Mortgage Vladivostok. Kukho ukuba isivuseleli ukuthatha-mboleko?

Nokuthathelwa indawo e Vladivostok - nto ithuba elihle lokuba abantu ukuba bathenge kwindlu yabo okanye ukuphucula iimeko zabo zokuhlala.

Abantu abaninzi bayathandabuza ukuba uthathe imali ngetyala, ngokunxulumene nengxaki ezayo. Kodwa musa ukuthelekisa le ntlekele kwintlekele ka-2008. 2008 - yimali ntlekele, imivuzo ziye zasinciphisa ngokukhawuleza, kwaye kwenzala kwimali-mboleko ziye zanda. Okwangoku kungenxa yokuba amazwe abaninzi abakwazi ukujongana ityala likarhulumente, abawathabathayo. Kodwa namhlanje, imeko mortgage kwimarike eYurophu, alunasiphumo kwi kwimarike Russian. Kunjalo kukho izinto ezimbi imeko yangoku - rate mortgage ukunyuka. Kodwa kuye kwabachaphazela zonke iibhanki, kodwa kuphela ezo ezibonelela mboleko elifutshane-term.

AHML (Agency for Housing Mortgage nokuboleka) wanikela inkqubo ebizwa ngokuba "isivuseleli". Oku kunegalelo yokuba iibhanki abakulungeleyo ukupha -mboleko yezindlu, okanye ukuthenga egqiba lwezindlu. Ngenxa yoko, kwikota yesi-3 ka-2011 wabona ukuchacha kurhwebo lokwakha. Malunga 403.000 amakhaya kunye square nezigidi ezingama-35 eemitha. Apartments lanikwa ukusebenza kwixesha Januwari-Septemba 2011. Le 103.2% kwixesha ahambelanayo ka 2010. sigqibo - kukho recovery emarikeni.

Le program ijolise ekuphuculeni imeko ubunzima ngo-2008. Ukuza kuthi ga ngoku, le nkqubo "inkuthazo" yenzelwe ukunceda lokubolekisa lwezindlu ezintsha. Injongo - ukwandisa inani kwempahla, leyo inxulumene eklasini kwezoqoqosho. Ngenxa yale nkqubo savuka iiprojekthi bezikhethwe kokudlulileyo akwenzeki, ngenxa yokuba xesha emva kwezindlu ukusebenza. Namhlanje, abantu bakhetha ukuthenga iimitha barentayo multi-ezinemigangatho, kuphela ngenxa yokuba kungekho ndlela yimbi. Kukho ipesenti enkulu yabantu abonwabileyo ukufumana izindlu-suka, kodwa kuphela ukuba kuya kubakho izithuthi yaye neziseko zentlalo, kwakufuneka abantu abahlala eluntwini mihla. Okwangoku, ufikelelo kwizindlu yabemi kuya kuthetha ithuba okwandileyo ukuthatha ngetyala kwaye uthenge indlu ngexabiso elifikelelekayo. Kodwa zokuhlala phakathi imihla yethu isekhona imali eninzi kakhulu. Isisombululo sale ngxaki - nokwakhiwa kwezindlu ngakumbi ezintsha (eyakuthatha unonophelo karhulumente).

Oku kunokwenziwa isigqibo sokuba abo banqwenela ukuthenga indlu kukho inkuthazo kuba abemi, ngenxa yokuba urhulumente uzama ukwenza konke okusemandleni ukuba benze njalo.

Ngoku e Vladivostok mortgage umnikelo 17 isixeko neebhanki zorhwebo, yaye ngalinye inkqubo yayo indlu, yaye phakathi kwezi nkqubo, ungakhetha i ifanelekileyo kuwe. Vladivostok neebhanki zorhwebo zinika mboleko mortgage kwiimeko ezahlukeneyo, ezifana mboleko zingafunyanwa kwimigangatho ezifana "Societe Generale Vostok", "Sberbank of Russia", "Primcotsbank", "ATB", "VTB 24", "Dalcombank", "Bank of eMoscow" , "Bank Agricultural", "Raiffeisen Bank", "TransCreditBank", "Svyaz-Bank", "embasi Intesa", "Maritime Bank", "Makube Eastern Bank", "Rosbank", "Orient express Bank", "Gazprombank". Xa uthenga indawo yokuhlala kwigumbi ngetyala, ukukhethwa ebhankini kubaluleke gqitha, njengoko zahluke ebisebhankini ngamnye umzi iimeko-mboleko. Kukho i umsebenzi "sokubambisa calculator", ophezu kwiziza kwiibhanki zorhwebo e Vladivostok yaye sivumela wena ukuba ukuhlalutya ezi iingenelo neengozi mortgage. Kodwa nenzuzo enkulu ukuba babuyele kumthengisi mortgage onokukunceda ukuba uthathe imali-mboleko kwi ngokwemimiselo kakuhle, yaye uya pick inkqubo yemali ngokupheleleyo. Ezinye iibhanki basebenza kwinkqubo isixeko "umkhaya Young Vladivostok", nto leyo eyenza kube lula ukufumana imali-mboleko mboleko yokuthenga indawo ngokwemiqathango kakuhle kunye isabelo-mali karhulumente. Nangona kunjalo, i mboleko akukho lula ukufumana - ukubonisa ubuchule babo hlawula ukuba usapho lwakho ifuneka ngokungxamisekileyo lwezindlu.

Ngoncedo lwe kumthengisi sokubambisa, nkqu mortgage ngaphandle kwentlawulo phantsi liya kuyeka ukuba yingxaki kuwe, kule meko kuya kuba yimfuneko ukunikezela ngesibambiso ipropati ezongezelelweyo, okanye ukufumana enye inkxaso, kuquka guarantors kwi-mboleko. Ukuza kuthi ga ngoku, emva kwentlekele ka-2008, i-mortgage e Vladivostok neenkcukacha zeposi, saqalisa ukwakhiwa zokuhlala ezintsha, yaye iibhanki ukuba aqalise mortgage yokubolekisa. Iibhanki idini otyalwayo enokwenzeka akanguye mortgage elitsha ikhaya kuphela e Vladivostok sele exhaswe bakha izindlu, kodwa izindlu kwi secondary kwimarike ezithengiswayo. Nangona udumo ngenxa yokuthenga izindlu nangoku kwimigangatho ezininzi yakhupha inzala elikhulu, ngokuhamba kwexesha ziya kubakho ukukhula kwamaxabiso real estate, ngoko Mortgage Vladivostok ngcono ngoku, ngeli lixa real estate kuhlala azinzile.