Ngaba kufanelekile ukuthatha imali yangoku? Ngaba kunenzuzo ukuthatha imali yangoku?

Imeko yezoqoqosho eRashiya ngoku iyanzima, kwaye abemi abaninzi bacinga ngendlela yokuqinisekisa ukhuseleko lokugcina imali ngokuzifaka imali ekuthengeni indlu. Abanye balindele ukutyalo-mali kwiindawo zokuhlala eziphantsi kweendleko zabo, abanye bathembele kwiimali mboleko zebhanki. Kodwa ngaba kufanelekile ukuboleka imali yangoku? Mhlawumbi kukho iindlela ezifanelekileyo zokutshala imali?

Ukuphathwa kwemali kwiinkathazo: amaqela amabini eenkcukacha

Ukuze uphendule umbuzo wokuba ufanelekile ukuthatha i-mortgage ngoku, xa iRashiya ineimeko ezinzima kwezoqoqosho, kuya kuba luncedo ukuqala ngokuhlalutya izinto eziphambili zeengxaki zebhanki, malunga nabaphi na abahlalutyi bathetha kakhulu. Emva koko siya kuzama ukugqiba ukuba zininzi izigwebo ze-EU kunye ne-US ngokubhekiselele kwiRashiya, ngenxa yolu meko - ngaba abo bacelwa ukuba badlale indima ephambili kwimeko yokuba iimeko zengxaki zenzeke kwezoqoqosho zaseRussia.

Ngoko, ziziphi iingxaki kwinkqubo yebhanki yesizwe yaseRashiya? Iingcali zichonga amaqela amabini awona maqhosha enkqubela, apho kwakhona, ayenziwa phantsi kwefuthe leenamba ezihlukahlukeneyo.

Inkathazo yokuSombulula

Isalathisi sokuqala seengxaki: i-solvency yoluntu iyahla. Abantu abakwaziyo ukukwazi ukwenza iimali-mboleko ezintsha. Oku, kulandelelaniswa nale miba elandelayo.

Okokuqala, ngokukhula kwexabiso lokunyuka kwamaxabiso, ukwanda kwamaxabiso eninzi kwempahla yabathengi, ngokukodwa kwimveliso ephuma ngaphandle. Ukunyuka okubonakalayo kwiindleko zesekhaya. Kwaye nangona kunjalo ukuba umvuzo wangempela, ukuba ukhula, awukho ngokulinganisela. Kwakhona, amaxabiso eenkonzo zezindlu kunye noluntu, izithuthi zikhula ngokukhawuleza. Isiphumo: abemi abanakho imali yokukhulula imali.

Okwesibini, oku kukubaluleka kwengxenye ebalulekileyo yabemi. Abaninzi abakucingi kangako malunga nokuba kuyafaneleka ukuthatha imali mboleko ngoku, kungakanani malunga nokubuyisela imali mboleko yangaphambili. Abantu abaninzi baseRussia banenkinga yokubuyiselwa ityala labo langoku.

Ngoku makhe sizame ukucacisa ukuba izigwebo zezoqoqosho ezityhutyhile neRashiya zithintela njani ukuvela kwesalathisi sokuqala seengxaki. Ngokubhekiselele kumbandela wokuqala, mhlawumbi unempembelelo. Ukunyuka kwexabiso lemveliso yeengcali ezidibanisa ne-food embargo yeRussia Federation ngokumelene nabathengisi baseYurophu - kwaye ngandlela-thile inxulumene nezohlwayo. Le mpendulo yaseRashiya kubo. Ngokubhekiselele kwimbini yesibini-mhlawumbi, inkohlakalo yezohlwayo apha ihambelana. Inyaniso kukuba ininzi yemali-mboleko ikhishwe ngabakwaRussia ixesha elide ngaphambi kokuxhamla kwimeko yezopolitiko.

Mhlawumbi, siya kuba nelungelo lokuphawula ukuba zombini izinto ezenza isalathisi esifanayo ziyahambelana. Ukunyuka kwexabiso lemveliso kunye neenkonzo, ngokucacileyo, ukukhawulelana nokuhlengahlengiswa komntu obolekayo, ngaphandle kokuba inemboleko.

