Into efunekayo imali-mboleko kwi indawo yokuhlala? Ngawaphi amaxwebhu afunekayo?

Sicinga ukuthenga indlu yakho? Siye bekhethe ilungelo khetho, kodwa imali eyaneleyo? Okanye ukhetha ukutyala imali eninzi nemali kunye ngetyala ukuba basebenzise inkonzo? Emva koko ke mortgage - oku into oyifunayo! Ntoni na kwaye eyahluke ngayo kwinkampani yabathengi.

I-mortgage yahlukile kwezinye iintlobo ngetyala?

Umahluko ibalulekileyo - izinga lenzala. Yenza mboleko mortgage kuba ngaphantsi kakhulu kunalowo mboleko auto, umthengi, njl Oku kuchazwe kakhulu nje. Ngokuqhelekileyo, abantu athathe mortgage kwisixa enkulu kangangoko, ngokuba isakhiwo eqolo. Kwaye ke inzala kwimali-mboleko ibalwa kwisixa esipheleleyo ityala. Kwaye ukuba umyinge mortgage yaba ngokufanayo ngenxa yomboleki yeentengo zemboleko, abantu ngebengabanga sobunye ubomi ukuze ahlawule imali-mboleko. Kwaye ngoku bekuya kuba ukuba ityala ilifa ngabantwana babo. Ngenxa imali egqithisileyo ukuba idlule imali mortgage ngamaxesha 3 okanye 4.

Ecacileyo omkhulu, makhe siqwalasele umzekelo. Imvelaphi: Ufuna ukuthenga indlu kwi mortgage ka 5.000.000 engange. ngaba ukulungele ukwenza intlawulo phantsi, kodwa sizimisele ukuba ahlawule 86.500 engange. Ukuba izinga mortgage wayeze phantse isantya ubuncinane ngetyala yabathengi, ngoko ke kuya kufuneka engama-20 ukuze uhlawule imali mboleko, kwaye unge ndibhatalwe 315%, nto leyo ilingana million 15.7. Engange! ! Oko kukuthi, kuya kufuneka ukuba ahlawule iindleko 4 ezindlini zabo!

Qaphela ukuba xa ukhetha inkqubo yemali kwikota mboleko. Oko kukuthi, xa kuhlawulwe isixa esingaphezulu zethu ekuqaleni data kangangeminyaka engama-20, 315%, kwaye ukuba ukwandisa intlawulo nge engange 2700 kuphela, ixesha lifinyele nge-5 iminyaka! Kwaye egqithisileyo yehliswa ngama-91%! Uziva na umahluko ehlabathini? !

Kwaye xa ikota engama-10 kunye nokuhlawula 98 lamawaka engange nyanga nganye overpayment wakho uya kuba 135% ukususela . million 6.7. engange.

Ukuba lo mkhuba, kuye kucace ukuba ngeminyaka-5 le-mboleko kwimali elingana nexabiso indlu yakho!

Kodwa ke kumyinge we-20% ngonyaka. Kwilizwe lethu, kwiinkqubo mortgage idla ezisezantsi uyohluka-13%. Masenze ubala amagama afanayo kwaye uthelekise iziphumo.

Ukuba sicinga kwisithuba seminyaka engama-20, intlawulo yenyanga 59 500 engange, nto leyo 27 iwaka nizhi ngaphezu ngomlinganiselo-20%. Uziva indima edlalwe yi umahluko-7%?! Imali iyonke ezigqithisileyo amagqabi 9.3 mln. Engange, ie, 185% kule minyaka engama-20. ? Wena ubone indlela omkhulu umahluko?

Ekunciphiseni kwesithuba seminyaka emi-5, kuyanda intlawulo kuphela 4,5 lamawaka, kodwa egqithisileyo yehliswa ngama-55%! ! Kwaye million 6.5. Engange!

Xa ixesha ngetyala engama-10 kunye nentlawulo 75.3 amawaka engange overpayment iza kuba 81%, okt engange-4 million.. . Njengoko ubona, umahluko obonakalayo kakhulu.

