Yikuphi okungcono - imali-mboleko noma mortgage ukuthenga ekhaya?

Ukuthengwa yokuhlala siqu bekulokhu ezabe imikhaya eminingi abasha. Emazweni European, umbuzo okuyinto engcono: loan noma indlu, akusiyo kuwufanele izakhamuzi zawo. Isizathu siwukuthi amabhange Western owabeke umehluko kakhulu phakathi kwalezi zinhlobo sokubolekwayo. ERussia, kunalokho, igebe akusilo obonakalayo ngakho. Ngakho yini okufanele sizithathe? Mortgage noma loan umthengi? Yikuphi okungcono? EMoscow nakwamanye amadolobha amaningi Russian kungaba ukuziqhayisa enjalo zenzalo:

13-14% - mortgage;

17-20% - ukubolekisa umthengi.

Njengoba ubona, umehluko akuyona omkhulu ngokomthetho. Ngakho-ke, umbuzo ukuthi kungcono: loan noma indlu, is kuyanda. Asihambe nathi sizindle ngale ndaba, ake siqhathanise isimo ngebuhle nebubi zalezi zinhlobo sokubolekwayo.

Mortgage: lokhu

Ngaphambi sikhuluma onjani izinhlobo loan kungcono ukuthatha: imali-mboleko noma indlu, ake delineate ngokwabo imiqondo le.

By Igama elithi "mortgage" kusho boleko imali inikezwe wena sezimali ukuthengwa kwezindlu. Ngesikhathi esifanayo kwinkontileka of mortgage abolekise sokunene eyayifunwa yokuthi yokufuna indlu ngokushesha iba izibambiso. Lokhu kusho ukuthi efulethini uthenge ngeke ngokusemthethweni elakho nje awazi ukhokhe izikweletu zakho. Umnikazi impahla kuyoba ebhange. Ngakho impendulo yombuzo ophathelene nokuthi. kungcono ukuthatha - ". ikhaya ebhange" a mortgage noma loan, intando ngokwezinga elikhulu zincike ngabe ufuna ngokushesha abe ngumnikazi ifulethi noma zilungele ukuphila iminyaka eminingi ezayo

Kanjani credit umthengi

Umthengi ebhange elikhulu uyakwazi ukukhipha, ngokuvamile akanandaba lapho imali uzobe wachitha. Ngaphezu kwalokho, indlu abalufundile noma ifulethi ngokushesha iba impahla yakho futhi ungenza nabo noma yini oyifunayo. Cishe njalo ukuthola imali-mboleko ezinjalo, uzodinga ukuletha eyodwa noma ngaphezulu guarantors. Futhi kudingeka uhlinzeke ibheyili, lilingane nenani edingekayo. Inzuzo kulokhu iqiniso lokuthi akadingi ukwenza kuyizindlu njengoba izibambiso. Lokhu kungaba yinto ebiza imoto, isikebhe, pier, izibambiso nokunye okuningi. Isimo wukuthi ukubaluleka mortgage. Kufanele kube sokuboshwa ubukhulu imalimboleko.

Izidingo yezinhlangano yasebhange

On emihle nemibi zalezi zinhlobo abolekise, sizobe ukukhuluma kancane ephansi, futhi manje ukuxoxa umehluko nezidingo amabhange ezimweni zombili. Nesikhathi kanye ukubaluleka iphakethe kwemibhalo nakho kungaba qinile zakuzakwana ngendaba okuyinto engcono - loan noma indlu.

Ngezinye ukubhaliswa edingekayo. nemalimboleko yisikhungo sezinhlangano eziphambili zezezimali unesithakazelo kuphela umboleki. Ngokuvamile hlola kumele unikeze ubufakazi engenayo, futhi ukuqinisekisa ukutholakala yisiboniso ngempumelelo.

Ngesikhathi ukubhaliswa kwe-isheke eliqinisekiswe mortgage phambili "ukuhlanzeka" efulethini. Ngakolunye uhlangothi, kuthatha okuningi isikhathi, kodwa ngakolunye - ungaqiniseka ukuthi akekho esizayo uzokwazi inselelo kuthengiselana. Ibhange nje ngeke uvumele esinjalo. Uma izikhungo zezimali ngeke kuphakama ukuthi kuncane ku obala kuthengiselana, wena nje musa ukuhlela mortgage.

