Okudingayo bengatshelekwa ku ifulethi? Yini imibhalo edingekayo?

Ukucabanga ukuthenga efulethini yakho siqu? Thina ukhethe okukhethwa kukho kwesokudla, kodwa awunayo imali eyanele? Noma ukhetha ukungahlanganyeli ukutshala okuningi ukonga siqu futhi credit ukusizakala isevisi? Khona-ke mortgage - yilokhu okudingayo! Lokho kusho ukuthini futhi lihluke kanjani umthengi credit.

Mortgage ihlukile kwezinye izinhlobo credit?

Into ebaluleke kakhulu umehluko - inani lenzalo. Ingabe mortgage loans is ephansi kakhulu kunalokho imali yokuthenga imoto, umthengi, njll Lokhu kuchazwe kakhulu ukumane. Ngokuvamile, abantu ukuthatha mortgage ku imali kahle esikhulu, ngoba impahla akuyona ezishibhile. Futhi inzalo loan ibalwa ngenani eliphelele lelo cala. Futhi uma izinga mortgage kwaba okufanayo njengoba yomthengi credit, abantu esasingeke omunye ukuphila ukukhokha imali kwi loan. Bese kuyoba leso sikweletu uzalwe yizingane zabo. Ngoba inani ngokweqile kuzodlula umkhawulo inani mortgage ezikhathini 3 noma 4.

Ukuze okuvula, ake sicabangele isibonelo. Ingemuva: ofuna ukuyithenga efulethini mortgage ruble 5,000,000. Awuyena ukulungele ukwenza inkokhelo phansi, kodwa ukulikhokhela ruble 86.500. Uma izinga mortgage kwaba ngisho cishe izinga ubuncane yabathengi credit, ubungeke ube neminyaka engu-20 ukukhokha imali mortgage, futhi ngabe overpaid 315%, okulingana kwezigidi ezingu 15.7. Ruble! ! Okungukuthi, kuzofuneka ukuthi akhokhe izindleko 4 ezindlini zabo!

Qaphela ukuthi uma ukhetha uhlelo mortgage esikhathini loan. Okusho ukuthi, uma kokuqala idatha ngokweqile wethu iminyaka engu-20, 315%, kanti uma sandisa inkokhelo ruble 2700 kuphela, isikhathi kuyehla kakhulu ngendlela 5 iminyaka! Futhi ngokweqile kuyehla 91%! Uzizwa mehluko global? !

Futhi lapho esiyiminyaka 10 futhi ukukhokha ama-ruble ayizigidi 98 ngenyanga kuyinto ngokweqile kwakho kuyoba 135% kusukela . abayizigidi ezingu-6.7. ruble.

Uma silandela mkhuba, kuba sobala ukuthi kuyo yonke iminyaka 5 mortgage isithakazelo lemali okulingana ukubaluleka efulethini yakho!

Kodwa lokhu ngesilinganiso esingamaphesenti 20% ngonyaka. Ezweni lethu, ku izinhlelo mortgage ngokuvamile aphansi futhi kuhluka 13%. Asenze ukubala emigomeni efanayo uphinde uqhathanise imiphumela.

Uma sicabangela isikhathi iminyaka engu-20, inkokhelo yanyanga zonke ruble 59 500, okuyinto nizhi ayizinkulungwane 27 kuka ngesilinganiso 20%. Uzizwa nendima eyadlalwa umehluko 7%?! Lonke inani overpayments eshiya 9.3 mln. Ruble, okungukuthi, 185% eminyakeni 20. ? Uyabona ukuthi big umehluko?

Nge wokwehla esiyiminyaka 5, ukwanda inkokhelo ayizinkulungwane 4,5 kuphela, kodwa ngokweqile kuyehla 55%! ! Futhi abayizigidi ezingu-6,5. Ruble!

Lapho isikhathi Ikhredithi engu-10 kanye nokukhokhwa ayizinkulungwane 75,3 ruble ngokweqile kuyoba 81%, okusho ukuthi izigidi ezingu-4. Ruble. . Njengoba ubona, umehluko obonakala khulu.

. Ukuze ubone imiphumela ethebuleni isifinyezo ukuthi ekugcineni siqonde ukuthi kungani izinga Uhlelo mortgage ingaphansi.

• Iphakheji kwemibhalo, okuyilona elidingekayo ukuze umuntu a mortgage ihlukile kakhulu. Ngakho, ake sibone ukuthi imibhalo edingekayo ukuze mortgage ku ifulethi.
• iphasiphothi umboleki sika.
• isitatimende Income, kanye mayelana inhlangano lapho ngisebenza (ikhophi yencwadi umsebenzi).
• Imibhalo eqinisekisa idiphozi (uma ikhona).

Okudingayo bengatshelekwa ku ifulethi? uhlu kwemibhalo

Lapho ngokuletha co-umboleki noma yisiboniso uhlu kwemibhalo uyanda. Kusukela kubo kuzodinga imibhalo efanayo, futhi lokho kuwe. okungukuthi iphasiphothi yabo kanye nobufakazi engenayo (ngokuvamile inkomba 2 PIT).

