Kanjani ukuze uthole mortgage ngomlando elibi nezikweletu ezingafuneki: iseluleko sezomthetho

Credit Cards Wiki - omunye ethandwa kakhulu izinhlobo loan emhlabeni. Ithuba ukuthenga izindlu zabo ngesikhathi esisodwa futhi emva kweminyaka ubandlululo yena konke, ukuheha abantu abaningi. Nokho, wathola iziqu ze-mortgage ngomlando omubi wokukweleta kungaba inkinga engathí sina endleleni eya iphupho ekhoneni lakho siqu.

Okufanele ukwenze esimweni esinjalo? Kusho indawo ku idumela zezimali futhi indlela yokuxazulula kuphi inkinga negazi elincane? Le mibuzo kanye eziningi nezinye nesithakazelo esikhulu umfundi, kanye ebhekene zokuchithwa mortgage.

Kuyini loan mortgage

Okokuqala, ake sixoxe ngalokho a mortgage futhi credit umlando, indlela ezihlobana ngayo ngomunye nomunye, futhi kungakhathaliseki ukuthi umuntu kungathinta omunye.

By Igama elithi "mortgage" kusho uhlobo evuma, lapho izikweletu ukuthenga izindlu, nokuthi kuba ukhiye ebhange kuze the enkokhelweni loan. Kulokhu, umthengi nakuba kubhekwa umnikazi we efulethini, kodwa awukwazi ukwenza kube yiziphi izenzo zomthetho. Uma izinhlawulo afakiwe kuze ulindele ukubuyiselwa yona iphelele imalimboleko iklayenti eyeka ukukhokha izikweletu. Ekugcineni, ibhange kungaba futhi ingabe ayothatha efulethini kusukela umboleki zokunganaki. Kulokhu, abantu engozini inyumbazana nithenge ngaphandle kwemali nangaphandle yokukhosela.

Ngaphezu izitobhi noma ukubambezeleka ekukhokheleni imalimboleko, kunezinye izizathu ukuqedwa kwenkontileka:

• ecekela phansi kwempahla, ukwehluleka ukuhambisana nemibandela yokusebenza;
• ukudluliswa izindawo ukusetshenziswa yizinkampani zangaphandle;
• kokunikezwa kwe-nemibandela umshwalense;
• ezinjenge kwezakhiwo, ushintsho kwezindlu tehharakteristik.

Ikhumbula yokuthi ukubolekisa ezinjalo zikhokhelwa ambalwa nje eminyaka, amabhange kakhulu siyihlolisise kwalabo abanikeza abatshelekayo. Bazama ngazo zonke izindlela kuncishiswe ingozi non-buyiselo ezikweletini. Ukuze ibhange isilinganiso umboleki ekahle simiswe ngalendlela lelandzelako:

• Ubudala - iminyaka engaba ngu 27-30. Lokhu kwanele ukhombe nokuphela izinkokhelo ikhasimende umhlalaphansi.
• A okusezingeni iholo olusemthethweni. Uma imali yakho engenayo okungenani izikhathi ezintathu ukukhokha njalo ngenyanga mortgage, wena uyakwamukela ikhasimende kwanoma iyiphi ebhange.
• Kuvele isipiliyoni umxhwele abahle, okungcono kokuthunyelwe ehlonishwayo.
• Isimo umkhaya uzinze, kanye ambalwa izingane aqinise isikhundla sakho. Ngaphezu kwalokho, kuyinto efiselekayo ukuthi oshade naye (unkosikazi) babesebenza nge ngihola kahle.

Kodwa ngisho noma ukuhlangabezana zonke lezi zindlela futhi udinga indlu, umlando omubi wokukweleta ungadlala nawe ihlaya enonya.

Inkinga ikuphi-ingabe Umlando wokukhokha

Noma ubani ofuna ukusebenzisa ibhange nge isicelo ukuthola indlu, kufanele siqonde kuqala ukuthi kwakusho ukuthini-ke inkulumo ethi "Umlando wokukhokha kwemali", njengoba kwakhiwa it is, lapho kungatholakala futhi lokho kuthinta. Khona-ke, esikhundleni Okubelesela nabangane nabantu obajwayele nge isimemezelo esithi: "Siza uthole mortgage ngomlando omubi wokukweleta!" - umuntu ingakwazi nomthelela isimo.

