Ingabe umshwalense mortgage iyadingeka (Savings Bank)?

Abantu abaningi ezweni lakithi efuna ukuyibuyisa ngokuyithenga futhi indlu ngosizo sokubolekwayo. Ngokwemvelo, izithakazelo zabo, kungakhathaliseki ne umshwalense mortgage ku Savings Bank iyadingeka? Ukuze uthole ukwaziswa okwengeziwe ngale sevisi, kuzoxoxwa ngakho esihlokweni.

izinhlobo umshwalense

umshwalense mortgage Sberbank kuyinto 2 izinhlobo:

• impilo yabo;
• impahla.

Uhlobo lokuqala inkonzo akubhekwa saziso, kodwa ukwenqaba izinga loan iyakhula. Umshwalense mortgage Sberbank Kuphoqelekile. Ukuthenga impahla, iklayenti sa it njengoba eseduze ngokokuqala ukuthi inkontileka isebenza. Ngakho-ke, ukulahla umshwalense ku bengatshelekwa ku Savings Bank ngeke zisebenze. Umshwalense ukhishelwe into uthenge.

ukubhalisa

Umshwalense ekhishwe ekuphetheni isivumelwano sesikweletu. Uma udinga ukuvuselela inqubomgomo, ungenza kanjalo ku-website ye-Savings Bank. Kukhona imikhiqizo ezimbili kungenziwa amaklayenti esetshenziswa:

1. "Umboleki Okuvikelwe Online".
2. "Umshwalense Mortgage umugqa."

Inqubomgomo yokuqala lokuvikeleka kwezifiso ezisemqoka ezingumphumela izingozi zempilo yokulahlekelwa noma okwesula ukuphila. Owesibili yakhelwe ukuvikela ekuvimbeleni ukulahlekelwa ukwaziswa, ukulimala kwempahla, lokuyintfo lesemcoka.

I "umboleki Okuvikelwe Online"

Ukuze oda le sevisi:

1. Vakashela isayithi ye Savings Bank;
2. Vakashela "ukuthathelwa umshuwalense ngokwabo futhi isakhiwo" esigabeni;
3. Udinga ukuthola inkonzo bese uxhuma.

Ngaphansi kwalolu hlelo, embozwe izingozi amaqembu ukukhubazeka 1 no-2, kanye nokufa. Inani imbuyiselo ilingana isamba semalimboleko, okumele ikhokhwe. isinyathelo nqubomgomo 1 unyaka.

I "Mortgage Insurance Online"

Inqubomgomo kulolu hlelo enwetshiwe kusayithi. Ukuze wenze lokhu, thola esigabeni ezifanele futhi kusebenze isevisi. Njengoba ihlanganisa ingozi eseduze into:

• ezindongeni;
• ngodonga;
• amafasitela;
• umnyango;
• ophahleni.

Umshwalense reimburses inkokhelo ku:

• umlilo;
• igesi ukuqhuma;
• isimangalo se-umbani;
• izinhlekelele zemvelo;
• izenzo ezingekho emthethweni besithathu.

Igama elithi inqubomgomo isebenza unyaka ongu-1.

izinkampani zomshuwalense

Uma abatshelekayo umshwalense Sberbank, kuqinisekisiwe isinxephezelo okugcwele umcimbi insured. Izinkampani zemishuwalense ekusebenziseni ibhizinisi "Savings Umshwalense."

Amakhasimende angakhetha omunye izinkampani 17:

1. "VTB Insurance";
2. "Ingosstrakh";
3. "RESO-Isiqinisekiso";
4. "Ingabe Ohulumeni Banalo Lonke Insurance";
5. "Rosgosstrakh".

Uhlelo ngamunye unikeza imigomo yayo, kufuna ukuba amakhasimende. Isivumelwano senziwa Savings Bank, ngemva kwalokho isevisi iqala ukusebenza. Endabeni umshwalense, inkampani ngayinye iqinisekisa wokubhadela umonakalo.

ezimali ingozi

Okwemicimbi kwesamba zihlanganisa:

• kungalimaza ukuba isikhungo;
• ukweba;
• umlilo, kukazamcolo;
• igesi ukuqhuma;
• inhlekelele yemvelo.

