Yini odinga ukuyazi mayelana loans for ukwakhiwa izindlu

Ngokwesiko, amabhange eyabangela le yokubhaliswa mortgage abolekise ukuthengwa zokuhlala, lo mkhuba manje kahle aziwayo futhi ethandwa kakhulu. Izindleko kwezindlu angawi, kunalokho, njalo ephakama ekhungathekisayo eziphakeme. Ukubolekwa kwemali ukuze kwakhiwe lolu daba endlini akuvamile ngakho, ngoba le sevisi kungeyona njengemishini emikhulu edlulisela njengoba ukubolekisa ukuthenga amafulethi. Imininingwane loan yokubhalisa ukwakha indlu sihluke loan efulethini, sibheke kubo kabanzi.

Ngokuvamile, ukubolekisa for ukwakhiwa izindlu ukwenza ukuthi abantu usunayo efulethini abo noma olunye uhlobo ketshezi ingcebo. Amabhange bazimisele kakhulu ukuya ukukuhlangabeza uma une isibambiso efanayo. Kulokhu, ukubolekwa imali ukuze kwakhiwe indlu yokuhlala ngeke ikhishwe inani ku-70% yenani kwempahla oyinikezayo njengoba izibambiso. Zenzalo kuzoncishiswa nje ukwakha, kuba inzuzo engaphezu kuka-ukuthenga indlu esiphelele.

Imibandela kuwo wonke amabhange amayelana okufanayo. Ukubolekwa kwemali ukuze kwakhiwe indlu zikhishwa kufika eminyakeni engu-30. Ukuze uthole imalimboleko, uzodinga ukuqoqa amadokhumende alandelayo, okuyinto kufanelekile yimuphi yasebhange:

• Omazisi kanye nezitifiketi zokuzalwa;
• isiqinisekiso iklayenti solvency (irekhodi ikhophi umsebenzi kanye / noma ulwazi ngesimo PIT-2);
• avumele ngoba umsebenzi wokwakha;
• isitifiketi sobunikazi noma umhlaba izindawo eziqashisayo;
• kuphrojekthi ikhaya esizayo (kuhlanganise ukulinganisa anolaka).

Uma kudingekile, uzocelwa ukuba unikeze ukwaziswa okwengeziwe okuphelele on amaphuzu athile, ezifana umshwalense, PTS, isitifiketi sokubhalisa isimo ingcebo nokunye .. Ngo lomfula, kukhona imibandela ayezosebenza ngaphansi kwayo yonke amakhasimende.

Yikuphi ibhange imigomo lomsebenzisi elingcono ku-loan ukwakha indlu? Sberbank inikeza abaqotho Uhlelo abolekise amakhasimende nalo lomholo noma impesheni. Zenzalo uzobe kakhulu ziyancipha, okuyinto ejabulisa abantu abaningi ukuthatha loan khona. Ekugcineni, Sberbank - mhlawumbe inhlangano kunazo owaziwa yalolu hlobo ezweni lethu, sekuyisikhathi eside zihlukaniswa for nokwethenjelwa nemibandela esihle wonke amakhasimende abo.

Amanye amabhange futhi ukuthola imali ebolekiswayo ukwakha indlu kulula kulabo usukhokhe ngaphandle kokungena ezindlekweni noma loan ubuhlongandlebe. Sonke sinazo ezihlukahlukene izenzakalo, loan imigomo ziyahlukahluka kuye amaholide, zonyaka kanye nezinye zindlela. Ukuze uthole imali-mboleko ngo-imigomo engcono, musa lazy futhi ufunde wonke inikeza amabhange ezinkulu futhi eqotho. amathuba akho kakhulu ukhule phezu isethulo izibambiso kanye neqhaza kokuqala okungenani u-30%.

Qaphela ukuthi amabhange ngokuvamile njengokukwethembisa kwakhe, utsheleke ukwakhiwa kwezindlu endaweni 150 kuya 400 m ^2. Yiqiniso, izimo, ungakwazi ukuxoxa futhi mhlawumbe ngize ukusilela ukwakha indlu esiqeshini sendawo emincane noma emikhulu.

Uma unquma ukukhokha off the loan ekuqaleni, kudingeka uthole ukuthi uma ibhange unekhono ukuhlinzeka ngaphandle izimali ezengeziwe. Ezinye izinhlangano angase imali for buyiselo zakuqala ezinyangeni zokuqala eziyisithupha, ngemva konyaka noma emibili.

Tadisha ngokucophelela inkontileka futhi ngiyothatha wena izimo ukhululekile kakhulu.