Mortgage: ixesha lokuhlawula eliphezulu

Nokuthathelwa indawo kubemi abaninzi belizwe lethu kuphela ukhetho yokuqala ekufunyanweni kolunye izindlu zabo. Kucingwa imveliso ebhankini ixesha elide ukuba lu dityanisiwe iingozi ezininzi. Kudla 10-15 iminyaka oko kukhutshwa mortgages. Intlawulo elithi ubuninzi yebhanki nganye eyahlukileyo. Kufuneka ukhethe ixesha elifanelekileyo ixesha ukuhlawula ngokupheleleyo mboleko ngaphandle nobunjubaqa.

ukuba nombono

Yintoni na ixesha imali-mboleko? Le evunywe yi ubude bexesha apho umthengi kufuneka ahlawule iindleko izindlu, ngomdla. Olu lwazi enikwe kwisivumelwano semali-mboleko. Umxhamli Ungakhetha ixesha apho aya kuba semthethweni mortgages. Ixesha lokuhlawula esiphezulu kudla esikhulu kakhulu.

Ngokutsho imithetho zebhanki, ixesha ngaphantsi, inowuthi egqithisileyo. Iintlawulo kwi zexesha elifutshane kunokuba enkulu, nto leyo idala amathuba non-intlawulo ukuba umboleki iya kuba iingxaki zemali. Nokuba a ingeniso ezinzileyo kufuneka siphambuka, oko kukuthi, ukuba ukuthatha ngetyala ixesha elide. Ukuba mali ziya kulahleka, ngoko unako ukuhlawula indlu yakho ekuseni uze ugcine ngenzala.

Ukuba ngabo iibhanka?

kufuneka azi ukuba unantsi bayababoleka kwiibhanki Russian, ukuba kuyimfuneko, nokuyilwa mboleko yezindlu. Yintoni na ixesha iphezulu mortgage kwi Savings Bank? Yena engama-30. Ngaphezu koko, ukuba ifakiwe phantse kuzo zonke iinkqubo. Xa ukhetha igama iphezulu mortgage kwi Savings Bank, uhlawule akukho inkululeko ekuqaleni, le egqithisileyo uya kuba mkhulu. Ngoko ke, kufuneka acinge ngaphambi kokuba ubhaliso.

Ezinye iibhanki nokuseta ixesha iphezulu mboleko. VTB 24 inikeza ukukhupha mboleko yezindlu ukuya kwiminyaka engama-50. Ayizizo zonke iziko lamatyala ezifundisa iimeko ezinjalo. Iinkqubo ziyilelwe iingcali abaselula kunye nabazali abatsha abaminyaka yobudala eyi-25-35, ngokuba zinceda ukufumana imali yokuthenga izindlu kwi ngesantya izisulu.

Yintoni na ixesha iphezulu mboleko nezinye iiBhanki? Namanye amaziko zinika ukufumana imali-mboleko iminyaka 30-35. Xa "Raiffeisenbank", "Promsvyazbank" Kwakhona kukhutshwe mortgage. Ixesha lokuhlawula iphezulu yiminyaka 25 apho. In "Rosselkhozbank" yaye "Gazprombank" Nguye engama-30.

amazinga

Kuxhomekeka ixesha kuyohluka izinga. Iibhanki Russian ngayo isusela ukususela-11 ukuya nge-16%. isayizi walo uya kuba ezinkulu xa kukho intlawulo phantsi. Kukho kwakhona inkqubo kwipropati, apho kuyimfuneko ukunika ubuncinane kwamaxwebhu. Ke rate 18%. Ngokuthatha inxaxheba uya kwenza amalungiselelo mortgage ngomyinge wenzala eliphantsi iinkqubo zikarhulumente - 8-14%.

izidingo

Ukwenza amalungiselelo-mboleko, kufuneka udibana iimfuno ezithile:

• kweminyaka engama-21;
• ngabemi kwe Russian Federation;
• ubukho ingeniso esemthethweni;
• zobhaliso de umhlala-phantsi;
• ngexesha yokugqibela intlawulo yesavenge ungadlulanga owe ngaphezu kweminyaka 75.

Iimfuno ingahluka ebhankini nganye. Ngamanye amaxesha kufuneka uqinisekise amava seenyanga ezi-6 emsebenzini wokugqibela. Ukuba umxhasi unalo impahla, oko kuya kunceda amalungiselelo-mboleko. Le propati isetyenziswe njengobungqina besibini.

