Mboleko yezindlu Mortgage: omsebenzi osemqoka, iimeko kunye neemfuno. Uhlenga-mboleko mboleko yezindlu

Kwiminyaka embalwa edlulileyo, phakathi kwezinye iinkqubo zokubhankisha imfuno kubemi ngokubanzi kwi ndawo yokuqala kushiya ngokuzithemba mboleko mboleko ekhaya. Oku akumangalisi, kuba nabani na ukuba akukho baphupha lophahla phezu kwentloko yakhe, yena lowo per se, ufuna ukufumana izandla zabo phezu square ngakumbi metres. iinkqubo Banking nga kuguqula ubunyani amaphupha isithuba ephilileyo, ngoko umthamo mboleko mboleko yezindlu ezikhula ukusuka komnye unyaka ukuya komnye. kodwa washiya elininzi abantu abayaziyo malunga nemithetho ye-mboleko kuphela ngamabali abanye abantu abahlobo neemposiso eluntwini.

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Ukuze ukunika umphakathi amathuba okuba lwezindlu, iintlobo lweenkqubo, ezifana ngokutsha yezindlu mboleko mboleko zaziswa. Amanye amaziko zebhanki anika zahlukile enye kwenye, kodwa kunokuba sisihle iimeko. Urhulumente inceda ukuba iibhanki ukuba asebenzisane nabantu phezu mortgage, elikomkhulu umzali. Kwinqanaba ichaze, iprojekthi apho abemi Russian banethuba yokuthenga indlu phezu ngokwemimiselo kakuhle ngakumbi.

Urhulumente sele uphumile umbuzo ayiphendulwanga. umzimba kwamiswa, esebenza kunye namaziko zebhanki. Libizwa ngokuba AHML - Arhente lweZindlu Mortgage nokuboleka. Ukongeza kwakhona isebenza Agency for noHlenga-mboleko mboleko zokuhlala. Kukho izakhiwo zemimandla, amaziko mboleko ezahlukeneyo. Konke oku kuvumela abantu ukuzukiswa ngenxa izindlu namhlanje, nentembelo kwixesha elizayo nokuba baya kukwazi kubuyekeza mna, nokuba imeko yezoqoqosho iza kutshintsha.

Zangoku nezexesha elizayo

uvavanyo ngoku eyiyona kwimarike mortgage i e-Russia - malunga $ 400 million, kodwa amathuba ophuhliso ubuncinane ukuya kwinqanaba $ 30 ezigidi! Oku kuthetha ukuba iimeko uncedo lwenkqubo abantu baya kuba nomdla ze nezivumelwano zokubambisa, ngakumbi nangakumbi. Banks, ke, unokukhangela phambili ukwandisa umthamo kwiintengiselwano.

Statistics Ngokucacileyo kubonisa ukuba mortgage - oku yeyona elamkelekileyo, indlela sengqiqweni ukuthenga ekhaya. Oku kusebenza kuzo zonke, ngaphandle kokukhetha, imimandla yelo lizwe. Kukhuselekile ukuba bathi, ngaphandle mboleko mortgage ikhaya Sberbank iintsapho ezininzi abo abe uphahla phezu kwentloko yam ngoku, akubanga nakho ukuhlawula isondlo ukuba utyando kuphela kuthetha of self-sokuzuza kweglasi imbiza eqhelekileyo.

Mortgage: a ilikhubalo lokunyanga zonke izigulo?

Nangona inkqubo yangoku ngokutsha kwezindlu mboleko mortgage, Nentabalala ibhanki inika iimeko elilungileyo ngokwenene inani leenkampani zemali ezithembekileyo, iingcali ndiyanibongoza ukuba silumke. Yinto kuthathwa mortgage ukhetho kuphela zokusombulula le ngxaki yezindlu.

Ukusuka kwindawo ngembono ezinye izazi, imveliso kuphela engcanjini imarike yangoku kunye nokwenziwa kwayo isakhiwo ngakumbi kakuhle kuya kunciphisa umahluko phakathi ingeniso kunye neendleko abemi square metre nganye. Tsalela nge mboleko mortgage zokuhlala kunye nezinye iinkqubo zenza isiseko emarikeni enjalo eluntwini elitsha. Ukuthambekela mboleko ophuhliso lwezindlu eRashiya kwiminyaka yakutshanje, lilonke ukwanelisa iimfuno zezi abaphengululi, kodwa inezithuba ukuze zikhule. Ngokwenene inkqubo ngempumelelo iya kuba xa imeko yezoqoqosho kweli lizwe uzinzile.

