Yintoni efunekayo ukuze mboleko: uluhlu lwamaxwebhu, i-inshorensi, nemihla yokubhalisa

Ukuze ube endlini yakho - iphupha, mhlawumbi, usapho ngalinye. Noko ke, asinguye wonke umntu unako ukuhlawula iindleko zonyango: ixabiso ezithengiswayo ngoku ngokwaphula zonke iingxelo. Kodwa ungakhathazeki! Ngenxa yokuba akukho kwakude kudala wabonakala uhlobo ezibolekisa - nezivumelwano zokubambisa - na umnqweno wabantu abatsha iye kunokwenzeka!

Kakuhle eli mortgage

Mortgage - akukho nto kodwa mboleko yokuthenga izindlu (indlu okanye indlu). Ngokungafaniyo nezinye iintlobo mboleko, oku isindululo ixesha elide, enikwe nama-10-15 iminyaka. Kwaye oku kuyaqondakala: ukuzoba iintlawulo enkulu kwimeko kokubonelelwa nezivumelwano zokubambisa ixesha elifutshane, hayi bonke. Kodwa ke, ukuba uyahlula esi sixa-phinda ngeenyanga ezili-120 ubude okanye ngaphezulu, kuvela kuyo lixabiso ngokwenene.

Olona phawu lwesibini mortgage - isibambiso mandatory wepropati ezifunyenwe besibini. Kuyimfuneko ukuba ibhanki ukuzuza nentembelo ngengomso. Ngapha koko, kwanokuba umxhasi na ukuhlawula onke amatyala ngexesha, umbolekisi baya kuphela kule black: yokuhlala / indlu uya kungena impahla yakhe.

Olona phawu yesithathu uhlobo igqalwa mboleko (oku nto kufuneka imali-mboleko qho mandatory) - kukho intlawulo yokuqala. Ukuba akukho namnye ubuza malunga nokufumaneka kwenkxaso yemali yakhe apha ngaphandle kwabo nje akakwazi ukwenza ekuveliseni i-mboleko yabathengi. Ngokuqhelekileyo, ixabiso ubuncinane izavenge yokuqala ka-10-20% yexabiso kwipropati.

Amanqanaba lokubhaliswa mortgage

La manyathelo asisiseko alandelayo kufuneka wenziwe xa unqwenela ukufumana imali-mboleko yokuthenga indawo yokuhlala / indlu:

• Fumana impahla oyifunayo. Kubalulekile ukuphawula ukuba iibhanki abaninzi ezikhethwayo izakhiwo ezitsha. Kaninzi xa uthenga indlu asanda yakhiwe indlu umbolekisi inika mboleko ngomyinge umdla ngakumbi.
• Ukulungiselela amaxwebhu afunekayo.
• Faka ebhankini ukuze mortgages. Kungcono ukuba isicelo kwimibutho ezininzi. Mhlawumbi omnye wabo uya ukuvumela mboleko.
• Ekubeni sisabele isibheno ofake isicelo kwisebe lwemibutho zemali ukuqulunqa isivumelwano semali-mboleko.
• Ukuba kuyimfuneko, amalungiselelo inshorensi impahla, ubomi nempilo obolekayo.

Njengoko ubona, ukufumana imali-mboleko ukuze ezithengiswayo ayikho simple kunjalo, le nkqubo iza kuthatha ixesha elininzi. Kodwa akukho nto kwixesha elizayo ayinakuze ithelekiswe osisiphumo izinto ezinjalo - eziphilayo kwigumbi lakhe. Zonke ke, ukwazi amanyathelo asisiseko ubhaliso mortgage, nonke nina unako ukuphendula ngokukhawuleza.

Mortgage: i nemiqathango yokufumana

Ngoku, abaninzi amaziko zemali zinika iinkonzo zabo lokunika imali yokuthenga izinto kulo propati. Zonke iimveliso zabo Isandla yawo, neendlela zabo kunye neemfuno. Kodwa kukho ezisisiseko, iimeko twatse eziliqela kwiinkampani ezininzi. Zezi zilandelayo:

