IzimaliMortgage

Indlela ukwehlisa izinga ku mortgage ku Savings Bank? Imibandela yokuthola bengatshelekwa ku Savings Bank

Isidingo refinancing mortgage zingavela ezimeni eziningana. Okokuqala, isizathu salokhu angase bayisibonelo yokuthi ephansi inani lenzalo ku bengatshelekwa ku Savings Bank. Okwesibili, ngenxa yezinguquko izinkokhelo ngaphansi isisindo currency angaphandle iyehla iyenyuka. Nakuba Sberbank inikeza abatshelekayo in ruble, akashintshi yokuthi izinguquko izilinganiso zokushintsha zangaphandle kuthinte solvency sabantu.

ukwesekwa State

Ngaphambi asesebenzisa ukwehla amazinga lenzalo noma okukhethwa kukho ozokusebenzisa yibhanga ngeemali, qaphela ukuthi kwezinye izimo, izenzo sabantu kwesekela luhlelo, olwenziwa isimo. Nokho, ngisho noma ngabe amanani atholakala kusukela 2015, kuye kwaba nzima ukukhokhela umboleki, kungenzeka ukuncipha zenzalo yokuzigcina mortgage osuvele ukhona? Yiqiniso, kungenzeka. Futhi lokhu, ungakwazi ukusizakala izifundo eziningana senzo.

Kanjani ukuba athathe isinyathelo?

Okokuqala, udinga ukubhala ukunikeza sokubolekwa umbolekisi elihambisana isicelo. Namuhla, bonke amabhange ezinkulu kufanele refinance. Phakathi kwalezi bungabonakala Savings. Uma sibheka lokhu isikhungo credit niyithole ushintsho lwemali, ukuncishiswa izinkokhelo zenyanga ivolumu ukunciphisa ngenxa.

Uma usebenzisa abolekise yangaphakathi, Oqondisa sivumelwano mortgage, Sberbank uncoma umboleki:

  • Ukuze aqinisekise ebhange izimali kucelwe umboleki uzobe okuqinisekisiwe kumelwe abuyiswe.
  • Funda mayelana zonke umehluko wemisindo nemiqondo yamagama ezidingekayo, kuhlanganise namalungiselelo ekhona kanye ezombusazwe yangaphakathi kwenhlangano (ukuba khona loan mortgage nge rate engezansi, isibonelo).
  • Isitatimende ukuba ahlanganise futhi uthumele lokho kuyadingeka ukuze babonisane imenenja.

Uma ibhange ilungele ukuhlangabezana nesicelo, ukuthi lakhipha isinqumo esihle, lo muntu obolekayo kuyodingeka wenze amalungiselelo amasha nemibandela. Kuyadingeka ukuthola kusengaphambili ukuthi izinga kwi-mortgage ku Savings Bank.

Yini catch?

Nokho, nakuba le ndlela iyona efanele kakhulu futhi esilungele ikhasimende, nokuqaliswa kwalo akwenzeki ngaso sonke isikhathi, ngoba amabhange ungathandi ukuyekethisa wanquma zenzalo. Isizathu ukungavumi refinance, ngokuvamile abakwazi ukuveza.

Uma lo muntu obolekayo inqabile ukwehlisa inani izinkokhelo ekufiseni kwayo befuna imbuyiselo ekuseni, usale nezikweleti, it is a ngcosana zavuza of action. Ngokuvamile, basuke bonke ubilise phansi ukuthatha loan omusha kusuka broker noma kwelinye ibhange emigomeni izindawo ezingconywana. Kusho udaba nazo zonke iziqiniseko kanye ebukhoneni iphakethe ababebuthene ngokugcwele kwemibhalo. Kulokhu, iklayenti ngokuvamile akwenzi uhlangabezana ukumelana, okwenza le ndlela ethandwa kakhulu. Lona impendulo yombuzo othi kanjani ukwehlisa izinga ku mortgage ku Savings Bank.

Kwezinye izimo, refinancing ezikweletini ngokusebenzisa ezifanele entsha?

Ngaphansi kwaziphi izimo kufanele ugijimele ukuthola ukuthi ukwehlisa izinga nesithakazelo esebenzisa loan entsha, futhi yini hhayi? Okokuqala ochwepheshe ukweluleka acabangele iphesenti ukukhokha kokugcina. Ngokwesibonelo, uma umehluko phakathi loans ezintsha nezindala kuyoba% 1 kuphela, inani izinkokhelo zenyanga futhi ukukhokhelwa kuyoba bucishe bulingane. Futhi endabeni yokulawula ukuguquka inzalo engako, futhi ukuwa kwamandla emali, i-inzuzo enjalo kusheshe ababhubhayo.

2% umehluko futhi abakwazi ukunikeza impumuzo namandla, njengoba ochwepheshe uqaphele, kodwa uma umuntu wathatha ruble ayizigidi ezingu 3, uthi, enkathini eyiminyaka engu-25, kanye ukwehla credit kusukela 14.5% kuya 12.5% ngonyaka, ezifana senzalo on mortgages e ukonga ingakusiza ukuba ulondoloze mayelana 2 sesigidi sama-ruble ngokweqile.

