Indlela ukuthengisa indlu kwi mortgage 'Savings "? Ngaba I ukuthengisa indlu kwi mortgage 'Savings "?

Kwiminyaka yakutshanje, inani labemi Russian sijongene imfuneko ekufunyanweni real estate yemali. Eyona nto kukuba le ndlela yeyona ezingabizi kakhulu. Ukuze ufumane-mboleko, uya kwenza yonke ubungozi, nto leyo cishe engenakwenzeka. Kaninzi kukho iimeko xa zithengwa kwi izindlu ngetyala kufuneka zithengiswe. Ngaba I ukuthengisa indlu kwi nezivumelwano zokubambisa "Savings Bank"?

Kutheni ukuthengisa zokuhlala phakathi mortgage?

Esona sizathu siphambili yokuthengisa izindlu ezithengiswayo ise-mortgage, ngoku kukungabikho kwemali ukuze ahlawule elo ityala lebhanki. Izizathu into kusenokubakho ezininzi. Apha izezona eqhelekileyo:

• ekunciphiseni umsebenzi lwangoku yomboleki;
• umahluko phakathi close, leyo kunye ukuhlawula mboleko ekhaya ;
• uqhawulo-mtshato;
• Ukufa kwesalamane wancedisa ukuyibuyisa le mali;
• ukhubazekile, xa ubolekayo wenze ngaphandle le-inshorensi.

Njengoko iibhanki athengisa mortgage ezithengiswayo

Xa umboleki akanawo kungenzeka ukuba ukuhlawula iintlawulo zokubambisa ngexesha, rhoqo kwendlela kuphela ngaphandle ke intengiso yezindlu kunye nokuthengwa omtsha, enganeno. Ukuthengisa indlu phantsi mortgage "Savings" kunokwenzeka, kodwa kufuneka zifunyanwe isigqibo esifanelekileyo.

Ibhanki unomdla yokuba iintlawulo ezifunyenweyo ngendlela ngexesha ngaphandle nobunjubaqa. Ngoko ke, ukuze kuthintelwe iimeko enjalo aphela rhoqo ukunceda kubaboleki ukuthengisa ipropati.

Ukuthengisa indlu nge-mboleko "Savings Bank", oko kuyimfuneko ukukhupha ikhontrakthi ekuthengisweni izindlu. Ukuba wathengisa indlu, ibhanki iya kwenza ingeniso, ngokuba ibuyise imali ekhutshwe ngaphambili kwaye ufumane umboleki entsha.

Ukususa isiSwahili

Ngokutsho Federal uMthetho "Kwi Mortgage" (amanqaku 29 no-33), njengoko ufakelwe izilungiso yi-2013, amalungelo obolekayo zezi:

• ukusebenza indawo, nto leyo eseliganiwe ebhankini;
• nolondolozo lomhlaba ifomu efanelekileyo yokuhlala.

IsiSwahili ebizwa ukuba abeke imiqathango umnini lungelo endalo ezahlukeneyo, edibene ithuba ukusebenzisa izindlu. Ukuba sithethe malunga mortgage, Nobolekayo unelungelo batshintshelwe amaqela esithathu bafumana indawo. Lo myalelo ilawulwa yi-Federal uMthetho 102 (kwiSiqendu №6). Njengomntu ngaphandle, sithatha kuphela xa ilifa.

Ukususa isiSwahili kuthetha ukuba umnini lungelo uya kungabi ukusuka ukwalelwa ukugqithiselwa kwempahla onokuyilahla ngayo njengoko uthanda. Susa umthwalo zokuhlala kuqiniswe kunokuba kuphela xa umboleki wafumana imvume ebhankini otyalwayo kwaye wachitha zonke iinkqubo ezinxulumene yokuthengisa.

Indlela ukuthengisa indlu, ezithengwe-mboleko, "Savings Bank", ngaphandle kwemvume

Isisombululo bank akufunwa ukuba umboleki sele isiSwahili. Xa umboleki nxamnye inxaxheba ebhankini xa ukuthengisa nemihlaba, kuyimfuneko ukuba uhlawule ityala osityala yona. Indlela ukuthengisa indlu kwi mortgage "Savings Bank" kule meko? Kukho iindlela ezimbini.

