Ingaba i-inshorensi mortgage iyafuneka (Savings Bank)?

Abantu abaninzi elizweni lethu ufuna ukuthenga indlu ngoncedo-mboleko. Ngokuqhelekileyo, izinto zabo, nokuba kunye inshorensi mortgage kwi Savings Bank efunekayo? Ukuze ufumane inkcazelo engakumbi kule nkonzo iza kuxutyushwa kweli nqaku.

iintlobo ze-inshorensi

inshorensi mortgage Sberbank na iintlobo-2:

• ubomi kunye nempilo;
• impahla.

Uhlobo lokuqala lenkonzo akujongwa inyanzelekile, kodwa ukwala ukunyuka kwezinga mboleko. Insurance mortgage Sberbank inyanzelekile. Ukuthenga impahla, umxhasi ayithumele njengoko wammela ixesha ukuba isivumelwano luyasebenza. Ngoko ke, ukuba phezulu inshorensi kwi-mboleko kwi-Savings Bank iya kusebenza. Inshorensi sikhutshiwe ukuba into ethengiwe.

ukubhalisa

Insurance ekhutshwe ekupheleni kwesivumelwano sentengo yemboleko. Ukuba ufuna ukuhlaziya i-nkqubo, ungenza njalo kwi-website ye-Savings Bank. Kukho iimveliso ezimbini enokusetyenziswa abaxhasi:

1. "Obolekayo Protected Online".
2. "Umgca inshorensi Mortgage."

Lo mgaqo-nkqubo wokuqala ukhuseleko imingcipheko yempilo yelahleko okanye kukuyeka ebomini. Nowesibini yenzelwe ukukhusela nxamnye ilahleko, umonakalo kwempahla, engundoqo.

I "Obolekayo Protected Online"

Ukuze odola le nkonzo:

1. Ndwendwela kwisiza Savings Bank;
2. Ndwendwela "ngeishorensi bona ipropati" candelo;
3. Kufuneka ufumane inkonzo ixhume.

Phantsi kwale program, wayisithelisa iingozi zamaqela ukukhubazeka 1 no-2, kunye nokufa. Isixa imali elingana kwimali-mboleko, ekufuneka ihlawulwe. isenzo nkqubo kunyaka-1.

I "Mortgage Insurance Online"

Umgaqo-nkqubo yale nkqubo sandisiwe kwisiza. Ukuze wenze oku, fumana icandelo olufanelekileyo uvule le nkonzo. Ekubeni babugubungela umngcipheko izibambiso into:

• ezindongeni;
• ngodonga;
• iifestile;
• emnyango;
• nophahla.

Ipolisi ye-inshorensi reimburses intlawulo kwi:

• emlilweni;
• kuqhuma igesi;
• a umbani strike;
• iintlekele zemvelo;
• izenzo ezingekho mthethweni kubantu besithathu.

Igama elithi yalo mgaqo-nkqubo esebenzayo ukwenzela unyaka-1.

iinkampani ze-inshorensi

Ukuba mortgages inshorensi Sberbank, liqinisekisiwe imbuyekezo epheleleyo njani kwisiganeko inshorensi. Iinkampani ze-inshorensi kuqaliswe lweshishini "Savings Insurance."

Abathengi ungakhetha enye iinkampani 17:

1. "VTB Insurance";
2. "Ingosstrakh";
3. "RESO-Guarantee";
4. "Absolute Insurance";
5. "Rosgosstrakh".

inkqubo nganye inikeza yawo, lwenza amabango ukuba abathengi. Le mvumelwano yenziwa kwi Savings Bank, emva koko inkonzo uqala ukusebenza. Kwimeko-inshorensi, inkampani nganye kuqinisekisa intlawulo yomonakalo.

engozini accounting

Kuba iziganeko insured ziquka:

• umonakalo kwiziko;
• ubusela;
• emlilweni, kuNogumbe;
• kuqhuma igesi;
• intlekele yendalo.

