Uyini mortgage kanjani it? Imibhalo, iphuma okokuqala, isithakazelo, ukubuyiswa kwemali imali-mboleko mortgage

Esikhathini ezingokoqobo zamanje wokuphila, lapho inani labantu emhlabeni ukhula kancane kancane, omunye kunazo ukuphokophela inkinga yokuntuleka kwezindlu. Akusiyo imfihlo ukuthi akuwona wonke umndeni, ikakhulukazi abasebasha, ungakwazi ukukhokhela ukuthenga emakubo, ngakho abantu abaningi banesithakazelo kulokho a mortgage nokuthi ukulithola. Ziyini izinzuzo owenza lokhu uhlobo abolekise , futhi uma "umdlalo kuwufanele ikhandlela" kuwufanele?

Ingqikithi mortgage wukuthi uma ungenayo umndeni omuhle ongaba khulula ukuboleka imali ukuze bathenge izindlu efulethini abo ufuna ngempela, ungaya ebhange bese lemali edingekayo. Nokho, lolu hlobo loan ukuhluka evamile umthengi credit, ukuze thina sesinomkhuba. Yini kahle hle - sizohlola.

Uyini mortgage kanjani it ngaphandle kwezinkinga

Okokuqala, kudingeka uqonde ukuthi loan mortgage - ilitshe loan yokufuna ingcebo, futhi ngokungafani umthengi credit ungatholi ukulahla imali uma bebona kunesidingo. Ngaphezu kwalokho, ukuhlinzekwa kuleli cala ngokuvamile iba ngokwayo into uthenge - zokuhlala, izitolo, izakhiwo zezimboni. Ngakho-ke, kungashiwo wagomela ukuthi ukuphepha kwe impahla real ukuqinisekisa izibopho ukuba abakweletwayo futhi abe mortgage. Amabhange, ngasendleleni, hhayi kuphela ukuba ayokhosela - isiqinisekiso kungaba imoto, isikebhe, ezweni. Nokho, isici lolu hlobo loan ukuthi into elizuzwa ngaleyo ndlela iba yindawo yoMkhandlu umboleki ngqo emva kokuthenga.

ERussia, okufana ezivamile zale nqubo obolekisayo - a mortgage ku indlu. Futhi, njengoba umthetho, isiveze ukuthi ibhange njengoba uthola ifulethi, nakuba, njengoba nakuyicabanga, kungenzeka ukuba abeke kanye izakhiwo ezikhona. Lolu hlobo lwe-service inikeza utholakala cishe kuwo wonke amabhange - Sberbank, "Gazprombank", "Alfa-Bank", "VTB". Noma yisiphi isikhungo mortgage Ikhredithi njalo kusiza, ngoba ngisho noma lowo muntu obolekayo ungayitholi zimali ukukhokha esikweletini, isibambiso bazosala ebhange. Yingakho zokugcina bayidela out ukubolekisa ezinjalo, elwela enikeza izimo "evumayo".

Ukuba adumise, okudingeka ukwenze

Ukuze efulethini mortgage usuyafezeka, ngeke ube naso esanele "ukusebenza kanzima" ukuqoqa amaphepha adingekayo. Kodwa sizobe ukukhuluma ke kancane ephansi, kodwa manje ake enze isithombe isilinganiso ezingaba ikhasimende uyakwazi ukuthola imali-mboleko mortgage:

1. Okokuqala yobudala - kubhekwa nohlu ekahle zeminyaka 23 kuya 65.
2. Izinga nokwethenjelwa - udinga Umlando wokukhokha kwemali ephelele. Uma ikhona, nawe azitholakali, andukuba sifune loan ezinkulu, ambalwa umthengi futhi ngobumnene ukukhokha kubo. Yiqiniso, umthengi Ikhredithi zizinkulu mortgages, isitolimende uyokhokha yincani kakhulu, kodwa ukuba khona kwemalimboleko ezimbili noma ezintathu esikhokhelwayo isikhathi kakhulu nomthelela omuhle isithombe sakho emehlweni ebhange.
3. Umsebenzi nakho - iminyaka engaphezu kwemibili, futhi indawo yokugcina umsebenzi - hhayi ngaphansi kwezinyanga eziyi-6.
4. Ukuba khona "amhlophe" engenayo kwanele ukuba isifundazwe sikhokhele inkokhelo yanyanga zonke.
5. Futhi-ke, kufanele ukuqoqa uhlu omkhulu kwemibhalo, futhi lubucayi kakhudlwana ebhange, kulapho amaphepha, izitifiketi namarisidi ucele.

