Mortgage ngenkxaso karhulumente: Sberbank of Russia. Feedback ngale program kunye neemeko inxaxheba

Kuba abemi Russian sokubambisa, kwelinye icala, oko ithuba kuphela ukufumana izindlu kwelinye - yobukhoboka ityala ixesha elide. Intlekele eyehlele i-2015 kuye, ndayihluthwa abaninzi ithuba ukuhlawula isavenge sokuqala. Kuba abo bangakwaziyo ukusombulula ingxaki, icandelo logcino liphuhlise inkqubo mboleko mali. Iinkcukacha ezingaphezulu malunga yintoni-mboleko kunye karhulumente (Sberbank of Russia), phantsi kweemeko yintoni nakulowo unikwa mboleko, ufunde.

izibalo

Mortgage kwi Savings Bank kunye norhulumente, imiqathango ezahlukileyo kwingingqi nganye, zithandwa kakhulu. Kwiiveki ezimbini emva kokuqala kwenkqubo (18.03.2015) kuphela North Caucasus izicelo ezingaphezu kwe-150 zangeniswa. Sberbank ihambelana abaxumi abathenga izindlu kwisakhiwo esitsha. Imali mboleko iphezulu yi engange million 8 ingqukuva kunye ne St Petersburg, neminye imimandla - 3 million engange. Housing wathengisa kuphela amaqumrhu asemthethweni ovunyiweyo kwi bempahla yokwenene. kubaboleki Risk ziyancipha. Ke kungekho mfuneko mali eyongezelelweyo. Inshorensi into kunokuba ngqo kweli isebe Sberbank of Russia.

Mortgage ngenkxaso karhulumente iya kuba semthethweni de ekupheleni kukaFebruwari 2016. Ngeli xesha, sihlelwe ukubonelela mboleko engange 225 billion. Njengoko ka November 30, 2015, oko kukhutshwa mboleko 180 billion engange. 1.5 amawaka. izicelo. Malunga nama-30% yeemveliso mortgage Savings Bank kubonelelwe phantsi kwenkqubo entsha.

Injongo yale program

1. Ukukhuthaza ushishino lokwakha.
2. Nceda abemi ukusombulula le ngxaki yezindlu.

Sberbank: Mortgage ngenkxaso karhulumente

iimeko Thabitha zilula:

• Intlawulo Down: 20% yeendleko kwezindlu.
• Ikota: Iminyaka 1-30 (qukwanga).
• Izinga Inzala: ukusuka 11.9% ngo engange.
• Ubuncinane Imali-mboleko: engange 45 000.
• imali lininzi: engange-3 ukuya 8 million. (Kuxhomekeke kummandla).

Le mali ikhutshwa engange ibheyile zinto ezifunyanwa. Abahlali kwengqukuva St Petersburg sinokulindela engange 8 million. Ezinye ngabemi ukufumana imali-mboleko ngenxa abangama engange-3 million. Khetha into unokuba phakathi izindlu ukuba yakhiwe, izakhiwo esele zenziwe okanye kubathengisi eziqinisekisiweyo. Umhla Ukugqitywa ezithengiswayo Akukhathaliseki. Amaxwebhu kwi gumbi okhethiweyo kufuneka kunikwa iintsuku ungadlulanga owe-60 emva kokufumana isigqibo lokuqala ezintle. Ukongeza, iziko yokubolekisa iya kufuna umba inshorensi yobomi kunye nempilo zabathengi. Min Rate Savings Bank mortgage kunye karhulumente yi 11.9%. Akunamsebenzi ukutshintsha emva kokuba nokubhaliswa into. Kodwa iphenjelelwa ubungakanani bentlawulo phantsi, ixesha lwenkqubo, ubulungu kwiprojekthi lomvuzo, imbali credit "ezilungileyo" kwixesha elidlulileyo. ngokuba mboleko ngaphandle ikhomishini. Phakathi iindleko ezongeziweyo ziquka: iintlawulo zeenkonzo inshorensi yobomi kunye novavanyo kwezempilo into efumaneke, notarization amaxwebhu.

Iimfuneko mboleki

• Ubudala: ubuncinane engama-21, elona lininzi - engama-55 (abafazi) kunye (amadoda) 60.
• passport Russian.
• Amava endaweni esekugqibeleni zomsebenzi: kwiinyanga ezi-6.
• Iyonke amava emsebenzini: iinyanga ezili-12.

Umxhamli kuya kufuneka ukutsala intsebenziswano-kubaboleki (amaqabane, izalamane kunye nabahlobo). Oku kuya kunceda ukwehlisa umthwalo ngetyala. I "Abancedisi" ngaphezulu, kungona ingeniso iyonke, nto leyo kumiselwa mali iphezulu mboleko.

i algorithm

Ukuze ube nokufaka isicelo inxaxheba kule program "Mortgage ngenkxaso karhulumente (Sberbank of Russia)", kufuneka:

1. Gcwalisa ifomu, i yomzekelo we esiphezu website kwiziko lemali.
2. Qokelela iseti eqhelekileyo yamaxwebhu bonke abathathi-nxaxheba: ikopi yokundwendwela, data kwi umqeshi, 2-emhadini.
3. Banike iphepha naliphi na isebe Sberbank of Russia.
4. Kulindele isigqibo ebhankini.