Uma kucekelwa phansi izakhiwo ngokuphelele, kukhona inkokhelo egcwele loan. Offset futhi umonakalo ngokwengxenye. Inani Ukusabalala isethwe ngamunye.

izimo

Imigomo umshwalense incike inkampani. Akuwona wonke amabhange kukhona izinqubomgomo esamukelekile. Kubalulekile ukuthi kufanelana konke nezidingo yomuntu obolekisayo. Savings Bank isebenza nezinkampani ezimboze izingozi ezivamile. Lokhu kukuvumela ukuba qiniseka ukubuyela izimali.

Sberbank kusayithi ungathola uhlu izinkampani zazo ngokwenza umshwalense. Kulokhu, umuntu ayemkweleta akufanele sigcizelele ku izinkampani zomshuwalense, nabo inkontileka. Iklayenti ungakhetha inkampani.

Imininingwane yenqubomgomo

Ngaphambi umshwalense mortgage zizokhishwa ku Savings Bank, kubalulekile ukuba banake izici ezibalulekile:

• inani Ukusabalala - kwi inkontileka eyejwayelekile kulindeleke equivalent lemali kuya ngokweqile loan;
• usayizi inkampani premium - the ababoleka we Savings Bank ezihlongozwayo ngesilinganiso eyodwa - 0.15% emalini impahla;
• isikhathi Inqubomgomo isenzo - ngokuvamile ilingane eside yesivumelwano;
• izimo prolongation - abanye amafemu ukwandisa izinga nesithakazelo nosuku 1;
• buyiselo zakuqala - ngokuvamile amaphrimiyamu babuya ngo ukukhokhelwa kwanoma loan. Uma lolu lwazi hhayi inkontileka ke lokuthola imali kungase kuphakame eyinkimbinkimbi.

Dweba up umshwalense kufanele kube kuphela uma bonke nemibandela isudi yakhe. Kungcono ukuba uzijwayeze imithetho amafemu eziningana ukukhetha okulungile.

Yini edingekayo?

Yini edingekayo, liye ikhishelwe efulethini umshwalense ukuze Savings Bank? Nokuthathelwa ngale sevisi senziwa ndawonye. Ukuze uthole inqubomgomo, udinga ipasipoti isivumelwano sesikolodo, ireferensi ukubaluleka nokuhlolwa kwempahla. 2 amadokhumenti amuva ukusetha intengo kwenqubomgomo. Usayizi premium umshwalense kuthintwa:

• isimo komhiaba;
• isikhathi yesivumelwano umshwalense;
• inani izingozi.

izindleko

Yeka ukuthi kuyinto umshwalense bengatshelekwa ku Savings Bank? Inani kunqunywa isimo impahla kanye izindleko efulethini. Phakathi izibalo Specific enzelwa wonke amakhasimende.

Kukhona lokuzikhethela of 2 ongakhetha:

• inqubomgomo wathenga ngentengo egcwele efulethini;
• nqubomgomo wathenga lemali ofuna ukukhokha ebhange.

Izinga isilinganiso 0,225% semali-mboleko. Ngokwesibonelo, impahla engabiza ruble ayizigidi ezingu 3, inkokhelo yokuqala ruble 1 million inqubomgomo uthengelwe isikweleti ke in ruble 4500 izobiza umshwalense nge mortgage ku Savings Bank. Lokho okwakudingeka ukuze kukhokhwe dokhumenti imayelana kuyafana futhi kwezinye izikhungo.

Polis has a ubuqiniso unyaka 1. Lapho iphela, kungenzeka ukusebenzisa isandiso noma ukwenza idokhumenti entsha e enye inkampani. Azithenge ngosizo wenza umnikelo yonyaka. Ngokuphazima Imihlomulo yomshuwalense.

ukubuya

Obolekayo unelungelo kuze kubuye izinkokhelo ezenziwa ngokuhamba kwesikhathi, idlule isikhathi mortgage. Kule ndaba, kukhona ezinye ubuqili:

• uma inqubomgomo isebenza izinyanga ezingu-11 noma ngaphezulu, wonke nani lizobuyiselwa;
• uma isikweletu ukusikhokha, futhi inqubomgomo isebenza ngisho nengxenye isikhathi, iklayenti uthola ingxenye ye-premium umshwalense;
• uma ingxenye enkulu igama elithi inqubomgomo lidlule, bese ubuyela imali akwenzi mqondo.