Yiqiniso, izidingo ngenhla - kungcono version ejwayelekile, ungathola ukusebenza kancane ngaphezulu lezo zincwajana. Ngokwesibonelo, abanye amabhange emakhasini prospectuses yabo bathi bazimisele ukukhipha mortgage loans ukuba abantu abaneminyaka engu-18. Noma enye indlela: ukuthi impendulo omuhle awudingi isitatimende engenayo. Ngakho, ukwazi ukuthi iningi kumane Stunt emphakathini. Amakhasimende, ngubani bayazi kokuhlangabezanwe nakho kwabo siqu ukuthi indlu namakhadi ukuthi angaluthola kanjani, uthi: uma ungenawo ukuhlangabezana nezidingo ngenhla, boleko ifulethi ngeke akuvumele hhayi wena. Futhi ubani ngokuqinisekile ukubala kwezindaba ezinhle?

Ngakho, cishe ukuze unikeze loan uma:

• okungenani u-20% yezindleko izindlu wathenga inkokhelo phansi;
• emholweni wakho ezisemthethweni okungenani kabili inkokhelo yanyanga zonke;
• mortgage ukhishelwe ifulethi, kunokuba umhlaba noma emzini womzalwane;
• wonke amalungu omkhaya enamandla babe umsebenzi esemthethweni nge iholo "amhlophe";
• kukhona enye impahla kakade ungowakho ngelungelo ubunikazi (pawn futhi kuba akudingekile);
• ungenayo ukubolekisa oluvelele nezinye izibopho izikweletu;
• ungenawo njengesithiyo yisiboniso sokubolekwayo nezihlobo noma abangane;
• ubude isevisi umsebenzi wokugcina eseneminyaka engaphezu kwengu-2-3;
• unganikeza elilodwa noma amabili sureties kuphela (okudingekayo kaningi, kodwa ngaso sonke isikhathi).

amadokhumenti

Ngakho, usuthathe isinqumo wokuthi okuwukuphela kwendlela ukuze zithuthukise izimo zokuphila - mortgage. Amabhange zidinga ukuthi iphakheji umxhwele imibhalo. Ake sicabangele ke kabanzi.

uhlu generalized libukeka kanje:

• Iphrofayela Bank;
• Isicelo sokubhalisa mortgage - ngezinye izikhathi ungahlela inthanethi ngokuvakashela website esemthethweni isikhungo;
• ifothokhophi passport noma idokhumenti okulingana;
• ikhophi yesitifiketi yomshuwalense isimo nempesheni;
• isitifiketi (ikhophi) nokubhaliswa intela endaweni we Russian Federation (INN);
• amadoda abasezingeni lokuya empini futhi kudingeka ikhophi sekhadi;
• amakhophi imfundo wathola imibhalo - diploma, izitifiketi, njll.;
• amakhophi izitifiketi somshado / isehlukaniso, ukuzalwa kwezingane;
• inkontileka umshado (ikhophi), uma ikhona;
• ikhophi yencwadi umsebenzi (wonke amakhasi) nomqashi esiqinisekisa irekhodi;
• nanoma yimiphi imibhalo eqinisekisa isamba kanye umthombo iholo lakho - siqu ifomu 2 intela edonswa eholweni, izitatimende ze-akhawunti yasebhange, kokuthola ukondla obushade naye emuva kwesehlukaniso noma usizo njalo zezimali nokunye ..

Kwezinye amabhange le mibhalo kwanele, kodwa mortgage kakhulu loan kudinga inombolo olukhudlwana kwamatayitela. Ngokwesibonelo, cishe kuyodingeka ukulungiselela:

• 9 ifomu - esitifiketini sokubhaliswa endaweni yokuhlala unomphela;
• ifothokhophi passport abo bonke abantu abahlala nawe, kanye nomkhaya wakhe (abazali, izingane, abangane bomshado) kungakhathalekile izindawo zokuhlala;
• ulwazi inani impesheni kanye nekhophi yesitifiketi yempesheni-non-ukusebenza izihlobo ubudala ifaniswe;
• amakhophi izitifiketi ukufa kamufi eziseduze - owakwakhe, abazali noma izingane.

