Mortgage: ixesha ubuncinane, iimeko ulwamkelo. Igama ezizezona zisezantsi mortgage zomkhosi

A uphahla phezu kwentloko yakho - yinto elungileyo ukuba wonke. Kodwa ke, ngelishwa, asinguye wonk 'umntu unako ukuhlawula ngokwabo. Kwaye abanye nje abanayo imali ecacileyo. Emva koko kuza kubanceda-mboleko. Ithuba sincinane, ngokutsho ezisemthethweni, esingangonyaka omnye. Kodwa ngaba ngokwenene?

ulwazi jikelele

Okokuqala, ndingathanda ukuthi ukuba isiko eyaziwa ngokoMthetho ezintathu mboleko mboleko: elifutshane, eliphakathi nelide. Akukho nemigangatho emalunga ubude yabo ayikho. Kulo mzekelo yonke into kumiselwa ngqo elunxwemeni lomlambo. Kukho ezinye imibutho bayavuma ukuba ixesha ngokosuku abathengi mortgage yaba iinyanga ezili-12. Abanye kugxininisa kwiminyaka 2-3.

Ngapha koko, ngenxa yokuba abantu benze phandle mortgage, iibhanki yenza imali entle. Ngenxa iintlawulo umdla ngabathengi. Imali kunokuba enkulu. Ngapha koko, lwezindlu eqolo khona ngoku, yaye abantu benze Uboleke ezifanelekileyo. Kwaye oku kuza kusuka kwiindonga ingeniso elungileyo. Kwaye oko kukholekileyo ngakumbi umdla umthengi ihlawulwa elide kangangoko kunokwenzeka.

ngezimo

Kodwa kukho ithuba lokuba ibhanki iya makawavume loo mntu inkonzo njenge mortgage elifutshane. Igama Ubuncinane - ngonyaka. Akukho mfuneko yokuba nemihlali ngaphambi kwexesha, ekubeni client kulindela ubunzima bokuqonda.

Thabatha, umzekelo, inkonzo yeziko kakhulu athandwa zemali eRashiya - "Savings". Masithi umntu uye wabheka flat ngenxa engange 5 million. Intlawulo yokuqala iya kuba 750 000 lamawaka. Hlikihla. Rate - 15% ngonyaka. Mortgage umntu phantsi kweemeko ezinjalo unako ukuvumela kuphela kwimeko apho wayeza kukwazi ukuhlawula umyalelo ngenyanga ka-385 000 engange! Ngelo xesha, njengoko imigaqo, imali anikwe njenge kwetyala kufuneka ingadluli 40-50% kwingeniso zabathengi. Kubonakala, ngenyanga umntu kufuneka umvuzo malunga 800 lamawaka. Thambisani. Umbuzo ngulo: ngaba umntu ngengeniso engeyomfuneko-mboleko? Kulula kakhulu ukuba ulinde athenge ikhaya ngemali.

Kodwa kuyimfuneko ukubuyela nesihloko. Phantsi kweemeko ezinjalo, lo egqithisileyo kwi mortgage yonyaka iya kuba malunga 355 lamawaka. Thambisani. A imali epheleleyo emayihlawulwe kuqala iya kulingana ~ million 4.6 engange (plus musa ukulibala malunga intlawulo yokuqala). Nangona kunjalo, lo mzekelo mnye. Wonke na yonke ukubala ngokwam, ngenxa yokuba kukho wokubala mboleko.

Iimfuneko mboleki

ngokuxelela Ngokufutshane kubalulekile, yaye yintoni abantu kuthathwa nje ngabathengi ezinokwenzeka ebhankini. Ngenxa ukufumana mortgage kufuneka ukuhlangabezana neemfuno ezithile.

Age - imeko yokuqala. Umntu kufuneka ezingama-21 ngexesha lonyango. Kwaye ukuze angavumela mboleko ekhaya kuphela ukuba unako ukuhlawula phambi kokuba abulawe engama-60.

amava emsebenzini kubaluleke ngakumbi. Ubuncinane - unyaka omnye. Kwaye emsebenzini lokugqibela - kwiinyanga ezi-6. Umntu okuba ukufumana imali-mboleko yexesha elide, ukuba usebenza ukuze kuxhamle omnye kwiziko elinye ixesha elide. Oku kubonisa uzinzo kunye noxanduva. Iholo, ngasendleleni, kufuneka kungqinwe ngereferensi 2-emhadini. Yaye inkulu imivuzo umntu - ngcono.

