Yintoni ipesenti nezivumelwano zokubambisa imizi yesibini?

Iinkcukacha-manani ngo 2016 wagqiba wayeyinkokeli Russian Sberbank kwinani ekhutshwe mboleko mortgage imali ngenxa intembeko abantu abaninzi. Umgaqo-nkqubo kaRhulumente Bank ngo-2017 ezijolise ekudaleni iimeko eziyimfuneko ukuze kuqinisekiswe ukuba abemi ithuba ukufumana imali-mboleko sokubambisa ngomdla encinci.

Yemboleko - le yenye iinkalo eziphambili kwinkqubo kwemali lokuboleka olubekelwe bucala. Emva kokuba kuthunyelwe imali yokuthenga izindlu real estate iya isiba-mboleko (sokubambisa) loMthetho ibhanki njengesiqinisekiso buyiselo ngayo ngetyala. Yintoni ipesenti nezivumelwano zokubambisa imizi yesibini?

Ingcamango izinga lenzala

I-Bank umisa ukuze ngamnye mboleko mboleko ukuze anikwe ngamnye. amazinga enzala a iintlawulo into enkulu, uluhlu lwabo iyahluka ukusuka-7 ukuya kwi-12% ye mboleko imali yelinye ilizwe, yaye ukususela-8 ukuya kowe-14% - kule iikhredithi engange.

Xa kubalwa ipesenti ixabiso ube bokuqonda zilandelayo:

1. Object. Ukufunyanwa izindlu ezithengiswayo. Oku kube yokuhlala okanye ikhaya labucala, kwakunye njengenxalenye indlu okanye indlu.

2. Le izindlu emarikeni. Kulo mzekelo - secondary. Oko kukuthi, yezindlu akukho abazifumene entsha, kodwa wanikezela indlu.

3. Ingeniso ezisemthethweni imilo ka-2-NGOBUCHULE, okanye isatifiketi ngokohlobo ibhanki.

4. Kufuneka ixesha. Mortgage ixesha elide ngaphezu koko mboleko abathengi.

5. Isavenge sokuqala. Kuye ixabiso ezingaphezu yeendleko kwezindlu, xa umyinge wenzala uyawa.

6. Ukunyuselwa kunye nezaphulelo.

Ipesenti nezivumelwano zokubambisa imizi yesibini liphezulu, kukho nezicelo. Intlawulo elide, imali kokukhona pay mboleki. Ngokomzekelo, kwiminyaka engama-20 le-mortgage ihlawulwa kabini ixabiso kule ndlu. Kodwa unalungelo lini na ukuba umntu abe igumbi zabo abazange kufuneka ukuba uhlawule imali engaphezulu, ukuqesha igumbi - imali ayichitha intlawulo square metres zayo.

Mortgage kwimarike eziziisekondari: iibhanki inzala

Inzala izindlu secondary mortgage ngo-2017 kuya kuxhomekeka ekubeni ezi zinto zilandelayo:

1. Fixed ubungakanani izinga isiseko yi-Central Bank. Ngoku 11.5% (esukela ukuya kwi 11.9%).

2. Ukubeka kokusebenza ezintsha iinkqubo zikarhulumente. Ukususela ngoJanuwari 2017 kuqaliswa utshintsho amazinga.

3. isimo Economic.

inkqubo elindelekileyo mortgage ngo-2017 kwi-Savings Bank - a olulodwa malunga nokungabikho isavenge sokuqala. Abantu bakufumanisa kunzima kakhulu ekukhuliseni isixa yokuqala, kwaye iza kufuna iindleko ngakumbi ezongezelelweyo-inshorensi kunye novavanyo ezimeleyo ingcali kwezithobekileyo lokwenene.

Iintlobo kwezinga lenzala

Ngokuqhelekileyo ingqalelo iqondo eliqingqiweyo umdla. peculiarity wabo ukuba bahlale efanayo lonke ixesha mortgage.

Kukho amazinga kwakhona ezidadayo ukuba iyahluka ukusuka avareji izinga iimarike zizodwa ubaluleke yaseYurophu. Rhoqo emva kweenyanga ezintandathu okanye unyaka, ingxelo mboleki ekhulwini ixabiso elitsha.

Kukho izinga zidibene, apho kuhlala ingatshintshanga ngexesha kwiminyaka yokuqala embalwa-mboleko, uze enambuzelayo ukuba ezidadayo. Le rate kuyingenelo umboleki, kuba likuvumela ukuba aqokelele imali phambi kokuba lenguqu yayo ukusuka kwelinye ukuya kwelinye.