Imfuneko ebalulekileyo yeebhanki kugqalwa imbali entle ngetyala. Ukuba ngaphambili mboleko ezikhutshiweyo, kodwa ayihlawulwanga kwithuba elimiselweyo, oko kwamkelwa. Ukungabikho amabali ezinjalo nabo kubangele ukwaliwa kwesicelo. Idla kufuneka ukuba abe ngummeli wowona ulungileyo, kangangokuba kwimeko iimbopheleleko non-intlawulo wadlula kuyo.

Whichever gama enyulwe, iinkqubo ezininzi kufuneka ukuhlawula isavenge sokuqala. Kunokuba sibe uluhlu 10-25% yexabiso lentengo. Amaxesha amaninzi, kufuneka ube kwinqanaba elithile yengeniso, umzekelo ukusuka 25 amawaka. Engange. Okuya uba mkhulu umsantsa inqanaba lomvuzo, ayanda amathuba okufumana i-mboleko, yaye inkulu imali ekhutshwe. Thathela ingqalelo ezinye iindidi yengeniso: a podrabotok ishishini, irente impahla.

ithuba

mboleko Mortgage ikhutshwa okwethuba lonyaka 1. Ukuziqhelisa,-mboleko yonyaka phantse alisebenzi. Ezi zizathu zibandakanya:

• iintlawulo ezinkulu;
• amazinga aphezulu;
• ilungiselelo kweziqinisekiso ukuqinisekisa ukubuyiselwa imali.

Ukuba kukho rhoqo kwaye ingeniso enkulu, kusenokwenzeka ukuba kukho imali ngumboleki mali elishiyiweyo. Engxakini ngemvumelwano elifutshane elide kunzima yokulawula ixesha kunye nokusetyenziswa intlawulo yokuqala. Obolekayo kufuneka ukuhlawula izityhwentywe zemali nyanga zonke.

Abathengi kufuneka athathe ingqalelo:

• umngcipheko wesabelo kuncitshiswa;
• amathuba yokulahlekelwa umsebenzi;
• iindleko ezongezelelweyo;
• ukungabikho ukukhula ingeniso;
• emali.

Phantsi kwezi meko, kuye kube nzima ukwenza iintlawulo. Ngoko ke, oku kufanele kuqwalaselwe xa ebeka imvumelwano. Ukophulwa kwishedyuli ye ntlawulo ziya kuchaphazela imbali yakho yamatyala, nto leyo esisizathu sokuba kwixesha elizayo akunakwenzeka ukuba izicelo ezivunyiweyo. Ukucutha umngcipheko weebhanki kuwusondeza akhuphe inshorensi.

Yintoni lo gama ukhetha?

Lo mbuzo umdla kubaboleki ezininzi. I-avareji isithuba seminyaka 10-15. Njengoko kubonakala manani, oku Kwanele ukuba ahlawule imali mboleko. Ethelekiswa nabathengi Western kwaye American, abo bahlawula mortgage ixesha elide, abantu baseRashiya bakhetha ukuba balahle ityala. Ezi zizathu njengoko ezigqithisileyo - kwi US izinga yi 1-2%, lo gama kulo mzobo Russian yi 12-15%, oko kwiminyaka eli-30 luvelise egqithisileyo enkulu. Oku kwahlukile kumazwe awahlukeneyo mortgage.

Ixesha lokuhlawula iphezulu uvumela umboleki ukuba ukhethe ixesha elifunekayo. Ngoko ke kubalulekile ukuqwalasela ezi ngcebiso zilandelayo:

• umngcipheko kokulibazisa ixesha elifutshane iphezulu, ukuba imeko yemali ziya kugxagxiseka;
• ukhetha ixesha elide, mboleko zingahlawulwa kwangaphambili intlawulo buso, ukunciphisa egqithisileyo lokugqibela;
• wekhadi ngoku uninzi iibhanki eyenziwa ngaphandle izohlwayo kunye neentlawulo.

Egqithisileyo kwimigomo ezahlukeneyo

Kubonakala ukuba ibinzana elithi iphezulu mortgage eRashiya ebisebhankini nganye eyahlukileyo. Ukuba ukhetha ixesha elide, i egqithisileyo liya kuba ngaphezulu. Umzekelo, ukuba ufumana uzuko engange million 1 iminyaka emi-5 kwi-13%, lo egqithisileyo kuya kuba 360 000 engange.