Enzala kunye neentlawulo

Izinga zonyaka ungahluka. Ngokuqhelekileyo, ukususela 9% 17%. Oku kuxhomekeke kwizinto ezininzi. Of ngexabiso kumvuzo, ingeniso indlela yokuqinisekisa yomboleki, ubukhulu intlawulo phantsi, uhlobo umyinge wenzala, nkqu mboleko elide. Mortgage kangangonyaka, umzekelo, kuya kuba zitshiphu mboleko kangangeminyaka eli-15. Apha lo mgaqo yile: phezulu kwekota, inzala ngakumbi. Hi ndlela leyi, izinga ezidadayo eyona ndlela yongayo nge 1-2%. Zonke kuba wathemba ezimbalwa. Emva rate lencopho ibalwa ngokwefomyula eyenzelwe ethile, nto leyo kubonisiwe kwisivumelwano. Kudla ke ebotshelelwe irhafu kwimarike zizodwa kulo. Njengoko iingcali Qiniseka, izinga edada yeyona kunceda kakhulu abantu abafuna ukuthatha imali ixesha elide. Ngoko ke, ukuba ngaba uceba mortgage kangangeminyaka eli-10, kubalulekile ingqalelo oku ukhetho ukusindisa.

Kunye ambalwa malunga Intlawulo yokuqala. Oku kufuneka, kwaye ngokuqhelekileyo iyahluka ukusuka-10 ukuya kuma-30 ekhulwini. Ukuba kunokwenzeka, kuhle ukuba esona sixa sikhulu. Ngokuba kuya kunciphisa izinga. Kwaye ukuba ufuna iimeko ezingcono kakhulu lula, kungcono ukuba isicelo ebhankini, ikhadi apho umntu ofumana umvuzo. Iinzuzo ezinokubakho iya kubalwa mortgage calculator efanayo.

inkqubo ethile

ingqalelo eyodwa Ndingathanda ukukhankanya mortgage emkhosini. Ngako konke sikuvileyo, kodwa wonke umntu uyazi kakuhle ukuba yintoni na. Ingongoma elula. Umthetho kwinkqubo mortgage inkxaso ngokunika lwezindlu empini kubanika ithuba ukuthenga indlu ngaphambili kakhulu ekupheleni inkonzo yabo.

Njani ukuba yenzeke? Kuba akhawunti yokonga zomkhosi evulekileyo, nto leyo kwakhona ngenyanga ngurhulumente. I-avareji yonyaka efunde malunga 250 000 engange. Emva kweenyanga ezingama-36 inxaxheba kwiprogram ka umkhosi angafaka isicelo sokufumana ingxelo yoxwebhu, apho uya kumnika ilungelo lokuba ufumane mboleko yezindlu ekujoliswe kulo. Okulandelayo, uziphakamisa yepropati ozifezekisayo iimfuno ze-Ofisi yoMphathiswa lezoKhuselo, inkampani ye-inshorensi, ibhanki kunye nentando yakhe. Ngoko libhekisela ngemali, abasebenzi ngetyala. Emva koko uvula i-akhawunti kunye transfers ngayo ngaphambili okongezeleke imali program. Oku kuya kuba intlawulo ekuqaleni.

Ubukhulu mboleko likhulu emkhosini kukuba, ngokwedatha ka-2015, izigidi ezi-2,2 engange. Emva ingcaciso zonke bokuqonda kunye nokuqinisekisa amaxwebhu isivumelwano. Kwaye ngoko vennomu akhuphe isiqinisekiso esemthethweni engqina ilungelo lakhe ubunini yobhaliso real estate.

Izimali kunye nemihla

Credit ekhutshwe isosha nkqubo okhankanywe apha ngasentla, kufuneka ukuzibhatala. Iintlawulo zenziwa FGKU "Rosvoenipoteka". Kwaye uthathe imali-mali federal. Intlawulo yenyanga ibalwa ngokwale umgaqo othile. Nguye 1/12 isixa sentlawulo yogcino. Oko kukuthi, ukuba ekugqibeleni nesoldati ukuqokelela engange nesigidi nyanga nganye iya kuhlawula malunga 84 amawaka. Thambisani. Kubonakala kwagqama inzuzo.

Igama ezizezona zisezantsi mortgage zomkhosi ziinyanga ezili-36 (okt iminyaka emithathu). Ubuninzi kwakhona ulinganiselwe. Ngexesha intlawulo imikhosi exhobileyo kufuneka ube neminyaka engaphezu kwama-45.

Njengoko yokusebenza ibonisa, inkqubo kuluncedo ngokwenene. Ukuba uyakholwa manani, oneminyaka eli-2 ubudala, ngoko fumene impahla amajoni ngaphantsi kwe-100 lamawaka kancinane. Ngenxa yoko isixa iyonke yaba engange-143 ezigidi.

Credit ngenkxaso karhulumente

Ngenxa ngemeko emandundu, inkqubo loluntu sele luphuhlisiwe kurhwebo lokwakha. iindidi ezithile abemi baqalisa ukunikela iinkxaso kwenza ukuthenga ikhaya iye wokwenene ngakumbi kubo. Inkqubo ezingxamisekileyo zentlalo - yenzelwe abatsha nezivumelwano zokubambisa iintsapho kunye nenkxaso karhulumente. imihla yayo ekuvuthweni ziyafana kwiimeko eziqhelekileyo. Elona nani liphezulu avumelekile - engama-30.

