Izinkampani accredited: Ukuhlolwa amafulethi Sberbank

Kuze kube manje, Sberbank Yibhange ethandwa kakhulu phakathi kwabanye. Ngu isibalo sabantu abafuna usizo ekutholeni ezibhekene nemikhaya, ke oludlula umncintiswano walo emakethe yezimali.

Impahla ukulinganisa for mortgage obolekisayo - inqubo evamile. Lokhu kwenziwa ukuze sinciphise zonke izingozi kunokwenzeka. Ake sicabangele lowo ukuhlolwa kwe-efulethini iwukuba Sberbank.

Kuyini ukuhlolwa

Uma uthintane isikhungo sezezimali bengatshelekwa ku ifulethi umboleki angacela mayelana nokuthi kungani kudingeka enze ukuhlolwa kwe-efulethini? Ukuze Savings Bank kanye nezinye izikhungo obolekisayo - kungenye yezindlela uzivikele defaulters ezinonya noma labo ababoleka abazithola isimo sokungabi nathemba futhi ayisakwazi ukukhokhela izinkokhelo zenyanga.

Ngokwesibonelo, abanye mndeni wanquma ukuthenga indlu abatshelekayo. Kukhethwa senziwa, nje kudingeka imali. Abantu ujike ebhange, okuyinto ibanikeze lemali edingekile. Ngemva kwesikhathi, ngenxa izimo ezingalindelekile, kubonakala sengathi umndeni akakwazi ukukhokha izinkokhelo zenyanga. Ibhange ngenxa yokungakhokhi yokusetshenziswa kwesu izindlu abuyisele loan ikhishwe. Kodwa imali abadayise kungenzeka ingabi anele ulindele ukubuyiselwa yona iphelele esikweletini, futhi kuvela ukuthi isikhungo credit uye wasebenza a lokususa.

Futhi lokhu singesinye sezibonelo ezinjalo. Futhi uma izimo ezinjalo akuyona elilodwa noma amabili, ibhange uyomane hamba ayinamali. Yilokho nokuhlolwa owandulelayo komhiaba ukwakha isikhungo sezimali babekwazi ukubala zonke izingozi kunokwenzeka.

Kulandzelana kwalokucuketfwe lokuhleliwe kokuhlaziywa

Ukuhlolwa ezindlini e izakhiwo entsha Savings Bank - akunzima. Okudingekayo - is ukuba bazinike isikhathi futhi ulandele abanye-algorithm izenzo zabo. Okokuqala, kudingeka alungiselele yonke imibhalo kanye ethile umsebenzi ukuhlolwa.

Esinye kokuhlaziywa ukulandelana kuyinto efana:

1. Ukusayinwa imibhalo yokugunyazwa umsebenzi nokuhlola.
2. Inkokhelo engukheshi.
3. Ilinde lapho kulinganiselwa ekupheleni umsebenzi.
4. Thola umbiko.
5. Ukunikeza umbiko isikhungo credit.

Kuwufanele ngokugxila kancane on the inqubo nokuhlola yokukhokha. Ubukhulu bayo kuzohluka ruble 2 500. kuze ruble 3500. Konke kuzoncika isimo kwezindlu. Uma inkampani asihlole uyakuphuma ndawo, izindleko ukusebenza zingandiswa kuze ruble 6000. Timing ukulinganisa uhla kuya ezinsukwini eziyishumi ezintathu.

Njengoba kuboniswe umbiko

Njengoba kushiwo ngenhla, ukulungiselelwa kanye ukuhanjiswa umbiko - yilokho uphela ukulinganisela amafulethi Sberbank. izinkampani ezihlonishwayo asebenta nalelicembu isikhungo sezezimali esingenhla kufanele lukhombise embikweni ulwazi olulandelayo:

• Ulwazi mayelana khona kuvulandi noma Loggia.
• amavidyo Ubude kuzo zonke izakhiwo.
• Isimo lobuchwepheshe kwezakhiwo.
• uphahla ukuphakama.
• Ulwazi mayelana ipulani phansi, okumele kube nguye ekhonjiswe epulanini we BTI.
• Ulwazi mayelana amanzi, Ukushisa, ugesi.
• Unyaka ka ukwakhiwa, kanye impahla okuyindawo yenziwa, futhi uhlobo ukugqagqana.
• Ukuba khona yokupaka, ukubukeka kwayo.
• Ukuba khona izindawo ezingaphansi komhlaba.
• Uhlu amaphutha, le defectiveness yiziphi izakhiwo efulethini, edinga ukulungiswa olwengeziwe.
• Ulwazi mayelana nesimo isakhiwo sisonke - emnyango, lapho efulethini futhi ngaphambili.
• Ukuba khona iziteshi eziseduze ngesitimela, zamabhasi, endleleni, izitolo, izikole, izinkulisa, nokunye. D.
• Intengo ngamunye imitha square.
• Izikhombisi into.
• Izithombe Property.

