Mortgage e eYekaterinburg kungekho phansi lokukhokha: amabhange, izimo

Mortgage izilinganiso ziyanda kancane kancane, okungakwazi kodwa iyayithusa izakhamuzi emadolobheni ahlukene ezweni lethu elikhulu. Noma kunjalo, labo abafuna ukuthenga izindlu, aphansi has no choice njengoba buthelela omningi imali ukuthenga indawo cishe kungenakwenzeka. Nokho, kukhona ezinye izingibe. Ngisho noma ukubhaliswa kwesikhungo izakhamuzi mortgage kudingeka wenze umnikelo kokuqala (px), inani okuyinto-30% we yentengo.

Futhi kuthiwani ngalabo abangenayo imali kanye yokukhokha eyinhloko? Kulokhu, kubalulekile ukuzama ukudweba e eYekaterinburg mortgage ngaphandle inkokhelo phansi. Amabhange ezinkulu babe izinhlelo unikeze abanye ukubolekisa ezinjalo, kodwa kulokhu kubalulekile ukuba acabangele ezinye umehluko wemisindo nemiqondo yamagama ebalulekile.

Izici yokuthola bengatshelekwa ngaphandle PV Sberbank

Lesi sakhiwo kungenzeka ngempela ukuthola loan emigomeni kuhle evumayo. Nokho, kufanele sikhumbule ukuthi eYekaterinburg Savings Bank mortgage ngaphandle inkokhelo phansi kuyinto inani lemali ukuthi isakhamuzi uthola sokukhokha imali ebolekiwe kuthathwe ngaphambili kwenye isikhungo credit. Lokhu kusho ukuthi umuntu akanayo ukutshala imali yabo siqu kanye loan ukudweba kuhlukile yasebhange futhi esisebenzisa njengophawu PV.

Ukuze uthole mortgage ku Savings Bank Kumele uqinisekise ikhono lazo ukukhokha futhi uhlinzeke isitifiketi ku Ifomu 2-PIT.

Mortgage yasebhange "Ukuvula"

Lena enye inhlangano okunokwethenjelwa lapho ungakwazi athathe isikweletu ngaphandle PV. Labo abafisa ukuhlela mortgage e eYekaterinburg ngaphandle inkokhelo phansi, atholakale hlelo "Mortgage Plus". Ngokusho kwakhe, ungathola loan futhi hhayi ukwenza imali eyinhloko imali ngokumelene zokuhlala esikhathini esizayo.

Kulokhu, inani lenzalo kuyinto 13.5% ngonyaka. Ngakho, uma isakhamuzi emzini udonsa loan ruble angu-5, njalo ngenyanga uzokhokha ruble mayelana 60 500. Kulesi sisekelo, le ngokweqile Imininingwane iminyaka engu-20 kuyoba ruble abangaba yizigidi ezingu-9.

"Gazprombank"

"Refinancing" ebhange - wuhlelo enikeza izakhamuzi ithuba ethuthela ekhaya elisha ngaphandle inkokhelo yokuqala. Imigomo mortgage ngaphandle inkokhelo phansi eYekaterinburg inzuzo ngempela. Uma isakhamuzi ithatha indawo ngesikweletu, kuwufanele ruble angu-5, ukukhokhelwa nyangazonke kuyoba ama-ruble ayizigidi 50.. Kulokhu, inani lenzalo zizoba ngaphansi kunaleyo Savings Bank. Kuzoba 10,25%. Ngenxa yalokho, ngokweqile yokugcina iminyaka engu-20, ngeke ruble ezingaphezu kuka-6.7 million.

izimo Standard ukuthola a mortgage kungabikho lokukhokha phansi eYekaterinburg

Ukuze uqonde kangcono ukuthi yini okufanele uyilindele kusuka isikhungo credit, cabangela isimo ejwayelekile. Ake sithi umhlali watimisela kuya ebhange futhi wathenjiswa hlelo "Credit izindlu." Ngokusho kwakhe, mortgage e eYekaterinburg ngaphandle inkokhelo yokuqala kuyoba izimo ezahlukene ezilandelayo:

• loan eside ngeminyaka engu-20.
• Inani loan lingafika ku-100% inani efulethini. Nokho, isamba semali kuzoncika ezingeni engenayo umboleki.
• Impahla eseduze ibhalisiwe (njengoba kungaba imoto, izibambiso, nokunye. D.) Of isakhamuzi noma izihlobo zakhe.
• Njengoba guarantors kufanele senze esuka kubantu 1 kuya 4. Kule ndaba, konke kuncike isamba semalimboleko. Uma isakhamuzi kuthatha akukho kuka 300 ayizinkulungwane. Ruble, ngokwanele ukuba umeme isibambiso eyodwa kuphela. Uma isamba semalimboleko ayizinkulungwane 300. Ruble uzodinga abantu abangu-2 nokunye. D.
• Ubudala umboleki kumele singeqi engu-65 ngesikhathi enza inkokhelo yokugcina.
• Isakhamuzi kumele abe umsebenzi unomphela, lapho usebenza izinyanga okungenani 6.