Ephambi kwezinduna amaphepha adingekayo futhi ikhredithi umlando omuhle imali-mboleko umthengi zingaba ngosuku. Isinqumo ukuthola a mortgage zingase zephuze ngu izinsuku 5-7. Futhi iphakheji "mortgage" idokhumenti sikhulu kakhulu.

lenzalo

Ngakho, imali-mboleko noma mortgage ku indlu? Yikuphi okungcono? Ukuze uthole impendulo eqonde kakhulu yalo mbuzo ukwenaba empikiswaneni ngokweqile.

Njengoba sazi, ibhange izinhlelo mortgage abolekise isakhiwa njalo ngcono. Namuhla, iphesenti lolu hlobo loan zokhahlamba kusuka 10.5 kuya ku-15% ngonyaka. Futhi uma imalimboleko esithathwayo lwemali, ngisho aphansi.

Kodwa izinhlelo umthengi Awukude ngemuva. Uma ungenalo acabangele loans fabulously ezibizayo express, umthengi abolekise amazinga akuvamile idlule 20-21%. Kunengqondo ukuphetha ngokuthi lokhu abatshelekayo okuningi. Kodwa kungcono indlela obukeka ngayo.

Ukuze uqhathanise ngempumelelo sinake ukuhlala hhayi nje endaweni ukubheja inombolo, kodwa futhi phezu ngokweqile yangempela. Njengoba mortgage - loan eside, le ngokweqile lonke isikhathi lingafika ku-150, ngezinye izikhathi 200% kusukela intengo kokuqala. Umthengi credit kuyaqabukela unikezwa neminyaka engaphezu kwengu-7-8. Ngalesi sikhathi uyoba nesikhathi ukhokhe premium esingeqile ku-50% yezindleko izindlu. Ngakho inani uzimisele ukukhokha premium ngenxa yalokho, kungaba enye impikiswano elinamandla umbuzo kuyini okungcono: credit umthengi noma indlu.

Thina ukubala izindleko ezengeziwe

Household abolekise akuvamile ephelezelwa izinhlawulo ezengeziwe. In an icala ngokwedlulele wabo nje kungase angavezwa.

Endabeni ka ngeke bakwazi ukugwema inkokhelo eyengeziwe ukuze mortgage. izindleko ezinjalo, isibonelo, faka umshwalense okuphoqelekile okwenziwa ezikhungweni impahla. Ngaphezu kwalokho, isikhungo sezezimali ingadinga ukuthi ukuthathelwa umshuwalense hhayi kuphela izindlu uthenge, kodwa futhi ukuphila impilo, futhi ukugcizelela on the umshwalense isihloko amalungelo. Konke lokhu kwandisa kakhulu izindleko umboleki.

Kukhona eyodwa ngaphezulu liphuzu lelibalulekile. Ayikho yasebhange uzokunika mortgage ngaphandle koxhumano yokulinganisa esizimele impahla. Akubuzwa ukuthi ukuba bafeze lo kuhlolwa kwe- umboleki kumele kube, bekwenza ngezindleko zabo. Ukwenza abanye imibuzo nezimvume kungabuye ikhokhwe.

Izinzuzo nezingozi mortgage

Ngakho lokho loan noma indlu kangcono? Ake ucabange.

Njenganoma iyiphi enye uhlobo abolekise, mortgage loans banezimfanelo okuhle nokubi. Phakathi ezinhlangothini engcono kungathiwa elandelayo:

• I aphansi zenzalo. Lokhu kungenzeka ngoba ingozi ezenzakalelayo ku Kulokhu sincane kakhulu. Okokuqala, ibhange ngokucophelela hlola futhi lo muntu obolekayo futhi impahla kuluthola. Okwesibili, uma kwenkinga, efulethini is ukuhlala ubunikazi ebhange nje. Futhi kakhulu kakhulu eseduze ketshezi.
• Kwezinye izimo kungenzeka ukuba sikhiphe isibonelelo noma uthole isaphulelo kusukela wombuso. Khona-ke inani lenzalo umthengi ukuba bawele 6-8%.
• abolekise eside ngokuhlanganyela okungenani senzalo asihole ukukhokhelwa esiphezulu nyangazonke ezingabizi.

