Kufika ukuthi mdala ukunikeza mortgage ku indlu? Nokuthathelwa ngabantu abadala

Uma ufuna ukuthenga indawo noma ekhaya iholidi khona manje, kodwa ungenayo imali eyanele imali, une kuphela indlela elilodwa - a mortgage. Kuze ukuthi mdala sinikezwa "Savings Bank" nezinye izinhlangano zezimali loan ezinjalo? Futhi kungenzeka uqaphele iphupho lakhe, nangemva kokuthatha umhlalaphansi?

Kulesi sihloko sizozama ukuphendula le mibuzo kanye neminye. Ngakho, uma futhi abazi ukuthi yini yobudala ukunikeza mortgage ku indlu, funda ngokucophelela.

Kungani yobudala kuthinta mortgage

Okokuqala, ake sixoxe kungani umkhawulo yobudala kule ndaba kubaluleke kangaka ngoba amabhange.

Ngu ecabanga ukuthenga emakubo ngamunye kuza endleleni yakhe futhi ngezinye izikhathi ezahlukene. Othile uzimisele sokufaka ngimdala izingane noma anganipha isipho abazukulu bakhe. Futhi umuntu unquma ngisho nalapho esegugile ukwenza ngcono izimo zabo siphile futhi bephila ngokunethezeka uma beqhathaniswa. Kungakhathaliseki ukuthi sasiyini isizathu, isixazululo omuhle kuya isikhungo sezezimali ukukhipha mortgage ngeke ngokuyinhloko ixhomeke ekutheni izinga elindelekile kwezimali ikhasimende kule minyaka 10-20 esilandelayo. Lokhu kuyaqondakala. Phela, mortgage kudinga impela eside, futhi igama elithi buyiselo sisalokhu ngezinye izikhathi kuze ngekhulu ikota.

Ngokuvamile, umkhawulo wobudala Ukukhishwa mortgage isethi eneminyaka engu 18-60 (55). Kodwa okuhlobene amakhasimende bobudala obungefani ngesikhathi abasebenzi yasebhange edidayo kakhulu.

Umnyaka kangcono ukuthola a mortgage ubhekwa iminyaka 35-45. Kwakuphakathi nalesi sikhathi lapho wakhe, umuntu esefike sezimali ezinzile, limatasa ekwakheni amathuba omsebenzi. Kukhona iminyaka namanje abaningi ukuthola nokuzithuthukisa banelise izifiso zabo. Futhi yonke imizamo okuhloswe ngayo ukwenza ngcono izimo nezinga lokuphila.

Ngemva kweminyaka engu-ayisihlanu ukuphila komuntu okuqala ngaso ukuba ikhule ibe izingozi ezithile. Lokhu kuwachaza kahle impendulo yombuzo othi lokho ubudala ukunikeza mortgage. Okokuqala, sisondela ngokungenakuvinjelwa asebesondela ekuthatheni umhlala, futhi ngenxa yalokho, kungenzeka umsebenzi ukulahlekelwa. Ukwandiswa ingozi ukukhubazeka ngenxa yokugula yokukhubazeka. Futhi, akuyona imfihlo ukuthi ukusebenza yokufa engokwemvelo ngemva kweminyaka engu-60 entengo. Lezi futhi ngezinye izizathu, amabhange bephoqeleka ukuba ngokuqinile athobele mkhawulo umkhawulo wobudala mortgage loan.

Kufika ukuthi mdala ungathola loan?

Ngokuvamile, nge umhlalaphansi imithombo umuntu ulahlekelwa eyengeziwe imali iyeke umsebenzi. Ngakho-ke, ngokuvumelana amabhange, ngesikhathi lonke okufanele umuntu kufanele akhokhe sonke isikweletu sendlu loan ekhona. Ngakho ukuthi kulesi sibalo izinkokhelo njalo, umbolekisi ofuna ukusindisa singakafiki isikhathi kusukela ngesikhathi sokubhaliswa kanye phambi ihora "X". In practice, lokhu kusho ukuthi elithi loan ubelokhu kancane kancane kunciphisa njengoba ukwanda kwenani umboleki.

