Indlela ukubala mortgage: Tips kubanini beso

IiPropati Russia ayikwazi kubizwa ngokuba cheap. Bambalwa wabalandeli zethu ukuthenga indawo entsha kuphela ngeendleko zabo. Uninzi kufuneka ukusebenzisa le njongo imali ebolekiweyo. Akufane abazana okanye abahlobo baya kukwazi ukuboleka isibini iminyaka yezigidi ukuze 15-20. Ngoko ke kuphela ukhetho isibheno kwibhanki zorhwebo.

Kutheni ndifanele ukuba intlawulo yemali

Ngaphambi kokuba siphendule lo mbuzo ka ukubala indlela mortgage, bekuya kuba enqwenelekayo ukuqonda, kodwa kutheni nto konke konke. Uyakwazi enyanisweni ukuya ngqo ebhankini - intombazana Umcebisi cute Uloqonda zonke yaye iinkcukacha enkulu uchaze yonke into. Enyanisweni, oku kuyinyaniso. Kodwa ngaphambi kokuba ebisebhankini omnye okanye omnye, kufuneka wenze isigqibo ukuba yintoni na. Kuyo nayiphi na isixeko eRashiya asebenza kumaziko eziliqela zemali, yaye ngamnye kubo inikeza nabathengi ithuba ukufumana imali-mboleko. Ukuba usoloko isicelo ngamnye kubo, kuya kuthatha ixesha elininzi.

Lula inkqubo yokukhetha ukuba bakwazi ukuxhamla ubugcisa web mihla. Phantse wonke ibhanki liphumeze inkonzo online ekuvumela ukuba abale ezingundoqo parameters-mboleko ayikho ngqo zava emakhaya. Le nkonzo yaziwa njenge-mboleko. Ukuze ufumane ulwazi oluyimfuneko ukungena uhlobo eyodwa yesixa efunekayo nexesha le-mboleko kwaye nqakraza "Bala" kwanele. Emva koko, lo mboleki uya kufumana inkcazelo epheleleyo malunga isixa sentlawulo rhoqo kwaye ixabiso lilonke overpayment kwi-mboleko.

Intlawulo kwi mboleko - isibaluli ukuba isigqibo

Ngoku ke yacaca ukuba ukubala ngayo imali-mboleko. Umbuzo olandelayo: "Yintoni na enawe olu lwazi?" Yinto elula - khetha ibhanki. Kodwa njani kakuhle? zokugweba ezimbini eziphambili: i egqithisileyo iyonke kwi-mboleko kunye nobukhulu intlawulo rhoqo.

Ngophanya nje lweliso, kubonakala ukuba isibaluli kufuneka ukuba egqithisileyo apho incinane, kukho imfuneko yokuba athathe imali-mboleko. Enyanisweni, kusengqiqweni. Kodwa ke kuqala kufuneka nangoku kugxininisa intlawulo yenyanga. Oku kuchazwe yi yezizathu ezibini:

1. Enoba yintoni ubungakanani egqithisileyo kwi-mboleko, kufuneka ahlawule loo nyanga zonke. Ukuba obolekayo ukhetha mboleko kunye overpayment encinane, kodwa intlawulo rhoqo enkulu kakhulu kwixesha elizayo, ukuze abanengxaki kwemali-mboleko. Kwangaxeshanye, nayiphi na imali-mboleko zingahlawulwa phambili kweshedyuli, Kakade ke, ukuba iingeniso mvume, oko ke kusehlisa ubungakanani egqithisileyo.
2. Ukuthatha isigqibo sokuba ukukhupha imali, ngaba ibhanki kufuneka athathe ingqalelo into yinxalenye yengeniso yabo xa umboleki ziya kuthunyelwa intlawulelo yokukhululwa kwakhe. I ezincinane oko, amathuba ukufumana imvume kwesicelo semali-mboleko.

Iindlela ukuba ahlawule imali-mboleko yakho

Ukuze ahlaziye ngokufanelekileyo iziphumo ubalo nokuhambisa, kungakuhle ubuncinane ngokubanzi, ukuqonda ukuba ukubala indlela intlawulo yemali. Ungakwenza oku ngeendlela ezimbini.

