Ungayithola kanjani imalimboleko evikelwe yifulethi - izigaba ezi-5 zamabhange wemalimboleko + anemibandela evumayo yokuboleka

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Sawubona, bafundi abathandekayo bemagazini ye-Ideas for Life! Namuhla sizokhuluma ngemalimboleko kanye nemalimboleko evikelwe yifulethi: ungayithola kanjani imalimboleko yasebhange evikelekile ngezindlu ezikhona nokuthi ungathola kuphi imali mboleko ngaphandle kobufakazi bemali oyitholayo.

Ngendlela, ubonile ukuthi idola selivele lingakanani? Qala ukwenza imali ngomehluko wamanani wokushintshana lapha!

Ngemuva kokufunda le ncwadi kusukela ekuqaleni kuya ekugcineni, uzofunda:

Yiziphi izindlela ezithandwa kakhulu zokuthola imalimboleko evikelwe yifulethi;
Okudingeka ukwenze ukuze uthole imalimboleko evikelwe yifulethi elisebhange;
Yiziphi izimo zokuthola izimali ezivikelwe ngokwabelana efulethini.

Ekupheleni kwendatshana, ngokwesiko sinikeza izimpendulo zemibuzo evame ukuvela ngenkathi kufundwa izinto ngesihloko esibhekwayo.

Kuyasiza ukutadisha ngokucophelela incwadi yethu kulabo abafuna ukuboleka imali ngokuthembisa ifulethi. Kuyafaneleka nokuzijwayeza yona kulabo abanentshisekelo nje ezindabeni zezezimali. Ngokuvamile, ungachithi isikhathi, qala ukufunda khona manje!

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	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.

Ungayithola kanjani imalimboleko evikelwe yifulethi nalapho ungathola khona imalimboleko evikelwe yindlu ekhona - sizokutshela kulo magazini

1. Imalimboleko evikelwe yifulethi - ithuba lokuxazulula ngokushesha izinkinga ezivelile 📃

Amabhange yizinhlangano ezinkulu zokuhweba, inhloso ebalulekile ukwenza inzuzo ngemisebenzi yabo. Ngokwemvelo, izinkampani ezinjalo ngeke ziboleke imali ngaphandle kwesiqinisekiso sokubuyiselwa.

Kuyafaneleka ukucatshangelwa! Ngomzamo wokunciphisa izingozi, amabhange athembeke kakhulu kumakhasimende, ngaphandle kokuqinisekisa ukuthi aqinile, athembisiwe ketshezi impahla... Amabhange abona ifulethi njengesibambiso esihle.

Uma umboleki nganoma yisiphi isizathu enqaba ukukhokha isikweletu, umbolekisi uzommangalela. Imvamisa, umphumela wenqubo ngu ukuthengiswa kwempahla ethembisiwe... Ngemuva kwalokho, ibhange lizithathela inani elanele ukukhokha izibopho ngaphansi kwesivumelwano semalimboleko. Inani elisele libuyiselwa kumboleki.

Kodwa-ke, ungacabangi ukuthi kungenzeka ukuthola imali ngokuphepha kwefulethi ngaphandle kobunzima obukhulu. Eqinisweni, le nqubo iyinkimbinkimbi futhi inomthwalo wemfanelo. Kunezinyathelo ezimbalwa ezibucayi okufanele uzinqobe okulungiselela kangcono. ngaphambili... Kubalulekile futhi ukutadisha imininingwane eningi ewusizo ngangokunokwenzeka.

Lapho ethatha isinqumo ngemalimboleko, obolekayo kumele akuqonde lokho ayikho ifulethi elizokwamukelwa njengesibambiso... Kepha noma ngabe izakhiwo zingafanelana nebhange njengesibambiso, asikho isiqinisekiso sokuthi inani lemalimboleko ngeke libe ngaphansi kunalokho obekulindelekile.

Amabhange amukela kuphela amafulethi anamanzi amaningi njengesibambiso. Ngamanye amagama, impahla enjalo kufanele ithengiswe kalula uma kunesidingo.

Ukuhlola izinga lokuthengiswa kwemali, ibhange lihlaziya izindlela ezilandelayo:

indawo yasekhaya - ifulethi kumele litholakale esifundeni lapho ibhange lisebenza khona;
indawo efulethini elisendlini - amabhange amaningi awakhiphi imali ekuvikelekeni kwamafulethi, atholakala esitezi sokuqala nesokugcina;
isimo sobuchwepheshe - ifulethi kufanele likulungele ukuhlala, okungukuthi, lixhunywe kunethiwekhi kagesi, ukuhanjiswa kwamanzi, indle;
izinga lokonakala kwezindlu ngokomzimba - indlu akufanele ibe yesimo esiphuthumayo, uma kudilizwa, kulindwe ukwakhiwa kabusha noma ukulungiswa kabusha;
ukwakhiwa kabusha- noma ikuphi ukwakheka kudinga ukubhaliswa okusemthethweni;
amalungelo empahla - ifulethi kumele libe ngelomboleki ngelungelo lobunikazi, izingane akumele zibhaliswe kulo;
ukutholakala kokungaboni ngaso linye - ifulethi akufanele lihambisane nokuncipha kwemingcele neminye imikhawulo ezenzweni nge-real estate.

