Kuphi kunye nendlela yokuthatha imali yokuthenga imali e-Chelyabinsk - iimpawu kunye neengcebiso

Kuze kube yimini, ingxaki ebalulekileyo yentsapho encinane yintengo yokufumana indlu yabo. Kunzima kakhulu. Ukuba izalamane zingenalo ithuba lokunceda abantu abatsha, ngoko baya kuboleka kwiibhanki ezinexabiso eliphezulu. Naphezu kwazo zonke iinkqubo zorhulumente, ukuhlawulwa kwemboleko enkulu akwanele yonke intsapho. Iingxaki zivela kwinqanaba lokuyila. Amabhanki azama ukunciphisa ubungozi bawo, ngoko balungiselela uhlolo olujongene nolwazi olunikeziwe. Namhlanje siza kuthetha malunga nendlela yokuthatha imali e-Chelyabinsk, yiziphi iingxaki ezinokuvela kwaye kufuneka zilungiswe.

Izibonelelo zoncedo

Namhlanje baya kubonakala phantse yonke indawo: "Ndiza kukunceda ufumane i mboleko," "Ndiza kukhupha umboleko wemvuzo omncinci," kunye nezinto ezinjalo. Kodwa kufuneka uqaphele ukuba akukho mntu uza kuthatha ingozi engadingekile. Injongo yezo ntengiso kukuqokelela ikhomishini "ngoncedo." Makube ngama-ruble ama-500 okanye ama-1000, kodwa abaxhamli abanjalo abaxanduva nantoni na, kuba bafaka isicelo ebhankini, okuya kuthi ke, banike impendulo yokugqibela. Ngempumelelo efanayo ungenza isicelo kwibhanki kunye nawe. Kodwa ekubeni kungelula kakhulu ukuthatha imali kwi-Chelyabinsk, abantu banquma ukuhlaziywa kwaye bahlawule inkonzo kwi "professionals".

Iinkqubo zemboleko - zisebenza?

Akungathandabuzeki, yonke imihla isenziwa kwaye abantu bangena kwizindlu ezintsha. Enye into kukuba ukuqinisekiswa kweedatha zabaxhasi kunzulu. Kodwa kukho iingozi kwibhanki. Iziko lemali kufuneka linikezele ngeebhilile ezigidi ezimbini ukuya kwezihlanu, kwaye ulinde iminyaka engamashumi amabini ukubuyisela le mali. Kwaye ukuba umntu oneminyaka embalwa ugula kakhulu kwaye ulahlekelwe ngokuphathelele lo msebenzi? Yaye indlu leyo ichaza abantwana abancinci? Ingaba i-bhanki iya kukwazi ukuyiqonda le ndlu, leyo yipropati yesibambiso, okanye kuya kuthatha iminyaka emininzi ukuqhuba amacala kunye nomthengi? Yonke le mngcipheko ibangele inzala ephezulu. Okokuthi, abahlawuli bahlawula ilahleko ezenziwa yibhankini kwiimeko ezinjalo.

Imiqathango yeebhanki

Namhlanje sifuna ukuqonda indlela yokuthatha imali e-Chelyabinsk. Kunyaka ngamnye ngaphezulu kwee-20 000 zemali-mboleko zindlu zithunyelwa kummandla. Ngelo xesha, ezi nkqubo zinikwa ngamabhanki angama-20. Iinkokheli ziyi "Sberbank yaseRashiya" kunye ne "VTB 24". Ngaphandle kwabo, iibhanki elithi "Otkrytiye", "UniCredit", "iBhanki ye-MDM", "Rosbank", "i-Alfa-Bank", njl njl. Isebenza kule candelo.

