Ngingaba lokuqala ngokukhokha iba mortgage ku Savings Bank yenhloko-dolobha umzali?

Abazali nezingane ezimbili noma ngaphezulu, ngokuvamile kufanele ubhekane umbuzo ukuthi ukubuyiswa kwemali ekuqaleni we mortgage ku Savings Bank. Imibandela leyo mali kuxhomeke ngokushesha kanjani umndeni bazovunyelwa ukusizakala evelele embusweni uxhaso - inhlokodolobha umzali.

Kungani ingenzele mortgage

Ezimweni lapho wombuso aid isetshenziselwa ukwakha izindlu, ukuthengwa square metres, inkokhelo kwetinsita tekufundza noma ukwakheka engxenyeni uxhaso izimali zempesheni ngeke kutholakale ingane ize sekuyiminyaka emithathu ubudala. Uma dolobha kamama iqondiswa ukukhokhela sonke isikweletu sendlu, linda usuku ukuphela kwalesi simemezelo akudingekile. Yingakho umklamo imalimboleko izindlu kanye ilungelo buyiselo ekuseni kuba eyinhloko abazali ukufinyelela mxhaso.

Nakani imigomo buyiselo imalimboleko

ngamabhange, njengoba umthetho, akanandaba yokuthi ikhasimende ibuyisela phambili boleko isikhathi. Ngakho-ke, ababoleka eziningi ezingaba khona ukhathazekile, ukuthi kungenzeka lokuqala ngokukhokha iba loan mortgage kusukela Sberbank.

Ukuze uthole imali-mboleko, kubalulekile ukufunda futhi uhlaziye udumo imibhalo umugca ngemugca singanqotshwa ukucunula abasebenzi abafisa ugijimele wena. Imigomo buyiselo imalimboleko ngokuvamile abazinikezele lonke ingxenye yesivumelwano. Nakani ishejuli yenkokhelo - ke kungenziwa efakwa isicelo esihlukile. Ukhululekile uma ikhombisile ukuthi usuku? Ingabe inkokhelo likhulu kakhulu nyangazonke? Imigomo buyiselo zakuqala zaveza ngokuningiliziwe, kodwa kumele inikwe emibhalweni yaphansi noma kufihlwe ngokuchichima umbhalo uyithayiphe ngamagama amancane.

namaqhinga abakweletwayo

amabhange Abaningi ozama nomkhawulo ilungelo amakhasimende ukubuyela loan ngokugcwele noma ngokwengxenye, ngaphambili elicacisiwe inkontileka. Kuze kube yimanje, amarekhodi credit ngokuvamile izimo ezengeziwe kwethulwa. Ngokwesibonelo, ezifana:

1. wokuhlengwa Early avunyelwe ngaphambili kuka ngemva kwesikhathi eside, okuyinto kungaba izinyanga 6 noma ngaphezulu.
2. Ubeka kombundu okungenani ngenani yokukhokha ngaphambi kwesikhathi ebesibekiwe. Ngokwesibonelo, umboleki iyakwenqabela ziqondiswe ukubuyiswa kwemali of tibalo lemali esikhathini esingaphansi 10 eziyinkulungwane. Hlikihla. Ngakho, konke kusenjalo ukuthola ibhonasi emsebenzini, uma akusiyo sikhulu kakhulu, ukwenza Ngeke ukwazi ukunciphisa izindleko yesikweletu.
3. Amadokhumende lingasethwa Imali zakuqala loan imbuyiselo. Ngokuvamile, usayizi waso kubadumaze ukukhokha izikweletu ngaphambi kwesikhathi.
4. Kakhulu kangakanani kumadokhumenti loan izimo kwimboni azinzima kangako samanje ezidinga akhokhe inzalo kanye nezimali ngokugcwele isikhathi iqoqo isikhathi (isib, njalo ngenyanga noma kanye ngemva kwezinyanga ezintathu), naphezu kweqiniso lokuthi ubuyisele loan ngaphambi kwesikhathi ebesibekiwe.

