Sokubambisa, real ( "VTB 24"). Mortgage "VTB 24": iimeko, intlawulo yokuqala

kwemigangatho baseRashiya abaphila namhlanje ziquka ekubeni ikhaya lakho - indlu okanye indlu. Eneneni, ukuthenga indlu namhlanje ngaphandle ukusetyenziswa kweenkqubo mortgage akukho lula. Hayi nje kuphela ngenxa yokuba umthamo omkhulu, kwaye kananjalo ngenxa yokuba amaxabiso izindlu ukuvuka - ayaphela, ediniwe ukusindisa. Kwaye ngenxa yokuba mboleko yezindlu - enye inxalenye sezona ziquququ yemakethi neebhanki, kunye namaziko zemali ngamnye kunokuba rhabaxa bakhuphisane kubathengi. Oko ukunikela umboleki nobunzima yenye yeebhanki ezinkulu kweli lizwe? Iphi na indawo apho umntu ukhetha ukufumana ukuba yintoni na "Mortgage VTB 24", amagama athi ngamanye amaxesha kwahluka kakhulu kwi-avareji, okanye naliphi na elinye iziko elibolekisa ngemali?

kwiphepha leMimiselo Jikelele nemiqathango

ibhanki Russian "VTB 24" kunciphisa iindleko umboleki phezu mortgages. Ngokukodwa, kwezinye iinkqubo ukuba iziko lamatyala unalo impahla ezamahala ukhetho maxabiso. Njengazo zonke ezinye egcina imali, iintlawulo abasendleleni scheme ngonyaka, bakholisa ukuba bonwabe ngaphezu ngendlela enomahluko. Kuzo zonke iimeko, oku ukuba ekuqaleni (nokuba ngokupheleleyo okanye ngokuyinxenye) ukuba ukuhlawula imali-mboleko sokubambisa - kububulumko eqhelekileyo "VTB 24".

Mortgage, izimvo malunga nokufumana ezinye iibhanki abasoloko ukubonisa ukubulisa "Stakhanovite" umgaqo lokuhlawula mboleko ngu kubaboleki, kulo mzekelo ngokupheleleyo kwicala iimfuno zabathengi. I-Bank ukulungele ukuqwalasela iindidi ubungqina bengeniso - Isiqinisekiso kuphela yerhafu yengeniso. Wobeko ubhaliso mortgage ngaphandle guarantors kunye nokusetyenziswa kuthiwa-intermediate ifomu akananto. Xa inani leenkqubo ze ibhanka simise okanye umahluko (okanye zidityaniswe) mboleko - ukhetho luncedo ezinokudala HIV abaxumi abanomdla nezivumelwano zokubambisa, yokwenene. "VTB 24" - ebhankini, nto leyo uzama ukugcina isimo kubaboleki kokusingqongileyo.

Mortgage empini

Bank "VTB 24" inikeza inkqubo ekhethekileyo abonge lwezindlu lwabemi bajamelene emkhosini yobungcali. Eyona iphambili kolu hlobo mortgage - elisezantsi (10% yeendleko kwezindlu) intlawulo yokuqala (izithintelo ezikhethiweyo mhlaba efunekayo akakho). Ehlawulweyo iinkonzo realtors kuphela, Umvandlakanyi wathenga-inshorensi (ukuba kuyimfuneko). Kuyaphawuleka ukuba nenxaxheba ngokupheleleyo kule nkqubo ukuze servicemen gaba asezantsi nalawo aphakathi igosa, eneminyaka engama-22 (nangona kukho umda - awukwazi ukwenza imali-mboleko yendlu, ukuba obolekayo kwiminyaka engaphezu kwama-45).

Iintlobo izindlu ukuba unako ukuthenga kwi-mortgage emkhosini kwi "VTB 24" - indlu umhlaba okanye iflethi (zombini - zombini kwimarike lesibini kwaye abangakwaziyo kwezakhiwo ezitsha). Isicelo semali-mboleko ingqalelo umthetho, iiveki ezimbini, kodwa isigqibo lisasebenza nangoku iintsuku 122. Le mortgage emkhosini - "VTB 24", imiqathango ezingqinelana ngokupheleleyo injongo yale program: ibhanki usoloko ekulungele ukusebenzisana nabantu omnye yemisebenzi ohloniphekileyo.

