Eyona eziphambili ezibangela ukungaphumeleli mortgage Sberbank

Ukuthenga indlu ngaphandle mortgage akakwazi bonke abemi belizwe lethu. Ingakumbi ukuba lo mbandela emzini enkulu. Kule meko kuyimfuneko ukuba isicelo kwiibhanki. iziko ngalinye yeentengo zemboleko enika imiqathango yalo yingisela. ukunikezwa zokwazisa une Sberbank.

inkqubo yobhaliso ye-mortgage nto inzima kakhulu. Ngokufuthi, isicelo yaliwe. Izizathu ukwalela-mboleko kwi-Savings Bank inokuba nomahluko. Amaxesha amaninzi, oku kwenzeka ngenxa yomvuzo asanelanga, imbali embi ngetyala kwaye ukungathobeli.

Izizathu zokusilela

Asinguye wonke umntu uyazi ukuba ukuvuma indlela mortgage kwi Savings Bank. Izizathu zokusilela ifumaneka emva kokuba isigqibo ebhankini. Oku kuthatha ingqalelo imo yomtshato, ingeniso, imbali samatyala client, kwakunye nezinye izinto ezininzi. Kubalulekile ukuba xa umntu unalo impahla enokusetyenziswa njengesiqinisekiso sentlawulo. Ukuba ngaba unawo nawaphi na amathandabuzo malunga mboleki, kufuneka evinjwe-mboleko kwi-Savings Bank.

Kwakutheni ukuze kwenzeke oku, ibhanki akanyanzelekanga ukuba ingxelo. Oku wowe Art. 821 of the Code Civil, njengoko apho otyalwayo angala ukujongana neemeko ezithile. Kodwa abathengi kufuneka ukwazi izizathu sokwala mortgage Sberbank. Ngapha koko, oko unefuthe amanyathelo anokuthathwa.

Iimfuneko ababoleka imali

siyazi njani kutheni Sberbank wakhanyela-mboleko? Ukuze wenze oku, umele uqonde iimfuno kubaboleki:

• Age. Xa ufaka isicelo umntu abe neminyaka engaphezu kwama-21, yaye ngelo xesha intlawulo yokugqibela akangekhe kwiminyaka engaphezu kwama-75.
• Income. Kufuneka ibe ligosa kunye esisigxina. Kuba ubhaliso kufuna umsebenzi ophezulu ohlawulayo.
• Akukho lezomthetho. Kungenjalo, ezi abathengi abayi akhuphe mortgage. Ithuba kancinane kwenzeka kukuba, xa ukuqiniseka enemiqathango.

Iibhanki ukuba ezinye iimfuno kubaboleki. Umzekelo, kufuneka unikeze uluhlu lwamaxwebhu afunekayo. Kumaziko ezininzi, isalathiso 2-NGOBUCHULE ithathwa linegunya, kodwa kuba awukwazi ukunika yonke into.

-Ukungathobeli

iziko ngalinye yenza ineemfuno zayo kubaboleki. Izizathu ukwalela-mboleko kwi-Savings Bank kuhlawulwa kulo. Kusenokwenzeka nokuba kufuneka ukuba kwindawo enye ukususela kwiinyanga ezi-6. Ngamanye amaxesha ufuna ixesha lilonke ayikho konyaka ngaphantsi kwe-1.

Kuphela xa ukuthotyelwa nazo zonke iimfuno, ungenza isicelo mboleko. Kuphela ngoko unokulindela sigqibo.

amatyala

Ixabiso Property liphezulu ngokwaneleyo, ngoko ke umxhasi kufuneka ingeniso elungileyo imali-mboleko. I-avareji Imali kweli lizwe kunyaka ngamnye yi ezahlukeneyo, kodwa ngoku malunga 35 amawaka engange. Kwezinye iingingqi, kusenokuba ngaphezulu okanye ngaphantsi.

Sberbank okwabangela yokuhlawula amatyala ka kubaboleki. iintlawulo zokubambisa wobuninzi kufuneka ingadluli-30% yengeniso abantu abasebenza entsatsheni. Ukusuka ibanjwe iindleko zokuphila abantu abakhubazekileyo. Ukuba ingeniso okungalungelaniyo umbundu efunekayo, nokwalelwa kwe-mboleko. ebangela ngo-2016, Sberbank uye nezahlulo ezifanayo ziyafana kwiminyaka edlulileyo.

