Ziziphi iindidi nezivumelwano zokubambisa ezikhoyo, nokuba yintoni na kungcono ukuthatha

Ngokuqinisekileyo wonke umntu kufuneka kwezindlu. Kodwa asinguye wonke umntu unako ukuthenga ngokukhawuleza, ngaphandle kokuya mboleko. Ngoko ke kunyanzelekile ukuba uqwalasele-mboleko. Kakade ke, isigqibo akuyona indlela engcono, kodwa eziqhelekileyo kakhulu. Kodwa abeva nokuqonda umntu kwisifundo ubuza kuqala, yaye ziziphi iindidi mortgage in mgaqo? Kwaye, ngokuba isihloko efanelekileyo, kuyimfuneko kukuxelela nayo iinkcukacha kancinci.

Inguqulo kakhulu

Ukuxambulisana ngezinto iintlobo nezivumelwano zokubambisa ezikhoyo mgaqo, kubalulekile ukukhumbula wokuqala zonke zijonge noboleka kwimarike yesibini. Ngenxa yokuba le - ukhetho kakhulu zithandwa. Lo mgaqo kulula. Umntu kufuneka lifumane yokuhlala ukuba abanye abantu bathengisa, nenze isivumelwano kwi mortgage yokubolekisa. Emva koko, yena ufumana indlu imali ebhankini, ngoko leyo byi kubo.

Kukho ezinye izinto awohluke. Okokuqala kufuneka ufumane eyona ifanelekileyo ukuba imiqathango ebhankini. Okungcono kule nkalo abo karhulumente. Zinelungelo inkqubo mboleko sokubambisa ezihambe nezona nkcukacha zincinane.

Emva kokuba umntu aya kuyinyula nenzuzo mortgage umnikelo, uze ufumanise ichatshazelweyo Yena angakunika, unako aqale ukukhangela lwezindlu. Kodwa uya kusondela phambi phezulu isivumelwano, kuya kufuneka ukuba uhlawule imali ebhankini kunye ne-inshorensi.

ngezimo

Ukuthetha malunga neentlobo nezivumelwano zokubambisa, singasathethi ke ingqalelo ngoko, ukuba kuthengwe kumakhaya wesibini lingenza.

Ngoko ke, indlu kufuneka alifumanekanga endlwini ukuba sadilizwa, okanye ezifuna ukulungiswa kunye ngokutsha. Kunqweneleka ukuba zikwimeko entle. Ngapha koko, yenza phandle-mboleko ukuya kwiminyaka engama-30, kwaye ibhanki unyanzelekile ukuba - ukuba umntu akakwazi ukuhlawula ityala, ilahleko uya kukwazi ukubuyisela ngokuthengisa lwezindlu.

yokuhlala Okuninzi kufuneka ophilileyo. Oko kukuthi, ukuba ibe yindlu oluqhelekileyo, kodwa hayi kwi hotele okanye ukunyanga ezimbaxa kamasipala. Yaye kufuneka babe ubeko eqhelekileyo, leyo ngexesha elinye kunye nesicwangciso le BTI. Hi ndlela leyi, iibhanki kunqabile ukunika mortgage ukwenzela ukuthenga zokuhlala, ezinze emhlabeni okanye imigangatho kuqala. Yaye "Khrushchev".

Obolekayo kwakhona kufuneka ukuhlangabezana iimeko ezithile. Yena kufuneka abe ngummi wesinyibilikisi ubuncinane ngamava yonyaka. Kwaye ke kubhetele ukuba luyeke ngetyala ukuba imivuzo iphantsi, kuba nyanga nganye kuya kufuneka ukuba anike ukuya kwi-45% yomvuzo wakhe.

Nge inxaxheba equity

Uluhlu, edwelisa iindidi nezivumelwano zokubambisa, ngakumbi lo wesibini. It unezizathu yayo. Mortgage equity inxaxheba - oko kukuthi, enyanisweni, imali-mboleko yokuthenga izindlu endlwini elisanda kwakhiwa. Kwaye, ngenxa yokuba lo isakhiwo nalo ukusebenza, amaxabiso enjalo izindlu nge-20-30% zitshiphu kunesiqhelo.

