NaseNovosibirsk mortgages akukho intlawulo phantsi: imizi egcina imali, ukubuyekeza iimeko

Ngoko ke akukho mfihlakalo ukuba kuthengwe izindlu ukuba inkoliso yabantu ezinxulumene neendleko ezinkulu zemali. Iindleko izindlu lisoloko libandakanya imali enkulu. Kuba baninzi, oku kunokuba kwisithintelo esikhulu, ngokukodwa abo kuqala ubomi ezimeleyo omdala. Esinye isisombululo kule ngxaki yokunqongophala kwenzondlela eziphilayo nendawo kaninzi iba yayo kwenkunkuma, kodwa isisombululo ingaqalwa kuphela okwexeshana. Ngoko ke, namhlanje iibhanki sibonelela inani elikhulu iinkqubo kunye neemveliso enokusetyenziswa ngokuthenga ezithengiswayo.

Yintoni i-mboleko

Mhlawumbi enye yezona ndlela ikhawuleza kakhulu lula ukuba kuthengwe indawo, leyo ayifuni ngexesha elinye-ukuqaliswa isixa esikhulu, yaye ikuvumela ukuba uhlawule ukuthenga kwakho ixesha elide, i-mboleko. Kuyinto oluthile izibambiso, nto leyo ethetha ubunini ekhaya de intlawulo ngqo apho intlawulo Umqinisekisi mhlawumbi ipropati ngokwayo, okanye ilingana ixabiso izindlu.

amagama Mortgage ku naseNovosibirsk

Inkqubo imvume kunye kunikezelo mboleko ingohluka ngokuxhomekeke ngokwemiqathango yesivumelwano kunye ibhanki ukuba inikeza. E naseNovosibirsk, la maziko zemali ukuya ku 32 Baye kwipotifoliyo yabo iimveliso enzelwe abantu zendalo, apho ixesha lokuhlawula imali-mboleko ezinye engu-50. Imigqaliselo ezisisiseko izivumelwano mortgage naseNovosibirsk iibhanki ziquka ubukho okanye ukungabikho intlawulo phantsi:

• usisigxina wenzala;
• amaxesha wihi kwikhontrakthi yemali;
• inshorensi izibambiso;
• Commission for yokususwa okanye ukungabikho.

Zonke izinto kwi calculator mortgage ikakhulu iphembelela isixa welifa real ezifunyenwe. Inzala kulo mzekelo isusela ukusuka 7,65 ukuya kwi-18% ngonyaka. Amanye amaziko zemali ukuyibonelela le amandla njenge mortgage ngaphandle kwentlawulo phantsi. E naseNovosibirsk, iibhanki zinika iindidi iinkqubo mortgage, inani esikwaziyo 300. Le yantlukwano ikuvumela ukuba ukhethe iimeko ezifanelekileyo kwimeko ethile nganye, ngelixa ofumana uncedo lukhulu.

Yintoni ebalulekileyo kuyilo

NaseNovosibirsk mortgages akukho ntlawulo phantsi - nkqubo kunokuba nzima ukuba iibhanki kunqabile uyavuma. Ukususela sokuqala sentlawulo, enyanisweni, obuqinisekisa embi nezicamango uboleke imali ukuba ayihlawule phakathi kwesivumelwano kwesithuba isiphumo mboleko, kwaye kananjalo ususa elikhulu ityala umthwalo, ekuvumela ukuba zokucutha isixa izibambiso nokunciphisa egqithisileyo ngemali-mboleko. Ngako oko, i igalelo yokuqala zero kunokubangela ukusilela engagqibekanga umxhasi kwi-mboleko ngenxa umthwalo lenyuka ngenxa ngokulinganayo eziphakamileyo le mvumelwano.

