Indlela ukubuyisela umshwalense ngemuva kokukhokha imalimboleko? Buyisela umshwalense: amathiphu, iseluleko

Uma amakhasimende yibhange imali engango, banikela athathe umshwalense. Isevisi kunciphisa ingozi non-buyiselo lemali. Futhi isebenza nge mortgage pahla. Lapho umcimbi insured kwenzeka, inkampani yomshuwalense idlulisela izimali ebhange. Lezi ubudlelwane enganyelwe inkontileka, okuyinto lelipelwe amalungelo kanye nezibopho ze-amaqembu.

Kodwa amakhasimende amaningi ukuba abuyisele ukubolekisa ngaphambi kwesikhathi, ngenxa okuyinto nemfuneko umshwalense siqedwa. Akuwona wonke umuntu azi ukuthi angaluthola kanjani umshuwalense ku loan. Le nqubo has ezinye izici ukuthi kufanele ucabangele wonke amakhasimende kwamabhange.

indaba

Ngonyaka ka-2009 KaHulumeni boPhezukonke Arbitration Court sivunyiwe ngu isiyalezo owawuthi amacala yasebhange phakathi izinyathelo ezephula amalungelo abathengi. Kwaphela iminyaka eminingana sekube ngokucabangela izimo ku ukubuya imali ngokungemthetho. Amabhange, kwanqunywa ukuba ukukhansela ikhomishini, eyayibonakala njengesenzo engenayo ebalulekile.

Ngokuhamba kwesikhathi, ukwanda amanani okuhlinzeka imali ngesikweletu. Lapho Ngaphuma zoMthetho Federal "Ngo umthengi credit", inkinga entsha - ukunqunywa umshwalense lapho ukubeka imali ezikweletini. amakhasimende Abaningi baqala ukuba sisisebenzise kuzo lesi uma kwenzeka ukwehluleka loans inkonzo kungukuthi ikhishwe. Ikakhulukazi ngoba intengo umshwalense siphakeme ngokwanele, nembuyiselo zingenziwa ngoba inkontileka ngayinye.

Lokhu kwandisa Commission, kanye amaklayenti awazi amalungelo abo. Ngenxa yokwesaba ukwehluleka ukuthola abantu loan ukwenza umshwalense. Ngisho noma inkontileka isiqediwe, kubalulekile ukwazi ukuthi uthole umshwalense ku loan.

Ubani iyadingeka?

Isidingo umshwalense sisekhona. Amabhange usunikeza imali emuva ngaphansi kwezimo ezihlukahlukene. Lapho umcimbi insured kwenzeka, inkampani yomshuwalense idlulisela izimali ebhange. Uma inani idlula ibhalansi izikweletu, isamba semali ikhokhelwe ukuba okweletayo. Ngenxa yokuntula izimali ebhange izogcina imali ikhasimende.

Ngokuvamile wenza umshuwalense wokuphila, umshuwalense wezempilo. Le sevisi inikezelwe ukuvikeleka kwempahla ebhaliwe ngokumelene izici ezingezinhle. Basuke engamiswanga izinkontileka. Endabeni umshwalense iklayenti kudingeka azise inkampani yomshuwalense ukuthi inkokhelo wanikwa sona. Ukubuya yomshuwalense Kwenziwa imithetho ekhethekile, ngemuva kokukhokha imalimboleko.

Izinhlobo nomshuwalense

I umshwalense inikeza ukuliliswa uma kufa iklayenti noma wamukele ukulimala, ngenxa okuyinto kukhona izinkinga kanye nokusetshenziswa izibopho. Isevisi luvame kakhulu ezindaweni komkhakha wamabhange. Lapho ukufa noma ukulimala ngomshuwalense okhokhela ebhange esele ebolekiwe, futhi umzuzi kuyinto ibhange.

Olunye uhlobo umshwalense kuyinto umshwalense impahla. Kuthathwa saziso bengatshelekwa noma ukuthenga izimoto ngesikweletu. Uma kwenzeka ukulahlekelwa, ukulimala, umonakalo impahla aluthola, ngomshuwalense okhokhela inani loan. Okungukuthi, ngaphansi komthetho, umshwalense, efulethini imililo, amatheku kubhekwe saziso. Kodwa ukhethe ukuthi yomshuwalense uma ukufa nezinkinga zempilo, ikhasimende uyazinqumela. Kulesi simo, umthetho ohlangothini lwakhe.

