Apho kungcono ukuthatha ngaphandle mortgage - iimeko imali iibhanki

Asinguye wonke umntu unako ukuthenga indlu kungekudala. Kulo mzekelo, ungasebenzisa i mboleko. yebhanki nganye unika amagama kunye namazinga enzala wayo. Urhulumente ixhasa-mboleko, kwaye kukho iinkqubo ezikhethekileyo ukulungiselela intlawulo. Kodwa ukuze ufumanise ukuba apho phandle-mboleko, kufuneka ukuba uqhelane kunye neziphakamiso yeebhanki ezahlukeneyo.

Ixesha le mboleko ebhankini nganye eyahlukileyo. Kuyimfuneko ukwazi kwangoko, phambi kokuba nokubhaliswa kwesivumelwano. Ngokwesiqhelo thatha mortgage iminyaka 10-20. Kuba umboleki ngalinye kubalwa intlawulo yenyanga. Ungenza kube ngaphezu isixa ikuvumela ukugcina ngenzala.

mboleko entle

kunye negalelo ekuqaleni - olunye uhlobo imisebenzi mortgage eRashiya. Ngaphandle kuyo, ungenza amalungiselelo mortgage nje phambi kwintlekele yoqoqosho iminyaka 2008-2011. Ngoku olu hlobo mboleko ayisebenzi ngenxa yokunqongophala kukuthembeka. Kodwa ke iibhanki ezibonelela nezivumelwano zokubambisa kungekho ntlawulo phantsi, athandwa kakhulu. Ngapha koko, asizizo zonke iintsapho isixa esikhulu kwangoko.

Kodwa ngoku uyakwazi ukuhlangabezana amaziko zemali ezinika nezivumelwano zokubambisa ngaphandle kwentlawulo phantsi, kodwa kuphela ipesenti liya kuba sisemi emikhulu. Ngamanye amaxesha kufuneka ukubonelela lo wammela ngohlobo lwezindlu ezikhoyo. Kwakhona, ukuba ezinye iimeko apho.

Isibonelelo izibambiso

Le ukhetho kuku sithenge indlu yesibini, xa kukho uhlobo izindlu. Kulo mzekelo, iibhanki zibonelela nezivumelwano zokubambisa, kodwa hayi yonke imali, kwaye ama-80%. Umzekelo, xa iindleko endlini kwezigidi ezisi-8 ziya kunikwa 10 million ..

Unako ukuthatha le ndawo ngokusebenzisa iikhredithi-2. Kuphela indlela kufuneka ithathwe kwenye ibhanki intlawulo yokuqala. Xa kunjalo, inkqubo nganye iya kuba yawo. Njengoko izibambiso idla kufuneka aveze ezinye indawo, imoto. Le ibhanki kufuneka ukuqinisekisa mboleki, ngenxa yaso nasiphi na isizathu, abakwazi ukuhlawula imali-mboleko.

lokuthenga

Ukuba unomdla nezivumelwano zokubambisa, apho ibhange kungcono ukuthatha? Uyacetyiswa ukuba uqhagamshelane namaziko aluqilima Russian. Kukho enye indlela - ukubonelela lokuthenga. Kule meko asilungiselelwanga wammela ngokohlobo lwezindlu. Iibhanki wababoleka imali ukuya 300-500 lamawaka engange, nto leyo eyaneleyo ukuze uthenge indlu, nokuba kwenye idolophu encinane. Kodwa mboleko ilungele yokuthenga izindlu ezithengiswayo kule lali.

Namhlanje, kukho ezininzi iinkqubo, kodwa esebenzayo inkoliso ingqalelo amabini kuphela - "Family Young" kunye capital ngosana. Ngokutsho kwakhe iinzuzo wathembisa kubaboleki ukwenzela ukwenza lula intlawulo yabo.

Le nkqubo 'usapho Young "

Apho ukufumana mortgage kwiintsapho abaselula? Kufuneka uqhagamshelane iibhanki ezisebenza kunye nenkqubo olukhethekileyo "Family Young". Kulo ukubonelela ngemali kubaboleki, kodwa eso sibini kufuneka ube neminyaka abancinane kwama-35. Iimeko ziquka abahlala kummandla ahlala iminyaka engaphezu kwama-10. Kodwa ngokuthatha inxaxheba kule nkqubo ukuxhasa imfuneko ukuze uhlawule imali kwi-mortgage ngomyinge we-20% yexabiso yepropati.

