Nokuthathelwa ukuze kwakhiwe indlu yangasese. Kanjani ukuze uthole mortgage: igxathu negxathu Umhlahlandlela

athathe ihlandla yasebhange Njengomsindo mortgage, abe bayingxenye yezimpilo zethu. Namuhla, iningi imindeni abasha hhayi ngokwanele ukuba azizuzele emakubo ngaphandle izimali ezibolekwe. Khonamanjalo, amanye ungafuni ukuthenga ibhokisi eduze ezindongeni grey komuzi. Ukuze ukuzakhela amakhaya abo - kukho ikhange nakakhulu. Kodwa mortgage ukuze kwakhiwe indlu yangasese - into eyinqaba elibangela imibuzo eminingi. Ake nizame ukubaqonda.

Ukwakha indlu noma ukuthenga ngomumo eyenziwe kwagcizelela amamitha aphathekako edolobheni?

Ukushintsha izindlu emadolobheni indlu yangasese namadlelo - indlela yekubeka ku segcekeni eziyihlazo futhi balahle omakhelwane ecasulayo nge sokuprakthiza ogangeni. Futhi lokhu akuyona yonke izinzuzo emzini womzalwane. Ake sixoxe ngazo ukuze:

• Kuyinto imfihlo kuthiwani imvelo edolobheni. Kuyinto isibili nokuthuka ukusebenzisa abatshelekayo ukuthenga indawo, bese ukukhokhela ubuthi nsuku zonke umoya ezinesihlungu engapheli yogwayi kusukela izitebhisi. Emoyeni opholile kuleli zwe - plus ezinkulu kulabo obakhathalelayo impilo isizukulwane ezikhulayo.
• Ngaphambi ngingena emakethe yezindlu, efulethini lwenzeka ngesikhathi ohlangothini 2-3 abaxhumanisi. Lokhu kwenza izindleko ezimba eqolo. Intengo ngobusuku square elisepulazini kuyizikhathi 2 aphansi, ngisho noma uthatha mortgage esakhiweni.
• Uma uhlela ikhaya kulapho nokudakwa fancy. Ngaphezu ekhaya, ungakwazi ukwakha Gazebo, ahlele echibini noma pool. Le ndlu - ukuhlola kuphela ne ukulungiswa design ingaphakathi.

Yini okumele uyenze uma ungenawo izimali?

Uma umndeni abasha ahlela ukuthuthela kusukela ezisemadolobheni ukhonkolo square metres besemizini yabo, kufanele kube ukulungele ezindlekweni okufanele zibhekisiswe. Ukwakhiwa - icala hhayi ezishibhile. Futhi akuzona zonke ngokwesilinganiso umkhaya ezweni lethu angakwazi ukukhokhela nemnandi enjalo. Ngingayithola kanjani imali ukuba ngumnikazi indlu?

Kunezindlela eziningana:

• ukuthatha mortgage on ukwakhiwa emizi yabantu;
• ukukhipha akukho-injongo loan kuvikelwe ekhona ingcebo futhi usebenzise imali emsebenzini wokwakha;
• ukukhipha ukubolekisa umthengi.

Cabanga kabanzi indlela yokuqala. Yiziphi umehluko wemisindo nemiqondo yamagama nokuba yinkimbinkimbi mortgage esakhiweni? Yiziphi izimo adalule ababolekisi ukuze ababoleka?

izimangalo amabhange '

Nokuthathelwa ukuze kwakhiwe indlu yangasese - umcimbi okuyingozi for ebhange. Uma into alikapheli, akunakwenzeka ukuba kubhekwe ketshezi. Ngaphansi kwezimo ezingezinhle, uma lo muntu obolekayo masinya uze ukwazi imali ebolekiwe ngokugcwele futhi kuzodinga ukuqaliswa kwe-eseduze ukukhokha izikweletu, ibhange ngeke bakwazi ukuthengisa ngesakhiwo nge laqala ukwakha.

