Mortgage nokusekela isimo: Sberbank eRussia. Impendulo mayelana nohlelo nemibandela iqhaza

Ukuze izakhamuzi Russian mortgage, ngakolunye uhlangothi, kuba ithuba kuphela ukuthola izindlu ngakolunye - eside ubugqila bezikweletu. Inkinga yokungabi 2015 uye bancishwa iningi ithuba ukukhokha isitolimende sokuqala. Kulabo abakwazi ukuxazulula inkinga, kwamabhange isungule luhlelo loan isabelomali. Imininingwane eyengeziwe ngalokho kuyinto mortgage nge isimo (Sberbank eRussia), ngaphansi kwaziphi izimo nokuthi bayinikela kubani kunikezwa loan, funda ku.

izibalo

Mortgage ku Savings Bank ne uhulumeni, imigomo okuyinto zihlukile kusifunda ngasinye, zithandwa kakhulu. Ngemva kwamasonto amabili kuqale uhlelo (18.03.2015) kuphela eNorth Caucasus izicelo zomsebenzi ezingaphezu kuka-150 athunyelwa. Sberbank lunikezwe amakhasimende abathenga izindlu kulesi sakhiwo esisha. Umkhawulo loan Isamba ruble 8 million dolobha Petersburg, nezinye izifunda - ruble ayizigidi ezingu 3. Ezezindlu bathengisa kuphela izinhlangano ezingokomthetho accredited e impahla langempela. Ubungozi ababoleka ziyancipha. Basuke ayidingekile eseduze ezengeziwe. Insure into kungaba ngokuqondile eMnyangweni Sberbank eRussia.

Mortgage nokusekela umbuso uyoba evumelekile kuze kube sekupheleni Februwari 2016. Phakathi nalesi sikhathi, sihlelwe ukunikeza ukubolekisa engamaphesenti ruble 225 billion. Kusukela ngomhla ka-30 Novemba 2015, kube ekhishwe loans for ruble ayizigidi eziyizinkulungwane ezingu-180. ngu ayizinkulungwane 1.5. izicelo. Cishe u-30% Savings Bank imikhiqizo mortgage kunikelwa ngaphansi kohlelo olusha.

Ihlose zohlelo

1. Sikhuthaze umkhakha wokwakha.
2. Siza izakhamuzi ukuxazulula inkinga izindlu.

Sberbank: Mortgage nokusekela isimo

izimo ukukhokhelwa ilula:

• inkokhelo Down: 20% yezindleko izindlu.
• Ithemu: iminyaka 1-30 (okufakayo).
• Isilinganiso senzalo: kusukela 11.9% in ruble.
• Ubuncane loan lemali: ruble 45 000.
• Inani eliphezulu: ruble ayizigidi ezingu-3 kuya kwezingu-8. (Kuye esifundeni).

Le mali ikhishwe ruble ibheyili impahla kuluthola. Izakhamuzi zenhloko-dolobha kanye Petersburg bangalindela ruble 8 million. Okunye izakhamizi zikwazi ukuthola loan for ingqikithi ruble ayizigidi ezingu 3. Khetha into kungaba phakathi ezindlini ukuba kwakhiwe, izakhiwo ngomumo eyenziwe noma abathengisi abagunyaziwe. Kuphothulwe ingcebo akunandaba. Imibhalo ku egumbini ekhethiweko kufanele inikezwe izinsuku kungakapheli 60 emva kokuthola kwangaphambilini sinqumo esihle. Ngaphezu kwalokho, isikhungo abolekise kuzodinga udaba yomshuwalense impilo amakhasimende ayo. Min Ukukala Savings Bank mortgage nge state 11.9%. It akashintshi emva kokubhaliswa into. Kodwa lokhu kuthonywa ubukhulu yokukhokha phansi, igama elithi zohlelo, ubulungu kuphrojekthi iholo, 'omuhle "Umlando wokukhokha kwemali esikhathini esidlule. sokubolekwayo ngaphandle ikhomishana. Phakathi izindleko ezengeziwe zingase zihlanganise: Izimali amasevisi yomshwalense kanye Ukuhlolwa kwezimo zempilo into aluthola, notarization kwemibhalo.

Izimfuneko umboleki

• Ubudala: ubuncane engu-21, esiphezulu - iminyaka engu-55 (abesifazane) no-60 (amadoda).
• iphasiphothi Russian.
• Experience endaweni efanayo: 6 izinyanga.
• Ubude lomsebenzi: ezingu-12.

Iklayenti kuyodingeka ukuheha co-ababoleka (owakwakhe, iinhlobo zenu nabangani benu). Lokhu kuzosiza ukwehlisa umthwalo credit. Lapho "abasizi," ayanda engenayo isiyonke, okuyinto kunqunywa inani eliphezulu imalimboleko.