Nangona kunjalo, iimeko zizinzileyo. Amanani afinyelela ku-22.4% ngonyaka ngenjongo yokubolekwa kwemali ye-ruble kunye ne-12% yemali-mboleko yemali yangaphandle. Kule meko, izinga lixhomekeke ngokukodwa kwindlela umthengi akwazi ngayo ukukholisa ibhanki ye-solvency yayo. Ngoko ke, ukuba ucinga ukuba ungathatha njani imali e-Chelyabinsk, kufuneka uxoxe nomqeshi ukwenzela ukuba iintlawulo zihlawulelwe kumvuzo wonke. Ukongeza, vula idiphozithi kwibhankthi ekhethiweyo uze uqale ukunciphisa inani elithile inyanga nganye. Phantse omnye unyaka kamva uya kuba noqinisekiso lokunqunyulwa kwe-solvency. Abathathi-nxaxheba beeprojekthi zemivuzo, kunye nababolekisi abanomlinganiselo ubuncinane wama-30% exabiso leziko, banokubakho kwizinga eliphantsi lomdla.

Izidingo eziphambili

Akuyena wonke umntu unelungelo lokuxazulula imiba nomqeshi kwaye ugcine imali kwidiphozithi. Ungathabatha njani imali yokuthenga ngemali eKhelyabinsk ngokukhawuleza? Ukwenza oku, kufuneka ube nenxalenye kwipropati yakho ukuba ibhanki ithathe ithatha. Umzekelo, unendawo encinane. Ibhanki inokuthatha amaxwebhu njengokhuseleko kwaye inika imali yokuthenga enye. Okanye kufuneka uhlawule. Okubaluleke kakhulu, kuya kuba lula ukwenza idibaniselwano. Isatifikethi esinikezela ilungelo lokufumana umthamo wesisu singasetyenziselwa njengenkxaso yokuqala. Kukho ezinye inkxaso zorhulumente ezamkelwe ngamaziko ebhanki. Ngokomzekelo, kukho inkqubo ekhethekileyo yabasebenzi basejoni.

Ukuba awunayo nayiphi na ingentla, uzama ukubonelela ngamaxwebhu aqinisekisa amava asebenzayo osebenzayo kwintlangano enye kunye nomvuzo ophezulu. Kule meko, amathuba okuqwalaselwa kwesicelo sakho ayawa, kodwa agcinwa. Yaye ukuba amacala adwelisweyo ayisebenzisi kuwe, kwaye akukho mali eyaneleyo yokuhlawula isitolimende sokuqala, ngoko awukwazi ukuchitha imali ekuhambeni kwiibhanki - impendulo iya kuba yinto embi.

Sibala intlawulo yenyanga

Qinisekisa ukuvavanya akho amandla. Ngenxa yoko, kukho iithayibhile ezizodwa eziza kukuvumela ukuba uqikelele ukuba uzakufumana phi imali ebolekayo eKhelyabinsk. Umphathi webhanki angabala kwakhona amaxabiso enzala mahhala. Ukuba uthatha iiruble ezigidi ezi-2 iminyaka emihlanu, ke intlawulo yenyanga iya kuba ngama-ruble angama-45,000. Oku kungathi sithetha ngesantya senzala esezantsi kakhulu, oko kukuthi, i-12%. Ukuhlawula iintlawulo zeminyaka eyi-10, ufumana inani elithandekayo, elingu-28,000 ruble. Emva koko uya kulahleka kakhulu ngenxa yokuhlawula imali. Ngokomzekelo, ukuthatha imali mboleko iminyaka engama-20, uya kuhlawula kuphela 6000 ngenyanga ngaphantsi, kodwa unike kabini ngaphezulu.

Yintoni enokuyenza kwintsapho eselula

Ngoko, ukuba ungaqiniseki ukuba isicelo siya kuvunywa, uzama ukugcina imali ethile. Ewe, kunzima, ngakumbi xa kuqesha indlu. Unako ukuthutha okwethutyana kubazali, kunye nemali eya kuhlawulela indlu, ihlehlise, yongeze kuyo ncinane enye. Uyalela kunye nokuqhelekileyo ubomi obuzayo kunye nomboleko. Inkqubo yokuhlawula ide kakhulu. Ukuthatha imali mboleko kubasanda kutshata, uya kuba nexesha lokukhulisa abantwana ngaphambi kokuba uyihlawule ngokupheleleyo.

