Imali mboleko ngaphandle kokukhokha phansi - izinketho eziqinisekisiwe zokuthi ungawathatha kanjani amabhange we-2020 + TOP-5 anikezela ngempahla ngaphandle kokukhokha
Usuku oluhle, bafundi abathandekayo be-Ideas for Life umagazini wezezimali! Namuhla silokhu sixoxa mayelana nokubolekwa kwempahla futhi ake sikhulume ngemali mboleko ngaphandle kokukhokha phansi: ungayithatha kanjani ngo-2020 nokuthi yimaphi amabhange akulungele ukukhipha imalimboleko yezindlu ngaphandle kokukhokha phansi.
Ngendlela, ubonile ukuthi idola selivele lingakanani? Qala ukwenza imali ngomehluko wamanani wokushintshana lapha!
Kulesi sihloko uzofunda:
- Iyini imali ekhokhwayo ekhokhelwa imali mboleko futhi iya kuphi;
- Yiziphi izici zezimali zemali mboleko zokukhokha eziphansi;
- Yiziphi izindlela ezikhona zokuthola imali yokubambisa uma ingekho imali yokukhokha kokuqala;
- Yiliphi ibhange engingathatha ngalo imali ebanjiswayo ngaphandle kokukhokha phansi;
- Ngubani ozosiza ekutholeni imali mboleko yekhaya.
Ekupheleni kokushicilelwa, uzothola izimpendulo mayelana nokubolekwa kwemali ngaphandle kwemali ekhokhwayo iningi lalabo abafaka izicelo zemalimboleko enjalo abanalo.
I-athikili izoba nentshisekelo kunoma ngubani onentshisekelo yokubolekwa kwemali mboleko. Sikukwazisa ukuthi unake ngokukhethekile ukushicilelwa okwethulwe kulabo abafuna ukuthola imali mboleko yokuthenga amakhaya abo, kepha bengenayo imali eyanele yokwenza inkokhelo yokuqala.
Njengoba besho, isikhathi siyimali! Ngakho-ke ungachithi umzuzu, qala ukufunda njengamanje!
Ngale ndlela, izinkampani ezilandelayo zinikela ngezimo ezinhle kakhulu zemalimboleko:
| Isikhundla | Qhathanisa | Isikhathi sokuthatha | Inani eliphakeme | Inani eliphansi | Ubudala ukulinganiselwa | Izinsuku ezingenzeka |
|---|---|---|---|---|---|---|
| 1 | Isitoko | 3 imiz. | Hlikihla ama-30,000 Hlola! | Hlikihla i-100 | 18-65 | Izinsuku eziyi-7-21 |
| 2 | Isitoko | 3 imiz. | Hlikihla ama-70,000 Hlola! | Hlikihla i-2,000 | 21-70 | Izinsuku eziyi-10-168 |
| 3 | 1 iminithi. | Hlikihla ama-80,000 Hlola! | Hlikihla i-1,500 | 18-75 | Izinsuku 5-126. | |
| 4 | Isitoko | 4 imizuzu | Hlikihla ama-30,000 Hlola! | Hlikihla i-2,000 | 18-75 | Izinsuku 7-30 |
| 5 | Isitoko | - | Hlikihla ama-70,000 Hlola! | Hlikihla i-4,000 | 18-65 | Izinsuku ezingama-24-140. |
| 6 | 5 imizuzu. | Hlikihla i-15,000 Hlola! | Hlikihla i-2,000 | 20-65 | Izinsuku 5-30 |
Manje ake sibuyele esihlokweni sendatshana yethu bese siqhubeka.
Ngale ndlela, izinkampani ezilandelayo zinikela ngezimo ezinhle kakhulu zemalimboleko:
| Isikhundla | Qhathanisa | Isikhathi sokuthatha | Inani eliphakeme | Inani eliphansi | Ubudala ukulinganiselwa | Izinsuku ezingenzeka |
|---|---|---|---|---|---|---|
| 1 | 3 imiz. | Hlikihla ama-30,000 Hlola! | Hlikihla i-100 | 18-65 | Izinsuku eziyi-7-21 | |
| 2 | 3 imiz. | Hlikihla ama-70,000 Hlola! | Hlikihla i-2,000 | 21-70 | Izinsuku eziyi-10-168 | |
| 3 | 1 iminithi. | Hlikihla ama-80,000 Hlola! | Hlikihla i-1,500 | 18-75 | Izinsuku 5-126. | |
| 4 | 4 imizuzu | Hlikihla ama-30,000 Hlola! | Hlikihla i-2,000 | 18-75 | Izinsuku 7-30 | |
| 5 | 5 imizuzu. | Hlikihla i-15,000 Hlola! | Hlikihla i-2,000 | 20-65 | Izinsuku 5-30 |
Manje ake sibuyele esihlokweni sendatshana yethu bese siqhubeka.
