Phezulu oko ubudala ukunika mortgage kwi indlu? Nokuthathelwa indawo abadala

Ukuba ufuna ukuthenga indlu okanye ikhefu ekhaya ngoku, kodwa i imali eyaneleyo imali, ngaba unayo indlela enye kuphela --mboleko. De yintoni yobudala inikwa kwi "Savings Bank" kunye namanye amaziko zemali mboleko? Yaye ngaba kunokwenzeka ukuba iphupha lakhe, nokuba emva komhlala-phantsi?

Kweli nqaku siza kuzama ukuphendula le mibuzo neminye. Ngoko ke, ukuba nani Andazi iminyaka ukunika mortgage phezu kwendlu, funda ngenyameko.

Kutheni yobudala ichaphazela mortgage

Okokuqala, makhe sithethe kutheni kweminyaka kulo mbandela obaluleke kangaka iibhanki.

Xa ucinga ngokuthenga amakhaya abo ngamnye endleleni yakhe ngamaxesha ahlukeneyo. Umntu ukulungele kwenye indawo ephezulu abantwana okanye wenze isipho abazukulwana bakhe. Kwaye umntu ugqiba nokuba ebudaleni bakhe ukuphucula iimeko zabo zokuphila yaye ukuba aphile intuthuzelo. Enoba siyintoni na isizathu, isisombululo omhle kwiziko zemali okukhupha mortgage iya kuxhomekeka ikakhulu kwinqanaba okulindelekileyo mali lomthengi kule minyaka 10-20 ezayo. Oku kuyaqondakala. Ngapha koko, le mortgage kufuna kakhulu eninzi kakhulu, kwaye ke ixesha intlawulo Wasolula ngoko amaxesha ukusa kwinkulungwane yesine.

Ngokubanzi, i umda ubudala kunikezelo mortgage iseti eneminyaka 18-60 (55). Kodwa loo nto ezinxulumene abathengi abakubudala awahlukeneyo abasebenzi ebhankini ukuba ingacaci kakhulu.

Iminyaka yobudala kakhulu ngokufumana mortgage kuthathwa ukuba ibe yiminyaka 35-45. Yaba ngeli xesha ebomini bakhe, umntu ufikelela isikhundla oluzinzileyo mali, eli ukwakha umsebenzi. Kukho iminyaka basebaninzi ukuphuhlisa ukwanelisa iminqweno yabo. Yaye yonke imizamo ijoliswe ekuphuculeni iimeko kunye nomgangatho wobomi.

Emva kweminyaka engamashumi amahlanu yobomi bomntu liqala ukuba ikhule ibe imingcipheko ethile. Oku kucacisa impendulo yombuzo oko ubudala ukunika-mboleko. Okokuqala, ngokukhawuleza ehlabathini kwixesha lomhlala phantsi, yaye, ke ngoko, mhlawumbi ilahleko umsebenzi. Basengozini enkulu ukukhubazeka ngenxa yokugula yokukhubazeka. Kwakhona, akukho mfihlakalo ukuba intsebenzo ukufa zendalo emva kweminyaka 60 bokubhabha. Ezi kunye nezinye izizathu, iibhanki banyanzeleka ukuba zilandele ngqo le elilelona liphezulu kwiqondo kweminyaka ye-mboleko mboleko.

Phezulu ukuba yintoni ubudala uyakwazi ukufumana imali-mboleko?

Ngokuqhelekileyo, kunye umhlalaphantsi umntu ulahlekelwa imithombo ezongezelelweyo yengeniso uphelile umsebenzi. Ngoko ke, ukuba imizi egcina imali, ngexesha abanye eyenza ikufanele umntu kufuneka ahlawule le mboleko yemali ekhoyo. Ngokokude ekubaleni kweentlawulo rhoqo, umbolekisi ufuna ukugcina lingekapheli ixesha ukususela ngexesha lobhaliso naphambi ilixa "X". Xa practice, oku kuthetha ukuba lo gama mboleko iye inyusa kunciphisa njengoko ukwanda ubudala mboleki.

