Yintoni-mboleko kunye nendlela ukufumana ngayo? La maxwebhu, isavenge sokuqala, inzala, lokuhlawula ityala lemali- mboleko sokubambisa

Xa izinto yangoku yobomi, xa abantu ihlabathi lukhula chu, elinye njengezona nkalo zitshisa ibunzi yeyona ngxaki izindlu. Ngoko ke akukho mfihlakalo ukuba asizizo zonke usapho, ingakumbi ulutsha, asoze bakwazi ukuthenga izindlu zabo, ngoko abantu abaninzi banomdla yintoni mortgage nokuba ukufumana njani. Ziziphi iingenelo ntoni olu hlobo liboleke abanye , yaye xa "umdlalo ezixabisa ikhandlela" ixabiso?

Kakuhle eli mortgage kukuba xa awunalo intsapho ezilungileyo can ezamahala ukuboleka imali yokuthenga izindlu endlini yabo Ufuna ngokwenene, ungaya ebhankini uze ufumane imali efunekayo. Nangona kunjalo, olu hlobo mboleko yahluke kancinane ukusuka yomboleki yeentengo zemboleko njengesiqhelo, esingamangqina ako oko thina sakuqhela. Yintoni kanye - siza kuphanda.

Yintoni-mboleko kunye nendlela ukufumana ngaphandle iingxaki

Okokuqala, kufuneka uqonde ukuba mboleko yemali - ithagethi mboleko yokuqala ekufunyanweni kolunye estate yokwenene, yaye ngokungafaniyo yomboleki yeentengo zemboleko awufuni ukuba ukulahla imali ngokwengqiqo yabo. Ukongeza, izibonelelo kulo mzekelo kaninzi iba ngokwako into ithengiswa - zokuhlala, iivenkile, izakhiwo mveliso. Ngoko ke, oko Kungaphikiswa ukuba ukhuseleko bempahla yokwenene ukukhusela izibophelelo ukuba abatyalwayo abe mboleko. Banks, ngasendleleni, hayi nje ukuba yokuhlala - siqinisekiso inokuba imoto, isikhephe, ilizwe. Noko ke, lo msebenzi osemqoka le hlobo mboleko kukuba into esilufumanayo iba impahla umboleki ngqo emva kokuthenga.

ERashiya, uhlobo ixhaphakileyo yale ndlela kubolekisa - mortgage phezu kwendlu. Ke kaloku, njengokuba umthetho, eganelwe ibhanki njengoko ifumana yokuhlala, nangona, njengoko kukho khetho, kunokwenzeka ukuba abeke kunye neepropati ezikhoyo. Olu hlobo nkonzo ibonelela phantse zonke iibhanki - Sberbank, "Gazprombank", "Alfa-Bank", "VTB". Naliphi na iziko mortgage ngetyala usoloko luncedo, ngenxa yokuba kwanokuba mboleki akakwazi ukufumana imali intlawulo yetyala, isibambiso iya kuhlala ebhankini. Kungenxa yoko le nto lokugqibela ngokuzithandela leyo mboleko, nje emonela- umnikelo kwemiqathango "lilungileyo '.

Ukunika credit, kufuneka wenze

Ukuze eflethini kwi mortgage iye yaba yimpumelelo, kuya kufuneka ngokwaneleyo "asebenze nzima 'ukuya kuqokelela amaxwebhu ayimfuneko. Kodwa siza kuthetha ngayo kancinane, kodwa ngoku makhe senze umzobo avareji ongase uyakwazi ukufumana imali-mboleko sokubambisa:

1. Okokuqala ubudala - kucingwa uluhlu ifanelekileyo engama-23 ukuya kuma-65.
2. Inqanaba Ukuthembeka - kufuneka imbali ogqibeleleyo ngetyala. Ukuba ikhona, wena ayifumaneki, ngaphambi kokuba afune imali-mboleko enkulu, thatha isibini nkonzo kwaye ngobuchule babhatale. Kakade ke, yomboleki yeentengo zemboleko ayikho zinkulu nezivumelwano zokubambisa, izavenge uya kuhlawula ezincinane kakhulu, kodwa ke ubukho mboleko ezimbini okanye ezintathu ngexesha i nefuthe kakhulu entle kwi umfanekiso wakho emehlweni ebhankini.
3. amava emsebenzini - kwiminyaka engaphezu kwama emibini, indawo yokugqibela umsebenzi - hayi iinyanga ngaphantsi kwe-6.
4. Ubukho yengeniso "white" eyaneleyo ukuhlawula intlawulo yenyanga.
5. Kakade ke, kufuneka uqokelele uluhlu enkulu lwamaxwebhu, kwaye kakhulu ebhankini, amaphepha ngakumbi, iziqinisekiso kunye neerisithi uye wabuza.

