Indlela ukunciphisa izinga kwi-mboleko kwi-Savings Bank? iindlela ezisisiseko ekunciphiseni imali umdla

Abemi abaninzi karhulumente wethu bayakwazi ukuthenga izindlu zabo kuphela kwi-mboleko. Kodwa mboleko cash enjalo zikhutshelwa kwi elide kakhulu, nto leyo ukufikelela iminyaka engamashumi amathathu. Ngeli xesha, kunokutshintsha ezininzi izinto, ukusukela kwimpilo zemali ngumthengi ebhankini kunye nesiphelo kunye nemeko yezoqoqosho kweli lizwe. Kulo mba, umbuzo ukunciphisa indlela inzala kwimali-mboleko kwi-Savings Bank, kakhulu ezifanelekileyo abantu abaninzi kweli lizwe. Ngapha koko, abaninzi basebenzisa iinkonzo eli ziko-mali ethile. Ukuwa kwamaxabiso zepropati kwiminyaka yakutshanje kakhulu, nokwadala inzala kwimali-mboleko.

nkqubo izinga lenzala

Okwangoku, abasebenzi ibhanki ziqinisekisa ngoku isantya ubuncinane kwi mboleko mortgage yi-8.9 ekhulwini. Le ngexabiso eliphantsi kakhulu etsala abathengi. Kodwa ke into yokuba hayi yonke imveliso ibhanki na iimeko enomtsalane kangaka.

Ukunyuselwa for izakhiwo ezintsha

I-Bhanki inika nokuthengwa kwezindlu mortgage kwimarike zaseprayimari. Okwangoku, amaziko zemali banikezela ngeemali-mboleko yezindlu le hlobo ngo-10.9 ekhulwini ngalinye ngonyaka. Kodwa ke indlela inkqubo yovavanyo, ngenxa apho atshintsha rhoqo ngokwe-mboleko. Kodwa ukuba indlela ilungelo umba, unako ukufunda ukunciphisa indlela inzala kwimali-mboleko kwi-Savings Bank ku-8.9 ekhulwini. Into yokuqala ekufuneka yenziwe ngumxhasi, ngayo ibhaliswe kwiziko ngekhompyutha bokwenyani estate Sberbank. Oku kuya ukufumana isaphulelo ka-0.5 ekhulwini. Inyathelo lesibini liya kuba ukufumana developer lowo usebenza ebhankini, yaye oko kuya kuvumela ukuze kuncitshiswe izinga kwi-mortgage akhawunti yakhe. Kukho nenye indlela ukuba zithathe inxaxheba kule projekthi lomvuzo. It luqondwa ukucoca ikhadi lomvuzo ebhankini, oko kuya kunika ithuba lokufumana isaphulelo se-0.3 ekhulwini. Kwaye, oko, oko njengenye yeenketho, ukunciphisa indlela izinga lenzala kwi mortgage lwakho Savings Bank.

market secondary

Ukuba umthengi igqibe ukuthenga mortgage amakhaya yesibini ngokusebenzisa ebhankini, umyinge wenzala ka-11.5 ekhulwini ngalinye ngonyaka. Ukuba inxaxheba kule projekthi omvuzo, kunokwenzeka ukunciphisa ukuba 0.25 pesenti. Kwakhona kwimeko zezindlu zasesekondari nga ukunciphisa izinga ukuya 10,75 ekhulwini ukuba mboleko kuthatha intsapho oselula, t. E. yobudala amaqabane ngaphantsi kweminyaka 35. Kodwa ukufumana isaphulelo kuya kwenzeka kuphela xa kukho abantwana entsatsheni. Le yenye yeendlela zokunciphisa indlela inzala kwimali-mboleko kwi-Savings Bank ekuzalweni.

izindlu ezithengiswayo kweli lizwe

Enye sipho ngaseludinini semali-mboleko mboleko kukuba ukuthenga izakhiwo esele zenziwe okanye iiprojekthi zokwakha engagqitywanga nokuzaliswa kwazo ngaphandle komzi. Kulo mzekelo, iimeko ubuncinane phantsi apho ibhanki uyavuma - kuba 11,75 ekhulwini ngalinye ngonyaka. Ke umntu lowo ke uya kukwazi ukufumana iindlela zokunciphisa iirhafu ngakumbi xa kuyimfuneko.

Mortgage empini

Savings Bank lisebenza ngokusondeleyo kunye nemibutho zomkhosi, ukuze abasebenzi bakwazi ukufumana nayiphi mortgage ekhaya phantsi ubuncinane umyinge wenzala ka-11,75%. Abantu abaninzi bayazibuza ukuba yokunciphisa mortgage umdla Sberbank, ukuba ndithe mna ukukhonza mali. zentengiselwano nganye iyodwa, kodwa akuba safunda ngenyameko yonke yokupasa kwabafundi kunye izaphulelo, nabani na pick up indawo evumayo ukunciphisa ubungakanani iintlawulo inzala kwi-mboleko.

