A mortgage ukuthi kuwufanele ukucabanga futhi

Inkinga futhi mortgage

Inkinga yokungabi 2008-2009, njengoba wazi, shaya ku mortgage ukunciphisa kakhulu inani lolu hlobo abolekise cishe zimbalwa. On the eziya ziba zimbi nokuntengantenga kwezezimali emabhange ezweni asabela ngayo izinguquko zaphakade e mortgage obolekisayo. Ukukala liyaphuma, izicelo waqala sihlole kabanzi, ngisho kakhulu. Labo ababoleka anezithunywa ukuvunyelwa loan abo phambi esibucayi, kwakumelwe athole kakade kule ndawo entsha, futhi zazinezinkinga yayo. Ngakho, ukwanda amanani ohloselwe umboleki ukuze wehlise inani nge ayekwazi ukuthola loan. Ngenxa yalokho, efulethini, okuyinto abantu ukuthembile, akakwazanga ukuthenga, futhi kwadingeka ukuba ubheke impahla entsha. Kwathi, imibandela mortgage zingaqhubekela washintsha futhi.

Kwezinye amabhange ngesikhathi kunezinkinga mortgage kwakukhona luyingxenye bokuzisholo. Bafaka izimo cishe akunakwenzeka imalimboleko kanye zenzalo yokuthi akakwazanga ukudweba umboleki. Kaningi kuyenzeka ukuthi ngemva kwesikhathi eside ngenxa yokucabangela kwemibhalo nje anqatshelwe.

Nokho, abantu abaningi abakhwelwe ukuthatha loan mortgage ngaphambi inhlekelele 2008-2009, kwadingeka ukuba uzisole. Alex Shmona CEO ingosi ye ingcebo Move.su ukuthi esimweni esinzima abahlala wathatha mortgage kumadola. Nge izinga yayo sokukhula ivolumu izinkokhelo ikhuphuke kakhulu futhi abaningi hit ephaketheni.

Futhi, ngokuvumelana uchwepheshe, ngonyaka ngaphambi esibucayi, kanye ukubukeka imikhuba emibi emnothweni, amabhange usuqalile ukubheka indlela yokuphepha, kanti ukungezela kulokho mortgage inkontileka umshwana ngaphansi kwezimo ezithile ebhange unelungelo ukukhulisa amanani ukubolekisa sesivunyiwe - isibonelo, nokungawuvivinyi ngokwanele ukubaluleka impahla ngamasimu. Phakathi nenhlekelele, ababoleka abaningi waphinda kabusha funda inkontileka yakho futhi ayeseduze ukwethuka - kwezinhlansi kokuqagela ukuthi mortgage amazinga amabhange empeleni wandise unilaterally kakade loans. Eqinisweni, uthi u-Alexei Shmona asinalo ulwazi isivele mortgage loans ngempela bakamalalahlengezela ukukhulisa amanani - Kungenzeka kube nezimo angawodwa kuphela - ezindaweni. Ngakho isidumo kwezinhlansi kokuqagela kwaba kungakabi isikhathi ukujika ezinjalo izenzakalo.

Kanjani amandla okubhekana nezinkinga ababoleka

Nokho, hhayi kuphela amahemuhemu mayelana nokwenyuka kungenzeka e zenzalo emalini ebolekwe sesivunyiwe futhi ukwanda dollar iphazamise ukuthula mortgage ababoleka. Izinkinga yangempela kwaqala ngo labo abaye nje nenkinga yangempela: labo ababoleka abalahlekelwa yimisebenzi noma ngasizathu simbe ngisho esimweni esibucayi akakwazanga ukukhokha isikweleti ebhange. Njengoba sekudlule ukuncipha okukhulu kwabantu, kuhlanganise abaqondisi abaphezulu kanye nabaphathi, ababoleka kwakungesona kancane ngakho.