Elilungileyo ngokoMthetho mboleko ngenxa yenkqubo 'usapho Young "ezinikwa Sberbank. Egqithisileyo ka 11-12% ngonyaka, kwaye intlawulo yokuqala - 12% ye-mali. , Kufuneka ukulungiselela maxwebhu alandelayo ukuba zithathe inxaxheba kule program:

• zokundwendwela yabazali;
• izatifikethi zokuzalwa zabantwana;
• isiqinisekiso somtshato okanye mtshato;
• ingxelo engenayo;
• sisicatshulwa esithathwe indlu;
• iikopi ze-akhawunti;
• uxwebhu kwi ngekhaya;
• isenzo karhulumente yezindlu yonxunguphalo;
• incwadi ukukhonza njengobungqina ubukho okanye ukungabikho kwempahla.

Oku kuphela uluhlu esisiseko lwamaxwebhu, kodwa ibhanki ingafuna into enye. Zonke ii-arhente imithetho yolawulo.

Iimfuneko ababoleka imali

Nokuthathelwa indawo eMoscow nakwezinye izixeko Russian kwenziwa kuphela kubaboleki abazanelisayo ezi mfuno zilandelayo:

• ubudala - kuka-23 leminyaka ubudala nangaphantsi engama-65 ubudala;
• umsebenzi osisigxina ngaphezulu kweenyanga ezi-6;
• ilizwe apho ukwakhiwa kwezindlu ziya kwenziwa, kufuneka ukuba impahla umboleki.

Kwakhona, kungabakho eminye imiqathango mortgage. Uyacetyiswa ukuba ulithathe ngalo, amaziko zemali esekhosi enkulu. Phakathi amaziko okusemandleni ukuze kuqatshelwe Sberbank kunye VTB (Bank), zokubambisa e apho zinikwe amagama kakuhle. Ukuba ufuna mboleko encinane, kungcono ukuba isicelo i "Bank Agricultural".

ukuba athathe Apho bhetele-mboleko ukuba uyibeke phantsi izinga ukhuphiswano umdla? Kule meko kungenzeka ukuba athenge kwisibonda eflethini. Ngoko kobudala ubudala, ukuxatyiswa, indawo yomsebenzi. Kuyacetyiswa ukuba ukhethe ibhanki enkulu. Okunye buyanceda ukuthatha mortgage kwi 13-15% ngonyaka. Kodwa amaziko amaninzi idini mboleko kwi-23%, konke oko kuxhomekeka kwiimeko. Ezinye iibhanki ifuna abakhokele iziqinisekiso. Abe yinzalelwane okanye enye othandekayo.

Yintoni buchaphazela ipesenti

Nokuthathelwa indawo eMoscow nakwezinye izixeko Russian ziyafumaneka kwi umdla. Kuphela elinye iziko, kunokuba ezincinane, enye - phezulu. Ngaba ngokuqinisekileyo sinikele ingqalelo imiqathango yesivumelwano, ekubeni ichaphazele izinga lenzala.

On mboleko izibonelelo ezichaphazela iimfuno ezahlukeneyo, umzekelo, i-inshorensi. Ngokutsho le nkonzo iza kudityaniswa kule mali-mboleko isixa esikhulu. Kodwa inshorensi kwiintsuku ezili-14 umboleki ungala, konke oko kuxhomekeke umnqweno wakhe.

Yokuqingqa mortgage yentlawulo esetyenziswayo uhlobo Annuity lwentlawulo, ngenxa leyo kwandisa izinga lenzala. Kodwa abaninzi bakholelwa ukuba le nkqubo ukuhlaliswa inkunkuma ngokupheleleyo imali yentsapho. Ixesha elide mboleko, i asezantsi iintlawulo zenyanga.

Indlela ukuthatha mboleko ngexabiso eliphantsi

Apho kungcono ukuthatha ngaphandle-mboleko ukuba uthathe ithuba esezantsi-umdla? Ezi mboleko zinikelwe ezahlukeneyo beebhanki, ezi mfuno zilandelayo kuphela:

• Imbali HIV credit;
• ezinzile eliphezulu umsebenzi ohlawulayo;
• ngokubonelela inani elikhulu lwamaxwebhu;
• amathuba intlawulo yokuqala.

Ipesenti ibalwa ngokuxhomekeke lokuba nemali-mboleko kunye nobukhulu isavenge sokuqala. kwenzala usezantsi ofumanekayo kwiibhanki ezinkulu. amaziko ezincinci ngokuqhelekileyo ubunzima ukungazinzi, ngoko ezigqithisileyo kufuneka ukuba ube elikhulu.

