Kanjani ukuthola loan ngaphansi inhlokodolobha womama

Abelwe imali kahulumeni e inani ruble ecishe ibe yizinkulungwane 307 for ukuzalwa kwengane yesibili okuhloswe ngayo ukwenza ngcono inkinga yokuntuleka kwezindlu.

Kubandakanya:

- ukwakhiwa (ukuthenga) we yokuhlala;

- ukukhokhwa kwemali, ukubuyiswa kwemali ezikweletini emalini ebolekwe ngesikweletu noma aboleke imali yokwakha noma ukuthenga izindlu ekhona;

- nokukhokhwa share iqhaza ukwakhiwa;

- inkokhelo ukuze kwakhiwe izindlu zokuhlala ngabanye;

- ekukhokheni izimali ngokubamba iqhaza kwezezindlu ama cooperatives;

- ukubuyiswa kwemali noma nokukhokhwa inkokhelo yokuqala for mortgage abolekise;

- ukukhokha inzalo kwi-mortgage loans.

Loan ngaphansi dolobha womama ukuze uthole ezimbalwa kuphela amabhange, "Ibhange lase-Moscow", "UniCredit", "Sberbank eRussia", "Delta Credit", "evulekile" futhi "VTB 24". Kulezi izinhlangano, ochwepheshe abaqeqeshwe, owayeyisazi bonke butholakala enqubweni eyinkimbinkimbi yokuthela esikweletu ziye ukusebenza namaklayenti ezingeni eliphezulu kakhulu.

Sberbank eRussia isebenza kuzo zonke izindawo uboleka ngaphansi inhlokodolobha womama. Kuncike isimo esihle zenzalo, iqhaza bale isakhiwo esisha. IBhange uqhuba futhi yengamele ukuqaliswa izibopho phezu ingxenye umboleki kanye yomuntu obolekisayo.

Bank "VTB 24" linikeza ebolekiswe ku-dolobha womama kuphela uma izitifiketi imali kanye nesitifiketi lokunikezelwa womama dolobha. Uma isitifiketi itholiwe futhi isici yonke imininingwane ebalulekile, ukuthi bangakwazi ukukhokha imali izikweletu mortgage kancane.

legatsha Ngamunye ebhange zidinga imibhalo ethile ngaphambi kokuba ukuthathele credit kwabakhulelwe dolobha :

1) Ukuze abahlanganyeli mortgage abolekise: ikhophi esivumelwaneni sokubolekwa kwemali noma inkontileka mortgage.

2) Ukuze angabuyisela izikweletu: ikhophi nesivumelwano sokubolekwa, isitatimende umbolekisi mayelana nenani ibhalansi yesikweletu kanye isithakazelo lokukhokha, ikhophi yesivumelwano ku mortgage noma loan sivumelwano, isitifiketi sokubhalisa isimo amalungelo ubunikazi yendlu.

Inani lemali sidluliselwe ifomu non-cash kumadokhumenti ebalulwe akhawunti komuntu, izinhlangano abambisana, ayezosebenza njengabaqondisi kummeleli umboleki. Yonke isizumbulu semali noma ingxenye yomkhaya yenhloko-dolobha akumele kweqe oluvelele ibhalansi uthishanhloko noma izikweletu inzalo loan adingekayo ukuthengwa abantu ilungelo lokuthola izindlu.

Be lungaphansi dolobha umndeni kufanele kube kuphela ngaphakathi Russian Federation. Loan ngaphansi inhlokodolobha womama esikhishwe ngesikhathi evumayo zenzalo kusuka 8.8% kuya 11,05% Apr iminyaka amathathu. Imibandela zincike ebhange isikhathi loan, ukutholakala umshwalense kwezindlu, lemali yokukhokha phansi.

I naleyo ebolekisayo ibalwa ngaphansi abasebenzi yasebhange umzali ngesisekelo imibhalo okufakiwe. Ingxenye encane amafa ekhona ngaleso sikhathi amakhasimende kanye udumo kakhulu, izinga kuyoba ephakeme. Kuphela kuze kube yi sengezwe inani isitifiketi. Musa akhokhe izinkinga credit izimbiza amancane, ungaqalisa enkingeni, okwenza out ukubolekisa kuvikelwe inhlokodolobha umzali. Kungcono ukukhetha okuthembekile sesikweletu.