Buyela mortgage isithakazelo. Kanjani ukuze uthole imali ikhokhwe mortgage isithakazelo

Ukuba impahla yakho siqu yisikali sokuthi inani. Eminyakeni engu-30 edlule i-ikhambi lale nkinga Sasinjani isimo. Manje, izakhamuzi ngokwabo Kumele unikeze yokuhlala yabo. Kodwa usizo namanje bangathembela. Ngokwesibonelo, ukubuya inzalo mortgage. On the essence imininingwane yale nqubo, funda ku.

Ukucaciswa imiqondo

Mortgage - enye yezindlela ukuthola izindlu zabo. Uma kungenjalo abantu abaningi ababebonisa isithakazelo ephezulu le sevisi, une sekuyisikhathi eside njalo Russian usehambe amavidyo square yabo. Nokho, isimo inikeza kungenzeka ngokwengxenye isinxephezelo nezindleko. Ngakho, kuyini nokuthi ukubuya inzalo mortgage empeleni.

1. UMbuso uyavuma ukuthi ukuthengwa kwezindlu - lena isenzakalo esibaluleke kakhulu ekuphileni izakhamizi, Ngakho-ke, yenza izinguquko Tax Code.
2. Yenqaba ingcebo izindleko yokufuna zenzeka ngokunciphisa base yentela, ngazo isakhamuzi okhokhela 13% NFDL. Ngokwesibonelo, uma umuntu bakhokhiswe wenyanga ezinkulungwaneni ezingu-30. Deda., Unyaka wathola 360 ayizinkulungwane. Deda. Uma leli nani nguye ophethe ukuthenga impahla, base intela kuyehla inombolo efanayo. Lokho, isimo ubophekile ukuba ubuyele: 360/100 x 13 = ama-ruble ayizigidi 46,8 .. Le ngxenye intela enqwabelene ngonyaka lapho ukuthengwa waphethwa. Ukubala uthatha lemali engenayo enqwabelene kodwa ingakhokhwa.
3. Inani labantu bakwazi ukuthenga indawo ngesikhathi, kancane. ukuthengiselana Okuningi senziwa in izitolimende. Isimo isungule luhlelo lapho base inikezwa ukwehla inani isithakazelo abantu bakhokhe ngesimo izinkokhelo zenyanga. Ngenxa ikhomishana ibhange - ingxenye eyinhloko ukuthengwa i izindleko efulethini. 13% yale mali, futhi kumelwe ibuyiselwe.

Ngubani umuntu unelungelo lokubamba susa

Izakhamizi abanale imithombo imali encani yentela kwentela yengeniso. Okokuqala abantu abasebenzako bese iholo "amhlophe". Uma usebenzisa i-scheme "grey", bese ungakwazi ukubala isinxephezelo + ngokuhle engenayo olusemthethweni. Uma isakhamuzi uthola iholo ezihlukahlukene (imisebenzi emibili noma ngaphezulu, yerenti, etholakale ngokudayisa ukudayiswa izibambiso, njll), Bangaphinde isetshenziselwe izibalo.

Uma lo muntu obolekayo iyona usomabhizinisi ngubani abasebenza "lula uhlelo intela", kodwa iqiniso liwukuthi akayikhokhi sinelungelo inzuzo enjalo. Kuyefana nasendleleni impesheni.

Abesifazane ungafaka isicelo sokuthi ubuyiselwe imali inzalo ekhokhiwe ku mortgage emva ikhefu lokuyobeletha. Uma yokuhlala yathengwa phambi kwakhe, ziyabhekelelwa izimali ukuze "ikhefu." Uma akumelwe lingabi nawo, okusele ke ingatholakala emva kwemaholide.

Abantu abenza ngokusemthethweni ukusebenza eRussia izinyanga ezingaphezu kuka-6 ngonyaka, kodwa akudingeki yisakhamuzi, ingathola imbuyiselo inzalo mortgage.

I-exemption asisebenzi uma okwenziwa sikhishwe kwezihlobo, abalingani kanye nezinye izinhlangano ahlobene.

Inani nokudoswa

I sokubala kuyinto kwemali esetshenziswe ukwakha, ukuthenga ingcebo. Uma okwenziwayo khuphela ekhethekile-injongo ukubolekisa, inzalo kunakwe ngoba. Kodwa ngo inkontileka masisho ngokucacile ukuthi imali ekhishelwe "ukuthenga indlu." amagama angafani kungamukeleki.

Uma indlu ngaphandle yokuqedela iye ikhishwe mortgages, ukubuya 13 per cent ayovela ekubalweni lemali uthishanhloko kanye nesithakazelo imalimboleko, izindleko ukuthuthukiswa project, yokufuna izinto, siqede lokukhokha, uxhumano amanethiwekhi ugesi, amanzi kanye negesi. Izindleko kokuqedwa kungaba kucatshangelwe kuphela uma uthi inkontileka ukuthi atholwe isakhiwo sidle. Uma khuphela lwemali mortgages, zonke izindleko ukuhumusheka izinga lokushintshisana ngosuku lokukhokha.