Ngaxeshanye, kufuneka ukuba uqokelele iseti yesibini yamaxwebhu, leyo inxulumene zinto ezifunyanwa. Oku amaninzi isetyenziswa besibini. kunqabile kakhulu uyavuma ukusebenzisa iibhanki njengesiqinisekiso sokuba enye indawo yokuhlala. Ngokutsho into enjalo ukubonelela: isiqinisekiso sobhaliso, intengiso kunye nesivumelwano lokuthenga, ipaspoti cadastral, kuphando malunga yokungabikho kwamatyala kwi iintlawulo Izixhobo zikaWonke, ulwazi malunga nabaqeshi.

nxaxheba

Ziziphi zinako ikhuphe imveliso "Mortgage kunye karhulumente"? Savings Bank, "VTB 24", "Gazprom", "Deltacredit", "Bank of eMoscow", "RAB". Umnqweno ukuba bathathe inxaxheba kule program wavakalisa 30 asinto enkulu kuphela kodwa iibhanki ezincinci. Isabelo-mali karhulumente, kwakunye "Unxibelelwano-bank", "Absolut Bank", "Renaissance" mboleko eyabangela ukuba inxalenye enkulu izicwangciso engange million 400. Ngaphezu ihafu yale mali luza beekhredithi Sberbank. Mortgage ngenkxaso karhulumente ngexesha lokudodobala ongaphambili ka-2008-2009 wenza kuphela "VTB". Ukukhetha yeziko zemali aluchaphazeli ngokwemiqathango ye-mboleko. Le migaqo ilandelayo zokufumana imali. UMboleki wohlawula ubuncinane 11.9% ngonyaka we-mali. Le mbuyekezo iphezulu apho zinako athembele kurhulumente, yi 5.5%. I-Ofisi yoMphathiswa wezeMali sele yabelwe ukusuka mali karhulumente engange-20 bhiliyoni ngemali le projekthi. Ukususela ekupheleni kuka-2015 zange wabulawa isicwangciso, umhla inkqubo ukuphelelwa kwandiswa.

iziphumo

Ngenxa yokuba le nkqubo "Mortgage kunye karhulumente" (Savings Bank of Russia) lisasebenza nangoku, ukuba azihlanganisele iziphumo okwangoku. Nangona uyakwazi ukuthetha kuphela malunga nokuthengiswa kwezinto real estate. Ngoko ke, phantse bonke ababhekisi phambili uku-Epreli 2015 bekukho ukwanda elibukhali kwi inani azityikitye iimvumelwano zeentengiso. Abathathi-nxaxheba bokuqala yenkqubo waqalisa ukuqokelela amaxwebhu ngoJanyuwari kunyaka ophelileyo, kodwa elinye ngokubulawa esivumelwano ukuba kusungula imveliso entsha. Okokuqala ukungena kwizivumelwano ne-mali ubuncinane. Abantu mboleko abo ukubala ngokongeza intlawulo yokuqala (apho ubhejo akazange nangokomgaqo njalo), kwakunye nabo utyikitye ngemvumelwano ixesha elifutshane (iminyaka 3-5) ukwenzela ukuba ahlawule inzala.

Ukususela phakathi nonyaka waqala ukuba kuvela ngabathengi kudala loya yezindlu kwizakhiwo ezitsha. Nangona imfuno yancitshiswa, zonke uluhlu ngenyanga kwezithobekileyo lokwenene siyehla. Oku kubonakala ingakumbi kwinqanaba eliphezulu izinto intumekelelo, leyo uthengise indlu kangangeminyaka eliqela.

iimpawu

Uninzi sithetha ngayo Sberbank. Mortgage ngenkxaso karhulumente, Kakade ke, siye bekhuthazwa kwemfuno izindlu ezithengiswayo. Kodwa kusekho ngabathengi, nangona drop elibukhali kwi engange, ukulungele ukuba akhuphe mboleko, nokuba iimeko eqhelekileyo. Ukuba abaxhasi ngaphambili baphathwa e Sberbank, kuba kwakukho umlinganiselo esekugqibeleni, ngoku ufumana elirhoxisa, ukuba isicelo kwamanye amaziko, hayi nje kuphela kwi imeko program.

iimeko Inkqubo zatshintsha. Ngaphambili, kwaba lula ukuhlawula imali ukuya kwiminyaka-75 ubudala. Ngoku ke umise omnye umbundu entsha - engama-60 amadoda kunye 55 - kumabhinqa. Ngokutsho realtors, ubudala umndilili umboleki - iminyaka 25-35, kwaye isivumelwano ikakhulu iminyaka 10-15.

finpodderzhka eyongezelelweyo

Ukuba ndithatha i mortgage Sberbank ngenkxaso karhulumente? Kulo mbuzo yonke umboleki okunokwenzeka unoxanduva ngokwakhe. Developers kufuneka silwe wonke umthengi. Ukuza kuthi ga ngoku, ke ukuphuhlisa inkqubo yazo ukunyaniseka. Ezinye zazo inkqubo Sberbank inzuzo.

