Indlela ukuthenga indlu indlu? zokuhlala Insurance mortgage

Enye bevidiyo square elixabisekileyo ufumana isipho, abanye iminyaka emininzi, sixinene kumakhaya abazali kunye nabanye ukuba isonjululwe ukwenzela ukuthenga emakhayeni abo. Noko ke, nasemva ukuqokelela yonke imali, ezithengiswayo akusoloko kulula ukufumana. Ngenxa yesi sizathu, yaye kuya kusanda ngokwanda abantu kufumana kwanyanzeleka ukuba athenge indlu kwi mboleko.

Nobubi mboleko yezindlu

Phambi kokuba athathe i mortgage phezu eflethini, maziqwalasele ngenyameko enkulu kwaye inobunzima imiphumo eli nyathelo kunokwenzeka. Into yokuqala ukuba sihlale sikhumbula ukuba umthwalo iintlawulo zokubambisa kwiminyaka 10-30 yobomi ngakumbi kukhatshwa ezigqithisileyo umdla ebalulekileyo. Iindleko zenyanga eninzi imali iya kubangela destabilization ngemeko yemali iintsapho ezininzi. Kwaye asinguye wonke umntu akwazi ukumelana uvavanyo enjalo engqondweni. Ngaphezu koko, ngaphambi kokuba benze izigqibo njengenyathelo elibalulekileyo enjalo, kufuneka ucinge ukuthembeka ekhoyo ngalo mzuzu yethemba emsebenzini kunye nomsebenzi.

Mhlawumbi kufanelekile ukuba elinye ukuthenga indawo yokuhlala okwethutyana? Nsinya nale kakhulu akusiyiyo kuyimfuneko, ngenxa yokuba amaxabiso lwezindlu ikhula ngokukhawuleza kakhulu. Kwimeko apho umboleki enokwenzeka uhlala kwindlu eqeshiweyo, oku kwakhona kubalulekile ukucinga malunga nokunyuka kwexabiso kunye neendleko kwerente. Ngapha koko, utyalo-mboleko, byi ukuba ipropati yabo, kunokuba yomnye umntu.

Ikakhulu mboleko yezindlu

Umntu okhetha ukuba akhuphe isivumelwano sokubambisa, kuyimfuneko ukuba bacinge ngokuba injani na uhlobo lwezindlu bafuna yaye bakwazi ukuba. Iibhanki zinika iindlela ezininzi apho ukuthenga indawo nendlela. Thenga indlu kwi mortgage ngoku kuba kurhwebo lokuqala okanye ezenqanaba lesibini. Kwakhona, akukho ngozi iya kuba wayeqhelene iimeko ezizodwa loyilo yayo.

mboleko yezindlu, njengayo nayiphi na, ingachazwa kwikota yokuqala sivuthiwe yakhe kunye nezinga lenzala. attribute zayo ezithile i kukho intlawulo yokuqala, imali leyo ingohluka ngokuxhomekeke kwiimeko ze-mboleko kunye nomthamo yomboleki.

Ukuba bakhethe izimo best kufuneka ukukhangela onke amaziko abolekisa. Eyona umdla Kuyimfuneko ukuba ilungiswe ngokobuqu. abasebenzi Bank enika ulwazi malunga ubukhulu sityholo wentlawulo yokuqala kunye nexabiso lepropati, uyakwazi ukufumana iyilwe ngendlela ethile kwishedyuli intlawulo.

Malunga kwimakethe yezindlu ekhoyo

Eyona ndlela iphambili ukuthenga izindlu ezithengiswayo kwizakhiwo ezitsha. Amaxabiso for ezindlini ezinjalo ephantsi, kodwa kule meko oko kuyimfuneko ukuze bakuthathele ingqalelo imigibe ekhoyo:

• Inkqubo elide yokungena kwipropati. Ngenxa yesi sizathu, asizizo zonke umbolekisi ukulungele ukuba uboleke indlu kwisakhiwo esitsha.
• izindlu ezintsha kwi zigaba zokuqala zokwakha ayikho ukulungele ukuhamba, okanye wegqitha ubhaliso karhulumente yaye, ke ngoko, ngokusemthethweni ukuba ayikho. Konke oku kungabangela imiba umboleki kuba imali unikwe ibheyile wathenga ezithengiswayo.

Kwimeko nokufunyanwa izindlu kwimarike zasesekondari, zonke iziphene zonke ngobuwena yokuqala eceleni. Iibhanki ababaxhasayo ngakumbi kule meko, kodwa apha kukho imithetho: ukuthenga indlu ibe kwindlu endala okanye yonxunguphalo, kufuneka sihlanganiswe zonxibelelwano. Kufuneka kwakhona ngaphandle into yokuba ngokuyibeka rent. Thenga izindlu Aninakumkhonza njengesiqinisekiso sokuba ezinye iimali-mboleko.

Isisombululo yezindlu umba zomkhosi

Ukwenzela ukubonelela izindlu ngenxa emkhosini kunye neentsapho zabo ngoku imisebenzi yenziwa umongameli inkqubo federal. Oku kusebenza kakuhle ngokusekelwe yokonga kunye mortgage inkqubo eyenzelwe ngokukodwa, esibonelela ukuvulwa kunye nolawulo lwe-akhawunti ngamnye imali abantu bakhonza Ibutho lemvumelwano.

