Mortgage ngaphandle inkokhelo phansi "Bank Agricultural": izimo, inani lenzalo

Indawo - lokhu ingenye izidingo oyinhloko ngamunye wethu. Ngeshwa, esikhathini sethu, the square metres bayabiza. Kodwa ngoba kukhona nzima, abantu ukuxazulula le nkinga ngokwenza ngaphandle loan ngaphandle bekuhloswe ifulethi noma indlu. Futhi ngaphambi kwalokho, base befunda ngokucophelela iziphakamiso, okuyizinto emakethe yezimali. Futhi abantu abaningi banesithakazelo bengatshelekwa kakhulu kungekho phansi inkokhelo ukuze "Rosselkhozbank".

ulwazi olujwayelekile

Ukuze uqale, Ngithanda ukusho ukuthi leli isikhungo sezezimali esingamethemba. Njengoba ivuliwe endaweni yesithupha ku simo ukuthembeka phakathi amabhange 600 eRussia. Inani amafa "Rosselkhozbank" idlula isamba ruble 2,76 trillion. Futhi iqiniso lokuthi abantu umethembe imali yabo, usenza simethembe.

Yini esingayifunda ukunitshela ngaloNkulunkulu isevisi mortgage ngaphandle inkokhelo phansi "Agricultural Bank"? Ngakho, okokuqala, ikhona. Futhi okwesibili, ikhishwe alulona olwawo wonke umuntu. kukhona izimo ezintathu kuphela udokotela ovamile, lapho kungenzeka.

Okokuqala, imali kokuqala akudingekile, kodwa izimo Ukukhishwa mortgage kuyoba eqinile. Futhi babonakalise kungaba elithi mfushane yokukhokha, noma eziphezulu zenzalo.

Icala lesibili: njengoba inani izimali, okuyinto sathathwa ukuqinisekisa ukuvikeleka ingcebo, okuyinto usuvele uphethe umboleki. Isikweletu esingu yokukhokha yayo kanye ukuthengwa kwezindlu ezintsha ezikhishwe ngokushesha, ndawonye.

Futhi kunjalo wesithathu: enhloko-dolobha womama, elithole umboleki ngesikhathi sokuzalwa sengane isetshenziswa njengophawu yokukhokha phansi. Lapha nje wayekwenza "Rosselkhozbank". By the way, imikhaya abasha (njengengane, futhi ngaphandle kwalo) enikeziwe izimo ezikahle, okuyinto isho ibha encishisiwe for iphuma okokuqala. Nokho, asikwazi ukukhuluma ngalokhu nokuningi.

ezingabizi ingcebo

Mortgage ngaphandle inkokhelo phansi "Bank Agricultural" eyakhishwa ukuthengwa imikhakha ethile yezinto. Abantu abasebenzisa ama-inhloko-dolobha womama Ungathenga ifulethi noma eyinhloko noma emakethe yesibili. Ukuthengwa kwezindlu endlini elalisanda kwakhiwa (lokhu ngenhlanhla ikhambi iningi engabizi).

Futhi iyatholakala kubo ekhaya izwe futhi townhouses. imali eningi kumele inikwe i ukwakhiwa ezimele emizi yabantu. Futhi, ukuthengwa ezweni lapho izindlu is bazakha. Ngaphezu kwalokho, mortgage ikhishwa ukuthengwa izindlu sidle izwe, uma abantu uhlela ukuletha isakhiwo kuze kube sekupheleni. Ukuze ukuthengwa ezweni ukuthola credit target ngangokunokwenzeka.

Isimo main

Ukuze mortgage ngaphandle inkokhelo phansi "Rosselkhozbank" sivunyiwe, ikhono umboleki kumelwe ahlangabezane nezimfuneko ezithile. Okubaluleke kakhulu, kufanele kuqashelwe ukunakekelwa okukhethekile.

Umboleki liyoba nelungelo ngokugcwele ukulahla inhlokodolobha komama eziyihlazo. Futhi uma lemali ukuthi unokuhlangenwe, ihlanganisa ubukhulu yokukhokha limenyezelwe kokuqala, okuyinto kunqunywa imigomo nezinhlelo ngendlela ehlukile, mortgage sivunyiwe. Ngakho isinqumo kuleli cala, uma inani lemali lidlula. Lokhu kusho ukuthi imali yokuqala ongase umboleki kuyoba 0%.

Okuningi umnikazi kwempahla idluliselwe njengoba eseduze, kuzomele kube umuntu omdala. Futhi ezinyangeni ezintathu ngemuva Ukukhishwa loan, kufanele afake isicelo Pension Fund we Russian Federation, uhlu dolobha womama ebhange. Lokhu kuyadingeka sokukhokhwa olungaphelele mortgage - lawa izimo. Nokho, ngaphezu iphakethe ejwayelekile kwemibhalo lapho wenza loan liyadingeka uhlinzeke isitifiketi kuya CMC futhi isitifiketi kusukela Pension Fund, okuyinto bayolotshwa, okuyinto lemali igcinwe kwi-akhawunti ye-dolobha umzali.

amadokhumenti

Kodwa manje kungenzeka ukuba uthumele iphepha, okuyinto kuyodingeka ukuqoqa futhi alethe umuntu okhetha ukuthatha mortgage ku "Rosselkhozbank". Uhlu simiswe ngalendlela lelandzelako:

1. Ifomu yasebhange ebekiwe efomini.

2. ipasipoti we isakhamuzi Russian Federation. idokhumenti Kufanele futhi okulingana (isib isitifiketi lempi, ukukhonza nge).