Umboleki unako ukuthatha enye imali, kodwa umthengi. Emva kokuba onke amaxwebhu ayimfuneko kwaye afumane imali kufuneka ukuba uhlawule ityala eseleyo kwi-mortgage iza kuqokelelwa. Emva koko ke ngokukhuselekileyo ukuqhubeka nokuthengiswa.

Ungafumana kwakhona & nbsp mthengi akoyiki ukuthatha imingcipheko yaye ukulungele ukuba kholwa "elithi" nomthengisi. Kulo mzekelo, irisithi yenziwe, njengoko apho umthengisi uthatha imali evela umthengi ukuba ukuhlawula imali-mboleko. Ngenxa yoko, kwentlawulo isusiwe. Nangona kunjalo, ezi abathengi bafumana kunzima kakhulu.

Indlela ukuthengisa indlu kunye isiSwahili (mortgage "Savings Bank"), ngaphandle kokuba imvume ifunyenwe

Ukuze uqalise ukuba umntu onjalo igosa ebhankini. Ukuba umboleki unako ukuza ngokufanelekileyo ukuze ezivezwa intengiso real estate yezizathu, ibhanki iya uye kumkhawulela, anikele eyona ndlela eyiyo yokusombulula le ngxaki.

Oku kulandelwa inkqubo belungiselela imvume ebhaliweyo yebhanki. Xa umthengi, umboleki kufuneka azise ibhanki malunga nokuthengiswa kunye zokuthenga iinkcukacha, njengoko kwisivumelwano ukubolekisa mortgage kusenokufuneka wenze utshintsho.

Mortgage empini

Indlela ukuthengisa indlu kwi mortgage "Savings Bank", ukuba imfazwe? umahluko Mortgage Military kukuba izivumelwano kwi wokubolekisa ngemali kunye nokuthembela mboleko zisayinwa ngexesha elifanayo. isivumelwano semali-mboleko ekujoliswe yezindlu kufuneka ihlolwe kwaye siququzelelwa ne-arhente "Rosvoenipoteka". eniza kuyithengisa indlu kwi mortgage kwi "Savings Bank" kwimeko enjalo - ingongoma moot. Ukusukela kuphunyezo ngokusesikweni kwe zonke iinkcukacha ezifunekayo njengoko kunye ebhankini; kunye "Rosvoenipotekoy" iingongoma ezibalulekileyo zezi:

• uhlobo lomsebenzi umthengi;
• iintlawulo Stage kwi-mboleko;
• nokuba ngumthengi ukubuyisela leyo iintlawulo zenyanga.

Intengiso ngaphandle inxaxheba ebhankini

Njengoko umboleki oyifunayo linokuyiqhuba lokuhambisa sentengiso igumbi ngokwabo, ngaphandle inxaxheba bhanki kule nkqubo. Xa umthengi kuyimfuneko:

• ukufumana isixa ematyaleni ukufumana inkcazo;
• ukuba bagqibe ngesivumelwano lokuqala ukuthenga impahla kunye ukuqinisekisa izivumelwano yakhe;
• ukuba uhlawule ityala ukusuka mali eyabelwe kumthengi, yonke imali kwangalaa mlinganiselo mnye ngexesha agcinwe kwibhokisi idipozithi ukhuseleko ;
• ukufumana amaxwebhu ukusuka ebhankini ukuze uphakamise le isiSwahili;
• isicelo regpalatu, isiSwahili isuswe emva kweentsuku 28;
• emva kokufumana amalungelo ukuba alahle kwipropati wokuphumeza ikhontrakthi zentengiso.

Oku kunokwenziwa arhente real estate. Kulo mzekelo, othengisayo akayi kungena kwi ingxoxo kunye lebhanki ukuqokelela amaxwebhu khangela kubathengi zokuhlala. Le miba iya kuqwalaselwa abasebenzi arhente. Kuba iinkonzo ezifana iya kuhlawuliswa kumyinge we-5-10% yeendleko zizonke kwezindlu.

