Ukuxhaswa kwemali, i-Gazprombank: ukuphononongwa

I-Mortgage iye yaba enye yeentlobo zemali-mboleko, apho ungathenga khona ikhaya lakho. Namhlanje, phantse onke amaziko emali anikezela ukukhupha iimali zokugcina imali ngokwemigangatho efanelekileyo, kwaye ukusebenza okunjengokuhlaziywa kwemali yokuthenga imali kwinto eqhelekileyo. I-Gazprombank, phakathi kwabanye, inikezela iimeko ezifanelekileyo zokucwangcisa kunye nezidingo eziba lula kubbolekayo.

Iingcamango ezisisiseko

Ngaphambi kokuqwalasela ukuhlaziywa kwempahla e-Gazprombank, makhe sihlolisise iingcamango ezisisiseko.

Kuyinto yesiko ukuqwalasela umboleko wempahla njengendlela yokubambisa apho umboleki esebenzisa ipropati efungelweyo, kwaye xa kwenzeka ukuba angagqibekanga kumboleki, le propati ingathengiswa njengentlawulo yetyala.

Ukuhlaziywa kwemali kubhekiselele ekuvalweni okupheleleyo okanye okukodwa kwemboleko ngokufumana imali mboleko entsha. Inkqubo enikezelweyo ingasetyenziswa xa kukho utshintsho lweemeko zemarike, kwaye iyancipha kwi-solvency yomboleki.

Eyona ndlela ikhethekileyo kukuba kulungiswe ukuthenga imali kwiGazprombank. Ukuphonononga malunga nabo baninzi kuphela ababolekileyo, ababolekisi abaninzi banelisekile ngemigqaliselo yemboleko kunye neenkonzo zebhanki.

Iimeko

I-Gazprombank ihlaziya imali yokubanjiswa kwemali ngokwemiqathango elandelayo:

• Ukubolekwa kwemali kunikwe iminyaka engama-30 okanye ngaphezulu.
• Imali mboleko ngokwayo yipropati ngokwayo.
• Imboleko ephantsi kwenkqubo ikhutshwe kwisixa sama-ruble angama-600. Ukufikelela kuma-ruble ezigidi ezingama-45.
• Inzala yemali yokuhlaziya i-12-13%.
• Izinga lokuboleka imali lifikelela kwi-1% xa umntu obolekayo ene-inshurensi yomntu.
• Isicelo sokuhlaziywa kwemali sithathwa njengeentsuku ezingama-7-10.
• Mhlawumbi ukuhlawulwa kwangaphambili kwemali yokuthenga ngaphandle kokufakwa kweefayili kunye nezohlwayo.
• Iintlawulo zenyanga zihlawulwa ngaphezu kweyona ntlawulo encinci efunekayo.
• Ukuhlaziywa kwemali kunokwenziwa kuphela kwi-ruble efanayo, kodwa nakwezinye iirhafu ezahlukeneyo.

IInshshu

Njengaye naziphi na ezinye iimali-mboleko zexesha elide , i-Gazprombank ibuyiselwa imali. Inkampani yomshuwalense oqhotyoshelweyo kunye nokuzithandela.

Ezi ngozi zilandelayo zifakwe kwi-inshorensi enyanzelekileyo:

1. Ukulimala okanye ukulahlekelwa kwepropati engatshintshwayo.
2. Ukupheliswa kobunikazi bokubambisa ixesha elibodwa ngonyaka (kodwa ukuba ipropati ebolekileyo ibanjwe ngumboleka iminyaka engaphezu kwemithathu, le ntlobo ye-inshurensi ayifakwanga).

Intshurensi yokuzithandela iquka oku kulandelayo:

1. Ukufa komboleki okanye ukulahlekelwa ngumsebenzi wakhe.
2. Ingozi.
3. Inshuwalense yePropati

Umhlobiso

Nangona ukungazinzi kwimiba yezoqoqosho, i-Gazprombank ye-mortgage refinancing isebenza ngaphandle kokutshintsha kwehlabathi.

