Kanjani ukuze akhokhe isikweletu sendlu yakho ngokushesha? AmaSu, ongakhetha, izimo

Wonke umuntu abathenge indlu imali, uyazibuza kanjani ukuze asule ngokushesha mortgage? Phela, cishe wonke umuntu inkinga ngokwengqondo. Khumbula futhi wamukele ukuthi amashumi eminyaka, umboleki uzokhokha izikweletu, kunzima kakhulu.

izinkokhelo zanyanga zonke unyaka nonyaka, izinkokhelo on umshuwalense isandiso nezinye ukutshalwa kwezimali kwezezindlu edonsa ayesanda kuluthola isifiso ukukhokha izikweletu nokukhokhela indlu ngokushesha ngangokunokwenzeka.

Isikimu ka izinkokhelo zenyanga

Ingabe inzuzo kulabo noma ezinye izinhlelo mortgage, uzimisele kuphela ezinhle yonyaka lenzalo abolekise esilungele kwesikhathi, kodwa futhi choice of omunye izikimu ukukhokha imbuyiselo.

Annuity isikimu

It ikuvumela ukuba wenze izinkokhelo zenyanga imali alinganayo phakathi nayo yonke inkathi loan. Kodwa abakholelwa ukuthi inkokhelo yakhiwa i neengcezu alinganayo: uthishanhloko kanye nesithakazelo ukusetshenziswa kwaso.

Isibonelo, inkontileka mortgage kuyinto iminyaka 20-25, futhi owokuqala 13-15 iminyaka, bacishe bayifunda yonke inkokhelo yanyanga zonke sizofaka inzalo enqwabelene, kodwa kakhulu emzimbeni imalimboleko kuzoshintsha kancane. Indlela ngokushesha akhokhe sonke isikweletu sendlu phezu isikimu annuity? Lutho. Bank ngisho noma ekuqaleni kuka-mortgage okukhokha umboleki sifuna ngayo isithakazelo sabo. ukuvikela Ngakho yamelana ukulahlekelwa nokuqinisekisa ngenzuzo esiphezulu.

uhlelo umahluko

izinkokhelo yenyanga okungajwayelekile. Izinkokhelo lokuqala inkulu ngokwanele, kodwa kancane kancane futhi ayisekho kangaka umthwalo umboleki. Futhi uma usuvele umklamo ibonisa umboleki ukukhokha uziqede mortgage ngokushesha, bese kuba lena kungcono ukusebenzisa.

inkokhelo umahluko inezingxenye alinganayo umzimba ezikweletini nasezinsizini inzalo enqwabelene. Futhi uma mortgage ikhokhelwa off ngaphambi kwesikhathi, kukhona ukwehliswa ezilinganiselwe e lemali.

Ukuze ukhokhele izinkokhelo ezinjalo ngenyanga cishe yonke ababoleka kuyinto umsebenzi onzima kangaka ukukhetha impesheni izinkokhelo. Phela, amabhange kakhulu ayinawo umboleki ilungelo lokukhetha, ngokuzenzakalela usebenzisa uhlelo annuity.

Lapho annuity isikimu sokukhokhwa kwesikweletu eminyakeni yokuqala 10-15 ngaphambi kwesikhathi ebesibekiwe, lemali oyinhloko akashintshi okuningi. Lapho uhlelo umahluko ungenza buyiselo zakuqala nganoma yisiphi isikhathi. Kumele ngokucophelela kubhekwa uhlelo ohlongozwayo mortgage ukubala zonke izingozi ngendlela esifike ngesikhathi. Ngempela, ushintsho lutho ungakwazi sicubungula inkokhelo yesikweletu.

Refinancing - indlela ngokushesha ukukhokhela sonke isikweletu sendlu

Sebenzisa izinhlelo Refinancing abakwazi kuphela uma akunakwenzeka esikhathini esizayo ukukhokha izikweletu. Le mali, ekhishwe kwenye yasebhange ukukhokhela sonke isikweletu sendlu zamanje, kungaba kakhulu ukunciphisa eside yokukhokha. Okuwukuphela kusimo enkulu refinancing kuyinto ukuvela namalungelo walesi izindlu njengoba impahla eseduze (Sec. 4 futhi Ch. 6 "Ngo-mortgage" umthetho).

Uma umboleki wathatha refinancing kuphela wokuqeda izindlu umthwalo, khona-ke akufanele akwenze. Ezezindlu kanye mortgages, kanye refinancing izosetshenziswa njengoba izibambiso. Ngokuvamile, umboleki, uma ibhalansi izikweletu zayo ku mortgage ingeqi ruble ayizigidi 700, kungcono ukwenza ukuthola umthengi credit, futhi ukuvala izikweletu ezisele.