Ibanki ezininzi zinika abathengi imigaqo-mboleko ngamnye. Ukuba wakhutshwa kukho mboleko kwixesha elizayo ukunika iimeko kakuhle ngakumbi. Kuphela abathengi wathembela iibhanki bazimisele ukukhupha mortgage kumazinga elifanelekileyo umdla.

iibhanki Top Russian

Phambi kokuba ugqibe ukuba athathe apho phandle-mboleko, kufuneka ufunde imigaqo kwiibhanki eziliqela. Umntu ngamnye ingqikelelo inzuzo kuxhomekeke kwizinto ezininzi. Abanye bazimisele ngokukhawuleza ahlawule imali-mboleko, ukuba ahlawule imali eninzi. Nangona abanye baya kuzuza lukhulu intlawulo encinane ngenyanga.

Savings Bank inikeza mortgage kwi-14.5%, kodwa kufuneka ahlawule intlawulo yokuqala ye-50%. Kuya kufuneka ukuba uhlawule imali kangangeminyaka eli-10. Ukuba ngaba ingxelo yengeniso, izinga liphuma kwi-15%. Ukuba, ke, ukuba ahlawule intlawulo yokuqala ye-30%, lo egqithisileyo iya kuba 15.5%.

Umdla anda meko zilandelayo:

• ukuba isivumelwano asityikitywanga ingaphelanga inyanga emva kokuqinisekisa mortgage;
• ekungaphumelelini inshorensi yobomi kunye nempilo.

inkqubo 'usapho Young "usebenza kwi Savings Bank. Intlawulo yokuqala kuyehla kwi-10%, kwaye ekuzalweni kuhlawulwe intsalela ityala lunqunyanyisiwe iminyaka emi-3. Ukuhlawula imali-mboleko, ungasebenzisa eyinkunzi ngosana.

VTB - ibhanki, i-mboleko efumaneka kwi indlela yayo yokuqeshwa ekhulwini, nto leyo evumela ukuba siqwalasele abanikela eyamkelekileyo. Ngokugqithisileyo yi 15.25%. Ipesenti ukunyuka kuphela xa ukungaphumeleli kwe-inshorensi yezempilo kunye nobomi.

Nokuthathelwa indawo ingakhutshwa kwi Alfa Bank. Apha, umthengi kufuneka ahlawule intlawulo yokuqala ye-50%, kwaye ukuba imali enikwa iminyaka ukuya ku-10. Ipesenti iya kuba yi-20%. Ukuba intlawulo yokuqala ye-30% ye ekwakhiweni, ixesha mortgage sidluliselwa engama-25. Egqithisileyo kwi mboleko kuya kufikelela kuma-21.1% ngonyaka ngamnye.

capital lokubeleka

De 2009, intlawulo yokuqala kufuneka yenziwe ngokusebenzisa eyinkunzi umzali. Ukuze usebenzise imali ayifuneki ukuba ukulinda lokuphumelela iminyaka emi-3 ukususela ekuzalweni umntwana wakhe wesibini.

Certificate ukuba isicelo irisithi ebhankini. Capital idluliselwe kwi Pension Fund emva kwakhona sokubhaliswa kwamalungelo obunini nomnini. Ukongezelela, kufuneka unikezele ingxelo ngalo isicelo, isatifikethi, isatifiketi-inshorensi pension.

iingenelo mortgage

Phambi kokuba mortgage kufuneka bafunde yonke nobubi bendlela isigqibo. Oko kuza kuthintela ezininzi iingxaki kwixesha elizayo. Iingcali ukuchonga iingenelo zilandelayo mortgage:

• ezithengiswayo iba impahla umboleki, nto leyo ukufumana yokuhlala apho, kwakunye ukubhalisa usapho lwakho;
• iimeko waqalisa ukusebenza ngo-2016, apho obolekayo kukho amathuba intlawulo yokuqala ngaphandle izohlwayo kunye nenzala;
• ubungakanani intlawulo yerenti kuyafana ebhodini, kodwa ubolekayo uba ngumnini;
• Ungasebenzisa inkqubo kukhuphiswano, umsebenzi wentlalo.

Ngokutsho kweengcali, imali-mboleko yokuthenga indlu kwintlekele yoqoqosho kuluncedo, ekubeni iibhanki ngeli xesha ukunika abaxhasi kunye neemeko ezingcono. Xa mortgages kukwakho nezingalunganga. Kufuneka wenze intlawulo yokuqala - 10-20% ye-mali. Le mvumelwano kuphothulwe ixesha elide, ukuba umthwalo ngokwasengqondweni umboleki. Ukuba ukhetha inkqubo ekunene, i-mboleko iza kuba inzuzo.