Indlela ukubuyisela yomshuwalense mortgage Sberbank? Kuyadingeka ukusebenzisa, befaka isitatimende sasebhange mayelana ukungabi khona izikweletu. Ukubuyiselwa imali ingakhishwa kanye umshuwalense wokuphila, ezempilo.

Umshuwalense wokuphila kanye nezempilo

yomshwalense nge-mortgage Sberbank akuyona imfuneko. Kodwa ngokuvamile abasebenzi bagcizelele kumasevisi design ukunciphisa ingozi yokungakhokhi ezikweletini. Uma umshwalense akusho akhiphe, izinga liyaphuma 1%.

yomshwalense nge-mortgage Sberbank kuhilela ukwakha umthwalo owengeziwe wezimali, njengoba kungabantu abangaphezulu kuka ayimpoqo umshwalense impahla. Kodwa ngenxa zako isevisi ubhekwa izothandwa.

Lisho ukuthini yomshwalense kanye nezempilo?

Inqubomgomo uqinisekisa nokubuyiselwa izimali ebhange nokulahlekelwa impilo nokunakekela impilo. Ngenxa mortgage ikhishwa isikhathi eside, Savings Bank ivikela uqobo ngokumelene ezingozini ezinjalo. Ukuze iklayenti, inqubomgomo ubhekwa sokuthi uma izingozi wesikweletu yayo izibopho ngeke kudlule guarantors nezihlobo, njengoba isikweletu kwabasiza by inkampani yomshuwalense.

Uma lo muntu obolekayo kuyinto asikwazi ukusebenza, credit yakhe nakho esakhokhwa inkampani. Lapho Ukwesulwa kokubhalisa yaleyo nkonzo izinga iyakhula. Uhlu izingozi kungafaka:

• ukufa;
• nokukhubazeka;
• nokulahlekelwa umsebenzi.

"Ukulondolozwa Insurance" siphela zinhlelo ezilandelayo:

• Uhlelo ejwayelekile - 1.99%;
• ezempilo ukulahlekelwa umsebenzi - 2.9%;
• Ukukhetha esizimele nemingcele - 2.5%.

umshwalense isihloko

Sberbank ahlinzekwa isihloko umshwalense, okubandakanya umshwalense amalungelo impahla. Uma iklayenti ukukhokha mortgage nezezindlu, zibancishe amalungelo wayo, khona-ke zonke izibopho impahla ngaphansi yokukhokha izikweletu uthatha umshwalense.

Obolekayo, abathenge ifulethi ku mortgage, bancishwa amalungelo impahla ezimweni eziningana:

• kukhona amaphutha imibhalo, ngenxa lokho dili ochithiwe;
• wathola abanikazi amalungelo entsha, ogama izithakazelo kungukuthi kunakwe ekuklanyweni inkontileka;
• umuntu owenzelwa kokwenziwe semthethweni, waqaphela njengoba engakwazi;
• imisebenzi esetshenziswa zokukhwabanisa.

Ukubhaliswa umshwalense isihloko kuyinto ekahle izindlu yesibili, ngoba zakhiwo abanikazi lokuqala ababoleka. Izinga le-sevisi 0.3-0.5%.

amadokhumenti

Umshwalense mortgage Sberbank eMoscow imuphi omunye umuzi senziwa ukuhlinzekwa ohlwini olulandelayo kwemibhalo:

• isicelo;
• iphasiphothi;
• kwesivumelwano sesikweletu.

Ngezinye izikhathi kuyadingeka ukuthi unikezele ngenkontileka yokudayisa.

Izinzuzo nezingozi nebubi

Umshwalense has izinzuzo ezilandelayo:

• isandiso enqamula indawo;
• Awudingi ukuvakashela yasebhange futhi inkampani yomshuwalense, njengoba yonke imisebenzi eyenziwa ngokuzimela umshwalense;
• inqubomgomo ikhishwa ku-elekthronikhi;
• intengo inqubomgomo incike inani izikweletu;
• amazinga yokuncintisana;
• ukudluliswa othembekile;
• ikhono ubuyisele premium umshwalense.

