Yintoni yahlukile kwi-mboleko indlu? mboleko Injongo

Uninzi lwabemi xa kuthengwe isicelo semali-mboleko yebhanki. Oku akothusi. Ngapha koko, ukuba amakhaya abo bafuna wonke umntu, kodwa ndiwusindise iminyaka, abaninzi bayavuma. Phambi kokuthatha isigqibo nzima ezinjalo kufuneka siqiniseke ukuba ukubuza malunga izinto kunye neendlela bafake imali.

Yintoni ukwenza phandle? Loan indlu? Kwaye nantsi ke umbuzo wokuba yintoni mboleko sokubambisa yahlukile kwipropati? Ukwahluka kulo mbono, okanye enye kwaye ziyafana? Makhe zama ukuqonda kunye.

Yintoni yahlukile kwi-mboleko indlu?

Kukho iindlela ezininzi ukufumana imali yokuthenga ikhaya:

• mboleko zakudala;
• mortgages;
• lokuthenga.

Eyokuqala luthatha ukuba igalelo lokuqala angabhaliswa iminyaka ukuya ku-10. Kulo mzekelo, ngokuqinisekileyo kufuneka ukuqinisekisa ingeniso yakho uze unike ulwazi malunga nomsebenzi esemthethweni.

Kwimeko yesibini, wena ngokuqinisekileyo ifuna idipozithi wokhuseleko, apho kwaye uya kwenza izindlu ethengiwe. Noko ke, igama elithi mboleko kule meko yandiswa kakhulu.

Xa usenza i mboleko abathengi abaqhelekileyo ukwenza phantsi intlawulo ayikho imfuneko yoko, kodwa ibhanki nganye yenza iimeko zayo eyongezelelweyo ubhaliso.

Kweli nqaku siza kuzama ukuqonda umahluko phakathi mboleko evela-mboleko. Ngapha koko, zombini ezi mveliso nje kuphela ukuba iimeko ezahlukeneyo, kodwa alungileyo kwakunye nangalunganga.

sebheyili

Ngamanye amaxesha abantu abanomdla ngomnye umbuzo umdla kakhulu: "Yintoni na ezahlukeneyo malunga mortgage evela mboleko?". Xa igama elithi "mortgage" lidla ngokubhekisela ngokwakhe ibheyile, nto leyo ifuna yibhanki njengesiqinisekiso sokuba le mali iza kubuyiselwa kwi kwexesha. Le mbono "mortgage siboleka" - ithetha uhlobo mboleko, nto leyo ingakhutshwa phantsi isiqinisekiso wepropati ezifunyenweyo. Ukuba akukho kakhulu uxakeke zonke iintlobo ubuqili kwesigama, singatsho ngokuzithemba ukuba la magama omabini athetha into enye.

Okokuqala, umahluko phakathi mortgage-mboleko (okanye elinye iziko zemali Sberbank) - yinto ubukho ebalulekileyo izibambiso. Cwangcisa mortgage, ngaphandle kokuba ngummeli wowona ulungileyo, akuthandeki ukuba yenzeke. Nangona mboleko eqhelekileyo, kuquka izindlu, zifumaneka ngaphandle iziqinisekiso ezongezelelweyo.

indlela target

Okulandelayo, umahluko phakathi mboleko ekhaya evela-mboleko - injongo mboleko. Mortgage - Kukuwe mboleko ekujoliswe kuzo. akayi kuba kunokwenzeka nantoni na ukuchitha imali. Ngaphezu koko, inkqubo ukutshintshwa imali kwi-mortgage ngokwayo yakhiwe ngendlela yokuba umthengi has akukho thuba ukubamba imali ezandleni zabo kwaye bachitha "kwicala" kwi nxalenye abancinane mali.

Kakade ke, nayiphi na imali-mboleko unako kubekelwa. Into ukuba uthatha imali rhoqo ngaphezu kubonisiwe sicelo ngokubhala. Kodwa ukulawula ukusetyenziswa kwemali kulo mzekelo ithambile kakhulu. Ngoko ke nto, umzekelo, ukufumana udumo yezindlu, inxalenye imali esetyenziswayo ukuba alungise okanye ukuthenga ifanitshala ezitsha. Iyakwazi aze akhuphe mboleko kunye kungekho njongo. Ngoko ke musa ukuba ingxelo mali, wemka.

Imali kunye ngokwemiqathango yokubolekisa

Estate Real - ethenga into ebizayo. Ukuze ungalibali njengengxenye yomvuzo wakhe ugcine kube nzima. Njengoba nje wena ukuqokelela imali devalued nje. Kubalulekile Lo mbuzo ukuqwalasela xa isicelo ebhankini. Isixa apho umntu angalindela xa usenza sokubambisa, Kakade ke, kuya kuba inkulu kakhulu kunalowo ikhutshwa njengenxenye mboleko eziqhelekileyo. Le yenye nto kuluhlu oko yahlukile kwi-mboleko yemali. Fumana mboleko eqhelekileyo kulula kakhulu. Ngaphezu koko, ukuba imali yeyona incinane, ngoko kokuba sifunyenwe kuphela kufuneka yokundwendwela enye. Ngokuba a mortgage uya kufuneka uqokelele imfumba amaphepha kunye izihlandlo ezilikhulu ukubonisa yokuhlawula amatyala kwiziko-mali zawo.

Oku kuthetha kwakhona kwikota mboleko - kwinto elandelayo kuluhlu oko yahlukile kwi-mboleko yemali. Umntu umyinge iindlela nje kuba nako ngokukhawuleza ukuhlawula isixa esikhulu. Ngoko ke, lo mortgage ingenziwa ngaphandle iminyaka 25-30. Ngelo xesha xa ixesha i-credit eqhelekileyo kunqabile idlula threshold iminyaka elishumi.

