Yiyiphi indima edlalwe ehlabathini namhlanje iibhanki ukuba umhlalaphantsi?

Kuluntu mihla, ezibhankini ukuba umhlala yaba yindawo rhoqo ukutyelela. Liyanda inani labantu abadala babuyelayo ukulungiselela mboleko okanye wavula iidipozithi apho. Kungenxa yoko le nto iibanki baqalisa ukuba ziziqhelanise umhlala, ukhupha yedipozithi kunye mboleko iimveliso ngamnye kule icandelo labantu.

Ngaba ilungu elidla umhlala ukufumana imali-mboleko?

Ayizizo zonke iibhanki Russian ukubonelela kunikezelo mboleko umhlala-phantsi. Oku kungenxa yokuba amaziko credit bakhathazekile kukwehla elibukhali kwi impilo umboleki, kwaye ngokunxulumene yokungahlawulwa kweemali-mboleko zazo. Kodwa amaziko ezemali khupha ezi mboleko abalupheleyo, ziyafumaneka. Ezi iibhanki ukuba bakucaphukele ngenxa yokuba abadala banoxanduva kakhulu lokuhlawula kwangethuba-mboleko.

Ngento umboleki eqhelekileyo, ilungu elidla umhlala liya kutshekisha yokuhlawula amatyala yibhanki kunye nokuhlawulwa mboleko yangaphambili. Kwaye ukuba, ukuba yokusebenza ubudala, umthengi udale imbali kwezamatyala, ngoko mhlawumbi, le umhlala phantsi kwi-mboleko, wokhanyelwa.

Iibhanki ukunika mboleko abadala kunye imali encinane kwiminyaka emihlanu, ngaloo ubavuselele ngokuvela emibi.

Rating beebhanki ukuba intengo yemboleko, abadala

Amaziko Credit zonke ezahlukeneyo, kwaye ke ngoko ukwandisa iimeko zemboleko zahluke kwaphela. Ezinye iibhanki ukuba umhlala uzama ukunika inkululeko yokuzikhethela, abanye kunika iireyithi iphantsi, ngoxa abanye zikuvumela ukuba ukuboleka imali eninzi yabantu abadala.

Rating kweebhanki kwi zesixa kwiNgxowa-mboleko abadala:

1. "Yamkela." Le ibhanki onikela imali ubuninzi mboleko umhlala - million 15 engange. Le mboleko imvume yokuthenga izindlu.
2. "Sberbank". Le ibhange engange million 10 mortgage yokubolekisa.
3. "Raiffeisenbank". Isixa asondezwayo umhlala ifikelela engange 9 million.

Ikubeka kwi asezantsi umyinge wenzala of credits yomhlalaphantsi:

1. "Setelem Bank". Lo mbutho unika asezantsi umyinge wenzala - 6.9%.
2. "Bps Bank." Le nkampani kukuba indawo yesibini kwi iphantsi izinga lenzala, nto leyo 9%.
3. "Uralfinans". I-Bank kwakhona inika encinane umyinge wenzala - 10%.

Rating esekelwe elide mboleko eliphezulu:

1. "Sberbank". Kwindawo yokuqala yenye yeebhanki athandwa kakhulu. Yena ufuna ukuthatha imali umhlala ukuya kwiminyaka esi-7.
2. "Bank AVB." Ibhanki inika mboleko umhlala ukuya kwiminyaka emi-6.
3. Ngelo xesha kukho phantse zonke ezinye iibhanki ezaziwayo-kakuhle ezenza mboleko iminyaka ukuya ku-5.

Credit umhlala. Iibhanki ingcono?

Three iibhanki ezaziwayo-kakuhle ukuba kube asebekhulile:

1. "Alfa Bank" umhlala inika uluhlu enkulu iimveliso mboleko. Kuba abantu abadala babe ukufikelela kuzo zonke iimali-mboleko ezikhoyo. Inkqubo Bank ilungiselelwe ngendlela yokuba umthengi akakafiki abe umhlala kwi ukuhlawula imali-mboleko zithathwe.

