Kuphi nokuthi ungathatha kanjani imali ekhokhwayo e-Chelyabinsk - izici nezincomo

Kuze kube manje, inkinga enkulu yomndeni osemusha ukuthengwa kwezindlu zabo. Kunzima kakhulu. Uma izihlobo zingenalo ithuba lokusiza abantu abasha, khona-ke kuzodingeka ziboleke emabhange ezinenani eliphezulu. Naphezu kwazo zonke izinhlelo zikahulumeni, ukubuyiselwa kwemali mboleko enkulu akwanele kuwo wonke umndeni. Izinkinga zivela esimweni sokuklama. Amabhange azama ukunciphisa izingozi zabo, ngakho-ke bahlela ukuhlola okuhlukahlukene kwimininingwane enikeziwe. Namuhla sizoxoxa mayelana nokuthi singathatha kanjani imali e-mortgage e-Chelyabinsk, yiziphi izinkinga ezingase ziphakame nokuthi yini okudingeka ikulungele.

Inikeza usizo

Namuhla bangabonakala cishe yonke indawo: "Ngizokusiza ukuthi uthole imali mboleko," "Ngizokhipha imali yokukhokhela umvuzo omncane," nokunye okunjalo. Kodwa kudingeka uqaphele ukuthi akekho ozothatha izingozi ezingadingekile. Inhloso yalezi zikhangiso ukuqoqa ikhomishana ye "usizo." Makube ama-ruble angu-500 noma angu-1000, kodwa abaxhumanisi abanjalo abanomthwalo kunoma yikuphi, ngoba bafake isicelo ebhange, okuzokwenza ukuthi banikeze impendulo yokugcina. Ngokuphumelela okufanayo ungenza isicelo ebhange nakuwe. Kodwa njengoba kungelula kakhulu ukuthatha isikhwama sempahla e-Chelyabinsk, abantu banquma ukuvuselelwa futhi bakhokhele inkonzo "kubachwepheshe".

Izinhlelo zokubolekisa - ziyasebenza?

Ngokungangabazeki, ukuthengiswa kwansuku zonke kwenziwa futhi abantu bangena ezindlini ezintsha. Enye into ukuthi ukuqinisekiswa kwedatha yekhasimende kunembile kakhulu. Kodwa kukhona nezingozi ebhange. Isikhungo sezezimali kufanele sinikeze ngamabhulekhi ayizigidi ezimbili kuya kwezinhlanu, bese ulinda iminyaka engamashumi amabili ukubuyisela le mali. Futhi uma umuntu eminyakeni embalwa egula kakhulu futhi elahlekelwa mayelana nalo msebenzi? Futhi indlu yaveza izingane ezincane? Ingabe ibhange lizokwazi ukuqaphela le ndlu, okuyinto impahla yobunikazi, noma kuzothatha iminyaka eminingi ukuqhuba amacala nekhasimende? Zonke lezi zingozi ziholela emazingeni aphezulu ezithakazelo. Okusho ukuthi, abakhokhayo bahlanganisa nokulahlekelwa okwenziwa yibhange ezimweni ezinjalo.

Imibandela yamabhange

Namuhla sifuna ukuqonda ukuthi singayithatha kanjani imali e-Chelyabinsk. Njalo ngonyaka kunezikhwama ezingaphezu kuka-20 000 zezindlu ezikhishwa kule ndawo. Ngesikhathi esifanayo, lezo zinhlelo zinikelwa amabhange angu-20. Abaholi yi "Sberbank waseRussia" futhi "VTB 24". Ngaphandle kwabo, amabhange "Otkrytiye", "UniCredit", "MDM Bank", "Rosbank", "i-Alfa-Bank", njll isebenza kule ngxenye. Kusukela kusifunda - "i-Chelyabinvestbank", "UralPromBank" ne "Uglemetbank".

