A mortgage ukuba kubalulekile ukucinga kwakhona

Le ntlekele kunye mortgage

Intlekele eyehlele i-2008-2009, njengoko nisazi, ukubetha phezu mortgage ukwehlisa kakhulu ubungakanani olu hlobo kubolekisa phantse ibe ubuncinane. On the zisiba kozinzo zemali ezibhankini lizwe ngayo utshintsho abasisigxina mortgage yokubolekisa. Rate siyenyuka, izicelo baqalisa ukuba sihlole ngakumbi, yaye kakhulu. Abo kubaboleki ezifumene imvume-mboleko phambi ntlekele, babeza kufumana kuyo sele kwindawo entsha, yaye neengxaki zawo. Ngenxa yoko, ukunyuka kwesantya kwakuthetha ukuba umboleki ukunciphisa imali into ekwakuya ukufumana imali-mboleko. Ngako oko, indlu, apho abantu babenethemba, akaba nako athenge, kwaye kwafuneka ukuba ukujonga umhlaba omtsha. Xa, iimeko kwi mortgage amaninzi kutshintshwa kwakhona.

Kwezinye iibhanki ngexesha lokudodobala mortgage kwakukho kuphela wesiqhelo. Benza iimeko phantse akunakwenzeka ukuba amazinga mboleko kunye nomdla kangangokuba akalirholanga mboleki. Kudla ngokuthi emva kwexesha elide wokuqwalaselwa amaxwebhu nje ukuba ayinakuphikiswa.

Noko ke, abantu abaninzi kwafuneka ukuba imboleko sokubambisa phambi kwentlekele ka-2008-2009, kwafuneka uzisole. Alex Shmona CEO portal for real estate Move.su wathi abo wathabatha mortgage kwindawo zeerandi nemeko enzima. Ekubeni izinga lokukhula yobungakanani iintlawulo landa kakhulu kwaye abaninzi hit the epokothweni.

Kwakhona, ngokutsho ingcali, unyaka phambi kokuba ntlekele, kunye imbonakalo imikhuba emibi kuqoqosho, iibhanki baye baqalisa ukukhangela indlela yokuphepha, yaye ukongeza igatya mortgage ngemvumelwano ukuba phantsi kweemeko ezithile ibhanki unelungelo yonyuse imali-mboleko esele imvume - umzekelo, kunye nokuhla kwexabiso lwepropati mortgaged. Ngexesha lentlekele, kubaboleki ezininzi kwakhona funda kwakhona phantsi kwisivumelwano sakho sengqesho yaye kufutshane nokungoyiki - phakathi intelekelelo ukuba amazinga mortgage iibhanki okunene kwandisa unilaterally sele kwi-mboleko. Enyanisweni, uthi Alexei Shmona asazi ingcaciso sele mboleko mortgage ngokwenene kakhulu yonyuse imali - kusenokwenzeka ukuba kuphela amatyala ekwanti - kwimimandla. Ngoko yokothuka phakathi intelekelelo waba ngaphambi kwexesha ithuba elilelakhe ezinjalo iziganeko.

Indlela yokujamelana neengxaki kubaboleki

Noko ke, hayi nje amarhe malunga Ukunyuka kwesantya senzala yemali-mboleko sele sivunyiwe kwaye nokwanda idola aphazamisane ukuthula ababoleka imali-mboleko. Iingxaki real baqala abo bangazange babe nawo nje ngxaki: ezo kubaboleki baphulukene nemisebenzi yabo okanye ngenxa yesizathu esithile nditsho nentlekele akwazi ukuhlawula ityala lebhanki. Njengoko edlula ukwehla okukhulu abantu, kuquka abalawuli abaphezulu kunye nabaphathi, kubaboleki loo akazange kangako.

Noko ke, simele sikhumbule ukuba kungakhathaliseki ukuba kunzima kangakanani na imeko yezimali kweli lizwe, elunxwemeni obolekayo okungagqibekanga ayikho inzuzo. Ngoko ke, iibhanki abaninzi babekulungele ukuthatha amanyathelo umboleki, xa kuphela wahlala kunye nabo, yaye kungekudala uza kukwazi ukuhlawula mboleko yakho.

Vitaly Bahvalov, Head of Marketing kunye Advertising Group leenkampani SU 22 uthi, eneneni, ngexesha lokudodobala ka-2008-2009, ezinye kubaboleki mortgage bengakwazi ukuhlawula nezibophelelo zawo. Noko ke, iibhanki babesiya ukuhlangabezana nabantu kunye nabo kubaboleki abangazenziyo ukufihleka bazifihla xa kuthe kwakho iingxaki, yaye wavuma swihlawulekisi kobunzima - bafumana intlawulo deferment okanye enye uncedo. Ngokutsho ingcali, ibhanki usoloko unomdla kwinto yokuba umboleki mortgage ehlawulwa kuye de kube sekupheleni, yaye ngamaxesha obunzima ezininzi iibhanki ukuba kusoloko uyavumelana kwezinye amanyathelo ezixhasayo.