Ukuthengiswa inxaxheba ebhankini

Ngumthengi kunye umthengisi iyasuswa ebisebhankini ezimbini kwiibhokisi imali ekhuselekileyo. Umthengi wabelana udibaniso ibe ngamaqela amabini, elinye kufuneka ukuba uhlawule ityala, owesibini uza kufumana emva intengiselwano nomthengisi. Ukufikelela kwi iiseli ziya kuba kunokwenzeka ukuba umthengisi phezu ntetho yesivumelwano ebhalisiweyo yentengiso nesatifiketi ilungelo kwipropati engashukumiyo. Ukuba deal ngenxa yezizathu okanye omnye akazange athabathe indawo, umthengi angarhoxa imali. Logama nje imali esefini kwibhokisi idipozithi regpalata kususa ndedwa ubunzima kwenzeka ubhaliso intengiselwano ngokusebenzisa izivumelwano, nto leyo ikhethwe yi mfani bank.

Amaxesha amaninzi musa athengise impahla, kunye mboleko, njengoko elo kwathengwa kuyo. Indlela ukuthengisa indlu, ibekwe mortgage, "Savings Bank", ukuba kukho mboleki entsha? Le nkqubo iyavumelana ebhankini, lo gama i-mboleki omtsha isicelo umlinganiselo omtsha kwi-mboleko. Umthengisi ifumana umahluko phakathi kwexabiso indlu and intsalela ityala.

Ukuba umthengi abe indlu yakho njengesiqinisekiso kwi-mboleko sokubambisa, kungcono ukwenza oko yebhanki enye. iqale inkqubo ebhankini entsha isoloko ngumsina.

Ukuhlawulwa kwerhafu on yokuthengisa real estate

Imithetho lokuhlawula irhafu yentengiso mortgage lwezindlu ngaloo usebenza intengiso zokuhlala, nto leyo esele ephethwe. Ukuba indlu liphethwe akukho iminyaka engaphezu kwama-3, ngoko ke umthengisi-umboleki uhlawula irhafu yokuthengisa. Ukuba, ke, ukususela ekufunyanweni amalungelo obunini sele kudlule iminyaka engaphezu kwama-3, ukusuka irhafu kumthengisi uxolelwa.

kubalulekile

Indlela ukuthengisa indlu kwi "Savings Bank" mortgage kwaye ukulahlekelwa imali eyenziwe? Oku kunika umdla kakhulu umsebenzi onzima, kuba yezindlu mboleko buthengiswa, ngokuqhelekileyo ngamaxabiso aphantsi. Ukuthengiswa mortgage eflethini ithatha ixesha elide kakhulu kwaye ufuna ukuqokelela isixa esikhulu amaxwebhu kunye intlawulo yenziwe ngemali. eziyingozi abavumi ukuba abathengi abaninzi ezinokwenzeka. Intengiso mortgage nemihlaba sime iindleko ngokwanelisayo phezulu.

"Savings Bank", kwakunye naliphi na elinye iziko ngetyala, ngokuyimfuneko uya kuvelisa itransekshini kulawulo kuzo zonke izigaba. Ngaphandle koncedo yetyala yangoku lebhanki akunakwenzeka ukuba babhalise imvumelwano yokuthengisa yi "Rosreestr". Ukuba zezindlu ezakhiwayo zathengiswa ngokuhlaziywa kwesivumelwano equity (assignment amalungelo), ngoko ke ibhanki ziyabhatalisa umrhumo we-1% ye-komlinganiselo osisabelo sazo ukulungiselela ukuthenga kwezindlu. Zonke izigaba intengiselwano kufuneka zibhalwe kwisivumelwano kwi-mboleko.

Indlela ukuthengisa indlu kwi nezivumelwano zokubambisa "Savings Bank"? Le nkqubo inzima kunye nexesha-ukutya efuna ixabiso elikhulu kakhulu kunye nexesha. Nangona kunjalo, ukuba kukho isigqibo sokugqibela malunga intengiso yezindlu mortgage, kusenokwenzeka. nezahlulo ezinjalo eyingozi kakhulu, ngoko iindleko zokuhlala mortgage kwimarike usezantsi kakhulu, kwaye abathengi bazimisele kangako ukuba bathathe izindlu ezinjalo.