodwa ke musa ukuba intlawulo yenziwe i iihafu ayilungelelene; inqununu kunye nomdla ukusetyenziswa kwayo.

Umzekelo, isivumelwano sokubambisa kukuba iminyaka 20-25, kwaye iminyaka 13-15 yokuqala, phantse intlawulo yonke yenyanga iya kuba nenzala yayo, kodwa umzimba-mboleko iza utshintsha encinane. Indlela ngokukhawuleza ukuhlawula imali-mboleko kwi-scheme annuity? Akukho nto. Bank ukuba ekuqaleni intlawulo yemali evela umboleki ufuna umdla wabo. Ngaloo ndlela ukhusela ngokwabo kwilahleko kunye nokuqinisekisa ingeniso ubuninzi.

scheme ngokwahlukeneyo

iintlawulo zenyanga esifaneleyo. Iintlawulo zokuqala inkulu ngokwaneleyo, kodwa kancane kancane kwaye akukho elide kangaka ngumthwalo umboleki. Kwaye ukuba sele kuyilo ibonisa obolekayo ukuba ahlawule elo mboleko ngokukhawuleza, ngoko ke lo kungcono ukuyisebenzisa.

intlawulo ngokwahlukeneyo ibandakanya alinganayo omzimba ityala kunye nenzala. Ke ukuba mortgage ihlawulwa off ngaphambi kwexesha, kukho ukwehla umlinganiselo kule mali.

Ukuhlawula iintlawulo zenyanga ezifana phantse zonke kubaboleki ngumsebenzi onzima, ngoko khetha iintlawulo annuity. Ngapha koko, inkoliso iibhanki musa anike umboleki ilungelo lokukhetha, engagqibekanga usebenzisa scheme annuity.

Xa scheme annuity intlawulo yetyala kwiminyaka yokuqala 10-15 ngaphambi shedyuli, isixa inqununu akatshintshi kakhulu. Xa scheme neenkalo ungenza intlawulo yokuqala nangaliphi na ixesha. Kufuneka kuthathelwe ingqalelo ngononophelo olukhulu inkqubo yemali ezicetywayo ukubala zonke iingozi ngexesha elifanelekileyo. Enyanisweni, kule utshintsho into ezinokuzisebenza intlawulo yetyala.

Mboleko - indlela ngokukhawuleza ahlawule elo mboleko

Sebenzisa iinkqubo yekhaya awukwazi kuphela xa akunakwenzeka kwixesha elizayo ukuze ahlawule ityala. I-mboleko, ekhutshwe kwenye ibhanki ukuhlawula imali-mboleko lwangoku, ungakwazi kakhulu ukunciphisa ixesha intlawulo. Ingqalelo igalelo elibi kuphela ezinkulu ekukhutshweni kwemali na ukuvela amalungelo kule izindlu njengepropati akananto (Sec. 4 Ch. 6 "On mortgage" umthetho).

Xa umboleki wathabatha ekukhutshweni kwemali yayikukuze izindlu yomthwalo, ngoko ke kufuneka akwenze. Izindlu kunye mortgages, mboleko iza kusetyenziswa besibini. Ngokubanzi, lo mboleki, ukuba intsalela kwetyala yayo mortgage ayidluli 700 lamawaka engange, kungcono ukuba ekufumaneni yomboleki yeentengo zemboleko, kwaye uvale ityala eseleyo.

Bank of iimeko intlawulo yokuqala nezivumelwano zokubambisa

Phambi kokuba wenze intlawulo yokuqala ye-mortgage, kuyimfuneko ukufunda kwicandelo eli sivumelwano semali-mboleko, ukuqonda oko kuya kuba yinzuzo ngayo. Umthetho "Xa woKhuseleko Rights Consumer" yi inqaku ukusuka apho kulandela ukuba ibhanki ukuze athintele ngokupheleleyo umboleki ukusuka intlawulo yokuqala ye-mortgage, ekubeni inyhashe amalungelo abo njenge nkonzo. In Art. 810 of the Code Civil ithi ukuba umboleki unako ukuhlawula ityala phambi shedyuli, kodwa kwemvume otyalwayo. Oku kushiya ukuvula umbuzo wokuba ingaba ibhanki unelungelo lokuba ityala iintlawulo ezongezelelweyo mboleki uhlawule ekuqaleni.