Lo mgaqo kule meko yahluke kancinane ezidlulileyo. Okokuqala, umntu akhethe umakhi. Yena uya kumthumela uluhlu iibhanki ukuba ngokuvisisana nayo. Phakathi kwaba bantu ukhethe lowo unika amagama kuFeliks ngetyala. Inguqulelo yesibini efanayo, kodwa yinto okwahlukileyo. umntu wokuqala imisela ebhankini, uze ukhethe umphuhlisi - ukusuka kuluhlu ukuba wanikwa apho.

Noko ke, kule meko, kukho neengxaki, kakhulu. Umzekelo, indawo ephakamileyo umyinge wenzala (1-2%), imihla esikiweyo ukulibaziseka kwale nto. Noko ke, bawo yonke indawo.

Ukuze ezincane

Kwiminyaka yakutshanje, oko babawa eninzi baduma ke olu hlobo mboleko. Mortgage kunceda abantu abaninzi, ingakumbi xa izindlu kufuneka usapho abaselula. Eyona nto ibalulekileyo kukuba abasemagunyeni isixa-mali abantu ahlawule isavenge sokuqala. Ngaloo ndlela ujika kukunciphisa imali-mboleko.

usapho engenabantwana ama-30% yexabiso lentengo. Abantu abaye babe nomntwana - 35%. Ukuphumeza ukuncipha sokubambisa, kufuneka ufumane kuluhlu lokulinda. Xa ithuba lentsapho elithile, anikwe isiqinisekiso ukwenzela ukuthenga zokuhlala. Le - umendo izavenge lebhanki semali-mboleko yokuqala.

Kufuneka wazi ukuba izibini ezincane zezo apho umntu ngamnye kungekho ezindala ngaphezu kweminyaka 35. Banikwa-mboleko ukuya kuma kwiminyaka engamashumi amathathu. Kodwa ke kungakho ukulibaziseka (lo ngomnye plus liboleke concessional), kunye nabo kuya kuba malunga 35 neminyaka. Noko ke, ukufumana-mboleko, kufuneka ihlangabezane iimeko ezininzi. Lokuqala - ngamnye amaqabane kufuneka ibe ngummi Russian Federation. Engqesho esesikweni, kunye umthombo wengeniso, leyo zingangqinwa isatifikethi. Ubuncinane iminyaka yomntu ngamnye - eyi-18.

Credit ngenxa kukuphuculwa kweemeko zokuphila

Esi sihloko kumele ukuba kuqatshelwe ingqalelo, ukuthetha malunga neentlobo mortgages. Izindlu, abantu abaninzi sele unayo, kodwa kudingeka umkhaya okanye ukwandisa isithuba ephilileyo okanye ukuphucula iimeko. Imiba efana bakholisa isonjululwe nje. Abantu athengisa indlu, ezo ngoko imali yokuthenga enye ipropati, ukuhlawula imali engaphezulu, ekhutshwe ebhankini njenge-mboleko.

Inzuzo ephambili yolu hlobo mboleko ukuba ikhuphe ngaphandle mali kunye amthume. A ngakumbi ngokubanzi eyenziwa iinkqubo zasekuhlaleni kunye federal, ngokubonelela iimeko azivumi ukuba ootitshala, umzekelo, iintsapho kunye nabantwana abaninzi, njl Ngaphezu koko, adunyiswe kukuphuculwa kweemeko zokuphila anganika, nkqu ngaphandle koncedo umsebenzi osisigxina. Kunye namazinga enzala asezantsi.

Ulwazi bokufika

Abantu abaninzi abangabemi bamanye amazwe abanomdla umbuzo - nokuba kunokwenzeka ukuba mortgage nge-mvume lokuhlala? esinomdla isihloko. Kaloku, ukuthenga indlu, nabani na angakwazi kwi Russian Federation. Kodwa apha le nto ukuba isixa-mali esipheleleyo, kwaye uthatha-mboleko, kuba nzima kakhulu. Amaziko Financial abakuthandi ukuba transactions bolunye uhlanga, ekubeni azinayo ubumi Russian, yaye ngenxa yoko, kulula ukuba ushiye ilizwe, ukuba ahlawule amatyala. Kulo mba, iibhanki ukuba ngokuqinisa iimfuno zabo kangangoko kunokwenzeka kwi ngokunxulumene kubaboleki. Nangona kunjalo, kukho iibhanki ezijongwa kubarhafi onyaniseke bezinye iintlanga. Kodwa mortgage jikelele kwi mvume yokuhlala kuyinto yokwenene. Kodwa uyakwazi onokumxelela malunga neemeko ngokubanzi.