Ungayithatha kanjani imali ebolekiwe ngaphandle kokukhokha phansi: yiziphi izindlela ezithandwa kakhulu nokuthi yiliphi ibhange ongathola kulo isibambiso ngaphandle kokukhokha phansi - funda kulo magazini
1. Iyini imali ekhokhwayo ekhokhelwa isikweletu sendlu futhi yenzelwa ini 💰 🏠
Inkokhelo yokubambisa lapho kubhaliswa imali ebolekwayo, babiza ingxenye yezindleko zempahla etholiwe, okufanele lowo obolekayo abe nayo ukuze athole imali mboleko ebhange.
Ngokuya ngohlelo olukhethiwe lokubolekwa kwemali, imali oyikhokhayo kungenzeka ingabi bikho ngokuphelele, noma ingafinyelela 90% wentengo yokuthenga ye-real estate.
Ngokwesiko, imithombo yomnikelo wokuqala ingaba:
- ukonga imali;
- isikweletu sabathengi;
- impahla etholakalayo ezothengiswa.
Ababolekisi kufanele bazi ukuthi uma kukhona imali ekhokhwayo eyeqile kweqile kwe- 70% wezindleko zefulethi elithengiwe, uhlelo lokushintshwa kwempahla lungasiza isikweletu sabathengi.
Le ndlela ngeke nje yenze lula inqubo yokuthola imali mboleko, kepha izokwehlisa nezinga lezindleko ezidingekayo. Lokhu kungenxa yokuthi ekubolekiseni abathengi engekhoikhomishini futhi izinkokhelo zomshuwalenseokubanjelwe imali ebanjwayo.
Kodwa-ke, uhlelo oluchazwe ngenhla alulungele wonke umuntu, ngoba imvamisa isinqumo sokuthola isibambiso sithathwa yizakhamizi ezinenani elincane kakhulu njengembuyiselo.
Namuhla amabhange akuvumela ukuthi uthole isibambiso ngomnikelo omncane kakhulu futhi ungabikho ngokuphelele.
Kepha kufanele kukhunjulwe ukuthi lapho kubalwa inani lemalimboleko elikhona, ibhange libheka izindleko zefulethi, elizosungulwa ngesikhathi kuhlaziywa impahla umhlaziyi.
Uma umthengisi esethe intengo yefulethi ephakeme kunaleyo elinganisiwe, khona-ke inani eliphansi lokukhokha cishe alanele. Ibhange lizobala inani eliphakeme kakhulu lemalimboleko elincike enanini elihloliwe.
Umehluko phakathi kosayizi wesibambiso semali oyitholile ngesikhathi sezibalo kanye nentengo yemakethe yefulethi uthwalwa ngokugcwele ngumboleki futhi kufanele ukhokhwe njengenkokhelo yokuqala. Ungabala izinkokhelo usebenzisa umshini wokubala wempahla yethu.
2. Izici zempahla engabanjiswa ngaphandle kokukhokha phansi 🗒
Ukubolekwa kwemali okungekho mali ekhokhwayo kuyingozi kuzo zombili izikhungo ezibolekisayo kanye nomboleki.
Ngaphambi 2008 konyaka Izinhlelo zokubambisa ngempahla ezingadingi ukonga zazisabalele kulo lonke elaseRussia. Ngaleso sikhathi, amanani entengo yempahla ayekhula ngokushesha okukhulu kunalokho okwakungenzeka ukuthi kutholakale inani elanele lokukhokha phansi.
Kodwa-ke, i- Inkinga yezomnotho kwaholela eqinisweni lokuthi amabhange amaningi kwakudingeka alahle izinhlelo zokubolekwa kwempahla ngaphandle kokukhokha phansi. Ngaphezu kwalokho, lokhu kwenzeke yize bekunamazinga aphezulu ezinhlelo ezinjalo.
Kodwa-ke, lapho kubhaliswa imali ebanjiswayo ngaphandle kokukhokha phansi, kunezingozi ezinkulu hhayi kuphela zesikhungo sezezikweletu, kodwa nesalowo obolekayo uqobo.
Uma solvency okweletayo nganoma yisiphi isizathu izokwehla, ngemuva kokuthengiswa kwefulethi, cishe ngeke athole lutho. Lokhu kungenxa yokuthi eminyakeni yokuqala ukukhokha okuningi kuyokhokha inzalo. Ngasikhathi sinye, inani lesikweletu aliguquki.
