Ukubuyiswa kwemali Sakudala mortgage VTB 24: izimo, izici, izinzuzo nezingozi

umthetho yamanje manje ivumela izinhlangano zezimali ukunikeza umboleki ukukhokha ngaphambi boleko isheduli inkontileka. Futhi mortgage kanye. Bank ngokusekelwa isimo VTB 24 futhi inikeza amakhasimende ayo uhlelo buyiselo zakuqala imalimboleko mortgage.

ezintathu Zonke izinketho

Ngokwe nemithetho Banking Law, senkokhelo esinqunyiwe - wenza inkokhelo, ezingaphezu kuka edingekayo senyanga, kodwa esingaphansi lonke isikweleti. ulindele ukubuyiselwa yona iphelele - kuyinto isingeniso yesikhathi esisodwa yesikweletu asele.

Uma ingxenye eyinhloko mortgage loan ukusikhokha, le zamabhange banganikeza okulandelayo:

- ukunciphisa isikhathi imalimboleko, ngaphandle kuncishiswe inani izinkokhelo;

- ukunciphisa lenkokhelo nyangazonke futhi ushiye ukuphila nesivumelwano sokubolekwa, ngaphandle koshintsho;

- ukukhokha lemali esele (oyinhloko inzalo enqwabelene) ngokugcwele.

Ukukhetha okukhethwa kukho efanelekayo - kungumsebenzi iklayenti.

Kwengxenye ukubuyiswa kwemali yokuqala yaleli mortgage VTB 24, isivumelwano ezengeziwe, okulingana amakhophi ambalwa futhi wasayinwa amaklayenti kanye nomele ibhange.

Ngebuhle nebubi kungenzeka

Injongo eyinhloko ukubuyiswa kwemali kwanoma loan - ibhange ukunciphisa ngokweqile, okuyinto ukubolekisa eside ke kubaluleke kakhulu. Zikhona nezinye izizathu. Ngokwesibonelo, isidingo bahlelekela isivumelwano esisha credit ebukhoneni okungekuhle waphetha lwemali yesivumelwano.

Buhle ngoba befuna imbuyiselo okuqala e-mortgage VTB 24 ibonakala isobala:

- umboleki kuzosusa encumbrances kusukela impahla ngamasimu ebhange, ngaphambi kwesikhathi ebesibekiwe;

- izindleko ukuncipha izinkokhelo esizayo (enikeziwe okungenani nanembuyiselo olungaphelele uthishanhloko).

Kodwa kukhona nemibi. Ochwepheshe bakubiza ngokuthi kubalulekile umboleki ukuze kuxazululeke ukubolekisa eside - ingxenye emali ukunciphisa izikweletu ebhange. Okungukuthi, kubalulekile ukubala izinzuzo buyiselo zakuqala credit (ongaphakeme isithakazelo), ikakhulukazi uma uhlela isivumelwano esisha loan.

izimo

Kusukela 2011, zonke izikhungo zezimali kanye ngesikweletu, VTB-24 azihlukile waqeda iqoqo ikhomishini neminye imikhawulo ku ukubuyiswa kwemali yokuqala yaleli mortgage. Imithetho ehlongozwayo azisebenzi kuphela mortgage wezempi. Yenza umrholo esivumelene umboleki unelungelo kuphela uma:

- khona kumephu enamathiselwe isivumelwano, ethile;

- ibhalansi omuhle yezinye akhawunti ikhadi wavula kunoma iyiphi legatsha VTB 24 futhi ezihlobene inkontileka mortgage;

- amanye ama-akhawunti plastic, ahlotshiswe egatsheni elikhiphe loan.

isinyathelo Independent on isikweletu ukubuyiswa kwemali ngaphambi ebhange akuvunyelwe. A sesikweletu kudingeka waziswe kusengaphambili mayelana isamba esengeziwe ezinikelwe. Futhi kudingeka isicelo sokukhokha imali esinqunywe ngokuvumelana okuqala e-mortgage VTB 24 Izibuyekezo amakhasimende omuhle: ebhange njalo kwenza ukuqashelwa.

Futhi ngisho ocingweni

Mhlawumbe ngisho ukude senkokhelo yokuqala yaleli mortgage VTB 24. Ukuze wenze lokhu, kumelwe uyiqambe enye yezinombolo ukusekelwa yasebhange (zingabantu kwi website esemthethweni). abaphathi ucingo wenze isicelo sokubhalisa edinga ulwazi lomkhokhi, abanezinkontileka futhi ukuvuthwa usuku, kanye nokwaziswa iphasiphothi. Ezinye izenzakalo kuchazwe lapha ngezansi by zimo. Imali kungcono ukubeka umthethosivivinywa uthathe usuku olulodwa noma ezimbili ngaphambi kokuthi kukhale insimbi.

ezindiza wamafutha

kusengaphambili Igcwele mortgage VTB 24, njengoba ngempela, ngokwengxenye, by indlela ngenhla (yocingo) sekungenzeka kuphela kulo nyaka. I Management Board yokutholwa isinqumo owawuthi wonke umuntu ngaphambi kwesikhathi imali ebolekiwe ungaxhumana hotline. Kuleminyaka izinyanga eziyisithupha, amaklayenti asebhange "baziswa" service. Izinga zezimali kanye zomthetho, izinga lokufunda nokubhala ngaphansi kwesilinganiso, ziqu of opharetha ukuthatha izingcingo, akuyona inkinga njalo ezifanele. Plus, amandla eliphansi imishini yocingo kanye algorithm ezibonakala enhle buyiselo zakuqala ka abatshelekayo iguqulwe futhi oluvamile luphenduka isiyaluyalu inkonzo.

