Iibhanki ukunika nezivumelwano zokubambisa ngaphandle kwentlawulo phantsi? Ndingalufumana phi mortgage ngaphandle intlawulo phantsi?

Abaninzi ungathanda ukuhlala kwigumbi labo. Kodwa asinguye wonke umntu imali ukwenza intlawulo yokuqala. Ingaba kukho naziphi na ezinye nokuba mortgage kunokwenzeka ngaphandle kokuba intlawulo phantsi? Le ngasechwebeni eMoscow njengangoku ezahlukeneyo iinkqubo ukuthenga izindlu kubantu neminqweno ezahlukeneyo kunye nezakhono. Ngoko ke, abantu abaninzi abanomdla umba unako ngokukhuselekileyo ukuphendula kakuhle.

Intlawulo yokuqala. Ngaba uyidinga? Ngokuba yintoni?

Isibakala sokuba intlawulo yokuqala - umahluko phakathi kwexabiso-mboleko yemali kunye nexabiso lepropati ezifunyenwe, makwazeke abaninzi. Kodwa loo nto sonke siyazi ukuba kwiimeko ezininzi, ubukhulu balo ichaphazela izinga lenzala yemali-mboleko. I ezincinane intlawulo, kungona umngcipheko ebhankini-namahlandinyuka ngemali. Kunye nelinye elincinane isixa sentlawulo phantsi, phezulu izinga lenzala.

Ukuba ucinga ukuba akukho nanye kwiziko lamatyala akayi kukhanyisa imali iingozi ezinkulu ezinjalo, wena engalunganga. Okwangoku, mortgage yokwenene kakhulu ngaphandle kwentlawulo phantsi. Yeyiphi iibhanki akhuphe mboleko? konke kuxhomekeke koko software onayo.

Nemizi yabo? Isetyenziswa ukuthenga ezintsha! Nokuthathelwa indawo ngaphandle attachments

ipropati ekhoyo sebenza wammela mortgages. Kulo mzekelo, ungenza ulindele i-avareji ye-mali engadlulanga-70% yexabiso layo ziphicothwa. Isixa yokugqibela mboleko liya kuxhomekeka kumvuzo yomboleki.

Iibhanki ukunika nezivumelwano zokubambisa ngaphandle kwentlawulo phantsi? Yokhuseleko lwezindlu ziyafumaneka kwi "Bank of eMoscow" , ungenza amalungiselelo-mboleko ukuthenga indlu okanye indlu. ezithengiswayo zingathengwa kwi kokubini eziziiprayimari kwimarike eziziisekondari. imali mboleko - 500 lamawaka-60% yexabiso lwepropati ukhuseleko. Xa umlinganiselo wenzala kuxhomekeke kubungakanani mortgage mboleko ziyohluka kuluhlu ye 13.15% kwi 15.25%.

"Rosbank" yenza iprojekthi mboleko mortgage ekhoyo real estate ukunikezela. I 'mboleko real estate olubekwe yi izindlu akhoyo - RR "ikuvumela ukuba uthenge igumbi, indawo yokuhlala, indlu okanye umhlaba kwi ngesantya 12.6 ukuya 14.1% ngonyaka. Njengesibambiso ukuze indlu ingasetyenziswa, indlu ngamnye umhlaba okanye nje umhlaba. Ibhanki ukulungele ukuba akhuphe mortgage yenye imali elingagqithiyo-80% yexabiso inconywe real estate akananto. "Rosbank" - enye ezimbalwa ezibonelela ityala, isixa ongekho ngaphantsi kakhulu iindleko kwezindlu ezikhoyo.

Ukongeza, mortgage onjalo kukhutshwa i "Finance Bank Housing", "Svyaz-Bank", "Alfa-Bank" kunye nabanye abaninzi.

Mortgage ngaphandle kwentlawulo phantsi kunye nelungiselelo olongezelelweyo

Kukho elinye ithuba ubhaliso - ukubonelela besibini akananto.

Ndingalufumana phi mortgage ngaphandle kwentlawulo phantsi, kwanokunikela besibini, ezifana imoto? Okwangoku, le iibhanki musa kuninzi. Phakathi kwabo, "kuQoqosho Bank", "Bank of Communications" yaye "BystroBank".

