Indlela ukunciphisa izinga kwi-mboleko kwi-Savings Bank? Nemiqathango yokufumana-mboleko kwi-Savings Bank

Imfuneko mortgage ekukhutshweni kwemali ukuze babonakale kwiimeko eziliqela. Okokuqala, isizathu sokuba oku kube yokuba elisezantsi izinga lenzala kwi-mboleko kwi-Savings Bank. Okwesibini, ngenxa yeenguqu iintlawulo phantsi ubunzima ukuhla imali yelinye ilizwe. Nangona Sberbank inika nezivumelwano zokubambisa e engange, oko akuthethi ukutshintsha into yokuba utshintsho kwiirhafu exchange angaphandle kuchaphazela yokuhlawula amatyala yabemi.

inkxaso State

Ngaphambi sokudala ukuhla kwesantya umdla okanye khetho ukusebenzisa bangafumana imali-mboleko, kufuneka wazi ukuba kwezinye iimeko, izenzo abemi ukuxhasa le nkqubo, oluqhutywa ngurhulumente. Noko ke, enoba loo mali ziyafumaneka ukususela 2015, kuye kwaba nzima ukuhlawula obolekayo, ngaba ukuncitshiswa kunokwenzeka amazinga enzala mortgage kosele ekhona? Kakade ke, ukuba kunokwenzeka. Kwaye nale, ungakwazi ukuthatha ithuba ezagxila amanyathelo.

Indlela enze?

Okokuqala, kufuneka ubhale ukunika libolekwe endodeni ohambelana isicelo. Kule mihla, zonke iibhanki ezinkulu kufuneka refinance. Phakathi kwezi kungathiwa Savings. Xa sijonga eli ziko lwamatyala bangalindela ukufumana utshintsho lwemali, ukuncitshiswa iintlawulo zenyanga yobungakanani ukuncitshiswa ngenxa.

Xa usebenzisa abolekisa lwangaphakathi, elungisa isivumelwano sokubambisa, Sberbank icebisa mboleki:

• Ukuze aqinisekise ibhanki ukuba imali olucelwe yi umboleki iya kwaqinisekiswa ukuba ibuyiselwe.
• Funda zonke bokuqonda kuyimfuneko, kubandakanywa amalungiselelo ezikhoyo kunye namazwe lombutho (ubukho mboleko sokubambisa kunye enenzala ephantsi, umzekelo).
• Statement ukuba ahlanganise zize zingenise koko kuyimfuneko ukuba uqhagamshelane nomphathi.

Ukuba ibhanki ulungele ukuhlangabezana isicelo, ukuba ukhuphe isigwebo esifanelekileyo, umboleki kufuneka wenze amalungiselelo amatsha kunye nemiqathango. Kuyimfuneko ukwazi kwangaphambili ukuba umlinganiselo kwi-mboleko kwi-Savings Bank.

Yintoni catch?

Noko ke, nangona le ndlela yeyona efanelekileyo kakhulu kwaye lula ukuba umthengi, ukuphunyezwa kwayo akusoloko kusenzeka, ngenxa yokuba iibhanki abathandi ukuba ndiyilahle usike kwenzala. Isizathu ukwala refinance, bona abangakwaziyo yelizwi.

Xa umboleki avume zokucutha isixa zentlawulo umnqweno wayo kwemali ekuqaleni ematyaleni, oko kancinci amanyathelo. Amaxesha amaninzi, bonke ubilisa phantsi ngokuthatha imali-mboleko entsha esuka kumthengisi okanye enye yebhanki ngokwemiqathango kakuhle ngakumbi. Kuthethwa inkinga nesiqiniseko kwaye phambi yempahla ibandla ngokupheleleyo lwamaxwebhu. Kulo mzekelo, umxhasi zidla angalwamkeli uncedo lwethu, nto leyo eyenza le ndlela ithandwa kakhulu. Nantsi ke impendulo yombuzo indlela yokunciphisa izinga kwi-mboleko kwi-Savings Bank.