Uma inani lefulethi lehla kusukela ngosuku lokuthenga, kunethuba lokuthi obolekayo uzohlala akweleta ibhange noma ngemuva kokudayiswa kwempahla ebanjiswayo.
Ababoleki abaningi bakholelwa ukuthi imali ebolekiwe iyindlela enhle kubo, ezobavumela ukuthi bathathe indawo yerenti ngokukhokhela indlu yabo.
Kulokhu, kufanele kunakwe lezi zimo ezilandelayo:
- imvamisa ukukhokhwa kwemali mboleko yanyanga zonke kuphakama kakhulu kunentela;
- kungadinga okungenani ukonga okuncane ngesikhathi lapho sekudingekile ukukhokhela imali yokubambisa, kepha intela ayikhanselwa okwamanje (isib, ifulethi belingakahlobiswa, ukulungiswa kuyaqhubeka nezinye izizathu).
Umbuso wenza yonke imizamo yokwenza ukuthi imali ebanjwayo ibize kakhulu. Ngakho-ke, ukubolekwa kokuthengwa kwezindlu ngemali encane ekhokhwayo kuyathuthuka.
Namuhla I-AHML(I-Ejensi Yokubolekwa Kwempahla Yezindlu), Izigaba zazo ezivulekile ezifundeni eziningi zaseRussia, zinikela ngezinhlelo zokubolekwa kwemali ngemali ekhokhelwa phansi 10%.
Kepha kufanele kukhunjulwe ukuthi izimo ezinjalo zinikeza ukuqedwa kwezinkontileka zomshwalense ezingeziwe... Ngokwemvelo, lokhu kwandisa inani lokukhokha ngokweqile kokugcina.
Amabhange amaningi awayemukeli imali ebolekwa ngaphandle kokukhokhelwa phansi, ngoba ukungalondolozwa kwemali kungakhombisa imali engenayo ephansi, kanye nokuziphatha okuhleleke kahle ngokwezezimali.
Ochwepheshe bayeluleka ababoleki besikhathi esizayo bahlola ubuqiniso bokukhokhelwa kwempahla ebanjiswayo. Kulokhu, kwanele isikhathi eside (okungenani izinyanga eziyisithupha) ukubeka eceleni kwi-akhawunti yasebhange ehlukile inani lemali enanini lenkokhelo yemalimboleko ehleliwe.
Uma kungekho zinkinga ngalokhu, futhi izimali ezisele zanele ukuze uphile, ungafaka isicelo ngokuphepha semalimboleko yempahla ebanjiswayo. Kulokhu, izimali eziqoqiwe zingasetshenziswa njenge imali yokuqala noma kanjani imali ebekiwe uma kuba nezinkinga.
Kungaba nzima ukuthola uhlelo lokuthenga ngempahla ngaphandle kokukhokha phansi. Ngakho-ke, labo abangenayo indlela yokuyikhokhela banenye indlela yokuthola imali yokubambisa - thola imali yesitolimende sokuqala ngokusebenzisa isikweletu sabathengi... Sesivele sichaze ukuthi ungayikhipha kanjani imalimboleko yabathengi kwenye yama-athikili adlule.
Kulokhu, kufanele kukhunjulwe ukuthi isilinganiso semalimboleko enjalo siphakeme kakhulu. Kepha kuzokwazi futhi ukuyikhokha ngesikhathi esifushane kakhulu.
Okwalabo abakhetha le ndlela yokuthola imali ebanjiswayo, kufanele kukhunjulweukuthi eminyakeni yokuqala ukukhokha kuzoba ngaphezulu kakhulu, ngoba izimalimboleko ezimbili kuzofanele zikhokhwe ngasikhathi sinye. Kungakho udinga ukuthi uhlole ngokucophelela amakhono akho ezezimali.
Izinketho ezidumile zokuthola isibambiso ngaphandle kokukhokha phansi
3. Ungayithola kanjani imali ebolekiwe ngaphandle kokukhokha phansi - Izinketho zokwakhiwa kwe-TOP-7 📝
Inkinga yezomnotho iholele ekwehleni kokuthandwa kokubolekwa kwemali mboleko eRussia nasemazweni ase-USSR yangaphambili. Izibalo zikhombisa ukwehla okukhulu kwesidingo semali mboleko eminyakeni emibili edlule sekusondele 20%.
Ochwepheshe basikiselaukuthi ngokungabikho kwezinguquko esimweni somnotho eRussia, ukwehla kokubolekwa kwemali mboleko kuzoqhubeka. Ezimweni ezinjalo, izikhungo ezikweletisa imali ziyaphoqeleka ukuthi ziphathe ngokuthembeka labo abangaboleka imali, futhi zenze nezinhlelo eziheha kakhulu zemalimboleko.