Kakade ke, ezi mfuno zilapha ngasentla - oko uguqulelo generic, unako ukufumana intsebenzo isuntswana ngakumbi kule ncwadana. Ngokomzekelo, ezinye iibhanki kwi amaphepha basenokuba ngabafundi zabo bathi bazimisele ukukhupha mboleko mortgage ukuba abantu abaneminyaka eli-18 ubudala. Okanye enye indlela: ukuba akukho mfuneko ukuba impendulo onazo ingxelo yengeniso. Ngoko ke, siyazi ukuba uninzi nto nje zithutha emaphepheni. Abaxumi, abamaziyo ngamava abo ukuba mortgage nendlela nakukufumana oko, bathi: Ukuba anithanga ezi mfuno zilapha ngentla, imali-mboleko ukuze yokuhlala akayi kunivumela ukuba. Yaye ngubani na ngokuqinisekileyo ukubala kwi impendulo eyakhayo?

Ngoko ke, usenokuba ukunika mboleko ukuba:

• kufuneka ubuncinane ama-20% yeendleko kwezindlu ethengelwe intlawulo phantsi;
• umvuzo wakho esemthethweni ubuncinane kabini intlawulo yenyanga;
• mortgage sikhutshiwe ukuba eflethini, kunokuba umhlaba okanye ikhaya labucala;
• onke amalungu entsapho eyomeleleyo abe engqesho esesikweni imivuzo "white";
• kukho enye ipropati ebesiphe kuwe ilungelo lobunini (nenkomo kwaye kananjalo akukho mfuneko);
• akunyanzelekanga mboleko ebalaseleyo kunye nezinye kwamatyala;
• nina musani ukwenza nokuqinisekisa ukuba mboleko izalamane okanye abahlobo;
• ubude inkonzo emsebenzini lokugqibela iminyaka engaphezu kwama-2-3;
• uyakwazi ukunikeza elinye okanye amabini kwabamela ezinganyibiliki (kuyimfuneko rhoqo, kodwa akubi njalo).

imiqulu

Ngoko ke ndigqibe ukuba ndlela kuphela ukuphucula iimeko zabo zokuphila - mboleko. Iibhanki ifuna ukuba uhlobo khorwisaka amaxwebhu. Makhe siqwalasele ngokweenkcukacha.

uluhlu ngokubanzi sijongeka njengoku:

• iprofayile Bank;
• isicelo sokubhalisa mortgage - maxa wambi eyicwangcisa intanethi ngokutyelela i-website esemthethweni yeziko;
• Ifotokopi yokundwendwela okanye uxwebhu elingana;
• ikopi yesiqinisekiso-inshorensi yomhlalaphantsi karhulumente;
• Isiqinisekiso (ikopi) yobhaliso zerhafu kummandla Russian Federation (inn);
• amadoda ubudala emkhosini kufuneka ikopi sekhadi;
• ziifoto zemfundo efunyenwe amaxwebhu - iidiploma, izatifikethi, njl.;
• Iikopi eziqinisekisiweyo zezatifikethi lomtshato / uqhawulo-mtshato, ukuzalwa abantwana;
• isivumelwano umtshato (ikopi), ukuba ikhona;
• nefotokopi incwadi yomsebenzi (onke amaphepha) kunye nomqeshi esiqinisekisa irekhodi;
• nawaphi na amaxwebhu eqinisekisa imali kunye umthombo wengeniso yakho - ifomu yakho yerhafu yengeniso-2, iingxelo-akhawunti yebhanki, efumene isondlo okanye uncedo-mali rhoqo njalo njalo ..

Kwezinye iibhanki la maxwebhu kwanele, kodwa inkoliso mboleko mortgage ufuna inani omkhulu izibambiso. Umzekelo, mhlawumbi kuya kufuneka ukuba ulungele:

• 9 ifomu - isiqinisekiso sobhaliso kwindawo yokuhlala esisigxina;
• Ifotokopi zokundwendwela yabo bonke abantu abahlala kunye nawe, njengokuba kwakunye usapho ngoko nangoko (abazali, abantwana, amaqabane) kungakhathaliseki kwindawo abahlala kuyo;
• iinkcukacha ngemali pension kunye nekopi yesatifiketi pension ngezalamane ubudala-ezifane ezingezo-sabasebenzi;
• Iikopi eziqinisekisiweyo zezatifikethi kokufa kwezalamane ezisondeleyo oswelekileyo - amaqabane, abazali okanye abantwana.

