Mortgage e Yekaterinburg akukho phantsi intlawulo: imizi egcina imali, iimeko

amazinga Mortgage baya kwanda, esingakwaziyo kodwa boyikisa ngabahlali izixeko ezahlukahlukeneyo kwilizwe lethu enkulukazi. Noko ke, abo bafuna ukuthenga izindlu, eziziziqalelo akukho lokukhetha bandisa isixa esikhulu semali ukuthenga indlu nzima. Noko ke, kukho izinto ezithile ezingavela. Nokuba ukubhaliswa abemi mortgage kufuneka wenze igalelo lokuqala (px), imali leyo ukuya kwi-30% yexabiso lentengo.

Yaye kuthekani ngabo akukho mali kunye nentlawulo yokuqala? Kulo mzekelo, ngayo zama ukuzoba e Yekaterinburg mortgage ngaphandle kwentlawulo phantsi. Iibhanki ezinkulu neenkqubo ezinika leyo mboleko, kodwa kule meko ke kuyimfuneko ukuba uyithathele ingqalelo ezinye bokuqonda ezibalulekileyo.

Iimpawu zokufumana mortgage ngaphandle PV Sberbank

Esi sibonelelo kunokwenzeka ngokwenene ukufumana imali-mboleko kwi ngokwemiqathango amahle evumayo. Nangona kunjalo, kufuneka kukhunjulwe ukuba Yekaterinburg Savings Bank mortgage ngaphandle kwentlawulo phantsi sisixa semali ukuba ummi ufumana ukuhlawula imali ebutsheni kwelinye iziko lamatyala. Oku kuthetha ukuba umntu akanayo ukutyala imali zabo mboleko sisondele kakhulu kwenye ibhanki kwaye usebenzise njengento PV.

Ukuze ufumane-mboleko kwi-Savings Bank kufuneka uqinisekise ukukwazi kwabo ukubhatala kunye nokunika isiqinisekiso soko kuForm 2-emhadini.

bank Mortgage "Ukuvulwa"

Le yenye intlangano enokuthenjwa apho ungakwazi ukuthatha imali-mboleko ngaphandle PV. Abo banqwenela ukwenza amalungiselelo mortgage e Yekaterinburg ngaphandle kwentlawulo phantsi, ziyafumaneka kwi inkqubo "Mortgage Plus". Ngokutsho kwakhe, uyakwazi ukufumana imali-mboleko kwaye yenze isixa ephambili imali nxamnye zokuhlala elizayo.

Kulo mzekelo, umyinge wenzala yi 13.5% ngonyaka. Ngako oko, ukuba umhlali isixeko itsalela amboleke engange 5 million, qho ngenyanga uza kuhlawula malunga 60 500 engange. Ngenxa yesi sizathu, i-egqithisileyo iyonke iminyaka engama-20 ziya kuba malunga 9 million engange.

"Gazprombank"

"Imali" evela ebhankini - yinkqubo enika abemi ithuba siyohlala ekhaya elitsha ngaphandle Intlawulo yokuqala. NgokoMthetho mortgage ngaphandle kokuba intlawulo ezantsi Yekaterinburg kakhulu inzuzo. Ukuba ungummi kuthatha indawo yokuhlala kwigumbi ngetyala, ezixabisa izigidi-5 engange, intlawulo yenyanga iya kuba ngamawaka-50. Engange. Kulo mzekelo, izinga lenzala liya kuba ngaphantsi kunolo Savings Bank. Kuya kuba 10.25%. Ngako oko, le egqithisileyo lokugqibela engama-20, akayi kuba ngaphezulu kwezigidi 6.7 engange.

iimeko ImiGangatho nokufumana mboleko kunye kungekho ntlawulo ezantsi Yekaterinburg

Ukuze siqonde ngcono ukuba alindele ukusuka kwiziko lamatyala, cinga imeko eqhelekileyo. abahlali Masithi wagqiba ukuya ebhankini wathenjiswa inkqubo "izindlu Credit." Ngokutsho kwakhe, lo mortgage e Yekaterinburg ngaphandle intlawulo yokuqala iya kuba ezahlukeneyo miqathango ilandelayo:

• igama mboleko iminyaka engama-20.
• Isixa mali inokuba ukuya kwi-100% yetotali yexabiso kule ndlu. Noko ke, isixa-mali iya kuxhomekeka kumgangatho bengeniso mboleki.
• Le propati izibambiso ibhalisiwe (njengoko kunokuba imoto, izibambiso, njalo njalo. D.) Of ngummi okanye izalamane zakhe.
• Njengoko guarantors kufuneka senze ebantwini-1 ukuya ku-4. Kulo mba, konke oko kuxhomekeke kwimali-mboleko. Ukuba ungummi kuthatha akukho ngaphezulu kwe-300 lamawaka. Engange, ngokwaneleyo ukuba kumema omele omnye kuphela. Ukuba imali-mboleko amawaka 300. Engange kuya kufuneka abantu 2 njalo njalo. D.
• Age of umboleki kufuneka mayingagqithi engama-65 ngexesha lokwenza intlawulo yokugqibela.
• Ngummi kufuneka umsebenzi osisigxina, apho asebenza iinyanga ezi-6.

