Intlawulo yokuqala mortgage Sberbank iimeko, ncomo, umyalelo. Nenjenje na intlawulo yokuqala mboleko kwi-Savings Bank kunokwenzeka?

nzima mihla ukuthenga indlu ngemali. Kungenxa yesi sizathu ukuba abaninzi kufuneka uqhagamshelane ebhankeni mboleko mboleko. Ingaba kukho inzuzo, nendlela ngaphambi kwexesha ukuvala umsebenzi wabo?

Housing mortgage

Na ukuba ndiyiphathe mboleko indlu? Ngapha koko, oku umthwalo onzima luphezu kwamagxa berhafu. Oku kungenxa yokuba banomdla eliphezulu kakhulu kwaye kaninzi ngaphezu kwezi ndleko sezibhaliwe indlu. Liyinyaniso elokuba, ukhetho nje alwenzeki ebantwini. Oku kuphela ukhetho ekuvumela ukuba uthenge kumakhaya abo. Abaninzi ahlawule elo mboleko ngokukhawuleza, bahlawule imali eninzi. Ukucutha bona ezintweni zonke, nje ngaphambi kwexesha ivalwe phantsi ityala layo. Umbuzo ngowokuba: ingaba ukwenza intlawulo yokuqala mortgage? Savings Bank inika ezahlukeneyo iimeko ekufuneka ukuba zithathelwe ingqalelo iinkcukacha.

ngokoMthetho mortgage Common

ezigqithisileyo enkulu mortgage yakho hit ngamandla kwi wallet. Ngoko ke, abaninzi bacinga ngayo intlawulo yokuqala ubuncinane ngokuyinxenye. Eyona ezisemqoka - eli umdla phantsi isivumelwano, ukukhula kwamaxabiso kunye ngeranti ukuhla echaphazela umthamo iintlawulo.

Nenzuzo ibhanki ukufumana iintlawulo zenyanga. Ingakumbi inzuzo iza kule minyaka yokuqala xa kuhlawulelwa kuphela umdla kwi-mboleko. yemali mboleko iqalisa kubuyekezwa kuphela kwikota phakathi. Ukuba intlawulo ngexesha mboleko mortgage ngokuzenzekelayo ivaliwe ngosuku lokugqibela lwentlawulo.

Ngaba ukuba kunokwenzeka intlawulo yokuqala mortgage? Sberbank abanye abathengi komvuzo ophezulu kwaye sizinzile, uya kudibana. Kulo mzekelo, uvunyelwe ukuhlawula ityala yokubhatala umohluko. Ngenxa yoko, imali yenyanga imali-mboleko yahlulwe alinganayo. Le pesenti iye ibalwe ngemali eseleyo kwityala lakho. Kubonakala ukuba le mali kuhlala ingatshintshanga. Ukutshintsha kuphela inzala zibalwe ngokutsha nyanga nganye. Ngoko ke, ahlawule imali-mboleko yakho ekuqaleni akukho nzima. Nangona kukho caveat: intlawulo yonke impahla ziya kuba isanda. Ngenxa yesi sizathu, ibhanki sihlolisisa ngenyameko indlela yokuhlawula amatyala ye client. Ukufumaneka uzinzo mali luza kuvumela ukwenza intlawulo yokuqala epheleleyo-mboleko kwi-Savings Bank ngaphambi kwishedyuli.

