Imigomo mortgage abolekise: imibhalo, iphuma okokuqala, zenzalo, imigomo

Abantu abaningi namuhla unesithakazelo mortgage imigomo. Ezezindlu kuyadingeka kuwo wonke umuntu, kodwa ukuze uthole kubo ngokushesha nje lapho kuvela hhayi wonke umuntu. Ngenxa yokuntuleka lemali edingekile of imali futhi kuyabiza athandwayo "square metres". Nokho, eziningi ziye zanquma ukuba mortgages, kodwa mayelana izimo lapho ikhishwe, ungakwazi ukutshela kabanzi.

ulwazi olujwayelekile

Okokuqala kuyafaneleka ukunakwa ukuthi umehluko phakathi lolu hlobo imalimboleko loan ezivamile. Caveat lokuqala - ngalesi sikhathi. Mortgage ikhishwa iminyaka 5-50. Kodwa ngokuvamile uphuzwe 15-25 (ngokwesilinganiso). Lokho kakhulu. Nokuthathelwa ekhishwe ezidingweni izindlu. Lokho ukuthengwa izindlu, zokuhlala, noma emsebenzini wokwakha. Caveat yesithathu e isibambiso. indima yakhe udlalwa by ingcebo uthenge. Ibhange kumele babe liwukuthi kuyothatha ukuthengisa futhi uzuze, uma iklayenti ayikwazi ukhokhe izikweletu zakho.

Lena - izimo jikelele mortgage obolekisayo. Uma ukholwa ukuthi izibalo ke kuyingcwelengcwele kuye onesibalo esikhulu ngokweqile. Kodwa akuzona obonakala khulu, njengoba lo mlisa wetha sawo kancane kancane isikhathi isikhathi eside. Ngaphandle kwalokho, abanye abantu bamane nje kwangqingetshe. Nokho, isibonelo engokomfanekiso ukuqonda ngale ndaba kulula.

amasevisi Sberbank

Kulesi isikhungo sezezimali ukubolekisa zithathwa kaningi. Futhi mortgage - iyathinteka, okuyinto akumangalisi, ngoba Sberbank iyona engcono, onokwethenjelwa futhi yimpumelelo kuleli zwe. Futhi inikeza amasevisi ezinhle.

Yiziphi Savings Bank izimo mortgage abolekise? Izimo zethu zihluke kakhulu evumayo. Kodwa izidingo amakhasimende abafanele.

Ake sithi insizwa ubhekile ngoba indlu ruble ayizigidi ezinhlanu. Imali akanayo, ngoba waba nesithakazelo a mortgage, bathi, eminyakeni 5 ngesikhathi lokuthenga ngesikweletu futhi inzalo ka 11.5%. Usuke ezodinga ukwenza umnikelo ruble 1 million. Kuyinto - 20% lemali. yasebhange obuphelele, ngemcondvo, amyise abayizigidi ezine. Ngeke uvumele isicelo, kepha uma kuyindodakazi, umamukeli amaholo ku Savings Bank, futhi inyanga wakhokha ubuncane ruble 115 000 njengoba s / n. Inyanga ngayinye, kuyokunikeza mayelana 88 000 ruble. Futhi ngenxa yalokho inani lemali ngokweqile ruble abangaba yizigidi ezingu-1,28. Kuyazuzisa yini noma cha - kungcono wonke uyazinqumela.

Overpayments ukuvuthwa okukhulu

Futhi uma acabangele nezinye izimo? Kungokufanayo loan lemali futhi ukukhokhelwa phansi kodwa izokhipha loan kuka 5, futhi eminyakeni engu-30 - ukuthi kwenzekani ngemva kwalokho? Akukho okuhle, njengoba inyanga ngayinye ngesikhathi iholo ayizinkulungwane 60. Hlikihla. umuntu kufanele akhokhe izinkulungwane 40. ukukuthinta. njengoba izinkokhelo, futhi ngenxa yalokho inani lemali ngokweqile ruble ayizigidi ezingu 10.9, ikhumbula iqiniso ukuthi abantu 'ukuthatha "kusukela isimo esikhathini esingaphansi izikhathi 2,5. Lezi imigomo mortgage abolekise ku Savings Bank. Lena akuyona indaba eqanjiwe - konke kungaba ihlolwe, ngoba le njongo manje kukhona yokubala ekhethekile inthanethi.