Ngaphambi kokunquma umklamo imalimboleko, noma iyiphi inhlangano yezimali ngempela ubheke BCH (credit bureau). Ukulingana ulwazi wonke umuntu oseke empilweni yami ukuthatha imali izikweletu. Ngo database ezinjalo ezithuthukisiwe ngolwazi ngalokho-ke senziwe ukubolekisa kulokho noma lowo muntu, ngokucophelela ukuthi wenze izinkokhelo uma kubambezeleka. Uma kwakukhona kwesivumelwano abasenza, nerekhodi nazo zizovela izindaba credit.

Siyini "umlando omubi wokukweleta" nokuthi kuthinta

Njengoba wazi, endaweni e CI - isizathu sokwala ukuthola a mortgage. Ukufinyelela yolwazi konke zokuthenga ngesikweletu, ngaphandle kokukhetha. Kukhona isimo sokunquma eziningana ngawo amasheke ngokuvamile kwenziwa. Ngokwesibonelo, ezifana:

1. Ukwahluleka okuthobela nanoma imigomo yenkontileka, bokulibazisa lokukhokha, ayenqaba ephelele ukuzibophezela.
2. Izizathu ukuthi musa kuxhomeke obolekayo, kodwa lesi zokwelapha. Lokhu kungaba iphutha imininingwane, wenze inkokhelo ngomunye yasebhange, yokukhokha sekwedlule isikhathi, uhlelo ukubala engalungile inkokhelo yokugcina, nezinye izinto.
3. ngezenzo zenkohlakalo. Kukhona amacala lapho izigebengu bahlelekela loan, usebenzisa imibhalo zabanye abantu. Bayabuyela imali, yebo, ngeke. Kulokhu, ngisho noma ngabe izenzo zobugebengu besithathu nizoba, IQ yakho uzobe ngokuphelele spoilt.

Yiqiniso, iklayenti ibonakala icala, kodwa ukukusiza e mortgage wayedinga ngempela in the sakamuva emacaleni amabili.

Kanjani ukuhlola umlando wakho siqu credit futhi kungani kufanele kwenziwe

Ukuze ugweme izimo ezingemnandi, kungcono ukuqiniseka ukuthi ukuthola IQ yabo kusengaphambili. Iqiniso lokuthi ibhange akaphoqelekile ukwenza ngandlela-thile esekele ukwenqaba kwakhe, kodwa ezikhathini eziningi abasebenzi weemali kubhekiselwa kuso. Ngaphandle zonke izici ezingenhla, kungase konakalise izenzakalo ngisho ezincane:

• (Izinsuku ezimbalwa) amancane ukubambezeleka yabathengi credit;
• ukukhokhelwa ekuqaleni imalimboleko ngaphandle kwemvume ebhange;
• ukwehluleka ukuhambisana nezibopho zayo, ubungumfazi yisiboniso isihlobo ukubolekwa imali noma ukuthola umngane;
• kwezikweleti 2-3 ruble okubangelwa ngenxa yephutha in izibalo.

Ukuze abalekele inkinga, kwenze umthetho okungenani kanye ngonyaka, uhlole credit yakho idumela. Lapho ukuthi sikwenze ngempela bamane:

1. Okokuqala odinga ukubhekana e uphiko oluyisipesheli we Bank of Russia, okuthiwa "Central Catalogue KI". Badinga ukuze uthole ulwazi mayelana ncamashi yilapho indaba yakho.
2. Manje, ukuthumela isicelo ethile-credit bureau kanye ukuthola ukwaziswa okufanele. Kanye ngonyaka, kungenziwa mahhala.

Kanjani ukuthola loan, nokuba nedumela lokuthi wayephila

Kungakhathaliseki ulwazi uthola kanjalo, ungalilahli ithemba. Khumbula, usengakwazi ukuthola mortgage. Bad Umlando wokukhokha kwemali ukuziqhayisa, yebo, akudingekile. Kodwa isimo ezingelapheka. Kanjani? Kunezindlela eziningana:

• kuhanjiswa kwemibhalo esikhungweni encane wezimali, hlola azikho ngakho babegcina engase yenzeke;
• koSanta ukuze abaxhumanisi;
• Gcwalisa i-abatshelekayo ebhange, okuyinto vele kukunika loan eyodwa;
• imalimboleko unjiniyela;
• ukubulawa kwabo ukuqasha-kuthenga.