Ngasikhathi sinye, amabhange awanamandla okwehlisa izinga liye ezingeni 10%. Ngokwesimo sokwehla kwamandla emali njengamanje, lokhu kuzoholela ekubolekisweni kwemali mboleko engenzi nzuzo.
Esimeni esibucayi, izinhlangano ezikweleta abantu abakwamukeli ukukhishwa kwempahla ebanjwayo ngaphandle kokukhokha. Noma kunjalo, kunezindlela eziningana ezivumela obolekayo ukuthi athole imalimboleko yempahla ngaphandle kokonga okwanele. Sabhala phambilini mayelana nokuthi ungasithatha kanjani isibambiso sendlu yokuhlala noma enye indlu.
Izindlela eziyinhloko zokuthola imali mboleko ngaphandle kokukhokha phansi
Inketho 1. Izinhlelo ezikhethiwe zokubolekwa kwemali
Ngezigaba ezingavikelekile zezakhamizi umbuso ususungule izinhlelo eziningi ezihlose ukusiza ekwenzeni ngcono izimo zezindlu. Ungathola ukuthi yiziphi izinhlelo ezikhona namuhla lapho umfakisicelo ahlala khona iziphathimandla zendawo.
Imvamisa, izinzuzo zinikezwa abasebenzi bezempi, imindeni emisha, futhi othisha abasebasha... Imali ebanjiswayo yesigaba sokuqala yehlukile kuhlelo lokuqalisa, ngakho-ke sizoyicubungula ngokuhlukile.
Imali mboleko yomphakathi ingasetshenziswa yizakhamizi ezineminyaka yobudala ayidluli 35 iminyaka... Ukubamba iqhaza kulolu hlelo, udinga ukuxhumana neziphathimandla zendawo ukuqinisekisa isidingo sokwenza ngcono izimo zezindlu.
Uma kunesinqumo esihle sokubamba iqhaza kuphrojekthi, umfakisicelo uzobekwa kulayini azowuthola isitifiketi sezindlu... Ngemuva kokunikezwa kosizo, kunezindlela ezimbalwa zokulisebenzisa. Okuthandwa kakhulu ukuhambisa izimali zomxhaso ukukhokha imali ekhokhwayo.
Sicela wazi ukuthi imvamisa inani leminikelo ayidluli 10% wezindleko zezindlu. Ngakho-ke, amabhange, enza izinhlelo zokubambisa ngempahla ngokuxhaswa nguhulumeni, asetha izinkokhelo zokuqala kuleli zinga.
Kunesimo esisodwa esibaluleke kakhulu - isikhathi esilinganiselwe sesitifiketi sezindlu... Kubhala Izinyanga eziyi-6, kungalesi sikhathi lapho kufanele ukhethe ibhange, uthole izindlu ezifanele futhi uqedele okwenziwayo kuze kube sekugcineni.
Kubalulekile ukukhumbula ukuthi kuphela lawo mabhange angabalingani abanelungelo lokusebenza nemali mboleko yomphakathi. I-AHML.
Inketho 2. Imali ebanjiswayo yezempi
Le nketho ilungele labo abathathe isinqumo sokuthola imali ebanjiswayo ngaphandle kwezimali zokwenza imali ekhokhwayo. Kepha le ndlela itholakala kuphela kubasebenzi bezempi.
Ukuthola imali mboleko yezempi, kunezinyathelo ezimbalwa ongazenza:
- Yiba yilungu lohlelo lokonga nokubambisa;
- Ngaphesheya 3 iminyaka kusuka osukwini lokubhaliswa kuhlelo, thumela isicelo kuRosvoenipoteka;
- Lapho uthola imvume yokubolekwa kwemali esinyathelweni esedlule, thola ibhange elisebenza ngokubambisa ngempi;
- Khetha indawo yokuhlala efanelekile, engatholwa kunoma yisiphi isifunda sezwe;
- Sayina amadokhumenti afanele futhi ube ngumnikazi wefulethi noma indlu.
Ubuhle bemali mboleko yezempi ukuthi ababambiqhaza bohlelo UMnyango Wezokuvikela weRussian Federation kunikela hhayi kuphela imali yokuqalakodwa futhi okulandelayo izinkokhelo zanyanga zonke.
Kepha kunemikhawulo:
- ilungelo loxhaso lisebenza ngokukhombisa ukwenziwa kwemisebenzi esemthethweni ngenxa kanembeza;
- inani eliphakeme loxhaso oluthi 2,2 ama-ruble ayisigidi.
