Ukususa isiSwahili of mortgage Sberbank: amaxwebhu, imihla, ncomo

abathengi Bank ukuba kunye nezivumelwano zokubambisa babe abanini indawo yabo yokuhlala, ethengelwe imali mboleko, kodwa ilifa lokwenene ibekwa umthwalo. Umnini propati na mboleki, kodwa hayi zonke iintengiselwano oko kwenziwa ngaphandle ebhankini. Emva kokuba kuhlawulwe ityala uphakanyiselwa imithwalo kwi mboleko. Savings Bank, njengezinye amaziko, inikeza ukwenza le nkqubo efanelekileyo.

ngenkokhelo yokugcina

Ukuba ukuhlawula imali-mboleko kunzima kakhulu. Kufuneka kukhunjulwe malunga nomhla wentlawulo, ukuze babhalise prosrochnikov kuluhlu. Kodwa emva kokuba a lot of kweentlawulo isekhona ngomhla izavenge lokugqibela. Emva koko ekuseni kakhulu ukuze ukhululeke. Ukuze sibe umnini ngokupheleleyo obunawo yokwenene kufuneka kuqale kususwe encumbrances kwi-mboleko. Savings yale nkqubo ayikho eyahlukileyo kakhulu kwezinye amaziko ngetyala.

ukuba nombono

IsiSwahili ibandakanya isethi iimeko ezithintela izenzo, umnini propati. Umzekelo, kuya kuba nzima ukuba athengise endlini ukuze aphumeze exchange, ezinjenge okanye ubhalise izalamane. Yitsale ivele, kodwa kuphela ngemvume ebhaliweyo ebhankini, nto leyo eso pledgee. Kuyo evula bona akuvumelekanga, kumiselwe kwisivumelwano.

Kwanokuba ekwenzeni intlawulo lokugqibela akuthethi ngokuzenzekelayo kungakhokelela okukunyusa kwezithintelo ukuya kwindawo ophilayo. Ukususwa encumbrances ukusuka igumbi mortgage Sberbank lingasebenzi ngokwabo. Ukuze benze oku, umthengi kufuneka uqhagamshelane igunya yobhaliso ingxelo. Ngawaphi amaxwebhu afunekayo, kufuneka zicaciswe Rosreestra. Ukuba umthwalo singesuki ngexesha, iba sizathu kobunzima kwixesha elizayo. Ngokomzekelo, xa ekuthengisweni indawo, abaninzi bayavuma ukuba bathenge izindlu ezinjalo.

imiqulu

Inkqubo zokususwa encumbrances ukusuka kwigumbi mortgage kwenziwa ngokungqinelana nemigaqo ezisekiweyo Savings Bank. Ukuba wenza intlawulo lokugqibela kwibhanki kufuneka athathe isiqinisekiso akukho tyala. Phofu ke emva kweentsuku ezi-3 kwaye simahla. Olu xwebhu ayikho ezibophelelayo, kodwa kungcono ukuba. Kukho iimeko apho kukho miscalculation kwi Bill idenariyo yetyala. Emva koko afumane inzala, izohlwayo, ngenxa yokuba yintoni na lomxhasi abe prosrochnikom.

Yamkela amaxwebhu ukuze kususwe encumbrances kwi Rosreestr yemali. Sberbank uya kunika isiqinisekiso akukho tyala. La maxwebhu alandelayo kufuneka uqokelele:

1. Ileta evela ebhankini engqina ukungabikho inzaliseko nezibophelelo phantsi isivumelwano. Ngamanye amaxesha kuye kufuneke ukuba umntu anike ingxelo akhawunti mboleko.
2. Isibhengezo zamaqela, isayinwe ize ingqinisiswe abasebenzi yebhanki leyo. isampula wakhe zingafumaneka ebhankini okanye Companies House.
3. Isivumelwano Mortgage ikopi yayo.
4. Original kunye nekopi ye-mortgage, nto leyo ibonisa indlela yokwenza izibophelelo, kwakunye umhla nokuvuthwa echongiweyo.
5. Zokundwendwela abantu echazwe kwisiqinisekiso ubumnini. Bona buqu kufuneka ngexesha lesicelo.
6. Isatifiketi kobunini.
7. Yesiqinisekiso sentlawulo emsebenzini karhulumente.
8. Isigqibo senkundla, ukuba isivumelwano sokubambisa iye Uyekile ukwenza kuyo.

Uluhlu ngqo maxwebhu afumaneka kwi igunya yobhaliso kwindawo ahlala kuyo. Kwingingqi nganye, kusetyenziswa imiqathango ezahlukeneyo. Ngokususa le Rosreestr isiSwahili yemali. Amaxwebhu Savings Bank inikeza ukuya kunikezela ngoko nangoko emva kokuba kuhlawulwe ityala inkqubo lwaqhutywa kwangexesha.

isicelo

Inyathelo elibalulekileyo kukuba ubhale ingxelo. Lalathe lwazi ezifana:

• ulwazi lobuqu malunga nomnini;
• igama, iinkcukacha zoqhagamshelwano;
• data mboleko;
• ulwazi malunga ukungabikho yezibophelelo macala;
• isicelo sokususwa encumbrances.

