Indlela yokukhokha ku loan ingaphansi omakhelwane? Sberbank mortgage imigomo

Iba ngumnikazi isidleke sakho siqu umndeni kungenziwa ngokusebenzisa imali yabo hhayi kuphela siqu, kodwa futhi izimali ezibolekwe, ezihlinzekwa ngu Sberbank. mortgage imigomo vumela nje ukuthenga isikhala ephilayo, kodwa futhi ukuze uthole izwe ekhaya noma cottage, igalaji noma isikhala yokupaka imoto yakho, umhlaba iziza for ngabanye ukwakhiwa kwezindlu, noma uphinde wakhe indlu bebodwa.

Kulokhu, ungasebenzisa izindlela eziningana ukunciphisa izindleko ukuthola imali-mboleko elithambile, kuhlanganise womama dolobha izimali, futhi ukuba bahlanganyele uxhaso mortgage nohlelo servicemen, kanye izaphulelo imikhaya abasha.

Singakanani isikhathi kuzodingeka ukuba abuyisele?

Imigomo mortgage Sberbank namuhla - ucezwana lokudla kakhulu kulabo abafisa ukuphila besemizini yabo noma endlini yakho. Phela, ungahambisa ngokushesha ngemva ukubhaliswa okwenziwayo futhi ukukhokha irenti - iminyaka engu-30. Ukukhethwa kuyoba loan kuphela izakhiwo ezintsha, noma kunalokho, ukuze sihlanganyele ukwakhiwa ingakamiswa wasungula endlini - ngokushesha ukuhambisa izohluleka, bese ubuyela loan udinga iminyaka engu-12 nje.

Yimalini zingafundwa?

Inani eliphelele ukuboleka akusho ukusungula Sberbank. mortgage imigomo kungagcini kuphela ratio ukubaluleka loan ukubaluleka kuluthola ingcebo. Awukwazi kuthathe ngaphezu 85-90% of the nokuhlola esizimele impahla, kungakhathaliseki ukuthi intengo ebuzwa nabathengisi.

Kubalulekile futhi ukuthi Savings Bank of isidingo ukuletha ukulingana ukuthengwa:

• 10% wenani yayo ngezimali yokufuna izindlu siphelile emakethe yesibili futhi izakhiwo ezintsha, kanye nokwakhiwa kwezindlu endlini yangasese noma ukuthengwa egalaji;
• 15% - on yokufuna ne ukuzibandakanya yezwe ingcebo credit;
• 0% - I-refinancing ka mortgage loans ekhona othathwe nezinye amabhange. Uma ngabe le mali izosiza ukunika Sberbank mortgage imigomo kuyoba inzuzo okuningi.

Isebenzisa lesi simiso - kulapho kwezinsiza abo afakwe kuthengiselana, kanye aphansi izinga ngcono nemingcele loan.

Kungakanani kuyinto mortgage ku Savings Bank?

Savings Bank, mortgage imigomo kahle uma kuqhathaniswa nezinye iziphakamiso abolekise emakethe, linikeza hhayi kuphela imali eningi futhi esikhathini eside, kodwa futhi kuqinisekisa a ngokweqile encane loan. Izinga ezinhlelo ehlukahlukene amakhasimende ezahlukene ezahlukene:

• at 10.5% ngonyaka ungase uthole imali, imikhaya abasha kanye amasosha;
• kweminyaka engu-12% ngonyaka ukunikeza zonke mortgage loans ezinkulu;
• ungakwazi refinance ukubolekisa ezivela kwamanye amabhange amakhulu at 12,25% ngonyaka;
• at 12.5% kungenzeka ukwakha indlu yangasese ngonyaka.

Okukhethayo mortgage ezahlukene kakhulu - nemibandela yokuthola Sberbank amasethi, kuye ngokuthi izinto eziningi. Kukithi ikhono lakho ukukhokha kanye nekhono ngokushesha sikhokhele ukuzibophezela eceliwe nokuthi leso senzo senziwe "uthando" nebhange kuncike kangakanani une ukukhokhela ukusetshenziswa kwezimali waboleka.

Uzodinga ukuba basebenze kanzima ukuze afakazele imbiza nokwethenjelwa nobuqotho bakhe, ukuqoqa ulwazi oludingekayo, kodwa ke umthwalo ibhajethi yakho kungaba elilungile kanye akhokhe ku mortgage kungaba lula futhi kube ngokwemvelo.