Ingxaki kwiibhanki

Isalathisi sesibini seengxaki: ukungonakaliswa kweemeko kwiibhanki, ngenxa yoko-ukungakwazi kwamatyala kunye namaziko emali ukukhupha imali-mboleko, kubandakanywa iimboleko zemali mboleko kunye nokuzinikezela kwiimeko ezikhululekile kumboleki. Izinto ezikhoyo kwimeko yangoku, kwakhona, zilandelayo.

Okokuqala, iibhanki ngoku zikhululekile kakhulu. Ukuze kunikwe into ebbolekayo, iibhanki kufuneka zibe nento. Amatyala amaninzi aseRashiya ngamanqaku amaninzi aqikelelwa ukuba aphezulu.

Okwesibini, iibhanki, ngokungqongqo, ziimeko ezifanayo nababolekayo - kwimeko yesikweletu. Inyaniso kukuba bona banamalungelo amaninzi kubathengi bangaphandle, iBhanki Ephakathi YaseRussia.

Ngako-ke, makhe sizame ukugqiba ukuba ngaba iinqatyambo zibeka ityala kwiimeko ezikhoyo? Iingcali ezininzi zikholelwa ukuba oku kunjalo. Kutheni? Abaxhasi beli ngcamango bagxininisa ukuba inxalenye ebalulekileyo yekredithi yaseRussia kunye namaziko emali abanamatyala ngabathengi bangaphandle. Kwiminyaka phambi kokuba kuthathwe izigwebo, benza ngokunyanisekileyo iimali-mboleko zangaphandle, ukuxhamla iimeko zenzalo ngenzala. Ukuhlawulwa kweerhafu kwakuxhomekeke kakhulu kwiindleko zokulungiswa kwemali - ngexabiso lemali-mboleko yamanye amazwe. Ngoku, xa kwimiqathango yezohlwayo iibhanki zaseRashiya ziye zalahleka ngokufanelekileyo ithuba lokuba zinikezelwe kwamanye amazwe, iimali kufuneka zifune imithombo emitsha yentlawulo. Amaziko amaninzi amatyala, abahlalutyi bathi, abanalo iindawo zabo zokugcina ezi zinto. Kwaye kunjalo nangakumbi ungananto enkulu yokukhupha njengemali-mboleko.

Eyona nto ephambili - imeko kwiibhanki?

Ukuxela malunga nendlela umboleko oza kuphuhliswa ngayo, into enokuyilindela kwiimarike, kuxhomekeka kakhulu, abahlalutyi bakholelwa, emva koko konke kwiimeko zebhanki. Into ebonakalisa umsebenzi wabanini-mboleko abanokubakho okwesibini kule nqanaba. Nangona amaRussia engenazo iingxaki zokunyuselwa kwintengo, ukunyuswa kwexabiso lentengo (ngokukodwa-nge-electronics kunye nezinye izinto ezingeniswe ngaphakathi) kunye nokungabikho kokukhula kwemali ngokwenene, imeko ebhishini lokubhankanya ngokwalo lide likude kakhulu ukuze imakethi yokuboleka imali iqhubele phambili Iminyaka embalwa edlulileyo, i-economics ikholelwa.

Ukubuyiselwa kwipesenteji

Oku kunokwenzeka ukuba, abahlalutyi bakholelwa ukuba, ukuba iibhanki zifuna ukubolekelela abemi ngexesha lobunzima, baya kukwenza ngokunyusa kakhulu inani lentengo. Okanye ngokumisela imigaqo yokuvuma imboleko. Ngaloo ndlela, kunokwenzeka imeko apho umntu engacingi ukuba acinge malunga nokuba uthathe imali yangoku. Inokwenzeka ukuba, ibhanki nje ayikwazi ukubonelela ngemboleko ngemeko efanelekileyo. Okanye kwanqatshelwe kwisicelo ngenxa yezizathu zengxaki zangaphakathi. Ingaba kunengqiqo ngoku ukuthatha imali mboleko xa imeko kwiibhanki ingekho kakuhle? Iingcali ezininzi zikholelwa ukuba izigqibo ezinjalo azikafiki.

