Ukunqatshwa umshwalense emva yokuboleka le mali: base, izizathu kanye imibhalo

Njalo bengena loan, umboleki ebhekene isidingo ukuthenga umshwalense, kodwa ngezinye izikhathi akuyona into eyodwa. IBhange njengoba isikhungo credit ufuna ukunciphisa izingozi zawo, futhi lo muntu obolekayo engafuni overpay ngoba ezingadingekile kuye umusa. Zama ukuthola ukuthi lapho okumele insured futhi indlela yokwenza ukwenqaba umshwalense ngemva kokuba anikezwe isikweletu.

Kuyini umshwalense nokuthi ubani odinga it

Ukukhetha kusukela ezihlongozwayo imali ebolekiswayo ebhange izipesheli, umboleki uzama bazikhethele ukhetho best: Kulula esithakazelweni yonyaka kanye izinkokhelo zenyanga. Futhi ngokuvamile kakhulu wadida ucela ke kungani ebhange umsebenzi ngakho bephikelela uzama "ukuvikela" zikuthola izimo umshwalense ezahlukene? Kungani abaphathi credit njalo belulekwa ukubeka isheke ebhokisini "Ngiyavuma oVikelwe," ukubikezela ngenye basabele kahle ebhange? Yiqiniso, lesi sivumelwano sisho ngokucacile ukuthi umboleki siphoqelekile ukuthola umshwalense, kodwa empeleni ...

Womshuwalense ...

Ngakho, umshwalense - ingenye izinhlelo yasebhange, lapho uzama ukuzivikela kungenzeka non-buyiselo wesikweletu. Namuhla, umshwalense - isicelo zonke izinhlobo imali esikhishwa izikhungo zezimali. Lapho iklayenti ihlangabezana izinkinga zezimali, ingasakwazi ukukhokhela credit lwabo ngoba iqala ukuba enze lo msebenzi inkampani yomshuwalense.

Yini amacala - umshwalense

Umshwalense icushiwe phezu okuvela izimo obonwa umshwalense:

• okuvela nesimo lapho umboleki ilahlekelwa ikhono lawo ukusebenza futhi ithola iqembu ukukhubazeka (II noma III);
• umboleki ilahlekelwa emsebenzini wakhe akayena ngokusuka kubo (ukuxoshwa);
• ke engasakwazi ukufeza izibopho zayo ngenxa izinhlekelele zemvelo ziye zenzeka (isib, izinhlekelele zemvelo);
• ukufa umboleki.

Inani ukuthi kumele akhokhele umshwalense iphesenti loan (uthishanhloko) kanye kungenxa kungafaneleki njalo pereplachivaniya abantu abaningi ozama ukuwufeza uyaphika umshwalense ngemva kokuba anikezwe isikweletu. Phela, inani lemali cishe lezinkokhelo ke kuyehluka ku ezahlukene 25-30%. Umshwalense sengezwe lokukhokha ngamunye nyanga zonke kwasakazwa ngokulinganayo kuyo yonke eside loan.

Yiqiniso, lapho ukhuluma ngezici ezinhle umshuwalense abakhona, kodwa hhayi kuzo zonke izimo okuvela umcimbi insured, futhi ngenxa yalokho, izinkokhelo isinxephezelo. Ngokwesibonelo, uma lo muntu obolekayo emva ukubhalisa udumo isiqala ukushintsha isimo sezimali ngenjongo yokubi (wayeka umsebenzi wakhe futhi ngeke akwazi ukukhokha izikweletu) kufanele, ngokushesha ngangokunokwenzeka ukuze ikhange inkampani yomshuwalense, isitatimende ngakho. Lusuku lekutawentiwa ngalo kumele azise umshwalense yabo, ebekiwe inkontileka, kodwa ngokuvamile abazi idlule izinsuku 3.

Indlela ukunciphisa yokukhokha umshwalense

Uma lo muntu obolekayo enqabe oVikelwe, ezimweni eziningi, ngeke ulinde ukwenqaba ebhange. Lokhu kungenxa sekungavumi ebhange lilahlekelwa yimali yalo. Kodwa, uma namanje baye bavumela umboleki ukuthi ukuthathelwa umshuwalense ngokwabo, zikhona eziningana imibuzo ezosiza ukunciphisa yokukhokha:

