Inshorensi Mortgage: ncomo. inshorensi mortgage

inshorensi Mortgage kuyimfuneko xa uthenga nemihlaba ngetyala. Xa ukhupha mboleko banks obolekayo babeka imfuneko olongezelelweyo - ukuthengwa-inshorensi yemali.

Federal uMthetho "On Mortgage (mortgage)" ufuna inshorensi olusisinyanzelo kwepropati ukusuka umonakalo kwintshabalalo. Xa mboleko, iibhanki abaninzi efuna inshorensi ezongezelelweyo okanye comprehensive ukunciphisa imingcipheko zabo.

Kutheni ndidinga i-inshorensi?

Mortgage - mboleko kuba thuba lide phantsi ipesenteji ubuncinane. Ngoko ke, iibhanki bafuna ukunciphisa ingozi amatyala amabi, ayisondeze inshorensi olubanzi mortgage. Injongo ye-inshorensi izakhiwo na isitshixo, oko kukuthi flat. Kodwa ngokhuseleko ngokupheleleyo iibhanki bakhetha kubathengi ukuze inshorensi ubomi babo kunye nezempilo, kwakunye esichengeni amalungelo obunini.

Ngokuba ngubani sazilahla iinkqubo ezongezelelweyo bayayenza kwenzala ephezulu. Kodwa uninzi zonke kubaboleki ngokwabo ukuqonda ukuba ebomini nantoni na enokwenzeka, kwaye ngenisa ngokuzithandela kwizivumelwano ezongezelelweyo ze-inshorensi yobomi kunye nempilo.

Njengoko le -inshorensi isihloko, oko awusebenzi kuphela izindlu, kuthengwe kwimarike aphakamileyo, kodwa kwizakhiwo ezitsha. Kukho iimeko iingxaki kunye nabanini zangaphambili zokuhlala, kunye nokuthengiswa kabini zokuhlala ukuze kwakhiwe. Kule hlobo umnini-inshorensi entsha kufuneka kuphela kwiminyaka emi-3 yokuqala, phambi kokuphela kwethuba umda imicimbi real estate umngeni.

Ezicacileyo ze insurance mortgage

inshorensi mortgage loan na ezinye iimpawu ezikhethekileyo. Isivumelwano kunye kwinkampani ye-inshorensi evuna sokweletwayo, okt umntana, ngubani oza kufumana lokumiswa-inshorensi, i ibhanki, hayi mboleki. Ngoko ke, isixa-inshorensi, ngokuqhelekileyo ingqamana ubungakanani-mboleko.

Isixa-mali setyala ebegqwese lifinyele, yaye ngenxa yoko kuncitshiswa iindleko nkqubo. Kwimeko-inshorensi ebhankini ifumana imbuyekezo kwimali-mboleko sivunyiwe kwaye umnini propati ulahlekelwa imali utyalo ngokwazo, kuquka Intlawulo yokuqala. Ukuze uphephe oku, ungenza wenze isivumelwano se-inshorensi ixabiso elipheleleyo indlu. Koko umnini wayo uya kuba imali inxalenye yabo isixa-inshorensi.

Iimeko ezinjalo zenziwa iinkampani ezininzi, kuquka i "VTB Insurance". inshorensi Mortgage inokuba ukhuseleko zombini yibhanki kunye obolekayo.

iinzuzo loan

Okokuqala inshorensi mortgage likhusela ibhanki kwilahleko ezinokuvela ngenxa engagqibekanga yomboleki. Idlala indima ebalulekileyo kwiimeko apho intengiso ngummeli wowona akwenzeki okanye akawuvingca isixa ngokupheleleyo ityala.

Ngenxa uba iyafumaneka kubantu ngakumbi ubukho inshorensi mortgage kwi ipesenti yabo incinane.

inshorensi impahla

inshorensi Mortgage kwindawo yokuqala kuthetha ukhuseleko izibambiso. Injongo inshorensi kulo mzekelo unokwenza iziqalelo zoyilo kunye ingaphakathi igumbi.

Omnye ezibambe kule bathengi i "Rosgosstrakh". inshorensi Mortgage kule nkampani iquka uluhlu olubanzi yamabango inshorensi kunokwenzeka. Ngokuqhelekileyo, loo nto ngumlilo, uqhushumbo, izikhukula, umbane, iintlekele zemvelo, izenzo ezingekho mthethweni zabangeneleli, iziphene uyilo njalo njalo.

inshorensi yobomi

Ezinye iibhanki nimane inshorensi yobomi kunye nempilo obolekayo. Le inshorensi iquka ubungozi zilandelayo:

• ukulahleka okwethutyana sokukhubazeka;
• ukukhubazeka isigxina kunye nokusekwa kwe yokukhubazeka;
• ukufa.