Yini okudingeka kusukela iklayenti?

Ngakho ngaphezu kucacisiwe kafushane imigomo mortgage abolekise ku Savings Bank. Manje ungakwazi lokumba isihloko bese ucoca ngalokho oyidingayo sesikweletu ikhasimende sabo ezingaba ukunikeza "ezinhle" ngalolu daba imalimboleko.

Eyokuqala - yobudala. Nokuthathelwa kungenziwa ikhishwe ukuqala at ubudala 21. Ubuningi beminyaka lilinganiselwe, ngokuvamile engu-65, kodwa kungcono kakhulu ngakho ku-isikweletu ukubuyiswa kwemali isikhathi ube yindoda. Nokho, isaga Sberbank ezahlukene nohlaka eziphambili. ubudala babo obuyisilinganiselo engu-75.

Umbandela ezibaluleke kakhulu - kuba ubudala. Ngokujwayelekile, kufanele okungenani ngonyaka. Futhi 6 izinyanga - endaweni efanayo. Kungcono ukuba "sifinyelele" komunye ibhizinisi kwelinye - abantu abanjalo abangethembi ebhange.

Kodwa la magama ebaluleke kakhulu mortgage abolekise zihlanganiswe ezingeni imali. Umuntu akumelwe imali eyanele. Ngenxa inyanga ngayinye ukuthi uzophoqeleka ukunikeza ebhange 40-50% weholo lazo. By the way, okubalulekile ebhange zihlale labo bantu babe ukutshalwa inzuzo (isib, amasheya). Uma iklayenti has investimenti ngegolide, izibambiso futhi ikusasa (ongakhetha) liyadingeka ukuqinisekisa lokhu. Lawa nemibandela mortgage obolekisayo.

Yini enye acatshangelwe?

Okungenhla - akusiyo zonke izimo isimo mortgage obolekisayo. Ngisho ibhange angase acabangele engenayo ye izihlobo abakhulu iklayenti (kuleli cala, uma guarantors) uphindze uqinisekise umthombo inzuzo. Ngokwesibonelo, endaweni iqashwe.

Okuningi umuntu akufanele abe yiziphi izikweletu ezivelele. Perfect credit umlando - ithuba oqondile yokuthola loan.

By the way, okubaluleke nakakhulu khona sozaomschika. Pair amakhasimende (indoda nomkayo) unikeze abanye abatshelekayo kanengi ukudlula olulodwa. Ngoba lapho ukuphendulela ukukhokhelwa abantu ababili nje, umthwalo wabo ngeke siphile. Ngaphezu kwalokho, imali Imininingwane yomsebenzi emikhulu. A sozaomschiki nezingane (ezimbili noma ngaphezulu) zinelungelo zisebenzisa inhlokodolobha umzali - bona abuyisele inkokhelo yokuqala noma ingxenye yemali ebolekwayo. It - oyithandayo mortgage obolekisayo. Imigomo lonke ziyefana for kwezinye izigaba amakhasimende.

Zokukhokha, isithakazelo kanye nezimali

izimo mortgage abolekise kuyizindlela ezilula kodwa amaningi. Njengoba kushiwo ngaphambili, ukukhipha loan yalolu hlobo kungaba amagama ahlukene. Kodwa inquma yasebhange uqobo. It incike yobudala, imali engenayo kanye loan usayizi iklayenti sika. Kuyacaca ukuthi uma umuntu ofuna ukuboleka ruble kwezigidi ezimbili, ngeke abanike ngonyaka. Ngaphandle-ke, hhayi nomholo wakhe ka-250 000 rbl. / Inyanga. Kodwa nge engenayo ngakho-abantu ukubolekisa kwezigidi ezimbili ungathathi, ngakho-ke asikwazi ngisho kubhekwe isibonelo.

