Mortgage ngaphandle kokuba intlawulo ezantsi kwi "Agricultural Bank": iimeko, izinga lenzala

Indawo yokuhlala - le yenye iimfuno eziphambili ngamnye kuthi. Ngelishwa, ngexesha lethu, buziimitha square ayabiza. Kodwa ke ngenxa yokuba kunzima, abantu ukusombulula le ngxaki ngokwenza imali-mboleko ngaphandle ngamaxhoba yokuhlala okanye indlu. Phambi koko, bona befunda ngenyameko zindululo, abakulo kwiimalike zemali. Abantu abaninzi banomdla kakhulu-mboleko kungekho phantsi intlawulo "Rosselkhozbank".

ulwazi jikelele

Okokuqala, ndingathanda ukuthi eli ziko zemali bangathenjwa. Ekubeni kwi ndawo yesithandathu kwi ukalisho kukuthembeka phakathi 600 iibhanki eRashiya. Isixa-asethi "Rosselkhozbank" ingaphezulu udibaniso 2,76 ezigidi engange. Yaye isibakala sokuba abantu bandithembe imali yabo naye, usenza sibe nentembelo.

Yintoni ke ndinixelele ngale nkonzo njenge mortgage ngaphandle intlawulo ezantsi kwi "Bank Agricultural"? Ngoko ke, kuqala, ukuba ikhona. Okwesibini, kokuba ikhutshwe hayi ukuba wonke. kukho iimeko ezintathu kuphela kusenziwa ngokubanzi, apho kunokwenzeka.

Okokuqala, umrhumo wokuqala ayikho imfuneko yoko, kodwa iimeko kunikezelo mortgage kuya kuba nangakumbi kunakuqala. Kwaye abonakalalise mhlawumbi ezikhoyo kwikota mfutshane sentlawulo, okanye amazinga aphezulu umdla.

case yesibini: njengoko isixa sentlawulo, leyo kuthatyathwa ukhuseleko indawo, leyo Kakade umboleki. Adunyiswe intlawulo yayo kunye nokuthengwa kwezindlu ezintsha zikhutshelwa ngoko nangoko, kunye.

Kwaye ke kunjalo lesithathu: imali ngosana, elithole umboleki xa kuzalwa umntwana isetyenziswa njenge intlawulo phantsi. Apha wayekwenza nje "Rosselkhozbank". Hi ndlela leyi, iintsapho abaselula (njengomntwana, kwaye ngaphandle kwayo) yanika iimeko zivuma, loo nto ayithethi ukuba kubekho bar ukuba isavenge sokuqala. Noko ke, ukuthetha ngalo nangaphezulu.

ezingabizi real estate

Mortgage ngaphandle kokuba intlawulo ezantsi kwi "Agricultural Bank" ekhutshelwe kuthengwe kwiindidi ezithile izinto. Abantu usebenzisa capital ngosana unako ukuthenga indlu okanye ephambili okanye kwimarike yesibini. Ukuthengwa lwezindlu endlwini elisanda kwakhiwa (oku, koko, esona sicombululo ingabizi kakhulu).

Kwakhona iyafumaneka kubo ekhaya umhlaba kunye yomoya. imali Okuninzi inokunikwa ukuba zokwakha ezimeleyo kumakhaya. Kwakhona, ukuthenga umhlaba apho izindlu lwakhiwe. Ukongeza, i-mortgage sikhutshiwe ukuba kuthengwe izindlu engagqitywanga umhlaba, xa abantu siceba ukuba zazise kwisakhiwo ukuya ekupheleni. Kuba ukuthengwa komhlaba ukufumana target ngetyala kangangoko kunokwenzeka.

The main imeko

Ukuze mortgage ngaphandle kokuba intlawulo ezantsi kwi "Rosselkhozbank" sele sivunyiwe, lo mboleki enokwenzeka kufuneka ihlangabezane neemfuno ezithile. Eyona nto ibalulekileyo kufanele kuphawulwe ingqalelo ekhethekileyo.

UMboleki unelungelo elipheleleyo alahle kwikomkhulu notorious koomama. Ke ukuba imali ukuba enayo, Azigubungele ubungakanani intlawulo yokuqala wathi, nto leyo emiselwe ngokwemigaqo iinkqubo ezikhethwayo, i-mboleko evunyiweyo. Ngoko ke isigqibo kwimeko, ukuba imali idlula. Oku kuthetha ukuba imali yokuqupha ibe umboleki liya kuba 0%.

Okunye umnini propati ukuba kugqithiselwa besibini, kufuneka ibe umntu omdala. Kwaye zingadlulanga iinyanga ezintathu emva kokuba kunikezelo mboleko, kufuneka afake isicelo kwi Pension Fund ka Russian Federation, ukudwelisa capital lokubeleka ukuya elunxwemeni. Oku kuyimfuneko ukwenzela intlawulo kwenxenye ye-mortgage - ezi iimeko. Kodwa, ukongeza iphakheji esemgangathweni kwamaxwebhu xa usenza mboleko kufuneka ukuba ukunika isiqinisekiso kwi-CMC kunye nesiqinisekiso esivela kwi Pension Fund, oluya kubhalwa, nto leyo ke imali egcinwe kwi-akhawunti kwenkunzi umzali.

imiqulu

Kodwa ngoku kuyenzeka ukuba ukudlulisela iphepha, apho kuya kufuneka ukuba uqokelele nokondlala umntu okhetha ukuthatha-mboleko kwi "Rosselkhozbank". Olu luhlu ngolu hlobo lulandelayo:

Ifomu 1. Isicelo zokubhankisha kwifom emiselweyo.

