Intlawulo yokuqala mortgage VTB 24: iimeko, iimpawu, nobubi

imithetho ekhoyo ngoku ivumela imibutho zemali ukuze anike umboleki nokuyibuyisa ngaphambi mboleko kwekhontrakthi schedule. Kwaye mortgage ngokunjalo. Bank ngenkxaso karhulumente of VTB 24 nayo inika abathengi yayo inkqubo intlawulo yokuqala mboleko yemali.

ezintathu zonke iinketho

Ngokungqinelana nemigangatho yoMthetho Banking, intlawulo kwenxenye - wenza intlawulo, ngaphezu efunekayo ngenyanga, kodwa ngaphantsi kwe yonke imali yetyala. intlawulo ngokuzeleyo - ngexesha elinye-intshayelelo netyala eseleyo.

Ukuba inxalenye inqununu mboleko mboleko lubuyiswe, abaphathi ibhanki uyakwazi ukunikeza le ilandelayo:

- ukunciphisa ixesha imali-mboleko, ngaphandle ukunciphisa ubungakanani kweentlawulo;

- ukunciphisa isixa sentlawulo yenyanga ashiye ubomi lesivumelwano semali-mboleko, akukho tshintsho;

- ukuba ahlawule imali eseleyo (inqununu kunye nenzala ethe) ngokupheleleyo.

Ukukhetha ukhetho ofanelekileyo - wakhe client.

Partial intlawulo yokuqala mortgage VTB 24, isivumelwano olongezelelweyo, ezifikelela iikopi ezimbalwa ize isayinwe ngumxhasi kunye ummeli yebhanki.

Izinto eziluncedo nezingeloncedo kunokwenzeka

Eyona njongo ephambili yolu kwemali ngaphambi mboleko - ibhanki ukunciphisa overpayment, nto leyo mboleko ixesha elide nto ibaluleke kakhulu. Kukho nezinye izizathu. Umzekelo, ukuba kufuneka benze isivumelwano esitsha sentengo yemboleko phambi ukungaphatheki ekunokugqitywa ngazo lesivumelwano.

Kwizazi uhlawule okuqala mortgage VTB 24 kubonakala ukuba nazi:

- umboleki lizakususa encumbrances kwipropati mortgaged ebhankini, ngaphambi ishedyuli;

- iindleko yehlise iintlawulo elizayo (kubonelelwa ubuncinane kwemali kwenxenye yenqununu).

Kodwa kukwakho nezingalunganga. Iingcali bathi kubalulekile ukuba umboleki lula mboleko ixesha elide - inxalenye kwamaxabiso kukunciphisa ityala lebhanki. Oko kukuthi, ukuba kuyimfuneko ukubala inzuzo intlawulo yokuqala ye-credit (inzala ephantsi), ingakumbi xa uceba isivumelwano semali-mboleko entsha.

iimeko

Ukususela ngo-2011, onke amaziko ezemali kunye ikhredithi, kwaye VTB-24 kungekho ngaphandle, kubhangise ukuqokelelwa yeMisebenzi kunye nezinye izithintelo intlawulo yokuqala mboleko. Imithetho ecetywayo ayisebenzi kuphela mortgage emkhosini. Yenza imali kumeke umboleki unelungelo kuphela xa:

- ubukho kwimephu eqhotyoshelweyo sivumelwano, isixa esithile;

- eseleyo ezintle ezinye akhawunti ikhadi zivulwe naliphi na isebe VTB 24 walandisa isivumelwano mortgage;

- enye akhawunti iplastiki, ihonjiswe kwisebe ekhuphe mboleko.

inyathelo Independent kwi nokuhlawulwa kwamatyala ngaphambi ebhankini akuvumelekanga. A iziko credit kufuneka waziswe kwangaphambili malunga imali eyongezelelweyo negalelo. Kananjalo kufuneka ukuba isicelo intlawulo yokuqala mortgage VTB 24 ncomo abathengi HIV: ibhanki Zonke iminyinyiva.

Yaye phezu ifowuni

Mhlawumbi kude intlawulo yokuqala ye-mortgage VTB 24 Ukuze benze oku, kufuneka abize omnye amanani zenkxaso yebhanki (ukuba kwi website esemthethweni). abaphathi call wenze isicelo sobhaliso efuna iinkcukacha Mhlawuli, izivumelwano kunye ukuvuthwa date, kunye nolwazi yokundwendwela. Eminye uphuhliso zichazwe ngezantsi yi ezinokwenzeka. Imali kungcono ukubeka phezu uyilwayo usuku okanye iintsuku ezimbini phambi kokuba intsimbi.

siphaphazela ngamafutha

wekhadi elipheleleyo mortgage VTB 24, njengoko okunene, ngokuyinxenye, yi indlela ngasentla (ifoni) oko kwenzeka kuphela kulo nyaka. IBhodi Management yamkela isigqibo njengako apho wonke umntu ngaphambi kwexesha uhlawule imali ungaqhagamshelana umnxeba. Kwiinyanga ezintandathu ezidlulileyo, abaxhasi ibhanki leyo "noku" inkonzo. Inqanaba zemali kwakunye zomthetho, izinga lokufunda nokubhala ungaphantsi avareji, isiqinisekiso kwabasebenzisi uthatha iminxeba, akusoloko kufanelekile. Plus, umthamo ophantsi izixhobo zemfonomfono futhi indlela ebonakala Noluyolo uhlawule yokuqala nezivumelwano zokubambisa iguqulelwa zajika inkonzo.

