Ngaba kunokwenzeka ukuthatha umboleko ngaphandle kokuhlawula kwi-Sberbank?

Imali-mboleko yemali-mboleko - okwangoku ikhetho eqhelekileyo yokuthenga ikhaya. Nangona kunjalo, njengomthetho, ukugcinwa kokuqala kuyadingeka ukufumana imali mboleko yezindlu. Ngaphantsi kweenkqubo ezikhoyo zokubolekwa kwemali mboleko kwiBhanki ye-Savings ukufumana mboleko oyifunayo ukuba ube ne-15-25% yeendleko zezindlu. Iintsapho ezingenayo imali ngokuzimela zibuza ukuba ngaba kunokwenzeka ukuthatha imali yokuthenga ngaphandle kwefowuni yokuqala eSberbank.

Indlela yokufumana umboleko ngaphandle kwemali

Ngelishwa, akukho mali-mboleko kwizindlu zaseSberbank ngaphandle kokutsalwa kwezimali kwangaphambili, kwaye kuyaqondakala. Amabhanki afuna ukubeka umngcipheko wokukhupha imali mboleko kuyo yonke ixabiso lepropati. Emva koko, xa kungenakuhlawulwa, akunakwenzeka ukuba izindlu ziya kuthengiswa ngexabiso lemarike.

Kodwa kusekho ukhetho lokuthatha imali ngaphandle kwefowuni yokuqala eSberbank:

• Inkqubo yokubophelelwa kwempahla yenkxaso-ntlawulo kwintsapho encinane;
• Ukuphathwa kwemali kunye nomzali omkhulu;
• Ukuhlaziya;
• Ukuthenga imali.

Iprogram yokuThengisa iMatriki

Inkqubo karhulumente yokuxhasa iintsapho ezincinci zikuvumela ukuba uthathe umboleko ngaphandle kwesafowuni yokuqala eSberbank. Yenzelwe izibini, apho omnye wabafazi okanye bobabini abangaphantsi kweminyaka engama-35. Kananjalo nomzali omnye onomntwana (kunye nemeko efanayo). Intsapho kufuneka ibe luhlu olukhethekileyo ukuphucula imeko yezindlu.

Ngaphantsi kwemiqathango yale program, inkxaso-mali evela kurhulumente isetyenziswe kwi-35% okanye i-40% yexabiso lezindlu ezithengiweyo. Ngo-2016, inkxaso-mali iya kuba malunga neeruble ezigidi, ukuba intsapho inabantwana ababini, ii-ruble eziyi-800 zeentsapho kunye nomntwana omnye, malunga nama-rublewaka ayi-600, ukuba akukho bantwana. Olu ncedo lombuso lunokusetyenziswa endaweni yokugcina imali.

Ukuba intsapho iyahlangabezana neemfuno zeprogram yelizwe "Ukubonelela ngezindlu zeentsapho ezincinci," le nto iya kuba yindlela efanelekileyo yokuthatha imali ngaphandle kwefowuni yokuqala eSberbank. Isilinganiso semali mboleko siya kuba se-10.5% ngonyaka, imali-mboleko-ukuya kuma-ruble ayizigidi eziyi-8, ixesha lokubolekwa kwemali-ukuya kwi-30 iminyaka.

Ukuboleka kwemali kunye nenkunzi yemali

Enye inketho, indlela yokuthatha imali ngaphandle kokuhlawula, kukusebenzisa i-capital parentin instead of savings. Ngale ndlela ungasebenzisa ukuthenga izindlu zesekondari, kunye nezindlu kwizakhiwo ezintsha nakwizindlu ezakhiwayo. Imali yomxhesho wabazali kufuneka ihlanganise ubuncinane i-15% yeendleko zezindlu ezathengiweyo ngoncedo lwemboleko.

Ixesha lokubolekwa kwemali mboleko, njengakwizinye iinkqubo ezininzi, lifikelela kwiminyaka engama-30. Ubukhulu bemali mboleko buvela kwii-ruble ezingama-300 ukuya kwezi-15. Inzala - ukusuka kwi-12.5% ngonyaka.