Ngingaba lokuqala ngokukhokha iba mortgage ku Savings Bank

Imibandela kokuzincisha ilungelo umboleki ukuba abuyisele ngaphambi kwesikhathi isibopho, abe efanele ikakhulukazi ngezikhathi zeziyaluyalu zezimali. Ngakho-ke, amakhasimende amaningi sebeqala bayangabaza ukuthi kungenzeka lokuqala ngokukhokha iba loan mortgage kusukela Sberbank.

Kuzinhlangnao ngobukhulu zezimali kuleli zwe avunyelwe ibuyise ukubolekisa ngaphambilini izinkontileka phakathi nezinsuku. Ikhomishini yokuyikhokhela ayidingekile. Yenza imali akuvumelekile ngisho ngosuku ngemva kokuba anikezwe isikweletu. Duty main ivaliwe noma encishisiwe kanyekanye enikeziwe wokuhlengwa inzalo enqwabelene. Kubalulekile kuphela kungakadluli izinsuku ezimbili zokusebenza ukwazisa Bank ngokubhalwe phansi ngenani lamagama, futhi kungakanani ufuna ukubuyela ngaphambi kwesikhathi ebesibekiwe. Ngesisekelo lesi saziso, izisebenzi obhekene ozoqhuba operation ekuvuthweni. Kungenjalo, usuwenze imali imali ku-akhawunti akhethekile uzobe ukwesulwa ngokubuyela inani loan njalo ngenyanga ngokuhambisana ishejuli yenkokhelo.

Umbiko ku buyiselo zakuqala kwezimali loan Sihlelwe ngomumo futhi wasayinwa iklayenti mathupha ehhovisi ebhange.

loan yakho futhi bathembele ngempelasonto

abamukeli Abaningi womama dolobha abe nesithakazelo umbuzo wokuthi kungenzeka lokuqala ngokukhokha iba bengatshelekwa ku Savings Bank ngoMgqibelo? Ukusebenza ukubuyela izibopho loan izobanjelwa ngosuku olufanayo uma ehhovisi, okwakubekelwa ehlotshisiwe credit imisebenzi. Uma igatsha ivaliwe ngoMgqibelo, sokukhokhwa mortgage izobanjelwa e-phakathi nesonto olandelayo. NgeSonto, i-msebenzi kwenziwe ubhekene nenkinga yezimali.

Zikhona isikweleti sendlu entshisakalweni khulula

Ezinye amakhasimende abajwayele izimiso ikhadi lesikweletu, bazibuze ukuthi kungenzeka lokuqala ngokukhokha iba bengatshelekwa ku Savings Bank ngaphandle kwenzalo? Phela, "plastic" cishe njalo ukuthi usethe isikhathi somusa, okungaba kufikela kuzinsuku ezingu-50-60. Lapho credit ukubuyiswa kwemali ngokuphelele ngaphambi kokuphela isikhathi isithakazelo ingakhokhwa. Nokho, mortgage esinhle ayisethelwe. Ngisho noma ubuyisele loan ngosuku, kuyodingeka bakhokhe isithakazelo ekusetshenzisweni nsuku zonke wesikweletu imali.

Ofaka isicelo sesibonelelo

I Pension Fund futhi uvame ukuthola izicelo, kungakhathaliseki kungenzeka lokuqala ngokukhokha iba bengatshelekwa ku Savings Bank, usebenzisa inhlokodolobha womama.

Ngo-2016 ubukhulu isitifiketi umzali namanje ruble 453 026.

Ukusizakala selekelelo, abanezingane ezimbili noma ngaphezulu zidinga ukuba iqoqe iphakheji kwemibhalo eshiwo umthetho:

- identity ikhadi;

- SNILS;

- Inombolo ye-VAT,

- isitifiketi somshado (isehlukaniso);

- isitifiketi kusukela UMnyango wezeZindlu yombusi bahlanganisa amalungu omkhaya;

- izitifiketi zokuzalwa zonke izingane;

- isitifiketi sokuzalwa;

- notarized isibopho sabazali ukwaba isabelo izingane yokukhosela.

