Ingabe kufanelekile ukuthatha i-mortgage manje? Ingabe kunenzuzo ukuthatha i-mortgage manje?

Isimo sezomnotho eRussia manje sesiyinkimbinkimbi, kanti izakhamizi eziningi zicabangela indlela yokuqinisekisa ukuphepha kokulondoloza ngokutshala imali ekuthengeni indlu. Abanye balindele ukutshala izimpahla ezingenalutho ngemali yomuntu siqu, abanye bathembele ekubolekeni kwebhange. Kodwa ingabe kufanelekile ukuboleka isikhwama semali manje? Mhlawumbe kunezindlela ezifanele zokutshala izimali?

I-Mortgage inenkinga: amaqembu amabili ezinkomba

Ukuze uphendule umbuzo wokuthi ungathatha yini imali manje, lapho iRussia inenkinga yezomnotho enzima, kuyoba usizo ukuqala ngokuhlaziya ukuthi yiziphi izingxenye eziyinhloko zenkinga yebhange, okuyinto abahlaziyi abaningi abasho ngayo. Khona-ke sizozama ukuthola ukuthi izigwegwe ze-EU ne-US ezibhekiswe eRussia zizobhekana kanjani nalezi zimo - yibo abacelwa ukuba badlale indima ebalulekile ekutheni izitayela zezinkinga ziye zavela emnothweni waseRussia.

Ngakho-ke, yiziphi izinkinga ohlelweni lukazwelonke lwebhange laseRussia? Ochwepheshe bathola amaqembu amabili amakhulu ezinkomba ezinzima, eziphinde zakhiwe ngaphansi kwethonya lenani elikhulu lezici ezihlukahlukene.

Inkinga yokuxazulula izinkinga

Isibonakaliso sokuqala sezinkinga: i-solvency yabantu iyancipha. Abantu abakwazi ukukwazi ukwenza imali mboleko entsha. Lokhu, futhi, kuhlotshaniswa nezici ezilandelayo eziyinhloko.

Okokuqala, ngokukhula kwamanani emali, ukwanda kwamanani empahla eminingi yabathengi, ikakhulukazi imikhiqizo engenisiwe. Ukwanda okubonakalayo kwezindleko zempahla yasendlini. Futhi lokhu kungakhathaliseki ukuthi umholo wangempela, uma ukhula, awukwenani ngokulinganayo. Futhi, amanani ezindlu nezindlu zomphakathi, izithuthi zikhula njalo. Umphumela: izakhamuzi azikho izimali zamahhala zokusebenzela imali.

Okwesibili, lokhu kungukubaluleka kwengxenye enkulu yabakhamuzi. Abaningi bangacabangi ukuthi kufanelekile ukuthatha i-mortgage manje, kungakanani ukuthi bangabuyisela kanjani imali mboleko yangaphambili. Abantu abaningi baseRussia banenkinga yokukhokha isikweletu sabo samanje.

Manje ake sizame ukunquma ukuthi izigwegwe zezomnotho ezithinta iRussia zithonya kanjani ukuvela kwesibonakaliso sokuqala senkinga. Ngokuphathelene nesici sokuqala, cishe kunethonya. Ukuphakama kwentengo yemikhiqizo ochwepheshe kuhlobanisa ne-embargo yokudla yaseRussian Federation ngokumelene nabahlinzeki baseYurophu - futhi ngalendlela ngandlela-thile ihlangene nezigwegwe. Lena impendulo yaseRashiya kubo. Mayelana nesici sesibili - cishe, iphutha lezigwebo lapha lihlobene. Iqiniso liwukuthi iningi lemali mboleko yanikezwa amaRussia isikhathi eside ngaphambi kokuba kube nokucindezeleka kwesimo sezombangazwe.

Mhlawumbe, sizophinde sibe nelungelo lokuphawula ukuthi zombili izici ezakha ifonti ehambisanayo zihlobene. Ukuphakama kwentengo yemikhiqizo kanye nezinsizakalo, kusobala ukuthi, kunciphisa ukuxazululwa kwe-solvency yomuntu obolekayo, uma inemalimboleko.