Amazinga enzala kunye nobungozi

Enye ingongoma ebalulekileyo olwahlukileyo-mboleko sokubambisa kuba yokuhlala - umdla loo mali egqithisileyo. Njengenxalenye mboleko sokubambisa, unako ukubala kwi ipesenti esezantsi kakhulu ngokugqithisileyo. Oku kubangelwa zizinto ezifana:

• elide mboleko eside;
• vavanyo ezinzima kakhulu yokuhlawula amatyala;
• izibambiso kakhulu;
• Insurance iingozi ezibaluleke kakhulu.

Xa usenza isicelo semali-mboleko eziqhelekileyo (kubandakanywa nendawo yokuhlala), ibhanki ayikho ngokwenene kuphela owaziyo kakuhle ukuba imali iza kusetyenziswa kumagumbi, kodwa ayikwazi sinokuqiniseka ukuba uya kufumana ndibabuyisele. Ngenxa yoko, izinga lenzala kule meko iphezulu kakhulu.

Kukho umahluko iklayenti. Ukuba akukwazi ukuhlawula ityala kwi-mboleko, uya kufuneka nje ukunika bank yezindlu kwakhona esithengiweyo. Amaninzi, eli ziko-mali othi kunye encinane. Kwimeko-mboleko non-eqhelekileyo, umntu ububandezwayo yonke impahla yakhe. Xa isixa esikhulu-mboleko eseleyo ebhankini iya kufuna ukuba lokuhlawula zenqununu eliqokelelweyo nezohlwayo kunye nezohlwayo, neendleko zenkundla kunye nezinye iintlawulo. Ukuba ubale konke oku kunye, isixa angarhoxisa kangangokuba umntu nje ongenayo impahla eyaneleyo yokuhlawula ibhanki.

Omnye umahluko kakhulu ebalulekileyo kukuba xa ukufumana imali-mboleko yokuthenga kungenzeka ukuba afune akananto inshorensi kuye into, kwakunye ubomi kunye nobuchule umthengi ukuba isebenze. A inshorensi mboleko ngqo ayisosinyanzelo kwaye ibhanki akanalo ilungelo ukuze uyifune. Ukuba uthe akwavuma ukuba akhuphe i-inshorensi, kuphela oko unako "ohlwaye" - kukwandisa izinga lenzala.

onika

Yenza mboleko eqhelekileyo (kuqukwa nezindlu) ayikwazi kuphela ebhankini. Iinkonzo ezifana zinikwa ngamaziko ezininzi zemali kunye namatyala kunye namaziko microfinance. Kodwa mortgages kufuneka uye kuphela ebhankini. Kwaye zonke ukubonelela ngeenkonzo ezinjalo. Ingakumbi xa umboleki elindele ukufumana amagama kakuhle.

Oku kungenxa yokuba kunikezelo mortgage ezinxulumene ekuqhubeni iitshekhi ezinkulu umthengi. Yenza ezi zenzo esikwaziyo kuphela kwenkonzo esinamandla wokhuseleko, apho amaziko amancinane ngetyala rhoqo bamane nje.

Igalelo lokuqala

Okulandelayo, umahluko phakathi mboleko evela mortgage - kukho intlawulo yokuqala kunye nobukhulu bayo. Xa ufaka isicelo sentlawulo yabathengi mboleko phantsi kaninzi akufuneki konke konke, okanye mncinane kakhulu.

Ukuze ube nokufaka isicelo mboleko kufuneka nje ukuba ezinye mali ukuyigubungela njengenxenye yeendleko ezicwangcisiweyo. I ephakamileyo le ntlawulo, izinga asezantsi zingafumaneka xa kubhaliswayo.

Kukuphi na okulunge ngakumbi?

Ukuphonononga umbuzo umahluko phakathi mboleko evela mortgage phezu kwendlu, abantu abaninzi bayazibuza, yaye omnye: "? Njani, ke, nenzuzo kakhulu ukufumana imali". Akukho mpendulo indibaniselwano apha kunikwa. Konke kuxhomekeke kwimeko ezithile.

Mortgage iza kuba yingenelo kwimeko:

• Unako ukuthatha inxaxheba kwinkqubo isaphulelo.
• Ingaba sele unayo abantwana abancinane okanye uceba okuzifumana ezi kwixa elizayo. Inyaniso kukuba phambi abantwana abancinci, nkqu kunye nokulahlekelwa ngummeli wowona kufuneka ukuba zinike isithuba ngaphezulu abaphilayo.
• amathuba akho mali ezinzileyo kwaye uqinisekile ukuba "ukutsala" iintlawulo zenyanga ixesha elide.

Ukuba ufuna imali encinci kwaye sele unayo 60-70% yeendleko kwezindlu, ukunxibelelana mortgage yokubolekisa akwenzi ngqiqo. Yokuba ngokoqoqosho kakhulu ngakumbi ukuba uthathe imali-mboleko eqhelekileyo ngokukhawuleza kangangoko kunokwenzeka ukuyihlawula.

Ke kukho enye into: xa mortgage uba umnini ebhankini yezindlu ethengiweyo (de intlawulo epheleleyo ye-mboleko), kunye mboleko ngqo - ukuba impahla yakho. Ukuba engalindelekanga kwenzeka kwaye awukwazi ukuhlawula ityala, ngoko uthengise indlu mortgage iya kuba ibhanki, sidumisa - wena ke ngokwendlela yabo. Ngoko ke ukunceda eninzi imali engaphezulu ukuhlawula off ebhankini kunye ukuthenga indlu enganeno.