Mboleko Sberbank loan, imoto mboleko: ncomo. Ngaba ndiya kwi-lokubolekisa kwi Savings Bank?

Loan processing - yindlela elula ukuthenga ipropati ukuba akakwazi ukuzithenga kwangoko, kwaye ngemali. Noko ke, oku akusoloko a umqondo omuhle. Kudla mboleko ixesha elide similise ebukhobokeni lenene, ngokuba obolekayo akakwazi ukuhlawula kubo. Kulo mzekelo, i neendiza umntu orhaxwa nto iqale Sberbank. na kwenziwa njani? Kwaye phantsi kweziphi iimeko? Ngayo kwaye uthethe ngayo.

Brief abolekisa

Mboleko-mboleko entsha esibonelela akunakho ukuyibuyisa le mali endala. Kulo mzekelo, mboleko yangaphambili kufuneka kwakhona amalungiselelo ukuba isixa esikhulu, yaye kwenye ibhanki. Nangona iinkqubo ezinjalo bangenayo onke amaziko amatyala, Ngokuba Savings Bank of Russia. Malunga nendlela mboleko imisebenzi kwi-Savings Bank, ndikuxelele ngakumbi.

Inkqubo ukuba refinance mboleko e Sberbank

Kweli nqanaba kwi Savings Bank, ngeenkqubo mboleko zilandelayo:

• mboleko mboleko yezindlu;
• lokuthenga ukuba refinance.

Loluphi uhlobo nkqubo yezemali mboleko indlu?

Ukuba une-mboleko mortgage elikhulu yaye enzima kunene, iyavakala ukukhetha i ekukhutshweni kwemali -mboleko evela Sberbank. Kulo mzekelo, inkqubo yenzelwe hayi kuphela intlawulo epheleleyo mortgage 'eqolo ", kodwa kwakhona ukufumana imali-mboleko entsha ukuze kwakhiwe indlu okanye iiflethi ngokwesicelo (ukuba ufumana imvume ilungelo lobunini). Ngoko ke, yintoni na imiqathango yalo ngetyala?

Ukuchaza imiqathango yalo imali-mboleko, ukuthanda kakhulu ngokufutshane. Okokuqala, credit enikwe lwemali esizwe kaRhulumente kunye imali engange hayi ngaphantsi kwe-300 000. Ngenxa yoko, i kakhulu ukuba kungalindeleka, ekubeni kwi mali engadlulanga-80% yeendleko zizonke yokuhlala lesibini okanye primary - ixesha, kwaye akukho ngaphezu isixa-mali esisashiyekileyo yetyala lakho kwi-mboleko yangaphambili - ezimbini. Hi ndlela leyi, lo gama ngokubonelela wammela isixa-mboleko kwaye ayidluli 80% okuhlolwa ziingcali '.

Okwesibini, mboleko obuquka Sberbank ukuba waboleka ngaphandle yemveli umrhumo kunikezelo ukuya ku-30 iminyaka.

Ngawaphi amazinga wenzala mortgage mboleko?

izinga Ubukhulu kwi inkqubo yemali mboleko kwi-Savings Bank ixhomekeke elona xesha lininzi yenzelwe lokukhupha mboleko, kwakunye wena ukuba umthengi zemivuzo leziko zemali. Ngokomzekelo, xa isithuba seminyaka ukuya ku-10, ubukhulu yeerhafu mboleko abaxhasi payroll iya kuba 13,75%, ukuya kutsho kwiminyaka engama-20 - 14%, kwaye ukuya ku-30 - 14,25% ngonyaka. Kwimeko ukuba ngaba akukho umxhasi we Sberbank uwalungise-mboleko okokuqala apha, uzive ukhululekile ukongeza kwi nereyithi useko ngaphezulu ngxi kwi-0.5% ngonyaka.

Ziintoni ezifunekayo ukuze mboleko?

Ukuba ufuna ukufumana mboleko kwi-Savings Bank, bakulungele ukunikela mali. Njengoko kunokwenzeka ukuba kukubonelela ukulungele okanye ngaphantsi yezindlu yokwakha, nto leyo eye ngaphambili kunye mboleko yemali wakhutshwa. Okanye ukunika ibheyile naziphi na ezinye izinto zexabiso, ekhutshwe yi imali elingana-mboleko. Ukuba oyifunayo, endaweni izinto ukuqinisekisa ukuba unalo ilungelo lokwenza imali engange ubuncinane 3 million.

Inshorensi: kuyimfuneko kusini na?

Xa esenza isivumelwano refinance mali-mboleko kwi-Savings Bank uzilungiselele inshorensi esisinyanzelo. Ngokukodwa, kufuneka inshorensi yakho mortgage impahla evela kunokwenzeka umonakalo, ilahleko okanye ngokupheleleyo ukutshatyalaliswa ethile yemvelo lentlekele. inshorensi Term kuxhomekeke ixesha kwimvumelwano yokuboleka kwakho imali.

Ngaba kunokwenzeka ekukhutshweni kwi Savings Bank, yaye ngubani?

Mboleko kuba baseRashiya kunokwenzeka, kodwa imeko ukuba zingqinelane neemfuno ebhankini. Yintoni na le mithetho? Ngokomzekelo, ngexesha lonke eliyimali sicelo kufuneka engaphantsi kwama-21 eminyaka ubudala, kodwa hayi ngaphezulu kwe-75 iminyaka. Nawe kufuneka abe achazayo wesiqingatha-sonyaka namava lwangoku emisebenzi itotali nobude odlulileyo 5 kwiminyaka - 1 ngonyaka.

