Novosibirsk abatshelekayo kungabikho lokukhokha phansi: amabhange, izimo Izibuyekezo

Akusiyo imfihlo ukuthi ukuthengwa kwezindlu iningi nabantu ababejwayelene izindleko ezinkulu zezimali. Izindleko ingcebo ihilela ukutshalwa ezinkulu. Kwabaningi, lokhu kungaba isithiyo esikhulu, ikakhulukazi kulabo abaqala nje ukuphila omdala ezimele. Omunye ikhambi lenkinga yokuntula siqu isikhala ephilayo ngokuvamile iba kususwe, kodwa ikhambi elinjalo kungaba okwesikhashana. Ngakho-ke, namuhla amabhange zigcwalisa lesi siprofetho ngokunikela inqwaba izinhlelo kanye nemikhiqizo engasetshenziswa ngokuthenga ingcebo.

Kuyini a mortgage

Mhlawumbe enye yezindlela esheshayo futhi elula kunazo ukuthenga ingcebo, okuyinto akudingi isingeniso-isikhathi esisodwa semali, futhi ikuvumela ukuba ukhokhele ukuthenga kwakho isikhathi eside, kuyisimo mortgage. Kuyinto uhlobo eseduze, okusho ubunikazi ekhaya kuze ukukhokha langempela lapho buyiselo yisiboniso kungaba impahla uqobo, noma elilingana intengo ingcebo.

Mortgage imigomo Novosibirsk

Inqubo ukuvunywa kanye Ukukhishwa loan ingase yehluke kuye ngesistimu imigomo yesivumelwano futhi ibhange ukuthi inikeza. Ngo Novosibirsk, lezi izikhungo zezimali zisesikhathini 32. Sinenkosi iphothifoliyo yabo imikhiqizo eyenzelwe abantu zemvelo, lapho isikhathi sokukhokha imalimboleko abanye bangaba bade iminyaka engu-50. Amagama eziyisisekelo mortgage izinkontileka Novosibirsk amabhange zihlanganisa ukuba khona noma ukungabi yenkokhelo phansi:

• Izinga elilungisiwe nesithakazelo;
• izinkathi ubuqiniso inkontileka mortgage;
• umshwalense izibambiso;
• Ikhomishini imvume noma itlhogeko.

Zonke izici e mortgage wokubala ikakhulu inomthelela inani kuluthola ingcebo. Isithakazelo kulokhu zokhahlamba kusuka 7,65 kuya 18% ngonyaka. Ezinye izikhungo zezimali ukunikela lokhu kusebenza njengoba mortgage ngaphandle inkokhelo phansi. Ngo Novosibirsk, amabhange anikele ezihlukahlukene izinhlelo mortgage, inani esikwaziyo 300. Lokhu kungefani ikuvumela ukuthi ukhethe izimo ezifanele esimweni ngasinye ethize, ngesikhathi ethola izinzuzo esiphezulu.

Yini ebaluleke ekuklanyweni

Novosibirsk abatshelekayo kungabikho lokukhokha phansi - inqubo kunalokho kuyinkimbinkimbi ukuthi amabhange akuvamile uyavuma. Njengoba inkokhelo yokuqala, eqinisweni, kuqinisekisa izinhloso ezibucayi umboleki ukuba abuyisele ngaphakathi eside bavumelana imalimboleko okuholela, futhi kususa isikweletu umthwalo abalulekile, okukuvumela ukuba inciphise eseduze nokwehlisa ngokweqile ku loan. Ngakho, i-umnikelo sokuqala zero kungadala ukwehluleka okuzenzakalelayo iklayenti ku loan ngenxa umthwalo anda ngenxa okungu aphakeme yesivumelwano.

