Indlela yokuhlawula umboleko ngaphantsi koomelwane? I-Sberbank: imiqathango yokuthenga imali

Unokuba ngumnini wendlu yakho yentsapho, ungasebenzisi kuphela ukugcina kwakho, kodwa kunye neengxowa ezibolekwe nguSberbank. Imeko yokuboleka imali ayivumelekanga kuphela ukuthenga indawo yokuhlala, kodwa nokufumana indawo yokuhlala kwilizwe okanye indawo yokuhlala ehlobo, igaraji okanye indawo yokupaka yesithuthi sakho, isakhiwo selizwe seZSS, okanye uwakha indlu ngokwakho.

Ngexesha elifanayo, ungasebenzisa iindlela ezininzi zokunciphisa iindleko zokufumana imali ebolekileyo, kubandakanywa imali yemali yomzali, inxaxheba kwinkqubo yokubolekisa ngemali yomkhosi, kunye nezaphulelo zeentsapho ezincinci.

Uza kuba nexesha elingakanani lokubuyisela?

Imimiselo yokunikezelwa kwemali kwiBhanki yoSondlo namhlanje iyinxalenye enhle kakhulu kulabo abafuna ukuhlala kwindlu yabo okanye kwindlu yabo. Emva kwakho konke, unokuhamba ngokukhawuleza emva kokuthengiselana, kwaye uhlawule indlu-iminyaka engama-30. Okukuphela kwemali mboleko yezakhiwo ezintsha, ngokuchanekileyo, inxaxheba ekwakhiweni kwindlu engazange ithunyelwe - ayiyi kukwazi ukuhamba ngokukhawuleza, kwaye kuthatha iminyaka eyi-12 kuphela ukubuyisela imali leyo.

Ndingayithatha imali engakanani?

Isixa esiphezulu sokuboleka asikhethwe nguSberbank. Izimo zokubolekwa kwemali zithintela kuphela umyinge wexabiso lemali mboleko kwixabiso lepropati efunyenweyo. Apha awukwazi ukuthatha ngaphezulu kwama-85-90% wemali yokuhlola okuzimeleyo kwipropati, kungakhathaliseki ukuba yintoni intengiso ngokwakhe.

Kubalulekile ukuba iSberbank idinga inxalenye yemali yayo ekufuneka ihlawulwe ekuthengeni:

• Ukusukela kwi-10% yeendleko zayo ekuxhaseni ukuthengwa kwezindlu ezigqityiweyo kwimarike yesibini kunye nesakhiwo esitsha, kunye nokwakhiwa kwendlu yangasese okanye ukuthengwa kwegaraji;
• Ukusuka kwi-15% - kunye nokufumana i-mboleko ye-real estate ye-suburban;
• 0% - xa kuhlaziywa iimali-mboleko ezikhoyo ezivela kwezinye iibhanki. Ukuba le mboleko ikhutshwa ngu-Sberbank, imigaqo-mboleko iya kuba yinzuzo kakhulu.

Nantsi umgaqo usebenza - imali yakho eyongezelelweyo ingeniswe kwintengiselwano, ixabiso eliphantsi kunye nemigangatho yemboleko.

Ingakanani imali yokuthenga ngemali eSberbank?

I-Sberbank, enemigqaliselo yokubolekwa kwempahla ehambelana nxamnye neziphakamiso ezisele ezithengiswa kwimarike yokuboleka imali, ayiniki nje imali eninzi nje ixesha elide, kodwa iqinisekisa kwakhona imali encinci yokuhlawulwa kwemali mboleko. Izinga leenkqubo ezahlukeneyo kunye nabaxumi abahlukeneyo bahluka:

• Ngaphantsi kwe-10.5% ngonyaka iintsapho ezincinci kunye ne-servicemen zifumana imali;
• Kukhupha i-12% ngonyaka ngonyaka yonke imboleko ephezulu yokubolekwa kwemali;
• Ku-12.25% ngonyaka, kunokwenzeka ukuhlaziya imali-mboleko yezinye iibhanki;
• Ngaphantsi kwe-12,5% ngonyaka, kunokwenzeka ukwakha indlu yangasese.

Unokukhethwa kwemali eyahlukeneyo - iimeko zokufumana i-Sberbank isetyenziswe kuxhomekeka kwizinto ezininzi. Kusemandleni akho okuhlawula kunye nokukwazi ukuhlawula ngokukhawuleza kwiimbopheleleko eziceliwe, kunye ne-degree "yokuthandana" kunye nebhanki, ngaphantsi ngaphaya kangakanani kuya kufuneka uhlawule ukusebenzisa imali ebolekelwe.

Uya kufuneka usebenze kanzima ukubonisa ibhanki ukuthembeka kwakho kunye nokunyaniseka, ukuqokelela ulwazi oluyimfuneko, kodwa umthwalo kwibhajethi yakho uya kulungeleka kwaye unokuhlawula ngokulula kwaye lula kwi-mortgage.