Kanjani ukubala mortgage: Amathiphu abazothenga

Izakhiwo eRussia akakwazi ngokuthi ezishibhile. Zimbalwa izingane izakhamuzi zethu nabo abakwaziyo ukuthenga efulethini entsha kuphela ngezindleko zabo. Iningi kufanele usebenzise le njongo imali yokwebolekwa. Lutho neze nengangibajwayele noma abangane uzokwazi ukuboleka ambalwa eminyakeni million ngakho 15-20. Ngakho ukuphela kwesixazululo isikhalo ebhange zentengiso.

Kungani kufanele ngilindele mortgage lokukhokha

Ngaphambi kokuba siphendule lo mbuzo kanjani ukubala mortgage, kuyoba ezifiselekayo ukuqonda, kodwa kungani ukukwenza ngaso sonke. Ungakwazi eqinisweni hamba ngqo ebhange - sentombazane consultant inaka zonke futhi ngokuningiliziwe enkulu ukuchaza konke. Ngomqondo onabile, lokhu kuyiqiniso. Kodwa ngaphambi kokuvula kwelinye noma kwelinye ibhange, kudingeka unqume ukuthi kuyini. Kunoma yikuphi idolobha eRussia usebenza ezikhungweni eziningana zezimali, futhi ngayinye kuwo linikeza amakhasimende ayo ithuba ukuthola loan. Uma njalo nje zisebenza ngamunye wabo, kuzothatha isikhathi esiningi.

Lula inqubo yokukhetha ingakwazi ubuchwepheshe iwebhu yesimanjemanje. Cishe zonke yasebhange lwenteke isevisi inthanethi evumela ukuthi wena ukubala nemingcele eziyisisekelo imalimboleko akuyona ngokuqondile induduzo ekhaya. Le sevisi njengoba wokubala loan ezaziwayo. Ukuze uthole imininingwane edingekayo esanele ungenele indlela eyisipesheli lemali oyifunayo bese elithi imalimboleko bese uchofoza "Bala". Ngemva kwalokho, lo muntu obolekayo uzothola ulwazi olugcwele mayelana lemali yokukhokha njalo futhi isamba ngokweqile ku loan.

Inkokhelo loan - umbandela esiyinhloko sinquma

Manje kwaba sobala kanjani ukubala mortgage. Umbuzo olandelayo: "Yini ukuba zenzeni ngalolu lwazi?" Kulula - khetha ibhange. Kodwa indlela yokukwenza kahle? zindlela ezimbili eziyinhloko: i-ngokweqile Imininingwane phezu loan futhi ubukhulu yokukhokha njalo.

Uma uthi nhlá, kubonakala sengathi izinto umbandela ngokuyinhloko kufanele kube ukuthi ukuthi ngokweqile lapho lincane, kukhona isidingo athathe isikweletu. Ngomqondo onabile, kunengqondo. Kodwa kuqala kunazo zonke okudingeka namanje ukugxila lokukhokha nyangazonke. Lokhu kuchazwe ngezizathu ezimbili:

1. Kungakhathaliseki ukuthi ubukhulu ngokweqile ku loan, udinga ukukhokha njalo ngenyanga. Uma umboleki ekhetha loan ne ngokweqile kancane, kodwa izinkokhelo inkulu kakhulu njalo esikhathini esizayo, angase unezinkinga buyiselo mortgage. Ngesikhathi esifanayo, iyiphi loan kungenziwa ikhokhwe ngaphambi kwesikhathi ebesibekiwe, yebo, uma izimali imvume, kanjalo sinciphise ubukhulu ngokweqile.
2. Ukuthatha isinqumo sokuvuma loan, ibhange is edingekayo acabangele ukuthi ingxenye yeholo labo umboleki izothunyelwa ku yokuhlengwa kwakhe. I ezincane kuba, amathuba ngaphezulu ukuze uthole imvume isicelo semalimboleko.

Izindlela ukuze akhokhe isikweletu sendlu yakho

Ukuze kahle ukuhlola imiphumela ukubala ezenzakalelayo, kuyinto efiselekayo okungenani Imibandela, ukuze uqonde ukuthi ukubala inkokhelo mortgage. Ungenza lokhu ngezindlela ezimbili.

