Izinhlobo mortgage obolekisayo. Uhlelo mortgage obolekisayo

Mortgage isivele siqine ezimpilweni zethu, futhi akukho mfihlo. Imikhaya eminingi, ikakhulukazi abasebasha, aye ayisebenzisa kaningi le sevisi, okuyinto ikuvumela ukuba ukuthenga ingcebo ngesikhathi ngaphansi kwezimo ezimvunayo. Inzuzo enkulu mortgage wukuthi izindleko ifulethi ngokuhlanganyela ne isithakazelo isikweletu uwuZiqu zeminyaka 15-20, okuvumela ukuba wenze isamba okungabizi nyangazonke.

Namuhla e-Russia ikhombisa izinhlobo ezahlukene mortgage abolekise, okuyinto zingafani izimo zabo. Okokuqala okudingeka siyicabangele welithi "mortgage": kusho ukuthini futhi lapho kwafika leli zwi kithi?

Kuyini a mortgage?

Leli gama itholakala ngokuba sibuyele emuva BC VI leminyaka. e. Ngalesi sikhathi e Greece i hypotheca umqondo, okusho isibopho sezomthetho okweletayo ukuze ayemkweleta elihlobene ne ngabanikazi bomhlaba. Ngo umthetho wamaRoma, a mortgage kuyinto yisibambiso ingcebo.

Ezweni lethu elithi bavela okokuqala ngasekupheleni XIX leminyaka futhi lathathwa Europe. Mortgage ngesikhathi ngenkani kwezinto kwakufana igama elithi "mortgage". Ezikhathini zaseSoviet, umthetho phezu mortgage abolekise wayengekho, njengoba singekho isidingo.

Ngo-1998, uMongameli we-Russian Federation sasayinwa wangena force yonke eMthethweni? "Ngo-Mortgage", okuyinto esokuqala eklanyelwe Zilawula we izibambiso. Okwamanje, igama elithi "mortgage" kusho isivumelwano impahla izibambiso.

Izinto nezikhonzi mortgage

Njengoba sekushiwo, mortgage abolekise kusho ukuthi othengiwe uzobe eyisibambiso ngesikhathi sokukhokha imali esinqunywe ngokuvumelana. Mortgage - inkontileka lapho amaqembu kukhona into futhi isihloko ubudlelwane zomthetho. Ngezansi izinto okungenzeka mortgage abolekise:

• zokuhlala, izindlu kanye namakamelo yangasese;
• ezweni akusiyona eyakho isimo futhi asisebenzi kamasipala, kanye ephakeme ukwedlula ubuncane endaweni evumelekile;
• emagalaji, Cottages nezinye izakhiwo kanye nezakhiwo zenzelwe ukusetshenziswa umthengi;
• amabhizinisi, ezisetshenziswa kwezamabhizinisi;
• imikhumbi yasolwandle.

Indima ebalulekile ukuthola abatshelekayo udlala yomuntu obolekisayo. Lokhu kungaba yasebhange noma nezinye inhlangano esemthethweni, okuyinto kuyogcina izitatimende enkokhelweni loan. Mortgage uwukuboleka abantu Kwenziwa kuphela ngemva kokwenza inkokhelo yokuqala.

Ngaphezu isihloko esivumelwaneni abakweletwayo babekwazi ukwenza kanye zimali othenga izibambiso ukuthi ziphephile ukubolekisa ku mortgage.

kudivayisi mortgage obolekisayo

Ukuze ukuqaliswa mortgage loan ukukhululwa izibambiso eziqondene ngokuthi izibambiso. Yamadivayisi yalezi izibambiso yibhange inikeza izimali ezidingekile Ukukhishwa mortgage loans. Lokhu kungolunye uhlobo enokwethenjelwa kakhulu kwamatayitela, okuletha amaphesenti okuqinile. Leli phephandaba uphawula ukuthi impahla eseduze, elibhekisela kuwo.

Mortgage abolekise eRussia ngokubaluleka kuthandwa, nabantu ubani onesibindi thatha lesi sinyathelo, kufanele wazi ngokucacile ukuthi isistimu mortgage. Leli phephandaba eseduze kufanele ibe incwadi yesimemezelo isigqebhezana, okuyinto zibonisa inani kanye nosuku lokukhokhela isitolimende of mortgage isithakazelo. Abantu ababeka avail nemalimboleko lolu hlobo, pay lokuqala isithakazelo bese uthishanhloko.