2. I-Bank "VTB" umhlala ebalungisele imveliso ezizodwa amagama kakuhle. Imeko kuphela - ubudala yomboleki akuyi kudlula kwiminyaka engama-65. Isigqibo kwi-mboleko uza nangoko, yaye ubhaliso kuthatha ubuncinane ixesha.

3. "Sberbank" unika ezinye iimeko unyanisekileyo nenzuzo. Umda leminyaka eliphezulu yiminyaka 75. Ukuze ukuthatha ngetyala esihle kubathengi ebhankini kuyanqweneleka ukuba akhawunti yakho okanye akhuphe ikhadi, nto leyo eya zizakusebenza ipension. Le ezimbi kuphela - Qinisekisa umhlala kufuneka isibambiso. I-Bank kwakhona ukongeza mboleko imali inika amakhadi abadala ngetyala, apho ngokuqhelekileyo awufumaneki kwezinye kwiibhanki.

Ziziphi iibhanki badla umhlalaphansi ezivulekileyo iidipozithi?

Yenye yeebhanki ezininzi ezaziwayo-kakuhle ukuvulwa iminikelo umhlala phantsi yi "Savings Bank". nezaphulelo abadala, nangona akunjalo, oko ebhankini inokuthenjwa kunye noxanduva ngokoluvo iikhastoma ezininzi. Kungenxa yoko le nto abadala babe nentembelo ngakumbi kwiziko zemali.

Kwakhona eyaziwa ngokuba ukufunyanwa yesibambiso yi "Rosselkhozbank" abalupheleyo. Lo mbutho unika umhlala umnikelo okhethekileyo "Pension Plus". Ukugembula kuyo - 8.5%, kwaye isixa iphantsi kunokwenzeka ukuba lokuvula idipozithi elingana engange-500.

"Eurocommerce" ebhankini elinye igalelo lemali ukuba anikele. On idiphozithi "ingeniso Pension", ucebisa ukuba umyinge we-10.5%.

Ngawaphi amaxwebhu afunekayo ukuze afumane imali-mboleko ukuya umhlalaphantsi?

amaxwebhu eceliwe kubaboleki zonke iibhanki abafani, kodwa kukho abo ukuba izigulana ezo kufuneka anikezele kuyo nayiphi na imeko. Ezi ziquka:

• ipaspoti;
• isatifikethi imali yomhlalaphantsi efunyenweyo;
• Certificate of umhlala-phantsi.

Ngaphandle konke oku, iibhanki ungacela nakumqinisekisi okanye izibambiso. Isikakhulu umhlalaphansi ukhetha ukuthatha mboleko okwenziwa yokuhlala.

ulwazi olongezelelweyo

Indoda abadala lokufakwa mboleko kufuneka ingqalelo kakhulu. Kule minyaka, abantu lukwenza kwaye ngokulula kusiwa nasiphi na isindululo. Njengoko ukuba umhlala kakuhle okanye ukungaboni ezempilo, yena akakwazi ukufunda yoshicilelo entle kule mvumelwano, elithanda ingqalelo enkulu. Ngoko ke, lo umxhasi isenokungabi bazi iintlawuliso efihliweyo kunye neemveliso ze-inshorensi. Ngako oko, iimali-mboleko zokuhlawulela umhlala ngcono uqhagamshelane kunye nezalamane, ukuba ukunceda ukuyisombulula le meko bedidekile. Eyona nto izalamane musani ungayibaxi ngayo. Kungenjalo, umqeshwa ibhanki nga endlaka yintoni umntu omdala ngenkani kwanyanzeleka ukuba uthathe imali-mboleko.

Abantu abadala umboleki aqotho, nto leyo esisizathu sokuba iibhanki ukwenza mboleko ukulungiselela umhlala phantsi elilungileyo ngamaxabiso umdla eliphantsi. Kodwa enikwe le nyaniso, amaziko zemali bakulumkele kwale maleko abantu, kuba imali yomhlala azinayo. Kodwa ke ukuba umntu omdala ugqiba ukuba imali encinane kwaye ixesha ubuncinane, iibhanki ngenkoliseko ukunika mboleko enjalo.