Nokho, kufanele sikhumbule ukuthi kungakhathaliseki isimo sezimali kuleli zwe, osebeni umboleki iphutha kunzima kangakanani hhayi inzuzo. Ngakho-ke, amabhange abaningi babekulungele ukuthatha izinyathelo maqondana lo muntu obolekayo, uma kuphela, wahlala nabo, futhi ngokushesha noma kamuva bazokwazi ukukhokhela mortgage.

Vitaly Bahvalov, Inhloko Marketing futhi Ukukhangisa Group of izinkampani SU 22 uthi, ngempela, ngesikhathi 2008-2009 esibucayi, abanye ababoleka mortgage asikwazanga ukukhokhela izibopho zayo. Noma kunjalo, amabhange babekhuphukela ukuba bahlangabeze abantu nalabo ababoleka abangabhalisile ukufihla wangena ukufihla uma kwenzeka izinkinga, futhi uma ngikhuluma iqiniso nje wavuma abakweletwayo kobunzima - yatholwa buyiselo deferment noma nolunye usizo. Ngokwe-uchwepheshe, ibhange uhlale nesithakazelo eqinisweni lokuthi umboleki mortgage ikhokhwe kuye kuze kube sekupheleni, futhi ngezikhathi zeziyaluyalu amabhange amaningi ayengeke nihlale nivumelana ezinye izinyathelo esekelayo.

Sergei Liadov, umkhulumeli ukutshalwa kwezimali futhi kwathuthukisa inkampani "City-xxi Century" wangitshela ukuthi ngokuvamile ibhange inikeza ezintathu ongakhetha ukuxazulula inkinga: ukubambezeleka yokukhokha, ukwanda kokungabi eside loan, futhi njengoba inketho kakhulu, angabuyisela izikweletu ngokusebenzisa ukudayiswa efulethini. "Kuyaphawuleka ukuthi isikhalazo enkantolo ibhange ngeke okungenani, ngokuyinhloko ngenxa isikhathi kokwenzekayo kanye imiphumela kwakubikezelwe. Inkantolo ungenqaba ekuthatheni eseduze, uma, isibonelo, watshala flat - yokukhosela kuphela umboleki futhi uma futhi uhlala nezingane ezincane, "- wathi uchwepheshe.

Ngakho, okwenzeka 2008-2009 esibucayi, umboleki uma izinkinga ngenxa yokukhokha imalimboleko (isib, ukulahlekelwa umsebenzi), kunezindlela ezintathu eziyinhloko. Eyokuqala - kuyinto ukudayiswa amafulethi, futhi ngaleyo ndlela akhokhe izikweletu ebhange. Ngesikhathi lapho amanani izindlu rose, leli qhinga angazuza ngisho. Kodwa njengoba bawa kakhulu ngesikhathi kunezinkinga, kwakungase ujike ukuthi ngemva ukudayiswa efulethini kwenzakala umboleki namanje ukweleta yasebhange ngenxa yokuthi ukuqhutshwa akuzange ingaphezulu izikweletu ku loan mortgage.

Eyesibili inketho kulabo ababoleka abalahlekelwa yimisebenzi noma ngasizathu simbe namanje ulahlekelwe ikhono akhokhele. Kulokhu, abantu ba- ebhange futhi wavumelana hlehlisa izinkokhelo. Ngokuvamile, ngokusho kongoti emakethe, ngempela ababoleka abonakele eMoscow, kwadingeka adayise indlu ngesando, kwakukhona cishe akukho - labo amayunithi wahlangana. Ezindaweni, izinto zazizimbi nakakhulu, kodwa engenayo inhlokodolobha abantu ngenhla, futhi Ukukhetha emabhange ubelokhu kakhulu. Ngakho-ke, amabhange wonke amabutho wazama ukuxoxa nabantu ngokuvamile baziphathe ngempela ngobuqotho.

