Mortgage - security obhalisiweyo, nto leyo yabakho phakathi isivumelwano

Kuba mortgage mboleko luphawulwa collateral ngokohlobo impahla engenakususwa. Olu hlobo lwesivumelwano kufuna isiqinisekiso ngokusesikweni uxwebhu okhethekileyo, kuba ngetyala izindlu ezithengiswayo - yinto mboleko mali kunokuba elikhulu ngemali. Ukongeza, kukho umbuzo malunga njengesibambiso ethile, indima edlalwe yi indlu athengwe, indlu okanye enye indawo yokuhlala.

Kulo mba, iibhanki Russian anenkqubo ubhaliso mortgage kunye nezivumelwano zokubambisa le.

Yintoni mortgage

Mortgage - a unqabiseko olulawula ubudlelwane phakathi nombolekisi kunye obolekayo.

Ngenxa yakhe, umnini uba umnini wamalungelo ezimbini:

1. Ilungelo ukwenza imsebenzi zemali-mboleko ngaphandle kokunika ubungqina obungakumbi yobukho yayo.
2. Ilungelo lokusebenzisa ipropati, ekhutshwe phantsi kwe mortgage besibini.

Okunye azichaze yintoni mortgage nendlela ngayo iyahluka ukusuka isivumelwano sokubambisa, kunokwenzeka ngokwale theyibhuli ilandelayo:

Overview

Mortgage - a ukhuseleko ityala, leyo iphelelwa kuphela emva kwentlawulo epheleleyo zonke izibophelelo ze umboleki endodeni. Nangona kungalindelekanga liphelelwe, umnini wamalungelo, ibhanka kwakhona isibambiso okanye kuthengisa mortgage kwamanye amaziko zemali kunye namatyala. Kakade ke, kuphela ukuba imvume ngayo umboleki. Noko ke, le nto kungekho impembelelo ebalulekileyo akuthethi nikeza ngokwayo isibambiso: imiqathango yesivumelwano sokubambisa ngayo, kwakunye nemiqathango mortgage, zibe ingatshintshanga.

wokubolekisa ngemali Russian ayenzi sibonelelo wokubhalisa kweli phepha. kwiibhanki ezinkulu, umzekelo, musa cinga kuyimfuneko ukuze afune ukuba umboleki ukuba asayine mortgage, ngenxa yokuba koovimba babo tell asethi zemali, oko kukuthi, ke ngoko sengozini yokulahlekelwa ezithile isixa ebalulekileyo yena. Kodwa nxaxheba njengento enkulu credit kunye neemarike zemali nimane ubhaliso-mboleko ukuze bazikhusele.

Into ebalulekileyo mortgage kukuba ngokwemimiselo yayo ephambili wagqwesa ikhontrakthi yemali. Kubonakala ukuba izibophelelo-zokungahambelani azaliseke phantsi kwemiqathango mortgage.

Mboleko mortgage - yiyo uxwebhu oluphambili kule senzo, oko kuya Siyamazisa mortgage, kwaye mortgage - oku isiqinisekiso sakhe. Mortgage Original iya kuhlala ifakwe kunye ibhanki leyo walungiselela mboleko, lo mboleki kwakhona ufumana ikopi izivumelwano eqinisekisiweyo.

Mortgage - yinto ukhuseleko ngegama ubulungu leyo awukuvumeli iziko zemali yebhanki ukudlulisela ukuba amaqela wesithathu ngaphandle kwemvume ebhalwe phantsi mboleki.

Kakuhle eli mortgage

Mortgage - ikhonkco phakathi kwiimarike real estate kunye izibambiso. Esiphelo sesokuba mortgage mboleko, okt mortgage lwetyala kuthengiswa okanye mortgaged. iziko mortgage yaqaliswa kutshanje, nto leyo ngokungathandabuzekiyo kuthetha inkqubela ekuphuhliseni lentengiso izibambiso ematyaleni. Ngaloo ndlela, iibhanki ziya kukwazi ukuthengisa amatyala kurhwebo zasesekondari, ukuqinisekisa ngokwako isakhelo izibonelelo zemali amaninzi abolekisa ixesha elide.

I-mortgage yeyona iibhanki ibalulekileyo mboleko enkulu phantsi ulwakhiwo lwezindlu esele zenziwe. Long-term mboleko yezindlu ayikwazi kususela kuphela kwiziphumo ze iidiphozithi kunye nezinye iingxelo abagcinisa. Kuku kunye ixesha elide siboleka ukwakhiwa kunye nokuthengwa kwempahla yabucala lifune ekukhutshweni kwemali amathuba kwimarike stock ngokunjalo. Imbali zemali ehlabathini liye ukungakwazi uphuhliso eqhelekileyo imarike-mboleko yezindlu ngaphandle mortgages.

Iimeko wokukhutshwa mboleko

Ezi izibambiso inokukhutshwa, ngokuxhomekeke kwiimeko ezintathu:

• imbopheleleko oyintloko - mali;
• ekupheleni kwekhontrakthi mortgage iya kubandakanya imali kwamatyala kuwo, okanye iinqobo apho kuya kuba lula ukufumanisa;
• kwisivumelwano mortgage kufuneka ibe umba ezikhoyo kwi umba yemali.

