Phantsi eluphahleni lwendlu ... ayikho yakhe; lakuthengisa ngayo indlu kwi mortgage

imeko ingaqhelekanga apho umntu nokuthengisa isithuba ephilileyo extra kwaye enqwenela kangangoko kunokwenzeka ukuze aqinisekise ukuba ulithenga ngokukhawuleza, kodwa luck kwakuza kufuneka abathengi ukulungele ukuhlawula khona ngoku, akukho - lonke icebo ukufumana eyakho square metres zabo, ngokuthi abhenele-mboleko. Indlela ukuthengisa indlu kwi mortgage, kunokuba imali? Ziziphi bokuqonda mela kuwe umthengisi indawo, ukuba niyavuma ukuqhagamshelana yabathengi ibhanki yakhe? Yintoni ezahlukeneyo intengiselwano phezu intengiso yezindlu nge-mboleko kwiskim bemveli intlawulo ngenxa yokuba imali yakhe?

Ziziphi iingenelo unika ukuthengiswa ngesango mortgage?

Akukho ixabisa ukukhathazeka okukhulu, bakugqale, ukuba athengise ngayo indlu kwi mortgage, ukuba kungcono ukuba wazi zonke izibonelelo eziya ndinise ukujongana ebhankini. Okokuqala, simele siqonde ukuba nawe xa uvumelene kunye nabathengi, ukuba angavumi ukuba ukuthenga iimitha sakho ukuba abakwazi, ngokuba ibhanki iya imvume ukuthenga indlu yakho, yaye uya linda kuphela cwaka ifunyenwe imali. ukuthenga isiqinisekiso nge imvume kwangaphambili aya kukuvumela ukuba bakhululeke kwaye hayi ukuba kuphulukana umthengi.

Ungakhathazeki malunga nenani nemimiselo, ukuba ucinga ukuba athengise ngayo indlu kwi mortgage - ibhanki iya kuthatha phezu okanye sinyanzela mboleki ukuzalisekisa yinxalenye unonophelo ekulungiseleleni la maxwebhu, uvavanyo ezimeleyo, ubungqina ngobunyulu ngokwasemthethweni intengiselwano kunye nokuqokelelwa namanye amaxwebhu. Oku a plus enkulu.

Phambi kokuba uthengise indlu kwi mortgage, ukuqonda ngokuba wena, uya kufumana imali kanye ngosuku xa kusenziwa isigqibo yi-ngokwemvumelwano, yaye akukho iingxaki iintlawulo zokhuseleko akayi kuvuka - ibhanki iya ukulawula inkqubo imali transfer. Ukongeza, wena musa ngqo elinde ukuba naziphi zeenqwelwana kunye kurhwaphilizo kunye namatyala lwenkohliso okanye isivumelwano sibhalwe ngokuthanda amaqela esithathu.

Hi ndlela leyi, nkqu ukuhla yamaxesha kurhwebo real estate okanye amaxesha obunzima uya kukwazi ukuthengisa isithuba zabo zokuphila, kuba umthengi uya kuba nako ukufumana imali ebhankini, kwaye hayi ukuba uthembele ngamandla abo. Akuyomfuneko nokuba kufuneka sizamkele.

Yintoni umahluko intengiso yezindlu ngalo indlu?

Ngelo xesha esithile uya kufumana wena esithubeni. Siza kufuneka balinde isigqibo yebhanki ukunika mboleko sokubambisa ukuze kufunyanwe indawo ethile, kodwa ke yonke into ihamba kubhontsi - inkqubo ze sokubhaliswa kwamalungelo obunini mortgaged kuwo onke amaziko ezemali sele lusekiwe, yaye akuyomfuneko ukuba bacinge ngokuba injani na inyathelo elilandelayo - yonke into kucingelwa phandle endodeni.

Ukubila ekulungiseleleni kwipropati intengiso nokuba ngumthengi kunye nomthengisi. Ibhanki iza kufuna impahla eqinileyo lwamaxwebhu kunye data kwi yokuhlala ezifunyenwe. Ukugqiba ukuthengisa njani yokuhlala nge-mboleko, kufuneka ubungqina kuqala ukuba lithobela iimfuneko kunye nemiqathango mortgage Ukubolekwa ibhanki.

Ngexesha lobhaliso kwamaxwebhu, kwakunye naxa kufakwa isicelo ibhanki ezisebhokisini kufuneka onke amaphepha kule propati. Credit ngenxa illiquid asethi ibhanki ayiniki phandle, kunye nendawo abahlala esi sikwazi ukusebenza ngexabiso nemakethe. Ngoko ke imali kwi yezikwere Siyakuphepha umgangatho ngexabiso eliphezulu akuyi kuwushiya.

Ukuthengisa igumbi mortgage Sberbank kakhulu kunokwenzeka, nangona linoluvo lokuba oku umbolekisi kakhulu fastidious kweli lizwe. Kodwa yena unelungelo lokuba kuba njalo, kuba inikeza iindleko ziphantsi kwemali waboleka kwaye iqinisekisa nokuthembeka eliphezulu kwemicimbi.