Kwezinye iimeko, ekukhutshweni kwemali amatyala ngokusebenzisa ezifanelekileyo elitsha?

Ziziphi iimeko kufuneka Zikhawulezela ukufumanisa ukuba ehlise indlela umyinge wenzala ngokusebenzisa-mboleko entsha, yaye yintoni na? Okokuqala zonke iingcali ukucebisa ukuthathela ingqalelo ipesenti imali yokugqibela. Umzekelo, ukuba umahluko phakathi mboleko ezintsha endala ziya kuba% 1 kuphela, isixa iintlawulo zenyanga kwaye intlawulo iza kuba phantse ngokulinganayo. Kwaye kwimeko ngokuguqulwa amazinga enzala kunye nokunyuka kwamaxabiso, iadvanteji onjalo ngokukhawuleza ababhangayo.

2% umahluko kwakhona akanako ukunika isiqabu nkqi, njengoko iingcali uqaphele, kodwa ukuba umntu wathabatha 3 million engange, nithi, kwisithuba seminyaka engama-25, kunye ukuncipha ngetyala 14.5% ukuya 12.5% ngonyaka, loo izinga lenzala yemali-ku imali inokukunceda kungonga malunga ne-2 million engange ngokugqithisileyo.

Ingongoma yesibini apho kufuneka sinikele ingqalelo - ubukho Ukulibaziseka kwexesha kunye nezithintelo nokukhululwa ekuqaleni. Kwaye nakwenzeka ngokutsha kunye intlawulo yokuqala mortgage umzamo omtsha emva perezayma imali kungabangela isiphumo client kwiingxaki ezongezelelekileyo, ukumangalelana kwiinkundla.

ezinye bokuqonda

Yintoni enye kuthi-mboleko kwi indlu? Sberbank - iziko inkulu ngetyala, kodwa kananjalo imigibe yayo.

Unako kwakhona ukubala ukufumana imali-mboleko entsha kuyo ngenxa lwemali umthengi sibalulekile, kuba abemi ezininzi Russian Federation sele bajamelana neengxaki ezinkulu ngo-2015. Kwakufuneka ukuba ibe ukutshintshwa zeerandi ezili-mortgage engange. Kule meko, kubalulekile ukubuza nje ukuba kunokwenzeka ukunciphisa izinga lenzala kwi-mortgage, kodwa malunga nokuba utshintsho lwemali kunokwenzeka. Ngokuqhelekileyo, nababolekisi ngokulula idini umntu mboleko ngohlobo lwemali engange, nto leyo eza kuvumela idola ukuba uhlawule ityala.

Indlela ukutshintsha kwi mortgage kwi Savings Bank? Lo mbuzo umdla abaninzi.

Zintoni ekufuneka ndiziqondile?

Indawo yokugqibela ukuthi ukuphatha kufuneka sinikele ingqalelo umboleki - iindleko imali, ubungakanani yabo efunekayo zokuhlaziya lesivumelwano. Umdibaniso yezi ndleko kufuneka ibe ngaphantsi kwe isixa overpayment, i esele ukuba mboleko elifanayo. Noko ke, ukuba yonke imiqathango ithotyelwe, kwaye amazinga enzala asezantsi, unako ngokukhuselekileyo ukuya elunxwemeni. Emva ukuqhuba izibalo lokuqala kunye namaxwebhu ezikhethiweyo, kwakunye ngokubhungisana nomphathi, nokumisela amathuba yokunciphisa umdla umboleki ilindele kokugqitywa uhlaziyo mboleko endala kweso sivumelwano. Kwi ababolekisi ezintsha kuquka kunokwenzeka ukuvuselela isibambiso izindlu.

