Ngaphansi kophahla lwendlu ... akuyona bakhe: indlela ukuthengisa efulethini mortgage

isimo Kuyivelakancane lapho umuntu uthengisa i isikhala ephilayo esengeziwe futhi ufisa ngangokunokwenzeka ukuba enze lokho kuthengiselana kwabo ngokushesha, kodwa njengoba inhlanhla kuzodingeka abathengi ukulungele ukukhokha manje, akukho - konke ngohlelo ukuthola siqu square metres zabo, nalobo a mortgage. Indlela ukudayisa ifulethi e mortgage, esikhundleni sokufaka imali? Yini umehluko wemisindo nemiqondo yamagama ezimele wena njengoba umdayisi ingcebo, uma uzimisele uxhumane ikhasimende yebhange? Ngikuphi okuhlukileko mayelana kuthengiselana ku ukudayiswa kwezindlu ngokusebenzisa mortgage kwisikimu ngoludala kanye ukukhokha okukweletwa izimali siqu?

Ziyini izinzuzo unika ukudayiswa kweza mortgage?

Awubalulekile ukukhathazeka okukhulu futhi uzindle, indlela ukuthengisa ifulethi e mortgage, ngcono ukwazi lokuqala zonke izinzuzo ukuthi kuyokulethela ukubhekana ebhange. Okokuqala nokusemqoka, kumelwe nathi ukuthi uma uvumelene ne abathengi, abala ukuthenga square metres yakho angenakukwazi ukukwenza, ngoba ibhange uzovumela ukuthenga efulethini yakho, futhi uzobona kuphela ulinde buthule kokuthola imali. ukuthenga yesiqinisekiso kokuthola imvume kuzokuvumela uphumule hhayi ukulahlekelwa ikhasimende.

Ungakhathazeki ngokuthi eziningi okusemthethweni, uma ucabanga ukuthi ukuthengisa efulethini mortgage - ibhange uyothatha noma uphoqa umboleki ukugcwalisa ingxenye ukunakekelwa ekulungiseleleni imibhalo, kokuhlaziywa ezimele, ubufakazi ubumsulwa wezomthetho kuthengiselana ukuqoqwa namanye amadokhumenti. Lena plus omkhulu.

Ngaphambi uthengisa efulethini mortgage, ukuqonda wena, uzothola imali ncamashi ngosuku lapho kunqunywa imigomo yenkontileka, futhi awunankinga izinkokhelo zokuphepha ngeke luvuke - ibhange iyolawula inqubo ukudluliswa kwemali. Ngaphezu kwalokho, musa ncamashi elinde yimuphi izisekelo kanye bakhohlisi nge izikweletu kokuzihlanganisa noma isivumelwano iyawakha esivuna besithathu.

By the way, ngisho ukwehla kwesizini emakethe ingcebo noma ngezikhathi zeziyaluyalu uzokwazi ukuthengisa isikhala sakhe ephilayo, kusukela umthengi uzokwazi ukuthola imali ebhange, hhayi emandleni abo. Anazi ngisho kufanele uyakucabangela.

Uyini umehluko ukudayiswa kwezindlu ngokusebenzisa nokukhokhela indlu?

Ngesikhathi abanye uzothola ngokwakho in limbo. Sizoba ukulinda isinqumo yebhange sokuvuma loan mortgage for yokufuna efulethini elithile, kodwa-ke yonke into ihamba ku isithupha - inqubo yokubhaliswa impahla ngamasimu kuzo zonke izikhungo zezimali sezisunguliwe kakade, futhi awudingi ukuba bacabange ngalokho isinyathelo esilandelayo - konke kucatshangwa phandle ngu yomuntu obolekisayo.

Sweat ekulungiseleleni impahla ukudayiswa futhi babe umthengi nomthengisi. Ibhange azodinga iphakethe okuqinile kwemibhalo nge idatha efulethini kuluthola. Ukunquma ukuthi ukuthengisa ifulethi ngokusebenzisa mortgage, udinga kuqala ukubonisa ukuthi siyahambisana nemibandela mortgage abolekise kuyinto ibhange.

Ngesikhathi sokubhalisa kwemibhalo, kanye uma ufaka ibhange iphakethe kumele kube wonke amaphepha kuleso sakhiwo. Imithombo ye-illiquid amafa ebhange akukuniki phandle, futhi ophilayo isikhala Izoqaliswa intengo emakethe. Ngakho imali kwi square metres shun izinga ngenani eliphakeme ngeke uwushiye.

Ukuze uthengise ifulethi ku mortgage Sberbank kungenzeka, naphezu umbono ukuthi lena umbolekisi fastidious abaningi kuleli zwe. Kepha unelungelo eligcwele unjalo, ngoba inikeza izindleko aphansi kwezimali waboleka futhi kuqinisekisa nokwethenjelwa eliphezulu zokukhokhelwa.