Housing mboleko - ngumthwalo okanye ithuba elikhulu

Ingxoxo-mpikiswano malunga nokuba okanye ukuthatha kwelona tyala ebhankini ukuthenga indlu okanye indlu ixesha elide owenziweyo kunye, mhlawumbi, baya kuba nasiphelo.

Izitha Mortgage bathi lo hlobo kubolekisa eRashiya enkabeni yalo - ubukhoboka, apho kubaboleki. Oku olubangelwa unezinga eliphezulu kakhulu inzala kwaye, ngenxa yoko, ubukhulu intlawulo yenyanga, le mizi-kwingeniso iyonke usapho Mhlawuli. Eneneni, amaxesha amaninzi ngaphantsi eYurophu nase-United States.

Kodwa abo bacinga ukuba uthathe imali-mboleko yezindlu, bayazi kakuhle zonke iingozi neengxaki ukuba nazo, kodwa cinga oku kungenzeka kuphela ukusombulula le ngxaki yezindlu. Eneneni, ukuthenga impahla kwiingxowa zazo awunako mnye, kuba abanye umbuzo lwabantu kwahlukile: bonke ubomi bakhe badlali okanye ahlawule i "umalume 'ukuba lokurenta izindlu ithemba lokuba le meko iya ukusombulula ngandlela ithile ngokwayo, okanye uboleke imali Bank kunye sihlale endlwini yakhe. Kubhekwa ngalo mbono, ingcamango kukuba ukufumana imali-mboleko ekhaya, engasayise ezimbi. Trite kodwa yinyani: yonke into isalamane.

Omnye yokuqala abaqala ukuqhelisela olu hlobo mboleko uye waba Sberbank. Housing mboleko apho ungafumana iimeko ndisaxomoloza. Ukongeza kwiinkqubo eziqhelekileyo, kukho ezikhethekileyo, umzekelo - ukuba refinance mboleko ezifunyenweyo ngaphambili. Kutshanje, imfuno phakathi kwabo abafumene lwezindlu mboleko mortgage kwiminyaka embalwa edlulileyo, ngeqondo elingaphezu uphawu ka-20% ngonyaka. Namhlanje, la manani zibonakala, yinto eningenakukholwa yiyo, kodwa kwiimeko ngelo xesha, omnye khetho alukho.

Kuphantsi kwaziphi iimeko apho unako ukufumana imali-mboleko yezindlu

Savings Bank, njengezinye amaziko ezemali, ludumzela imali yetyala, bobabini olubekwe yi indawo yokwenene ekhoyo, yaye lowo zithengiwe. Njengoko enye ingcaciso ekhoyo impahla umboleki sinokutshintshwa ingqalelo besibini.

Amazinga enzala asezantsi zidla yamanye amazwe. Xa engange iimeko ezininzi nomtsalane wacela ukuba iintsapho abaselula uceba ukuthatha mboleko yezindlu. Ngoko ke, lo engange kuya kufuneka ukuba uhlawule kwi-10% ngonyaka, kwaye elona xesha lininzi apho ukwazi ukuboleka imali, uneminyaka engama-30. Esi sipho sisebenza iintsapho apho ubudala ubuncinane omnye wabalingane ayidluli iminyaka engama-35. Njengoko intlawulo phantsi, ngoko ubukhulu nobuncinane yi% 10 kuphela ixabiso lepropati ezifunyenweyo.

Ukuba sithethe malunga kubaboleki, ogama ubudala ithe yaqabela phezu umgca iminyaka emashumi mathathu anantlanu, ukuba izinga lenzala kwi engange uyoqala uphawu-12% kuxhomekeke kudidi mboleko, oko kukuthi Akukhathaliseki phantsi ikhutshwa ntoni impahla ngayo. Ubungakanani Isavenge sokuqala kuluhlu ukususela ku-10 ukuya kwi-15%. Ngelo xesha, njengoko umthetho, oko zokuhlala mncinci, yaye amakhaya phantsi zokwakha ngaphezulu.

Ngokwemveli, iimali-mboleko zokuhlawulela iiprojekthi real estate phantsi kubaboleki zokwakha ixabisa kakhulu izindlu esele zenziwe. Kodwa lo mzuzu kwi Savings Bank iikota ezizodwa, apho ukungena ematyaleni ukuba kuthengwe akakafiki unikele yinto kuba phantse iimeko ngokufanayo into esithathwe ikhomishini karhulumente.

Okanye ukuba bafumane ikhredithi, oko Ngokuqinisekileyo ngamnye. Noko ke, ngenxa yokuba ukukhula ngokuthe ngcembe kwamaxabiso izindlu kuba ubomi ukugcina indlu okanye indlu yaye abazange ukufikelela usukelo lwayo.