Intlawulo yokuqala mortgage: iimeko, amaxwebhu

Ukuba ugqiba ukuba Ungayihlawulwa-mboleko, kufuneka wazi zonke iinkcukacha lesivumelwano. Banks engeluncedo lwanto intlawulo yokuqala mboleko. Ngoko ke, bona namaxwebhu amiselweyo izithintelo.

intliziyo

Early ukuhlawula imali-mboleko kukuba imali ihlawulwe ngaphambi kwishedyuli. Kuthiwa ukuba epheleleyo xa umthengi esenza yonke loo mali ngoko nangoko. kwemali ekuqaleni Partial of nezivumelwano zokubambisa kuthetha ukwanda iintlawulo zenyanga ngamaxesha 2-3 (ngokuxhomekeke contract). Kwimeko yesibini, kunye nokuhla utshintsho kwishedyuli ityala Ungayihlawulwa.

schemes

Le akunakho ukuyibuyisa le ityala ngaphambi kwexesha kuxhomekeke kwinkqubo ngetyala: kukho Annuity okanye iintlawulo ngokwahlukeneyo. Ukuba ityala lihlawulwe wezixa ezilinganayo ngawo onke amaxesha, kwiminyaka yokuqala embalwa, phantse yonke imali aye ahlawule elo inzala. Ngoko ke ibhanki iya afumane inzuzo yakho ukunciphisa imingcipheko.

Okunye sivune umthengi i Udweliso iintlawulo ngokwahlukeneyo. Intlawulo yokuqala iya kuba nkulu kakhulu, njengoko iqulunqwe-mboleko kunye nenzala efumanekileyo eseleyo. Njengoko isixa sokuhlawula uya kancane kancane.

Ingenelo onetyala

Eyona ubenomtsalane umthengi i circuit umahluko. Umzimba ka-mboleko kunye nenzala ihlawulwa alinganayo. Akukhathaliseki zingaphi kweminyaka (3, 5 okanye 10) onetyala ufuna ukuvala i mboleko. Ke kuya kufuneka ukuba benze nje imali eseleyo.

Kwisikimu annuity lingaphantsi kwe iingenelo. Iminyaka yokuqala embalwa, phantse yonke imali aye ahlawule elo inzala. Ngexesha le Umxhamli kuya isigqibo ukuvala ityala, yena sele ihlawulwe uthumo enjalo, ukuba ukusungulwa imali eseleyo kwakuba ibhajethi usapho akuyi kuyisindisa.

Ukuba umntu onetyala kusekho nabuganga intlawulo yokuqala nezivumelwano zokubambisa (Sberbank, umzekelo), iziko lamatyala ekube-. Ngaphezu koko, kukho ezimbini amathuba:

• ukuba abathengi ukuba ukugcina kwikota yokuqala ka-mboleko, kodwa uya ukunciphisa iintlawulo zenyanga;
• kunciphise ixesha lesivumelwano, kwaye isixa mali iya kuhlala injalo.

mortgage lokuhlawula calculator afumaneka naliphi na iziko lamatyala. Wusebenzisele ukuba ukubala inani elisondeleyo sentlawulo, uze uthelekise amacebo ezimbini ngetyala. Kodwa wokubala kuthwalelwa phandle ngokuzimeleyo.

umzekelo

Umntu ufuna ukuba amalungiselelo mortgage ukuya engange million 1. isithuba seminyaka engama-20 (iinyanga 240.) kwi-12% ngonyaka. Okokuqala, siya ukuchaza ubukhulu intlawulo yenyanga kunye nenzala.

Ngokutsho scheme ngokwahlukeneyo:

1000: 240 = 4, 166 amawaka engange .. - umzimba mboleko.

Inzala ubalo lwenziwa yi phinda yentsalela umyinge wonyaka kwaye ukulaba ixabiso ngeenyanga ezili-12:

1000 0.12 x 12 = 10 lamawaka. Hlikihla. - isixa umdla.

Ngoko ke, lo zesixa sentlawulo standard yenyanga ukuba:

4166 + 10 000 = 14,166 amawaka. Hlikihla.

Ngokutsho scheme annuity:

1000 x (0.01 + (0.01: ^{(1 + 0.01) 240 -1)} ) = 11 011 amawaka Hlikihla.. - zesixa sentlawulo annuity, apho:

• 0.01 = 1:12;
• 240 - inani leenyanga abonge.

Kuba kuthelekiswa, siya ukubala icandelo inzala intlawulo yokuqala:

1000 0.12 x 12 = 10 lamawaka. Hlikihla.

E. Of 11 011 lamawaka. Hlikihla. Ngenyanga yokuqala engange 1011 kuphela. Kuza kwabelwa lokuhlawula imali-mboleko, kwaye abanye - inzala.

Emva kweminyaka eli-10, umthengi uya kuhlawula ibhanki: 11.011 x 120 = 1321, 32 amawaka engange ..

Esebenzisa xesha elinye scheme neenkalo umthengi uya kuhlawula ngenyanga nganye:

4,166 + (1000 - (4.166 x 120)) ka-0.12 x 12 = 9.167 amawaka Hlikihla..

intlawulo yokuqala mortgage, leyo wasebenzisa Udweliso ngeentlawulo ngokwahlukeneyo, sikwancedela kuphela kwisiqingatha sokuqala kwekhontrakthi. Kunye nokuncipha, inxalenye enkulu nzuzo uhlawule iminyaka, isixa sentlawulo.

bokuqonda

Njengoko yokwenza ubonisa, ukuba ubolekayo ulindele ukuba Ungayihlawulwa mortgage, akafanele kuphela ukukhetha ilungelo inkqubo engcono, kodwa ukwenza isixa esikhulu ngenyanga.