Nalapha futhi, imibhalo

Uma uneminye impahla ezibizayo, udinga amadokhumenti omthetho eqinisekisa ilungelo impahla - .. Bills ukudayiswa, isipho, izitifiketi azimele ukuba cottage, ifulethi, imoto, njll Futhi uzodinga isitifiketi Ifomu 7, libhekene nemingcele ungumnikazi ifulethi / izakhiwo okungezona zokuhlala.

Njengoba nje une ukwabelana emuzini, izibopho kanye nokunye. E., Kuyadingeka ukuhlinzeka i kula irejista lemihlomulo abanikazi kwamatayitela.

Nokuthathelwa nezezindlu - it unesibopho. Ngakho ukuthi nakanjani kudingeka unikeze ubufakazi ubuqotho bakho - Umlando wokukhokha kwemali, amakhophi namarisidi ukukhokha ngesikhathi esifanele ngocingo kanye Tinsita, imali yokuqasha yakhuphuka yaba ngoba ezinyangeni ezimbalwa ezedlule, futhi kungcono unyaka owodwa noma emibili.

Uma une-akhawunti yasebhange - ikhadi, zamanje, idiphozi, credit, ngokufunwa, njll -. Uzodinga imibhalo eqinisekisa phambi kwabo.

Ngaphezu kwakho konke lokho ukuthola loan, qiniseka Thenga isitifiketi esiqinisekisa ukuthi awungeni ebhaliswe emtholampilo engqondo kanye imithi.

Uma you bizela kuze ibhange uzodinga amakhophi hhayi kuphela, kodwa futhi okwangempela izibambiso ngenhla, kanti uma unanoma co-obolekayo, iphakethe efanayo kwemibhalo kufanele ukulungele futhi kuye.

Nalapha futhi imibhalo

Imibhalo engeziwe kungadingeka kulabo basebenza "ku" futhi has ibhizinisi lakhe siqu. Lokhu kungafaka amakhophi amadokhumende ephambili, accounting izitatimende mayelana nokuba khona inzuzo / ukulahleka Kule minyaka embalwa edlule, abasebenzi, amakhophi izinkontileka ukhiye, lekuhanjiswa - ngokuvamile, nanoma yimiphi imibhalo engahle ziqinisekisa ukuzinza kwezezimali inkampani yakho kanye nekhono layo lwekutfutfukisa.

Uma IP ngaphandle inhlangano esemthethweni, ibhange kungenzeka ukubuza ukunikeza:

• isitifiketi sokubhaliswa;
• irisidi yokukhokha izintela iminikelo e izimali ezahlukene;
• amakhophi yasebhange izitatimende ze-akhawunti ye-minyaka embalwa edlule,
• izindleko ileja futhi engenayo (uma ekhona);
• amakhophi BEE kwezakhiwo kanye namanye amaphepha emvume njengalokhu ubufakazi ukuzinza kanye solvency;

Njengoba ubona, efulethini ungaphakathi mortgage - kuba ngempela enzima. Uma yonke imibhalo edingekayo ifakwa, kuzomele ulinde isinqumo ibhange ukuthi akunikeze a mortgage. Ngokuvamile, isikhathi ngenxa yokucabangela kungathatha kusuka izinsuku emasontweni ambalwa, kodwa ezinye amabhange anikele inkonzo "mortgage okusheshayo" lapho isinqumo zingenziwa amahora amabili noma amathathu. Thola imvume yangaphambili, usungaqala ukucinga efulethini.

Indlela ukukhetha yasebhange: i abatshelekayo enenzuzo kakhulu

Uma uhlu olude kwemibhalo edingekayo ngeke ikwethuse, futhi kwasicinisa ezinqumweni zawo ukuthatha loan ingcebo, ake sihlolisise umbuzo kanjani ncamashi ukukhetha sipho nenzuzo kakhulu. Kuhleli obala ukuthi sokukhokhwa mortgage - a eside futhi kunalokho kuyabiza, kodwa akhokhe njengoba wazi, abafuni muntu cha. On yini okumelwe siyibheke lapho ekhetha isikhungo ngesikweletu?

