Nokuthathelwa indawo e St. Petersburg: imizi egcina imali, imiqathango kunye neemeko yobhaliso

Namhlanje, asinguye wonke umntu ophilayo kwikomkhulu yenkcubeko, unako ukuthenga kumakhaya abo. Kakade ke, ukuze loo isixa esikhulu imali ayikhankanyi ukuba umsebenzi ofisi avareji okanye umakhi. Kungenxa yoko le nto mortgage eSt Petersburg, zifunwa mkhulu phakathi abemi.

Ubukhulu becala, le nkqubo-mboleko leyo inikwa abantu ukuze bathenge impahla. Nangona usuku olusikiweyo lokungenisa yokuhlawula amatyala abe neminyaka engaphezu kwama-20, izinga lenzala yamatyala idla phantse isiqingatha ixabiso. Ukongeza, imibutho emininzi ezibonelela ngeenkonzo mortgage eSt Petersburg, kufuneka kuhlawulwe enye intlawulo yokuqala. isixa-mali esinjalo kwakhona kunzima kakhulu ukuya kuqokelela ngexeshana elifutshane. Kungenxa yoko le nto ngaphambi kokuba uthathe imali-mboleko, kuyacetyiswa kuphela ukufunda imarike real estate, kodwa iinkonzo yeebhanki.

Types of mboleko mortgage

Ukuza kuthi ga ngoku, kukho ezahlukeneyo eziliqela ematyaleni enjalo:

• kumxhesho karhulumente. Olu hlobo imali kwabahlali esanda. A mboleko yolu hlobo unako luthathwe mortgage elilungileyo e St. Petersburg, njengoko izinga lenzala kule meko nje 11.25%. Noko ke, ukuze afumane imali-mboleko enjalo kuya kufuneka ukuba ikhuphe comprehensive abathengi inshorensi mortgage ngokwabo kunye nempahla yabo. Kwakhona ngokutsho inkxaso kuyo ukuba ukuthengwa zokuhlala kuphela kwimarike zaseprayimari, kuthathelwa ingqalelo iindleko yezindlu-3 ukuya kwizigidi 8 engange. Ixesha apho yeentengo zemboleko ezikhutshiweyo, ngokuqhelekileyo iminyaka engama-25.
• Nokuthathelwa indawo kwimarike zaseprayimari. Kulo mzekelo, ukuba iindleko nokufunyanwa kwindawo abahlala ukusuka engange-1 ukuya ku-12 million. Ukuba umhlali of St. Petersburg wagqiba ukuthenga ipropati kwimarike zaseprayimari, inani leenkqubo ziya kufumaneka kuye. "Entsha kwi yokundwendwela" - ngonyaka umyinge wenzala ka-13%, kunye nemfuneko ukuze ubuncinane 30% yexabiso lentengo, elithi intlawulo engama-25. "New" - kuyimfuneko ukulungiselela uluhlu eyandisiweyo izibambiso uqalise umjikelo umsebenzi we-15%.
• Mortgage kwimarike eziziisekondari. Kulo mzekelo, kuya kubakho iinkqubo eziliqela. "Le ndlu phezu yokundwendwela" - PV ubuncinane ayi-30% yeendleko kwezindlu, ipesenti izinga 13,25% ngonyaka. "Indlu" - kulo mzekelo, eSt Petersburg ohlala unako ukuthenga ikhaya ikhefu, iindleko zeziphi isusela evela engange 500 lamawaka 12 million .. Intlawulo yokuqala iya kuba-25%.

Nangona kunjalo, kufuneka kukhunjulwe ukuba imali-mboleko of St. Petersburg kungohluka ngokubonakalayo ngokuxhomekeke kumbutho okhethiweyo. Asingabo bonke zamakhadi zinxulunyaniswa loans yale hlobo. Ukongeza, kukho amathuba isebenza ibe umkhonyovu. Ngoko ke kungcono ukuba isicelo semali-mboleko enkulu eminhlanganweni bokuba nethembekileyo.

Mortgage e St. Petersburg, Sberbank

Ukuze ukuthatha ngetyala yokuthenga izindlu, abantu abaninzi basenze kulo mbutho ngetyala. Into yokuba Sberbank yeyona inkulu kwi Russian Federation, ngenxa yayo pension kunye nezinye izibonelelo kurhulumente. Ngokufanelekileyo, ukuthatha ngetyala apha, abantu baya kuba qiniseka ukuba inkampani zemali akayi kuhamba yimali.

Ngoko ke, xa sithetha malunga nemiqathango mortgage eSt Petersburg kwi-Savings Bank, kuyimfuneko ukuba bavakalise ezimbalwa iingongoma eziphambili:

• Ukuba ufumana imali lezabelo ngenxa yezakhiwo ezitsha, ubuncinane ngonyaka umyinge wenzala uya kuba 10.4% kuphela. Ngelo xesha linye imali yokubolekisa kuya kuba ngaphantsi kwe-300 lamawaka. Engange. PV, leyo ufuna ukwenza yi-20%.
• Xa usenza isicelo semali-mboleko yokuthenga izindlu yesibini ipesenti intlawulo yonyaka iya kuba ngaphezulu kancinci - 10,75%.
• Ukuba ungummi unqwenela ukuthenga indlu lizwe, ngoko izinga iya kulingana 11,75%.

Ukongeza kule mbutho, ungenza ukuthatha mortgage eSt Petersburg VTB Bank 24. Kwakhona sibonisa intsebenziswano ezinzileyo kunye nembali elide yobukho.