3. I-ID Military - isibopho sokuba amadoda ngaphansi kweminyaka eyi-27. Enye - isitifiketi sokubhalisa.

4. Idokodo esiqinisekisa isimo somshado kanye phambi kwezingane, uma ikhona.

5. Paper eqinisekisa izinga okuqasha ezingaba umboleki futhi isimo sayo sezimali.

6. Wonke amadokhumenti mayelana impahla kabani yokufuna sihlelelwe.

Uhlu izibambiso kungenzeka ngobubanzi - uma udinga okuthile, ke azokwazisa ikhasimende mayelana umuntu ngamunye.

izidingo eziyisisekelo

Abantu abaningi baye ekhishwe lolu hlobo loan like a mortgage ku "Rosselkhozbank". Izibuyekezo zinhle, bashiya - ukuqinisekisa ukuthi isimo esihle esilula, ukuthi kubalulekile. Inhlangano kuhle Bona amakhasimende Fide ngomlando ezinhle credit. Lokhu ngenhlanhla omunye izimfuneko ababoleka ezingaba khona. Kukhona abanye abambalwa:

1. Ubudala - okungenani engu-21. Le mali kumelwe abuyiselwe kuze iminyaka 65.

2. Ubuzwe - eRussia. Njengoba yokubhalisa.

3. Experience - kwezinyanga eziyisithupha endaweni wokugcina umsebenzi. Futhi okungenani unyaka lonke umsebenzi lilonke. Ukuze amakhasimende "Rosselkhozbank" isaphulelo - kufanele ziyekwe banobufakazi ezinyangeni ezingu-3 endaweni efanayo.

Abantu abadala ayeyile amaholide zomthetho, kanye nezinkokhelo enikwa RF sempesheni i-akhawunti ivulekile enhlanganweni, inikeza izimo ezikhethekile "Rosselkhozbank". Mortgage impesheni itholakala izimo mnene - ngabo khona lonyaka lomsebenzi akusona eminyakeni emihlanu edlule.

umndeni abasha

Njengoba ubona, kuba impela ngendlela eqondakalayo kusikisela "Rosselkhozbank". Mortgage nokusekela umbuso iyathandwa, ikakhulukazi phakathi kwemindeni abasha. Futhi kukhona ulwazi ahlukene ngabo.

Umndeni abasha ubhekwa umfelandawonye lapho engu-omunye abashadayo (kuhle - kokubili) ingeqi uphawu engu-35. Futhi awela kulesi sigaba of ababoleka ezingaba ngaphandle koxhumano umlingani esemthethweni, kodwa ingane. Nokho, unina / uyise wodwa futhi akufanele ube neminyaka engaphezu kuka-35.

izinzuzo

Manje nomnikelo. inhlokodolobha nal kungenziwa ukhokhelwe okungenani ama-10% intengo impahla. Kodwa uma kuba entsha (primary emakethe) - ubukhulu luyanda 20%.

Iphuzu elibalulekile: uma isikhathi loan, lo mbhangqwana kwadingeka ingane, angase ukubambezeleka kokukhokhwa kwezikweletu. Kodwa kuphela kuze kube isikhathi lapho ingane nje iminyaka engu-3 ubudala.

isithakazelo

Lena sihloko esiqakatheke khulu. Wonke umuntu ufuna ukwazi ukuthi ziningi kangakanani izinto kuyodingeka bakhokhe njengesikweletu. Futhi laba bantu unesithakazelo kwasekuqaleni, ebhekisela 'Agricultural Bank ". "Mortgage Calculator" - usizo olukhulu uma kwenzeka udinga ukubala konke.

Ake sithi, imali ye abashadile inani ruble 60 000 ngenyanga. Esimweni esinjalo, bona okungavunyelwa Ikhredithi kuze kube 2617500 ku p. Ngokwesibonelo, wanquma ukuthatha kwezigidi ezimbili ukuthenga efulethini studio iminyaka 10. inani lenzalo yonyaka - 12.9%. Futhi-15% lemali kushiwo ikhokhwe kungakapheli izinyanga ezintathu inhlokodolobha umzali. Kulokhu, ngenyanga bazokwazi ukunikeza ruble 29.745 ukukhokha izikweletu. Njengoba esiphezulu yokukhokha zabo zingakwazi ukufinyelela 43 313 k. A semali ebhange akakwazi ukwamukela ngisho noma umthombo obengeziwe ngenzuzo babevela amakhasimende futhi bangakwazi ukukhokha eningi ezikweletini. Ukuze ushintshe imvelo kuyodingeka isicelo ngqo "Agricultural Bank".

