Nokuba okanye ukuthatha ngaphandle mboleko ngo-2014? Sberbank - zonke iikhredithi

Mboleko - inkonzo eqhelekileyo kubomi banamhlanje. Ngokutsho manani, abantu abaninzi basebenzisa ubuncinane kanye. Ukuthenga indawo yokuhlala, imoto kunye zombane nendlu ngetyala - kuba ezo nkonzo apho wonke umntu uyazi kwaye usebenzise ngempumelelo kubo, singasathethi ke kakubi amakhadi yekhredithi okanye mboleko. Nakuba kunjalo, abemi kuvela rhoqo malunga noku okanye loo mbuzo. Kodwa ke into ephambili kuzo zonke nangoku oku: "Ngaba kulungile ukuba kuthabatha mboleko ngo-2014?"

Pro con

Ukuze enze uvavanyo njongo, yaye ukuphendula umbuzo wokuba ingaba okanye ukuthatha ngaphandle mboleko ngo-2014, kubalulekile ukuqonda indlela yokucwangcisa amazinga enzala mboleko yebhanki. Eziziiprayimari icandelo yayo engundoqo - i ekukhutshweni kwemali izinga le-Central Bank. Inzala kwi mboleko ebhankini ayikwazi kuba ngaphantsi eli xabiso. Ngoko ke, xa izinga kwamaxabiso kukuba nangokomyinge izinga mboleko, ngokomkhethe imali-mboleko ixabiso ukuba kubaboleki lube nenzuzo ngelixa sisenyusa iingeniso ngokomlinganiselo okanye mkhulu Central Bank rate.

credit ezingantlanga uba kwiimeko apho kukho kungenzeka ukuba uzinzo ezingokwezimali bangase baqale kwixesha elizayo. izicwangciso zexesha elide ayinikiwe kuphela kurhulumente, yona efumana ibhajethi yonyaka kunyaka olandelayo, ezisekelwe kuqikelelo kunye izibalo nezalathi ezithile.

Nokuba okanye ukuthatha ngaphandle mboleko ngo-2014?

Imeko kwilizwe lethu izinzile, nangona iingqikelelo lentlekele kunokwenzeka emva kokuba Olympic Games e Sochi kunye nokongeza imimandla emitsha. Into kuphela ukuba kufuneka ingqalelo umboleki isakhono, ukuba uzinzo zakho izimali kunye kolwamkelo lwabo.

Kubalulekile ukuqonda ukuba lwemali-mboleko kuyo nayiphi na imeko kufuneka ingeniso efanayo. Ke nokunyuka babungena kwi-mboleko ezinemiqathango ukuba ukwenyuka kwamaxabiso (kunye ukuhla kwexabiso engange).

Oku kuthetha oku kulandelayo: ukuba imali yetyala ikhutshwe euro okanye US, kwaye ingeniso zikho kwi engange kwi okunanisa ngoko ukwanda iindleko ukunyuka ngetyala. Kuba kubaboleki, oku kuthetha nezicelo olongezelelweyo.

Enikeza Savings Bank kubaboleki?

mboleko Sberbank ngo-2014 baninzi. Ehlotyeni - ixesha leholide, - Savings Bank inika imveliso omtsha reduced umyinge wenzala (ukusuka 14.5%). Ezi iikhredithi kubathengi ngo-2014 ukuba ezicwangciswe emasebeni awo Sberbank. Bona inokukhutshwa i Internet (ukuba amazinga enzala aphezulu - nge-15.5%), naphantsi usisiqinisekiso ngabanye. Phambi guarantors yemali mboleko ungaba kuze engange-3 million iinyanga ukuya ku-60.

