Kukuphi na okulunge ngakumbi - mboleko okanye mortgage ukuthenga ikhaya?

Ukuthengwa yokuhlala ebesoloko umba kubalulekile ukuba iintsapho ezininzi abaselula. Kumazwe aseYurophu, umbuzo apho kubhetele:-mboleko okanye sokubambisa, oko kungafanelekanga ukuba abemi balo. Isizathu kukuba iibhanki Western endiyibeke mahluko kakhulu phakathi kwezi ntlobo mboleko. ERashiya, phezu koko, umsantsa ayikho lubonakale. Ngoko simele ntoni? Mortgage okanye mboleko abathengi? Kukuphi na okulunge ngakumbi? EMoscow, kunye nezinye izixeko ezininzi Russian liyi kwesantya senzala enjalo:

13-14% - mortgage;

17-20% - mboleko yabathengi.

Njengoko ubona, umahluko ayikho enkulu umgaqo. Ngoko ke, umbuzo wokuba yintoni kubhetele:-mboleko okanye sokubambisa, zithanda. Makhe sicinge kwakhona ngalo mbandela, makhe sithelekise ngezinto eziluncedo nezingeloncedo yezi ntlobo-mboleko.

Mortgage: le

Ngaphambi kokuba sithethe uhlobo iintlobo mboleko Kulungile: mboleko okanye indlu, makhe okhomba ngokwabo la magama.

Xa igama elithi "mortgage" kuthetha amboleke imali ndininikile oko iziko mali yokuthenga izindlu. Ngelo xesha lifanayo isivumelwano mortgage ukubolekisa ilungelo ikhankanyiwe into yokuba yayikukufumana indlu kwangoko uba mali. Oku kuthetha ukuba yokuhlala athenga akayi ngokusesikweni eyakho kuwe logama nje nina musani uhlawule amatyala akho. Umnini propati kuya kuba ibhanki. Ngoko ke impendulo umbuzo wokuba. kungcono ukuthatha - ". ekhaya evela ebhankini"-mboleko okanye imali-mboleko, ukuthanda ubukhulu becala baxhomekeke uyafuna ukuba umnini kwigumbi ngoko nangoko okanye zilungele ubomi iminyaka ezayo

njani umboleki imboleko

Consumer mboleko yebhanki inkulu unako ukukhupha, ngokubanzi na banomdla apho imali iza kusetyenziswa. Ngaphezu koko, indlu ezifunyenwe okanye indlu nangoko siba impahla yakho uze wena ungenza ntoni na nabo nantoni na oyifunayo. Phantse kusoloko ukuze afumane mboleko, kuza kufuneka ukuba guarantors omnye okanye ngaphezulu. Kwakhona kufuneka ukunikezela ngebheyile, silingane imali efunekayo. Inzuzo kule imeko kukuba akuyomfuneko ukwenza into ngokugcina besibini. Oku kunokuba ebiza imoto, isikhephe, pier, izibambiso kwakunye nokunye okuninzi. Imeko kuphela kukuba ixabiso mortgage. Kufuneka siwenze kunye nobungakanani-mboleko.

Iimfuno zemibutho zebhanki

Kwi eziluncedo nezingeloncedo yezi ntlobo liboleke abanye, singathetha kancinane, kwaye ngoku nixoxe umahluko iimfuno yeebhanki kuzo zombini ezi meko. Ixesha kunye nexabiso iphakheji kwamaxwebhu nako ingxoxo enamandla umbuzo apho kubhetele - mboleko okanye indlu.

Xa kubhaliswayo efunekayo. mboleko zamaziko zemali unomdla kuphela mboleki. Ngokuqhelekileyo khangela kufuneka banike ubungqina bengeniso, nokuqinisekisa ubukho iziqinisekiso olusebenzayo.

Ngelo xesha sobhaliso iitshekhi imali-mboleko kwaye phambili "ntumbuluko" kule ndlu. Kwelinye icala, kuthatha okuninzi ixesha, kodwa kwelinye icala - unokuqiniseka ukuba lo mntu elizayo baya kukwazi ukucela umngeni kwimeko yingisela. nje ibhanki iya sivumele ezinjalo. Ukuba amaziko zemali ziya kuvela yokuthandabuza kwi elubala bentengiselwano, wena nje musani amalungiselelo-mboleko.