Inzuzo kuphela xa imali ukuba umboleki uza kusebenzisa imali kuba mzuzu amenzele imbuyekezo eziphezulu ngokutyala, umzekelo, imali okanye enye impahla. Igalelo kungaba kuhle ukuba kota mboleko yiminyaka-25 okanye ngaphezulu, ekubeni intlawulo yenyanga iza kuncipha kancinci.

Inkqubo yokwenza imali

Emva kokuba umboleki ugqiba ekubeni intlawulo yokuqala mboleko kwi-Savings Bank, kuyimfuneko ukuba isigqibo ngendlela yokwenza imali. Lilungile ukuhlawula ngezavenge ngenyanga kwinqanaba eliphezulwana kunelo wambi ukwenza isixa amaxesha amabini okanye amathathu. Kodwa, kuqala, umthengi akusoloko kuba negalelo elinyiweyo. Okwesibini, iibhanki ngokwabo wayezenzela imiqobo. Umzekelo, thatha ngentlawulelo kuphela ekuseni ngomhla Ukutsalwa, zifuna pre-isicelo sokutshintsha schema. Ukuba mboleki ajike, koko kuya kufuneka ukuba uhlawule isohlwayo. Ngoko ke, isisombululo sale mbuzo ixhomekeke ekubeni umthengi ufuna inyanga ukubhala isicelo, yiya ebhankini isicwangciso esitsha yakuzixhalisa malunga neendleko ezingalindelekanga , njalo njalo. D.

mortgages Ukubuyisela capital koomama

Umthetho ubonelela ukusetyenziswa matkapitala ukulungiselela ukuthenga okanye ukwakhiwa izindlu. Ezi mali ke wachitha ukuhlawula phantsi intlawulo yenqununu okanye inzala. Kuba obolekayo scheme ezingaginyisi kuqala. Okokuqala, asinguye wonke ibhanki kuthatha matkapital njengento kwangaphambili, yaye okwesibini, ukunyuka kwezinga lenzala ngeenkqubo ezinjalo. Yayifudula ukuba xa umxhasi akakwazi ngokuzimeleyo ukwenza intlawulo phantsi, ngoko engenakuhlawula matyala okanye ayithembekanga. Namhlanje, iibhanki benza umnyinyiva, kodwa ngaphezu inshorensi imingcipheko zabo.

Amaninzi imali karhulumente uhlawule imali eseleyo. Dlulisa imali kwi-akhawunti umdla iyavakala, ukuba Mhlawuli akahleli ukuze abuyisele le ngaphambi amboleke kwishedyuli. Kulo mzekelo, kunjalo ngeendleko matkapitala pay ikhomishini, ukunciphisa izavenge zenyanga.

Ibhanki kufuneka ukuba unikeze la maxwebhu alandelayo ukuba ukuhlawula imali-mboleko:

• ipaspoti;
• isiqinisekiso ukuze matkapitala;
• ingxelo ye kwemali mboleko.

umqeshwa ibhanki iya kukhupha isatifikethi, equlethe ulwazi malunga imali eseleyo ityala kunye nenzala, ubungqina bobumnini obulolo.

ingxowa-mali yomhlalaphantsi makanike imvume yawo nokuyibuyisa mortgage capital koomama. Ukuze wenze oku, kufuneka uqokelele zingenise amaxwebhu efana:

• yokundwendwela umntu onelungelo lokufumana imali karhulumente;
• isiqinisekiso;
• imiqulu engqina isibophelelo ukuyibuyisa le mali: ikhontrakthi yemali kunye nesiqinisekiso esivela ebhankini;
• isatifikethi ubunini indlu, isivumelwano yentengiso;
• ingxelo kwi PF ngeminqweno yomboleki ukudlulisela imali ekuhlawuleni imali-mboleko;
• namanye amaxwebhu ngokufunwa.

igosa PF kufuneka akhuphe irisithi amaxwebhu ze uphawule umhla wakhe ukwamkeleka. Ngexesha nyanga uya kwenza isigqibo ukukhutshwa kwemali ebhankini okanye inkunkuma.

I-inshorensi

inkqubo inshorensi mortgage efunekayo luxanduva wayo nayiphi na ipropati, yaye ngamanye amaxesha zombini. Emva kokuphela kwalo mboleko phambi kwexesha umxhasi unelungelo lokufuna imbuyekezo kweendleko zeenkonzo. Imvumelwano inshorensi unako kupheliswa kunye yokuhlala ngaphambi ishedyuli (ukuba akukho ngokuchasene neemeko ezibolekisa), ukuhlawula isohlwayo enkulu. Ngoko ke intlawulo yenyanga iya kuncitshiswa yi-mali ka-inshorensi.

mboleko

Le umxhasi angafaka isicelo kwenye ibhanki, ukuze sivuselele mortgage: ukutshintsha indlela ukubala, elithi inkqubo, umyinge kunye nezinye iimeko. Ukutshintsha umbolekisi akuthethi ukususwa encumbrances. Le ndlu iya kuhlala isibambiso, kodwa kwelinye iziko. Nangona bobubi ezicacileyo (uqokelelo iseti entsha yamaxwebhu, yokuhlaziywa isivumelwano, iimali ezongezelelweyo), le ndlela kufanelekile, xa umxhasi unqwenela ukutshintsha inkqubo lokuhlawula mboleko nomtsalane ngakumbi.