Bese ukhumbula ukuthi amabhange kuyaqabukela evuma ukukhipha imalimboleko evikelwe ngamakamelo, kanye namafulethi kubunikazi obabiwe. Kodwa-ke, labo abanengxenye kuphela yefulethi banethuba lokuthola imali. Ukuze wenze lokhu, kufanele uxhumane abadayisi noma ku- izinhlangano zezimali ezincane.

Kubalulekile ukwazi! Ubunzima ekutholeni imalimboleko buvela kokubili kubanikazi bamafulethi asezingeni eliphakeme futhi nakulabo abanamapuleti okunethezeka. Lokhu kungenxa yokwehla kwemali ephansi of kuzo zombili izinhlobo zezindawo ezithengiswayo. Ukuthengisa izindlu nomhlaba okunethezeka kungaba nzima njengokudilizwa.

Akunandaba nekhwalithi yezibambiso, kufanele ulilungele iqiniso lokuthi ukucubungulwa kwemali mboleko kuzothatha isikhathi esiningi. Kuzofanele ulungiselele inani elikhulu lamadokhumenti, uqiniseke ukuthi ubunikazi bubhaliswe kahle.

Uma ifulethi lilungele ibhange njengesibambiso, isinyathelo esilandelayo ukubheka obolekayo ukuthi uyahambisana yini nezidingo zebhange. Isikhungo ngasinye sezikweletu sizithuthukisa ngokuzimela, kepha kunemibandela eminingi engahlukaniswa ngayinye yazo.

Izidingo eziyinhloko zamabhange zababoleki:

ubudala ebangeni kusuka eminyakeni engama-21 kuya kwengama-60 ubudala ngosuku lwesivumelwano semalimboleko;
ukutholakala kokubhaliswa unomphela esifundeni sokuba khona kwebhange okungenani izinyanga eziyisithupha;
ukuqashwa ngokusemthethweni;
umlando wesikweletu osezingeni eliphakeme;
azikho izibopho zemalimboleko ezisasele;
imali esemthethweni engaphezu kwemali ekhokhwa ngenyanga Izikhathi ezi-2.

Imfuneko yobufakazi obubhaliwe bemiholo ingakhethwa. Kunamabhange akhipha imali mboleko ngombandela wokuthi wonke 2imibhalo. Kodwa-ke, ukuthola izikhungo ezinjalo kuzoba nzima kakhulu.

Ngaphambi kokusebenzisa noma iyiphi insizakalo yezezimali, kubalulekile ukuhlola zonke izinzuzo nezinkinga zayo.

Phakathi kwezinzuzo (+) zemalimboleko evikelwe yifulethi kukhona okulandelayo:

ikhono lokuboleka inani elikhulu lemali;
ukuvuthwa ngokwanele ngokwanele - kungafinyelela 15 iminyaka;
ukwethembeka kumakhasimende.

Futhi inzuzo yilokho ifulethi lihlala lisezandleni zobolekayo... Angaphila kuwo. Ngaphezu kwalokho, ngemvume yebhange, ifulethi lingaqashwa noma libhaliswe endaweni yokuhlala izihlobo.

Kodwa-ke, ukubhaliswa kwesibambiso kufaka umkhawulo wezenzo nge-real estate. Ngaphandle kwemvume yebhange, ngeke kwenzeke ukuthengisa, ukushintshanisa noma ukunikela ngendlu.

Yize kunezinzuzo eziningi kakhulu, imali mboleko evikelwe yifulethi ine- ukulinganiselwa... Okubaluleke kakhulu ingozi yokulahlekelwa ubunikazi bempahla yangempela... Kodwa-ke, lesi simo senzeka kuphela ngemuva kwesinqumo senkantolo uma kunqatshwa ukukhokha. Ngakho-ke, kubalulekile ukuhlola amakhono akho wezezimali. NGAPHAMBI ukufaka isicelo semalimboleko.

Obolekayo akumele akhohlwe ukuthi ibhange liyaboleka engekho ngaphezu kwama-60% inani lemakethe lempahla. Uma obolekayo edinga inani elikhulu, kufanelekile ukucabanga ngokuthengisa indlu.

