Ngaba Ungayihlawulwa mortgage kwi Savings Bank of capital umzali?

Abazali nabantwana ababini okanye ngaphezulu, kaninzi kuye kufuneke ukuba ukujongana umbuzo ukuba intlawulo yokuqala-mboleko kwi-Savings Bank. Imiqathango ye-mboleko ixhomekeke ziya kuvunyelwa ukuba kungekudala usapho ukuba basebenzise i-mali karhulumente ebalulekileyo - capital umzali.

Kutheni ukwenza out-mboleko

Kwiimeko apho uncedo lusetyenziswa ukwakha izindlu, kuthengwe square metres, intlawulo yeenkonzo zemfundo okanye ukuyilwa inxalenye ezixhaswa imali yomhlalaphantsi ayikwazi zingafumaneka de abe neminyaka emithathu ubudala. Ukuba capital sikanina uyalwa ukuba ukuhlawula imali-mboleko, wulinde umhla ekupheleni leyo yomthetho ayikho imfuneko. Kungenxa yoko le nto kuyilo-mboleko yezindlu kunye ilungelo intlawulo yokuqala iba yindlela ephambili ukuba abazali ukufikelela mali.

Nikelani ingqalelo imiqathango ukuhlawula imali-mboleko

kwiibhanki zorhwebo, njengokuba Ngumthetho, akanamdla yokuba umthengi ubuyisela ngaphambi mboleko kwexesha. Ngoko ke, kubaboleki ezininzi enokwenzeka ochaphazelekayo, nokuba kunokwenzeka ukuba Ungayihlawulwa-mboleko mboleko evela Sberbank.

Ukuze ufumane i-mboleko, kubalulekile ukufunda kwaye nokuchaza umgca amaxwebhu zamatyala line, hayi singanikezeli abequmbise abaqeshwa abanqwenela mandikhawulezise kuwe. Imiqathango ukuhlawula imali-mboleko kudla lanikezela yonke ingxenye yesivumelwano. Nikelani ingqalelo ishedyuli yentlawulo - oko kubekwa isicelo esahlukileyo. Ukhululekile ukuba kuboniswe oko umhla? Ingaba intlawulo enkulu kakhulu ngenyanga? Imigaqo kwemali ekuqaleni zipeyintwe ngokweenkcukacha, kodwa inokunikwa esemazantsi okanye obufihlwe ngokuphuphuma umbhalo ochwetheziweyo kwi print encinane.

namaqhinga abatyalwayo

iibhanki abaninzi bazama ukunciphisa ilungelo abathengi ukuba babuyele-mboleko ngokupheleleyo okanye ngokuyinxenye, ngaphambili kucacisiwe kule mvumelwano. Ukuza kuthi ga ngoku, iirekhodi credit basoloko imiqathango eyongezelelweyo yaziswa. Umzekelo, ezifana:

1. inkululeko Early livunyelwe ngaphambi kwe emva kwexesha kwexesha elide, nto leyo inokuba iinyanga ezi-6 okanye ngaphezulu.
2. Oku kucwangcisa i Ungeno ubuncinane ngethuba phambi ukuhlawula kwishedyuli. Umzekelo, umboleki angavumeli mayibhekiswe imbuyiselo kwezixa lwemali ngaphantsi kwe-10 amawaka. Thambisani. Ngako oko, bonke ngequbuliso ufumane ibhonasi emsebenzini, ukuba ayikho likhulu kakhulu, ukuba akayi kuba nako ukunciphisa iindleko ityala.
3. Amaxwebhu lingamiselwa Intlawulo zakuqala imali mboleko. Ngokuqhelekileyo, alifuni bayo ukuhlawula amatyala ngaphambi kwexesha.
4. ngaphantsi kakhulu amaxwebhu mboleko iimeko ezixandayo ezikhoyo efuna ukuba ahlawule inzala kunye neentlawulo ngokupheleleyo isithuba iseti ixesha (umzekelo, ngenyanga okanye ngekota), nangona ubuyise mboleko ngaphambi kwishedyuli.

