Umxhaso ku mortgage: imibhalo ikakhulukazi ezidingekayo kanye nezincomo

mortgage loan ngokuxhasa - athuthukile uhlelo kwezenhlalo, nesebenzela ngaphakathi kohlaka lomthetho Russian futhi okuhloswe ngazo ukuthuthukisa isimo abahlala ngaphansi kwaso emindenini ehlwempu kanye ezinkulu. Kubalulekile ukuqonda ukuthi ukufuna isizo yaloluhlelo yibo kuphela abayidinga ngempela. Kulesi sihloko, sizogxila onjani hlelo.

Umxhaso, mortgage, ukwesekwa uhulumeni - zonke lezi zenzakalo abayizakhamuzi ngokuya ezivamile isiRashiya, ngoba leli yithuba elihle lokuthuthukisa izimo zokuphila. Isimo kwaqala ukusebenza kohlelo ukusiza abantu abadinga usizo ukuthenga siqu square metres yabo.

Kubalulekile ukuqonda ukuthi izimali sandiswe ukuqaliswa kohlelo kusukela isabelomali sikahulumeni noma lesifunda. Ngakho-ke, yonke inqubo isicelo lilawulwa iziphathimandla ezifanele, kuhlanganise nalezo eyenziwa yokuqinisekisa loluphelele imibhalo okufakiwe.

Ekuhlaziyeni loans mortgage nge uxhaso

Iningi baseRussia baxazulule izinkinga zabo izindlu kanye lolu hlobo obolekisayo. Siyabonga ukwesekwa kahulumeni, ababoleka, okwenza out a mortgage Kungenzeka ufanelekele kube nezindleko eziphansi. It ungaboniswa njengasezinsukwini ongaphakeme senzalo kanye nani ukuthi idluliselwe akhawunti umboleki sika, enesibopho ukuchitha kuphela ukuba abuyisele izikweletu ekhona.

Uma kuziwa uxhaso kokuthola, imithetho yokuqala ukukhokhelwa kungenzeka walishintsha kancane ngokuzikhethela ukuphathwa kwesifunda. Uma kudingeka, ibhange unelungelo eligcwele owafuna imibhalo eyengeziwe noma ukusetha izimo ezengeziwe. Uxhaso on mortgages imikhaya abasha - ifomu evamile kuxhaswa kuhulumeni ngokuya lapho isimo eqala 40% yezindleko ingqikithi ukuthenga indawo noma indlu. Lolu hlelo isebenza kusuka 2012 kuze kube manje, kwakunabamemezeli ukusizakala izinkulungwane zezakhamuzi Russian.

Inani imixhaso

Nge ukuthuthukiswa kohlelo credit, izimo lula izinhlangano eziningi esengeziwe ukuthola imali-mboleko yendlu umthengi kanye mortgage ngokufaka wehlise izinga lenzalo. Kodwa eqinisweni kuvela ukuthi ukukhokha isikweletu kangaka akulula. Ngaphezu kwalokho, mortgages kukhona ukubolekisa eside, futhi akekho okwaziyo ukubala zonke ubunzima kakhulu ekuphileni. Ngakho-ke, usizo olunjalo njengesibopho soxhaso ukukhokhela sonke isikweletu sendlu, kuyinto onohlonze emindenini eminingi. Nokho, ukusebenzisa leli lungelo akufanele zonke.

Ubani niyithole uxhaso?

Ufaneleke somxhaso mortgage labo kuphela izakhamuzi abangafuni ukuzwa lesi sidingo. Izimfuneko ukhetho Uhlelo ngalunye isimo owakho. Abantu abangase ufaneleke izibonelelo zihlanganisa:

1. Imindeni nezingane eziningi.
2. Amasosha, kuhlanganise izakhamuzi obamba iqhaza ezingxabanweni.
3. Izakhamizi abanokukhubazeka.
4. imindeni Young abadinga usizo.
5. Abantu abaye zabhala akudingeki ezanele izimo zokuphila emphakathini.

ikakhulukazi labo etholwe

Kuye esifundeni usungula imithetho ethile yokuthola uxhaso ekukhokhweni izibopho ngaphansi mortgage. Nakuba umehluko omkhulu akufanele kube ngaphambi kokuthumela imibhalo, kutuswa ukucacisa izidingo ukuthola uxhaso. Ukuze uqale nge osonhlalakahle aphoqelelwe ukuba uhlole yonke imibhalo okufakiwe. Kubalulekile ukuphawula ukuthi i-mortgage uhlobo eqondile abolekise, + ngakho ukubambezeleka ngamunye ngaphansi kwezinkontileka ngaphambilini ngemvume kungenzeka zibulale isinqumo uxhaso. Kulokhu, idatha CI (umlando credit) siyayamukela ulwazi olujwayelekile.

Kanjani ukuze uthole isibonelelo bengatshelekwa?

ukwesekwa State, ukunikela ukuthola uxhaso, okuhloswe ngaso senkokhelo olungaphelele mortgage izikweletu. Lapho kuqhathaniswa ingqikithi izikweletu ke woMbuso ngokwezimali awubhekene ngisho nengxenye izindleko, kodwa Kufanele kwaziwe kodwa ukuthi noma yiluphi usizo kule ndaba enzima kakhulu ukunciphisa umthwalo izakhamuzi. Umxhaso ku mortgage ihlukile for Uhlelo ngalunye. Ngisho ngemva kokwamukela usizo isimo umboleki kumele uqhubeke ukufeza izibopho zayo ukukhokha loan kahle.

Ukuze uqhubeke ne ukubhaliswa izibonelelo, ofake isicelo has ukuza inhlangano yezimali bese isicelo olufanele. Okulandelayo, udinga ukuqoqa amaphepha adingekayo, okuyinto ngempela obonwa osonhlalakahle. Kubaluleke kakhulu ukuqinisekisa ukuthi zonke izitifiketi ziye ekhishwe ngokuhambisana nezidingo ezishiwo.