Ngaphezu koko, lo ngokutsha kwamatyala namhlanje kunokwenzeka ukutshintsha uluhlu kweziqinisekiso kukutshintsha ngummeli wowona, isibambiso lolwakhiwo-inshorensi. Kwaye akukho mahluko, umntu ngokwendalo okanye esemthethweni iziqinisekiso entsha. Kodwa enjalo yesivumelwano sokuqala kufuneka zicaciswe ithemba zezicelo zabo ezilandelayo. Kulo mzekelo, yonke into efunekayo ukusuka mboleki, kuya kufuneka ukuba zinike iingxelo. Noko ke, iingcali phambi kokuba kucetyiswa ukuba uqhagamshelane nomphathi yebhanki qho mandatory. Apha ukunciphisa indlela isantya kwi mortgage lwakho Savings Bank.

Nini yaye kutheni na inkunkuma?

Kwaye nangona kaninzi inkqubo yokufumana mortgage akuthethi ukuba naziphi na iingxaki ngokumalunga noku, kakhulu, kungaba kukho ukusilela ekufumaneni imali. Ngaziphi na isizathu efihlakeleyo ukuba sokwala ukunikezela mboleko sokubambisa ukuya mboleki?

Kaloku, okokuqala, nayiphi na ibhanki, kuquka omnye entsha, uya hlola yokuhlawula amatyala zekamva yomboleki. Kwaye ke kubaluleke kakhulu ukuba le imbali yentlawulo HIV kwamanye amatyala. Okwesibini, ngaphandle kokuba ipropati yakho njengesiqinisekiso ipasisa uthotho lweemvavanyo. Ayichaphazeli yokuba kutshanje baye bachitha umbolekisi yenye ibhanki. Ngapha koko, umthengi kufuneka ehlise inzala yemali ezikhoyo Sberbank.

Ngenxa yezi kuhlola ziya isigqibo asinike okanye hayi, ukuba akhuphe imali-mboleko sokubambisa ukuba umboleki ngamnye. Ukuba umxhamli kwakhatywa umba mboleko, kufuneka kukhunjulwe ukuba ezichithwa ingqalelo kwesicelo akayi kubuyiselwa. Isixa lokugqibela iindleko, kakade, akunakwenzeka ukuba ngaphezu kwe-5-10 amawaka engange, kodwa umthengi kufuneka uqonde into umngcipheko ukuba aphethe yibhanki.

Nemiqathango yokufumana-mboleko kwi-Savings Bank

Mortgage mboleko ezikhutshwe Savings Bank phantsi kwale miqathango ilandelayo:

- Isixa-mali osezantsi yi-amawaka 300 engange ..

- I eliphezulu kufuneka ingadluli 80% yexabiso impahla ngemali.

- Loan elide - ukususela kwiminyaka-5 ukuya kwi-30.

- 20% phantsi intlawulo kufuneka yenziwe.

- umyinge wenzala - 11,75% ngonyaka (10.75% kwi "ezincane").

kubaboleki iimfuno eqhelekileyo. Age ukusuka kwiminyaka-21 ukuya 75, ingqesho esesikweni ubungqina bengeniso.

Okulandelayo, cinga indlela yokunciphisa izinga kwi-mboleko kwi-Savings Bank.

Indlela ukunciphisa izinga kwi-mboleko kwi-Savings Bank?

Xa kunjalo, xa umxhasi besondele ngabom ebhankini enye apho imali-mboleko sithathwa engundoqo, ukuze afumane mboleko, oko kukuthi ukusetyenziswa yokugqibela, ikhondo wesithathu amanyathelo, oko kukuthi babhenele unyango ezinkundleni. Noko ke, kukho izinto ezithile ezingavela. Yimeko ebalulekileyo isigwebo senkundla eyakhayo kwicala obolekayo - yinto zokugxojwa nemigaqo elawula amalungelo abo bonke abathengi. Ukuba ezinjalo ukwaphulwa hayi kuyagcinwa, ngoko akakwazi kuba akazanelisanga ibango. Kwaye ke sihlale mortgage ingaguqukanga phezu kwendlu. Sberbank sibi kakhulu malunga nokungqinelana kunye nezibophelelo yamatyala yomboleki.