Bank of izimo buyiselo zakuqala ka abatshelekayo

Ngaphambi kokwenza ukubuyiswa kwemali yokuqala yaleli mortgage, kubalulekile ukutadisha ingxenye lokhu nesivumelwano sokubolekwa, ukuze uqonde ukuthi kodwa kuyozuzisa. Umthetho "Ngo Ukuvikelwa Consumer Rights" kuyinto isihloko okuyinto kusobala ukuthi ibhange angeke ukhawule ngokugcwele umboleki kusukela ukubuyiswa kwemali yokuqala yaleli indlu, ngoba liyephula amalungelo abo njengezizalwane umthengi. Ngo Art. 810 we Code Civil uthi lo muntu obolekayo ukubuyisela leyo izikweletu ngaphambi kwesikhathi ebesibekiwe, kodwa ngenkululeko ayemkweleta. Lokhu kushiya ukuvula umbuzo wokuthi ibhange ilungelo lokukhokhisa lo muntu obolekayo izimali ezengeziwe ukuze ukubuyiswa kwemali ekuseni.

I oyisazi kulesi sihloko iqukethe izixazululo ukuthi siyozuza umboleki kanye yomuntu obolekisayo. Ezinye amabhange adinga ukuthi ababoleka inyanga engu-1 ngaphambi kosuku kulindeleke buyiselo egcwele mortgage ngokubhala ukuze umazise ngale.

Kungenzeka yini ukuba asule capital yakho mortgage komama?

Isinyathelo sokuqala sokukhokhwa ekuqaleni we mortgage ngosizo inhlokodolobha umzali siyothola izitatimende sempesheni evela kumnikazi isitifiketi. Luyakukhahlela kahle aqukethe yonke idatha somnikazi, kanye ukuchaza lokho ohlela ukuchitha imali. Isicelo kufanele unamathisele amadokhumenti, ehlanganisa:

• isitifiketi kwabakhulelwe dolobha;
• iphasiphothi umnikazi wesitifiketi;
• ikhophi yesivumelwano mortgage;
• Siza ebhange, okuyinto ubonise uthishanhloko kanye nesithakazelo imalimboleko;
• ikhophi yesitifiketi sokubhalisa isimo amalungelo ukuthenga ingcebo;
• isibopho kwasayinwa, lapho lo muntu obolekayo ubophekile ukwaba share uthenge izindlu izingane nesithandwa / w.

Uma mortgage ukhishelwe umlingani / gu umnikazi wesitifiketi, uzodinga ngaphezu kwalokho unikeze i-passport yakhe kanye isitifiketi somshado.

Lapho enza isinqumo mayelana omuhle Pension Fund ezinyangeni ezingu-2 kusukela ngosuku kulethwa imali isicelo uzobe adluliselwe ku-akhawunti kumthengisi. Le ndlela yenza kube lula besabela kahle umbuzo ukuthi ungakwazi ukukhokha off capital yakho mortgage kwabakhulelwe.

Imali ebanjwayo kwezintela kanye mortgages

Ngosizo sokubuyiselwa imali yentela kungaba futhi kancane noma ngokugcwele angabuyisela mortgage. Ngamunye the izakhamuzi zaseRussia Unelungelo yokufuna ingcebo ukuze bakwazi kancane alulame kwentela ekhokhwa ngaphambili. Lena imali ebanjwayo impahla. Of inani mortgage izikweletu Kulinganiselwa 13%. Umboleki uzakuba nelungelo sokubuyiselwa imali yentela, okuyinto ingeqi 2 million. Ruble.

Hlela, silahle & Gcina

Uma lo muntu obolekayo uye wasebenzisa izindlela ngenhla, kodwa uyaqhubeka ukuhlupha umbuzo kanjani ukuze akhokhe isikweletu sendlu yakho ngokushesha, ungakwazi iphendukele ngala macebiso alandelayo.

Kuyadingeka ukuba ahlaziye ngokucophelela imali okuholela kanye nezindleko. Ngemva kokubukeza izindleko zakho, kudingeka unqume ukuthi lapho ungaphuma ukuthumela imali ukulondolozwa inyanga ngayinye ukukhokhela sonke isikweletu sendlu. Ngokwesibonelo, ukuyeka ukuphuza ikhofi kusuka emshinini futhi udle ukudla. Futhi musa ukuthenga izinto ezihlukahlukene ezingadingekile.