Construction and capital lobuqu

Ukuba umxhasi uceba ukwakha indlu ukusuka ekuqaleni okanye indlu njengoko akananto ukusebenzisa imali zobuqu, ukuba unalo ithuba lokukhupha ngereyithi eyi-12.25 no-12.5 ekhulwini ngalinye ngonyaka ngokulandelelanayo. Kufuneka kuqatshelwe ukuba izinto zobuqu ingasetyenziswa kuyo nayiphi na inkqubo logcino yemali.

iimeko Kubalulekile ukuba kubaboleki

Ukuba umxhasi igqibe ukufumana-mboleko, kufuneka ube neminyaka-21 ubudala ngexesha wokufumana, kwaye ukuhlawula imali anayo ngokweminyaka yakhe 75. Kwiimeko apho kukho nto iqinisekisiwe zengqesho, kwaye ngumxhasi akaboneleli isampuli kwingxelo imivuzo, ubudala yokugqibela ukuhlawula imali-mboleko ayikwazi ngaphezu kweminyaka engama-65. Le Ngaphandle kuphela yi-mboleko ngenxa emkhosini, kukho umda engama-45 ubudala ngexesha buyiselo.

Elona Imali mboleko sokubambisa - amawaka, anamakhulu amathathu. Ixesha lokuhlawula iphezulu yiminyaka engama-30. Kule minyaka mihlanu idlulileyo, izigulana ezo kufuneka ube nonyaka omnye ubuncinane yezikhundla esemthethweni kunye nomsebenzi kwindawo yokugqibela, apho ndafumana umsebenzi ubuncinane kangangeenyanga ezintandathu. Ukuba amaqabane ungasuleleki umtshato, ilungu yesibini lentsapho kufuneka usebenze nje kwii-nye umnikimali nomamkelimali. Kufuneka kuqatshelwe ukuba co-kubaboleki akufuneki ibe ngaphezulu kwesithathu.

Kwakhona umxhasi kufuneka azise Bank of indawo yokuhlala esisigxina, ngokunjalo nezindlu, ezithengwe mortgage kufuneka ukuba abe umda reference wesebe Sberbank. 20 ekhulwini ixabiso ekuthengwe ngalo - kukuhlawulwa ubuncinane kwi-mboleko mboleko.

Zonke ezi meko ayisebenzi kuphela emkhosini. indawo yabo yokuhlala Akukhathaliseki, logama nje ukuba abemi Russian Federation kwaye bathatha inxaxheba kwinkqubo yemali lonyuselo.

iimeko zangaphandle eziphembelela izinga

iziko mali ngamnye kubalulekile ukuba iwonga ebalulekileyo ekuhlaleni. Ngoko ke, * ukungenisa iirhafu ezintsha ongezantsi, uwusondeza inzuzo engenakuphikwa kubathengi babo. Kubalulekile ukukhumbula ukuba eyona njongo ephambili ngemisebenzi neebhanki kunye neminye imibutho yorhwebo - kuba inzuzo. Kule nkalo, ukuncitshiswa kwesantya senzala kubangelwa ikakhulu-nkqubo yangaphakathi yeBhanki yaye yintoni ngoku imeko lwelizwe yezoqoqosho.

Central Bank of Russia buchaphazela zonke kwenzala kwimali-mboleko. Ukuba umxhamli nomdla umbuzo wokuba ingaba i-Savings Bank iye bazifinyeza kwenzala yemali kwindawo yokuqala ukujonga iindaba ezivela Central Bank. Oko kukuthi ukuhla kwixabiso iimali ezahlukeneyo imeko yezoqoqosho kweli lizwe ichaphazela ixabiso rates ezingundoqo inzala kwimali-mboleko. Kuquka impembelelo kunye nezinga lokwenyuka kwamaxabiso.

Kunye nenkxaso karhulumente, kukho iinkxaso-mali kurhulumente, nto leyo echaphazela ukuncitshiswa kwenzala. Zinyamezela ukuba, okoko nje inkqubo yenziwa karhulumente. Kakade ke, le misebenzi ixhomekeke ngqo kwi imeko yezoqoqosho kunye nengeniso, ezithi zifunyanwe kwishishini lokwakha. Inika impendulo yombuzo ukuba kunokwenzeka ukunciphisa inzala kwimali-mboleko. Sberbank kunciphisa amazinga yayo umdla nge 1.35% kulo nyaka, nto leyo kakhulu kwanciphisa iintlawulo umsebenzisi.