Nenzululwazi kule sihloko iqulethe izisombululo abaxhamla zombini umboleki kunye endodeni. Ezinye iibhanki ifuna ukuba kubaboleki inyanga 1 phambi kosuku ekulindeleke ukuba intlawulo epheleleyo mortgage ngembalelwano ukuba azise nabo ngalo.

Ngaba kunokwenzeka ukuba ahlawule imali-mboleko eyinkunzi yakho koomama?

Inyathelo lokuqala ukulungiselela intlawulo yokuqala ye-mboleko kunye ngoncedo eyinkunzi umzali uya kungena ukuze iingxelo-mali yomhlalaphantsi ukususela umnini wesiqinisekiso. Iya nayo yonke idatha umnini, kwakunye uchaze oceba into yokuchitha imali. Esi sicelo kufuneka mabaqhoboshele amaxwebhu, ezibandakanya:

• isiqinisekiso for capital lokubeleka;
• umnikazi yokundwendwela isiqinisekiso;
• ikopi yesivumelwano mortgage le;
• Nceda ukusuka elunxwemeni, abonisa isixa inqununu inzala kwimali-mboleko;
• ikopi yesiqinisekiso sobhaliso karhulumente amalungelo ukuthenga ezithengiswayo;
• isibopho kubameli, apho ubolekayo linyanzelekile ukuba kulwabiwo isabelo wathenga yokuhlala abantwana kunye neqabane / w.

Ukuba mortgage kukhutshwe iqabane / gu umnini wesiqinisekiso, kuya kufuneka unikezele Ukongezelela ipasipoti yakhe kunye nesiqinisekiso somtshato.

Xa usenza i sigqibo yi Pension Fund zingaphelanga iinyanga-2 ukusukela kumhla wokungeniswa imali isicelo siya kudluliselwa kwi-akhawunti umthengisi. Le ndlela yenza kube lula ukuba basabele ngendlela elungileyo umbuzo wokuba ingaba uyakwazi ahlawule imali-mboleko eyinkunzi yakho koomama.

Kutsalwe irhafu kunye nezivumelwano zokubambisa

Ngoncedo lwe ukuxhuzulwa irhafu unokuba ngokungaphelelanga okanye ngokupheleleyo ukuyibuyisa imali-mboleko. Ngamnye abemi Russia banelungelo ukufunyanwa welifa ngokwenene ukwazi ukuba inxalenye kwakhona iirhafu ezihlawulwa ngaphambili. Le kubanjwe propati. Imali yetyala mortgage kuqikelelwa 13%. UMboleki uya kuba nelungelo ukuba kutsalwe irhafu, engaquki ngaphezu kwezigidi ezi-2. Engange.

Plan, lahlani & Gcina

Ukuba umboleki usebenzise iindlela ngasentla, kodwa iqhubeka kusithuthumbisa na umbuzo njani ukuze ahlawule imali-mboleko yakho ngokukhawuleza, unako kubhenela ngcebiso zilandelayo.

Kuyimfuneko ukuba ukuhlalutya ngenyameko ingeniso ngenxa kunye nenkcitho. Emva kokuhlolisisa iindleko zakho, kufuneka wenze isigqibo ngawo wena ukhethe ukuthumela imali nyanga nganye basindiswe ukuba bahlawule le mboleko. Umzekelo, ukuba ayeke ukusela ikofu kumatshini udle ukudla. Kwaye musa ukuthenga izinto ezahlukeneyo ezingeyomfuneko.

Noko kangangoko kunokwenzeka ukuze ahlawule elo mboleko ekuqaleni?

Enye yeendlela ukuba ahlawule imali-mboleko yakho ngokukhawuleza nje ukuba umsebenzi owongezelelekileyo. Uyakwazi ukwenza izifundo okanye uthethwano, ubhala iitekisi okanye umsebenzi wezandla.