1. Okokuqala, kufanele sihlole ngokucophelela izinhlelo ezihlinzekwa emabhange. Ngesikhathi esifanayo, ukuzama sinake izikhungo ezisebenza emakethe akulona onyakeni wokuqala kanye nerekhodi ithrekhi efakazelwe.
2. Uma usunayo ikhadi (ikhona) yanoma yiziphi amabhange, futhi wenelisekile umsebenzi wakhe, okokuqala unake zabo kule ibhizinisi. Iqiniso liwukuthi amakhasimende ngokuvamile njalo, izikhungo eziningi zezimali ukunikela ekhethekile, ezikahle izimo ngesikweletu kunabantu asebenza kubo la okokuqala.
3. Nakani hhayi kuphela inani lenzalo, kodwa futhi ngenani cishe izinkokhelo yesikhathi esisodwa, futhi leyo mali ngenxa kungaba mikhulu. "Ikhomishini" enjalo angase akhokhiswe yibhange yokukhipha izitifiketi ahlukahlukene, umshwalense kanye namanye amasevisi.
4. Qiniseka ukuhlola kungenzeka buyiselo zakuqala imalimboleko. Ngokwesibonelo, ebhange, njengoba "VTB", mortgage kungaba nomvuzo ekuseni kungabikho izinkinga, kanye nezinye izinhlangano credit, kulesi simo zidinga iklayenti ukukhokhela ezinye izinhlawulo ezengeziwe futhi izinhlawulo. Iphinde kungathinta okukhethayo.
5. Cishe wonke yesikhungo ýkhasýmende has website yayo siqu lapho ungakwazi ukuthola kalula wokubala mortgage. Akuve elula: ngokugcwalisa ezifanele emasimini, ungakwazi cishe ukubala malini imali kufanele ukhokhe ngenyanga. Qhathanisa lezi zibalo, egijima emakhasini amabhange eziningana, futhi ukucacisa sipho nenzuzo kakhulu.

Ukuze hhayi kudidaniswe iziphakamiso eziningi, ungenza ngokwakho itafula elincane, lapho amakholomu kuyoba nezimo abolekise kanye amayunithi wezinhlamvu - a amabhange ambalwa ukunikela abatshelekayo. Qinisekisa ukuthi usebenzisa wokubala mortgage - kuyoba lula kakhulu tibalo nokusiza ukucacisa ngokweqile inani lemali yokukhokha njalo ngenyanga.

Amakholomu (nenqubo) kungaba:

• esithize ekuvumelwene;
• Izinga lenzalo yemali mboleko,
• lokukhokha nyangazonke;
• iKhomishani, yesikhathi esisodwa izinkokhelo;
• kudingeka yokuqinisekisa engenayo;
• kungenzeka buyiselo zakuqala;
• usayizi kokuqala umnikelo saziso;
• izinhlawulo ekhokhe sekudlule isikhathi Imali nyangazonke;
• kwephromoshini.

Yiqiniso, uhlu ezihlongozwayo ngemibandela ungakwazi ukwengeza ngendlela esilindele yakho. Ungagijimeli ukukhetha yasebhange ephansi senzalo - mhlawumbe, zonke ezinye izimo ngeke inzuzo kakhulu. Ngakho hlola wonke amaphuzu e-eziyinkimbinkimbi.

mortgage Komphakathi

Kukhona elinye futhi iphuzu lapho kufanele sinake lapho ukhetha ebhange. Iqiniso liwukuthi i-kwezinye izigaba zezakhamizi inikezwa okuthiwa mortgage nomphakathi - abolekise concessional ihlose ukuhlinzeka izindlu abantu abasengozini azilona neze ukwazi ukuthenga indawo in the "mortgage commercial".

Umehluko omkhulu phakathi lolu hlobo abolekise kuyinto izindleko eyodwa imitha square kwezindlu uthenge. Ukuze iqhaza kulolu hlelo, kumele afake isicelo ukuthuthukisa izimo zokuphila futhi ibhaliswe ku Administration lendawo ohlala kuyo. Lapho, isicelo sakho sizoxoxa futhi zamukele isinqumo ezifanele. Omunye nenqubo esiyinhloko okuzobe kudlalelwa amarekhodi anjalo ivuliwe umugqa KM RT Ukulungiswa № 190, kusuka kulo kulandela ukuthi izinga endaweni Imininingwane izindlu ukuhlinzeka umuntu ngamunye 18 m ^2.

Abahlanganyeli zohlelo "mortgage Social" kungase kube, isibonelo, abasebenzi isimo. Isikweletu singasetshenziswa ikhishwe ngaphansi nje 7% ngonyaka kuze kube iminyaka engu 28,5, kuyilapho ngokuvamile ukwenza inkokhelo yokuqala kungadingeki.

