Indlela ukukhetha-mboleko ebhankini, ukuba overpay

Okwangoku, iibhanki zinika uluhlu olubanzi iimveliso mboleko kuye ngenjongo, ubukho izibambiso, ixesha ukuqwalasela isicelo, imigaqo-mboleko, njalo-njalo Indlela ukukhetha imveliso kwaye hayi ukuba overpay kwimilinganiselo yenzala? Cinga mboleko ebhankini kunye neentlobo zayo.

Eyona lokubolekisa Umgaqo: i eliphezulu ubungozi-ndinyuka ematyaleni, i iphezulu ipesenti-mboleko. Imingcipheko ziquka ukulahleka umholo yi umboleki, umthombo wengeniso, ilahleko, ubusela, umonakalo ngummeli wowona ulungileyo, akukho ngummeli wowona ulungileyo, eboleka ixesha elide, ubudala okanye eselula kakhulu umboleki njalo njalo. Ngoko ke, ngaphambi kokuba umnike imali-mboleko ebhankini, ibhanki efuna ukunciphisa imingcipheko zabo efuna ingxelo yengeniso, ikopi yencwadi yomsebenzi, ukubhaliswa kwe isibambiso, ukubandakanyeka guarantors omnye okanye ngaphezulu, i-inshorensi yobomi kunye nempilo ye obolekayo (ingakumbi xa kukhutshwa mboleko ixesha elide), i-inshorensi akananto.

I-mboleko yebhanki eqhelekileyo - mboleko iimfuno zabathengi. Ikhutshwe ukwenzela ukuthenga izixhobo zombane zasekhaya, izinto zokwakha, elektroniki, imoto njalo njalo. Oku yahlulwe ekujoliswe and non-target. Ekujoliswe lokuthenga yenziwa kuphela ukuba kuthengwe imveliso okanye impahla ethile, umzekelo, imoto, indlu yokuhlala, ukulungiswa izindlu, imfundo. On target izinga lenzala mboleko ungaphantsi kwe kwi non-ekujoliswe, kuba iingozi ibhanki sinokutshintshwa kuncitshiswa kugqitywe wathenga okanye alungisa ipropati yakho njengesiqinisekiso.

Ukuba ufuna imali ukuze uqeqesho, sinikela ingqalelo umgca credit ezifana mboleko umfundi mali karhulumente (umyinge jikelele - 11.25%, apho umboleki uhlawula% 5,06 kuphela ixesha zokufunda ukuya ku-10) kunye ngaphandle mali (12 % APR iminyaka ukuya ku-11). Uluhlu iiyunivesithi inxaxheba kwiprogram ka zenkxaso- mboleko ngenxa yemfundo, evunywe yi-Ofisi yoMphathiswa weMfundo. kwenzala kwezemfundo ungaphantsi kakhulu kunezinye mboleko abathengi. Ukongeza, kukho ixesha ubabalo lokuhlawula lwenqununu kunye nenzala.