Kodwa-ke, izimo zinzima kakhulu. Amanani afinyelela ku-22.4% ngonyaka ngonyaka wezimali ze-ruble kanye no-12% wezikweletu zemali zangaphandle. Kulesi simo, izinga ngokuqondile lixhomeke ekutheni iklayenti lakwazi kangakanani ukuqinisekisa ibhange le-solvency yalo. Ngakho-ke, uma ucabanga ukuthi ungayithatha kanjani imali e-mortgage e-Chelyabinsk, udinga ukukhuluma nomqashi ukuze izintela zikhokhwe kulo lonke inani lomholo. Ngaphezu kwalokho, vula idiphozi ebhange elikhethiwe bese uqala ukwehlisa inani elithile inyanga ngayinye. Cishe unyaka owodwa kamuva uzoba nokuqinisekiswa kwe-solvency. Abahlanganyeli bemiklamo yeholo, kanye nabalokweleta abanenani elilinganiselwa ku-30% lokubaluleka kwalesi sakhiwo, bangaba nesilinganiso senzalo esincane.

Izidingo eziyisisekelo

Akuwona wonke umuntu onesikhathi sokuxazulula izinkinga nomqashi futhi ugcine imali kwidiphozi. Ungathatha kanjani isikhwama se-Chelyabinsk ngokushesha? Ukuze wenze lokhu, kumele ube nento endaweni yakho ibhange elingayithatha njengebhondi. Isibonelo, unezindlu ezimbalwa. Ibhange lingathatha amadokhumenti njengokuphepha futhi linikeze imali yokuthenga enye. Noma udinga ukuba nenkokhelo ephansi. Okubaluleke kakhulu, kuzoba lula ukwenza isivumelwano. Isitifiketi esinikezela ilungelo lomthamo womama singasetshenziswa njengengxenye yokuqala. Kunezinye izinsizakalo zikahulumeni ezamukelwa yizikhungo zebhange. Ngokwesibonelo, kunesimiso esikhethekile sabasebenzi basezempi.

Uma ungenayo yalezi ezingenhla, zama ukunikeza imibhalo eqinisekisa ukuqina okusebenza komsebenzi enhlanganweni eyodwa kanye nomholo ophezulu osemthethweni. Kulokhu, amathuba okucutshungulwa kwesicelo sakho awela, kodwa agcinwa. Futhi uma amacala afakwe ohlwini akusebenzi kuwe, futhi akukho imali eyanele yokukhokha isitolimende sokuqala, awukwazi ukusebenzisa imali ekuhambeni kwamabhange - impendulo izoba yinto engafanele.

Sibala ukukhokhwa kwenyanga

Qinisekisa ukuthi uhlola amakhono akho. Ngenxa yalokhu, kunezibalo ezikhethekile ezizokuvumela ukuba ulinganise ukuthi uzothola imali engakanani e-Chelyabinsk. Umphathi webhange angabala futhi amazinga ezenzalo mahhala. Uma uthatha ama-ruble ayizigidi ezingu-2 iminyaka emihlanu, ukukhokhelwa kwenyanga kuzoba ngama-ruble angu-45,000. Lokhu kungukuthi sikhuluma ngenani lentela ephansi kakhulu, okungukuthi, i-12%. Ukunciphisa izinkokhelo zeminyaka engu-10, uthola imali ekhangayo, okungukuthi ama-ruble angu-28,000. Khona-ke uzolahlekelwa okuningi ngenxa yokukhokhwa ngokwezimali. Isibonelo, ukuthatha isikweletu iminyaka engu-20, uzokhokha kuphela 6000 ngenyanga ngenyanga encane, kodwa unike kabili okuningi.

Okufanele ukwenze emndenini omusha

Ngakho-ke, uma ungabaza ukuthi isicelo sizovunyelwa, zama ukulondoloza imali ethile. Yebo, kunzima, ikakhulu uma uqasha indawo yokuhlala. Ungakwazi ukuthuthela okwesikhashana kubazali, kanye nenani elahle ukuyokhokhela izindlu, ukuhlehlisa kabusha, ukungezelela kulokhu okungenani okufanayo. Iyala futhi ijwayele ukuphila esikhathini esizayo ngemali mboleko. Inqubo yokukhokha isinde kakhulu. Ukubolekisa labo abasanda kushada, uzoba nesikhathi sokukhulisa izingane ngaphambi kokuba uyikhokhe ngokuphelele.

