Mboleko yemboleko: Banks. Mboleko-mboleko kwi "Savings Bank": ncomo

Luyanda inzala iimveliso mboleko ebhankini edudulela kubaboleki ukuba bafune-bid kukhuphiswano. Ngokusebenzisa le mboleko-mboleko ngokubaluleka kuthandwa. Kodwa phambi kokuba livume ukwenza isindululo esinjalo, oko kuyimfuneko ukuze ufumanise ukuba, kwakunye njengoko iyingenelo ngokwenyani nokuba?

Izizathu yekhaya

Mboleko-mboleko leyo imvume komnye mboleko imiqathango zibhetele iimeko, injongo yazo kukuba ukuvala mboleko ekhoyo yezindlu. Loo inyathelo ukuba isonjululwe abo bakholwayo izindululo zezinye iibhanki Ukongeza buyanceda leyo rhumela kuyo.

Ukuba ngaphambili ekhutshwe mboleko mboleko kwi-13% ngonyaka, kodwa ngoku uninzi iibhanki zinika inkonzo elifanayo sele kwi 10-11%. Ngokuqhelekileyo,-mboleko iza kuba kubiza. Ngoko ke, kubaboleki aqalile ukuphendla amaziko afanelekileyo imali eziza kukwazi refinance kubo. Ekubeni iibhanka Musa ukungxama yokuhlengahlengisa mboleko ezikhoyo, ukufuna iindlela mboleko ibe isigqibo ubhalo kwaye ichanekile.

Njengoko ixesha, apho kukhutshwa mboleko yezindlu, ekukhutshweni kwemali-mboleko inzuzo enkulu. Rate kusikwa noko isibini seepesenti kuya kusinceda kulo mzekelo, imali ebonakalayo. Ukuba umahluko angu ngaphantsi, akulungile perekreditovyvatsya. Ngapha koko, le mboleko uza kufuna -mboleko kunye nenye ibhanki zonke neziphumo zayo: yobhaliso i-inshorensi, ahlawule zonke iintlawulo ezifunekayo kunye amthume. Kwaye asimele silibale ukuba kuya wachitha amandla kunye nexesha.

Iimeko ze mboleko

Ukuze sinikele abathengi bethu ekukhutshweni kwemali-mboleko akakwazi zonke iibhanki. Esi sipho usebenza high-risk, ngoko, ngokuba kunikezelo mboleko ezinjalo kufuneka reserve ezongezelelweyo ze ulubumbe amandla ayikho ngamnye otyalwayo.

Ngaphandle kwento yokuba imeko yemali umboleki sivavanywe kuyilo-mboleko yezindlu, ekukhutshweni kwemali-mboleko kunye nenye ibhanki iya kufuna uviwo-kwakhona.

Iimfuneko mboleko

Njengayo nayiphi na imali-mboleko, xa uboleka imbali ngetyala kubalulekile. Ukongeza iphakheji esemgangathweni amaxwebhu afunekayo ukuze isicelo sobhaliso-mboleko, ibhanki iya kufuna isivumelwano sokubambisa luyasebenza kwaye uphando malunga ukungabikho lokuzaliseka zibuyiswe yesazela izibophelelo mboleko. Kananjalo kuya kufuneka imvume ebhaliweyo otyalwayo yangoku intlawulo yokuqala mboleko.

iimfuno client

I-mboleko mortgage yangoku kufuneka ikhutshelwe hayi konyaka ngaphantsi kwe-1 eyadlulayo yaye ngexesha ukusetyenziswa mboleko yezindlu kufuneka kungavunyelwa intlawulo engahlawulwanga. Ukuba sicinga yezemali mortgage kwi Savings Bank, ukuze kuqwalaselwe ngokwalo nomtsalane kakhulu. Apha ukubala nje ekukhutshweni kwemali ngayo abantu abangahlawuliyo kuphela ngenxa yezazela zabo.

iindlela ezahlukeneyo yokubolekisa

Njengoko kunjalo kunye mboleko yezindlu yokuqala, ukuba amalungiselelo ekukhutshweni kwemali-mboleko, iibhanki ifuna mali, nto leyo lisebenza zinto ezifunyanwa. Ngenxa yesi sizathu, i-Umxhamli kuya kufuneka ukunika amaxwebhu ukuqinisekisa imeko yakhe yemali kunye nowokupheliswa nabahloli bamaxabiso, kwiindleko kwezindlu.

Ukususela ibhanki ekhuphe mortgage, kuya kufuna imvume esesikweni ngokubhaliweyo ukuvalwa ngaphambi amboleke kwishedyuli. Umbolekisi, yenza ngaphandle mboleko kufuneka ukudlulisela imali kwi-akhawunti yebhanki efunekayo, nto leyo ithetha ukuba xa ufumana ivalwe mboleko kwaye kususa ukhuseleko kwiziko yokuhlala.

Kuba ixesha elifutshane ngexesha apho iziko lamatyala liyasuswa isibambiso kwepropati, yaye omnye ebekwe, umthengi kuya kufuneka ukuba uhlawule ephezulu inzala kwimali-mboleko. Loo umlinganiselo luhlobo inshorensi mboleko yebhanki. Emva kokuba zonke ezinye wokhuseleko kule mboleko kodwa. Kodwa kamsinya nje nobhaliso isibambiso, ukuze uqale ukusebenza a nokuphungulwa wenzala.

izindululo kunokwenzeka ukuba mortgage yokubolekisa

Abo wagqiba ekubeni refinance mortgage, kubalulekile ukufunda pre-izindululo yeebhanki eziliqela. Nokuba bohluka yi parameters zilandelayo:

• amazinga enzala;
• ngokoMthetho credit;
• le mali-mboleko.