Kwenza ingxelo kuxwebhu lwe A4.

Iinketho Uxwebhu uMondli

Apho kususwe encumbrances kwi mortgage? Savings Bank inika abathengi uqhagamshelane Rosreestr. Kuphela oko kunokwenziwa ngeendlela ezininzi. Inguqulelo standard kuthathwa ukuba olithandayo kwi-Federal Service of State Registration. Kulo mzekelo, akukho abalamleli, izenzo olwenziwe ngumxhasi buqu okanye abameli yebhanki.

Thumela ngeposi amaxwebhu ingaba incwadi exabisekileyo. Utyikityo kwi zicelo ziya zingqinwe izivumelwano, kodwa myalezo ithunyelwe kuluhlu neziqulatho isaziso irisithi. Kodwa olu khetho kuya kuthatha ixesha elide - utyelelo ukuba uligqwetha, imvelaphi ukuthunyelwa. Sekunjalo ukufumana ubungqina elitsha ukuba buqu.

Ngaba enze kususwe encumbrances kwi mortgage Sberbank kwi 's MFC. Le mibutho basebenza kwizixeko ezininzi, kwiinkonzo zoluntu ezahlukeneyo. Okokuqala, amaziko badalwa ukuba lula iinkqubo ukugcwalisa ezahlukeneyo izicelo nokunciphisa nemihla. Kodwa xa kusenziwa ayikhangeleki kulungile. Ebekiweyo yandiswe ngenxa yokuba ekuthutheni amaxwebhu ababandakanyekayo yikhuriya.

Kukho nezinye iindlela zokwenza kususwe encumbrances kwi-mboleko. Savings Bank inikeza ukusebenzisa lula ukhetho - Internet. Kufuneka isicelo nge website iinkonzo zikaRhulumente.

Kuyenzeka nangoku ukuba iqalise le nkqubo ngoncedo realtors kunye neearhente enze iinkonzo ezinjalo. Benza wonke umsebenzi, kodwa akuyi kuba simahla.

baziphendulele

Ngamanye amaxesha ukususwa imithwalo ayikwazi ukuba kwenziwe ngemvume ukuyithenga, kwaye ke ngoko zonke kwenziwa ngokusebenzisa iinkundla. Oku kuya kuba njalo ukuba:

• bank ezivaliweyo;
• wanyamalala izihlwele;
• eyonwabisayo akafuni ukususa isiSwahili ngokuzithandela;
• umboleki ifile.

Kule meko, kufuneka ukunika isivumelwano enkundleni, iitsheki, amaxwebhu kwilifa. Ke ngoko le nkqubo iya kuhlala ixesha elide. Oku kuya kushiya ukufaka ibango enkundleni, yaye emva koko kuya ihlele intlanganiso. Ukuba inkundla yakhupha isigqibo esifanelekileyo, kuyimfuneko ukuba alinde yokungena wayo force. Emva koko kwi-Companies House ukuba isicelo sokususwa le ndedwa ubunzima kunye nesigqibo senkundla.

Le nkqubo ukuze

Inkqubo sokususwa encumbrances kwi mortgage esiqhutywa ngokusekelwe manyathelo alandelayo kwi-Savings Bank:

1. Ukufumana amaxwebhu bank. Kufuneka sithathe uqobo lwazo uze wenze iikopi eziyimfuneko.
2. Intlawulo komsebenzi karhulumente.
3. Ukungena i kumngcelele electronic Rosreestra.
4. Intlanganiso umsebenzi ebhankini, samenza isicelo sokususwa encumbrances.
5. Fumana iirisithi evela zincwadi malunga ulwamkelo amaxwebhu.
6. Ngomhla omiselwe ukutyelela Companies House ufumane amaxwebhu ukuze uphakamise imithwalo.

Iza kwenzeka nini ukususwa encumbrances kwi-mboleko kwi-Savings Bank? Ukuphonononga zibonisa ukuba kuthatha malunga nyanga, kodwa kufunwa anababini. Yenza le nkqubo kufuneka ibe ngoko nangoko emva kokuhlawula ematyaleni, kuba ukuba kwixesha elizayo apho kuya kubakho ubunzima kunye imicimbi real estate. Inkqubo yokususa isiSwahili of mortgage Sberbank kuyafana nakwezinye imibutho.

ngokoMthetho

Kubalulekile ukwenza nokususwa kwangethuba encumbrances kwi-mboleko kwi-Savings Bank. Imihla ezibekelwe inkqubo sicatshulwa esisinyanzelo. Kunqweneleka ukuba isicelo ebhankini inyanga phambi kokuba kuvalwe izicwangciso kwekhontrakthi. Eli xesha kwanele ukuba ulwabiwo, ubhaliso amaxwebhu ayimfuneko kunye nabanye umsebenzi.

