Inshorensi yobomi ne-mboleko okanye ingenziwa?

Ekuhambeni kwexesha lethu Iezothuso ezinkulu lwezopolitiko noqoqosho wonke umntu uzama ukukhusela bona imali yabo. Akukho ngaphandle kunye zebhanki namaziko. Oku kuyinyaniso ngokukodwa mboleko zexesha elide kunye neengozi ezinxulumene. Enye indlela ukugcina ibhanki mali inshorensi. Kuba mboleko ixesha elide, ingakumbi izindlu, iphawulwa indlela yokujongana neengozi, njengokuba inshorensi yobomi kunye mortgage.

Iimpikiswano ze wokupheliswa kwezivumelwano ze-inshorensi

imfuneko Absolute le mveliso kwi nenqanaba kokusayina isivumelwano sokubambisa apho, kodwa nayiphi na ibhanki kabukhali isimo esibi kwizigqibo ezinjalo, ngoko amathuba okufumana iziphumo ezidibanisayo kwi umxhasi ngaphandle inshorensi badla zero. Ngenxa kwisikhundla loo ebhankini asinto ukuzama yayama ngaphandle inani eliphezulu imali client, kodwa ukuzama ukukhusela utyalo-mali. Ekubeni yokufa kunye neenkqubo ezingezizo zentlalo ukuyandisa iingozi-mboleko ezingaqhubi kakuhle.

Ngoko ke, isivumelwano-inshorensi yobomi, nokuba emva ngasese, kodwa yinto yokuqala efunekayo ukuze afumane iziphumo ezidibanisayo ngokunxulumene zokubambisa. Ifomu kunye nesiqulatho yesivumelwano zinokwahluka kakhulu kuxhomekeka okhethiweyo okanye kucetyiswa yi iphulo inshorensi.

Imfuno yokhuseleko ubomi amaziko zebhanki abaxhasi '

Ngokuqhelekileyo, isivumelwano inshorensi yobomi ayikho ebhankini, yaye inkampani ejoliswe ukusebenza kunye umngcipheko ukungaphumeleli ukubuyisela imali ebolekiweyo. Ngoko ke, iibhanki ngokufuthi ukungena kwizivumelwano kwiimeko ngokufanayo nangokuluncedo kwaye abhekise iiklayenti zazo iinkampani ezithile. Imfuneko yokuba neentlobano ezinjalo ngenxa yoku kulandelayo:

- xa kuthe isiganeko benefits ezinxulumene impilo, imali umxhasi yenza i-inshorensi;

- kwimeko kokufa obolekayo akuyomfuneko ukuba silinde de izalamane beze ekunene kobunini;

- ukulahlekelwa yokuhlawula amatyala client kaThixo yinyanga-ezintandathu kunokwenzeka ukulibaziseka.

Ngoko ke, i-inshorensi yobomi kunye mortgage yenye yeemeko ukuze kokugqitywa ngokwesivumelwano setyala.

Risk Ukufunda transience okuboleka enziwa ziibhanki Russian

Ibanki ezininzi kwi eRashiya, ingakumbi xa sijonga sibi kakhulu kwezoqoqosho, eyenziwe siseko walo eziliqela awuyomiqathango elawula inkqubo kunye neemeko lokukhupha mboleko ixesha elide. Isicelo for Research Social "iibhanki iimeko Mortgage" yabonisa ukuba uninzi iibhanki namhlanje baye rhoqo ukufumana iziphumo ezidibanisayo.

Malunga nesi sibonelelo, iibhanki banyanzeleka ukuba bazidalele zemizi-inshorensi okanye ungene kwizibhambathiso kunye neenkampani sele esekwe-inshorensi. Ngokuqhelekileyo, emva kwezi ndleko, iibhanki ukuphakamisa izinga lenzala kwimali-mboleko ixesha elide ukuya abathengi.

inshorensi mortgage ku Sberbank

Sberbank - iziko kakhulu abadumileyo kurhwebo Russian kweenkonzo zezimali. Ngako oko, umbutho kufuneka anikele iimeko ezithandwa kakhulu ngokufumana-mboleko. Life Insurance imali-mboleko ngumba elincumisayo isisombululo HIV kunyango lesigulane eso.

Xa ubudlelwane credit ixesha elide usoloko unomngcipheko yokuba majeure Ungabalelwayo okanye amandla. Kwaba ngoko imfuneko ayimfuneko isixhobo ezifana "Savings Bank:. Nezivumelwano zokubambisa, i-inshorensi yobomi" Esi sixhobo kunempembelelo entle inani bid ezanelisayo abemi belo lizwe abafuna ukwenza amalungiselelo-mboleko. Kwimeko sokwala Savings Bank inelungelo ukuhlaziya ekuphakamiseni izinga lenzala. Ngenxa lokubolekisa ubuncinane, le pesenti ngokubonakalayo nachaphazela ixabiso lokugqibela iziko mboleko.

iimeko kanye imali ixesha elide Savings Bank

Ngenxa ukuhla kwimarike imali yelinye ilizwe, Sberbank ibeka iirhafu benchmark kwi-mboleko yexesha elide. Umzekelo, okwangoku kokoqobo izinga 14.5%, oku kusebenza de 28.02.2015. Kwimeko yokusilela ngumthengi ukusebenzisa "Savings Bank: nezivumelwano zokubambisa, i-inshorensi yobomi" isixhobo inkonzo kuye kuphuma Izinga kwi 15.5%.