Nokho, akubona bonke amabhange sisebenze lolu hlobo obolekisayo. Ulwazi olufanele mayelana lapho kungenziwa ikhishwe, futhi kungakhathaliseki ukuthi ungakwazi ufanelekele ukuthola ke, kungatholakala edolobheni (district) ekuphathweni. Ngokuvamile lapho has a umnyango obhekele Inqubomgomo izindlu.

Uboleka imikhaya abasha

Abantu asebebadala nxa ikakhulu wathola izindlu kwamaSoviet, mortgage imikhaya abasha - manje cishe indlela kuphela ukuthola izindlu zabo futhi babe ezimele. Ngenhlanhla, lolu hlobo abolekise busekelwa isimo.

Yonke imikhaya abasha ongabamba iqhaza ohlelweni yombuso kanye ufanelekele sikahulumeni ukuthengwa emakhaya azo. Jwayelekile kwindawo umkhaya wabantu 2 42 square metres. Lo mndeni ungase ufanelekele grant in inani 35% yezindleko izindlu. Uma umbhangqwana osemusha onezingane, izinga izindlu ibalwa njengoba 18 m ² ngomuntu ngamunye, kanye nosayizi isibonelelo luyanda 40% intengo.

mortgage State kubantu abasha unganikezwa hhayi kuphela endabeni uma beshadile - "ibalula" ingase futhi ufanelekele loan oyithandayo. Ukuze wenze lokhu ezweni lonke kuyinto uvuselela umkhuba wokusebenzisa ukwakhiwa amaqembu umfundi, okuyinto akhiwa amanyuvesi amaningi. Ngemva iyunithi fighter enjalo izosebenza "ngokuba okuhle kwezwe lokhokho," bayizinkulungwane eziyikhulu namashumi ukuqhela amahlanu, kuba ufaneleke ukuthola abatshelekayo ku efulethini ngezindleko. Ngenxa yalokho, abanye umsebenzi ukwenza, ungakwazi ukuthenga indlu ushibhile izikhathi 2-3 kuka kusukela value emakethe yayo.

Mortgage ngoba servicemen

Uhlelo Lukazwelonke "Military Mortgage" - lena enye inguqulo ye ukusekelwa ethandwayo. Uhlelo luhlose ukuthuthukisa izimo zokuphila abombutho yi uxhaso mortgage uhlelo. Konke kuncike isikhundla seqembu usuku yesivumelwano sokuqala ukugeleza inkonzo.

Ingqikithi yalo Uhlelo "Military Mortgage" itholakala lokuthi ukuthi minyaka yonke mhlazi-akhawunti ngazinye isimo ngasinye serviceman ubala ethile, futhi leyo mali njalo ibuyekezwa uhulumeni waseRussia kuye ngokuthi ezingeni emali kanye nezinye izinkomba. Ngokuhamba kwesikhathi, lemali anqwabelene ingasetshenziswa njengendlela yokukhokha phansi mortgage.

Izinzuzo nezingozi nebubi

Manje ukuthi uneminyaka okungenani Imibandela, wakwenza kwacaca ukuthi mortgage ezifana nokuthi wayithola, akunakwenzeka ukuba ayeke ku izinzuzo main nemibi le ndlela ka obolekisayo.

Yiqiniso, inzuzo enkulu ka mortgage wukuthi efulethini yakho siqu, ungathola khona manje, kunokuba ukuze onge imali yokuzifundisa ke iminyaka eminingi ezayo, "mykayas ezisemagumbini." Njengoba loan ikhishwa iminyaka eminingi, inkokhelo yanyanga zonke ngokuvamile ingenkulu kakhulu, futhi wokuyibuyisa ngokugcwele bakwazi besilinganiso Russian.

Nokho, naphezu kwezinkinga elalibhekene "rainbow" amathemba akudingeki bayakhohlwa amaphutha, phakathi lapho kwasekuqaleni kufanele ubizwe ngokuthi omkhulu Isithakazelo ngokweqile, ngezinye izikhathi ukufinyelela ezingaphezu kuka-100%. Ngaphezu kwalokho, cishe zonke inkontileka mortgage zihlale khona third-party izindleko - ukunakekela akhawunti loan, ukuze kuhlolwe isicelo, imishuwalense ahlukahlukene, ikhomishini nokunye. Konke lokhu ndawonye ongafinyelela 8-10% yezindleko ukukhokhelwa phansi. Futhi-ke, uhlu omkhulu kwemibhalo, nakuba lokhu akumangalisi, ngoba trust yasebhange imali eningi, futhi esikhathini eside kakhulu.