Standard and ixesha elide mboleko: Yeyona nto ibalulekileyo malunga mboleko

Wonke umntu uye weva malunga mboleko ixesha elide ebomini babo. Kodwa asinguye wonke umntu uyazi ukuba uqinisekise ukuba yintoni na. Ngamafutshane, le credit enikezelwa iibhanki kunye namanye amaziko zemali ixesha elide (iminyaka emithathu). Kodwa umxholo iqulethe eninzi iinkcukacha, kwaye yiloo nto ndingathanda ukunixelela.

ngayo inkonzo

mboleko Long-term duduza iintlobo ezimbini abathengi. Iqela lokuqala kuquka abantu abafuna ukuthenga indlu okanye ukwakha indlu. Kodwa ke akukho mali yaneleyo, ngenxa yokuba bahlala imali-mboleko. Waziwa ukuba kufumaneka isithuba seminyaka emi-5 ukuya kwi-30. Le mali yale hlobo singathatha nasiphi na umntu abaphakathi kweminyaka eli-21 ne-65 iminyaka, ehambisana nezinye iimfuno, nto leyo eza kuxoxwa kamva.

Kwakhona, imali ixesha elide udla uzobe up amaqumrhu asemthethweni. Injongo yabo - ukusebenzisa imali imali eyinkunzi. Kubalulekile ukuphawula ukuba kwimeko amaqumrhu asemthethweni mboleko ixesha elide nomqondo ngokubanzi and definition. Ezi ziquka kwezengqesho (abaphathi asethi kunye nemali ye-bank) umba bonds, iidipozithi kunye ukuvuthwa elingaphezulu konyaka omnye. Ke konke oku kungentla na injongo enye - ukubeka imali iprojekthi imveliso utyalo-mali, nto leyo kwixesha elizayo iza kuzisa inzuzo.

Nezivumelwano zokubambisa yaye i-mboleko auto

Olu ke uhlobo mboleko iyafumaneka ngabanye. Ityala ixesha elide kakhulu zithandwa ngexesha lethu.

Le peculiarity of mortgage kukuba zinto ezifunyanwa uba ukhuseleko. Ukuba abantu abakwazi ukuhlawula amatyala abo, i yokuhlala / indlu / ibhanki ilizwe ukuze alungise umonakalo. Kwi-avareji, zokubambisa kuthatha iminyaka 10-30. Ukuba yamkelwe, loo mntu kufuneka baqinisekise ukukwazi kwabo ukubhatala. Ukuza kuthi ga ngoku, oko kunika ingxelo yengeniso, uxwebhu emisebenzi kunye namava wabo besebenza kunye nento yokuba ungubani. Xa umntu ethatha isixa esikhulu ngokwenene, kusenokufuneka 'iqabane' ngeentlawulo, okt sozaomschik. Umzekelo, isibini esitshatileyo kunganika mboleko enkulu kunye namathuba ngaphezulu umntu omnye.

A mboleko ngokuthenga imoto - kukwayinto entle mboleko ebhankini ixesha elide. It idla kuthathwe ixesha elifutshane, kodwa ezinye uhlawule ityala kwisithuba seminyaka elishumi. Imali ubuncinane engange-150 000, kwaye ubuninzi ayiphelelanga. UNYE umdibanise - kwimeko mboleko yemoto ixesha elide musa nokuba kufuneka yenze intlawulo yokuqala. Kuyinto elula kakhulu. Kodwa ke inzala kwimali mboleko ixesha elide iphezulu - hayi 12-15%, kwaye 15-20% ngonyaka. Ukuba, umzekelo, umntu athathe engange 10 million ukuya kwiminyaka-10, umphumo egqithisileyo wakhe (kwimeko ka-20%), yi-2 000 000.

imiqulu

Kukho isethi eqhelekileyo yamaphepha ekufuneka ukunika xa usenza isicelo mboleko ixesha elide (kunye loans). Kuxhomekeka neemfuno kuluhlu ibhanki ethile ngayo amaxwebhu zinokwahluka. Kodwa ngokuqinisekileyo kufuneka isicelo, oqulunqwe yi iphethini ezisekiweyo yabucala mboleki, original kunye ifotokopi yokundwendwela kunye ubungqina bengeniso. Ngokuqhelekileyo, ixesha ofuna ukuba kuyo ukuwutsala, ukusukela kwiinyanga ezi-3 ukuya kwiminyaka emi-2.

Ngaphezulu kuya kufuneka nefotokopi incwadi yomsebenzi, eqinisekiswe emsebenzini. Amadoda kufuneka ukuba zinike ID emkhosini. Ukuba kukho iphepha-mvume lokuqhuba, ngoko ke kuya kufuneka (njengoko isiqinisekiso yesibini identity).

