Ngaba ufuna imali? I-Rosselkhozbank isoloko ilungele ukubonelela ngeenkonzo zayo

Kungekudala, imarike yemarike yaseRussia Federation ithatha utshintsho olukhulu. Oku kubangelwa ukuba inani elikhulu leebhanki alinakuphila kwiminyaka yokuqala yenkathazo yezemali. Kwimibutho emininzi, inkonzo enjalo njengento yokubolekwa kwemali ishintshile. I-Rosselkhozbank ngumzekelo obalaseleyo weendlela ezintsha ezithengiswa kwimarike yemarike.

Ngenxa yokuguqulwa kweerhafu ngexesha leengxaki, abaninzi banyanzelekile ukuba banikele abatyali-mali babo amazinga amanqanaba aphakamileyo, okwakubangelwa ukuba baqhubekele ukugqithiswa. Ukongezelela, imibutho emininzi yaphoqelelwa ukuba ifake imali yabo kumaqumrhu aphezulu kakhulu engozi, apho ezininzi zaphela kakhulu. Lo mgaqo-nkqubo weziko lezemali uye wanciphisa ukuthembeka komsebenzisi ophakathi. Kungenxa yomzabalazo kumthengi ukuba iibhanki zaphoqeleka ukuba zitshintshe iinkqubo zabo zemboleko ngokubhetele ngakumbi kunye neentlawulo ezifihliweyo ezimbalwa. Enye indima ebalulekileyo yadlalwa ngumthetho osandul 'ukwamkelwa, okhusela amalungelo abo babini kunye nabbolekayo bebhanki. Ngoku iziko lemali libophezelekile ukuba libonelele ngolwazi olupheleleyo kunye olufike ngexesha elifanelekileyo malunga nazo zonke iintlawulo eziceliwe ezihambelana nokubhaliswa kweprogram yemboleko.

I-Rosselkhozbank: i-mortgage, ngokwemigqaliselo ka-2013

Ngokuphuhliswa kwetheknoloji yesimanje kunye nemarike yemali-mboleko, ukufumana inkqubo yekhredithi ilula kakhulu. Ngoku akudingeki utyumle imfumba yamaphepha ukukhupha inkonzo enjalo njengemali. I-Rosselhozbank inikezela ngemali-mboleko kwizinga elincinci lenzalo-ukusuka kwi-12 ukuya ku-14% ngonyaka. Unokufumana loo mboleko nje ngokugcwalisa ifom yesicelo nokuthumela ipakethe efunekayo yamaphepha kwiziko lemali:

• Ipasipoti evumelekileyo yommi waseRussia Federation;
• Ubhaliso lokuhlala olusebenzayo kufuphi nelinye lamasebe ase Rosselkhozbank;
• Uxwebhu lwesibini olunokuqinisekisa ubungqina bomthengi;
• I tyikityi yomgcini

Ukuthengwa kwezindlu eziqhelekileyo ngokuqhelekileyo kusebenza njengelungelo ekulungiseleleni inkqubo enjalo njengemali yokuboleka imali. I-Rosselkhozbank ilungele ukuqwalasela ngesimo sesibambiso kungekuphela kwendawo yokuhlala egciniweyo, kodwa ikwabelana ngezindlu ezisandul 'ukwakhiwa okanye izakhiwo zomhlaba. Iintsapho ezincinci zimele zikhumbule ukuba kukho inkxaso eninzi karhulumente, apho unokuyilombulula umcimbi womhlaba ngokulingana nomzamo.

I-Rosselkhozbank: umboleko wokwakha

Ukongezelela ukucwangcisa inkqubo yezindlu ezilungele ukulungelelanisa, umbolekayo angafumana umboleko wezindlu zangasese kwindlu entsha esakhiweyo. Le nkqubo iya kuba yohluke kancinane kwinqanaba eliqhelekileyo. Ukwahlula kokuqala kukunyuka kwezinga lentengo kwiprogram kuze kufike ixesha lokubeka indlu. Ipesenti iya kuba malunga ne-16%. Nangona kunjalo, xa ukwakhiwa kokwakha, izinga liya kuba ngaphantsi kweprogram yokuboleka imali. I-Rosselkhozbank kule ngxaki iya kunika imali mboleko kwi-13% yokuhlawula imali ngaphezulu ngonyaka. Ukwenza imali mboleko kwindlu ekwakhiwa kuyona ndlela ikhethileyo. Kule meko, ukuhlawulwa kwemali mboleko mboleko kuza kuluhlula umda phakathi kwendawo yokuhlala esandula kwakhiwa kunye neendlu endala.