Le mali ukuze ibuye yakhiwe apho unikwe ikhredithi ngenxa ukulungiswa zokuhlala?

Ukuba isigqibo ukukhawulezisa inkqubo yotshintsho nendawo zabo zokuphila, ngoko kuza kubanceda iinkqubo ekujoliswe ngetyala ngezimali ukulungisa. osemqoka lwabo lokwahlula na imfuneko umdla iingcali - ukuhlawula imali kunye neqela labasebenzi kude ngokuxhaphaza kwemali waboleka ngeke isebenze. Koko ibhanki kungcono ukuthatha ngetyala ukulungiswa zokuhlala, yaye apho iimeko ifanelekileyo zokutshintshwa indlwane intsapho yakho?

kwesigidi se-Bank "Orient Express" Half

Ibhanki ilungele ukunika mali engange-500 000 kwiminyaka 1-5 ukuphucula umgangatho wobomi - nokulungiswa indlu okanye indlu. "Orient Express" kuya kuba negalelo ngokuhlaziya ikhaya lakho ngentlawulo ngeqondo ka-23.5% ngonyaka, ukuba ngaba umthengi rhoqo bakhe, kwaye ngama-26% ngonyaka ngamnye, xa uthe weza ibhanki okokuqala. Credit ukuba kutywinwe zokuhlala sikhutshiwe ngaphandle ukubandakanyeka guarantors okanye ukubulawa akananto.

Isigqibo ukunikezela iziko mali uthe kuthatha imizuzu emi-5, kunye nemfuneko sobhaliso yokundwendwela rhoqo kwaye enye amaxwebhu real estate:

• ubungqina bobumnini;
• isivumelwano privatisation;
• isivumelwano yentengiso;
• ke;
• isigqibo senkundla;
• isivumelwano sengqesho izindlu nkonzo.

Umda yobudala ebekwe kuluhlu engama-21 ukuya kuma-65, kodwa ke abameli isizukulwana esitsha - ukuya kutsho kwiminyaka 26 - Iimfuno umbodamo: ukuze bafumane udumo ukuba kutywinwe iintanda zokuhlala apha, baya kufuneka ikhono labo hlawula uqinisekise engqesho.

Ukwakhiwa zokuhlala 'turnkey' ukusuka 'CreditEuropeBank "

Hayi credit kuphela ukuba kutywinwe zokuhlala bathengwa ngoncedo "CreditEuropeBank" - imali ebolekiweyo ibe eyachithwayo kuthengwa izixhobo zokwakha kunye nokuthengwa kweempahla ukuba ikhaya nomphakathi. Customer yeziko zemali abe ngaphandle ukutyelelwa kwisebe, ngokwaneleyo ukuba isicelo umbutho iqabane ebhankini, ebonelela ngeenkonzo ufuna okanye athengise impahla eziyimfuneko ukuze ilungiswe.

Ifumaneka le lokuthenga lolungiso izindlu ukuba abemi baseRashiya nge-21, lo gama abafazi ukuthatha imali kunye neminyaka engama-20, kunye nentlawulo-10% yeendleko ngaphandle epokothweni. Ukugunyazisa isicelo kufuneka, ukongeza yokundwendwela, yaye angenise amaxwebhu ezongezelelweyo, kubandakanywa kwingxelo yengeniso kunye nekopi yencwadi yomsebenzi eqinisekisiweyo.

Kuthatha ukuya engange million omnye iminyaka ukuya ku-5. Imigaqo zokuboleka kunye neendleko kweemali kumiselwa yinkqubo mboleko ekhethiweyo. Uyakwazi ityala nangoko iinyanga 3-12 phantsi 21,5-30,3% ngamnye ngonyaka okanye i-mboleko umgangatho iminyaka emibini nangaphantsi-17%. Okanye iminyaka emi-5 kwi-23-25% ngonyaka ngamnye kwi-nkqubo "Simple ukhetho".

Ukulungiswa izindlu kunye kwibhanki "Russia"

Baye iinkqubo zabo kwiibhanki zengingqi. Ngoko ke, i "Rus" ibonelela ngemali lolungiso ezinkulu kweendawo zokuhlala okanye ekugqityweni kokwakhiwa indlu lizwe yokufeza yayo. Wammela-mboleko kwakukho indlu facelifted okanye into phantsi kolwakhiwo kwaye kamva indlu yangasese ngokwayo.

Ukufumana imali-mboleko yokulungisa ezindlini ezi abahlali kweNqila Orenburg kwi mali engekho ngaphezulu kwe-60-70% yexabiso inconywe lwepropati - ukusuka engange amawaka 100 ukuya 1 million .. Ixesha lokuhlawula imali-mboleko kube ukuya kwiminyaka esi-7. Umlinganiselo wenzala kwi mboleko - ukususela nge-13 ukuya kwi-25% ngonyaka.

Ukuba uthe lokuthenga ukuba kutywinwe iintanda kwigumbi angenza isicelo kuphela kubasebenzi abaminyaka yobudala eyi-21, kodwa umhlala, abasebenzi kwicandelo likarhulumente, oosomashishini ngamnye kunye nabantu abaziqeshileyo - amagqwetha kunye amaxwebhu, iibhanki ngokubanzi ayikho kakhulu kunye nenkoliseko kunene. Uluhlu lwamaxwebhu afunekayo kuquka iphepha kuphela, engqina sizinzile yemali client, kodwa kwakhona impahla ye amaphepha nokubhaliswa kwesivumelwano yemali. Ukongeza, kuyimfuneko ukuba inshorensi into isibambiso, kwaye ukuba oyifunayo, uya kukhutshwa umgaqo-nkqubo we-inshorensi yobomi okanye ngummeli wowona draw ukuthoba izinga.

Njengoko ubona, ukhetho kwi ukuba nendlela apho adunyiswe indlu zalungiswa ngo kurhwebo lwasekhaya yeemveliso zebhanki - ezininzi, ngoko uyakwazi ukufumana isisombululo esifanelekileyo ngaphandle umgudu, ukuze aqhelane zonke iziphakamiso kufuneka kuphela ngenyameko.