Kuphantsi kwaziphi iimeko apho banike nezivumelwano zokubambisa: amaxwebhu, iimpawu kunye neziphakamiso

Imiba ephathelele neemeko unika phantsi apho mboleko, inzala abantu abaninzi ngexesha lethu. Wonke umntu ofuna ukuba ngumnikazi uphahla phezu kwentloko yenu, ubuncinane kanye, kodwa wacinga ngalo mba. Abantu abaninzi boyika into yokuba mortgage akakwazi ayikhuthazi. Kaloku, iimeko ezinjalo ziyenzeka, nangona kunqabile. Kodwa ke yinyaniso ukuba mboleko sokubambisa buyanceda kakhulu kwiibhanki. Ngoko ke, banikela ixesha elininzi nabantu izicelo zoncedo-mali. Noko ke, kuhle ukwazi malunga iimeko.

Iholo

Ubungakanani umboleki bunempembelelo yokuhlawula amatyala, abasebenzi ibhanki abanomdla kakhulu. Kuphantsi kwaziphi iimeko apho banike mortgages? Xa abo apho umthengi ebhankini wamkela kakuhle kwaye bakwazi ukunika yinxalenye yengeniso yabo (isiqingatha idla) njengoko lokuhlawula ityala.

Emehlweni umntu yebhanki uvele ukukhanya elungileyo, ukuba usebenza phantsi Code Labour, kuba imfundo ephakamileyo usebenze kwindawo enye ubuncinane ngonyaka. Oosomashishini "wamkelekile" kabuhlungu, kuqwalaselwa ishishini umsebenzi ngamnye yingozi.

imali kuya kufuneka uqinisekise igama. Kukho amaxwebhu ezine, wafumana yibhanki. Le ngxelo ifom yomqeshi, 2-NGOBUCHULE, ubungqina bengeniso ngohlobo yibhanki kunye nobungqina obhengezwe ngenyanga ukufumana imali. "Traditional" abathengi wazikrazula 2-emhadini. Olu luxwebhu esiqhelekileyo, nto leyo ebonisa ingeniso ixesha elithile - kunokwenzeka ukuba ukulandelela iimfuno kunye nozinzo ukuba ibhanki feedback.

iimfuneko jikelele

Ukuthetha malunga iimeko unika mortgage phantsi kwayo kwi yokuhlala, kufanele kuqatshelwe ingqalelo amalungiselelo jikelele. Ngoko ke, apha ke iimfuno ukuba umntu ofuna ukuba amalungiselelo -mboleko yendlu, kufuneka athobele:

• Yena kufuneka babe ngabemi ye-Russian Federation.
• Iminyaka yobudala eyi- umboleki - engama-21 ubudala.
• Ubuninzi - 65 ngexesha buyiselo. Oko kukuthi, ukuba umntu uneenjongo ukukhupha imali-mboleko yezindlu engama-60, uze umnike kuphela iminyaka emi-5. Ezo zinto ezifunwa luninzi yeebhanki. Nangona "Sovcombank", umzekelo, iminyaka ubuncinane yiminyaka engama-20 nelona lininzi - 85.
• Kwakhona, izigulana ezo kufuneka ukuba mayicaciswe gca kule kummandla apho utsalela-mboleko yezindlu.
• Iyonke amava emsebenzini - ubuncinane ngonyaka. Xa umsebenzi lokugqibela - ukusuka kwiinyanga ezi-6.

Apha, isimiso, zonke ukuba iimeko phantsi iibhanki ukunika mortgages. Kwezinye iimeko, kusenokubakho ngaphandle. Njengoko with "Sovcombank", umzekelo. Okanye "Gazprombank" yaye "VTB 24", apho amava lwenza ukusuka kwiinyanga-4. Kodwa ngokubanzi, iimfuneko kubaboleki ukuba thaca efanayo.

imiqulu

Nokuba umntu owazi nto malunga nesihloko-mboleko, makacingele ukuba-NGOBUCHULE 2 - nje kuphela iphepha efunekayo ukuze ubhaliso mboleko. Kaloku, naphantsi kwazo naziphi na iimeko ukunika indlu? xa amalungelo kufuneka kwenziwe ngolu hlobo lulandelayo:

• isicelo;
• ikopi yokuqala kunye yokundwendwela;
• SNILS (lekopi njengoko kuyimfuneko);
• Isiqinisekiso tin (ikopi eyintsusa +);
• ID zomkhosi okanye ubhaliso inkonzo - kwabo eyindoda abangaphantsi kweminyaka engama-27;
• amaxwebhu malunga imfundo, umtshato, uqhawulo-mtshato kunye contract somtshato (ukuba sikhona);
• phambi kwabantwana - ubungqina ukuzalwa kwabo;
• ikopi yale ncwadi yomsebenzi, ngokuyimfuneko eqinisekisiweyo ngumqeshi.