Nanku umzekelo:

Amaziko Financial zinika nezivumelwano zokubambisa iminyaka ukuya ku-25. Kuba mboleko ajike indoda eneminyaka engama-50 ubudala. Ekubeni kuhlala de umhlalaphantsi ukuba asebenze eminye iminyaka eli-10, elona xesha lininzi apho mboleko leyo kugqitywe kunokwenzeka kuba kwiminyaka eli-10 kuphela ubudala. Kakade ke, kulo mzekelo, isixa sentlawulo yenyanga ukuba isixa icocekile, kwaye kuya kufuneka ukuba ube nengeniso eyaneleyo ukumelana umthwalo ngokwezimali.

Noko ke, maxa, iibhanki benza iminyinyiva. Ukuba isigulane iimbekiselo ezibalaseleyo, kwinqanaba eliphezulu lomvuzo, ithuba lokuba bameme intsebenziswano kubaboleki kule mvumelwano okanye ukunika lo wammela elungileyo, umbolekisi angaya kumkhawulela kunye kancinane ukwandisa mortgage yokubolekisa. Noko ke, ukwanda okunjalo akufane iminyaka engaphezu kwama-5-6.

Mortgage lokubolekisa emva kweminyaka 40

Nangona into yokuba iibhanki ziyivela kakhulu kwiminyaka umboleki, mortgages kuba abadala isekhona kunokwenzeka. Amanye amaziko zemali nokuphuhlisa iinkqubo ezizodwa ngetyala, ukuvumela ukuba akhuphe mboleko yezindlu ukuya kwiminyaka engama-20. Kulo mzekelo abaninzi bahlala bebeka phambili imeko ukuba ngexesha intlawulo epheleleyo mboleki mawungabi ngaphezu kwe-75 iminyaka.

Thatha inxaxheba kule program mboleko bonke abemi kwixesha lomhlala phantsi. Kukho iindlela ezininzi nga oluza nefuthe isigqibo ibhanki ukuba okunikezela mboleko. Nokuthathelwa indawo abadala kungenzeka kakhulu kwiimeko ezinjalo:

1. Umboleki ukuba kuqhubeka ukusebenza nasemva umhlala-phantsi wakho. umthombo isigxina imali eyongezelelweyo efunekayo ukwandisa amathuba emehlweni endodeni.
2. Umntu lo kobudlelwane usapho, akukho bantwana abancinane, kunye neendidi ezahlukeneyo yokuxhomekeka. Banks bakhetha ezitshatileyo, abantu abangatshatanga. Eneneni, kulo mzekelo, ingeniso iyonke yentsapho kakuhle kakhulu, kwaye ke ngoko kunciphisa ingozi kwemali emiselweyo.
3. Pensioner ibamba kubumnini indawo, ukhuseleko olwaneleyo eyongezelelweyo yemali mboleko. Ukuba ukunikwa izibambiso kuya kuba amatyala phezulu, lowo udla umhlala-kuphela nako ukukhupha mortgages, kodwa banelungelo iimeko zivuma ngetyala.
4. Ubudala umboleki umhlala okunokutsalela ngayo inani elaneleyo guarantors wesinyibilikisi (co-ababoleka imali). Amaninzi, "siqinisekiso" ezinjalo abantwana, abazukulwana okanye ezinye izalamane. Ngaphezu koko, ubukho nomini kulo mzekelo kukho unxibelelwano. Oku kungenxa yokuba kwimeko yokufa ngembopheleleko yomboleki ukuhlawula imali-mboleko kumququzeleli-nye umnikimali nomamkelimali.

Ukongeza, waba ngummeli wowona ulungileyo kufuneka nabo iimpawu ezithile:

• kuba yokusebenza ubudala;
• ube imbali elungileyo ngetyala;
• ukuqinisekisa izinga eliphezulu yokuhlawula amatyala.

Iibhanki kunye umhlala

Ngokomzekelo, makhe sijonge oko ubudala ukunika mortgage phezu kwendlu kwimigangatho eyahlukeneyo eRashiya.

Iimfuno kakhulu engqongqo yenzelwe yobudala "Alfa Bank." Kusenokubakho ukukhupha mortgage kwimeko ngexesha lokuvuthwa layo umboleki ujika iminyaka 54-59 (kwabasetyhini kunye namadoda, ngokulandelelana).

Ukuya kutsho kwiminyaka 55 (abafazi) kunye neminyaka engama-60 (abantu) abakulungeleyo ukulinda kwi "Rosbank", "Metallinvestbank" yaye "Bank of eMoscow".

