Yikuphi amabhange ukunikeza abatshelekayo ngaphandle ukukhokhelwa phansi? Ngingalutholaphi bengatshelekwa ngaphandle inkokhelo phansi?

Abaningi ukuthi ingathanda yini ukuhlala endlini yabo. Kodwa akubona bonke abantu abanomqondo imali ukwenza inkokhelo yokuqala. Ingabe kukhona okungenziwa esikhundleni sakho futhi ukuthi mortgage kungenzeka ngaphandle inkokhelo phansi? I amabhange eMoscow Njengamanje ezihlukahlukene izinhlelo ukuthenga izindlu abantu izifiso ezahlukene kanye namakhono. Ngakho-ke, abantu abaningi banesithakazelo inkinga kungaba besabela kahle ngokuphepha.

Inkokhelo yokuqala. Ingabe uyidinga? Ngoba kwenzenjani?

Iqiniso ukuthi inkokhelo yokuqala - umahluko phakathi ukubaluleka loan indlu namakhadi ukubaluleka impahla aluthola, abaningi abawazi. Kodwa akugcini lapho wazi ukuthi ezimweni eziningi, usayizi waso kuthinta inani lenzalo yemali ebolekwayo. I umncane lokukhokha, nengozi isuke inkulu ebhange-nezinkinga imali. Futhi ezincane lemali yokukhokha phansi, ayanda isilinganiso senzalo.

Uma ucabanga ukuba ngingehlelwa nangeyodwa kulezi isikhungo credit ngeke ukunikeza imali enjalo ezingozini ezinkulu, uku okungalungile. Njengamanje, mortgage ngempela ngaphandle inkokhelo phansi. Yikuphi amabhange ukukhipha loan enjalo? Konke kuncike kulokho isofthiwe ungumnikazi.

Have emakhaya abo? Isetshenziswa ukuthenga okusha! Nokuthathelwa ngaphandle nezinamathiselo

impahla ekhona zingakhiqiza eseduze ukuze abatshelekayo. Kulokhu, ungalindela-avareji yamaphesende isamba esingeqile 70% inani layo abekiwe. Inani lokugcina imalimboleko kuyoya ngokuthi uhola malini umboleki sika.

Yikuphi amabhange ukunikeza abatshelekayo ngaphandle ukukhokhelwa phansi? Kuvikeleka izindlu iyatholakala ku "Bank of Moscow" , ungahlela bengatshelekwa ukuthenga indawo noma indlu. yemizi angathengwa at kokubili okuyinhloko kanye emakethe yesibili. isamba semalimboleko - kusuka 500 ayizinkulungwane kuya ku-60% we ukubaluleka impahla izibambiso. Lapho inani lenzalo incike ubukhulu mortgage loan kuyahlukahluka ku ezahlukene 13,15% kuya 15,25%.

"Rosbank" futhi kuvikelwe mortgage loan etholakalayo ingcebo uzimisele ukunikeza. I "loan ingcebo kuvikelwe ekhona ingcebo - RR" ikuvumela ukuba ukuthenga Igumbi, efulethini, endlini noma umhlaba ngesilinganiso esingamaphesenti 12.6 kuya 14.1% ngonyaka. Njengoba ingasetshenziswa ezokuphepha efulethini, endlini umuntu ezweni noma nje umhlaba. Ibhange ilungele ukukhipha mortgage yemali esingeqile ku-80% yenani abekiwe ingcebo izibambiso. "Rosbank" - omunye ambalwa ukunikeza credit, futhi leyo mali akuyona ephansi kakhulu kunalokho izindleko izindlu ekhona.

Ngaphezu kwalokho, a mortgage enjalo kungenziwa akhishwe "Housing Finance Bank", "Svyaz-Bank", "Alfa-Bank" kanye nabanye abaningi.

Mortgage ngaphandle inkokhelo phansi ngokuhlinzekwa ezengeziwe

Kunenye kungenzeka sokubhalisa - ukuhlinzeka njengoba eseduze izibambiso.

Ngingalutholaphi bengatshelekwa ngaphandle inkokhelo phansi, ukuhlinzeka njengoba eseduze, ezifana imoto? Okwamanje, lezi amabhange akudingeki kakhulu. Phakathi kwabo, "Umnotho Bank", "Bank of Communications" futhi "BystroBank".