Kukhona futhi izindlela lapho akudingekile iphendukele. Akusiyo imfihlo ukuthi emakethe zikhona izinhlangano ezilungele imali ukulungisa imibhalo. Ukuze wenze lokhu, njengoba wazi, futhi akukho emthethweni. Kungaba nomphumela ingabikho imiphumela emibi.

Futhi emkhakheni yasebhange abolekise kuyinto Kuyaziwa ngempela ukufumbathisa kwezohwebo. Lokhu kusho ukuthi abanye abasebenzi weemali zilungele uvale amehlo abo akuthumela negative credit umlando iklayenti. Yiqiniso, akunjalo nje, futhi umvuzo okuqinile. Ungavumi ukuthi. izenzo ezinjalo emthethweni.

Ingabe ukulungisa umlando omubi

Nokuthathelwa ngomlando ezimbi - kuba enzima kakhulu, kodwa ngempela. Ukuthola amaphutha CI, ungafaka isicelo ushintsho. Kulokhu une ukufakazela ukuthi ulwazi oluqukethwe umlando credit, alithembekile futhi kuncike ukulungiswa. isheke ezizokwenziwa ku nesicelo sakho. Kuleli qophelo, kudingeka alungiselele imibhalo le ncazelo ichaza wena njengoba iklayenti sithembekile. ukuthengiselana okunjalo kungahlanganisa:

• namarisidi eqinisekisa isimo senkokhelo;
• okukhishwe kusuka izikhungo zezimali, ukuntuleka ukubolekisa oluvelele;
• isitifiketi kusukela amaphoyisa ukuthi loan wakhishwa izigebengu kumadokhumenti akho;
• namanye amadokhumenti nihlola ubumsulwa bakho.

Ukucwaningwa kuyonqunywa ku izinguquko lomlando wakho wezikweletu. Uma igama likaJehova, futhi ungavumelani imiphumela yokuhlola, ungaya enkantolo futhi avikele amalungelo abo lapho.

Uma ingxenye yokwephula kwakho kwenzeka ngempela, futhi manje awazi ukuthi ungathola mortgage ngomlando omubi wokukweleta, kubalulekile ukuqhubeka kanje. Thatha noma iyiphi ebhange loans ezincane umthengi ukuthengwa, isibonelo, izinto zasendlini, futhi ngobumnene basigcwalise. Phinda lezi zinyathelo izikhathi eziningana. Ngakho ulungise idumela lakho lezezimali, amaphutha amancane esikhathini esidlule uyothethelela.

Isikweletu okusuka kunjiniyela

Manje asikhulume mayelana nendlela uthole mortgage ngomlando omubi wokukweleta, uma elungile ihlulekile futhi ibhange uke sinqatshelwe. Kulokhu, ungazama ukusebenzisa ngqo unjiniyela. Akulona amafemu enkulukazi ukwakhiwa ngokuvamile kudingeka ukuheha third-party dolobha. Ukuze wenze lokhu, kudingeka uthintane ebhange loan. Nokho, lokhu akukhona inzuzo ngakho, njengoba kufanele akhokhe inzalo.

inketho Okuningi inzuzo kuyinto ukuphetha nge izitolimende inkontileka ikhasimende. Kulokhu, unjiniyela uyithathaphi imali eyengeziwe ukuze kwakhiwe futhi abantu yemvelo - ikhono ukukhokhela izindleko izingxenye izindlu.

Lapho izinzuzo ezisobala, ezifana ukuntula inzalo, iimali ezibhadelwako, inkokhelo yekuhlola sibuye sinike umshwalense, le ndlela has kusimo abalulekile - nesikhathi ezingelutho inkokhelo izitolimende. Akuvamile iyiphi inkampani bangavumelana ukuphothula isivumelwano ezinjalo isikhathi esiyiminyaka neminyaka engaphezu kwengu-5. Ngaphezu kwalokho, uqiniseka adinga isitolimende sasivumela esiqinile sokuqala. Ngokuvamile-ke u-30% yezindleko izindlu.

