Mboleko yebhanki Mortgage: Iimfuno, amaxwebhu kunye nohlolo

Ukudala iyunithi entsha kuluntu - usapho, abaninzi bacinga ngemfuneko emakhayeni abo. Kodwa ke ngoku ukuthenga indawo yokuhlala / indlu - luyabiza. Ngenxa yoku, asinguye wonk 'umntu unako ukufikelela ngokwabo njengokuzaliseka ephupheni. Kodwa ungakhathazeki! Ngenxa yobukho kwimigangatho ezifana nemveliso ukubolekisa mortgage, ingxaki ngokunqongophala isixa eyiyo imali ukuyisombulula.

Banks, mboleko mboleko: Iikhrayitheriya Selection

Ukugqiba ukuba uthathe imali-mboleko yokuthenga izindlu, kufuneka uthathe uxanduva kukhethwa oluza ifanelekileyo kunye mboleki oluthembekileyo. Nangona ezinye iibhanki mortgage na inzuzo yabelwe ngu amazinga enzala asezantsi, ngoxa abanye kufuna kungeniswe iphakheji isezantsi yamaxwebhu. Ngoko ke, ukuba bathi kanye imveliso iza kuba yintoni na eliphezulu kakhulu umboleki ngamnye, kuba kunzima kakhulu. Umxhamli wagqiba ekubeni isicelo ebhankini enikela sokubambisa, kufuneka isigqibo into ebaluleke ngakumbi kwaye lula ngakumbi kuye; yaye ukususela kule sigobe kukhetho lo otyalwayo ethile.

Ubunokwazi lula kukhethwe lwesithembiso engcono ukwenzeka, kubalulekile ukuqwalasela iingongoma eziphambili apho ingqalelo kufuneka ihlawulwe kwi ndawo yokuqala:

1. ukuthembeka elunxwemeni. Olu lwazi inokufumaneka manani ezizodwa.
2. Ubukho lohlolo akhabayo kunye navumelanayo.
3. kwenzala.
4. Isixa-mali intlawulo efunekayo phantsi.
5. igama mboleko.
6. Ubukho okanye ukungabikho iimali ezongezelelweyo, kubandakanywa efihliweyo (uyakwazi ukufumana ngenyameko kuphela yafunda amanqaku isivumelwano semali-mboleko).
7. Iindlela yembuyekezo kunye t. D.

Ngokusekelwe kwezi nqobo, kuya kuba lula ukuba ukhethe eyona umdla yeebhanki kokukhupha mortgages. Ke phakathi kwabo - esifanelekileyo.

Okulandelayo iya thaca kwi-mortgage mboleko yebhanki kunye nokusebenza kwemali ilungileyo, ingqalelo iimfuno zabo ezisisiseko kunye neemeko lokukhupha mboleko.

yebhanki yokonga

Eli ziko-mali iye zibalwa phakathi arhente khupha ezi mortgage kwi indawo yokuhlala. I-Bank wafumana phambili isikhundla enkosi nani likhulu mboleko waboleka imali yokuthenga izindlu ezithengiswayo. Kwaye mhlawumbi oko akulolize! Ngapha koko, a swi nga ukuziqhelanisa intshayelelo yeMisebenzi ezifihlakeleyo, isebenza kakuhle yaye ngokuthembekileyo. Mhlawumbi ngenxa yesi sizathu i-Savings Bank kwaye iye yaphumelela oluninzi reviews ezintle.

Kodwa asinguye wonke umntu kuthembela-mboleko kunye elunxwemeni. Ngoko ke, lo mbutho ukubeka phambili iimfuno ezithile ukuya kubaboleki. Zezi zilandelayo:

• Age of izigulana ezo kufuneka zibe engama-21 ubudala ngexesha nowokupheliswa isivumelwano kwaye hayi ngaphezulu kwe-75 iminyaka ukuvalwa umsebenzi.
• amava emsebenzini - hayi ngaphantsi kweenyanga ezintandathu kwindawo enye yaye ngonyaka kule minyaka mi-5 edlulileyo.

Ngelo efanayo ixesha anconywa kufuneka lingenise la maxwebhu alandelayo:

• Le fom mayizaliswe lemibuzo bank.
• Isazisi, ekuzezi: iZiko yokundwendwela ngummi Russian Federation.
• Amaxwebhu axhasayo ugqitho yemali mboleki.

Ukuba ibhanki ingxelo ukukhupha imali-mboleko iza kuba kwanela ingcaciso enikwe, ukuqhutyelwa ukunika umxumi mboleko phantsi kwemiqathango (imveliso inzuzo kunye nenkxaso karhulumente):

• Izinga 11.4% ngonyaka inzala.
• imali-mboleko 300 000 3 000 000 (malunga kummandla) kunye nezigidi ezingama-8 engange (kuba eMoscow kunye nommandla eMoscow, eSt Petersburg kunye kummandla iLeningrad).
• ixesha Loan ukusuka kwiinyanga ezili-12 ukuya 360.
• I Isavenge sokuqala-20% yeendleko-mboleko yokwenene kwempahla ethengiweyo.