Inye kuphela imeko lecebo ukuba zonke amatyala. Noko injongo mboleko, ethunyelwa kuphela intlawulo epheleleyo ye-mboleko kunye kwenye ibhanki. Kwaye ngamanye amaxesha izimali zabelwa kuphela uhlawule inqununu kunye nenzala kunye nezinye iintlawulo kunyanzelekile ukuba umboleki kuya kufuneka ahlawule ngokwahlukeneyo.

Enye indlela mboleko akubandakanyi kuphela intlawulo lwenqununu, kodwa intlawulo inzala kunye nezinye iintlawulo-mboleko. Ngaphantsi ngokufuthi credit esikhutshwe ingaphezulu isixa iintlawulo malunga nezivumelwano zokubambisa yangoku. Kulo mzekelo, umxhasi unelungelo lokusebenzisa imali eseleyo njengoko akuthandayo.

Umahluko kweerhafu

mboleko Mortgage ibandakanya izixa ezikhulu ematyaleni, ngoko ngaphambi kokuba ukhetha i ibhanki, kufuneka balujongisise ngenyameko zonke izindululo kwaye uthabathe ixesha lokuzuza izibalo.

Kunikezelwe ziibhanki mboleko ukuba zombini esisigxina kunye namanani ezidadayo. Nkqu negama Kucacile ukuba le yokuqala kuhlala ingatshintshanga ukuze lonke ixesha mboleko. Kuyinto elula kakhulu kwaye ikuvumela pre-plan inkcitho.

rate Incopho inamacandelo amabini: ezinzileyo kunye neguquguqukayo. Omnye uya kuhlala injalo, kunye nezinye kuxhomekeke kwizinto yangaphandle, nto leyo eya zicaciswe kwisivumelwano. Kuba engange yemali ethathwe rate engenasigxina Bala usebenzisa Isalathisi Mosprime, ngenxa apho utshintsho kunokwenzeka yonke imihla.

Kunye rates kwibhanki, kukho izinga ekukhutshweni kwemali ebekwe yi-Central Bank. Esi sixhobo engundoqo ukulawula inzala yeentengo zemboleko esetyenziswa yi-Central Bank of uboleka kwiibhanki. Le rate sisenokutshintshwa, kodwa hayi ngaphezulu kwe-1 ixesha ngamnye ngonyaka.

mortgages lwemali

Currency mortgage mboleko isoloko ongenakunceda nto. Credit amanqaku amazwe kubonakala ngakumbi ngexesha lobhaliso, kodwa imarike lwemali iyahlozinga, kwaye imeko inokuba inguqu nangaliphi na ixesha. Kulo mzekelo, intlawulo iza kunyuka.

Kwezinye iimeko, iibhanki uyavuma ukutshintsha imali-mboleko, kodwa come on oku konke. Ewe, kwaye apha yonke into iya kuxhomekeka mboleki ethile.

types of mboleko

Ukutshintsha omnye mboleko ukuya kwenye, yaye uyakwazi ukutshintsha iimeko zalo ezisisiseko. Umzekelo, ukunciphisa okanye ukwandisa ixesha le-mortgage, ukubuyisela lwemali-mboleko, lilikhulu umyinge wenzala okanye ukunciphisa ubungakanani iintlawulo zenyanga.

Le ndlela yokugqibela yi evumayo ubuncinane, ukususela ukuncitshiswa iintlawulo ezinyanzelekileyo landa kwikota mortgage, kwaye, ngenxa yoko, imali egqithisileyo kwi-mboleko.

ekunika yeebhanki

Inzuzo kakhulu ke yezemali mortgage Sberbank. ncomo Customer ngale mbutho becala HIV. Mboleko Ngokumalunga inxalenye lonke ityala kunye nenye ibhanki, kwaye ixesha mboleko nga engu-30.

Ukuba isixa setyala ingadluli 1.5 million engange, iyavakala isicelo kwi "RosEvroBank". ixesha lesivumelwano yiminyaka engama-20, kodwa kufuneka kuhlawulwe intlawulo ye 0.8% yesixa ezifunyenweyo.

Mboleko -mboleko kwi "Bank of eMoscow" kungenzeka ngisho omncinci bahlale amatyala, kunye ipesenti esezantsi gqitha yabafundi be 11,95-12,95% kunye ixesha elide ukuya kwiminyaka engama-30.

Kwiimeko apho kukho mortgage mkhulu kakhulu, eze uncedo "Absolut Bank". Isebenza loans engange ukuya kwizigidi 15. igama mboleko ukuya kwiminyaka engama-25. Kodwa ke kuza kufuneka ukuba i-inshorensi kwi ngumthengi kunye nentlawulo ikhomishini.

Ke akufunekanga uxhomekeke kakhulu kwi ukunyaniseka kunye elubala kwamaziko ngetyala. Ayizizo zonke iibanki ingxelo wonke macala de phantsi kwesivumelwano sentengo yemboleko, okuyinyani wagubungela ezininzi imigibe. Ngoko ke, xa izigqibo mboleko, zonke iziphakamiso amabango-inshorensi, ukungahlawulwa kweefizi kufuneka zihlolwe ngokweenkcukacha, njalo-njalo. E., ukuba andingqineki iinzuzo wayenqwenela ukuba ngengqondo.