Nokuthathelwa indawo kwi "Bank of eMoscow": ubhaliso amagama, iimeko, amanani, amaxwebhu

Ukuza kuthi ga ngoku, yeemveliso zemboleko yekhredithi zidlala indima ebalulekileyo kubomi phantse bonke abemi. Kulo mzekelo, indawo yokuqala-mboleko, kuba ebulela kule nkqubo ukufumana izindlu zabo kwezo ntsapho abaye waphupha ngayo.

Imigaqo nemiqathango ukwenzela ukuthenga mboleko real estate ukwenzela ngamnye ngamnye, kwakunye neemfuno ngenxa mboleki. Ngoko ke, ngezantsi sicinga elinye lamaziko ezigqamileyo mali, nto leyo inceda ukuguqulela zifezeke iphupha nakwizibini ezininzi, oko kukuthi, "Bank of eMoscow". Oko inikela eli ubume bezemali yaye kutheni abantu abaninzi bakhetha ukuba ebhankini. Ngoko ke yintoni na mortgage kwi "Bank of eMoscow"? Cinga ngakumbi.

Zeziphi imveliso-mboleko yokuthenga izindlu kwi "Bank of eMoscow"?

Kakade ke, amandla kwiziko logcino ukhetho olukhulu lweenkqubo ezahlukeneyo ukuboleka. umthengi ngamnye uya kukwazi ukukhetha uhlobo ngokupheleleyo noboleka kubume zezimali.

Nokuthathelwa indawo kwi "Bank of eMoscow" - is:

• ithuba ukuthenga ngetyala naluphi na uhlobo izindlu;
• ithuba amalungiselelo mortgage ngenkxaso kweenkqubo zikarhulumente;
• iimeko yokubolekisa Optimal nomtsalane.

Ukuba usapho uceba ukuthenga indlu ngetyala, "Bank of eMoscow" ulingana ukuhambela ukuze uqhelane ngokweenkcukacha nemibandela yayo.

Imigaqo lokubhaliswa mortgage kwi "Bank of eMoscow"

Yimalini mortgage kwi "Bank of eMoscow"? Okokuqala, ukuba sithethe iimeko, phantse wonke umntu onomdla imibuzo emibini - lo umyinge wenzala kunye phantsi intlawulo. Ukuza kuthi ga ngoku, "Bank of eMoscow" inikeza la magama alandelayo yemboleko:

Ukuba usapho ulilungu le nkqubo karhulumente lwenkxaso, ngoko ke umyinge wenzala uya kuba 11,75%. Ukuba kubaboleki woko na amaqela kule nkqubo, apho umyinge wenzala ziya kusetwa kwi-12%. Ngokumalunga Isavenge sokuqala, kufuneka ukuba ubuncinane i-15% xa akhawunti kuthathwe capital kubeleka. Kodwa ukuba usapho uceba ukusebenzisa iimeko ezaziwa mortgage, kuya kufuneka uhlawule-20% yamanqaku ewonke. Kubalulekile ukuphawula ukuba i "Bank of eMoscow" inikeza iimveliso mortgage isithuba seminyaka emi-5 ukuya kwi-30. Leyo yindlela nezivumelwano zokubambisa lula kwi "Bank of eMoscow".

Calculator ukubala iintlawulo isiza apho. Esi sixhobo Kulula ukuyisebenzisa kwaye elula kakhulu.

Enye into ebalulekileyo kukuba ubungakanani ngqo yentlawulo phantsi iya kubalwa imali ubuncinane. Kwaye kule meko ayibalulekanga, kodwa ixabiso lentengiso kwipropati okanye isivumelwano.

Ngokutsho imigaqo yokufumana-mboleko, isakhiwo-mali kuyimfuneko ukuba ondle kuphela iindleko zezivumelwano kwezindlu, kodwa ke ixabiso elithelekelelwayo ndawo ezifunyenweyo.

Ziintoni ezifunekayo ukuze ibe nye umnikimali Bank?