Nokuba okanye ukuthatha ngaphandle mboleko ngo-2014, umzekelo,-mboleko? nyaka e mortgage yokubolekisa kuhlala nje inzuzo. Ukwehlisa amazinga enzala kungalindelekanga, njengoko ixabiso lwezindlu iyaqhubeka ngokukhula. A mortgage nga zizakujongwa njengo uhlobo isicwangciso yesavenge unombono ixabiso lwexeshan elizayo kwipropati. Ewe, overpayment ebonakalayo, kodwa ixesha lokuhlawula imali-mboleko, uya uzive ngayo. Xa sihlalutya ukunyuka kwamaxabiso kule minyaka-14 edlulileyo, uya kubona ukuba ixabiso zokuhlala landa ngokuphindwe-2. Ngoko ixesha lokuhlawula mortgage eflethini yakho iya kuba ibiza imali ukuba ihlawulwe.

Mortgage iintsapho young

Sberbank iphuhlise inkqubo sokubambisa ekhethekileyo - mboleko ulutsha ukuba yokuhlala. 2014 wenza uhlengahlengiso ukuba iimeko zayo. De kuye ekupheleni kuka Juni 2014, kukho amazinga enzala asezantsi - ukusuka 10.5% ngonyaka. Basic wenzala semali-mboleko evela Sberbank yi-12% ngonyaka ngamnye ukuba izakhiwo ovunyiweyo, ababhekisi phambili ziye ngaphambili wangena isivumelwano nokulondolozwa kwamaziko yayo Sberbank. Ukubambisana okunjalo luyingenelo kuzo zonke - ibhanki ifumana kubaboleki, kunye nabo, yena, kunciphise irhafu mboleko mboleko. Kwaye umphuhlisi uthengisa ngokukhawuleza kangangoko kunokwenzeka zonke zokuhlala indlu entsha.

Eyona iphambili yale mveliso mortgage ngu:

1. Age of amaqabane ngaphantsi kweminyaka 35.
2. Intsapho inokuba kuluhlu karhulumente ukulungiselela ukuphuculwa neemeko zokuphila. Urhulumente uhlawula yinxalenye iindleko endlini yabo entsha.
3. Kufuneka Amaqabane kwanele ukuhlawula iintlawulo zokubambisa Umrhono.

Imvume evela Bank iya kuba lula ngakumbi xa sicinga kuphela ingeniso yekhaya, kodwa izihlobo zabo. Attraction sozaomschikov kunokwenzeka. Inani eliphezulu - 4. Ukuba intsapho abantwana, okanye isiqinisekiso esikhutshwe yi "capital sikanina", oko kuya kwandisa amathuba akho imali-mboleko.

Ezinye iimveliso mboleko

Yaye kuthekani mboleko imoto? Na ukuba ndiyiphathe mboleko ngo-2014 ukuya yokuthenga imoto? Iimpikiswano wakhetha le mboleko ayikho namandla. Oomashini, njengoko kuchasene indawo, kodwa enganeno ngokuhamba kwexesha. rates Inzala imoto ayikho phezulu kwaye uluhlu avareji ukusukela ku-8 ukuya kwi-15%. mboleko Vosmiprotsentny zingafumaneka ukwenzela ukuthenga imoto entsha kwezinye bebeka emotweni, ekubeni isindululo esinjalo iyahuthaza imfuneko.

ukuba A ubuninzi kwesantya senzala 15 kwi-Savings Bank ihlawulwe kwi inkqubo mboleko yemoto. iimeko zayo abaqotho ngakumbi. Ngoko ke, ungakwazi uthenga imoto evela umntu labucala, oko kukuthi kusetyenziswa, okanye ukuthenga entsha, kodwa ukususela udidi yemiyinge ezibizayo. ixabiso Car kufuneka ibe ngaphezulu kwama-750 amawaka engange.

Ngoko ke, lo mboleko yokuthenga imoto kungcono akhuphe elifutshane - ukuya kutsho kwiminyaka emithathu. Ngoko ke iya kuba amakhulu egqithisileyo kuthelekiswa ukuhla kwamaxabiso yeemoto ngeli thuba. Nyaka ngamnye, ukusetyenziswa imoto kuthatha kwixabiso layo kwintengiso malunga ne-10%. estate Real, phezu koko, kuphela imali eninzi kakhulu ekuhambeni kwexesha. Nciphisa umhlaziyi zayo iindleko musa kusengaphambili.