Indlu omama capital

Njengoko intlawulo phantsi mortgage abemi Russian Ungasebenzisa eyinkunzi lokubeleka yoluntu. Bank "VTB 24" sisebenzisa uhlobo ngetyala ukususela ngo-2011. Ukukhupha ezinjalo mboleko ngeke kuphela zezindlu aphakamileyo, kodwa phantsi kolwakhiwo (kwi izivumelwano partnership , okanye co-ngezimali ulwakhiwo amanyeneyo kwezindlu). Imibandela ephambili yenkqubo - ubukhulu eyinkunzi umzali kufuneka ubuncinane ama-20% yeendleko kwezindlu, imigangatho ezo lusekiwe, "VTB 24" ebhankini. Nokuthathelwa indawo yolu hlobo ekhutshelwe isithuba seminyaka engama-30.

inkxaso State

Kwezinye iimeko, kubaboleki aba "VTB 24" angenza isicelo sobhaliso nezivumelwano zokubambisa ngenkxaso karhulumente (njengenxalenye inzala inkxaso-mali karhulumente). inkqubo Le yebhanki etsala izinga eliphantsi ngokufanelekileyo (11%) kwikota umgangatho oluphezulu mortgage (iminyaka engama-30). Noko ke, umlinganiselo lokugqibela ixhomekeke kwinani amaxwebhu ebonelelwe mboleki, kwakunye kuhlobo estate real: zezindlu ezakhiwayo iya kuxabisa iingongoma ezimbalwa ibiza ngaphezu omtsha okanye "aphakamileyo." Le nkqubo ludumile kubaboleki abafuna ukwazi bokuqonda mortgage ukuboleka sifunde yintoni na mortgage ngenene, ngenene. "VTB 24" inika abathengi abanomdla kunye ulwazi oluyimfuneko.

Iimfuneko mboleki

Ngokubanzi, umboleki isicelo sobhaliso mortgage kwi "VTB 24", oko kukuthi phakathi kweendonga ezinkulu kweli lizwe, kufuneka ufezekise inani le migaqo emisiweyo. Okokuqala, mboleko yezindlu zikhutshwa kuphela ngabemi eRashiya, owayeneminyaka eli-21 (ngokuba abafazi), okanye engama-23 (abantu). Umda yobudala apho umboleki unako ogunyazisa mortgage - engama-65 ngexesha lokufaka. kufuneka zibhaliswe (okanye abhaliswe okwethutyana) kwiyunithi yolawulo, apho ofisi ebhankini, ukufumana amaxwebhu nguye. Ubude bayo ubuncinane umsebenzi uya kuba ngunyaka wesi-1, kwaye ingeniso baqinisekisa FAQ 2-NGOBUCHULE okanye uhlobo olukhethekile yebhanki.

Kubalulekile ukuba imbali yekhredithi iyancumisa. inshorensi obolekayo - mortgage kuyimfuneko (ngenye indlela, izinga lenzala uya kunyuka ngamanqaku ezininzi). Kuba kubaboleki ezininzi ezintle ukuba mortgage angabizi "VTB 24", apho igalelo okokuqala kwezinye iimeko kuyehla kwi-10%, uyakwazi aye kubaxumi ezinjalo.

The main program

Ngaphandle kokuba umxholo iinkqubo mortgage ezithile "VTB 24" nebhanki, kuxhomekeke kwimiqathango yemarike kutshintsha iziko yeentengo zemboleko iintlobo eziliqela lifana enika mboleko yezindlu. Okokuqala, ukuba kuthengwe izindlu kwimarike zasesekondari -le khetho kakhulu ethandwa. Izinga apha iqala ukusuka 11,85% ngamnye ngonyaka, igalelo sokuqala inani lamatyala kungancitshiswa ukuya kwi-10% yeendleko kwezindlu ezithengiweyo. Elona xesha lininzi apho ekhutshwe nezivumelwano zokubambisa - engama-50. Eyona ndlela ithandwayo lesibini ngetyala - ukuthenga ekhaya kwisakhiwo esitsha. Iimeko ziyafana loo yenkqubo "lwezindlu aphakamileyo", kodwa umyinge wenzala ixhomekeke kakhulu ngexabiso kule ndlu ezithengiweyo.

Kukho ibhanki "VTB 24" imveliso sokuthengisa, elula kubantu abazisa ixesha labo, - ". Uloyiso phezu okusemthethweni" Ukusebenzisa ngayo, i-mortgage nga kukhutshwa amaxwebhu amabini (kodwa intlawulo yokuqala iphezulu kakhulu kunaleyo kwezinye iinkqubo - ukusuka ku-35%). "VTB 24" uyakwazi ukunikela mboleko non-ekujoliswe mortgage - lwezindlu ezikhuselekileyo, leyo Kakade umboleki. inzala yonyaka kuwo - malunga 13.8%, elithi mboleko - akukho iminyaka engaphezu kwama-20, esi sixa - ukuya kwi-70% kulo ixabiso izindlu besibini. Kukho ekhethekileyo, ngokungafaniyo ukhetho ezinye egcina imali, kodwa iyafumaneka kwi nezivumelwano zokubambisa isixhobo "VTB 24" - "Family Young". Malunga ibali lakhe eneenkcukacha ngezantsi. Bank "VTB 24" sinokwenza refinance mboleko mortgage ezikhoyo kwezinye amaziko (ukuya kwi-80% yexabiso lempahla) phantsi inzala elilungileyo ngaphezu kunye nezinye iimeko zivuma. abathengi abaninzi bakhetha oku ebhankini, nje ngenxa yokuba lokuba refinanced mortgages. Izimvo - "VTB 24", ngokutsho kwabo, badla ngokubonwa njengenye amaziko abolekisa ingenankathazo ukusebenza kweli cala.