Sergei Liadov, osisithethi kwinkampani yabatyalimaliny kunye nophuhliso "City-xxi Century" wandixelela ukuba aqhele ibhanki unika iindlela ezi-zokusombulula ingxaki: ulibaziseko sentlawulo, ukunyuka kwekota-mboleko, njengoko ukhetho kakhulu, uhlawule ityala ngenxa ukuthengisa indlu. "Kubalulekile ukuphawula ukuba isibheno enkundleni ibhange kwi unguyena mncinanana, ikakhulu ngenxa yokuba ixesha yeenkqubo kunye neziphumo ezilindelekileyo. Ekamantyi angala ekuthatheni izibambiso, ukuba, umzekelo, utyelwe flat - kuphela ikhusi umboleki kwaye ukuba nabo ubomi abantwana, "- wathi ingcali.

Ngoko ke, amava ntlekele 2008-2009, i-mboleki kwimeko iingxaki ngenxa kwintlawulo-mboleko (umzekelo, ukuphelelwa ngumsebenzi), kukho iindlela ezintathu eziphambili. Eyokuqala - ke intengiso zokuhlala, yaye ngaloo ndlela ukuhlawula amatyala ebhankini. Ngelo xesha xa amaxabiso izindlu wavuka, eli cebo nako nokuba imali. Kodwa ukusukela ukuba bawa kakhulu ngexesha lentlekele, oko kuthi ukuba emva kokuba intengiso igumbi laba ukuba umboleki nangoku isandla ibhanki ngenxa yokuba imali ayizange ijongane netyala kwi-mboleko yemali.

Le ndlela yesibini kwabo kubaboleki baphulukene nemisebenzi yabo okanye ngenxa yesizathu esithile kusekho baye balahlekelwa ukukwazi ukuhlawula imali-mboleko. Kulo mzekelo, abantu ebhankini kwaye kwavunyelwana ukuba ukhethe iintlawulo. Ngokubanzi, ngokutsho iingcali zorhwebo, kakhulu kubaboleki abanganyanisekanga e Moscow, apho kwakufuneka ukuthengisa indlu ngehamile, kwakukho phantse akukho - ezo iiyunithi ahlangana. Kule mimandla, kwaba mandundu ngakumbi imeko, kodwa yengeniso yenkunzi ke abantu ngasentla, nokukhethwa ezibhankini kube kubi ngakumbi. Ngoko ke, iibhanki zonke imikhosi bazama thethwano kunye nabantu ngokubanzi baziphethe kakhulu ngokunyaniseka.

Imeko yesithathu kukuba umntu othatha-mboleko yamanye amazwe (umzekelo, zeerandi), kunye nezinga layo liye landa kakhulu ngexesha lentlekele. Iibhanki eyenziwa kule meko inkqubo ekukhutshweni kwemali, umboleki wathabatha mboleko yelizwe elitsha - in engange - kodwa kwimiqathango ekhoyo ngoku. Enyanisweni, kuya kuba-mboleko entsha, ekubeni umyinge wenzala, yaye iimeko zeemarike - kunye kubaboleki ezininzi wala refinance, kuba emva kokuba ezinye izibalo wajika phandle ukuba engange, kodwa iimeko ezintsha pay kuya kufuneka ukuba ibe ngaphezu ngaphambi kokuba .

mortgage namhlanje

Namhlanje, i-mortgage bonke ukuthetha ngenye. Umntu umise eyakhayo kwaye ukholelwa ukuba imarike yemali akusondela pre-ntlekele level, othile uthi akunjalo elula oko kunokubonakala kunzima.

UKonstantin Shibetsky, umlawuli isebe mortgage ye-Civil Code of the MIC, kuba benethemba kuvavanyo yayo le meko. Ngokutsho kweengcali, mortgage kwimarike namhlanje (mortgage eMoscow) uphila ubomi ngokupheleleyo onamandla, mboleko zinikwa, izinto athengwa. "Xa sithelekisa nexesha pre-crisis akuncedi ngenxa yokuba iibhanki mortgage ngokuthe engumkhenkce phambi ntlekele. Imiqathango mboleko mortgage itshintshile ukuba ngcono, ubushushu avareji esibhedlele (i-credit rate) ka-12.4%, siye ngempumelelo limiswa, iirhafu bancipha, ubukhulu intlawulo phantsi, kakhulu, wawa ukuya kumyinge ka-15-20%, kukho nkqu isindululo kunye zero intlawulo yokuqala. Ababoleka, iibhanki baqalisa ukucinga ngokusondeleyo kakhulu, "- wathi ingcali.

Ngokutsho uMnu Shibetskogo ngokwenene namhlanje uyakwazi ukuthetha ngokubuyiselwa kwimarike yemali kulo. Iziphelo isazi yenza oku kulandelayo - "udidi Mzansi (kubaboleki kunye akukho yokuqinisekisa ingeniso) iibhanki mortgage namhlanje kuyimfuneko, eziphambili mboleko lwemali mboleko -. Ngayo imali engange Russian, isabelo-mboleko dollar ayinamsebenzi, imali-mboleko ngenxa yezakhiwo ezitsha kunye ngalinye odlula nokunyuka ngenyanga"

Natalia Parfyonov, iNtloko Intengiso kwimimandla "Relight Invest" kuqinisekisa ukuba imarike ngokwenene apho sithetha ukuba umntu nentlekele omtsha eRashiya. Noko ke, ngokutsho iingcali, imfuno yangoku ukuba azichatshazelwa, kodwa iibhanki ngokuthe ngcembe okuvusa kwezibonda kunye ngokusondeleyo ukuya kunikezelo mboleko, ukunciphisa iqondo ubuninzi lomngcipheko.