VTB Bank of eMoscow

Ibhanki, mboleko mboleko, wathabatha kwindawo yesibini ngokwemigaqo yokusebenza kwemali. Babe isicelo semali-mboleko kuphela umntu ogama kwiziko unako, ukuhlangabezana nezi mfuno zilandelayo:

• Ukuba nobuzwe ye-Russian Federation / ubumi amazwe.
• yobudala umboleki kwiminyaka 21-60. Kulo mzekelo, mortgage egubungele ixesha akufunekanga ibe kwiminyaka engaphezu kwama-75.
• Ingqesho kummandla Russian Federation.
• Amava omsebenzi ukususela kwinyanga 1 emva kokugqitywa xesha lokulinga kunye nonyaka-1 kwisithuba yonke yobomi bakhe.
• Amadoda abangaphantsi kweminyaka engama-27 kufuneka ukuba angenise amaxwebhu yebhanki emkhosini okanye emkhosini of nepodlezhanii.

kuya kufuneka ukuba angenise loo maxwebhu:

• uxwebhu yesazisi.
• Uxwebhu lesibini ukhetho (SNILS okanye umqhubi-mvume okanye ID zomkhosi okanye ikhadi ID umkhosi, okanye ipasipoti a seaman leyo).
• Amaxwebhu eqinisekisa ulondolozo ingqesho kunye nengeniso.

iimeko credit kulo mzekelo iya kuba (imveliso kunye nenkxaso karhulumente):

• Izinga 11.15% ngonyaka inzala.
• Imali-mboleko ye-500 lamawaka engange.
• mboleko elide ukuya kwiinyanga 360.
• Wekhadi ka-20%.

Gazprombank

Kutshanje, mboleko mboleko iibhanki zakhutshwa ngokusekelwe inkxaso yoluntu. Akukho Ngaphandle apha kunye Gazprombank. Yena unika mboleko kuFeliks ukuthenga indlu phantsi kwale miqathango ilandelayo:

1. Izinga 8,85% ngamnye ngonyaka inzala.
2. Imali-mboleko ukuya ku-3 (ukuba kwezinye iindawo - 8) million engange.
3. Ixesha abonge kwiinyanga ukuya ku 360.
4. Wekhadi ka-20%.

VTB 24

Njengoko kukhankanyiwe ngasentla, iibanki ezibonelela mboleko mboleko, kufuneka eziluncedo zabo nezingalunganga. Mhlawumbi ecetywayo VTB 24, iimeko ziya kuba baninzi kakhulu kunalawo. Kwaye zezi:

• Izinga 11.4% ngonyaka inzala.
• Imali-mboleko 600 000-8 000 000.
• abonge ixesha leenyanga 12-360.
• Ukufumaneka mali yi-20%.

FK "Ukuvulwa"

indawo Fifth kwi ukusebenza kwezimali kwezi zixeliweyo, eziquka iibhanki ezibonelela mortgage, Wathabatha "Ukuvula" Bank. ntando yakhe credit zimi ngolu hlobo lulandelayo:

• Izinga 11.3% ngonyaka inzala.
• imali-mboleko evela engange 625.000 ukuya 75 million ukuya kwimimandla kunye engange million 150 eMoscow, ummandla eMoscow, eSt Petersburg kunye kummandla iLeningrad.
• abonge ixesha leenyanga 60-360.
• Ubukho intlawulo yokuqala ye-20 ukuya kuma-80% yeendleko kwezindlu.

Rosselkhozbank

Eli ziko mali ibekwe kwi rating yesithandathu umgca, inika mboleko yokuthenga real estate phantsi kwale miqathango ilandelayo:

• Izinga 11.3% ngonyaka inzala.
• imali-mboleko 100 000 3 000 000 mimandla kunye nezigidi ezisi-8 - kuba Moscow, ummandla eMoscow, eSt Petersburg kunye kummandla iLeningrad.
• Term abonge iinyanga 1-360.
• I Isavenge sokuqala-20% yexabiso kule ndlu / indlu.

Bungaphezulu iibhanki mortgage inzuzo nethembekileyo ziye ingqalelo. Ukuze ufumane imali-mboleko yokuthenga izindlu ezithengiswayo kwiziko ethile kuya kufuneka ukuba ukuhlangabezana neemfuno ezithile aze angenise uluhlu amaxwebhu.

Njengoko kuqondwe iimfuno uninzi kweebhanki, sesona wadibana ke iimeko kubaboleki:

• Ubudala 21 no-75 eminyaka ubudala ngexesha lokuvalwa ngokupheleleyo kwetyala.
• ngabemi Russian.
• Ubukho amava emsebenzini ngonyaka.

Amaxwebhu afunekayo kulo zimi ngolu hlobo lulandelayo:

• Isazisi (oko kukuthi yokundwendwela Russian).
• Uxwebhu olongezelelweyo ukusuka kuluhlu ezinikwe yibhanki.
• Imiqulu engqina ingqesho kunye nengeniso esisigxina.

Nangona kunjalo, oku ngokwaneleyo ukuze ufumane imali-mboleko. Kukho bokuqonda ezininzi, nto leyo inokufunyanwa wayebhekisela isebe lebhanki ekhethiweyo.