Ukucutshungulwa Pension Fund we Russian Federation umbuzo wokuthi kungenzeka lokuqala ngokukhokha iba mortgage ku Savings Bank yenhloko-dolobha umzali uqobo uthathe 1 inyanga. Emva kwalesi sikhathi, uma kungenjalo ephambene nomthetho, kuyoba isitifiketi ngomumo.

Okulandelayo, udinga ilungise imibhalo equkethe ulwazi mayelana nesivumelwano sokubolekwa yesibili:

1. umboleki iphasiphothi yase-futhi.
2. SNILS.
3. INN.
4. Nesivumelwano sokubolekwa (original noma ikhophi yaso eqinisekisiwe).
5. Isivumelwano Isifungo (mortgage) - original noma ikhophi kwasayinwa.
6. Isheduli yokukhokha.
7. Izitatimende mayelana akhawunti ukunyakaza (njengoba izimali loan engunyaza zawo abuyela yasebhange eqinisweni).
8. imininingwane yenkokhelo.

Lapho ziphekwe ngendlela efanele imibhalo ngenyanga eyodwa Pension Fund isuke inani isitifiketi ku-akhawunti ekhethekile ebhange.

Indlela yokulawula ukuphuma nokungena kwezimali

Lokhu kungenziwa inyanga eyodwa ngemuva ukuhanjiswa iphakethe amadokhumenti yesibili avele umuntu ehhovisi mortgage Savings Bank. Ocingweni, abasebenzi bangabi nelungelo ukunikeza ulwazi lwezimali, ngaphandle kokuthi kuvulwe igama ikhodi ngawe.

Nokho, zibelula ukulawula nokukhokhwa kwekhefu dolobha nge iKhabhinethi siqu e "Sberbank Online" uhlelo. Ukusebenzisa igama lomsebenzisi nephasiwedi, wena umkhondo ukugeleza imali ngokusebenzisa iyiphi ikhompuyutha exhunywe kwi-Inthanethi. Ngena ngemvume "Sberbank Online" kungenzeka ngokusebenzisa ATM, pos ezikhumulweni, kanye usebenzisa uhlelo lokusebenza lweselula.

Ukubona ukuthi inhlokodolobha kamama ifinyelele "uya khona", xhumana nomphathi wakho credit. Oku-hlola ukuthi ungakwazi lokuqala ngokukhokha iba i-Sberbank mortgage manje. Yiba ukulungele ukuya ehhovisi nokubhala isaziso.

Ngemva kokuhlinzwa isheduli yokukhokha recalculated - inani inkokhelo yanyanga zonke kuyehla kulingana.

Qala nge azikhohlwe ngokuphelele izono zethu?

Abazali abahlela maduze bazothola dolobha womama, ngokuvamile nesithakazelo ukuthi kungenzeka ngaphambi kwesikhathi sokukhokha imali ebolekiwe ku Savings Bank, futhi uthathe esisha. Ngokomthetho yimuphi umuntu angangena amaningi nezivumelwano zezikweletu. Kule umbono, ukuthola loan entsha, akusho ukuthi etholakalayo wokukucima.

Kodwa uboleka amasevisi asebhange, ehlaziya kungenzeka lokunikezelwa credit, alindele pay yakho. Okunqumayo ngesisekelo izitifiketi imali. Futhi acabangele ukuzibophezela ekhona. Izinga izikweletu umuntu ngamunye kumele abe ngendlela yekutsi kungaba ukukhokhela izikweletu zalo ngesikhathi, ngenkathi iqinisekisa ukuthi ukudla nokuzibamba-non-ukusebenza amalungu omndeni. Kukhona ezinye imikhiqizo credit, okumele ngempela liyombozwa eseduze noma iziqinisekiso.

Ukukhokha mortgage ekuseni, ungakwazi waphinda ukunikela ukukhululwa encumbrances Ezezindlu yasebhange eseduze sokubolekwayo entsha. On ukuphepha weemali ukunikeza ukubolekisa lula kakhulu futhi cishe.