Xa imthetho kusenokufuneka axilongwe. Ukuba oku kuya andibhaqwa ezisongela ubomi nempilo umxhasi, iindleko inshorensi lungandiswa.

inshorensi isihloko

Olu hlobo lwe-inshorensi esichengeni amalungelo obunini njengenxalenye yeprogram ebanzi inshorensi. UMboleki ukhuseleko esichengeni amalungelo obunini, ukuba umngeni liqela lesithathu. Phantsi kweemeko zangoku, le nkonzo efanelekileyo kakhulu kwaye ukunceda ukukhusela nxamnye nobuqhetseba ngumthengisi kwepropati. Kwezinye iimeko, khangela ukusulungeka ngokwasemthethweni ikhaya kuba nzima.

Ixabiso kunye neemeko

inshorensi ethwala i-inshorensi yemali. Ukuphonononga abonisa ukuba iindleko lokugqibela ziya kwahluka ngokuxhomekeke inkampani. Akukho mfuneko yokuba ukungena kwisivumelwano kunye isivakalisi lokuqala le-inshorensi, kungcono ukufunda malunga iimeko kunye nexabiso ofisi ubuncinane ezimbalwa. Ibhanki ibonelela umboleki kuluhlu lwe-inshorensi esekhosi, equka abadlali ezinkulu zorhwebo, umzekelo, "VTB Insurance".

inshorensi Mortgage lwenziwa kwi lonke ithuba lemvumelwano yemali. Isixa-inshorensi imiselwe lilingane isixa-mboleko, kunyuke nge-10% nangaphezulu. Xa isicelo sempahla mboleki sinokutshintshwa inshorensi iindleko ngokupheleleyo.

Nyaka ngamnye, kufuneka ahlawule-inshorensi. isayizi yazo kuya kuncipha nanjengoko intlawulo mboleko. Kwakhona, ixabiso ipremiyamu kuxhomekeke kubungakanani benefits, ixabiso ubudala inshorensi, uhlobo sisivumelwano kunye zinto ezifunyanwa, inani kubaboleki.

Ixabiso le-inshorensi nkqubo uzimisele ngamnye kuxhomekeka zinto zikhankanywe ngasentla. Kuba mboleki-inshorensi mortgage liya kuxabisa malunga 1.5-2% kubalwa-inshorensi. Oku amaxabiso inshorensi ezibanzi, eziquka phantse zonke iingozi kunokwenzeka.

Imvumelwano inshorensi uya kukhutshwa imini emva kokungeniswa amaxwebhu kunye izicelo.

Iintshukumo kwimeko-inshorensi

Ukuba isiganeko benefits, umsebenzi yokuqala umboleki - azise inkampani ye-inshorensi kunye yebhanki. Ngaloo mechanism inshorensi luqaliweyo. Njengoko umxhamli, oko kukuthi, abo baya kufumana imali, i ibhanki liboleke abanye, ngoko yonke imibuzo iza usingethwe kwelona nqanaba kwiziko lemali. Nangona kunjalo, umboleki kufuneka sibe nomdla kwinkqubela yenkqubo.

kubaboleki abaninzi bayoyika ukuba imali ehlawulwa yinkampani ye-inshorensi, akwanelanga ukuba agubungele ityala ngokupheleleyo. Banking and Insurance iingcali zithi ukuba isenzeko kwimeko enjalo akunakwenzeka. Ngenxa kut- imvumelwano inshorensi iya kuvumelana ngokwexabiso ityala yonke imfuyo yaqukwa kwi-nkqubo.

Ndingakwazi ukuphuma inshorensi

inshorensi Mortgage - i mfuneko, oko kusengqiqweni. Noko ke, kubaboleki abaninzi badla ukugcina imali kwaye uphephe ikhontrakthi inshorensi. Ukuba ukusilela lokuqala esongela ekunyuseni izinga lenzala kwi-mboleko, ukwala ukuhlawula ipremiyamu elandelayo inshorensi unokuba nemiphumela emibi kakhulu.

Iibhanki uchaze ithuba yokusilela ngesiquphe-inshorensi kwisivumelwano semali-mboleko. Kuba Kwiimeko ezinjalo, ulungiselela ukwayo, kwaye pretty ezinzima. Ibhanki angafuna nje ngexesha elinye-nokubuyiselwa zonke amatyala eseleyo.

Ukuba oyifunayo, umboleki unako ukutshintsha kwinkampani ye-inshorensi. Umviwa entsha kufuneka kuvunyelwane ebhankini. amaziko abolekisa musa basebenzisane zonke iinkampani ze-inshorensi, yaye kuphela nje enkulu. Ngoko ke, i-inshorensi entsha kufuneka zifakwe kuluhlu oluvunyiweyo.

Zombini i-Bank kunye obolekayo akuyomfuneko ukuba akhuselwe likaxakeka. Ingaba inshorensi yemali. Ukuphonononga kubaboleki zibonisa ukuba ukhetho inshorensi ayibalulekanga ngaphantsi ukhetho iimeko ebhankini kunye namatyala.