1. Diferentsirovannym. Kulokhu, inkokhelo kuhlanganisa esilinganayo uthishanhloko ukuba ibuyiswe. Umthamo isithakazelo okumele ikhokhwe nyangazonke, ibalwa okusekelwe oluvelele loan lemali. Njengoba sokukhokhwa mortgage, kancane kancane kuyancipha. I asondeze Ekupheleni kweThemu loan, ephansi inani lokukhokha umahluko.
2. Annuity. Nale ndlela sokukhokhwa yokukhokha ayiguquki phakathi nayo yonke inkathi loan. Imali nyangazonke uhlanganisa ngokuyinhloko enqwabelene isithakazelo, bonke abanye uya ukuba isifundazwe sikhokhele oyinhloko.

Ukwazi kanjani ukubala mortgage yiziphi izici kungcono ukwenza isinqumo, ungakwazi ngokuphepha uqhubekele inqubo yokukhetha ngekusasa yomuntu obolekisayo. Umholi ecacile emakethe Russian amabhange ezimbili isimo iqhaza, "Savings Bank" futhi "VTB 24".

Nokuthathelwa ku "Savings Bank": elula ukubala, kulula ukuhlela

Abaningi kulabo abafisa ukuthenga indawo ku lesikweletu kuphenduke "Savings Bank". Akumangazi, eqinisweni ingenye abaholi ngesikweletu emakethe Russian. Ngakho-ke, ngokuphelele wonke umuntu kuyoba usizo ukwazi ukuthi ukubala mortgage ku "Savings Bank".

Ukuze wenze kanjalo, ngomqondo obanzi ilula. On the website esemthethweni yasebhange kukhona credit wokubala. Vele ugcwalise ifomu, futhi uhlelo uzokwenza zonke izibalo ezidingekayo. Obolekayo kumele akhombise izindleko elilinganisiwe efulethini, ubukhulu yokukhokha phansi elisho ehlelelwe umhla ukuba abuyisele ngokugcwele loan. Ngemva ukubala ke uzothola ulwazi mayelana ubukhulu imalimboleko, inkokhelo yanyanga zonke kanye nenani ngokweqile.

Kubalulekile ukukhumbula ukuthi izinga isethwe ngamunye umboleki ngamunye. Ngakho-ke, usayizi waso langempela zingahluka kusuka ibalwa (okuyinto ifakwe algorithm ukubala). Noma kunjalo, lokhu okutholakele kuzosiza ukuthola umqondo jikelele mayelana nemibandela mortgage abolekise uku "Savings Bank".

Mortgage ku "VTB 24" kuzosiza bonke ukuxazulula le nkinga yokuntuleka kwezindlu

"VTB 24" - omunye amabhange ngobukhulu isiRashiya, ukuhlinzeka amakhasimende ayo nge uhla egcwele services zezimali. Qotho indlela izivakashi, elula futhi ukubhaliswa okusheshayo - konke lokhu kuhlanganisa loans ibhange "VTB". Bala mortgage kwi website esemthethweni kungaba ubani.

Ukuze uthole ukwaziswa on nemibandela abolekise kuyadingeka ifomu ekhethekile ukuze ukhombise esifundeni yokuhlala umboleki, inani amalungu omkhaya wayo, esikhathini loan, ubukhulu yokukhokha phansi ofiselekayo isamba semalimboleko. lolu hlelo luyoba ukubala inani owandulelayo inani lenzalo ngesisekelo lolu lwazi, inani inkokhelo yanyanga zonke kanye isamba ngokweqile.

Ukuthenga ifulethi ngesikweletu, ngezinye izikhathi VO ukuthola siqu square metres yabo. amabhange Abaningi Russian ukunikeza amakhasimende abo ukuhlela mortgage. Kanjani hhayi ukwenza iphutha futhi sikhethe kahle ezihlukahlukene ezifana ongakhetha? Kulabo abazi kanjani ukubala mortgage, akunzima kakhulu. Loan yokubala ayatholakala kwi-website ye-amabhange kakhulu, kuyokusiza ukuba ngokushesha futhi kalula ukunquma nenani lenkokhelo nyangazonke kanye nenani ngokweqile ku loan ngayinye sikhungo.