Ukuba ipropati ibhuqiwe ngokupheleleyo, kukho intlawulo epheleleyo ye-mboleko. Umatshini umonakalo buso. Isixa coverage imiselwe ngamnye.

iimeko

Imigaqo-inshorensi zixhomekeke kwinkampani. Ayizizo zonke iibhanki imigaqonkqubo yavuma. Kubalulekile ukuba lungena zonke iimfuno endodeni. Savings Bank isebenza kunye neenkampani egubungela imingcipheko eqhelekileyo. Oku kukuvumela ukuba uqiniseke ukubuyisela imali.

Sberbank kwisiza uyakwazi ukufumana uluhlu eenkampani benza inshorensi. Kulo mzekelo, umboleki kufuneka banyanzelise kwi-inshorensi, kunye nabo isivumelwano. Umxhamli bangakhetha inkampani.

Iinkcukacha zalo mgaqo-nkqubo

Phambi inshorensi mortgage ziya kukhutshwa kwi Savings Bank, kubalulekile ukuba sinikele ingqalelo imiba ebalulekileyo:

• isixa coverage - on isivumelwano standard kulindeleke imali elingana egqithisileyo-mboleko;
• isayizi yenkampani imali - i kubaboleki ye-Savings Bank ecetywayo omnye rate - 0,15% yexabiso yepropati;
• ixesha action-nkqubo - ngokuqhelekileyo lilingane ixesha lesivumelwano;
• iimeko isongezo - ezinye iifemu ukuba ukunyusa izinga lenzala emva kosuku 1;
• intlawulo yokuqala - ngokuqhelekileyo imali ebuya intlawulo ngaphambi-mboleko. Ukuba olu lwazi ayikho kule mvumelwano, ngoko imali kusenokuvela xaka.

Zoba up inshorensi kufuneka ukuba bonke kuphela nemiqathango isuti. Uyacetyiswa ukuba uwazi imithetho mveliso ezininzi ukukhetha ilungelo.

Yintoni efunekayo?

Into efunekayo, ke kuye asinikezwanga indlu inshorensi i-Savings Bank? Nokuthathelwa indawo ngale nkonzo senziwa ndawonye. Ukuze ufumane i-nkqubo, kufuneka ipasipoti isivumelwano sentengo yemboleko, kuthethwa ixabiso zokuhlola se-propati. 2 amaxwebhu zakutshanje ulungise inani le nkqubo. Ubungakanani insurance premium banazo:

• nemeko kwipropati;
• ixesha lesivumelwano-inshorensi;
• inani iingozi.

iindleko

Yimalini inshorensi imali-mboleko kwi-Savings Bank? Ixabiso ixhomekeke imeko kwipropati kunye neendleko indlu. Phakathi izibalo Specific zenziwe kubo bonke abathengi.

Kukho ukhetho 2 iinketho:

• lo mgaqo-nkqubo nathengwa ngexabiso epheleleyo kule ndlu;
• nkqubo zithengwa ukuba imali ofuna uhlawule ibhanki.

I-avareji ye 0,225% yale mali-mboleko. Umzekelo, impahla exabisa 3 million engange, intlawulo yokuqala engange kwesigidi esi-1, kwaye umgaqo-nkqubo zithengwa ngethuba ityala, ngoko ngo-4500 engange iya kuxabisa inshorensi ne-mboleko kwi-Savings Bank. Ixabiso loxwebhu kukuba malunga efanayo kunye namanye amaziko.

Polis ibe semthethweni kunyaka 1. Xa sebuphelile, kunokwenzeka ukuba ukusebenzisa ulwandiso okanye ukwenza uxwebhu olutsha kwenye inkampani. Owalenza ngoncedo ekwenzeni igalelo yonyaka. Xa kungekho zezibonelelo zeinshorensi.

ukubuya

Umboleki unelungelo lokuba ukubuya iintlawulo ezenziwe ekuhambeni kwexesha, ngaphaya kwexesha le-mboleko. Kulo mba, kukho ezinye ubuqili:

• ukuba umgaqo-nkqubo esebenzayo iinyanga ezili-11 okanye ngaphezulu, yonke imali iya kubuyiselwa imali;
• ukuba mboleko liyavuzwa, kwaye umgaqo-nkqubo lisemthethweni nesiqingatha ixesha, umxhasi ufumana isiqingatha insurance premium;
• ukuba inxalenye enkulu eli gama le nkqubo udlule, uze ubuyele imali akwenzi ngqiqo.

