I-Mortgage inceda kakhulu ukunyusa imali yokufumana imali kwi-bhanki. Ukuboleka imali kuthetha ukubonelelwa ngemali kumbolekayo ukuthenga indlu okanye enye into. Ukuboleka imali, ungeke uhlawule izindlu kuphela, kodwa nakwezinye ipropati, ezifana ne-yachts, umhlaba kunye neemoto.
Ipropathi ethengwe nge-mortgage ngokuzenzekelayo iba yipropati yomhlali welizwe owathatha imali. Ngaphambili ukuze ufumane imali yokubambisa imali, bekufuneka ukuba wenze ubuncinane imali enye, kodwa kungekudala ungayifumana imali engenayo imali.
KwiRussia Federation, imboleko yokuboleka imali ihlala isetyenziselwa ukuthenga izindlu. Ngaphantsi kweempahla ezininzi kwiimeko ezininzi, izindlu ezithengiweyo zakhiwa, kodwa unokubambisa isakhiwo sakho esele sekhona.
E-Rashiya, umboleko wemali unenkxaso kwizinga lelizwe, eliphinda yonke imithwalo yemithwalo yempahla, kwaye ine-agency ekhethekileyo.
Ixabiso lokwenza idiphozithi yokuqala ingaba ngowama-0% ukuya kuma-90% okuba nako ukufumana indlu. Kodwa ngokukodwa ukubolekwa kwemali mboleko kubantu abangenayo imali encinci okanye bengenazo iimali zokutyalomali-mali, okanye abantu abangenayo imali yazo zonke iindidi.
Ngokubanzi, kukho ininzi enkulu yeentlobo zemali-mboleko yokubolekwa kwemali, ngoko ke umboleki ngamnye ukhetha imali yokuboleka imali kunye nexabiso elincinci lepositi okanye nokuba lingekho.
Ukubolekwa kwemali ngaphandle kokwenza intlawulo yokuqala kuyimfuno enkulu phakathi kwabemi baseRussian Federation abafuna ukufumana indawo yabo yokuhlala. Kwabo baboleki abathile bhanki bayavuya ukunika mboleko nayiphi na imali. Ngokwenene, ixabiso lemali mboleko lenziwe u-70% -80% wexabiso lezindlu.
Kodwa, nangona kunjalo ukunikezela kweebhanki, inani lemali yokuboleka imali ingakwazi ukuxhoma kwiimeko ezininzi, umzekelo, njengokuba ixesha liza kubalwa, kunye neprogram yokubolekwa kwemali inikwe ibhanki oyikhethile.
Kwakhona lolu hlobo lwemboleko yokubolekwa kwemali mboleko ifanelekileyo kubantu abahlala benemizi yabo, kodwa bafuna ukuthenga izindlu ezithengiweyo nezitsha. Kwimeko enjalo ukuba ufuna ukuthatha umboleko wemali mboleko phantsi kwe-estate yakho ekhoyo, ngoko kufuneka ukwazi ukuba ipropati ekhonjiweyo kufuneka ibekwe kwisixeko esifanayo njengebhanki ekhethiweyo.
Ukubhaliswa kwemali yokubolekwa kwemali ngokungabikho kwepasiti yokuqala, ungasebenzisa kanye kanye iintlobo ezimbini. Imboleko yokuqala ongayikhupha ngokukhuseleko kwipropati yakho, unokufaka isicelo semboleko yesibini ukwenzela ukukhusela izindlu ozithengayo.
Unokufaka isicelo somboleko wokuqala ukuze wenze intlawulo yokuqala. Phantse zonke iibhanki ezikhupha iimali-mboleko zibeka ngokukodwa inkqubo yokubolekwa kwempahla kwiziko labo, oku kwenziwa ukwenzela ukuba ube nethuba eliphezulu lokufumana iimali-mboleko ezimbini ngelo xesha. Kodwa kuyafaneleka ukuqonda ukuba inkqubo enjalo yemboleko inomdla omkhulu.
Ukuba ufuna ukugcina imali yakho, oko kukulungele ukuba uboleke imali kumaziko ahlukeneyo emali.
