Sberbank: kwemali-mboleko phambi kwexesha (iimeko, ukubuya inshorensi)

Kaninzi kwenzeka ukuba ngokuthatha imali-mboleko ukuba isixa onesidima, umthengi emva kwexesha elithile, wothuka kukufumanisa ukuba ekhuselekileyo kwaye ukulungele ndokuhlawula kakhulu ekuqaleni. Wabuya ke kufuneka uye kwiziko mali (umzekelo, i-Savings Bank). intlawulo yokuqala-mboleko, njengoko engaqhelekanga, nto wamkelwa lilo naliphi na iziko lamatyala. Kwaye oku akumangalisi, kuba msinyane wena buyisela-mboleko, uphantsi kwingeniso efunyenwe yi-Bank.

Kunjalo, phantse zonke iibhanki ukuba abathengi ukuba babuyele imali ukuba bakulungele ukwenza oku, nangona kunjalo, ngamanye amaxesha kuyimfuneko ukwenza ezinye iimeko ezongeziweyo, umzekelo ukuhlawula isohlwayo okanye ukuhlawula imali eseleyo ihlawulwe ngokupheleleyo.

Enye amaziko zebhanki ezimbalwa, engaquki kuhambela phambili kubaboleki akukho iimfuno ezongezelelweyo i Savings Bank of Russia. Ngaye intetho.

Yintoni na intlawulo yokuqala

Ngoko ke, siya Sberbank. kwemali mboleko Early kungenziwa nangoko ngaphandle kwemiqathango. Kufuneka wazi ukuba le nkonzo epheleleyo kunye noluphakathi.

Eyokuqala i imeko apho ngaxeshanye wenze yonke imali yetyala kunye nenzala ikwagqibezela sisenzo isivumelwano semali-mboleko.

Kwimeko yesibini, imali-mboleko liyavuzwa kuphela inxalenye. Emva kokwenza imali efunekayo (elingaphezu intlawulo esisinyanzelo) yetyala kuhlala engahlawulwanga, isivumelwano semali-mboleko kunye intshukumo kuyaqhubeka.

Ukuba ndithetha inyaniso, akukho nokuba akuqala uhlobo ngayo intlawulo nibe sasebenzisa - isamana inzuzo kwaye ibhanki ngokuqinisekileyo ezilungileyo kuwe. Kwiminyaka emihlanu edlulileyo, phantse onke amaziko ezemali kubaxhasi bawo bohlwaywa ngenxa senzo, kodwa ngo-2011 lo mkhwa wavakaliswa mthethweni (Art. 809, 810 of Code Civil).

indlela yokubhatala Annuity

Ukuba uye Sberbank, intlawulo yokuqala-mboleko, okanye mandithi izenzo zakho ngexesha elifanayo liya kuxhomekeka kanye wena buyisela njani imali yakho. Ukuba isimiso ngonyaka, oko kukuthi, wena wenze nyanga nganye kwi-akhawunti ye-mali efanayo, kuba intlawulo yokuqala ityala kuya kufuneka ube:

• kusengaphambili ukudlulisela kwingxelo imali eyaneleyo;
• ngosuku, oko umva le -umlenze elandelayo, zingafunyanwa umsebenzi ebhankini imvume esikhethekileyo intlawulo yokuqala ye-mboleko;
• emva kokwenza kuthetha ukuba ucele umqeshwa ebhankini ukuphuhlisa isicwangciso sentlawulo ezitsha, ezisekelwe phezu eseleyo;
• xa unayo yonke imali ukuqinisekisa ukuba mboleko ivaliwe, uze ucele umqeshwa Savings Bank ukuba akhuphe isiqinisekiso esiqinisekisa le nyaniso.

Ukuba mboleko kufuneka ishedyuli enomahluko

Ukuba intlawulo yakho obungalinganiyo, nani kufuneka atyelele iziko lamatyala (kulo mzekelo - i-Savings Bank). intlawulo Ekuqaleni kulo mzekelo kwenzeka malunga ngendlela efanayo:

• yaqalisa score eliphakathi imali eyaneleyo;
• Sibhenela umqeshwa webhanki imvume ngaphambi kwexesha ukuyibuyisa le mali (okanye inxalenye yayo);
• yokusayina ukuyekwa;
• nceda ubale intsalela yetyala kunye nokudala ucwangciso entsha intlawulo.

Isilumkiso! Nangona kukuba intlawulo yokuqala ye -mboleko Sberbank inzala, izohlwayo kunye akathwali, kunjalo, kusafuneka ukuba ukulandela ezinye iimeko:

• ukuqala intlawulo yokuqala kwi-mboleko kubakho kwiinyanga ngaphambi kwe-3 emva kokubulawa yayo;
• negalelo imali eyongezelelweyo uhlawule yokuqala amatyala, unako nanini na, kodwa intlawulo elandelayo ezifunwayo kufuneka uqinisekise, ngokungqinelana neshedyuli.

intlawulo yokuqala-mboleko

Ngoku cinga lo mbuzo, njengoko intlawulo yokuqala mboleko mboleko. Savings kulo mba njengoko ayenzi ukubamba nayiphi na imiqathango, ungenza nasiphi na isixa yaye ukubuyisela mboleko ngokupheleleyo.