Iindlela uhlawule yokuqala nezivumelwano zokubambisa

Nayiphi na ibhanki iya kuba nxamnye wekhadi. Ngapha koko, izicwangciso zabo ziquka emininzi iminyaka ukuze afumane umvuzo wenyanga ukususela mboleko. Amaxesha amaninzi oku yeyona nto iphambili yengeniso ibhanki yakhe. Ngoko ke, ekuqaleni ubalo oko kukuthi engeluncedo lwanto, ngokuba ulahlekelwa esikhulu isixa kwenzala kwekhontrakthi. Ukuthintela ngaphambi ukuvala ityala akunakwenzeka. Ngokutsho Code Civil, nawuphi na ummi phantsi imali ekhoyo ebhankini Ungavala ityala phambi kwishedyuli. Ukuba basebenzise amalungelo abo, umxhamli kufuneka baziswe kwangaphambili ebhankini kunye nabasebenzi bayo malunga sigqibo. Amaxesha amaninzi lo gama iintsuku ezingama-30 okanye ngaphezulu. Kokuba imisiwe ebhankini ekupheleni kwekhontrakthi yemali. ingxelo enyanzelekileyo ebhaliweyo, esicacisa isizathu nowenziwa intlawulo yokuqala mboleko.

Sberbank kule ngxelo ngakumbi ocela ulwazi. Ezi ziquka igama isebe, nto leyo eye wakhupha mboleko sokubambisa, ulwazi malunga umxhasi ngokuvumelana lemibuzo, inombolo yayo yomnxeba kunye nendawo yokuhlala ye PostScript. Kufuneka ukhankanye inani lo sivumelwano. Isicelo ngokwayo ibhalwe kwifom simahla, apho umthengi leMfundo licela ukuba isixa intlawulo yokuqala ye-mboleko kwi-Savings Bank. Terms of ibhanki yokuba kuphela emva kokusayina isibhengezo nokuhlawulwa kwamatyala uya kumisa umhla yokwenza imali efunekayo kwi-akhawunti umthengi. Emva koko, ityala mboleko ebhankini kucingwa ukuba zivalwe. Ukuba wenza intlawulo yokuqala kwenxenye ye-mboleko kwi-Savings Bank, eli candelo yezinye schedule sentlawulo. Ke ngoko ukuba sityikitywe ngumxhasi kunye ummeli yebhanki.

Ingaba kukho naziphi na izithintelo uhlawule ngokukhawuleza?

Nayiphi na ibhanki ubeka iimeko ezithile ukwenzela intlawulo yetyala kwi-mboleko. Kubalulekile ke ngoko, phambi kokuba uye yebhanki kulo mba, ukuba baqonde indlela yokubhatala elo njengetyala. Kukho iindidi ezimbini zeentlawulo: ngokwahlukeneyo yaye ngokwenene. Kwimeko yokuqala sithetha iintlawulo zenyanga, nto leyo ekugqibeleni bunciphe. Kwimeko yesibini, isixa sentlawulo yenyanga ngaphezulu kobomi le efanayo. Ngoko ke, ekuqaleni inzala ihlawulwe, kodwa ukususela kwixesha eliphakathi - yena-mboleko ityala.

Amaninzi, ibhanki isebenza kumgaqo asilolokwenyani, ngoko ukuze intlawulo yokuqala ye-mboleko kwi-Savings Bank uneempawu zawo:

1. Imeko wokuqala kumda lokunikwa isixa esithile. Yena angena yombane. Imali Ubuncinane yi-15 000 engange.
2. Imeko yesibini ifuna umxhamli ebhankini imini phambi kokuba intlawulo engundoqo. Evumela umthengi ukubala izakhono zabo zemali kwaye ukuhlela zonke iintlawulo kwangethuba.
3. Ingongoma ebalulekileyo olufike intlawulo. Yenzeka lonke emva kokuba ukubhala isicelo kwaye oko kwenze ukuba libe umsebenzi ebhankini. Unako ukwenza intlawulo yemali, okanye ngokusebenzisa i-Savings terminal ezifakwe ebhankini.
4. Ngoko, emva kokwenza mali ofunekayo, umthengi uhlawula intlawulo rhoqo elikhankanyiweyo kwishedyuli mboleko. Emva kokuhlawula intlawulo elandelayo umphathi ibhanki linyanzelekile ukuba ukunika ishedyuli sentlawulo entsha. Kufuneka lusithathele ingqalelo imali kwi-akhawunti, ebonisa ukuba intlawulo yokuqala kwenxenye ye-mboleko.