Ngo "Gazprombank" uhlelo "Ngcono izimo zokuphila." Lokhu indlu, uma wenza angadingi inkokhelo yokuqala, kodwa esinye isici. Lapho senza isivumelwano sesikweletu wena sisithembisa izinyanga 9 ukuthengisa impahla eseduze futhi imali makulethwe credit score. Kulokhu, lemali akufanele kube ngaphansi kuka-15% inani izindlu uthenge.

loan ukucutshungulwa ngaphansi Imali yokuqala

Ezinye loans amabhange udaba ngaphansi izinhlelo ezikhethekile "for imali sokuqala." Ngesikhathi esifanayo, khokhela off izikweletu, uzobe ukukhokha sokubolekwayo ezimbili.

Yikuphi amabhange ukunikeza abatshelekayo ngaphandle ukukhokhelwa phansi, okwenza aphume esikhundleni credit owengeziwe? Empeleni, izinhlangano ukuthi bazimisele ukunikeza out abatshelekayo ngaphansi loan esikhethekile ukukhokhelwa phansi, kungasiko. Lona "Delta Credit" futhi "eMoscow Mortgage Agency". Kungcono ukuba leli thuba ukucacisa umxhumanisi asebhange, lapho ufuna ukuhlela mortgage.

inhlokodolobha nokubeletha. Sisebenzisa njengendlela yokukhokha phansi lapho wenza mortgage

Thuthukisa isimo kwezezindlu, ungasebenzisa inhlokodolobha umzali. Amabhange zikuvumela ukuyisebenzisa njengendlela yokukhokha phansi mortgage. Nokho, akubona bonke zokuthenga ngesikweletu ukusebenza naye.

Ngakho lokho amabhange ukunikela abatshelekayo kungabikho lokukhokha phansi, ukuthatha esikhundleni inhlokodolobha umzali? Phakathi inhlokodolobha umndeni edume kakhulu njengoba lokukhokhela isitolimende sokuqala ethola amabhange "VTB 24" and Savings (ngaphansi 11% no-14% ngokulandelana). I DeltaCredit yasebhange kungenzeka ukuthola indlu, ukukhokhela% 5 kuphela izindleko izindlu.

Akunjalo kudala unina waqala ukusebenza dolobha amabhange "NomosBank" futhi "Primsotsbank", kodwa kakade baye wakwazi amehlo, ngenxa yezimo oluqotho ukuthola a mortgage.

Mortgage ngaphandle inkokhelo phansi kohlaka amakhredithi oyithandayo

Lokhu mortgage iyatholakala luhlelo abolekise concessional ngezithukuthuku ukuxhaswa uHulumeni. Kodwa awubhekene inani ezingaphezu kuka-10% inani lesakhiwo. Ngaphezu kwalokho, lolu hlelo ikuvumela ukuba ukuklama loan ngaphansi esincishisiwe senzalo.

Concessional abolekise kungenzeka khona isitifiketi eqinisekisa ilungelo lokuthola ngoxhaso usayizi ecacisiwe. Le dokhumenti esikhishwe umzimba ogunyaziwe isihloko RF. Lesi sitifiketi silungile izinyanga eziyisithupha.

Ukuze wonke amabhange abamba iqhaza ohlelweni, kukhona uhlu ejwayelekile kwemibhalo edingekayo uma kufakwa isicelo loan. Ukuze bahlanganyele obolekisayo concessional kuyadingeka ukuze uthumele isitifiketi 2-PIT ngoba kulezi zinyanga eziyisithupha ezidlule. Usayizi inkokhelo yanyanga zonke kumele singeqi 45% imali engenayo Imininingwane we umboleki nokubambisana umboleki.

Yikuphi amabhange ukunikeza abatshelekayo ngaphandle ukukhokhelwa phansi kohlaka abolekise oyithandayo? Lokhu kubolekisa ngemali angakhupha abalingani AIZhK kuphela. Futhi kusifunda ngasinye uhlu lwezinhlangano anikeza ayeyiboleke othisha abasha. Khetha ibhange kwesokudla esizeni HMLA.

Nokuthathelwa othisha abasha

Othisha, ogama yobudala ingaphansi kweminyaka engu-35 kungenzeka ukufanela bengatshelekwa ngaphansi kohlelo abolekise concessional. lenzalo yonyaka we 8.5% kwi yokufuna amafulethi 10.5% ku yokufuna indlu yangasese noma ifulethi esigabeni ukwakhiwa.

Yikuphi amabhange ukunikeza abatshelekayo ngaphandle ukukhokhelwa phansi othisha abasha? E-Moscow, uhlelo uhlu abalingani kuhlanganise Interkommerts amabhange ' "Bank" Petrocommerce ", JSC" Safe House ", JSC" Housing Finance Bank ".