Iphuzu lesibili okufanele banake - khona ukubambezeleka isikhathi nemikhawulo yokuhlengwa ekuseni. Futhi ukungabi nakwenzeka kwento kabusha futhi buyiselo zakuqala amasha mortgage umzamo okwalandela perezayma imali kungaholela yi amaklayenti e eyengeziwe izinkinga, kumangala nezinkantolo.

ezinye umehluko wemisindo nemiqondo yamagama

Yini enye Ihambe bengatshelekwa ku indlu? Sberbank - kwekulu sesikweletu, kodwa kukhona nazo izingozi zayo.

Ungase futhi ukusho ekutholeni imali-mboleko entsha kuso ngoba lwemali ikhasimende sibalulekile, ngoba izakhamuzi eziningi Russian Federation kakade bebhekene nezinselele ezinkulu ngo-2015. Babefanele ukudlulisela zamadola ku mortgage ruble. Kule ndaba, kuyafaneleka ukubuza hhayi kuphela ukuthi kungenzeka ukuba wehlise intela yemali mortgage, kodwa yayihlanganisa nokuthi ngabe ushintsho lwemali kungenzeka. Ngokuvamile, ababolekisi kalula ukunikela umuntu loan lwemali ruble, okuyokwenza dollar ukukhokha izikweletu.

Indlela ukushintsha rate on mortgage ku Savings Bank? Lo mbuzo iyathakazelisa eziningi.

Yini okufanele mina cabanga?

Iphuzu lokugcina handling kufanele sinake umboleki - izindleko imali, ubungako bawo liyadingeka sokuvuselela yesivumelwano. Isamba lezi zindleko kufanele ibe ngaphansi inani ngokweqile, asele kungaba uma imalimboleko efanayo. Nokho, uma zonke izimo zifeziwe, futhi amazinga intshisekelo ongaphakeme, ungakwazi ngokuphepha iya ebhange. Ngemva kokwenza izibalo kwesikhashana futhi imibhalo ekhethiwe, kanye nemeneja, sokunquma ukuthi kungenzeka ukunciphisa isithakazelo umboleki balindelwe isiphelo sesimiso sokuvuselela loan ubudala yesivumelwano. On ababolekisi entsha kuhlanganise kungenzeka ukuvuselela isibambiso ingcebo.

Ngaphezu kwalokho, ukuhlelwa kabusha kwesikweletu namuhla kungenzeka ukushintsha uhlu iziqinisekiso ngu isibambiso ushintsho, yisibambiso ukwakhiwa kanye yomshuwalense. Futhi akukho mahluko, umuntu wemvelo noma womthetho kuyinto yisiboniso entsha. Kodwa lezi zinguquko e yesivumelwano sokuqala kumele icaciswe nethemba isicelo sabo kamuva. Kulokhu, konke okudingekayo kusukela obolekayo, kuzodingeka ukuba ahlinzeke izitatimende. Nokho, ochwepheshe ngaphambi kokuba belulekwa ukuba uthintane umphathi webhange nsuku saziso. Nakhu ukuthi wehlise izinga ku mortgage ku Savings Bank.

Kunini futhi kungani kungaba senqabe?

Futhi nakuba ngokuvamile inqubo yokuthola bengatshelekwa akubangi nobunzima kule ndaba, futhi, kungaba ukwahluleka nokuthola izimali. Ngayiphi kungenzeka isizathu efihliwe ukuze nokwenqatshwa kokunikezwa loan mortgage ukuze lo muntu obolekayo?

Nokho, okokuqala, yiliphi ibhangi, kuhlanganise entsha, zithintana solvency esizayo umboleki sika. Futhi ngempela kubalulekile lokhu umlando wokukhokha omuhle evela kweminye abakweletwayo ngalesi simo. Futhi okwesibili, lanikeza impahla eseduze sihamba kokuxilongwa. It akuphazamisi yokuthi usanda bachitha umbolekisi kuyinto kwelinye ibhange. Phela, ikhasimende kudingeka aphansi zenzalo on mortgages ezikhona Sberbank.

Ngenxa yalokho lezi amasheke kuyonqunywa yini noma cha ukukhipha loan mortgage ukuze umboleki ngayinye. Uma iklayenti kwenqatshiwe udaba loan, kumele kukhunjulwe ukuthi wachitha phezu kokucubungula isicelo ngeke ibuyiselwe. Inani lokugcina izindleko Yiqiniso, akunakwenzeka ukuba idlule ruble ayizigidi 5-10, kodwa ikhasimende njalo kumele baqonde ukuthi izingozi lapho esingatha ebhange.

Imibandela yokuthola bengatshelekwa ku Savings Bank

loan Mortgage eyakhishwa Savings Bank ngaphansi kwale mibandela:

- I minimum loan Isamba ruble ayizigidi 300 ..

- Umkhawulo kumele singeqi 80% ukubaluleka impahla ngokwezimali.

- Loan eside - kusukela eminyakeni emi-5 kuya ku-30.

- 20% phansi lokukhokha kumele kwenziwe.

