Yiziphi izinhlobo abatshelekayo ezikhona, futhi yini kungcono ukuthatha

Kasibili wonke umuntu kudingeka izindlu. Kodwa akubona bonke abantu abakwaziyo ukuthenga ngokushesha, ngaphandle incurring sokubolekwayo. Ngakho-ke kubalulekile ukuba uthathe mortgage. Yiqiniso, isinqumo akuyona the best, kodwa kuvamile kakhulu. Kodwa umuntu hhayi bakhanyiselwa e umuntu kuncike lokuqala ucela, futhi yiziphi izinhlobo mortgage ngokomthetho? Futhi, ngenxa yokuthi isihloko sihambisana, kubalulekile ukutshela ngakho umniningwane elengeziwe.

Inguqulo evamile

Nayo mayelana nokuthi yiziphi izinhlobo abatshelekayo khona isimiso, kuyafaneleka lokuqala zonke gxila uboleka emakethe yesibili. Ngoba lokhu - inketho ethandwa kakhulu. Isimiso ilula. Man kumele uthole indawo ukuthi abanye abantu ukuthengisa, futhi akhiphe inkontileka ku mortgage obolekisayo. Ngemva kwalokho, yena uthola indlu imali ebhange, okuyinto ke ukhokha kubo.

Kukhona ezinye izici. Okokuqala udinga ukuthola ofanele kakhulu izimo ebhange. The best kulesi sici yilezo isimo. Sinenkosi uhlelo mortgage loan kwaletha nangemininingwane emincane kakhulu.

Ngemva umuntu ayoyikhetha nenzuzo kakhulu mortgage sipho, futhi ukuthola lemali yena anganikeza, usungaqala ukucinga izindlu. Kodwa ngaphambi uyosondela up inkontileka, kuzodingeka akhokhe imali ebhange kanye yomshuwalense.

mayelana nezimo

Ukukhuluma mayelana nezinhlobo mortgages, ingasaphathwa ukunakwa bese, ukuthengwa amakhaya yesibili kunganikeza.

Ngakho, efulethini akufanele etholakala endlini sibhidlizwe, noma okudinga ukulungiswa futhi ukwakha kabusha. Kuyinto efiselekayo ukuthi kwaba sesimweni esihle. Phela, ingenzele mortgage iminyaka engu-30, futhi ibhange ubophekile uqinisekile - uma umuntu abakwazi ukukhokhela izikweletu, umonakalo uyokwenza ukuba ziyakwazi ukuzivumelanisa nalolu ngokuthengisa izindlu.

efulethini Okuningi Kufanele uphile. Okungukuthi, ukuba indlu evamile, kodwa hhayi ukuba ihhotela noma aphathe eziyinkimbinkimbi kamasipala. Futhi kufanele ube isakhiwo standard, okuyinto ezokwenzeka uhlelo BTI. By the way, amabhange alivamile bengatshelekwa ukuthengwa zokuhlala, esisogwini phansi noma zesitezi sokuqala. Futhi "Khrushchev".

Obolekayo iyadingeka futhi ihlangabezana nemibandela ethile. Kumelwe sivumelane isakhamuzi kuphela okungenani okuhlangenwe nakho yonyaka. Futhi kungcono uyeke udumo uma iholo liphansi, ngoba njalo ngenyanga kuzodingeka ku 45% nomholo wakhe.

Nge ukulingana iqhaza

Uhlu, ekhomba izinhlobo mortgages, ikakhulukazi lena yesibili. It has izizathu lalo. Mortgage ukulingana iqhaza - it is, eqinisweni, ukubolekwa imali ukuthenga izindlu indlu elalisanda kwakhiwa. Futhi, ngenxa yokuthi isakhiwo ongakabi wasungula, amanani ezinjalo ze ezindlini by 20-30% eshibhile kunokujwayelekile.

Isimiso kulokhu uhlukile kulowo odlule. Ukuze uqale, umuntu kufanele akhethe umakhi. Uyothumela kuye uhlu amabhange ukuthi ngokuvumelana nayo. Futhi phakathi kwalaba bantu ukhethe eyodwa enikeza inani elihle kunawo ngemigomo yekhredithi. Le nguqulo yesibili efanayo, kodwa amaqiniso abonisa okuphambene. umuntu Okokuqala inquma yasebhange, bese uyakhetha unjiniyela - ohlwini wanikwa khona.

