Mortgage eSt. Petersburg: amabhange, imigomo nemibandela yokucubungula

Namuhla akuwona wonke umuntu ohlala enhlokodolobha yamasiko angakwazi ukuthenga ikhaya lakhe. Yiqiniso, ukuthola imali eningi kangaka cishe akunakwenzeka kumsebenzi ojwayelekile wehhovisi noma umakhi. Yingakho indlu yaseSt. Petersburg idinga kakhulu izakhamizi.

Ngokuvamile lolu hlelo luboleke imali, okunikezwa abantu ukuthengwa kwezindlu. Nakuba isikweletu sokukhokha isikweletu singaba iminyaka engaphezu kwengu-20, inzalo yesithakazelo esikweletini ivame cishe isigamu izindleko zefulethini. Ngaphezu kwalokho, izinhlangano eziningi ezihlinzeka ngempahla ehlala eSt. Petersburg zidinga ukukhokhwa kwesitatimende sokuqala. Izindleko ezinjalo nazo kunzima kakhulu ukuziqoqa ngesikhathi esifushane. Yingakho ngaphambi kokuba uthathe isikweletu, kungconywa ukuthi kungasetshenziselwa ukutadisha imakethe yangasese, kodwa futhi nezinsizakalo zamabhange.

Izinhlobo zokuboleka imali

Kuze kube manje, kunezinketho eziningana eziphathelene nezikweletu ezinjalo:

• Uxhaso lukahulumeni. Lolu hlobo lokuboleka izakhamuzi seluvele luva nje. Imali mboleko yalolu hlobo ingabhekwa njengemali ekhokhelwa inzuzo eSt. Petersburg, ngoba izinga lesithakazelo kulokhu lizoba ngu-11.25% kuphela ngonyaka. Noma kunjalo, ukuze uthole isikweletu esinjalo, kuzodingeka ukuthi ukhiphe umshwalense wezinkampani eziyinkimbinkimbi kubathengi kanye nempahla yabo. Futhi, ngokusho kwezinsizakalo, kuvunyelwe ukuthenga amafulethi kuphela emakethe enkulu, ngokubheka izindleko zezindlu ezivela ku-ruble ezigidi ezintathu ukuya kwezi-8. Igama elikhishwe ngalo mboleko ngokuvamile liyiminyaka engu-25.
• I-Mortgage emakethe enkulu. Kulesi simo, kuvunyelwe ukuthenga indawo yokuhlala okubiza kusuka ku-1 kuya ku-12 million rubles. Uma ohlala eSt. Petersburg enquma ukuthenga ingcebo emakethe eyinhloko, khona-ke izinhlelo eziningi zizotholakala kuye. "Ukwakhiwa okusha epasipoti" - isilinganiso senzalo sonyaka sizoba ngu-13%, ngesikhathi esifanayo kudingeka ukuba okungenani kube ngu-30% wezindleko zezindlu, isikhathi sokukhokha sifike eminyakeni engama-25. "Ukwakhiwa okusha" - kubalulekile ukulungisa uhlu olwandisiwe lwezibambiso nokwenza iPV elingana no-15%.
• Imitholampilo emakethe yesibili. Kulesi simo, izinhlelo eziningana zizosebenza futhi. "Indlu ngepasipoti" - I-MF ayikho ngaphansi kuka-30% wezindleko zezindlu, inzalo yonyaka ngonyaka ka-13.25%. "Indlu" - ngalolu daba ohlala eSt. Petersburg angathenga indlu yezwe, izindleko zazo zizoba ngamabhiliki ayizinkulungwane ezingu-500 kuya ku-12. Ukukhokha okuphansi kuzokuba ngu-25%.

Kodwa-ke, kufanelekile ukucabangela ukuthi imali yokubolekwa kwemali ebhange laseSt. Petersburg ingahluka kakhulu ngokuya enhlanganweni ekhethiwe. Akuzona zonke izinkampani zesikweletu ezihlotshaniswa nezikweletu zale hlobo. Ngaphezu kwalokho, kunethuba lokugijima ekuhlaleni. Ngakho-ke, kungcono ukusebenzisa isicelo semali mboleko enkulu enhlanganweni ethembekile nethembekile.