I-algorithm

Ukuze isicelo iqhaza kuhlelo "Mortgage nokusekela isimo (Sberbank yeRussia)", kumele:

1. Gcwalisa ifomu, isifanekiso okuyinto phezu zezimali nesikhungo iwebhusayithi.
2. Ukuqoqa isethi ejwayelekile kwemibhalo bonke abahlanganyeli: ikhophi iphasipoti, idatha umqashi, 2-PIT.
3. Nikeza iphepha kunoma legatsha Sberbank eRussia.
4. Balindelwe isinqumo ebhange.

Ngo parallel, kubalulekile ukuqoqa iqoqo lesibili kwemibhalo, okuhlobene nempahla kuluthola. It is avame ukusetshenziswa njengoba izibambiso. Kakhulu akuvamile Uyavuma ukusebenzisa amabhange njengoba eseduze ukuze zezinye izindlu. Ngokusho into enjalo ukunikeza: esitifiketini sokubhaliswa, ukudayiswa kanye isivumelwano sokuthenga, iphasipoti cadastral, yophenyo mayelana ukungabi khona izikweletu ku izinkokhelo ezibalulekile emphakathini, ulwazi mayelana abaqashile.

abahlanganyeli

Ngayiphi amabhange angakhipha umkhiqizo "Mortgage nge isimo"? Savings Bank, "VTB 24", "Gazprom", "Deltacredit", "eMoscow Bank", "RAB". Isifiso iqhaza kuhlelo bazwakalisa 30 ingenkulu kuphela kodwa futhi amabhange amancane. I share weemali kahulumeni, kanye "Ukuxhumana-ebhange", "Absolut Bank", "Renaissance" imali zaba ingxenye enkulu kuhlelwe ruble ayizigidi ezingu-400. Abangaphezu kwesigamu leli nani uya izikweletu Sberbank. Mortgage nokusekela isimo ngesikhathi kunezinkinga yangaphambilini ye 2008-2009 isinyathelo kuphela ngokusebenzisa "VTB". Kukhethwa isikhungo sezezimali akuphazamisi imigomo loan. Imithetho ezilandelayo ukuthola imali. Umboleki liyakukhokha kuphindwe ubuncane 11.9% ngonyaka ka lemali. I isinxephezelo esiphezulu lapho amabhange sebethembele kuhulumeni, kuyinto 5.5%. Ministry of Finance usunike kusukela isabelomali isimo ruble ayizigidi eziyizinkulungwane ezingu-20 ukuze anakekele izindleko zalo msebenzi. Kusukela ekupheleni 2015 awuzange ababulawa plan, usuku Uhlelo ukuphelelwa isikhathi enwetshiwe.

Imiphumela

Ngenxa yokuthi uhlelo "Mortgage nge isimo" (Savings Bank of Russia) sisasebenza, ngamafuphi imiphumela kuze kube manje. Nakuba ungakwazi kuphela ukhulume ukudayiswa ingcebo Dynamics. Ngakho, cishe bonke onjiniyela Apreli 2015 kwakukhona ukwanda okukhulu kwenani ngemvume yokuthengisa izinkontileka. Abahlanganyeli lokuqala isimiso siqale ukuqoqa imibhalo ngoJanuwari wangonyaka odlule, kodwa lihlehliselwe ekukhishweni deal ukuqalisa umkhiqizo omusha. Okokuqala ungene ezivumelwaneni nge budget ubuncane. I loan kuthathwe abantu ababemise ekubaleni buyiselo zakuqala (okuyiwona ukubheja wayengekho olunezimiso ngakho), kanye labo wasayina inkontileka isikhathi esifishane (iminyaka 3-5) ukuze ukhokhe inzalo.

Kusukela maphakathi nonyaka waqala ukuvela amakhasimende asebenesikhathi eside ibuke nezezindlu ezakhiweni ezintsha. Naphezu funa encishisiwe, njalo ibanga ngenyanga ingcebo incipha. Lokhu kubonakala ikakhulukazi ngalesi sigaba eliphezulu ukulungela izinto, okuyinto athengise indlu iminyaka eminingi.

Izici

Iningi amadili iwukusebenzisa Sberbank. Mortgage nokusekela isimo Yiqiniso, siye sathuthukisa ukufunwa ingcebo. Kodwa zikhona namanje amakhasimende, naphezu iconsi ecijile ruble, ukulungele ukukhipha ukubolekisa, ngisho at kwezimo ezijwayelekile. Uma amaklayenti ngaphambili ziphathwa e Sberbank, ngoba kwakukhona izinga eliphansi kunawo wonke, manje uthole kuchithwa, basuke isicelo nezinye izikhungo, hhayi kuphela ngezinhlelo zikahulumeni.

izimo Uhlelo washintsha. Ngaphambili, kungenzeka sokukhokha imali ebolekiwe iminyaka engu-75 ubudala. Manje thina setha kuzinga elisha - iminyaka 60 amadoda 55 - kwabesifazane. Ngokusho realtors, isilinganiso seminyaka yobudala umboleki - iminyaka 25-35, futhi inkontileka ngokuyinhloko iminyaka 10-15.

finpodderzhka engeziwe

Kufanele ngikhipha a Sberbank mortgage nokusekela isimo? On lo mbuzo njalo obolekayo ezingaba unesibopho yena. Onjiniyela futhi kufanele ukulwela zonke amakhasimende. Kuze kube yimanje, abakuhlakulelayo Uhlelo yabo ukwethembeka. Ezinye zazo yilezi inzuzo Uhlelo Sberbank.