Nciphisa kwi ipesenti mortgages sele ikhona

Into yokuqala ekufuneka uyazile, kokukhona zesixa sentlawulo yokuqala kwi-mortgage, imfuneko encinane ngoko ikuhlawule. Umnqweno ukunciphisa izinga kunokwenzeka ngenxa yezizathu ezahlukeneyo. Kwaye kukho iindlela ezintathu ezisebenzayo kwi indlela yokunciphisa inzala kwimali-mboleko kwi-Savings Bank. Nguwuphi umthetho kuvumela ukwenza - umthetho federal umthetho ngo-2015. Kodwa ezi ndlela azikho inzuzo njengoko kusenokubonakala xa efika kuqala.

Ukwenza ngokutsha

Le nkqubo ifuna ukuba ukutshintsha imiqathango yesivumelwano waqukumbela kwangoko. Singasebenza kwiimeko apho umthengi batshintsha imeko yemali. Kwaye njengoko ukwehla yayo, kunye nokuphuculwa kwayo.

Ukuba umthengi yehlile ingeniso, engekangeni ibhanki ukunciphisa umthwalo kweentlawulo. Kwezinye iimeko, ibhanki kunabela ixesha yentlawulo kangangeminyaka eliqela, oko ke kusehlisa iintlawulo kulungisiwe. Kukho kwakhona ithuba lokufumana ziphole xa kuhlawulwe isixa oyintloko, iintlawulo inzala iya kuqhubeka. Ibhanki kwakhona wohlula inqununu ityala kunye nenzala, kodwa kule meko isixa inqununu umthengi uhlawula qho ngenyanga, kodwa inzala qho ngekota. Ungafumana ikhefu zemboleko, oko kukuthi, ixesha, isigulana eso sikhululwe iintlawulo rhoqo. Kwaye ke indlela yokugqibela, xa uthatha-mboleko kwi-Savings Bank njengepesenti asezantsi, oko ke akhuphe ishedyuli ngamnye.

Ngokuqhelekileyo, ixesha ngaphantsi ufuna ukubuyela ityala, inowuthi egqithisileyo kwi-mboleko. Kulo mba, phantse zonke kubaboleki uzama ukunciphisa kuyo. Ukuze wenze oku, uyakwazi maluqhutywe ngolu hlobo:

• Ukuba umxhasi unendlela zemali, oko ngokomkhethe ukubuyisa imali kwangaphambili. Ngokwendalo, ibhanki iya kunikela kwindawo yokuqala ukunciphisa isixa iintlawulo zenyanga, kodwa kungcono ukuba imali ekunciphiseni ixesha bentlawulo. Le yenye iinketho, ukunciphisa indlela izinga lenzala kwi mortgage lwakho Savings Bank. Oko kukuthi, iindleko lo zabathengi kuncitshiswe, yaye ngokukhawuleza ukuvala mboleko.
• Ukunciphisa ixesha mboleko ngokwandisa intlawulo yenyanga. Ukuze wenze oku, kufuneka unikeze ibhanki kunye onke amaxwebhu ayimfuneko ibhenca utshintsho kwi imeko yemali client.

Uhlenga - enye yezona ndlela isebenzayo ukunciphisa izinga kwi-mboleko kwi-Savings Bank ekuzalweni.

mboleko

Kodwa le ndlela alusoloko kuyingenelo lula. Phantse zonke iibhanki ngoku alinikele iiklayenti zazo, bethembisa amazinga aphantsi. Kodwa kukho izinto ezithile ukuba musa akunanze umthengi:

• Kufuneka ukuba ukuphinda-ukulungiselela onke amaxwebhu, kubandakanywa ngokutsha ukwenza uvavanyo welifa yokwenene, uhlawule umrhumo chaza, ukufumana inshorensi kunye like. Kwaye ukuba kuyimfuneko ukuba kubekho ukwehla kancinane izinga, kusenokwenzeka ukuba umthengi uya kuchitha ngaphezu ungafumana.
• Ukuba isivumelwano sele ezimiselweyo yanqumamisa isenzo esinjalo, inowuthi izinga ukuya ekupheleni akuyi kusebenza.
• Buyisela intlawulo inshorensi kwi mortgage ayikasebenzi, kuba yinkqubo enyanzelekileyo.
• Ukuba umxhasi ubuncinane kanye uqhekeza intlawulo, naziphi na amabango ukuya enkundleni ebhankini akayi kwaneliswa.

Ekubeni ingqalelo zonke iinketho, ukunciphisa indlela izinga lenzala kwi mortgage wakho Savings Bank, sinokugqiba ukuba kunokwenziwa, kodwa akusoloko inzuzo. Kwezinye iimeko, amaxabiso ephantsi iya kukhokelela ekuncipheni ematyaleni, kwabanye ukunciphisa akayi kuba ebonakalayo, kodwa iindleko eyilwe ngesibetho zaziligezela isipaji lesigulane eso. Iingcali Siyaleza kuqala aqhelane ukuthembisa ebhankini, ngenxa yokuba nayiphi na imveliso, onke amaziko ezemali yile kuluncedo, kodwa oko akuthethi nto. livavanya bonke Kuphela ngononophelo, unako ukusindisa.