Inqubo kanye esigabeni sokubhaliswa mortgage ku Savings Bank

Nokuthathelwa emindenini eminingi ubhekwa ukhetho kuphela ukuthengwa emizini yabo. inqubo yokubhaliswa kuthengiselana kuhilela izinyathelo ezimbalwa. Kubalulekile ukuba alungiselele ukuba kugcwaliseke zonke izinkambiso komthetho. Izigaba Sberbank mortgage kuyinto cishe kuyafana nezinye izikhungo credit.

inqubo kanjani?

ukuthola abatshelekayo nezezindlu akazitholi wenziwa isikhathi eside kakhulu uma ziqhathaniswa yesibili. Kuphela kudingeka ukhethe Umakhi ngubani imisebenzi ohlelweni we Savings Bank. thatha into ukuthenga mortgage, futhi izimali zidluliselwa yokufuna impahla.

Uma impahla kuthengwa evela kubanikazi bako langaphambilini, okungukuthi, emakethe yesibili, ngeke abe abatshelekayo eziyinkimbinkimbi Sberbank. Izigaba kulokhu kungahluka kancane.

Kanjani ukuqala umklamo?

izinhlelo kudingeka ukuhlwaya ngokuningiliziwe okunikwa amakhasimende. Kuyadingeka ukuba ugxile izimfuno ezenziwe kuya ababoleka. Kuphela uma kuzodlula ngokuvumelana izigaba yokubhaliswa mortgage ku Savings Bank.

Ngu izidingo zihlanganisa:

• Ukufinyelela engu-21 ubudala, kodwa abekho iminyaka engaphezu kuka-55 ngosuku lokubhalisa.
• ukubhaliswa State endaweni Ukukhishwa loan.
• Umsebenzi nakho - okungenani 1 ngonyaka esedlule 5 iminyaka, futhi izikhundla lokugcina - okungenani ezinyangeni eziyisithupha.

Ngamanye amabhange abeke izidingo ezifanayo, kodwa kungase kube nemigomo nemibandela engeziwe. Ngokuvamile eziyithola ngokusebenzisa isayithi noma nguchwepheshe.

Ucwaningo ingcebo market

Ukuze zidlule zonke izigaba yokubhaliswa mortgage ku Savings Bank, kuzomele uqale ukufunda izakhiwo ahlinzekwa. Lokhu kuzokwenza anqume inani loan, okuyinto kuyodingeka ukubhalisa isicelo.

Imininingwane ingatholakala ngokusebenzisa ejensi ayisipesheli, ngokutadisha izincwadi emaphephandabeni, ku ze-Internet. Lapho siyazi intengo yezindlu, izobheka kungenzeka ukukhokha isitolimende sokuqala izindlela zabo. Ukuze izinhlelo eziningi kudingeka wenze umnikelo kokuqala 10-20%. Ayanda nenani, ephansi izinga.

isofthiwe ukuhlaziywa

Udinga ukukhetha uhlelo lokufeza yokubhaliswa mortgage ku Savings Bank. Isidingo okulandelayo ukwenza izinyathelo kuphela uma izimo ngesikweletu ziyaneliswa ngokuphelele. Savings Bank inikeza imikhiqizo mortgage 8 ezimakethe zamabanga aphansi naphezulu. Kukhona izinhlelo imikhaya abasha, amasosha, ngokusekelwa isimo. Ungasebenzisa futhi imali yenhloko-dolobha umzali.

Izinga elihle kunawo ahlinzekwa uhlelo "Mortgage nokusekela umbuso" - 11.9%. On ke ungakwazi ukuthenga ekhaya emakethe ngokuyinhloko Onjiniyela ethize. Inani eliphelele mortgage - ruble 8 million ukuthengwa ingcebo esifundeni eMoscow, eSt Petersburg. Ngamanye nemizana esiphezulu ruble ayizigidi ezingu 3.

Thatha tindlu yesibili emakethe intando ebolekiswe ku-i senzalo ka-12.5%. Ubukhulu bayo kunqunywa iqhaza project iholo Sberbank, ukukhokhelwa phansi, isikhathi sokukhokha.

Ukuhlolwa izinto ezibonakalayo

Ngaphambi kokuya kuzo zonke izigaba kokubhaliswa mortgage ku Savings Bank, kubalulekile ukuhlola amakhono abo. Lokhu kuzosiza ukunquma ukuthi zinjalo yini isimo sezimali draw futhi imali ebolekiwe. Ungasebenzisa wokubala, okuyinto kusayithi.

Nikeza ulwazi mayelana iholo, izindleko, izindleko into, ucacise isikhathi, inani lokuqala yokukhokha. Emva sibalo, ungakwazi ukuthola usayizi izinkokhelo, overpayments. I wokubala uzokunika lemali loan ukuthi lo muntu obolekayo zingathola ngesisekelo imali yabo. Izibalo ezibhekwa wokulungiselela, ngakho ulwazi esinembile kubalulekile ukuthola eMnyangweni Sberbank. inkokhelo ikhasimende kumele singeqi 50% imali yayo.

uhlu kwemibhalo

Ukuze udlulisele esigabeni sokubhaliswa mortgage ku Savings Bank e ukwakha isakhiwo esisha, udinga ukunikeza isicelo umnyango. Kanye ke amadokhumende alandelayo ayadingeka:

• Ikhophi iphasiphothi.
• INN.
• Isitifiketi sokubhalisa.
• Ubufakazi engenayo.
• Ikhophi yencwadi umsebenzi.
• isitifiketi Umshado.
• isitifiketi sokuzalwa sengane.