Izinhloso eziyinhloko zokuthola imalimboleko (imalimboleko) evikelwe yifulethi

2. Bathatha ini imalimboleko (imalimboleko) evikelekile efulethini - TOP-5 imigomo edumile 📑

Imalimboleko evikelwe yifulethi inenzuzo kubo bobabili abathintekayo kulokho kuthengiselana. Obolekayo, esebenzisa lolu hlobo lokubolekisa, uthola izimo ezithandeka kakhulu. Ngasikhathi sinye, kumbolekisi, ukutholakala kwesibambiso kusebenza njengesiqinisekiso esengeziwe sokubuyiselwa kwemali ekhishwe esikweletini.

Isidingo sokuthola imali mboleko singavela ngezizathu ezahlukahlukene. Kuchazwe ngezansi izinhloso ezithandwa kakhulu zemalimboleko evikelwe amafulethi.

1) Ukwakhiwa nokulungiswa

Abanye banquma ukwakha ikotishi noma bavuselele ifulethi abahlala kulo. Zombili izinhloso zidinga ukutshalwa kwezimali okubalulekile. Ngasikhathi sinye, ukubolekwa kwabathengi akuvumeli ukuboleka inani lemali elidingekayo.

Kungakho, ezimweni zokuphila ezichazwe, abaningi banquma ukuthola imali mboleko evikelwe yifulethi eliphethwe ngumuntu... Imvamisa, imali ekhishwe ngokumelene nokuvikeleka kwempahla enjalo ingaphezu kokwanele ukulungiswa noma ukwakhiwa.

2) Ukutholwa kwezakhiwo

Namuhla, ukuthenga indlu noma ukuyishintshanisa kungaba nzima. ngakho-ke Ochwepheshe batusa kulabo abathathe isinqumo sokuthenga ngokushesha elinye ifulethi, bathathe imalimboleko evikelwe yimpahla ekhona.

Le nketho ifanele labo abangenayo imali eyanele yokwenza inkokhelo yokuqala yokubambisa. Sikhulume ngokuningiliziwe mayelana nokubolekwa kwemali ngaphandle kokukhokha phansi ku-athikili yokugcina.

3) Ukwenza ngcono izimo zokuphila

Akunakwenzeka ngaso sonke isikhathi ukuthenga ifulethi esakhiweni esakhiwayo kubambiso. Imvamisa, amabhange awaboleki kumaphrojekthi athile wokwakha noma omakhelwane. Imalimboleko evikelwe yifulethi elikhona izosiza ukuxazulula inkinga.

Konje, Abanye abantu bathola imali enhle ngokuthenga izindlu ezakhiwa ngesikweletu. Ngemuva kokuqalisa ukusebenza kwendlu, bathengisa ifulethi elithengwe kulo ngaphezulu kokuthengwa. Ngemuva kwalokho, kusala ukukhokha isikweletu semalimboleko. Imali esele ingahle ibe yinzuzo enhle.

4) Ukuvula ibhizinisi elisha noma ukuthuthukisa ibhizinisi elivele likhona

Amabhange akakhiphi imali mboleko yokuvula nokuthuthukisa ibhizinisi. Kunzima ikakhulukazi kosomabhizinisi ngabanye ukuboleka imali ngezinhloso ezinjalo.

Amathuba okuvunyelwa kwesicelo ezimweni ezinjalo aphansi impela↓. kodwa isimo siyashintsha uma usomabhizinisi enikeza indlu yakhe ebhange njengesibambiso.

5) Isidingo esiphuthumayo sezimali zezinye izidingo

Ngezinye izikhathi imali ingadingeka ngokushesha. Izinhloso zingahluka - isidingo sokubuyisa isikweletu, ukugula, izinkinga, ukuthenga okuphuthumayo... Kubalulekile ezimweni ezinjalo ukuthi uzivikele ethonyeni lemizwa. Isinqumo kufanele senziwe ngokucophelela, ngenhloko esangulukile.

Kufanele wazi ngobungozi bokubolekiswa okuvunyelwe yifulethi. Lokhu kuyiqiniso ikakhulukazi ezimeni lapho izindlu ezinjalo kuphela kwendawo yokuhlala. Ngakho-ke, ukubeka engcupheni ingcebo ngokungenangqondo akukufanele.

Akunandaba ukuthi kungani udinga imali, kubalulekile ukwenza isinqumo unolwazi lapho ufaka isicelo semalimboleko evikelwe yi-real estate. Lokhu kuzosiza ukugwema izinkinga eziningi kamuva.

