I-Mortgage isiza kakhulu ukukhuphula imali yokuthenga isikweletu kubhange. I-Mortgage isho ukuhlinzekwa ngemali kumboleki ukuthenga indlu noma enye into. Ukuze uthole imali yokuthenga impahla, ungakwazi ukuthenga izindlu hhayi kuphela izindlu, kodwa futhi nezinye impahla, njengezikebhe, umhlaba kanye nezimoto.
Indawo eyathengwa nge-mortgage ngokuzenzakalelayo iba yindawo yomhlali wezwe owakhipha imali. Ngaphambili ukuze uthole imali, kwakudingeka ukwenze okungenani imali eyodwa, kepha kamuva nje ungathola imali yokubolekisa ngaphandle kwemali ekhokhwayo.
E-Russian Federation, imali ebolekwa ngempahla ngokuvamile isetshenziselwa ukuthenga izindlu. Ngaphansi kwempahla eminingi, izindlu ezithengiwe zakhiwa, kodwa ungaphinde uthole isakhiwo sakho esivele sisekhona kakade.
ERussia, i-mortgage inezinsizakalo ezingeni lezwe, eliphinda yonke imithetho yokubolekwa kwempahla, futhi ine-ejensi ekhethekile yokuthenga imali.
Ukubaluleka kokwenza idiphozi yokuqala kungaba kusuka ku-0% ukuya ku-90% wamathuba okuthola indlu. Kodwa ikakhulukazi ngokubolekwa kwemali mboleko kubantu abanesidingo esincane noma esingekho semali sokutshalwa kwezimali okuqala, noma abantu abangenayo imali yazo zonke izinhlobo zemali.
Ngokuvamile, kunenqwaba yezinhlobo zemali mboleko yokubolekwa kwempahla, ngakho-ke umboleki ngamunye ukhetha imali yokubolekwa ngemali ngezindleko ezingaphansi kwediphozi noma ngisho nokungabi khona kwayo.
I-Mortgage ngaphandle kokukhokhwa kuqala kudingekile kakhulu kubantu abahlala eRussian Federation abafuna ukuthola indawo yabo yokuhlala. Kubakhokhi abanjalo amabhange athile ajabule ukunikeza mboleko nganoma iyiphi imali. Ngokuyinhloko, inani lemalimboleko lidwetshwa ngo-70% -80% yentengo yendawo yokuhlala.
Kodwa, naphezu kokunikwa okunjalo kwamabhange, inani lemali yokubolekwa kwemali lingaxhomeke ezintweni eziningi, isibonelo, njengesikhathi sokuboleka imali, futhi uhlelo lokubolekwa kwempahla luhlinzekwa ebhange osikhethile.
Futhi lolu hlobo lokubolekwa kwemali mboleko lufanelekile kubantu abavele benabo izindlu zabo, kodwa bafuna ukuthenga izindlu ezithengekayo nezindlu ezintsha. Futhi uma kunjalo uma ufuna ukuthatha isikweletu semali mboleko ngaphansi kwesakhiwo sakho sangempela, khona-ke udinga ukwazi ukuthi impahla yokubophezelwa kufanele ifakwe edolobheni elifanayo njengebhange elikhethwe ngemali mboleko.
Ukuze ubhalise imali yokukhokhela imali ngaphandle kokufaka idiphozi yokuqala, ungasebenzisa ngesikhathi esisodwa izinhlobo ezimbili. Imali yokuqala ongayikhipha ekuvikelekeni kwendawo yakho, ungafaka isicelo semali mboleko yesibili ukuze uvikele izindlu ozithengayo.
Ungafaka isicelo semali mboleko yokuqala ukuze wenze inkokhelo yokuqala. Cishe wonke amabhange akhipha izikweletu ngokuqondile akha uhlelo lokubolekwa kwempahla esikhungweni sabo, lokhu kwenziwa ukuze kube nemiphumela ephakeme yokuthola izikweletu ezimbili ngesikhathi esisodwa. Kodwa kubalulekile ukuqonda ukuthi uhlelo olunjalo lwezikweletu lunentshisekelo ephakeme kakhulu.
