Okudingayo ukuze uhlele imali yokuthenga impahla: uhlu lwamadokhumenti, umshuwalense, isikhathi sokucubungula

Yiba nomuzi wakho - iphupho, mhlawumbe, yonke imindeni encane. Kodwa-ke, akuwona wonke umuntu ongakwazi ukukhokhela okunjalo okunethezeka: ukubaluleka kwezindlu zangempela okwamanje kuphula wonke amarekhodi. Kodwa ungathukutheli! Ngenxa yendlela esanda kubonakala ngayo yokubolekisa - imali yokukhishwa imali - lesi sifiso sobusha senzeke!

Okuyinhloko ye-mortgage

I-Mortgage ayiyona into nje yokubolekwa kwempahla (indlu noma indlu). Ngokungafani nezinye izinhlobo zemali mboleko, lesi sipho sesikhathi eside, esikhishwe cishe eminyakeni engu-10-15. Futhi lokhu kuyaqondakala: akuwona wonke umuntu ozokwazi ukukhokha izinkokhelo ezinkulu uma kunikezwa imali yokweletwa okwesikhashana. Futhi uma uhlukanisa le mali ngezinyanga ezingu-120 noma ngaphezulu, uthola inani langempela.

Isici sesibili sendawo yokubolekwa imali yisibambiso sokuphoqelelwa kwendawo yokuthola impahla yangempela njengesibopho semali mboleko. Lokhu kuyadingeka ukuba ibhange lizuze ukuzethemba ngosuku olulandelayo. Ngemuva kwalokho, uma ngisho neklayenti engakhokhi zonke izikweletu ngesikhathi, umklomelo uzohlala kuphela emnyama: indlu / indlu iyoba yindawo yakhe.

Isici sesithathu esihlukile sohlobo lokuboleka imali (lokhu okudingekile ukubhaliswa kwempahla ngaphandle kokuhluleka) ukutholakala kwesitatimende sokuqala. Uma akekho ocela ukutholakala kwezimali zabo siqu uma bethola isikweletu somthengi, ngeke bakwazi ukwenza ngaphandle kwabo. Ngokuvamile inani elincane le-isitoreji sokuqala liyi-10-20% yenani lendawo.

Iziteleka zokubhaliswa kwempahla

Uma ufuna ukuthola inkokhelo yokuthenga indlu / indlu, kudingeka wenze lezi zinyathelo ezilandelayo eziyisisekelo:

• Thola impahla oyifunayo. Kufanele kuqaphele ukuthi izakhiwo ezintsha zithandwa kakhulu ebhange. Ngakho-ke, ngokuvamile lapho uthenga indawo yokuhlala endlini esanda kukhishwa, umbolekiseli uphawula ngemalimboleko emazingeni amanani athakazelisayo.
• Lungiselela iphakheji edingekayo yamadokhumenti.
• Faka isicelo ebhange ukuze ubhalise imali. Kungcono ukuxhumana nezinhlangano eziningana ngesikhathi esisodwa. Mhlawumbe omunye wabo uzovuma imali.
• Uma impendulo yesicelo esithunyelwe kahle, thintana negatsha lesikhungo sezimali ukuze udwebe isivumelwano sesibolekiso.
• Uma kunesidingo, yenze umshuwalense we-real estate, impilo nempilo yomboleki.

Ngokusobala, ukuthola isikweletu sempahla engeyona indawo elula, le nqubo izothatha isikhathi esiningi. Kodwa akukho esikhathini esizayo singaqhathaniswa nomphumela waleso simo - ukuhlala endlini yakho. Ngaphezu kwalokho, ukwazi izigaba eziyisisekelo zokubhaliswa kwempahla, konke kungashintshwa kakhulu.

I-Mortgage: izimo zokuthola

Manje izikhungo eziningi zezezimali zinikeza izinsizakalo zabo empikiswaneni yemalimboleko yokuthengwa kwempahla. Yonke imikhiqizo yabo inezici zayo ezihlukile, izidingo zabo kanye nezidingo zabo. Kodwa singahlukanisa izimo eziningana eziyisisekelo, ezifana nezinkampani eziningi. Zilezi zilandelayo:

• Imali ye-mortgage. Ezweni lakithi, izinkokhelo eziningi zikhishwa ngamaruble aseRussia, kodwa kukhona amacala okubolekwa kwezindlu ezinedola kanye nama-euro.
• Inani lentengo yenzalo kule hlobo lokuboleka ngokuvamile lithatha amagugu kusuka ku-10 kuya ku-16% ngonyaka. Ulwazi olunembile ngalokhu alukwazi ukunikezwa yinoma yiliphi ibhange, ngoba lithinta izici eziningi (iholo lomboleki, i-mortgage term, njll).
• Ukukhokha kokuqala. Ngokwezidingo zamabhange amaningi, iklayenti kufanele ibe okungenani u-10% wenani lokuthengisa ukuze uthole imali yokuthenga impahla.
• Imigomo yokukhokhelwa. Le nto ikhethwa ngokusekelwe ekunqumeni kwe-borrower kanye nezifiso zayo.
• Ukukhokhwa kwesikweletu ngendlela yokukhokha nyangazonke ku-akhawunti yasebhange. Amanani azo zonke izimali ashiwo kusengaphambili kwisivumelwano sesikweletu.
• Njengesiqiniseko sokubolekwa kwemali mboleko, ukubhaliswa okuphoqelekile kokubambisana kwempahla etholakalayo.
• Ezimweni eziningi, umshwalense uyadingeka: isihloko sesikweletu, impilo, impilo kanye nomsebenzi womboleki.
• Ukuqhuba ukuhlola kusebenza. Lokhu kwenziwa yizinhlaka ezizimele zokulinganisa. Kuyadingeka ukuba ibhange liqiniseke ukuthi liyiqiniso lezindleko ezibizwa ngokuthi izindlu / izindlu.
• Ukunikeza izitatimende zengeniso. Lokhu kuzovumela umkweletu ukuthi angabaza ukuthi i-solvency yomboleki uyini.

Iphakheji elidingekayo lamadokhumenti

Ekhuluma ngesidingo sephakheji elithile lezitifiketi, kufanele kuqashelwe ukuthi lolu hlu lungancishiswa noma lunikezelwe kwinkampani eyodwa. Ngezansi uhlu oluyinhloko lwamadokhumenti wokubhaliswa kwemali, okuyizinkampani ezivame ukuzicela:

• Isicelo semali mboleko
• Idokhumenti efakazela ukuthi ungubani. Ngokuvamile, uyipasipoti yesakhamuzi saseRussian Federation.
• Idokhumenti eyengeziwe yesibili yokwaziswa: ithikithi lempi, ipasipoti, ilayisensi yokushayela noma incwadi yempesheni.
• Imibuzo mayelana nemali engenayo.

Izidingo zabakhokhi

Ukuthola imali enhle akwanele ukuthola imali. Amabhange enza ezinye izidingo kumboleki abo. Yiqiniso, kuye ngokuthi inhlangano, ingahle ishintshwe kancane, kodwa isisekelo sayo cishe cishe lokhu:

• Ubukhona bokuba yisakhamuzi saseRussia. Ubufakazi balokhu ipasipoti yesakhamuzi saseRussia.
• Ubudala ngesikhathi sokusebenza kusukela eminyakeni engu-21 futhi ekupheleni kwesikhathi sokuthenga iminyaka engu-60.
• Ukungabikho komlando wesikweletu "omnyama".
• Ukuhlala unomphela esifundeni sokubhaliswa kwemali mboleko.
• Ukusebenza emsebenzini wokugcina akuyona izinyanga ezingaphansi kwezinyanga eziyisithupha, ubude bomsebenzi obuphelele kufanele bube ngaphezu konyaka.

Izipesheli zamabhange ahamba phambili

Ukwenza kube lula ukhetho lomboleki, kufanele unikeze ithabula elilandelayo, elikhombisa izinga lentela ekukhokhweni kwemali emabhange ezweni.

I-Mortgage ku-Bank Savings

Akuyona imfihlo ukuthi i-Sberbank yaseRussia ingenye yamabhange angathembeki kuleli zwe. Yilokho okuchaza ukhetho kwamakhasimende amaningi ale sikhungo. Futhi izinsizakalo zokuboleka ezakhiweni zangempela zifuna kakhulu lapha. Abakhokhi abakhokhelwayo ngeke baphazamise ukwazi ukuthi yini edingekayo ukuze kulungiswe imali yokubolekwa ngemali nalomkweletu.

Okokuqala, lokhu kuhambisana nezidingo zebhange. Ngokuphathelene namakhasimende, yilezi:

• Ubumi beRussia Federation.
• Ubudala kusukela eminyakeni engu-18 ukuya ku-75.
• Ukuba khona komsebenzi wesikhashana unomphela.

Kukhona ukubhaliswa okufanayo kwe-mortgage kwi-Savings Bank ngalezi zindlela:

• Izithakazelo zenzalo zivela ku-11.4% ngonyaka.
• Ukutholakala kwezimali ezizimele - kusuka ku-20% wexabiso le-real estate.
• Isikhathi sokubhaliswa kwe-mortgage sifike eminyakeni engama-30.