Olu khetho luyathandwa kakhulu kuzo zonke iindlela zokuthatha imali yokuthenga ngaphandle kokuhlawula phantsi kweSberbank. Iingxelo zithi ziyinyani.

Amatyala eMali

Inikwe kuphela kubathathi-nxaxheba kwinkqubo ekhethekileyo yokubonelela izindlu ze-servicemen. Ngaphantsi kwenkqubo, kunokwenzeka ukuthenga izindlu ezakhiweyo, kunye nefulethi, isakhiwo sezindlu kunye nomhlaba, igumbi okanye indlu yedolophu kwimarike yesibini.

Le mboleko yendlu yithuba lokwenene lomkhosi ukuthawula imali ngaphandle kwefowuni yokuqala eSberbank. Ngaphantsi kweprogram yemali yokubolekwa kwemikhosi yempi, unokufumana imali ukuya kwi-ruble eyi-1.9 yezigidi ezili-15.

Ukuhlaziywa kwakhona kwemali

Inkonzo yokuvuselela imali mboleko ixhaphake ngoku. Ukongezelela ekuboneleleni ngeemeko zemali zeentengo zemboleko, liyimpumelelo yokuthatha imali yokuthenga ngaphandle kwemfestile yokuqala eSberbank. Iingxelo ezenziwe yilo nkonzo zihlala zilungile. Oku kuqondakalayo, kuba xa ukuhlaziywa kwabathengi banokufumana imali ebhanki kwilizwe elikhulu ukuya kwi-30 kwiminyaka ekhangayo ye-13.75% ngonyaka kunye nemigangatho efanelekileyo yokuhlawula.

Ngexesha elifanayo ukuhlaziywa ngenye yeendlela ezimbalwa zokukhetha ukuba uthathe imali ngaphandle kokuhlawula kwi-Sberbank kumntu omnye.

Iimfuno zabboleki

Abaxhasi abanqwenela ukuthatha imali mboleko ngaphandle kokuhlawula kwi-Sberbank kufuneka bahlangabezane neemfuneko ezithile:

• Umdala ukususela kwiminyaka engama-21 ukuya kwe-75 (iintsapho ezincinane - ukuya kwiminyaka engama-35, abolekayo ngaphandle kobufakazi bemivuzo-ukuya kwiminyaka engama-65);
• Ubude obude benkonzo ukusuka kunyaka owodwa, ubude bomsebenzi kwindawo yokugqibela ayikho ngaphantsi kweenyanga ezintandathu;
• Amadoda angaphantsi kwe-27 akufanele abizwe.

Iimfuno ze-real estate

Ukufumana i-real estate ye-estate yexabiso kufuneka kungeniswe inxaxheba kubantu abasithathu. Ubunini balo kufuneka bubhalwe ngokusemthethweni kunye nabaphathi baseRosreestr.

Kukho iimfuno zeentlobo ezahlukeneyo zendawo yokuhlala.

Ukuba isakhiwo, ngoko:

• Ukugqoka akufanele kudlule i-40%;
• Ubudala - engaphezulu kweminyaka engama-45;
• Izihlanu okanye ngaphezulu;
• Umqathango kufuneka ungabi ngengozi;
• Indlu ayikho uhlobo lomthi okanye lwe-barrack;
• Ukugqithwa kokuxutywa, isinyithi okanye ikhonkrithi eqinisiweyo;
• Isitena siseko, ilitye okanye ikhonkrithi eqinisiweyo;
• Indawo kwidolophana kunye necandelo elisebenzayo leBhanki ye-Savings.