Kungenzeka futhi udinge eziningi namanye amadokhumenti. Olunye ulwazi uzokutshela abasebenzi asebhange, ngoba esimweni ngasinye sihlukile, izinhlelo eziningi mortgage. Lokhu kusho ukuthi udinga ukuqoqa imibhalo, okuyinto ekufanele. Ukuze lokuma idatha yoqobo esithathwayo.

Izimfuneko umboleki

Ngo lomfula, bahlukile, kodwa kukhona inombolo ngemibandela okuyinto Bayefana bonke amabhange. Ake sibheke kubo:

1. Ubudala. Ngo amabhange amaningi, engu obuncane nokucutshungulwa kwezicelo engu-21. Futhi lokhu kuyaqondakala. Ngokuvamile, kule nkathi yesikhathi umuntu eqeda esikoleni futhi ubude ezithile zenkonzo.

2. Umsebenzi isipiliyoni - umbandela wesibili, owawuthi amabhange ukunquma okunokwethenjelwa kanjani lo muntu obolekayo. Ubude obuncane yesevisi emsebenzini wokugcina kumele okungenani ibe unyaka. Ngaphezu kwalokho, izisebenzi banake yokuthi abantu nokwethenjelwa inkomba iyona nobuningi lishintsha umsebenzi. Uma indoda ndawo wenyanga 1 awumanga, leli qiniso kungaba neze ezifakazela ukuthi linokwethenjelwa.

3. Umthombo umlando. Ukuba khona omuhle credit umlando ngikwenzele okuhle kuphela. Ngenxa enalubonisa ngokwakho njengomuntu onokwethenjelwa futhi ibhange kulula ukuvuma mortgage loan yakho.

Ngakho ukuba afingqe, udinga ukuthola mortgage ngoba ifulethi? Umlando omuhle credit, ilemuko lomsebenzi ka okungenani unyaka wonke kanye nobudala umboleki sika 21+.

Mortgage kanye womama inhlokodolobha

Ngingakusebenzisa kanjani lokhu dolobha womama ukukhokhela sonke isikweletu sendlu futhi indlela yokukwenza? Yini udinga ukuthenga efulethini mortgage? Ukusetshenziswa dolobha ukuba abuyisele mortgage - Kuwumkhuba ovamile. Kodwa indlela yokukwenza kahle ukwazi, hhayi eminingi. Kwezinye amabhange, ungakwazi ukuyisebenzisa njengeqhinga yokukhokha phansi.

Ukuze wenze lokhu, kudingeka nasi isixwayiso abasebenzi yasebhange ezokwenza lokukhokhela isitolimende sokuqala hhayi imali kanye nesitifiketi. Futhi udinga ukwakha iphakethe enwetshiwe kwemibhalo.

Ingxenye izitifiketi uzodinga ukuthatha isikhwama sempesheni, isibonelo, isitifiketi isimo se-akhawunti yakho. Futhi ezinye imibhalo ukuba bazithobe Pension Fund, njengoba zonke Bahlola ngokucophelela, ngoba kukhona izimo eziningi lapho abantu ufuna imali dolobha womama.

Imali emvilophini, ikhumbula engenayo - uyinganekwane yini noma ngokoqobo?

Abanye abantu ukuthola imali kusuka emithonjeni eziningana engenayo. Futhi leyo ngxenye ezinjalo iholo kubantu ekhishwe ezimvilophini. Indlela kulokhu? Kusukela ngo-2014, amabhange amaningi aba lula Ukukhishwa izinhlelo mortgage. Yingakho, unganikela isitifiketi efomini esungulwe ebhange, lapho umqashi izobonisa ngenani eliphelele imali yakho, kanye amabhonasi kanye yimaphi amaphromoshini. Kukhona amabhange ukuthi ukukhipha abatshelekayo zonke kumadokhumenti ezimbili! Kodwa kulokhu kubalulekile ukuthi ube ephelele Umlando wokukhokha kwemali, isipiliyoni eside enhlanganweni.

Yiziphi ezinye izindleko kufanele bacabangele abantu abafuna ukuthola indlu?

Ingabe ngidinga ukuthathelwa umshuwalense indlu nge a mortgage? Lo magazini kuyinto ekhathaza ababoleka eziningi. Yebo, ukuze ukuthathelwa umshuwalense efulethini kwakudingeka ngokucacile. Kuyinto imfuneko ebhange kanye "airbag" zalo. Ngoba uma efulethini lapho kwenzeka okuthile, akubona bonke ababoleka imali ukuze akhokhele kanye nokubuyiselwa efulethini ngesikhathi esifanayo, kungakho ukubambezeleka ekukhokheleni kuzolandelwa nezinye izinkathazo.

Ingabe Ngidinga efulethini amaphuzu nge-mortgage? Lo mbuzo iyathakazelisa ababoleka eziningi. Yebo, le nqubo kubalulekile ukuba afeze futhi emva ekuhloleni efulethini ukunikeza imibhalo ebhange.

