Ukususa encumbrance ka mortgage Sberbank: imibhalo, izinsuku, ukubuyekezwa

amakhasimende ebhange bazi ukuthi nge abatshelekayo ziba abanikazi ephilayo isikhala ezabo, wathenga credit imali, kodwa ingcebo ibekwa umthwalo. Umnikazi impahla umboleki, kodwa hhayi yonke imisebenzi kungenzeka kwenziwe ngaphandle ebhange. Emva kokuthi ukhokhe nesikweletu iziphakamisile umthwalo mortgage. Savings Bank, efana nezinye izikhungo, inikeza ukuba bafeze lo inqubo efanele.

inkokhelo yokugcina

Ukuze akhokhele kunzima ngempela. Kumele kukhunjulwe mayelana nosuku lokukhokhela isitolimende, ukuze ngingasebenzisi ibhaliswe prosrochnikov uhlu. Kodwa ngemva eziningi izinkokhelo namanje usuku yokugcina. Ngemva kwalokho kusasekuseni ukuqagula ukuthi uphumule. Ukuze ube umnikazi egcwele ingcebo kumele kube ukususwa encumbrances ku mortgage. Ukulondoloza lokhu inqubo akuyona ezahlukene kakhulu kwezinye izikhungo credit.

Umcabango

Encumbrance kuhilela iqoqo izimo ukuthi ubeke umkhawulo izenzo, kumnikazi womhlaba. Isibonelo, ngeke ukuthengisa indlu akhiphe exchange, ezinjenge noma ukubhalisa izihlobo. Donsela it out, kodwa kuphela imvume ebhaliwe ebhange, okuyinto kubhekwa yi pledgee. Yikuphi yezandla ukwenza kungavunyelwe, ebekiwe inkontileka.

Ngisho kokwenza inkokhelo yokugcina akusho ngokuzenzakalelayo kuholele bephakamisa imikhawulo endaweni eziphilayo. Ukususwa kwezimiso encumbrances kusukela efulethini ku mortgage Sberbank ingasebenzi bebodwa. Ukuze wenze lokhu, ikhasimende kumele uxhumane igunya yokubhalisa isitatimende. Yini imibhalo kudingeka, kufanele icaciswe Rosreestra. Uma umthwalo singasuki kinid ngesikhathi, iba imbangela nobunzima esikhathini esizayo. Ngokwesibonelo, ngo-ukudayiswa ingcebo, abaningi singase singavumelani ukuthenga izindlu ezinjalo.

amadokhumenti

Inqubo ukususwa encumbrances kusukela efulethini mortgage kwenziwa ngokuvumelana nemithetho emisiwe Savings Bank. Uma ukwenza inkokhelo yokugcina ebhange kumelwe athathe isitifiketi kungekho izikweletu. Kuncike ke emva kwezinsuku 3 futhi mahhala. Le dokhumenti ngeke esibophezelayo, kodwa kungcono ukuba. Kukhona amacala lapho miscalculation umthethosivivinywa Uyi upeni izikweletu. Base ezicela isithakazelo, izinhlawulo, ngenxa yalokho iklayenti bangaba prosrochnikom.

Yamukela amadokhumenti yokususa encumbrances phezu Rosreestr mortgage. Sberbank izonikeza isitifiketi kungekho izikweletu. Lawa madokhumende alandelayo udinga ukuqoqa:

1. Incwadi ebuya kwamanye ama ebhange eqinisekisa yokuntuleka ukugcwaliseka izibopho ngaphansi inkontileka. Ngesinye isikhathi kuyadingeka ukunikeza isitatimende we-akhawunti loan.
2. ISimemezelo amaqembu, zisayinwe ebese eqinisekisiwe abasebenzi asebhange. isampula wakhe ingatholakala ibhange noma Izinkampani House.
3. Isivumelwano Mortgage nge ikhophi yayo.
4. Original nekhophi ye-mortgage, okhombisa ukusebenza nezibopho, kanye esiqokiwe ukuvuthwa usuku.
5. Passport sabantu elicacisiwe isitifiketi sobunikazi. Kufanele ngokwakho ngesikhathi isicelo.
6. Isitifiketi kobunikazi.
7. Ukuqinisekiswa yokukhokha wesibopho isimo.
8. Isinqumo senkantolo, uma isivumelwano mortgage uyekile ngokuvumelana naso.

Uhlu ngqo kwemibhalo ingatholakala igunya ukubhalisa endaweni lapho uhlala khona. Kusifunda ngasinye, izidingo zihlukile. Ngokususa Rosreestr encumbrance mortgage. Imibhalo Savings Bank inikeza ukuze nginikeze ngokushesha emva ukukhokhwa izikweletu ukuthi le nqubo yase kwenziwe ngendlela esifike ngesikhathi.

isicelo

Isinyathelo esibalulekile ukubhala isitatimende. It esiqokiwe imininingwane efana:

• umniningwano lophatselene umnikazi;
• igama, imininingwane yokuxhumana;
• idatha loan;
• ulwazi mayelana ukungabi khona izibopho mutual;
• isicelo ukususwa encumbrances.