Ngaloo mali ezigcinwe zingasetyenziswa yokuthenga izindlu emkhosini kuphela. zixa Capacity ngenxa lwenzeka ngokwesiseko nomthamo iminikelo zonyaka kunye ubude umntu othile kule program. Kwiminyaka emithathu emva kokuba bangene lijoni lakhe lifumana ilungelo lokusebenzisa imali zabo ukuthenga indlu mortgage emkhosini. Kule meko sithetha ezahlukeneyo okhethekileyo ngetyala, ebizwa-mboleko yezindlu target. Akukho izithintelo zabasebenzi zomkhosi ekukhetheni ipropati ayikho. imali Eminye kule program iya kusetyenziselwa ukuhlawula ityala kwi-mboleko.

Le program lokubolekisa iintsapho abatsha

Olunye udidi lowo unelungelo lokuba benefits xa uthenga i yokuhlala - intsapho oselula. Kubo, namhlanje kwakhona ucwangciso olukhethekileyo karhulumente esebenza. Abantu abaye baba nxaxheba bayo, ukongeza iimeko ilungelo ngetyala, ukufumana inkxaso-mali kurhulumente, nto leyo iba yinxalenye intlawulo phantsi.

Kukho iimeko ezithile ukuba zingene kwinkqubo federal, awothi indlu mortgage zingathengwa ngokwesiseko sokukhetha. Usapho entsha ufuna ukuba iqela kuyo, kufuneka ukuba kufezekise ezi mfuno zilandelayo:

• Ukuya eminyakeni wabalingane ayidluli iminyaka engama-35.
• Siqulunqe ngendlela ethile kuqinisekiswa yi imivuzo yenyanga ubuncinane eyi.
• Fumana ukwamkelwa ngokusemthethweni imfuneko ukuphucula iimeko zokuhlala.
• Ukulondoloza imali ukuba ahlawule intlawulo ezantsi ubuncinane - 10%.

Ukongeza kule nkqubo ikhankanywe federal, iintsapho abaselula sinokuzuza iingcaphulo mortgage belijolise kwibhanki zorhwebo. Bathi zinika ezinye izibonelelo kwezi ndidi abemi. Loo ukhetho yokuthenga indlu kwakhona into ekufaneleke ukuba siyicinge, ekubeni inxaxheba kunzima kakhulu ukufikelela kwinkqubo karhulumente.

Nokuthathelwa indawo kwi izindlu ezithengiswayo

Ukuba mboleki sele nayiphi na ipropati, yena ungayisebenzisa njengendlela akananto thenga elitsha. Imibutho Credit idla ngokuba sengqondo kakhulu elihle isindululo esinjalo, njengoko ukunciphisa kakhulu umngcipheko zabo. Ukusilela kufuneka kulindeleke kuphela kwi imeko xa indlu abantwana ebhalisiweyo, njengoko lungiselelo ishenxisa kwakhona impahla mortgaged.

Kukho ezimbini iindlela ukuthenga ngayo indlu kwi mortgage ngoncedo kwezindlu ekhoyo ngaloo lula ngokwabo iimeko ukuze bafumane imali ebolekiweyo okanye intlawulo yetyala:

• Umntu okhetha ukuba akhuphe ngetyala, akwenziwanga kwaba eqinisekiswe ngokusemthethweni ingeniso. Kulo meko, ibhanki unokwenza yokuNyenyisa imiQathango kwaye anike imali olubekwe yi izindlu ezikhoyo.
• Le ndoda ngoncedo lwe-mboleko ufuna ukuphucula iimeko zabo zokuphila. Apha, iibhanki ngokuqhelekileyo zinika abaxhasi bafumana mboleko olubekwe yi kwipropati, nto leyo eya kuthengiswa ngoko. Emva kokuba ukuphunyezwa izindlu amahasa ityala kuncitshiswa iindleko kwayo.

Ngubani nokuba njani ukufumana imali-mboleko?

Ngokomthetho, abe ngumnikazi indlu kwi mortgage babe ngabemi Russian ubudala ukusebenza ukususela kwiminyaka eli-18 ukuya 55. Ukuze wenze oku, umele isicelo ebhankini ekhethiweyo ngokuthatha iphakheji pre-ezilungiselelwe zamaxwebhu ukuqinisekisa ukuba ungubani ummi, imfundo yakhe, ubukho umsebenzi osisigxina, aveze ingeniso yakhe, ukunika ulwazi kwezinye iikhredithi ezikhoyo, kwakunye sibonelelo bathenga indawo. Xa isiseko yabo isicelo-mboleko.