Olu luluhlu engundoqo yamaxwebhu. Ngokuqinisekileyo kufuneka ukulungiselela ukuba umntu anomdla enoba indlela yokufumana mortgage kwi yokuhlala.

Ukunika-mboleko? Phantse wonke umntu, yiyo lonto kuba uxwebhu abakhulileyo ezibophelelayo wokungeniswa isiqinisekiso yawo yomhlala phantsi. Yaye abantu elidlulileyo oluthandabuzekayo - isiqinisekiso kakubi iziyobisi / ikliniki yengqondo-luvo. Nangona kunjalo, iBhanki unakho ukucela amanye amaxwebhu - kodwa yintoni kanye, iya kuhlaziywa ngamnye.

Ntoni xa ndiphangela?

Okukhona - ngcono. Indida! Ngapha koko, oko kuya kubonakala, mortgage eyenzelwe abantu abafuna iinkonzo zemali. Kodwa kufuneka ngokwenene ukuba imali ngokwaneleyo - yokubala uhlawule ityala nihlale.

Ngcono, kunjalo, ukunika umzekelo. Abaninzi baye imali-mboleko kwi "VTB 24". Ingakumbi kuluncedo apho iimeko abathengi ibhanki yakhe. Ngoko ke, masithi, kweza yenza-mboleko. Uye wakhangela emva yokuhlala kwikhaya entsha engange zigidi ezi-2. Kuye negalelo ekuqaleni - 15% (oko kukuthi 300 000 miri.). Kwaye ufuna amalungiselelo mboleko home iminyaka emi-5. Kulo mzekelo, umvuzo wakhe wenyanga kufuneka ube malunga 63 000 engange. Ngenxa ~ 37.900 uya kufuneka anikwe ityala iminyaka emihlanu.

Thathela ingqalelo umyinge wenzala 12.1% ngonyaka ngeli xesha umthengi uya kuhlawula 2.274.120 engange usematyaleni. Ngokugqithisileyo - 574 120 p. imali kunokuba enkulu. Ngoko ke, njengokuba ubona,, kokukhona ebiza imali-mboleko iza kuba ixesha ngaphantsi kunye ukuhlawulwa ngcono.

Imbali Intlawulo

Kuyimfuneko ukuba uqaphele ingqalelo, ukuthetha malunga iimeko unika phantsi apho mboleko. Imbali olungileyo ngetyala ebaluleke ngaphantsi ingeniso elungileyo. Kwaye ukuba, lo gama iibhanki yayo lutshekishwe ngononophelo. Phambi kokuba uvume inkonzo iinkonzo, bafumanisa ukuba unayo nayiphi na amatyala kwiimvumelwano ezikhoyo ukuba enze sum ngexesha ntlawulo. Ngokubanzi, njengoko kuboniswa ngokwalo njengendlela client. Ukuba akukho imbali yekhredithi, ngoko yonke into iza kuxhomekeka kwindlela ngokupheleleyo amaxwebhu ezingeniswe amandla mboleki.

Loluphi uhlobo impahla ukhetha?

Oku kuyimfuneko kwakhona ukubakhankanya, ukuthetha malunga iimeko unika phantsi apho mboleko. Kungcono ukuba ukhethe indawo yokuhlala, ezibekwe phambi kwiindawo kakhulu liftoff. Ayikho enye indlela? Emva koko siya kufumana enye into, loo nto iphambili - musa ukukhetha endlini likaxakeka amakhaya abadala. Ngenxa nangoko "izicelo 'ezifana abathengi iibhanki uchithe.

Noko ke, ezithengiswayo asikhethwanga kwindawo yokuqala. Yaye kuphela emva kokuba imvume kwangaphambili. Kodwa ke inyathelo isabalulekile. Ngenxa yokuba umntu kufuneka athengise efikeleleka kakhulu kwaye imali ebolekiweyo njengoko ukhetho elungileyo. Kuba lo nguye Umvandlakanyi, kuya kufuneka iinkonzo zomgadi apho kubhenela client. Uya ukubhalisa impahla mortgaged kunye nexabiso layo elithelekelelwayo. Apho mvandlakanyi ukujongana? Lo ngumbandela yabucala, kodwa ibhanki ngamnye Ngokubambisana nemibutho efanelekileyo yenkangeleko, ngoko ke kungcono ukuba intloko yakho imibuzo engeyomfuneko kunye ukhetho lilungile. Ukongeza, iya ukukhawulezisa ngokutsha kwesicelo semali-mboleko ekhaya. Ngenxa yokuba abasebenzi bank akukho mfuneko yokuba khangela i Umvandlakanyi, ukuba abazi.

iinkqubo zentlalo

Ithandwa kakhulu namhlanje. Ngoko ke, umbuzo phantsi kweziphi iimeko banike nezivumelwano zokubambisa kwiintsapho abatsha, kunikwa rhoqo. Ngoko ke, apha izibonelelo ezingundoqo apho kufuneka wazi:

• Inkqubo "Family Young" Ungathatha ingqalelo esi sibini, ubudala nganye apho ayidluli iminyaka engama-35.
• Bamele ukuba kufuneka ukuphucula iimeko zabo zokuphila.
• Indawo ahlala kuyo ngawona ifikelela imigangatho zemimandla (6 m ² umntu ngamnye).
• Indawo yokuhlala ayihlangabezani nemiqathango yococeko.
• Family alala indawo zoluntu kunye nomntu ogulayo, kuye akunakwenzeka ukuba ahlalisane.

ingaba amaqabane ukufumana isibonelelo, nto leyo ilungiselelwe mortgage phantsi intlawulo okanye intlawulo kwenxenye ngemali ulwakhiwo ikhaya lakho, intlawulo yemali mboleko yezindlu (sele zikhutshiwe), ukuthenga iklasi zokuhlala kuqoqosho.

Ukuba ingeniso akwenzeki ukuqinisekisa?

Kwaye oku kuyenzeka. Ngamanye amaxesha abantu, abasebenzi ngokungacwangciswanga, imali entle kunene - aba, nto leyo iya kuba yanele-mboleko. Ke kaloku, njengokuba kuchaziwe ngaphambili, bambalwa kakhulu abantu alelwe mboleko yezindlu. Ngoko ukuba ingxelo esemthethweni imivuzo ayikho - phaya.

Kodwa ezinye iibhanki zinika nezivumelwano zokubambisa yaye yintoni amagama? Efanayo "VTB 24", umzekelo:

• 13.1% ngonyaka;
• amaxwebhu amabini (yokundwendwela kunye ukhetho yesibini);
• ubuncinane phantsi intlawulo ye-40%;
• imali - ukususela 600 000 ukuya ku-30 ezigidi.

Masithi, indawo yokuhlala ezixabisa 3 million p. Isixa-mboleko iza kuba million 1.8 engange, njengoko i-1.2 million abantu baya kwenza njengoko 40%. ngenyanga nganye, uya kufuneka imali malunga 68.500 engange iminyaka emi-5 ukuya ukuyibuyisa le mali uyibolekiweyo. A kancinane ngaphezu kwama-41 amawaka kuya kufuneka ukuba ibhanki njengoko ityala. Kakade ke, iimfuno yomelele, kodwa kukho iingenelo. Ngokubanzi, ezibhankini eseleyo izinga "nadbavochnye" ngenxa yokungabikho iziqinisekiso ingahluka-1 ukuya kwisi-5%.

izincomo

Abantu abaye benza imali-mboleko ekhaya, zidla iingcebiso abo nje ngaphambili. Ngokuqinisekileyo ukwazi iimeko phantsi iibhanki ukunika mortgages. Kunye nengcebiso esebenzayo kubalulekile ukuphawula ingqalelo kule yokugqibela.

1. Ngokuqinisekileyo bonke abantu Siqinisekiswa ukuba kubalulekile ukuthatha ngetyala ngenxa yemali ityala liya kuba nako ngokuchanekileyo ukuze ahlawule. Bekuya kubonakala ukuba kucacile kangaka! Kodwa akukho, abaninzi zazi ikhono labo, njengoko ophefumlelwe izizathu ezahlukeneyo, ezifana "ngabazali ukunceda" "uyakwazi ukufumana imisebenzi yesibini", "Iindleko urezhem" njalo njalo. D. Kodwa enyanisweni icace phandle okwahlukileyo. Abazali ukhule abantwana abalindelekanga ukuba ukunceda, podrabotok kungalindelekanga, udle buckwheat kuphela nzima. Ngenxa yoko, zonke iingxaki zamatyala kunye nembali anegazi ngetyala.

2. Ixesha ngaphantsi - ngcono. Ngoko cinga kunye neebhanki. Abantu abakwaziyo ukuhlawula amatyala kangangeminyaka eliqela, kunokuba-30, abantu ezithembakeleyo.

3 Kwaye enye ingcebiso engaphezulu ithi ebhankini, ukongeza onke amaxwebhu ezisisiseko eziyimfuneko ukuzisa ubungqina eyongezelelweyo imali. Umzekelo, ukuba umntu endlini enye, yaye nakwimizi kuyo - unokuthelekelela, ukongeza ku-2-NGOBUCHULE, ukanti isivumelwano esigqitywe umqeshi. Oku kungqinwe ingeniso, leyo qiniseka ukuba ukudlala ezandleni, njengoko ziya kuthathelwa ingqalelo umsebenzi yebhanki.

Kaloku, ukuba ucinge la macebiso ukukhumbula yonke ngasentla ngocoselelo athabathe ibhanki - uza kukhupha mboleko ngokwemigaqo kuFeliks.