Uzama ulonwabo bakhalazela ukuba ucingo phantse akunakwenzeka. Kwi ubungqina obungamaxwebhu isixa iingxaki zamatyala, kakhulu (umphathi lizama, onetyala, njalo kakubi weva. P.). Xa imo inkqubo yesicelo zocingo intlawulo yokuqala ye-mortgage VTB 24 abacinganga: indlela ayicacanga ukusayina.

Isiphumo: ulibaziseko rhoqo, ukungafani zeeshedyuli zentlawulo kunye nezikhalazo obungunaphakade. Uninzi iinkonzo Siqinisekiswa ukuba ibhanki ongenakunceda: umdla uqhubeka ethumela rhoqo ...

iintengiselwano intlawulo

Imali uhlawule okuqala mortgage VTB 24 kuphela kunokwenzeka de 19:00 ngeentsuku zeveki. Le meko sicaciswa onke ikhontrakthi yemali. ezininzi kukho intlawulo:

- ngoncedo zebhanki ngekhompyutha kwimephu eqhotyoshelweyo-mboleko;

- ekhawuntareni kwenye amasebe ebhankini;

- VTB terminal 24;

- transfer evela kwenye ibhanki;

- ngokusebenzisa "Mail of Russia";

- ngokusebenzisa yokuphelisa evulekileyo VTB 24 idipozithi kunye nokudluliselwa ukusuka kwi-akhawunti ebotshelelwe mboleko yemali.

Kwakhona kwiziko mali yeentengo ahlawule imali-mboleko okanye imali kubeleka mali yakho imvume naziphi na iinkqubo zenkxaso karhulumente.

Kwimeko capital maternity kuyimfuneko ukwenza isicelo kwi Pension Fund kunye nala maxwebhu alandelayo:

- Ingxelo malunga nokulahlwa eyinkunzi umzali;

- Certificate for capital;

- ngumnini Isiqinisekiso ipaspoti;

- isivumelwano sentengo yemboleko;

- ubunini indlu wathenga kwi-mboleko yemali;

- Khangela akhawunti endlwini;

- isinyanzelo ukuzilungiselela indawo yokulala kubantu bonke, ngaphandle kokukhetha, amalungu entsapho emva kokuba ukususwa encumbrances (kuquka abantwana).

Commission kunye nezinye izohlwayo uhlawule Ekuqaleni akukho mboleko. Ubukhulu ukutshintsha ixabiso negalelo ngumxhasi.

Ukuba lokuhlenga olungagqibelelanga

Bank abhalise kwi imiqathango yesivumelwano kwexesha yentlawulo. Ingxelo ye ngenjongo yokuhlawula inxalenye ityala ekuvunyelwene ngalo elongezelelweyo ngethuba lokufumana intlawulo. Ngoko ke, isicelo zingafakwa:

- ngenye imini (zomsebenzi) phambi kokuqala kwexesha yentlawulo, kulo mzekelo, ukwenza intlawulo ziya kuvunyelwa ngeli xesha;

- 30 zekhalenda phambi ekuqaleni kwethuba - kulo mzekelo, intlawulo ungaphandle kwexesha yentlawulo kunokwenzeka.

Ukuba ngexesha buyiselo na usemva kwi-mboleko yemali kunye nomzimba, kwakunye nenzala ethe, ityala sokuqala sihlawulelwe.

Kwimeko buyiselo yokuqala kwenxenye ye izicelo mortgage VTB 24 ukuze bakuthathele ingqalelo ezinye iinkalo iintlawulo. Ezifana:

- bhala-off-asethi kuya kwenzeka ngokungqinelana neshedyuli sentlawulo yenyanga;

- Igalelo ulawulwa kuphela yi-nye umnikimali nomamkelimali.

Le migaqo isebenza izivumelwano mortgage kugqitywe phambi 2011. Kukho nenye imeko: isixa ubuncinane intlawulo yokuqala ye-mortgage VTB 24 yi-15 000 engange.

kwemali Partial-mboleko yezindlu kufuneka kwakhona kobhaliso kwishedyuli kweentlawulo kunye, xa kukho imfuneko iintlawulo, ngenyanga.

Ukuba intlawulo epheleleyo

Kulo mzekelo, izigulana ezo kufuneka azise imibutho zemali-mboleko inyanzelekile. Kodwa ke inkululeko kunokwenzeka naluphi na usuku, ekubeni ezimeleyo xesha yentlawulo.

