Mortgage, ngempela ( "VTB 24"). Mortgage "VTB 24": izimo, inkokhelo yokuqala

izindinganiso baseRussia ophilayo namuhla zihlanganisa oluphethe ekhaya lakho siqu - efulethini noma indlu. Ngempela, ukuthenga indawo namuhla ngaphandle kokusebenzisa izinhlelo mortgage akulula. Hhayi kuphela ngenxa yokuba esiningi, futhi ngenxa yokuthi lokho izintengo amafulethi enyuka - ayaphela, ukhathele ukulondoloza. Futhi ngenxa yokuthi izindlu loans - omunye kumasegmenti ashukumisayo kakhulu emakethe yasebhange, futhi izikhungo ngamunye wezimali kunalokho ngokhahlo bancintisane amakhasimende. Lokho kungaba ukunikela umboleki eyinkimbinkimbi omunye amabhange ngobukhulu kuleli zwe? Likuphi indawo lapho umuntu ekhetha ukuthola ukuthi yini ezokwenzeka "Mortgage VTB 24", imigomo ngezinye izikhathi kuhluke kakhulu kusuka esilinganisweni, noma yimuphi omunye abolekise isikhungo?

Imibandela nezimo

yasebhange Russian "VTB 24" kwehlisa izindleko umboleki phezu abatshelekayo. Ikakhulukazi, ezinye izinhlelo ukuthi isikhungo credit unalo impahla khulula yokulinganisa inketho. Njengoba namanye amabhange kakhulu, izinkokhelo ku isikimu annuity, avame ukuba ukhululekile ezingaphezu kuka ifomu umahluko. Kuzo zonke izimo, ke kuvunyelwe ekuseni (noma ngokugcwele noma ingxenye) sokukhokhwa loan mortgage - kuba umkhuba ovamile ukuba "VTB 24".

Mortgage, ukubuyekezwa mayelana nokuthola ukuthi kwamanye amabhange musa njalo ukukhombisa bingelela "Stakhanovite" inqubomgomo loan ukubuyiswa kwemali nge ababoleka, kulesi simo ngokuphelele ohlangothini izithakazelo iklayenti sika. IBhange ilungele cabanga ezihlukahlukene ubufakazi engenayo - isitifiketi kwentela engenayo hhayi kuphela siqu. Yokwahluka yokubhalisa mortgage ngaphandle guarantors futhi isicelo okuthiwa Lesisemkhatsini ifomu izibambiso. Ngo izinhlelo eziningi ebhange Kungaletha kwenombolo (noma inhlanganisela) abolekise izinga - kukho ewusizo angabangela omuhle evela kumakhasimende abanentshisekelo mortgages, yangempela. "VTB 24" - ebhange, futhi lo uzama ukugcina isimo ababoleka imvelo.

Mortgage lempi

Bank "VTB 24" inikeza uhlelo olukhethekile kwezindlu amakhredithi yezakhamuzi othola professional inkonzo yezempi. Isici esiyinhloko lolu hlobo mortgage - ephansi (10% yezindleko izindlu) inkokhelo yokuqala (imikhawulo enkulu ekukhethweni kuka impahla oyifunayo alikho). Paid realtors amasevisi kuphela, ethengiswayo uthenge umshwalense (uma kunesidingo). Kuyaphawuleka ukuthi baphatheke ngokugcweleyo kundlela uhlelo lungashintsha servicemen ezinhlwini aphansi kanye maphakathi iphoyisa, lapho ngineminyaka engu-iminyaka engu-22 (nakuba kukhona komkhawulo - awukwazi ukwenza ngaphandle loan ekhaya, uma lo muntu obolekayo eseneminyaka engaphezu kwengu-45).

Izinhlobo ingcebo ukuthi ungakwazi ukuthenga at mortgage lempi "VTB 24" - indlu nge umhlaba noma flat (kokubili - kokubili emakethe yesibili futhi ingxenye izakhiwo ezintsha). Isicelo loan kubhekwa njengoba umthetho, kuze kube amasonto amabili, kodwa isinqumo sisasebenza izinsuku 122. Lena mortgage lempi - "VTB 24", imigomo okuyinto ukuwugcina ngokuphelele injongo lolu hlelo: ibhange uhlale ekulungele ukubambisana abantu kungeminye yemisebenzi abahlonishwa kakhulu.

