IzimaliI-Mortgage

Umshuwalense wokuphila we-mortgage uyadingeka noma cha?

Esikhathini sethu sezingxabano ezinkulu zezombangazwe nezomnotho wonke umuntu uzama ukuzivikela kanye nenhloko yabo. Azikho izikhungo ezingekho futhi ezibhange. Lokhu kuyiqiniso ikakhulukazi emalimboleko yesikhathi eside kanye nezingozi ezihlobene. Enye indlela yokusindisa ukutshala imali kwebhange ingumshwalense. Imalimboleko yesikhathi eside, ikakhulukazi ezindlini, ibonakala ngendlela yokubhekana nezingozi, njengomshuwalense wokuphila ngemali yokukhokhela imali.

Ukuphikisana kokuphetha kwezivumelwano zomshuwalense

Asikho isidingo esiphelele salomkhiqizo esiteji sokuqeda isivumelwano sokuboleka imali, kodwa noma yiliphi ibhange eliphikisana kakhulu neziphetho ezinjalo, ngakho-ke amathuba okuthola imiphumela emihle evela kumakhasimende ngaphandle komshuwalense afisa ukungena. Lesi sikhundla asihambisani nomzamo webhange wokukhipha imali esiphezulu kumakhasimende, kodwa ngomzamo wokuvikela izimali. Njengoba ukushona okuphezulu kanye nezinqubo ezimbi zenhlalo zandisa ngokuphindaphindiwe izingozi zokungabikho ukubuyiselwa kwemali mboleko.

Ngakho-ke , inkontileka yomshuwalense wokuphila , ngaphandle kwezingqimba, kuyimfuneko yokuthola umphumela omuhle ngokuphathelene nemali yokuboleka imali. Ifomu nokuqukethwe kwenkontileka kungase kuhluke ngokuphawulekayo kuye ngokuthi umkhankaso womshuwalense okhethiwe noma onconyiwe.

Isidingo somshuwalense wokuphila kwamakhasimende ezinkampani zebhange

Njengomthetho, inkontileka yomshuwalense wokuphila ayikho ebhange, kodwa ngezinkampani ezihlose ukusebenza ngengozi yokungabikho kwezimali ezibolekiwe. Ngakho-ke, amabhange ngokuvamile aphetha izinkontileka ezimweni ezizuzisayo futhi athumele amaklayenti awo ezinkampanini ezithile. Isidingo sobudlelwane obunjalo sibangelwa lokhu okulandelayo:

- uma kwenzeka umcimbi onesiqinisekiso ohlobene nempilo, umshwalense uyokhokhela ikhasimende;

- uma kwenzeka umuntu obolekayo efa, akudingeki ukuba ulinde kuze kube izihlobo zingena ilungelo lobunikazi;

- ngokulahlekelwa kwe-solvency yamaklayenti kukhona ithuba lokuba nesikhathi somusa wenyanga eyisithupha.

Ngakho-ke, umshuwalense wokuphila we-mortgage ungenye yezimfuneko ezibalulekile zokuphetha kwesivumelwano sesikweletu.

Ukumboza izingozi zokungabuyiselwa kwezimali ezibolekwe amabhange aseRussia

Amabhange amaningi aseRussia, anikezwe isimo esibucayi kakhulu sezomnotho, angene emkhakheni wabo amalungiselelo amaningi alawula inqubo kanye nemibandela yokukhishwa kwemali mboleko yesikhathi eside. Isicelo sokucwaninga kwezenhlalakahle "Ukuboleka kwezimali, izimo zasebhange" kubonise ukuthi iningi lamabhange namuhla lenze njalo ukuthola imiphumela emihle.

Ngokuqondene nalesi simo, amabhange aphoqeleka ukuba akhe iziqephu zomshuwalense wezakhiwo zomshuwalense noma angene ezinkontileka ezinkampanini zomshuwalense osevele ziqinisekisiwe. Ngokwemvelo, ukuthi lezi zinkokhelo zenzeke, amabhange akhulisa izinga lentengo emalimboleko yesikhathi eside kumakhasimende abo.

Umshwalense we-Mortgage eSberbank

I-Sberbank yaseRussia yisona sikhungo esikhulu kunazo zonke emakethe yemisebenzi yezezimali eRussia. Ngakho-ke, le nhlangano ingahlinzeka ngezimo ezilula kakhulu ukuthola indawo yokuboleka imali. Umshuwalense wokuphila we-mortgage uyisici esihle sekhambi elihle ekwenzeni iklayenti.

Ngezikhathi zesikhathi eside ubudlelwane bezikweletu zihlale zingengozi yezimo ezingenakubalwa noma ezinamandla. Ngakho-ke, kwakukhona isidingo esicindezelayo sokwakha insimbi enjalo njenge "Sberbank: mortgage, inshuwalense yempilo". Leli thuluzi lithinta kakhulu inani lezinhlelo zokusebenza ezanelisayo zabemi bezwe abafuna ukukhipha imali. Uma kunqatshelwe, iSberbank inelungelo lokuphakamisa nokubuyekeza izinga lentela yemali mboleko. Njengoba kunikezwe inani elincane lokubolekisa, leli phesenti lithinta kakhulu izindleko zokugcina zesakhiwo semali mboleko.