Ngenxa umthwalo onzima ukuba umthengi xa sukuba usenza mortgage ayikho zonke iibhanki bazimisele ukuthatha imingcipheko kwaye unike imvume yabo kule meko phantsi isivumelwano. Kwiimeko ezininzi ukuba ninikele umnikelo yokuqala, ogama lingu--avareji ukusukela ku-10 ukuya kuma-30%. Kodwa indlu ngaphandle kokuba phantsi intlawulo naseNovosibirsk ekhoyo. Ukuze benze oku, izigulana ezo kufuneka uzibonakalise ukubaluleka kwayo, yaye kuya kuba bubungqina obaneleyo ingeniso yakhe. Okulandelayo kufuneka ukhethe iipropati into yokuthenga kwaye isigqibo kwibhanki ezinokunika iimeko ezithandwa kakhulu kule meko ethile.

Yiyiphi indima ekufumaneni iingenelo ukudlala ezahlukeneyo iinkqubo mortgage

Ukukhetha ibhange naseNovosibirsk xa sukuba usenza mortgage ngaphandle kwentlawulo phantsi, kuyimfuneko ukuhlola iinkqubo ezikhoyo ngenyameko. Maxa wambi, iibhanki abaninzi badla zinika impatho engcono zokupasa ezizodwa. Ngamanye amaxesha umqalisi izenzo ezinjalo kubaphathi-dolophu, ngokubonelela amaqembu athile oluntu iimeko kakuhle kakhulu. Ukuthenga indlu okanye indlu kwi mortgage ngaphandle kokubeka imali naseNovosibirsk rhoqo ipha ingxowa-mali kwi-sikhokelo yenkqubo.

Ngokomzekelo, kude 2018, isicwangciso samanyathelo ootitshala kunye nabanikezeli epriskuli. Njengenxalenye nemiqathango yenkxaso-mali ikhutshwa phandle zemfundo ukwenzela ukuphucula iimeko zabo zokuphila yenkuthazo ezintsha. Bona ukuba ihlawule iintlawulo zokubambisa zootitshala, kwakunye ukuxhasa abo ubazuzileyo indawo yokuhlala kunye neemitha ezimbalwa kunesiqhelo ukuba umntu omnye. Le program kukuthi uthandwa kakhulu, ngoko ke urhulumente isixa esongezelelweyo imali yayo zokuphunyezwa.

Ukukhetha inkqubo sokukhetha kakhulu ichaza ukuba izakuba ngowuphi izicwangciso ukuthenga indlu. Nokuba na igumbi, indawo yokuhlala okanye kwindlu yabucala. Libhekisela emarikeni real estate eziziprayimari nezizisekondari. Thatha isigqibo uhlobo mhlaba ababeyizuzile nzima ukufumana inkqubo efanelekileyo. NaseNovosibirsk mortgage ngaphandle kokuba intlawulo phantsi kusenokuba yinzuzo kakhulu ukuba ungakwazi ukufumana iinkqubo inzuzo efanelekileyo.

Ukunikelwa evela abakhi

Kudla inzuzo iinkqubo kunokubonwa umnikelo ovela ngamaqela bekwi ekwakheni izindlu nezakhiwo. Enye yezi nkqubo ehlabathini. ingqalelo-mboleko evela umakhi ngaphandle kwentlawulo phantsi. NaseNovosibirsk - isixeko esikhulu asakhasayo, apho ulwakhiwo enzima iphantsi indlela. A lot of zeenkampani abiza kakhulu ukuphumeza izenzo ezahlukeneyo kwi ngokwemiqathango kakuhle kakhulu.

Kodwa ke kubalulekile ukuqwalasela ukuba ingaba ufuna xa uthenga ikhaya phantsi mortgage ukwakha ngaphandle kokuba intlawulo phantsi. E naseNovosibirsk, uphuhliso olutsha zingathengwa kwi xabiso lisezantsi kunokwenzeka.

Ziziphi iingenelo izakhiwo ezintsha

iinkampani zokwakha nenzuzo ukuthengisa indlu phantsi kusakhiwa, ngokudlulisela abalamleli yaye ngaloo ndlela kuncitshiswa iindleko kwezindlu. kanye izindlu eqongeni zolwakhiwo iindonga unalo ngexabiso eliphantsi, nto leyo eyandisa kakhulu emva kokuba kugqitywe imisebenzi yokwakha. Ngoko ke, ukuba bakhawuleze, ukuba bathenga indawo, ungakhetha inkqubo sokubambisa ukusuka umphuhlisi ukunciphisa kakhulu umthwalo ngetyala ngenxa yeendleko esezantsi izakhiwo gqitywanga. Ukuba awukwazi ukufumana ngaphandle intlawulo phantsi inkqubo efanelekileyo, ngoko ke enye ukuhlela umboleki imboleko elula, nto leyo ingxaki imali encinane mboleko.

