Ukubolekisa Mortgage yasebhange: Izidingo, imibhalo kanye nokubuyekeza

Ukudala iyunithi entsha umphakathi - umndeni, abaningi bacabanga isidingo amakhaya abo. Kodwa manje ukuthengwa ifulethi / indlu - ngempela eqolo. Ngenxa yalokhu, hhayi wonke umuntu angakwazi ukukhokhela ngokwabo ekugcwalisekeni kuka iphupho. Kodwa ungakhathazeki! Ngenxa yokuba khona emabhange ezifana mortgage abolekise umkhiqizo, inkinga yokuntuleka lemali ofanele ngemali ongaxazulula.

Amabhange, mortgage loans: Ukukhethwa sokunquma

Ukunquma ukuthatha imali ngaphandle kwenzalo ukuze ukuthenga ingcebo, kufanele baqikelele Ukukhethwa sipho ezifanele kakhulu futhi obolekisayo okuthembekile. Nakuba abanye amabhange mortgage kungaba ngokunenzuzo zabelwe ngu ongaphakeme zenzalo, kuyilapho abanye bangase badinge ukuhanjiswa iphakheji ubuncane kwemibhalo. Ngakho-ke, ukusho ngokuthe ngqó ukuthi umkhiqizo kuyoba elilungile kakhulu lo muntu obolekayo ngamunye, kunzima kakhulu. Iklayenti wanquma ukusebenzisa ibhange enikeza mortgage, kumelwe unqume ukuthi yini ebaluleke kakhudlwana futhi sikuvumela kuye; futhi kusukela kulesi goba kukhethwa nomuntu ayemkweleta ethile.

Ukuze ngandlela-thile ukukhethwa sipho best ukudambisa, kubalulekile ukuhlola amaphuzu ayinhloko kuso ukunakekelwa okufanele ikhokhwe kwasekuqaleni:

1. ukuthembeka ebhange. Lolu lwazi ingatholakala izibalo ekhethekile.
2. Ukuba khona ukubuyekezwa emihle nemibi.
3. Zenzalo.
4. Inani elihambisana nenkokhelo edingekayo phansi.
5. elithi loan.
6. Ukuba khona noma ukungabi khona izimali ezengeziwe, kuhlanganise ezifihliwe (ungathola ngokucophelela kuphela wafunda amaphuzu nesivumelwano sokubolekwa).
7. Izindlela buyiselo futhi t. D.

Ngokusekelwe kulezi zindlela, sizokwazi ukukhetha okuthakazelisa kakhulu amabhange elikhiphe abatshelekayo. Phakathi kwabo - esasifaneleka.

Okulandelayo izokwethulwa mortgage loans yasebhange ngezisusa wokusebenza kwezimali, kubhekwa izidingo zabo eziyisisekelo nemibandela elikhiphe sokubolekwayo.

ebhange yokulondoloza

Lokhu isikhungo sezezimali iye babephakathi ejensi elikhiphe mortgage ku ifulethi. IBhange aluthola ehola isikhundla sibonga yisibalo esikhulu sabasebenzi esingakaze ukubolekisa waboleka imali ukuthenga ingcebo. Futhi mhlawumbe akusilo ize! Phela, wayehawukela akasenzi ukwethulwa ikhomishini ezifihliwe, usebenza ngokungachemi futhi enokwethenjelwa. Mhlawumbe kungenxa yalesi sizathu ukuthi Savings Bank kanye unqobile eziningi wokubuyekezwa okuvumelekile.

Kodwa akubona bonke abantu bangathembela bengatshelekwa nebhange. Ngakho, le nhlangano phambili ezinye izimfuneko kuya ababoleka. Amanye awo yilawa:

• Ubudala iklayenti Kufanele ube neminyaka 21 ubudala ngesikhathi sesiphelo sesimiso sivumelwano futhi eminyakeni engaphezu kuka-75 ngesikhathi sokuvalwa komsebenzi.
• Umsebenzi nakho - hhayi ezingaphansi kwezinyanga eziyisithupha endaweni efanayo futhi phezu ngonyaka owedlule iminyaka 5.

Ngesikhathi esifanayo uyasho kumele bathumele lezi zincwadi ezilandelayo:

• Ifomu eligcwalisiwe yasebhange lwemibuzo.
• Umazisi, okungukuthi i-passport ka isakhamuzi WaseRussia.
• Namadokumende asekelayo ukusebenza kwezimali umboleki.

Uma ibhange nokubika elikhiphe loans mortgage uyokwaneliswa ulwazi onikeziwe, lokho ukumnika ikhasimende loan ku lafana (umkhiqizo enenzuzo kakhulu ngokusekelwa nesimo):

• Izinga lenzalo yemali mboleko ye 11.4% ngonyaka.
• Loan lemali kusuka 300 000 kuya ku-3 000 000 (i esifundeni) futhi ruble 8 million (i eMoscow nesifunda eMoscow, eSt Petersburg naseLeningrad esifundeni).
• isikhathi Loan kusuka 12 kuya 360 izinyanga.
• Osukwini lokuqala eyaphuma ngalo ka-20% yezindleko uthenge ingcebo loan.

