Iyini iphesenti lemali yokubolekwa kwemindeni yesibili?

Izibalo zika-2016 zichaze iSberbank yaseRussia njengomholi wenani lemali ebolekiwe yokukhishwa kwemali ngenxa yokuthembela kwengxenye ebalulekile yabantu. Inqubomgomo yebhange likahulumeni ngo-2017 ihlose ukwakha zonke izimo ezidingekayo izakhamuzi ukuba nethuba lokuthola imali yokubolekwa kwempahla ngenani elincane.

Ukubolekwa kwemali ngenye yezingxenye eziyinhloko ohlelweni lokuboleka izimali ngenhloso ekhethekile. Ngemuva kokudlulisela imali ekuthengweni kwezindlu, izindlu ziba yisibambiso (isibambiso) sebhange njengesiqinisekiso sokubuyisa isikweletu. Iyini iphesenti lemali yokubolekwa kwemindeni yesibili?

Umqondo wesilinganiso senzalo

I-Bhange ibeka umyalelo owodwa wezintshisekelo kumalimboleko wekhredithi ngayinye ekhishwe. Izithakazelo zenzalo yiyona nto eyinhloko yokukhokha, ububanzi bazo kusukela ku-7 kuya kwezingu-12% zokubolekisa ngemali yangaphandle, futhi kusuka ku-8 ukuya ku-14% wemalimboleko ye-ruble.

Lapho ubala inzalo, lezi zinhlayiya ezilandelayo:

1. Into. Ukutholwa kwezindlu zangempela. Lokhu kungaba yindlu yokuhlala noma indlu yangasese, kanye nengxenye yendlu noma indlu.

2. Imakethe yezimpahla zezindlu. Kulokhu - secondary. Okusho ukuthi, izindlu azitholakali endlini entsha, engakafiki.

3. Imali engenayo esemthethweni iboniswe ifomu 2-NDFL noma isitifiketi sefomu lebhange.

4. Amagama adingekayo . I-term of the mortgage yinde kunayo yezikweleti zabathengi.

5. Isikhotho sokuqala. Kubalulekile lapho izindleko zezindlu zidlulile, lapho izinga lesithakazelo liyehla.

6. Amasheya nezinhlinzeko ezikhethekile.

Iphesenti lemali yokubolekwa kwezindlu ezikhungweni zezindlu eziphakeme, kune-overpayment. Uma isikhathi eside sokukhokha, isikhathi esengeziwe sokukhokha kuyokhokha. Isibonelo, iminyaka engu-20 yokukhokhelwa kwemali, izindleko eziphindwe kabili zendlu yokuhlala zikhokhwa. Kodwa okunye ukuthi umuntu uyoba negumbi lakhe, futhi akudingeki anikeze imali eyengeziwe, aqasha igumbi - uzochitha imali ukuze akhokhe amamitha ayizikwele.

I-Mortgage yezindlu zasemakhaya: inzalo yamabhange

Intshisekelo yesikhwama semali yokuhlala endlini ka-2017 iyoxhomeka ezintweni ezinjalo:

1. Ubukhulu obubekiwe besilinganiso esiyisisekelo yiBhange Elikhulu. Manje i-11.5% (ihluka kuya ku-11.9%).

2. Ukuthunyelwa kwezinhlelo zikahulumeni ezintsha . Kusukela ngoJanuwari 1, 2017, izinguquko zenziwa kumazinga.

3. Isimo sezomnotho.

Uhlelo olulindelekile lwemali yokukhokhela imali ngo-2017 eSberbank luyisipho esikhethekile sokungabikho kwesitatimende sokuqala. Kunzima kakhulu ukuthi abantu bakhulise imali yokuqala, futhi izindleko zomshuwalense ezengeziwe kanye nokuhlolwa okuzimele kochwepheshe bezindlu ezingasuswa kuyodingeka.

Izinhlobo zamazinga ezithakazelo

Amaphesenti ahleliwe abhekwa njengokuvamile. Ukuzikhethela kwabo ukuthi bahlala bengashintshi kulo lonke isikhathi se-mortgage.

Kunezilinganiso ezihambayo, ezincike ekutheni isilinganiso samanani azo zonke izimakethe ze-interbank zokubaluleka kweYurophu. Njalo ezinyangeni eziyisithupha noma ngonyaka lowo obolekayo waziswa ngenani elisha lezintshisekelo.

Kukhona nezinga elihlangene, elihlala lingashintshi iminyaka embalwa yokuqala yomboleko, bese kungena emanzini athile. Leli nani lizuzisa umbolekayo, ngoba ikuvumela ukuba ugcine izimali kuze kufike isikhathi sokushintshwa komunye nomunye.

Kulowo nalowo msebenzisi wempahla, inzalo ibalwa ngayinye, okumele ikhokhe.