Nokho, kulesi simo, zikhona yokuntula, futhi. Ngokwesibonelo, ukhokhe inzalo enkulu (1-2%), zokukhokha ukubambezeleka into. Nokho, nebubi zikhona yonke indawo.

Ukuze umndeni abasha

Eminyakeni yamuva, buthola eziningi udumo yilo uhlobo loan. Mortgage kusiza abantu abaningi, ikakhulukazi uma izindlu idinga womkhaya osemncane. Iphuzu eliyinhloko ukuthi iziphathimandla zendawo ukwaba uxhaso abantu bakhokhe iphuma okokuqala. Ngakho-ke kuvela inciphise loan.

umndeni Nabantwana ukwaba 30% yentengo. Abantu abanale ingane - 35%. Ukufeza mortgage encishisiwe, kudingeka uthole ohlwini lokulinda. Uma kufika ithuba lika-umndeni othize, zinikelwe isitifiketi ukuthengwa amafulethi. Lokhu - indlela eya lokuqala eyaphuma ngalo ebhange ngoba loan.

Kufanele wazi ukuthi imibhangqwana womkhaya osemncane yilezo lapho indoda ngayinye kungekho abaneminyaka engama 35. Banikwa bengatshelekwa iminyaka amathathu. Kodwa kungase kube ukubambezeleka (lena enye plus abolekise concessional), kanye nabo kungaba engaba ngu-35. Nokho, ngisho ukuthola indlu, kumelwe sihlangabezane nezimfuneko eziningana. Eyokuqala - ngamunye abashadayo kumele abe yisakhamuzi we Russian Federation. Futhi umsebenzi ohlelekile, nge kuwumthombo wemali khona, okuyinto kungaqinisekiswa ngokuthola isitifiketi. yobudala Ubuncane umuntu ngamunye - engu-18.

Ikhredithi ngcono izimo zokuphila

Lesi sihloko futhi kufanele ukunakwa kuqashelwe, ukhuluma ngani izinhlobo abatshelekayo. Ezezindlu, abantu abaningi kakade, kodwa ngokuvamile kudingeka umkhaya noma ukwandisa isikhala ephilayo noma ukwenza ngcono izimo. nezindaba ezinjalo zivame ixazululwe nje. Abantu athengisa efulethini, okuyizinto ke ku ukuqhutshwa ukuthenga kwesinye isakhiwo, ukukhokha imali ethe xaxa, ekhishwe yasebhange njengendlela mortgage.

Inzuzo enkulu lolu hlobo loan ukuthi angakhipha ngaphandle eseduze futhi wemisebenzi. A kabanzi eyayiqhutshwa izinhlelo zendawo federal, ukuhlinzeka isimo othisha, isibonelo, ngemindeni nezingane eziningi, njll Ngaphezu kwalokho, i-credit lokwenza ngcono izimo zokuphila anganika, ngisho ngaphandle kosizo umsebenzi unomphela. Futhi zenzalo aphansi.

Imininingwane abafokazi

Abantu abaningi abayizakhamuzi kwamanye amazwe abanesifiso umbuzo - ukuthi kungenzeka ukuthi ube mortgage esinikezwe imvume yokuba yisakhamuzi? isihloko ezithakazelisayo. Nokho, ukuthenga indlu, noma ubani angazenza ku Russian Federation. Kodwa lapha lena akuyona inani eligcwele, nokuthatha loan, kunzima kakhulu. Izikhungo zemali bavame ukuzigwema ukuthengiselana ngokuchema nabantu bakwamanye amazwe, njengoba bengenayo yisakhamuzi isiRashiya, futhi ngenxa yalokho, bakwazi kalula aziphume ziphele kuleli zwe, hhayi ukuze ngikhokhe izikweleti. Kule ndaba, amabhange kokuqina izidingo zabo ngangokunokwenzeka maqondana ababoleka. Nokho, kukhona amabhange ukuthi zibhekwa bentela othembeke kunabo babhekwe njengabezinye izizwe. Kodwa mortgage jikelele kwi imvume yokuba yisakhamuzi kuyinto engokoqobo. Kodwa ungakwazi ukutshela mayelana nemibandela ngokuningiliziwe.

