I-OJSC AKB Svyaz-Bank ", i-military mortgage: izimo, ukubala

Manje amabhange amaningi anikezela ukukhipha imali. Futhi njengoba kunezisebenzi eziningi ezisezempi ezweni lakithi, kunezinhlelo ezikhethekile kubo, okuvumela ukuthola inzuzo yezindlu. Ungafaka isicelo semali mboleko ukuthenga impahla ku-OJSC Svyaz-Bank. Isitoreji semali esikhungweni sinikezwe kusukela ngo-2011.

Mayelana neBhange

I-OJSC "AKB" iSvyaz-Bank "yaqala ukusebenza kusukela ngo-1991. Ngaso sonke isikhathi lesi sikhungo sezezimali sinesimo sesikhungo esikhulu sesikweletu. Kunamagatsha angu-50 eRussia. Inkampani eyinhloko yezinkampani ezihlanganyelwe yi-Vnesheconombank, eyinezabelo zenkampani.

Lesi sikhungo sisebenzisana namabhizinisi asezindaweni ezahlukene zomnotho. Umlingani oyinhloko yi-FSUE Russian Post, enamahhovisi amancane angu-51 eSvyaz-Bank. Imisebenzi esemqoka yilezi:

• Isevisi yabantu ngabanye kanye nezinhlangano zomthetho;
• Ukuxhasa ngemali;
• Ibhizinisi lamazwe ngamazwe.

Ukuboleka kuyinto ebaluleke kakhulu eSviaz-Bank. Imali yokubolekwa kwempi ibhekwa njengesiqondiso somsebenzi omusha. Izinkinga zenhlangano zihlose ukubolekwa kwemali kubasebenzi, abahlanganyeli ohlelweni lokuqoqa imali. Ibhange likhonza amabhizinisi amancane naphakathi.

Nakuba ama-servicemen amaningi anikezwa izindlu, abanye kudingeka balinde isikhathi eside. Khona-ke izinsizakalo zebhange zizosiza. Ebhange ungasebenzisa uhlelo oluzuzisa, futhi ukhethe indawo yokuhlala. Isicelo sithathwa ngokushesha, ngemuva kwalokho isinqumo senziwe.

Ukubamba iqhaza ohlelweni

I-OJSC "I-Svyaz-Bank" inikeza abasebenzi bezempi imali yokukhokhela imali okufanele bahlanganyele ohlelweni lwemali ekhokhelwa imali. I-FGUU "I-Rosvoenipoteka" ikhokhela imali njalo ngonyaka ukuya kuma-akhawunti wezempi.

Uma sekuyiminyaka engu-3 kusukela ekuqaleni kokubamba iqhaza, imali ingasetshenziselwa ukuthola imali. Abahlanganyeli balesi simiso banelungelo lokusebenzisa imali yokukhokha kokuqala, kanye nokukhokha isikweletu. Ukukhokhwa kwezinkokhelo zenyanga zonke kuqhutshwa ngosizo lwezimali zombuso.

Imigomo yokubhaliswa kwekhredithi

Ukuhlinzeka ngemali yokukhishwa kwempi kungenzeka kuphela ngesisekelo sezimiso ezilandelayo:

• Inani elisezingeni: 400 000 - 2.2 million ruble.
• Isilinganiso: 9,5-11,5%.
• Isikweletu: iminyaka engu-3-20.
• Ukuphepha: Izindlu ezithengiwe.
• Ukutholakala kokukhokhelwa kwangaphambi kwesikhathi ngaphandle kokukhokhwa ngokwezimali.
• Awekho amakhomishana engeziwe.
• Kubhaliswa kwemishwalense yomhlaba kuyadingeka.

Uhlelo lwenhlangano likuvumela ukuthi uthenge i-real estate emakethe eyinhloko neyesibili. Kuyinto isevisi ye-OJSC Svyaz-Bank, imali yokubolekwa kwempi, ezozuzisa ekuthengweni kwezindlu. Izibuyekezo ziqinisekisa lokhu. Iningi lala maklayenti liyizwi elihle kangaka. Izinga lokuboleka imali alithengi kakhulu. Ababolekayo bangakhetha isikhathi lapho inkokhelo izokwenziwa khona.

Ukusebenzisa i-calculator

Kuwo wonke amakhasimende, usayizi omkhulu weboleji lubekwa ngabanye. Qinisekisa kuzosiza ikhompyutha eyenza ukubalwa kwe-intanethi. Kubalulekile ukugcwalisa yonke idatha: isikhathi sokubolekwa kwemali, intengo yendawo, uhlobo lwezindlu, inhloso yomboleko kanye nokukhokha okuphansi. Emva kwalokho ungathola ukuthi yimali eyonikezwa iklayenti.

Kuphela uma konke kuhambisana, kungakhiwa isiteleka sempi. Inani lokukhishwa lixhomeke emandleni omboleki (zingaki zenyanga izokwazi ukwenza imali). Isilinganiso sinqunywe kusuka esilinganisweni sesitatimende sokuqala, izici zezindlu kanye nesikhathi sekhontrakthi.