Ngaba Ungayihlawulwa mortgage kwi Savings Bank

Iimeko enyina lasekunene uboleke imali ukuba ayihlawule isinyanzelo ngaphambi kwexesha, baba ezifanelekileyo ngamaxesha obunzima zemali. Ngoko ke, abathengi amaninzi aqalile uzithandabuze ukuba kunokwenzeka ukuba Ungayihlawulwa-mboleko mboleko evela Sberbank.

Kulo imibutho inkulu zemali kweli lizwe zivumelekile ukuba abuyele naziphi mboleko ngaphambili kwimvumelwano phakathi mihla. Commission ahlawule kuba iyafuneka. Yenza imali ivunyelwe ngokuhlwa ngosuku emva mboleko. Uxanduva oluphambili ivaliwe okanye lincitshiswe umdla kwetu ngaxeshanye enikiweyo ethe yenzeka. Kubalulekile kuphela zingadlulanga iintsuku ezimbini zomsebenzi ukuze azise Bank ngembalelwano ngenani lamagama, kwaye ufuna ukubuyela ngaphambi ishedyuli kangakanani. Ngokusekelwe kule saziso, abasebenzi uxanduva iya kuqhuba umsebenzi lokuvuthwa. Kungenjalo, wena wenze imali ifakwe kwi-akhawunti ekhethekileyo yaye ziya kubhalwa off ukubuyisa imali-mboleko qho ngenyanga ngokungqinelana neshedyuli yentlawulo.

Ingxelo intlawulo yokuqala mali mboleko Baya kuma size sisayinwe ngumxhasi buqu kwi-ofisi ebhankini.

mboleko yakho bathembele veki

abamkeli abaninzi capital maternity kwakhona unomdla umbuzo wokuba kunokwenzeka ukuba Ungayihlawulwa-mboleko kwi-Savings Bank ngoMgqibelo? Umsebenzi ukubuyisela izibophelelo mboleko iza kubanjwa ngomhla mini ukuba ofisi, leyo ihonjiswe imisebenzi ngetyala. Ukuba isebe ivaliwe ngoMgqibelo, intlawulo mortgage iya kubanjelwa kwi losuku lweveki elilandelayo. NgeCawa, umsebenzi akwenziwanga-mboleko.

Ingaba kukho inzala-free mboleko yezindlu

Abanye abathengi aziyo kunye nemigaqo ye-credit card, bezibuza ukuba kunokwenzeka ukuba Ungayihlawulwa-mboleko kwi-Savings Bank ngaphandle umdla? Ngapha koko, 'yeplastiki "phantse lonke umise ixesha ubabalo, anokuba ukuya kwiintsuku 50-60. Xa intlawulo credit phambi ngokupheleleyo kokuphela kwekota umdla akuhlawulwa. Noko ke, ixesha mortgage ubabalo lingakulungele. Nokuba nithe nabuyela-mboleko ngosuku, kuya kufuneka ukuba uhlawule inzala nesetyenziswa imihla yonke imali mboleko.

Ukufaka isicelo sesibonelelo

I- Pension Fund kwakhona badla izicelo, nokuba kunokwenzeka ukuba Ungayihlawulwa-mboleko kwi-Savings Bank, esebenzisa eyinkunzi ngosana.

Ngowe-2016 ubungakanani isiqinisekiso umzali nangoku 453 026 engange.

Ukuze ukuthatha uncedo-mali, abazali nabantwana ababini okanye nangaphezulu kufuneka uqokelele iipakeji amaxwebhu achazwe ngumthetho:

- ikhadi lokuzazisa;

- SNILS;

- Inombolo VAT;

- isiqinisekiso somtshato (umtshato);

- Isiqinisekiso esivela kwisebe lwezindlu amalungu entsapho;

- iziqinisekiso zokuzalwa bonke abantwana;

- Isiqinisekiso sokuzalwa;

- kubameli uxanduva lwabazali ukwaba isabelo abantwana kweli khusi.