Kufanele kukhunjulwe futhi ukuthi kuze kube yilapho sekukhokhelwe ngokuphelele imali mboleko yendlu, izindlu zizobanjwa isibambiso esiphindwe kabili - kusuka ebhange nakuhulumeni.
Lokhu kusho ukuthi ungayilahla impahla ngokubona kwakho (isib, thengisa noma unikele) isosha lizohluleka.
Inketho 3. Imali mboleko enemali eyinhloko yomzali
Inhlokodolobha yomama kungenye yezindlela zokuthola usizo kuhulumeni. Umxhaso unikezwa imindeni enengane.
Kusetshenziswa izimali ezinkulu zokubeletha njengokukhokha kwemali mboleko yempahla ebanjiswayo
Enye yezinkomba zokusebenzisa imixhaso yile inkokhelo yokuqala lapho ufaka isicelo semalimboleko yempahla ebanjiswayo.
Namuhla ubukhulu bemali yokubeletha ngu Izinkulungwane ezingama-616 617 ruble (kwengane yesibili) kanye nama-ruble ayizinkulungwane ezingama-466 617 (ngokuzalwa kowokuqala). Ngokwesilinganiso, leli nani likuvumela ukuthi umboze ngalo 25% wezindleko zezindlu. Ngakho-ke, imali yokubeletha ivame ukwanela ukukhokha isitolimende sokuqala.
Isimo esibalulekile ukuthi lapho ubhalisa imali ebanjisiwe, ungasebenzisa imali yomzali ngemva nje kokuzalwa kwengane (ngokungafani namanye amacala wokusebenzisa lapho kudingeka ukulinda 3 konyaka).
Ngaphambi kokuba umxhaso udluliselwe esikhungweni sezikweletu, umfakisicelo uzodinga thola imvume esikhwameni sempesheniekhishwa ngaphambi 2 izinyanga.
Unalokhu engqondweni, i-algorithm yezenzo zomboleki izobukeka kanjena:
- Sesha unjiniyela noma umnikazi wefulethi eliqediweabavuma ukuthengisa izindlu nomhlaba besebenzisa imali yokubeletha;
- Ukuthola imvume esikhwameni sempesheni ukusebenzisa imali yokubeletha ukuthenga izindlu;
- Sesha inhlangano yezikweletu futhi, ngokufanele, ukhetho lohlelo lokubolekwa kwemalilapho ungathola khona imalimboleko yokuthenga ikhaya usebenzisa imali yokubeletha njengenkokhelo ephansi;
- Ukufaka isicelo sesibambiso;
- Uma kunesinqumo esivumayo, ukusayinwa kwezivumelwano, okwenza isitolimende sokuqala ngesitifiketi sombuso, ukubhaliswa kwezindlu kubunikazi ngokufakwa kwezikhalazo.
Ngendlela, labo asebevele benesibambiso banelungelo lokuthumela imali yokubeletha ukukhokha isikweletu esiyinhloko ngaphansi kwesivumelwano.
Inketho 4. Ukukhushulwa kokumaketha
Namuhla, amabhange amaningi athuthuka ahlukahlukene amasheya ebambiso, kufaka phakathi ukubhaliswa kwayo ngokukhokha okungekho zero... Imvamisa, ukukhushulwa okunjalo kubanjwa ngokuhlanganyela nabathuthukisi abafuna ukwandisa ukuthengisa.
Le nketho ayinakubizwa ngokuthi inokwethenjelwa ngokwanele. Kuzofanele ulinde isikhathi eside ukuze kwethulwe iphromoshini. Ngaphezu kwalokho, ukukhethwa kwe-real estate yalezi zinhlelo kukhawulelwe ngokwesiko.
Inketho 5. Izimali ezibolekwa ngemali zivikelwe yimpahla ekhona ekhona
Enye indlela yokuthola imali ebanjiswayo uma ingekho imali yesitolimende sokuqala yile sebenzisa ingcebo ephethwe esikhundleni.
Amabhange amaningi akwenzela kalula, ngoba uhlelo olunjalo luyabasiza. Kubabolekisi, le nketho igcwele izingozi ezinkulu.
Kunemibandela eminingi yezindlu nomhlaba ehlelelwe ukwethembiswa:
- ithuba lokusebenzisa ukuze uphile;
- ukweqisa okuphezulu kwempahla;
- ukuba sendaweni echazwe yibhange.
Kufanele kukhunjulwe ukuthi inani lemalimboleko evikelwe yimpahla yangempela alidluli 70% wenani langempela lesakhiwo.