Nasi isibonelo:

Izikhungo zemali ukunikela abatshelekayo babengagwetshwa iminyaka engaze ibe 25. Ukuze uthole imalimboleko uphendulela Indoda eneminyaka engu-50 ubudala. Njengoba uhlala kuze kuba uthatha umhlalaphansi ukuba asebenze eminye iminyaka 10, isikhathi esiphezulu okuyiwona mortgage kungenzeka imvume ngoba sekuyiminyaka 10 kuphela ubudala. Yiqiniso, kulesi simo, senyanga lenkokhelo ukuze isamba lungisa, futhi kuyodingeka babe nemali eyanele ukuba ubhekane nezingcindezi ezinkulu ngokwezimali.

Nokho, ngezinye izikhathi, amabhange sizivumelanise. Uma iklayenti has izinkomba kakhulu, ezingeni lelisetulu engenayo, ithuba umeme co-ababoleka kwinkontileka noma ukunikeza eseduze ezinhle, umbolekisi angaya eyomhlangabeza kancane ukunweba mortgage obolekisayo. Nokho, ukwanda okungaka kuyaqabukela neminyaka engaphezu kwengu-5-6.

Mortgage abolekise ngemva kweminyaka engu-40

Naphezu kweqiniso lokuthi amabhange kakhulu sensitive engu-umboleki kukhona, mortgages for esezigugile Kusengenzeka. Ezinye izikhungo zezimali bayatfutfuka izinhlelo ezikhethekile credit, okuvumela ukukhipha loan izindlu kuze kube iminyaka engu-20. Kulokhu avame ukubeka phambili isimo ukuthi ngesikhathi ulindele ukubuyiselwa yona iphelele ka umboleki kumele ube neminyaka engu akukho kuka 75.

Bamba iqhaza kulolu hlelo loan ayikwazi zonke izakhamuzi abasondela kokuthatha umhlalaphansi. Kukhona isimo sokunquma eziningana ezingase kahle ukuthonya isinqumo ibhange ukuthi akunikeze imali-mboleko. Nokuthathelwa ngabantu abadala kungenzeka ezimweni ezinjalo:

1. Umboleki ukuqhubeka nokusebenza nangemva kokuthatha umhlalaphansi wakho. umthombo unomphela imali eyengeziwe edingekayo ukwandisa amathuba emehlweni yomuntu obolekisayo.
2. Iklayenti ungaphakathi ubuhlobo bomkhaya, ayinakho izingane ezincane, kanye nezinhlobo ezahlukene ukuncika. Amabhange uncamela imibhangqwana, abantu abangashadile. Ngempela, kulesi simo, imali ingqikithi umndeni yathuthuka kakhulu, futhi ngenxa yalokho kunciphisa ingozi izimali okuzenzakalelayo.
3. Ngithathe olunamathela ubunikazi ingcebo, anele ukuphepha okwengeziwe zezimali ngoba loan. Uma isigaxa semali eseduze kuyodingeka zezimali okusezingeni eliphezulu, owayesethathe umhlala-phansi akuyona kuphela bekwazi mortgages, kodwa futhi unelungelo izimo ngesikweletu evumayo.
4. Umnyaka umboleki umhlalaphansi okungadonsela inombolo ezanele guarantors kuphela (co-ababoleka). Ngokuvamile, "iziqinisekiso" zinjalo izingane, abazukulu noma abanye esihlobene nabo abangakholwa. Ngaphezu kwalokho, ukuba khona nokuzwelana kulokhu uyisidingo. Lokhu kungenxa yokuthi esimweni sokufa isibopho umboleki ukuba abuyisele ukuqhutshwa mortgage ukuze co-umboleki.

Ngaphezu kwalokho, yisiboniso kumelwe futhi ifa izimfanelo ezithile:

• ube neminyaka ukusebenza;
• banomlando ezinhle credit;
• ukuqinisekisa izinga eliphezulu solvency.

Amabhange impesheni

Ngokwesibonelo, ake sibheke ukuthi mdala ukunikeza mortgage ku indlu emabhange ahlukene of Russia.

Izimfuneko elawula kunazo kukhona nobudala "Alfa Bank." Kube angakhipha mortgage kwenzeka ukuthi ngesikhathi ukuvuthwa yayo umboleki ifinyelele eminyakeni engu 54-59 (kwabesifazane labesilisa, ngokulandelana).

Kufika engu-55 (abesifazane) futhi eminyakeni engu-60 (amadoda) bazimisele ukulinda ku "Rosbank", "Metallinvestbank" futhi "Bank of Moscow".