Ukuqwalaselwa we Pension Fund ka Russian Federation umbuzo wokuba kunokwenzeka ukuba Ungayihlawulwa-mboleko kwi-Savings Bank of capital umzali ngokobuqu uthathe ngenyanga 1. Emva kweli xesha, ukuba akukho echasene nomthetho, uya kuba isatifikethi lilungile.

Okulandelayo, kufuneka ilungise iseti yesibini yamaxwebhu eziqulathe ulwazi malunga nesivumelwano semali-mboleko kulo:

1. Passport obolekayo kwakhona.
2. SNILS.
3. Yabahambi.
4. Isivumelwano semali-mboleko (original okanye ikopi eqinisekisiweyo).
5. Isivumelwano nicelwa (mortgage) - original okanye ikopi kubameli.
6. schedule Payment.
7. Iingxelo malunga iintshukumo-akhawunti (njengoko iimali-mboleko zaye zakhutshwa zize zibuyiselwe ibhanki enyanisweni).
8. Iinkcukacha zentlawulo.

Xa zilungiselelwe kakuhle amaxwebhu ngenyanga enye Pension Fund uya udlulisela isixa isiqinisekiso kwi-akhawunti ekhethekileyo ebhankini.

Indlela yokulawula nokungena kwezimali

Oku kunokwenziwa inyanga enye emva kokungeniswa iphakheji yesibini amaxwebhu avele buqu kwi-ofisi i-Savings Bank yemali. Efowunini, abasebenzi kufuneka akukho ilungelo ukunika ingcaciso zemali, ngaphandle kokuba uvule igama ikhowudi kuwe.

Noko ke, elula kakhulu ngakumbi ukulawula intlawulo eyinkunzi maternity nge kwikhabhinethi lobuqu kwinkqubo "Sberbank Online". Ukusebenzisa igama lomsebenzisi kunye negama eligqithisiweyo, wena umkhondo ukuhamba kwemali ngokusebenzisa nayiphi na ikhompyutha udityanisiwe kwi Internet. Ngena "Sberbank Online" singavuselelwa-ATM, ezinjengeetheminali POS, kwakunye usebenzisa app mobile.

Ebona ukuba capital sikanina ifikelele "kuyo", qhagamshelana nomphathi credit yakho. Pre-hlola ukuba uyakwazi Ungayihlawulwa i Sberbank yemali ngoku. Yiba ukulungele ukuya kwi-ofisi ze ubhale isaziso.

Emva kotyando ishedyuli iintlawulo zibalwe ngokutsha - isixa sentlawulo yenyanga yehliswe kulingana.

Qala ekuqaleni?

Abazali oceba ukufumana ngokukhawuleza capital kubeleka, ngokufuthi unomdla ukuba kunokwenzeka ngaphambi kwexesha ukuyibuyisa le mali-mboleko kwi-Savings Bank, uthabathe enye. Ngokutsho komthetho nawuphi na umntu unokungena ezininzi izivumelwano zeentengo zemboleko. Ukusuka lo mbono, ukufumana imali-mboleko entsha, akunyanzelekanga ukuba ifumaneke ukucima.

Kodwa uboleka iinkonzo yebhanki, kuphononongwe kungenzeka kuthengwe ngetyala, ukuba umvuzo wakho. Oku kumiselwa ngokusekelwe izatifikethi yengeniso. Kwakhona thatha zibe izibophelelo ezikhoyo akhawunti. Inqanaba kwamatyala umntu ngamnye kufuneka kangangokuba ungakwazi ukuhlawula amatyala alo phezu kwexesha, lo gama kuqinisekiswa self ukutya non-ukusebenza amalungu entsapho. Kukho ezinye izinto ngetyala, nekufuneka ukuba uzuze akananto okanye iziqinisekiso.

Ukuhlawula le mboleko phambi kwexesha, unako kwakhona ukunika ukukhululwa encumbrances ngokugcina zebhanki yakho njengesiqinisekiso-mboleko entsha. Ngomhla ukhuseleko kumaziko zemali ukunika mboleko lula ngakumbi okuba kakhulu.