Inketho 6. Ukuphepha okungeziwe
Njengokuphepha okungeziwe, okuzongena esikhundleni sokukhokha kokuqala, kungahle kube khona isibambiso sanoma yiziphi izinto eziyigugu.
Kungaba yi-real estate kuphela, kepha futhi nezimpahla ezilandelayo:
- imoto;
- isakhiwo somhlaba;
- izinsimbi eziyigugu;
- ukuphepha.
Njengesibambiso, izikhungo zezikweletu zivame ukwamukela utshalomali olunenzuzo kakhulu... Ochwepheshe bamabhange bakulungele ukutshala imali, ngakho-ke akunakwenzeka ukuthi bavume ukwamukela izimpahla ezingabazisayo.
Option 7. Ukuthola imali ekhokhwa phansi ngemali mboleko yomthengi
Izinketho zangaphambilini azitholakali kuwo wonke umuntu. Izakhamizi eziningi azinazo izimpahla ezibizayo, azinalungelo lokuxhaswa nguhulumeni.
Kulokhu, abanye banquma uku ukucutshungulwa kwemali mboleko yabathengiokuthunyelwa kamuva kulo ukukhokhwa kwemali ekhokhwa phansi... Kwesinye isikhathi izikhungo zezikweletu zinikela nangezinhlelo ezikhethekile. Ku-athikili ehlukile, sesivele sibhale ukuthi ungayiboleka kanjani futhi kuphi imali ngaphandle kokwenqaba.
Ochwepheshe batusa ukusebenzisa le nketho njengesinyathelo sokugcina. Ungakhohlwa ukuthi umthwalo kusabelomali somndeni uwukuthi kuzokhula kakhulu.
Kulokhu, okokuqala udinga ukufaka isicelo semali mboleko, bese ufaka isicelo semalimboleko yabathengi kuphela ngemuva ukuvunywa kwakhe. Sesivele sikhulume ngokuthi singasitholaphi isikweletu ngaphandle kokwenqaba ku-athikili eyedlule.
Izibalo zikhombisa ukuthi iningi lezinkinga ngokukhokha imali ebolekisiwe zixhunywe ngqo nesidingo sokukhokha imali mboleko eminingana ngasikhathi sinye.
Ngakho-ke, noma ingekho imali yokwenza isitolimende sokuqala, kunethuba lokuthola isibambiso. Kubalulekile ukuhlola wonke amathuba akhona bese ukhetha kahle.
Sibutsetelo samabhange lapho ungathatha khona imali mboleko ngaphandle kokukhokha phansi
4. Yimaphi amabhange anikela ngempahla ebolekiswayo ngaphandle kokukhokha ngentela - amabhange we-TOP-5 anezimo ezinhle 🏦
Emzabalazweni wamakhasimende, amabhange amaningi aya ngokuthuthuka izimo zokubolekwa kwempahla ezibandakanya ukungabikho inkokhelo yokubambisa... Kodwa-ke, akuzona zonke izinhlelo ezingathathwa njengezizuzisa kubaboleki.
Ukuqonda ukuthi iziphi izimo ezinenzuzo enkulu, kuzodingeka ungafundi kuphela, kepha futhi uqhathanisa nezinhlelo zamabhange ahlukene. Kungokwemvelo ukuthi amanani enzalo amahle kakhulu angatholakala ezikhungweni ezinkulu zezikweletu ezweni.
Ithebula elingezansi likhombisa amazinga wenzalo koku-5 okuphezulu kubo:
| № | Inhlangano yezikweletu | Uhlelo | Linganisa (ngo-% ngonyaka) |
| 1. | I-Alfa Bank | Imali mboleko ivikelwe yindawo yokuhlala yangempela | 12,3 |
| 2. | I-Sberbank | Ukubolekiswa kwempahla enemali eyinhloko yomzali | 12,5 |
| 3. | I-VTB 24 | Imali ebanjiswayo yezempi | 13,0 |
| 4. | Isikweletu seDelta | Imalimboleko yomuntu siqu yesitolimende sokuqala sempahla ebanjiswayo | 15,0 |
| 5. | Zapsibkombank | Imalimboleko yempahla ebanjiswayo ngaphandle kokukhokha phansi | 16,0 |
5. Siza ama-broker ekutholeni imalimboleko yempahla engabanjwanga down
Ukuthola uhlelo oluhle kakhulu lokubolekwa kwemali kungaba yinkinga. Kunenani elikhulu lokunikezwa emakethe namuhla, okungafanele kube kuphela hlaziya, kodwa futhi qhathanisa.