Bank imoto mboleko (imoto) yahlukile umsebenzisi target ukuba uthenge imoto ukuba ubhaliso yalo isibambiso imoto kukho unxibelelwano. Ukunciphisa imingcipheko zokulahleka izibambiso, iibhanki ifuna ukuba inshorensi imoto nje kuphela kwi-CTP, kodwa Hull. PTSD kwaye ikopi yesiqinisekiso sobhaliso imoto wathenga ihleli kwi ibhanki de intlawulo ngokupheleleyo kwetyala. Ukunciphisa oko ubungozi kweebhanki ikuvumela ukuba ukucwangcisa bathobe inzala kwimali ebiyiboleka imoto (ukusuka 14.5%). Ngokoluvo lwam, ukuba isithuthi esitsha zithengwa evela umthengisi ogunyazisiweyo, kufuneka ukhethe i mboleko yemoto, ilandelwe yi isibambiso. Izizathu: ehlise inzala kwimali-mboleko kunye namaxabiso ephantsi CASCO iimoto ezintsha. Kunyaka wokuqala ukusebenzisa isithuthi CASCO kufuneka uthenge kuphela ngenxa yokuba ukuba kuyimfuneko ngaseludinini; kodwa ngenxa ebuthongweni zoxolo kunye drive. Ukuba imoto zithengwa yesibini-ngesandla, umthengisi ummelwane okanye umhlobo, kufuneka ngokusesikweni umboleki imboleko ukuba uthenge imoto ngaphandle ubhaliso izibambiso. Umlinganiselo wenzala iya kuba engaphezulwana nje kancinane kune-mboleko imoto izibambiso. Phantsi mboleko ebhankini useka iimfuno kunyaka imodeli isithuthi: kufuneka ibe "hayi ngaphezulu kwe" minyaka 5-8 (nganye ibhange amagama abo amatyala, Ndibala le yeyona ixhaphakileyo). Emva ukuthenga ibhanki kuya kufuneka ukuba ubonise ukuba uthenge imoto, yaye musa ukuchitha imali into enye. Ungenise PTAs Bank kunye nesatifikethi sobhaliso isithuthi, abasebenzi ibhanki senze ikopi maxwebhu, originals ziya kubuyiselwa. Xa uthenga imoto, akaweli phantsi mfuno zilapha ngasentla, akukho nto iseleyo ngaphandle ukuba sisondele njani mboleko abathengi abaqhelekileyo okanye ikhredithi kwiimeko zeemfuno ezingxamisekileyo. Umlinganiselo wenzala kwimveliso mboleko i luqala ngo-17-18% ngonyaka ukuba waba ngummeli wowona ulungileyo.

Ethandwa, zizifikelele lula ezininzi abahlali eRashiya-mboleko ebhankini olubekwe yi izindlu (mortgage). Oku kungenxa yokuba amazinga enzala kubo azahlukanga kangaka ukusuka ekujoliswe mboleko abathengi (12% ngonyaka). Nokuthathelwa indawo anikwe ithuba elide, iimfuno ngokungqongqo lo yokuhlawula amatyala kunye nobudala mboleki. Njengoko kubonisiwe kwi-Arhente Mortgage nokuboleka (AHML), i-avareji baseRashiya ukwenza ngaphandle mortgage kangangeminyaka eli-17, lalizihlawula kangangeminyaka eli-10. Kodwa nokuvalwa Ekuqaleni egqithisileyo mboleko ukuba mkhulu kakhulu. iimeko kugcinwe lo mortgage: ubukho umsebenzi osisigxina, isibambiso kwipropati ezifunyenwe, ukuvavanya kunye inshorensi impahla, intlawulo yokuqala ka-10-15%.

Ukuba ufuna ukugcina kwi umdla ebhankini, kufuneka uthathe unonophelo yembali yakho yamatyala, imali ngexesha ngenxa iintlawulo zenyanga, zama ukwenza isicelo semali-mboleko enye okanye ezimbini iibhanki apho igama lebhanki letyala lakho aya kuyilwa. kubaboleki rhoqo kunye oluthembekileyo iibhanki zinika irhafu mboleko okukhethekileyo amagama inkululeko ngetyala. Qala imbali yakho lwamatyala uvula ikhadi lamatyala njengebhanki ethembekileyo ukuvula imiqathango yamatyala, kungekho ntlawulo ezifihlakeleyo. Ngokutsho kule mephu uyakwazi maxa wambi ukuhlawula izinto ezithengwa zangoku ze uhlawule ityala ngexesha preiod ubabalo, ngaphandle nokuhlawula inzala iintsuku ukuya ku-50. Ibanki ezininzi "ukunika" amakhadi ezamahala kunyaka wokuqala wenkonzo.

Enye tip abo bafuna ukonga imali-mboleko yebhanki - zama ukuba ubasuse ebhankini, nto leyo ikhadi wazitshintshela lomvuzo. Certificate of bank umvuzo kunye nencwadi yomsebenzi ngokuqinisekileyo akuyi kufuna kwaye zinika inzala preferential-mboleko ezininzi.