Mortgage ngokutsha: iimeko kunye namaxwebhu

Ngaphambi kokuba uqalise ukuthetha ngayo ngokutsha, kubalulekile ukuqonda oko mortgage yaye oko kunika umntu oqhelekileyo. Ngamagama alula, olu mboleko ebhankini ukuze bathenge izindlu apho ipropati uhlala kwipropati onetyala, kodwa ke isitshixo ogwetyelweyo otyalwayo, oko kukuthi, ukuba onetyala engazifezekisi iimfanelo zakhe, otyalwayo unakho ukusebenzisa ilungelo intengiso akananto ukubuyisa imali yabo. Kwelinye icala, loo nto yenza kube lula ukufumana izindlu sokubambisa, kodwa kwelinye icala, kufuneka kuqondwe ukuba xa bethenga indawo yokuhlala kwigumbi ngendlela kufuneka uhlale ezinganyibiliki kakhulu ixesha elide. Ngenene namhlanje kunzima kakhulu kukugcina yokuhlawula amatyala ngenxa yezizathu ezininzi: ukulahlekelwa imisebenzi, imivuzo ephantsi, okanye iingxaki zempilo. Noko ke, ibhanki Akukhathaliseki, nokuba kungasiphi na isizathu, onetyala akakwazi ukwenza intlawulo efunekayo. njani oko, xa kwakukho kumandla athile majeure, yaye akukho kungenzeka ukuba igalelo ngendlela efanayo? Apha oza kusetyenziswa inkonzo enjalo, njengoko ngokutsha mortgage.

Yintoni na?

Okwangoku, xa kusenziwa, ngokuhlengahlengisa mboleko akakakwamkeli usasazo ngendlela efanelekileyo. Eyona nto kukuba isisombululo onjalo kuyingenelo kuphela umboleki elunxwemeni inzuzo kuphela yokuba onetyala uya kuhlawula, kodwa hayi kangangoko ngaphambili. Uhlengahlengiso - utshintsho iimeko zemboleko, emva koko umboleki ifumana iimeko zivuma ngakumbi Thabitha. Le nkqubo akuthethi ukunciphisa ubungakanani intlawulo ekugqibeleni yaye ngokuqinisekileyo ngentla apha akumkhululi loo mboleki ityala lakhe, kufuneka uhlawule imali kunye, kodwa ke ngokwendlela kakuhle ngakumbi.

Utshintsho emva ngokutsha inokuba nomahluko, umzekelo, ungatshintsha umyalelo intlawulo okanye intlawulo yenyanga. Ngamanye amaxesha, iibhanki zinika amathuba ngaphambili pay kuphela wenzala ukusetyenziswa yeziko zemali ezinkozo-bank, iintlawulo inqununu kulo mzekelo luhlehliswe iinyanga ezimbalwa.

Yintoni ekufuneka yenziwe ukuphumeza i ngokutsha?

Ngokutsha mortgage wabandezeleka - asinto umsebenzi olula. Ukuba uthe wena wabhekisa ixesha amandla aneleyo kunye ingqalelo, unako ukuphucula iimeko ukuhlawula amatyala alo ebhankini.

ngokoMthetho mortgage ngokutsha

Okokuqala kufuneka ukungqina ukuba ngetyala nentlangano mali, iinkonzo ozisebenzisayo, yintoni uyifuna ngokwenene. Ukuze wenze oku, kufuneka ufake kunye impahla zamaxwebhu ukuqinisekisa imeko yakho yezezimali nzima. Kungcono ukuba ukulibazisa ifowuni uncedo, okanye, xa kufikwa yokulibaziseka, oko kuya kuba nefuthe elibi kakhulu isigqibo ibhanki ukuba ukuhlengahlengisa-mboleko yakho. Ukuba ubuhlobo bakho kwiziko mali ngaphambili wahamba kakuhle, kwaye namaxwebhu yakho axhasayo kokwaneliseka, unako ukubala iimeko zivuma ngakumbi ukubala. Kodwa ke kukho iimeko apho ibhanki akayi ukuhlangabezana umxhasi, kulo mzekelo, kukho omnye ukhetho - ukukhangela abanye ngetyala kunye namaziko-mali uyavuma ukuba wenze inkqubo mboleko mboleko yakho.

Amaxwebhu ukuba ilandwe

Cinga iseti eqhelekileyo zamaxwebhu ocela nayiphi na ibhanki kuyilo ngokutsha. Ngoko ke, oko kuquka:

• Yentsusa okanye ikopi yerekhodi yengqesho, ingqinisiswe ngumqeshi.

• Ulwazi kwingeniso evela emsebenzini lokugqibela kunyaka ophelileyo.

• Ukuba kukho imali engakumbi, kwaye kufuneka unikeze ulwazi ngazo.

• Malunga nolungiselelo ngokutsha.

• Passport.

• Amaxwebhu phambi semva kwamanye mboleko, kwakunye namaxwebhu engqina izibophelelo sele zizalisekile.

• Isivumelwano semali-mboleko, waqukumbela phakathi umboleki kunye neziko zemali yebhanki, linikezele-mboleko mboleko.

• Ikopi ye-mortgage, nto leyo zingqinwe ngumbutho ekhuphe mboleko.

Ukuba ikhona, kuyimfuneko ukuba zinike la maxwebhu alandelayo:

• Ikopi yesiqinisekiso somtshato.

