Nokuthathelwa indawo ukuze kwakhiwe indlu yangasese. Indlela ukufumana mortgage: inyathelo ngu step guide

Loo gama zebhanki njengoko mortgage, abe yinxalenye yobomi bethu. Namhlanje, uninzi iintsapho bakwam ngokwaneleyo ukuze imizi yabo ngaphandle imali ebolekiweyo. Okwangoku, abanye abafuni ukuthenga ibhokisi olusondeleyo ezindongeni izimvi umzi. Ukuze kwakhiwe izindlu zabo - ukhetho nomtsalane ngakumbi. Kodwa mortgage ukuze kwakhiwe indlu yabucala - umbono ongaqhelekanga ebangela imibuzo emininzi. Makhe uzame ukubaqonda.

Ukuze kwakhiwe indlu okanye uthenga i iimitha esele zenziwe ngakumbi ikhonkrithi esixekweni?

Ukutshintsha lwezindlu ezisezidolophini endlwini abucala kule namadlelo - yindlela entle kakhulu ukonga kwi izikwere notorious kwaye balahle ngabamelwane okukruqulayo kunye drill khawugqobhoze eludongeni. Kwaye le nto onke amancedo ikhaya labucala. Makhe siqwalasele nabo ukuze:

• Yinto akukho mfihlakalo ntoni kokusingqongileyo esixekweni. Kuyinto ndelelo ngokuphindwe ukusebenzisa nezivumelwano zokubambisa ukuthenga indlu, ngoko ukuhlawula eziyityhefu mihla emoyeni esinetyhefu betshaya olungenasiphelo ukusuka stairwell. Lo ngumoya kweli lizwe - a plus ezinkulu nabo bakukhathaleleyo impilo isizukulwana ekhulayo.
• Phambi kokuba ukungena kwimarike izindlu, i yokuhlala uthatha indawo eludinini yabameli 2-3. Oku kwenza iindleko ayabiza. Ixabiso square lwasefama nganye asezantsi ka-2, nokuba ngaba uthathe mortgage kwisakhiwo.
• Xa becwangcisa isifundo ikhaya kulapho kukuzingxala ingako. Ukongeza ekhaya, ungenza ukwakha gazebo, hlela ichibi okanye echibini. Le yokuhlala - ukuhlola kuphela kunye ukulungiswa kunye noyilo ingaphakathi.

Kufuneka wenze ntoni xa awunayo imali?

Ukuba intsapho oselula izicwangciso asuka ezidolophini emakhayeni abo eziphathekayo square metres, ukuba zihlale ziwulungiselelwe neendleko ezinkulu. Construction - case eqolo. Yaye yonke intsapho avareji kwilizwe lethu ungakwazi ukuhlawula ubumnandi enjalo. njani ukufumana imali lokuba indlu?

Kukho iindlela ezininzi:

• thatha mortgage ekwakhiweni kwezindlu abucala;
• ukuba akhuphe no-njongo mboleko olubekwe yi izindlu ezikhoyo kwaye usebenzise imali ukuze kwakhiwe;
• ukuba akhuphe mboleko kubathengi.

Cinga ngakumbi indlela yokuqala. Ziziphi bokuqonda nokuntsonkotha mortgage kwi sakhiwo? Ziziphi iimeko esichengeni ababolekisi kubaboleki?

izicelo iibhanki '

Nokuthathelwa indawo ukuze kwakhiwe indlu yabucala - isiganeko yingozi ebhankini. Ukuba into ayikagqitywa, akuthandeki ukuba kuqwalaselwe ulwelo. Phantsi kweemeko Kulilishwa ukuba ngequbuliso kuba yomboleki akwazi ukuhlawula imali ngokupheleleyo kwaye iza kufuna ukuphunyezwa kwe ngummeli wowona ukuhlawula ityala, ibhanki iya kukwazi ukuthengisa sebali kunye kwaqala umsebenzi wokwakha.

