"Military Mortgage": izimo ukuthola eziningana amabhange. Sberbank futhi VTB amagama amelele elithi "Mortgage Military"

Ukucubungula loan kuvikelwe impahla ibizwa ngokuthi i-mortgage. Isetshenziselwa ukuthengwa amakhaya noma zokuhlala, impahla kuthengwa njengoba eseduze, njengoba isiqinisekiso sokukhokha imali esinqunywe ngokuvumelana, kodwa kulokhu umthengi unelungelo lokuyisebenzisa. Olunye uhlobo lokudla abolekise ezinjalo kuba "Military Mortgage". izimo zalo zihlukile izinhlelo ezivamile enikeziwe ukuthenga izindlu.

Indaba

Kusukela ngo-2005, umthetho Waqala ukusebenza, okuyinto usungula kungenzeka ngokusebenzisa zonke lempi accumulative mortgage uhlelo (NIS). Kulokhu, irisidi kwezindlu usungaqala ukukhuluma emva kweminyaka emithathu tekuhlanganyela izinhlelo ezifanele. Act ngale ndlela amasosha abolekise ekhaya ukuthenga yaze yaqala ngo-2009.

Isimiso salo kanje. Isosha, iminyaka emithathu, eyilungu izinhlelo uxhaso kungenzeka ukuthola ubunikazi izindlu. Ngesikhathi esifanayo akhawunti izimali zakhe siqu zidluliselwa, okungase esichithwa ukuthengwa ingcebo. Lolu hlelo badalelwa zamasosha, ngoba umsebenzi wabo kuhilela eside nokubambisana.

Ubani ongafaka ukuthenga indlu

Ngaphambi esibhekana ngayo indlela imalimboleko, udinga ukwazi ukuthi uzodlala abangakwazi ukuhlanganyela ohlelweni lapho ungakwazi ukuthenga ikhaya isikimu kuchazwe. Umthetho osebenza ku ngokuphelele yonke lempi abasebenza ngaphansi kwe-Ministry noma amasevisi sikahulumeni. Lezi zihlanganisa hhayi kuphela eMnyango Wezokuvikela kanye Interior, abahlanganyeli bangaba futhi labo abazithobayo Ministry of Izimo eziphuthumayo, Spetsstroy Russia, e-FSB, FSO, Rosoboronzakaz, General Directorate of uMongameli we izinhlelo ezikhethekile, futhi eziningi neminye iminyango kahulumeni.

Ukubamba iqhaza yokonga mortgage uhlelo kungaba saziso noma yokuzithandela. Ngokwalokho okwashiwo kuso, kuhlanganisa zonke izikhulu abaku- izinkontileka zabo kuqala wangena isevisi kusuka 2005 kuya phambili, bonke abaphathi ugunyaza nezikhulu ze-non-ethunywe abaye bakhonza iminyaka engaphezu kwamashumi amathathu, uma ubale kusukela ekuqaleni ngesikhathi esifanayo.

Libuye angangabazeki Uhlelo uthole labo abasebenzi abaye kuchubeka aye isikhundla esiphezulu yesisebenti enikeziwe, futhi labo abaye bathweswa iziqu izifundo ezifanele futhi wathola isikhundla isikhulu kusukela ngo-2008.

Ngokuzithandela iqhaza kuhlelo mortgage can ubani iziqu ezikoleni ezempi kanye usayine inkontileka kwaze kwaba sekuqaleni kuka-2005. Futhi, ububanzi kwalesi simiso iwe ensigns, amaphoyisa, sergeants nezikhulu eziyize.

ISEBENZA KANJANI LENDLELA

Abaningi besaba ukubamba iqhaza kuzo ekuqongeleleni imali, owesaba ukuhlala ngaphandle kwemali nangaphandle izindlu, nazo zonke ukukhohlwa ukuthi isimo "Military Mortgage". Isimo salo zimi kanje: State Uhlelo mortgage kubo bonke abahlanganyeli ku-akhawunti ozinikele siqu isabelomali sikahulumeni ubala inani enqunyiwe. Zonke wathola imali ngokusebenzisa okuthembekile futhi kungase kutholakale uxhaso amathuluzi landa. I isabelomali Isamba ngokobungako ngonyaka. Ngokwesibonelo, uma e 2012 yaminyaka yonke isimo iminikelo 205 200, ngo-2013 lenyuka ruble 220 000.