Ngakho-ke, ababolekisi ukungakwethembi ukuze mortgage ezinjalo. Basinikeza kuphela ngaphansi kwezimo akhethekile ngokuhlinzekwa okunye uhlobo eseduze kanye / noma isiqinisekiso. Futhi, amabhange asethwe sasivumela nezidingo elawula for ababoleka esizayo. Nowesinye izibambiso. Empeleni, iningi labo nemiyalelo efanayo. Kukhona nje ezinye ekushintshashintsheni noma isiqondiso isihlobo yobudala umkhawulo noma ezinye izici iklayenti. Yini imingcele achazwe ngoba amabhange? Nazi ezimbalwa izici:

• Ukuze umboleki kanye guarantors yayo - yobudala, hlobo luni lomsebenzi futhi ubudala, ubuzwe kanye nendawo yokuhlala.
• Ukuze eseduze - ukubaluleka, uhlobo ukusetshenziswa, izici ezingokomzimba, ubumsulwa zomthetho, ukungabi khona encumbrances neminye imikhawulo ku nokujabulela inhloso yazo.

Futhi, ibhange kuzodinga imibhalo ka khona inkokhelo yokuqala nokubika nokusetshenziswa okufanele kwezimali enikeziwe nge-credit.

Inani kanye loan term

Ngasinye isikhungo credit elisungulwe inani ziwe credit. It akuxhomekile nje kuphela esimweni imali ingqikithi umboleki namalungu omndeni wakhe, kodwa futhi ku value of the izibambiso. Ngokuvamile, yasebhange ngezimali izindleko wokwakha inani 20-85% wezindleko. Nokuthathelwa ukwakhiwa emizini yabazalwane ikhishwa ukuze esiyiminyaka engu-5 kuya kwengu-30. Ezinye amabhange banganikeza futhi isikhathi eside. Khona-ke lo muntu obolekayo ungathola inkokhelo sisekhaya nyangazonke. Nokho, kuhle ukucabangela ukuthi inani ngokweqile ngenxa kuzokhulisa ehloniphekile.

isilinganiso senzalo

Nquma kusengaphambili inani lenzalo kunzima, ngisho noma sikhuluma ebhange ethile. Lokhu value luncike lezimo eziningana - ukuphila, phansi usayizi yokukhokha. Abanye ababolekisi bazimisele ukwenza izaphulelo kumakhasimende asebethole owake umboleki, noma ingabe okwamanje. Yiqiniso, uma sikhuluma indoda ezisekelwe kunembeza ngubani ayikuvumeli delinquencies.

Yehlisa inani lenzalo okungalindelwa yibo labo abathola inkokhelo e ikhadi lasebhange akhethiwe, kanye abasebenzi engxenyeni kahulumeni. Ngemva kokuphela ukwakhiwa, lapho indlu uzobe ethunywe futhi iyobalethela, umbolekisi ngeke azimisele ukwehlisa izinga. Kungani amabhange iya ku imvume enjalo? Into elihlangabezana mibandela engenhla ibonisa nokwethenjelwa iklayenti futhi kunciphisa ubungozi ebhange.

Ukuze uthole ukubala anolaka, kubalulekile ukuvakashela isayithi yesikhungo semfundo credit. Futhi "Mortgage" ukuthola uhlelo kwesokudla loan ukuhlola okubizwa ngokuthi i-mortgage wokubala esakhiweni. Uzotshela eseduze senzalo, inkokhelo yanyanga zonke kanye ngokweqile.

imibhalo edingekayo

Ungamangali iphakethe engenasizotha kwemibhalo, inkulu kakhulu kunangendlela ezidingekayo kumthengi credit ezivamile. Mortgage kuhilela Ukukhishwa ibhange isizumbulu isikhathi eside. Futhi kuba njalo nengozi enkulu esikhungweni sezimali. okuyingozi nakakhulu ubhekwa kakhulu injongo a mortgage - ukwakhiwa. Ngempela, endabeni yasebhange sidle kungenzeka bashiya yonke into. Ngakho-ke kubalulekile ukuba uqoqe intando e isibhakela, ukuze uthole wonke amaphepha nokusiza ukuthola okufunayo.