Ngoko ke, nababolekisi benza ukuya mortgage ezinjalo. Bathi kulinika kuphela phantsi kweemeko ezizodwa kunye namalungiselelo ngakumbi uhlobo izibambiso kunye / okanye isiqinisekiso. Kwakhona, iibhanki zichazwe iimfuno ezingqongqo ngokufanelekileyo ngenxa kubaboleki elizayo. Kwaye kananjalo ngummeli wowona ulungileyo. Ngokusisiseko, inkoliso yabo imimiselo efanayo. Kukho kuphela abathile ukuhla kuyo naliphi icala xa kuthelekiswa umda ubudala okanye ezinye iimpawu client. Yintoni i parameters lochaziweyo iibhanki? Nazi inomfana zinto:

• Kuba mboleki kunye guarantors zayo - ubudala, uhlobo lomsebenzi nesikhundla, ubuzwe kunye nendawo yokuhlala.
• Kuba ngummeli wowona - ixabiso, uhlobo lokusetyenziswa, iimpawu zomzimba, ngobunyulu lomthetho, ukungabikho encumbrances kunye nezinye miqobo nelokufumana injongo yawo.

Kwakhona, ibhanki iya kufuna amaxwebhu lobukho intlawulo lokuqala ingxelo efanelekileyo yokusebenzisa imali enikwa ngetyala.

Imali mboleko elide

iziko ngalinye credit esekwe isixa yagcwala. Oku kuxhomekeke kuphela kwingeniso epheleleyo umboleki kunye namalungu entsapho yakhe, kodwa ke ixabiso ngummeli wowona ulungileyo. Ngokuqhelekileyo, ibhanki baxhase iindleko zokwakha kwi mali ka-20-85% yabo bebonke. Nokuthathelwa indawo yokwakhiwa kwezindlu zabucala ukhutshwa isithuba seminyaka emi-5 ukuya kwi-30. Ezinye iibhanki ukwazi ukunikela nangaphezulu. Ke umboleki unako ukufumana intlawulo obutofotofo kakhulu ngenyanga. Nangona kunjalo, kubalulekile ukuqwalasela ukuba isixa egqithisileyo ngenxa uya kwandisa ephucukileyo.

umyinge wenzala

Ukumisela kwangaphambili umyinge wenzala kunzima, enoba sithetha malunga ibhanki ethile. Eli xabiso lixhomekeke eziliqela iimeko - ubomi, phantsi ubukhulu intlawulo. Ezinye nababolekisi bakulungele ukwenza izaphulelo kubathengi abasele babekhe obolekayo, okanye ngaba ngelo xesha. Kakade ke, xa sithetha ngendoda yezazela akavumeli delinquencies.

Nciphisa izinga lenzala ezinokulindelwa ngabo abafumana umvuzo kwi ikhadi lebhanki ekhethiweyo, kwakunye nabasebenzi becandelo likarhulumente. Emva kokuphela yokwakha, xa ziza kugunyaziswa indlu yaye ndiya kummela, umbolekisi liya kuba nako kwakhona ukwehlisa izinga. Kutheni iibhanki ukuya concessions ezinjalo? Le nto idibana iimeko ngentla ibonisa ukuthembeka zabathengi kunciphisa ubungozi ebhankini.

Ukuze ufumane ubalo rough, kuyimfuneko ukuba atyelele kwindawo kwiziko lamatyala. Kwaye "Mortgage" Ayinakufumana udweliso lwenkqubo lwe mboleko unelungelo lokuvavanya ekuthiwa-mortgage calculator kwi yokwakha. Uya kukuxelela eyiyona umyinge wenzala, intlawulo yenyanga ngokugqithisileyo.

amaxwebhu afunekayo

Musa iphakheji ukumangaliswa babukeke yamaxwebhu, enkulu kakhulu kunokuba kufunwa lokuthenga oluqhelekileyo. Mortgage kubandakanya kunikezelo ebhankini isixa esikhulu ixesha elide. Kwaye usoloko unomngcipheko enkulu ngemali. Nkqu zomngcipheko ithathwa kanye injongo mortgage - yokwakha. Enyanisweni, kwimeko yebhanki engagqitywanga ukuze kusala ungenanto. Ngoko kuyimfuneko ukuba baqokelele ozakuba ngenqindi, ukuze onke amaphepha kuncede ungazifumani nje izinto ozifunayo.