Kwakhona, la maxwebhu

Ukuba unayo nayiphi na impahla eninzi, kufuneka amaxwebhu asemthethweni engqina ilungelo lwepropati - .. eYilwayo zentengiso, isipho, izatifikethi uthengiso ukuya sasihlangatyezwa, indawo yokuhlala, imoto, njalo njalo Kuza kufuneka isiqinisekiso soko kuForm 7, kubalulwa iparameters unendlu yokuhlala / indawo non-zokuhlala.

Msinyane nje ukuba izabelo impahla, bonds njalo. E., Kuyimfuneko ukubonelela sisicatshulwa esithathwe kwirejista abanini izibambiso.

Nokuthathelwa indawo lwezindlu - elijongene nayo. Ngoko ke ngokuqinisekileyo kufuneka banike ubungqina ukunyaniseka kwakho - imbali yekhredithi, iikopi kweerisithi kwentlawulo ngexesha ngefowuni eziluncedo, irente kwiinyanga ezimbalwa ezidlulileyo, kwaye kungcono ukuba unyaka okanye emibini.

Ukuba une-akhawunti yebhanki - card, ngoku, idiphozithi, ityala, imfuno, njl -. Kuya kufuneka amaxwebhu engqina phambi kwabo.

Ukongezelela yonke loo ukufumana imali-mboleko, qiniseka ukuba Stock up izatifikethi ezingqina ukuba ababhaliswanga kwi kwikliniki ngengqondo kunye nonyango neziyobisi.

Xa ikhwelo ebhankini uya kufuneka akuyi iikopi kuphela, kodwa uqobo lweleta tyalo ngasentla, yaye ukuba unayo co-nye obolekayo nobolekwayo, iphakheji efanayo amaxwebhu kufuneka kube nokulungiswa yaye kuye.

Kwaye kwakhona amaxwebhu

amaxwebhu olongezelelweyo kufuneka abo "on" kwaye ishishini lakhe. Oku kuquka iikopi zamaxwebhu abasemthethweni, olubalelwa iingxelo malunga ubukho ingeniso / ilahleko kule minyaka idluleyo, ukuqeshwa, iikopi kwezivumelwano ezingundoqo, kumaxwebhu - ngokubanzi, naziphi na iimpepha ezinokuthi ukuqinisekisa uzinzo kwezemali inkampani yakho kunye nobuchule sophuhliso sesizwe.

Ukuba IP ngaphandle iqumrhu elisemthethweni, ibhanki kungenzeka ukuba ukucela ukunika:

• isiqinisekiso sobhaliso;
• irisithi ukuhlawula iirhafu kunye iminikelo kwi-mali ezahlukeneyo;
• Iikopi zeengxelo-akhawunti yebhanki kwiminyaka embalwa edlulileyo;
• Iindleko zeleja kunye nengeniso (ukuba ikhona);
• Iikopi leases yesakhiwo kunye namanye amaxwebhu njengobungqina uzinzo kunye yokuhlawula amatyala;

Njengoko ubona, indlu leyo kwi mortgage - zako anzima. Xa onke amaxwebhu afunekayo angenisiwe, kufuneka ulinde zesigqibo ibhanki ukuba ukunika-mboleko. Ngokuqhelekileyo, ixesha ingqalelo ingathatha ukususela ngemihla ukuya kwiiveki ezimbalwa, kodwa ezinye iibhanki zinika inkonzo "sokubambisa ngokukhawuleza" xa isigqibo senziwe iiyure ezimbini okanye ezintathu. Ufumane imvume kuqala, ungakwazi ukuqala ukuphendla indlu.

Indlela ukukhetha ibhanki: i mortgages inzuzo

Xa uluhlu olude lwamaxwebhu afunekayo akayi ukukoyikisa, kwaye bayiqinisa kwizigqibo zayo athathe imali yokwenene kwilifa, makhe sihlolisise kwi umbuzo ukuba ukhethe indlela kanye sipho nenzuzo. Icacile ukuba intlawulo ye mortgage - elide kwaye kunokuba imali eninzi, kodwa ahlawule njengoko nisazi, awufuni nabani. Yintoni ukufuna xa ukhetha iziko ngetyala?