Olu khetho ibandakanya ngentlawulelo bokufakwa kwesicelo le migaqo:

- ngenye imini zebhanki phambi komhla ukuqola (ukuba kwixesha yentlawulo);

- ukuya kutsho kwiiyure ezili-18 ngosuku ukukhula (ukuba oko ngaphandle ngethuba lokufumana intlawulo).

La magama abhaliweyo kule ngxelo, ukupheliswa, kwaye ibhanki ifuna ukuthobela yazo engqongqo. Ukuba le ndawana isixa semali ekuvunyelwene uhlala phezu kwingxelo-akhawunti yebhanki, ukupheliswa iya kurhoxiswa. Ngoko ke, kuya kufuneka ukuba ufake kwakhona, kwaye ukubalwa kwemali yokuqala mortgage VTB 24 iya kukhuthazwa kwakhona.

Sibala mali ngqo

Phambi kokuba uthumele isicelo uhlawule ngaphambi mortgage kufuneka uqhagamshelane ibhanki ukuba ulwabiwo-mali esisashiyekileyo setyala: njengoko inxalenye enkulu kulo, kunye nenzala. ubala ngokugqithisileyo okanye ubuncinane omnye engange iya kuqulatha eninzi wamaphepha ngokungeyomfuneko.

VTB Bank inikeza nabathengi iprogram self-ukubala ityala eseleyo. Lo msebenzi kufuneka wenziwe ngokusebenzisa inkqubo yebhanki okanye isicelo kulo mntu kuyo nayiphi na i-ofisi ye-yebhanki (kulo mzekelo, umphathi iyakukhupha isatifikethi esemthethweni umdibaniso nemali eseleyo). Kwakhona, ukubala kunokwenzeka kwi website esemthethweni VTB Group iinkampani ezingama-24 kwi-ofisi labucala mortgage calculator okhethekileyo. Nayo kwi website ibhanki yakhe. Calculator ingalandwa format Excel. Ukusebenzisa oko, ngokutsho kubathengi, nto ilula.

Le wokuvala wokugqibela yesivumelwano

Asinto i kokupheliswa kwesivumelwano kunye intlawulo yebhanki mali epheleleyo. Kulo mzekelo, i-mortgage iqwalaselwa ivaliwe ngokufanelekileyo, ngoko ke imbali yeentengo zemboleko kuchaphazela iinkcukacha kugqitywe nezibophelelo. Ukuze siphephe le iimpazamo, kufuneka wenze oku kulandelayo:

- wasayina isivumelwano mutual kunye ibhanki lokuphelisa isivumelwano ngokusekelwe isicelo esifakwe le umboleki;

- ukubhala isicelo ukuchitha ye ikhadi yeplastiki edityaniswe kwi akhawunti kwesivumelwano zokubambisa (umphathi ibhanki unyanzelekile ukuba ayinqamle phambi kwekhadi umxhasi kwi tape protective);

- angenise isicelo esibhaliweyo nesicelo avale iakhawunti mboleko apho iintlawulo zenziwa.

Kuphela emva kwezi nkqubo, ibhanki ikhupha isiqinisekiso ebhaliweyo malunga yokungabikho kwamatyala kunye nawaphi na amabango.

Iimpawu zomkhosi mortgage lokuhlawula

Military Mortgage kwavela kurhulumente kwinkqubo mortgage numbers (NIS). iqela lakhe, ekuhlawuleni imali-mboleko yezindlu, ukufumana ethile imali FGKU "Rosvoenipoteka", nto leyo eya kuqhubeka bekhula.

intlawulo yokuqala mortgage zomkhosi VTB 24 yenza nejoni ukuba akhulule izibophelelo ngetyala kwaye uyagxothwa emsebenzini kwangoko kunokuba ucinga xa kuyimfuneko. Apha kufuneka sikhumbule ukuba ukudluliselwa ukuya Reserve yabo phambi kokuphela kominyaka imashumi mabini ukusuka ubomi mortgage okhona abangekho kuya kufuneka ahlawule zonke ixabiso ibhengeze lo mhlaba uthengiweyo. Oko kukuthi, abuyele ngurhulumente (NIS) Yonke imirhumo yenyanga, enyanisweni, njengoko yokuqala.

Kumanqanaba esilandelayo iimeko intlawulo yokuqala mboleko mboleko evela VTB 24 zomkhosi akukho kwahluka lweemeko mboleko enjalo abangenanto yakwenza.

Post scriptum

imithetho ekhoyo idinga uboleke imali ukuba inshorensi mboleko. Ezi ntlawulo ibekwa ubungakanani zizonke, nto leyo ebalwa ngegalelo ngenyanga. Ngoko ke, xa kukho intlawulo yokuqala mboleko kufuneka uqhagamshelane inkampani yeinshorensi uze ucele ukuba ukumbhatala imali engasetyenziswanga kodwa sele ihlawulwe.

Zilamkele amaxwebhu kwi intlawulo epheleleyo ye-mortgage, unako ukuthatha kwigumbi cadastral ukususa ndedwa lo mhlaba uthengiweyo.