Lapho kangcono athathe mortgage - izimo amabhange izimali

Akuwona wonke umuntu Ungathenga indlu maduze. Kulokhu, ungasebenzisa mortgage. ebhange ngamunye unikeza imigomo zenzalo yayo. Isimo isekela indlu, futhi kukhona nezinhlelo ezikhethekile inkokhelo. Kodwa ukuthola ukuthi lapho athathe mortgage, udinga bajwayelane iziphakamiso amabhange ezahlukene.

itemu loan ebhange ngamunye uhlukile. Kuyadingeka ukwazi ngesikhathi esisodwa, ngaphambi kokuthi ukubhaliswa yesivumelwano. Ngokuvamile ukuthatha mortgage iminyaka 10-20. Ukuze umboleki ngamunye ibalwa lokukhokha nyangazonke. Ungenza kube ngaphezulu kwenani elikuvumela ukusindisa isithakazelo.

ukubolekisa evumayo

nge umnikelo kokuqala - omunye uhlobo mortgage imisebenzi eRussia. Ngaphandle kwayo, ungahlela bengatshelekwa ngaphambi nje kokuba bomnotho zeminyaka 2008-2011. Manje lolu hlobo ukubolekwa imali engekho esisebenzayo ngenxa yokuntuleka nokwethenjelwa. Kodwa amabhange anikeza abatshelekayo kungabikho lokukhokha phansi, athandwa kakhulu. Kakade, ukungabondli yonke imikhaya kufanele isizumbulu ngesikhathi esisodwa.

Kodwa manje ungase ukwazi ukuhlangabezana yisikhungo sezinhlangano eziphambili zezezimali ukuhlinzeka abatshelekayo ngaphandle inkokhelo phansi, kodwa amaphesenti kuphela izoke emikhulu. Ngezinye izikhathi kuyadingeka ukunikeza eseduze ngesimo izindlu ekhona. Futhi, zingase zibe khona ezinye izimo.

Ukuhlinzekwa izibambiso

Inketho okahle ukuthenga umuzi wesibili, lapho kukhona abanye uhlobo ingcebo. Kulokhu, amabhange ukunikeza mortgages, kodwa hhayi lonke inani, futhi u-80%. Ngokwesibonelo, uma izindleko efulethini 8 million kuzonikezwa 10 million ..

Ungathatha impahla ngokusebenzisa 2 nokubonga. Kuphela indlela okufanele zithathwe kwelinye ibhange ukukhokhelwa kokuqala. Kunoma ikuphi, uhlelo ngalunye kuyodingeka imigomo yayo. Njengoba eseduze ngokuvamile kudingeka ukuthi unikeze nezinye ingcebo, imoto. Lokhu yasebhange idinga ukuqinisekisa umboleki, ngoba noma ngabe yisiphi isizathu, abakwazi akhokhele.

umthengi credit

Uma anentshisekelo mortgages, lapho ibhange kungcono ukuthatha? Kungcono ukuba uxhumane nezikhungo okuqinile Russian. Kunokunye ongakwenza - ukunikeza umthengi credit. Kulokhu alinikezwanga eseduze ngesimo izindlu. Amabhange umboleke imali ukuze ruble ayizigidi 300-500, okuyinto alanele ukuthenga indawo, ngisho edolobheni elincane. Kodwa loan enjalo kufanelekile ukuthengwa ingcebo edolobhaneni.

Namuhla, kunenqwaba izinhlelo, kodwa ngempumelelo amaningi abhekwa njengokudla ezimbili kuphela - "Umndeni Young" futhi inhloko-dolobha womama. Ngokusho kwakhe izinzuzo okunikelwe ababoleka ukuze kulawulwe ukukhokha.

Uhlelo "umndeni Young"

Kuphi uthole mortgage emindenini abasha? Kufanele uxhumane amabhange ezisebenza nge isimiso esikhethekile "Umndeni Young". On yona basekela abantu ngemali ukuze ababoleka, kodwa lo mbhangqwana kumelwe abe ezingaphansi kweminyaka engu-35. Imibandela zibandakanya abahlala esifundeni yokuhlala iminyaka engaphezu kwengu-10. Kodwa ngisho ne iqhaza kuhlelo ukuxhasa isidingo ukhokhe imali kwi-mortgage azungeze 20% inani lesakhiwo.