Izikweletu eziningana

Njengoba i-mortgage yezindlu e-Chelyabinsk eqinisweni, kodwa empeleni udinga ukuzama ukuyithola, kufanele uhambe ngobuqili. Unayo izikweletu? Khohlwa mayelana nokuvunyelwa kwesicelo. Ngcono kakhulu, uzonikezwa ukubuyekezwa kwesibili kwesicelo ngokukhokha okugcwele. Yiqiniso, ngaphambi kokuba uthole imali kusuka kuleli bhange. Ngakho-ke, yini okudingeka yenziwe? Thola indawo yokuhlala, abanikazi bayo abavuma ukulinda isikhashana. Dlulisa amadokhumenti ebhange. Uma ungenayo imali eyanele yokukhokha isitolimende sokuqala, kuzodingeka uthole nge-loan yesibili.

Ukuqaphela ukubuyekezwa, akuvamile ukuthi uphika amakhasimende ayo i-Delta Bank. Kodwa kufanele sikhumbule ukuthi amacala angenathemba ngeke ashiwo noma yikuphi. Okungukuthi, lezi zikhetho uma umuntu engenawo umshwalense, ukukhokha okuphansi, umsebenzi osemthethweni. Emva kokuthola impendulo esemthethweni ukuthi isicelo sivunyiwe, ungafaka isicelo esisheshayo esikweleta semali sabathengi ehlukile. Kuyo ungakwazi ukukhokha ngemalimboleko ekhona, esele "ivuliwe" ngesikhathi sokucwaninga, futhi ithwale imibhalo exhasayo ebhange lapho uzokwenza khona imali. Isamba esisele senza inkokhelo yokuqala.

Izinkinga zokuqala

Uma ucabanga ukuthi lokhu kungukuphela, uphutha. Yilungele ngokushesha, kuyimali yokuboleka imali. Ungathatha indawo yokuhlala e-Chelyabinsk, kodwa lokhu kuyinde futhi kuyabiza imali. Ngakho-ke, uma kwenziwa isinqumo esihle, udinga ukuyala ipasipoti ye-cadastral futhi ukhokhe ukukhiqizwa kwayo okusheshayo. Ngemuva kwalokho, abamele inhlangano yokuhlola bazofika kuwe ukuhlola indawo okumele izuzwe. Kuzobiza ama-ruble angu-2000. Uma unenhlanhla, kukhona ukuqinisekiswa kwemali engenayo futhi izinga lesithakazelo lilinganiselwe, khona-ke lizoba ngu-12.5 ngonyaka iminyaka eyishumi neshumi nanhlanu.

Kodwa akusikho konke. Lapho ukhetha ukuthi uzothola kuphi imali e-Chelyabinsk, zama ukuthola ibhange lapho kungekho ikhomishini yokukhishwa imali. Uma kungenjalo uzokhipha okungaphezulu kusuka ku-11000 kuya ku-25000 ruble. Ngokufanayo, umshuwalense wefulethi (isihloko nokuphepha), kanye nokuphila nempilo yomboleki. Khokha njalo ngonyaka. Ungakwazi ukuphuma ngaphandle komshuwalense, kodwa izinga lesithakazelo lizovuka. Yakha amaphrimiyamu omshuwalense avela ku-7000 kuya ku-10 000 ama-ruble ngonyaka.

Ukuvunyelwa kwemali

Njengoba ungabona, konke akuyona okusheshayo futhi engabizi njengoba kubonakala. Ngakho-ke, ngaphambi kokuba ucabange ukuthi ungayithatha kuphi futhi ungayithatha kanjani indlu yokuhlala eKhelyabinsk, kufanele uhlole kahle amandla akho wezezimali. Ibhange lizovuma indlu ekhethiwe ezinsukwini ezimbalwa kusukela ngesikhathi abahloli bezicelo befika. Ngemuva kwalokho, ungenza isandulela kumdayisi, 15% wezindleko zezindlu. Khumbula, senzelwe isikweletu somthengi ngalokhu. Kwezinye izimo, ibhange lingadinga u-30%, le mali ishiwo nje njengomnikelo wokuqala.