Ubunzima neengxaki

Kutheni ngononophelo nezivumelwano zokubambisa akakwazi ukusombulula ingxaki izindlu kwikhaya? Esona sizathu - ku xenga kwezoqoqosho. In Russia akukho akukho kuqiniseka ngokwaneleyo yenkundla yomthetho, inkqubo, zebhanki. Nanamhla oku, inzala phezu iinkqubo mboleko isibhakabhaka-phezulu, kwaye kwamalungelo aqinisekiswe izindlu kuba akukho namnye. eneneni Amaxabiso necandelo lezezindlu lentelekelelo uyazimela uqoqosho kazwelonke. Ezinye iingcali ukubheja kwinqanaba elinye ngokwenkqubo yesikweliti, njengoko kakhulu elula, olusebenzayo, esetyenziswa zokwenene ekhoyo. Iimpawu zaso - ngaphandle ukhuseleko, elula umthetho osebenzayo.

inkqubo uncedo malunga nezivumelwano zokubambisa ibeyinto inkxaso kubalulekile kwinkqubo zebhanki kunye nabantu abaqhelekileyo akafuneki uphahla phezu kwentloko yakho. Ngaba uncedo, leyo, uhamba kunye mortgage ixesha elide iza kuba zizeyeyona nto ibalulekileyo lwenkqubo kwi kuluntu ekujoliswe kuzo. Kodwa ngenxa yale njongo imithetho yelizwe ofuna ukubandakanya izinto zilawulwa ngokucacileyo mboleko mortgage, imiqathango kunye neemeko, kuquka malunga kumacandelo oluntu olunabantu zithathwa ngokungakhuselekanga ekuhlaleni.

Laveka kwaye kubalulekile

Eyona ndlela isebenzayo yokuba uphuhliso lorhwebo kwezindlu - i uncedo ekujoliswe. Iingcali zithi ukuba kuyimfuneko ukwazisa iinzuzo ezintsha ukuvumela ukuba bafumane imali-mboleko okanye ndokuhlawula phezu ngokwemiqathango lula, kuyimfuneko ukwazisa iinkxaso kunye mboleko zoMqulu lula umsebenzi indoda esitratweni ukuhlawula amatyala.

Khangela izindululo ezifanelekileyo ngeenjongo zokukhuthaza imveliso mboleko mortgage zokuhlala ngokusebenzisa inkqubo yerhafu. Abanye unikele yezenzo zeentengiso kokonga imali yaye ukhuthaze abo badla ingakumbi ukujongana nayo ekuhlaleni. Okokugqibela, kufuneka ukuphuhlisa abemi eziliqela iinkqubo mortgage siboleka ukukhetha ezifanelene nabo kakhulu. Kuphela urhulumente amandla ukucinga, ukuba asebenze nokuphumeza konke oku kungentla.

Mortgage yokubolekisa: kuya kuba lula

Unako ukubala kwi inguqu kwi imeko ukuthengwa mboleko yezindlu, ukuba sinako ukuvuselela imfuno iimveliso zebhanki kule ndawo, apho kufuneka ixhaswe ukhetho olwaneleyo indawo kwimarike real estate. Kwinqanaba ichaze kuyimfuneko ukuze kuphunyezwe inkqubo yolawulo lomngcipheko nokuphucula imithetho yerhafu karhulumente. Yonke loo nto, uhamba kunye nokufumaneka yokwanda kweenkqubo mortgage kuba abantu ngokubanzi iya kwandisa imfuno kunikezelo iinkampani zemali.

iingcali Estate Real Market bathi yimpumelelo kakhulu iza kusetyenziswa (kwaye sele), iinkqubo ezizodwa ngetyala ezijoliswe kumaqela elincinane labantu. Umzekelo, oku mortgage zomkhosi okanye iintsapho abaselula kunye nabantwana, abo ebekumele ukuba capital lokubeleka. Ngokuphathelele yokugqibela, kodwa ngumba kunokuba impikiswano. Le nkqubo ingcamango wawo, kodwa ukuphunyezwa kwayo amagqabi kangako. Kuyimfuneko ukwazisa iqela kokunciphisa kwimithetho ekhoyo, eya kwenza kube yimpumelelo ngakumbi.

Bow ematyaleni, ukusindisa iblukhwe yokugqibela

Kwiminyaka yakutshanje, ngakumbi kwaye kaninzi kwenzeka ukuba mortgage intsapho yi onzima. Ngokomzekelo, enye inkosikazi ulahlekelwa umsebenzi wakhe yaye ixesha elide awukwazi ukufumana entsha, kodwa ikhredithi sele elithabathile kwaye iintlawulo kufuneka zenziwe ngexesha. Musa ukungena ematyaleni kusala ngaphandle penny (okanye ngaphandle uphahla phezu kwentloko yakhe) ingaba, ukuba usebenzise inkqubo ngokutsha mali-mboleko. Isebenza kuphela kubathengi beebhanki, abanjiswe nemeko enzima ngokwenene.