• Amaxwebhu engesikhokelo sekharityhulam yemfundo ezifunyenweyo.

• Ukuqinisekisa isimo esimaxongo yempilo, ukuba ngokutsha efunekayo ngenxa yesi sizathu.

• ID Military okanye isatifiketi sobhaliso.

• Amaxwebhu engqina ubukho bempahla yokwenene okanye zobuqu anakho.

Ukuba usebenzisa i-arhente real estate, kuyimfuneko ukuba athathe amaxwebhu kubo:

• Amaxwebhu ekusekeni obunini propati.

• Isivumelwano setayitile inshorensi propati.

• AmaXwebhu co-nye obolekayo nobolekwayo, ukuba zikhona.

iintlobo ngokutsha

Hlengiso abangenza kwenziwe ngeendlela ezahlukeneyo:

• Ukubonelelwa ngetyala leholide - Ngeli xesha umthengi unelungelo ukungahlawuli umzimba mboleko, uhlawule kuphela umdla inemali. Ixesha apho wanikwa ilungelo elinjalo - kwiinyanga ezimbalwa, uzimisele ngamnye. Imiphumo usebenzisa le ndlela mboleko - ngokolula amagama intlawulo.

• Uhlenga-mortgage nge mboleko - enye yeendlela eziphambili iklayenti. Xa usebenzisa oko, onetyala kuthatha imali-mboleko evela kwenye ibhanki ngethuba kwetyala lokuqala obabuyekezayo le mortgages imali. Le nzuzo iza kuxhomekeka kukuba uninzi iimeko ebhankini yesibini kubhetele xa uhlawula nge ngendlela eqhelekileyo, okwenza ukuba bamthande isixa kakuhle Mhlawuli.

• Ukunyuka kwisithuba mboleko - ngale ndlela misa ngokutsha mortgage loan ukuze wolule ixesha lokubuya kwemali, nto leyo eye yanciphisa zesixa sentlawulo yenyanga.

• Okuhlawula ngaphambi kwexesha - yonke into elula, onetyala ibuyisela kuphela kuthetha ukuba wathabatha wayengenamdla yokusebenzisa imali, ngoko inokuba ngumbono omhle ukuba wonge imali.

• Rhoxisa izohlwayo kunye nezohlwayo xa ukubambezeleka kweentlawulo. Le ngokutsha mortgage kunokwenzeka kuphela xa ixesha umxhasi ukuba ahlawule ebhankini nokunika ubungqina obaneleyo lubandakanywe ingathinteleki imeko yemali.

• Tshintsha imali-mboleko - ithuba olunikezwa ngabanye iibhanki, ukuba kukho utsibe isantya sonaniso.

• Kukho mortgage ngurhulumente-ngokutsha. Ngamagama alula, olu uncedo kwi ukuhlawula imali-mboleko. UMthetho on ngokutsha mortgage bubonisa ukuba ukuze ukunceda abarhafi ukuyibuyisa le mali-mboleko kwi-25-70%. konke kuxhomekeke kubungakanani ityala eseleyo.

"Ekhaya Credit Bank"

Kweli ziko-mali unalo inkonzo ekhethekileyo - kwimo ngetyala, ungasebenzisa oku nokuba wena zibuyiswe iintlawulo. Isicelo ngokutsha Wonke unako kwisimo, ekunene kwi website lomlambo lowo. Xa isicelo, ukongeza iinkcukacha zakho, kwaye ibonisa unyango sisizathu sokuba akukho ndlela ukuhlawula iintlawulo zenyanga ngokupheleleyo ngokwemigaqo endala. Kwakhona uchaza ukhetho zohlengahlengiso.

yebhanki yokonga

Le ibhanki unikeza 2 iinketho, nto leyo uthathe ithuba umthengi ngamnye, abanjiswe nemeko enzima zemali: utshintsho ngokwemigaqo yokubolekisa ngemali iholide. Lenquba yenzelwa kuphela kwi ntetho kobungqina esengxakini.

VTB

Uhlenga-hlengiso lo VTB mortgage kuyenzeka. I-Bank inika inkonzo enjalo, kodwa zonke iimeko ukuba kuxoxwe ubukho lobuqu onetyala kunye ngabanye ukuba kwimeko nganye. Ngokunika inkonzo kufuneka uqhagamshelane isebe lebhanki kunye isicelo ngokutsha mboleko mboleko.

Kucelwe Bank

Le nkonzo ayikho nezivumelwano zokubambisa kuphela kodwa iimali-mboleko zemoto kunye mboleko imali. Apha, kanye njengokuba i-Savings Bank, kunika ithuba ngokutsha ngokwandisa ixesha intlawulo okanye ukubambezeleka intlawulo. Isicelo ukubonelela lwamancedo kuyimfuneko ebhankini efanayo apho uthathe imali-mboleko.

Khumbula, musa onke amaziko abonisa ngokutsha njengoko inkonzo esemthethweni, kodwa sisenako. Kuyo nayiphi na imeko, ukuba unobunzima ngeentlawulo, qhagamshelana ibhanki nabalungiselelayo nokuqwalaselwa mboleko. Ngenxa umthetho, ukuba sinyanisekile abathengi zabo, ukuze usoloko unayo ukhetho xa kukho ubunzima ukufumana uncedo. Kufuneka ukunika inkcazelo eneenkcukacha malunga ingxaki nazo, uze uzame ukuqokelela onke amaxwebhu ukulungiselela Ukunikwa ngokutsha.