Mortgage: esiphezulu ukubuyiswa kwemali isikhathi

Nokuthathelwa izakhamuzi eziningi zezwe lethu ukhetho kuphela yokufuna izindlu zabo. Kuthathwa umkhiqizo yasebhange yesikhathi eside ukuthi lihlotshaniswa izingozi eziningi. Ngokuvamile 10-15 iminyaka ke ekhishwe abatshelekayo. Umkhawulo buyiselo eside yebhange ngasinye sihlukile. Kufanele ukhethe isikhathi esifanele isikhathi ukukhokha ngokugcwele mortgage ngaphandle ubuhlongandlebe.

Umcabango

Uyini itemu mortgage? It kwamukelwa ubude ngesikhathi lapho ikhasimende kudingeka bakhokhe izindleko izindlu, kanye nenzalo. Lolu lwazi inikezwe nesivumelwano sokubolekwa. Iklayenti ungakhetha isikhathi lapho uzobe abatshelekayo semthethweni. Umkhawulo ukubuyiswa kwemali isikhathi ngokuvamile mikhulu.

Ngokusho mithetho yasebhange, isikhathi kancane, the ephansi ngokweqile. Izinkokhelo ku esifushane kunalokho enkulu, okuyinto kudala ingozi yokungakhokhi uma lo muntu obolekayo kuyoba nezinkinga zezimali. Ngisho nge engenayo ezinzile kufanele isiphosiso, okungukuthi, ukuthatha ngesikweletu kuze kudlule isikhathi eside. Uma izimali uzobe ulahlekile, bese ungakwazi ukukhokha mortgage ekuseni bese ugcine ku isithakazelo.

Lokho ezihlinzekwa amabhange?

kufanele wazi kangakanani njengokukwethembisa kwakhe, utsheleke amabhange isiRashiya, uma kunesidingo, Umklamo ngemali yokwakha. Uyini eside esiphezulu mortgage ku Savings Bank? Uneminyaka engu-30. Ngaphezu kwalokho, it is efakwe cishe zonke izinhlelo. Uma ukhetha elithi esiphezulu mortgage ku Savings Bank, futhi abazishayi wokuhlengwa zokuqala, ngokweqile uyoba mkhulu. Ngakho-ke, kufanele ucabange kahle ngaphambi kokubhalisa.

Amanye amabhange wasibekela eside esiphezulu mortgage. VTB 24 linikeza ukukhipha ngemali yokwakha kuze kube iminyaka engu-50. Akuwona wonke yesikhungo credit ukunikela izimo ezinjalo. Izinhlelo zenzelwe ochwepheshe abasebasha futhi abazali abasha abaneminyaka engu 25-35, ngoba ukusiza siyolanda ukuthengwa ingcebo ngesilinganiso ukuhlabana.

Uyini eside esiphezulu loan kwamanye amabhange? Ezinye izindaba zika-izikhungo ukunikela ukuthola imali-mboleko zeminyaka 30-35. Esikhathini "Raiffeisenbank", "Promsvyazbank" ubizwa nangokuthi ekhishwe mortgage. Umkhawulo ukubuyiswa kwemali isikhathi uneminyaka engu-25 lapho. Ngo "Rosselkhozbank" futhi "Gazprombank" Uneminyaka engu-30.

amazinga

Kuye isikhathi ziyahlukahluka izinga. Amabhange Russian ke zokhahlamba kusuka 11 kuya 16%. Ubukhulu bayo kuyoba enkudlwana uma kukhona inkokhelo phansi. Kukhona uhlelo impahla, okuyilona elidingekayo ukuze unikeze ubuncane nezithombe imibhalo. Khona-ke izinga kungaba 18%. Nge iqhaza ahlele a mortgage at ongaphakeme zenzalo ezinhlelweni zikahulumeni - 8-14%.

izidingo

Ukuze uhlele a mortgage, kumele uhlangabezane nezimfuneko ezithile:

• kweminyaka engu-21;
• yisakhamuzi we Russian Federation;
• khona imali esemthethweni;
• ukubhalisa kuze yobudala umhlalaphansi;
• mashumi isitolimende ukukhokhelwa kungakapheli iminyaka engu-75.

Izimfuneko kungahluka lomfula. Ngezinye izikhathi kudingeka uqinisekise isipiliyoni izinyanga 6 emsebenzini wokugcina. Uma iklayenti has a impahla, kuyokusiza ukuhlela mortgage. Impahla isetshenziswa njengoba izibambiso.