Isikhathi sezempi esakhishwe isikweletu isikhathi sokukhokhwa kwezikweletu akufanele sibe ngaphezu kweminyaka engama-45. Uhlelo luhlanganisa zonke izifunda lapho kukhona "iSviaz-Bank". Imali yokubolekwa kwempi isungulwa kanye nomshuwalense. Uma iklayenti enqaba le nsizakalo, khona-ke inzalo yenzalo iphakama.

Ukuthenga impahla ekwakhiweni

Noma iyiphi indlu, eyinhloko noma eyesibili, ingahlawuliswa ku-Svyaz-Bank. Ukukhishwa kwempi kuhlinzekwa ngokuthengwa kwezindlu, okwakhiwa. Lokhu kuphela kufanele kube izakhiwo ezintsha ezivunyelwe ngaphansi kwenkontileka yokubandakanya ukulingana.

Lezi zihlanganisa i-LCD "Nekrasovka Park", "Zhulebino" ne-M-House eMoscow. Uma ucabangela izindlu esifundeni saseMoscow, khona-ke ngesikhathi sokwakha singathengwa ku-LCD "Sacramento", mikrn "Katyushki", iLCD "Pearl".

Amanye amadolobha

Ungathenga izindlu ezikweleta nakweminye imizi esikhungweni esinjengeSvyaz-Bank. Ukukhokhelwa kwempi, ukubuyekezwa okukuyo kuphela okulungile, kunikezwa eB Blagoveshchensk, eKaliningrad, eRostov-on-Don, eKrasnodar, eSmolensk.

Abathuthukisi abavunyelwe bafaka i-LLC "Lexion Development", i-GC FGC "Umholi", LLC "i-Investtrast". Uma ukhetha laba bakhulisi, ungafaka ubuqotho benkampani yokwakha. Lokhu kubangelwa ukuthi bonke bayagunyazwa eSvyaz-Bank, ngenxa yamakhasimende angaqiniseka ngawo.

Inqubo yokubhalisa kwe-Mortgage

Ukuze uthole imininingwane yesevisi, ungaxhumana noSvyaz-Bank. I-Moscow inezinhlamvu eziningi. Kukhona ihhovisi emgwaqweni. UTverskoy, indlu engu-7, eduze nomgwaqo omkhulu waseWarsaw, indlu 37, emgwaqeni. Lobachevsky, indlu 114. Ebhange ungagcwalisa isicelo. Uzodinga futhi ukuhlinzeka isisebenzi ngemibhalo elandelayo:

• Ipasipoti ye-Russian Federation;
• Isitifiketi somhlanganyeli we-NIS;
• Idokhumenti eyengeziwe: i-SNILS, i-TIN noma ilayisensi yokushayela;
• Ibhuku lomsebenzi.

Lapho ukwakhiwa kwezindlu ezifanele, udinga ukunikeza isitifiketi esiqinisekisa indawo. Uzodinga futhi ipasipoti yesikhala esiphilayo, imibhalo mayelana nabanikazi befulethi. Lapho ukuhlolwa kwezindlu kuzokwenziwa, isisebenzi kufanele sinikezwe umphumela ngemvume yokuthengisa leyo ndawo.

Iklayenti kumele inqume ukuthi idinga yini umshuwalense. Uma kuvunywa imvume, khona-ke kuyadingeka ukuthi usayine imibhalo. Ekugcineni, kumele uthumele inkontileka ku-Rosvoenipoteku eMoscow. Lokhu kuyadingeka ukuze kudluliswe izimali. I-Mortgage yenziwa isikhathi eside ngokwanele, njengoba kubalulekile ukuqoqa amaphepha amaningi. Kodwa inqubo ngokwayo ayiduze.

Ubufakazi beKhasimende bubonisa ukuthi izimo zebhange zinenzuzo enkulu. Ngenhlelo enjalo, amasosha angathenga izindlu ezifanele ngenani elincishisiwe. Abasebenzi besikhungo bavame ukusiza ukukhetha isikhala sokuhlala ezindaweni ezahlukene, futhi ubhalise ngokuthengiswa ngokushesha ngangokunokwenzeka.

Izinsizakalo zeBhange

Ngaphezu kokuhlinzeka ngemali yokukhokhela imali, iSvyaz-Bank inikeza nezinye izinsiza. Inhlangano inikeza ngezinsizakalo zokudayiswa. Ibhange linikeza ukuhweba kwe-intanethi, okuvumela ukufinyelela kwamasevisi kwimodi ye-intanethi. Inhlangano yenza isevisi yamakhasimende ezindala .

Ebhange ungathola ama-deposit azuzayo namalimboleko. Futhi, amaklayenti anikezwa amaphrojekthi omholo. Ibhange leselula, insizakalo yebhange iyatholakala. Labo abafisa ukuba ngabanikazi bezimoto bangafaka isicelo sokubhaliswa komshuwalense wezimoto. Zonke izinsizakalo, kuhlanganise nemali yokukhokhelwa kwempi, zinikezwa ngemigomo eyamukelekayo.