Bakha isitatimende uyibhala A4.

Izinketho Document Element

Lapho ukususwa encumbrances ku mortgage? Savings Bank inikeza amakhasimende uthintane Rosreestr. ke kuphela kungenziwa ngezindlela eziningana. Inguqulo esezingeni kubhekwa ukuba olithandayo Federal Service of State Ukubhaliswa. Kulokhu, akukho abaxhumanisi, izenzo eyenziwa yi-client mathupha noma abamele ebhange.

Thumela ngeposi imibhalo kungaba incwadi eyigugu. Kusayina phezu izicelo kufanele iqinisekiswe yi-ummeli olungisa izivumelwano, kodwa besigijimi ngokwaso ithunyelwa uhlu lokuqukethwe nesaziso kokuthola. Kodwa le ndlela kuzothatha isikhathi eside - Ukuvakashela ummeli olungisa izivumelwano, umsuka mpahla. Namanje kokuthola ubufakazi kwakufanele mathupha.

Ongenza ukususwa encumbrances ku mortgage Sberbank e MFC. Lezi zinhlangano ukusebenza emadolobheni amaningi, ngokusebenzisa izinkonzo ezihlukahlukene umphakathi. Okokuqala, izikhungo babedalelwe lula izinqubo zokugcwalisa ezihlukahlukene izicelo futhi ukunciphisa zokukhokha. Kodwa umkhuba akubukeki kulungile. Zokukhokha ziye anda ngenxa yokuthi ukuthi zokuthutha kwemibhalo ehilelekile ehambisa.

Kunezinye izindlela ukwenza ukususwa encumbrances ku mortgage. Savings Bank inikeza usebenzise inketho elula - Inthanethi. Kumelwe ukusebenzise nge website amasevisi zomphakathi.

Kusengenzeka ukufeza inqubo ngosizo realtors kanye ejensi ukuthi lolo sizo. Zenza wonke umsebenzi, kodwa ngeke kube mahhala.

izindlela ezingokomthetho ezitholakalayo

Ngezinye izikhathi ukususwa imithwalo ngeke kwenziwe nge kwemvume mortgagee, ngakho-ke konke kwenziwa ngokusebenzisa izinkantolo. Lokhu kungaba icala uma:

• ebhange evaliwe;
• wanyamalala bezijabulisa;
• bezijabulisa akafuni ukususa encumbrance ngokuzithandela;
• umboleki ufile.

Kulezi zimo, udinga ukunikeza isivumelwano enkantolo, amasheke, imibhalo ku ifa. Khona-ke le nqubo ngeke sithathe isikhathi esijana. Lokhu izohamba ukufaka isimangalo enkantolo, bese umhlangano luzohlelelwa. Uma inkantolo ikhipha isinqumo esihle, kubalulekile ukulinda entry walo force. Khona-ke ngo-Companies Endlini isicelo kokususwa encumbrance futhi isinqumo senkantolo.

Inqubo oda

Inqubo ukususwa encumbrances ku mortgage uyabulawa ngesisekelo izinyathelo ezilandelayo ku Savings Bank:

1. Ithola imibhalo ebhange. Sidinga ukuthatha okwangempela futhi wenze amakhophi adingekayo.
2. Inkokhelo komsebenzi wombuso.
3. Ukungena i emgqeni electronic Rosreestra.
4. Umhlangano no-isisebenzi sasebhange, emnikeza isicelo ukususwa encumbrances.
5. Thola namarisidi kusukela Registrar mayelana reception kwemibhalo.
6. Ngelanga esimisiwe ukuvakashela Izinkampani House bese imibhalo ukuthi siphakamise imithwalo.

Kuyothatha isikhathi esingakanani ukuba kwenzeke ukususwa encumbrances ku mortgage ku Savings Bank? Izibuyekezo abonisa ukuthi kuthatha cishe inyanga, kodwa kungadingeka futhi ezimbili. Yenza le nqubo kumele kube ngokushesha ngemva sokukhokhwa kwesikweletu, ngoba uma esikhathini esizayo kuyoba khona ubunzima izindlu nezindawo ukuthengiselana. Inqubo kokususa encumbrance ka mortgage Sberbank kuyafana e nezinye izinhlangano.

Imibandela

Kubalulekile ukwenza ukususwa esifike encumbrances ku mortgage ku Savings Bank. Izinsuku isethelwe oyisibopho inqubo ndima. Kuyinto efiselekayo ukusebenzisa ibhange inyanga ngaphambi ukuvalwa kuhlelwe yesivumelwano. Kulokhu kwanele izabelo, ukubhaliswa kwemibhalo edingekayo futhi lonke umsebenzi.

