Imalimboleko yezindlu isisindo esinzima noma ithuba elikhulu

Iphikisana mayelana nokuboleka kusuka ebhange ukuze uthenga indlu noma indlu iqhubekile isikhathi eside futhi cishe ngeke iphele lapho.

Abaphikisi be-mortgage bathi lolu hlobo lokuboleka eRussia luyibugqila obuyinkimbinkimbi, lapho ababoleka bewela khona. Isizathu salokhu sizinga lentengo ephezulu kakhulu, futhi ngenxa yalokho, ubukhulu bokukhokha nyangazonke, ukulinganisa imali engenayo yonke umndeni womkhokhi. Ngempela, eYurophu nase-US ziphindwe izikhathi eziningana.

Labo abacabanga ngokuthatha isikweletu semakhaya bayazi kahle zonke izingozi nezinkinga abazobhekana nazo, kodwa bacabange ukuthi yindlela kuphela yokuxazulula inkinga yezindlu. Ngempela, umuntu angakwazi ukuthenga izindlu ngezindleko zakhe, ngoba bonke abantu umbuzo uhlukile: sebenzisa impilo yakho yonke ukufihla noma ukukhokhela "umalume" izindlu eziqashiwe ngethemba lokuthi isimo sizozixazulula ngokwengqondo, noma sibole imali Ibhange futhi uhlale ekhaya lakho. Uma sicabanga ngalesi simo kulo mbono, umqondo wokuthola isikweletu semakhaya awubukeki kakhulu. I-Trite, kodwa kuyiqiniso: konke kuyaziwa uma kuqhathaniswa.

Omunye wabokuqala owaqala ukwenza lolu hlobo lwemali mboleko kwakunguSberbank . Imalimboleko yezindlu ingatholakala lapho ngaphansi kwezimo ezinhle. Ngaphandle kwezinhlelo ezijwayelekile, zikhona ezikhethekile, isibonelo - ukukhokhelwa kabusha kwemali mboleko etholwe ngaphambilini. Lokhu kudingekile kulabo abathola isikweletu semali yokubolekwa kwempahla eminyakeni embalwa edlule ngezinga elingaphezu kwe-20% ngonyaka. Namuhla, lezi zibalo zibonakala zingenakwenzeka, kodwa ezimweni zaleso sikhathi, ezinye izinketho azange ziphakanyiswe.

Ngimiphi imibandela engingayithola ngayo mboleko yezindlu

I-Sberbank, njengezinye izikhungo zezezimali, inika imali njengesibambiso se-real estate ekhona, kanye nalowo othengwayo. Futhi, ngendlela yokubambisana, enye impahla yomboleki ingacatshangelwa.

Amanani entengo encane ngokuvamile asebenza ngemali yangaphandle. Ngama-ruble, izimo ezikhangayo kakhulu zinikezwa emindenini emisha ehlela ukuthatha isikweletu sezindlu. Ngakho-ke, ngo-ruble kubalulekile ukukhokha kusuka ku-10% ngonyaka, futhi isikhathi esiphezulu lapho kungenzeka khona ukuboleka kusho, kwenza iminyaka engu-30. Lesi siphakamiso sivumelekile emindenini lapho iminyaka yobudala okungenani omunye wabashadile engadluli iminyaka engama-35. Ngokuqondene nenkokhelo ephansi, ubungako bayo obuncane buyingxenye engu-10 nje kuphela yexabiso lentengo ethengwe.

Uma sikhuluma ngababolekayo, abaneminyaka yobudala abaye bawela emgqeni weminyaka engamashumi amathathu nanhlanu, isilinganiso senzalo ku-ruble siqala ngo-12%, kuye ngokuthi hlobo luni lwemali mboleko, okungukuthi, kunoma iyiphi impahla ekhishwayo. Ubukhulu besitjalo sokuqala buhluka kusuka ku-10 ukuya ku-15%. Ngesikhathi esifanayo, njengomthetho, kungaphansi kwezindlu, kodwa ezindlini zangasese ezakhiwa ngaphezulu.

Ngokwesiko, ukubolekwa kwemiklamo yezindlu zangempela lapho ukwakhiwa kubakhokhi kuyabiza kakhulu kunezindlu. Kodwa okwamanje kunemibandela ekhethekile eSberbank, lapho kungenzeka khona ukuthola inkokhelo yokuthenga into engakaze inikezwe ngokuvumelana nezimo ezifanayo njengento eyamukelwe yikhomishana kahulumeni.

Ukwamukela noma ukungamukeli imali, umlandu ngokuqinisekile uyedwa. Kodwa-ke, ngenxa yokukhula okunamandla ezindlini zendlu, ungagcina impilo yakho yonke ekuthengeni indlu noma efulethini futhi ungalokothi ufeze umgomo wakho.