Kungaphansi kwaziphi izimo ukunikeza abatshelekayo: imibhalo, izici kanye nezincomo

Izinkinga eziphathelene izimo ngaphansi onikeza mortgage, isithakazelo abantu abaningi esikhathini sethu. Futhi wonke umuntu udinga ukuba ngumnikazi we nophahla phezu kwekhanda lakho, okungenani kanye, kodwa wacabanga kaningi ngale ndaba. Abaningi besaba yokuthi a mortgage ayikwazi ayikhuthazi. Nokho, izimo ezinjalo zenzeka, siqala akuvamile. Kodwa kuyiqiniso futhi ukuthi loan mortgage elusizo kakhulu amabhange. Ngakho-ke, nika eziningi abantu isicelo semali yosizo. Nokho, kuhle ukwazi izimo.

Amaholo

Umbuto kutsi ibe Obolekayo solvency, abasebenzi asebhange banesithakazelo kakhulu. Kungaphansi kwaziphi izimo ukunikeza abatshelekayo? Lapho labo lapho ikhasimende yasebhange uhola kahle futhi kungaba ukukhokhela ukunikeza ingxenye yeholo labo (uhhafu ngokuvamile) njengoba sokukhokhwa kwesikweletu.

Emehlweni umuntu ebhange ingavela ukukhanya kuhle, uma usebenza ngaphansi Code Labour, ube imfundo ephakeme futhi basebenze endaweni eyodwa okungenani ngonyaka. Osomabhizinisi "ukwamukela" ngokungathandi, ucabangela ngabanye ibhizinisi umsebenzi okuyingozi.

imali yabo kuyodingeka uqinisekisa igama. Kukhona imibhalo emine, etholwe ebhange. Lesi sitatimende yefomu lomqashi, 2-PIT, ubufakazi engenayo ngesimo yasebhange futhi ubufakazi limenyezelwe nyangazonke ukuthola izimali. "Traditional" amakhasimende ukuqasha 2-PIT. Lena idokhumenti ajwayelekile, lapho imali siyadingeka isikhathi esithile - kungenzeka ukulandelela Dynamics nokuzinza ukuthi yasebhange zenani.

izidingo jikelele

Ukukhuluma izimo ngaphansi onikeza mortgage ku ifulethi, kufanele ukunakwa waphawula imithetho jikelele. Ngakho, lapha izimfuneko ukuthi umuntu ofuna ukuhlela loan ekhaya, kufanele uhambisane:

• Ufanele lokuba izakhamuzi WaseRussia.
• Umnyaka ubuncane umboleki - engu-21 ubudala.
• Maximum - 65 ngesikhathi sokukhokha imali esinqunywe ngokuvumelana. Okusho ukuthi, uma umuntu uhlose ukukhipha loan izindlu eminyakeni engu-60, bese amnike kuphela iminyaka 5. Zinjalo okufunwa iningi amabhange. Nakuba "Sovcombank", isibonelo, kweminyaka emincane engu-20, futhi esiphezulu - 85.
• Futhi, iklayenti kumele lelipelwe esifundeni lapho udonsa loan izindlu.
• Ubude isipiliyoni somsebenzi - okungenani ngonyaka. Ngesikhathi umsebenzi wokugcina - kusuka ezinyangeni eziyi-6.

Lapha, isimiso, wonke ukuba izimo amabhange ukunikeza ngaphansi okuyinto abatshelekayo. Kwezinye izimo, kungase kube okuhlukile. Njenganoma "Sovcombank", isibonelo. Noma "Gazprombank" futhi "VTB 24", lapho isipiliyoni ibala kusuka izinyanga 4. Kodwa bebonke, izimfuneko ababoleka ethulwa okufanayo.

amadokhumenti

Ngisho nomuntu olaziyo lutho mayelana nesihloko ukubolekisa, bangase bacabange ukuthi 2-PIT - akulona iphepha kuphela edingekayo ukubhaliswa loan ekhaya. Phela, ngaphansi kwaziphi izimo ukunikeza mortgage? lapho amalungelo amathuluzi kufanele kube ngale ndlela:

• isicelo;
• ikhophi yokuqala futhi passport;
• SNILS (ifothokhophi njengoba kudingeka);
• isitifiketi TIN (ikhophi yokuqala +);
• Kamazisi yasebusosheni noma ukubhaliswa service - labo abesilisa ngaphansi kweminyaka eyi-27;
• imibhalo mayelana nasemfundweni, emshadweni, isehlukaniso nezingozi inkontileka somshado (uma ekhona);
• e phambi kwezingane - ubufakazi lokuzalwa kwabo;
• ikhophi yencwadi umsebenzi, ngempela certified ngumqashi.

