Yezemali mboleko yabathengi. Mboleko mboleko yabathengi engahlawulwanga

Kumaziko ezininzi mali yangaphakathi, kukho inkonzo ebizwa ngokuba 'yezemali mboleko yabathengi. " Le nkqubo kudla luncedo kuzo zombini umxhasi kunye yebhanki. Ngapha koko, oku kuvumela ukuba umboleki ukuphucula iimeko inkonzo amatyala kunye umbolekisi - ukuthintela uphume transaction angalibali. Ezinye iibhanki refinance, hayi nje imisebenzi yabo, kodwa kontanga yayo, ukuthatha kude ukuze inxalenye yepotifoliyo.

Le ezintathu Izizathu ezingundoqo yokubolekisa

Iyona-mboleko ezinkulu, yenzelwe ixesha elide. Le mortgage kunye mortgage mboleko phantsi isithuthi. Yezemali kwabathengi mboleko iibhanki ezinezinto eyenziwa kwiimeko apho kusenokwenzeka ukuba ube yingxaki. Ke amaziko mali ukwenza umnyinyiva abathengi ukuba ikhuphe yaye uyavuma nesahlulo omtsha izinga ekunciphiseni (ukuba kunokwenzeka) okanye ulwandiso.

Xa siqwalasela imeko ukusuka kwindawo Ngenxa ngumthengi, ufanele ucinge mboleko, xa, emva komzuzwana kwenzeka ukuba ngetyala ayenzelwanga ngokwemigaqo kuFeliks. Ehlawulweyo yinxalenye yetyala yayo kwaye abonise yokuhlawula amatyala yayo yokusebenza, obolekayo unelungelo ukunyaniseka ethile.

Isizathu sesibini ukuba usebenzise i 'yezemali mboleko yabathengi "- intlawulo enkulu kakhulu. Ngelishwa, ngamanye amaxesha umxhasi nje ukuba ukubala amandla, okanye iimeko zingatshintsha ngokuhamba kwexesha, akusingisi kokhona kulungileyo. Kwaye kwenzeka ukuba iimeko zibonakala kakhulu kulungile, kodwa mboleko luxanduva kakhulu loo mntu alwa nayo ngokoqobo umgudu wokugqibela. Emva koko iyavakala ukuvuselela deal ixesha elide okanye ukutshintsha inkqubo yentlawulo, ukuba abe phezu imikhosi mboleki.

Isizathu sesithathu - umnqweno ukutshintsha endodeni. Ukuba umxhamli iinkonzo kwenye ibhanki, ukuba ufumana umvuzo, kunandipha nezinye iinkonzo leyo, kusondezwa yona apho mboleko mboleko yabathengi. Ngokwendalo, imiqathango yesivumelwano esitsha na ukuba ibe mbi ngaphezu kowangaphambili, kungenjalo inkqubo ziya kuphulukana intsingiselo yalo.

Kwezinye iibhanki, le nkonzo ifumaneka?

Mboleko mboleko "lwangaphandle", iibhanki abaninzi bekwi. Ingakumbi oku kusebenza kumaziko ezicwangcisiweyo ezinkulu ezifana Sberbank. Mboleko mboleko yabathengi, uze unikele abaxhasi balo ukuba nganeno ngaseludinini yokuhlawula amatyala kunye ababoleka imali yangaphandle. Le yokugqibela ungenza dili kuphela ukuba akukho delinquencies yangoku.

VTB Bank yezemali yomboleki yeentengo zemboleko kuyenzeka. Apha, njengokuba kwi Savings Bank, ngovuyo anike imali ukuqinisekisa ukuba umxhamli ukuze sivale ngenxa ukuthenga "angaphandle".

Iinkokeli entsimini ekufuneni

Ukongeza kula maziko zemali, unika esidlangalaleni ukuba akhuphe kubaboleki uhlanga ekukhutshweni kwemali-mboleko yabathengi, "Alfa-Bank". Ziko imeko ngokwawo abe njengenkosana imisebenzi esebenzayo ye ulwalathiso kwaye ivumela abantu ukuba balahle ozithengileyo wabulawa kwi ngokwemigaqo ezimbi ngabaqambi entsha. Ukuba uyakholwa na intengiso, i-arhente ukulungele refinance ngokoqobo nayiphi na ityala ngezavenge yokufeza yemali. Kodwa ke eneneni esithetha ikakhulu malunga iikhredithi yabathengi kahle esikhulu. Inkokeli njengoko nezivumelwano zokubambisa njengesiqhelo kunye nezinye iintlobo-mboleko collateralized ixesha elide.

Imigomo yesevisi

Ludla ukuhlangabezana iimveliso ezikhoyo ezifanayo ngexesha wo yingisela. Hi xikombiso, ku Sberbank mortgage mboleko oluza isithuba seminyaka ukuya ku-20. Ngokufanayo, kunjalo VTB and "Alfa-Bank". Umlinganiselo wenzala kwi deal omtsha iza kuxhomekeka kwimali ngokunjalo ubudlelwane kunye client. Ngoko ke, Sberbank inika iimeko mboleko ukuba abantu zoshishino ukukhonza apha iiprojekthi lomvuzo. Kwi-avareji, oko isusela-14 ukuya kwi-16 ngonyaka kwi lwemali kazwelonke.