• mortgages lwemali. Kwilizwe lethu, ubuninzi-mboleko ekhutshwe engange Russian, kodwa ke kukho iimeko-mboleko yezindlu wase US kunye euro.
• Ubukhulu amazinga enzala kolu hlobo kubolekisa udla amanani ukusuka kwi-10 ukuya nge-16%. ulwazi oluchanekileyo ngalo mbandela akakwazi ukunika nayiphi na ibhanki, kuba oko kuxhomekeke kwizinto ezininzi (bengeniso umboleki, igama elithi indlu, njalo njalo. D.).
• Intlawulo yokuqala. Ngokutsho iimfuno yeebhanki ezininzi, a client nokufumana mboleko kufuneka kufumaneka kwi-10% yexabiso impahla.
• Amagama mali. Le umba yi ekhethiweyo kwi ngokususela yokuhlawula amatyala lo mboleki kunye neminqweno yakhe.
• Ukubuyiswa kwetyala ngohlobo iintlawulo kwi-akhawunti yebhanki rhoqo ngenyanga. Iinqobo ze zonke iimali ngaphambili kuchaziwe kwisivumelwano semali-mboleko.
• Njengesibambiso-mboleko esisinyanzelo ukubhaliswa isibambiso eso zinto ezifunyanwa.
• Kwiimeko ezininzi, i-inshorensi kufuneka nobhaliso: Loan into, ubomi, impilo kunye obolekayo nokukhubazeka.
• Zokwenza umsebenzi novavanyo. Oku kwenziwa zii-arhente apreyizali elizimeleyo. Kufuneka ukuba iBhanki yanelisekile eneneni ekuthiwa ixabiso kule ndlu / indlu.
• Ukunika ulwazi malunga nengeniso. Oku kuya kuvumela otyalwayo akukho kwamathandabuzo yokuhlawula amatyala lo mboleki.

amaxwebhu afunekayo

Ethetha imfuneko iipakeji izibambiso, kufanele kuphawulwe ukuba olu luhlu ukuze kunqanyulelwa okanye zongezwe kwi nkampani ngamnye. Ezantsi apha kukho uluhlu esisiseko lwamaxwebhu yokubhalisa ye-mortgage, iibhanki rhoqo ukubuza:

• Ifom yokwenza isicelo semali-mboleko
• uxwebhu yesazisi. Amaninzi, njengoko enze njenge yokundwendwela ngummi Russian Federation.
• Olu xwebhu lwesibini olongezelelweyo ukuqinisekisa ukuba ungubani: ID lomkhosi, yokundwendwela, iphepha-mvume okanye pension ikhadi lokuqhuba.
• Ingxelo umholo.

Iimfuneko ababoleka imali

Yiba ingeniso elungileyo akwanelanga ukuba afumane mboleko. Iibhanki ukubeka iimfuno ezithile phezu kubaboleki. Kakade ke, kuxhomekeke umbutho ukuze ilungiswe kancinane, kodwa ubuntu lwabo malunga ngolu hlobo lulandelayo:

• Ubukho ubumi Russian. Oku kungqinwa yokundwendwela Russian.
• Age ngexesha yesicelo engama-21 kwaye ekupheleni mortgage kota ku kwiminyaka engama-60.
• Ukungabikho Imbali credit "black".
• ubhaliso yokuhlala isigxina kummandla we-mboleko.
• Ingqesho kwindawo enye ubuncinane kangangeenyanga ezintandathu, amava jikelele ngexesha elinye kufuneka ibe ngaphezulu konyaka.

Ukunikezwa iibhanki zeli zinkqenkqeza

Ukuphungula ukukhetha isidlo umboleki enokwenzeka kufuneka thaca le thebhile ilandelayo, equlethe umdla izinga yemali xa iibhanki zeli lizwe.

mortgage Sberbank

Kuyinto ezisitheleyo Sberbank of Russia - yenye yeebhanki likhuselekileyo kweli lizwe. Oku kuchaza ukhetho abathengi abaninzi kule ziko. Kwaye libizwa kwimfuno apha kunye neenkonzo siboleka kwicandelo real estate. kubaboleki basenokuba abafuni ukufunda, kufuneka ube mortgage sokweletwayo.

Eyokuqala ukungqinelana neemfuno ebhankini. Ngokunxulumene abathengi, kuba zezi zilandelayo:

• ngabemi Russian.
• Age ukusuka kwiminyaka eli-18 ukuya kuma- 75.
• A emisebenzi esisigxina kunye esesikweni.