Oku mazilungiswe ngokwandisa isixa Isavenge sokuqala, ongowona-20%. Okuya uba mkhulu umsantsa imali, kokukhona kuya kufuneka ukuba uzihlawule nyanga nganye. Ngenxa yoko, kwanciphisa ubungakanani kweentlawulo ukuya kwinqanaba ezinqwenelekayo ngenxa impendulo ezakhayo ebhankini.

imbali credit

Ukuba ukwala phezu mortgage, Savings Bank ukuze ukwazisa malunga izizathu zeso sigqibo. Iiplastiki yembali yakho yamatyala. Ukuba abathengi bahlawula mboleko ngexesha, kusenokwenzeka ukuba ukuvuma-mboleko. Ekuqwalaseleni isicelo sithabathela ingqalelo zonke bokuqonda. Izizathu zokusilela ziquka:

• Alibazise ngeentlawulo-mboleko ezinikwa naliphi na iziko lemali. Ukuba akukho ntlawulo ngexesha kubume mnye, ngokufuthi neminye imibutho akwavuma ekufumaneni-mboleko.
• Asanda uqhoqhonywe mboleko ezincinane. Umzekelo, mboleko on the phone. Oku kunokubangela amathandabuzo yokuhlawula amatyala lo mboleki.

, Kuyimfuneko ukuhlawula iimali-mboleko zangoku ngendlela ngexesha ukutshintsha imbali ngetyala. Mhlawumbi kwixesha elizayo siya amalungiselelo-mboleko.

imiqulu

Izizathu ukwalela-mboleko kwi-Savings Bank esinxulunyaniswa amaxwebhu ezingafanelekanga okanye babhala. Lonke ulwazi othe wasiwa yibhanki xa isicelo lukhangelwe. Ukuba Wafumana inkcazelo engachanekanga, umxhasi akayi kunika-mboleko. Xa ufaka isicelo, iimbekiselo ukuba ukujonga, khangela ukuba iimpazamo, usula.

Amadoda kufuneka ethwele ID wamajoni, nekufuneka kunikwa indlela yezizathu deferment emkhosini. Ukuba sele uqhele ukuba uthenge ngetyala amaxwebhu kwaphunyezwa, umntu unako ukufumana bangcoliswa amagama. Ke akukho kwiziko lemali akakwazi akhuphe mboleko. Oku kusebenza kuzo zonke amaxwebhu.

Amatyala kwi irhafu kunye nezithuthi zamapolisa

Kutheni landula mortgage? ebangela Savings ayikwazi ucacise, kodwa abathengi kufuneka ulumkele ukuba oku kwenzeka ngenxa yetyala ukuya amapolisa ezendlela okanye irhafu.

Ngoko ke, kufuneka uhlawule izohlwayo kunye iminikelo eseleyo. Khangela ukufumaneka kwaye wenze imali ekhoyo kunye ngeenkonzo ezahlukeneyo - iziza ezizodwa, iinkqubo intlawulo, ezinjengeetheminali kunye ATM. Ukuba akukho tyala, ungenza isicelo semali-mboleko.

isimo sempilo

Kutheni Sberbank Wakhanyela abaxhasi mortgage zemivuzo? Oku kube ngenxa zokungathotyelwa okanye ukungabikho yengeniso. Maxa wambi ukungaphumeleli kungenxa imeko yezempilo. Ngokuqhelekileyo musa ukuvumela ukuba ndenze mortgage kubafazi abakhulelweyo nabo babacukucezela ixesha elide esibhedlele. Musa amalungiselelo mortgage sisigulo okanye ukukhubazeka.

ukuba amatyala impahla real

Ezisisibambiso thaca iimfuneko ezininzi. amatyala Low, kakhulu, iba ngunobangela yokusilela ekufumaneni mortgages. ixabiso Property ikhutshwa phandle ziingcali. I-Bank kufuneka uqinisekise ukuba mortgage ziya kuhlawulwa. Kwimeko ukungahlawulwa kwezithobekileyo real abethengise ngayo, kwaye iinkqubo ziya kuhlawula ityala.

Izindlu ezithengiswayo ezi mfuno zilandelayo:

• indawo yento kummandla kwamasebe;
• Year of zokwakha - ngaphambi kwe-1965;
• uhlobo lwento - nezindlu;
• ukungabikho encumbrances, kwamatyala, utshintsho mthethweni.