Iminikelo futhi uhluke. Ngokwesibonelo, notorious Savings Bank inikeza kubahlanganyeli project "Umndeni Young" ukwenza% 10 kuphela izindleko ingqikithi yezindlu. Futhi uma kukhona ingane yobukhulu bayo kuyehla kube 5%. Inzuzo esifanayo, okubonisa izimo ezinhle mortgage abolekise eMoscow.

Izinga lenzalo yemali mboleko emabhange Cishe efanayo. It kuyahlukahluka ngokwesilinganiso kusuka 12 kuya 14%.

amadokhumenti

Khona-ke, esihlinzeka mortgage izimo loan kuyaqondakala iDemo. Futhi manje amaphepha adingekayo.

Leyo ndoda ithole kusukela yasebhange "ezinhle" loan, kuyodingeka ukuqoqa iphakheji kwemibhalo. Into ebaluleke kakhulu - kuba isicelo bengatshelekwa kanye nephrofayili. Futhi kudingeka ikhophi iphasipoti, isitifiketi umshwalense INN, ithikithi lempi (yamadoda), idokhumenti nasemfundweni, emshadweni / isehlukaniso, ukuzalwa kwezingane, ngisho emsebenzini-ncwadi. Ilungiselelwe futhi ifothokhophi version yayo, eqinisekisiwe ngumqashi. Futhi-ke, imibhalo ukuthi kukhona ubufakazi engenayo.

Njengoba ibhekwa kungadinga isitifiketi sokubhalisa (imvume yokuba yisakhamuzi), amakhophi ama-passport yabobonke abahlala ndawonye abanesifiso obolekayo, futhi amaphepha ngaphezulu eqinisekisa ukuthi umuntu ungumnikazi ezithile zomuntu. Nokho, uma kukhona okudingekayo ngaphandle isethi ejwayelekile zomculo - umuntu uzokwaziswa. Okubaluleke kakhulu - ungakhohlwa okwangempela.

Iziphakamiso lempi

Kufanele kuqashelwe ukunakekelwa okukhethekile. Military Mortgage izimo ngesikweletu inikeza nezinye, oholela kangcono. Ukuze uqale, inkontileka umsebenzi ngamunye kufanele ukubhalisa NIS. Lokhu - imali kanye mortgage uhlelo. Minyaka yonke, bangakunaki wezempi izofakwa ethile imali, okuyinto wonke umuntu okufanayo. Ngo-2015, isibonelo, sasifana nokuthi ruble 245.880. / Year. Ngemva kweminyaka emithathu iqhaza ohlelweni empi engase umbiko uma ufisa ukuthola isitifiketi, okuyinto uyoyinika ilungelo uthole okubhekiswe ngemali yokwakha ebhange. On onjani ingcebo - kunqunywa kamuva.

Ukulandela lempi iya ebhange mortgage, ubambisene NIS uvula i-akhawunti lapho, futhi okuyinto ethatha yonke imali zanqwabelana. Yayikhokha mortgage zokukhokha kuqala. Lokhu kulandelwa inkathi yesiphelo sesimiso kwesivumelwano sesikweletu. Okuhle kunakho konke ukuthi - mortgage okhokhela FGKU "Rosvoenipoteka" kusukela isabelomali sikahulumeni. Futhi lemali ukuthi kwenziwa njalo ngenyanga, ilingana 1/12 ingxenye imali isitoreji NIS. Nokho, kukhona caveat - ngesikhathi buyiselo imalimboleko wezempi kufanele libe ubuningi iminyaka engu-45.

mortgage Isihloko libonakala lilula. Kodwa eqinisweni, iqukethe eziningi umehluko wemisindo nemiqondo yamagama ebalulekile. Into esemqoka - kungcono mortgage imigomo (eMoscow nakwamanye amadolobha Russian). Futhi nakanjani kudingeka kucatshangelwe, uma ngempela banesidingo ukukhipha imali-mboleko. kumelwe Sizama ukwenza konke Waqhubeka imigomo ukuzenza athandeke.