1. Uma loan ukuba ibuyiswe ngesikhathi esifushane, kuyakushiswa futhi inciphise inani umshwalense? Yebo. Futhi kuyindlela enenzuzo kakhulu ezokwenza ukukhulisa imali kwi umshwalense.
2. Buyela uma imali yomshuwalense uthenge uma umcimbi insured lwenzeke? Impendulo yalo mbuzo kuphela isivumelwano sesikweletu futhi kuvikelwe endaweni yinkathi kungenziwa. Kodwa lo muntu obolekayo hlalani nilungele, ukuthi umshwalense uzokwenza konke okusemandleni akhe ukuze sigweme ukuba lokhu kwenzeke.
3. Yini esongela ukwenqaba umshwalense uma imalimboleko sesivele sivunyelwe: inhlawulo noma izinguquko nesivumelwano sokubolekwa? Kukhona izimpendulo ezimbili kungenzeka. Okokuqala, ibhange ngaphambi kwesikhathi, sibophezela umboleki ukubuyela credit wakhe imali kungakapheli amasonto amabili futhi ngesikhathi esifanayo ukuze alikhokhe eyayifunwa inkontileka. Okwesibili, ibhange awafuni buyiselo zakuqala, kunalokho, ngizolivusa amaphuzu ambalwa isithakazelo wonyaka ukuboleka. Ngokwazi iphesenti yonyaka ngabe lenyuke, ngokuvumelana nesivumelwano sokubolekwa, futhi esimweni ngasinye ngabanye. Ngakho, ibhange uzama bazivikele ngangokunokwenzeka kusukela ababoleka abenza ukuthi ukwenqaba umshwalense ngemva kokuba anikezwe isikweletu.

Nejoka umboleki noma isivumelwano yokuzithandela?

Ezimweni lapho yomshuwalense bangase kube impoqo, kungasiko:

1. Lapho ukubolekisa ngemali mortgage: ngokuya nge-Athikili 31 zoMthetho Federal "Ngo Mortgage" uthenge umboleki izindlu is eyisibambiso ebhange futhi, ngokuhambisana nemibandela yesivumelwano, uyakuba necala umshwalense.
2. Ngu izinhlobo ekhishwe yasebhange imikhiqizo credit. Lapho impahla zitholwa umboleki ifakwe ebhange, ngaphansi imigomo yesivumelwano (isib imoto). Kulokhu, isibopho umboleki sika lusetshenziswa ngendlela umshwalense imoto umonakalo noma ukulahlekelwa.
3. Ukwenza iyiphi loan umthengi, ibhange unelungelo lokuthathwa njengomsulwa sizokwenza lo muntu obolekayo ukuthenga nomshuwalense wezempilo noma ukuphila, okungukuthi, zonke izindlela ukuze bazivikele ukuze ukusebenza ngendlela efanele imisebenzi yayo engaphansi inkontileka.

By the way, zoMthetho Federal "Ngo umthengi credit" ejabulisa ezintsha. Ngakho, uma wenza loan ebhange ephikelela ukuthenga umshwalense umboleki, ezifana nokuphila ke lo muntu obolekayo ungakwazi manje ungavumelani. Ngokomthetho, lolu hlobo umshwalense ayidingekile. Kulokhu ebhange aphoqelelwe ukunikela umboleki esinye isixazululo: ukuthola loan ne yokubhaliswa umshwalense noma wamukele loan ngaphandle umshwalense, kodwa ngaphansi kwezimo ezifanayo (isib senzalo ngaphezulu). Futhi, ibhange ubophekile ukunikela umboleki akhethe inkampani yomshuwalense ngokwayo, kodwa uhlu ezithile.

Indlela ukuxazulula le nkinga esikhathini "Savings Bank"

Ukukhipha isinqumo - ukuthi uphuma kanjani umshuwalense ku loan ngemuva kokuthola - amabhange azibonayo ehlukile. Ngakho, ukubuyisela umshwalense imali umthengi in the "Savings Bank", kukhona 2 izindlela:

1. Uma kwezinsuku ezingu-30 kusukela ngosuku isiphelo sesimiso inkontileka, umboleki iya egatsheni yasebhange lapho wenza imali-mboleko. Ngaphezu kwalokho, ezinefomu isicelo imali engasetshenziswanga umshwalense izimali egameni ikhanda lika division ebhaliwe. Lapha, inani lomshuwalense uzobe imali ngokugcwele.
2. Uma usuku kulotshiwe isicelo efanayo ukusayina isidlulile izinsuku ezingaphezu kwezingu-30. Kodwa inani elizobuyiselwa kuyoba 50% inani umshwalense.

Buyela umshwalense on mortgages kanye loans imoto ngangokunokwenzeka, usebenzisa amacebo afanayo sokubolekwayo umthengi. Kodwa kukhona caveat: uma imalimboleko ukuthi abuyiselwe ngaphambi kwesikhathi ebesibekiwe, kanye umshwalense ikhokhwe yonke eside loan, ke ngeke ukwenza waiver of umshwalense ngemva kokuba anikezwe isikweletu. "Sberbank" ngeke libuye.