Letincenye ezilandelayo behlukene minuses:

• lapho ukukhipha inkonzo mortgage kubalulekile;
• Nokho yomshuwalense wokuphila kanye nezempilo akubhekwa saziso, izinga ku loan uma kwenzeka ukwehluleka kwayo luyanda 1%;
• inqubomgomo 1 unyaka, ngemva kwalokho-ke idinga isandiso;
• ukwelulwa dokhumenti inani isinxephezelo ruble ayizigidi ezingu-1,5 ngeke enze inthanethi;
• izindleko ezengeziwe.

Credit Cards Wiki

umshwalense Mortgage ihlanganisa zonke izinhlelo ezihlinzekwa Savings Bank:

1. Mortgage nokusekela umbuso. Ukudlulisa sokuqala okungenani u-20%. Igama elithi esiphezulu uneminyaka engu-30. I ngokweqile esiyakuqokwa ngamunye, kodwa ngo-11.4%. IKhomishana nge Ukukhishwa loan ingathathwa, kodwa kukhona ingcebo asihlole izindleko.
2. Ukuthengwa efulethini esiphelele. loan okunjalo ikhishwa nge ukuthengwa ingcebo yesibili emakethe. Inani ekhishwe ruble ayizigidi 300. Ngesilinganiso isithakazelo 12.5% kanye esiyiminyaka bengekho ngaphezu kwama-30. Usayizi lokukhokhela isitolimende sokuqala kunqunywa ezicini eziningana, kodwa hhayi ngaphansi kuka-15% yezindleko izindlu. Paid isitolimende sokuqala inhlokodolobha umzali.
3. Ukuthengwa kwezindlu kuyakhiwa. Imigomo loan ngaphansi kwalolu hlelo lufaka ukuhlinzekwa kwezimali ukuthengwa izindlu ezintsha. senani, kanye yokufuna isikhungo, ilingana ayizinkulungwane 300. ruble. Izinga obuncane elilingana 13%. Ikhishwe abatshelekayo iminyaka engu-30. Inkokhelo yokuqala kungase kwenziwe ngezithukuthuku inhlokodolobha umzali.
4. ukwakhiwa ngamunye yendlu. It ekhishwe boleko ruble ayizigidi 300. Ngu 13.5%. Inkokhelo yokuqala 30% yezindleko izindlu. It wakhipha imali ngaphandle kwenzalo ukuze engu-30.
5. Nokuthathelwa ukwakhiwa noma ukuthengwa indlu ezweni. Osukwini lokuqala eyaphuma ngalo ingu-30%, kanti isikhathi amakhredithi - iminyaka engu-30. Isamba - ruble ayizigidi 300 ..
6. Mortgage Military. Ikhishwe ngamasosha. Isamba akuyona ezingaphezu kuka-1 million 900 ayizinkulungwane. Ruble. Izinga kuyinto 12.5%.

Ngu izidingo zibandakanya ukubuya engu-21, futhi ngesikhathi ukubuya kufanele kube ubuningi engu-75. Udinga ukuthi ube nesipiliyoni umsebenzi izinyanga ezingu-6. Kuyadingeka ukuba umeme co-ababoleka - kuze kufinyelele 3 ngabanye.

Uma ubhalisa abatshelekayo badinga iphasipoti, ifomu lesicelo, ubunikazi, isitifiketi sokubhaliswa isihloko. Udinga umbono uchwepheshe phezu ukuhlolwa kanye ukubaluleka kwento, cadastre kanye nezitifiketi lobuchwepheshe. Kanye ukubhalisa yesivumelwano mortgage wenziwa umshwalense. Kodwa uma umshwalense impahla kuphoqelekile, ukuphila nempilo kuyakhethwa ngesicelo umboleki sika. impahla izindleko kwanda kulezi zinsiza. Ngakho-ke, kufanele acabangisise ukuthi amathuba zezimali ukukhokhela izinsiza ezinjalo.