Mortgage: isikhathi esincane, izimo reception. Igama elithi ubuncane mortgage lempi

A nophahla phezu kwekhanda yakho - into elungile wonke umuntu. Kodwa, ngeshwa, hhayi wonke umuntu ongakwazi ukulikhokhela ngokwabo. Futhi abanye nje ungenalo lemali esiqondile. Khona-ke basisize of a mortgage. Isikhathi esincane, ngokuvumelana izibalo ezisemthethweni, unyaka owodwa. Kodwa ingabe kunjalo ngempela?

ulwazi olujwayelekile

Ukuze uqale, Ngithanda ukusho ukuthi umkhuba eyaziwa emathemini amathathu loan mortgage: emifishane kanye nephakathi nendawo eside. Ayikho amazinga mayelana ubude babo akekho. Kulokhu konke inqunywa ngokuqondile ebhange. Kukhona ezinye izinhlangano uyavuma ukuthi elithi buyiselo mortgage amakhasimende zaba ezingu-12. Abanye bagomela phezu iminyaka 2-3.

Phela, ngenxa yokuthi abantu ingenzele a mortgage, amabhange enza imali enhle. Ngenxa isithakazelo izinkokhelo amakhasimende. Inani kunalokho enkulu. Phela, izindlu akuyona ezishibhile njengamanje, nabantu ingenzele ukubolekisa ezifanele. Futhi lokhu kuvela amabhange inzuzo enhle. Futhi ngconywana yentshisekelo ikhasimende ikhokhelwa isikhathi eside ngangokunokwenzeka.

mayelana nezimo

Kodwa namanje kukhona ithuba lokuthi ibhange uzovumela umuntu inkonzo ezifana mortgage yesikhashana. Okuncane eside - ngonyaka. Akubalulekile ukuba bajabule kwesikhathi, njengoba iklayenti ngeke ulinde nenqwaba ezicashile.

Ngokwesibonelo, cabangela izinkondlo, isevisi lesikhungo ethandwa kakhulu zezimali eRussia - "Ukulondoloza". Ake sithi insizwa ubhekile oluyisicaba ukuze ruble angu-5. Inkokhelo yokuqala kuyoba 750 ayizinkulungwane 000. Deda. Ukukala - 15% ngonyaka. Mortgage umuntu ngaphansi kwezimo ezinjalo kungaba kuphela vumela kwenzeka ukuthi wayengeke akwazi ukukhokha umyalelo nyangazonke ruble 385 000! Ngesikhathi esifanayo, ngokuvumelana nemithetho, lemali okumele inikezwe njengesikweletu kumele singeqi 40-50% emali iklayenti sika. It kuvela, ngenyanga umuntu kufanele uthole acishe abe yizinkulungwane 800. Hlikihla. Lo mbuzo ubuzwa: ingabe umuntu engenayo ngidinga a mortgage? Kulula kakhulu ukulinda futhi uthenge ikhaya imali.

Kodwa kubalulekile ukuba ubuyele sihloko. Ngaphansi kwezimo ezinjalo ngokweqile ku mortgage ngoba ngonyaka kuyoba ecishe ibe yizinkulungwane 355. Hlikihla. Inani eligcwele ikhokhwe kuyoba ulingana ~ ruble 4.6 million (plus ungakhohlwa mayelana inkokhelo yokuqala). Nokho, lokhu kuyisibonelo esisodwa. Wonke umuntu angaba ukubala konke ngokwami, ngoba yilokhu kukhona wokubala mortgage.

Izimfuneko umboleki

Kafushane kuwufanele etshela, futhi yini abantu kubhekwe njengento labo abangase babe abathengi ebhange. Ngoba ukuthola mortgage udinga uhlangabezane nezimfuneko ezithile.

Ubudala - isimo kuqala. Umuntu kumele okungenani ibe 21 ngesikhathi sokwelashwa. Futhi ungavuma loan ekhaya kuphela uma unamandla wokuyibuyisa phambi ekukhishweni eminyakeni engu-60.

Okubaluleke nakakhulu umsebenzi isipiliyoni. Ubuncane - unyaka owodwa. Futhi lo msebenzi zokugcina - 6 izinyanga. Umuntu maningi amathuba okuthi uthole imalimboleko yesikhathi eside, uma isebenza ukuze kuzuze omunye kanye nesikhungo efanayo isikhathi eside. Lokhu kubonisa kwato kanye nomthwalo wemfanelo. ezingeni engenayo, ngasendleleni, kufanele sigcizelelwe inkomba 2-PIT. Futhi mkhulu iholo lomuntu - ngcono.