1. Diferentsirovannym. Kulo mzekelo, intlawulo ibandakanya eyona mali efanayo lwenqununu ukuba lubuyiswe. Umthamo umdla kuhlawulwa qho ngenyanga, kubalwa ngokususela kwimali-mboleko eseleyo. Njengoko ukuhlawula imali-mboleko, ngokuthe ngcembe kunciphisa. Le nwebu ekupheleni kwekota mboleko, inowuthi isixa sentlawulo ngokwahlukeneyo.
2. Annuity. Ngale ndlela intlawulo yentlawulo kuhlala injalo lonke ixesha mboleko. Intlawulo yenyanga iquka ikakhulu nenzala, bonke abanye iya yokuhlawula inqununu.

Ukwazi ukuba ukubala njani mortgage yaye yintoni mfuno kungcono ukwenza isigqibo, ungenza ngokukhuselekileyo ukuqhubeka nenkqubo yokhetho ikamva endodeni. Inkokeli ecacileyo imarike Russian ukuba iibhanki ezimbini kunye nenxaxheba karhulumente, "Savings Bank" yaye "VTB 24".

Nokuthathelwa indawo kwi "Savings Bank": elula ukubala, kulula ukuba amalungiselelo

Abaninzi kwabo banqwenela ukuthenga igumbi ngetyala liyajikeleza kwi "Savings Bank". Akumangalisi, enyanisweni yenye yeenkokheli zemalike Russian ngetyala. Ngoko ke, ngokupheleleyo wonke umntu uya kuba luncedo ukwazi ukuba ukubala njani mortgage kwi "Savings Bank".

Ukuze wenze oko, umgaqo, kuyinto snap. Kwi website esemthethweni ebhankini kukho wokubala ngetyala. Nje uzalise le fomu, kwaye iya kwenza zonke izibalo eziyimfuneko. Umboleki kufuneka ubonise ukuba indleko eziqikelelweyo indlu, ubukhulu sentlawulo phantsi kwaye igama elithi apho icetyelwe ukuba ukuhlawula ngokupheleleyo mali-mboleko. Emva kokuba ukubalwa iya kufumana ulwazi malunga ubungakanani mboleko, intlawulo yenyanga kunye mali egqithisileyo.

Kubalulekile ukuba kukhunjulwe ukuba izinga elibekwe ngayinye obolekayo nganye. Ngoko ke, ubukhulu bayo, zingohluka kwezo ubalwe (eyinkampani ekubaleni algorithm). Nakuba kunjalo, iziphumo ziya kunceda ukuze ufumane uluvo jikelele malunga neemeko mortgage Ukubolekwa kwi "Savings Bank".

Mortgage kwi "VTB 24" kuya kunceda wonke umntu ukucombulula iingxaki yezindlu

"VTB 24" - yenye yeebhanki ezinkulu Russian, ngokubonelela abathengi zayo uluhlu olupheleleyo lweenkonzo zemali. indlela Makanyaniseke iindwendwe, ilula yaye ubhaliso ekhawulezayo - konke oku kubandakanya imali-mboleko ebhankini "VTB". Bala mortgage kwi website esemthethweni nabanina.

Ukuze ufumane inkcazelo engakumbi imiqathango lokubolekisa kuyimfuneko ngendlela ekhethekileyo ukubonisa kummandla ahlala kuyo umboleki, inani amalungu entsapho yakhe, ixesha mboleko, ubukhulu sentlawulo phantsi kunye nemali mboleko olufunekayo. le program iya kubala ixabiso lokuqala umyinge wenzala ngokusekelwe kule nkcazelo, isixa sentlawulo yenyanga kunye nemali iyonke egqithisileyo.

Ukuthenga indawo yokuhlala kwigumbi ngetyala, kuba ngamanye amaxesha kuphela ukhetho ukufumana eyakho square metres zabo. iibhanki abaninzi Russian zinika abathengi amalungiselelo-mboleko. Njani ukuba wenze impazamo kwaye wenze ukhetho olufanelekileyo kwiimeko ezahlukeneyo enjalo ongakhetha? Kuba abo akwazi ukubala njani mortgage, akukho nzima kakhulu. Loan calculators ziyafumaneka kwi-web sayithi kunye kweebhanki ezininzi, kuya kunceda ngokukhawuleza nangokulula amisele zesixa sentlawulo yenyanga kunye mali egqithisileyo kwi-mboleko kwiziko ngalinye.