Inkqubo yokuhlaziywa inezigaba ezilandelayo zokubhalisa:

• Ukubhala isicelo kwi-ofisi efanelekileyo yeGazprombank.
• Ukuqokelela kunye nokubonelelwa kwamaxwebhu.
• Ukufumana imvume ebhankini, apho i-mortgage ikhishwe ekuqaleni, ukulungiswa kwakhona.
• Ukudweba nokusayina isivumelwano.
• Ukutshintshwa kweemali kwiakhawunti yokuhlawula umboleki.
• Ukuhlawulwa kwemboleko ebhankini apho kuthengiswa imali.
• Ukukhutshwa kwepropati kwi-link.
• Ukupheliswa kwesivumelwano sesibambiso kunye neGazprombank.

Kukho ukhetho oluya kubakho ukubonelela ngabagcini bamaphepha okanye enye impahla kwiGazprombank. Ukuhlaziywa kwemali yeebhanki kwamanye amabhanki kubantu ngabanye kule meko kunikezelwa ngemigangatho efanelekileyo. Ngamanye amazwi, umboleki unamathuba amaninzi okufumana imali yokuhlawula imali ebhange.

Amaphepha

Kodwa i-Gazprombank, nangona kunjalo, njengamanye amabhanki, idinga amaxwebhu asemgangathweni. Okokuqala, kufuneka ubhale isicelo sokuhlengahlengisa, uvumele ukucwangcisa idatha kunye nokucela imbali yengxelo yemboleko.

Isicelo kufuneka sineenkcukacha ezilandelayo:

1. Iinkcukacha ezipheleleyo zomboleki.
2. Idilesi nenombolo yomnxeba yomenzi wesicelo.
3. Imali yemboleko efunekayo ukuhlawula imali.
4. Ixesha lokubonga.
5. Iinkcukacha malunga neziko lokhuseleko.

Ngokuhambisana nesicelo:

• Uxwebhu olubonisa ubungqina;
• Isatifikethi se-2-NDFL esiqinisekisa ukuthungulwa komboleki;
• Ikopi yencwadi yokurekhoda yomsebenzi;
• Amaphepha e-estate: isatifikethi sokuqinisekisa ilungelo lobunikazi, isiseko sokufumana ipropati;
• Isivumelwano semali-mboleko esenziwe kunye nomthengi wangaphambili;
• Isiqinisekiso seetyala zematyala.

Amanye amaxwebhu afaka:

• Ukufumana imvume ebhaliweyo yomthengi wokuqala ngokuhlaziya umboleko;
• Ukubonelelwa kwezinto ezongezelelweyo okanye u-guarantor;
• Umboleki angenise iimpepha eziqinisekisa ingeniso eyongezelelweyo; Umzekelo, ukuba le ndawo iya kuqeshisa ipropati, kufuneka uhambise iqeshiso.

Ukongeza koku ngasentla, ibhanki ingacela la maxwebhu alandelayo:

• Inombolo yerhafu yomntu ngamnye;
• SNILS;
• Amadokhumenti kwimfundo;
• Amaphepha eqinisekisa isimo somtshato;
• Isatifikethi sokuzalwa somntwana okanye ipasipoti yomntwana ukuba sele sele eneminyaka eyi-14 ubudala;
• Iziqinisekiso zokufa kwabazali, abantwana, iqabane (ukuba kukho);
• Amaphepha angabonisa ukuba khona kwepropathi ehambayo okanye engatshintshwayo.

Imfuno yomboleki

"I-Gazprombank" yokuhlaziywa kwemali yeebhanki yamanye amabhanki awaboneleli bonke abahamba naye. Kubaboleki abafuna ukuxazulula iingxaki zabo zemali, ibhanki yenza iimfuno ezininzi. Oku kubandakanya:

• Ubukho bobuzwe baseRussia;
• Ukuhlala isigxina kummandla weetyala;
• Imbali yeebhanki ezithembekileyo, ukungabikho kobugqwetha ngexesha lokuhlaziya;
• Ukuhlaziywa kwemali ye-mortgage "iGazprombank" izibonelelo kubantu abangaphantsi kweminyaka engama-20 kwaye bengadluli kuneminyaka engama-55 kubafazi kunye neminyaka engama-60 kubayeni;
• Ubukho bemivuzo engapheliyo kunye nokuhlala emsebenzini wokugqibela ubuncinane ubuncinane kweenyanga ezintandathu.