Mortgage kanye womama inhlokodolobha

Njengoba inkokhelo phansi a mortgage izakhamuzi Russian angasebenzisa umphakathi womama dolobha. Bank "VTB 24" is abaqhuba uhlobo credit kusukela 2011. Ukukhipha ukubolekisa enjalo kungaba hhayi kuphela izindlu yesibili, kodwa futhi kuyakhiwa (at izivumelwano zobambiswano , noma yosebenza ngezimali ukwakhiwa kwezindlu ama cooperatives). Amagama abalulekile ohlelweni - usayizi inhlokodolobha umzali kumele okungenani ibe ngu-20% yezindleko izindlu, lezo zindinganiso amiswa, "VTB 24" ebhange. Nokuthathelwa yalolu hlobo ekhishwe isikhathi iminyaka engu-30.

ukwesekwa State

Kwezinye izimo, ababoleka kukhona "VTB 24" ingasebenza nakunoma sokubhalisa abatshelekayo okuvela kuhulumeni (njengengxenye inzalo zixhaswe kusukela isabelomali nesimo). Uhlelo Lokhu yasebhange edonsela izinga sasivumela ongaphakeme (cishe 11%) esikhathini standard esiphezulu mortgage (iminyaka engu-30). Nokho, izinga wokugcina incike inani kwemibhalo olunikezwa obolekayo, kanye nohlobo ingcebo: izindlu kuyakhiwa izobiza amaphuzu ambalwa eqolo ngaphezu kwanoma entsha noma "yesibili." Lolu hlelo lokusebenza lidumile ababoleka abafuna ukwazi umehluko wemisindo nemiqondo yamagama mortgage abolekise nokufunda ngalokho kuba mortgage Okuyınqo, yangempela. "VTB 24" inikeza amakhasimende nesithakazelo ngolwazi oludingekayo.

Izimfuneko umboleki

Ngokuvamile, umboleki isicelo sokubhalisela mortgage ku "VTB 24", okuyinto phakathi amabhange ngobukhulu kuleli zwe, kumele ihlangabezane nenani zindlela. Okokuqala, isikweleti sendlu ikhishwa kuphela izakhamuzi zaseRussia, owayeneminyaka engu-21 (i-abesifazane) noma iminyaka engu-23 (yamadoda). Umkhawulo ubudala lapho umboleki angavumela a mortgage - engu-65 ngesikhathi wokufaka. Uyasho kumele ibhaliswe (noma kubhaliswe okwesikhashana) e iyunithi zokuphatha, lapho ihhovisi lebhange, futhi zathola izincwadi. ubude bayo ubuncane umsebenzi kuyakuba 1 unyaka, kanti engenayo waqinisekisa-FAQ 2-PIT noma ifomu okukhethekile ebhange.

Kubalulekile ukuthi umlando credit wawumuhle. umboleki umshwalense - a mortgage imfuneko (ngenye indlela, inani lenzalo kuzokwanda amaphuzu amaningana). Ukuze ababoleka eziningi ezifiselekayo-mortgage engabizi "VTB 24", lapho umnikelo kokuqala kungase kwezinye izimo kuyehla kube 10%, uyakwazi iphokophele amaklayenti enjalo.

Uhlelo main

Naphezu kweqiniso lokuthi okuqukethwe izinhlelo ezithile mortgage "VTB 24" ebhange kungenzeka, kuye ngokuthi izimo emakethe ukushintsha kule isikhungo credit lunezimpawu ezimbalwa izinhlobo ejwayelekile lokunikezelwa ngemali yokwakha. Okokuqala, kuba ukuthengwa kwezindlu emakethe yesibili -umbuso inketho ethandwa kakhulu. Izinga lapha iqala kusukela 11,85% ngonyaka, banikela kokuqala eziningi zingancishiswa abafika kwabangu-10% yezindleko izindlu uthenge. Isikhathi esiphezulu elikhiphe abatshelekayo - engu-50. Eyesibili ifomu ethandwa kakhulu wesikweletu - ukuthenga ekhaya isakhiwo esisha. Izimo ziyefana ukuthi we "izindlu yesibili" Uhlelo, kodwa inani lenzalo sixhomeke kakhulu ukubaluleka efulethini uthenge.

Kukhona ibhange "VTB 24" Umkhiqizo esinegama, elula kubantu abazazisayo isikhathi sabo, - ". Ukunqoba phezu okusemthethweni" Ukusebenzisa ke, mortgage kungenziwa ikhishwe kumadokhumenti ezimbili (kodwa imali kokuqala lingaphezulu kakhulu kunamanye izinhlelo - kusuka 35%). "VTB 24" banganikeza mortgage loan-non-okubhekiswe - izindlu kuvikelwe, okuyinto usuvele uphethe umboleki. isithakazelo Lonyaka kuso - mayelana 13.8%, loan term - akukho iminyaka engaphezu kwengu-20, inani - kufika ku-70% we intengo ingcebo njengoba izibambiso. Kukhona ekhethekile, ngokungafani ukukhetha nezinye amabhange, kodwa itholakala ku "VTB 24" arsenal abatshelekayo - "Umndeni Young". Ngendaba yakhe enemininingwane ngezansi. Bank "VTB 24" ongakunika refinance mortgage loans ekhona kwezinye izikhungo (kufika ku-80% inani lesakhiwo) ngaphansi esihle zenzalo nezinye izimo ezikahle. amakhasimende abaningi bakhetha lokhu ibhange, nje ngenxa yokuthi kukhona refinanced abatshelekayo. Izibuyekezo - "VTB 24", ngokusho kwabo, ngokuvamile babonakala njengoba omunye ukhululekile kakhulu abolekise izikhungo ukusebenza kulesi siqondiso.