Kwakhona anikele ingqalelo kwinto yokuba ukufumana mortgage e Yekaterinburg kwintlawulo kungekho phantsi - ayiyiyo kuphela ukhetho ekuvumela ukuba uphephe iindleko amakhulu intlawulo yokuqala yokuhlala.

exchange

Namhlanje, urhwebo-in zifunwa kakhulu, njengoko kulo mzekelo, i-PT angasebenzisa isithuba ekhoyo ophilileyo. Kulo mzekelo, akunyanzelekanga ukuba balinde indlu nizithengele. Enyanisweni, izindlu yomboleki abahlawulelweyo yibhanki nxamnye iintlawulo elizayo kwi-mboleko.

Noko ke, iinkonzo ezo nto zonke iibhanki. Maxa wambi unaniso-arhente real estate. Kulo mzekelo kufuneka silumke kwaye ukhethe ngononophelo arhente, ngenxa yokuba namhlanje kule ndawo kukho maqhinga ezininzi.

ngezavenge lesabelo-free

Ukuba Yekaterinburg bank mortgage akakwazanga ukufumana ngaphandle intlawulo phantsi, kube lula yaye kuxabise kancinane ukutyala imali izindlu zisakhiwa kakhulu. Kulo mzekelo, umthengi akuyi kufuneka ukuba uhlawule ipesenti ethile ebhankini ngonyaka ubomi. Ngoko ke, akukho kabini ixabiso lokugqibela lwezindlu ezintsha.

Le ethile kuphela yale ndlela ukuthenga kukuba uyakwazi ukungena kwigumbi elitsha nje kweenyanga ezimbalwa, okanye iminyaka, xa ekugqibeleni igqityiwe indlu. Nangona kunjalo, xa ucinga ukuba le ndlela iza kubasindisa engange izigidi ezininzi, eli xesha ngokulula uhlala kwindlu eqeshiweyo.

Kwakhona, xa kukho ekungaphumelelini mortgage ngaphandle kokuba intlawulo ezantsi Yekaterinburg wakhetha kwesicwangciso izavenge umdla-free kufuneka ithathele ingqalelo yonke imingcipheko. Umzekelo, umphuhlisi akakwazi ukugqibezela iprojekthi kwexesha, okanye ngumkhenkce nje kwakhiwa. iingxaki ezinjalo ikuyo. Ngoko ke, ngaphambi kokuba amaphepha mfuneko ukuhlolisisa ngenyameko contract ukusuka umbhekisi phambili kwaye uqinisekise ukuba zonke ezi iinkcukacha zibhalisiwe kuwo.

Mortgage wokubolekisa ngemali ziinkampani ziibhanki-amahlakani

Ukuba ngummi umthengi of "Cranberry", ngoko xa usenza-mboleko kwi "VTB 24" oko ukufumana olulodwa. Ngokutsho yonyaka eli zinga inzala kungancitshiswa ngama- 0.5% ukusuka lokwaNdlalela.

Ngaphezu koko, kubalulekile ukunikela ingqalelo iintshukumo ezifana "neemitha ngaphezulu -. Ngaphantsi kwe umlinganiselo" Esi siphakamiso ukwehlisa izinga lenzala-1%. Kulo mzekelo, ngummi kufuneka uthenge igumbi okanye nayiphi na enye impahla, indawo apho engekho ngaphantsi kwe-65 m ^2.

Ekubeni iimeko izabelo loo nto eziqokelelanayo, kufuneka balujongisise ngenyameko zonke iinkqubo ezifundiswa ze ukhethe ukhetho inzuzo.

Ekuphetheni

bank ngasinye inikeza amagama ezahlukeneyo mortgage. Kwezinye kubo amava umsebenzi umboleki kufuneka abe eziliqela ubuncinane iinyanga, kwaye kwezinye i - iminyaka 4-5. Kukwasebenza kwanjalo kwezinye iimeko. Kuba nabahlali Russian Federation yeyona ibalulekileyo ukufunda kwenzala kwimali-mboleko. Kwezinye iimeko inzuzo ngakumbi ukuze yenze intlawulo yokuqala phantsi uze uhlawule ipesenti encinci imali izivumelwano, kunokuba ukuba enze intlawulo zamabanga aphantsi kunye isiphumo sokugqibela overpaying yebhanki kwesigidi embalwa engange ngaphezulu. Kungenxa yoko le nto, xa isigqibo ukufumana-mboleko okanye imali-mboleko ukuba yokuhlala exabisa tyelelo lonke ibandla ekhoyo kwaye ucacise imigomo yabo wo yingisela.