Ngaba ndithatha-mboleko yokwakha indlu?

Asinguye wonke umntu unendlela ukuthenga ezithengiswayo. ezikhoyo kule mihla credit ukuze kwakhiwe indlu. Ngokuqhelekileyo, amaziko mali, linike-mboleko kwi-ukhuseleko komhlaba okanye enye impahla. Oku ke kufuneka ukwenzela ukunciphisa umngcipheko ngetyala.

Sisondele ingqalelo endodeni?

Iibhanki iwise inani iimfuno neenjongo ethengwe aphantsi zokwakha indawo kunye nomhlaba. Nazi ke:

• Izithuthi kufuneka zibhaliswe kwi-BTI, kufuneka zibhalwe kwinkonzo yobhaliso njengento nokwakhiwa engagqitywanga. Kulo mzekelo, kungakuhle ukuba ndlu sele isiqingatha kwakhiwa. Zonke unxibelelwano ayimfuneko isixhaso ngokupheleleyo, uya ngendlu ngaphezu endodeni. kufuneka kuqashwe Ilizwe apho ipropati leyo yakhiwe,. Nangona ukwakhiwa ayiphelelanga, musa ukudlula zonke izigaba eyimfuneko ikhomishini karhulumente, umthengi kuya kufuneka uhlawule irhafu ephezulu inzala.
• Enye imfuneko endodeni xa usenza isicelo semali-mboleko ukuze ukwakhiwa kwezindlu ngenxa isiqwenga somhlaba. Yena kufuneka babe kumashishini abucala, kubalulekile ukuba zifake kunye zonxibelelwano kuyimfuneko, bamhlisa ekunene ukuya kuyo. Iibhanki enza izigqibo ezisekelwe apho ibekwe ilizwe.

Credit ukuze kwakhiwe indlu kunikela iibhanki ezimbalwa. Noko ke, kwiminyaka yakutshanje, ingxenye uqala ukuba sifuna. market real estate ipoma athandwa kakhulu phakathi abathengi. Nemfuneko, yena, kunegalelo ekuzalweni zesindululo. Phambi kokuba usebenzise i mboleko, kufuneka ukuba ukhe uhlolisise onke amabanga. Umdibaniso wentlawulo yokuqala ikholisa ngaphezulu mortgage eqhelekileyo, ayikho ngaphantsi kwe-30%. Kubalulekile ukwazi ngoko nangoko malunga uthuma. Credit ukuze kwakhiwe indlu ube nokubonelela ngamaxesha awohlukeneyo (ukusuka iminyaka emi-3 ukuya 30). Kule, kwakunye kubungakanani imali-mboleko kuxhomekeke izinga lenzala.

Yintoni efunekayo?

Uluhlu lwamaxwebhu kufuneka ukuba uthathe imali-mboleko yokwakha indlu:

• Ingxelo yengeniso lo mboleki, engqina solvency yayo.
• Paper on isiqwenga somhlaba.
• Imvume yokwakha le nto.
• ekhaya Project.
• Amanye amaphepha ezifuna iziko elithile zemali kunye ngetyala ukuba akhuphe mali-mboleko.

umzekelo

ziibhanka ezahlukileyo mboleko zabo ukwakha indlu. Sberbank, umzekelo, yaziwa inkqubo umdla, ngaphantsi apho inika mboleko ezinikwa abantu ukuba bathenge indlu. Njengesibambiso Uloqonda udumo okanye yokuhlala. Kukho iindlela ezimbini:

1. Umboleki yenza imali-mboleko ukuze kwakhiwe indlu yangasese, nto leyo isiqinisekiso kule ntengiselwano.
2. Umntu uthatha imali olubekwe yi kwezinye indawo, eyakhiwa ngaphambili kwaye anakho. Kule mboleko ekujongwe njongo - ukwakhiwa kwezindlu (yokuhlala).

Le program ekuthethwa ibizwa ngokuba Savings Bank "Ukwakhiwa kwisakhiwo zokuhlala," ukuba yahlukile kwi-nkqubo "phantsi yezindlu yokwakha" inzala ephezulu. Le program inika mboleko ukwakha indlu yokuhlala isigxina. Ukuba ibhanki nga ukumisela umyalelo, anike ngetyala okanye hayi, wacelwa ukuba ukubonisa amaxwebhu kwizakhiwo, nto leyo yaba isitshixo. Kwakhona kufuna iphepha yokuthenga izindlu. Inzala iya kuxhomekeka lokuba nemali-mboleko, ixabiso intlawulo yokuqala, lwemali mboleko. A plus omkhulu, xa umxhasi sikhutshiwe lomvuzo Sberbank.

Zama ukukhetha ibhanki ekunene, ahlawule ingqalelo umba ngamnye kwesivumelwano sentengo yemboleko, ukuba indlela onoxanduva umba mortgage ukwakha indlu.