Ukuzama injabulo bakhononda ngokuthi ucingo cishe kungenakwenzeka. On ubufakazi obubhalwe phansi mayelana nenani zezinkinga izikweletu, futhi (umphathi miscalculated, okweletayo, nokunye kabi wezwa. P.). Kwenye inqubo isicelo ngocingo modi senkokhelo yokuqala yaleli mortgage VTB 24 abakaze bacabange: indlela okungacaci ukusayina.

Umphumela: ukubambezeleka njalo, ukungafani amasheduli yokukhokha kanye nezikhalo engapheli. Iningi amaklayenti bayaqinisekiswa ukuthi ibhange elusizo: inzalo siyaqhubeka ezicela njalo ...

Inkokhelo ukuthengiselana

Dlulisela imali ukubuyiswa kwemali yokuqala yaleli mortgage VTB 24 kungenzeka kuphela kuze 19:00 ngezinsuku zeviki. Lesi simo itholakala njalo inkontileka mortgage. Izindlela zokukhokha eziningana:

- ngosizo yasebhange inthanethi emephini exhunywe loan;

- ekhawunteni kwelinye amagatsha ebhange;

- VTB esibulalayo 24;

- ukudluliswa kusuka kwelinye ibhange;

- ngokusebenzisa "Imeyili Russia";

- esebenzisa ekunqanyulweni evulekile VTB 24 idiphozi futhi ukudluliswa kusuka ku-akhawunti kuboshelwe loan mortgage.

Futhi kule inhlangano yezimali bese sikweleti akhokhe isikweletu sendlu noma womama capital yakho soxhaso nanganoma isiphi izinhlelo zikahulumeni ukwesekwa.

Endabeni womama dolobha kuyadingeka ukuze zisebenze Pension Fund nemitlolo elandelako:

- isitatimende anawo inhlokodolobha umzali;

- Isitifiketi ngoba dolobha;

- Isitifiketi umnikazi ipasipoti;

- isivumelwano sesikweletu;

- ubunikazi indlu, ukuthengwa kwezincwadi ku-loan mortgage;

- Hlola akhawunti kusuka endlini;

- isibopho uhlele yokuhlala wonke, ngaphandle kokukhetha, amalungu omndeni emva ukususwa encumbrances (kuhlanganise izingane).

Commission nezinye izinhlawulo buyiselo zakuqala we kungekho loan. Usayizi ulungisa lemali anikelwe iklayenti.

Uma inani lokukhulula esinqunyiwe

Bank nerejista e imigomo yesivumelwano lenkathi yokukhokha. Isitatimende ngenhloso ukukhokha ingxenye yesikweletu esikhulu ukuba wavumelana semholo. Ngakho-ke, isicelo kungaba zithunyelwe:

- olulodwa (ukusebenza) ngaphambi kokuqala kwesikhathi sokukhokha, kulesi simo, ukwenza senkokhelo bazovunyelwa ngalesi sikhathi;

- 30 izinsuku zekhalenda ngaphambi nokuqala kwenkathi - kulesi simo, senkokhelo kungenzeka ngaphandle lenkathi yokukhokha.

Uma ngesikhathi sokukhokha isikweletu siba ekukhokheni phezu loan indlu namakhadi umzimba, futhi inzalo enqwabelene, isikweletu wokuqala kwabasiza.

Endabeni ka ngokwengxenye buyiselo zakuqala wezicelo mortgage VTB 24 acabangele izici ezithile izinkokhelo. Njenge:

- bhala-off kwempahla kuzokwenzeka ngokuhambisana isheduli yokukhokha njalo ngenyanga;

- Umnikelo ilawulwa kuphela umboleki.

Le mithetho zisebenze izivumelwano mortgage ephethwe ngaphambi 2011. Kunenye isimo: inani eliphansi buyiselo okuqala e-mortgage VTB 24 kuyinto ruble 15 000.

ukubuyiswa kwemali olungaphelele loan izindlu kudinga kabusha yokubhaliswa esimisweni izinkokhelo futhi, uma kunesidingo, izinkokhelo zenyanga.

Uma befuna imbuyiselo egcwele

Kulokhu, iklayenti kufanele azise izinhlangano zezimali-credit Kuphoqelekile. Kodwa wokuhlengwa kungenzeka nganoma iyiphi usuku, njengoba izimele lenkathi yokukhokha.