Xa kwakukho ubalo lwephepha kwaye kwafakwa Rosreestr, emveni koku ebalaseleyo kwiintsuku ezi-3 ukwenza iirekhodi intlawulo yemali. Ngoko ke, asinakuba libaziseko. Oku kusebenza kwiimeko apho inkqubo lwenziwa yi umboleki ngokwabo. Yazisa ingxelo imfuneko kwiRejista State emanyeneyo.

Ukuba akukho manyathelo athathiweyo, kodwa nje isicelo ebhankini, kufuneka ukuba ulinde iintsuku ezingama-45 de umthwalo akasayi uzakususwa mboleki yangaphambili. Kule nkqubo oluzenzekelayo, luthe lwancothulwa ekupheleni wobomi mortgage, isivumelwano Rosreestra kunye yibhanki kunye umgwebo.

Kungathatha iinyanga 3. Ngoko ke, ukuba isicelo akuthethi bangenise naziphi na ummeli yebhanki okanye umxhasi, ukususwa oluzenzekelayo encumbrances kwenzeka kwisithuba seenyanga ezi-3.

Kufuneka phezu 3 iminyaka yangaphambili kubaboleki ukugcina iingxelo, iirisithi, iintlawulo, kunye namanye amaxwebhu anxulumene ebhankini. Eli xesha lilinganiselwa, apho kuyimfuneko ukuba silinde ukuba atshabalalise amaxwebhu mboleko. Emva kokwenza utshintsho Rosreestra umthengi ingadala kule amaxwebhu umzimba itayitile izindlu ethengiweyo, leyo kuphawula ebhankini. Kodwa le nkonzo ehlawulwe - kufuneka ahlawule umrhumo kukarhulumente.

Ukuthengiswa kwempahla

Kubalulekile ukwazi ukuba athengise ngayo indlu, kwanokuba phantsi umthwalo yebhanki. Oku kwenzeka xa lo mboleki akakwazi ukuhlawula okanye ubunzima ekuhlawuleni imali-mboleko, ngenxa yokuba oko iba yindawo kokuvela yebhanki. Ukuhlawula imali-mboleko, ipropati kufuneka kuthengiswa kwaye inzuzo kusetyenziselwa ukuhlawula ityala. Umntu uhlala ezinye imali.

Ngokuzimela ukwenza ukuthengisa impahla yokwenene iya kuba nzima, njengoko ibhanki ihlola zonke iintengiselwano, apho ubolekayo izama ukuzalisekisa isithembiso. Kwakhona ukuthengiswa kubalulekile ukuba le into ibe phantsi isiSwahili. Ngoko ke, lo intengiselwano enokwenziwa ngokwemvume ebhankini.

Umthengi kufuneka athathe isiqinisekiso kwiRejista State elidityanisiweyo ngokwexabiso setyala yemali. Kudingeka ukuba ukwazi kangakanani okuseleyo ukuhlawula imali mboleko. Ukuziqhelisa, ukususwa encumbrances kwenzeka iinyanga 2. Kodwa iibhanki Singalibazisa ixesha. Le nkqubo ngokwayo ilula, kufuneka kuphela lugqithe ngendlela ngexesha.

sokuxazulula iimbambano

Ngokuqhelekileyo, ukususwa encumbrances kuthatha ixesha elide ngaphezu mortgages. Isizathu soku itsheki ngokucokisekileyo amagosa mboleko ukuba bonke bekhutshiwe ihlawulwe yi kubaboleki. Kodwa kusenokuba ngenxa amanyathelo technical, ubonelela kolawulo uze uguqule amalungelo kwirejistri.

Amaxesha amaninzi ezi meko kuthi yaye kwiinyanga ezi-2 emva kokuba yokuvala isivumelwano engena elumkisa ngemfuneko ahlawule isixa esithile. Ukuba kukho imfuneko yokuba uqhagamshelane ibhanki kunye noqeqesha isatifikethi ukuhlawula ityala. Oku kuphela yimpazamo yobuchwephetshe , okanye ukungakhathali kwabantu.

accrual of interest

Kukho iimeko apho umxhasi engahlawulanga ngendlela ngexesha nayiphi na intlawulo, kwaye kwakukho isohlwayo, ethe na ihlawulwe. Kwiimeko ezinjalo rhoqo, ngoko ukuba sikulungele. Ukuba ibhanki leyo ethe ngokusemthethweni ityala, kuhle ukuba mawuhlawule ngokuvala ngokupheleleyo-mboleko. Kukho abaxhasi abathi kwizihlandlo ezinjalo, ukwala ukuhlawula imali. Ke ibhanki iya enkundleni, nto leyo eya kwenza isigqibo kwityala lakhe. Kunye abathengi kufuneka nje ukuhlawula imali echongiweyo.

Xa umthwalo waphakamisa, umnini welifa lokwenene iba umnini ngokupheleleyo. Ngoko ke, ukuba unako ukwenza imicimbi ezahlukeneyo ezifana nokuthengisa, utshintshiselwano, ingqesho. Kwaye bonke baya kwenziwa ngokusemthethweni.