Ngingathola mortgage ngaphandle inkokhelo phansi Savings Bank?

Mortgage loan - manje ifomu evamile ekhaya ukuthenga. Nokho, njengoba umthetho, ekuqongeleleni kokuqala kwadingeka kwezinhlelo ngemali yokwakha. Ngokwe netinhlelo letikhona mortgage abolekise Sberbank ukuthola imali-mboleko yendlu kudingekile ukuba 15-25% yezindleko izindlu. Imindeni abangenayo imali, yebo, uyazibuza ukuthi ungathola mortgage ngaphandle inkokhelo phansi Savings Bank.

Kanjani ukuze uthole mortgage ngaphandle yokukhokha

Ngeshwa, akukho izindlu ukubolekisa Sberbank ngaphandle ukutshalwa kwezimali sokuqala, futhi lokhu kuyaqondakala. Amabhange ungafuni engozini enikeza wesikweletu lonke enanini lomuzi. Phela, uma kwenzeka ukwehluleka akunakwenzeka ukuba izindlu uzothengisela endalini ngentengo emakethe.

Noma kunjalo, kunezizathu ongakhetha zendlela uthole mortgage ngaphandle inkokhelo phansi Savings Bank:

• Uhlelo federal mortgage imikhaya abasha;
• mortgage dolobha komama;
• refinancing;
• mortgage ezempi.

Uhlelo Federal mortgage

Uhlelo State ukuze bondle imindeni yabo abasha kwenza kube nokwenzeka ukuba uthole mortgage ngaphandle inkokhelo phansi Savings Bank. Kuhloswe ukuba imibhangqwana lapho omunye noma zombili akukho abaneminyaka engama 35. Futhi, ngoba ungumzali ongayedwa nengane (nge isimo esifanayo). Umndeni kufanele kube ohlwini ekhethekile ukuze sithuthukise isimo kwezindlu.

Ngaphansi kwemibandela ye lolu hlelo, kusekelwe soxhaso kusukela wombuso inani 35% noma 40% yezindleko izindlu uthenge. Ngo-2016 selekelelo ngeke azisizi ruble abangaba yisigidi, uma umndeni unezingane ezimbili, ama-ruble ayizigidi 800 umkhaya nengane eyodwa, izinkulungwane 600, uma azikho izingane. Lolu sizo isimo, ungasebenzisa esikhundleni imali yokuqala.

Uma umndeni iyahlangabezana nezidingo zohlelo isimo "Ukunikeza izindlu imindeni abasha", kuyoba indlela engcono kakhulu ukuthola mortgage ngaphandle inkokhelo phansi Savings Bank. Izinga lenzalo yemali mboleko kwi mali izosiza azisizi 10.5% ngonyaka, isamba semalimboleko - kuze ruble 8 million, elithi loan - kuze kube iminyaka engu-30.

Nokuthathelwa nekomkhulu komama

Enye ukuthatha mortgage kungabikho lokukhokha phansi - ukusebenzisa inhlokodolobha womama esikhundleni ukonga. Le ndlela ungakwazi ukusebenzisa ukuthenga njengoba izindlu yesibili, namafulethi izakhiwo ezintsha futhi izakhiwo kuyakhiwa. Nokubeletha dolobha imali kufanele amboze okungenani 15% of izindleko ezithengwe loan izindlu.

elithi loan, njengoba kwezinye izinhlelo kunazo - kuze iminyaka engu-30. usayizi loan zokhahlamba kusuka ruble 300 million ayizinkulungwane 15. Izinga lenzalo yemali mboleko - kusukela 12,5% ngonyaka.

Lokhu kukhetha ethandwa kakhulu zonke izindlela ukuze uthole mortgage ngaphandle inkokhelo phansi Savings Bank. Izibuyekezo zithi ungokoqobo impela.

Mortgage lempi

It enikeziwe kuphela kubahlanganyeli ohlelweni ekhethekile yokunikeza servicemen izindlu. Ngaphansi kwalolu hlelo angathenga izindlu kuyakhiwa, kanye zokuhlala, indlu zokuhlala ezweni, emafulethini noma townhouses emakethe yesibili.

Lokhu loan nezindlu - kungenzeka wangempela wezempi ukuthatha mortgage ngaphandle inkokhelo phansi Savings Bank. Ngaphansi kohlelo ka mortgage lempi ungathola isamba kuze ruble ayizigidi ezingu 1.9 kufika eminyakeni engu-15.

mortgage refinancing

Izikhungo refinancing ukubolekisa kuyinto ngempela okwandile namuhla. Ngaphezu kwalokho ke ikuvumela ukuba uthole ngokunethezeka abolekise imigomo, kubuye kube ithuba uthole mortgage ngaphandle inkokhelo phansi Savings Bank. Izibuyekezo ukusebenzisa le nsiza kaningi omuhle. Lokhu kuyaqondakala, ngoba uma uboleka amakhasimende uthole mortgage emabhange ngobukhulu kuleli kuze kuphele iminyaka engu-30 ngesilinganiso ukuhlabana ka 13,75% ngonyaka nge lula kwemibandela yokukhokha.