"Mortgage wokubala" - sevisi okuhle okuningi ngoba ibonisa nohlelo lokubuyisela imali njengoba. Embuka, ungabona yimalini umuntu overpaid. Uma sikhuluma isibonelo ngenhla, jikelele ababoleka yasebhange uzokhokha ruble 3.569.400. kwezigidi ezimbili njengoba ezikweletini 1,569,400 (lemali neze kancane matasa) - njengoba amaphesenti.

Imininingwane bomphakathi

Akukona konke iziphakamiso ezithakazelisayo, okuyinto has a "Rosselkhozbank". Mortgage Military - lena esinye isihloko okufanele ukunakwa kuphawulwe. A indlela okuthakazelisa kakhulu yokufuna izindlu. Kuyinto atholakale servicemen abathintekayo kulo imali kanye mortgage uhlelo izindlu.

Ngakho nanku indlela okusebenza ngayo: lempi wavula kulondolozwa akhawunti lapho isimo njalo ngenyanga ubala ethile. Ukuze 2016 sasifana nokuthi ruble 245.880 ngonyaka. Ngemva kweminyaka emithathu iqhaza empini bengase azisizi NIS umbiko ukuthola isitifiketi, okuyinto uyoyinika ilungelo uthole abahlosiwe ngemali yokwakha. Lapho-ke kusezandleni zakhe - sekuyisikhathi eyolanda impahla, uhlangabezane nezimfuneko ezithile. amathelevishini abo Russian Ministry Defense, ibhange uqobo futhi inkampani yomshuwalense.

izenzo okwengeziwe

Lapho abezempi ukuzinqumela ngokwayo uhlalwe, okuyinto angathanda ukuthenga, ungaya asayine isivumelwano mortgage. "Agricultural Bank" kuvula akhawunti ehlukile, okuyinto libala zonke izimali zanqwabelana kohlaka NIS. Ziyakwazi imali kokuqala uzokhokhelwa.

Okudingekayo ukuze lo muntu obolekayo yilezi:

1. Ubuzwe - eRussia.

2. yobudala Minimum - 22 ubudala.

3. esiphezulu - engu-45 ubudala ngaleso sikhathi buyiselo.

4. Inkathi iqhaza NIS - ubuncane izinyanga 36.

Inani eliphezulu ukuthi ungathola ezempi njengoba loan - ruble ayizigidi ezingu 2.05 ukuthengwa ifulethi. Uma ufuna ukuthenga isiza nge indlu - bekungaba 1 850 000 k. Izinga kuyoba ulingana 10.5 futhi 11.5% ngokulandelana. Ngakho flat, njengoba kungabonwa, ukuthenga ngcono kuzo zonke izici. By the way, izimali zanqwabelana kohlaka NIS kufanele ngokwanele okungenani imali angu-10.

Kanjani senkokhelo? indlela elula. Ungibuyisela izikweletu FGKU "Rosvoenipoteka". Izimali zivela isabelomali sikahulumeni. inkokhelo yanyanga zonke ka 1/12 of lemali lapho lempi ayenalo njengombonisi Imali USB.

Yini enye engingabuye ngiyenze ukwazi?

Ukunakwa Kumele kuqashelwe kanye neminye imininingwane ngokuphathelene ukucutshungulwa loan inhlangano ezifana "Rosselkhozbank". Mortgage senzalo, imigomo - kubalulekile ngempela. Kodwa namuhla ezithakazelisayo kakhulu ukwazi ukuthi yini wena okudingeka uyenze ukuze uthole imvume ngokushesha imalimboleko futhi kanjani ukusindisa. Futhi nazi amathiphu:

1. Kuyadingeka wokuba alethe amaphepha amaningi nihlola solvency zezimali. I emikhulu emakethe, eqinisekisa imithombo ehlukahlukene engenayo - ngcono. Abantu abaningi abanikeza amakhaya owawusukhona kakade ukuze yerenti, alethe ngisho yenkontileka, lubonise iqiniso leli qiniso.

2. Ukuze uthathe mortgage badinga okungenani isikhathi kungenzeka. I ngokweqile kuyoba ezincane.

3. Kuyinto efiselekayo ukudweba sozaomschika. Noma ngisho ezimbili.

4. inkokhelo yokuqala kufanele lenziwe laba likhulu - ukuze izikweletu isibe ezincane.

5. Ukuze uthole hle deal ku zenzalo, kubalulekile ngaphambili ukuba abe ikhasimende ye ebhange.

Kodwa into ebaluleke kakhulu - kumelwe kuqala uzijwayeze ngazo zonke izinto, futhi imibandela ebekwe inkontileka. Futhi kuphela ke anqume ukukhipha imali-mboleko. Prudence ezindabeni zezimali akuzona eziphindaphindekayo.