Imali mboleko yezindlu: izici, izimo nezidingo. Ukulungiswa kabusha kwemali mboleko yezindlu zangasese

Phakathi neminyaka embalwa eyedlule, phakathi kwezinye izinhlelo zebhange ezifunwa kubantu abaningi, indawo yokuqala yibo imali yokubolekwa kwezindlu. Futhi lokhu akumangazi, ngoba wonke umuntu ufuna ukuba nophahla phezu kwekhanda lakhe, noma ubani ongenayo eyodwa, futhi lowo onesifiso ufuna ukuthola amamitha ayizigremu angaphezulu. Izinhlelo zebhange zenza kube lula ukuthola wonke amaphupho esikhala sokuhlala, ngakho-ke, inani lemali yokubolekwa kwezindlu ezikhishwe ngamakhaya likhishwa minyaka yonke. Kodwa kunabantu abaningi abasazi ngemithetho yokunikeza izimali zokuthenga kuphela ezindabeni zabangane kanye nezinkolelo emphakathini.

Ukusekelwa kunikeziwe

Ukuze unikeze abantu ngamathuba okuthenga ikhaya, izinhlelo eziningi zaqaliswa, isibonelo, ukulungiswa kwemali mboleko yezindlu. Izakhiwo ezahlukene zebhange zinikeza okuhlukile komunye nomunye, kodwa izimo ezihle kakhulu. Umbuso usiza lawo mabhange abambisana nabaningi ngemali yokukhokhela imali, imali enkulu yomzali. Ezingeni likahulumeni, kuneprojekthi lapho izakhamuzi zaseRussia zikwazi ukuthenga izindlu ngamagama afanelekayo.

Uhulumeni akazange ashiye lolu daba ngaphandle kokunakekelwa. Isakhiwo esisebenzisana nezakhiwo zebhange sakhiwa. Ibizwa ngokuthi i-AHML - i-ejenti yokuboleka imali. Ukwengeza, i-Agency for the Restructuring of Housing Mortgage Loans nayo isebenza. Kunezakhiwo zesifunda, izikhungo ezihlukene zokubolekwa kwempahla zisebenza. Konke lokhu kuvumela abantu ababolekisa izindlu zabo namuhla ukuba baqiniseke esikhathini esizayo nokuthi bazokwazi ukukhokha izikweletu zabo ngisho noma isimo sezomnotho sishintsha.

Okwamanje nekusasa

Manje ukulinganiselwa okulinganiselwe kwemakethe yezimpahla eRussia - cishe amaRandi ayizigidi ezingu-400, kodwa kungenzeka ukuthi ukuthuthukiswa kungenzeka okungenani kunezinga elingama-30 billion! Lokhu kusho ukuthi izimo zohlelo losizo lwezindlu zokuboleka izindlu zempahla zizokwenza abantu abanentshisekelo ngokwengeziwe. Amabhange, futhi, angancika ekwandiseni ivolumu yokuthengiselana.

Izibalo zibonisa ngokucacile ukuthi i-mortgage iyindlela eyamukelekayo, eyingempela yokuthenga ikhaya. Lokhu kusebenza kuzo zonke izifunda zezwe ngaphandle kokungafani. Singasho ngokuphepha ukuthi ngaphandle kwemali mboleko yezindlu ze-Sberbank, imindeni eminingi yalabo abanophahla phezu kwamakhanda abo namhlanje ayengeke bakwazi ukwenza kanjalo uma behamba kuphela ngezimali ezizothola emgodini weglasi.

Mortgage: i-panacea yazo zonke izifo?

Naphezu kohlelo lwamanje lokuhlelwa kabusha kwemali mboleko yezindlu, ukuthengwa kwemali ebhange kanye nemigomo ezuzisayo yezinkampani ezinokwethenjelwa zezezimali, ochwepheshe bayakhuthaza. Akunakwenzeka ukucabangela ukuthenga impahla njengesixazululo esisodwa kuphela esingase sibhekene nenkinga yezindlu.

Ngokombono wabososayensi abathile, ukucubungula kuphela emcimbini wemakethe yamanje kanye nokwakhiwa kwesakhiwo esiphuthumayo kuyo kuzovumela ukunciphisa umehluko phakathi kwenzuzo yabakhileyo kanye nentengo ngayinye imitha yendawo. Shayela nge-loan housing housing kanye nezinye izinhlelo zokudala isisekelo semakethe yomphakathi omusha. Amathrendi ekuthuthukisweni kwemali mboleko yaseRussia eminyakeni yamuva ngokuvamile ahlangabezane nezimfuneko zalaba ososayensi, kodwa kusekhona indawo yokuthuthukisa. Uhlelo oluphumelelayo ngempela luzoba lapho isimo sezomnotho ezweni sizoqina.

