Yemboleko: Yintoni le? Mibuzo neminye ebalulekileyo

Okokuqala, ndingathanda ukuthetha amazwi ambalwa malunga nini kwaye njani mortgage. Yintoni na le tyando, besisazi ukuba sele eRoma yamandulo Greece yamandulo. Ngaloo mihla, amagama ezo ngokuba post, eyasekwa phezu ilizwe onetyala phantsi nayiphi na imbopheleleko. Kwi amagama kwikholam eligunyazisiweyo mboleki kunye umbolekisi, kwakunye umhla apho ityala kufuneka ibe seyibuyisiwe. Kwi kwintsimi ophawulwe ngendlela umntu ephethe ityala, kwaba nzima ukwenza nantoni na okanye athathe ngaphandle.

In pre-revolution Russia kananjalo mboleko. Yintoni kwicala umsebenzi zemali, kukho iye phantse ulibele ngexesha leSoviet. Ngoko ke, abantu abaninzi namhlanje, basebenzise le nkonzo zemali, ngokufuthi ubanjwe nemeko enzima, ngenxa yokuba ayibalwanga amandla ayo. Ngo-Russia, kunye kweminyaka 13-14 uyazi yintoni-mboleko (nemihlaba), othe imigaqo, abo babengakwazi ukuhlawula elo tyala, ukulahlekelwa ipropati yabo, enika abarhwebi yayo, ababolekisa okanye maxa wambi nkqu nezigodlo. Nokuthathelwa indawo efana okufanayo ukuya mihla, Wabonakala yoBukhosi Russian ngo-1881.

Zeziphi amazwe zenziwa kakhulu indlu? Yintoni ukuthatha ngetyala ngenxa yokuthenga izindlu kwikota ukuya elide ukuya kwiminyaka engama-30 ngeqondo encinane malunga-6% ngonyaka, inkoliso yabantu baseMerika uyazazi. Abemi beli lizwe kwintlekele yoqoqosho lokugqibela, ukulungele ukuthatha mboleko ixesha elide yokuthenga indlu. Zonke ngakumbi ke ngeendleko ezimalunga 1-2 amawaka eerandi square metre nganye, abaninzi kubo zihlawulwe malunga 5 amawaka. Eerandi ngenyanga. Namhlanje,-mboleko yezindlu eUnited States ukhutshwa isithuba seminyaka eli-15, yaye uninzi abemi nemiqolomba cute baye bengenamakhaya ngenxa kwemisebenzi kunye nokunqongophala kwamathuba ukuyibuyisa le mali uyibolekiweyo. Nokuthathelwa indawo ngaphandle kwentlawulo akukho kwandile. ie umnikazi ezinokwenzeka mhlaba kufuneka ufumene malunga 10-20% ye isixa endinomdla kuye indlu.

Ukuze ukuba iRussia aye nezivumelwano zokubambisa imigangatho pre-ntlekele e Melika, kuyimfuneko ukuba uqoqosho ukhe awafumana uyothuka ezinzulu. Kulo mzekelo, imibutho kunye nabantu atyala imali ngayo iibhanki ixesha elide, nto leyo eya kwenza ukuba amaziko amatyala ukunika mboleko zexesha elide kunye namazinga enzala asezantsi. Namhlanje, imithombo ngaphezulu okanye ngaphantsi kakhulu mali sicwangciso kuphela amaziko ezemali ngobukhulu, kufana "Savings Bank".

Bala mortgage inokuba Credit calculators ezifundiswa liSebe ziibhanki. Ukuze wenze oku, khetha i imali kunye credit ngokoMthetho ukuze babone ingeniso net ukubala iimali ezikhoyo yokuthenga izindlu (ubuncinane-10%), ukuze ufumanise ukuba yeyiphi na imisebenzi ukuba udidi oluthile lwabantu (umzekelo, iintsapho abaselula), kunye nabanye.

Uqoqosho Russian ukhe awafumana izithonga kakhulu ngexesha lokudodobala yehlabathi yokugqibela, zininzi iintsapho nezivumelwano zokubambisa baba ekhoyo. Yintoni mortgage kwabo basebenzisa ngaye? Okokuqala of bonke kuyinto ithuba lokuphila kwindlu kufuphi lakhe, onikela imali ukuba bafumane oko, kungekhona ngenxa rent. Kuba abo wathabatha ngetyala ekukhuleni kwamaxabiso izindlu kunye ngempumelelo kuwucima, le nkonzo zemali yaba ithuba lokwenza imali okulungileyo kwintengiso zokuhlala ngexabiso eliphezulu. Nakuba kunjalo, kukho iqela elikhulu ngokwaneleyo labantu abaye baphelelwa yimisebenzi yaye abazange bakwazi ngentlawulelo isikwere kwekhamera athandwayo. Ngoko ke, xa nokugqitywa kweemvumelwano mortgage kufuneka ukuba azihlole ngenyameko imingcipheko, ingakumbi xa intsapho umntu omnye kuphela imivuzo ngokwaneleyo ephakamileyo, esebenzisa apho bekumele ukucima mboleko.