Inkqubo zokufumana-mboleko: amaxwebhu, elibekiweyo, iindleko

Lidla xa kungekho mali yokuthenga izindlu zabo, abantu uyithenge ngetyala. Inkqubo nokufumana mboleko ibandakanya ukuphunyezwa kunye nokugcina kweemeko ezithile yi-nye umnikimali nomamkelimali. Yiyo loo nto ngaphambi kokuba uye ebhankini, kufuneka ufunde onke nezo zenkqubo. Ngoko ke uphephe nobunzima yaye ngokukhawuleza ukufumana imali-mboleko.

Iimfuno amaziko zebhanki ukulungiselela mboleki

Ngaphambi kokuba kwiziko lamatyala, kufuneka kuqala ufumanise ukuba yokufumana-mboleko. Ukongeza, umntu umele aqonde ukuba mboleko ungala ngenxa yezizathu ezahlukeneyo. Yiyo loo nto kubalulekile ukwenza nangoko indawo evumayo yokusebenzisana kunye elunxwemeni, ezincina iimeko eqhelekileyo nokufumana mboleko. Cinga nje ezimbalwa:

• Ubukho mhlaba. Umboleki kufuneka ibe nomnini-mhlaba, ukuba ayinike besibini.
• Ukuba nokwenzeka ngokukhokhela igalelo lokuqala, imali leyo eyi-30% yexabiso ngasentla.
• kwemali zesixa sentlawulo yenyanga mayingabi ngaphezu 1/2 yomvuzo yomntu, ababeme mboleko.
• iimfuno zomthetho ukuze afumane imali-mboleko - inshorensi kuphela zokuhlala, kodwa ubomi.

Ixesha mboleko sokubambisa

Inkqubo nokufumana mboleko yahlukile kwezinye kwekota mboleko. Ubuncinane kunqabile ukuba kwiminyaka engaphezu kwama-3, kwaye ubuninzi ziya kukhutshwa 30, kwaye kwezinye iimeko ngokupheleleyo 50. iimfuno ezinjalo ukunqanda abantu abaninzi. Ngapha koko, bambalwa abantu bafuna njalo ixhomekeke elide mbutho zebhanki.

Ukwenza isicelo semali-mboleko mboleko

Kufuneka kuqatshelwe ukuba amaziko ezemali ukunyanzela neemfuno zabo kubaboleki kunye nezithintelo. Umzekelo, ukufumana imali mboleko yezindlu, kufuneka ube yokuhlala ngokusisigxina kunye nomsebenzi. Ukongeza, ubude iyonke yenkonzo umboleki kufuneka ngonyaka ubuncinane 1. Ukuba imbali samatyala umthengi iya kubhuqwa, ngoko ufumana mortgage akunakwenzeka. Yonke enye akamele abe ingxelo zolwaphulo, kunye nezinye mboleko ngaxeshanye. Ubudala ezibubuncinane mboleko - evela engama-21, kwaye ubuninzi - hayi ngaphezulu kwe 65-75 leminyaka ubudala ngexesha mortgage intlawulo.

Xa kugcwaliswa isicelo, ungakhankanya i co-kubaboleki, nto leyo ingenza abazalwana, amaqabane, abazali okanye abahlobo. Yindoda kwiminyaka 27 kuyimfuneko ukuba ibhanki i ID yasemkhosini. Ngaphandle kwalo, imali-mboleko, wokhanyelwa, nokuba unalo ukulibaziseka ngokunxulumene sifundo. Xa isicelo kukuba mboleko kumaziko zebhanki ezininzi kufuneka ufumanise iimfuno engaphezulu kubaboleki kunye nenkqubo ukufunyanwa kwe izindlu ezithengiswayo ngamnye kubo. Xa isicelo mboleko samkelwe, unako uqhubeke ukhetho yezindlu efanelekileyo. Kwezi ziganeko ebhankini Olahla iinyanga ezimbalwa.

Indlela yokufumana-mboleko?

Inkqubo kokufumana mboleko ngolu hlobo lulandelayo: isicelo sobhaliso, khangela impahla, imvume impahla, ibitheni. Ibhanki yenza isigqibo esifanelekileyo ukususela kumhla wokungeniswa onke amaxwebhu kwiziko lamatyala kwisithuba seentsuku zomsebenzi 5-10. Ngeli xesha, yena isiqinisekiso ulwazi kwaye imisela mali iphezulu mboleko ifumaneke sicelo. Emva kokuba ivunywe yi umthengi eya kukhetho kwilifa ngayo. Nangona ezinye yokuhlala pre-ekhethiweyo. Banking imibutho ezindlu anganyanzelisa iimfuno ezithile ekufuneka ithathelwe ingqalelo.

