Kuphi na ukuba kunenzuzo ukuthatha umboleko wemali: umyalelo wesinyathelo-nge-nyathelo, amaxwebhu afanelekileyo kunye nokuhlaziywa

Imeko yezoqoqosho zamashumi emva kutshanje ishiya into enqwenelekayo. Ngenxa yokungabikho kwemisebenzi ehlawulwe kakuhle, iintsapho ezininzi abanalo ithuba lokuthenga izindlu zabo. Abanye banquma ukugcina igumbi iminyaka, ngelixa beqeshisa indlu, ngelixa abanye baphendukela ebhankini ukuze bancede. Kunceda njani ukuthatha imali? Okokuqala, kuyafaneleka ukufundisisa iziphakamiso zamanqaku ezidumileyo.

Iyintoni imali?

Amafemu amaninzi ekwakhiwa ngoku asebenzisana neebhanki zorhwebo kunye namanye amaziko eyaziwayo. Ukusebenzisana okunjalo kunenzuzo kumabini omabini. Izindlu ngekhredithi kukuba kunokwenzeka ukugqiba intengiso yomqhubi kunye nebhanki. Umxhasi uyaphumelela, ngubani, ngaphandle kwesixa esikhulu, angahlala kwizindlu ezifunyenwe ngemboleko.

I-Mortgage yindlela yokuboleka. Imeko ephambili kulo mzekelo kukuba kubhaliso lwezindlu zangasese, ezathengwa phantsi kwesivumelwano, ngebheyili. Le yinshorensi eyongezelelweyo kubo bonke amaqela ekuthengiseni. Ukuba umthengi akakwazi ukuhlawula umboleko ngenxa yezizathu ezininzi, indlu iya kuba yipropati yebhanki. Ekugqibeleni, akukho mntu kufuneka. Yintoni enenzuzo ngakumbi, ukuthatha imali yokuboleka imali okanye mboleko? Inketho yokugqibela iyamkeleka ukuba ngumbuzo wokuthenga indlu okanye indlu.

Ziziphi iimpawu ezidinga ukuzazi

Nayiphi na imali mboleko ityala. Ngako oko, ngaphambi kokungena kwesivumelwano kunye neziko lemali, kuyafaneleka ukuhlola imiqathango yalo. Okokuqala, kuyafaneleka ukubeka ingqalelo kwinqanaba lomdla, ukufundisisa umbuzo wobukho bee-commissions ezifihliweyo. Ezi zikhombisi ziya kuthintela ngokukodwa inani lokuhlawulwa kwemali mboleko mboleko. Yiyiphi imboleko enenzuzo kakhulu? Ukuqwalasela ezo ziphakamiso ezibonisa ukuba ukuhlawulwa kwangaphambili kwetyala ngaphandle kwesihlwayo.

Ukuqwalaselwa okhethekileyo kubalulekile ukuhambelana nokukhethwa kwebhanki, apho idibaniselwano iya kugqitywa. Kunenzuzo ukuthatha imali mboleko kwintsapho encinane eSberbank. Iimeko ziya kuchazwa ngezantsi. Ngokuqhelekileyo, akufuneki ukugqiba isivumelwano kunye neziko lemali eliye lasebenza kwimarike engaphantsi kweminyaka emi-5.

Enye ingongoma ebalulekileyo yokunyamekela ingqalelo yengeniso yentsapho. Ukuboleka imali-mboleko kungeke kwenzeke ukuba inkokhelo eqikelelwa phantsi kwekhontrakthi idlula i-40% yale nani.

Sberbank

Eli liziko lemali namhlanje liyinkokheli ekubolekeni kwemali. Ngaphantsi kwemigangatho yebhanki ungathenga i-estate, kokubili endlwini ephelileyo nakwinqanaba lokuphuhlisa. Kunceda njani ukuthatha imali? Kufanelekile ukuthobela iingcebiso kunye nenkxaso karhulumente. Okulungileyo kukuba i-deal is in rubles. Ngoko ke, ukuhlawulwa kwemali mboleko mboleko ayiyi kuhlanganiswa nezinga lokutshintshiselwa kwemali yangaphandle.