Iqiniso lokuthi mortgage sithathwa eside, kusiza kakhulu inkokhelo yemali ebolekwayo. Nokho, uma izikweletu ku loan ikhokhelwa ngokugcwele, impahla uzoya ubunikazi yibhanga ngeemali zokuthenga izindlu. Ngakho okwamanje inqubo mortgage abolekise ukusebenza.

usizo esimweni

Kusukela 2009 izenzo Uhlelo isimo mortgage sibhekiswe kubantu abangenayo ithuba ngcono ukuthi bahlezi kanjani ngokuqondene abahola ezincane. Nokho, kuphela ngo-2015, lolu hlelo kwaduma. ruble Mayelana bhiliyoni 250 ziye abelwe ngcono izimo zokuphila zezakhamizi.

mortgage yesibonelelo sikahulumeni abolekise liqukethe yokuthi ukukhokhwa engxenyeni ethile izikweletu state incurs. Nokho, ukuze futhi bazishaye isifuba ngokuthi isimiso esinjalo akulula, njengoba akuzona zonke amabhange uyavumelana imigomo enjalo. Wasebenzise kahle amathuba ezingxoxo uhlelo ezinjalo kungenzeka kuphela amabhange elikhulu ezweni.

Ingqikithi state kwinkontileka phakathi kwebhange isimo. Bank kwehlisa inzalo yayo ingamaphesenti kuya ku-11%, kungakhathaliseki ukuthi kwakunjani ekuqaleni. Umehluko phakathi kwesilinganiso kokuqala nokokugcina (11%) okhokhela isimo. Ukuze abe ilungu lolu hlelo, akusho ukuthi ubheke isigaba social sabantu. Noma ubani angakwazi futhi bazishaye isifuba ngokuthi izimo ezinjalo.

Izinhlobo mortgage loans

Okwamanje, ngenxa yokuthi inani ukubolekisa enjalo ikhula, kunezindlela eziningi ezahlukene izinhlobo abatshelekayo. Ikakhulukazi wahlanganyela elikhiphe ayeyiboleke ngamabhange, umgomo oyinhloko okuyinto ukuze enze inzuzo.

Zonke izinhlobo zingafani ngokoMthetho abolekise, izimfanelo irisidi yabo. Okwamanje, i-mortgage loans ukuba abantu zingahlukaniswa zibe izingxenye ezimbili:

• yokufuna eyinhloko ingcebo market;
• ukuthenga kule yesibili ingcebo market.

Izinhlobonhlobo zezinto eziphilayo kanye izinhlobo abatshelekayo kuzoxoxwa ngezansi.

Le ndlu ungaphakathi loan entsha ikhaya

Lolu hlobo iyathandwa ikakhulukazi okwamanje. Nokho, naphezu kwakho konke ubuhle nobumbi (efulethini entsha, akekho akazange aphile isikhathi eside kuze kube manje), futhi kukhona eziningi ezingezinhle. Isikhathi esining impela kukhona isimo lapho le ndlu isesimweni esibi ukuze iqashwe ngesikhathi noma isikhathi eside ngeke ibhaliswe isimo umzimba ethile.

Libuye omunye main nemibi izakhiwo sandisiwe ukubhalisa impahla. Ngaphezu kwalokho, kunzima ngempela ukuthola loan ukuthenga izakhiwo ezintsha, njengoba akuzona zonke amabhange bekwi. Nokho, uma ibhange ithole isicelo, esimweni ngasinye kubhekwa ngokwehlukile. Baningi izici ezithonya isinqumo sokugcina, phakathi kwabo, wokuqonda ngubani umqambi, zimali, iziphi umlamulajuqu endlini nokunye. D. Apartments izakhiwo ezintsha angathengwa sasivumela ephansi, futhi kukho okuhle ezimweni ezinjalo iba mortgage. umndeni Young ekukhetheni indawo cishe njalo ithanda ikhaya elisha.