Standard eneminyaka engu-65 - umkhawulo wobudala kulesi yokubhaliswa mortgage ku "Uralsib", "Isazi Bank", "IBC", "Nico Bank", "CSC", kanti ezinye nezinye izinhlangano zezimali. Lokho, okungukuthi malini kufanele uchichime kuze kube isikhathi lapho i-akhawunti yokukhokha isikhungo credit uzokwenza inkokhelo yokugcina ku mortgage.

I athembeke kakhulu kulesi sici, "VTB 24" futhi "Savings Bank". Esikhathini sokuqala uzimisele ukulinda kuze kube iminyaka engu-70 lo muntu obolekayo, futhi lesibili kuze waphenduka 75.

Yikuphi nje lapho obungafuna uthanda umhlalaphansi

Futhi ukunikeza abatshelekayo kwamanye amabhange ngokuvumelana nalokho yobudala? Phakathi inombolo enkulu izikhungo zezimali kanye credit, mortgage abolekise iyatholakala abadala, ikakhulu kulezi:

• "Gazprombank";
• "Agricultural Bank";
• "Admiralty";
• "TCB" nabanye.

Kuphi, incike kuwe. Uma wenqaba kwelinye ibhange, akekho enqabela ukuxhumana nezinye. Nawe

Nokuthathelwa ku "Savings Bank"

Ake sihlolisise imibandela mortgage kwabahola impesheni kule "Savings Bank". Lapha ngokuba izakhamuzi esezikhulile kukhona izinhlobo eziningana izinhlelo:

• iminyaka 55/60 kwabesifazane labesilisa, ngokulandelana - inketho mortgage loans nokusekela umbuso;
• iminyaka engu-45 - ku abatshelekayo phezu iphrojekthi empi;
• iminyaka engu-75 - the hlelo lubhekele ekwakheni indlu ezweni, kanye ukuthengwa kwezindlu izakhiwo ezintsha noma emakethe yesibili.

Phakathi kwezinye izilungiselelo siqokomisa amaphuzu amabili: inkokhelo futhi inkonzo okuqhubekayo umsebenzi. Kususelwa ezingeni imali aggregate kunqunywa inani loan, elithi yayo kanye nesidingo eseduze ezengeziwe. Yokuphila Isikhathi Eside Ise iyenziwa ukuqina kwezinto phambili.

Ukuze zonke izinhlelo, inani lenzalo ku "Savings Bank" kusethelwe ku ezingeni elilodwa futhi 12.5%.

Kanjani ukuba khona impesheni?

Uma ungazi ukuthi mdala ukunikeza mortgage e ngandlela-thile isikhungo sezezimali, indlela engcono - nje ukusisebenzisa. Ngisho noma ubudala bakho kuphakamisa ukukhathazeka, cishe uzonikezwa ngezindlela okungenani ezimbili aphume isimo:

• pick up lolu hlelo, okusho ikhono abuyisele mortgage ngemuva kokuthatha umhlalaphansi;
• ahlinzekwa ukukhipha inkontileka indinganiso inani leminyaka ngakwesokunxele ngaphambi ihora othenjisiwe.

Kwezinye zazo ukuhlala kokuphela - kungcono nakanjani. Kodwa ingabe kunjalo ngempela udinga indlu? Umkhawulo ubudala ngeke isithiyo kuphela ekuwulungiseleleni. izimo Credit ngoba ababoleka amadala zihlukile kulokho tingafundziswa kwabasebasha:

• elithi loan kuyaqabukela eminyakeni engaphezu kuka-15;
• inkokhelo encane kokuqala ngokuvamile lakhuphuka lafika ku-20-25%.

Ngaphezu kwalokho, wena uyolokhu ubuzwa ukuthi ukuthathelwa umshuwalense ukuphila nempilo. Kodwa izindleko somgomo wokusetshenziswa kwezilimi eziningi uyovuka umklomelo ngokulingana iminyaka yakho. Ngakho lapho uyokwenza loan mortgage zisencane avuthiwe kufanele acabangele "kochwepheshe" futhi "nebubi." Kungenzeka ukuthi ama-agumenti ezimbi ziyoba ngaphezulu, futhi uthanda ukuhlela mortgage ilungu lomndeni abasha.