Indlela ukudayisa efulethini mortgage "Ukulondoloza"? Can I ukuthengisa efulethini mortgage "Ukulondoloza"?

Eminyakeni yamuva, inani elandayo lezisebenzi izakhamuzi Russian abhekene isidingo yokufuna ingcebo mortgage. Into wukuthi le ndlela ezingabizi kakhulu. Ukuze uthole mortgage, ubuyophetha zonke izingozi, okuyinto cishe kungenakwenzeka. Ngakho ngokuvamile kuba lapho uthenge ngesikweletu izindlu kumelwe lithengiswe. Can I ukuthengisa ifulethi ku "Savings Bank" abatshelekayo?

Kungani ukuthengisa ezindlini e mortgage?

Isizathu esiyinhloko ukudayiswa ingcebo etholakala mortgage, ukungabi khona izimali ukukhokha izikweletu ebhange. kungenzeka Izizathu yokuthi kukhona eziningana. Lapha yibo ezivamile:

• ukunciphisa umsebenzi wamanje umboleki sika;
• umehluko phakathi eduze, okuyinto ndawonye ukukhokha loans ikhaya ;
• sehlukaniso;
• Ukufa kwesihlobo owasiza sokukhokha imali ebolekiwe;
• ukukhubazeka, lapho lo muntu obolekayo akenzanga ukuthi umshwalense.

Njengoba amabhange athengisa mortgage ingcebo

Lapho lo muntu obolekayo akanawo kungenzeka ukuba abuyisele nokukhokhela esifike ngesikhathi, ngokuvamile okuwukuphela kwendlela iyona ukudayiswa kwezindlu okunjalo futhi ukuthengwa ezintsha, eshibhile. Ukuze uthengise ifulethi ngaphansi mortgage "Ukulondoloza" Kungenzeka, kodwa kumele atholakale lesinqumo ezifanele.

Ibhange unesithakazelo yokuthi inkokhelo wathola ngendlela esifike ngesikhathi ngaphandle ubuhlongandlebe. Ngakho-ke, ukuze sigweme izimo ezinjalo ngokuvamile ukusiza ababoleka ukuthengisa impahla.

Ukuze uthengise efulethini ngokusebenzisa mortgage "Savings Bank", kubalulekile ukukhipha inkontileka ukudayisa ingcebo. Uma indlu ithengiswe, ibhange uzokwenza inzuzo, ngoba ululama imali ngaphambilini eyakhishwa futhi uthole umboleki entsha.

Ukususa encumbrance

Ngokusho uMthetho Federal "Ngo Mortgage" (izihloko 29 no-33), njengoba uchitshiyelwe ngesigaba 2013, amalungelo umboleki yilezi:

• ukusebenza ingcebo, okuyinto eyisibambiso ebhange;
• yesondlo impahla ngendlela efanele yokuhlala.

Encumbrance ngokuthi ukuthi zibeka imingcele welungelo bemvelo ahlukahlukene, exhunywe benethuba ukusebenzisa izindlu. Uma sikhuluma mortgage, umboleki unelungelo ukudlulisela besithathu atholwe impahla. Lo myalo ilawulwa uMthetho Federal 102 (Article №6). Njengoba okuhlukile, sicabanga kuphela uma ifa.

Ukususa encumbrance kusho ukuthi umnikazi welungelo kuyakuba ekhululiwe ukwenqatshelwa ku ukudluliswa kwempahla futhi kungaba asisuse ngendlela othanda ngayo. Susa umthwalo ezindlini okuphephile kungaba kuphela uma lo muntu obolekayo wathola kwemvume ebhange ayemkweleta futhi esebenzise yonke izinqubo eziphathelene ukudayiswa.

Indlela ukudayisa ifulethi, ithengwa a mortgage, "Savings Bank", ngaphandle kwemvume

yasebhange isinqumo ayidingekile uma umboleki uye lithathiwe encumbrance. Uma lo muntu obolekayo ngokumelene kweqhaza yasebhange lapho ukuthengisa ingcebo, kubalulekile ukuba abuyisele imali eyayiyikweleta kubo. Indlela ukudayisa efulethini mortgage "Savings Bank" kuleli cala? Kunezindlela ezimbili.