1. Okokuqala, kufuneka balujongisise ngenyameko iinkqubo ezifundiswa egcina imali. Ngelo xesha, zama ukuba anikele ingqalelo amaziko ezisebenzayo bathengi kunyaka wokuqala kufuneka bebonakalise amava aqinisekisiweyo.
2. Ukuba sele unayo ikhadi (nayiphi) nawuphi na imizi egcina imali, kwaye wanelisekile kunye nomsebenzi wakhe, okokuqala zonke sinikele ingqalelo zabo phezu kweli linge. Inyaniso kukuba kubathengi ngokuqhelekileyo rhoqo, amaziko amaninzi zemali idini ezizodwa, ngecala iimeko zemboleko ngaphezu abantu isicelo kubo okwesihlandlo sokuqala.
3. Nikelani ingqalelo kuphela izinga lenzala, kodwa kwakhona kwinani mhlawumbi kwentlawulo ngexesha elinye-, imali leyo ngenxa kunokuba elikhulu kakhulu. "Emthuma 'enjalo kuhlawuliswa yibhanki yokukhupha iziqinisekiso ezahlukeneyo, inshorensi kunye nezinye iinkonzo.
4. Qiniseka ukukhangela amathuba intlawulo yokuqala mboleko. Umzekelo, ebhankini, njengoko "VTB", mortgage zingahlawulwa kwakusasa kungekho ngxaki, kunye neminye imibutho ngetyala, kule meko ifuna umxhamli uhlawule ezinye izohlwayo ezongezelelweyo kunye nezohlwayo. Kwakhona nga kuchaphazela ukhetho lwakho.
5. Phantse wonke iziko kweebhanki uye website yayo apho lula ukufumana ikhalityhuleyitha mboleko. Kuyinto elula: ngokuzalisa kwiinkalo ezifanelekileyo, unako kalukhuni ukubala unayo njani imali eninzi imali rhoqo ngenyanga. Thelekisa la manani, ebalekayo kumaphepha yeebhanki eziliqela, aqingqa sipho nenzuzo.

Ukuze mazingabhidaniswa a lot of iingcebiso, ungenza uzenzele itafile encinane, apho imihlathi ziya kuba iimeko wokubolekisa ngemali kunye imitya - a iibhanki ezimbalwa ezifundisa mortgages. Qiniseka ukusebenzisa isixhobo sokubala sokubambisa - oko kuya kwenza kube lula kakhulu izibalo yakho ukunceda ukuqinisekisa egqithisileyo iyonke kunye isixa sentlawulo yenyanga.

Columns (criteria) kungaba:

• Ixesha le mboleko;
• izinga lenzala;
• intlawulo yenyanga;
• iKomishoni, ngexesha elinye-iintlawulo;
• sidinga ukuqinisekisa ingeniso;
• amathuba intlawulo yokuqala;
• ubungakanani igalelo kokuqala esisinyanzelo;
• izohlwayo ukuhlawulwa kade imirhumo yenyanga;
• ukunikezwa ezithengisayo.

Kakade ke, uluhlu olucetywayo kweekhrayitheriya ungadibanisa ngokuthanda kwakho. Musa ukusondela ukukhetha ibhanki kunazo izinga lenzala - mhlawumbi, zonke ezinye iimeko akayi kuba nenzuzo kakhulu. Ngoko ukuhlola onke amanqaku kwi entsonkothileyo.

mortgage Social

Kukho nenye indawo apho kufuneka sinikele ingqalelo xa ukhetha ibhanki. Inyaniso kukuba ezinye iindidi abemi inikezelwe njalo-ebizwa mortgage zentlalo - abolekisa concessional ijolise ekuboneleleni ngezindlu kubantu abasengozini nje nako ukuthenga indlu kwi "mortgage commercial".

Umahluko omkhulu phakathi kolu hlobo kubolekisa iindleko ngesikwere semitha enye yezindlu ezithengiweyo. Ukuze ukuba bathathe inxaxheba kule nkqubo, kufuneka angenise isicelo ukuphucula iimeko zokuphila kwaye zibhaliswe kwi-Administration of ndawo ahlala kuyo. Apho, isicelo sakho siya kuqwalasela aze ayamkele isigqibo esifanelekileyo. Enye Indlela zokusingatha iirekhodi ezinjalo kumgca KM RT Resolution № 190, ukusuka apho kulandela ukuba izinga kummandla lilonke izindlu enika umntu ngamnye yi-18 m ^2.

Nxaxheba kwinkqubo "mortgage Social 'inokuba, umzekelo, abasebenzi karhulumente. Credit ingakhutshwa phantsi nje 7% ngonyaka kangangeminyaka ukuya ku 28.5, lo gama idla ngokwenza intlawulo yokuqala ingafuneki.

