Into ekufuneka uyazi mboleko yolwakhiwo lwezindlu

Ngokwemveli, iibhanki okwabangela yokubhalisa mortgage lokubolekisa ukuthenga zokuhlala, ziyenzeka ngoku waziwa kakuhle kwaye ethandwa kakhulu. Iindleko kwizindlu ayawa, phezu koko, rhoqo ephakama phezulu zezilwanyana onokucinga ngazo. Mboleko yokwakhiwa womba indlu akunjalo rhoqo, kuba le nkonzo ayikho omkhulu njengemali-mboleko yokuthenga izindlu. Iinkcukacha mboleko yobhaliso ukwakha indlu eyahlukileyo ukusuka mboleko indlu, khangela ngokweenkcukacha ezingakumbi.

Ngokuqhelekileyo, mboleko yolwakhiwo lwezindlu zenza ukuba abantu kakade kwindlu yabo okanye olunye uhlobo izindlu ulwelo. Iibhanki bazimisele kakhulu ukuya kukukhawulela, ukuba unalo isibambiso efanayo. Kulo mzekelo, imali-mboleko ukuze kwakhiwe indlu yokuhlala iya kukhutshwa mali ukuya kwi-70% yexabiso lempahla yakho ukuba unikeze besibini. rates Inzala iya kuncitshiswa nje ukwakha; kukulungele kanye ngakumbi ukuthenga indlu ogqityiweyo.

Iimeko kuzo zonke iibhanki zimalunga efanayo. Mboleko ukuze ukwakhiwa indlu ikhutshwa iminyaka ukuya ku-30. Ukuze ufumane imali-mboleko, kuza kufuneka ukuqokelela la maxwebhu alandelayo, nto leyo ifanele ukuba nayiphi na ibhanki:

• iincwadi zezazisi;
• solvency client yokuqinisekisa (irekhodi ikopi ingqesho kunye / okanye ingcaciso engaphezulu ngohlobo NGOBUCHULE-2);
• kuvumeleke umsebenzi wokwakha;
• isiqinisekiso kobunini okanye isivumelwano;
• project ikhaya elizayo (kubandakanywa uqikelelo nje).

Ukuba kuyimfuneko, uya kucelwa ukuba ukunika ingcaciso epheleleyo ngakumbi kwiinkalo ezithile, ezifana ipolisi ye-inshorensi, nqaku, isatifiketi sobhaliso karhulumente kwezithobekileyo real njalo njalo .. Xa kwibhanki nganye, kukho iimeko ezithile kubo bonke abathengi.

Nguwuphi ibhange amagama eliqaqambileyo mboleko yokwakha indlu? Sberbank ibonelela inkqubo abolekisa olunyanisekileyo abathengi kunye nayo umvuzo okanye imali yomhlala-akhawunti. rates Inzala iya kuncitshiswa kakhulu, nto leyo emehlweni abantu abaninzi ethatha mboleko apho. Ekugqibeleni, Sberbank - mhlawumbi yeyona ezaziwayo-kakuhle olu hlobo kweli lizwe lethu, oko kudala zizakubalulwa ngenxa ukuthembeka zabo iimeko okulungileyo kubo bonke abathengi.

Ezinye iibhanki nazo ukufumana mboleko ukuba ukwakha indlu kulula ukuba abo kuhlawulwa ngaphandle iindleko okanye mboleko nobunjubaqa. Sonke ezininzi ngeziganeko, imigaqo-mboleko iyahluka ngokuxhomekeke ngeeholide, amaxesha onyaka kunye neminye imiqathango. Ukuze ufumane imali-mboleko ngokwemiqathango ilungileyo, musa wonqena kwaye bafunde bonke unika iibhanki ezinkulu nethembekileyo. amathuba zakho zikhula elininzi intshumayelo izibambiso kunye negalelo yokuqala ubuncinane ayi-30%.

Qaphela ukuba iibhanki kuphathelela bayababoleka kwakhiwe izindlu kummandla we-150 ukuya kuma-400 m ^2. Kakade ke, iimeko, nixoxe mhlawumbi ukuza kwizibhambathiso ukwakha indlu phezu isiqwenga indawo encinci okanye enkulu.

Ukuba ugqiba ukuba uhlawule le mali-mboleko phambi kwexesha, kufuneka ufumanise ukuba ibhanki uyakwazi ukunika kuyo ngaphandle iimali ezongezelelweyo. Eminye imibutho zingabiza iifizi ukwenzela intlawulo ekuqaleni kwiinyanga zokuqala ezintandathu, unyaka okanye emibini.

Efundwayo ikhontrakthi ubambe le meko kakhulu bekhululekile.