Imigomo yokufuna izindlu

Ukuze ukuthenga zabo zokuhlala ingcebo kuyilapho sidebeselela isabelomali, amasosha kudingeka ukuba ilungu NIS, futhi ingxenye alukho imali ukubhalisa kuphela amabhange-partner hlelo. Ngo lonke ezivamile isikweleti sendlu kuyinto azihlukile kakhulu "Mortgage Military". Imigomo imali, Nokho, abaqotho ngaphezulu, ngoba isiqinisekiso ukubuya isimo.

Standard senzalo yemali ebolekwayo incike eyinhloko noma lesibili emakethe ingcebo lutholwa, ke zokhahlamba kusuka abama-9.75 kuya 11,25% ngonyaka. Ngesikhathi esifanayo sokuthenga umuzi udinga ukwenza okungenani ngo-10% ngokujulile ukubaluleka kwaso. Futhi wavuma futhi elithi yokuboleka le mali: nikunikiwe isikhathi esingaphansi kweminyaka emithathu, le nkulumo esiphezulu isethi wakhe, osekelwe kokuhlangenwe yokuthi ngesikhathi sokukhokha egcwele okweletayo akufanele egcwele iminyaka engaphezu kwengu-45.

Kuyadingeka ukuba uzilungiselele ukuthi ezempi kuyodingeka ukuba akhokhe zonke izindleko ezihambisana ukuthengwa umklamo izindlu ukuze "Mortgage Military" elinikeziwe. izimo zalo liyasho ukuthi lo muntu obolekayo yena ichithwa umshwalense kanye nezinsizakalo zomthetho ezihlobene, ukuhlolwa impahla kanye ukubhaliswa kwaso isimo.

izikhungo zezimali

Amabhange, ngawo eba "Military Mortgage", izimfuneko ukuthola lokhu loan akusho kakhulu ukushintsha. Kodwa ngamunye wabo izici zayo siqu futhi umehluko wemisindo nemiqondo yamagama. Ngalolu hlelo, liyasebenzisana ezinhlanu amabhange: Gazprombank, Sviaz-Bank, Bank Zenit, Bank VTB 24, Sberbank eRussia. Ngaphezu kwalokho, u-30% wabo bonke ukuthengiselana badabula Agency wahlanganyela yokuhlala mortgage obolekisayo.

Lapho ekhetha isikhungo sezezimali kwaba yilelo nalelo butho unelungelo ukwazi izimo imalimboleko ngamunye kubo. Kodwa akudingeki ukuba uthole zonke amabhange ukukhumbula noma ubhale phansi izidingo ngamunye wabo. Esizeni United Federation of bonke States lempi ungathola hhayi kuphela uhlu amabhange, kodwa futhi izimo eziphathelene osayizi umshwalense, izimali ezengeziwe, ikhomishini nezinye izinhlobo sokubolekwayo.

Imigomo Sberbank eRussia

Uma isosha ehilelekile yokonga mortgage uhlelo futhi wanquma ukuthenga indlu ngesikweletu, khona-ke kufanele bajwayelane nemibandela amabhange ahlukahlukene, okuhlanganisa neqiniso lokuthi Sberbank inikeza. "Military Mortgage", izimo zazo onganelisa obolekayo, lokhu inhlangano yezimali sivunyiwe kuphela abahlanganyeli NIS. Ibhange kudinga iklayenti ukuqinisekisa ukusetshenziswa okuhloswe imali eningi enikelwa kungukuthi kuphela ukuthenga umuzi njengoba eseduze, kodwa futhi enikeziwe yisiboniso kumkakhe (a), ikhiphe umshwalense ayimpoqo. Ibhange inikeza loan ingcebo nganoma 10.5%, igama elithi esiphezulu yokubhalisa ingeqi iminyaka engu-20. Kuyaphawuleka ukuthi inani lenzalo umboleki uyoba nesithakazelo kuphela uma kwenzeka ngokuthi wayezoboshwa axoshwe. Ngesikhathi inani amasosha esakhokhwa loan isimo.