Evumayo loan imigomo ngesisekelo uhlelo "umndeni Young" olunikezwa Sberbank. Ukukhokha okweqile of 11-12% ngonyaka, futhi lokukhokhela isitolimende sokuqala - 12% semali. , Kumelwe balungise amaphepha esilandelayo ukuze iqhaza kuhlelo:

• passport abazali ';
• izitifiketi zokuzalwa zezingane;
• isitifiketi somshado noma sehlukaniso;
• nesitatimende nomholo;
• sicashunwa endlini;
• amakhophi akhawunti;
• ukubhala cwaningo ikhaya;
• isenzo isimo esiphuthumayo izindlu;
• ukubhala ukukhonza njengoba isiqinisekiso khona noma ukungabi khona komuntu impahla.

Lena kuphela uhlu eyisisekelo kwemibhalo, kodwa ibhange kungadinga okunye. Zonke nema-ejensi ekulawula imithetho.

Izimfuneko ababoleka

Nokuthathelwa eMoscow nakwamanye amadolobha Russian yenziwa kuphela ababoleka abahlangabezana nalezi zidingo ezilandelayo:

• yobudala - phezu 23 ubudala futhi eneminyaka engaphansi kwengu-65 ubudala;
• umsebenzi unomphela izinyanga ezingaphezu kuka 6;
• ezweni lapho ukwakhiwa kwezindlu oyokwenziwa, kufanele kube impahla umboleki.

Futhi, zingase zibe khona ezinye nemibandela mortgage. Kungcono ulithathe, izikhungo ezinkulu othembekile zezimali. Phakathi kungenzeka nezinhlangano waphawula Sberbank futhi VTB (Bank), mortgages e ehlinzekwe ku ngaphansi kwezimo ezimvunayo. Uma ufuna ukuboleka imali encane, kungcono zisebenza "Agricultural Bank".

Lapho kangcono athathe mortgage ukubeka phansi izinga ukuncintisana isithakazelo? Kulokhu kungenzeka ukuthenga esigxotsheni endlini. Khona-ke mkhawulo yobudala, ubudala, endaweni yomsebenzi. Kungcono ukukhetha ibhange ezinkulu. inzuzo okuningi ukuthatha mortgage at 13-15% ngonyaka. Kodwa ezikhungweni eziningi zinikeza ebolekiswe ku-23%, konke kuncike kule mibandela. Ezinye amabhange adinga phambili yisiboniso. Kungenzeka ukuthi owokuzalwa noma umuntu esimthandayo.

Yini kuthinta amaphesenti

Nokuthathelwa eMoscow nakwamanye amadolobha Russian luyatholakala at isithakazelo. Lilodwa isikhungo, kungaba ezincane, kanye nezinye - okusezingeni eliphezulu. Kufanele nakanjani sinake imigomo yesivumelwano, ngoba kuthinta inani lenzalo.

Ebolekiswe izinzuzo ezithinta izidingo ezahlukene, isibonelo, umshwalense. Ngokusho le sevisi niyozenezelelwa loan isamba eside. Kodwa umshwalense ezinsukwini eziyi-14 umboleki angenqaba, konke kuncike isifiso sakhe.

Sokunquma mortgage yokukhokha esetshenziswe Annuity yokukhokha, ngenxa okwandisa inani lenzalo. Kodwa abaningi bakholelwa ukuthi lokhu uhlelo zokuhlala iyona imfucuza kahle ibhajethi umndeni. The eside mortgage, the ephansi izinkokhelo zenyanga.

Indlela loan ngesilinganiso ongaphakeme

Lapho kangcono athathe mortgage ukusizakala ephansi isithakazelo? Lokhu kubolekisa ngemali zinikelwe ezihlukahlukene amabhange, zidingo ezilandelayo kumele kwenziwe:

• omuhle Umlando wokukhokha kwemali;
• ezinzile futhi owawuholela umsebenzi;
• ukuhlinzeka inqwaba imibhalo;
• kungenzeka inkokhelo yokuqala.