Izici ukuphepha

Ngokomthetho razhdane akaphoqelekile ukuphetha umshwalense. It kuvela ukuthi ibhange ayikwazi ukusiphoqa isevisi ukubhalisa njengomuntu saziso, kodwa umthetho uthi akukho yomshwalense, ukubolekisa kungukuthi ikhishwe. Lokhu kusebenza a mortgage loan imoto. Uma idokhumenti ikhishwe, izinkokhelo zidluliselwa ngokuqhubekayo, khona-ke kuphakama umbuzo, ukuthi ungathola kanjani umshuwalense yabathengi ngesikweletu?

Yomhlomuli kulokhu ubhekwa ebhange. Kodwa, njengoba sishilo, uma kwakukhona inkokhelo egcwele izikweletu, iklayenti angakhipha imali. Bank recalculated kanye nokudluliswa imali. I umshwalense kungase umvuzo. Usayizi Its wakhona ubuqiniso idokhumenti.

Uma kwaba buyiselo zakuqala imalimboleko, ukuthi kungenzeka ukubuyisela umshwalense? Yebo, kule ndaba, ukubuyiswa kwemali kungenzeka. Kodwa uma isikweletu abuyiselwe ngosuku olunqunyiwe, bese ubuyela imali ngeke ujike.

inqubo umshwalense esimweni ngasinye sihlukile. Konke kunqunywa ukubukwa loan. Kungaba umthengi kanye mortgage. Esimweni sokuqala, umshuwalense wokuphila iklayenti, futhi okwesibili - impahla.

ongakhetha kulondolozwa

amakhasimende amaningi yasebhange ungezwa ukuthi baye onikezwe umshwalense loan. Indlela ubuyele kuye? Eqinisweni, ikhasimende ungakwazi kuphela ingenzele ngokuzithandela. Uma lokhu kwenzeka, intengo service ayidingi ukuba kufakwe loan ngoba lelo nani ezicela isithakazelo.

Ngemva sokukhokhwa imbuyiselo umshwalense loan kudingwa wumthetho. Iklayenti kumelwe zisebenze kubhekwe yibhange. Kumele kukhunjulwe ukuthi izimali kungukuthi zidluliselwa ngokuzenzakalelayo. Kuphela nje ngemva kokubhala isicelo, ukuthengisela amakhophi amadokhumende kanye isinqumo esenziwe lapho ukhokhelwa imali.

A imfuneko ukudluliswa kweemali isitatimende. Ukubuya Sberbank umshwalense loan kungaba icala uma iklayenti has a isifo lapho ungeke ukusayina amaphepha. Uhlu okuhlukile ungaphakathi inkontileka. Kodwa ngaphambi amasignisha ungadluli nokuhlolwa odokotela, kanye iklayenti angeke okuhlukile eyaziwa, ngakho okhokhela amasevisi. Ezimweni ezinjalo kubalulekile isicelo zokubala kabusha nokukhokhwa kwezintela nemali. Kodwa kulokhu iklayenti uzonikezwa is azihlangani ngokugcwele futhi 87%, esibaliwe intela - 13%.

Umshwalense Sberbank

Kushiwo ngamuphi umqondo ukuthi ukubuya umshwalense ngemuva kokukhokha udumo kuleli Savings Bank? Ikhasimende unelungelo lokuthathwa njengomsulwa ayenqaba ukuhlanganyela ohlelweni loan. Ukuze wenze lokhu, futhi, kufanele kungakapheli nenyanga wamaphepha isicelo ehhovisi nokubhala isitatimende.

Kodwa uma ukubuya kungenzeka umshwalense ngemuva kokukhokha imalimboleko, uma wathatha izinyanga ezithile ngingaphuzi? Yebo, kodwa ke ikhasimende izofakwa nge izimali, net izindleko nezintela ukubhaliswa. Lokhu kumayelana 50% iphuma okokuqala. Ungabuyela futhi ingxenye premium uma imalimboleko ikhokhiwe yonke futhi ngaphambi kwesikhathi ebesibekiwe.

