Kungenzeka yini eRussia ukuthatha mortgage ngaphandle inkokhelo phansi

Mortgage eRussia Lihlobene nokubhekana ubuso ebugqilini esaphila, isizathu ukuthi amanani entengo aphezulu izindlu kuqhathaniswa komholo ojwayelekile, futhi eziphezulu zenzalo (10% nangaphezulu). Ngenxa yalokho, ishejuli yenkokhelo ngoba ngokuvamile umkhaya sisalokhu cishe ukuze impesheni. Igama elithi isilinganiso abatshelekayo - engu-17. Phakathi nalesi sikhathi, lo muntu obolekayo ukhokhela izikhathi ezimbili ezintathu izindleko efulethini.

Naphezu yayo "eqolo" Izinga abatshelekayo ezweni lethu kanye funa ulungisiswa. Inkinga ye "indawo yokuhlala noma indlu" livela mortgage kunenzuzo ngoba izinkokhelo zenyanga ithunyelwa ukuthenga izindlu zabo, kunokuba bayocasha izindleko fixed.

Ngokuvamile, umboleki unenkinga inkokhelo phansi, kodwa kunalokho ukungabi nayo. Kuthiwani uma lokukhokhela isitolimende sokuqala bengatshelekwa ungazange zanqwabelana, futhi ukuqasha ifulethi ungasafuni? Yebo, futhi kanjani ukusindisa, uma iqashwe efulethini "odla" i ingxenye umxhwele ukuqhutshwa!? Thola mortgage ngaphandle inkokhelo phansi ngokuvamile kubonakala uwukuphela kwekhambi inkinga yezindlu ababoleka eziningi, kodwa ingabe kunjalo ngempela? Yiziphi izici nezihibe loan enjalo?

Iphuzu elibalulekile - thatha mortgage kungekho phansi ukukhokhelwa kungenzeka kuphela yesibili ingcebo market, njengoba isikweleti sendlu emkhakheni wetemphilo lihlotshaniswa izingozi okusezingeni eliphezulu (yokuthengisa double, ukwakhiwa eside, njll). Uma ungeza kula izingozi kanye ematfuba ezizenzakalelayo eside loan esikhishwe ngaphandle inkokhelo phansi, izingozi ibhange BakaJehova igqanyiswe ngokwengeziwe. Njengoba kulindelekile, ezifana izimo, ikhredithi inhlangano ayikalungi futhi ngeke sisebenze.

Nokuthathelwa ngeqanda phansi lokukhokha kuphela efanelekayo kulabo abe inkokhelo ozinzile futhi ephakeme, ngoba izinkokhelo zenyanga lizophakama. Ubudala nakho kubalulekile: kubalulekile ukuthi loan yavalwa kuze yobudala umhlalaphansi umboleki kanye guarantors yayo.

Njengoba kufanele ucabangele amabhange, mortgages kungabikho lokukhokha phansi - ibhizinisi okuyingozi, ngakho inani lenzalo kuyoba ephakeme kunaleyo kwi mortgage nge kusengaphambili.

Futhi khumbula ukuthi lapho wenza isibambiso kwezindlu zidinga usizo ethengiswayo kanye umshwalense komhiaba.

Kukhona izinketho ezimbili uthole mortgage ngaphandle inkokhelo phansi kukhona. Inketho yokuqala - ungahleli eyodwa loan umthengi yasebhange inkokhelo phansi mortgage uqobo. Imali kufanele uvumele ezimbili sokukhokha imali ebolekiwe, Ngakho-ke, le ndlela kufanelekile ababoleka nge high amandla wokuthenga. Ngokusho nezidingo amabhange ku sokukhokhwa bengatshelekwa akufanele uhambe angaphezu kuka-30% weholo net yenyanga umboleki. engenayo Net - zonke imali bodokotela (okungaba umholo, impesheni, izinzuzo, njll) ngaphansi izikweletu (imali-mboleko yendlu, ukondla obushade naye emuva kwesehlukaniso).

Eyesibili inketho - ukukhipha isibambiso kwenye yezindlu ezikhona. Ngakho kubalulekile ukuba acabangele ukuthi ibhange wadumisa isamba esingeqile 90% yentengo, ngaleyo ndlela kuncishiswe ingozi ukulahlekelwa kwayo ekwindla emuzini amanani. Ezinye amabhange ngisho anikele inkokhelo phansi walala abantu abaseduze flat (njengabazali) ka umboleki. Lokhu isiqondiso mortgage abolekise e yokufunwa kakhulu, njengoba abazali bazama ukusiza izingane zabo esekhulile, kodwa ngaphambi kokuthatha umhlalaphansi kanye nobudala umhlalaphansi ayikuvumeli ukuba ukukhipha loan eside. Ukwenza eyisibambiso efulethini yesibili, kudingeka uqonde ukuthi uma kwenzeka ubuhlongandlebe ku mortgage ubeka ngaphansi ingozi yokungabi nakhaya yabathandekayo babo futhi bona elahlekelwa ezithandwayo zezingoma square metres. Ngakho-ke, kubalulekile ukuba soberly ukuhlola amakhono abo, ngesikhathi esifanayo ngaba nokuzethemba ikhono lazo ukukhokha, ekulondolozweni neyesikhathi eside ukukhula imali yakho (iholo).

Ngakho, thatha mortgage ngaphandle inkokhelo phansi unganika intsha anamandla itshe lemali esemthethweni, kanye omuhle credit umlando abafisa ukuthenga izindlu emakethe yesibili, futhi kuhle - kokuba khulula ketshezi ingcebo (noma umuntu wesithathu) I-mortgage wesibili.