Indlela ukubuyisela i-inshorensi mortgage Sberbank? Kuyimfuneko ukuba isicelo, befaka ingxelo yebhanki malunga ukungabikho ityala. Imali eya kukhutshwa kunye ne-inshorensi yobomi, yempilo.

Ubomi nempilo-inshorensi

inshorensi yobomi ne mortgage Sberbank ayikho imfuneko. Kodwa ngokuqhelekileyo abasebenzi nimane kwiinkonzo kuyilo ukunciphisa ingozi non-ukuhlawula ityala. Ukuba i-inshorensi akafuni ukuphumeza, izinga liphuma-1%.

inshorensi yobomi ne mortgage Sberbank kubandakanya ukumisela umthwalo mali ezongezelelweyo, ngaphezu kwama-inshorensi impahla ezinyanzelekileyo. Kodwa ngenxa yokuba zalo eziluncedo wenkonzo uthathwa ukuba zingathengiswa.

Yintoni i-inshorensi yobomi nempilo?

Lo mgaqo-nkqubo uqinisekisa kukubuyisela imali ebhankini kunye nelahleko lwempilo kunye nokhathalelo yobomi. Ngenxa yokuba mortgage ukhutshwa ixesha elide, Savings Bank ikhusela ngokuchasa eziyingozi. Iklayenti, lo mgaqo-nkqubo kuthathwa ukuba isiqinisekiso sokuba xa iingozi yezibophelelo yamatyala uya guarantors kunye nezalamane kudlula, njengoko ityala ihlawulwa isayinelwe ishishini inshorensi.

Ukuba obolekayo akakwazi okwethutyana ukusebenza, ityala lakhe kwakhona ehlawulwa yinkampani. Phezu ukurhoxiswa kobhaliso ezinjalo ukunyuka kwezinga nkonzo. Uluhlu obungozi ziquka:

• ukufa;
• nokukhubazeka;
• ukulahlekelwa umsebenzi.

"Savings Insurance" uqhuba le nkqubo ilandelayo:

• inkqubo eqhelekileyo - 1,99%;
• ezempilo kunye umsebenzi ilahleko - 2,9%;
• Ukukhetha oluzimeleyo parameters - 2.5%.

inshorensi isihloko

Sberbank wanikela inshorensi isihloko, nto leyo ibandakanya inshorensi amalungelo obunini. Ukuba umxhasi akayihlawuli imali-mboleko yezindlu, ndayihluthwa amalungelo kuwo, ngoko zonke izibophelelo eziphathekayo phantsi intlawulo yetyala uthatha insurer.

Umboleki, owathenga igumbi mortgage, ndayihluthwa amalungelo obunini kwiimeko ezininzi:

• kukho iimpazamo kumaxwebhu, ngenxa yokuba yintoni deal uyarhoxiswa;
• bafumanisa abanini bamalungelo ezintsha, ogama umdla azithathelwa ngqalelo kuyilo kwesivumelwano;
• umntu egameni lakhe intengiselwano ngokusesikweni, zibonakaliswa lumenze;
• imisebenzi babesebenzisa zenkohlakalo.

Ubhaliso-inshorensi isihloko esifanelekileyo ngakumbi ukuba izindlu lesibini, ngenxa yokuba izakhiwo abanini zokuqala kubaboleki. Izinga yenkonzo 0.3-0.5%.

imiqulu

Insurance mortgage Sberbank eMoscow kunye nasiphi na esinye isixeko senziwe igatya luhlu lulandelayo lwamaxwebhu:

• isicelo;
• ipaspoti;
• isivumelwano sentengo yemboleko.

Ngamanye amaxesha kufuneka anike isivumelwano sentengiso.

Ubuhle nobubi

Inshorensi iingenelo zilandelayo:

• ukwandiswa ngokusebenzisa site;
• Akuyomfuneko ukuba ukundwendwela ibhanki kunye kwinkampani ye-inshorensi, njengoko yonke imisebenzi yenziwa ngokuzimeleyo yi-inshorensi;
• nkqubo ikhutshwa elektroniki;
• ixabiso le nkqubo kuxhomekeke kwimali setyala;
• ngamaxabiso amahle;
• transmission enokuthenjwa yolwazi;
• uyakwazi ukubuyela insurance premium.