VTB Bank of Moscow

Ibhange, mortgage loans, wathatha indawo yesibili ngokuya wokusebenza kwezimali. Ufaneleke loan kungenziwa kuphela abantu kusho isikhungo, ukwanelisa izidingo ezilandelayo:

• Ukuba nobuzwe babantu WaseRussia / yisakhamuzi angaphandle.
• yobudala umboleki sika eminyakeni 21-60. Kulokhu, mortgage esehlanganise isikhathi akufanele ube neminyaka engaphezu kwengu-75.
• Ukuqashwa Insimu Russian Federation.
• Sebenza isipiliyoni kusuka 1 inyanga emva kokuphothulwa kwesikhathi kwecala futhi ngonyaka 1 lonke isikhathi zokuphila kwakhe.
• Abesilisa ngaphansi kweminyaka eyi-27 ziyadingeka ukuze uhambise amaphepha yasebhange kwezempi noma izinsizwa ka nepodlezhanii.

Uzodinga ukuhambisa mibhalo:

• Umazisi.
• Lowo Mbhalo wangonyaka we yesibili ungumuntu (SNILS noma izincwadi zokushayela noma kamazisi yasebusosheni noma ikhadi kamazisi yasebusosheni, noma ipasipoti a seaman sika).
• Imibhalo eqinisekisa nokugcinwa emisebenzi kanye engenayo.

izimo ngesikweletu kulokhu kuyoba (umkhiqizo nokusekela nesimo):

• Izinga lenzalo yemali mboleko ye 11,15% ngonyaka.
• Inani boleko ruble ayizigidi 500.
• loan eside izinyanga 360.
• Inkokhelo ka-20%.

Gazprombank

Muva nje, i-mortgage amabhange ukubolekisa engunyaza esekelwe ukwesekwa umphakathi. Ayikho ngaphandle lapha Gazprombank. Unika loan elihle kunawo ukuthenga indawo ngaphansi kwale mibandela:

1. Izinga lenzalo yemali mboleko ye 8,85% ngonyaka.
2. Loan lemali kuze 3 (ezinye izindawo - 8) ruble ayizigidi ezingu.
3. Isikhathi imali ka izinyanga kuze kufinyelele 360.
4. Inkokhelo ka-20%.

VTB 24

Njengoba kushiwo ngenhla, amabhange anikeza mortgage loan, kunezimo yabo kanye nobubi obuthile. Mhlawumbe ehlongozwayo VTB 24, izimo kuyoba kwabaningi kakhulu ayethanda. Futhi yilezi:

• Izinga lenzalo yemali mboleko ye 11.4% ngonyaka.
• Loan lemali 600 000-8 000 000.
• evuma inkathi izinyanga 12-360.
• Ukutholakala kwezimali siqu ngama-20%.

FK "Ukuvula"

isikhundla wesihlanu ku ukusebenza kwezimali rankings, okuyinto zimumethe amabhange anikeza mortgage e, uthwebule "Ivula" Bank. credit lakhe imigomo zimi kanje:

• Izinga lenzalo yemali mboleko ye 11.3% ngonyaka.
• Loan lemali ruble 625.000 ukuba 75.000.000 ezifundeni kanye ruble ayizigidi ezingu-150 ukuze eMoscow, esifundeni eMoscow, eSt Petersburg naseLeningrad esifundeni.
• evuma inkathi izinyanga 60-360.
• Ukuba khona inkokhelo yokuqala ka- 20 ku-80% yezindleko izindlu.

Rosselkhozbank

Lokhu isikhungo sezezimali esisogwini lesithupha umugqa ukukala, inikeza ukubolekisa izindlu zangempela ukuthengwa kwale mibandela:

• Izinga lenzalo yemali mboleko ye 11.3% ngonyaka.
• Loan lemali kusuka 100 000 kuya ku-3 000 000 izifunda kanye 8 million - I-Moscow, esifundeni eMoscow, eSt Petersburg naseLeningrad esifundeni.
• Ithemu abonge izinyanga 1-360.
• Osukwini lokuqala eyaphuma ngalo ka-20% intengo efulethini / indlu.

Ngenhla inzuzo kakhulu futhi enokwethenjelwa mortgage amabhange babebhekwa njengabantu. Ukuze uthole imalimboleko ukuthenga ingcebo esikhungweni esithile kuzodingeka uhlangabezane nezimfuneko ezithile bese uthumela uhlu amanye amadokhumenti.

Njengoba singakuqonda ngokubheka nezidingo iningi amabhange, evame kakhulu nazo kukhona izimo ababoleka:

• Ubudala ephakathi kwengu-21 no-75 ubudala ngaleso sikhathi lokuvala egcwele izikweletu.
• yisakhamuzi Russian.
• Ukuba khona lomsebenzi yonyaka.

Amaphepha adingekayo kule zimi kanje:

• Umazisi (okungukuthi passport Russian).
• Incwadi ezengeziwe ohlwini olunikezwa ebhange.
• Imibhalo eqinisekisa ukuqatjhwa kanye engenayo unomphela.

Nokho, lokhu akwanele ukuthola imali-mboleko. Kukhona umehluko wemisindo nemiqondo yamagama amaningi, engatholwa ngokuhlwaya emithombolwazini egatsheni ezikhethiwe ebhange.