Ukubuyiswa kwemali Sakudala mortgage: izimo, imibhalo

Uma unquma lokuqala ngokukhokha iba loan, kudingeka uzijwayeze yonke imininingwane yesivumelwano. Amabhange ezingenanzuzo befuna imbuyiselo okuqala e-mortgage. Ngakho-ke, basuke imibhalo ebekiwe izingqinamba.

inhliziyo

Early buyiselo imalimboleko wukuthi loan ikhokhelwa ngaphambi kwesikhathi ebesibekiwe. Kuthiwa ibe ephelele uma ikhasimende kwenza lonke inani ngesikhathi esisodwa. Kwengxenye buyiselo zakuqala ka abatshelekayo kusho ukwanda izinkokhelo zenyanga ezikhathini 2-3 (kuncike inkontileka). Esimeni sesibili, kanye nokungawuvivinyi ngokwanele kule sheduli izikweletu izinguquko lokuqala ngokukhokha iba.

izikimu

Ikhono ukukhokha izikweletu ngaphambi kwesikhathi incike ohlelweni credit: kukhona annuity noma izinkokhelo umahluko. Uma izikweletu ikhokhelwa imali ilingane ngaso sonke isikhathi, neminyaka embalwa yokuqala, cishe yonke imali iya ukuba isifundazwe sikhokhele isithakazelo. Ngakho ibhange yenze inzuzo eningi futhi unciphise izingozi.

Okuningi sisihle ikhasimende kuyinto uhlelo izinkokhelo umahluko. Inkokhelo yokuqala kuyoba esikhulu kakhulu, njengoba aqukethe loan futhi inzalo enqwabelene esele. Njengoba inani buyiselo uzobe kancane kancane.

Inzuzo okweletayo

Ezikhanga kakhulu ngoba ikhasimende kuyinto wesifunda umehluko. NgoLwesine kutholakale isidumbu sendoda loan futhi isithakazelo zikhokhelwa ezingxenyeni alinganayo. Akunandaba ukuthi bangaki iminyaka (3, 5 noma 10) okweletayo ufuna ukuvala loan. Ngeke kudingeke ukuba umane wenze lemali esele.

Esikhathini isikimu annuity ingaphansi izinzuzo. Neminyaka embalwa yokuqala, cishe yonke imali iya ukuba isifundazwe sikhokhele isithakazelo. Ngesikhathi iklayenti ozonquma ukuvala izikweletu, uye ikhokhwe kakade lo msebenzi, ukuthi ukwethulwa lemali esele kanye ibhajethi umndeni nawo angeke kukusindise esonweni.

Kweleti namanje alinge buyiselo zakuqala ka abatshelekayo (Sberbank, isibonelo), isikhungo wesikweletu recalculate. Ngaphezu kwalokho, kukhona phakathi kwezinto ezimbili:

• amakhasimende ukugcina eside yasekuqaleni imalimboleko, kodwa ngeke wehlise izinkokhelo zenyanga;
• encishisiwe isikhathi yesivumelwano, kanye nenani izinkokhelo izohlala ingashintshiwe.

mortgage ukubuyiswa kwemali wokubala zingatholakala ngasiphi lesikhungo credit. Yisebenzise ukubala inani silinganisiwe inkokhelo, futhi uqhathanise udumo izikimu ezimbili. Kodwa ukubala kungaba kwenziwe ngokuzimela.

Ngokwesibonelo

Iklayenti ufuna ukuhlela mortgage ruble 1 million. isikhathi iminyaka engu-20 (izinyanga 240.) ngesikhathi 12% ngonyaka. Okokuqala, ukuchaza ubukhulu inkokhelo yanyanga zonke kanye nenzalo.

Ngokusho kohlelo umahluko:

1000: 240 = 4, ama-ruble ayizigidi 166 .. - umzimba imalimboleko.

Isithakazelo ukubala kwenziwa ngokuvele azalane ibhalansi inani lenzalo yonyaka futhi sokuhlukanisa value ezingu-12:

1000 0.12 x 12 = 10 eziyinkulungwane. Deda. - inani isithakazelo.

Ngakho, inani inkokhelo standard nyangazonke ukuba:

4166 + 10 000 = 14,166 ayizinkulungwane. Deda.

Ngokusho kohlelo annuity:

1000 x (0.01 + (0.01: ^{(1 + 0.01) 240 -1)} ) = 11 011 ayizinkulungwane deda.. - inani ukukhokhelwa impesheni, lapho:

• 0.01 = 1:12;
• 240 - empeleni isibalo sezinyanga abonge.

Ukuze uqhathanise, thina kubalwe kuso ingxenye inzalo lokukhokhela isitolimende sokuqala:

1000 0.12 x 12 = 10 eziyinkulungwane. Deda.

E. Of 11 ayizinkulungwane 011. Deda. Ngenyanga yokuqala ruble 1011 kuphela. It iyonikezwa sokukhokhwa loan, kanti bonke abanye - inzalo.

Ngemva kweminyaka engu-10, ikhasimende uzokhokha ebhange: 11.011 x 120 = 1321 ayizinkulungwane 32 ruble ..

Ngokusebenzisa isikhathi efanayo isikimu umahluko ikhasimende uzokhokha ngenyanga:

4,166 + (1000 - (4.166 x 120)) ka 0.12 x 12 = 9.167 ayizinkulungwane deda..

ukubuyiswa kwemali Sakudala mortgage, okuyinto esetshenziswa uhlelo izinkokhelo umahluko, inzuzo kuphela engxenyeni yokuqala yesivumelwano. Nge ukwehla, ingxenye enkulu isithakazelo ngabe ikhokhwe eminyakeni, inani lokukhokha.

umehluko wemisindo nemiqondo yamagama

Njengoba umkhuba ubonisa, uma lo muntu obolekayo ulindele lokuqala ngokukhokha iba mortgage, akufanele nje ukukhetha ilungelo uhlelo kangcono, kodwa futhi zangisiza ekwenzeni semali ngenyanga.