Mboleko e zininzi

Ekubeni i-mortgage yezindlu zaseKeababinsk eqinisweni kukuba, kodwa ngokwenene kufuneka uzame ukuyenza, kufuneka uhambe ngobuqhetseba. Unayo iikhredithi? Ulibale ngokuvunyelwa kwesicelo. Eyona nto ingcono, uya kunikwa uhlolo lwesibini lwesicelo ngokuhlawulwa ngokugcwele. Ewe, ngaphambi kokuba ufumane imali kule bhanki. Ngoko, yintoni efunekayo eyenziwe? Fumana indlu, abanikazi bayo bavuma ukulinda ixesha elifutshane. Dlulisa amaxwebhu ebhankini. Ukuba awunayo imali eyaneleyo yokuhlawula isitolimende sokuqala, kuya kufuneka ufumane ngemboleko yesibini.

Ukuqwalasela ukuphononongwa, akunqabile ngokukhawuleza ukuphika abathengi bayo i-Delta Bank. Kodwa kufuneka sikhumbule ukuba amatyala aphelelwe yithemba akayi kubonwa naphi na. Oko kukuthi, ezi zikhetho xa umntu engenawo umrhumo, ukuhlawula, ukuqeshwa ngokusemthethweni. Emva kokufumana impendulo esemthethweni ukuba isicelo sivunyiwe, unokwenza ngokukhawuleza ukufaka isicelo semali mboleko yebhanki eyahlukeneyo. Ukususela kuyo unakho ukuhlawula ngemali-mboleko ekhoyo, esele "ivuliwe" ngexesha lophicotho, kwaye ithwala amaxwebhu axhasayo kwibhankini apho uza kwenza khona imali. Imali esele iya kwenza intlawulo yokuqala.

Iingxaki zokuqala

Ukuba ucinga ukuba lo uphelo, ulahlekile. Yilungele ngokukhawuleza, yinto yokuthenga imali. Ungathatha umboleko wendlu yokuhlala eKhelyabinsk, kodwa oku kude kwaye kuyindleko eninzi ngemali. Ngoko ke, xa kwenziwe isigqibo esilungileyo, kufuneka ulandele iipasipoti ze-cadastral kwaye uhlawule umveliso walo wokukhawuleza. Emva koko, abameleli bentlangano yokuhlola baya kuza kuwe ukuhlola loo propati ukuba ifumaneke. Kuya kubiza iiruble eziyi-2000. Ukuba unethamsanqa, kukho ukuqinisekiswa kwengeniso kwaye inzala yenzalo ingancinci, ibe iya kuba yi-12.5 ngonyaka ngeminyaka elishumi elinesibini okanye emashumi mabini.

Kodwa akukho konke. Xa ukhetha indawo yokufumana imali e-Chelyabinsk, zama ukufumana ibhanki apho kungekho khomishini yokukhupha imali. Ngaphandle koko uya kunika ngaphezulu ukusuka kuma-ruble ayi-11000 ukuya ku-25000. Ngokufanayo, i-inshurensi yendlu (isihloko kunye nokhuseleko), kwakunye nobomi kunye nempilo yomboleki. Yihlawule ngonyaka. Unokuphuma ngaphandle kwe-inshurensi, kodwa ke inzala iya kuvuka. Yenza iiproyamu zomshuwalense ukusuka kwi-7000 ukuya kwi-10,000 ruble ngonyaka.

YeTyala elivunywe

Njengoko ubona, yonke into ayifani ngokukhawuleza kwaye ingabizi njengoko kubonakala. Ngoko ke, ngaphambi kokuba ucinge malunga nokuba ungayithatha njani indlu yokuhlala eKhelyabinsk, kufuneka uqikelele kakuhle ubuchule bakho bezemali. Ibhanki iya kuvuma indlu ekhethiweyo kwiintsuku ezimbalwa ukususela ngexesha abahlalutyi bafika. Emva koko, unokwenza kwangaphambili ukuya kumthengisi, i-15% yeendleko zezindlu. Khumbula, senze umboleki we mboleki kule nto. Kwezinye iimeko, ibhanki inokufuna i-30%, eli nani lichazwe nje njengegalelo lokuqala.