Aphathimenti phezu yesibili ingcebo market

Izici mortgage abolekise zilwane zihlanganisa imvume kuqhathaniswa ngokushesha futhi kalula isihlobo sokulungiselela. Kule ndaba kufanele ziphathwe amabhange eziningana, ngisho uma kwenzeka ukwehluleka. Ngempela, isizathu ukuthi kungani kwehluleka kwenzeka kwelinye ibhange kwenye ngeke ngokwanele obuphelele.

Njengoba sekushiwo, ukubolekwa imali enjalo kulula ukuthola kuka e ukwakha isakhiwo esisha, ikakhulukazi ngenxa yokuthi ukuthi kunesizathu kancane zokwenqaba. Phakathi kwabo:

• umdayisi ukwenze yokuguqulwa efulethini futhi ungazange ubhalise ngaleli qiniso;
• nokuhlanzeka zomthetho yendlu, mhlawumbe omunye umuntu ophilayo kukhona nomuntu indaba okungekuhle.

zinhlobo Social abatshelekayo

Lolu hlobo lwe-mortgage loan senzelwe izigaba emphakathini labo ababencishwe amathuba ngaphambilini sabantu, kanye ohlwini lokulinda, abangekho ukwazi ukuthenga impahla ezimweni ezivamile. Zimbili izinhlobo mortgage nomphakathi:

• yakhelwe ohlwini lokulinda lapho inkokhelo yokuqala inikezwe idolobha ngesimo izibonelelo;
• kokunikezwa isikweletu ngentengo izindleko zokwakha; Ngemva kwezinyanga eziyisithupha obolekwa imali ungakwazi ukukhokhela izikweletu ngaphandle isithakazelo.

Esikhathini esizayo, kungenzeka ukuthenga ingcebo ku zezenhlalakahle okuvela konjiniyela ngokwabo ngamanani emakethe. Kodwa ohlwini lokulinda uzokwazi ukusizakala ukukhokha uxhaso iqashwe. Uma uqhubeka ume emgqeni, aba maningi inani uxhaso. Futhi, ohlwini lokulinda Ungathenga impahla, elakhiwa hhayi kuphela edolobheni.

Buka mortgage imikhaya abasha

Inkinga yokufuna impahla ngomyeni entsha sibi kakhulu. Amabhange ungafuni engozini, futhi isithakazelo impela high, njengoba ikusasa nezifundiswa abasha akuqinisekile. Nokho, muva nje, ezinye amabhange bayahamba ukuhlangabezana abasha futhi udale izinhlelo ezintsha.

Empeleni, lolu hlobo lohlelo mortgage abolekise okuhloswe ngazo ukunciphisa ukukhokhelwa phansi, futhi esiphezulu loan term Ukukhishwa. Uma omunye abashadayo akudingeki iminyaka engu-30, futhi umndeni ingane, umnikelo kokuqala kungase azisizi 10%. Uma ochwepheshe abasebasha kakade wahlela umsebenzi othembisayo, inkokhelo yokuqala kuba ngokuphelele 5%, kanye mortgage ikhishwa iminyaka 25-30.

Yiqiniso, ezimweni yesimanje, omunye ongakhetha enengqondo kunazo ekhaya kuthenga a mortgage. umndeni Young ngifuna izindlela ezahlukene ukuze zithuthukise izimo ngesikweletu. Inkinga eyinhloko ukufakazela sina ebhange. Uma lokhu kufinyelelwa, ibhange angeke sehluleke.

Uhlelo "Isakhiwo Ndawonye"

Izinhlobo mortgage abolekise kakhulu nhlobonhlobo, futhi ngayinye kuwo izinhlelo ezithile. Ingqikithi yalo "Isakhiwo Ndawonye" kuyinto isitolimende eside, okuyinto bavuzwa ngezithukuthuku sabantu.

Umsebenzi yomuntu, ubani uya ukuthenga izindlu, - ukusindisa eduze 40-50% emalini, futhi lonke co-op unezela. Uma uthenge impahla, kuba impahla kulowo muntu, kodwa isicelo sakhe sebheyili. Ingxenye eyanikeza wokubambisana, okumele ikhokhwe for lungene iminyaka engu-20. Khona-ke lien kuyinto ekhishiwe, futhi umuntu eba umnikazi agcwele.