Obolekayo kungathatha omunye ebolekiwe, umthengi. Phela amaphepha adingekayo futhi bathole imali edingekayo ukuze abuyisele izikweletu imihle mortgage izoqoqwa. Khona-ke ungakwazi ngokuphepha uqhubekele ukudayiswa.

Ungase futhi uthole umthengi ngubani akesabi ukuba izifake engozini futhi ezimisele kholwa "igama elithi" umdayisi. Kulokhu, irisidi senziwa, owawuthi umdayisi uthatha imali umthengi ukukhokhela sonke isikweletu sendlu. Ngakho, icala lisuswe. Nokho, lezi abathengi thola kunzima ngempela.

Indlela ukudayisa ifulethi nge encumbrance (mortgage "Savings Bank"), ngaphandle uma imvume etholakala

Ukuze uqalise iwukuya isiphathimandla ebhange. Uma lo muntu obolekayo okunengqondo ukuza ingcebo yokuthengisa amaphuzu yezizathu, ibhange uzoya ukuhlangabezana futhi unikele ngendlela eyiyo ukuxazulula le nkinga.

Lokhu kulandelwa inqubo ukulungiselela kwemvume ebhalwe ebhange. Uma umthengi, umboleki kumele azise ebhange mayelana ukudayiswa nokuthengwa imininingwane, njengoba e-mortgage abolekise sivumelwano kungase kudingeke wenze izinguquko ezithile.

Mortgage lempi

Indlela ukudayisa efulethini mortgage "Savings Bank", uma impi? Mortgage Military Umehluko wukuthi izivumelwano ku abolekise futhi ithemba loans ngemvume ngesikhathi esifanayo. target nesivumelwano sokubolekwa imali izindlu kufanele ihlolwe futhi esihlelwe ejensi "Rosvoenipoteka". lingathengiswa efulethini mortgage ku "Savings Bank" usesimweni esinjalo - iphuzu moot. Njengoba ukwamukelwa yonke imininingwane edingekayo njengoba nebhange, kanti ne "Rosvoenipotekoy" amaphuzu abalulekile yilezi:

• uhlobo umsebenzi ikhasimende;
• Isiteji izinkokhelo ku loan;
• ukuthi umthengi ukubuyisela leyo izinkokhelo zenyanga.

Yamadivayisi ngaphandle iqhaza ibhange

Njengoba umboleki oyifunayo angafeza kuthengiselana ukudayisa ifulethi bebodwa, ngaphandle ukubandakanywa ibhange kule nqubo. Uma umthengi kuyadingeka:

• ukuthola inani izikweletu futhi uthole isitatimende ezifanele;
• ukuze isivumelwano zokukwazi ukuthengwa kwempahla QINISA ummeli olungisa izivumelwano zakhe;
• ukukhokha izikweletu kusuka izimali ezibekelwe umthengi, lonke inani ngesikhathi esifanayo egcinwa ebhokisini idiphozi ukuphepha ;
• ukuthola imibhalo ebhange ukuthi siphakamise encumbrance;
• zisebenza regpalatu, encumbrance isusiwe emva kwezinsuku ezingu-28;
• ngemva kokuthola amalungelo ukulahla impahla ukusayinda inkontileka sokuthengisa.

Lokhu kungabuye kwenziwe ngokusebenzisa ingcebo ejensi. Kulokhu, umthengisi ngeke angene inkhulumomphendvulwano ebhange ukuqoqa imibhalo bese ubheka abathengi ezindlini. Lezi zinkinga uzobe abasebenzi ejensi kubhekwane. Amasevisi afana lizokhokhiswa ngesilinganiso esingamaphesenti 5-10% yezindleko ingqikithi yezindlu.