Idibanisa ngokwayo iya kwenzeka ngeveki. Ngoku kufuneka ufike kwi-ofisi yebhanki uze usayine onke amaphepha. Umthengi ubhala irisidi yokuba ufumene intlawulo ephantsi. Ngoku ungaya kwiRepalat kwaye ubhalise idibanisa. Phantse iveki, amaxwebhu aya kulungela. Ngoku ufumana imali yebhanki, kwaye ngokukhawuleza xa ifika kubaphathi, umthengi uya kukwazi ukufumana imali epheleleyo kwiakhawunti yakhe.

Indlela yokuthatha umboleko ngaphandle kokuhlawula

E-Chelyabinsk, kunye nakwezinye iidolophu zaseRashiya, kunokuba nzima kunzima ukuthabatha abathengi abafanayo kunye nemali mboleko. Ngako oko, abathengi bahlala befuna ukuphepha le mzuzwana kwaye bakhuphe imali mboleko ngeendleko ezipheleleyo zezindlu. Kodwa kukho iingxaki ezinzulu kule nto. Ukuze uziphephe, unokuxoxisana nezihlobo ezinokuthi zilungiselele izindlu zabo njengezongezelelweyo. Emva koko ibhanki iyavuma ngokukhawuleza ukukunika inani olifunayo ukwenza ukuthengwa kwentengo.

Inketho yesibini kukuba umntu asebenze njengomgcini-mgcini. Kubaluleke kakhulu ukuba lo mntu unendawo yokuhlala okanye imoto, okanye kungcono kokubili. Ukongeza, kufuneka aqeshe kwaye afumane umvuzo osemthethweni.

Cottage okanye indlu

Ukuboleka kwindlu yangasese eKhelyabinsk kuthathwa nzima nakakhulu kunezindlu. Namhlanje olu khetho luqwalaselwa yiintsapho ezininzi. Kubani umntu ithuba lokuhlala kwindawo ecocekileyo yendalo, abanye bafuna ukukhula imifuno nezithelo kwiindawo zabo. Kukho nawuphi na, indlu yangasese ikhangeleka ngakumbi kuneyona ndawo. Ngelishwa, ukuthenga kuyabiza kakhulu, ngoko kuya kufuneka uphendule kwiimali ezibolekelwe.

Ziziphi iingxaki?

Indlu yokubolekisa indlu eKhelyabinsk iya kuvunywa kuphela xa ihlangabezana neemfuno ezininzi. Le nto into enexabiso elingaphantsi kunezindlu. Ngoko ke, iibhanki ziphonononga ngokucophelela imeko yayo, indawo kunye nezinto ezakhiwa kuyo. Oku kuqondakalayo, ngokuyinene banomdla nokuba ngaba bayayithengisa ngokukhawuleza kwaye babuyisele imali esetshenzisiweyo.

Kwezinye iintlangano zemboleko uza kuthiwa ngokukhawuleza ukuba akunakukwazi ukukhupha imali yokuthenga indlu yaseKeababinsk. Ukubolekwa kwempahla kwindlu kwiibhanki kukhutshwa, kufuneka nje ukuqokelela amanye amaxwebhu. Ngoko, kukho impawu ezimbalwa eziphambili.

• Ukuba indawo yendawo ayinayo impembelelo enkulu kwisisombululo, ke apha kuya kuba yinto ebalulekileyo. Unxibelelwano kunye nemeko yobugcisa yendlu iya kudlala indima ebalulekileyo.
• Isibambiso siya kwinqanaba lomhlaba.
• Umdla kwi-mortgage uza kuba phezulu kunokuba kunjalo kwindlu.
• Siya kufuneka sibale kwiikhomishini ezongezelelweyo zebhanki.

Endaweni yokugqiba

Njengoko uyakubona, ukubhaliswa kwemali yokubambisa kufuna iimbono ezicokisekileyo zezinto kunye nokufumaneka kwiphepha elipheleleyo leemibhalo ezinokuqinisekisa ubungqina be-solvency. Ukuba namhlanje awukulungele ukubonelela ebhankini, mhlawumbi kusenokwenzeka ukuba uqale ukucinga ngemali yokuboleka imali. Unako ukuya ebhankini uze ucele ukubalwa kwangaphambili. Ukwenza oku, thatha isitifiketi somvuzo, xelela umphathi malunga nemali mboleko ekhoyo, ipropati, ishishini. Kule meko, uya kukwazi ukuba ungayinceda ntoni.