Ubukhulu becala kufuneka la maxwebhu alandelayo:

• Amaphepha anxulumene mboleki kunye guarantors yayo / sozaomschiov - proof of identity, ingeniso, amaxwebhu kwezemfundo kunye nobume ekuhlaleni. umsebenzi Bank - ukujonga ukukwazi ukuhlawula kunye uxanduva ngumthengi, ngoko yingcali ingacela inani leziqinisekiso ezongezelelweyo.
• Amaxwebhu kwi ngummeli wowona ulungileyo. Ngokufuthi inkoliso izibambiso kuluhlu izibambiso ayikho ezandleni kubathengi, kuluqokelela ngokukhawuleza - akukho umsebenzi lula. Endaweni pester Rosreestra kunye BTI, abaninzi babhenela iingcali uncedo.
• iingxelo akhawunti kunye namanye amaxwebhu, engqina ubukho intlawulo yokuqala.
• design House, imizobo, ikopi yesivumelwano kunye kwinkampani yokwakha, uqikelelo ukwenzela ukwakhiwa.

ngokoMthetho yokubolekisa

Phambi kokuba iziganeko ka-2014 inkqubo efana nezivumelwano zokubambisa ukuze kwakhiwe indlu yangasese, waba eqhelekileyo ngakumbi kule mibutho samatyala lizwe. Namhlanje inikeza inani elincinane ngokwentelekiso yeebhanki. Ngoko ke, siza kuqwalasela iimeko yokubolekisa Sberbank umzekelo. Yena ngu kaninzi ezinxulumene nemicimbi efana:

• Loan lwemali - engange Russian kuphela.
• imali-mboleko - .. p amawaka 300, kodwa hayi ngaphezulu kwe-75% yexabiso ngummeli wowona ulungileyo.
• intlawulo Down - ukusuka 25%.
• gama-mboleko - ukuya kutsho kwiminyaka engama-30.
• Izinga Inzala - ukusuka 13,25%.

yonke le nkqubo iza kukhangeleka ngathi eneneni?

Amaxesha amaninzi, kubaboleki uceba ukufumana imali-mboleko yokwakha, embi ucinge yonke inkqubo. Abaninzi baxhomekeke kwi-filing isicelo, ukuba kukho amaxwebhu amabini. Ibhanki iza kubuza ngakumbi ngaphandle isiqinisekiso ilungelo lokusebenzisa umhlaba. Kwaye ngaphakathi kweeyure ezimbalwa okanye iintsuku, lo mboleki uya izandla zakho phezu imali.

Ngelishwa, akunjalo izinto ezilula kangaka. Yemboleko, nokuba injongo nto ayizange ilandelelwe, ifuna itsheki ngokucokisekileyo umboleki kunye ngummeli wowona ulungileyo. I-Bank kufuneka ukunciphisa imingcipheko amathuba omabini umxhasi kwaye kulo mbutho ngokwayo. Ukongeza, ukusetyenziswa ekujoliswe mali busenza ukuba ubukho ingxelo, wamcacisela ngokwayo ifumaneka neze yimali eziinkozo.

Njani nenyaniso ibukeka inkqubo yekhredithi njengoko mortgage ukwakha indlu? Sberbank, umzekelo, uyakwazi ukunikeza le nkqubo ilandelayo wentsebenziswano phakathi ebhankini kunye umthengi:

• Umboleki inika izazisi zabo kunye namaphepha guarantors. Kweli nqanaba, ibhanki yenza isigqibo malunga ithuba ngentsebenziswano client.
• Ukuqokelelwa amaxwebhu kule propati. zatifikethi ezigcinwe ithunyelwa yebhanki esweni ngokusemthethweni. Ukongeza, imbalelwano iimfuno isayithi lweempawu ebonakalayo yeBhanki.
• Nenkomo udlula ixabiso lebhanki ovunyiweyo iinkampani apreyizali.
• Umxhamli inxaxheba ukuze yeprojekthi ekhaya, kokusayina isivumelwano yokwakha. I-Bhanki kananjalo kufuneka Uqikelelo lweendleko ukufumana imali-mboleko efunekayo. La umboleki maxwebhu aya kungena inkampani yabo yokwakha uwunyulileyo, uze sidlulisele iingcali kwiziko lemali.
• Ukuba onke amanyathelo odlulileyo sele zigqityiwe ngempumelelo, amaqela bangadlulela kokugqitywa ngokwesivumelwano setyala.
• mboleko Ulwakhiwo kubandakanya nokubekwa encumbrances kulo ilizwe, ngoko kufuneka achithe ixesha elithile amaphepha e Rosreestra. Ngosuku zokufumana ubungqina obutsha ibhanki ithumela inxalenye yokuqala imali yokwakha.
• Umboleki inika ingxelo inxalenye yokuqala ukusetyenziswa ekujongwe kwemali-mboleko.
• I-Bhanki ikhupha inxalenye yesibini inani.
• UMboleki ugqibezela ekwakhiweni kwendlu kwaye wenza njengoko ipropati ogqityiweyo. Emva koko, lo isibambiso uba kwisiqwenga somhlaba kwilifa lokwenene. Umlinganiselo wenzala kwi-mboleko emva iya ekunciphiseni.