Luni zokuphula?

Ziziphi iimeko kuchazwa kwephulwa? Umzekelo, kusenokuba ixesha nomhla ukubala inzala. indawo ebhalwe №39 CBR we-26 Agasti 1998, le nkqubo ilungisiwe kakhulu ngokucacileyo. Ngokusekelwe kolu lungiselelo, inzala iya kuhlawulwa elunxwemeni ukuze intsalela yetyala mboleko ekuqaleni nganye entsha usuku. Nakuphi na ukutenxa kule mgaqo, umxhasi unelungelo ukumangalela amaxwebhu yokubuyiselwa ngokugqithisileyo okanye kwi-ngemali.

VTB24 mortgage zinokuwehlisa izinga kwimihlaba efanayo Savings Bank. Ngawaphi amava na isizathu kufakwa isicelo enkundleni sokwakha ngokutsha eli mboleko ngumntu otyalwa? Kwabo ziquka engagqibekanga yi umboleki ukuba iziqiniseko bank. Kulo mzekelo, i-broker okanye ibhanki iya kwenza ngokupheleleyo ngokungqinelana nemiqathango kwisivumelwano esibhaliweyo, yaye ukwenzela ukukhusela iimfuno zabo zemali, kwaye banelungelo nje kuphela ukusirhoxisa isibambiso, kodwa kwakhona isicelo enkundleni. Ngoko amaninzi enza Sberbank.

Mortgage (nokuba kunokwenzeka ukuba ukwehlisa izinga lenzala ngemiqathango ngokubanzi, siye saxubusha) ikhutshwa ixesha elide. Ngeli xesha usapho ingatshintsha, umzekelo, umntwana ezelwe.

Indlela ukunciphisa mortgage phezu ukuzalwa komntwana?

umcimbi Imincili - ukuzalwa komntwana entsatsheni, kodwa kukwayinto entle inkcitho enkulu, nto leyo kuncitshiswa ukuba abazali abatsha banike ubungqina 2-NGOBUCHULE ukuya elunxwemeni. Esi siqinisekiso siqinisekisa inqanaba ingeniso lize linciphise ukuqwalaselwa mortgage, ukuba sijonga phantse na endodeni. Kwaye nangona ezinye zifuna ukugcwalisa iifom zazo, Sberbank ukuqinisekisa ingeniso kunokuba nangayiphi na indlela elula ukuba umthengi.

Ukuba mboleko okanye mortgage mboleko ingqalelo usapho abatsha apho ubuncinane elinye iqabane na ongaphantsi kweminyaka emi-35, baya kufundiswa iintsapho ekhethekileyo inkqubo mboleko. Kwizazi zezi zilandelayo:

• e co-umboleki unako ukuthatha abazali abatsha;
• yonyaka izinga lenzala iya kuncitshiswa;
• ukuhlehliswa kunokwenzeka buyiselo yenqununu iminyaka ukuya ku-3;
• Isavenge sokuqala kungancitshiswa kwi-10%.

Oko kuba lula yaye ngokukhawuleza ukuba ukuhlawula imali-mboleko uza kuqhubeka Savings Bank.

Umntwana mortgage refinance angabonelela Bank, nto leyo eye sele ufumene imali-mboleko, okanye nayiphi na enye mboleki. Kaloku, iintsapho ezinkulu ngokubanzi idini mboleko ukuze iintlobo zezirhubuluzi. iimeko.

isiphelo

Thina ukucinga ukuba xa umntu iye yaphakamisa umbuzo yokunciphisa iintlawulo kwi-mortgage, kuqala kungcono ukuba ukunika imboleko endodeni. Ukuba ufumana ukusilela refinance, kufuneka uye enkundleni okanye ukufumana enye mboleki. Siye sajonga ukuba yokunciphisa izinga kwi-mboleko kwi-Savings Bank.