Ukuncipha programme Sberbank

Kuba 2017 phantsi kwemiqathango zonke iinkqubo ezikhoyo mortgage Sberbank e naseNovosibirsk kwintlawulo akukho phantsi lwenziwa ngokuthi kusetyenziswe mboleki kwenkunzi umzali. Kwimeko ukuba intlawulo efunekayo lokuqala lingaphezulu kunexabiso, oko ukuba ukusungulwa isixa ezishiyiweyo imali. Sberbank kulo nyaka uceba ukusebenzisa iimveliso ezimbini, ezibonelela ukusetyenziswa capital:

• mortgages ukwenzela ukuthenga zezindlu ezakhiwayo;
• mortgages ukuba kuthengwe egqiba lwezindlu.

Kwezinye iinkqubo Savings Bank of kuhlawulwe isavenge sokuqala xa ubhaliso nezivumelwano zokubambisa ngeendleko isiqinisekiso kunye eyongeziweyo ngemali engekhoyo.

Kuba nabani na isiqinisekiso for capital lokubeleka ngo-2017 yi iinkqubo ezikhoyo inzuzo - akukho phantsi intlawulo nezivumelwano zokubambisa e naseNovosibirsk. Sberbank inika umdla sozaomschikov phantsi isivumelwano, ngaloo ndlela kusandiswa isixa izibambiso kumba.

Amaxwebhu afunekayo ukuze-mboleko

Sokubhalisa mortgage xa uthenga impahla ibhanki iya kufuneka ukulungiselela amaxwebhu, kanti lokhu kubandakanya:

• Passport.
• inombolo VAT.
• Isicelo-mboleko.
• Ileta evela kumqeshi engqina ubude inkonzo elingekho ngaphantsi kweenyanga ezintandathu kwindawo enye.
• Nceda kule ngxowa-mali yomhlala iminikelo phezu Kwiinyanga ezi-6 ezidlulileyo.

Bank ingacelwa amaxwebhu ezongezelelweyo, uluhlu onokuyi fumana kwisebe apho processing mboleko luza kuqhuba khona. Inokubanomahluko, yaye ngokufuthi ixhomekeke ebhankini kunye nenkqubo, enika uncedo. NaseNovosibirsk mortgage ngaphandle kwentlawulo phantsi kubonakale kufuna utyalo-mali ezongezelelweyo kuvavanyo kwipropati. Njengomgaqo, kuliwa ziingcali ezizimeleyo, kunye nokuhlawulwa imali yabo ifakwe kwi ngeendleko yomboleki. Ngokomndilili, e naseNovosibirsk izindleko zaso nemiqulu $ 50.

Mortgage ngaphandle kokuba intlawulo ezantsi naseNovosibirsk: ukubuyekeza

Ngokutsho izimvo zomthengi, naseNovosibirsk kwimigangatho eyahlukeneyo malunga nezivumelwano zokubambisa kungekho ntlawulo phantsi namhlanje, ubukhulu becala ngenxa ubunzima obukhulu. Ngokomthetho ke oku bachatshazelwa yi ntlekele ngo-2008. Ukususela kwixesha naseNovosibirsk iibhanki bengaxeli ukubonelela ngeenkonzo ezifana phantsi isivumelwano, ezama ukuba uyitshintshe ufake amagama afanelekileyo ngakumbi nemiqathango, musa ukwenza umsebenzi owongezelelekileyo. Mhlawumbi, ngendlela nezivumelwano zokubambisa ingxaki kungekho ntlawulo phantsi ngeke aphumelele, njengoko ekukhuliseni zinto ngokunzulu ukwandisa ngokugqithisileyo kwaye ngokuqinisa kakhulu iimeko zemboleko.