Ubunzima bokukhetha uhlelo lokubolekwa kwemali buba bukhulu kakhulu uma obolekayo engenayo imali yokwenza isitolimende sokuqala, kanye nelungelo lokuthola uxhaso lukahulumeni.
Ukwenza lula inqubo yokusesha, kanye nokonga isikhathi sokuqaliswa kwayo, siza ababambisene ngempahla... Laba ngochwepheshe abazi kahle zonke izinselele zemikhiqizo yesikweletu esebenza emakethe.
Kungokwemvelo ukuthi abathengisi bathathe umsebenzi wabo ikhomishini... Kepha unikezwe iqiniso lokuthi bavame ukufeza izimo ezithandeka kakhulu kwiklayenti, obolekayo ekugcineni uyanqoba.
Emadolobheni amakhulu, kuvame ukuba khona abambalwa izinkampani zabarhwebi... Ezindaweni ezincane, ochwepheshe bavame ukusebenza ngesisekelo se- abenzeli bezindlu.
Kubalulekile ukukhetha ama-broker anedumela elihle kakhulu.
Enhlokodolobha, abaholi emakethe yemalimboleko ebolekayo yilawa:
1) Izimali Zasebukhosini
Abasebenzi balo broker banolwazi oluningi lomsebenzi ezikhungweni ezahlukahlukene zezikweletu.
Ngakho-ke, bazazi kahle zonke izingqinamba zempahla ebanjiswayo.
2) Isikweletu se-LK
Ngaphandle kokuthi inkampani intsha emakethe yezentengiselwano, isivele ikwazile ukuzuza ukubongwa kwenani elikhulu lamakhasimende, kanye nedumela elihle.
Azidingi ukukhokhelwa kusengaphambili, futhi wonke amakhomishini akhokhiswa kuphela ngokuya ngenkontileka.
3) I-laboratory yezikweletu
Abasebenzi benkampani banokuhlangenwe nakho okuningi okuzuzile eminyakeni eminingi yomsebenzi othelayo.
Lokhu kusiza ukulungiselela umboleki ngezicelo ezingavamile kakhulu ezivela emabhange.
Ngakho-ke, inani elikhulu labathengisi bemali mboleko lisebenza eRussia. Lapho ukhetha ukuthi ngubani ozobambisana naye, into esemqoka ukungafiki kubakhwabanisi.
Isici esiyinhloko esibahlukanisa nabasizi abanonembeza isidingo sokukhokha ikhomishini ngaphambi kokuthi kwenziwe noma yini.
6.Imibuzo Ebuzwa Njalo (FAQ) 🔔
Ukuthola isikweletu semali mboleko akuyona into elula. Kuba nzima kakhulu uma imali ingatholakali ukwenza isitolimende sokuqala.
Kungokwemvelo ukuthi le nqubo iphakamisa imibuzo eminingi. Sizozama ukunikeza izimpendulo ezithandwa kakhulu kuzo.
Umbuzo 1. Ngingayithatha yini imali yokubolekwa kwemali ngaphandle kwemali yokukhokha kanye nesibambiso sempahla?
Ukuze ibhange livume ngokubambisa ngempahla, kuzodingeka eyodwa yalemibandela elandelayo:
- ukutholakala kwesiqinisekiso esithembekile;
- kufanelekile ukuthola uxhaso lukahulumeni;
- ukutholakala kwempahla ebalulekile enamazinga aphezulu ngokwanele okuba yimali.
Kulezi zimo kuphela lapho kungatholakala khona izinhlelo ezihlinzeka ngokungabikho kwemali ekhokhwayo.
Abanye abafaka izicelo zokubolekwa imali ngobunono bakholelwa ukuthi isibambiso sezindlu abazitholile sanele ukuthola imvume kulesi sicelo. Kepha lokhu kuyimpande akulona iqiniso.
Ukuhlangana efulethini kuyinto edingekayo ekubolekisweni kwempahla ebanjiswayo futhi ayikwazi ukukhansela isidingo sokwenza imali ekhokhwayo. Kuvela ukuthi isibambiso sikhishwa nakanjani.
Umbuzo 2. Kungenzeka yini ukuthi kutholakale isikweletu semali esivela kubanjiniyela ngaphandle kokukhokha?
Abathuthukisi balwa ngawo wonke amandla abo ngomthengi ngamunye.
Ukusheshisa ukuthengiswa kwamafulethi ezakhiweni ezakhiwayo (izakhiwo ezintsha), izinkampani zokwakha zivame ukuphetha izivumelwano nezinhlangano zamabhangeezinikezela ngezinhlelo ezahlukahlukene ezihlukile ukuheha ababolekayo. Ngaphezu kwalokho, kwezinye izimo, ungathola imali mboleko ngqo kusuka kunjiniyela.