Fumana isibonelelo asinto ilula kakhulu. Phambi kokuba bangene kuluhlu lokulinda, kuyimfuneko ukuba athathe amaxwebhu Umcikide wena kokubanako nxaxheba enkqubo ukuthotyelwa. Ngalinye amaqabane kufuneka abe ngummi Russian kwaye zibhaliswe kummandla ahlala iminyaka ubuncinane 11. Ubudala nganye kufuneka ukuba ibe phakathi sikhokelo 18 ukuya 35 Ukususela amaxwebhu kufuneka isiqinisekiso somtshato kunye yokundwendwela. Ukuba unabantwana - amaxwebhu engqina phambi kwabo. Wonke umntwana - yinto a plus-5% ye-mali. Kuba ngentsapho namaqabane ezimbini, ubukhulu imali eyabelwe yi-30% yeendleko kwezindlu.

Kuza kufuneka ingxelo engenayo, iingxelo ze-akhawunti kunye nekopi lamapasi.

Imigaqo nemiqathango yeebhanki ezahlukeneyo

Kufuneka kukuxelela ngakumbi ngezinto iimeko kwiintsapho abaselula zinika amaziko zemali ezaziwayo-kakuhle benza kubonelelo ngeenkonzo ezifana, ezifana mortgages. Ithuba isezantsi ezichazwe ngamnye. Kodwa ke ubuninzi yahlukile kumntu wonke.

Umzekelo, i "Savings Bank" ibonelela mortgage kangangeminyaka engama-30. imali eli-mboleko million 3.2 engange. Rate - 12% ngonyaka, ngokuqinisekileyo isandla-20% yeendleko kwezindlu.

"Bank Agricultural" Kwakhona azibandakanye ekunikezeleni ngeenkonzo ezifana mortgages. Igama Ubuncinane - kunyaka-1, ubuninzi - engama-30. imali mboleko kunokwenzeka ulingana engange nezigidi ezingama-20, kufuneka intlawulo yokuqala ye-10%. Izinga ngonyaka ka-14%.

"VTB 24" ucela imali a-20%. Imali lincitshiswe isiqinisekiso kwi-mali. Ke kucetyiswa ukuba usebenzisa yona yokuthenga izindlu kwisakhiwo esitsha, kwaye imali-mboleko ebhankini ukuze ikhuphe ukuze ahlawule imali eseleyo. Hi ndlela leyi, "VTB 24" ivumela ukusetyenziswa capital kubeleka. Baya ukubuyisela isavenge sokuqala.

malunga nenzuzo

Ngoko, kwanele wathi ngalo, ngokuba elide kangakanani, yaye unike zokubambisa kufuneka ukusebenza kuyo. A amagama ambalwa enokuthethwa malunga nenzuzo khetho, nelinika-mboleko yezindlu.

Indlela engcono yokonga imali - yokuthenga izindlu sisephantsi kolwakhiwo. Kuyinto zitshiphu ilungele-30%. Imali izicacele. Kungcono ukuqwalasela ukuthenga zokuhlala kuloo ndlu, ubuncinane omnye kwisithathu wakha - esiqhambukayo iya ugqibile wathuma ngokukhawuleza kangangoko kunokwenzeka, ubuninzi. inzuzo ngakumbi kukuba lo mntu uza kufumana izindlu entsha, zicocekile. Ekubeni izicwangciso izakhiwo mihla nepheleleyo, uya kukwazi ukukhetha le projekthi onguwabo.

A mortgages plus ukuba iibhanki abaninzi asebenza kunye ababhekisi (and vice versa). Oku kuthetha umdla oluncinane kunye imiqathango efanelekileyo client.

ngokoMthetho engcono

Ngokubanzi, mboleko mboleko - alikho isicombululo isebenzayo yeengxaki zemali kuba umntu, ukuba umthwalo ngokwayo ematyaleni. Ke, ukuba akukho enye indlela, kukho enye kuphela ndlela yokuphuma - ukukhetha iimeko kakhulu lula kunye neendleko-olusebenzayo.

Ngokweliso, kubonakala kuyingenelo kubo bonke nezivumelwano zokubambisa ixesha ubuninzi. Masithi indoda yathatha kwezigidi ezi-2 mboleko minyaka yonke iminyaka engama-30, unika ibhanki 500 kuphela ~ 20 engange, endaweni ~ 45.600, abeya kwafuneka ukuba kuthi ndlela-ntle, ikhuphe ibe mboleko iminyaka emi-5. Loo nto kuphela kwimeko kwexesha ubuninzi nezicelo iya kuba malunga 5.4 million p! Njengoko ukuba yeyesi-2 000 000 kuphela. Kodwa kwimeko mboleko kunyaka-5, yena overpay 665 000 kuphela p. Ngoko ke kungcono ukuba ucinge izihlandlo ezilikhulu phambi kokuba mvuma imeko ethile.