I "Military Mortgage"

Zonke izinhlelo mortgage okuhloswe ngazo ukuthuthukisa imigomo loan, futhi lokhu iyathinteka. Lolu hlelo accumulative yokunikeza izindlu servicemen.

Izici mortgage abolekise yaloluhlelo ukuthi ezempi, okuyinto kuphetha inkontileka lokuqala, inelungelo uhlobo oluthile ezibanjwayo. Ngezinye izindleko yonyaka isilinganiso isosha uthola ruble ecishe ibe yizinkulungwane 250. Le mali angakwazi ukusizakala kokuphela kwenkontileka ubudala futhi ngemvume entsha. Inani esiye zanqwabelana eminyakeni eminingana, kuza njengokubonakaliswa inkokhelo yokuqala.

Ingxenye esele loan zikhokhwa nguhulumeni, lapho amasosha iwukuba inkontileka ezempi. Ngokushesha nje lapho eyeka ukuba isosha, uhulumeni iyeke ukukhokha, futhi ingxenye esele yemali ebolekwayo kumele zikhokhelwe ngokwakho.

Le phrojekthi "Ezezindlu okungabizi futhi Ukhululekile - izakhamuzi Russian"

Inhloso yale phrojekthi ukwandisa ukutholakala abatshelekayo izakhamuzi Russian. Wonke umuntu uyazi ukuthi abantu abaningi, cishe amathuba kuphela ukuthenga izindlu kuyinto mortgage. imindeni Young nabo bayajabula. Ivamise senqabe udayise loan.

Abahlanganyeli iphrojekthi nale akunankinga. Ngaphezu kwalokho, nokuncipha iphesenti mortgage. Le phrojekthi yasungulwa ngaphakathi kohlaka uhlobo social mortgage obolekisayo. umehluko Its main kusukela ibhizinisi - ekhethekile (okukhethekile) per imitha square. Ngaphansi kohlaka yasebhange mortgage yezenhlalakahle evuma ukuthathelwa umshuwalense umboleki futhi indawo yokuhlala kakhulu, kanye nokugcina ngesilinganiso esithile kuze kube sekupheleni loan.

Ukuthuthukiswa mortgage abolekise sibonga kungenzeka izinhlobo ezifana nezinhlelo okuhloswe ukuze zithuthukise izimo zokuphila imikhaya abasha kanye labantu emphakathini sengozini.

Emihle nemibi mortgage

Izinhlobo mortgage loans, kungakhathaliseki nomunye babe elithola abo kanye nebubi. Lokhu kuyiqiniso hhayi kuphela mayelana mortgage, kodwa futhi maqondana nanoma iyiphi imali ebolekiswayo. Ngakho, izinzuzo:

• I-inani elikhulu labantu mortgage Ithuba kuphela ukuthenga izindlu zabo;
• mortgage ikhishwa isikhathi eside, nabantu zithole ithuba ukukhokha imali encane;
• Ungakwazi ubhalise efulethini wezihlobo zawo, kanye bazilungisele umshini ukunambitheka yakho, ngokuvamile, ukunikeza imali yokuhlala yaso.

I yokuntula yilezi:

• ngokusemthethweni efulethini, athathwe out mortgage, ibhange kungokwalabo, futhi umuntu angayizwa ungalithengisi noma banikele;
• ngesikhathi umuntu loan okhokhela izindleko 2 noma 3 lezi zokuhlala, ngoba elithi likhulu kakhulu;
• Uma umuntu eyeka ukuba akhokhe, ibhange ithatha efulethini futhi zithengiswa nokukhokhela izindleko zabo, lemali esele izobuyiselwa imali.

Abantu abaningi esikhathini esithile noma enye yezimpilo zabo ezibuza ngalokho ukuthi uthatha indawo ngesikweletu. Mortgage abolekise eRussia has nemiphumela ethile engathandeki eziningi, kodwa namanje emhlabeni namuhla ingenye amathuba ambalwa ukuthenga siqu isikhala lawo lokuphumula. Into esemqoka - umsebenzi ozinzile azosiza ukuthola trust ibhange, kanye ukuze kuthuthukiswe izimo imalimboleko. muva Isimo kudala eziningi izinhlelo zenzelwe lula izinkokhelo futhi ukusiza abantu ukuthenga umuzi.