Esimweni sokuqala, imali mboleko iyakhishwa ngebhange... Ngasikhathi sinye, izinzuzo eziningi zingahlukaniswa ngokuqhathaniswa nesimo lapho kungekho zivumelwano nonjiniyela.
Ake sizibhale:
- izimo ezengeziwe zokuboleka imali;
- imvamisa, abasebenzi bonjiniyela benza ukubonisana, basize ukuqoqa iphakethe lamadokhumenti, abathi bona ngokwabo badlulisele ebhange;
- kusheshiswe ukucubungula isicelo;
- amathuba aphezulu esinqumo esihle.
Isici senketho yesibili ukuthi awudingi ukuya ebhange... Isivumelwano semalimboleko sizophothulwa ngqo nenkampani yokwakha.
Le nketho inezinzuzo ezibalulekile:
- awudingi ukuletha amadokhumende emholweni;
- ukwehluleka akunakwenzeka;
- asikho isidingo sokuthatha umshwalense.
Kepha kukhona okubalulekile khipha - isikhathi sesivumelwano ngokuvamile asidluli 1 konyaka. Ezimweni ezingavamile kakhulu, onjiniyela bayavuma ukuyikhiphela 2-3 konyaka.
Kuvela ukuthi le nketho izitolimende ezijwayelekile.
Funda mayelana nokuthi ungathenga kanjani ifulethi esakhiweni esisha konjiniyela kwesinye sezindatshana zethu.
Umbuzo 3. Ngabe kufanelekile ukuthatha isikweletu semali mboleko ekhaya lesibili elinomnikelo onguziro futhi ngabe kukhona inzuzo?
Abaningi abaphupha ngokuthenga amakhaya abo abanayo imali yokwenza isitolimende sokuqala. Kulezi zimo imali ebanjiswayo ngaphandle kwezinkokhelo zokuqala kungaba yisixazululo kuphela. Kepha into enhle kakhulu ukuzama ukuthola ithuba lokwenza okungenani inani elithile njengenkokhelo ephansi.
Iqiniso ngukuthi ekungabekeni kwalo ngokuphelele, isilinganiso ngokwesiko ubuncane obuphakeme nge 3%... Njengoba kunikezwe imigomo emide namanani wempahla ebanjiswayo, ukukhokhwa ngokweqile kungaba kukhulu kakhulu.
Inani lemalimboleko lapho wenza isitolimende sokuqala lizobaluleka Ngaphansi... Lokhu kuholela ekwehleni hhayi kuphela ekukhokheni ngokweqile, kodwa futhi ngosayizi wenkokhelo yanyanga zonke.
Noma kunjalo Ochwepheshe batusa hlaziya ngokucophelela zonke izinhlelo ezingenzeka.
Imvamisa, ngemuva kokwenza izibalo ezilula, ababoleki besikhathi esizayo ngokuzimela banquma ukushiya imali mboleko ngaphandle kokukhokha phansi. Esikhundleni salokho, bonga imali iminyaka eminingana baze banqwabelene inani lokukhokha lokuqala.
Ukubala izinkokhelo zempahla ebanjiswayo, sebenzisa umshini wokubala:
Uma lingekho ithuba lokulinda umzuzu lapho imali yesitolimende sokuqala izoqoqwa, kusazodingeka usebenzise izinhlelo ngaphandle kwawo.
Kwabaningi, imali ebanjiswayo engakhokhelwa phansi iba ithuba elilodwa lokuhlala emafulethini abo. Kungaba nzima ukuyikhipha, ikakhulukazi ezimweni lapho lingekho ilungelo lokusizwa kuhulumeni.
Noma kunjalo, akukho okungenakwenzeka... Into esemqoka ukungalilahli ithemba nokuhlaziya ngokucophelela konke okunikezwayo emakethe.
💎 Ekuphetheni, sikukwazisa ukuthi ubuke ividiyo esihlokweni sesibambiso ngaphandle kokukhokha phansi:
Iqembu lomagazini abaku-inthanethi i-Ideas for Life lifisela abafundi balo ukuthi bathole imalimboleko yokubambisa ngempahla enenzuzo enkulu futhi lithemba ukuthi lizokwazi ukuyikhokha ngokushesha futhi ngaphandle kwezinkinga.
Uma usenemibuzo ngalesi sihloko, bese ubabuza kumazwana angezansi. Sizobonga futhi uma ulinganisa i-athikili yethu bese uyabelana ngayo ekuxhumaneni nomphakathi nabangane bakho. Kuze kube yisikhathi esilandelayo!