Umzekelo, FGC "iNkokeli" kunye ibhanki "Ukuvulwa" yasungula inkqubo mali, kungekuphela nje urhulumente kodwa umqambi. Imigaqo nemiqathango imi ngolu hlobo lulandelayo: kunyaka wokuqala umxhasi uhlawula 8 okanye 10 ekhulwini ngalinye ngonyaka, ngokuxhomekeke kwisixa sentlawulo phantsi. Ukususela kunyaka wesibini izinga liphuma kwi 11,95% okanye ukuya kwelo zinga, nto leyo eza kunika ebhankini, kuxhomekeka kwindawo yemali yomboleki. Credit ingakhutshwa ubuninzi engama-30.

CC "Leader Group" uphumeza iphulo kubahlali kwesihloko. Nabathengi izindlu ezithengiswayo kwikota "Inkokeli Park" iindawo "City of Ntsako" yaye "ngokungqalileyo-City" na isaphulelo se-12% yetotali yexabiso lwepropati, ukuba sezindlu ababufumene phantsi kwemiqathango ye-mboleko. Yintoni iziko lamatyala zizakudityaniswa, akunamsebenzi.

"Amaqela Khimki" ngakumbi izinga inkxaso ekhulwini elinye. Oko kukuthi, ukuba mortgage sikhutshiwe ukuba inkqubo yenkxaso karhulumente, umxhasi ayiyihlawuleli 11.9% 11%. "City-xxi Century" yaye "Absolut Bank" kumisa inkqubo lobulungu yokuthenga izindlu kwi "Imibala Ubomi" ezintsonkothileyo kwi-11.5%. Urban Group liqalise "Inkxaso kwinkxaso karhulumente i" leprojekthi, apho bonke abathathi-nxaxheba liyehla amane ekhulwini.

Sberbank. Mortgage ngenkxaso karhulumente: ncomo

Le ethile inkulu, elona nani yi-nxaxheba kule nkqubo, - ukhetho encinane kwezithobekileyo lokwenene. In eqondakalisiweyo Sberbank kubaboleki dlame amaxabiso lwezindlu. Kwaye xa uthenga indlu ngokusebenzisa enye inkampani, izinga uza kunyuka. Ingxaki yesibini - intlawulo eliphezulu lokuqala. Phantsi kwemiqathango lwenkqubo eqhelekileyo, umboleki unako ukwenza-10% ngokohlobo kusengaphambili. Ngoku eli nani liye landa-20%. Oku kuthetha ukuba, ukuba phambi kokuba abantu bakwazi ukubala kwi "piece kopeck" kwindawo zokuhlala, ngoku kunzima ngayo ezifikelelekayo elinye lokulala eflethini okanye studio indlu. Enye isikhubekiso - izinga lenzala. Enyanisweni, zanda nge-1%. A ekubaleni mortgage kunye norhulumente. Sberbank ukulungele ukunika libolekwe umxhasi yi 11.9%. Kule nkalo ke kokugqitywa isivumelwano inshorensi yobomi lo mboleki kangangonyaka ubuncinane 1. Emva kweenyanga ezili-12, lo mboleki kufuneka bahlaziye le-inshorensi, kungenjalo izinga liya kwanda ukuya 12.9%.

Kwangaxeshanye, kubaboleki bathi icala oluhle. Okokuqala, isigaba samalungiselelo onke amaphepha ababandakanyekayo umphathi ebhankini. Abathengi kuvela kuphela wokutyikitywa kwesivumelwano. Okwesibini, nkqu kunye iintlawulo inshorensi intlawulo yenyanga engaphezulwana nje kancinane kune irente kwindlu efanayo.

emazantsi

Inkqubo yohlahlo ikuvumela ukuba uthenge indawo kwi sokukhetha wenzala (nge-11.9%) ukuya kutsho kwiminyaka engama-30. Ababoleka nokulondoloza ilungelo lokusebenzisa capital ngosana yokugubungela yinxalenye yetyala andule ukufumana ukuba ixhuzulwe irhafu. Kodwa nkqubo kuneengxaki zako. Okokuqala, kukho eliqingqiweyo inani iibhanki ezithatha inxaxheba. Kukho 30 kuphela Kodwa de facto kwiidolophu ezincinane wephondo isicelo kuphela kwi "VTB 24" kunye Savings Bank. Okwesibini - intlawulo yokuqala ye-20%. Thelekisa kwi "TCB" phakathi kwinkqubo efanayo urhulumente unako ukufumana imali-mboleko, ngokubhatala intlawulo ye-15% kwangaphambili. Kwelinye icala, imali saninikela ukuba umboleki sethubeni intlawulo phantsi, inowuthi umyinge wenzala phezu kokuba uyakwazi ukubala.