Lolu khetho kuhilela wokuhlengwa kulethwa isicelo kulezi zimiso:

- usuku yasebhange omunye ngaphambi kosuku ukuvuthwa (uma kuwukuthi lenkathi yokukhokha);

- kuze kube 18 amahora ngosuku ukuvuthwa (uma ingaphandle semholo).

Lamagama abhalwe isitatimende, ekunqanyulweni, futhi ibhange kudinga ukuhambisana yabo esiqinile. Uma endaweni umrholo esivumelene ngawo uhlala phezu yasebhange isitatimende akhawunti, ekunqanyulweni ngeke kukhanselwe. Ngakho-ke, ukufake futhi, ukubala buyiselo okuqala e-mortgage VTB 24 uzophinde usebenzise futhi bagqugquzela.

Thina ukubala inani eliqondile

Ngaphambi kokuthumela isicelo sokukhokha imali esinqunywe ngokuvumelana kwanoma mortgage kumele uxhumane ebhange ukwabiwa lemali esele ezikweletini: njengoba ingxenye enkulu, futhi isithakazelo. engenele ekukhokheleni ngalokwecile noma okungenani omunye ruble kuzobandakanya eziningi wamaphepha ezingadingekile.

VTB Bank inikeza amakhasimende ayo uhlelo self-ekubalweni kwesikweletu asele. Ukusebenza kungaba kwenziwe usebenzisa uhlelo yasebhange noma ukusebenzisa mathupha kunoma yiliphi ihhovisi le-ebhange (kuleli cala, umphathi izokhipha isitifiketi esingokomthetho ukuze isamba esele). Futhi, ukubala kungenzeka kwi website esemthethweni VTB Group izinkampani 24 ehhovisi yangasese nge mortgage wokubala ekhethekile. Nayo kuwebhusayithi yebhange. Calculator ukulandwa Excel format. Ukuyisebenzisa, ngokuvumelana amakhasimende, ke ulula.

Ukuvalwa yokugcina yesivumelwano

Akusona ukuqedwa kwenkontileka ne senkokhelo osebeni inani eligcwele. Kulokhu, mortgage ibonwa zivalwe kahle, ngakho umlando credit kungathinta ulwazi kwaqedwa izibopho. Ukuze ugweme lawa maphutha, kufanele wenze lokhu okulandelayo:

- yasayina isivumelwano mutual nebhange sokuqeda inkontileka ngesisekelo isicelo okufakiwe of umboleki;

- ukubhala isicelo ukuchitha ikhadi plastic ixhunyaniswe ne-akhawunti yesivumelwano mortgage (umphathi webhange ubophekile ukuba ahlukaniswe khona ikhadi amaklayenti e tape zokuzivikela);

- faka isicelo ukuvala akhawunti loan ngokusebenzisa okuyinto izinkokhelo benziwa isicelo esibhaliwe.

Kwaze kwaba yilapho sebeshiye ngalezi zinqubo, ibhange ikhipha isiqinisekiso esibhaliwe mayelana ukungabi khona izikweletu futhi kuzisho.

Izici lempi mortgage ukubuyiswa kwemali

Military Mortgage waqaphela ngokusebenzisa isimo accumulative mortgage uhlelo (NIS). iqembu lakhe, obuyisela loan izindlu, tholani imali FGKU "Rosvoenipoteka", okuyinto bayoqhubeka bekhula.

ukubuyiswa kwemali Sakudala mortgage lempi VTB 24 kwenza isosha suka credit izibopho futhi axoshwe ngaphambili kunalokho okulindele uma kunesidingo. Lapha kumelwe sikhumbule ukuthi ukudluliswa kuze kufike endaweni ebekelwe ku ngaphambi yabo emva kwezinsuku engamashumi amabili kusukela impilo mortgage ekhona has ongekho empini kuyodingeka bakhokhe zonke ukubaluleka wamemezela othengiwe. Lokho, ukubuyela kuhulumeni (NIS) Zonke izimali nyanga zonke, eqinisweni, nolimi lokuqala.

Ezigabeni esilandelayo izimo buyiselo zakuqala imali-mboleko mortgage kusukela VTB 24 amasosha akuhlukile izimo imali esinjalo nezakhamuzi.

Thumela scriptum

umthetho yamanje kudinga umboleki ukuthi ukuthathelwa umshuwalense mortgage. Lezi izinkokhelo ezibekwe ubukhulu jikelele, ebalwa ngeligalelo nyangazonke. Ngakho-ke, uma befuna imbuyiselo ekuseni imalimboleko kumele uxhumane inkampani yomshuwalense futhi bacele buyisela imali engasetshenziswanga kodwa ikhokhwe kakade.

Futhi Uthole la maphepha ku inkokhelo egcwele mortgage, ungathatha kubo egumbini cadastral ukususa encumbrance ka othengiwe.