Ke ukuba intlawulo yenyanga ukongeza omnye-10%, oko kunokwenzeka kwakhona ukuphendula kakuhle kumbuzo ukuba unako ukuhlawula imali-mboleko yendlu yakho kwakusasa. kufuneka nje ukwazi icebo, ngenxa neya kwenziwa iintlawulo ezichanekileyo ngakumbi kwi mboleko. Umzekelo, ukuba multiple mboleko (yomboleki yeentengo zemboleko, credit card), umboleki kufuneka kuqala ukuhlawula imali-mboleko encinane kakhulu. Kule meko intlawulo yenyanga kolu hlobo lwe-mboleko, kufuneka ufake-10% kwaye sukulibala ngezinye intlawulo. Ukuze uye ukusuka ezantsi ukuya phezulu. Emva kokuba ezinye iimali-mboleko iza kuvalwa kwaye apho kuya kufumaneka ngakumbi mali ukuba umboleki kufuneka ithunyelwe ukuze ahlawule elo mboleko. Oku kwanda kakhulu iya kusebenza ukhetho xa ahlawule imali-mboleko yakho ngokukhawuleza.

Ziziphi ukuze ahlawule imali-mboleko?

Loans eziliqela, loo mboleki kuya kuba ngcono ukuba ahlawule kuqala ezo mboleko apho ipesenti ephezulu yonyaka. Kufuneka kukhunjulwe ukuba zonke iimali-mboleko kufuneka ngokukhawuleza ngokupheleleyo ahlawule intlawulo yenyanga. Nqanda ukubunjwa fayini kunye nezohlwayo: ukuba iindleko ezingeyomfuneko kwaye, ngenxa yoko, ixesha kokulibazisa intlawulo yetyala engundoqo - mortgage.

Ukuhlawula le mboleko ezininzi "oluziindleko" kufuneka baqale intlawulo mboleko ezincinane koko kuphela, ukwalathisa yonke imali ekhoyo kwi extinguishment yemboleko.

Nge-inshorensi mortgage

UMboleki unyanzelekile ngumthetho ukuba inshorensi mhlaba uthengiweyo, kwakunye impilo kunye nobomi babo. Ngaba kunokwenzeka ukuba ahlawule imali-mboleko yakho phambi ishedyuli encediswa inshorensi? Njengoko ukhetho - u angasiphelisa isivumelwano inshorensi emva mboleko iye yatyikitywa. Kodwa ukwenza oku kufuneka kube kuphela kwimeko xa obolekayo uqinisekile ukuba emva eli nyathelo, ibhanki iya kufuna kuye intlawulo yokuqala mboleko. Kodwa ukuba phantsi kwemvumelwano akasinikanga intlawulo yokuqala isixa-mali esisashiyekileyo ityala, ukufuduka ndiya kunikhweletisa zebhanki kubaboleki ukuba ufake ibango enkundleni. Ku va kophulwa isivumelwano semali-mboleko.

Ekupheleni kwesivumelwano sentengo kuyimfuneko ukwazi kwangaphambili Ngexesha lekhefu umbolekisi kufuna mboleki ukuba inshorensi izakhiwo zabo. Ukuba isivumelwano sibonelela ukuba i-inshorensi kufuneka zikhutshwe ukulungiselela yonke ikota mboleko, awunako uphuphe kulo mzekelo, malunga noqoqosho.

Kodwa ukuba ikhontrakthi sicacisa ukuba ubolekayo unyanzelekile ukuba akhuphe ipolisi ye-inshorensi kanye, kuya kuba onjengawe ahlawule imali-mboleko yakho ngokukhawuleza.

I-inshorensi ukhutshwa okwethuba lonyaka-1 ukuya kwiminyaka emihlanu. Emva kokuphela imfuneko yayo lokuhlaziya umgca contract insurance. Kodwa ukuba ikhontrakthi ayitsho ukuba inshorensi kufuneka lokuhlaziya, obolekayo akulindelekanga ukuba enze njalo. Ngapha koko, akukho nto ezo uxwebhu ezisayiniweyo.