Yini ukubheka

Amabhange, mortgage loans ku kwezimo ezifanayo, emakethe Russian likhulu kakhulu. "VTB 24" anezinye ngokucacile, okuyinto liwuhlukanise encintisana eziningi. Okokuqala, akusiyo amarekhodi kuphela engenayo umboleki, kodwa futhi nomkhaya wakhe: elilinganisiwe, ngakho umndeni ukukhokha. Okwesibili, a mortgage kuze kube iminyaka engu-50 - hhayi yonke ebhange Russian ukuze uvumelane nezimo ezinjalo. Okwesithathu, uma lo muntu obolekayo ufisa sokukhokha imali ebolekiwe ngaphambi kwesikhathi ebesibekiwe, akukho izinhlawulo, izimali kanye nezinye izindleko ibhange "VTB 24" kuleli cala alinikezi.

Ngokuvamile, umboleki uzalela izindleko ezincane kakhulu imicikilisho exhunywe ne mortgage. Kubalulekile futhi kakhulu ukuthi ibhange ine Inethiwekhi ebanzi futhi samanje cishe zonke izindawo eRussia. Ngenxa yalokhu-ke bakha kazwelonke ulwazi base kulokho kuyinto mortgage, yangempela. "VTB 24" - omunye izikhungo sokuhlanganiswa kolwazi lwamanje ngalokhu emakethe.

umndeni abasha

Kukhona uhlobo olukhethekile ababoleka, okuyinto edingekayo kakhulu, nokuthi cishe ivuliwe "VTB 24" mortgage. umndeni Young - uma ukhuluma nayo ngokuzibulala. Omunye iphrofayli emincane uhlelo yasebhange libizwa. It yakhelwe ukusiza ukuthengwa ifulethi endaweni esanda kushada ambalwa credit, izakhamuzi abasha oseqinile nezingane futhi ngokuvamile ubunzima kwezezimali. Yiqiniso, ibhange kusiza abantu hhayi ngezindleko zabo, futhi abe ngumlamuleli phakathi umboleki kanye isimo, okuyinto futhi subsidizes hlelo: ingcebo kuba ushibhile by 35% (imibhangqwana, okuyinto akanazo izingane) noma 40% (uma unezingane eyodwa noma ngaphezulu) .

Kulokhu, engu-ngayinye abazali ukuthi babambe iqhaza ohlelweni - kuze kube iminyaka engu-30. Ukukala ngonyaka ku-loan "Umndeni Young" - 11%. esithize ekuvumelwene - kuze kube iminyaka engu-30. Lolu hlelo - base, kungashiwo kulekelelwa eziningana ezinye izinketho - ngokwesibonelo, ngokuxhuma inhlokodolobha umzali noma izindlu izitifiketi. Lolu hlelo ithole sisikhulu phakathi baseRussia.

Iziphetho mayelana ebhange

"VTB 24" iqukethe omunye Iqoqo okucebile izinhlelo mortgage phakathi ukuncintisana credit izikhungo. Lokhu akusona isimanga: lokhu ibhange ine Inethiwekhi ebanzi yophathina amahhovisi kanye kwamakhasimende imisebenzi lwenziwa ngombono lesifunda. inketho ebaluleke kakhulu - ukukhombisa lo muntu obolekayo, lokho ngeke mortgage lokukhokha yami "VTB 24", ukubala ishejuli yenkokhelo - konke lokhu Kwenziwa ibhange. A sesikweletu ezisebenza izithakazelo amaqembu amaningi izakhamuzi, kuhlanganise kakhulu emphakathini abavikelwe - lokhu ihlukanisa kulesi sikhungo credit kusuka ezihlukahlukene nabanye abadlali emakethe.

Ukuze ababoleka, akuhlobene izigaba nelungelo, imigomo mortgage loans zicacile futhi esobala, ezicashile elihlobene ne ukukhokhelwa kwe-akhawunti kanye ukubuyiswa kwemali ekuseni zichazwe kahle kakhulu. Iklayenti uqala ukuyiqonda kahle yini mortgage - "VTB 24", izimo lapho, ezimweni eziningi, kumuntu, emnikeza ulwazi oludingekile.