Nemfuneko ebalulekile amabhange kubhekwa umlando omuhle credit. Uma uke waba ukubolekisa ekhishwe, kodwa abakhokhelwa kwenziwe singakapheli isikhathi esibekiwe, kungenzeka sinqatshelwe. Ukungabikho izindaba ezinjalo zabanye kungakuqinisa futhi kubangele ukwaliwa isicelo. Ivame kudingeka ukuthi abe yisiboniso, ukuze uma izibopho yokungakhokhi lidlule kuso.

Nomaphi lapho elithi ikhethwa, izinhlelo eziningi Udinga ukukhokha isitolimende sokuqala. Kungaba ku ezahlukene 10-25% yentengo. Ngokuvamile, udinga ukuba ne izinga elithile engenayo, isibonelo kusuka ayizinkulungwane 25. Ruble. Kukhula ezingeni iholo, ayanda namathuba okuba yokuthola mortgage, kanye enkulu lemali ikhishwe. Ikhumbula nezinye izinhlobo engenayo: a podrabotok ibhizinisi, impahla eziqashisayo.

isikhathi esincane

Credit Cards Wiki zikhishwa isikhathi unyaka 1. Ekusebenteni, loan yonyaka cishe asisebenzi. Izizathu zihlanganisa:

• izinkokhelo ezinkulu;
• ngemazinga lasetulu;
• ukuhlinzekwa iziqinisekiso ukuqinisekisa ukubuyiselwa imali.

Uma kukhona njalo futhi engenayo okukhulu, kungenzeka ukuthatha loan umthengi ngenani elingekho. Ububi inkontileka emfushane eside kakhulu ukuthi kunzima wokulawula isikhathi kanye nokusetshenziswa yokukhokha ekuseni. Umboleki bakhokhele imali eningi nyanga zonke.

Amakhasimende kufanele bacabangele:

• ingozi izimali encishisiwe;
• ematfuba ukulahlekelwa umsebenzi;
• izindleko ezengeziwe;
• yokuntuleka ukukhula imali;
• ukwehla kwamandla emali.

Ngaphansi kwalezi zimo, kunzima ukwenza izinkokhelo. Ngakho-ke, lokhu kufanele kubhekwe lapho obeka inkontileka. Ukwephula esimisweni izinkokhelo sizothinta umlando credit yakho, yingakho esikhathini esizayo akunakwenzeka ukuba izicelo sivunyiwe. Ukuze kuncishiswe ingozi amabhange ukunikela ukukhipha umshwalense.

Uyini eside ukhetha?

Lo mbuzo iyathakazelisa ababoleka eziningi. Isikhathi seminyaka engu 10-15. Njengoba singabona kusukela izibalo, lokhu kwanele ukukhokha isikweletu. Uma kuqhathaniswa namakhasimende Western futhi American, ngubani ukhokhe mortgage isikhathi eside, amaRashiya uncamela ukubabulala izikweletu. Izizathu njengoba overpayments - US isilinganiso singamaphesenti 1-2%, kanti isibalo isiRashiya 12-15%, ngakho eminyakeni engu-30 kukhicite ngokweqile ezinkulu. Lokhu kuhluke emazweni angefani mortgage.

Umkhawulo buyiselo eside ivumela umboleki ukukhetha isikhathi oyifunayo. Ngakho-ke kubalulekile ukucabangela ngala macebiso alandelayo:

• ingozi ukubambezeleka okwesikhathi esifitshane kuphezulu, uma isimo sezimali ngeke ziwohloka;
• ngokukhetha isikhathi esijana, loan kungenziwa bazikhokhela kusengaphambili ukukhokhelwa ngokwengxenye, ukunciphisa ngokweqile sokugcina;
• kusengaphambili manje amabhange kakhulu eyenziwa ngaphandle izinhlawulo nezinkokhelo.

Ukukhokha okweqile ku imibandela eyehlukile

It kuvela ukuthi inkulumo ethi esiphezulu mortgage eRussia ebhange ngamunye uhlukile. Uma ukhetha isikhathi eside, le ngokweqile ziyoba ngaphezulu. Ngokwesibonelo, uma uthola umvuzo ngalo ruble 1 million iminyaka 5 at 13%, i-ngokweqile kuyoba ruble 360 000.