Ukongeza, sokubambisa mboleko kufuna ukubandakanyeka abathathu ubuncinane we-eqolo. Kusenokuba abantu bendalo, kodwa imali ehambelana yobungakanani iphezulu mboleko yebhanki. Enye i co-kubaboleki Iqabane lakho lomthetho okanye iqabane singenza.

Ngawaphi amaxwebhu afunekayo ukuze ubhaliswe?

Ukuphendula lo mbuzo omkhulu, "ukuba ungenza mboleko kwi-Savings Bank," sithi. "Ewe, wena unako." Xa iimfuno kokuthotyelwa yibhanki kunye nala maxwebhu alandelayo:

• passports;
• izatifiketi zokuzalwa loqobo kwabantwana (ukuba ikhona);
• isiqinisekiso somtshato Original (ukuba ngaba ilungu le nto);
• passport kunye namaxwebhu ezibonisa ulwalamano lwabo kuwe (izalamane zakho ukusebenza ngokungathi kwindima co-kubaboleki), njalo njalo. d.

Olu luluhlu jikelele lwamaxwebhu. Noko ke, oko zinokohluka eya kuthi yongezwe sisigqibo ebhankini.

Indlela ukuhlawula imali ngokuthi ekukhutshweni kwemali-mboleko?

Loo ukubolekwa imbuyiselo annuity ngenyanga (ngamanye amagama, lingana) udibaniso. intlawulo lwenziwa kwezi ndlela zilandelayo:

• kula masebe kwibhanki ofisi bhokisi;
• e iiterminal self-nkonzo;
• ATM;
• ngoncedo zebhanki Internet;
• nge zebhanki mobile.

Ngaba kunokwenzeka ekukhutshweni auto-mboleko evela Sberbank, siza kuqhubeka.

inkqubo yokubolekisa kwabathengi

Ukongeza mortgage, kubaboleki ezininzi zinokuba neengxaki loans auto. Nazi nje yezemali mboleko enjalo ungekho. Noko ke, kule Savings Bank ukulungiselela ezi njongo nefuthe kwezinye inkqubo mboleko umboleki ngenjongo abolekisa ngemali engaphezulu. Ziintoni iimpawu ze imveliso logcino na?

Eyona iphambili yale nkqubo kukuba inokusetyenziswa ukubabuyekeza ukuya mboleko ezintlanu yangoku kwezinye ngemali. Umzekelo, kusenokuba mboleko nkonzo, mboleko auto, kwakunye liabilities zangoku kwi ovadrafti okanye credit card yangoku.

Ngaphezu koko, ukungqinelana Bank, elowo UMboleki ithuba lokufumana ofunekayo imali ngaphandle bahambise omsebenzi irekhodi nengeniso isatifikethi. Ukongeza, le program akuthethi kuthi ubukho ikhomishini umrhumo kunikezelo-mboleko mali kwaye ayifuni ukubonelelwa izibambiso.

Zeziphi iimeko inkqubo lokuthenga?

Yenza le mboleko ingenziwa intanethi okanye ukutyelelwa ukuya kwenye yamasebe okhoyo mbutho. Yena lidla zinikwe ngohlobo lwemali kazwelonke, lo gama mboleko ubuncinane iinyanga ezi-3, ubuninzi - 5 iminyaka. Ngoko ke, lo mali obuvumelekileyo mayingagqithi engange million 1, kwaye izinga isiseko iqala kwi 17.5%.

Ziintoni ezifunekayo ukuze mboleko ukuba refinance?

Ngenxa yale program iphawulwa sengqondo uyakhetha mboleko ngokuxhomekeke ekukhutshweni kwi Savings Bank. Umzekelo, ixesha langoku-mboleko akayi kuba ngaphantsi kweenyanga ezintandathu phambi kokuphela buvuthwe - hayi ngaphantsi kweenyanga ezintathu. Ukongeza, zenu ezimbi udumo kwakufanele alinakuphelelwa lixesha. Ubuncinane kangangeenyanga ezintandathu, ukuba ndibuyekeze rhoqo kwaye ukunqanda nobunjubaqa.

Ziintoni ezifunekayo ukuze ababoleka imali?

Ngokungafaniyo nkqubo wangaphambili, lo mboleko ukuzoba abantu abaneminyaka engama-21 ukuya kuma-65. Zonke ezinye iimfuno, kubandakanywa jikelele kunye lwangoku amava emsebenzini, ziyafana. Kwaye ngoko ke isebenza kwi Savings Bank mboleko. ncomo Customer kuya kukunceda ufumane uluvo jikelele malunga neenkqubo.

Yintoni abantu bathi malunga Savings Bank of lweenkqubo mboleko?

Ukuze siqonde inkqubo mboleko yinzuzo ngayo kwi Savings Bank, sibheka kuzo ncomo. Ngokomzekelo, abanye abemi ezifana mortgage mboleko, njengoko wabavumela ukuba asuse umthwalo ngetyala bangazinzi. Abanye bakholelwa iimeko ezininzi ubenomtsalane ngetyala kwabathengi ngenjongo mboleko ngakumbi, njengoko kuvumela ukuba bavala mboleko ezintlanu ezinkulu. Okwesithathu ayikho anelisekile ukutsala intsebenziswano kubaboleki. Le yesine ifana eyamkelekileyo umyinge wenzala kunye akukho myalelo.