Loan Ukulungiselela VTB yasebhange 24

Phakathi amasosha iyathandwa Sberbank hhayi kuphela. Abaningi banesithakazelo futhi izimo ingaphansi okuyinto etholakala VTB 24 "Military Mortgage". Izimo kule inhlangano yezimali kancane ihlukile kuleyo ezihlinzekwa Sberbank. Ngakho, ubuncane senzalo VTB 24 kuyinto 9.4%, inkokhelo yokuqala kungenzeka 10% we izindleko isamba amafulethi wokutholakala 25% uma lo muntu obolekayo uthenga indlu kanye nezwe.

Iphinde kudinga inhlangano yezimali ukuze ukuthathelwa umshuwalense kuphela nezingozi ukulahlekelwa noma ukulimala kwempahla ethengiwe ngaphansi kohlelo "Military Mortgage". izimo Bank azihloselwe foreclose ikhomishini ngaphansi loan futhi ukuqhutshwa kungaba, uma kunesidingo, ukuba abuyisele ngaphambi kwesikhathi ebesibekiwe. Ababoleka imali ezihlukahlukene enkulu izindlu ngokwanele, ngoba bangathenga efulethini ukwakha isakhiwo esisha, emakethe yesibili noma ukuthenga indlu nge egcekeni.

Ukwenza amadokhumenti

Ukuze uthole mortgage amalungu NIS iqhaza kufanele athumele ebhange amaphepha anjalo: ifomu lesicelo, iphasipoti, isitifiketi eqinisekisa ilungelo lokuthola loan ekhethekile-injongo nezezindlu. Le mibhalo yanele ukuze kuqinisekiswe ukuthi ibhange akwazi ukunquma lokunikeza isamba edingekayo lemali. umphathi isikhungo sezezimali igcwalisa ezifanele ifomu lesicelo bese uthumela ukuze kubuyekezwe. Uma ibhange avumela ukufinyelela udumo uhlelo "Military Mortgage", izimo nomklamo walo zimi kanje: iklayenti kumele ukuqoqa imibhalo ku into uthenge. Ngakho, uhlu amaphepha ayedingeka zihlanganisa lokhu okulandelayo:

1. Imibhalo eqinisekisa ubunikazi umdayisi kwezakhiwo zokuhlala. Lokhu kungaba inkontileka sokuthengisa, isipho, ukubhaliswa ifa nokunye.

2. Isitifiketi, okuyinto kuqinisekisa bokubhaliswa into ithengiswe.

3. imibhalo Technical: passport, inombolo cadastral.

4. Izinkomba ukuthi ukhombise ukungabi khona izikweletu ekukhokhweni Umbuso izikweletu, ukuqasha.

5. Lesinqumo LoMkhandlu esitokisini ukudayiswa uma umdayisi ingane.

Kubalulekile ukuthi wonke amadokhumenti atloliwe kahle, noma ummeli yasebhange omamukele yokunikezelwa loan ezinjalo.

ekunqanyulweni Early yesevisi

Ekuphileni kunezimo ezahlukene, futhi ngezinye izikhathi abantu bephoqeleka ukuba ashiye ebuthweni. Ngezinye izikhathi kuvela lesi sidingo, futhi labo Usukuthengile ifulethi ngosizo "Mortgage Military" uhlelo. Imigomo severance Lapho ukubolekisa ngemali kunoma yiziphi izikhungo zezimali, ethukile eziningi. Iningi esabe yokungabi nakhaya, kodwa lokhu akwenzeki uma lo muntu obolekayo uyavuma ukukhokhela esele esikweletini zabo.

UMbuso uthembisa sokukhokha imali ebolekiwe kuphela ngalabo abakhonza. Uma inkontileka lempi sahoxiswa, umboleki yena kumele igcwalise konke ukuzibophezela yezimali akhokhe ibhalansi ukweletwa.