Noko ke, asingabo bonke iibhanki sebenza ngale hlobo yokubolekisa ngemali. Ulwazi oluyimfuneko malunga apho kukhutshwa khona, nokuba ufanelekele ukufumana kuyo, lungafumaneka kwi-(kwisithili) ulawulo sixeko. Amaninzi apho kukho isebe elijongene nkqubo yezindlu.

Siwela iintsapho abatsha

Ukuba abantu abadala ikakhulu ifunyenwe izindlu kumaxesha Soviet, mortgage iintsapho abaselula - ngoku phantse ndlela kuphela ukufumana izindlu zabo baze babe geqe. Ngethamsanqa, le hlobo kubolekisa kananjalo kuxhaswa ngurhulumente.

Yonke intsapho abatsha banakho ukuthabatha inxaxheba kwinkqubo yase kanye ukufumana isibonelelo sikarhulumente ukwenzela ukuthenga emakhayeni abo. Eqhelekileyo kummandla usapho lwabantu-2 ngu 42 square metres. Le ntsapho bangafaneleka ukuba bafumane isibonelelo-mali ka-35% yeendleko kwezindlu. Ukuba isibini abatsha abantwana, umlinganiselo yezindlu ibalwa 18 m ² Umntu ngamnye, kwaye ubungakanani isibonelelo linyuke kwi-40% kulo ixabiso lomhlaba.

mortgage State kubantu abatsha ingabonelelwa kuphela kwimeko ukuba batshatile - "ibalula" nabo bangafaneleka ukuba bafumane mboleko ekhethekileyo. Ukuze wenze oku lonke ilizwe lobo kwisenzo amaqela okwakha umfundi, ezo kwasekwa kwiiyunivesithi ezininzi. Emva unit loo mbono a kuya kusebenza 'ukuze ezilungileyo lokhokho, "elinamanci iishifti amahlanu, kuba ifaneleke nezivumelwano zokubambisa endlini ngexabiso. Ngenxa yoko, abanye emsebenzini, ukuba awenze, unako ukuthenga indlu izihlandlo 2-3 zitshiphu ukusuka ixabiso layo emarikeni.

Mortgage for servicemen

inkqubo yesizwe "Military Waptrick" - oku ivume olunye uhlobo lwale inkxaso ethandwayo. Le program ijolise ekuphuculeni iimeko abaphila phantsi kwazo abasebenzi emkhosini inkqubo yemali inkxaso. Konke kuxhomekeke yodidi qela kunye nomhla kwesivumelwano kuqala ukugeleza nkonzo.

Kakuhle eli lwenkqubo 'Military Mortgage "usendleleni yokuba zonke nyaka kwi-akhawunti ngamnye karhulumente ngamnye serviceman kubhalwe isixa esithile, imali ehlaziywa rhoqo ngurhulumente waseRashiya ngokuxhomekeke kuneqondo lokunyuka kwamaxabiso kunye nakwezinye iimo ezalathayo. Ekuhambeni kwexesha, isixa aqokelelwe zingasetyenziswa njenge intlawulo phantsi mboleko.

Ubuhle nobubi

Ke kaloku, ukuba ubuncinane ngokubanzi, wakwenza kwacaca ukuba mortgage kwaye nendlela ayizuze, akunakwenzeka ukuba ayeke kwi eziluncedo eziphambili kunye nezingeloncedo yale ndlela yokubolekisa ngemali.

Kakade ke, uncedo ephambili mortgage kukuba indlu yakho, ungafumana khona ngoku, kunokuba ukugcina kuba iminyaka ezayo, "mykayas ezimbombeni." Ekubeni imali ekhutshwe iminyaka emininzi, intlawulo yenyanga kunqabile ukuba inkulu kakhulu, kwaye ndokuhlawula ngokupheleleyo nako kubalelwe Russian.

Noko ke, nangona "umnyama" ithemba Akuyomfuneko ukulibala malunga iintsilelo, phakathi apho kwindawo yokuqala kufuneka ngokuba Inzala omkhulu overpayment, maxa wambi ukufikelela ngaphezulu kwe-100%. Ukongeza, phantse zonke isivumelwano sokubambisa basoloko langoku iindleko zomntu wesithathu - yokugcina akhawunti mboleko, kuba ingqalelo kwesicelo, insurances ezahlukeneyo, iikhomishini njalo njalo. Konke oku kunye unako ukufikelela 8-10% yeendleko intlawulo phantsi. Kwaye, kakade, uluhlu enkulu lwamaxwebhu, nangona oku ayimangalisi, kuba akholose yebhanki ube eninzi, kwaye ke ixesha elide kakhulu.