Isivumelwano ngokwazo sizokwenzeka ngesonto. Manje udinga ukuza ehhovisi lasebhange uphinde ubhalise wonke amaphepha. Umthengi ubhala irisidi ukuthi wathola inkokhelo ephansi. Manje ungaya ku-Regpalat bese ubhalisa isivumelwano. Cishe ngesonto, imibhalo izobe ilungele. Manje uthole i-mortgage ebhange, futhi ngokushesha nje lapho ifika kubaphathi, umthengi uzokwazi ukuthola imali egcwele ku-akhawunti yakhe.

Indlela yokuthatha imali yangaphandle ngaphandle kokukhokha

E-Chelyabinsk, nakwamanye amadolobha aseRussia, kungaba nzima kakhulu ukuthatha izikweletu eziqhathaniswa nabathengi. Ngakho-ke, abathengi bavame ukugwema lo mzuzwana bese bekhipha inkokhelo ngezindleko ezigcwele zezindlu. Kodwa kungaba nezinkinga ezinkulu ngalokhu. Ukuze uzigweme, ungaxoxisana nezihlobo ezingahle zihlele izindlu zazo njengezibambiso ezengeziwe. Khona-ke ibhange lizovuma kalula ukukunika inani oyidingayo ukwenza ukuthengwa kokuthenga.

Inketho yesibili ukuthi umuntu abe njengomlondolozi. Kubaluleke kakhulu ukuthi lo muntu unezindlu noma imoto, noma kungcono kokubili. Ngaphezu kwalokho, kumele aqashwe futhi athole umholo osemthethweni.

Cottage noma indlu

I-Mortgage eya endlini yangasese e-Chelyabinsk ithathwa kanzima nakakhulu kunendawo yokuhlala. Namuhla lolu khetho lubhekwa imindeni eminingi. Ngomunye umuntu kuyithuba lokuhlala endaweni ehlanzekile ngokwemvelo, abanye bafuna ukukhula imifino nezithelo ezisesimweni sabo. Kunoma yikuphi, indlu yangasese ibukeka ikhangayo kakhulu kunefulethini elincane. Ngeshwa, ukuthenga kuyabiza kakhulu, ngakho kuzodingeka usebenzise imali ebolekiwe.

Yiziphi izinkinga?

I-home mortgage e-Chelyabinsk izovunyelwa kuphela uma ihlangabezana nezidingo eziningi. Lokhu kuyinto enamanzi angaphansi kwefulethi. Ngakho-ke, amabhange ahlola ngokucophelela isimo sawo, indawo ngisho nezinto ezakhiwa kuwo. Lokhu kuyaqondakala, ngokuyinhloko banesithakazelo ukuthi bangayithengisa masinyane bese babuyisela imali esetshenzisiwe.

Kwezinye izinhlangano zezikweletu uzotshelwa masinyane ukuthi ngeke kwenzeke ukukhipha isakhiwo sezindlu eKhelyabinsk. Ukukhishwa kwezindlu kumakhaya emabhange kukhishwa, udinga nje ukuqoqa amadokhumenti amaningi. Ngakho, kunezici ezimbalwa eziyinhloko.

• Uma indawo yefulethini ayinayo impikiswano enkulu esixazululweni, khona-ke lapha kuyoba yisici esiyinhloko. Ukuxhumana kanye nesimo sezobuchwepheshe zendlu kuzodlala indima ebalulekile.
• Isibambiso sithembele esakhiweni sezwe.
• Intshisekelo yokukhwabanisa kuyoba ngaphezulu kunezezindlu.
• Kuzodingeka ukuthi sincike emakhomishini engeziwe ebhange.

Esikhundleni sokuphetha

Njengoba ubona, ukubhaliswa kwemali yokuthenga impahla kudinga ukubuka okujulile kwezinto nokutholakala kwephakheji eligcwele lamadokhumenti ongaqinisekisa i-solvency. Uma namuhla ungakakulungeli ukuwahlinzeka ebhange, cishe kusencane kakhulu ukucabanga ngemali yokuboleka imali. Ungaya ebhange bese ucela ukubalwa kokuqala. Ukuze wenze lokhu, thatha isitifiketi seholo, tshela umphathi mayelana nemali ebolekiwe, impahla, ibhizinisi. Kulesi simo, uzokwazi ngokucacile ukuthi ungalindela yini.