In "Gazprombank" yinkqubo "Ukuphucula iimeko zokuphila." Le mortgage, xa usenza loo nto kufuna intlawulo yokuqala, kodwa phawu enye. Xa ufaka isivumelwano credit esithembisayo thina iinyanga 9 ukuthengisa ipropati akananto kunye nemali ukuze kuziswe isikolo ngetyala. Kulo mzekelo, imali kufuneka bungabi ngaphantsi kwe-15% yesibonelelo semali yezindlu ezithengiweyo.

processing mboleko phantsi kwe intlawulo yokuqala

Ezinye iimali-mboleko banks umba phantsi kweenkqubo ezizodwa 'ukufumana intlawulo sokuqala. " Kwangaxeshanye, belihlawula amatyala, uya kuba behlawulela mboleko ezimbini.

Iibhanki ukunika nezivumelwano zokubambisa ngaphandle kwentlawulo phantsi, eyenza endaweni okuthenga? Enyanisweni, imibutho ukuba ukulungele ukunika ngaphandle nezivumelwano zokubambisa phantsi mboleko ekhethekileyo intlawulo phantsi, hayi kangako. Le "Delta Credit" yaye "Mortgage Arhente eMoscow". Kungcono ukuba eli thuba ukucacisa lwo ibhanki yakhe, apho ufuna ukuhlela mboleko.

capital kubeleka. Sisebenzisa njenge intlawulo phantsi xa wenze mortgage

Ukuphucula imeko yezezindlu, ungasebenzisa eyinkunzi umzali. Iibhanki zikuvumela ukuba ungayisebenzisa njengendlela intlawulo phantsi mboleko. Noko ke, asingabo bonke amaziko zeentengo zemboleko ukusebenza naye.

Ngoko ke yintoni iibhanki zinika nezivumelwano zokubambisa kunye kungekho ntlawulo phantsi, ukuthatha endaweni capital umzali? Phakathi capital usapho idumileyo njengoko intlawulo yokuqala abafumana iibhanki "VTB 24" kunye Savings (phantsi-11% ne-14% ngokulandelelana). Le DeltaCredit yebhanki kungenzeka ukufumana i mortgage, ukuhlawula% 5 kuphela yeendleko kwezindlu.

Akunjalo kudala baqala unina ukusebenza iibhanki eyinkunzi "NomosBank" yaye "Primsotsbank", kodwa sele bakwazi ukutsala ingqalelo, ngenxa iimeko olunyanisekileyo zokufumana-mboleko.

Mortgage ngaphandle kokuba intlawulo phantsi sikhokelo imali ngokukhetha

Le mortgage iyafumaneka kwi inkqubo abolekisa concessional ngokuxhaphaza-mali karhulumente. Kodwa ke oko akuthethi ukuhlawula imali engaphezu kwe-10% yexabiso impahla. Ukongeza, le program ivumela ukuba ukuyila mboleko phantsi nokuphungulwa wenzala.

abolekisa Concessional kunokwenzeka phambi isiqinisekiso esingqina ilungelo lokufumana inkxaso-mali kwi ubukhulu ekhankanyiweyo. Olu xwebhu ekhutshwa liqumrhu eligunyazisiweyo zesifundo RF. Esi siqinisekiso sisebenza iinyanga ezintandathu.

Ngokuba zonke iibhanki ezithatha inxaxheba kule nkqubo, kukho uluhlu esemgangathweni amaxwebhu afunekayo xa usenza isicelo semali-mboleko. Ukuba bathathe inxaxheba lokubolekisa concessional kuyimfuneko ukungenisa isatifikethi-2-isihogo kwiinyanga ezintandathu zokugqibela. Ubungakanani kwintlawulo yenyanga kufuneka ingadluli 45% kwingeniso epheleleyo ye umboleki kunye nentsebenziswano obolekayo.

Iibhanki ukunika nezivumelwano zokubambisa ngaphandle kwentlawulo phantsi kolu phahla ezibolekisa ngokukhetha? Ezi mboleko usenokukhupha amahlakani AIZhK kuphela. Kwaye kummandla ngamnye uluhlu lwemibutho ezikunika mboleko ootitshala abatsha. Khetha ibhanki ekunene kwindawo HMLA.

Nokuthathelwa indawo ootitshala abatsha

Ootitshala, ogama ubudala abaneminyaka engaphantsi kwe-35 ukuze ufaneleke ukuba mboleko phantsi inkqubo abolekisa concessional. umyinge wenzala yoNyaka ka-8.5% ekufunyanweni zokuhlala kunye 10.5% ekufunyanweni indlu yangasese okanye indlu kwisigaba sokwakha.

Iibhanki ukunika nezivumelwano zokubambisa ngaphandle kwentlawulo phantsi kootitshala abatsha? E Moscow, uluhlu iprogram yamaqabane kuquka Interkommerts iibhanki ' "Bank" Petrocommerce ", JSC" Indlu abaKhuselekileyo ", JSC" Finance Bank Housing ".