Ngaphambi kokuba uphindele yomshuwalense yabathengi credit, kubalulekile ukwenza isitatimende ngeduplikhethi. Kulokhu, amakhophi iklayenti wammisela nge kosuku lokubhalisa le dokhumenti.

mortgage

Kushiwo ngamuphi umqondo ukuthi ukubuya umshwalense emva izinkokhelo mortgage? Pawn kubhekwa isiqinisekiso ngokugcwalisa umonakalo ngemva kokuqedwa izibopho. Ukunqanyulwa kwale dokhumenti ngaphandle kokukhokha loan akunakwenzeka.

Kodwa kukhona wokubuyisa imali esimweni lapho isikweletu bazikhokhela kusengaphambili, futhi umshwalense - phakathi naso sonke isikhathi. Udinga ukuxhumana inkampani yomshuwalense ngiwunike madokumende alandelayo:

• isicelo;
• iphasiphothi;
• inkontileka;
• isitifiketi isikweletu ukubuyiswa kwemali.

Ke sinawo zokubala kabusha, khona-ke lezi zinsalela ziyavezwa ukuthi idluliselwe iklayenti.

izimiso umshwalense ukubuya

Lawula nezindaba ezinjalo umthetho ku ukubuya umshwalense ngemuva kokukhokha imalimboleko. Kukhona 2 izindlela ukuxazulula le nkinga. Eyokuqala komnikazi owandulela ukuqulwa kwecala. Lapho acime ukubolekisa, ukubuya kwezimali umshuwalense ngokusebenzisa inkampani waziphatha design. kufanele It angeke zisebenze Bank. I isikhungo sezezimali ubhekwa umlamuleli. Ngokuba edonsa amakhasimende amasha ke ikhokhwe isithakazelo.

Ngemva sokukhokhwa imbuyiselo umshwalense isikweletu eyenziwa yinkampani yomshwalense. Iklayenti kumele abhale isitatimende ngeduplikhethi, ngemva kwalokho zalotshwa. Uma inkampani kude, ungathumela incwadi kubhaliswe. Kule ncwadi-ke kuyadingeka ukuba ukhombise inkathi kufanele kulindeleke okuyinto kuthanda ukuphendula. Ngesikhathi esifanayo kubalulekile oda sicashunwa i-akhawunti yakho, lapho kukhonjiswe, ukuthi ungasabalalisa imali.

Futhi uma yayingekho impendulo?

Uma kungekho mpendulo sitholwa, kubalulekile ukuba ukusebenza kusevisi Federal. Kulesi inhlangano kubalulekile ukuthumela incwadi, wasinikeza a ngekhophi yesitatimende, yokusungula, isaziso kokuthola incwadi. Uma akuvelanga uthole impendulo, kufanele aye enkantolo.

Icala ingase ihlale izinyanga. Uma intengo inkinga kuze ruble 50 000, isibambo kufanele ibe eNkantolo Yemantshi. Kanye isicelo kubalulekile ukuhambisa inkontileka, nokukhokhela, isivumelwano umshwalense, ekutholweni inani isimangalo, isitatimende enkampanini yomshuwalense, isaziso seposi impendulo. Kuyadingeka ukuba ukubala inani isimangalo. Kuyinto ngezansi izindleko zomthetho. Ungakwazi azame ukuthola ezinkantolo eziphakeme, kodwa awusebenzi ngaso sonke isikhathi ngisize. Izicelo zamukelwa iminyaka emithathu.

Uma abasebenzi asebhange udinga ukuthatha umshwalense yabathengi credit, kufanele unikele ngelinye. Ngokuvamile kuba uhlelo ngesithakazelo uxhumano SMS isaziso ephakeme.

Buyela ngaphansi inkontileka wamanje

Ukuze wenze imali, kuqala wakhonza isimangalo owandulela ukuqulwa kwecala isikhungo sezezimali. Kungcono ukusebenzisa amasevisi zochwepheshe ummeli. zingakapheli izinsuku eziyi-10 kusukela kokuthola izimangalo yasebhange wanikeza impendulo. Ekubhaleni izimangalo kubalulekile ukufunda wonke umbhalo ngaphambi kokuba anikezwe isikweletu.