Standard engama-65 ubudala - le kweminyaka kuba ubhaliso kwi mortgage kwi "Uralsib", "Expert Bank", "IBC", "uNico Bank", "CSC", kunye namanye amaziko zemali. Oko kukuthi, ukuba kufuneka zigcwaliswe kangakanani ukuya mzuzu xa i-akhawunti zokuhlala yeziko yesikweliti, aya kwenza intlawulo lokugqibela kwi-mboleko.

Abaqotho kakhulu kule nkalo, "VTB 24" yaye "Savings Bank". Xa uzimisele yokuqala ukulinda de engama-70 umboleki, kwaye elinesibini de Wajika 75.

Apho enye ongathanda umhlalaphansi

Kwaye unike mortgages kwezinye kwiibhanki ukuya oko ubudala? Phakathi inani elikhulu zamaziko zemali kunye namatyala, mortgage lokubolekisa ekhoyo abadala, ingakumbi kwezi:

• "Gazprombank";
• "Bank Agricultural";
• "Admiralty";
• "TCB" kunye nabanye.

ukuya phi, kuxhomekeke kuwe. Ukuba kungaliwa zebhanki mnye, akukho mntu unako ningabaleli ukuba uqhagamshelane enye.

Nokuthathelwa indawo kwi "Savings Bank"

Makhe sihlolisise imiqathango mortgage umhlala kwi "Savings Bank". Apha abantu abadala kukho iintlobo ezininzi iinkqubo:

• iminyaka 55/60 kwabasetyhini kunye namadoda, ngokulandelelana - mboleko ukhetho mortgage ngenkxaso karhulumente;
• iminyaka 45 - in nezivumelwano zokubambisa kwi projekthi umkhosi;
• iminyaka 75 - iprogram ibonelela ukwakhiwa indlu lizwe, kwakunye yokuthenga izindlu kwizakhiwo ezitsha okanye kwimarike ezizisekondari.

Phakathi kwezinye izicwangciso ibalaselisa iingongoma ezimbini: umvuzo kunye nenkonzo ngokuqhubekayo umsebenzi. Ngokusekelwe kwinqanaba yengeniso aggregate ixhomekeke kwimali-mboleko, ixesha layo kunye nemfuneko mali olongezelelweyo. Ise lukhangelwa uzinzo kunye nokuqhubekeka.

Kuzo zonke iinkqubo, izinga lenzala kwi "Savings Bank" omi phezu kwinqanaba elinye kunye yi 12,5%.

Indlela ukuba umhlalaphantsi?

Ukuba awuyazi into iminyaka ukunika mortgage ngendlela enye okanye kwelinye iziko zemali, indlela iqinisekileyo - nje ukuba isicelo. Nokuba ubudala bakho lukwaveza iinkxalabo, mhlawumbi uya kufundiswa iindlela ubuncinane ezimbini ngaphandle le meko:

• iqalise le nkqubo, nto leyo ithetha ukuba akunakho ukuyibuyisa le mortgage emva umhlala-phantsi;
• wacela ukuba akhuphe isivumelwano eqhelekileyo ukuba inani leminyaka uphumile phambi kokuba ilixa tshembisiweke.

Xa abanye babo ukuba bahlale ekupheleni - nto ngokuqinisekileyo nawe. Kodwa ngaba ngokwenene ufuna-mboleko? Umda yobudala akayi kuba xihinga kuphela kulungiselelo yayo. iimeko Credit for kubaboleki abadala zahluke oko kufundiswa namathole

• elide mboleko ungaphezulu abafane ngaphezu kweminyaka eli-15;
• imali yokuqala idla banda 20-25%.

Ukongeza, uya kusoloko kucelwa ukuba inshorensi ubomi kunye nempilo. Kodwa ke iindleko-nkqubo uya kuvuka igoduke masilivakalise yobudala bakho. Ngoko xa sukuba usenza mboleko sokubambisa kwiminyaka oqolileyo kufuneka ahlole "kwizazi" kunye "bawo." Kusenokwenzeka ukuba iingxoxo ezimbi kuya kuba ngakumbi, kwaye abakhetha ukuzilungiselela indawo mortgage ukuba ilungu losapho oselula.