Mortgage yokubolekisa. Kwezinye iimeko, ibhanki ithumela isaziso sokuphelisa isivumelwano

Ukuza kuthi ga ngoku, Ukubolekwa isiqingatha yonke impahla yayo nayiphi na ibhanki. Liyanda inani lamaziko zemboleko, kwaye nabo kukhuphiswano. yebhanki nganye ubeka iinkqubo phambili ezahlukeneyo kunye inzala enomtsalane kunye ngokoMthetho. Namhlanje, yonke intsapho kwesibini Izibophelelo ngetyala - yinto indima ebalulekileyo kubomi banamhlanje. Kukho ezahlukeneyo iindidi ze mboleko yabathengi: mboleko auto, iimpahla ngezavenge, mortgages.

Ngenxa mortgage unako ukuthenga izindlu ezithengiswayo, kokubini kwiimarike eziziprayimari nezizisekondari. Kodwa kwenzala yemali eRashiya bonke eliphezulu kakhulu kwaye akakwazi ukuhlawula (10 ukuya kwi 16.5%), ngokuchaseneyo eYurophu, apho umlinganiselo izinga yi-4% kuphela. Ukongeza umdla imeko ayimfuneko nayiphi na ibhanki - oku igalelo yokuqala ka-10%, okwenyaniso, ibheyile bafumane okanye ilifa ipropati kunye inshorensi esisinyanzelo. Kwimeko non-mali kunye nokusekwa ityala elikhulu ebhankini singathumela isaziso sokupheliswa yesivumelwano. Kakade ke, izindlu kweli lizwe kakhulu, yaye ubomi bam bonke ukuba badle kwaye ukuhlawulela yokuhlala omnye umntu akafuni ku - ukukhokelwa oku, abanye abemi, lungena ingeniso yabo, umthwalo ngokwabo ematyaleni, yaye kamva onke amaphupha babo nokonakala njenge bhokisi.

Umthetho Russian kuchazwe ngokucacileyo inkqubo kunikezelo kunye intlawulo ngokwemiqathango ye-mortgage, kodwa, nangona oku, ababolekisi banelungelo ukonyula iimfuno zabo ukuze kubaboleki. Ngaphambi ukuthatha imali abanye abantu, umboleki kufuneka waqhelana ngokupheleleyo nayo yonke imigaqo nemiqathango (isivumelwano) ngenyameko, cela umqeshwa ukubala ishedyuli sentlawulo, fumanisa ukuba yintoni na ikhomishini kunye nezohlwayo ihlawuliswa kwi intlawulo kade, kwaye ukucacisa umbuzo ithuba intlawulo yokuqala (kwezinye iibhanki emi ekubuyiselweni ukuvalwa ekuqaleni debt).

Izizathu zokuba imvumelwano ipheliswe

Ukupheliswa kwesivumelwano sentengo yemboleko ibhanki kwimeko yokuthengisa mortgage indawo, akunakwenzeka ukwenza imali kwi-akhawunti ekufakwa kuyo imali. Kulo mzekelo, ibhanki kufuneka athumele isaziso sokupheliswa kwesivumelwano ukuya mboleki okanye umlumkise ngomlomo. Kwimeko yokuba babengavumelani yeqela elinye lokuphelisa isivumelwano, elinye icala lingenza isicelo enkundleni. Ngaphambi kokuba usayine i amaxwebhu, umboleki kufuneka babenolwazi kunye namalungiselelo intlawulo kunye nesakhono ukuze lokuphelisa isivumelwano sokubambisa, kungenjalo kuya kukhokelela ilahleko enkulu yemali mboleki.

Kwakhona angasiphelisa isivumelwano of mortgage eyenziweyo notyeshelo izibophelelo zamaqela. Ukuba omabini amaqela aya kufumana kwizibhambathiso ezithile kunye nesivumelwano mutual ziya enze izilungiso ezifanelekileyo mvumelwano, ngoko ke ukupheliswa kwesivumelwano asifuneki, kwaye angalahlekelwa ukunyaniseka kwayo. Bank ungonakala akukho sizathu siphambili sokuba imvumelwano ipheliswe. Ekupheleni kwale ziko zemboleko kufuneka athumele isaziso sokupheliswa kwekhontrakthi umthengi. Ukuba oku akwenzeki, i-ubolekayo angafaka isicelo kwiNkundla, nto leyo eya kwenza isigqibo kakuhle - hayi gca imithetho ecacileyo kulo mba kuwiso-mthetho.

Ngokuqhelekileyo, umqalisi yokuphelisa iziko wekhredithi ubabalo, kodwa ke kukho iimeko apho umboleki usebenza Bank ngenxa yokurhoxiswa mvumelwano. Xa ubona ukuba kweebhanki kukophula isivumelwano sokubambisa ngempahla okanye ngenxa yesizathu esithile engaqhelekanga ukuba athumele isaziso lokuphelisa isivumelwano, kungcono ukucela uncedo kwinkampani ojongene Kwiimeko ezinjengezi, apho aya kuba nako ukuyiqonda le nto, noxhamla ubuncwane. Ezi nkampani zibanga ngokutsha mboleko kwaye ukuthenga ipropati, ibekwe eliganelwe ebhankini.

Ukuba umboleki ukuba ixesha elingenammiselo akanako ukuhlawula ityala, kufuneka ngoko nangoko azise Bank ukuze kuphetshwe izohlwayo. Oyinikiweyo iinketho eziliqela yokusombulula ingxaki: ngokutsha kwe-mboleko okanye imvumelwano ipheliswe.