Lona isethi oyinhloko imibhalo. Bona nakanjani kudingeka ukulungiselela uma umuntu othakazelayo sina e umbuzo kanjani ukuze uthole mortgage ku ifulethi.

Ukunikeza a mortgage? Cishe wonke umuntu, yingakho asebekhulile idokhumenti esibophezelayo ukuhanjiswa kuyinto isitifiketi yazo yempesheni. Futhi abantu nge esidlule ongabazisayo - isitifiketi ekusebenziseni kabi izidakamizwa notshwala / umtholampilo psycho-zezinzwa. Nokho, iBhange angacela nanoma yimiphi eminye imiqulu - kodwa lokho ncamashi, kuyothiwa olusha ngamunye.

Kanjani ukuze uthole?

Lapho - ngcono. Indida! Phela, kubonakala, a mortgage eyenzelwe abantu abadinga usizo lwezimali. Kodwa kudingeka ngempela ukuhola imali eyanele - ne silulindele sokukhokhwa kwesikweletu kanye yokuhlala.

Nokho, Better, ukunikeza isibonelo. Abaningi hamba bengatshelekwa ku "VTB 24". Ingabe kunenzuzo ikakhulukazi lapho izimo amaklayenti asebhange. Ngakho, ake sithi, kwafika umuntu evela ukuba ingenzele incwadi mortgage. Ubhekile ubuphansi ngemuva efulethini ikhaya elisha ruble 2 million. It has an umnikelo kokuqala - 15% (kuba 300 000 deda.). Futhi ufuna ukuhlela loan ekhaya iminyaka 5. Kulokhu, imali yakhe nyangazonke kufanele ibe mayelana 63 000 ruble. Ngenxa ~ 37.900 kuyodingeka anikezwe njengesikweletu iminyaka emihlanu.

Ikhumbula senzalo 12.1% ngonyaka ngalesi sikhathi ikhasimende uzokhokha ruble 2.274.120 ezikweletini. Ukukhokha okweqile - 574 120 k. Inani Kunalokho enkulu. Ngakho, njengoba ungabona, isikhathi kancane futhi pay okungcono, engabizi loan kuyoba.

Umlando Inkokhelo

Kuyadingeka ukuba uqaphele ukunakwa, ukhuluma ngani izimo ngaphansi onikeza mortgage. Umlando omuhle credit kungekho ayibalulekile kunalokho imali enhle. Futhi, ngesikhathi lidla izindwani bangenile ngokucophelela. Ngaphambi vumela isevisi iklayenti, eziyithola uma uneminye izikweletu ku izinkontileka ezikhona kosomabhizinisi uma ukwenza isamba ngesikhathi esifanele njengoba lokukhokha. Ngokuvamile, njengoba siye sazibonakalisa njengendlela amaklayenti. Uma kungekho umlando credit ke konke kuzoncika kanjani ngokugcwele imibhalo zilethwa ezingaba umboleki.

Hlobo luni impahla ukhetha?

Lena Kuyadingeka ukuba akhulume, ukhuluma ngani izimo ngaphansi onikeza mortgage. Kungcono ukukhetha indawo, kahle phambi liftoff izindawo hhayi kakhulu. Akukho okunye? Khona-ke singathola enye into, into esemqoka - ungakhethi indawo emizini emidala eziphuthumayo. Ngoba "izicelo" enjalo amakhasimende amabhange ngokushesha uchithe.

Nokho, ingcebo alukhethiwe kwasekuqaleni. Futhi kuphela emva kwemvume. Kodwa ngesinyathelo lusabalulekile. Ngoba indoda akadingi Badayisa ngamanani aphansi kakhulu futhi ukutshala waboleka kakhulu ngendlela kukho okuhle. Ngoba lokhu kuyiso ethengiswayo, izinkonzo okuzodingeka iphendukele iklayenti. Ngeke ukubhalisa impahla ngamasimu nokubaluleka kwalo elilinganisiwe. Ukuze lapho Evaluator ukubhekana? Lena indaba yangasese, kodwa ibhange ngalinye ubambisana izinhlangano ezifanele iphrofayli, ngakho kungcono ukuthatha ikhanda lakho ngemibuzo ezingadingekile futhi kukho ngomumo. Ngaphezu kwalokho, ukuphuthumisa isibuyekezo isicelo loan ekhaya. Ngenxa yokuthi abasebenzi yasebhange akudingeki uhlole i ethengiswayo, abazi.

zezenhlalakahle

Ziyakwazi ethandwa kakhulu namuhla. Ngakho-ke, umbuzo ngaphansi kwaziphi izimo ukunikeza abatshelekayo emindenini abasha, unikezwa njalo. Ngakho, nazi zoMthetho oyinhloko lapho odinga ukukwazi:

• Uhlelo "umndeni Young" ingakwazi abashadayo, engu-ngamunye okuyinto ingeqi engu-35.
• Kumelwe ukuthi abaludingayo ukuze bathuthukise bahlezi.
• Endaweni abahlala kuyo okungu ifinyelela amazinga lesifunda (6 m ² ngomuntu ngamunye).
• Indawo nezidingo sanitary.
• Umkhaya abelana endaweni ohlanganyelwe nomuntu ogulayo, nabo akunakwenzeka ukuhlangana.