Banikezwe umsebenzi osindayo ikhasimende lapho wenza mortgage akuyona lonke usebe bazimisele ukuzifaka ezingozini futhi unike kwemvume yabo kule isimo ngaphansi inkontileka. Ezimweni eziningi banikela umnikelo lokuqala, ogama sayizi ngokwesilinganiso kusuka 10 kuya 30%. Nokho mortgage ngaphandle inkokhelo phansi Novosibirsk etholakalayo. Ukuze wenze lokhu, iklayenti kumele uzibonakalise ukubaluleka kwayo, futhi kuyoba obanele engenayo zakhe eziphakeme. Okulandelayo udinga ukukhetha impahla ukuthenga nokunquma ibhange anganikeza izimo ezikahle kakhulu lesi simo.

Iyiphi indima ekutholeni izinzuzo Ungadlala ezihlukahlukene izinhlelo mortgage

Ukukhetha yasebhange Novosibirsk lapho wenza mortgage ngaphandle inkokhelo phansi, kubalulekile ukuhlola izinhlelo ekhona ngokucophelela. Ngezinye izikhathi ezahlukene, amabhange abaningi ngokuvamile ukunikela ukuphathwa ngendlela ehlukile amaphromoshini ekhethekile. Ngezinye izikhathi umqalisi yezenzo zinjalo iziphathimandla zedolobha, ukuhlinzeka amaqembu athile emphakathini izimo ezikahle kakhulu. Ukuthenga umuzi noma ifulethi e mortgage ngaphandle inkokhelo phansi Novosibirsk ngokuvamile inike imali kusuka ibhajethi kohlaka uhlelo.

Ngokwesibonelo, kuze 2018, kuhlelwe isinyathelo othisha kanye zasenkulisa abahlinzeki. Njengengxenye nemibandela ukwesekwa isabelomali Kwenziwa imfundo ukuze zithuthukise izimo zokuphila ngemihlomulo entsha. Ziyakwazi ukunikeza isinxephezelo of nokukhokhela othisha, kanye ukuxhasa labo uthenge isikhala ephilayo nge amamitha ambalwa kunokuvamile umuntu oyedwa. Uhlelo zithandwa kakhulu, ngakho uhulumeni labelwe izimali ezongeziwe ekwenzeni lokho okuhleliwe.

Ukukhetha uhlelo oyithandayo kakhulu ukuthi yiziphi kuhlelwe ukuthenga indlu. Noma ngabe ikamelo, ifulethi noma indlu yangasese. It libhekisela zamabanga aphansi naphezulu ingcebo market. Nquma uhlobo impahla atholwe Akunzima ukuthola uhlelo efanelekayo. Novosibirsk mortgage ngaphandle inkokhelo phansi kungayiletha inzuzo ngempela uma ungathola izinhlelo inzuzo efanelekayo.

Ukunikezwa kusukela abakhi

Ngokuvamile bazuze izinhlelo kungabhekwa njengokuvikela umnikelo ovela izinkampani ukuthi bekwi ukwakhiwa emafulethini. Enye yalezi zinhlelo Kungashiwo kufanele kubhekwe a mortgage kusukela Umakhi ngaphandle inkokhelo phansi. Novosibirsk - okuyidolobha asathuthuka, lapho ukwakhiwa esindayo ingaphansi indlela. Kuningi izinkampani kule yemincintiswane afeze izenzo ezehlukene kwi ezimvunayo kakhulu.

Kodwa-ke kuhle ukucabangela ukuthi ingabe ufuna lapho ukuthenga umuzi kuyakhiwa mortgage ngaphandle inkokhelo phansi. Ngo Novosibirsk, ukuthuthukiswa entsha angathengwa at the aphansi kungenzeka intengo.

Yiziphi izinzuzo izakhiwo ezintsha

izinkampani Ukwakhiwa oholela kangcono ukuthengisa ifulethi kuyakhiwa, ngokudlula abaxhumanisi futhi ngaleyo ndlela kuncishiswe izindleko izindlu. kakhulu Leli bhokisi esiteji sokwakha izindonga inenani ongaphakeme, okwandisa kakhulu emva kokuphothulwa ukwakhiwa kwemisebenzi. Ngakho-ke, uma ungenawo ukushesha ukuthenga ingcebo, ungakhetha uhlelo mortgage kusukela unjiniyela kakhulu ukunciphisa credit umthwalo ngenxa yezindleko eziphansi izakhiwo sidle. Uma ungakwazi ukuthola uhlelo efanelekayo kungabikho lokukhokha phansi, ke okunye ukuhlela umthengi credit elula, okuyinto akuyona inkinga esincane mortgage.