Nokho ngangokunokwenzeka ukukhokhela sonke isikweletu sendlu ekuqaleni?

Enye yezindlela ukuze akhokhe isikweletu sendlu yakho ngokushesha ukuthatha umsebenzi owengeziwe. Ungenza lokufundiswa ukubonisana noma imibhalo noma imisebenzi yezandla.

Futhi uma inkokhelo yanyanga zonke ukwengeza enye 10%, kungenzeka ukuphendula kahle umbuzo ukuthi ungakwazi akhokhe isikweletu sendlu wakho kusanesikhathi. Badinga kuphela ukwazi isikimu, ngenxa okuyinto zizokwenziwa izinkokhelo esinembile ubhekene nenkinga yezimali. Isibonelo, kokuba multiple ukubolekisa (umthengi credit, credit card), umboleki kumele kuqala ukukhokha loan elincane kakhulu. Kulokhu inkokhelo yanyanga zonke kulolu hlobo loan, kumelwe wengeze 10% futhi ungakhohlwa mayelana nezinye yokukhokha. Ukuyisa kusuka phansi kuya phezulu. Ngemva kwezinye ukubolekisa lizovalwa futhi kuyoba izimali esengeziwe ukuthi umboleki kumele ithunyelwe akhokhe sonke isikweletu sendlu. Lokhu Ukwenyuka okukhulu bayoba inketho njengoba akhokhe isikweletu sendlu yakho ngokushesha.

Ngayiphi ukuze ukhokhe loan?

Nge ukubolekisa eziningana, umboleki kungaba ngcono ukuba akhokhe kuqala labo ukubolekisa okuyiwona onesibalo yonyaka. Kumele kukhunjulwe ukuthi zonke izimali ezibolekiwe kufanele ngokushesha futhi ngokugcwele akhokhe inkokhelo yanyanga zonke. Vimbela kumiswa izinhlawulo kanye nezinhlawulo: kungcono izindleko ezingenasidingo futhi, ngenxa yalokho, le nkathi ukubambezeleka ngenxa yokukhokha esikweletini esiyinhloko - mortgage.

Ukukhokha loans kakhulu "ezibizayo" kufanele kuqale ukukhokhelwa imali encane kuphela ke, ukuqondisa yonke imali etholakalayo ku extinguishment ka abatshelekayo.

Nge umshwalense mortgage

Umboleki ubophekile ngomthetho ukuthathelwa umshuwalense othengiwe kanye impilo nokuphila kwabo njengento. Kungenzeka yini ukuba umuntu akhokhe isikweletu sendlu yakho ngaphambi kwesikhathi ebesibekiwe ngosizo umshwalense? Njengoba inketho - ungakwazi sephule inkontileka umshwalense ngemva loan sasayinwa. Kodwa ukwenza kanjalo kufanele kube kuphela uma kwenzeka uma lo muntu obolekayo eqiniseka ngokugcwele ukuthi ngemva lesi sinyathelo, ibhange kuzodinga kusuka kuye ukubuyiswa kwemali yokuqala yaleli mortgage. Kodwa uma ngaphansi inkontileka singanikezwanga ukubuyiswa kwemali yokuqala yaleli lemali esele esikweletini, uthathe leso sinyathelo ngeke avuse ababoleka yasebhange ukuze ufake isimangalo enkantolo. Kuyinto kokunikezwa kwe-nesivumelwano sokubolekwa imali.

Ekuphetheni isivumelwano sesikweletu kuyadingeka ukwazi kusengaphambili ngasiphi isikhawu umbolekisi kudinga umboleki ukuthi ukuthathelwa umshuwalense nempahla yabo. Uma inkontileka inikeza ukuthi umshwalense kumele sikhishwe lonke elithi loan, awukwazi dream kuleli cala, mayelana umnotho.

Kodwa uma inkontileka ubeka ukuthi lo muntu obolekayo ubophekile ukukhipha umshwalense kanye, kuzoba umuntu ofana akhokhe isikweletu sendlu yakho ngokushesha.

I umshwalense ikhishwa isikhathi unyaka 1 kuya eminyakeni emihlanu. Ngemva kokuphela isidingo yayo ukuvuselela emgqeni inkontileka umshwalense. Kodwa uma inkontileka alisho ukuthi umshwalense liyadingeka ukuvuselela, umboleki ayidingekile ukwenza kanjalo. Phela, akukho nto enjalo e idokhumenti ngemvume.