Apho kukulungele kanye ukuba mboleko ukuze le umhlalaphantsi? credit evumayo abemi aphezulu Sberbank

Phambi kokuba imali-mboleko umboleki, naliphi na iziko lamatyala isiKhangeli nokubanakho zemali. Abemi abaye bafikelela yobudala yomhlala ayikwazi kubizwa ngolo hlobo. Ngenye indlela, ukuba iibhanki.

Kuthekani ukuba ngokungxamisekileyo udinga imali? Yeyiphi ibhanki kukulungele kanye ukuba uthathe umhlala ngetyala? Cinga ngamaziko ambalwa zemali ukuba anike imali abantu iminyaka yomhlalaphantsi ngetyala.

Indlela ukufumana imali-mboleko abantu abadala?

Umhlala, ukungenisa isicelo ebhankini ukuqonda apho iqela yeyethu kubaboleki. Kukho ezintathu kuphela.

Lokuqala - eyona intle ngokwemiqathango iqela kubaboleki beebhanki, nto leyo kakhulu kunene abantu ithuba lokukhupha mboleko kakuhle ukuba abadla umhlala phantsi. Abemi kweli qela akukho ezinye utyalo-mali, ngaphandle inkamnkam. Kwaye akukho nako ukunika naluphi na uhlobo impahla (enokushenxiswa okanye engenakushenxiswa) ukuze izibambiso. Kwakhona, abanalo nakumqinisekisi owayeza kubanceda ekusetyenzweni mboleko. Ukuba ibhanki ivuma kunikezelo imali kwaye ngoko umhlala, eli xabiso ngokubanzi ngaphezulu malunga ne30-50 amawaka engange.

Ukwenza mboleko kakuhle umhlala, amalungu elo qela lesibini kufuneka naluphi na uhlobo impahla (wokwenene okanye zobuqu), ukuba ayinike besibini. Kulo mzekelo, imali ebhankini ukuze ndiboleke ukunyuka kakhulu. Ukuze uqinisekise ipension yakho kuya kufuneka ukuba zinike isiqinisekiso kwi Pension Fund ka isixa iintlawulo zenyanga.

Amalungu eqela lesithathu, sinokuqiniseka ukuba ngetyala ezithandwa kakhulu umhlalaphansi. Kumalunga umhlala ukusebenza, kubaboleki abakulungeleyo ukubhala imivuzo yabo. Imfuneko: ukufumana imali-mboleko kufuneka ibe seyibuyisiwe phambi kokuba afikelele iminyaka engama-75 ubudala.

Kutheni iibhanki bayala ndiboleke abakhulileyo?

Isizathu esingundoqo sokuba kutheni iibhanki akazange afune ukubona kubaboleki abo badla umhlala phantsi, ngelishwa, kuba ubomi bakho. Abasetyhini Russian ngayo iyahluka ukusuka kwiminyaka 72-75 kunye namadoda - 57-62. Ngamanye amazwi, i-Bank sesaba ukuba mboleko azisayi kubuyekezwa ngexesha, kwaye endaweni ingeniso iya kuba ilahleko. Bambalwa abantu abadala bakwazi ezisisibambiso impahla eninzi okanye kwabamela obanelisayo iimeko Bank.

Yintoni iibhanki ezisebenza umhlalaphansi?

Kakade ke, ukuba bathi abantu abadala abanalo ithuba lokuba athathe mboleko ebhankini. Kukho amaziko zemali malunga 200 abakulungeleyo ukunika mboleko ukuba abadla umhlala phantsi. Unako ukuthatha mboleko udumo amanyathelo abathengi (PDA), okanye amaziko microfinance (MFIs). Noko ke, kule kwiziko mali ophelileyo umdla yonyaka inokuba esikhulu kwaye ukuya kwi-700% nje.

Khawucinge iibhanki ukuba akhuphe imali kubantu abadala kumazinga afanelekileyo kwakunye ukufumanisa ukuba kunokwenzeka ukuba i-mboleko kakuhle ukuba abadla umhlala-phantsi i-Savings Bank.

yebhanki yokonga

Le ibhanki inganikeza umhlalaphansi elizayo layo kubaboleki imveliso kuFeliks credit rates nomdla ziyahluka. Ukuphakama intlawulo yonyaka-mboleko kuxhomekeke kwixesha apho mali zithathelwa, kwakunye ngexabiso izibambiso. Amaxwebhu afunekayo ukuze ukuzoba ngetyala kakuhle ukuba umhlalaphansi, ukuba umgangatho. Kuyinto ikhadi lokuzazisa kunye nesiqinisekiso pension.