Yini imibhalo Kudingeka uqoqe?

Umxhaso ukuba abuyisele mortgage ikhishwa kuphela izakhamuzi abaswele. Ngakho-ke, ngaphambi kokuthi uqale usizo umboleki kumele ubufakazi. Uma uthi nhlá kungase kubonakale sengathi umklamo azodinga isikhathi esiningi nomzamo omkhulu. Kodwa ukuze mortgage uxhaso sivunyiwe, umboleki kudingeka ukuqoqa iqoqo ejwayelekile kwemibhalo okungukuthi ijwayelekile wonke umuntu wake ukuba ingenzele incwadi loan umthengi. Uhlu saziso kuhlanganisa lokhu okulandelayo:

1. Isicelo loan indlu namakhadi mxhaso.
2. iphasiphothi Russian.
3. SNILS.
4. INN.
5. Original futhi ikhophi sekhadi, uma yobudala womuntu eminyakeni engaphansi kwengu-27.
6. Imibhalo ephathelene ubuhlobo bomshado: isitifiketi esitokisini / isehlukaniso, ukubhalisa nezibopho.
7. isitifiketi Wengane lokuzalwa (ngemindeni nezingane).
8. Ikhophi eqinisekisiwe ncwadi umsebenzi umsebenzi.
9. Ulwazi mayelana isiqinisekiso imali ngesimo ebhange noma ezivamile 2-PIT.

Kubalulekile ukuthi uma kukhethwa ibhange, lapho kukhona kungenzeka ngokusebenzisa uxhaso ayacelwa ukuthola ulwazi mayelana zimfuneko ezengeziwe.

abatshelekayo umzali

Uma umbuzo imixhaso kuthinta a mortgage izindlu womkhaya osemncane, ke ifomu wokuqala wombuso aid ukunikeza dolobha womama. Ngaphansi kwalolu hlelo, ngemuva ukubonakala ingane yesibili, umndeni ngamunye uthola isitifiketi umndeni. Ukusetshenziswa Its kuhloswe ukuba kuxazulule izinkinga ezithile, ngakho ukuthola imali akunakwenzeka, lolu hlobo ukwesekwa kungabuye chasiselwe uxhaso izingane. Nokuthathelwa kungaba siyocinywa dolobha kwabakhulelwe, kunalokho ubonelela yokukhokha ngokwengxenye imalimboleko nezezindlu.

izincomo

Nokho, uma une abangane ezisanda kuklanywa selekelelo loan mortgage. Abakwazi ukutshela ezinye umehluko wemisindo nemiqondo yamagama ukuthi kuzosiza uthole impendulo omuhle evela kuziphathimandla ezifanele futhi ukusizakala okuvela kuhulumeni. Njengoba yaziwa, bangakunaki isabelomali izimali wenziwa khona ngaphansi control esiqinile. Umxhaso ku mortgage ngeke ikhishwe ngaphandle ukuqinisekiswa idokhumenti ngayinye okufakiwe. Abafaka izicelo kumele ngokucacile ukuhlangabezana nezidingo zohlelo, lapho mortgage ikhishwa. Vula selekelelo - Esinye isici esibalulekile lolu hlobo yesibonelelo sikahulumeni. Akubona bonke izakhamuzi abalungele usizo uzothola ke, ukuqoqa amaphepha adingekayo. Minyaka yonke ethile zabelwe ukushabalala mortgage. Ngezinye izikhathi selekelelo kudingeka alinde ngaphezu konyaka owodwa.

Kufinyeta amathiphu amaningi enikeza izakhamuzi asebethole usizo olunjalo kusuka kuhulumeni, singaqokomisa ezinye ethandwa kakhulu:

1. Kubalulekile ukubala ngamandla abo zezimali ukugwema izimo ezingalindelekile nokuntengantenga ikakhulukazi ukuvela izibopho izikweletu esikhathini esizayo. Umxhaso ku mortgage ukuba abuyisele ingxenye yesikweletu. Imikhaya eminingi abasha, egcwele intshiseko, ukwenza leli phutha. Kamuva kuvela ukuthi imikhaya eminingi neze ngokwenyama isilungele yezizathu ezihlukahlukene, ngokuhambisana nemithethonqubo wezimali, ukwenza izinkokhelo zenyanga ku lemali edingekayo.
2. I umncane eside loan isetshenziswa, ukuqiniseka xaxa ungakwazi ukunqoba at ngokuphelele yimuphi yasebhange.
3. Uma kukhona ithuba uyazisa kokuthola imali eyengeziwe, kufanele nakanjani ukuyisebenzisa. Ngokwesibonelo, uma ilungu elilodwa lomkhaya Rents zezinye izindlu futhi ithola imali lokhu, kungenzeka ukunikeza isivumelwano sokuqasha sangena phakathi umninindlu futhi eyisakhamuzi.

isiphetho

Kubalulekile ukukhumbula ukuthi ekuphetheni inkontileka ngokuphelele yimuphi yasebhange engozini, ngisho noma ngumuntu onganikezwa mortgage esetshenziswa ukuba abuyisele ingxenye yesikweletu. Yenqaba yokubhalisa ikani kanye ababoleka ezingaba, okuyiwona wombuso aid ngoba omunye izinhlelo sivunyiwe. Ngaphezu kwalokho, bonke abangahle bahlomule imalimboleko ukuthenga izindlu kufanele uqaphele lapho ekhetha isikhungo credit. Kungcono uxhumane amabhange yahlolwa okubuyayo ukwanda phakathi amakhasimende eRussia.