Noko ke, ukuba mboleko bakho sokubambisa, thatha ixesha ukucima ngaphambi kwexesha, xa ukrokrela ukuba imali ukuze kungekudala kufuneka kwakhona. mboleko zezindlu lelona engambi ukugcina, yaye imiqathango nenkxaso kwabo ixesha elide. I-mortgage interest rate yi-11% ngonyaka. Ngetyala Umboleki izazekile kwinqanaba 14.9 ukuya 21.9% ngonyaka. On mboleko ekhaya ixesha ubuninzi mali - engama-30, ngokutsho umsebenzisi - eyi-5 kuphela ubudala. Fumana kwakhona-credit ngokwemigaqo ye-mortgage kunokuba ukuba uthenga impahla entsha kuphela.

Ulwazi abahambi

Iintsapho ekufuneka kwenye indawo, bakhathazekile: ngaba kunokwenzeka ukuba Ungayihlawulwa-mboleko evela Sberbank kwelinye mmandla? Iintlawulo mboleko zangoku enokwenziwa njengesiqhelo. Kwanele kudluliselo ngexesha isixa efunekayo ikhontrakthi elikhankanyiweyo akhawunti. Kodwa intlawulo yokuqala ukusuka komnye ummandla umboleki ngokobuqu kuba nako ukuphumeza wayeza. Ngapha koko, lo msebenzi, kufuneka eze kwi-ofisi ebhankini, nto leyo yenziweyo kwi mboleko yezindlu, ukuba atyikitye saziso.

Ngokuphathelele oku nabazali abazilungiselela ukufuduka, iba efanelekileyo umbuzo ukuba kunokwenzeka ngaphambi kwexesha ukuyibuyisa le mali-mboleko kwi-Savings Bank of ngamandla igqwetha? Ngapha koko, oku kuxhomekeke, kuya kuba lula ukuba abize umntu evela abahlobo okanye izalamane ukuba abuyele mboleko ekhaya.

Kutheni uye izivumelwano

Ukongeza imali kwi-akhawunti ekhethekileyo emiselwe ukuqokelelela mali, ayifuneki amandla ligqwetha. Noko ke, ukuba transactions elidlulileyo uhlawule yokuqala-mboleko, kufuneka uqaphele, zisayinwe mboleki okanye nawuphi na umntu ogunyaziswe ukuba enze njalo egameni lakhe.

Ilungelo ukumela umxhasi ebhankini zingqinwe igunya izivumelwano egqwetha. Xa umbhalo wayo kufuneka ibinzana langoku, ithetha ukuba umhlobo okanye isalamane sakho uvumelekile ukuba uhlawule ngaphambi kwexesha ukuzibophelela mboleko.

"Imidlalo Ikhadi"

Ezinye agents nomdla umbuzo wokuba ingaba kunikezelo iinkqubo mortgage ziyafumaneka kwi "yeplastiki" kunye nokuba kunokwenzeka ngaphambi kwexesha ukuyibuyisa le mali-mboleko kwi-credit card Savings Bank? mboleko yezindlu kunganikwa kwezinye iimeko, ekwimo non-cash. Kuquka isivumelwano ebhankini, ukuba zikhutshelwa kwi amakhadi.

Nangona kunjalo, i-mortgage ayikho kwimali ikhadi lamatyala. amakhadi zeplastiki imingcele eliphezulu izibonelelo mboleko ezi kuphela intlawulo ekuthengeni yangoku. kubo isithutyana zimfutshane kakhulu, zonke izibalo for liabilities kwenzeka kwisithuba sonyaka omnye. Ukuba wenjenjalo, Noko ke, baye bachitha imali elithile ikhadi lamatyala ukuba ukuhlawulela iindleko kwezindlu, kuyimfuneko ukuba babuyele yimiqathango lokuthenga.

Ngoko ke, ngaba kunokwenzeka ukuba Ungayihlawulwa-mboleko kwi-Savings Bank of capital kubeleka? Ewe, ukuba uthe abaphantsi komthetho banelungelo lokufumana inkxaso-mali. Yazi izakhono zakho uze uyisebenzise.