Izinkinga nezinkinga

Kungani usizo emalini yokubolekwa kwempahla engenakukwazi ukuxazulula izinkinga nezindlu emndenini ngamunye? Isizathu esiyinhloko ngokuqondile ukusimama komnotho. E-Russia, izinhlelo zokwahlulela, ezomthetho, zebhange azikakhiwa ngokwanele. Futhi kuze kube yilolu suku inzalo kuhlelo lwezikweletu liphezulu-phezulu, futhi ayikho amalungelo okuqinisekiswa kwezindlu. Amanani ayengqayizivele, imikhakha yezindlu ihlukanisiwe nomnotho wezwe. Abanye ochwepheshe benza amabhethri ohlelweni lokuboleka kwezinga elilodwa njengento elula kunazo zonke, esebenzayo, esebenzayo ezikhona zangempela. Izici zalo ukukhishwa komshuwalense, ukulula kwemithetho efanele yomthetho.

Uhlelo lukaHulumeni lweNsiza eZindlu Zokubolekwa kwemali mboleko sekube usizo olubalulekile ohlelweni lwebhange kanye nabantu abadinga ukuphahla phezu kwamakhanda abo. Kukhona usizo oluhlosiwe, okuyinto, kanye ne-mortgage-long mortgage ethembisa ukuba yingxenye ebalulekile yenqubomgomo yezindlu emphakathini. Kodwa ngenxa yalokhu, imithetho yezwe idinga ukufaka izinto ezibeka ngokucacile ukubolekwa kwezindlu zokubolekwa kwempahla, izimo zabo, kuhlanganise nalabo abasebenza kulawo maqembu abantu abhekwa njengabakhuselekanga emphakathini.

Kubalulekile futhi kubalulekile

Indlela ephumelela kakhulu yokuthuthukisa imakethe yezindlu ihloselwe usizo oluvela kuhulumeni. Ochwepheshe bathi kuyadingeka ukwethula izinzuzo ezintsha ezivumela ukuthola imali mboleko noma ukuyibuyisela ngaphansi kwezimo ezilula, kubalulekile ukwethula izinsizakalo kanye nemali mboleko yezikweletu ukuze kube lula umsebenzi womninikhaya ukuba akhokhe izikweletu.

Ingabe iziphakamiso ezinengqondo zokugqugquzela ukuthola imali yokubolekwa kwezindlu zangasese ngokusebenzisa uhlelo lwentela. Abanye futhi banikeza ukukhuthaza umkhuba wokuqoqa imali emphakathini futhi ngisho nokukhuthaza labo abaphumelela ngokukhethekile ekubhekaneni nakho. Okokugcina, kubalulekile ukuthuthukisa izinhlelo eziningana zokuthenga izindlu, ukuze izakhamuzi zikhethe ukuthi yini efanelana nazo. Uhulumeni kuphela okwazi ukucabanga, ukusebenza nokusebenzisa konke lokhu.

Ukubolekwa kwemali: kuzoba lula

Ungalindela ukushintsha isimo ngokuthengwa kwezindlu ngesikweletu, uma kungenzeka ukuba kushukumise isidingo semikhiqizo yasebhange kule ndawo, okufanele isekelwe ukukhethwa okwanele kwezindlu emakethe yezindlu. Ezingeni likahulumeni, kuyadingeka ukwethula uhlelo lokulawulwa kwezinhlekelele nokuthuthukisa imithetho yentela kahulumeni. Konke lokhu, kuhlanganise nokutholakala kwezinhlelo zokubolekwa kwempahla yomphakathi jikelele, kuzokwandisa ukufunwa kwezinkampani zezimali.

Ochwepheshe bezimakethe zangasese bathi ukuphumelela kakhulu kuzoba (futhi sekusetshenziswa kakade) izinhlelo ezikhethekile zemiklakha ezibhekiswe kumaqembu amancane abantu. Isibonelo, lezi yizikhwama zemali yezempi noma imindeni encane enezingane, labo abathembele ekubanjweni kokubeletha. Ngokuqondene nalezi zinsuku, kuyinkinga ephikisana kakhulu. Uhlelo luhle ngomqondo walo, kodwa ukuqaliswa kwalo kushiya okuningi okudingekayo. Kubalulekile ukwethula ukucaciswa kwenani emithethweni ekhona, ezokwenza ukuthi iphumelele kakhulu.

Isikweletu ngamalimboti, esindisa amabhulukwe wokugcina

Eminyakeni yamuva nje, kuqhubeka ngokucacile ukuthi imali yokubophezela umndeni ingumthwalo ongenakubekezelela. Isibonelo, omunye wabashadile unqatshelwe umsebenzi futhi isikhathi eside akakwazi ukuthola entsha, kodwa imali yesibambiso isivele ithathwe futhi izinkokhelo kufanele zikhokhwe ngesikhathi. Ungangena emgodini wezikweleti futhi ungashiyi ngaphandle kwe-penny (futhi ngisho ngaphandle kokuphahla phezu kwekhanda lakho), uma usebenzisa uhlelo lokuhlelwa kwemali mboleko. Isebenza kuphela kumakhasimende ezakhiwo zebhange, ezithola ezisebunzima kakhulu ekuphileni.