I-Bank angala ummi ngaphandle kokuba kukho uqinisekile ukuba uza kukwazi ukuhlawula nezibophelelo zawo. Iqinisekisa umba ophambili apha liya kuba ingcaciso malunga nengeniso yakhe kunye namava omsebenzi. Kwezinye iimeko, ngokuba isigqibo esifanelekileyo abanokufuna uncedo guarantors. Emva kokuba ethe wasiqwalasela isicelo eso kwakunye namaxwebhu aqhotyoshelweyo noko ziingcali Bank unikwa impendulo sokugqibela imvume okanye sokwala ukunikezela mboleko loo mntu.

Iimpawu yesivumelwano mortgage

Kwimeko zihambe kakuhle senziwa isivumelwano sokubambisa, njengoko apho ibhanki unika imali obolekayo ukuthenga ibheyile ezithengiswayo ngokwayo. Olu xwebhu kufuneka siquke zonke iinkcukacha intengiselwano wenziwe, kuqukwa namalungelo kunye noxanduva zamaqela. iimpawu eziphambili ukuthengwa kwesivumelwano sokuhlala mortgage zimi ngolu hlobo lulandelayo:

• iindleko eziqikelelwayo.
• Igalelo lokuqala.
• Indawo.
• Ubukhulu.
• base ubunini.

Ngokukodwa amalungelo kunye neemfanelo zamaqela ku yingisela na ukungabikho imiqathango ekusetyenzisweni kwe-asethi yebhanki leyo. Fumana ngummi mboleko unalo ithuba lokuphila, ukulungisa, ukwabela impahla. Yena akakwazi ukwala ukwenza iimfanelo phantsi isivumelwano, ngoxa sihlawule iindleko ezipheleleyo indlu, kunye neendleko ibhanki yakhe.

Insurance mortgage

Nam ke iziko yezimali ukunika imali yokuthenga izindlu ngaphandle ubhaliso amaxwebhu afanelekileyo inshorensi. Iintshukumo lokuqala ezo zijolise ukunciphisa imingcipheko zayo. Kuba mboleko ikhaya kungafuna kwigumbi inshorensi kwi-mortgage, amalungelo empahla kuyo, ubomi, impilo kunye obolekayo nokukhubazeka. Eyokuqala inyanzelekile ngokungqinelana nomthetho ngoku, kodwa ke kungekho eseleyo ebhankini unelungelo lokwala nasiphina imali ebolekiweyo.

Fumana zonke ezi nkonzo kulula. Ukuze wenze oku, yiya nayiphi na inkampani ye-inshorensi leyo libandakanywe mortgage yokubolekisa. Ngokuqhelekileyo, ubhaliso onke amaxwebhu iphakheji ixabisa ngaphezu kwe-2% yeendleko kwezindlu ezithengiweyo. Kukho iimeko ekufuneka kuxhokonxa umboleki unelungelo kwakhona ukunqumamisa ikhontrakthi inshorensi ukubuyisela inxalenye engafunwanga kwentlawulo kuwo, umzekelo, intlawulo yokuqala kwetyala kwi-mboleko okanye ukuthengiswa endlini mortgage.

amabango inshorensi kunokwenzeka

uhlobo ngalunye inshorensi kusetyenziswa xa usenza isicelo semali-mboleko ukuba yokuhlala, unesethi kwiimeko ezithile, kukuvela obuquka ukwenza iintlawulo phantsi kwesivumelwano;

• Property ekhonza wammela le mboleko leyo ngokupheleleyo okanye ngokungaphelelanga kutshatyalaliswa ngozi, umzekelo, uqhushumbo yabathengi, umlilo okanye Gulf. Kulo mzekelo, umbolekisi unelungelo ukubuyisela kwangethuba ngeendleko imali ehlawulwa yinkampani ye-inshorensi. intlawulo phantsi isixa isivumelwano inshorensi zingasetyenziswa kwakhona nokubuyiswa kwipropati achaphazelekayo.
• Ukufa komntu, ukuba akhuphe isivumelwano sokubambisa, kwakunye njengosuku lokuqaphela ukubaluleka incapacity wakhe ngenxa ulwabiwo of Group I okanye II ukukhubazeka. Ukuba enye yezi meko, kukho intlawulo engaphezulu kwamatyala mortgage oluqhutywa phaya ngendleko insurer. Umboleki okanye neendlalifa zakhe zibe abanikazi ngokupheleleyo.
• Ukuqaphela izindlu yentengo intengiselwano olungasebenziyo ngenxa yokulahlekelwa bobunini kuyo. Apha, inkampani yeinshorensi linyanzelekile ukuba ahlawule umonakalo kwi-mali ixabiso lemalike lepropati.

amatyala inshorensi ekhubekisayo awanyanzele umboleki ukuba ukwazisa ngale inkampani ebhankini kunye ne-inshorensi.

Ngoko ke, ngaphambi kokuba uthenge indlu kwi mortgage, kuyimfuneko ukuhlola imeko yangoku imarike ukubolekisa yezindlu: imiqathango ekhoyo kunye nemiqathango, iinkqubo ezikhoyo inzuzo, amaxwebhu ayimfuneko. Le ndlela kubalulekile kuba ukunceda umboleki kunye nokukhethwa zezona ndlela zokuhamba mboleko ekhaya kukuphelisa iingxaki ukwenzeka kuyilo yayo.