Ngenxa ngokutsha uyakwazi ukugcina uphahla phezu kwentloko yakhe, lo gama ukunciphisa isixa sentlawulo ngenyanga nganye. Ungafumana ukufikelela kwiiprogram ezixhaswa ngemali, okanye ukuthengisa indlu yemali leyo yajika kubiza, bazithengele into enganeno. Kubalulekile ukulondoloza umgangatho imbali yekhredithi.

Indlela yokusebenzisa?

Ukuze umkhwetha ngokutsha, kuyimfuneko ukuba isicelo inkampani wokukhutshwa okanye mveliso umlamleli sokubambisa (Realtor). Ukhetho lokuqala kubonakala ukuba oluthembekileyo ngakumbi, kodwa hayi naluphi na uhlobo lwesakhiwo zemali ukulungele ukuhlangabezana client. Eyona nto kunzima ukufumana refinance xa igumbi zibiza kakhulu ukuba athengise ufuna ukuthenga into enganeno.

Intsebenziswano kunye Umlamli ibe lula, inzuzo ngakumbi kwaye zitshiphu. Arhente kuhlolwe izindlu, kholosa ukuba ixabiso izindlu idlula imali yetyala, abakulungeleyo ukuthenga banike into umthengi enganeno ukusuka kwisiseko sayo. Kulo mzekelo, umthengi kungathatha mboleko engcono sokubambisa phantsi ikhaya elitsha, okanye ukuhlawula ukusuka imali zabo, ukuba kunokwenzeka. Oko kukuthi, xa ukhuseleko uphahla phezu kwentloko yakho, unga nciphisa ngokubaluleka umthwalo iintlawulo zenyanga.

inikeza yebhanki: ngokutsha

Ziziphi amacebiso ukulindeleyo abaqeshwa ebhankini, ngokuqhagamshelana imali ezinika ukuthenga inkampani izindlu? I ukhetho lokuqala - kukunciphisa isixa sentlawulo yenyanga. Oku kwandisa ixesha lokuhlawula imali-mboleko lube lukhulu lo egqithisileyo kwinkqubo.

ninzi iibhanki ezikunika credit iholide. Eli gama libonisa ukuba isigulana eso ekuvunyelwene ngazo ixesha kwangaphambili uhlawula kuphela umdla mboleko. Noko ke, apha imeko efanayo - elo xesha sandisiwe, ebangela ukunyuka egqithisileyo.

Okokugqibela, i-mboleko inganikeza. Oku kuthetha ukuba umntu ofumana imali-mboleko entsha, imiqathango leyo nto ilunge ngaphezu kokuba le yangoku. Loo nkqubo ingacelwa kuphela ebhankini, kodwa icala. Zifunyanwa ngokusebenzisa le nkqubo iya kuthunyelwa-mboleko yokuqala, acime kwaba kanye emva koko ngokuthe ngcembe ukuhlawula ityala elitsha.

Banks: a lot of iinketho

Ukongeza kwezi nkqubo iyazihlengahlengisa, kukho ezinye iingcebiso, sivumele umthengi ukuba ahlawule ityala ngendlela lula. Umzekelo, xa imeko yezoqoqosho iyahlozinga kwaye lukhatshwa esomeleleyo ngeso lwemali kumahlandinyuka, ibhanki masifundise ezi umxumi ukutshintsha lwemali mboleko. Kunye nenqubo eyiyo, oko kuyanceda ukunciphisa intlawulo.

Ezinye iibhanki ukususa iifayini, izohlwayo, uxolele iimali ethe ngenxa kweentlawulo emva kwexesha. Unga kwakhona Ungayihlawulwa inkqubo yemali. Kulo mzekelo, umthengi igcina phezu overpayment, kodwa inkululeko ekuqaleni akayi kuba nako ukubhenela, ukuba iimeko - ngamandla majeure.

Agency: zonke yokulandelana nezinto client

Iinkampani Realtor kuzuza abantu aye ngqo kubo, ke ngoko, kwezi mveliso benza konke okusemandleni ukuze atsale abo banqwenela ukuba ahlawule elo mboleko mortgage, ngokubuyisela indlu into enganeno.

Xa ngokuqhagamshelana Arhente kufuneka ukudibana kunye neengcali. Baya bazakuyivuyela yokuhlala, aya kuba isiphelo esemthethweni, ngokusekelwe apho nkampani isigqibo ingaba ingxaki yendlu okanye Kungumngcipheko kakhulu ukuba bazibandakanye. Ukuba uqikelelo lingaphezulu isikweliti ebhankini, uyakwazi ukubala phezu intsebenziswano echumayo. Arhente ukhangela kumthengi ukuba indlu kunye nemali eziya kufumana umthengisi uthunyelwa ebhankini, ukuvalwa mboleko. Ezinye iimali kusala yokulahla lesigulane eso. Bona lula ingabhekiswa ukuthenga izindlu ezintsha, ezibekile ngakumbi. Fumana agents uncedo olunjalo yenkampani efanayo.