Inkinga ebhange

Isibonakaliso sesibili senkinga: ukuwohloka kwesimo emabhange, ngenxa yalokho - ukungakwazi kwezikweletu nezikhungo zezezimali ukukhipha izikweletu, kuhlanganise nokubolekwa kwemali yokubolekwa kwempahla, nokuzinikezela ezimweni ezikhululekile kumthengi. Izimo zesimo samanje, nazo, zilandelayo.

Okokuqala, amabhange manje anenhloko enkulu kakhulu yamahhala. Ukuze banikeze okuthile kubbolekayo, amabhange kufanele abe nokuthile. Ukukhokhiswa kwezikhungo zezikweletu zaseRussia ochwepheshe abaningi kulinganiselwa ukuthi akuphakeme.

Okwesibili, amabhange, ngokweqile, asezingeni elifanayo nalabo ababolekayo - ngesici sesikweletu. Iqiniso liwukuthi bona ngokwayo bafaneleke kakhulu kubathengi bangaphandle, iBhange LaseRussia Ephakathi.

Futhi, ake sizame ukunquma ukuthi izigwegwe zingabekwa yini ngesimo samanje? Ochwepheshe abaningi bakholelwa ukuthi kunjalo. Kungani? Abasekeli balo mbono bagcizelela ukuthi ingxenye enkulu yezikweletu zaseRussia nezikhungo zezezimali zibolekisa abathengi bangaphandle. Eminyakeni ngaphambi kokuhlushwa, benza ngenkuthalo izikweletu zangaphandle, basebenzisa izimo ezithakazelisayo ngenzalo. Ukukhokhwa kwezikweleti kwakucatshangwa ngokuyinhloko ngezindleko zokuvuselela - ngenxa yokubolekwa kwemali engenayo yangaphandle. Manje, uma ezimweni zokugwetshwa kwamabhange aseRussia sebelahlekelwe cishe ithuba lokuba babikezwe kwamanye amazwe, abadingayo kudingeka bafune imithombo emisha yokukhokha. Izikhungo eziningi zezikweletu, abahlaziyi bathi, abanalo izimpahla zabo. Futhi nakakhulu ngakho-ke awunayo inhloko-mali ukuyikhipha njengemalimboleko.

Okubaluleke kakhulu - isimo esimabhange?

Ukubikezela ukuthi imali eyokwakhiwa kanjani, lokho okumele kukulindele emakethe, kuxhomeke kakhulu ekuhlaleni, abahlaziyi bakholelwa, emva kokubili isimo esimweni samabhange. Isici esibonisa umsebenzi wababolekayo abangase sibe sesibili kule nkathi. Ngisho noma amaRussia engenazo izinkinga nge-solvency, eshiwo ngamanani okwenyuka (ikakhulukazi - nge-elekthronikhi nezinye izinto ezingeniswe ngaphakathi) nokuntuleka kokukhula kwemali yangempela, isimo embonini yasebhange ngokwaso sikhulu kakhulu kangangokuthi imakethe yokubolekwa kwempahla iqala ngokuhlanganyela Eminyakeni embalwa edlule, abacwaningi bakholelwa.

Ukubuyiselwa ngamaphesenti

Cishe, abahlaziyi bakholelwa ukuthi, uma amabhange efuna ukubolekisa izakhamuzi ngezikhathi zenkinga, bazokwenza kanjalo ngokukhulisa kakhulu inani lentengo. Noma ngokuqinisa imigomo yokuvuma imali. Ngakho-ke, kungenzeka isimo lapho umuntu engadingeki ngisho acabange ukuthi angayithatha yini imali manje. Cishe, ibhange nje alinakukwazi ukuhlinzeka ngesikweletu ngendlela ekhululekile. Noma ngisho wenqabe isicelo ngenxa yezizathu zangaphakathi zenkinga. Ingabe kunengqondo manje ukuthatha isikhwama semali esikhwameni lapho isimo emabhange singekho kahle? Ochwepheshe abaningi bakholelwa ukuthi izinqumo ezinjalo azikalungi.