Mortgage eSt. Petersburg ku-Savings Bank

Ukuze uthole imali yokuthenga isikhala esiphilayo, iningi labantu liphendukela kule nhlangano yezikweletu. Iqiniso liwukuthi i-Sberbank iyona enkulu kunazo zonke eRussian Federation, ngokusebenzisa kwayo izimpesheni nezinye izinsizakalo ezivela kuhulumeni zitholwa. Ngakho-ke, ukuthatha lapha mboleko, umuntu uzoqiniseka ukuthi inkampani yezezimali ngeke ihambe.

Ngakho-ke, uma sikhuluma ngemigomo ye-mortgage eSt. Petersburg e-Savings Bank, kufanelekile ukuveza amaphuzu ambalwa:

• Uma ukhipha isikweletu ngesakhiwo esisha, inzalo encane ngonyaka izoba ngu-10,4% kuphela. Ngesikhathi esifanayo, inani lemalimboleko ngeke libe ngaphansi kwama-ruble ayizinkulungwane ezingu-300. I-PV yokwengezwa ingu-20%.
• Lapho ubolekisa ukuthengwa kwezindlu zasesekondari, iphesenti lezinkokhelo zonyaka izoba ngaphezulu - 10.75%.
• Uma isakhamuzi sifisa ukuthenga indlu yezwe, isilinganiso siyoba ngu-11.75%.

Ngaphandle kwalenhlangano, ungathatha isithwama saseSt. Petersburg ebhange le-VTB 24. Linomsebenzi ozinzile nomlando omude wokuba khona.

I-Mortgage ku-VTB 24

Leli bhange linikeza abathengi izinketho eziningana zokuboleka imali:

• Mortgage eSt. Petersburg ngesakhiwo esisha. Kulesi simo, izinga lizoba ngu-10.9% ngonyaka, futhi izinga lika-10%.
• Ifulethi lisekhaya eliqediwe, izindleko ezingekho ezingaphezu kwezigidi ezingu-60 ze-ruble. Labo abafuna ukuthola indawo enjalo yokuphila, kuzodingeka benze njengenkokhelo ephansi okungenani ngo-10% futhi bakhokhe ngonyaka mayelana no-11.25%.

Mortgage ebhange "Otkrytie"

Kulesi simo, kubalulekile ukufaka okungenani i-20% yenani lefulethi lokuboleka imali. Isilinganiso sonyaka sizoba ngu-11.25%. Uma sikhuluma ngesikhatsi esiphezulu sekhredithi, ngeke kube yiminyaka engaphezu kwengu-30.

Ngaphandle kwesikhwama sempahla e-St Petersburg, i-Otkrytie Bank inikeza izikweletu zemikhakha ukuze kulungiswe izindlu ezinkulu.

I-Mortgage ku-SDB

Leli bhange liyinhlangano enokwethenjelwa, ongayifaka isicelo sokuboleka imali.

I-SKB inikeza izakhamizi ithuba lokukhokhwa kokuqala kanye nokunciphisa imigomo yokukhokha. Ngesikhathi esifanayo, izinga lesithakazelo semalimboleko lizoba ngu-14% ngonyaka.

Noma kunjalo, abaningi banesithakazelo sokuthi kungenzeka ukuthi imali yokuthenga impahla yaseSt. Petersburg ingahlawulwanga. Uma sikhuluma ngomndeni omncane, khona-ke kukhona ngempela. Kusukela namhlanje isikhala esiphilayo sivame ukuthengwa ngabashade nabantwana abancane, umbuso usungule uhlelo olukhethekile kubo.