izidingo

Kaloku, ukuba uhlanga lenze isigqibo sokuba athathe mortgage nge-mvume lokuhlala, kufuneka, okokuqala, kuba baqeshwe ngokusesikweni eRashiya. Kwakhona ukuhlawula iirhafu kwaye kufuneka ubuncinane iinyanga ezintandathu amava emsebenzini kwi-Russian Federation. Ngaphezulu kuya kufuneka zibonakalise ukuba njengabaphambukeli kwiinyanga ezili-12 elandelayo iza kuba ukusebenza eRashiya. Unako unganikeza nje isivumelwano kunye nomqeshi kunye kwingxelo yengeniso. Ubudala nayo ibalulekile. Eyiyo - phakathi kwama-25 ne-40.

Kodwa ezinye iibhanki baye phambili iimfuno ezongezelelweyo. Umzekelo, amava omsebenzi isezantsi eRashiya kungenzeka kweenyanga ezi-6, kunye neminyaka emibini okanye emithathu. Kwaye ke intlawulo yokuqala, ngesiqhelo-10%, uya kwandisa ku-30%. Angafuna guarantors okanye kubaboleki ezidityanelweyo (abemi Russian). Kwaye impahla kwabalelwa Bank ukuba bazithoba imali. Kanti ke, Kakade ke, uya kwandisa izinga lenzala. Ngokubanzi, kunzima ukuba basemzini esiya mboleko.

Iintlobo mboleko mortgage yahlukile bokuqonda ethile, nokuba le meko - hayi ngaphandle. Owasemzini kuya kufuneka ukuba bahlanganise iphakheji amaxwebhu, ukongeza umgangatho (izatifikethi yengeniso, ubude kwenkonzo, izivumelwano kumqeshi njalo njalo. D.). Uya kudinga yokundwendwela yakho yoluntu kunye ikopi kubameli kunye inguqulo Russian. Kwakhona - imvume ukusebenza eRashiya ukuba angene elizweni (visa). Kwaye kusafuneka ikhadi ukufuduka kwaye ubhaliso kule ngingqi apho kukhutshwe imali-mboleko.

sebheyili

Yinto eyaziwayo: ukufumana imali-mboleko, kufuneka unikeze ibhanki ixabiso ethile ukuba akwazi ukukhetha up letyala lakhe ityala eliseleyo (ukuba Mhlawuli akanako ukuhlawula imali). Ingaba aziyeke kunye nezivumelwano zokubambisa. Uhlobo izibambiso kulo mzekelo - yinto ezithengiswayo. Kwaye ezimisele ukufumana umntu ethatha mboleko.

Yonke into elula. Indoda ulungisa mboleko ebhankini (okanye elinye iziko zemali), kunye nemeko ukuba igumbi zithengwa kwi imali eyabelwe, kwaye uya kwenza besibini. Abaphumeleleyo zonke nxaxheba yingisela. Ekugqibeleni ke umboleki ufumana imali yokuthenga indlu. Bank ifumana inzuzo ngohlobo iintlawulo umyinge wenzala, yaye ngenxa yokuba isitshixo Abona yokufumana izindlu, kunciphisa ubungozi emiselweyo.

Ke yonke into yenziwa amanyathelo aliqela. Okokuqala, umxhasi ofumana imvume ebhankini. Ke ikhetha indlu, ukufunda iimarike zaseprayimari nasesekondari. Emva koko - ahlole aze ukhuseleko nempahla. Yaye ekugqibeleni osayina isivumelwano, ufumana umvuzo imali deal, yaye ke abantu.

Kwi i "imigibe"

Ngoku kuyimfuneko ukuba ukuthetha ngayo umthwalo ngokohlobo mortgages. Igama kanye sele ifakwe kakuhle eli nkcazelo. Imise ngazo indlu, ezithengwe-mboleko, ezifana nezithintelo Amalungelo ubunikazi, kwakunye nokubeka phezu kwakhe yemfanelo efanayo.