Indlela ukukhetha indawo?

Ekuqaleni, kudingeka unqume ukuthi indawo yokuhlala ufuna. Secondary noma ufuna ekwakheni ngokuhlanganyela, noma alungele ukuthenga efulethini entsha endlini siphelile, kodwa nge sekugcineni. Kususelwa izifiso zakho, uzodinga eyolanda Uhlelo mortgage. Ngokuvamile, lezi zinhlelo zingafani ngokoMthetho. Futhi umbandela eyinhloko ukuthi umboleki efuna ukuyibuyisa ngokuyithenga futhi indlu.

Uma unquma ekwakheni ngokuhlanganyela, qiniseka ukuhlola izibuyekezo inkampani, okuyinto unjiniyela. Ukuze siqiniseke ukuthi efulethini izakukhashelwa ngesikhathi futhi angazange abanjwe.

Ufuna uthole mortgage ku Savings Bank?

Okudingayo bengatshelekwa ku ifulethi? Impendulo yalo mbuzo zingatholakala ku-website esemthethweni ebhange. Imiyalelo: Savings Bank - mortgage - lokho imibhalo ezidingekayo efulethini?

• Isivumelwano ngenhloso.
• iphasipoti yakho.
• 2 PIT.

Qaphela ukuthi kule yasebhange ziyabhekelelwa kuphela baqinisekisa imali umboleki sika, ngakho-ke uma imali olusemthethweni akuyona enkulu kakhulu, kungcono uthenge co-Osayinile noma yisiboniso (lapho kungenzeka eziningana). Futhi, ungakwazi ukuheha co-umboleki. Kusukela lokho kuzodinga imibhalo efanayo, futhi lokho kuwe.

Uthenge efulethini mortgage? Lokho Okufanele Ukwazi

Esinye nesinye isakhamuzi we Russian Federation 1 isikhathi ekuphileni ukubuyela kwemali esetshenziswe ukuthengwa zokuhlala, ukukhokha inzalo phezu indlu namakhadi ukulungisa izindawo. kanjani lokhu? Udinga izikhathi 1 unyaka kudlule ehhovisi lentela isitifiketi imali, ubufakazi bokuba khona abatshelekayo nabanye. Uhlu olunemininingwane ethe xaxa ingatholakala kwi-website IRS noma ngqo wokuhlola.

Yimalini izobuyiselwa? Uzothola emuva lemali egcwele izintela ukuthi ikhokhwe ngonyaka odlule. Sicela uqaphele ukuthi le mali umkhawulo. Ungabuyela ezingeqi kwezingu-ruble ayizigidi 260 lonke isikhathi, futhi isikhathi esisodwa kuphela ekuphileni kwakhe.

Yini imibhalo kudingeka umdayisi efulethini ku mortgage?

• Isitifiketi sokubhalisa isimo amalungelo.
• Lo mbiko, okusekelwe kuyo inelungelo ukuza.
• Isitatimende akukho sikweletu Tinsita.

Indlela yokufaka isicelo bengatshelekwa?

Okudingayo bengatshelekwa ku ifulethi sesikubonile esiphethweni. Manje kufanele sibone ukuthi ukusebenzisa ukuyithola. Okudingayo bengatshelekwa ku ifulethi?

1. Khetha impahla kanye yasebhange lapho ufuna ukuthola imali-mboleko.
2. Bheka ibhange akhethiwe iseluleko, ukukhethwa uhlelo oyifunayo futhi uhlu kwemibhalo kuhanjiswe.
3. Ukuqoqa imibhalo kanye buza ibhange lakho ukuze ufake isicelo.
4. Uma sivunyiwe bengatshelekwa nebhange usayine inkontileka ne lobunjiniyela inkontileka sokuthengisa.
5. Uzothola isitifiketi sokubhalisa isimo amalungelo nge encumbrance.
6. Insure ke. Lokhu kungenziwa nganoma iyiphi inkampani, okuyinto ubambisana nebhange lakho. Nge uhlu, ungabona noma kuwebhusayithi yebhange, noma ukuthole ebhange. Njengoba kanye nolwazi unganikeza hotline.
7. Jabulela efulethini yakho siqu!

Lokho kufanele sinake?

1. On inani lenzalo. Ngokuvamile, izisebenzi yebhange ukuya namasu bese uzitholele isivumelwano ukhokhe inzalo enkulu ukuze bathole imali eningi kule dili. Bancika yokuthi ngeke ufunde. . Futhi uma, ngemva uqaphela iphutha awukwazi kufakazisa lutho.

2. Igama elithi imalimboleko kanye nyangazonke lenkokhelo. Ngoba isikhathi eside isikhathi, aba maningi ngokweqile, njengoba sesibonile ngaphambili. Qaphela! Funda yonke imibhalo. Buza noma yini ongayiqondi. Ungabi namahloni. Uma into ephambanisa ungahlala shayela hotline futhi ukucacisa yonke imibuzo.