Uma uhlelo lokusebenza luvunyiwe

Cabanga ngesimo esiphumelelayo - isibonelo, umuntu waseRashiya akanalo izinkinga ngemali mboleko yamanje, unomholo ophezulu, futhi ibhange, ngokuyisisekelo, likulungele ukumnikeza mboleko ekuthengeni izindlu. Ingabe kufanelekile ukuboleka lesi sakhamuzi manje? Impendulo yalo mbuzo inganikezwa, ngokususelwa ekutadisheni kwesici esiyinhloko sokwethulwa okuzayo: ngeke yini kuvele ukuthi emva kokuthengwa kwefulethi emva kwesikhathi kuzokwehla emalini kangangokuthi i-mortgage izoba ingenzi kumuntu?

Kulesi sici, uma sinquma ukuthi kufanelekile ukuthatha imali yangasese manje, kusemqoka kakhulu ukutadisha imakethe kungenjalo kusukela ekubukeni kwesimo esibucayi emabhange nasezigwetsheni, kodwa esikhundleni sokuhlaziya izitayela ezibonisa ukuguqulwa kokuthengwa kwezindlu kanye nokudayiswa. Yiqiniso, isimo sezombusazwe lapha senza indima ethile. Kodwa isici esiyinhloko emathembeni okutshala izimali ezindlini, ochwepheshe bathi, isimo sezindaba ezimakethe efanele.

Isimo emakethe yezindlu zangempela

Izinto zikhona kanjani ezingxenyeni zangempela? Ingabe kunenzuzo manje ukuthatha isikweletu semali ngokwemibandela yokulindela kwezindleko zezindlu? Ochwepheshe baveza izimo ezintathu eziphathelene namathuba okuthuthukiswa kwemakethe.

Ngokusho kokuqala, amanani entengo eminyakeni ezayo azohlala ezingeni eliphansi noma elingaphansi kwamanje. Abasekeli balo mbono bakholelwa ukuthi imakethe yamanje yendawo yokuhlala ngokuvumelana nemanani, ukuhlinzeka kanye nokufunwa kulinganiselwe. Ukunciphisa amathuba okusebenza kwabathengi ngenxa yokuvinjelwa kokuboleka kwamabhange kanye nokuboleka kwamabhondi aphansi, abacwaningayo bakholelwa, bazohambisana nokuncipha okuhambelana nokunikezwa kwempahla - ikakhulukazi ngenxa yokuthi abaninikhaya bafuna ukulinda inkinga futhi bangathengisi izindlu kakhulu. Ingabe kunenzuzo manje ukuthatha isihlobo sesikhwama somhlalaphansi kulokhu simo? Mhlawumbe hhayi kakhulu. Amanani azohlala efana, futhi inzalo ebhange, okungaphezu kwalokho, kungenzeka ukuthi ibe enkulu ngenxa yenkinga, izokhokha.

Kodwa-ke, kunengqondo ukwakha indlu ngesikweletu lapho umuntu okwamanje eqasha izindlu, futhi inani elilindelekile lokukhokha lizobe lihambisana namanani okuqasha. Noma kunjalo, lokhu kukhetha kuthatha ukuthi isakhamuzi sinesilinganiso esibalulekile esithombeni sokuqala se-mortgage. Futhi kulokhu, cishe kunenzuzo enkulu ukuyifaka njengediphozi, thola isithakazelo, ngenxa yokuthi, futhi, ukhokhele indawo yokuhlala eqashiwe. Amanye amabhange manje anikezela ukukhipha umnikelo we-20% ngonyaka noma ngaphezulu. Lokhu kubangele, ngokusho kwabahlaziyi, ngokunyuka kwezinga lokuqhathaniswa kweBhange Elikhulu, okwadlula ngo-December kuya ku-17%. Uma sithatha njengesisekelo isimo esixoxwe ngenhla, kusukela endaweni yokutshala izimali, idiphozi izobukeka inenzuzo ngaphezu kokutshala imali efulethini - akunakwenzeka ukuthi, kulokhu, izokhuphuka ngamanani ngo-20% ngonyaka, bese kuthi enye ibe ngesilinganiso esifanayo, kuyilapho kunjalo Ngesibambiso isithakazelo sibalwa yibhange ngokuqhubekayo.