Lapho kwakukhona ukubala iphepha ahanjiswe Rosreestr, ngemva kwalokhu oluvelele 3 izinsuku ukwenza amarekhodi nokukhokhwa mortgage. Ngakho-ke, ukubambezeleka akukwazi. Lokhu kusebenza ikakhulukazi ezimweni lapho inqubo wenziwa umboleki bebodwa. Yazisa isitatimende isidingo ku Unified State Register.

Uma kungekho kuye kwathathwa izinyathelo, kodwa umane ukusebenzisa ibhange, kufanele ulinde izinsuku ezingu-45 kuze kube umthwalo ngeke asuswe umboleki wangaphambili. Esikhathini inqubo othomathikhi, isuswe ekupheleni impilo mortgage, Rosreestra isivumelwano ebhange futhi ukwahlulelwa.

Kungathatha izinyanga ezingu-3. Ngakho-ke, uma isicelo akusho uthumele noma iyiphi nomele ibhange noma iklayenti, ukususwa ngokuzenzekelayo encumbrances kwenzeka ezinyangeni ezingu-3.

Over 3 iminyaka ababoleka wangaphambili kudingeka sigcine izitatimende, amarisidi, izinkokhelo, kanye nezinye izincwadi eziphathelene ebhange. Le nkathi of komkhawulo, okuyinto kubalulekile ukulinda hhayi ukubhubhisa amadokhumenti ku mortgage. Ngemva kokwenza izinguquko Rosreestra ikhasimende ungakha kule imibhalo umzimba isihloko izindlu uthenge, okuzokwenza uphawu ebhange. Kodwa lokhu iyisevisi ikhokhwe - kufanele kube akhokhe imali isimo.

Ukuthengiswa kwempahla

Kubalulekile ukwazi ukuthi ukuthengisa indlu, ngisho noma ingaphansi umthwalo ebhange. Lokhu kwenzeka uma lo muntu obolekayo engingeke ngikwazi ukuyikhokhela noma sabhekana nobunzima ngokulinaka mortgage, ngenxa yalokho iba yindawo yoMkhandlu ibheyili ebhange. Ukuze ukhokhele loan, impahla kumele ithengiswe futhi ukuqhutshwa olwalusetshenziselwa ukukhokha izikweletu. Iklayenti uhlala ezinye imali.

Ngokuzimela afeze ukudayiswa ingcebo kuzoba nzima njengoba ibhange uqaphe yonke ukuthengiselana, okuyinto umboleki uzama ukufeza isibambiso. Futhi ukudayiswa kubalulekile ukuthi into wayengekho ngaphansi encumbrance. Ngakho-ke, umsebenzi kungaba kwenziwe nge kwemvume ebhange.

Umthengi kufanele athathe isitifiketi kusukela Unified State Register ku inani mortgage izikweletu. Wayedinga ukwazi ukuthi kungakanani kusala ukukhokha loan. Ekusebenteni, ukususwa encumbrances kwenzeka ezinyangeni 2. Kodwa amabhange mukela isikhathi. Inqubo ngokwaso ilula, badinga kuphela ukudlulise ngendlela esifike ngesikhathi.

ukuxazulula izingxabano

Ngokuvamile, ukususwa encumbrances ithatha isikhathi eside kunaleso abatshelekayo. Isizathu salokhu isheke olunzulu loan izikhulu ukuthi zonke zase esakhokhwa ababoleka. Kodwa kungase kube ngenxa enama, sihlinzekela ukulawula futhi ushintshe amalungelo ebhukwini.

Ngokuvamile lezi zimo zenzeka nokuthi ezingu-2 emva ukuvala isivumelwano ingena eziyisixwayiso mayelana nesidingo ukhokhe imali ethile. Uma kukhona isidingo ukuxhumana ebhange nge kokwethula isitifiketi yokukhokha yesikweletu. Lokhu kungaba iphutha lobuchwepheshe , noma ngobudedengu womuntu.

accrual kwezinhloso zenzuzo

Kukhona futhi izimo lapho iklayenti ayizange ikhokhwe ngendlela esifike ngesikhathi noma iyiphi inkokhelo, futhi kwakukhona isigwebo, okuyinto ingakakhokhwa. Ezimweni ezinjalo kaningi, ngakho ngabo sihlale sikulungele. Uma ibhange ngokusemthethweni enqwabelene izikweletu, kungcono yokuyikhokhela ngokuvala ngokuphelele a mortgage. Kukhona amaklayenti abathi kuleyo mibuthano, ngokwenqaba ukukhokha imali. Khona-ke ibhange liya enkantolo, okothi anqume umusa. Futhi amakhasimende badinga kuphela ukukhokha inani okhethiwe.

Lapho umthwalo waphakamisa, umnikazi we-ingcebo iba umnikazi egcwele. Ngakho-ke, kungaba enze ukuthengiselana ezehlukene ezifana ukudayiswa, exchange, ukuqasha. Futhi zonke kuzokwenziwa ngokomthetho.