Ukubheka ukubuyekezwa, izinhlobo ezahlukene zezinhlelo ezinenani eliphansi lentela ezithakazelisayo zamakhasimende azo zikhethwe yi-Sberbank. I-mortgage yezindlu zangasese (yiziphi amaphesenti kuleli bhange - sizoxoxa ngezansi) isevisi ethandwayo, abantu abaningi abayisebenzisa.

Umqondo we-secondary real estate

I-Secondary yindawo yokuhlala, evunyelwe ngokusemthethweni ukuze isetshenziswe, eyayisetshenziswe ngaphambilini ukuze kube khona indawo yokuhlala yangempela yabantu.

Indlu yesibili akuyona isakhiwo esisha, kodwa indawo lapho umuntu evele ehlala khona, umnikazi (umuntu wemvelo noma omthetho) onelungelo lokuthengisa.

"IsiKhwama Esidala" asikho isidingo esingaphansi kwezakhiwo ezintsha. Lokhu kubangelwa intengo engabizi kakhulu isakhamuzi esivamile. Ngaphezu kwalokho, ukuthengwa kwezindlu ezinjalo kuyashesha kakhulu (kuze kube izinyanga eziyisithupha).

Lezindlu zidinga utshalomali oluncane kunalona oluyinhloko. Yenze noma yikuphi ukulungiswa, kukhona ukuxhumana.

Ngaphezu kwalokho, ububanzi bemakethe yesibili bubanzi kakhulu. Izintandokazi zomuntu kanye nezifiso zamaklayenti zicatshangelwa.

Izingozi kuphela uma uthenga impahla enjalo isheke elidingekile lazo zonke imibhalo yabanikazi kanye nezikweletu zomsebenzi.

Iphesenti lemali yokubolekwa kwemindeni yesibili

I-Sberbank inikeza ithuba lokuthenga indlu yesibili yokubolekwa kwezindlu kule migomo:

1. Isikhathi. Kuncike ohlelweni lwamanje. Futhi ilungelo lokubuyisela ekuqaleni linikezwa.

Imali yokuqala (kusukela ku-15 ukuya ku-20%). Ukwandisa umnikelo, ukwehlisa izinga lesithakazelo.

3. Imalimboleko encane (ngokulingana kwama-ruble ayizinkulungwane ezingu-300).

4. Umthombo wokuthola imali njalo.

5. Ubuzwe beRussia Federation.

6. Umlando wesikweletu esihle.

Ukusebenzisa ilungelo lokuxhaswa kahulumeni (imali yokubeletha, ukuxhaswa emindenini emisha, ukukhokhelwa okukhethekile kumasevisi).

8. Ukubalwa kokubuyiswa kwemali yesibambiso "i-mortgage calculator".

Uma ukholwa izibikezelo, umbuso uzoqhubeka ukusiza abantu ukuthuthukisa izimo zabo zezindlu.

Ukuthengwa kwempahla eqediwe

I-Sberbank inquma iphesenti yemali yokubolekwa kwezindlu ezisemakhaya kusukela ku-12% nge-loan encane. Kulesi simo, kunqunywa:

• lemali exhaswe ngokugcwele - angabi ngaphezu kuka-85% wezindleko ezilinganisiwe zezindlu ezithengiwe;

• Isikhathi semalimboleko singaphezulu kweminyaka engama-30;

• ukutshalwa kwezimali kokuqala kwe-20% yentengo yefulethini.

Ukubalwa kwephesenti yesikhala sokuphila sesibili kufana namanani ezakhiweni ezintsha.

I-Orient kulezi zibalo izosiza itafula elithakazelisayo lezindlu ezisezingeni eliphansi.

Iphesenti lemali yokubolekwa kwemindeni yesibili ixhomeke ezinkambisweni ezithile:

1. Isigaba somboleki. Abantu abangatholi amaholo kwi-Savings Bank, bakhokhela okunye okungu-0.5 kuya kwangu-1%.

2. Ukubhaliswa kwemali mboleko (enye i-1% yengezwa).

Ukuphila okuphoqelekile kanye nomshuwalense wezempilo. Ngaphezu kwalokho, izinga likhuphuke ngo-1%.

Ake sibambe imiphumela

Abantu bathini ngezinkonzo zikaSberbank? Inzalo ezindlini zokubolekwa kwezindlu zihlale ziphansi kunezinye izinhlobo zokubolekisa, futhi izidingo zababoleki zihlale ziphezulu kakhulu. Izinkokhelo ezingafani kanye nesilinganiso esinqunyiwe sesithakazelo njalo siwina. Impahla ingasetshenziswa ngaphambi kokuvuthwa. Iphesenti lemali yokubolekwa kwezindlu ezisezingeni eliphansi eSberbank ayilutho (kuze kube ngu-13%).