Ngokutsho inkampani "Incom-Real Estate", ekwindla ka-2008, iibhanki okanye ngokubonakalayo abagubungela iinkqubo zabo mortgage, a okwanda ireyithi, zibenze kwinqanaba ayabiza. Namhlanje, sibona amazinga okukhula nge 0.5-1.5% isikakhulu iibhanki nekomkhulu angaphandle, kodwa ke asiyonto tsiba njengoko kwakunjalo kwiminyaka 3 eyadlulayo. Ukongeza, imarike yemali kuqhubeka ukuya ibhanki ezintsha, oko kuthetha ukugcina umsebenzi.

Ngokutsho kweengcali benkampani, i-pre-ntlekele incopho mortgage yokubolekisa iya kwenziwa kamva kulo nyaka.

Kuba abo akoyiki

Enoba babenethemba, yaye imeko yokurhweba mortgage brokers, Alexei Shmonov icebisa abantu ngoku isigqibo kwi-mortgage, ahlole ngokucophelela ngobuhle nangobubi bawo. Makhe khala yempikiswano yakho "kuba" kukuba akukho namnye unako unganikeza uqikelelo echanekileyo indlela imarike iza kuphuhlisa. Akukho namnye unako ukubonisa mzuzu ekunene, xa ungakwazi ukuthatha mboleko sokubambisa, okanye ixesha xa, umzekelo, kungcono ukuthenga indlu. Ngoko ke, kunyanzelekile ukuba enze into enkulu out of intswelo yakho namhlanje, kungekhona ukuzama ukuqikelela le meko ngocoselelo iminyaka ezayo 5 - elinde mzuzu ogqibeleleyo. Enye into kukuba, ngokutsho iingcali, kuyimfuneko ukuba aqonde inqanaba ukuzinza zemali - enoba uqinisekile kwengeniso abo exesha elizayo kukuba nako kwabo ukusebenza, njl Noko ke, le nto kungekho namnye unako ukwazi ngokuqinisekileyo, ngokunjalo nobunzima iingenelo neengozi, kwaye ukuba uziva olo tsalo - emva koko lithathe imali-mboleko. Xa kunjalo, imali emakhayeni abo kunokuba rent.

abantu uKonstantin Shibetsky abaye bagqiba ekubeni uthathe sokubambisa, ucebisa oku kulandelayo: okokuqala, kufuneka ingcinga ukubala umthamo iintlawulo zenyanga ukuba awukwazi sibe sibi umgangatho wobomi nokonyuka iindleko zenyanga.

Okwesibini, kufuneka ukuba babe mali ezibekelelweyo "mini ngemvula" nama-6 iinyanga iintlawulo zenyanga kwi-mboleko, uya kukukhusela kobungozi zokulahleka ingqesho kunye nengeniso kungekho ngenkani ngexesha kwakhe. Okwesithathu, akukho izandi banal, sicebisa ukuba ngokusondeleyo iliso impilo zabo, ukususela ngomhla we-mboleko, uya kuba nobomi eyahlukileyo ngokupheleleyo, ukuba, "amkele nezibophelelo credit", yaye kuya kufuneka ukuba enze, kwaye kungcono ukwenza oko ukuqeqeshwa.

Sergei Liadov Qinisekisa ukuba ukhuseleko mali zobuqu ngakumbi xa ukuboleka ngohlobo lwemali apho kufike ngeniso. Kulo mzekelo, umngcipheko imali umboleki inciphisiwe. "IBhunga kubaboleki ayikho yokuqala - hayi ukutshintsha indawo yomsebenzi kumaxesha ngezwi elingaqondakaliyo, lo gama kugcinwe ingeniso yabo, yaye indlela onoxanduva kakhulu ukuba inkcitho-mali personal" - ingcali ithi.

Le ntlekele ke ngokufanelekileyo imeko eqhelekileyo apho abantu bathatha-mboleko, kwaye nkqu nangona iingxaki zemali, uzinzo yayo ihlawulwe, kodwa ukwakhiwa kwezindlu sele emkhenkceni. Kwathi kanti indlela abantu unxiba kwaye imali-mboleko, kunye nezindlu eziqeshisayo, kwaye andazi, kodwa xa izindlu zabo ziya kwakhiwa. Natalia Parfenov ikhuthaza abo bazizukise kuba kwisakhiwo esitsha, khangela ngenyameko isidima umakhi, iiprojekthi yokuqhubeka igqityiwe. "Kwakhona kubalulekile ukunikela ingqalelo ukuba isigaba sokwakha, kokukhona ukulungela ekhaya, inowuthi ingozi engagqitywanga" - Le ngcali ukholwa.

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