. Ukuba nomfanekiso iziphumo kwi summary table ukuqonda ekugqibeleni ukuba kutheni izinga inkqubo yemali usezantsi.

• Iphakheji kwamaxwebhu, apho kuyimfuneko mortgage yahluke gqitha namhlanje. Ngoko ke, makhe sibone oko zifuneka amaxwebhu ukuze mboleko kwi indawo yokuhlala.
• yokundwendwela yomboleki.
• kwingxelo yengeniso, kwakunye malunga intlangano apho ndisebenza (ikopi yale ncwadi yomsebenzi).
• Amaxwebhu engqina ayidiphozithe (ukuba kukho nayiphi na).

Into efunekayo imali-mboleko kwi indawo yokuhlala? uluhlu lwamaxwebhu

Xa bezise co-umboleki okanye ngummeli wowona ukwandisa uluhlu lwamaxwebhu. Kubo ziya kufuna amaxwebhu ezifanayo, nokuba kuwe. ie iinombolo zepasipoti zabo kunye ubungqina bengeniso (idla izalathiso 2 NGOBUCHULE).

Mhlawumbi kufuneka amanye amaxwebhu. Ingcaciso engaphezulu iya kukuxelela abasebenzi ibhanki leyo, ngenxa yokuba kwimeko nganye, abaninzi iinkqubo ezahlukeneyo mortgage. Oku kuthetha ukuba kufuneka kuqokelela amaxwebhu, okuthe tye wena. Kuba data lokuma ekrwada ithinjiwe.

Iimfuneko mboleki

Xa ibhanki ngalinye, ukuba ezahlukeneyo, kodwa kukho inani zokugweba, ezo zifana kuzo zonke iibhanki. Makhe sijonge kubo:

1. Age. Xa ibhanki ezininzi, iminyaka ubuncinane ukwenzela ingqalelo kwezicelo kangangeminyaka engama-21. Kwaye oku kuyaqondakala. Ngokuqhelekileyo, kweli xesha xesha umntu akugqiba isikolo kwaye ubude ezithile zenkonzo.

2. amava Work - isibaluli yesibini, njengako iibhanki ukufumanisa ethembekileyo indlela mboleki. Ubude ubuncinane inkonzo kwi lomsebenzi lokugqibela kufuneka ubuncinane ngonyaka. Ukongeza, abasebenzi ahlawule ingqalelo into yokuba Isalathisi ukuthembeka lomntu phinda ngayo uyayitshintsha umsebenzi. Ukuba umntu akanayo ngenyanga ngaphezulu kwe-1 alulibaziseki, ukuba yobunyani ngenkankulu ndiyangqina ukuba inokuthenjwa.

3. imbali Credit. Ubukho Imbali HIV ngetyala akwenzele okulungileyo kuphela. Ngenxa yokuba nina nabenzela wena njengomntu uxanduva kwaye ibhanki kulula ukuba imvume mboleko yakho mboleko.

Ngoko ukushwankathela, kufuneka ufumane mortgage ukuba yokuhlala? Imbali elihle kwindlela ohlawula, umsebenzi ngamava ubuncinane isithuba sonyaka omnye kunye nobudala yomboleki 21+.

Indlu omama capital

Ndingasebenzisa capital kwezobunina ukuba ahlawule elo mortgage nendlela yokwenza oko? Yintoni ekufuneka ukuthenga indlu indlu? Ukusetyenziswa kwemali nokuyibuyisa mortgage - yinto eqhelekileyo. Kodwa ukwenza njani ngokuchanekileyo abazi abaninzi. Kwezinye iibhanki, ungayisebenzisa njengendlela intlawulo phantsi.

Ukuze wenze oku, kufuneka ukuba uqaphele ukuba abasebenzi yebhanki eziya kwenza intlawulo yokuqala eziinkozo kunye nesiqinisekiso. Kananjalo kufuneka ukuba ukwakha package eyandisiweyo lwamaxwebhu.

