Kuyini AHML? Izici kwenhlangano

Nokuthathelwa eside kubhekwe isevisi ethandwa ngoba ikuvumela ukuthenga imizi yawo. Ngenxa yale njongo Agency yasungulwa, okuvumela ukukhipha lolu hlobo loan. It inikeza izinhlelo nemigomo nemibandela yabo, okungase advantageously futhi enokwethenjelwa ukuhlela mortgage. Ngaphezu kwalokho kulesi sihloko sizochaza lokho AHML futhi yiziphi izimo oluwanikeza abanikazi izindlu.

Umcabango

Ngakho, liyini AHML? I-Ejensi wezeziNdlu Mortgage Ukubolekwa. Inhlangano yasungulwa ngo-1997. Isizathu sokuba indalo yayo kwaba umphumela imithetho kahulumeni ka 1996. AZHIK amasheya esidlangalaleni ephethwe.

Izinhloso nemisebenzi isakhiwo

Kuyini AHML izakhamuzi? Inhlangano has le migomo elandelayo:

• Ukudala amazinga iyunifomu for abatshelekayo yokuhlala.
• Ukunikeza ukubolekisa okungabizi.
• Kuphethe mortgage refinancing.
• Ukudalwa emakethe yesibili.
• Kumiswa izibambiso emakethe.

Futhi iyini AHML yezwe? Le nhlangano kwenza ukuthuthukiswa kwemikhiqizo indlu, futhi ukunikeza zezimali amabhange. Leli zwe AHML izinhlangano yombuso kanye egadiwe ezingeni lesifunda.

Nge amabhange ngokuthi Agency lucwaningo umsebenzi ngendlela elandelayo:

• Bazimisele imigomo loan futhi wenziwa kokuxoxisana umboleki.
• Umlingane Osebenzelana Naye imali ebolekiswayo ebhange kunikezwa.
• AHML ukuthenga kusuka kwesokudla umlingani isikhungo sika yezimfuneko credit.
• Okushiwo ukumangalelwa mortgage ejensi uthola ngokubheja izibopho emakethe yamasheya.
• Ngemva kokushintsha umbolekisi umboleki ithola isaziso sokuthi mortgage sidluliselwe Agency, nemininingwane entsha ukukhokha. It kuvela ukuthi ngaphansi kokunikezwa isikweletu nguhulumende.

Isifanekiso ngenhla kubonisa ukuthi imingcele yesivumelwano izimo ezikhangayo ezingaphezu kuka amabhange yangasese. Lokhu kungenxa inchubomgomo yembuso, okwenza abatshelekayo etholakalayo. Kodwa kungase kube amashaji angeziwe kusuka amabhange.

izinzuzo

Abaningi baphendukela ekusebenziseni le HMLA. Mortgage ababoleka usizo has izinzuzo ezilandelayo:

• Kuyinto somphakathi.
• Njengoba iklayenti efinyelela inhlangano yasebhange ukuthi unguphathina we Agency, lo somabhizinisi wenza umsebenzi nokuvikeleka izinguquko ekuqaleni okuxoxiswene imigomo.
• Le nhlangano inikeza izinhlelo ezihlukahlukene indlu, njengoba kubhekelwe amaqembu ahlukene abantu.

nebubi

Kodwa kukhona ezinye umehluko wemisindo nemiqondo yamagama kanye nokubambisana AHML. Nokuthathelwa enhlanganweni has nezihibe:

• Izicelo ezocatshangelwa isikhathi eside, okuyinto lihlotshaniswa a esinezinyathelo ukuhlaziya imibhalo - umsebenzi wokuqala wenziwa yi-Ejensi ke ebhange.
• Ukunikezwa ezinye amabhange ancintisane Agency kanye anezinga izindawo ezingconywana.

Izimfuneko ababoleka

Amabhange iqhaza kulolu hlelo, izimo umsebenzi Agency futhi afeze abolekise yabo. Ngokwesibonelo, e-izindinganiso ngakuwo, kukhona inqubo mortgage refinancing futhi babe ukwesekwa. Futhi kukhona izidingo khona labo ukuthengiselana.

Ababoleka imali kumele bahlangabezane mibandela elandelayo:

• Ukuba khona yisakhamuzi isiRashiya, ukubhaliswa endaweni yokuhlala noma ukuhlala e nokubhaliswa udumo.
• Nokuthathelwa okunikeze ku izakhamuzi abaneminyaka engu 18-65.
• Ngaphansi omunye inkontileka akufanele bube ngaphezu kuka-3 ababoleka.
• Umboleki kuqinisekisa isitifiketi engenayo 2NDFL noma sigcwalisa ifomu, okuyinto olunikezwa AHML.

Imininingwane credits ukwethula at the Internet esemthethweni HMLA. Le nhlangano uqaphe ukuhambisana namazinga kuleli zwe, ngakho abatshelekayo ke ubhekwa okuthembekile.

izinhlobo izinhlelo

Uhlelo ngalunye AHML libhekene izici ezilandelayo:

• Ukubolekwa anikezwe in ruble.
• Inkokhelo yokuqala ayi-10-30% wenani impahla.
• Inani yokukhokha singadluli 45% emali iklayenti sika.
• Kudingeka ukhiphe umshwalense.
• Uma usayizi ukukhokhelwa phansi engaphansi kuka-30%, kubalulekile ukuba ukuthathelwa umshuwalense wemfanelo umboleki.
• Insure ukuphila kungaba njengoba oyifunayo.
• Ezezindlu esetshenziswa njengoba izibambiso.
• Umkhawulo loan eside uneminyaka engu-30.

AHML Uhlelo ngalunye kunezinzuzo zako kanye nebubi. Omunye wabo - "Entsha". It iklanyelwe ukunikeza abatshelekayo ze ezindlini e izakhiwo ezakhiwa ngemva 2007. Uhlelo kwafinyelela izindlu "umnotho" amakhaya. Ukukala kuyinto 6.15% -11%.

I "inhlokodolobha sikanina 'ikuvumela ukwandisa inani lesikweletu ukulithola inani capital. Futhi isetshenziswa ukukhokha inkokhelo yokuqala ka- 10%. Izinga kuyinto 7,65-10,75%, uma izimakethe zezindlu primary, futhi 8,65-12,45% ngoba emakethe yesibili.

I "Mortgage Military" yakhelwe abombutho ngubani iqhaza yokonga mortgage uhlelo (NIS). Abakwazi ukuthola loan ruble ezingu 2.2. On lemali mortgage kwemali engenayo ayiphazamiseki. Igama elithi esiphezulu kunqunywa uma ikhasimende kuyinto engu-45 ubudala.

Uhlelo ngayinye ikuvumela ukuthi uthole mortgage ku ngaphansi kwezimo ezimvunayo. imvume futhi isiphetho izinqubo walokhu ulula. Amaklayenti banikwa izinzuzo ezingaphezu kuka ekulungiseleleni bengatshelekwa ejwayelekile.