Bank "Setelem"

Buyela premium umshwalense ku "Setelem" -Bank kungenzeka, kodwa lapha okubalulekile yilokhu inqubomgomo yathengwa. Uma inqubomgomo kwaba ukuthenga impilo yabo, zingakapheli izinsuku ezingu-21 kusukela inkontileka ukusayina usuku ukuza ehhovisi ngomshuwalense futhi ugcwalise isampula-non-umshwalense ngemva kokuba anikezwe isikweletu. Umshwalense zizobuyiselwa ukuba lo muntu obolekayo sokukhokha imali ebolekiwe.

Uma umshwalense esibanzi (umshwalense impahla ekulimaleni plus amalungelo ukukhubazeka kanye nempahla, plus umshuwalense wezempilo) sikhishwe, kuzoba nzima. Umshwalense e "Setelem" yasebhange LLC IC "Savings Bank Umshwalense wempilo." Futhi Kulokhu, kuzobe sekwenziwa isinqumo "Savings Bank" ngemva kokwehluleka kwe-umboleki ukubhala umshuwalense ngemva kokuba anikezwe isikweletu. "Setelem" ukubuyisela umshwalense akusho bakwazi ukusiza.

Bank "ICD"

Buyelani nomshuwalense ithengwa "ICB" cishe kungenakwenzeka. Kufanele ufunde inkontileka izikhathi eziningana, ukuze ngingasebenzisi kufanele alahlekelwe yimali.

Ngokwesibonelo, umboleki ukusebenzisa ibhange yomthengi ukutusa inani ruble ayizigidi 350. umphathi Credit ngamazwi wachaza ukuthi imfuneko ekutholeni credit - kungcono yokubhaliswa umshwalense (ngokumelene nokulahlekelwa umsebenzi plus yizingozi, ukugula, kanye nokufa). Ngaphansi inkontileka, lemali ungakwazi abuyisele ngaphambi kwesikhathi ebesibekiwe, kubuye okungenani 50% lemali umshwalense. Izimo ezinjalo wenza umboleki, futhi wasayina inkontileka, kodwa iqiniso liwukuthi akayikhokhi Ngokutadisha ngokucophelela. Isamba, okwakubekelwa ibalwa isithakazelo yonyaka zaba ruble 500,000. Ngemva kwezinyanga eziyisithupha umboleki lokuqala ngokukhokha iba loan futhi wabhala isitatimende mayelana nokukhokhwa mali yakhe ubuningi oVikelwe. Kodwa esikhundleni othenjisiwe ruble 75,000 (umshwalense zaba 150 000), azibalayo 9000 kuphela.

Kusukela ukuqonda, umboleki maduze ukuthola iqiniso: ekutadisheni inattention kwamlahlekisela isivumelwano sesikweletu izinqubomgomo umshwalense ukuthenga 4 izinkampani zomshuwalense ethandwa, emibili enye inkampani. Ngokujoyina iqembu Imali yomshuwalense inani ruble 60 000 is hhayi wabuya nhlobo ngaphansi kwanoma yiziphi izimo. Naphezu ukwenqaba ebhaliwe umshwalense ngemva loan, "ICD" awuzange ubuyise noma iyiphi imali eningi ukuze lo muntu obolekayo.

Bank "Renaissance"

Bank "Renaissance" ivumela ababoleka yayo ukuyeka umshwalense izikhathi ezimbili.

1. Ngemva ukusayina inkontileka zingakapheli izinsuku 5, umboleki ayakuphuma ukwenqaba umshwalense ngemva kokuba anikezwe isikweletu. "Renaissance" ebhange izobuyisa premium umshwalense. Uma ubhala isitatimende kamuva, inkampani yomshuwalense kuyosebenza Art. 958 we Code Civil we Russian Federation, sephule inkontileka bese ubuyela imali.
2. Ukuthola imali ngaphambi kwesikhathi, uyabuya umshwalense ukuze lo muntu obolekayo kuphela ethile umshuwalense, okuyilawa, "umshwalense unelungelo lokuthola ingxenye premium umshwalense, esekelwe ngesikhathi lapho isenzo inkontileka umshwalense."

A amazwi ambalwa esiphethweni

Isinqumo yini noma cha ukuba oVikelwe, umboleki amukela, kodwa ngisho nalapho ungumuntu omuhle njalo kungenzeka ukukhipha ukulahlwa umshwalense ngemva kokuba anikezwe isikweletu.

Futhi elinye icebiso. Umboleki bayalingana sokubuyiselwa imali yomshuwalense amakhophi amabili, futhi zidinga ukuba nabasebenzi inkampani yomshuwalense noma amasheke wanyathela nenombolo ye-serial kanye nelanga otlole ngalo ikhophi yakho. Ngezinye izikhathi imibhalo elahleka impahla ...