- senzalo - 11,75% ngonyaka (10.75% ku "umndeni abasha").

ukuze ababoleka nezidingo standard. Ubudala kusukela engu-21 kuya ku-75, umsebenzi esemthethweni nge ubufakazi engenayo.

Ngokulandelako, cabangela indlela yokunciphisa izinga ku mortgage ku Savings Bank.

Indlela ukwehlisa izinga kwi-mortgage ku Savings Bank?

Kuleso simo, uma iklayenti ungenisa ngamabomu ebhange efanayo lapho loan esithathwayo main, ukuze bathole refinancing, kuba ukusetshenziswa yokugcina, inkambo wesithathu isinyathelo, okungukuthi iphendukele ukwelashwa ezinkantolo. Nokho, kukhona ezinye izingibe. Isimo kubalulekile sinqumo senkantolo omuhle esivuna umboleki - Kuyaphawuleka ukwephula of elawula amalungelo wonke amakhasimende. Uma ukwephula enjalo ningagcini ke isimangalo enganeliseki. Futhi ke ahlale mortgage ingashintshiwe ku indlu. Sberbank ucinise kakhulu ukuhambisana credit izibopho umboleki sika.

Hlobo luni ukwephulwa?

Yiziphi izimo kungenziwa labizwa ngokuthi ukwephulwa? Ngokwesibonelo, kungase kube isikhathi nosuku ukubala inzalo. isikhundla esibhaliwe №39 CBR ka 26 Agasti 1998, inqubo bha ukuxazululwa. Kususelwa kuleli lungiselelo, isithakazelo iyokhokhwa yibhange ngoba esele esikweletini sokubolekwa imali ekuqaleni omusha ngamunye kosuku lwebhizinisi. Noma yimuphi ukuphambuka kusuka lo mthetho, iklayenti unelungelo wawo ukuthi bafuna ukumangalela imibhalo yokubuyiselwa ekukhokheleni ngalokwecile noma kwi-obolekisayo.

VTB24 mortgage kungaba ehlise izinga ngezizathu ezifanayo njengoba kule Savings Bank. Ikuphi okuhlangenwe nakho kukhona isizathu ukugcwalisa amaphepha esicelo enkantolo sokuba kabusha loan ayemkweleta? Ukuze labo zihlanganisa okuzenzakalelayo umboleki ukuze iziqiniseko ebhange. Kulokhu, umthengisi noma ebhange kuzosebenza ngokugcwele ngokuhambisana nemigomo yisivumelwano esibhalwe phansi, futhi ukuze kuvikelwe izithakazelo zabo zezimali, kanti futhi banelungelo hhayi kuphela ukuhoxisa isibambiso, kodwa futhi isicelo enkantolo. Ngakho ngokuvamile izenzo Sberbank.

Mortgage (ukuthi kungenzeka ukunciphisa intela yemali Imibandela, saxoxa) ikhishwa kuze kudlule isikhathi eside. Phakathi nalesi sikhathi, umkhaya ungase ushintshe, isibonelo, ingane izalwe.

Indlela ukunciphisa mortgage phezu ukuzalwa kwengane?

senzakalo esijabulisayo - ukuzalwa kwengane emndenini, kodwa futhi ukusetshenziswa kwezimali omkhulu, okungase zingancishiswa uma abazali amasha ukunikeza ubufakazi 2-PIT ebhange. Lesi sitifiketi kuqinisekisa izinga imali futhi kunciphisa Ukucabangela mortgage, uma sibheka cishe kunoma iyiphi yomuntu obolekisayo. Futhi nakuba ezinye zidinga ngokugcwalisa amafomu abo, Sberbank ukuqinisekisa imali kungaba nganoma iyiphi indlela elula kwikhasimende.

Uma refinancing noma mortgage loan ungenisa umndeni abasha lapho okungenani oyedwa owakwakho ezingaphansi kweminyaka engu-35, zizokwenziwa zibe wanikela imikhaya okhethekile loan. Pros okulandelayo:

  • e co-umboleki kungathatha abazali babazukulu;
  • yaminyaka yonke senzalo kuzoncishiswa;
  • kungenzeka ukuhlehliswa buyiselo uthishanhloko iminyaka 3;
  • lokuqala eyaphuma ngalo zingancishiswa 10%.

Lokho kulula futhi ngokushesha ukukhokhela sonke isikweletu sendlu zizokwenzeka Savings Bank.

Zokubeletha mortgage refinance anganikeza Bank, okuyinto vele uye wathola loan, noma yimuphi omunye yomuntu obolekisayo. Nokho, imindeni emikhulu ngokuvamile anikele sokubolekwa Spec. izimo.

isiphetho

Thina siphethe ngokuthi uma umuntu kwaphakamisa umbuzo yokunciphisa izinkokhelo ku mortgage, okokuqala kungcono ujike lokunikeza loan yomuntu obolekisayo. Uma uthola ukwehluleka refinance, kufanele aye enkantolo uzophelelwa yomuntu obolekisayo. Sibheke indlela yokunciphisa izinga ku mortgage ku Savings Bank.

Similar articles

 

 

 

 

Trending Now

 

 

 

 

Newest

Copyright © 2018 zu.unansea.com. Theme powered by WordPress.