Mortgage VTB 24

Le ibhanki inikeza iinketho eziliqela ze mortgage yokubolekisa abathengi:

• Nokuthathelwa indawo e St. Petersburg kwisakhiwo esitsha. Kulo mzekelo izinga iya kuba 10.9%, kunye PV-10%.
• Indlu le kwikhaya agqitywa, ixabiso engeyiyo engange ngaphezulu kwezigidi-60. Abo bafuna ukwenza ukufumana indawo yokuhlala, kuya kufuneka ukuba benze njengoko intlawulo phantsi kwe-10% ngonyaka kwaye uhlawule malunga 11.25%.

bank Mortgage "Ukuvulwa"

Kulo mzekelo, mortgage yokubolekisa kufuneka ukuba sifakwe kungasalanga ngaphantsi kwe-20% yexabiso lentengo. Izinga ngonyaka yi 11.25%. Ukuba sithethe ngayo eli gama mboleko eliphezulu, ayiyi kudlula iminyaka engama-30.

Ngaphandle mortgage e St. Petersburg, ibhanki "Ukuvulwa" inika abemi mboleko ukuze ezinkulu ukulungiswa eziflethini.

Mortgage in SKB

Le kweebhanki kwakhona ngumbutho ngokwanelisayo enokuthenjwa isicelo-mboleko.

CSC inika abemi ithuba intlawulo yokuqala kunye nokwehla ngenxa. Kulo mzekelo, izinga lenzala kwi mboleko yi-14% ngonyaka.

Noko ke, abaninzi banomdla ithuba lo mortgage eSt Petersburg ngaphandle kwentlawulo phantsi. Ukuba sithetha ngayo intsapho entsha, ithuba ngokwenene na. Ukususela namhlanje nendawo abahlala bavame ukuthenga isibini kunye nabantwana abancinane, urhulumente liphuhlise inkqubo ekhethekileyo kubo.

Nokuthathelwa indawo e St. Petersburg: usapho entsha

Le projekthi amaqabane efanelekileyo, ogama yobudala awudluli iminyaka engama-35. Kulo mzekelo, oku kubhekisela ekusetyenzisweni kwe eyinkunzi umzali njenge igalelo lokuqala eziliqela ezilandelayo. Iintlawulo Ezinye zenziwe kwindlela eqhelekileyo. Umlinganiselo wenzala yi-12.5%. Lwaba ethetha, i-MC wafumana hlenga-mboleko kunye kungekho phantsi intlawulo eSt Petersburg.

Ukongezelela, iintsapho lenkomo abantwana ngamanye amaxesha yenza ngaphandle inkxaso-mali ekhethekileyo evela kurhulumente. Phantsi kwezi magama kakuhle, amaqabane angafaka isicelo kwenye amasebe yebhanki ovunyiweyo ukuze ufumane uncedo-mali, nto leyo ingasetyenziswa ngeendlela ezahlukeneyo:

• ukuba le mali obuxhasa PV kwi mortgage;
• ukuba uhlawule inxalenye mboleko okanye isixa-mali esipheleleyo;
• ukwenza ezi mali beyinikwa njengentlawulo yezindlu.

Ukongeza, abathatha inxaxheba kule nkqubo iba mboleko mortgage lukhona nge bathobe inzala (imali leyo eya kuba ngaphantsi kakhulu emarikeni).

Inkxaso-mali yale program kunokwenziwa kwi kokubini federal kunye nohlahlo lwabiwo-mali wasekuhlaleni. Kulo mzekelo, iya kukhutshwa kwaye yonke imali-mboleko inzala-free, elibonelela intlawulo yokuqala ye-30% yexabiso lentengo.

yokubolekisa empini

Ngo-2005, urhulumente laqalisa inkqubo "Military Mortgage" eSt Petersburg nakwezinye izixeko. Ngokutsho ezintsha, urhulumente ubonelela abantu abakhonza emkhosini, isithuba ophilayo ayikho hlobo kwaye ngemali. Oku kuthetha ukuba ijoni unokufumana isibonelelo kule mali engange kwesigidi esi-1, kwaye bachitha ngawo intlawulo yokuqala kwi-mboleko okanye ukuthenga izindlu ezibiza kancinci le mali.

Ukongeza, i "Military Mortgage" eSt Petersburg kubandakanya ukwabiwa kwemali xa imali engange nezigidi ezi-2.5 ukuze kwemali-mboleko. Ezi meko ziqwalaselwa ngasese. I-avareji imali yenkxaso elinikwe ngurhulumente, nguye lo umyalelo million 3-4 engange. Ukuba ijoni ufuna ukuthenga indlu amaxabiso aphezulu, yena uhlawula intsalela ngokwabo.

Nakuba kunjalo, kufanele uthathe ingqalelo yokuba mali iqulethe iqela nezilungiso and exceptions. Ngako oko, ukuze bafumane uncedo ngemali enkulu ayikwazi bonke abakhonza emkhosini.

Ekuphetheni

Fumana mortgage kuba phantse wonke umntu indawo esisigxina lomsebenzi. Yonke into ixhomekeke kwiimeko ezithile kwiziko lamatyala. Kakade ke, ngokuba mboleko kungcono lokukufaka yenye yeebhanki karhulumente. Kuphela ngale ndlela iqinisekisa ziya kunikwa ngummi. Phambi kokuba uthenge indlu kwi mortgage kucetyiswa ukuba bafunde imarike nemihlaba kakhulu yaye ukuba kunokwenzeka athethane igqwetha. Ukuba sisondela mba ngayo ingqiqo, kuyenzeka ukuba kunciphisa kakhulu iindleko zokuthengwa zokuhlala. Ukongeza, kufuneka balujongisise ngenyameko uluhlu kwezibonelelo ezinikezelwa ngurhulumente.