Isimo sesithathu siwukuthi umuntu ukuthatha loan currency angaphandle (isibonelo, ama-dollar), futhi ulinganisele yayo kukhuphuke khudlwana ngesikhathi kunezinkinga. Amabhange ahlinzekwa kulokhu uhlelo refinancing, umboleki wathatha udumo lwemali entsha - in ruble - kodwa ngisho izimo zamanje. Empeleni, kuba loan entsha ngokuphelele, njengoba inani lenzalo, kanye izimo zazingcono emakethe - futhi ababoleka amaningi enqaba ukwamukela refinance, ngoba ngemva ezinye izibalo Kwahlaluka ukuthi in ruble, kodwa izimo ezintsha pay kwakuyodingeka ibe nakakhulu kunangaphambili .

mortgage namuhla

Namuhla, mortgage zonke ukukhuluma ngendlela ehlukile. Othile usethe omuhle futhi ekholelwa ukuthi emakethe mortgage besondela oyi-Inkinga level, othile ngomusa uthi akuyona elula njengoba kungase kubonakale.

Konstantin Shibetsky, umqondisi womnyango mortgage Code Civil of MIC, nethemba lokuhle ngekutimisela eluhlolweni yayo isimo. Ngokusho kochwepheshe, mortgage lanamuhla emakethe (mortgage eMoscow) uphila ukuphila ngokugcwele ashukumisayo, loans sinikezelwa, izinto ethengwayo. "Uma kuqhathaniswa nenani lesikhathi zangaphambi crisis zingenzeki ngoba mortgage amabhange kancane kancane simisiwe phambi crisis. Imigomo mortgage loans uye obathuthuka, nezinga lokushisa esibhedlela (ikhredithi lenzalo) ka 12.4%, siye ngempumelelo unqobe, amazinga kwehlile, ubukhulu yokukhokha phansi, futhi, yawela ku-avareji yamaphesende 15-20%, kukhona ngisho isiphakamiso kanye zero inkokhelo yokuqala. Ababoleka imali, amabhange waqala cabangisisani ngalowo okwengeziwe, "- wathi uchwepheshe.

Ngokusho uMnu Shibetskogo namuhla ngempela ukukhuluma ngokubuyiselwa emakethe mortgage. Iziphetho uchwepheshe kwenza okulandelayo - "isigaba subprime (ababoleka kungekho yokuqinisekisa engenayo) mortgage amabhange namuhla akudingekile, main lwemali mortgage loans -. The ruble Russian, isabelo dollar ukubolekisa azinakwa, inani imali ezakhiweni ezintsha nge ngamunye odlulayo ngenyanga inyuka"

Natalia Parfyonov, Inhloko Sales Izifunda "Relight Invest" uqinisekisa ukuthi imakethe ngempela lapho ukhuluma ngani amathuba nenhlekelele omusha eRussia. Nokho, ngokusho kongoti, isidingo wamanje kungukuthi lesi sifo, kodwa amabhange kancane ukukhulisa ezigxotsheni futhi lihlobene eduze Ukukhishwa ukubolekisa, ukunciphisa izinga esiphezulu ingozi.

Ngokusho inkampani "Incom-Real Estate", ekwindla ka-2008, ibhange noma ngenkuthalo embozwe izinhlelo zabo mortgage, ngesilinganiso okwanda, wabahlukanisa kuzinga ezimba. Namuhla, sibona amazinga nokukhula 0.5-1.5% ikakhulukazi amabhange nekomkhulu zakwamanye amazwe, kodwa akuyona hopping njengoba kwakunjalo eminyakeni engu-3 edlule. Ngaphezu kwalokho, emakethe mortgage siqhubeke amabhange amasha, kusho nokugcina umsebenzi.

Ngokusho kochwepheshe lenkampani, inani pre-inhlekelele mortgage abolekise zizokwenziwa ngasekupheleni kwalo nyaka.