Mortgage eSt. Petersburg: umndeni omncane

Le phrojekthi ifanelekayo abashade abaneminyaka yobudala abangadluli iminyaka engama-35. Kulesi simo, ukusetshenziswa kwezimali zokubeletha njengokuqala kanye neminikelo eminingana elandelayo kukhonjisiwe. Izinkokhelo ezengeziwe zenziwa kwimodi evamile. Izinga lentela liyi-12.5% ngonyaka. Ngokusho ukuthi, uma sithole uMK, kungenzeka ukuthi sikhiphe imali yokubolekisa ngaphandle kwemali yokuqala yaseSt. Petersburg.

Ngaphezu kwalokho, imindeni emisha engenabantwana ngezinye izikhathi ihola izinsizakalo ezikhethekile ezivela embusweni. Ngokwalezi zimo ezinelungelo, abashadile bangafaka isicelo kwelinye lamagatsha asebhange aqinisekisiwe ngenhloso yokuthola usizo lwezezimali, okungasetshenziswa ngezindlela ezahlukene:

• Hlela imali ngokuya eMalance Loan;
• Buyiselwa ingxenye yemali mboleko noma inani eligcwele;
• Ukubeka le mali njengokukhokha izindlu.

Phakathi kwezinye izinto, ukubolekwa kwemali yokubolekwa kwemali ngenani lentengo ephansi kuyatholakala kubahlanganyeli bezinhlelo (inani elizobe liphansi kakhulu kunezinga lemakethe).

Ukuxhaswa kwalolu hlelo kungenziwa kokubili kusuka kwisabelomali sesifundazwe nendawo. Kulesi simo, isikweletu esingenasithakazelo singakhishwa, lapho isitolimende sokuqala kuyoba yi-30% yenani lefulethi.

Ukwakhiwa kwe-servicemen

Ngo-2005, umbuso wethula uhlelo lwe "Military Mortgage" eSt. Petersburg nakwamanye amadolobha. Ngokusho kwemibono emisha, uhulumeni unikeza abantu abakhonza empini, isikhala esiphilayo asikho uhlobo, kepha ngokukodwa. Lokhu kusho ukuthi isosha lingathola insizakalo ngemali eyi-ruble eyizigidi ezingu-1 futhi iyisebenzise ekukhokhweni kwemali ephansi yokuthenga impahla noma ukuthenga izindlu eziphansi izindleko zalesi samba.

Ngaphezu kwalokho, i- "Military Mortgage" eSt. Petersburg kusho ukunikezwa kwemali ngenani lama-ruble ayizigidi ezingu-2.5 ukukhokha imali. Lezi zimo zibhekwa njengezimele. Inani elilinganiselwe lezinsizakalo ezikhishwe yi-state liphathelene nama-ruble angu-3-4 wezigidi. Uma isosha lifuna ukuthenga izindleko ngezindleko eziphakeme, khona-ke ukhokha konke.

Kodwa-ke, kufanelekile ukucabangela ukuthi le nsizakalo iqukethe izichibiyelo eziningi kanye nokunye. Ngakho-ke, akuwona wonke umuntu okhonza empini angathola usizo olukhulu lwezezimali.

Ekuphethweni

Thola i-mortgage cishe cishe wonke umuntu onomsebenzi onomphela. Konke kuncike ezimweni zesikhungo esithile sezikweletu. Yiqiniso, kungcono ukufaka isicelo sokuboleka imali kumabhange aphethwe nguhulumeni. Kule ndlela kuphela isakhamuzi esiqinisekisiwe. Ngaphambi kokuthenga ifulethi endlini yokubolekwa kwempahla kunconywa ukuba ufunde ngokucophelela imakethe yangasese futhi, uma kungenzeka, uthintane nommeli. Uma usondela ngokuhlakanipha ngendaba, ungakwazi ukunciphisa kakhulu izindleko zokuthenga indlu. Ngaphezu kwalokho, kuyafaneleka ukutadisha ngokucophelela uhlu lwezinsizakalo ezihlinzekwa nguhulumeni.