Amaphesenti ibalwa kuncike esithize ekuvumelwene futhi ubukhulu lokuqala eyaphuma ngalo. Ephansi zenzalo etholakala amabhange ezinkulu. izikhungo ezincane ngokuvamile ahlupheke kokuntengantenga kwezomnotho, ngakho overpayments kufanele ibe nkulu.

amabhange amaningi anika amakhasimende ngabanye mortgage imigomo. Uma wake lapho wakhishwa loan esikhathini esizayo ukunikeza izindawo ezingconywana. amakhasimende abathenjiwe kuphela amabhange bazimisele ukukhipha mortgage ngamazinga ezinengqondo kwezinhloso zenzuzo.

amabhange eziphezulu Russian

Ngaphambi kokuba unqume lapho athathe mortgage, kuzomele ufunde imigomo amabhange eziningana. Umuntu ngamunye nomqondo inzuzo kuxhomeke ezicini eziningi. Ezinye bazimisele ngokushesha ukukhokha off the loan, ukukhokha eziningi. Nakuba abanye ziyozuza lokukhokha encane esasiyithola.

Savings Bank inikeza mortgage at 14.5%, kodwa kudingeka ukuthi akhokhe inkokhelo yokuqala ka- 50%. Uyoba sokukhokha imali ebolekiwe iminyaka 10. Uma unganikezi isitatimende engenayo, izinga antante 15%. Nokho, uma ukuba akhokhe imali sokuqala 30%, i-ngokweqile kuyoba 15.5%.

Nesithakazelo esikhulayo kwalezi zimo:

• uma inkontileka ayisayindiwe kungakapheli inyanga emva isiqinisekiso mortgage;
• ukwehluleka umshuwalense wokuphila kanye nezempilo.

uhlelo "umndeni Young 'usebenza Savings Bank. inkokhelo yokuqala kuyehla kube 10%, futhi ngesikhathi sokuzalwa ukukhokhelwa ingxenye esele esikweletini imiswe okwesikhashana iminyaka engu-3. Senkokhelo imalimboleko, ungasebenzisa inhlokodolobha womama.

VTB - ibhange, mortgage elitholakala kwi linendlela yalo aphoyintimenti amaphesenti, okuvumela ukuba ucabangele sipho njengento eyamukelekayo. Ukukhokha okweqile kuyinto 15,25%. Sizonyuka iphesenti kuphela uma ukwehluleka zomshuwalense impilo nokuphila.

Nokuthathelwa kungenziwa ikhishwe ngesikhathi Alfa Bank. Lapha, ikhasimende kufanele akhokhe imali sokuqala 50%, futhi uma imalimboleko inikezwa kufika eminyakeni engu-10. Amaphesenti kuyoba 20%. Uma inkokhelo yokuqala 30% of the ukwakheka, inkathi mortgage izilokotho ezinhle engu-25. Ukukhokha okweqile kwi mali izosiza azisizi 21.1% ngonyaka.

womama inhlokodolobha

Kuze 2009, inkokhelo yokuqala babekwazi kwenziwe esebenzisa inhlokodolobha umzali. Ukuze usebenzise izimali ezidingekayo hhayi ukulinda pass engu-3 kusukela ukuzalwa kwenye ingane yakhe yesibili.

Isitifiketi ukuthi afake isicelo irisidi ebhange. Capital idluliselwe Pension Fund emva kabusha ukubhalisa impahla nomnikazi. Ngaphezu kwalokho, udinga ukunikeza isitatimende isicelo, isitifiketi, isitifiketi yomshuwalense impesheni.

Izinzuzo mortgage

Ngaphambi kokwenza mortgage kufanele ufunde mayelana zonke izinzuzo nezingozi isinqumo. Lokhu kuzogwema neziningi zezinkinga esikhathini esizayo. Ochwepheshe ukukhomba izinzuzo ezilandelayo mortgage:

• ingcebo iba yindawo yoMkhandlu umboleki, okuyinto angakuthola yokuhlala khona, kanye ukubhalisa nomndeni wakho;
• izimo waqala ukusebenza ngo-2016, lapho lo muntu obolekayo kukhona kungenzeka buyiselo ekuseni ngaphandle izinhlawulo kanye isithakazelo;
• ubukhulu yokukhokha sokuqasha iyafana ebhodini, kodwa lo muntu obolekayo iba umnikazi;
• Ungasebenzisa uhlelo yokuncintisana, iphrojekthi nomphakathi.

Ngokusho kochwepheshe, ukubolekwa imali ukuthenga indlu bomnotho kuyazuzisa, ngoba amabhange ngalesi sikhathi ukunikeza namaklayenti izimo best. Ngo abatshelekayo kukhona nemibi. Kumele wenze inkokhelo yokuqala - 10-20% semali. Inkontileka kuphothulwe isikhathi eside, ukuthi umthwalo nasengqondweni umboleki. Uma ukhetha uhlelo olufanele, mortgage kuyoba inzuzo ngezimali.