Nasiphi na isakhamuzi saseRussia esifikelele kwiminyaka engama-21 ingaba ngumthengi webhanki. Ikhontraki ingaqukunjelwa kwixesha eli-1 ukuya kwe-30 leminyaka. Kufuneka kuthathelwe ingqalelo ukuba ixesha elide umthengi uya kubakhokhela ibhanki, i-overpayment iyakuba yinto ephezulu. Kanye nale nto, ngexesha elifutshane lemali-mboleko, kuya kuba neyona ntlawulo yenyanga. Inzala yonyaka yenzalo yemboleko ngu-11.4%. Imfuneko ebalulekileyo yimali yokuqala engaphantsi kwe-20% yenani elipheleleyo lepropati. Kunenzuzo njani ukuthabatha imali kwiSberbank? Ukwandisa inani lokuhlawulwa kwangaphambili!

IBhanki ye-Tinkoff

Abo banomdla kwinto yokubolekisa imali inenzuzo yokuthatha, kuyafaneleka ukubeka ingqalelo kwisiphakamiso saleziko lemali. Inyaniso kukuba i-Tinkoff yaseBhanki inika umyinge wenzalo yonyaka kwimali-mboleko ye-10.5%. Ixesha le mboleko lifana nelo lidlulileyo-iminyaka engama-30. Akukho zikhomishini ezifihlakeleyo. Umxhasi omdala unokugqiba isivumelwano sokuthenga izindlu kungekuphela kuphela, kodwa nakwiimarike zesekondari.

"I-Tinkoff yaseBhanki" ifumaneke inkxaso ekhompyutheni. Wonke umntu angabhalisa idatha yabo ekhaya aze athumele isicelo semboleko. Ukuba iziko lemali livuma imvume, kuya kufuneka kubekho ukuqokelela iphakheji efunekayo yamaphepha kwaye uye kwiofisi esondeleyo yebhankini ukuze usayine isivumelwano. Ukongezelela, isayithi esisemthethweni linomlinganiselo wokubala wemali-mboleko, okuvumela ukuba uqikelele ukuba ungayisebenzisa njani imali.

"Ukufumanisa"

Iziko lemali lincinane. Nangona kunjalo, inani labathengi likhula kuphela ngenxa yezimo ezibolekileyo zemboleko. Ukuhlawulwa kwemali phantsi kwesivumelwano kuya kuxhomekeka ngqo kwiintlawulo zokuqala. Yiyiphi imboleko enenzuzo kakhulu kwintsapho? Eyona nto ibonakalayo yintsebenziswano ephathelene namaziko ezakhiwo ezintsha. Iziko lezemali linikeza isantya se-11.3%. Isixa esingaphambili kufuneka sibe ngama-20%. Iindleko zezindlu azikwazi ukudlula ii-ruble ezigidi eziyi-8.

Abo bafuna ukuthenga indlu kwimarike yesibini, baya kukwazi ukugqiba isivumelwano kunye nesilinganiso se-12.75%. Ngethuba elifanayo, umnikelo wokuqala kufuneka ube sezingeni eli-30%. Isixa esiphezulu semboleko siyiminyaka engama-30. Njengentlawulo ephantsi, i-capital parentin isingasetyenziswa.

Kwiwebhsayithi yebhanki, unokufaka isicelo sokuboleka imali okanye ubale iindleko eziqikelelweyo.

IBhanki yeTrans Capital

Ukuba ufunda umbuzo othi ibhanki inenzuzo ukuthatha imali yokubambisa imali, izimvo zeMuscovites zibonisa ukuba iimeko ezintle kakhulu zibonelelwa yiTrans Capital Bank. Wonke umntu angathengisa indawo yokuhlala kwiindawo ezihlala kuyo "Uspensky Kvartal" kuphela ngo-8% ngonyaka. I-downside kuphela yeholide elifutshane lokuboleka. I-Mortgage inokukhishwa kuphela iminyaka eyi-8. Isiphakamiso esinjalo siya kuba lula kubantu abanemivuzo ephezulu.

"ITrans Capital Bank" inikezela ukuthenga i-real estate kwimarike yesibini kwi-11.9% ngonyaka. Ixesha lokuboleka liyiminyaka engama-25. Isixa esiphezulu somthengi i-ruble ezigidi ezingama-20. Igalelo lokuqala akufanele libe ngaphantsi kwe-20% yexabiso lexabiso lezindlu. Uphononongo lubonisa ukuba nakweyiphi na isigaba, ukuhlawulwa kwangaphambili kwetyala ngaphandle kokuhlawulwa.

Iziko lezemali linikeza ukusetyenziswa kwemali yabazali njengomnikelo wokuqala. Kule meko, ukuhlawula kwangaphambili kufuneka kwenziwe kwinyanga ezili-3 ukususela kumhla wokuthengiselana.