Encishisiwe hlelo kusukela Sberbank

Ukuze 2017 ngaphansi kwemigomo ye izinhlelo ekhona mortgage Sberbank e Novosibirsk ngaphandle phansi lokukhokha Kwenziwa ngokusebenzisa umboleki yenhloko-dolobha umzali. Esimweni ukuthi inkokhelo yokuqala edingekayo idlula ukubaluleka, ke kuvunyelwe ukwethulwa isamba olahlekile lemali. Sberbank kulo nyaka uhlongoza ukusebenzisa imikhiqizo ezimbili, okunikeza ukusetshenziswa capital:

• abatshelekayo ukuthenga izindlu kuyakhiwa;
• abatshelekayo ukuthenga izindlu isiqedile.

Esikhathini nezinye izinhlelo ze-Savings Bank ekukhokheni iphuma okokuqala at ukubhalisa abatshelekayo ngezithukuthuku isitifiketi plus sikukhokhise inhlawulo ngokheshi ulahlekile.

Ukuze ubani isitifiketi kwabakhulelwe dolobha, ngo-2017 I etholakalayo izinhlelo inzuzo - akukho phansi abatshelekayo zokukhokha ku Novosibirsk. Sberbank inikeza Luhambo sozaomschikov ngaphansi inkontileka, ngokwenza kanjalo wandise nenani eseduze ukuba lolu daba.

Amaphepha adingekayo bengatshelekwa

Uma ubhalisa mortgage uma uthenga impahla ebhange kuzodingeka ukuba unikeze amadokhumenti, okuyinto ngempela kuhlanganisa:

• Iphasiphothi.
• Inombolo ye-VAT.
• Isicelo bengatshelekwa.
• Incwadi evela kumqashi eqinisekisa ubude inkonzo hhayi ngaphasi kwetinyanga letisitfupha endaweni efanayo.
• Siza kusuka yesikhwama sempesheni eminikelo past 6 izinyanga.

Bank angacelwa imibhalo eyengeziwe, uhlu okuyinto ungathola emnyangweni lapho ukucubungula isikweletu okuhleliwe. Kungaba ezahlukene, futhi ngokuvamile incike ngebhange futhi uhlelo, esinikela izinzuzo. Novosibirsk mortgage ngaphandle inkokhelo phansi ngeke ngempela zidinga ukutshalwa ezengeziwe nokuhlolwa kwempahla. Njengomthetho, it is eyenziwa ngochwepheshe abazimele, futhi sekukhokhwe imali yabo likhona ngezindleko umboleki sika. Ngokwesilinganiso, e Novosibirsk izindleko zalo zokhahlamba kusuka $ 50.

Mortgage ngaphandle inkokhelo phansi Novosibirsk: Izibuyekezo

Ngokusho kumpendulo yekhasimende, Novosibirsk emabhange ahlukahlukene abatshelekayo kungabikho lokukhokha phansi namuhla, ngokuyinhloko ngenxa kobunzima obukhulu. Ngokuyisisekelo lo ehlaselwe inhlekelele 2008. Kusukela esikhathini sika-Novosibirsk amabhange bayanqikaza sihlinzeke izinhlelo ezinjalo ngaphansi inkontileka, uzama ukufaka esikhundleni salo imigomo okufanele nemibandela, ungawakhi umsebenzi ezengeziwe. Mhlawumbe, endaweni abatshelekayo crisis kungabikho lokukhokha phansi uzochitheka, njengoba ukhulisa izici ukwandisa ngokungathí sina ngokweqile futhi kakhulu kokuqina izimo loan.