Inzuzo akuyona kuphela uma imali ukuthi lo muntu obolekayo izosebenzisa loan okwamanje angalihlambalaza ukubuyiselwa ephakeme by imali, isibonelo, imali noma impahla kwamanye. Umnikelo kungaba yinzuzo kakhulu uma eside loan engu-25 noma ngaphezulu, kusukela inkokhelo yanyanga zonke uzokwehla kancane.

Inqubo ngokwenza imali

Ngemva umboleki enquma ukubuyiswa kwemali yokuqala yaleli mortgage ku Savings Bank, kubalulekile ukunquma endleleni yokwenza imali. Kungcono akhokhe tranches ngenyanga ngezinga eliphakeme kakhulu kunangesikhathi izikhathi senza izikhathi ezimbili noma ezintathu lemali. Kodwa, okokuqala, ikhasimende kungenzeka kungahlali ukuze ube nengxenye kangaka. Okwesibili, amabhange ngokwabo abahlinzeke izingqinamba. Ngokwesibonelo, ake sithathe ukuhlengwa kuphela ekuseni ngosuku ukudonsa, zidinga pre-kusebenza ushintsho schema. Uma lo muntu obolekayo abese eshintsha umqondo wakhe, kuyodingeka ukuba ngikhokhe inhlawulo. Ngakho-ke, ikhambi lo mbuzo kuxhomeke ekutheni ikhasimende ufuna ngenyanga ukubhala isicelo, iya ebhange ngoba isimiso esisha okufanele ukhathazeke ngakho kuba nezindleko ezivela singalindele nokunye. D.

Ukubuyisela imali abatshelekayo dolobha komama

Umthetho uhlinzekela ukusetshenziswa matkapitala ukuthenga noma ukwakhiwa ingcebo. Izimali kungenziwa wachitha ukukhokha phansi ukukhokhelwa uthishanhloko noma inzalo. Ukuze lo muntu obolekayo iyona ezingezinhle kakhulu uhlelo lokuqala. Okokuqala, akuzona zonke yasebhange kuthatha matkapital njengenhlangano kusengaphambili, futhi okwesibili, lenzalo ukwanda ku izinhlelo ezinjalo. Kwakuvamise ukuba uma iklayenti ayikwazi ngokuzimela ukwenza inkokhelo phansi, bese kuba ezikweletini noma ayini. Namuhla, amabhange sizivumelanise, kodwa ngaphezu kwalokho ukuthathelwa umshuwalense izingozi ezithile.

Ngokuvamile izimali zomphakathi wakhokhela lemali oluvelele. Dlulisela imali ku-akhawunti kwezinhloso zenzuzo kunengqondo, uma yomkhokhi akahleli angabuyisela phambili boleko schedule. Kulokhu, kubalulekile ngezithukuthuku matkapitala pay myalo, ekunciphiseni zinyanga zonke.

Ibhange udinga ukunikeza amadokhumende alandelayo sokukhokhwa mortgage:

• iphasiphothi;
• isitifiketi matkapitala;
• isitatimende enkokhelweni loan.

umsebenzi ebhange izokhipha isitifiketi, equkethe ulwazi mayelana lemali esele ezikweletini isithakazelo, ubufakazi bobunikazi.

Isikhwama kumele anikeze imvume yayo ukuba abuyisele inhlokodolobha komama mortgage. Ukuze wenze lokhu, kumele siqoqe siphinde amadokhumenti ezifana:

• iphasiphothi lomuntu unelungelo lokuthola izimali zomphakathi;
• isitifiketi;
• Imibhalo eqinisekisa isibopho sokukhokha imali ebolekiwe: mortgage inkontileka futhi isitifiketi ebhange;
• isitifiketi ubunikazi efulethini, inkontileka ukudayiswa;
• isitatimende ku PF isifiso umboleki sika ukwedlulisela izimali ukukhokha imalimboleko;
• namanye amadokhumenti ku-funa.

PF Iphoyisa kufanele sikhiphe irisidi imibhalo futhi kuphawulwe ukwamukelwa kwakhe kuze kube manje. Phakathi nenyanga ngeke anqume ukukhokhelwa kwezimali ebhange noma udoti.

umshwalense

Okudingeka Uhlelo umshwalense mortgage kuwumsebenzi nanoma yisiphi isakhiwo, futhi ngezinye izikhathi kokubili. Ngemva kokuvalwa loan ngaphambi kwesikhathi iklayenti unelungelo ukuba zitshele isinxephezelo yezindleko amasevisi. Inkontileka umshwalense ungaqedwa futhi ngaphambi kwesikhathi ebesibekiwe efulethini (uma kungeyena ephambene nemigomo abolekise), wuliswa ezinkulu. Khona-ke inkokhelo nyangazonke zingancishiswa ngokushintsha inani umshwalense.

refinancing

Iklayenti angasebenza kwenye asebhange, ukuvuselela a mortgage: ukushintsha ukubala indlela, uhlelo eside, isilinganiso kanye nezinye izimo. Ukushintsha umbolekisi akusho ukususwa encumbrances. Le ndlu bazosala isibambiso, kodwa ngesinye isikhungo. Naphezu bokwenza sobala (iqoqo isethi entsha kwemibhalo, sokuvuselela yesivumelwano, imali engaphezulu), le ndlela kuyafaneleka, uma iklayenti ufisa ukushintsha isikimu enkokhelweni loan ikhange nakakhulu.