Ukuba isicelo sivunyiwe

Cinga imeko ephumelelayo - umzekelo, umntu waseRashiya akanalo iingxaki ngemali-mboleko yangoku, unomvuzo ophezulu, kwaye ibhanki, ngokusemgangathweni, ilungele ukumnika mboleko ngokuthengwa kwezindlu. Ngaba kufanelekile ukuboleka lo mmi ngoku? Impendulo yalo mbuzo inokunikezwa, ngokusekelwe ekufundeni kwimiba ephambili yomsebenzi ozayo: ngaba akuyi kuvela ukuba emva kokuthengwa kwendlu emva kwexesha kuya kuwela kwixabiso elininzi kangangokuthi i-mortgage iya kuba ingenakunceda umntu?

Kule ngongoma, xa usenza isigqibo sokuba kuyafaneleka ukuthatha i-mortgage ngoku, kulunge ngakumbi ukutyala i-marhwebo kungekudala kwimeko yokujonga imeko yentlekele kwiibhanki kunye nezohlwayo, kodwa kunoko ngokuhlalutya imilinganiselo ebonisa ukuguqulwa kwexabiso lokuthengwa kwezindlu kunye nokuthengisa. Ewe, imeko yezopolitiko apha idlala indima ethile. Kodwa inqaku eliphambili kwii-optimal investment in housing, iingcali zithi, yimeko yeemarike ezifanelekileyo.

Imeko kwiimarike zendawo

Ziziphi izinto kwiindawo zendawo yokuhlala? Ngaba inzuzo ngoku ngokuthatha imali yokuthenga ngemali ngokwemigangatho yokulindela kweendleko zezindlu? Iingcali zichonga iziganeko ezintathu ezimalunga neenjongo zokuphuhliswa kweemarike.

Ngokweyokuqala, amanani epropati kwiminyaka ezayo iya kuhlala kwinqanaba elingaphantsi okanye lingekho phantsi koku. Abaxhasi balo mbono bakholelwa ukuba i-market ye-real estate market ngokwemilinganiselo yentengo, ukubonelela kunye nemfuno iyalungelelanisa. Ukuncipha kokungabikho komsebenzi wabathengi ngenxa yokubanjelwa kweebhanki kunye neebhanki eziphantsi kweebhanki, abathengi bakholelwa ukuba, ziya kuhamba kunye nokuhla kwee-supply - ngokukodwa ngenxa yokuba abanini bezindlu banqwenela ukulinda ingxaki kwaye bangathengisi izindlu kakhulu. Ngaba kunenzuzo ngoku ukuthatha isihlobo semali mboleko kule meko? Mhlawumbi akunjalo. Amanani aya kuhlala efana, kwaye inzala ebhankini, leyo, ngaphezu koko, iya kuba enkulu ngenxa yentlekele, iya kufuneka ihlawule.

Nangona kunjalo, kunengqiqo ukwenza indawo yokuhlala ngekhredithi xa kwenzeka ukuba umntu uqeshe izindlu, kwaye inani elindelekileyo lokuhlawulwa liza kuba lilingana nezindleko zokuqashisa. Nangona kunjalo, olu khetho lucinga ukuba ummi unomlinganiselo obalulekileyo kwi-installment yokuqala ye-mortgage. Kwaye kulo mzekelo, mhlawumbi kunenzuzo ukuyibeka njengediphozithi, fumana inzala, ngenxa yoko, ukuhlawula indawo yokuhlala. Amanye amabhanki ngoku anikezela ukukhupha igalelo le-20% ngonyaka okanye ngaphezulu. Oku kubangelwe, ngokuchasene nabahlalutyi, ngokunyuka kwinqanaba lokunciphisa iBhanki Ephakathi, eDisemba yafikelela kuma-17%. Ukuba sithatha njengesiseko imeko ekhankanywe ngasentla, ukusuka kwinjongo yokutshala imali, idiphozithi iya kubonakala inenzuzo ngaphezu kokutshala imali kwindlu - akunakwenzeka ukuba, kule meko, iya kuphakama ngentengo nge-20% ngonyaka, ibe enye inomlinganiselo ofanayo, ngelixa kunjalo Idiphozithi inzala ibalwa yibhanki ekuqhubela phambili.

