Inzala yemali mboleko ingancitshiswa!

Okwangoku, iiprogram ezibolekileyo zokubolekisa zi: mboleko mboleko, umthengi, umboleko wempahla kunye nenjongo. Abantu abangaphantsi kancinane bafaka isicelo semboleko kwimfundo yabantwana, unyango lwamazinyo, ukulungiswa, izindlu, ukuhamba kwamanye amazwe kunye nezinye iinjongo ezizodwa.

Kulolu hlobo lweentlobo zemali-mboleko lubeka isabelo salo somyinge, ubuncinane kunye nenani eliphezulu elixhomekeke kumaninzi amaninzi kwinkqubo yebhanki. Ukuba ixesha elithile ukulibala malunga neentlobo zemali-mboleko , ngoko sinokuthi kwimimiselo yanamhlanje umyinge womyinge wemali mboleko uhluka: ukususela kwi-7 ukuya kwi-40%.

Ikhredithi yabathengi

Kunikezelwe ukuthengwa kwefenitshala kunye nezixhobo, kunye nokuhlawula iinkonzo zomntu. Inokukhishwa kwi-yesebe yasebhanki nakwi-store yefenitshala okanye kwizixhobo zokusebenza, ukuba zineengcali eziqeqeshiwe ukuba zibhalise isicelo sakho. Imboleko mboleko yabathengi iyabiza xa uthatha imali eninzi-isantya se-29%. Ngenxa yokuba ixesha leemali-mboleko lincinci (ngokubanzi ukuya kwiminyaka emi-5), iintlawulo ziya kuba ngama-ruble ayi-13 000, kunye nokuhlawulwa ngaphezulu-i-ruble ezingama-280 000. Ukufikelela kuma-ruble ama-500 000. Unokuthatha i-15-18% (ukuhlawula - i-ruble ye-12 000, i-ruble 220 000). Kodwa ngexesha elifanayo, ukuba ufuna ukuhlawulwa ngaphantsi (umyinge wesigxina kumalimboleko ngu-14%), kungcono ukunika ibhanki leyo ebizwa ngokuba yintengo yemboleko, leyo ingaba yisibambiso sepropati okanye i-guarantors.

Imali yeMali

10,5-24% - anjalo amazinga angaphezulu kwezinga lentengo kwimboleko yemoto. Ngelo xesha, kwiiprogram zokuthenga iimoto ezitsha zamanye amazwe, izinga liphantsi (11-13.5%), kwimoto entsha yasekhaya (12-15%). Inzala ephakamileyo yemali mboleko yaqulunqwa, ngokuqinisekileyo, kwiimoto ezisetyenziswayo: zangaphandle - ngokwemitha eyi-16.5%, ekhaya-ukuya kuma-24%. Iphakamileyo igalelo, ixabiso eliphantsi . Amanani aphakamileyo asetyenziswa kwiiprogram ezizodwa: ukufumana mboleko kumaphepha amabini, ngaphandle kokubhaliweyo; Ukufunyanwa kwemoto kweshishini.

Mortgage

Olu hlobo lomboleko luhlinzekwa ukuthengwa kwezindlu: izindlu zokuhlala, izindlu, izindlu zendawo, mhlawumbi kunye nelizwe. Kukho neenkqubo zokuthenga igumbi kunye nesabelo kwindlu.

Umyinge womyinge kwimali mboleko uhla ukusuka kwi-9 ukuya kwi-21%. Ukungafani okunjalo kubangelwa iimpawu zobugcisa bezindlu. Into encinci ukuyithenga indlu kwisakhiwo esitsha, kwindlu esandul 'utshayiweyo i-1-1.5% eyabiza ngakumbi, eyona eyabiza iya kuba yindlu kwiimarike zesekondari. Inzala ephantsi kakhulu iya kuhlawulwa xa unika igalelo elikhulu lokuhlawula indlu.

Ngaphantsi kweenkqubo zokuboleka imali , inzala yemali mboleko ayikho inkcazo yentlawulo yenyanga. Kananjalo longeza i-inshorensi yonyaka (0.4-2% yemali yemboleko), iikhomishini ezahlukahlukeneyo ezinokuthi ziphephe, ukuba ukhangele ukukhangela ibhanki ngokunyamekela - sebenzisa ubuncinane inyanga ukhetha inkqubo efanelekileyo.

Mboleko engekho injongo

Ikhutshwe nayiphi na imfuno. Ukudibanisa le nkqubo kukuba umxhasi uyakhululwa yintlanzi yokubonisa injongo ayenayo mboleko kwi-bhanki. Le nkonzo yebhanki "ikhupha" uninzi lwababoleki "izandla" kwaye ivumela imali yokusebenzisa nayiphi na imfuno. Kodwa ... Inkqubo inokuthi iyancipha - inzala ephezulu.

Iiprogram ezifanayo zibizwa kwiibhanki ngeendlela ezahlukeneyo: iimali-mboleko zemali, iimali mboleko kwi-trust. Isilinganiso esincinane kwi-13%, ngokwesilinganiso se-15%, kodwa singafikelela kuma-40% (ukuba ufuna imali ngokukhawuleza, ngaphandle kokuqinisekisa kunye neenkcukacha). Olu luhlobo olubi kakhulu lwemali mboleko.

Inzala yemali mboleko inquma ukuba uhlawula ngaphaya kwebhanki ithuba lokuthatha imali mboleko. Ixabiso elincinci namhlanje liyi-mortgage kunye nemali-mboleko yemoto, kwindawo yesibini-mboleko yomthengi, kwaye ixabiso elininzi namhlanje liboleke imali ngaphandle kwezatifikethi, izigulane kunye nezobambisa. Kodwa nakweyiphi na yale nkqubo, unokufumana indlela yokunciphisa izinga: ngokubonelela onke amaxwebhu ebhanki, ngokufumana ababoleki-nkonzo (okanye abagcini-mboleko), ngokubonelela isibambiso okanye idiphozi enkulu (ekuqaleni kwimeko yokubolekwa kwemali kunye nomboleko wemoto).