Ukuze ukubeka nje, umntu basenokugqithisela izindlu zabo ukuze zisetyenziswe abanye yethutyana ukuba niwuhluthe, okanye zama ukuthengisa ukuze uhlawule ityala. Kodwa konke oku - kuphela ngemvume pledgee. Xa indima apho kule meko isebenza ebhankini. Zonke encumbrances abafundi umsebenzi zisusiwe kule ndoda xa ubavuza ityala lakhe. Ukususela mzuzu uba umnini ngokupheleleyo kule ndlu.

Ke ukuba, umzekelo, ufuna ukuba athengise ngayo xa ityala akayi lubuyiswe, kuya kufuneka uthathe unonophelo malunga bokuqonda. Ukongeza yesivumelwano intengiso, uxwebhu nokuhanjiswa iyafuneka, imvume pledgee kunye nengxelo ngamaqela isivumelwano esibhaliweyo.

I-inshorensi

Kuye sele ikhankanyiwe izihlandlo eziliqela ukuba lwezindlu athenga kufuneka inshorensi. It ngokwenene. Zeziphi iintlobo ze-inshorensi kunye mortgage? Ababini kubo - bobabini ayisosinyanzelo kwaye yokuzikhethela.

Ngoko ke, ukuba ahlawule-inshorensi kuyo nayiphi na imeko kuyimfuneko. Kodwa le - iindleko phantsi. Ngokomthetho, i mboleki kufuneka inshorensi mortgage kuphela, okt, tyaba, kuthengwe ngayo imali-mboleko sithathwa. Ngokuqhelekileyo malunga 1-1.5% yabo bebonke.

Ukwenza inshorensi olongezelelweyo ifunyenwe ukukhusela yezindlu umonakalo nelahleko. Kodwa - isihloko yokulahlekelwa amalungelo obunini, nto leyo kwenzeka ngenxa yobuqhophololo okanye ukuthengisa kabini. Ekugqibeleni, nkqu ubomi nempilo umxhasi likhuselwe. Ngapha koko, ikhredithi ngenxa yokuthenga izindlu sithatyathwa-avareji yeminyaka 10-15. Lixesha elide, kwaye ngeli xesha umntu inokwenzeka naphi na, kuba ubomi engalindelekanga.

Indlela anokungenelwa ngayo?

Kaloku, lo mortgage buyanceda kuphela neebhanki kunye ababhekisi phambili, kodwa kubaboleki nabo bafuna ukuba abanjwe. Kwaye ukuba ufuna ukugcina imali, kungcono ukuba lingaboleka imali kuba lifuna thuba lifutshane kangangoko ixesha. UNcedo kungabalelwa yi umzekelo olula. Masithi umntu ethatha engange million 1 mboleko ngomyinge wenzala we-13% ngonyaka. Ukuba wathabatha esi sixa iminyaka emihlanu, ngoko ke kuya kufuneka ukuba inyanga 23 000 engange, yaye ekupheleni egqithisileyo kuya kuba 366 000 p. Cwangcisa mortgage kangangeminyaka eli-15, uya kuhlawula 13 t. P. Lincinci! Ewe, kodwa kuphela xa efika kuqala. Ngokutsho iziphumo, yena overpay 1.3 yezigidi engange. Ngoko ke umbuzo zokulinganisa, kufuneka wenze isigqibo sokuqala bonke.

Kodwa kuthekani zonke iinketho ezidweliswe ngaphambili kungcono? Unakho bathi ixesha elide, ukuhlela ngobuhle nangobubi bawo. Wonke - lakhe. Kodwa ukuba bagwebe nangengqwalasela enkulu, ukhetho kunye nokuthengwa zezindlu ezakhiwayo - engcono. Okokuqala, unako ukusindisa kakhulu - ukususela 1/5 ukuya 1/3 lilonke. Kwaye egqithisileyo njenge rate 1-3% apha ukudlala indima ekhethekileyo. Okwesibini, awukwazi ungaboyiki ulibaziseko ngokwalo lokugunyazisa. Ngoku iibhanki babe izivumelwano kuphela nabaphuhlisi oluthembekileyo, kuba iingozi sakugcina. Kodwa ukusombulula, kwakhona, wonke umntu kufuneka umnikazi.