Isimo sesibini sibonisa ukuba ixabiso lepropati liya kuphakama. Oku kuya kuqhagamshelaniswa, okokuqala, ngeenkqubo zokunyuka kwamanani. Kulindeleke, umzekelo, ukuba ngokushwankathela iziphumo zophuhliso loqoqosho ngo-2014, inani elifanayo liza kudlulela i-11%. Nangona imfuno kwiimarike zezindlu ezingenayo iyanelisekile, iingcali zikholelwa, ukwanda kweendleko zendlu, ngokubanzi, kunokulindelwa ngokulingana nokunyuka kwamaxabiso. Ngaba kufanelekile ukuthatha imali yangoku, xa sijonga le meko?

Kubonakala ukuba, iinjongo zokuthenga umthengi kulo mzekelo apha kuya kuba malunga nolu hlobo kwimeko yokuqala. Oko kukuthi, ungathatha imali mboleko kwihostela, ukuba ngelixa iqondo lezindlu lihoxiswa, kwaye iintlawulo zenzalo ziya kuba zifana okanye zingabi zikhulu kunokuba ziqeshwe. Okanye wenze idiphozithi kwimali eqokelelelwe kwinkokhelo yokuqala, fumana inzala kunye neendleko zalo, hlawula irenti.

Isimo sesithathu sibandakanya ukwehla kwamanani entlu. Oku kuya kuba ngenxa yokungalingani okwenzekayo phakathi kokunikezelwa kunye neemfuno kwiimarike, ezinokufudumala kukuba kwiminyaka yakutshanje inani elitsha lezakhiwo ezintsha liye laziswa eRashiya. Nangona inxalenye ebalulekileyo yezindlu ezakhiwe phantsi kwezi projekthi zilingana, kodwa ipesenteji ezibonakalayo ziya kuthi zithengiswe ngexabiso lentengiso okanye, umzekelo, ukuthengisa. Oku kungadala, njengoko abanye bezoqoqosho bekholelwa, ukubonelelwa ngokugqithiseleyo kwimakethe yezindlu.

Mhlawumbi, ukuba uyayilandela le meko, akunakucingca ukuba uzibuze ukuba kulungile ukuthatha imali yangoku. Ewe, le nto ayiyi kuba yinto ekhethekileyo. Ukuba ngumbuzo wokukhangela utyalo-mali olulungileyo kunakho ukuhlawula iifomethi. Ukuba kukho imfuno yezindlu, kungcono ukuqesha, ngokukodwa njengoko iirhafu ezihambelana nazo ziyancipha emva kokuthengwa nokuthengiswa kwecandelo.

Izinto zihambelana

Ewe, imicimbi nganye kwiimarike zendawo yangaphandle ixhomekeka kwiimeko kwiibhanki, kwaye kwinqanaba le-solvency yabemi. Ngako oko, sinokuthi ukuba ezi zichazwe ngasentla zichaphazela ngokuthe ngqo imarike yezindlu, kunye nayiphi na enye. Ngexesha elifanayo, iingcali zikholelwa ukuba iindlela zokuthengisa iimfuno - ukunikezelwa kunye neemfuno- zenziwa phantsi kwefuthe lezinto ezikhankanyiweyo kumlinganiselo othile. Iimpawu zibaluleke kakhulu, zibonakalisa imfuno yangempela yamaRashiya kulezi okanye ezinye iindidi zezindlu, ngokuqwalasela impembelelo yeenkqubo zokufuduka, ukutshintsha kwezobugcisa bokwakhiwa kwamafulethi, njl njl.