Inzalo kanye nezimali

Izinga lonyaka zingahluka. Ngokuvamile, kusuka 9% kuya ku-17%. It kuxhomeke ezicini eziningi. Ekhuluma ngokubaluleka iholo, engenayo indlela lo muntu obolekayo sika yokuqinisekisa, ubukhulu yokukhokha phansi, uhlobo senzalo, ngisho loan eside. Mortgage lumelele unyaka, isibonelo, kuyoba ezishibhile loan iminyaka engu-15. Lapha isimiso lokhu: ayanda eside, isithakazelo ngaphezulu. By the way, izinga elintantayo ushibhile by 1-2%. Zonke ngoba wayethembele ambalwa. Ngemva izinga elintantayo ibalwa ngokuvumelana ifomula ezithile, okuyinto kuvezwa inkontileka. Ngokuvamile it bopha amazinga emakethe interbank. Njengoba thina ochwepheshe okuqinisekisiwe, isilinganiso elintantayo iyona izuzisa kakhulu ukuba abantu abafuna ukuthatha imalimboleko yesikhathi eside. Ngakho uma uhlela mortgage iminyaka 10, kuhle ukucabangela ukuthi lokhu kwakuyithuba ukhetho ukusindisa.

Futhi amazwana ambalwa mayelana inkokhelo yokuqala. Kudingeka futhi ngokuvamile kuhluka 10 kuya kumaphesenti angu-30. Uma kungenzeka, kungcono kakhulu ukwenza inani lemali. Ngoba lokho kuzonciphisa izinga. Futhi uma ufuna izimo best futhi elula kunazo, kungcono ukusebenzisa ibhange, ikhadi okuyinto umuntu uthola iholo. Olwanele ngezinzuzo izobalwa okufanayo mortgage wokubala.

isimiso esikhethekile

ukunakekelwa okukhethekile angathanda ukubalula mortgage lempi. Mayelana konke esikuzwileyo, kodwa hhayi wonke umuntu uyazi kahle ukuthi kuyini. Iphuzu elula. Umthetho phezu uxhaso mortgage uhlelo ngokusipha izindlu wezempi ibanika ithuba ukuthenga indawo kuneNingizimu ekupheleni inkonzo yabo.

Kwenzeke kanjani? Ukuze lempi akhawunti evulekile ukonga, okuyinto agcwaliswa nyangazonke nguhulumende. I-avareji yonyaka zanqwabelana ngu-250 000 ruble. Emva kwezinyanga ezingu-36 iqhaza kuhlelo wezempi zingase zisebenze ukuze uthole umbiko idokhumende, okuyinto wayeyomnika ilungelo uthole abahlosiwe ngemali yokwakha. Ngokulandelayo, ucosha isakhiwo ukuthi iyahlangabezana nezidingo Ministry Defense, inkampani yomshuwalense, ibhange kanye intando yakhe. Khona-ke libhekisela isikhungo sezezimali, credit izisebenzi. Khona-ke uvula i-akhawunti nokudluliswa kwalo ngaphambilini zanqwabelana ngesikhathi imali uhlelo. Lokhu kuzoba inkokhelo yakhe yokuqala.

Usayizi omkhulu loan ezempi kuyinto, ngokuvumelana idatha 2015, ama-ruble angu-2.2 million. Ngemva ukucaciswa zonke umehluko wemisindo nemiqondo yamagama kanye ukuqinisekiswa amadokhumenti inkontileka. Bese vennomu ukukhipha isitifiketi esingokomthetho eqinisekisa ilungelo lakhe ubunikazi ukubhaliswa ingcebo.

Izimali nezikhathi zokukhokha

Credit esikhishwe isosha uhlelo oshiwo ngenhla, akufanele uyikhokhe. Izinkokhelo ezenziwe FGKU "Rosvoenipoteka". Futhi thatha imali isabelomali sikahulumeni. Inkokhelo nyangazonke ibalwa ngokuvumelana isimiso esithile. He is 1/12 we mali yokugcina. Okusho ukuthi, uma leli sosha ekugcineni ukuqoqa ruble yisigidi njalo ngenyanga uzokhokha angaba yizinkulungwane 84. Hlikihla. It kuvela inzuzo ngempela.

Igama elithi ubuncane mortgage kwezempi izinyanga 36 (ie iminyaka emithathu). Ubuningi futhi ulinganiselwe. Ngesikhathi buyiselo webutho lezempi akufanele kube iminyaka engaphezu kwengu-45.

Njengoba umkhuba ubonisa, uhlelo kuzuzisa ngempela. Uma ukholwa ukuthi izibalo, eneminyaka engu-2 ubudala, khona-ke atholwe impahla kancane amasosha esingaphansi 100 ayizinkulungwane. ngaleyo ndlela Isamba esatholakala kulokhu zaba ruble 143 billion.

Credit nokusekela isimo

Ngenxa isimo eziwohlokayo, uhlelo kwezenhlalo lakhiwe emakethe ukwakhiwa. imikhakha ethile yezakhamuzi waqala ukunikela uxhaso ezenza ukuthenga umuzi isibe engokoqobo kubo kakhudlwana. I eziphuthuma kakhulu zokuhlale Uhlelo wokuxhumana nomphakathi - yakhelwe abasha imikhaya abatshelekayo nokusekela umbuso. izinsuku zalo ukuvuthwa ziyefana ezimweni ezijwayelekile. I ovumelekile esiphezulu - iminyaka engu-30.