Sberbank inikeza ukhetho lwe intanethi, nto leyo ukuthetha.

nokuhlawulwa kwamatyala intanethi

Olu khetho ikufanele abo ngenxa yeemeko uxakeke kakhulu. Ngoko ke, ukuba awukwazi ukufumana ixesha lokwenza intlawulo yokuqala ye-mboleko kwi-Savings Bank. Iimeko apha zilula kakhulu. Kufuneka uye kwiwebhusayithi esemthethweni ye-Savings Bank. Kukho wokubala ezizodwa, apho zonke iinkcukacha eziyimfuneko umthengi ifakiwe. Ngenxa kule nkonzo, oko kuyenzeka kwixesha elifutshane ukuhlawula yonke okanye inxalenye mboleko yemali. Xa sithetha ngalo yesibini ukhetho, umphathi ebhankini ngoko ithumela umxhasi ucwangciso sentlawulo entsha.

kwemali kwangoko nezivumelwano zokubambisa

kumntu ngamnye uvumelekile ukuba enze intlawulo yokuqala mboleko. Savings Bank kunika ithuba lokuba phambili uhlawule ityala layo. Njengoko kubonisiwe ngentla apha, kuba oko neemeko ezahlukeneyo kunye namathuba. konke kuxhomekeke kudidi lwe mboleko. Kungenxa yoko le nto kubalulekile, phambi kokuba uqukumbela isivumelwano sokubambisa, ukuze yazi nge zonke iimeko ezifundiswayo. Kulo naliphi na isebe le-Savings Bank iya kukwazisa ukuba kukho iindlela ezahlukeneyo ukulungiselela intlawulo yokuqala mboleko. Xa isicelo loMthengi, uyakwazi ukwenza izibalo phezu data lowu, uze uzobe i ishedyuli preliminary kweentlawulo. Kungcono ukucacisa imeko phambi kokuba usayine amaxwebhu mboleko yemali.

Nokuba ngaba kwemali ekuqaleni ematyaleni indlu?

Ukuba ubuzifihla ukuba uhlawula ngexesha, kubalulekile ukuqwalasela ukuba okanye hayi ukucima ngaphambi kwexesha mboleko mboleko. Abo ke iintlawulo zenyanga ezingenxa yakhe akuloxanduva, kuyimfuneko ukuba alinde. Ngapha koko, kuba intlawulo yokuqala kuya kufuneka ukuba uqokelele isixa esifunekayo, yaye ngoko ukuyishwabanisa ngokwayo lwabiwo-mali. Ngokwahlukileyo koko, xa mortgage ngumzamo, kubalulekile ukujonga iindlela ukuphucula ubomi babo; ngaphambi kwexesha ukuvala ityala okanye ukunciphisa imali yentlawulo yi wokuvala kwenxenye ityala.

Imibono abathengi bank

Xa sihlalutya le meko, ngoko ke intlawulo yokuqala ye-mboleko kwi-Savings Bank ezahlukahlukeneyo neempendulo. Abanye ezifana sinamazinga inzala kwimali-mboleko. Noko ke, loo nto ukufumana abo ikhadi lomvuzo. Ukongeza, ezi abathengi lula ucime ezi iintlawulo zenyanga. Nezinye iimfuneko wacaphuka engqongqo kakhulu kubaboleki. Kakade ke, kukho kujonge izinto ezithile mortgage ukubolekisa kwi Savings Bank ukuyikhulula bokuqala ngaye. Noko ke, ibhanki unika amagama kuFeliks. Ubonelela iinketho ezahlukeneyo ukuvalwa yokuqala ityala yemali. It avumelane yenza uyaphuma waya kubahlangabeza, nto leyo ibaluleke kakhulu, ngokutsho kubaxumi Savings Bank.