Ingadinga kanye namanye amadokhumenti. Ukucutshungulwa isicelo kwenzeka ezinsukwini ezingu-3-5. Isinqumo isebenza izinsuku ezingu-60.

Kukhethwa ingcebo

Uma isinqumo esihle kungaba kwenziwe abatshelekayo ku ibe nemizi emibili. Izigaba Savings eqala ukwenza okufanayo njengoba impahla eyinhloko. Nge ukwamukelwa isicelo empeleni iyokwaziwa ngisho ngenani ngu iklayenti kufanele siqondiswe ukukhethwa into.

Ukucinga yokuhlala nguwe noma ungathatha ngosizo Realtors. Kufanele ancike izidingo ebekwa yasebhange impahla:

• Akufanele kube esiphuthumayo, agugile noma ihlelelwe ukubhidliza izakhiwo.
• Ayimpoqo khona ukuxhumana.
• Kufanele kube khona ushintsho emthethweni.

Ngaphandle kwalokho, asinakuba ingenzele ingcebo sokubolekwayo. IBhange inikeza ukukhetha izinto ezivela kozakwethu, kusukela ngaleso sikhathi isicelo kungenzeka sivunyiwe.

amarekhodi impahla

Lapho impahla ekhethiwe, kubalulekile ukuba isivumelwano kwangaphambilini nomnikazi. Ibhange kumele bathumele imibhalo ngale ndaba:

• Ukuthengwa sivumelwano.
• Idatha ishidi izindlu.
• Okukhishwa ezinhlamvwini Unified State Register.
• Ukuqinisekiswa ukungabikho sikweletu Umbuso izinkokhelo.
• Ikhophi umdayisi iphasiphothi.
• Ikhophi ye-akhawunti.

Savings Bank Isevisi yokuvikelwa bahlola imibhalo, ahlolwe ingozi mortgage. Khona-ke isilinganiso impahla. Khona-ke isinqumo, inqubo isiqalisile obolekisayo. Ngemva kwalokho, angase izinyathelo ezilandelayo lwenziwa ukuthola a mortgage Savings Bank. Lapho ababoleka ucingo DDU? Isinqumo uhlelo lokusebenza inkontileka a ukwakhiwa ngokuhlanganyela ngemuva kokubuyekeza ke.

Ukusetshenziswa dolobha womama

Zonke umndeni emva kokuzalwa komntwana wakhe wesibili bangathola dolobha womama. Unina esetshenziswa umhlalaphansi, imfundo kanye ngcono kwezindlu. Izigaba yokubhaliswa mortgage ku Savings Bank ngaphansi inhlokodolobha womama ziyefana ekuklanyweni ejwayelekile. Badinga kuphela ucacise lokhu isicelo futhi sinikeze ubufakazi balokho ukusetshenziswa leli lungelo.

Ngosizo inhlokodolobha umzali uzokhokha iphuma okokuqala ku ukucutshungulwa loan. Zisetshenziswa uma kwakhiwa kabusha izindlu nokukhokhwa kwezintela yentengo yesivumelwano. Kungaleso sikhathi kuphela lapho kudingeke silinde ingane ukufeza triennium. Isitifiketi ingasetshenziswa ukukhokhelwa uthishanhloko kanye nesithakazelo mortgage. Kulokhu, akudingekile ukuba ulinde eminyakeni emithathu ingane.

Ukuze ukusetshenziswa womama dolobha ukukhokha isitolimende sokuqala ngemuva kokuthola nesivumelwano sokubolekwa kubalulekile ukuba ngilidlulisele Pension Fund, ukusebenzisa ukuze kulahlwe imali yokukhokha mortgage. Isicelo kubhekwa ngaphakathi ngenyanga, futhi kabili nje ku ukudluliswa kweemali ebhange.

Ukuthengwa nokudayiswa

Lapho uziqede zonke izinyathelo ukuthola mortgage ku Savings Bank izindlu ngaphansi ukwakha, ukuthenga ababulawa nokudayiswa. Kuyadingeka ukuba afeze basayine izivumelwano: yokuqashisa iseli ebhange, ukudayiswa, ukuthola imalimboleko ebhange.

Lapho le mibhalo yabhalwa, ukubala wenziwa ngoba othengiwe: umboleki kwenza zokukhokha kuqala, okuyinto idluliselwe umdayisi, noma esebenzisa ukuthuthela eqashiwe idiphozi ibhokisi. I-EFT noma imali ekhishwe ngaphansi mortgage. Imali izotholakala ngemuva nomthengisi reception dokhumenti futhi ukudluliswa kwe-ukubhaliswa ingcebo kanye nokubhaliswa into ezithengwe umboleki.

amalungelo Registration

Ekupheleni umboleki kumele uhlele yokuhlala bona. Ilungelo impahla ebhaliswe Rosreestra. Njengoba isitifiketi sokuqinisekisa liyakushunyayelwa esikhishwe othengiwe. Khona-ke kudingeka akhiphe inkontileka yomshuwalense siqu kanye umshwalense izibambiso.

Ngemva kwalokho, kokwenziwe ngokugcwele ligcwaliswe. Ezezindlu iba yindawo yoMkhandlu umboleki. Ukubhaliswa mortgage ikuvumela ukuba ngumnikazi izindlu kulabo awukwazi ukuthenga it kusukela Kubiza. It uhlala kuphela ukwenza inkokhelo ezifike ngesikhathi ke.