Ubume zemali liqwalasela isicelo-mboleko evela ngabemi kuphela ukuba ezifanele ezi mfuno zilandelayo yeziko mali, ezizezi:

• Nokuthathelwa indawo e Bank of eMoscow yenziwe nje kuphela kubemi Russia. Ngamanye amazwi, umntu abe ngummi welinye ilizwe, kulo mzekelo, loo nto ayithethi kuthi kukho isizathu sokwala ekufumaneni-mboleko.
• Yobudala apho ungafumana i mboleko 21god, kwaye ubuninzi - engama-60. Imeko ephambili - ekupheleni yentlawulo umntu kufuneka ube neminyaka engaphezu kwama-75.
• Lo mbutho, leyo wenziwe umsebenzi umsebenzi, kufuneka zibekwe kummandla Russian Federation.

"VTB Bank of eMoscow" ukubeka phambili iimfuno zabo phezu aphezulu.

• amava emsebenzini dozhzhen kuba ngenyanga ubuncinane 1 kwi emsebenzini emva kwethuba yokulingwa. Ngokumalunga ubude iyonke inkonzo, ifanele ibe ngonyaka ubuncinane 1.
• Ukuba mortgage yenziwa umntu ongaphantsi kweminyaka eli-27, kufuneka inike kwiziko mali olunye uxwebhu kwi inkonzo emkhosini, okanye isatifiketi esichaza ukuba akukho phantsi isibheno.
• Eli ziko zemali inika enye inzuzo enkulu - nezivumelwano zokubambisa kwindawo kanye yokuhlala kunye nendawo yomsebenzi. Oku kubaluleke kakhulu ukuba umntu ubhalisiwe kwelinye ilizwe.

Le phakeji yokufunda kwamaxwebhu afunekayo ukuze abhaliswe mortgage

Xa umntu owenza isigqibo sokugqibela malunga nobhaliso mortgage, uya kufuneka, kunye isicelo sokubhalisa imveliso sokubambisa ukuba mabaqhoboshele la maxwebhu alandelayo.

• passport Russian. Ukuba mortgage sisondela umntu asemzini, uya kunikwa imvume yokungena kunye uxwebhu ebonisa yokuhlala elisemthethweni kummandla Russian Federation.

• Uxwebhu zilandelayo ziyafumaneka oza kukhetha kuyo, loo nto ikopi mvume zokuqhuba, ID emkhosini okanye isiqinisekiso, okanye incwadi ye seaman kaThixo. Abantu asemzini zinike ikopi-mvume lokuqhuba okanye uxwebhu ebonakalalisa ukuba lo matiloshe.

• Ikopi yengxelo yengqesho istampu mandatory kwiphepha ngalinye kuhluthiswa. Olu phawu kufuneka babe yinkampani, oveza umqeshwa umsebenzi wakhe isicelo sobhaliso mboleko. Kodwa kungenzeka-mboleko kwi-maxwebhu mabini.

• Ulwazi kwingeniso evela engqesho.

Kubalulekile: Ukuba umboleki enokubakho bonendoda, esinye isiqingatha nazo zibonelelwe, ingxelo yengeniso kunye nenkcazo ukuba lisebenza nokuqinisekisa-mboleko.

Ukuba obolekayo ukunika amaxwebhu ezongezelelweyo, oko kwandisa amathuba okufumana-mboleko.

amaxwebhu

"VTB Bank of eMoscow" iqwalasela la maxwebhu ezongezelelweyo alandelayo.

Uluhlu lwamaxwebhu ezongezelelweyo:

• idiploma imfundo;
• uxwebhu ubukho asethi, ukuba ikhona;
• isiqinisekiso somtshato, ukuba umntu ngokusesikweni kubudlelwane.

Ngokuqhelekileyo, ukuba zonke ezi ngxaki zichazwe ngentla apha ukuze ufumane spravkok mortgage akayi kuvuka. Kodwa simele sicinge into yokuba xa umntu sele elidlulileyo imbali elibi kwicala lamatyala, amathuba okufumana i-mboleko iza kuphelelwa ngamandla.

inkqubo Special "Easy Mortgage" ngaphandle imali

Kwaye ngoku khangela yintoni na mortgage phezu maxwebhu mabini.