Abashade ungathola isibonelelo, okuhloswe ngalo bengatshelekwa phansi lokukhokha noma ukukhokhelwa ngokwengxenye yokusekela ukwakhiwa ekhaya lakho, inkokhelo semalimboleko (kakade ezikhishwe), ukuthengwa ekilasini amafulethi umnotho.

Uma engenayo akunakwenzeka ukuqinisekisa?

Futhi lokhu kwenzeka futhi. Ngezinye izikhathi abantu, abasebenzi ngokwethukela, imali enhle kakhulu - la, obekungadala ngokwanele bengatshelekwa. Futhi, njengoba kushiwo ngaphambili, bambalwa kakhulu abantu balahlekelwa ngemali yokwakha. Ngakho, ngisho noma isitatimende esemthethweni nomholo akuyona - laphaya.

Kodwa abanye amabhange ukunikela mortgages and kulokho imigomo? Kungokufanayo "VTB 24", isibonelo:

• 13.1% ngonyaka;
• imibhalo emibili (ipasipoti kanye nokuzikhethela lesibili);
• ubuncane phansi nokukhokhwa 40%;
• inani - kusuka 600 000 laya ezigidini ezingu-30.

Ake sithi, ifulethi elibiza izigidi ezingu 3 k. Inani loan kuyoba ruble angu-1.8 million, njengoba abantu abayizigidi ezingu-1,2 uzokwenza njengoba u-40%. Inyanga ngayinye, kuyodingeka uthole ruble mayelana 68.500 iminyaka engu-5 sokukhokha imali ebolekiwe. Kancane angaphezu kuka-41 eziyinkulungwane uzodinga ukunikeza ebhange njengesikweletu. Yiqiniso, izimfuneko obuqinile, kodwa zikhona izinzuzo. Ngokuvamile, in the asele amabhange "nadbavochnye" Izinga ukungabi khona izitifiketi zingahluka kusuka 1 kuya ku 5%.

izincomo

Abantu abenze out loan ekhaya, ngokuvamile ukwabelana amathiphu nalabo ziseduze. Ngokuqinisekile ukwazi izimo amabhange ukunikeza ngaphansi okuyinto abatshelekayo. Futhi ezinye izeluleko ezisebenzayo uzinake ukunakwa ekugcineni.

1. Kasibili bonke abantu bayaqinisekiswa ukuthi kubalulekile abafanelwe udumo lemali lapho izikweletu uzokwazi ngokunembile ukukhokha. Kunengqondo ukuphetha ngokuthi Bhayibheli ucacile! Kodwa akukho, abaningi overestimate ikhono lazo, njengoba liphefumulelwe nezisusa, njengokuthi "abazali ukusiza" "ungathola imisebenzi yesibili", "urezhem izindleko" nokunye. D. Kodwa eqinisweni kuvela okuphambene. Abazali esekhulile izingane ngeke ukusiza, podrabotok is akulindelekile, nidle nokunye okufana nokolweni wedwa nzima. Ngenxa yalokho, bonke izinkinga izikweletu kanye namabala Umlando wokukhokha kwemali.

2. Isikhathi esingaphansi - ngcono. Ngakho cabanga namabhange. Abantu abakwaziyo ukukhokha izikweletu iminyaka eminingi, kunokuba 30, kukhona obuphathekayo.

3. Futhi omunye izincomo okwengeziwe uthi ibhange, ngaphezu kwawo wonke amadokhumenti eziyisisekelo ezidingekayo ukuze ubufakazi obengeziwe engenayo. Ngokwesibonelo, uma umuntu endlini eyodwa, futhi Rents ke - ungacabanga, ngaphezu 2-PIT, kodwa inkontileka esiphethwe eyisakhamuzi. Lokhu kuqinisekiswa imali, okuyinto nakanjani ukudlala ezandleni, njengoba kuzoba kucatshangelwe isisebenzi sasebhange.

Nokho, uma ucabangela la mathiphu ukukhumbula mayelana zonke lezi zindlela osekukhulunywe futhi ngokucophelela sithathe ibhange - izokhipha loan phezu kwezimo ezimvunayo kakhulu.