Ukwenza amalungiselelo mboleko kunye Sberbank, ugogo kufuneka nesikhundla esiphezulu ehlawula asethi ezibalulekileyo mali.

Rosselkhozbank

Ibhanki inika mboleko iindidi ezimbini umhlala: abasebenzayo nabangasebenziyo. Ukuba obolekayo uyakwazi ukunikeza wammela, izinga lenzala iya kulingana kwi-15% ngonyaka. Xa kungekho mhlaba, ifanele ukwenza isibambiso, izinga angandiswa ngamanqaku 10-12. Isixa-mali enikwa i-umhlala-phantsi, aya kubalwa ukuba kwimeko nganye nganye. Kwezinye iimeko, imali-mboleko efikelela kuma-100 000 engange.

Ukususela amaxwebhu, ngaphandle ikhadi pension kunye yokundwendwela, ikhadi yesazisi, kusenokufuneka kwesibophelelo inshorensi yomntu umboleki. Le yenye yeebhanki, apho mboleko ezithandwa kakhulu umhlala phantsi.

Sovcombank

Ibhanki ligxile umsebenzi kunye kubaboleki abaye kulinganiselwe izibonelelo zemali. Ezi ziquka iingcali zonyango kunye kwinkalo yezemfundo. Sovcombank kwakhona ubonga le abadla umhlala-phantsi kubasebenzi non-besebenza. Iimfuno kwenziwa nakumaxwebhu, ubuncinane: yokundwendwela Russian kunye nesiqinisekiso pension. Akukho hlobo siqinisekiso ingafuneki. Imali eziinkozo ibhanki onokusinika mboleki, umhlala-phantsi, ukusuka kuma-30 000 ukuya ku-200 000, yaye isixa inzala yonyaka ukuya 26-30%. Isixa-mali lokugqibela ukuba lithathe ziya kufumana ezandleni zakho, kuxhomekeke kubuchule layo ukuzalisekisa izibophelelo zayo zemali.

Ababoleka ngubani na isicelo ibhanki kufuneka obungunaphakade ngaphezu '84. Kwaye mhlawumbi, nje kuvele imfuneko kuyilo kwekhontrakthi inshorensi ngamnye. Sovcombank ngomnye ebhankini ifanelekileyo, apho kukulungele kanye ukuba mboleko ukuya umhlalaphantsi.

PDA

Credit kunye nomthengi ookopolotyeni, ngokungafaniyo iibhanki, bakhetha ukusebenza phantsi, ucinga ukuba babe kubaboleki kakhulu uxanduva. Umhlalaphantsi indlela olunovelwano ngakumbi kukhetho lwe-mboleko.

Phantse wonke PDA zinoyilo ipension abadala, nto leyo maxa wambi iimeko ngcono kunokuba kubathengi eziqhelekileyo. Preferential umyinge wenzala kunye zidla ngaphantsi kwalawo ababoleka imali abaqeshiweyo. Ungathatha ukuya ku-10 000 engange, ngaphandle siqinisekiso. Kodwa ukuba umboleki ufuna ukwandisa imali iya kuba ibheyile efunekayo. Njengoko guarantors enze umhlala okanye amalungu osapho yomboleki. Yena, kunye samatyala CCP, inokufana nakumqinisekisi.

Isiqinisekiso esisuka kwi Pension Fund isixa sentlawulo akuyomfuneko ukubonelela, kuya kuba kwanele ukubonisa isiqinisekiso pension, ukuba imali ingadluli umbundu 35 000-40 000.

Credit unikwa ezona-2, kodwa mboleki unako Ungayihlawulwa ngayo. Akuyomfuneko ukuba uhlawule isohlwayo.

Wonke umhlalaphansi kufuneka azibandakanye CCP ze uhlawule imali yokubhalisa. Kwezinye op ntlawulo 50-100 engange, yaye esi sixa kakhulu efanela wonke. Ukuba unyango-re yonke lithathe angalindela ukulungiselela iimeko nentsebenziswano.

Ngokweenkqubo ezifana amaziko abolekisa ukubonisa kubaboleki zabo umhlalaphansi ukuba umhlala akuthethi ukuba ubomi buphelile. Kwaye ukuba nkqu umhlalaphantsi encinane, unako ukuhlawula ukuthenga enkulu.

Ngamnye kubaboleki abadala kufuneka isigqibo ngokwayo, yintoni na le mboleko nenzuzo ukuba abadla umhlala phantsi. Kufuneka ukhethe leyo iziko ngcono dilesi: ebhankini, PDA kunye namanye amaziko ngetyala.