Ngokwesibonelo, FGC "uMholi" futhi ibhange "Ukuvula" waqala isimiso soxhaso, hhayi kuphela uhulumeni kodwa futhi ngunjiniyela. Imigomo nemibandela zimi kanje: onyakeni wokuqala iklayenti okhokhela 8 noma 10 per cent ngonyaka, kuye ngokuthi lemali yokukhokha phansi. Kusukela onyakeni wesibili kwesilinganiso antante 11,95% noma kuze kube yileso izinga, esizokunikeza ebhange, kuye ngokuthi isimo sezimali umboleki sika. Isikweletu singasetshenziswa ikhishwe for lungene 30 iminyaka.

CC "Munye onguMholi Iqembu" lucwaningo umkhankaso ezakhamuzini enhlokodolobha. Abathengi ingcebo ngekota "Munye onguMholi Park" omakhelwane "City Yenjabulo" futhi "frontal-City" kuyinto Isaphulelo 12% walo lonke inani komhiaba, uma izindlu lutholwa ngaphansi kwemigomo ye mortgage. Yiziphi izinyathelo eziqondile sesikweletu uzobe izinkontileka, akunandaba.

"Amaqembu Khimki" eminye zixhaswe kwabesifazane ngamaphesenti angu eyodwa. Lokho, uma mortgage ikhishwa ohlelweni isimo ukwesekwa, iklayenti akusho ukukhokhela 11.9% no-11%. "City-xxi Century" futhi "Absolut Bank" ukumisa i Uhlelo lobulungu ukuthengwa izindlu eziyinkimbinkimbi "Life Imibala" at 11.5%. Urban Group umkhankaso iphrojekthi "Ukwelekelela labo abadla yesibonelelo sikahulumeni", lapho bonke abahlanganyeli izinga kuyehla ezine per cent.

Sberbank. Mortgage nokusekela isimo: Izibuyekezo

I ethile enkulu, okuyinto ephawuleka kubahlanganyeli hlelo, - ukhetho oluncane ingcebo. Ngo eziqinisekiswe Sberbank ababoleka ulele amanani izindlu. Futhi uma uthenga ifulethi ngokusebenzisa enye inkampani, izinga kuyokhula. Inkinga yesibili - inkokhelo okusezingeni eliphezulu kokuqala. Ngaphansi kwemibandela ye-hlelo ejwayelekile, umboleki ungenza 10% ngesimo phambilini. Manje lesi sibalo senyuke 20%. Lokhu kusho ukuthi uma ngaphambi abantu engase akwazi ukubala izinhlayiya ku "kopeck ucezu" endaweni yokuhlala, manje kunzima ke ezingabizi eyodwa lokulala efulethini noma studio efulethini. Enye isikhubekiso - inani lenzalo. Eqinisweni, it is landa ngamaphesenti angaba ngu-1%. A ekubalweni mortgage kuhulumeni. Sberbank ukulungele ukunikeza loan iklayenti ngu 11.9%. Kulesi imfuneko isiphetho yesivumelwano yomshuwalense impilo umboleki okungenani 1 unyaka. Emva kwezinyanga ezingu 12, umboleki kumele ivuselele umshwalense, kungenjalo izinga kuzokhulisa ukuba 12.9%.

Ngesikhathi esifanayo, ababoleka bathi okuhle kulesi simo. Okokuqala, isigaba wokulungiselela kuzo zonke wamaphepha abathintekayo kulo umphathi webhange. Amakhasimende avele kuphela basayine isivumelwano. Isizathu sesibili siwukuthi ngisho ephethe inkokhelo umshwalense inkokhelo yanyanga zonke lisetudlwana ngaphandle intela ye efulethini efanayo.

phansi

Uhlelo Ibhajethi ikuvumela ukuthenga impahla ngesikhathi oyithandayo lenzalo (by 11.9%) kuze kube iminyaka engu-30. Ababoleka imali nokulondoloza ilungelo ukusebenzisa inhlokodolobha womama ukumboza ingxenye yesikweletu bese uthole imali yentela. Kodwa uhlelo has nezihibe. Okokuqala, inani elilinganiselwe amabhange abambe iqhaza. Kukhona 30. kuphela Kodwa de empeleni waba emadolobheni amancane yesifundazwe ungafaka isicelo kuphela "VTB 24" kanye Savings Bank. Esesibili - inkokhelo yokuqala ka- 20%. Ukuze uqhathanise, in the "TCB" ngaphakathi kohlelo efanayo isimo bangathola loan, ukukhokha ukukhokhela ngaphambili 15%. Ngakolunye uhlangothi, imali ngaphezulu kuzokwenza ezingaba umboleki njengendlela yokukhokha phansi, ephansi inani lenzalo ku angakwazi ukubala.