Ihostele:

• Iinkqubo ezigunyazisiweyo zombane, ukufudumala, ukunikezelwa kwamanzi;
• Isiseko kunye nomgangatho womhlaba awuvumelekanga;
• Ukucwangcisa kwakhona kufuneka kubhaliswe ngokusemthethweni;
• Ikhitshi ehlukileyo kunye nendawo yokuhlambela;
• Amasango, iifestile, uphahla kunye nokuphala kwamanzi kufuneka kube ngokufanelekileyo.

Indlu yokuhlala kunye nomhlaba:

• Indawo kwidolophana eneenkqubo eziphuhlisiweyo zophuhliso, ngokulandelayo kufuneka kube ezinye izakhiwo zokuhlala;
• Ukufikelela kwindlu kunye nokukwazi ukuhlala kulo lonke unyaka;
• Inkqubo yokugunyazwa kombane, ukufudumala, ukunikezelwa kwamanzi, ukuhluleka kwezonxibelelwano;
• Yithi ilitye, izitena, ikhonkrithi eqinisekisiwe okanye isiseko sentente;
• Uhlobo lokusetyenziswa kwamaxwebhu kwipropati - kwi-IZhS okanye kwakhiwo yelizwe;
• Izinto ezingapheliyo mazibhaliswe kwiRegalata.

Iphakheji yamaxwebhu

Amaxwebhu omthengi:

• I-questionnaire yomntu wendalo okanye usomashishini ukuze afumane imali mboleko;
• Iipassports zabbolekayo, iqabane (s), ababolekisi bemboleko;
• Isatifiketi somtshato okanye isitatimenti sokuthi umthengi akakatshatanga;
• Izatifikethi zokuzalwa zabantwana;
• Kulowo nalowo-mboleki-mboleki ufuna idokethi eqinisekisa ubungqina;
• Isiqinisekiso esivela kwindawo yomsebenzi;
• Umbhalo kwimbuyekezo engeniso yenyanga ngenyanga ezintandathu zokugqibela;
• Isatifiketi sokwamkela imatato kunye nexwebhu oluvela kwisiKhwama sePenshini eqinisekisa ukuphumla kwayo.

Iimpepha zokuthengwa kwezindlu:

• Amaphepha eqinisekisa ubunini;
• Amaphepha, izizathu zobunini;
• Ingqungquthela evela kwiRejista yeZizwe eziManyeneyo yeeNyaniselwano zoRhwebo malunga nokuba i-real estate ayinakunqatyana;
• Ukulinganiswa okuzimeleyo kwexabiso lomhlaba;
• Iipasipoti zeCadastral kunye nobuchwepheshe;
• Imvume yabaphathi bokugcinwa;
• Imvume yomlingane (s) kubhaliso sesibambiso.

Amadokhumenti kwiplani yomhlaba kunye nendlu yangasese:

• Amaphepha kwipropati;
• Amaphepha-siseko ngenxa yobunini;
• Iipasipoti kunye neepaspoti zezobugcisa zendlu ;
• Amadokhumenti ekwakheni okuqhubekayo (ukuba kukho);
• Isicatshulwa kwiRejista yeSizwe yoNyunyana yeeNyaniselwano zoRhwebo malunga nelokuba umhlaba kunye nendlu ayilwanga;
• Ipasipoti yeCadastral yeqhinga lomhlaba;
• Uvavanyo lwexabiso lemarike le sayithi kunye nendlu, eyenziwa yicandelo elizimeleyo;
• Imvume yomlingane (s) ukudlulisela ebhankini umhlaba kunye ne-estate estate kuyo;
• Isatifiketi esivela kwisebe lokugcinwa kunye ne-trusteeship malunga nokubakho kwesibambiso.

Ngaloo ndlela, ukuthengwa kwepropati ngaphandle kokugcinwa kokuqala akufumaneki kuwo wonke umntu. Ukuze ufumane ngokuchanekileyo ukuba kunokwenzeka ukuba uthathe umboleko ngaphandle kokuhlawula kwi-Sberbank kumxhasi othile, abo banqwenela ukuba baqhagamshelane ne-ofisi yebhanki ngokubonisana neengcali.