Ixhumana yebhange elincane

Uma uyazibuza mayelana nokuthi uthole mortgage ngomlando omubi wokukweleta, zama ukuxhumana ebhange abasha noma isikhungo elincane zezimali. zikhungo lwa amaklayenti ngamunye futhi ngokuvamile ukunciphisa izimfuneko abafundela abatshelekayo.

Ngaphezu kwalokho, lezi zinhlangano ngokuvamile ukusebenza ochwepheshe abangenayo nesipiliyoni emkhakheni obolekisayo. Ngamafuphi nje, ukuthi nje ukuthi kufanele ubhekephi, kodwa abe nesifiso esikhulu ukuba bangena esivumelwaneni.

Kodwa le ndlela has nemiphumela ethile engathandeki. Ngokuvamile kuba kahle eliphezulu zenzalo noma ukunqunywa kwezimali ezengeziwe. Ngale ndlela, amabhange amancane bathambekele kuncishiswe ingozi okuzenzakalelayo.

Isibambiso ibheyili +

Enye sendlela uthole mortgage ngomlando omubi wokukweleta, ukunikeza inqwaba eseduze eyengeziwe kanye guarantors.

Njengoba kungashiwo ukuthi amabhange ngeke abambisane amaklayenti zazingeke zisebenze kahle, uyoba ukukholisa ozakwabo ukuthi ongamethemba. Okokuqala udinga acele ukwesekwa somuntu lihle ngokwezimali nokuba imali okuqinile. Ngisho kangcono, lezi guarantors kuyoba ambalwa. Kulokhu, umlando wakho omubi credit ngeke onohlonze kakhulu ukubheka emehlweni umphathi. Phela, uma kwenzeka ukwehluleka ukuhambisana nezibopho zayo esikweletini kakade adinga co-Osayinile.

Uma unganikeza ebhange nge into ebizayo, uke ephethwe amalungelo endawo nempahla, izophinda ukwandisa amathuba akho okuthola a mortgage. Kungaba cottage, imoto ebiza, encane esemaphandleni, ubucwebe Antique nokunye. Kufanele kuqondwe ukuthi efulethini uthenge beyoba ukhiye. Futhi uma kwenzeka uhluleka ukuhambisana nezibopho zayo, ungase ulahlekelwe kokubili isibambiso futhi bashiya yonke into.

Phakamisa inani lokuqala eyaphuma ngalo

Cishe bonke loans mortgage zikhishwa okungenani (phansi zero) iphuma okokuqala. Ngakho-ke, uma ungazi kanjani uthole mortgage ngomlando omubi wokukweleta, kodwa une isamba elanele izimali, ukuzama ukuhlela loan ne inkokhelo enkulu phansi. Uma ungenza ilungelo mayelana 50% yezindleko izindlu, umlando ongemuhle ibhange kungenzeka ashalazele. Lokhu kwenzeka ngoba, yize ngeke usakwazi ukukhokha ku loan, ibhange kalula ukuthengisa efulethini yakho isigamu ukubaluleka kwawo kwangempela futhi bayothola imali.

Sinxusa umlamuleli

Ngezinye izikhathi umlando credit wekhasimende Lokhu kumzwisa ubuhlungu kakhulu, ukuthi kungase kudingeke usizo ekutholeni ezibhekene nemikhaya. Ngenxa yale njongo kukhona ekhethekile credit wabathengi. Laba bantu ukukunikeza uhlu amabhange ukuthi bazimisele niqhube ingxoxo inkinga amakhasimende. Ukuze uthole sikukhokhise inhlawulo, broker uyothatha zonke izingxoxo futhi cishe nakanjani ukukunikeza abatshelekayo. Nokho, amasevisi abasizi enjalo abiza ezibizayo, kodwa ngezinye izikhathi kungcono indlela kuphela.

Senza eqashisa ngamafulethi efulethini

Kunenye kahle entsha endleleni Russian zekhadi mortgage nge idumela wayephila. Lokhu izindlu eqashisa ngamafulethi. Ingqikithi ke ukuthi umuntu engena izindlu zokuqashisa-kuthenga. imali nyanga zonke ngesikhathi esifanayo siqukethe izindleko iqashwe kanye nenani lenkokhelo loan. Credit umlando kuleli cala akusho ukudlala noma yimuphi indima. Phela, ngaphambi nokukhokhwa lonke izindleko ikhasimende akusiyo umnikazi we efulethini, futhi isikhungo sezezimali.