Thola isibonelelo ngisho simple. Ngaphambi uthola ohlwini lokulinda, kubalulekile ukuqoqa imibhalo futhi uzivivinye njengoba umhlanganyeli bezikhali uhlelo ukuhambisana. Ngamunye abashadayo kufanele abe yisakhamuzi Russian futhi ibhaliswe ku esifundeni yokuhlala okungenani iminyaka engu-11. Ubudala ngayinye kufanele kube ngaphansi kohlaka 18 kuya 35. Kusukela imibhalo kudingeka isitifiketi somshado kanye iphasiphothi. Uma unezingane - imibhalo eqinisekisa phambi kwabo. Njalo ingane - is a plus 5% we uxhaso. Ukuze umndeni ehlanganisa abangane ababili usayizi Imali ebekelwe ingu-30% yezindleko izindlu.

Okuningi kuyodingeka nesitatimende nomholo, isitatimende se-akhawunti futhi ikhophi yamapasi.

Imigomo nemibandela amabhange ezahlukene

Kufanele ukukutshela kabanzi mayelana nokuthi yini izimo emindenini abasha ukunikela izikhungo eyaziwa kakhulu zezimali wahlanganyela ukuhlinzekwa kwemisebenzi enjalo, ezifana abatshelekayo. Isikhathi esincane ezibekwe ngamunye. Kodwa esiphezulu ihlukile wonke umuntu.

Ngokwesibonelo, "Savings Bank" inikeza mortgage iminyaka engu-30. Inani olungenzeka loan kuyinto ruble ayizigidi ezingu-3.2. Ukukala - 12% ngonyaka, kuba isiqiniseko ukuthi babambe iqhaza 20% yezindleko izindlu.

"Agricultural Bank" is uyabandakanyeka nokunikeza izinsizakalo ezifana abatshelekayo. Okuncane eside - 1 unyaka, esiphezulu - iminyaka engu-30. Okungenzeka isamba semalimboleko ilingana ruble ayizigidi ezingu-20, kuyadingeka inkokhelo yokuqala ka- 10%. I inani lenzalo yonyaka enikezwa 14%.

"VTB 24" ucela imali 20%. Imali kungenziwa othathwe isitifiketi selekelelo. Kodwa kutuswa ukuyisebenzisela ukuthengwa kwezindlu ukwakha isakhiwo esisha, futhi yibhange imali engango ukukhipha ukuze akhokhe lemali esele. By endleleni, "VTB 24" ivumela ukusetshenziswa womama dolobha. Abakwazi angabuyisela lokuqala eyaphuma ngalo.

mayelana nezinzuzo

Ngakho, ngokwanele wathi ngakho, isikhathi eside kangakanani, futhi unike mortgage udinga ukuyicubungula. A amazwi ambalwa kungathiwani inketho nenzuzo kakhulu, alinikela ngemali yokwakha.

Indlela engcono kakhulu imali - ukuthenga izindlu ngaphansi ukwakhiwa. Kuyinto ezishibhile isilungele 30%. Le imali isobala. Kungcono cabanga ukuthengwa amafulethi kuleyo ndlu, okungenani ingxenye eyodwa uyakhile - ukuthi kubonakala sengathi ziyoqedwa futhi wathuma ngokushesha ngangokunokwenzeka, esiphezulu. inzuzo Okuningi wukuthi umuntu sizothola, izindlu ezintsha kuhlanzeke kakhulu. Njengoba uhlela izakhiwo zesimanje nezinto ezifanele, uzokwazi ukukhetha iphrojekthi ofanele kakhulu kuye.

A abatshelekayo plus ukuthi amabhange abaningi abasebenza nabathuthukisi (kanye noHezekeli). Lokhu kusho isithakazelo okuncane kanye ezimvunayo kwikhasimende.

imigomo engcono

Ngokuvamile, mortgage loans - akulona ikhambi ephumelela kunazo zonke izinkinga zezimali ngoba umuntu kufanele umthwalo osindayo nezikweleti. Kodwa uma kungekho enye indlela, kukhona eyodwa kuphela indlela yokuphuma - ukukhetha izimo elula kakhulu futhi engabizi.

Ngokubukeka, kubonakala kuzuzisa bonke abatshelekayo isikhathi esiphezulu. Ake sithi umuntu aluthatha loan 2 million minyaka yonke iminyaka engu-30, ubapha ibhange ruble kuphela ~ 20 500, esikhundleni ~ 45.600, okuyinto wayengaba ukuba ngithi goodbye, ukukukhipha loan iminyaka 5. Lokho kuphela esimweni ethemini esiphezulu i ngokweqile kuyoba abantu abangaba yizigidi ezingu-5,4 p! Njengoba sazi ukuthi wayengumuntu 2 000 000 kuphela. Kodwa endabeni ka-loan engu-5, lapho overpay p 665 000 kuphela. Ngakho-ke kungcono ukucabanga kayikhulu phambi Ungamvuma isimo esithile.