Nokho, zikhona, kukhona amaphuzu negative. Ngokwesibonelo, ezifana:

• Isidingo sandla kokuqala okungenani ngo-10% yezindleko into uthenge. Kuyadingeka buthelela.
• ngokweqile nje okuzingela. Ukuze lemali ukuthi ukhokha ekugcineni, ungakwazi ukuthenga ezimbili, futhi ngezinye izikhathi amafulethi amathathu.
• izindleko ezengeziwe Obalulekile, okuyinto kungagwenywa cha.
• Credit Cards Wiki akukwazi encane. Thola isamba esingama-ruble angu esingaphansi kwesigamu sesigidi kunzima ngempela. Lokhu kungenxa yokuthi phezulu we isikhungo sezezimali, kulesi simo kukhona ngempela eliphezulu.
• Okuvumelekile amalungelo endawo kuze ulindele ukubuyiselwa yona iphelele imalimboleko. Ungakwazi hlala ezweni izindlu uthenge. Kodwa lapha ukuthatha indawo iqashwe, ukuthengisa, exchange, banikele noma alenze nezinye izenzo zomthetho ngeke zisebenze. Futhi, ngeke kwenzeke ukwenza kanye kabusha ukuhlela. Lokhu kuzodinga kwemvume ebhalwe ebhange.
• Lokuqala ngokukhokha iba loan mortgage ngaphandle kokuhlawuliswa ngesinye isikhathi kunzima.

Emihle nemibi umthengi credit

Namanje ucabanga ukuthi kungcono kuwe udayise? Credit kuya efulethini futhi kunezinzuzo zako siqu:

• Zonke izicelo zibuyekezwa ngokushesha ngangokunokwenzeka futhi imali ungathola emini.
• Ukuze ababoleka eziphoqelelwe nezimfuneko ingasaphathwa elawula.
• Ngezinye yokubhaliswa umthengi kudingeka alungiselele isethi encane kakhulu kwemibhalo.
• Ungathola noma yimuphi imali. Ngiphakathi elingenhla noma umkhawulo ephansi, isimiso, akugcini.
• Asikho isidingo ukuba ngumnikazi amasheya. Ungathenga ifulethi, abangenalo imali ngisho inkokhelo phansi.
• Ezinye amabhange angakhipha imali ngaphandle izibambiso. Engingakusho nje kokuba yisiboniso ezinhle kuphela.
• Uma ngokuphumelelayo asondele kukhethwa iphakethe loan, le ngokweqile kungaba elincane kakhulu.
• Obolekayo ngokushesha iba umnikazi we impahla futhi kungaba, isibonelo, ukuqasha ke. Lokhu kungaba ngokuphawulekayo kusheshiswe inkokhelo yemali ebolekwayo.

Nebubi of umthengi credit:

• Kuqhathaniswa mortgage senzalo kungaba ngempela eliphezulu.
• Kungase kube nobunzima ukuqinisekisa umboleki ukukhokha. Ezinye amabhange musa ukucabanga ukuthi kungenzeka abe edonsa co-ababoleka ukwandisa esiphezulu loan lemali.

Kufinyeta

Uma ahlaziye ngokucophelela ngenhla, kungase kuqashelwe ukuthi, ngokuvamile, ukuze afeze iphupho ikhaya siqu namanje kangcono ukusebenzisa mortgage. Nokho, uma iningi imali usunayo futhi yigxathu sishoda okungenani ingxenye yesigidi, le potrebssuda - lena nje okudingayo. Ikakhulukazi uma ufuna phambili kokuthola imali eyengeziwe, futhi izindlu kumele ithengwe kakade manje ulinde ayikho indlela. Ngaphezu kwalokho, uma une imali enhle, kodwa asikwazi ukuqinisekisa ngakho ngokusemthethweni, mortgage nje ngeke unike.