Kufika mortgages efanayo kwi Savings Bank phantsi kwale miqathango ilandelayo:

• Ixabiso izinga lenzala - kwi-11.4% ngonyaka.
• Ukufumaneka ulingano - 20% yexabiso impahla.
• Ixesha-mboleko - ukuya kutsho kwiminyaka engama-30.

Kubalulekile ukuqaphela ukuba phambi urhulumente yobhaliso ubunini ixabiso ukunyuka wezinga lenzala 1 ipesenti point. Ungeniselo abangaka lilodwa kusongela kunye kwaliwe ubhaliso kule propati ufumene i-inshorensi, ubomi nempilo obolekayo.

Mortgage kwi "VTB 24"

"VTB 24" wokusebenza lesibini eliphezulu zemali ukalisho kweebhanki Russian. Ngoko ke, le ndawo ukuba ibe kunye nenkcazelo kweli nqaku ukuba udinga imali-mboleko kwi nkampani. Ingakumbi ukuba imveliso wabo bume enomtsalane ngakumbi kunye nokufikelela inxalenye enkulu yabemi.

Ngoko ke, ukuqala ukupeyinta kakuhle imiqathango mortgage kwi "VTB 24". Zezi zilandelayo:

• izinga lenzala - ukusuka 11,9% ngonyaka (kwisindululo ngenkxaso karhulumente);
• ukufumaneka ulingano - 20% yexabiso kwipropati;
• imali mboleko ekhoyo - ukusuka 600 ukuya 8,000 engange;
• gama-mboleko - ukuya kutsho kwiminyaka engama-30.

Okulandelayo, simele ukhankanye iimfuno ezisisiseko kubaboleki. "VTB 24" ubeka phambili zezi:

• kweminyaka engama-21 ubudala ngexesha lokwenza isicelo semali-mboleko kwaye kwiminyaka engaphezu kwama-70 ngexesha buyiselo;
• ubude iyonke inkonzo - hayi lungaphantsi konyaka omnye.

Insurance kunye mortgages

Xa mboleko sokubambisa kusoloko ukubonelela ipolisi ye-inshorensi iya kucelwa ukuba mhlaba uthengiweyo. Oku ukukhusela zombini umboleki kunye elunxwemeni likaxakeka: imililo, iinyikima zomhlaba, njl Yinto eyaziwayo ukuba Ixesha lolwamkeleko lwamaphepha-inshorensi loo kwiimeko ezininzi ngonyaka omnye ... Kodwa ke oku akuthethi ukuba emva kweli xesha le-inshorensi real estate, ungakwazi ukulibala! eboleka kwisifundo ngasinye, kufuneka zikhuselwe kwiingozi de intlawulo epheleleyo ye client yentlawulo kwiziko yemali mboleko.

Property ipolisi ye-inshorensi - hayi nje uxwebhu ezifuneka UK. Ngoko ke, rhoqo iimfuno umbolekisi kunye nezinye inshorensi kwi ubhaliso mortgages. Angala: inkqubo ubomi inshorensi yezempilo, intsebenzo yomboleki. Kakade ke, ngokomthetho Russian, iibhanki awanalo ilungelo lokuba ukunyanzela umxhamli kuyilo olu hlobo lwe-inshorensi. amaziko ezemali, isimiso, esiza, kodwa wenze ubhukisho, ukuba ligatya lunyuka yayo umyinge wenzala yi-1 ipesenti point.

Kubalulekile ukuphawula ukuba umthengi bank ayikwazi akusoloko ukuthenga umgaqo-inshorensi efunekayo kuyo nayiphi na inkampani yeinshorensi. Amaninzi, umbolekisi ubeka phambili neemfuno zabo nokukhethwa yokugqibela, kwaye maxa wambi inika uluhlu lweenkampani ovunyiweyo, phakathi apho ungakhetha kakhulu ifanelekileyo.

Ngoku, ukwazi oko ufuna imali-mboleko, kubaboleki enokwenzeka kufuneka angathandabuzi imfuneko yokuba bafumane mboleko. Musa ukuthi, nendlu yakhe akukho indawo!

Njengoko kubonakala, kanti akunjalo eyoyikekayo, le mboleko: le nemiqathango yokufumana kunye neemfuneko kubaboleki akukho mfuneko ukoyikisa umboleki enokwenzeka. Okubalulekileyo, musa akuyomfuneko ukuba woyike kobunzima aye injongo yayo.