Ithengwa kanjani i-ifulethi, uma kungekho imali, umndeni abasha?

Ngokuvamile, imikhaya abasha babe azulazule owawuholela kwelinye ikamelo elincane, noma uhlala nabazali babo, yingakho inani labantu abahlukanisayo liyakhuphuka. On a izindlu ahlukene imibhangqwana eminingi ungakwazi kuphela baphupha, kodwa emakubo - lena elivunyelwa iphupho okumele izuzwe! Ithengwa kanjani i-ifulethi, uma kungekho imali? Yilokho inkinga, futhi iyophendulwa kule athikili.

Isigaba kahle phezu kwezinye zilindele amafulethi ukukhiqizwa

Ukuphupha ngani ifulethi udinga ukulungisa, okungukuthi ukupenda amaphupho abo phezu imigomo kanye nezimpokophelo ezifanayo. Futhi ngakho udinga ukuphendula imibuzo elandelayo.

• Le ndlu uzobe wathenga i-ukheshe noma ukuthatha loan? Uma Cash, wenza uhlu lwabantu abangathanda amukele yayivamile inzalo yemali-izikweletu, noma ngaphandle kwazo, futhi kuba isikhathi esingakanani. Uma athathe isikweletu, amabhange kumele abhalise (igama, imininingwane yokuxhumana kanye mortgage nge rate eside).
• Kukuziphi izici ufuna ukuthenga ikhaya? Mangaki amakamelo izoba indlu? Yini kwafunwa ndawo?
• Yimalini udinga izindlu endaweni oyifunayo? Ngokwesibonelo, ufuna ukuthenga efulethini 1 enamakamelo, ngakho othile endaweni prozvanivatsya zonke izikhangiso, ukucacisa inqubomgomo zamanani.
• Ngingabakha kanjani ubuhlobo i imali eyengeziwe? isikhathi esingakanani edingekayo ukuze uthole lemali edingekayo?

Lesi sigaba ihlala nje umndeni abasha ngeke uthole mortgage noma cha ukuthenga indawo. Ngakho-ke, kungase kuthathe iminyaka embalwa noma izinyanga ezimbalwa. Kodwa kudingeka bahlale azi! Okungukuthi, amabhange kunezenzo ezahlukene ezingaba ibhekane umndeni amasentshana ruble 15-20,000 ngenyanga ngaphandle guarantors.

Noma ukuhlangabezana indlu lapho abanikazi ukuth ukuhambisa ukuyohlala kwelinye izwe futhi adayise ifulethi elite nge ifenisha ngodenariyu. Kodwa ukuze 'nenhlanhla ngomsila ", kudingeka bahlale ukushaya wonke amabhange, nengangibajwayele kanye nezikhangiso yangasese.

Ithengwa kanjani i-ifulethi, uma kungekho imali bengatshelekwa?

amabhange abaningi abakuvumeli imikhaya abasha ngenxa yeholo lazo ongaphakeme. Ngokwesibonelo, ngo-Sberbank nezidingo elawula of mortgage: ukuze umndeni 3 abantu imali kumele kube ruble engengaphansi kwengu-45 eziyinkulungwane, guarantors ezimbili imali alinganayo kanye nokuntuleka esikweletu eziningi inkomba imibhalo.

Kulokhu, indlela ukuthenga indawo ngaphandle imali? Ukucinga amabhange, lapho isabelo izakhiwo ezintsha (ku ezigxotsheni yesibili ziphakeme futhi kufunwe obuqinile), lapho umkhaya Iholo ngenyanga ruble ayizigidi 20 ungathola mortgage iminyaka engu-15 ne-12 per cent ngaphandle guarantors nge iphakethe ubuncane kwemibhalo (isitifiketi imali yentela ngemali engenayo womuntu izinyanga eziyisithupha, amakhophi passport yakho, irekhodi umsebenzi futhi imfundo idiploma). Lokhu kungenxa yokuthi phakathi nomkhankaso amabhange ukuthi uthathe hhayi ku-akhawunti izindleko umkhaya, futhi bheka kuphela uyabuya.

Sithatha a mortgage, lapho ukuthola imali imali?

Mortgage - lokhu kuyindlela eyinhloko ukuthenga indawo, uma kungekho imali. Ukuze uthole inkokhelo phansi liyadingeka okungenani ngo-10% yezindleko izindlu. Okwamanje, kukhona izinkampani ezakha izakhiwo ruble 950.000. Khona-ke, phezu inkokhelo yokuqala kwanele ukudayela ruble 95 000.

Le mali ungakwazi ezoshayelwa ngokheshi kwayona. Ngokwesibonelo, izinzuzo okukhulelwa kanye sokubeletha kungenza nenani lenkokhelo phansi. Uma umndeni ulindele ingane yabo yesibili, ke ungathola dolobha womama, ngenxa okuyinto kungenzeka ukunciphisa izinga mortgage.

Uma sinqume phezu isandla yasebhange phezu imibhalo bese ulinda ukuphathwa isinqumo. Emva kokuthola imalimboleko izinyanga eziningana (3-6) Kancane kancane ukuqoqa imibhalo for efulethini impahla, yini uzokweluleka Ochwepheshe sihluke inkampani-omakhi ebhange.

Ngakho-ke, ukuze afeze iphupho akho zigcwaliseka, kuzomele wenze plan of action, enesisindo zonke izinqumo, futhi ukuya target, ngaphandle kokuvala, ukuthola amathuba amasha! Kuphela kuleli cala, lo mbuzo: "Indlela ukuthenga indawo, uma kungekho imali, nje kweminyaka embalwa?" - ungafaki ngawe ekupheleni efile.