Ngaba kunokwenzeka eRashiya ukuthatha mortgage ngaphandle kwemali phantsi

Mortgage e Russia lu dityanisiwe khobokeni ebomini, isizathu sokuba oko ixabiso eliphezulu kwezindlu kuthelekiswa ingeniso avareji, kwaye inzala aphezulu (10% nangaphezulu). Ngenxa yoko, ishedyuli sentlawulo intsapho avareji angasolula phantse kwi pension. Igama avareji nezivumelwano zokubambisa - kwiminyaka eli-17. Ngeli xesha, obolekayo ukuhlawula izihlandlo ezibini-kathathu iindleko indlu.

Nangona 'eqolo "nezivumelwano zokubambisa yayo ngezinga elizweni lethu yaye imfuno bugwetyelwe. Ingxaki "irente okanye indlu" ivela mortgage kuluncedo kuba iintlawulo zenyanga zithunyelwa yokuthenga izindlu zabo, kunokuba shwaka ingqalelo iindleko ezizinzileyo.

Amaxesha amaninzi, lo mboleki unganengxaki intlawulo phantsi, kodwa ukungabi nayo. Kuthekani ukuba intlawulo yokuqala ye-mboleko ungazange ezingasetyenziswanga, wazikrazula yokuhlala ungasafuni? Ewe, nokusindisa njani ukuba irente indlu "utya" isahlulo onomtsalane yemali?,! Fumana mortgage ngaphandle kwentlawulo phantsi kusoloko kubonakala isicombululo kuphela ingxaki yezindlu ngenxa kubaboleki ezininzi, kodwa ngaba nyhani? Ziziphi izinto awohluke imigibe mboleko enjalo?

Enye ingongoma ebalulekileyo - thatha mortgage kungekho phantsi ntlawulo kunokwenzeka kuphela kwimarike real estate lesibini, njengoko mboleko yezindlu kwicandelo lokuqala lu dityanisiwe emngciphekweni omkhulu (kwiintengiso kabini, ukwakhiwa ixesha elide, njalo njalo). Ukuba ufaka le iingozi amathuba yokwendalo ixesha elide mboleko ekhutshwe ngaphandle kwentlawulo phantsi, iingozi ibhanki likaThixo likhulu. Ngokuqhelekileyo, e ezinjalo iimeko, i-credit umbutho ayikho ukulungele yaye akunakusebenza.

Nokuthathelwa indawo ngeqanda Intlawulo phantsi yinto efanelekileyo kuphela kwabo babe umvuzo oluzinzileyo phezulu, kuba iintlawulo zenyanga liya kuba phezulu. Ubudala Kubalulekile: kuyimfuneko ukuba mboleko ivaliwe de ubudala umhlalaphantsi umboleki kunye guarantors yayo.

Njengokuba abheke iibhanki, zokubambisa kungekho ntlawulo phantsi - ishishini oluyingozi, ngoko izinga lenzala iya kuba ngaphezu kwi-mboleko kunye kwangaphambili.

Kwakhona khumbula ukuba xa usenza isibambiso zezindlu zifuna iinkonzo Umvandlakanyi kunye inshorensi waloo propati.

Kukho ezimbini iinketho ukufumana mortgage ngaphandle kwentlawulo phantsi. Ukhetho lokuqala - ukuba amalungiselelo kwenye yebhanki mboleko ngumboleki intlawulo phantsi kunye mortgage ngokwayo. Ingeniso kufuneka avumele ezimbini ukuhlawula imali, ngoko, olu khetho efanelekileyo kubaboleki ngamandla yokuthenga phezulu. Ngokutsho neemfuno kwiibhanki uhlawule mortgage kufuneka ukuya ngaphezulu kwe-30% yomvuzo net yenyanga ye-nye umnikimali nomamkelimali. imali Net - yonke ingeniso ebhalwe (imivuzo, imihlala-phantsi, izibonelelo, njl) ngaphantsi liabilities (mboleko, isondlo).

Ukhetho yesibini - ukukhupha isibambiso kwenye yezindlu ekhoyo. Ngoko kuyimfuneko ukuba luthathele ingqalelo ukuba ibhanki iya kunika uzuko ngenxa ngemali engadlulanga-90% yexabiso lentengo, oku kunciphisa amathuba kokufelwa yayo ngokwindla kwamaxabiso impahla. Ezinye iibhanki baze njengoko intlawulo phantsi ukubeka abantu abasondeleyo tyaba (ezifana abazali) lo mboleki. Le kwicala mortgage ukubolekisa kukho imfuneko yayo eninzi, njengoko abazali bazama ukunceda abantwana babo aziintanga, kodwa iminyaka pre-retirement nawomhlala akasivumeli ukuba akhuphe imali ixesha elide. Making sithembiso indawo yesibini, kufuneka baqonde ukuba xa kuthe nobunjubaqa kwi mortgage ubeke phantsi ingozi namakhaya abo zibathandayo kwaye ngokwabo siphelelwe zaziswe square metres. Ngoko ke, kubalulekile ukuba ukuhlola ingcinga imisebenzi yabo, ukuba babe nentembelo bayakwazi ukuhlawula, ekulondolozweni lwexesha elide kunye nokukhula bengeniso yakho (umvuzo).

Ngoko ke, thatha mortgage ngaphandle kokuba intlawulo phantsi enokwenziwa abaselula abantu omeleleyo ongahlawuli eliphezulu igosa, kunye nembali entle ngetyala abanqwenela ukuba kuthengwe izindlu kwimarike zasesekondari, kwaye kuhle - ukuba free ulwelo nemihlaba (okanye wesithathu) ukwenzela mboleko yesibini.