Kulabo asesabi

Kungakhathaliseki ukuthi ayemakhulu amathemba ababenawo noma isimo ezimakethe mortgage wabathengi, u-Alexei Shmonov leluleka abantu abahlanganiswayo manje kokunquma mortgage, ayicabangele ngokucophelela ngobuhle nangobubi bawo. Ake neseleko ezingxabanweni yakho "ngoba" wukuthi akekho anganika Ukubikezela enembile yendlela emakethe uyokwakha. Akekho kungase kubonise esifanele, lapho ungathatha loan indlu, noma ngesikhathi lapho, isibonelo, kuhle kakhulu ukuba uwuthenge ifulethi. Ngakho-ke, zonke ezidingekayo ukwenza into enkulu out of isidingo lanamuhla yakho siqu, hhayi ezama ukubikezela isimo ngokuphelele iminyaka 5 ngaphambi - elinde isikhathi esihle. Enye into, ngokusho kongoti, kubalulekile ukuqonda ezingeni ukuzinza sakho sezimali - kungakhathaliseki uqiniseka imali engenayo emikhayeni esizayo ukukwazi kwabo ukusebenza, njll Nokho, lokhu kungekho muntu nesiqiniseko, ngakho nesisindo ngokucophelela ngobuhle nangobubi bawo, futhi uma unomuzwa wokuthi silingo - ke ukuthatha loan mortgage. Kunoma yikuphi, imali emizini yabo kunokuba iqashwe.

Konstantin Shibetsky abantu abaye yanquma ukuthatha indlu, weluleka okulandelayo: okokuqala, kumelwe soberly ukubala amandla azo okwenza imali nyanga zonke uma ungakwazi ukuba zimbi kakhulu izinga lokuphila lenyuka nezindleko zanyanga zonke.

Okwesibili, kudingeka abe zigciniwe lemali le- "ilanga lina" cishe izinyanga ezingu-6 izinkokhelo zenyanga ku loan, kuyoba ukukuvikela ingozi yokulahlekelwa umsebenzi futhi engenayo ngokungabi bikho ophoqelelwe ngesikhathi search wakhe. Okwesithathu, akusiyo imisindo banal, sincoma ukuthi ukuqapha eduze impilo yabo, kusukela ngosuku imalimboleko, kuzodingeka ukuphila ehluke ngokuphelele, ukuze "bamukele tibopho credit", futhi kuyodingeka enze, futhi kungcono ukukwenza employable.

Sergei Liadov isiqiniseko sokuthi babe nemisebenzi nokulondeka ngokwezimali kakhudlwana uma ukuboleka lwemali lapho kufika engenayo eyinhloko. Kulokhu, ingozi lwemali umboleki lincishisiwe. "UMkhandlu ababoleka akuyona yokuqala - hhayi ukushintsha indawo yomsebenzi ezikhathini engaqinisekile, ngenkathi sigcina umholo wabo, futhi indlela izinto njengomuntu ohluzekile yomuntu isabelomali imali" - isazi sithi.

Inkinga kwaba sasivumela isimo ezivamile lapho abantu ukuthatha indlu, ngisho naphezu kobunzima ngokwezimali, ukuzinza esikhokhelwe, kodwa ukwakhiwa kwezindlu iye simisiwe. Kwatholakala ukuthi endleleni abantu abagqoka futhi bengatshelekwa, futhi izindlu eziqashisayo, futhi namanje abazi, kodwa lapho emizini yabo izokwakhiwa. Natalia Parfenov ukhuthaza labo futhi bazishaye isifuba ngokuthi ukwakha isakhiwo esisha, siyihlolisise idumela Umakhi, imiklamo yayo oluqhubekayo bese kuphelile. "Kubalulekile ukunaka esigabeni ukwakhiwa, aba maningi ukuzimisela ekhaya, ephansi ingozi sidle" - uchwepheshe ukholelwa.

Sithemba ukuthi lezi zincomo kuzokuvumela waphinda nesisindo ngokucophelela ngobuhle nangobubi bawo bese uthatha indlela obhekene esiphethweni kuthengiselana mortgage. Portal Move.su ufisa hhayi ukuthi usephutheni sikhethe!