Kwakhona, uhlobo oluqhelekileyo lwemali yokubolekwa kwemali mboleko kukubhaliswa kweentengo zemboleko zabathengi. Ungasebenzisa lolu hlobo lokuboleka xa ungenalo i-real estate phantsi kokubambisa. Ukuze wenze inkokhelo yokuqala kufuneka uthabathe imali kwimboleko yemboleko yabathengi ngaphambili, ongenalo uphawu olujoliswe kuyo.
Xa ubolekisa imali, kufuneka uqwalasele ezinye zeemeko ezinokuvela ekugqibeleni ukuhlawulwa kwemboleko.
- Xa ibhanki iyakunika umboleki-mboleki, oko kuya kukhokelwa kuphela ngumvuzo osemthethweni wabo-mboleki, ngamanye amagama, ukuba inzuzo yakho ibhalwe.
- Ngokubanzi, iimboleko zemboleko zabathengi zikhutshwa ixesha elifutshane kuneemboleko zemali mboleko, kwaye oku kungagqitywa ukuba imiqathango inokuchaphazela inani lemali elithathiweyo, ngoxa umbolekayo angathatha imali mboleko encinci kunemali yokuboleka imali.
- Ibhanki ekhupha iimali zemali kumbolekisi inokubeka umda wokukhutshwa kwemboleko. Ukuba uya kuthatha isixa-mali somboleki somthengi ogqithise i-ruble 300 000-500 000, ngoko kule meko, ibhanki ingakucela ukuba uthembise impahla.
Olu hlobo lwemboleko, kunye nabo bonke abanye, lunokukhishwa kwi-intanethi.
Ukuze wenze i-mortgage ungasebenzisa i-intanethi. Ukwenza oku, kufuneka uhambe kwiwebhsayithi yebhanki uze ukhuphe le mibuzo efunekayo yomboleki, apho kufuneka ufumane ulwazi olupheleleyo noluthembekileyo. Emva kokukhupha umyalelo wokufumana i-mortgage ngokusebenzisa i-intanethi, amaxwebhu akho aya kuhlolisiswa ngokunyanisekileyo ukuba aqiniseke kwiziseko zesikweletu. Kodwa qaphela, ukuba unika ulwazi olungelona nyaniso kwibhankini, ngoko kwiimeko ezinjalo unokwenqaba ukufumana imali yokuboleka imali.
Ukufumana imali yokubolekwa kwemali kwintsimi yaseRussia Federation minyaka yonke ikhula ngakumbi. Ngoku unokufumana imali mboleko kuyo nayiphi na indawo kwilizwe. Ngokomzekelo, e-Nizhny Novgorod, unokufumana i-mortgage ngaphandle kwesitolimende sokuqala kwiibhanki ezingamashumi amathathu, kwaye ibhanki ngalinye linamaprogram angama-8 ahlukeneyo okuboleka.
EMoscow, ngoku unokufumana imali mboleko kwi-mabhanki angama-48 anika abo baboleka ngemali engama-440, ngoko ke inkulu-mali unokufumana ibhanki ukuze ufumane i-mortgage, eya kuhambelana neemfuno zakho. Kwaye ukuze ufumane i-mortgage eSt. Petersburg ngaphandle kwendawo yokuqala, kufuneka ufake isicelo kwiibhanki ezineenkqubo zokusebenza zokubambisa imali, kuba iibhanki ezifanayo zibonelela malunga neeprogram zemboleko ezingama-300.
Ngaphambi kokuba usebenzise umboleko, kufuneka ucinge ngezinto zonke kakuhle, kwaye ucinge nokuba unokuhlawula iintlawulo zemboleko nganye ngenyanga. Kwiimeko apho ungeke uhlawule imali mboleko, kungcono ukuba ungangcongi nayiphi na indawo yokuthenga okanye yokuthenga indlu. Yaye khumbula into ebaluleke kakhulu, kulula ukuba uthathe umboleko wempahla, kodwa kufuneka uwubuyisele.