Ngokuqhelekileyo iibhanki musa ukunika mboleko amagumbi barentayo zoluntu kunye zokulala. kungavela izinto zifumaneka kwimimandla ekwanti ubunzima. Sberbank angala ukukhupha nezivumelwano zokubambisa ngenxa ukungafani yobume yemfundo, uhlobo ahloniphekayo lomsebenzi esiyingozi.

Kufuneka wenze ntoni xa ukungaphumeleli?

Nangona ukungaphumeleli ithathwa zingambi ukuba umthengi, kodwa ungaphelelwa lithemba. Kudla Savings Bank iyawuhlola isicelo yaye, ke ngoko, kwixesha elizayo, ukuze enze isigqibo esifanelekileyo. Kwaye ukuze uphephe ukungaphumeleli, kufuneka asuse ityala layo. Umzekelo, isicelo nomsebenzi ohlawulayo okanye ukufumana into ngexabiso elifanelekileyo.

Ukuba izizathu zokwala kwimbali ngetyala, kuyimfuneko ukuba balungise oko. Yena iya kubhuqwa, hayi nje kuphela ngenxa intlawulo ezilibazisekileyo-mboleko, kodwa ngenxa yeziphoso zobugcisa kunye nokusilela ingqalelo abasebenzi yebhanki. Ukulungisa impazamo, kufuneka uqhagamshelane neziko zemali ngesicelo esisiso. Ukuba umxhasi ayihlawuli mali-mboleko ngexesha, ngoko ufanele ukukwenza oko ngendlela ngexesha ukulungisa le meko. Wena ke kwakhona angenise isicelo.

Ungafumana ipropati entsha. Injongo kufuneka ilingane iimfuno ebhankini. Kufuneka Makukhunjulwe ukuba amaziko zemali lula ukubonelela mboleko ezinkulu ukuthenga indawo-igcinwe kakuhle kwe-mboleko ezincinane ukwenzela ukuthenga indlu lali.

Ngamanye amaxesha kubaboleki basebenzisa mboleko zobuqu yokuthenga izindlu. Nangona imali kunokunganeli, kodwa uya kuhlawula inxalenye enkulu kulo ixabiso le nto. Sokubhalisa kubaboleki yomboleki yeentengo zemboleko kufuneka ukunika kancinci lwamaxwebhu xa kuthelekiswa ne-mboleko.

Ungenza isicelo kwezinye kwiibhanki. kumbutho ngamnye amabango abo kubathengi. Ukuba umntu ndingungantweni, omnye ube sigqibo.

Ukuba iibhanki musa akhuphe nezivumelwano zokubambisa ngenxa yomvuzo ophantsi, Nobolekayo unelungelo ukuvusa izikhuselo ezongezelelekileyo, ezifana isimemo co-kubaboleki okanye guarantors. Owokuqala ayikwazi izalamane abasenyongweni kuphela, yaye okwesibini - abantu abazizityebi. Umthengi ungakwazi ukuhlawula isavenge sokuqala enkulu okanye anike ezinye aseti eziphathekayo besibini. Ke ngokutsha isigqibo kunokwenzeka.

credit wabathengi

Abaninzi babuyelayo ngetyala brokers, abanika uncedo ekufumaneni-mboleko. Kodwa khumbula ukuba lo msebenzi kuya kufuneka ahlawule umsebenzi.

Iinkonzo labarhwebi ugqibelele ukuba:

• abemi abangenako nexesha lokufumba amaxwebhu, inzaliseko ezinye nomthetho;
• kubaboleki abafumene sokwala ukunikezela mboleko kwimibutho eliqela.

Ukuba la macebiso musa ukunceda, ngoko ke kufuneka ukuba ukhumbule ukuba mboleko zenziwa amanye amalungu entsapho. Mhlawumbi umntu ofanelekayo phantsi iimfuno ebhankini. Kuba uninzi nezivumelwano zokubambisa inika ithuba elikhethekileyo yokuthenga izindlu zabo, ngoko ke kuyimfuneko ukuba babhalise kakuhle. Akukho mfuneko lithemba xa ukungaphumeleli, ngenxa yokuba kwixesha elizayo, mhlawumbi, uya kuthabatha ngetyala.