Kakade ke, ukuze uhlawule lonke ityala ngexesha elinye ithuba akunakwenzeka ukuba ivele, kodwa iimali ezincinci ungenza qho ezithile. Kukho iindlela ezimbini ukubala imali eseleyo kwi-mortgage:

1. Nciphisa ubungakanani intlawulo yenyanga ngenxa iidipozithi supplementary wangaphambili. Loo ndlela isoloko isetyenziswa xa umxhasi akaqinisekanga ukuba umgangatho womvuzo elizayo ayiyi kuzohlwaya, yaye unako ukuyihlawula imali ebonakalayo ixesha elide. Igama elipheleleyo-mboleko, nangona kunjalo, uhlala okufanayo.
2. Shiya i iintlawulo mandatory ngenyanga kwinqanaba elifanayo, kodwa ngenxa egqithisileyo ngenxa ukunciphisa kota mboleko ngokwayo. Le ndlela ixhaphake kakhulu njengoko kuthathwa ukuba ngale ndlela unga nciphisa ngokubaluleka egqithisileyo iyonke kwi-mboleko.

Enoba kwenzeka ntoni na, phambi kwexesha ukuhlawula ityala, kuyimfuneko ukuhlola ikhontrakthi ngenyameko. Mhlawumbi sele pre-wawabala onke iindlela kunye nemiqathango uhlawule ekuqaleni.

Ndimele ndenze ntoni?

Ngoko ke, ngokulandelana imiyalelo step:

1. Wafaka phantsi isicelo Sberbank uhlawule ekuqaleni.
2. Bhala namanye amaxwebhu, ukuba kuyimfuneko (oku kuya kuthi umphathi).
3. Sibuza umsebenzi lebhanki ekube- eseleyo, okanye wenze oko wena usebenzisa ikhalityhuleyitha kwi website yayo.
4. Senza imali kwi amanqaku lakho ngetyala.

Enye ingongoma ebalulekileyo: ukuba injongo yakho ukwenza intlawulo yokuqala (iyonke okanye inxenye), kuza ebhankini zingadlulanga iintsuku ezingama-7 phambi kokuba intlawulo enyanzelekileyo. Kungenjalo akukho nto yenzekayo, intlawulo iza kubanjwa njengesiqhelo, kodwa intlawulo ngaphambi kuya kufuneka ukuba kudluliselwa kwinyanga elandelayo.

inshorensi ukubuya

Ukuba uthe wabuyela imali phambi kwexesha, ungagcina nje kuphela kwipesenti. Unako kwakhona ukubala kwi ukubuya inshorensi xa intlawulo yokuqala mboleko (kodwa hayi wonke umntu uyayazi loo nto).

Okokuqala, kufuneka uqhagamshelane kwinkampani i-inshorensi (hayi ibhanki) kwaye bangenise la maxwebhu alandelayo:

• passport kazwelonke;
• Ikopi yesivumelwano setyala;
• Isiqinisekiso esivela ibhanki ukuba mboleko liyavuzwa ngokupheleleyo.

Kananjalo kuya kufuneka ukuba ubhale isicelo eya entloko IC, nto leyo ebonisa ukuba isicelo inshorensi ukubuyiselwa kwimeko intlawulo yokuqala mboleko.

Phambi kokuthatha isigqibo malunga ukubuya inshorensi, funda sivumelwano. Njengoko unokuthelekelela, ukuba ahlukane imali akukho mntu uthanda, ingakumbi iinkampani ze-inshorensi, kunokuba iindidi 3 iimeko ukuze:

1. Imali iya nina namkhanyela. Ngoko ke inani enkulu kangangoko kubaxhasi. Inyaniso yeyoba, e-izivumelwano ezininzi apho olungiswe kwaye 'umda' abhalwe imiqathango IC ukhusela ngokwayo phantsi kwayo ukusuka imali. Kuphela ngexesha lokubhaliswa udumo ngale iincwadi ezimbalwa abantu ukunikela ingqalelo. Fumana imali yakho emva, uya kuba nako, kodwa kuya kufuneka ukuba acele uncedo igqwetha onamava.
2. SC uya kubuyela imali kuwe inxenye. Olu phuhliso kusenokwenzeka ukuba kunjalo, xa emva inshorensi ebeka sele ngaphezulu kweenyanga ezintandathu. Insurance Abasebenzi ngokuqhelekileyo bathi imali waya iindleko zolawulo. Ukuba imali ofuna ukuba mkhulu ngokwaneleyo ukuze benze isicelo Uqikelelo lweendleko ekuthe kwangenwa kuzo. Oku kuza kufumana imbuyekezo eliphezulu, kunjalo, wenze njengoko nisazi, nazo enkundleni.
3. Imali epheleleyo. Ngokuqhelekileyo, yonke imali UK ngaphandle emibuzo imbuyekezo xa mboleko leyo seyibuyisiwe ngexesha leenyanga 1-3 emva kobhaliso. Kulo mzekelo, phambi kwetyala, mhlawumbi akayi kuza, kuba i-UK kwenzeke ukufumana naziphi na iingxoxo.

ezinye bokuqonda

Kwimeko intlawulo yokuqala mboleko ekufaneleke ukuba siyicinge iingongoma ezimbalwa ezibalulekileyo:

1. Phambi ziqhagamshelane ibhanki, zama ukwenza zonke izibalo ngokwakho, oku kuya kukunceda ube calculator kwemali-mboleko (kwisayithi ye-Savings Bank). Gcwalisa imihlaba kunye ngokucofa iqhosha "Bala" kwi, ungabona ukuba imali engakanani ihlawulwe, i omtsha (uqikelelo) ishedyuli sentlawulo kunye nenye ingcaciso eluncedo.
2. Amaninzi, ukuze ahlawule imali-mboleko yonke ngenyanga yokuqala emva kokuba ubhaliso ayikasebenzi, maxa wambi ukwenza kwi zokuqala kwiinyanga ezi-3 okanye ezi-6. Ngoko ke ngaphambi kokuba kwenza-mboleko, funda ngenyameko isivumelwano, ingakumbi ukuba inxalenye yawo apho kubhalwe kwi intlawulo yokuqala.
3. Sebenzisa intlawulo yokuqala xa kunokwenzeka, kuba usindisa eninzi imali yakho.