Imibandela yangempela yokuboleka isikhathi eside eSberbank

Njengoba kunikezwe ukushintshwa kwemakethe yokushintshaniswa kwamanye amazwe, iSberbank ibeka amanani asezingeni lemali-mboleko yesikhathi eside. Isibonelo, okwamanje isilinganiso samanje singu-14.5%, sivumelekile kuze kube ngu-28.02.2015. Uma iklayenti yenqaba ukusebenzisa izinsiza ze-Sberbank: Ithuluzi leMali, i-Life Insurance, izinga likhuphukela ku-15.5%.

Kodwa, naphezu kwazo zonke izinhlobo ze-nuances, ngokwezinombolo zezinkontileka ezifeziwe, iSberbank inesimo esiphakeme emakethe yemali mboleko yesikhathi eside. Amakhasimende amaningi akholelwa ngephutha ukuthi uma kuthengiswa imali (Sberbank), umshuwalense wokuphila uyimpoqo. Lezi zitatimende azilona iqiniso, njengoba i-Sberbank ayiphuli imithetho ye-federal eveza ngokuqondile ilungelo "yomshuwalense wokuphila ongenqunyiwe ekutholeni izikweletu zesikhathi eside."

Umshwalense we-Mortgage ku-VTB

Enye yezinkampani ezikhangayo kunazo zonke ezimakethe zemali mboleko yesikhathi eside yi-VTB.

Ukuze unciphise noma angabandakanyi izingozi ezingenzeka, ezinye izinhlobo zemali yomshuwalense ziye zafakwa kule sikhungo kuye ngokuthi yiliphi igama, uhlobo kanye nenani lemali mboleko. Iklayenti engenzeka ngaphambi kokukhetha uhlobo lwemali mboleko futhi uxhumane nesisebenzi sesikhungo kuyadingeka ukuba azijwayele ngedokhumenti elandelayo: "Ukuboleka kwempahla: izimo zasebhange" ukuze uzizwe umehluko futhi ukhethe uhlobo olufanele lokulashwa wena. Le dokhumenti inikeza ithuba lokubona zonke izinzuzo ze-mortgage ye-VTB, futhi ijwayele iklayenti engenzeka nge-VTB: Uhlelo lomshuwalense.

Izici ze-VTB mortgage

Ochwepheshe be-VTB bakhe uhlelo lomshwalense wesikweletu eside, oluhlanganisa imikhiqizo elandelayo:

- ukungenakwenzeka kweminikelo eyimpoqo ngenxa yokulahlekelwa ukusebenza kahle komboleki;

- ukungenakwenzeka kweminikelo edingekayo ngenxa yokufa komboleki;

- ukungenakwenzeka kwemikhawulo edingekayo ngenxa yomonakalo noma ukulahlekelwa kwesibambiso;

- ukungenakwenzeka kweminikelo eyimpoqo ngenxa yokuvinjelwa noma ukuqedwa kwamalungelo wobunikazi entweni yesibambiso (kungakapheli iminyaka emithathu).

Ngaphandle kwesiphetho sekontileka ne-VTB "Ukuboleka imali: umshuwalense wokuphila" ngumbolekayo, injongo yesiboleji ayifinyeleleki kalula. Ukuze wenze lo mkhiqizo ube nenzuzo kakhulu, i-VTB inikeza umshuwalense ophelele, okufaka izinkinga ezilandelayo:

- umlilo;

- izinhlekelele zemvelo;

- imiphumela evela esitelekeni somlilo;

- imiphumela yokuqhuma kwegesi elisemakhaya;

- imiphumela yokulimala kwamanzi;

- imiphumela kusukela ekuwa kwezinto ezindizayo;

- imiphumela yezenzo ezingekho emthethweni.

Lapho enikeza ubufakazi balezi zimo, lolu hlelo lunikezela isinxephezelo ngokugcwele ngokwemibandela yangempela. Uma isinxephezelo sidlula isibopho sezibopho ezivelele, umehluko ukhokhwa kumboleki.

Izindleko zemshuwalense wokuphila ngemali yokukhokhela imali

Izindleko zomshuwalense wokuphila zithwala izici eziningi, kodwa, njengomthetho, awudluli amaphesenti ayisigamu nengxenye yezindleko zokugcina zento yokubolekisa. Ukwakhiwa kwexabiso kuthinteka yi:

- Ubulili (njengoba abesifazane besaphila isikhathi eside kunamadoda, isilinganiso senzalo kubo singaphansi kwamadoda);

- isigaba seminyaka (umkhawulo weminyaka uvela eminyakeni engamashumi amabili kuya kwengu-70, ngenxa yempi - kuze kufike ku-45);

- isimo sempilo yomboleki (izifo ezingenabuhlungu kanye nezifo ezingapheli zingaba yisithiyo esingenakunqotshwa ekutholeni imali);

- ingozi yokuthola ukulimala okuhlobene nomsebenzi kuye ngokuthi uhlobo lomsebenzi;

- izinto zokuzilibazisa (ezokuzilibazisa ezemidlalo ezingozi ziyathinta izinga lentela).

Ezingqinisweni zanamuhla, umshuwalense wokuphila wemali yokuthenga imali uba esinye sezici ezibaluleke kakhulu ebuhlotsheni phakathi kwezikhungo zebhange, izinkampani zomshuwalense kanye namakhasimende abafisa ukuthola izikweletu zesikhathi eside emibhalweni ngayinye nangenzuzo. Ngakho-ke, uma i-mortgage isungulwa, umshuwalense wokuphila uyimpoqo. Phela, lokhu akuzuzisi kuphela amabhange, kodwa nalabo ababolekayo.

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