Uma ufuna ukulondoloza imali yakho, ngakho-ke kungcono ukuthi ubolekise ezikhungweni ezehlukene zezezimali.
Futhi, uhlobo oluvame kakhulu lwemali yokubolekwa kwemali mboleko kubhaliswa kwekhredithi ejwayelekile yabathengi. Ungasebenzisa lolu hlobo lokuboleka uma ungenalo ingcebo ngaphansi kokubambisana. Ukuze wenze inkokhelo yokuqala udinga ukuthatha imali kumboleko wakho wabathengi ngaphambilini, ongenawo umlingiswa ohlosiwe.
Uma ubolekisa, kufanele ucabange ezinye zezinkinga ezingase ziphakame ekuphethweni kokubolekwa kwemali mboleko.
- Lapho ibhange lizokunika isikweletu somthengi, khona-ke sizoqondiswa kuphela ngemali engenayo esemthethweni yomboleki wayo, ngamanye amazwi, uma inzuzo yakho ibhalwa.
- Ngokuvamile, imali yokubolekwa ngabathengi ikhishwa ngezikhathi ezimfushane kunezikweletu zemali, futhi kusukela kulokhu kungaphethelwa ukuthi le migomo ingathinta inani lemali ethathwe, kuyilapho lowo obolekayo engakwazi ukubolekisa ngemali encane kune-mortgage.
- Ibhange elidlulisela izimali zemali kumboleki lingabeka umkhawulo ekukhipheni kwemali mboleko. Uma uzothatha inani lemalimboleko yomthengi elidlula ama-ruble angu-300 000 - 500 000, bese kuleso simo, ibhange lingakucela ukuba ubophe impahla.
Lolu hlobo lwemali mboleko, kanye nabo bonke abanye, lungakhishwa nge-intanethi.
Ukuze wenze i-mortgage ungasebenzisa i-intanethi. Ukuze wenze lokhu, udinga ukuya kuwebhusayithi yebhange uphinde ukhiphe lemibuzo edingekayo yomboleki, lapho udinga ukunikeza ulwazi oluphelele noluthembekile. Ngemva kokukhipha umyalelo wokuthola imali nge-intanethi, amadokhumenti akho azohlolwa ngokucophelela ukuze aqiniseke ngokusemthethweni ngamakhasimende abo. Kodwa qaphela, uma uhlinzeka ngolwazi olungelona iqiniso ebhange, ngalesosikhathi ungase wenqabe ukwamukela imali.
Ukuthola imali yokubolekwa kwemali engenayo emkhakheni weRussian Federation unyaka ngamunye uthuthukiswa kakhulu. Manje ungathola imali enjalo kunoma iyiphi indawo ezweni. Isibonelo, eNizhny Novgorod, ungathola imali engenayo ngaphandle kokufaka isamba sokuqala emabhange amathathu, kanti ibhange ngalinye linamaphesenti ayisishiyagalombili ahlukene okubolekisa.
EMoscow, manje ungathola imali yokubolekwa kwemali emabhange angu-48 anikeze ababolekayo ngezinhlelo zemali mboleko eziyi-440, ngakho-ke enhloko-dolobha ungathola ibhange ukuze uthole imali yokuboleka imali, okuzohambisana nezidingo zakho. Futhi ukuze uthole imali yaseSt. Petersburg ngaphandle kokuqala, kufanele usebenzise amabhange anesimiso sokusebenza kwempahla, ngoba amabhange afanayo anikezela ngezinhlelo zemalimboleko ezingaba ngu-300.
Ngaphambi kokusebenzisa le mboleko, kudingeka ucabange ngakho konke kahle, futhi ucabange ukuthi ungayikhokha izinkokhelo zokubolekwa kwemali njalo ngenyanga. Ezimweni lapho ungakwazi ukukhokha imali mboleko, kungcono ukuthi ungalimazi noma yikuphi indawo yokuthenga noma yokuthenga. Futhi khumbula into ebaluleke kakhulu, kulula kakhulu ukuthatha i-mortgage, kodwa usadingeka ukuyibuyisela.