I VTB ipesenti ephezulu kancinci (17 pa), kodwa inkqubo ulungelelwaniso kunye ukubhalisa ngokukhawuleza. Zonke iirekhodi beats inkokheli kule ndawo - "Alfa-Bank". Wenza avuselele mortgage nje ngaphantsi 12.2 ngamnye ngonyaka.

Njani na mboleko mboleko kubathengi?

Ukuba umntu uzimisele ukwenza le mboleko ityala layo, into yokuqala ekufuneka uyenze - ukuba isicelo kwiziko apho uceba ukwenza ukukhupha into entsha. Njengomthetho jikelele, ukunika isiqinisekiso somvuzo (iinyanga ezintandathu okanye unyaka, kuxhomekeka iimfuno ebhankini) kunye yokundwendwela. Ngamanye amaxesha nababolekisi elizayo ucele uxwebhu intsalela yetyala kunye nomgangatho ukusetyenziswa kweenkonzo. Abanye zibuze le ngcaciso kwiziko lamatyala.

Kwinqanaba elilandelayo, ibhanki ivuma ukwenza ngumthengi-mboleko entsha ukuhlawula ezikhoyo kwaye ibhengeza isigqibo sayo. Kwimeko oko HIV, i-ubolekayo uyaziswa ngokuqosheliswa deal yebhanki yakho (ngaphandle kwemvume mboleko akwenzeki) kwaye atyikitye isivumelwano.

Amaxwebhu ezikhutshwe kule nkqubo ezibolekisa

Ukongeza kwifomu yesicelo, enika umxhasi xa nqanaba thethwano, qiniseka isivumelwano sentengo kuphothulwe. Ngokungafaniyo iintengiselwano eqhelekileyo imali kwimveliso kuya kubuyekeza-mboleko kwenye ibhanki. Ngokutsho Ngesicelo otyalwayo ukuze ibe ezenziwe isivumelwano inshorensi. Oku kusebenza kuphela kwiimeko apho intengiselwano olubekwe yi isibambiso (estate lenene, iimoto, okanye enye).

Ezinye nababolekisi musa ukuba ukhuseleko akananto, leyo kunciphisa kakhulu iindleko nkqubo, ingakumbi xa kufikwa mboleko zemoto. Xa refinance izivumelwano, leyo isebenza wammela kwipropati, yaye kuya kufuneka kwenziwe isivumelwano sokubambisa ngempahla. Oku kudla ezinxulumene iindleko ezongezelelweyo, kuba ekhutshwa yi izivumelwano.

Mboleko mboleko yabathengi engahlawulwanga

Ukuba intengiselwano inkonzo ngokungqinelana nemiqathango yesivumelwano ukuze refinance oko akuyi kuba nzima. Kungenjalo izinto kwi-mboleko evela iintanda. Ukuba mboleki wenza ulibaziseko ebhankini mnye, uya kufuneka ukuba benze zonke iinzame lokubonisa ubuchule babo ukuze ahlawule omnye.

Ngoko mboleko transaction engahlawulwanga akunakwenzeka (ngaphandle inxenye ngokutsha ngaphakathi kwiziko elinye zemali). Ibhanki inomdla umgangatho walo mboleko. Ngoko ke, nako ukuhlangabezana zabaxhasi ukuba akhuphe kuye into entsha ukuhlawula ityala engahlawulwanga ezikhoyo, kodwa imeko ukuba lanelisekile solvency yayo. Ngoko mboleko mboleko ingxaki kunokwenzeka siseko, kodwa ke phantsi kwemiqathango ethile (umzekelo, ukuqaliswa abaliqela "ulawulo lwentlawulo" kwi intengiselwano lwangoku).

Yintoni kufuneka sinikele ingqalelo mboleki?

Xa isigqibo imfuneko mboleko phambi kokuqhubekeka kumgwebo ngoko nangoko, kufuneka kwakhona ufunde ikhontrakthi. Ukuba iimeko zakhe intlawulo yokuqala umboleki kufuneka ahlawule isohlwayo esinzulu ebhankini, ngoko refinance, unako ngoko nangoko ukulibala. Emva kokuba sekukhutshwe deal entsha, umthengi kuya kufuneka ukuba ahlawule ngokupheleleyo le yangoku. Oku kuya kwandisa ngokubonakalayo isixa ityala, ukuze inzuzo athandabuzekayo kakhulu.

Phakathi kwezinye izinto, kufuneka ufundisise kwaye isivumelwano esitsha kwemiqathango yalo kunye neemeko zange nzima. Ukuba, ke, emva uhlahlelo olunzulu umxhasi uyakuqonda ukuba kunilungele, kufuneka ngoko nangoko ukuhamba ukusuka kwenye ingcamango kwisenzo.