Ngokuyinhloko kudingeka madokumende alandelayo:

• Amaphepha eziphathelene umboleki kanye guarantors yayo / sozaomschiov - ubufakazi ungubani, imali, amadokhumenti ku imfundo emphakathini. umsebenzi Bank - ukunquma ikhono ukukhokha kanye umthwalo ikhasimende, ngakho onguchwepheshe angacela eziningana izitifiketi ezengeziwe.
• Imibhalo phezu izibambiso. Ngokuvamile iningi izibambiso ohlwini izibambiso alikho ezandleni amakhasimende, ngiziqoqele ngokushesha - akuwona umsebenzi olula. Kunalokho Okubelesela Rosreestra futhi BTI, abaningi baphendukela ezinhlotsheni eziningi ochwepheshe usizo.
• izitatimende ze-akhawunti kanye namanye amaphepha emvume, eqinisekisa khona inkokhelo yokuqala.
• Indlu design, imidwebo, ikhophi yesivumelwano nenkampani yokwakha, ukulinganisela kwe ukwakhiwa.

abolekise imigomo

Ngaphambi izenzakalo 2014 uhlelo ezifana abatshelekayo ukuze kwakhiwe indlu yangasese, kwakuvamile ngaphezulu izinhlangano credit yezwe. Namuhla-ke inikeza inani elincani amabhange. Ngakho-ke, sicabanga izimo abolekise Sberbank isibonelo. He is by kakhulu ngokuvamile uhlanganiswa ukuthengiselana okunjalo:

• Loan lwemali - ruble Russian kuphela.
• Loan lemali - .. p ayizinkulungwane 300, kodwa hhayi ngaphezulu kuka-75% enani lezimpahla izibambiso.
• inkokhelo Down - kusuka 25%.
• Loan eside - kuze kufinyelele eminyakeni engu-30.
• Isilinganiso senzalo - kusuka 13,25%.

Yonke inqubo izobukeka empeleni?

Ngokuvamile, ababoleka uhlela ukuthola imali loan wokwakha, kubi ukucabanga yonke inqubo. Abaningi bathembele nokufakwa isicelo, uma kukhona imibhalo emibili. Ibhange uzokubuza eminye ngaphandle isitifiketi ilungelo lokusebenzisa umhlaba. Futhi phakathi amahora ambalwa noma izinsukwana, umboleki uzothola izandla zakho phezu imali.

Ngeshwa, izinto akuzona ngakho elula. Nokuthathelwa, noma yini ngenhloso akuyona babaxosha, kudinga isheke olunzulu umboleki kanye izibambiso. IBhange kudingeka ukunciphisa izingozi ezingaba khona kokubili amaklayenti kanye inhlangano ngokwayo. Ngaphezu kwalokho, ukusetshenziswa ehlosiwe kwezimali kusikisela ukuba khona nokubika, futhi isibalo ngokwayo kuyaqabukela lutholakale ngesimo yemali.

Yaba khona kanjani le ngokoqobo ubukeka inqubo credit njengoba mortgage ukwakha indlu? Sberbank, isibonelo, inganikeza isikimu elandelayo nokubambisana phakathi kwebhange ikhasimende:

• Obolekayo inikeza amaphepha abo futhi amaphepha guarantors. Kulesi sigaba, ibhange lenza isinqumo kungenzeka ngokubambisana neNhlangano iklayenti.
• Ukuqoqwa kwemibhalo kuleso sakhiwo. izitifiketi eqoqwe ithunyelwa ebhange ukuqapha zomthetho. Ngaphezu kwalokho, ukuxhumana izidingo indawo ngezimfanelo Bank ngokomzimba.
• Pawn sihamba yokulinganisa yebhange accredited izinkampani asihlole.
• Iklayenti waziphatha oda iphrojekthi ekhaya, ukusayina inkontileka ukwakhiwa. IBhange iyadingeka futhi izindleko ukulinganisela ukucacisa edingekayo isamba semalimboleko. Le mibhalo umboleki uzothola bamfaka phakathi kwabo ukwakhiwa abakhethiwe, bese uthumele zezimali nesikhungo ochwepheshe.
• Uma zonke izinyathelo zangaphambilini kuphothulwe ngempumelelo, amaqembu uqhubekele isiphelo sesimiso kwesivumelwano sesikweletu.
• loan Ukwakhiwa kuhilela ukunqunywa encumbrances phezu kwezwe, ukuze ube ukuchitha isikhathi esithile wamaphepha e Rosreestra. Ngosuku kokuthola ubufakazi obusha ebhange ithumela ingxenye yokuqala izimali ukwakhiwa.
• Obolekayo uletha umbiko mayelana ingxenye yokuqala ukusetshenziswa okuhloswe kwezimali mboleko.
• IBhange ikhipha ingxenye isamba yesibili.
• Umboleki uqeda ukwakhiwa yendlu futhi kwenza njengokhukho impahla esiphelele. Ngemva kwalokho, isibambiso iba isiza umhlabathi. Izinga lenzalo yemali mboleko ku loan ngemva liqhubeka ukunciphisa.