Inzala ibalwa ngamnye kumsebenzisi ngamnye yemali-mboleko mortgage, abeya ke ahlawule.

Xa nokubuyekezwa, iintlobo ezahlukeneyo kunye neenkqubo umyinge wenzala zisezantsi abathengi ukuba akhethe Savings Bank. Nokuthathelwa indawo amakhaya yesibini (ntoni ipesenti ngaseludinini - siza kuxubusha ngezantsi) - inkonzo ngokwanelisayo othandwayo, ezisebenzisa abantu abaninzi.

Ingcamango welifa real zasesekondari

Wabiza yokuhlala lesibini, umthetho omiselwe ukusebenza ukuba ngaphambili kusetyenziswa abantu abaphilayo elililo.

Abathengisi - akuyona entsha, nendawo apho umntu okhe waphila, nguye umnini (umntu odaliweyo okanye zomthetho) unelungelo lokuthengisa.

"Fund Endala" onobuhlobo kungekho ngaphantsi kwemfuno ngaphezu kwizakhiwo ezitsha. Oku kubangelwa ngexabiso efikelelekayo ngakumbi ngumhlali eqhelekileyo. Ukongeza, ukuthenga kwezindlu enjalo akakhawulezi kakhulu (ukuya kwiinyanga ezintandathu).

izindlu ezinjalo kufuna utyalo-mali ubuncinane ngaphezu primary. Lenza naziphi zokulungisa unxibelelwano langoku.

Plus, uluhlu imarike secondary ebanzi kakhulu. Thathela ingqalelo esizithandayo kunye neminqweno kubaxhasi.

Umngcipheko kuphela ukuthengwa yale propati - kuyimfuneko ukuze bayitshekishe ngocoselelo onke amaxwebhu kunye nabanini kweentlawulo eluncedo akhawunti.

Ipesenti nezivumelwano zokubambisa amakhaya yesibini

Savings Bank kunika ithuba lokuba ukuthenga amakhaya yesibini mortgage phantsi kwale miqathango ilandelayo:

1. Term. Kuxhomekeke kwinkqubo yangoku. Kwakhona ke unelungelo lokuba kwemali ekuqaleni.

2. Igalelo lokuqala (ukususela-15 ukuya ku-20%). I elikhulu sentlawulo, ngaphantsi kwezinga lenzala.

3. mboleko Minimum (in inani amawaka 300 engange).

4. Umthombo isigxina yengeniso.

5. Ubumi of the Russian Federation.

6. A imbali credit olungileyo.

7. Ukusetyenziswa ilungelo-mali karhulumente (capital kubeleka, iinkxaso kwiintsapho abaselula, imali zomkhosi-mboleko ezizodwa).

8. Ukubalwa kwemali mboleko "mortgage calculator".

Ukuba uyakholwa na uqikelelo, urhulumente uza kuqhubeka ukunceda abantu ukuba baphucule iimeko zabo zokuphila.

Ukuthengwa kwempahla ogqityiweyo

Sberbank imisela ipesenti nezivumelwano zokubambisa amakhaya yesibini ukusuka-12% kwi-credit ubuncinane. Libonisa:

• ngemali mali ukuya kuma - hayi ngaphezulu kwe 85% ye njengokulinganisela kwakho, wena mhlaba uthengiweyo;

• Ixesha le mboleko - ukuya kutsho kwiminyaka engama-30;

• utyalo-mali yokuqala ye-20% yemali.

Inzala calculation indawo yokuhlala zamabanga iyafana amazinga kwizakhiwo ezitsha.

Ukufumana indlela yakho amanani ziya esondele itafile kwenzala amakhaya yesibini.

Ipesenti nezivumelwano zokubambisa kwimarike zasesekondari luxhomekeke kwezinye bokuqonda:

1. Udidi lwe mboleki. Abantu abangafumani imivuzo kwi Savings Bank, ebhatalwa kancinci ukususela 0.5 ukuya-1%.

2. Ubhaliso-mboleko mboleko (kongezwa enye-1%).

3. inshorensi esisiNyanzelo ubomi kunye nempilo. Ukongezelela, izinga linyuke-1%.

Ngamafuphi

Yintoni abantu bayathetha ngayo iinkonzo ze-Savings Bank? Inzala mboleko yezindlu usoloko ngaphantsi kwezinye iintlobo-mboleko, kwaye neemfuno kubaboleki akusoloko phezulu. Iintlawulo Uniform kunye rhoqo, esisigxina umyinge wenzala isoloko endlala. Ipropati nokukhululwa ngentlawulelo phambi kokukhula. Percent mboleko yezindlu eziziisekondari Sberbank minimal (13%).