Le miba ilandelayo ingadibani minuses:

• nini ukuba akhuphe inkonzo mortgage oko kuyimfuneko;
• nangona i-inshorensi yobomi kunye nempilo akujongwa inyanzelekile, umlinganiselo kwi-mboleko kwimeko ukusilela kwayo linyuke nge-1%;
• lo mgaqo-nkqubo kunyaka-1, emva koko kufuneka ulwandiso;
• ukwandiswa xwebhu kunye nemali yokuhlawula 1.5 million engange akayi ukwenza intanethi;
• iindleko ezongezelelweyo.

mboleko mortgage

inshorensi Mortgage lugubungela zonke iinkqubo ezifundiswa liSebe Savings Bank:

1. Mortgage ngenkxaso karhulumente. Ukutshintshelwa lokuqala ubuncinane ama-20%. Ixesha elilelona yiminyaka engama-30. Le egqithisileyo uya kuqeshwa ngamnye, kodwa 11.4%. IKhomishini kunye kunikezelo mboleko leyo belingekanyuswa, kodwa kukho i-real estate iindleko apreyizali.
2. Ukuthengwa ndigqibile yokuhlala. Loo mboleko sikhutshiwe kunye nokuthengwa imarike zasesekondari real estate. Imali ezikhutshwe amawaka 300. Engange kwi ngomyinge wenzala we-12.5% kunye ixesha elingekho ngaphezu kwama-30 iminyaka. Ubungakanani intlawulo yokuqala kumiselwa izinto ezininzi, kodwa hayi ngaphantsi kwe-15% yeendleko kwezindlu. Ehlawulweyo isavenge sokuqala eyinkunzi umzali.
3. Ukuthengwa zezindlu ezakhiwayo. Imigaqo-mboleko phantsi kwale program ibandakanya ukubonelela kwemali yokuthenga izindlu ezintsha. kwexabiso layo, ngokunjalo kunye nokufunyanwa iziko, lingana 300 lamawaka. engange. Izinga Ubuncinane ilingana no-13%. Ikhutshwe mortgages ukuya kwiminyaka engama-30. Intlawulo yokuqala lunokwenziwa ngeendleko eyinkunzi umzali.
4. zokwakha ngamnye zendlu. It ukhuphe mboleko wamawaka 300. Engange nge-13.5%. Intlawulo yokuqala yi-30% yeendleko kwezindlu. It yakhupha mboleko ukuya kwiminyaka engama-30.
5. Nokuthathelwa indawo ukwenzela ukwakhiwa okanye ukuthenga indlu lizwe. I Isavenge sokuqala yi-30%, kwaye kwisithuba nokungeniswa - engama-30. Isixa - amawaka 300 engange ..
6. Mortgage Military. Ikhutshwe yi emkhosini. Le mali ayikho ngaphezulu kwe-1 million 900 namawaka. Engange. Izinga yi-12.5%.

Ngu neemfuno ziquka imbuyekezo engama-21, yaye ngexesha lokuba uyabuya kufuneka ibe ezona engama-75. Kufuneka ube amava emsebenzini kwiinyanga ezi-6. Kuyimfuneko ukuba umeme co-kubaboleki - up ngabanye-3.

Sokubhalisa nezivumelwano zokubambisa kufuneka incwadana yokundwendwela, ifom yesicelo, ubunini, isatifiketi sobhaliso isihloko. Kufuneka kwakhona uluvo nengcali evaluation kunye nexabiso into, cadastre kunye nezatifikethi zobugcisa. Kunye nokubhaliswa kwesivumelwano mortgage yenziwe-inshorensi. Kodwa ukuba inshorensi mhlaba enyanzelekileyo, ubomi nempilo Kukhethwa Isicelo yomboleki. kwandisa iindleko eziphathekayo kunye nezi nkonzo. Ngoko ke, kufuneka ziqwalasele ngenyameko ukuba amathuba zemali ukuhlawulela iinkonzo ezinjalo.