Inani eliphelele nokudoswa kukhawulwe 2 mln. Deda. ku ukubuya uthishanhloko kanye 3 mln. ukukuthinta. - lapho ubuyela amaphesenti. Ilungiselelo sakamuva asisebenzi kuphela izinkontileka aluphelanga ngemva 2013. I imali yentela awukwazi ukufaka izindleko angene kuzona, bangakunaki uxhaso, womama dolobha kanye nezinye izinkokhelo nomphakathi.

Buyela mortgage isithakazelo: imibhalo yokubhalisa

• Inkontileka ukuthenga ingcebo noma amalungelo ukuba sikuzuze endlini elalisanda kwakhiwa.
• Ukwamukelwa yokudlulisela.
• Imibhalo eqinisekisa izindleko (irisidi oda, irisidi nomthengisi, izitatimende zasebhange, amarisidi kwempahla izinto).
• Imibhalo nihlola ubunikazi.
• Credit sivumelwano.

Ngaphandle isitifiketi sobunikazi ayikwazi ukuthola imali yentela. Uma uthenge impahla endlini elalisanda kwakhiwa, ukubhaliswa izinzuzo udinga ulinde isenzo ukwamukela ukudluliswa. Zonke imibhalo kufanele ikhishwe ngesikhathi umuntu uya ukuthola isinxephezelo. Kungenjalo uzoba ukubhala amandla ommeli e lokukhokha komunye oyedwa yangempela.

Iphakheji kwemibhalo udinga ukunikeza intela endaweni yokuhlala, akukhathaleki ukuthi aqhamuka kuphi impahla u aluthola. Isinqumo isikhathi - izinyanga 3. Uma impendulo inguyebo, khona-ke udinga ukubhala isicelo, ecacisa inani akhawunti yasebhange ukuze uthumele izimali. Imali kumele atholakale enyangeni eyodwa. Endabeni ka kokunikezwa kwe-bentela akhokhe inzalo ntu for nsukuzonke of ezenzakalelayo ku izinga refinancing. Uma isicelo sokuthi ubuyiselwe imali inzalo ekhokhiwe ku mortgage sinqatshiwe, ungaphikisana enkantolo.

Ukubulawa kuthengiselana ngokusebenzisa umqashi

Akubona bonke abantu sizikhandle silungise ne intela. Ngakho-ke, kubuye zingahlelwa emsebenzini. Kulokhu, umsebenzi uzokhokhelwa iholo elikhulu njengoba kwentela engenayo umqashi ngeke bagodle. Uma ubhalisa ukusebenza kuyadingeka ukuze qaphela imali yentela ngoba igama lenkampani. Leli phepha kanye isicelo kubalulekile ukuba bazithobe umqashi.

Siqu kwentela engenayo ngeke ukhokhiswe kusukela ngenyanga kulandela kokuthola imibhalo. Uma umsebenzi ufuna ukushintsha indawo lapho beya emsebenzini, ibhalansi isinxephezelo ingatholakala kuphela ngokusebenzisa intela. Esikhishwe kanye ngonyaka.

Uma umsebenzi unendawo umsebenzi, uzothola imali inzalo mortgage, ngeke ukukhipha ezinye ezibanjwayo nale umqashi.

Inqubo lokukhokha

Okokuqala eyibuyisela amanani esichithwa ukuthengwa ingcebo (kufika ku-ruble ayizigidi 260 = 13% * 2 million ...), Bese - inzalo ekhokhiwe. Kodwa isimemezelo kuyadingeka ukuze ucacise isamba okuyinto uyakuba necala isinxephezelo. Iphakheji kwemibhalo kumele zivuselelwe njalo ezinyangeni ezingu-12.

Uma inani engenayo awubhekene inani ezibanjwayo, ke angadluliselwa ngonyaka ozayo. Esikhathini izikimu ngamaholo "grey", kuba khona isikweletu kwabasiza kakade, futhi isinxephezelo baye ukulinda iminyaka embalwa.

isiphetho

Umuntu ozuza impahla ngesikweletu eRussia, unelungelo lokuthola imali yentela engenayo siqu. Isithakazelo on mortgages imali ayikweletayo ngokushesha, kodwa okungenani ekukhokhweni izikweletu ebhange. Umsebenzi wenza ngokusebenzisa intela. Imibhalo ye-ebanjwayo udinga njalo ngonyaka. Uma lwemali bekulokhu abatshelekayo khishwa isinxephezelo ibalwa kusukela inani izindleko ukuguqula ku ruble ngesilinganiso exchange ngosuku lokukhokha.