Futhi banake yokuthi ukuthola mortgage e eYekaterinburg kungekho phansi ukukhokhelwa - akulona VO elikuvumela ukuba ugweme izindleko enkulu inkokhelo esiyinhloko ifulethi.

lokushintshisana

Namuhla, ukuhweba-in e yokufunwa kakhulu, njengoba kulokhu, i-PT Ungasebenzisa isikhala aphilayo. Kulokhu, ungenalo ulinde Thenga efulethini. Eqinisweni, izindlu umboleki sika umhlengile yibhange ngokumelene izinkokhelo ngokuzayo ku mortgage.

Nokho, le misebenzi emihle, akuzona zonke amabhange. Ngezinye izikhathi exchange liyi-ejensi ingcebo. Kulokhu kufanele uqaphele bese ukhetha ngokucophelela ejenti, ngoba namuhla kule ndawo kukhona imikhonyovu eziningi.

izitolimende Kwenzalo

Uma eYekaterinburg mortgage yasebhange ayikwazanga ukuthola ngaphandle inkokhelo phansi, kuba ishibhile futhi kulula ukutshala ingcebo kuyakhiwa. Kulokhu, umthengi ngeke bakhokhe iphesenti ezithile ebhange ngonyaka kukho konke ukuphila. Ngakho, izindleko zokugcina izindlu esisha kabili.

I ethile kuphela le ndlela ukuthenga wukuthi ungakwazi ukungena efulethini entsha izinyanga kuphela ezimbalwa, noma ngisho neminyaka, lapho indlu ekugcineni igcwaliswe. Nokho, lapho ucabangela ukuthi le ndlela ngeke umsindise ruble ayizigidi eziyizinkulungwane eziningana, le nkathi kalula bahlala efulethini aqashiwe.

Futhi, uma kwenzeka ukwehluleka mortgage ngaphandle inkokhelo phansi eYekaterinburg umusa nesithakazelo-free isitolimende uhlelo kufanele inake wonke izingozi. Ngokwesibonelo, unjiniyela asikwazi ukuqedela iphrojekthi ngesikhathi, noma nje iqhwa ukwakhiwa. izinkinga ezinjalo ikuyo yonke indawo. Ngakho-ke, ngaphambi wamaphepha edingekayo bahlolisise inkontileka kusuka kunjiniyela uphinde uqinisekise ukuthi zonke lezi imininingwane zibhaliswe kulo.

Mortgage abolekise amabhange-abalingani

Uma isakhamuzi kuyinto ikhasimende ye "Cranberry" ke lapho wenza mortgage ku "VTB 24" ke ungathola isipho esikhethekile. Ngokusho lokhu lenzalo yonyaka kungancipha ngo-0.5% esuka kwegciwane.

Ngaphezu kwalokho, kuyazuzisa benaka izenzo ezifana "kwamamitha angu--. Esingaphansi izinga" Lesi siphakamiso ukunciphisa inani lenzalo 1%. Kulokhu, isakhamuzi kufanele bathenge indawo namkha enye ipahla, endaweni engesiyo esingaphansi 65 m ^2.

Njengoba izimo masheya akuzona ezuziwe, kudingeka uhlole ngokucophelela zonke izinhlelo ezihlinzekwa bese ukhetha okukhethwa kukho enenzuzo kakhulu.

Ekuphetheni

ebhange ngamunye unikeza ezahlukene mortgage imigomo. Kwezinye zazo isipiliyoni umsebenzi umboleki kumele okungenani ibe eziningana izinyanga, futhi enye - iminyaka 4-5. Kuyefana nasendleleni nezinye izimo. Ukuze izakhamuzi Russian Federation iyona ebaluleke kakhulu ukufunda amazinga inzalo emalini ebolekwe. Kwezinye izimo oholela kangcono ukwenza inkokhelo yokuqala phansi bakhokhe iphesenti ezincane lemali kuthengiselana, kokugwema ukwenza inkokhelo eyinhloko futhi umphumela wokugcina we overpaying yasebhange ruble ezimbalwa kuleliya lizwe. Yingakho, lapho enza izinqumo ukuze uthole mortgage noma boleko ifulethi kuwufanele ukuvakashelwa zonke inkampani etholakalayo futhi ucacise imigomo yabo kuthengiselana.