amadokhumenti

Ukuhlolwa amafulethi Sberbank kudinga iqoqo futhi isethulo madokumende alandelayo:

1. Isitifiketi kobunikazi noma impesheni inkontileka, kanye inkontileka umnikelo, nokulingana noma ukudayiswa. sivumelwano nokulingana ngeke sikwazi ukuthwala zonke izenzo ezidingekayo ezengeziwe kwezidingo kanye Ukwamukela into.
2. Imibhalo olunikezwa Bureau of Inventory Technical, kuhlanganise ipasipoti cadastral into, technical data sheet kanye izincazelo ze impahla, umklamo wayo wesisekelo nayo phansi.
3. Umazisi (abantu ngabanye), noma ikhadi umlingani nge imininingwane egcwele (izinhlangano ezingokomthetho).
4. Ulwazi mayelana ukuba khona noma yimuphi encumbrances ku impahla (ukuboshwa, ibheyili nokunye. D.).

Uma ukuhlolwa iqhutshwa indlu ye Savings Bank, khona-ke kumelwe ukulungele ukunikeza imibhalo eyengeziwe:

• isitifiketi sokufa umnikazi odlule (uma une amadokhumenti ku ifa);
• uhlu oluphelele impahla okungukuthi kuncike nokuhlola;
• inhlangano engokomthetho kumele balethe isitifiketi kusukela osukwini isitatimende ezimali, balance sheet, futhi ukubaluleka bokungasetshenziswa impahla.

Ukuhlolwa

Ukuhlolwa amafulethi Sberbank labetibambile ngokukhethekile izinkampani, appraisers, abaye accredited ebhange. Izinkampani akazange Ihlobene Savings Bank futhi zizimele, futhi siwela kwesikhathi sogunyazo ibonisa ukuthi ethengiswayo kufakazelwa yasebhange futhi singamethemba.

Kulokhu, nezidingo okufanele zifinyelelwe appraisers yenkampani zimi kanje:

• Kuqashwe abantu okungenani ezimbili;
• umsebenzi kufanele babe nesipiliyoni okungenani iminyaka emithathu;
• ukutholakala izingongolo umshwalense ruble ezingaphezu kuka-3 million.
• inkampani kumele kube ilungu SRO;
• khona kwanoma isiphi isikweletu Sberbank.

Ngokwemvelo, nawu umbuzo kanjani ukuthola inkampani Kuhlola efulethini ngokuba Savings Bank? izinkampani ezihlonishwayo afakwe ohlwini jikelele, elise esizeni ibhange "Savings Bank Register of appraisers." Lesi sidingo ngokwengxenye ihlobene izigameko okwandisa lokukhwabanisa kanye nokuthuthukiswa kwazo zonke izinhlobo izingozi.

Kungani ukubambisana phakathi ibhange?

Ukuhlolwa zokuhlala - kuyinqubo lapho, noma kunjalo ukuthatha amaqembu amathathu iqhaza: umboleki, umbolekisi futhi ethengiswayo. Nge kube nomphumela omuhle waleli cala kuyi-win-win zonke. Indoda ithola lemali oludingekayo ukuze ukwazi ukuthenga ikhaya, ibhange - inkolelo yokuthi inkampani asihlole ayizange ukudanisa, kanti isixuku esikhulu, esikhundleni salokho, - yokulinganisela umsebenzi wesikhathi esizayo. Noma yimuphi iphutha ukulethwa kwemibiko kuhilelani zokuchithwa izimali kanye zokuqaleka kwesikhathi sokugunyazwa.

Akuwona wonke inkampani kungahlolwa amafulethi. Ukugunyazwa Sberbank ezikhishwa ethengiswayo, uhlobo ubufakazi ubuqotho kanye nesipiliyoni inkampani ezazi zonke izidingo ze-isikhungo sezezimali, nizenze. Ngakho, lo muntu obolekayo akanayo ukubhekana ukubuya umbiko kanye intuthuko yayo.