Lapho inkontileka ikhishwa iminyaka engu-15, le ngokweqile kuyoba ruble 1.3 million, kanye izinga 13.5%. Ngenxa yalokho, ukuthola mortgage kungcono isikhathi esifitjhani. Ngakho kubalulekile ukuba acabangele yabo sezimali, ngaphambi mortgage okuzokhishwa. Umkhawulo ukubuyiswa kwemali isikhathi kungenziwa kukhethwe, kodwa kufanele bazame ukhokhe kusengaphambili.

kusengaphambili

Ukukhokha kusengaphambili kungcono ekuqaleni kwesikhathi lapho enqwabelene isithakazelo. Kulokhu-ke kubalulekile ukuba inciphise uthishanhloko ngoba isithakazelo ibalwa njalo ngosuku ngaphezu ibhalansi. Engxenyeni sokukhokhwa kusengaphambili yesibili ngeke lubonakale.

Uma wazi ukuthi kuzoba buyiselo zakuqala, isibonelo, ngemuva kokuthola inhlokodolobha umzali noma ukubhaliswa uxhaso womkhaya osemncane, kungcono ukuhlela mortgage okwesikhathi esifitshane. Umnqamulajuqu lokukhokha kumele aqokwe ngesisekelo isimo sezimali yangempela.

Ukushintsha uhlelo lokukhokha

Iningi isithakazelo likhokhelwa ekuqaleni umklamo, bese uya nokukhokhwa oyinhloko. amabhange Russian ngokuvamile ukwenza ukuthi izinkokhelo annuity. Okokuqala, ukukhokha inzalo, bese leso sikweletu. Uma buyiselo lokuqala, kuyahlukahluka inani izikweletu. Uma inkokhelo ngokwengxenye siyashintsha esimisweni izinkokhelo.

Ngokuvamile okunikwa amakhasimende:

• nokwehlisa esithize ekuvumelwene futhi ukukhokhelwa ayiguquki;
• ukunciphisa lokukhokha, kusale izinyanga eziningana.

Uma inkokhelo lokuqala, kungokunengqondo oholela kangcono - ukwehla isikhathi noma imali? Esimweni sokuqala umthwalo nyangazonke is hhayi kuyehla, kanti iphesenti buzoba buncane ngenxa esifushane. Indlela yesibili kuhilela nokwehlisa izinkokhelo zenyanga.

Lapho nenzuzo ukunciphisa eside?

Ngenxa yokukhokha ekuseni obuyizinkulungwane 50-100. Ruble encishisiwe ukuphila izinyanga ezimbalwa. Uma ukubala lonke udumo wokubala ke nge single ekuseni buyiselo eside kuyinzuzo ukunciphisa. Kusukela nenani lenkokhelo kuyoba efanayo, ngokweqile kuyoba ezincane.

Ochwepheshe ukweluleka ukuba ingenzele incwadi mortgage isikhathi esiphezulu futhi uma kungenzeka ukwenza izinkokhelo kusengaphambili. Lokhu kuyogcina indlu, ngisho overpaid kancane. Nquma ukuthi iyiphi indlela engcono ukuze akhokhele phambi schedule noma cha, kufanele esekelwe isimo sakho. Kuyadingeka ukuba acabangele kwamandla emali, njengoba imali okungenanzuzo. Ngesilinganiso okusezingeni eliphezulu belulekwa ukukhokha loan ngaphambi kwesikhathi ebesibekiwe, futhi uthenge izimpahla.

Kunini lapho engcono ukhokhe kusengaphambili?

Uma mortgage lufrenyiwe isikhathi eside, kungcono ukuba ukhethe buyiselo ekuqaleni konyaka wokuqala. Lokhu kuyokwenza ugcine kakhulu. Uma kungekho imali eyengeziwe ukuze asule, kubalulekile ukuze ucime mortgage njengoba isimo kuyivumela futhi inkontileka ne ebhange. Ngokwesibonelo, Savings Bank uveza nokuthi ukukhokhelwa ekuqaleni kungenzeka ngemuva kwezinyanga 3 ngemva kokuba inkokhelo yokuqala, ngoba akuyona inzuzo befuna imbuyiselo okusheshayo. Amanye amabhange angase abe nezidingo zabo. Kodwa ngokushesha ukukhokha isikweleti, siyokhula ugcine yenzalo.