Yintoni AHML? Iimpawu zombutho

Nokuthathelwa indawo kudala ingqalelo inkonzo ethandwayo kuba ikuvumela ukuba uthenge kumakhaya abo. Ukulungiselela le njongo i-Arhente iye yasekwa, ngokuvumela ukuba akhuphe olu hlobo lwe-mboleko. It inika iinkqubo kunye ngokwemiqathango yalo kunye neemeko, ezinokuba advantageously kwaye ngokuthembekileyo amalungiselelo-mboleko. Ukongeza kweli nqaku siza achaze oko AHML kwaye kweziphi iimeko zinikezelwa nabanini lwezindlu.

ukuba nombono

Ngoko ke, yintoni na AHML? I-Arhente weZindlu Mortgage nokuboleka. Lo mbutho wasekwa ngo-1997. Isizathu sokuba indalo yayo yaba nefuthe kwemimiselo zikarhulumente ka-1996. izabelo AZHIK ukuba esidlangalaleni-owned.

Iinjongo nemisebenzi ngesakhiwo

Yintoni AHML lezakhiwo? Lo mbutho inezi njongo zilandelayo:

• Ukudala imigangatho efanayo mortgages zokuhlala.
• Ukubonelela mboleko ezifikelelekayo.
• Ukufeza mortgage mboleko.
• Ukudalwa imarike yesibini.
• Formation kwimakethe izibambiso.

Kwaye yintoni AHML ukuze ilizwe? Lo mbutho ugunyazisa uphuhliso lweemveliso mortgage, kwaye kwakhona ukunika amatyala kwiibhanki. Eli lizwe AHML imibutho yase kanye kweliso kwinqanaba lengingqi.

Neebhanki ebizwa-Arhente uphumeza umsebenzi ngolu hlobo lulandelayo:

• Bona emiselwe ngokwemigaqo ye-mboleko kwaye yenziwa ngentsebenziswano ne-nye umnikimali nomamkelimali.
• Partner mboleko yebhanki lona.
• AHML ukuthenga ukusuka ekunene iqabane yeziko yezimfuneko ngetyala.
• Kuthetha ukuba amabango phantsi arhente mortgage ifumana ngokubeka iibhondi kwi imali eninzi.
• Emva kokutshintsha umbolekisi umboleki lifumana isaziso ukuba mortgage idluliselwe kwi-Arhente, kunye neenkcukacha ezintsha lokuhlawula. Kubonakala ukuba le mboleko samkelwe ngurhulumente.

Lo mzobo ngasentla ibonisa ukuba parameters yesivumelwano iimeko nomtsalane ngakumbi iibhanki zabucala. Oku kungenxa-nkqubo karhulumente, nto leyo eyenza mortgages ezikhoyo. Kodwa ke kungakho iindleko ezongezelelweyo evela kwiibhanki.

buhle

Abaninzi nibuyele HMLA. uncedo Mortgage kubaboleki na iingenelo zilandelayo:

• It is a kwiziko loluntu.
• Njengoko umxhasi weposi onikeza umbutho logcino oko kukuthi uliqabane Arhente, nevuthisayo ezisebenza umsebenzi ukhuseleko utshintsho ekuqaleni ekwavunyelwana ngokoMthetho.
• I-arhente inikezela iinkqubo ezahlukeneyo mortgage, njengoko kuthathelwa ingqalelo iintlanga ngeentlanga.

bendlela

Kodwa kukho ezinye bokuqonda ngentsebenziswano AHML. Nokuthathelwa indawo kwi umbutho kuneengxaki zako:

• Izicelo ziya kuthathelwa ingqalelo ixesha elide, nto leyo ehambisana kunye uhlalutyo enezigaba ezibini exwebhu - umsebenzi wokuqala lwenziwa yi-Arhente, ngoko ibhanki.
• Ezikulo ezinye iibhanki zikhuphisana-Arhente kwaye ibe irhafu kakuhle ngakumbi.

Iimfuneko ababoleka imali

Iibhanki inxaxheba kule nkqubo, iimeko umsebenzi-Arhente aze enze ngemali yabo. Umzekelo, kwi imilinganiselo kuyo, kukho inkqubo mortgage mboleko kwaye inkxaso. Kwakhona kukho iimfuno ezikhoyo kwabo kwiintengiselwano.

Ababoleka kufuneka ihlangabezane miqathango ilandelayo:

• Ubukho ngabemi Russian, ubhaliso kwi indawo yokuhlala okanye ahlale kwi nokubhaliswa ngetyala.
• Nokuthathelwa indawo ezinikwa abemi aneminyaka eli-18-65.
• Phantsi kwesivumelwano omnye akufuneki ukuba kubaboleki ngaphezulu kwe-3.
• UMboleki uqinisekisa isiqinisekiso yengeniso 2NDFL okanye kugcwalisa ifomu, nto leyo enikezelwa yi AHML.

Iinkcukacha iikhredithi phambi kwindawo ezisemthethweni HMLA. I-arhente ihlola ukuthobela nemigangatho kweli lizwe, ngoko nezivumelwano zokubambisa kucingwa ukuba ithembekile.

iintlobo iinkqubo

inkqubo nganye AHML luphawulwa mpawu zilandelayo:

• Mboleko anikwa engange.
• Intlawulo yokuqala ka-10-30% yexabiso impahla.
• Isixa Intlawulo aziyi kuba ngaphezu kwe-45% kwingeniso zabathengi.
• Kufuneka ukuba akhuphe inshorensi.
• Ukuba ubungakanani sakhe ngaphantsi kwe-30%, kuyimfuneko ukuba inshorensi luxanduva mboleki.
• Inshorensi sinokufunda ngendlela oyifunayo.
• Lwezindlu besibini.
• Igama elithi mboleko iphezulu yiminyaka engama-30.

AHML program ngamnye alungileyo kwakunye nangalunganga. Omnye wabo - "New". Yenzelwe ukunika nezivumelwano zokubambisa for zokuhlala kwizakhiwo ezazakhiwe emva 2007. Kwakhona le program kunatyiselwa izindlu "kuqoqosho" amakhaya. Umyinge yi 6.15% -11%.

I 'capital sikanina "ikuvumela ukuba ukwandisa nemali oyinikiweyo kwi-mali eyinkunzi. Kwakhona kokuba isetyenziselwe ukuhlawula intlawulo yokuqala ye-10%. Izinga yi 7,65-10,75%, ukuba imarike yezindlu zamabanga aphantsi, kunye 8,65-12,45% emakethe lesibini.

I 'Mortgage Military "yenzelwe abasebenzi mkhosi inxaxheba kulondolozo kunye mortgage nenkqubo (NIS). Banako ukufumana imali-mboleko efikelela kuma kwizigidi 2.2 engange. Kwi imali yemali yengeniso alichatshazelwa. Igama eliphezulu umiselwa xa umthengi engama-45 ubudala.

inkqubo nganye kukuvumela ukuba ufumane mortgage kwi amagama kakuhle. zavunyelwa kunye nokuhlaliswa iinkqubo ulula. Abathengi banikwa izinto ngaphezu ekulungiseleleni mortgage eqhelekileyo.