Ingeniso yomntu kufuneka imnike ithuba lokuhlawula ngexesha elifanelekileyo ngeentlawulo zenyanga. Kwimeko yokulibaziseka okanye ukusebenza okungafanelekanga kwebhanki, iintlawulo kunye nezohlwayo zinokufakwa kumboleki.

Ukuba umntu obolekayo unika inkxaso engaphezulu kwimo yepropati okanye enye inqununu, isikhungo semali sinokunyusa iminyaka yobudala emihlanu (kuba abafazi baya kuba yiminyaka engama-60, kuba amadoda aya kuba ngama-65, ngokulandelanayo).

Ukunyanzeliswa kweemfuno kugwetyelwe yinto yokuba ibhanki iqinisekisa ukuzinza kwemali, kwaye kukho imboleko embalwa kakhulu.

Ibango lokwenza imali

Ukuhlaziywa kwemali ye-mortgage "I-Gazprombank" ihamba, ukuba ihlangabezana neemfuno:

• Kuthathwa kwiiruble;
• Uluhlobo lwenkcitho-mboleko-kuphela yintlawulo yemali;
• Ibhalansi yetyala akufanele lidlulele kuma-85% wexabiso lemarike yepropati;
• Ibhalansi yexesha le mboleko ayikho ngaphantsi kweenyanga ezingama-36;
• Ukungabikho kwezizahlulo zangoku.

Iinkonzo kunye neNgqungquthela

Cinga ngeyona nto iphambili kunye nenkunkuma yeprogram, enika iGermprombank. Ukuhlaziywa kwemali mboleko inamalungelo alandelayo:

• Ubunokubhaliswa kunoma yiyiphi enye imali;
• Ixesha elide lokubonga;
• Ukungabikho kwee-commissions ezongezelelweyo ukusuka kwicala lebhanki, kubandakanywa nokugcina i-akhawunti;
• Ukungabikho kwee-commissions ezifihliweyo;
• Ukufumaneka kweentlawulo ezincinci ngaphandle kwemigangatho ephezulu;
• Akukho zihlwayo zokwenza intlawulo enkulu ngenxa yeentlawulo zenyanga;
• Ukukwazi ukuhlawula imali yokuboleka imali ngaphambi kweshedyuli ngaphandle kokuhlawula iintlawulo;
• Unako ukukhupha imali yokubolekisa ngaphandle kokubambisa, ngokunika ibhanki ezininzi iziqinisekiso.

Ixesha elibi liquka ezi zinto zilandelayo:

• Umbolekayo anganqatshwa ukuhlaziywa ukuba umboleko wentlawulo uhlawulwe ngaphantsi kwama-20%.
• Ubukho beemfuno zezindlu zodwa: kufuneka kube yindlu yokuhlala kuphela endlwini entsha. Ngelishwa, ibhanki ayiboni iindawo zokuhlala kwiimarike zesekondari, amagumbi kwindawo yokuhlala, "Khrushchev", njl.
• Ubukho bomshuwalense buchaphazela umyinge wenzala kwimali.
• Uluhlu oluphawulekayo lwamaxwebhu, ukuqinisekiswa okungathabatha kwiinyanga ezintandathu.

Uphononongo

Abathengi bebhanki bathi ntoni ngale nkonzo njengento yokuhlawula imali? Ukuhlaziywa kwe "Gazprombank" kule nkonzo, kunjalo, eyona nto ihlukeneyo. Abantu abaninzi bathanda ukuba iimfuno zabbolekayo azinzima kakhulu. Nangona kunjalo, ukunganeliseki kubangelwa ukuhlaziywa kancinci kwezicelo. Abasebenzi be-Gazprombank banikezelwa iinzuzo ezongezelelweyo zokuhlaziya.

Ngakolunye uhlangothi, ukugxeka ingxaki engaphelelanga yolwazi olunikezelwa kumthengi ekuqaleni. Oko kukuthi, emva kokuhambisa amaxwebhu, kufuneka ukuba iqokelele iingxelo, ezingakhange zikhankanywe ngaphambili. Lo akusiyo umzuzu omnandi, ophazamisa abathengi abaninzi beGazprombank. Nangona kunjalo, inzala ekhangayo yonke le mpazamo iyafa, ngoko ukuhamba kwabaxumi kwibhanki kuzinzile.