Phambi kokuba amaxwebhu ayimfuneko kunye nembali entle ngetyala le-mboleko umboleki kuveliswa ngosuku. Isigqibo ekufumaneni-mboleko ukuze sasibambezeleka iintsuku 5-7. Kwaye ke iphakheji uxwebhu "mortgage" sikhulu kakhulu.

umyinge wenzala

Ngaloo ndlela, a mboleko okanye mortgage kwi indlu? Kukuphi na okulunge ngakumbi? Ukuze ufumane impendulo ngqo ngakumbi lo mbuzo ukubacacisela umba egqithisileyo.

Njengoko sisazi, ibhanki iinkqubo mortgage yokubolekisa zibhekiswa phambili kwaye ngokuqhubekayo ngcono. Namhlanje, ipesenti olu hlobo mboleko isusela ukusuka 10.5 ukuya kwi-15% ngonyaka. Ke ukuba mboleko sidlalwa kumhlaba lwemali, luze lube sezantsi ngakumbi.

Kodwa iinkqubo nomthengi elingekude ngasemva. Ukuba ngaba uthathe ingqalelo mboleko express fabulously eninzi, amazinga yokubolekisa yabathengi abafane igqithe 20-21%. Kubonakala ngathi le nto nezivumelwano zokubambisa okuninzi. Kodwa indlela ozibona ngayo.

Ukuze ngempumelelo thelekisa ukunikela ingqalelo kungekuphela ubhejo inani, kodwa kwi egqithisileyo lokwenene. Ekubeni mortgage - mboleko ixesha elide, i egqithisileyo ngenxa ixesha konke kungaba ukuya ku-150, ngamanye amaxesha 200% ukusuka ixabiso lokuqala. lokuthenga lunqabe kunikwa kwiminyaka engaphezu kwama-7-8. Ngeli xesha uya kuba ixesha ukuba ahlawule intlawulo elingagqithanga-50% yeendleko kwezindlu. Ngoko ke imali yokuba ukulungele ukuba ahlawule intlawulo ngenxa yoko, kungaba enye impikiswano enkulu umbuzo wokuba yintoni kubhetele: credit okanye mortgage yabathengi.

Thina abale iindleko ezongezelelweyo

ukubolekisana Household azifane kunye izohlwayo ezongezelelweyo. Kwityala kakhulu kubo nje kunokutshintshwa.

Kwimeko kuba nako ukuphepha intlawulo eyongezelelweyo kwi-mboleko. iindleko ezinjalo, umzekelo, kuquka inshorensi enyanzelekileyo kwempahla. Ukongeza, iziko zemali inokufuna ukuba inshorensi izindlu nje kuphela kuthengwa, kodwa ubomi kunye nempilo, kwaye inyanzelise kwi -inshorensi kwisihloko amalungelo empahla. Konke oku kwandisa kakhulu iindleko mboleki.

Kukho enye into ebalulekileyo. Akukho ibhanki uya kuyinika mortgage nawe ngaphandle kwexabiso oluzimeleyo propati. Akubuzwa ukuba enze olu vavanyo umboleki kufuneka ngeendleko zabo. Ukwenza eminye imibuzo kunye neemvume nazo ihlawulwe.

Iingenelo neengozi mortgage

Ngoko ke yintoni mboleko ngcono okanye indlu? Makhe sicinge.

Njengalo naluphi na olunye uhlobo liboleke abanye; mortgage mboleko baneempawu kuzo ebezintle nezo zingentle. Phakathi emacaleni kangangoko unako inokuchazwa ngolu hlobo lulandelayo:

• Amazinga aphantsi umdla. Oku kuyenzeka kuba nengozi emiselweyo kule meko iphantsi kakhulu. Okokuqala, ibhanki bayitshekishe ngocoselelo kakhulu kwaye umboleki kunye zinto ezifunyanwa. Okwesibini, xa kukho into engahambi kakuhle, indlu leyo uhlale nje ubunini ibhanki yakhe. Kwaye kakhulu kakhulu mali ulwelo.
• Kwezinye iimeko kusenokwenzeka ukuba kukhutshwe isibonelelo okanye ukufumana isaphulelo evela kurhulumente. Emva koko ke umyinge wenzala ngomboleki ukuze ziwe 6-8%.
• Ukubolekwa elide ngokudibene ne ubuncinane umyinge wenzala kukhokelela kwintlawulo yenyanga efikelelekayo.