Ngingaqinisekisa kanjani izinto lula?

Ukuze uthole inkokhelo ngokunethezeka, abanye amabhange unikeze inqubo efana ukuhlehliswa yokukhokha uthishanhloko. Umboleki okwesikhathi nenkathi ende yeminyaka engu-3, unekhono ubhadala inzalo enqwabelene ku isamba semalimboleko. Lena elula kakhulu, uma kucatshangelwa kungenzeka izindleko ezengeziwe ngesikhathi kwakhiwa, ezingasetshenziswa kakhulu hit ngesabelomali. Ngaphezu kwalokho, ukuba kukhokhwe uthishanhloko, ungasebenzisa inhlokodolobha umzali. Mayelana nalesi kungenzeka acele kusengaphambili ngaphambi ufaka isicelo sesikweletu. Uma mortgage kusakhiwa kwezinye amabhange adinga ukukhokhelwa phansi, futhi, isetshenziselwa lesi sitifiketi.

Injongo yokuboleka le mali kuvikelwe ekhona ingcebo

Lolu hlobo abolekise ubuye mortgage, kanye nayo yonke imiphumela yayo. Phela, abantu bangamukela njengomuntu impahla eseduze, okusho ukuthi ibhange kumelwe banakekele ukugcwaliseka into esimweni yokungakhokhi imalimboleko.

Izinzuzo abolekise enjalo kakusumbiko isidingo akunakubangelwa ukusetshenziswa ohlosiwe - umboleki unelungelo ukulahla izimali uwedwa. Ngaphandle kwalokho, njenganoma yikuphi ukudluliswa kwempahla, lokhu litholakala Adalberto isikhathi eside.

Kulaba minuses - the yinqwaba efanayo kwemibhalo at ukubhalisa, kanti isikhathi inqubo kokucubungula isicelo futhi Ukukhishwa imali. Ngaphezu kwalokho, lapho eziningana kabi izinga iyakhula. Ngokuyinhloko, ababolekisi bazimisele ukunikeza ukusetshenziswa okungalungile engekho ngaphezu kuka-50% enani lezimpahla izibambiso.

Kungenzeka yini ukuxazulula inkinga ngumvikeli ngesikweletu?

Ikhumbula mibandela engenhla ka mortgage ukwakha indlu, imalimboleko umthengi ezejwayelekile kungase kubonakale kuyindlela elula ukuze uthole imali edingekayo. Okokuqala, ibhange ngeke ukulandelela ukusetshenziswa kwezimali. Okwesibili, lo muntu obolekayo akudingeki ukuqoqa iphakheji umxhwele nezitifiketi nokufakazela ibhekane nezinye izinqubo. Imali angabenza ngosuku olufanayo ku amarekhodi 2-3. Kodwa le ndlela has nezihibe:

• Inani ukubolekisa ezivamile akuvamile idlule ruble ayizigidi ezingu-1,5.
• Umthengi credit unikezwa isikhathi esifushane, kuze iminyaka 5 okungenani. Big lemali loan ngokweqile izinkokhelo ezinkulu, okuyinto azitholakali kuwo wonke umuntu. Yebo futhi kuyoba umthwalo osindayo endaweni ukwakhiwa sikhathi esinzima.
• Amabhange ngokuvamile setha iphesenti eliphezulu emalini ebolekiwe ezivamile. Nokuthathelwa kulesi sici okuphume kangaka phambili. Esikhundleni evamile 22-24% nethuba uthole ingqikithi 15% ngonyaka.

Umthengi abolekise kubonakala kuvumelana nami, kodwa hhayi ngendlela enenzuzo kakhulu ukuthola izimali ezingekho ukwakhiwa. Lokhu kukhetha efanelekayo kulabo ohlela bahlanganyele ukwakhiwa yendlu ngezigaba, noma usuvele unayo ingxenye zokwakha ezidingekayo. Ekuphetheni, kungase wanezela ukuthi izimo amabhange Ungashintsha kaningi. Ngakho-ke, ngaphambi kokuthi ukhethe ukungena nganoma yisiphi lesikhungo credit, kufanele mathupha uthintane ngamunye. loan Ukwakhiwa - isakhiwo kanye eside, kodwa ukuphela olungisisa umsebenzi phansi futhi walinda.