Uma ibhange wanikezwa impendulo negative, kubalulekile ukwenza isitatimende enkantolo. Le nqubo kungcono ukuphathisa ummeli. Ngaphezu inkantolo, kubalulekile ukuba ukusebenza kusevisi Federal. Kungaba 2 izinhlobo isinyathelo: kwesinye isicelo kumele abe khona egcekeni, kanti enye - akadingi ukuba. Inkantolo kuthatha amaviki 3-8 kusukela ngosuku kulethwa isicelo.

Bank pholisi

Kulesi uhlelo, kukhona inkampani yomshuwalense. It kuvela ukuthi izimiso Code Civil azisebenzi izivumelwano ezinjalo. Uma loan isikhokhiwe, yomshuwalense ngeke ibuyele emuva.

Leseluhleni isikhungo sezezimali is a pay-premium amasevisi eyengeziwe. Kungaba ngokubuyisa buyiselo zakuqala. Kulokhu, ibhange kungenzeka ukhokhe ingxenye lemali ukulondoloza idumela lakhe.

Izici

Njengoba proizovditsya ngemuva kokukhokha lembuyiselo umshwalense loan? Akubalulekile ukuba ngokuzimela bahlanganyele kule ndaba - kungcono ujike abameli. Ngokuvamile lokhu kuhilela ezinye izimiso. Ngakho, kubalulekile ukugxila kumagama idokhumenti loan, okuyinto lihlotshaniswa umshwalense. Inkontileka kusho ukuthi isebenza yonke inkathi ukusetshenziswa kwezimali. It kuvela ukuthi uma imalimboleko ikhokhelwa kusengaphambili, ukuzibophezela okwenziwe ebhange.

Ungabheka yokuthi akukho ingozi. Document ikhishelwa umcimbi insured nge izimali ebhange babebuyela. Uma imali banikwa ekuseni, alidingi evikelwe. Ngokomthetho, idokhumenti umshwalense isebenza kuze kube yilapho isikhathi azidala, noma uma kungekho ingozi umcimbi insured. Khona-ke le nkampani nesibopho ukuba abuyisele ingxenye premium.

Hhayi ngaso sonke isikhathi-agumenti ezifanayo ziyasebenza izinkampani zomshuwalense ukuze. Ngokuvamile imibuzo isixazululekile ngosizo inkantolo. Ezenye zinqunywa isikhundla yijaji. Kodwa kungenzeka imbuyiselo ukhona. Izinkampani zomshuwalense zokufuna ukusebenza namakhasimende avamile, zifakiwe imibhalo lekhontile ku izinqubomgomo zokubuyiselwa kwemali-premium, uma imalimboleko ikhokhelwa kusengaphambili. Udinga ukukhumbula imithetho umshwalense, okuyinto kufanele ifundwe kusengaphambili.

wokuqulwa kwamacala ezinkantolo

Kanjani ukuze uthole umshwalense, uma inkampani yomshuwalense engafuni ukwamukela amadokhumenti? Kuyadingeka ukuba zisebenze sikhungo ukuvikelwa kwabathengi. Abasebenzi kanjalo uyokuqonda eziningi izinkinga, kanye ahlukaniswe izithakazelo zakho enkantolo. Nale ndlela, ngemuva kokukhokha lembuyiselo umshwalense mali izosiza ngempela kukhiqizwa.

Ekusebenteni, uma izikhungo zezimali abeke amasevisi ezengeziwe amaklayenti, inkantolo enquma umbuzo esivuna isicelo. Inhlangano Ikhredithi umdayisi amasevisi enikeza ukukhipha esinye dokhumenti. Futhi ngakho umshwalense senziwa cishe kuwo wonke ebhange. Ukuze kuqhutshekwe akazange kuphakame izimo ezingemnandi, kuzomele uqale uzijwayeze ngazo zonke imithetho. Ukuze wenze lokhu, kudingeka utadishe imigomo yesivumelwano futhi ukhanye bhá kungcono ucacise ngesikhathi esisodwa.