Eli ziko zemali inika enye i program inzuzo afumane mortgage amaxwebhu amabini kuphela. Le ndlela imveliso mboleko - isisombululo ogqibeleleyo kwabo bantu abathi bazibandakanya ishishini Andinaxesha simahla ukuqokelela onke amaxwebhu afunekayo. Kufuneka kuqatshelwe ukuba uyilo yale program ibonelela intlawulo yokuqala-40% yeendleko zizonke kwezindlu ezithengiweyo.

Olu hlobo ezibolekisa kuthiwa "Easy Mortgage" Bank of eMoscow "". Iimeko kuxoxwa ngezantsi.

ngokoMthetho yokubolekisa

Ukuba umthengi ufuna ukusebenzisa inkqubo "Easy Mortgage", akayi kuba nako ukusebenzisa capital ngosana ukwenza intlawulo phantsi. Ukubuyekeza ethathwa ngetyala imali isibonelelo iya kusebenza.

Kuba "Easy Mortgage" Umntu kufuneka ukusuka kwiminyaka engama-25 ukuya kwengama-30. Ngokwesivumelwano mboleko ukupheliswa ubudala somntu ayikwazi ngaphezu kweminyaka engama-65.

Xa ukubolekisa ngemali umntu obonelela iziko yemali yakho yokundwendwela, isiqinisekiso inshorensi pension, okanye naluphi na olunye uxwebhu ezinokuthi ukuqinisekisa ukuba ungubani. Njengoko umthetho, isicelo into engaba umboleki unako kuqwalaselwa specialists ibhanki kwisithuba seeyure ezingama-24.

Ukuba umntu sokuthabatha abaxhamla kule nkqubo, ipesenti-mboleko iza kuba ngaphezulu nge-0.5%.

Nokuthathelwa indawo kwi "Bank of eMoscow" abaxhasi payroll

Abantu abafumana umvuzo kwi "Bank of eMoscow", kungathatha ithuba lokufumana mortgage kulwakhiwo zemali kunye noncedo olukhulu. abathengi payroll kungathatha ithuba yeemveliso zemboleko yekhredithi ngaseludinini kunye ukuhla okubonakalayo ekhulwini.

Ngaphezu koko, abaphuhlisi abaninzi bachitha ezi abathengi, kunye ngezahlulo ibhanki yakhe, nto leyo ekuqaleni unako ukuthenga indlu sele isaphulelo ebalulekileyo.

Ukuze ufumanise ukuba abanini izakhiwo zezindlu ubabonelele, kufuneka uqhagamshelane nomnye ofisi ngesakhiwo mali ukuze ufumane inkcazelo engakumbi.

Yiloo nto-mboleko kwi "Bank of eMoscow".

reviews

Ukuza kuthi ga ngoku, iirivyu ezininzi eli ziko-mali kuphela ukuba ibhanki ingaba ukunika imigaqo kuFeliks ngetyala. Ngokomthetho ithuba ukufumana isigqibo entle isicelo semali-mboleko kakhulu eliphezulu.

eziphambili Le plus eli ziko - ithuba yokuthenga indlu ngamaphupha abo, ukuba umntu ngamnye, kungakhathaliseki ukuba ngabaluphi na uhlanga lwakhe. Ngaphezu koko, iintsapho abaselula nayo uthathe ithuba ukunikezwa okuhle kweli ziko.

Kodwa xa kukho kwakhona ezingeloncedo ezininzi kweli ziko. Okokuqala, akukho kusoloko abasebenzi abanobuchule le bhanki. Ngaphezu koko, ngalo mzuzwana kukho iimeko xa umyinge wenzala wabiza kakhulu xa kuthelekiswa ne zoqobo ekhankanyiweyo. Ngoko ke, iklayenti nganye abakhetha ukusebenzisa iinkonzo ze-sikhokelo mali kufuneka nakanjani sihlole ngokweenkcukacha zonke iimeko le mveliso mboleko.

Xa ndiqukumbela, kufanele kuphawulwe ukuba "Easy Mortgage" akukho yokuqinisekisa ingeniso - inkqubo esetyenziswa ngabathengi ezininzi, kwaye ubukhulu becala washiya wanelisekile yakhe.