2. Le yokundwendwela ukuba ngummi Russian Federation. uxwebhu efanelekileyo elingana (umz isiqinisekiso wamajoni, ukhonza).

3. ID Military - kusisinyanzelo ukuba abantu abangaphantsi kweminyaka engama-27. Indlela - isatifiketi sobhaliso.

4. Uxwebhu esiqinisekisa ubume bomtshato kunye nobukho abantwana, ukuba zikhona.

5. Paper engqina izinga bengqesho enokubakho mboleki nemeko yayo yezemali.

6. Onke amaxwebhu malunga impahla yayo yokufumana into ecwangcisiweyo.

Uluhlu lwamaphepha ibe banzi - xa ufuna into eyenye, uya kwazisa umthengi malunga ngabanye baguquke.

iimfuneko zesiseko

Abantu abaninzi baye ezikhutshwe olu hlobo mboleko ngathi mortgage kwi "Rosselkhozbank". Ukuphonononga ilungile, ushiye - ukuqinisekisa ukuba iimeko elilungileyo elula, oko kubalulekile. Organization kuhle ukuba bona abathengi fide nembali elungileyo ngetyala. Oku, ngengozi, omnye wemiqathango kubaboleki ezinokwenzeka. Kukho izinto ezimbalwa kakhulu:

1. Age - ubuncinane engama-21. Le mali-mboleko kufuneka ibe seyibuyisiwe ukuya kwiminyaka engama-65.

2. Ubumi - Russia. Njengoko ubhaliso.

3. Amava - iinyanga ezintandathu kwindawo yokugqibela yengqesho. Kwaye ubuncinane ngonyaka umsebenzi lonke liphela. Kuba abathengi "Rosselkhozbank" isaphulelo - bayavunyelwa ukuba babe namava kwiinyanga ezi-3 kwindawo enye.

abantu abadala baya leholide zomthetho, ezamkelela intlawulo kwi-RF Pension Fund ukuba i akhawunti wavula entlanganweni, oko unika iimeko ezizodwa "Rosselkhozbank". umhlala-mortgage iyafumaneka iimeko ngobunono - kubo ubukho amava yomsebenzi yonyaka ngokuyimfuneko kule minyaka mihlanu idlulileyo.

ezincane

Njengoko ubona, zako eqondakalayo icebisa "Rosselkhozbank". Mortgage ngenkxaso karhulumente idumile, ingakumbi phakathi iintsapho abaselula. Kwaye kukho inkcazelo eyahlukileyo kubo.

Usapho mfana ithathwa imanyano apho ubudala omnye wabalingane (kuhle - zombini) ayidluli uphawu engama-35. Kwakhona iwela kolu didi kubaboleki ezinokuba ngaphandle umaqondana ezisemthethweni, kodwa umntwana. Noko ke, unina / uyise-yedwa kwaye kufuneka ube neminyaka engaphezu kwama-35.

iinzuzo

Ngoku igalelo. capital zokubelekisa zingahlawulwa ubuncinane i-10% yexabiso impahla. Kodwa ukuba esitsha (imarike zaseprayimari) - ubukhulu inyuswe kwi-20%.

Ingongoma ebalulekileyo: ukuba ixesha mboleko, esi sibini kwafuneka umntwana, abe ulibaziseko ekuhlawuleni ityala. Kodwa kuphela de kube lelo xesha umntwana ayikho iminyaka emi-3 ubudala.

umdla

Esi sihloko sibalulekileyo. Wonke umntu ufuna ukwazi indlela kuya kufuneka ukuba ahlawule ityala. Ke aba bantu banomdla kwindawo yokuqala, ebhekisela i "Bank Agricultural". "Mortgage Calculator" - luncedo olukhulu xa kufuneka ubale yonke into.

Masithi, kwingeniso amaqabane kule mali engange 60 000 ngenyanga nganye. Kwimeko enjalo, ukuba lwamkelwe sentengo yemboleko efikelela kwi 2617500 kwi p. Umzekelo, bagqiba ekubeni bathathe kwezigidi ezibini ukuya kuthenga indawo studio kangangeminyaka eli-10. rate yonyaka - 12.9%. Ne-15% yesixa lowu ihlawulwe kwiinyanga ezintathu eyinkunzi umzali. Kulo mzekelo, inyanga kuya kufuneka ukuba anike 29.745 engange ukuba ahlawule elo tyala. Njengoko ubuninzi intlawulo yabo kufikelela 43 313 p. A isixa esikhulu ibhanki aliyi kwamkela, nokuba kukho umthombo wengeniso evela abathengi kwaye unako ukuyihlawula imali ezinkulu ematyaleni. Ukutshintsha bume kuya kufuneka ukuba isicelo ngqo kwi "Bank Agricultural".