Oku akuthethi ukuba mortgage okanye isivumelwano engundoqo abe ungalanjathiswa. Bobabini kuqhubeka sibe semthethweni. Kodwa simele sikhumbule ukuba mortgage - yinto izibophelelo zokhuseleko apho okwenziwa izibambiso. Umnini angafumana kwakhona mortgage mboleko isifundo okanye ukufumana ukusebenza isivumelwano inkulu mortgage, kunokuba ngokwesiseko mortgage okanye isivumelwano engundoqo. Ukongeza enye iimpawu mortgage kufuneka ibhekiswe ubhaliso karhulumente enyanzelekileyo izibambiso.

amaxwebhu Ikhutshwe le mortgagor. Mortgage - kwesibophelelo isibambiso, epapashwa ikopi enye, ngencwadi ebhaliweyo, malunga uhlobo olulodwa ngeendlela eqhelekileyo. ubhaliso State of-mboleko kubandakanya ubukho inombolo yobhaliso eyodwa kwaye cinezela, ngaphandle apho lo ukhuseleko uswele.

iindidi zezinto

Mortgage - yinto akananto yokhuseleko leyo isenokuba yenye yezinto ezi ndidi zilandelayo:

• zokuhlala, izindlu kunye iinxalenye zayo;
• izinto sidle;
• zwe;
• iigaraji, izindlu emyezweni, nemiqolomba kunye nezinye izakhiwo ngeenjongo yabathengi;
• imikhumbi emhlabeni, iinqanawa, iinqwelomoya, izinto isithuba.

BS ayikwazi ukuba babulawe, ukuba isivumelwano into engenakususwa kunye iipropati ezithile, ezifana:

• zwe;
• lweshishini bhaza owodwa kwaye ayahlukahlukenanga impahla;
• imithi, njl

Xa isivumelwano sokubambisa ibe yinto banikwe ilungelo lokuba yokuqeshisa.

Yintoni-mboleko kwi kwimarike izibambiso

Mortgage - unikezelo enokuthenjwa ematyaleni. Le nkampani, engumnini iphothifoliyo nezivumelwano zokubambisa, ekwenzeni imali eyongezelelweyo uya kuba nelungelo ukuqalisa ukuvelisa iintambo zayo. intlawulo yazo kungenxa ukuhlawulwa kwenzala yemali-owned yinkampani likhipha izitropu.

Mortgage izibambiso market - uxwebhu luyaziphumelela iimfuno ezithile. Ngokukodwa, kufuneka ibe yokoqobo, oko kukuthi, ephepheni, kufuneka kufuneka ukuba babonise ulwazi oluthile. Ukubakho bonke bephela eso ngokuzenzekelayo ixabiso layo.

Ukongeza izinto zomthetho data kwi mortgage efundisayo inkcazelo etyunjwe pledgee kunye pledgor. Umzekelo, kusenokuba ezinye ukwayo esebenzayo umboleki xa kuthe intlawulo yasemva kwexesha intlawulo elandelayo, okanye ezinye iimpawu eliphezulu, kulindeleke ukuba agcine impahla bathembisa. I-Bank unelungelo ngokuzimeleyo, ngaphandle inxaxheba onetyala, ukuba ezi imiqathango eyongezelelweyo.

Udluliselo mortgage neziphumo zayo zasemthethweni

Udluliselo mortgage ngengqiqo esemthethweni yahlulwe ngezigaba ezibini:

• ubhaliso endorsement ngokuthanda UMKHUPHELI (okanye naliphi na iqela lesithathu);
• ukudluliselwa kanye lo yokuqala.

Endorser (lowo eyipasile isibambiso) kufuneka ukuba anike isaziso esibhaliweyo onetyala ukutshintshwa yemali ka mhaka leyi. Emva kokufumana uxwebhu, i endorser uba umnini onke amalungelo mortgage ukuyithenga kunye host contract. Le endorser uya kuba noxanduva kubo ngenxa ukuthembeka kolwazi oluqulethwe kule yokhuseleko enikiweyo. Ukongeza, udluliselo mortgage kuthetha nangokungqinwa endorser ekubulaweni abathembekileyo zonke noxanduva unetyala phantsi isivumelwano. Emva kokuba mortgagor iphepha transfer ayinambango zonke afanelwe endorser ukuba ukungaphumeleli onetyala nayiphi na imisebenzi.

Noko ke, kukho igatya uMthetho "Kwi Mortgage" linika inkcazelo ngokuchakwa kwemiqathango zobutyala. Ngoko ke mortgage umthengi kwandisa intuthuzelo yakho kunye nokhuseleko utyalo zabo.

Mboleko usebenzisa mortgage

UMthetho "Kwi Mortgage" inikeza iindlela ezininzi ukuze baphumeze i-mboleko-mboleko mortgage encediswa:

• intengiso mortgage;
• isibambiso yayo
• Ukuthengiswa kolu xwebhu nemeko baphiwe intlawulelo yayo;
• umba izibambiso mortgage-backed.

Into ezincinane ebalulekileyo kulo mbandela kukuba mortgage refinance kunokuba kuphela nokwenziwa zonke izibophelelo yi unetyala kwi-mboleko.

Izinto eziluncedo nezingeloncedo izibambiso mortgage-backed

Izinto eziluncedo ze kunikezelo ibhondi kunye ezikwizatifikethi:

• Ukufumana market sokubambisa kwezibonelelo zemali ukwandisa imihlaba mortgage ngemali;
• abatyali zimali bafumana izibambiso abafumana imivuzo ephezulu kunye iziqinisekiso.

Engxakini ibhondi kunye nezatifikethi umniniyo ithuba ukuhlawula imali-mboleko yi lowo unetyala phambi obekiweyo. zisengozini enkulu yokuba ukubuya ebusweni ixabiso siqinisekiso, kunye result ukuba umnini izibambiso mortgage uya kuhluthwa imbuyekezo ixesha elide ngohlobo umdla.