Isimo sesibili sithatha ukuthi izindleko zendawo zizokhula. Lokhu kuzoxhunyaniswa, okokuqala, ngezinqubo zokwehla kwamandla emali. Kulindeleke, isibonelo, ukuthi ngokufingqa imiphumela yentuthuko yezomnotho ngo-2014, inani elifanayo lizodlula u-11%. Ngisho noma ukufunwa emakethe yezindlu zangaphandle kungenamandla ngokwanele, ochwepheshe bakholelwa ukuthi ukwanda kwentengo yendlu, ngokujwayelekile, kungalindelwa ngokulingana nokwehla kwamandla emali. Ingabe kufanelekile ukuthatha i-mortgage manje, uma sicabanga ngalesi simo?

Cishe, izilinganiso zomthengi ongenakho kuleli cala lapha kuzoba cishe okufanayo nasesikhathini sokuqala. Lokhu kungukuthi, ungathatha indawo yokuboleka indlu, uma okwamanje ihoxiswa izindlu, futhi izinkokhelo zenzalo ziyoba okufanayo noma okungaphezulu kakhulu kunomholo. Noma wenze idiphozi ngenani eliqoqwe ngenkokhelo yokuqala, thola intshisekelo futhi ngokubiza kwalokhu, ukhokhele ukuqasha.

Isimo sesithathu sihilela ukunciphisa izindleko zendlu. Lokhu kuzobe sekufanele kube khona ukungalingani phakathi kokunikezwa kanye nokufunwa emakethe, okungashukunyiswa yiqiniso lokuthi eminyakeni yamuva nje inani elikhulu lezakhiwo ezintsha liye laziswa eRussia. Nakuba ingxenye enkulu yamafulethi akhiwe ngaphansi kwala maphrojekthi alingana nokho, okwamanje amaphesenti angaqondakali azokwenziwa athengiswe ngamanani emakethe noma, isibonelo, ukubuyiswa kabusha. Lokhu kungadala, njengoba ezinye zezomnotho zikholelwa, ukuthengiswa ngokweqile emakethe yezindlu.

Mhlawumbe, uma ulandela lesi simo, akunandaba ngisho nokubuza ukuthi kufanelekile ukuthatha i-mortgage manje. Yiqiniso, lokhu ngeke kube yindlela enhle kakhulu. Uma kungumbuzo wokufuna izitshalomali ezihle kungenzeka ukuba unake imali. Uma kunesidingo sezindlu, kungcono ukuqasha, ikakhulukazi njengoba amanani afanayo, njengombuso, wehle ngemuva kokuthengwa nokuthengiswa kwengxenye.

Izinto zihlobene

Yiqiniso, zonke izimo ezimakethe yezindlu zangempela zixhomeke esimweni esisebhange, nasezingeni lokuxazululwa kwezakhamuzi. Ngakho-ke, singasho ukuthi lezi zinkinga ezingenhla zithinta ngokuqondile imakethe yezindlu, kanye nanoma yimuphi omunye. Ngesikhathi esifanayo, ochwepheshe basakakholelwa ukuthi izindlela zokuthengisa emgomweni - ukuhlinzeka nokufuna - zakhiwe ngaphansi kwetheksthi lezinto ezikhulunywe ngokulinganiselwe. Imigomo ibaluleke kakhulu, ibonisa isidingo sangempela samaRussia kulezi ezinye izinhlobo zezindlu, kucatshangelwa umthelela wezinqubo zokufuduka, izinguquko kwezobuchwepheshe zokwakhiwa kwamafulethi, njll.