Iqondo lezinga lokutshintshwa kweDola

Ezinye iingcali, kunjalo, zijonga ukuba zivumelekile ukuba zichazwe kwakhona kwimeko yesine, ezithatha ukwanda okukhulu kwixabiso lempahla ngenxa yempembelelo yendlela ekhethekileyo, ngendlela ethile. Njengoko uyazi, isantya se dollar senyukela kwi-ruble ngo-2014 phantse kabini. Nangona kunjalo, ininzi yeemali zamanye amazwe athuthukayo, kuquka amazwe ase-CIS, awazange awele kwixabiso kuMerika. Ngenxa yoko, umvuzo omyinge kwiidola eRashiya kwaye, kuthi, eKazakhstan, uye waqhekeza, mhlawumbi, mhlawumbi, uye waba ngaphantsi kwelo lusekwe kwilizwe elingummelwane. Ngenxa yoko, amafulethi aseRashiya ngokwemigaqo, athi, iKazakh inxalenye yamacandelo amaninzi kakhulu kunabamelwane bawo. Abemi baseKazakhstan bagcina beza eRashiya baza bathenge izindlu apha. Le ndlela, njengoko abanye bezoqoqosho becebisa, banokuqhubeka, kwaye banokuqinisa ngenxa yomsebenzi ofanayo wabemi bamazwe angamakhelwane - iBelarus, Azerbaijan, i-Baltic, ebizwa ngeChina. Oku kunokwenza umgangatho othile ukufudumala imfuno ye-real estate kwaye kubangele ukwanda kwexabiso kumadayimandla angaphezu kwexabiso lentengo.

Mhlawumbi umntu kufuneka afunde, athathe isigqibo sokuba athathe imali yokuthenga imali, iingcamango zengcali malunga nesine imeko, kodwa kuphela xa ehlala kwisixeko somda. Oko kukuthi, olu khetho lunokubanjelwa kwinani lalapha.

Izigqibo

Ngaloo ndlela, siye sachonga izinto eziphambili ezithe zenze iimeko zengxaki kwiimarike zendawo yokuhlala, kwaye zihlolisise iziganeko eziphambili, ukufundisisa okuza kusenza sikwazi ukubona ukuba kuyafaneleka ukuthatha umboleko wendawo yokuhlala kwiimeko zorhwebo namhlanje.

Masizame ukushwankathela. Ngoko, kwiimarike zenkxaso-mali yebhanki. Amabhanki, nakuyo yonke inokwenzeka, abayi kukwazi ukukhupha imali-mboleko ngezenzo ezenzileyo kwiminyaka edlulileyo, kunye nemimiselo efanayo kwintlalo. Ababoleki, ngokubhekiselele, abayi kuba nexesha elifanelekileyo lokuhlawula imali. Isiphumo sincipha kwimfuno. Isizathu seengxaki zebhanki imeko yezopolitiko. Ngoko ke, kuxhomekeke ekubeni kungafanelekile ukuthatha i-mortgage ngoku, xa izigwebo ze-EU kunye ne-US zisetyenziselwa ukulwa neRussia, mhlawumbi sithetha ukuba akukho. Kubalulekile ukulinda de imeko imeko yebhanki igxininise, iya kufumana imithombo emitsha yemboleko yokuhlawula iimbopheleleko ezikhoyo, okanye ziya kuncedwa nguRhulumente.

Isibini sesibini esinokuchaphazela isigqibo malunga nokuba uthathe i-mortgage kwangoku imeko yerhwebo leRashiya. Abuchule beziseko bahlula iziganeko ezintathu. Oku kukuzinzisa kwamaxabiso, ukukhula kwabo okuncinci, ngokulingana nokunyuka kwamaxabiso, okanye ukuncipha. Okanye, ukuba umntu uhlala edolophini yomda, ezinye zanda kwiindleko zezindlu.

Ngaba kufanelekile ukuthatha imali? Iingxaki kunye neqhinga le sigqibo ngokumalunga neemeko zemarike zangoku zicacile. Phakathi kwezihlandlo ezintle-ithuba lokutshala imali, ukuba imfuno ezayo izayo iya kukhula. AbaQoqosho, ngelixa bebona ubunzulu obunzulu beengxaki ezikhoyo, kholelwa ukuba imeko iya kuphucula kwikamva elibonakalayo-ngenxa yokubuya kwamanani eoli, ukungena endaweni, ukuhlukahluka koqoqosho lwelizwe. Kwakhona, utyalo-mali kwi-estate, ubuncinane, kuya kuqinisekisa ukhuseleko lwentengo-mali ngokumalunga nokunyuka kwamaxabiso. Phakathi kwamacala ombi wesigqibo sokuthenga izindlu-amathuba okuwa kwamaxabiso okanye ukungabi naso kokukhula kwawo kuphezulu. Akukho nanye okanye enye ayiyi kuba luncedo kumthengi wezindlu. Kwakhona, kunokwenzeka, ngeli nqanaba, iibhanki aziyi kuba nako ukubonelela ngemboleko enomdla.