Xa isivumelwano ikhutshwa kangangeminyaka eli-15, eli egqithisileyo iya kuba 1.3 yezigidi engange, kwaye izinga 13.5%. Ngenxa yoko, ukufumana mortgage Kulungile ixesha elifutshane. Ngoko kuyimfuneko ukuba athathe ingqalelo yabo yemali, phambi kokuba mortgage liya kukhutshwa. Ixesha lokuhlawula esiphezulu unako ekhethiweyo, kodwa kufuneka uzame ukuhlawula kwangaphambili.

lizibeke

Ukuhlawula kwangaphambili ingcono kwi ekuqaleni kwexesha xa nenzala efunyenweyo. Kule meko kuyimfuneko ukunciphisa isixa inqununu ngenxa yokuba inzala ihlawuliswa kuyo yonke imali. Kwisiqingatha sesibini lokuhlawula yombane ayiyi kuba lubonakale.

Ukuba uyazi ukuba kuza kubakho intlawulo yokuqala, umzekelo, emva kokufumana ikomkhulu umzali okanye noncediso yobhaliso usapho entsha, uyacebiswa ukuba amalungiselelo mortgage ithuba elifutshane. savumelana intlawulo kufuneka aqeshwe ngenxa imeko yokwenene yemali.

Ukutshintsha schedule sentlawulo

Uninzi inzala kuhlawuliswa ekuqaleni koyilo, uze emva koko iya kwintlawulo lwenqununu. iibhanki Russian ngokuqhelekileyo ukwenza le iintlawulo zomnyaka. Okokuqala, ahlawule inzala, emva koko ityala. Ukuba intlawulo yokuqala, ikwatshintsha isixa setyala. Ukuba intlawulo inxenye ukutshintsha ishedyuli kweentlawulo.

Asinazo kubathengi:

• ukuncitshiswa lokuba nemali-mboleko kunye nentlawulo uhlala enye;
• ukunciphisa intlawulo, eshiya seenyanga eziliqela.

Ukuba intlawulo yokuqala, kuba kukulungele - ukuhla ixesha okanye imali? Kwimeko yokuqala umthwalo yenyanga ukuba lifinyele, kwaye ipesenti iza kuba ngaphantsi ngenxa ixesha elifutshane. Le ndlela yesibini kubandakanya ukuncitshiswa iintlawulo zenyanga.

Xa yingenelo ukunciphisa eli gama?

Ngenxa intlawulo yokuqala ka amawaka 50-100. Engange ukunciphiseka iinyanga ezimbalwa. Ukuba ubale zonke wokubala ngetyala, koko omnye ixesha lokuhlawula yokuqala kuyingenelo ukunciphisa. Ukususela zesixa sentlawulo liya kuba enye, le egqithisileyo iya kuba ncinane.

Iingcali ukucebisa ukwenza ngaphandle mortgage ixesha ubukhulu kwaye, ukuba unako ukwenza iintlawulo kwangaphambili. Oku kuzakugcina indlu, nkqu egqithisileyo kancinane. Kangcono indlela ukuhlawula imali-mboleko ngaphambi ucwangciso okanye hayi, kufuneka lusekelwe kwi imeko yakho. Kuyimfuneko ukuba ibe kwamaxabiso ingqalelo, njengoko imali yanto. Ngeqondo eliphezulu bayacetyiswa ukuba ukuhlawula imali-mboleko ngaphambi ishedyuli, kwaye bathenge impahla.

Xa ngcono ukuhlawula kwangaphambili?

Ukuba mortgage ihlanganiswe ixesha elide, kungcono ukukhetha intlawulo ekuqaleni kunyaka wokuqala. Oku kuya konga kakhulu. Ukuba akukho imali engaphezulu ukuhlawula off, kuyimfuneko ukucima mortgage njengoko imeko ivumela kwaye isivumelwano kunye ebhankini. Umzekelo, i-Savings Bank Ubonisa ukuba intlawulo yokuqala kunokwenzeka emva kweenyanga ezi-3 emva kokuba intlawulo yokuqala, kuba akukho Akwalinganiselwa kwemali ngokukhawuleza. Ezinye iibhanki ukuze iimfuno zabo. Kodwa kamsinya uhlawule ityala, kokukhona uya kubasindisa ngenzala.