izidingo

Nokho, uma alien unqume ukuba athathe mortgage esinikezwe imvume yokuba yisakhamuzi, kumele, okokuqala, kube baqashwe ngokusemthethweni eRussia. Futhi akhokhe izintela futhi ube okungenani izinyanga eziyisithupha isipiliyoni somsebenzi ku Russian Federation. Okuningi kuyodingeka ukufakazela iqiniso lokuthi umfokazi ezako ezingu-12 kuyoba ukusebenza eRussia. Ungakwazi umane unikezele ngenkontileka nomqashi kanye isitatimende engenayo. Ubudala nalo libalulekile. Kwemisebenzi yoMnyango - ephakathi kwengu-25 no-40.

Kodwa abanye amabhange ngibeké phambili zimfuneko ezengeziwe. Ngokwesibonelo, ubuncane lomsebenzi eRussia kungenzeka izinyanga 6, futhi eminyakeni emibili noma emithathu. Futhi imali sokuqala, okuvamise 10%, kuzokhuphula kuya ku-30%. Ingadinga guarantors noma ababoleka ngokuhlanganyela (izakhamuzi Russian). Futhi impahla uyasho Bank pledged imali. Nokho, yebo, kuzokhuphula inani lenzalo. Ngokuvamile, kunzima abafokazi iya mortgage.

Izinhlobo mortgage loans zihlukile umehluko wemisindo nemiqondo yamagama athile, futhi lesi simo - hhayi ngaphandle. Umfokazi kuyodingeka abuthe iphakethe kwemibhalo, ngaphezu standard (izitifiketi imali, ubude umsebenzi, izinkontileka umqashi nokunye. D.). Uzodinga passport yakho civil kanye ikhophi kwasayinwa nge okuhunyushiwe Russian. Futhi - imvume yokusebenza e-Russia kanye ukungena kuleli zwe (visa). Futhi usadinga ikhadi ukufuduka kanye ukubhaliswa esifundeni lapho loan ikhishwa.

ibheyili

Kuyaziwa: ukuthola loan, kufanele uhlinzeke ibhange inani elithile kangangokuthi wayengathi sithathe isinxephezelo yakhe isikweletu oluvelele (uma yomkhokhi akakwazi ukukhokha imali). Iyathinteka kanye mortgages. Uhlobo eseduze kuleli cala - kungcono ingcebo. Futhi lapho uhlose ukuthola umuntu ethatha imali-mboleko.

Konke ilula. Indoda silungiselela imalimboleko ebhange (noma ezinye isikhungo sezezimali), nge isimo ukuthi efulethini kuthengwa ku lemali, futhi uyokwenza njengokungathi izibambiso. Abawinile kukhona bonke abahlanganyeli kule kuthengiselana. Obolekayo ekugcineni uthola imali futhi uthenge ifulethi. Bank uthola inzuzo kule indlela yokukhokha ku inani lenzalo, futhi ngenxa yokuthi lokho isihluthulelo amakhasimende ukuthola izindlu, kunciphisa ubungozi okuzenzakalelayo.

Futhi yonke into yenziwa izinyathelo eziningana. Okokuqala, iklayenti uthola imvume ebhange. Khona ukhetha indlu, ukutadisha izimakethe zamabanga aphansi naphezulu. Khona - ucubungula futhi insures impahla. Futhi ekugcineni esayina inkontileka, uthola iholo imali deal, bese ngabavela kuwo.

On the "izingibe"

Manje kubalulekile ukukhuluma mayelana umthwalo ngesimo abatshelekayo. Lona kanye izwi isivele ifakwe okushiwo definition. Encumber efulethini, ithengwa a mortgage, ezifana imigoqo Amalungelo ubunikazi, kanye nokubeka kuye imithwalo yemfanelo efanayo.