Ukuthengiswa iqhaza ibhange

I umthengi nomthengisi ziyasuswa e ezimbili ebhange idiphozi ephephile amabhokisi. Umthengi abelana isamba zibe izingxenye ezimbili, enye liyadingeka angabuyisela izikweletu, owesibili uzothola emva kuthengiselana umdayisi. Ukufinyelela amaseli uzokuthola umdayisi phezu isethulo of inkontileka ababhalisiwe ukudayiswa kanye nesitifiketi ilungelo impahla engenakususwa. Uma deal ngesizathu esisodwa noma kwenye akazange athathe indawo, umthengi angawususa imali. Uma nje imali uku ephephile idiphozi ibhokisi regpalata kususa encumbrance kwenzeka yokubhalisa kuthengiselana ngokusebenzisa ummeli olungisa izivumelwano, okuyinto kukhethwa umbolekisi ebhange.

Ngokuvamile ungalithengisi impahla, kanye mortgage, owawuthi yathengwa. Indlela ukudayisa ifulethi, ise-mortgage, "Savings Bank", uma kukhona umboleki entsha? Le nqubo liyalingana yasebhange, kanti lo muntu obolekayo entsha ungafaka isicelo izinga entsha phezu loan. Umdayisi uthola umehluko phakathi ukubaluleka efulethini futhi okusele izikweletu.

Uma umthengi uthatha efulethini eseduze emalini ebolekiwe mortgage, kungcono ukukwenza kwelinye ibhange. refinancing inqubo ebhange entsha uhlale nzima.

Wokukhokha intela ingcebo yokuthengisa

Imithetho nokukhokhwa kwentela yokuthengisa mortgage izindlu ezifana nalezo ezisebenza ukudayiswa amafulethi, okuyinto vele ephethwe. Uma efulethini is owned by iminyaka engaphezu 3 ke umthengisi-umboleki okhokhela intela ku ukudayiswa. Uma Nokho, kusukela kokuthola ilungelo lempahla Sekuphele iminyaka engaphezu kuka-3, kusukela intela nomthengisi ekhululiwe.

ezibalulekile

Indlela ukudayisa ifulethi ku "Savings Bank" indlu namakhadi ugweme ukulahlekelwa kwezimali etshaliwe? Lena ngempela umsebenzi onzima, ngoba mortgage izindlu idayiswe, ngokuvamile ngamanani aphansi. Ukuthengiswa mortgage efulethini ihlala ngesikhashana eside futhi kudinga ukuqoqwa esiningi imibhalo, futhi ukukhokhelwa senziwa ngokheshi. izingozi ezinjalo azizintsha neze ukusithatha abathengi abaningi ezingaba khona. Kokudayiswa ingcebo mortgage lokucabanga izindleko kahle eliphezulu.

"Savings Bank", kanye nanoma yimuphi omunye sesikweletu, ngempela uyoveza kuthengiselana ukulawula zonke izigaba. Ngaphandle kosizo yesikweletu samanje ibhange akunakwenzeka ngisho ukubhalisa inkontileka sokuthengisa ngu "Rosreestr". Uma ithengiswe izindlu kuyakhiwa ukuvuselelwa isivumelwano nokulingana (ukunikezwa kwamalungelo), khona-ke ibhange khona imali ye-1% lemali ezibekelwe lona ukuze ukuthengwa kwezindlu. Zonke izigaba kuthengiselana kumele zibhalwe ngendlela yesivumelwano ku mortgage.

Indlela ukudayisa ifulethi ku "Savings Bank" abatshelekayo? Lena inqubo eyinkimbinkimbi isikhathi ukudliwa edinga izindleko elikhulu futhi isikhathi. Nokho, uma isinqumo sokugcina ukudayiswa mortgage izindlu, kungenzeka. amadili ezinjalo okuyingozi kakhulu, ngakho izindleko mortgage amafulethi emakethe kakhulu ephansi, futhi abathengi mancane uzimisele ukuwuthatha izindlu ezinjalo.