Inxalenye zezatifikethi kuya kufuneka ukuba uthathe ingxowa-mali yomhlala-phantsi, umzekelo, isatifiketi malunga nemeko-akhawunti yakho. Ke amanye amaxwebhu ukuze angenise kwi Pension Fund, njengoko bonke bahlolwe ngokucophelela, ngenxa yokuba kukho iimeko ezininzi apho abantu ufuna nje imali eyinkunzi kubeleka.

Imali kwi mvulophu, kuthathelwa ingeniso-akhawunti - intsomi okanye eyenzekayo?

Abanye abantu bafumane imali evela kwimithombo eziliqela yengeniso. Kwaye ukuba loo yinxalenye omvuzo kubantu ezikhutshiweyo kwiimvulophu. Indlela ukuba kule meko? Ukususela ngo-2014, iibhanki abaninzi baye lula kunikezelo kweenkqubo-mboleko. Kungenxa yoko le nto, uyakwazi ukunika isiqinisekiso ngendlela eyasekwa ebhankini, apho umqeshi uya kubonisa isixa esipheleleyo yomvuzo wakho, kunye ibhonasi kunye naziphi promotions. Kukho iibhanki ukuba akhuphe nezivumelwano zokubambisa zonke amaxwebhu ezimbini! Kodwa ke kule meko kuyimfuneko ukuba imbali ogqibeleleyo ngetyala, amava elide entlanganweni.

Ziziphi ezinye iindleko kufuneka athathe ingqalelo abantu abafuna ukufumana i mortgage?

Ngaba kufuneka ukuba inshorensi indlu-mboleko? Le mpikiswano exhalabisa kubaboleki ezininzi. Ewe, ukuba inshorensi yokuhlala efunekayo ngokucacileyo. Le yimfuno ye ebhankini kunye "airbag" yayo. Ngenxa ukuba indlu kukho into eyenzekayo, kungekhona zonke kubaboleki kufuneka imali ukuhlawula imali-mboleko kunye nokubuyiselwa kule ndlu ngelo xesha, kungoko ulibaziseko kwintlawulo kuya kulandelwa kunye nezinye iingxaki.

Ingaba Kufuneka Ndiye indawo amanqaku nge-mboleko? Lo mbuzo umdla kubaboleki ezininzi. Ewe, le nkqubo oko kuyimfuneko ukuze enze, yaye emva nokuhlola indlu ukunika amaxwebhu ebhankini.

Indlela ukukhetha yokuhlala?

Ekuqaleni, kufuneka wenze isigqibo sokuba oko indzawo ofuna. Secondary okanye ufuna inxaxheba ekwakheni joint, okanye zilungele ukuthenga indlu entsha endlwini igqityiwe, kodwa ekugqibeleni. Ngokusekelwe iminqweno yakho, kuya kufuneka ukuba pick up inkqubo yemali. Ngokuqhelekileyo, ezi yahluke ngokwalo. Kwaye isibaluli kukuba umboleki ufuna ukuthenga indlu.

Ukuba ugqiba ukuba bathathe inxaxheba ekwakheni joint, qiniseka ukukhangela nokubuyekezwa inkampani, nto leyo umphuhlisi. Ukuze uqiniseke ukuba indlu uya kunikelwa ngaphaya kwexesha kwaye zange imenu yentsingiselo.

Ufuna ukufumana-mboleko kwi-Savings Bank?

Into efunekayo imali-mboleko kwi indawo yokuhlala? Impendulo yalo mbuzo ifumaneka kwi-website esemthethweni ebhankini. Imiyalelo: Savings Bank - mortgage - into efunekayo amaxwebhu ukuze indlu?

• Isivumelwano yenjongo.
• ipasipoti.
• 2 NGOBUCHULE.