Ntoni ukuze ufune

Banks, mboleko mboleko kwiimeko ezifanayo, imarike Russian likhulu kakhulu. "VTB 24" liye Okukodwa abathile, izahlule kontanga ezininzi. Okokuqala, oko iirekhodi kuphela bengeniso obolekayo akunjalo, kodwa intsapho yakhe: Kuqikelelwa, ngoko usapho ukuba ahlawule. Okwesibini, i-mboleko ukuya kwiminyaka 50 - hayi zonke ibhanki Russian ukuba uyavumelana kwiimeko ezinjalo. Okwesithathu, ukuba ubolekayo unqwenela ukuhlawula imali ngaphambi ishedyuli, akukho izohlwayo, imirhumo kunye nezinye iintlawulo ibhanki "VTB 24" kule meko ayinikezi.

Ngokubanzi, Nobolekayo uvelisa ixabiso elincinane kakhulu okusemthethweni enxulumene kunye mboleko. Kubalulekile kakhulu ukuba ibhange nothungelwano olubanzi yaye ukho kuzo phantse yonke imimandla yaseRashiya. Ngenxa yoko, zenza isiseko solwazi kazwelonke yintoni na-mboleko, wokwenene. "VTB 24" - elinye lamaziko yokudityaniswa ulwazi yangoku ngale emarikeni.

ezincane

Kukho uhlobo eyodwa kubaboleki, apho kuyimfuneko kakhulu, yaye mhlawumbi phezu "VTB 24" mortgage. usapho Young - sithetha ngayo. Enye inkangeleko emxinwa yenkqubo yebhanki ibizwa. Iyilelwe ukuba kube lula ukuthenga endlini isibini credit asandula ukutshata, abemi abatsha eliqina nabantwana yaye basoloko ubunzima kwezemali. Kakade ke, ibhanki inceda abantu ngeendleko zabo, kwaye ukulamla phakathi umboleki kunye karhulumente, nayo leyo unika inkqubo: ilifa lokwenene iba yongayo nge-35% (ezitshatileyo, nto leyo ayinayo abantwana) okanye 40% (ukuba unabantwana omnye okanye ngaphezulu) .

Kulo mzekelo, ubudala nganye abazali ukuba bathathe inxaxheba kule program - ukuya kutsho kwiminyaka engama-30. Rate ngamnye ngonyaka kwi-mboleko "Family Young" - 11%. ixesha imali-mboleko - ukuya kutsho kwiminyaka engama-30. Le nkqubo - isiseko, oko kuxhaswa inani ezinye iinketho - umzekelo, ngokudibanisa ikomkhulu umzali okanye izindlu izatifikethi. Le nkqubo ifumene kwemfuno enkulu phakathi baseRashiya.

Kwizigqibo ibhanki

"VTB 24" iqulethe enye yeengqokelela ezininzi bala iinkqubo mortgage phakathi amaziko ezikhuphisanayo ngetyala. Oku akothusi: le ibhange nothungelwano olubanzi ofisi kunye nemisebenzi yoncedo lwabathengi lwenziwa ngendlela lwengingqi. ukhetho ebaluleke kakhulu - bonisa mboleki, yintoni aya intlawulo yemali yam "VTB 24", ukubala ishedyuli sentlawulo - yonke le ikhutshwa phandle elunxwemeni. A iziko credit ezisebenzayo iimfuno zamaqela ezininzi abemi, kuquka abaninzi ekuhlaleni kukhuseleka - oku eyahlula eli ziko sekhredithi ezahlukeneyo nabanye abadlali emarikeni.

Kuba kubaboleki, akazalani iindidi ilungelo, imiqathango mboleko mortgage icacile kwaye selubala, le bokuqonda enxulumene nentlawulo ye-akhawunti kunye intlawulo yokuqala zicaciswe kakuhle kakhulu. Umntu uqala ukuqonda kakuhle ukuba yintoni na mortgage - "VTB 24", iimeko apho, kwiimeko ezininzi, umntu, samenza ulwazi oluyimfuneko.