Indlela ukuthenga indlu, ukuba akukho mali, intsapho mfana?

Amaninzi, iintsapho abaselula kufuneka ukuba azule kwigumbi encinane, okanye abahlala nabazali babo, nto leyo esisizathu sokuba inani baqhawule umtshato liyenyuka. On a izindlu eyahlukileyo izibini ezininzi abagcina kuphela, kodwa izindlu zabo - oku ngokusengqiqweni phupha izuzwe! Indlela ukuthenga indlu, ukuba akukho mali? Nantso ke ingxaki, kwaye ziza kuqwalaselwa kweli nqaku.

Isigaba ukulungiselela zokuhlala imveliso

Ukuze baphupha kwigumbi kufuneka ulungise, oko kukuthi, ukupeyinta amaphupha abo iinjongo kunye neenjongo. Kwaye ngoko ke kufuneka ukuba uphendule le mibuzo ilandelayo.

• Le ndlu iya kuthengwa ukuba imali okanye uthathe imali-mboleko? Ukuba for Imali, wenza uluhlu abantu abenza ngayo umdla ngokuzala amatyala, okanye ngaphandle kwabo, kwaye ahlale kangakanani. Ukuba uthathe imali-mboleko, iibhanki kufuneka ukuba babhalise (igama, iinkcukacha zoqhagamshelwano kunye mortgage ngezinga term).
• Ziziphi ndawo ufuna ukuthenga ikhaya? Zingaphi amagumbi ziya kuba indlu? Yintoni kufunwa emva ndawo?
• imali engakanani ufuna ukuba izindlu kule ndawo efunekayo? Ngokomzekelo, ukuba ufuna ukuthenga indawo-okulala 1, ngoko ngendlela ethile indawo prozvanivatsya kuzo zonke zentengiso, ekucaciseni umgaqo-nkqubo namaxabiso.
• Ndinokuphathana njani ngoxolo ingeniso engaphezulu? ixesha elingakanani ukufumana imali efunekayo?

Esi sigaba ihlala nje usapho abatsha abayi kufumana mortgage okanye ukuthenga indlu. Ngoko ke, kungathatha iminyaka embalwa okanye iinyanga ezimbalwa. Kodwa kufuneka sibe rhoqo uyazi! Oko kukuthi, iibhanki iintshukumo ezahlukeneyo ezinokuthi bangenele usapho kunye ingeniso 15-20,000 engange ngenyanga ngaphandle guarantors.

Okanye ukuhlangabezana indlu apho abanini ukuya ngokukhawuleza ukuze baphile phesheya ukuthengisa yokuhlala elite kunye ngefanitshala idenariyo. Kodwa ukuze 'nethamsanqa ngomsila ", kufuneka rhoqo kubiza yonke imizi egcina imali, abahlobo kunye iintengiso zabucala.

Indlela ukuthenga indlu, ukuba akukho imali-mboleko?

iibhanki abaninzi musa ukuvumela iintsapho abaselula ngenxa umvuzo yabo. Hi xikombiso, ku Sberbank iimfuno engqongqo mortgage; ngokuba usapho lwabantu 3 ingeniso kufuneka kungabikho ngaphantsi kwe-45 amawaka engange, guarantors amabini ingeniso ngokulinganayo kunye nokungabikho ngetyala kwaye oluninzi amaxwebhu reference.

Kulo mzekelo, ukuthenga njani yokuhlala ngaphandle mali? Ukufuna banks, apho isabelo izakhiwo ezitsha (kwi kwezibonda zasesekondari ephakamile kwaye kufunwe umbodamo), xa kusapho olunengeniso ngenyanga ka-20 amawaka engange uyakwazi ukufumana mortgage kangangeminyaka eli-15 ne-12 ekhulwini ngaphandle guarantors ngokuthatha iphakheji isezantsi yamaxwebhu (isiqinisekiso yengeniso yerhafu yengeniso ukuze kweenyanga ezintandathu, iikopi yokundwendwela, ingxelo yakho yengqesho kunye idiploma nemfundo). Oku kubangelwa yinto yokuba iibhanki musa ukuthatha ngexesha leli phulo ingqalelo iindleko zosapho, uze ukhangele kuphela imbuyekezo.

Sithatha sokubambisa, apho ukufumana imali imali?

Mortgage - le yindlela engundoqo ukuthenga indlu, ukuba akukho mali. Kuba intlawulo phantsi kufuneka ubuncinane i-10% yeendleko kwezindlu. Okwangoku, kukho iinkampani ukwakha izakhiwo ukusuka 950.000 engange. Emva koko, ngomhla intlawulo yokuqala ngokwaneleyo ukuba ukucofa engange 95 000.

Esi sixa zitsalelwa ngemali ngokwayo. Umzekelo, izibonelelo ukukhulelwa kunye lokubeleka ikhefu unakho ukwenza zesixa sentlawulo phantsi. Ukuba usapho ilindele umntwana wabo wesibini, oko unako ukufumana eyinkunzi kubeleka ngenxa apho ukunciphisa izinga yemali.

Xa siye sagqiba phezu esandleni yebhanki phezu amaxwebhu ulinde izigqibo zolawulo. Emva kokufumana imali kangangeenyanga eziliqela (3-6) ngcembe kuqokelela amaxwebhu ukuba indlu kwipropati, oko baya kucebisa iingcali ezahlukeneyo evela kwinkampani-esimakhi elunxwemeni lomlambo.

Ngoko ke, ukuze siqinisekise ukuba iphupha lakho yinyaniso, kufuneka wenze isicwangciso samanyathelo, zalishumi zonke izigqibo, kwaye uye kujoliswe, ngaphandle kokucima, ukufumana amathuba amatsha! Kuphela kulo mzekelo, lo mbuzo: "Indlela ukuthenga indlu, ukuba akukho mali, nje embalwa?" - musa ndikubeke ekupheleni efile.