Xa umboleki ifumana khetho efanelekileyo, kwakuya kufuneka afumane umthengisi ikopi zonke izibambiso ukuba ibhanki ze enze uhlolo oluzimeleyo propati. Kule nkampani yovavanyo efanayo siqinisekiso kwiziko zemali. Emva kokungenisa amaxwebhu ukuya kwindlu ebhankini sele ucinga ngononophelo kwaye ukhangele ukuze uphephe iingozi zomthetho nezemali. Kuthatha iintsuku ezi-3 ukuya ku-7. Nangenkoliseko zonke izinto ngosuku elimisiweyo, amaqela kufuneka eze umbutho logcino nokuhlawulwa kwentengiselwano. Umboleki kufuneka kuphela ukuba atyikitye isivumelwano kunye nokufumana imali efunekayo ukuthenga indlu.

amaziko abolekisa ngokuqhelekileyo ukulawula ubalo olwenziwa ngemali ngokusebenzisa iseli logcino phakathi kwamaqela. Kule iphephile obekwe imali mboleko kunye Intlawulo yokuqala. Abakwazi zingafumaneka kude kugqitywe ukutshintshwa amalungelo obunini kwezindlu. Xa umthengi abe ngumnini entsha indlu and ufumane isiqinisekiso yakhe, umthengisi uya kukwazi ukutsala imali yabo esuka kwibhokisi ekhuselekileyo-idipozithi.

A mboleko yokuthenga iipropati zokuthengiswa

Inkqubo nokufumana mboleko phezu kwendlu, yesibini-ngesandla, zinezibonelelo yayo:

1. Emva kokuba wentengiselwano indlu ingasetyenziswa nangoko ukuba ahlale.
2. Thenga impahla zokuthengiswa kulula kakhulu, njengoko bethanda ukuba uboleke kule ingxenye ethile emarike amaziko zebhanki.
3. Indawo yokuhlala kungaba ukhethe kuyo nayiphi na indawo ekulungeleyo aze ndawo.
4. Iipropati enjalo aphela rhoqo ezakhiwe ngezinto zokwakha ezinamandla zokwakha, ngoko ubomi inkonzo ende kwaye uyakufezekisa zonke iimfuno.

Inkqubo nokufumana mboleko kwimarike zasesekondari namhlanje, abantu abaninzi abanomdla. Kudla iibhanki zinika abathengi iimeko ezithandwa sobhaliso mboleko yokuthenga le indlu. Eyona nto ibalulekileyo kukuba imali mboleko ayikho ngaphezulu kakhulu iindleko izindlu olukhethiweyo. Ngamanye amazwi, le mboleki kufuneka abe nakho ukuhlawula ngoko nangoko ukusuka 15-35% ukubaluleka kwalo.

Phakathi kwezinye izinto, akunakwenzeka ukufumana mortgage kwipropati leyo lingenako ukuhlangabezana neemfuno ebhankini. Umzekelo, imarike zasesekondari kufuneka ibe kwimeko elungileyo. Endlini indlu sadilizwa, mortgage angeke. Yiyo loo nto loo mboleki kuya kufuneka ukuba ahlawule elininzi ixesha ukufumana indawo yokuhlala efanelekileyo.

Ngawaphi amaxwebhu afunekayo ukuze-mboleko kwi-Savings Bank?

kuyimfuneko ukulungiselela phakheji amaxwebhu, nto leyo yamenza izibambiso zilandelayo ukuba imali-mboleko yokuthenga indlu kwi Savings Bank:

• passports;
• ingxelo imivuzo phantsi ifom 2-NGOBUCHULE;
• izatifiketi ezongezelelweyo: yokundwendwela, pension, ikhadi lokuzazisa emkhosini, iphepha-mvume lokuqhuba;
• irekhodi emisebenzi.