Kulokhu, refinancing - one of the izinketho ezimbalwa zendlela uthole mortgage ngaphandle inkokhelo phansi Savings Bank komunye umuntu.

Izimfuneko ababoleka

Amakhasimende abafisa ukuthatha mortgage ngaphandle inkokhelo phansi Savings Bank kumelwe ahlangabezane nezimfuneko ezithile:

• kweminyaka emibili nengu-21 ukuze engu-75 ubudala (imindeni abasha - kuze iminyaka 35, ababoleka kungekho yokuqinisekisa engenayo - kuze kube iminyaka engu-65);
• isipiliyoni ingqikithi unyaka owodwa, isikhathi sokugcina okungenani ezinyangeni eziyisithupha;
• amadoda engaphansi kwengu-27 ubudala akufanele kube kuncike isikhalazo.

yezimfuneko ingcebo

impahla Kutholiwe akufanele eyisibambiso esivuna besithathu. ubunikazi kufanele ngokomthetho kulo Russian Register izitho.

Kukhona futhi izimfuneko izinhlobo ezahlukene ingcebo.

Uma sikhuluma ekwakheni okuthile:

• ukugqoka akumele leqe 40%;
• yobudala - kwengu 45;
• emabhilidini ezinhlanu noma ngaphezulu;
• Uhulumeni kumele abe-non-eziphuthumayo;
• indlu yamapulangwe akuyona yini emabhalekisini;
• kuyendlulela okuxubile, sensimbi noma aphathekako;
• isisekelo isitini, tile noma aphathekako;
• indawo edolobhaneni negatsha samanje Savings Bank.

aphathimenti:

• ugesi edingekayo, Ukushisa, amanzi;
• engaphansi akwamukelekile phasi;
• ezinjenge kufanele kubhaliswe ngokusemthethweni;
• ikhishi ahlukene yokugezela;
• neminyango, amafasitela nophahla kanye amapayipi azilimele.

Zokuhlala endlini namazwe:

• indawo edolobhaneni nge uhlelo ingqalasizinda athuthukile, inombolo kumele kube nezinye izindlu;
• umnyango endlini futhi ithuba uhlale unyaka wonke;
• kudingeka amandla supply system, Ukushisa, amanzi, zonke izindlela zokuxhumana;
• lokucabanga Tile, isitini, usimende noma isisekelo aphathekako;
• uhlobo ukusetshenziswa imibhalo impahla - ngamunye ukwakhiwa kwezindlu noma ukwakhiwa dacha;
• izinto sidle nazo kufanele zibhaliswe ngaphansi Regpalate.

Iphakheji kwemibhalo

Imibhalo iklayenti:

• Iphrofayili umuntu wemvelo noma usomabhizinisi loan;
• iphasiphothi umboleki, makoti (s), co-ababoleka;
• isitifiketi somshado noma isitatimende ukuthi iklayenti akuyona oshadile;
• izitifiketi zokuzalwa zezingane;
• ngayinye co-umboleki kudingeka ubufakazi ubuhlobo;
• isitifiketi yokuqashwa;
• ukubhala ku isilinganiso somholo ngenyanga kulezi zinyanga eziyisithupha ezidlule;
• isitifiketi matkapitala futhi amaphepha avela Pension Fund, eqinisekisa zinsalela yayo.

Imibhalo ku impahla atholwe:

• Imibhalo eqinisekisa ubunikazi;
• Imibhalo-elisekela ilungelo impahla;
• i kula Unified State Register ukuthi umhlaba okukhulunywa ngawo akuyona burdened nga ngalindelekile isibambiso;
• ukuhlolwa esizimele ukubaluleka umhlabathi;
• cadastral futhi ipasipoti lobuchwepheshe;
• isinqumo sivikelwe;
• kwemvume iyisithandwa (s) ukubhalisa isibambiso.

Imibhalo ngasogangeni futhi indlu yangasese:

• Imibhalo kuleso sakhiwo;
• Imibhalo yolwazi phezu kwempahla;
• cadastre futhi ipasipoti lobuchwepheshe ekhaya ;
• amadokhumenti ukuze ukwakhiwa kuyaqhubeka (uma ekhona);
• i kula Unified State Register ukuthi izwe nendlu akuyona esasibekwe ngayo;
• iphasiphothi cadastral balelo zwe;
• ukulinganisa sesilinganiso sentengo izwe nendlu, eyenziwe uchwepheshe othile ozimele;
• kwemvume iyisithandwa (ama) ukudluliswa izibambiso ebhange komhlaba kanye izakhiwo zabo ngawo;
• isitifiketi kusukela uMnyango esitokisini futhi sivikelwe yethuba izibambiso.

Ngakho, kungenzeka ukuthengwa ingcebo ngaphandle ukonga yasekuqaleni ayitholakali kuwo wonke. Ukuze uthole ncamashi ukuthi ungathola mortgage ngaphandle inkokhelo phansi Sberbank iklayenti othize, abafisa ukuba olithandayo ukuze egatsheni yasebhange babonisana nge onguchwepheshe.