Kukho, ngoko ke, kukho kwakhona kukho amanqaku negative. Umzekelo, ezifana:

• Imfuneko wenze igalelo yokuqala ubuncinane i-10% yeendleko lwento ezithengiweyo. Kwakhona kuyimfuneko ukuze yande.
• ngokugqithisileyo yomona nje. Kuba isixa uhlawula ekugqibeleni, unako ukuthenga ezimbini, yaye maxa wambi zokuhlala ezintathu.
• iindleko ebonakalayo ezongezelelweyo, nto leyo akunakuphepheka.
• mboleko Mortgage ayikwazi ukuba amancinci. Kufumana isixa angaphantsi kwesiqingatha sesigidi engange kunzima kakhulu. Oku kubangelwa yinto yokuba phezulu yeziko zemali, kule meko kakhulu phezulu.
• Ukungavunyelwa amalungelo obunini de intlawulo epheleleyo ye-mboleko. Uyakwazi kuhlala izindlu uthenge. Kodwa nantsi ukuthatha indawo yokuhlala kwigumbi ukuba irente, ukuthengisa, ukutshintshisa, ukunikela okanye wenze naziphi na izenzo ezisemthethweni ngeke isebenze. Kwakhona, bekuya kuba nzima ukwenza ntoni kwaye ayinakulimaza ngaphandle kokuba uceba-. Oku kuya kufuna imvume ebhaliweyo yebhanki.
• Ungayihlawulwa mboleko sokubambisa ngaphandle isohlwayo kukhe kube nzima ukunxibelelana.

Izinto eziluncedo nezingeloncedo of yomboleki yeentengo zemboleko

Kunjalo ucinga ukuba ekholekileyo kuwe indlu? Credit ukuya kwigumbi kwakhona zinezibonelelo yayo:

• Zonke izicelo zihlolwa ngokukhawuleza kangangoko kunokwenzeka kwaye imali uyakwazi ukufumana emini.
• Kuba kubaboleki ezibekwe iimfuno kakhulu qatha kangako.
• Xa ubhaliso abathengi kufuneka ilungise elincinci kakhulu amaxwebhu.
• Ungafumana naluphi na imali. Nam engasentla okanye umda osezantsi, isimiso, kuphela.
• Akukho mfuneko yokuba ube emithini. Unakho ukuthenga indlu, ngokuba akukho imali nokuba intlawulo phantsi.
• Ezinye iibhanki bakwazi ukukhupha imali ngaphandle izibambiso. Kwanele ukuba ngummeli wowona elungileyo zesinyibilikisi.
• Ukuba ukusondela elumkileyo ezikhethiweyo package mboleko, egqithisileyo kuba lincinane kakhulu.
• Umboleki kwangoko uba umnini-mhlaba kwaye, umzekelo, ukuba wayiqwenga. Oku kakhulu ukukhawulezisa intlawulo-mboleko.

Bendlela lokuthenga:

• Xa kuthelekiswa ne mortgage izinga lenzala kunokuba kakhulu phezulu.
• Kusenokubakho nzima ukuqinisekisa ukuba umboleki ukuba ahlawule. Ezinye iibhanki musa ukucinga ithuba ekutsaleni co-kubaboleki ukwandisa imali mboleko eliphezulu.

Ngamafuphi

Ukuba uhlaziye ngenyameko ngasentla, oko kuqatshelwe ukuba, ngokubanzi, ukuba enze iphupha ekhayeni buqu kungcono ukuba ukusebenzisa mboleko. Noko ke, ukuba inkoliso imali sele unayo kwaye linyathelo ayikho ubuncinane kwesiqingatha sesigidi, lo potrebssuda - oku kanye le nto uyifunayo. Ingakumbi xa ufuna phambili ekufumaneni iimali ezongezelelweyo, kwaye nezindlu kufuneka zingathengwa sele ngoku kwaye ukuba balinde akukho ndlela. Ngaphezu koko, ukuba unalo ingeniso elungileyo, kodwa ukuqinisekisa ukuba ngokusesikweni, i-mboleko nawe nje akayi ndoninika.