Qaphela ukuba kule bhanki zithathelwa ingqalelo kuqinisekiswa kuphela ingeniso yomboleki, ngoko ke ukuba une ingeniso esemthethweni ayikho inkulu kakhulu, kungcono ukuba athenge co-yaho okanye ngummeli wowona (kusenokubakho ezininzi). Kwakhona, ungenza umdla co-nye umnikimali nomamkelimali. Ukususela oko kuya kufuna amaxwebhu ezifanayo, nokuba kuwe.

Uthenge indlu indlu? Oko Ufanele Ukwazi

Wonke ummi we Russian Federation 1 ixesha ebomini kukuba ukubuyisela imali echithwa kwi yokuthenga izindlu, intlawulo inzala mortgage kunye nokulungiswa kwezakhiwo. kunokwenziwa njani oku? Kufuneka ngonyaka 1 amaxesha Kwathi kwiofisi yerhafu isiqinisekiso sengeniso, ubungqina ubukho nezivumelwano zokubambisa yaye abanye. Uluhlu eneenkcukacha ezininzi ingafumaneka kwi website IRS okanye ngqo kwi uhlolo.

ziya kubuyiselwa njani imali engakanani? Uza kubuyela isixa esipheleleyo zerhafu ukuba ahlawulwa kunyaka ophelileyo. Nceda uqaphele ukuba esi sixa-mali kumda. Uyakwazi ukubuyela ezona 260 lamawaka engange ukuba ixesha lonke, nexesha elinye kuphela ebomini bakhe.

Ngawaphi amaxwebhu ezifunekayo umthengisi igumbi mortgage?

• Isiqinisekiso sobhaliso karhulumente kwamalungelo.
• Olu xwebhu, ngokusekelwe leyo uvumelekile ukuza.
• Ingxelo akukho tyala ngenxa eziluncedo.

Njani isicelo-mboleko?

Into efunekayo imali-mboleko kwi indawo yokuhlala siya Sele wayeyinxalenye ngaphandle. Ngoku Kufuneka sijonge phandle ukuba isicelo indlela lokuzamkela. Into efunekayo imali-mboleko kwi indawo yokuhlala?

1. Khetha impahla kunye yebhanki apho ufuna ukufumana imali-mboleko.
2. Jonga ibhanki ekhethiweyo icebiso, ukukhethwa lwenkqubo ezifunwayo kunye uluhlu lwamaxwebhu ukuze zingeniswe.
3. Qokelela amaxwebhu uze ucele kwibhanki yakho ukuba isicelo.
4. Yakubanje ivunyiwe imali-mboleko kunye kwibhanki basayine imvumelwano neSebe umphuhlisi kwaye isivumelwano sentengiso.
5. Uya kufumana isatifikethi sobhaliso karhulumente amalungelo kunye isiSwahili.
6. Inshorensi kuyo. Oku kungenziwa nayiphi na inkampani, leyo ancedisane kwibhanki yakho. Uluhlu, ungabona noba kwi website ibhanki, okanye uyifumana ebhankini. Kwakunye nolwazi unako unganikeza lo umnxeba.
7. Yonwabela endlini yakho!

Oko kufuneka sinikele ingqalelo kuyo?

1. Ngomhla izinga lenzala. Amaxesha amaninzi, abasebenzi ibhanki siye unamaqhinga uprinte isivumelwano eliphezulu izinga lenzala ukuze bafumane imali engakumbi kule dili. Baxhomekeke yokuba akuyi ukufunda. . Ke ukuba, emva qaphela impazamo awunako ukungqina nantoni na.

2. Igama elithi-mboleko kunye nemali sentlawulo ngenyanga. Ngenxa yokuba ixesha elide ubude, kokukhona overpayment, njengoko sele sibonile ngaphambili. Lumka! Funda onke amaxwebhu. Cela into ongayiqondiyo. Musa ukuba nentloni. Ukuba into ephambanisa ungasoloko tsalela umnxeba kwaye ukucacisa yonke imibuzo.