I-Dollar exchange rate factor

Kodwa-ke, abanye ochwepheshe babheka ukuthi kuvunyelwe ukukhipha isimo sesine, esithatha ukwanda okukhulu kwezindleko zempahla ngenxa yethonya eliyingqayizivele, ngomqondo othile, into. Njengoba wazi, izinga le dollar liye lafika ku-ruble ngo-2014 cishe kabili. Kodwa-ke, iningi lezimali zezinye amazwe ezisathuthuka, kuhlanganise namazwe e-CIS, azange afike entengo kuMelika. Ngenxa yalokho, isamba esiphezulu samahora aseRussia futhi, kuthi, eKazakhstan, sichithwe cishe, noma mhlawumbe, siye saba ngaphansi kwaleyo esungulwe ezweni elingumakhelwane. Ngenxa yalokho, izindawo zokuhlala e-Russian Federation ngokusho, zithi, iKazakh ithatha ezinhlangothini eziningana zibiza kakhulu kunezo zomakhelwane. Izakhamizi zaseKazakhstan zigcina zifika eRussia zithenge izindlu lapha. Lesi simo, njengoba ezinye zezomnotho ziphakamisa, zingase ziqhubeke, futhi ziqinise ngenxa yomsebenzi ofanayo wezakhamuzi zamanye amazwe angomakhelwane - iBelarus, Azerbaijan, amazwe aseBaltic, mhlawumbe eChina. Lokhu kungaba ngezinga elithile ukufudumala ukufunwa kwezindlu zangasese futhi kubangele ukwanda kwentengo kumadayimandla okwandisa ukwehla kwemali.

Mhlawumbe umuntu kufanele afunde, anqume ukuthi athathe yini imali yokubolekwa kwempahla, imibono yochwepheshe mayelana nesimo sesine, kodwa kuphela uma ehlala edolobhaneni lomngcele. Okungukuthi, le ndlela ingabhalwa ngenani lendawo.

Iziphetho

Ngakho-ke, sithole izici eziyinhloko ezithatha izinkambiso ezibucayi emakethe yezindlu zangasese, futhi zihlolisise izimo eziyinhloko, ukutadisha okuzosivumela ukuthi sinqume ukuthi kungafanele yini ukuthatha imali yokubolekwa kwendawo yokuhlala emakethe yanamuhla.

Ake sizame ukufingqa. Ngakho-ke, emakethe yokudalisa ebhange - inkinga. Amabhange, kuzo zonke amathuba, ngeke akwazi ukukhipha izikweletu ngemishanguzo abayenzile eminyakeni eyedlule, nangemibandela efanayo ngenzalo. Ababolekisi, nabo, ngeke bahlale nethuba lokukhokha imali. Umphumela uba ukwehla kwesidingo. Isizathu sezinkinga zebhange yisimo sezombangazwe. Ngakho-ke, kuye ngokuthi kufanelekile ukuthatha i-mortgage manje, lapho izigwegwe ze-EU ne-US zisetshenziswa ngokumelene neRussia, mhlawumbe sithi asikho. Kudingekile ukulinda kuze kube yilapho isimo esibheke emabhange, sizothola imithombo emisha yokubolekisa izibopho ezikhona, noma izosizwa nguHulumeni.

Isici sesibili esingathonya isinqumo sokuthi ukuthatha imali yangempela manje yisimo emakethe yeRussia yangempela. Abomnotho basisekelo bahlukanisa izimo ezintathu. Lokhu kukuqiniswa kwamanani, ukukhula kwabo okuncane, ngokuhambisana nokukhuphuka kwemali, noma ukwehla. Noma, uma umuntu ehlala edolobhaneni elingumngcele, ezinye zanda izindleko zezindlu.

Ingabe kufanelekile ukuthatha i-mortgage? Izinzuzo kanye nokuziqhenya kwalesi sinqumo ngokuphathelene nesimo samanje semakethe kuyacaca. Phakathi kwezikhathi ezinhle - ithuba lokutshala imali enenzuzo, uma isidingo esikhathini esizayo esiseduze sizokhula. Abacwaningi, ngenkathi bebona ukujula okuphawulekayo kwenkinga yamanje, bakholelwa ukuthi isimo sizothuthuka esikhathini esizayo esizayo - ngenxa yokubuya okungenzeka kwamanani kawoyela, ukungena endaweni yokungena, ukuhlukahluka komnotho wezwe. Futhi, ukutshala izimali ku-real estate, okungenani, kuzoqinisekisa ukuphepha kwezimali zokutshala izimali ngokuphathelene nokukhuphuka kwemali. Phakathi kwezinhlangothi ezingalungile zesinqumo sokuthenga izindlu - amathuba okuwa kwamanani noma ukuntuleka kokukhula aphezulu kakhulu. Akukho noma enye ngeke izuzise umthengi wefulethi. Kanti futhi, cishe kulesi sigaba, amabhange ngeke akwazi ukunikeza ababolekisi amagama aphephile.