Ndingathini ukwenza izinto lula?

Kuba intlawulo ukhululeke ngakumbi, ezinye iibhanki zinika inkqubo efana ukumiswa kwetyala sentlawulo yenqununu. Obolekayo ixesha elide leminyaka emi-3, uyakwazi ukuhlawula kuphela nenzala efumanekileyo imali mboleko. Oku elula kakhulu, banikwa iindleko kunokwenzeka ezongezelelweyo ngexesha lokwakha, apho arhabaxa ngamandla kwi-mali. Ukongeza, ukuba intlawulo inqununu, ungasebenzisa eyinkunzi umzali. Malunga kwaloku ukuba ukucela kwangaphambili phambi kokuba isicelo sokuthenga ngetyala. Ukuba mortgage kusakhiwa kwezinye iibhanki ifuna intlawulo phantsi, naye, kusetyenziswa le satifikethi.

Injongo mboleko okwenziwa izindlu ezikhoyo

Olu hlobo Ukubolekwa naye sokubambisa, kunye neziphumo zawo. Ngapha koko, oko kwamkelwa impahla akananto, nto leyo ethetha ukuba ibhanki kufuneka uthathe unonophelo ukufezekisa into kwimeko lokungahlawulwa kwemali-mboleko.

Izinto eziluncedo ezibolekisa ezinjalo akukho ngxelo mfuneko kunganxulunyaniswa ukusetyenziswa ekujongwe - umboleki unelungelo ukulahla-mali ngokwakho. Ngaphezu koko, njengaye nawuphi na mortgage, oku ifumaneka kakhulu ixesha elide.

Kubo minuses - yamakariti efanayo kwamaxwebhu xa kubhaliswayo, kunye nobude inkqubo ingqalelo kwesicelo kunye nokukhutshwa imali. Ukongeza, xa eziliqela ukunyuka rate gwenxa. Ngokusisiseko, nababolekisi bazimisele ukulungiselela ukusetyenziswa engafanelekanga engekho ngaphezu kwe-50% yexabiso ngummeli wowona ulungileyo.

Ngaba kunokwenzeka ukuba ukusombulula le ngxaki lokuthenga?

Kuthathelwa ingqalelo iimeko zingentla mortgage wokwakha indlu, imali-mboleko yabathengi oqhelekileyo kubonakale ngathi indlela elula ukufumana imali kuyimfuneko. Okokuqala, ibhanki iya umkhondo ukusetyenziswa kwemali. Okwesibini, umboleki kufuneka ukuba uqokelele iphakheji onomtsalane iziqinisekiso eve nezinye iinkqubo. Imali yena uyakwazi ukufumana kwangaloo mini kwiingxelo 2-3. Kodwa le ndlela iye kuneengxaki zako:

• Imali-mboleko eziqhelekileyo kunqabile igqithe kwi-1.5 million engange.
• lokuthenga unikwa ithuba elifutshane, ukuya kwiminyaka emi-5 kakhulu. imali mboleko Big egxile iintlawulo ezinkulu, ezo ayifumaneki kumntu wonke. Ewe kwaye iya kuba umthwalo onzima kwisithuba zokwakha esinzima.
• Iibhanki uqobo ukubeka ipesenti ephezulu kwi-mboleko eziqhelekileyo. Nokuthathelwa indawo ngokuphathelele oku uye kude phambili. Endaweni yesiqhelo 22-24% babe nethuba ukufumana abangama-15% ngonyaka.

ukubolekisana Consumer kubonakala elula, kodwa hayi indlela inzuzo ukufumana imali ezingekhoyo ukwakhiwa. Olu khetho efanelekileyo kwabo baceba ukuba nenxaxheba ekwakhiweni kwendlu ngokwamanqanaba, okanye sele Ahlule izinto eziyimfuneko zokwakha. Xa ndiqukumbela, mhlawumbi kongezwa ukuba iibhanki iimeko ungatshintsha kaninzi. Ngoko ke, ngaphambi kokuba ukhethe ukuba naliphi na iziko lamatyala, buqu kufuneka abonisane nganye. mboleko Construction - lwendawo elide, kodwa isiphelo Mathews umsebenzi kunye alinde.