Kodwa ke nangona zonke bokuqonda, inani izivumelwano ezikhutshwe Sberbank usesikhundleni lwiimi ziveleleyo lentengiso mboleko ixesha elide. abathengi abaninzi ngempazamo abakholelwa ukuba athathe-mboleko (Sberbank), i-inshorensi yobomi kuyimfuneko. Ezi ngxelo musa kunxibelelana ubunyani, ekubeni i-Savings Bank akazange imithetho federal, leyo ichazwe ngokukodwa ilungelo lokuba "i-inshorensi yobomi ozikhethelayo ekufumaneni mboleko ixesha elide."

Mortgage Insurance e VTB

Yenye yeebhanki ezininzi enomtsalane emarikeni yi mboleko ixesha elide VTB.

Ukunciphisa okanye ukuphelisa nobungozi kweli ziko yazise ezinye iintlobo liabilities inshorensi, ngokuxhomekeke ubude, uhlobo kunye nemali-mboleko. Le ongase ukukhetha-mboleko ukuya umqeshwa kunye uhlobo lonyango iziko kufuneka ukuba ufunde olu xwebhu lulandelayo: "Mortgage: imiqathango egcina imali," ukuze bazive umahluko kwaye khetha uhlobo olona nyango. Olu xwebhu sikuvumela ukuba ubone zonke iingenelo mortgage VTB, kwakunye wazisa ongase kunye "VTB Insurance" system.

Iimpawu mortgage VTB

VTB livelise inkqubo-inshorensi-mboleko yexesha elide, nto leyo ibandakanya mveliso zilandelayo:

- nakwenzeka iminikelo ezinyanzelekileyo ngenxa yokulahlekelwa yokusebenza umthamo umboleki;

- nakwenzeka iminikelo ezinyanzelekileyo ngenxa yokuba ukufa umboleki;

- nakwenzeka iminikelo ezinyanzelekileyo ngenxa yomonakalo okanye ilahleko ye ngummeli wowona ulungileyo;

- nakwenzeka iminikelo ezinyanzelekileyo ngenxa unciphiso okanye ukupheliswa ubunini yenjongosenzi isibambiso (iminyaka emithathu).

Ngaphandle imvumelwano VTB "Mortgage: i-inshorensi yobomi," injongo-mboleko umboleki iba phantse alinakuzuzwa. Ukuze wenze le mveliso i inzuzo, VTB inika inshorensi olubanzi olubandakanya ubungozi zilandelayo:

- emlilweni;

- iintlekele zemvelo;

- imiphumela kombane;

- imiphumo kukuqhushumba igesi basekhaya;

- iziphumo zomonakalo amanzi;

- iziphumo ukuwa izinto endiza;

- imiphumo izenzo ezingekho mthethweni.

Xa ekunikezeleni ubungqina nayiphi na yezi meko, le program ibonelela imbuyekezo ilahleko ngobukhulu yayo yokwenene. Ukuba intlawulo sidlula isixa liabilities ezibalaseleyo, umahluko ihlawulwa umboleki.

Indleko ye-inshorensi yobomi ne mortgage

Indleko ye-inshorensi yobomi ne-mboleko kuxhomekeke kwizinto ezininzi, kodwa akukho ngaphezu kwesinye enesiqingatha pesenti ixabiso lokugqibela iziko mboleko. Ngomhla ekubunjweni iindleko:

- sex (njengamabhinqa baphila ixesha elide kunabantu, izinga lenzala, ngenxa yamaSirayeli ngaphantsi kwe ukuba abantu);

- lobudala (umda phakathi kweminyaka engamashumi amabini ukuya asixhenxe zomkhosi - 45);

- imeko zempilo mboleki (izifo sofuzo kwaye esinganyangekiyo ube isithintelo gqithi yokuphumelela mortgage);

- umngcipheko yokwenzakala ezinxulumene nomsebenzi , ngokuxhomekeke kuhlobo lomsebenzi;

- izinto (zokuzonwabisa zemidlalo esiyingozi nempembelelo engentle kummandla we-inzala).

Xa ezikhoyo ngoku ze-inshorensi yobomi kunye mortgage uye waba ngomnye weyona miba ibalulekileyo ubudlelwane phakathi kwamaziko zebhanki, iinkampani ze-inshorensi kunye abathengi abafuna ukufumana mboleko ixesha elide ukuze kuzuze ngamnye kunye nokuxabisana. Ngoko ke, ukuba kukhutshwa nezivumelwano zokubambisa, i-inshorensi yobomi kuyimfuneko. Kakade ke, kuyingenelo nje kuphela iibhanki kodwa kubaboleki.