Kubalulekile ukuqaphela ukuthi ngaphambi kokubhaliswa kombuso wobunikazi, izinga lesithakazelo likhuphuka ngamaphesenti angu-1. Ukwanda kwalesi sibalo kusongela futhi ngenqabe ukwakha umshuwalense wezinto ezitholakalayo, impilo nempilo yomboleki.

I-Mortgage ku-"VTB 24"

"I-VTB 24" ihlanganisa okwesibini ngokwezinkomba zezimali ezilinganisweni zamabhange aseRussian Federation. Ngakho-ke, kukhona nencazelo ngaphakathi kohlaka lwalesi sihloko salokho okudingekayo ukuze kwenziwe imali ekhishwe kule nkampani. Ngaphezu kwalokho, umkhiqizo wabo ubhekene nezimo ezikhangayo nokufinyeleleka kwengxenye enkulu yabantu.

Ngakho-ke, ngokuqala, kuyoba okulungile ukubhala phansi imigomo yokubolekwa kwe-mortgage ku-"VTB 24". Zilezi zilandelayo:

• Inzalo yesithakazelo - kusuka ku-11.9% ngonyaka (ngokuphakanyiswa kokusekelwa kwezwe);
• Ukutholakala kwemali eyakhe - kusuka ku-20% yenani lomhlaba;
• Inani lemalimboleko etholakalayo livela kuma-ruble ayizinkulungwane ezingu-600 kuya ku-8000;
• Isikhathi sokubolekisa sikhombisa iminyaka engama-30.

Okulandelayo, kufanele sikhulume izidingo eziyinhloko zabakhokhi. "VTB 24" ibeka phambili kanje:

• Ubudala obungaphansi kweminyaka engama-21 ngesikhathi sokufaka isicelo sokubolekwa kwemali mboleko hhayi eminyakeni engaphezu kwengu-70 ngesikhathi sokukhokhwa kwemali mboleko;
• Ubude obugcwele benkonzo - okungenani unyaka owodwa.

Umshuwalense kanye nemali yokukhokhela imali

Uma ufaka isicelo sokuthenga imali, uhlale udingeke ukuba unikeze inqubomgomo yomshuwalense wendawo oyithengayo. Lokhu kwenziwa ukuvikela bobabili umboleki kanye nebhange ezimweni ezingalindelekile: imililo, ukuzamazama komhlaba, njll. Kuyaziwa ukuthi ubude bomshuwalense bulingana ezimweni eziningi unyaka owodwa. Kodwa lokhu akusho ukuthi emva kwalesi sikhathi ungakhohlwa ngomshwalense wangempela! Isihloko sokuboleka kufanele sivikelwe ezingozini kuze kube yilapho iklayenti lezikole zezimali libuyisela ngokugcwele izinkokhelo zemalimboleko.

Inqubomgomo yomshuwalense wangempela akuyona kuphela idokhumenti edingekayo evela e-UK. Ngakho, ngokuvamile umbolekisi udinga enye inshuwalense lapho enza imali. Okufanayo: inqubomgomo yokuphila nomshuwalense wezempilo, amandla okusebenza omboleki. Yiqiniso, ngokusho komthetho waseRussia, amabhange akanayo ilungelo lokuphoqa iklayenti ukubhalisa lolu hlobo lomshuwalense. Izinhlangano zezezimali, ngokuyisisekelo, futhi zenza, kodwa zenza ukubhuka ukuthi uma uziyeka, inzalo yenzalo izophakama ngamaphesenti angu-1.

Kumele uqaphele ukuthi akuyona njalo ikhasimende lebhange elingathenga inqubomgomo edingekayo kunoma iyiphi inkampani yomshuwalense. Ngokuvamile, umboleki ukhombisa izidingo zakhe zokukhetha lo mkhakha, kanti ngezinye izikhathi unikeza uhlu lwezinkampani ezigunyaziwe, phakathi kwazo ongakhetha kuzo ezifanele kakhulu.

Manje, njengoba efunde ukuthi kuyadingeka ukubhaliswa kwemali ekhokhwayo, ababolekayo abangahle akufanele baqiniseke ngokudingekile kokukwamukela isikweletu esinjalo. Ungasho lutho, kodwa indlu yakho ngeke ishintshwe!

Ngokusobala, le mboleko ayikwesabeki kakhulu: izimo zokuthola kanye nezidingo kubakhokhelwe akufanele zimesabe umbolekayo onakho. Into esemqoka akufanele ukwesabe ubunzima bese uya emgomweni wakho.