Ngokuhlelwa kabusha, ungagcina uphahla phezu kwekhanda lakho, ngenkathi unciphisa inani lokukhokha ngenyanga. Ungathola ukufinyelela kwezinhlelo ezikhethiwe noma ngisho nokuthengisa indawo yokuhlala, indawo yokubolekwa okungeke ibe khona, futhi uthenge okuthile okungabizi. Kubalulekile ukulondoloza ikhwalithi yomlando wesikolodo.

Ungayisebenzisa kanjani?

Ukuze uqale kabusha, udinga uxhumane nenkampani ekhishwa imali noma i-realtor firm (realtor). Ukuqala kokuqala kubonakala kunokwethenjelwa, kepha akuzona zonke izakhiwo zezimali ezilungele ukuhlangabezana nekhasimende. Kunzima kakhulu ukuthola kabusha, lapho izindlu ezibiza kakhulu zibiza kakhulu ukuthengisa, ukuthenga into eshibhile.

Ukubambisana nomxhumanisi kungaba lula, kunenzuzo futhi kuyabiza. Ama-Agents ahlola izindlu, akholelwa ukuthi intengo ye-real estate idlula inani lesikweletu, thola ukuzimisela ukuthenga futhi unikeze iklayenti okuthile okungabizi esiteshini sabo. Ngesikhathi esifanayo, iklayenti ingathatha isikhwama semali ekhokhelwa izindlu zokuthenga izindlu ezintsha noma ngisho nokukhokha imali yakhe, uma kungenzeka. Okusho ukuthi, ngokuphepha kwephahla phezu kwekhanda lakho, ungakwazi ukukhulula kakhulu umthwalo wokukhokha ngenyanga.

Ukulungiswa kabusha: izinhlinzeko zebhange

Iziphi iziphakamiso ongayilindela kubasebenzi basebhange ngokuxhumana nenkampani ekhishwe imali yokuthenga izindlu? Okukhethwa kuqala ukunciphisa inani lokukhokha nyangazonke. Ngesikhathi esifanayo isikhathi sokukhokhwa kwezikweletu sikhula futhi kukhona ukukhokhelwa ngokweqile ngokwezimali ngaphansi kohlelo.

Amabhange amaningi anikeza amaholide esikweletu. Leli gama licabanga ukuthi iklayenti ikhokha kuphela inzalo mboleko ngesikhathi sokuxoxisana kusengaphambili. Kodwa-ke, lapha isimo sifana naso - isikhathi sesikhathi sithenduliwe, kungani ukukhokha ngokweqile kwanda.

Okokugcina, banganikeza ukuvuselelwa kabusha. Lokhu kusho ukuthi iklayenti ithola isikweletu esisha, imigomo yayo ingcono kunamanje. Uhlelo olunjalo lungacelwa hhayi ebhange lakho kuphela, kodwa nakulo wesithathu. Izimali ezitholiwe ngaphansi kwalolu hlelo ziqondiswe esikhwameni sokuqala, ziyacinywa kanyekanye, bese zikhokha kancane kancane esikweletini esisha.

Amabhange: izinketho eziningi

Ngaphezu kwalezi zinhlelo zokuvuselela, kuneziphakamiso ezithile ezivumela iklayenti ukuba ikhokhele isikweletu sakhe ngendlela elula. Isibonelo, uma isimo sezomnotho singazinzile futhi sihambisana nokuguquguquka okunamandla kwamanani emali, ibhange linganikeza iklayenti ukuthi lishintshe imali yesibolekiso. Ngendlela efanele, lokhu kusiza ukunciphisa izinkokhelo.

Amanye amabhange aphakamisa izinhlawulo, izinkokhelo, ukuthethelela inani eliqongelelwe ngenxa yokukhokha kwesikhathi. Kungenzeka futhi ukubuyisela uhlelo lwempahla ngaphambi kwesikhathi. Kulesi simo, iklayenti igcina ukukhokhwa ngokwezimali, kodwa ngeke kwenzeke ukubuyisela ekukhokhweni kokuqala uma izimo zisebenza ngamandla.

Ama-Agencies: konke ekuphishekeleni iklayenti

Izinkampani zendawo yokuhlala ziyazuza ukuthi abantu baya kubo, ngakho-ke la mafemu enza konke okusemandleni ukuheha labo abafuna ukukhokha ngemali yokubolekwa kwemali, bese befaka indawo yokuhlala.

Uma uxhumana ne-ejensi, uzokuqala ukuhlangana nochwepheshe. Bazohlola izindlu, benze isiphetho esisemthethweni, ngesisekelo lapho inkampani inquma khona ukuthi ingene endlini yenkinga noma ingozi kakhulu. Uma ukulinganisa kungaphezu kwesikweletu ebhange, ungathembela ekubambisaneni okukhiqizayo. Amagatsha afuna umthengi ekhaya, futhi imali umdayisi uyothola ithunyelwa ebhange, ukuvala isikweletu. Ezinye izimali zingase zihlale ekulahleni kwamakhasimende. Bangakwazi ukuqondiswa ngokuphepha ukuthenga izindlu ezintsha, ezithobekile kakhulu. Thola lokhu kuzosiza abameli bekampani efanayo.