Ngokuqhelekileyo, isicelo ingqalelo ingadlulanga iveki. Kodwa ukuba onke amaxwebhu eziqhelekileyo kwaye umxhasi uyahlangabezana neemfuneko, angavuma ngaphambili.

kwi mali

Ukuba ufuna imali ixesha elide ukuya iqumrhu elisemthethweni, kuya kufuneka ukuba ukunika uhlalutyo yakho iprojekthi zotyalo-mali. Abasebenzi ebhankini, ukuba uqhelene nayo, kufuneka siqonde - into ukuba acelwe ukuba anikezele intwana ngetyala, uyabona, ndihlisa ngeniso kunye ukuhlawulela iindleko. Le projekthi kufuneka babonise ubukhulu ixabiso layo kunye nokusebenza.

Olu xwebhu kufuneka luqulathe izimvo kunye novavanyo nobunjineli ebango kwimarike, iindleko, ishedyuli. Kufuneka kwakhona ukucacisa inzuzo kunye nexesha ngqo apho iindleko uya kubuyekezwa. Imfuno kunye Uhlalutyo lokusingqongileyo (ukuba balo le projekthi kokusingqongileyo), kunye nobungqina ngakumbi ukuba umboleki uya kukwazi ukuphumeza izicwangciso.

Ibhanki kufuneka siqonde - mboleko iza kuba inkxaso elungileyo, utyalo-mali iya kuhlawula ngokukhawuleza ngokwaneleyo, ingozi yamkelekile, kodwa umqondo yokuqala. Ukuba zonke iimeko, umntu lomthetho uya kunikwa mboleko.

Mboleko ixesha elifutshane

Ngokufutshane yithi malunga mboleko apho iintlawulo banikwa kakhulu ngokukhawuleza kunokuba kunjalo mortgage efanayo. Zexesha elide kunye mboleko elifutshane elide ngokulinganayo kwemfuneko. Ngaphandle ukuba uhlobo sesibini mboleko itsalela inani kakhulu elikhulu labantu.

Kwaye - mboleko yabathengi. Yithathe ukusombulula babizwa ngokuba neengxaki "zasekhaya". Xa ukuthenga yokuhlala uswele kancinane, okanye kufuneka wenze ukulungisa, ukuthenga impahla, njl Yomboleki yeentengo zemboleko umnikelo phantse zonke iibhanki. Kodwa ke kubhetele ukuba isicelo kuRhulumente, ekubeni kukho iimeko ezizezona zifanelekileyo. Nika phezulu ukuya kwiminyaka emihlanu, kunye nenzala, kwamkelekile kakhulu (nge-avareji 12-14% ngamnye ngonyaka). Ukuba uyakwazi ukufumana iziqinisekiso, unako ukuthoba izinga. imali eliphezulu - 3 million engange. Kodwa ingakanani imali ilungele ukuthabatha ibhanki iya isigqibo ukuba imbono zemali emva kokuba uphononongo eneenkcukacha kwinkcazo yengeniso, akuso, njl Ukuba umntu, umzekelo, wamkela 60 TR ngenyanga nganye, 1.3 yezigidi engange iminyaka emi-5, uya kuba nako ukunika.

microloan

Nantso into yokugqibela endifuna ukuyithetha. ukubolekisana ukhetho ezingaginyisi, kodwa ngamanye amaxesha kuphela unako ukunceda. a ipaspoti kuphela efunekayo ukuze afumane microloan. Age Akukhathaliseki, ukuba kuphela nje 18. Ezi zixa-anikiweyo ezincinane - 15, 20, 35 ts Ngamanye amaxesha ngaphezulu, kuxhomekeke kwiimeko ezinikezelwa yi mbutho. Kodwa ipesenti enkulu - ukusuka 0.75% 3% ngosuku. Kakade ke, ukuthatha isixa esikhulu inyanga, ungakwazi splurge. Kodwa kaxakeka ukhetho elungileyo. Umzekelo, ukuba ahlawule iintsuku ezimbalwa, musa ukuba nabani na, yaye ifriji apho umntu sele kudala waba iliso lakhe, ngesiquphe yathengisa-50% isaphulelo. Kulo mzekelo, ngokwenene lokonga - nje amawaka ambalwa ezihlawulwa njenge pesenti mbutho microfinance ayikho "hits" isikakhulu yamphako, xa siqwalasele indlela imali sberog obolekayo kwi isaphulelo kakhulu.