Ukuyibeka kalula, ukuze umuntu akwazi ukudlulisela izindlu zabo ukusetshenziswa abanye zesikhashana ukuba asamukele, noma zama ukuthengisa ukukhokha izikweletu. Kodwa konke lokhu - kuphela kwemvume pledgee. Ekhuluma ewukuhlakanipha okwenziwe okuyinto kuleli cala uba ebhange. Zonke encumbrances isuswa indoda lapho ubavuza bambonge ngalokho akufeza. Kusukela ngesikhathi eba umnikazi egcwele efulethini.

Kodwa uma, isibonelo, ufuna ukuthengisa ke lapho izikweletu akuyona ukusikhokha, kuyodingeka unakekele mayelana umehluko wemisindo nemiqondo yamagama. Ngaphezu inkontileka sokuthengisa, izenzo nokuhanjiswa liyadingeka, kwemvume pledgee futhi isitatimende amaqembu kuthengiselana ebhaliwe.

umshwalense

Sekuvele okukhulunywa izikhathi eziningana ukuthi izindlu uthenge kufanele ukuthathelwa umshuwalense. It ngempela. Yiziphi izinhlobo umshwalense kanye nokukhokhela indlu? Ababili babo - kokubili amandla kanye uyazikhethela.

Ngakho, ukukhokhela umshuwalense noma kunjalo kudingekile. Kodwa lokhu - izindleko ongaphakeme. Ngokomthetho, umboleki kumele ukuthathelwa umshuwalense mortgage kuphela, okungukuthi, flat, ukuthengwa ngalo imalimboleko esithathwayo. Ngokuvamile kuba mayelana 1-1.5% wezindleko.

Ukwenza umshwalense ezengeziwe etholwe ukuvikela yezindlu evela monakalo nalokhu kulahlekelwa. Nokho - isihloko ukulahlekelwa amalungelo endawo, okungase kwenzeke ngenxa yokukhwabanisa noma yokuthengisa double. Ekugcineni, ngisho ukuphila nempilo iklayenti ivikelwe. Phela, nguye ofanelwe udumo ngenxa ukuthengwa kwezindlu esithathwayo okuyisilinganiso seminyaka engu 10-15. Kuyinto isikhathi eside, futhi ngalesi sikhathi umuntu kungenzeka noma kuphi, ngoba ukuphila akuqinisekile.

Kanjani ukuze sizuze?

Nokho, mortgage elusizo kuphela amabhange kanye nabasunguli, kodwa ababoleka futhi ufuna ukuba abanjwe. Futhi uma ufuna imali, kungcono ukuba ingenzele incwadi loan okwesikhathi esifitshane kungenzeka isikhathi. Benefit ingabalwa ngu isibonelo esilula. Ake sithi insizwa ithatha ruble 1 million ebolekiswe ku lokuthenga ngesikweletu futhi inzalo ka-13% ngonyaka. Uma wathatha leli nani iminyaka emihlanu, khona-ke uyoba ukunikeza ngenyanga ruble 23 000, futhi ekugcineni le-ngokweqile kuyoba 366 000 k. Hlela a mortgage iminyaka engu-15, ngeke bakhokhele 13 t. P. Akukhathalekile! Yebo, kodwa kuphela efika kuqala. Ngokusho imiphumela, yena overpay ruble-1.3 million. Ngakho ukuthi umbuzo isikhathi, kudingeka unqume kuqala kunazo zonke.

Kodwa yini oyitholile yazo zonke izinketho ngaphambili efakwe ohlwini kungcono? Ungakwazi phikisana isikhathi eside, sibhale ngokucophelela ngobuhle nangobubi bawo. Wonke umuntu - nezakhe. Kodwa uma senza wahlulela ke ngomqondo ovulekile, inketho ngokuthenga izindlu kuyakhiwa - okungcono. Okokuqala, ungagcina kakhulu - kusuka 1/5 kuya 1/3 ye ingqikithi. Futhi ngokweqile njengoba 1-3% izinga lapha akusho inendima ekhethekile. Okwesibili, awukwazi wesabe ukubambezeleka ngokuya nokuthuma. Manje amabhange babe izivumelwano kuphela konjiniyela okuthembekile, ngoba izingozi zimbalwa futhi ziyantula. Kodwa ukuxazulula, futhi, wonke umuntu kufanele ungumnikazi.