Nokho, uma isikweletu sakho kuyinto mortgage, zinike isikhathi ayicime ngaphambi kwesikhathi, uma usola ukuthi imali ngokushesha kungase ukulungiselela mhla ludingeka futhi. isikweleti sendlu ngokuvamile eshibhe kugcinwe, ngezimali ngokuya kubo isikhathi eside. Mortgage senzalo kuyinto 11% ngonyaka. On umthengi credit luyanda izinga 14.9 ukuze 21,9% ngonyaka. On izikweletu zezindlu isikhathi esiphezulu ngezimali - iminyaka engu-30, ngokusho umthengi - iminyaka 5 kuphela ubudala. Thola kabusha credit on imigomo mortgage kungaba uma uthenga impahla entsha.

Imininingwane zabahamba

Imindeni kumele sokufaka, ayinandaba: kungenzeka lokuqala ngokukhokha iba loan kusuka Sberbank kwenye esifundeni? izinkokhelo yamanje loan kungaba kwenziwe njengenjwayelo. Kwanele ukudluliswa ngesikhathi esifanele lemali edingekayo inkontileka ecacisiwe akhawunti. Kodwa buyiselo zakuqala kusuka kwenye umboleki esifundeni uqobo ngeke bakwazi ukuqalisa ukusebenza. Phela, lo msebenzi, kumelwe nize ehhovisi ebhange, okuyinto eyenziwe loan kwezezindlu, ukungena ngemvume isaziso.

Ngokuqondene nalokhu abazali abazilungiselela abahambayo, kuba ezifanele umbuzo wokuthi kungenzeka ngaphambi kwesikhathi sokukhokha imali ebolekiwe ku Savings Bank of the amandla ommeli? Phela, lokhu kuncike, sizokwazi ukukhokhisa i othile kusuka izihlobo noma abangani izincwajana ukubuyela ukubolekisa ekhaya.

Kungani uye ku wokulungisa izivumelwano

Ukwengeza izimali ku-akhawunti ekhethekile eyayibekelwe ekuqongeleleni imali, amandla ommeli ayidingekile. Nokho, ukuze ukuthengiselana esidlule buyiselo zakuqala imalimboleko, kumelwe uphawule, esisayinwe umboleki noma yimuphi omunye umuntu ogunyazwe ukuthi enze egameni lomuntu wakhe.

Ilungelo ukumela iklayenti ebhange ogunyazwe ngu amandla ummeli olungisa izivumelwano lommeli. Ngo umbhalo wayo kumele kube umusho samanje, okusho ukuthi umngane wakho noma isihlobo ovunyelwe kwesikhathi angabuyisela ukuzinikela loan.

"Ikhadi imidlalo"

Ezinye amakhasimende nazo nesithakazelo umbuzo ukuthi Ukukhishwa izinhlelo mortgage ayatholakala kwi "plastic" futhi ukuthi kungenzeka ngaphambi kwesikhathi sokukhokha imali ebolekiwe ku Savings Bank credit card? isikweleti sendlu elinikezwayo kwezinye izimo, ngefomu non-cash. Kubandakanya ngokuvumelana ebhange, basuke esikhishwe amakhadi.

Nokho, mortgage akuyona uyasho ukuthi ikhadi lesikweletu. amakhadi Plastic nge imingcele eliphezulu loan iinkghonakalisi kuphela ukuba kukhokhwe zamanje umthengi imali. kubo maturities zabo zimfushane, zonke izibalo zalowo zenzeka kungakapheli unyaka owodwa. Nokho, Uma wenza kanjalo, baye bachitha ethile ngekhadi lesikweletu ukuze ukhokhele izindleko izindlu, kubalulekile ukuba ubuyele nemibandela umthengi credit.

Ngakho, kungenzeka lokuqala ngokukhokha iba mortgage ku Savings Bank capital womama? Yebo, uma ungaphansi kweminyaka umthetho anelungelo imali yoxhaso. Yazi amakhono akho futhi siwasebenzise.