"Wokubala Mortgage" - nkonzo ulungile kuba ibonisa ngokosuku. Ondele kuye, ungabona ukuba imali engakanani umntu egqithisileyo. Xa sithetha ngalo mzekelo ungentla, le kubaboleki zebhanki ngokubanzi iya kuhlawula 3.569.400 engange. million amabini namatyala kunye 1,569,400 (ngenkankulu lixakekile ngaphantsi mali) - njengepesenti.

Ulwazi izisebenzi

Ngoko ke zonke iziphakamiso umdla, nto leyo iba "Rosselkhozbank". Mortgage Military - oku esinye isihloko kufuneka ukuba kuphawulwe ingqalelo. Indlela umdla kakhulu of acquisition kwezindlu. Ifumaneka kwi servicemen inxaxheba kulondolozo kunye nenkqubo-mboleko yezindlu.

Ngoko nantsi esebenza ngayo: akhawunti yasemkhosini wavula ukugcina apho urhulumente nyanga zonke uluhlu isixa esithile. Kuba 2016 sasifana engange 245.880 ngonyaka ngamnye. Emva kweminyaka emithathu inxaxheba emkhosini kuthetha ukuba ingxelo NIS ukufumana isatifikethi, nto leyo eya kumnika ilungelo lokuba ufumane mboleko yezindlu ekujoliswe kulo. Xa ezandleni zakhe - lixesha lokuba pick up impahla, ukuhlangabezana neemfuno ezithile. iiseti babo Russian yoKhuselo Sobulungiseleli, ibhanki ngokwayo kunye kwinkampani ye-inshorensi.

amanyathelo anokuthathwa

Emva kokuba umkhosi isigqibo ngokwayo yokuhlala, leyo ufuna ukuyithenga, ungaya atyikitye isivumelwano sokubambisa ngempahla. "Bank Agricultural" uvula iakhawunti eyahlukileyo, edwelisa zonke iimali ezingasetyenziswanga kwi-sikhokelo ye-NIS. Bona baya umrhumo yokuqala ihlawulwe.

Iimfuno ukuya obolekayo zezi:

1. Ubumi - Russia.

2. Ubuncinane iminyaka - 22 ubudala.

3. Le eliphezulu - kweminyaka engama-45 ubudala ngexesha buyiselo.

4. Ixesha inxaxheba kwi-NIS - ubuncinane iinyanga 36.

inani lemali ungafumana emkhosini njenge mboleko - million 2,05 engange ukwenzela ukuthenga indawo yokuhlala. Ukuba ufuna ukuthenga iyelenqe kunye nendlu - bekuya kuthetha ku-1 850 000 p. Izinga iya kulingana 10.5 no-11.5%, ngokulandelelana. Ngoko tyaba, njengoko sibonile, ukuba uthenge ngcono kuzo zonke iinkalo. Hi ndlela leyi, imali emfono kwi-sikhokelo yoMgaqo-NIS kufuneka yanele ukuba ubuncinane ngentlawulo-10 ekhulwini.

wenza njani na intlawulo? ziyindlela elula. FGKU ityala obuyisela "Rosvoenipoteka". Le mali iphuma kwibhajethi federal. Intlawulo yenyanga ye 1/12 imali leyo emkhosini yababephethwe njengentlawulo yokugcina a.

Yintoni enye ukufuna ukwazi?

Ingqalelo kufuneka kuqatshelwe kunye nezinye iinkcukacha ngokuphathelele processing mboleko kumbutho ezifana "Rosselkhozbank". umyinge mboleko, amagama - kubalulekile ngokwenene. Kodwa umdla kakhulu ngakumbi namhlanje ukwazi ukuba ufuna ukwenza ukuba imvume ngokukhawuleza-mboleko kunye nendlela ukusindisa. Nazi ke iingcebiso:

1. Kuyimfuneko ukuba amaxwebhu ezininzi ezingqina solvency zemali. I elikhulu emarikeni, engqina imithombo eyahlukeneyo yengeniso - ngcono. Abantu abaninzi ukunika amakhaya sele ukho ukuba irente, ngisho isivumelwano, ebonisa inyaniso oku.

2. Ukufota-mboleko kufuneka ixesha ubuncinane kunokwenzeka. Le egqithisileyo iya kuba ncinane.

3. Kuyancomeka ukuzoba sozaomschika. Okanye emibini.

4. Intlawulo yokuqala kufuneka nkulu - ukuze ityala kuye kuba lincinane.

5. Ukuze ufumane into engcono phezu kwenzala, kuyimfuneko kusengaphambili ukuba umthengi ngaseludinini.

Kodwa eyona nto ibalulekileyo - kuqala kufuneka wazi ngazo zonke izinto, kwaye yimiqathango emiselwe kwisivumelwano. Kwaye ngoko kuphela isigqibo ukuba akhuphe mboleko. Ubuhlakani kwimicimbi yemali engekho ezingasafunekiyo.