Promsvyazbank

Eli liziko lezemali namhlanje linika iimeko ezibolekayo zokubolekwa kwemali mboleko, ngokubhekiselele kuhlalutyo. Ukuze kugqitywe umthengi, umxhasi kufuneka anikezele idatha kwiindawo ezisemthethweni zomsebenzi, ixesha lokuhlala apho kungabi ngaphantsi kweenyanga ezine. Kunenzuzo njani ukuthatha imali yokuthenga imali? Konke okufuneka ukwenze kusebenza nepasipoti yommi waseRussia, kunye nekhowudi yokuchonga kwisebe elisondeleyo yebhanki. Inqanaba elincinci (5.99%) liya kunikwa abo bafuna ukuthenga izindlu kwisakhiwo esitsha. Umqathango onyanzelekileyo - ubudala bomboleki ngexesha lekhontrakthi yiminyaka engama-21. Inzala ephantsi enjalo inikwa kuphela kuba bathengi abaye baxhaswa ngaphezu konyaka kwi-Promsvyazbank.

Abathengi abaqala ukucela uncedo kwiziko lemali baya kunikwa umlinganiselo we-11.4% ngonyaka xa kuthengwa indlu kwiimarike eziphambili kunye ne-12% xa kuthengwa ikhaya kwimarike yesibini. Isixa esiphezulu semboleko siyiminyaka eyi-25.

YaseBroselkhoz Bank

Iimeko zeziko lekhredithi alikwazi ukubizwa ngokuba yinzuzo kakhulu. Ngelo xesha, ibhanki ibine yesine ngokwemigaqo yokuthembeka, ngokubhekiselele kwiinkcukacha ezibonelelwe yiBhanki Ephakathi. Isilinganiso sokubolekwa kwemali mboleko kuxhomekeke kwimpumelelo eyenziwe ngumthengi. Ngoko ukuba uhlawula ngaphezu kwe-50% yexabiso lokuqala lepropati, inzala yonyaka iya kuba kwinqanaba le-11.5. Ukuhlawulwa kwangaphambili kwintlawulo yebhanki ngu-10%. Ngelo xesha, ireyithi yonyaka iya kuba kwi-12,9%. Isixa esiphezulu semboleko siyiminyaka engama-30. Ukuthengiselana kungagqitywa kwi-ruble ezigidi ezingama-20.

Kunceda njani ukuthatha imali? Ukuphononongwa kubonisa ukuba, ngaphezu kokuhlawulwa kwangaphambili, kuya kufuneka ukuba uqinisekise ingeniso yabo. Ibhanki ihlola ngokucophelela ukuchithwa kwamakhasimende. Cinga ngesicelo sokuqhubela isibonelelo semali yokuthengiswa kwemali singakwazi ukuya kwiintsuku ezi-5 zokusebenza.

Kuphi kwaye kuyintoni inzuzo ukuthatha umboleko wempahla: umyalelo wesinyathelo-nge-nyathelo

Abo bathetha ukuthenga izindlu ngetyala, kuya kufuneka benze oku kulandelayo:

1. Ukufunda iziphakamiso zamaziko athile atyaliweyo, khetha ukhetho olufanelekileyo.
2. Thumela isicelo sokuqala kwi-intanethi kwibhanki ekhethiweyo.
3. Ngempendulo efanelekileyo, qokelela ipakethe efunekayo yamaphepha. Oku kulandelayo kunyanzelekile: ipasipoti yommi waseRussia, ikhowudi yokuchonga, ithikithi lempi xa likhona, umqulu kwisimo somtshato (ukufumaneka kwabantwana), isatifiketi sengeniso kwiinyanga ezi-6 zokugqibela.
4. Ngencwadana yamaxwebhu afika ngexesha elimiselweyo kwibhankini aze agqibe isivumelwano somboleko.

Ukongezelela, iziko lemali liza kufuna amaxwebhu anxulumene nezinto ezithengiswayo. Ukongeza, ibhanki ingacela idatha kwingeniso yamanye amalungu entsapho. Iphakamileyo yemali engenayo, enkulu amathuba okuba ibhanki iya kunika impendulo efanelekileyo.

Ukuphathwa kwemali kunokunceda abo baqinisekile ngekamva. Ngaphandle kokuzinza, akufanelekile ukungena kwesivumelwano kunye neziko lemali.