Endaweni NGOBUCHULE umboleki unelungelo lokuba angenise isatifikethi isampuli yebhanki. Ugcwalisa umqeshi wakhe, bazisa inkcazelo kwingeniso, ubude umsebenzi kwiinyanga zokugqibela ezintandathu nendlu. Ngokomthetho Asebenzisa ukuba ngobuwena enjalo, ukuba umbutho awukwazi ukunika idatha olusezantsi NGOBUCHULE-2. Kodwa yintoni amaxwebhu iyafuneka imali-mboleko kwi-Savings Bank, ngaphandle kwabo badweliswe? Iziko ngemali ukuqinisekisa iinkcukacha kukucela ukuba ukunika iphepha olongezelelweyo.

Indlela ukufumana imali-mboleko sokubambisa ngenkxaso karhulumente?

Mortgage ngenkxaso karhulumente yenzelwe ukunceda amaqela behlelelekile kunye abemi ephantsi imivuzo. Iinjongo Inkqubo - ukwandisa amandla okuthenga abantu nokukhuthaza ukwakhiwa iipropati ezintsha kuluntu. Nangona kunjalo, i-mboleko kunye norhulumente akavumeli nokuthengwa kumakhaya yesibini. Fumana imali credit iya kuba kuphela kwipropati kwi wakha izindlu nezakhiwo.

Ukuthatha inxaxheba kule projekthi zezi iibhanki ezininzi ezinkulu - "Discovery", "VTB 24", Sberbank, "Gazprombank" kunye nabanye. Kodwa ke kufuneka kuqondwe ukuba lo mba mortgage ngeke nje ababhekisi abathi intsebenziswano namaziko ezemali okanye ii-arhente zikarhulumente.

i imali-mboleko mboleko

Abantu abaninzi abazi ukuba iindleko nezivumelwano zokubambisa baya kulindeleka ukuba xa kuthe imvume mboleko. Oku kuziphatha kukhokelela kukuba kubaboleki ngokungachanekanga kubalwa iindleko ezipheleleyo indlu. Ngenxa yoko, ukuba unee ngxaki kwixesha elizayo ukuze uhlawule ityala lakho.

Xa uthenga ekhaya mboleko ukuhlawulela iinkonzo ezahlukeneyo ingahluka phakathi 3-10% yexabiso impahla. Ngokomzekelo, ezinye iibhanki ukuhlawulisa umrhumo iimviwo isicelo sephepha-mboleko. Ngaphezu koko, ukuba iziko zemali liyasilela ekwenzeni imali ehlawulwa umboleki ukuba abuyele imali lutshitshe.

Owona mbandela sobhaliso mboleko sokubambisa - uhlolo ayingaphandle zinto ezifunyanwa. Le nkqubo yenzelwa ukuqinisekisa isixa-mboleko. Amaninzi, iibhanki sele sokubambisana ezithile nomvandlakanywa. Ngoko ke, umxhasi akanyanzelekanga ukuba ufune neengcali. Noko ke, le nkonzo kufuneka ahlawule malunga 5-20 thous. Engange.

Wena uya kufuneka ifolokhwe ngenxa inshorensi. Phantsi komthetho ngoku, xa uthenga indlu kufuneka uzikhusele ilahleko impahla kunye nomonakalo. On top of iibhanki angala ukufumana imali-mboleko, ukuba ubolekayo akuthethi inshorensi itayitile indlu, kunye nobomi. Ngoko ke, inshorensi baya kuhlawula ekhulwini ezimbalwa yeendleko kwezindlu.

Kufuneka kukhunjulwe, yaye malunga neentlawulo ezongezelelweyo amaziko zemali; ngokuba ukuqasha yeseli, transfer wire okanye ukurhoxiswa mali. Ukuba kukho iingxaki kwintlawulo yetyala, ibhanki ziyabhatalisa izohlwayo kunye nenzala. Uyacetyiswa ukuba siphephe iimeko ezinjalo ukuze siphephe iingxaki.

isiphelo

Phambi kokuba uthathe imali-mboleko, cinga kakuhle zonke iziphumo ngesi sigqibo. Mhlawumbi ngoku lo mthwalo zemali ibiya kuba amandla, ke ngoko, kungcono ukuba ulinde umzuzwana ithuba ngakumbi. Kakade ke, ukubala zonke iindleko xa ukufumana mortgage nje ngqiqweni. Kodwa xa sukuba usenza mboleko kufuneka athathe ngokuyimfuneko ingqalelo mali usapho kunye imidlalo.