Izindlela ezifakazelwe zokuthola imali mboleko evikelwe amafulethi

3. Yiziphi izindlela zokuthola imali mboleko evikelwe yifulethi ekhona - ukubuka konke okukhethwa kukho kwe-TOP-3 📋

Kunezinketho eziningi zokuthola imali yebheyili. Ngaphambi kokufaka isicelo, kubalulekile ukuthi ufunde ngokucophelela zonke izindlela, uzihlaziye izinzuzo futhi ukulinganiselwa... Kulesi simo kuphela lapho ungakhetha khona inketho yokubolekwa okuhle kakhulu.

Inketho 1. Imalimboleko yasebhange

Ukuboleka imali evikelwe yifulethi ebhange kuyindlela engcono kakhulu nethembekile. Izinzuzo yile ndlela isilinganiso samazinga aphansi futhi isiqiniseko sokuphepha kwento ethenjisiwe... Kodwa-ke, izidingo zokubolekwa kwamabhange zinzima kakhulu, zombili maqondana nababolekisi kanye nempahla.

Phakathi kwezidingo zababoleki abangabekwa yibo bonke amabhange yilezi ezilandelayo:

Ubudala ngokwesiko kusethwe ngaphakathi kusuka 21 ngaphambi 65 iminyaka... Kepha amanye amabhange ayayandisa le mingcele ngokuboleka abahola impesheni, kubandakanya nalabo asebekhulile ngaphambi 85 iminyaka;
Ukubhaliswa unomphela - amabhange ayakwamukela ukuzinza. Ngakho-ke, ababolekisi labo abanemvume yokuhlala isikhashana noma imvume yokuhlala unomphela engaphansi kwezinyanga eziyisithupha;
Ukuqashwa kufanele kube semthethweni. Izikhungo eziningi ezibolekisayo zinikeza izimo ezikahle kakhulu kubasebenzi bakahulumeni nakumakhasimende emiholo;
Inani lemali engenayo.Umholo kufanele ungavumeli ukwenziwa kwemali mboleko yanyanga zonke kuphela, kodwa futhi wanele nezinye izidingo. Imvamisa, amabhange avumela imalimboleko kuphela ezimweni lapho inani lomnikelo wemalimboleko lingadluli 30% imali engenayo.

Kuyafaneleka ukucatshangelwa! Amabhange ungakhiphi imali ekuvikelekeni kwamafulethi asezindaweni ezingadumile, esitezi sokuqala nesokugcina sezakhiwo. Amabhange awaboleki labo abanezingane ezibhalisiwe ezindlini zabo, kanye nalabo abenqabile ukwenza izinto ngasese.

Isici esibalulekile semalimboleko yasebhange evikelwe amafulethi ukuthi isibambiso sihlala sinobunikazi bomboleki. Angayisebenzisa indawo yokuhlala noma ayiqashe. Kodwa-ke, kunemikhawulo - awukwazi ukwenza noma yiziphi izenzo nefulethi ezishintsha umnikazi - thengisa, unikele noma ushintshe.

Inketho 2. Imalimboleko evela enhlanganweni yamabhizinisi amancane

Uma iklayenti noma ifulethi lingalifanele ibhange nganoma yisiphi isizathu njengento yokubambisa, kunethuba lokuthola imalimboleko enhlanganweni yezimali encane. Asikho isidingo sokufakazela imali engenayo, i-MFI ayihlolisisi umlando wesikweletu eduze.

Ezimweni eziningi, izinhlangano zezimali ezincane azidingi ababoleki ukuthi banikeze imibhalo emikhulu:

Obolekayo ngokuvamile udinga kuphela ukuhlinzeka ipasipoti futhi idokhumenti yesibili.
Isihloko sesibambiso kuzofanele sethulwe ipasipoti yezobuchwepheshe, isivumelwano sokuthola ubunikazi, kukhishwe kwi-USRR.

Izinzuzo zemalimboleko ku-MFO evikelwe yindlu zimi kanje:

amandla okuthola izimali nganoma iyiphi injongo;
ukubhaliswa okusheshayo, ukukhokha kusengaphambili kungakhishwa kungakapheli amahora ambalwa;
uhlelo lokukhokha lwenziwa ngazodwana;
kufanele ukhokhe inzalo kuphela, awekho amakhomishini angeziwe;
ithuba lokuthola imalimboleko evikelwe amafulethi angamukelwa ngamabhange.

Ngokwemvelo, kukhona okubolekwe ezinhlanganweni zezimali ezincane futhi okubalulekile ukulinganiselwa... Okubaluleke kakhulu nakho amazinga aphezulu... Kuhlanganiswe nesikhathi esinqunyelwe, lokhu kuholela ekukhokhelweni okukhulu. Umphumela uba ukwanda okuphawulekayo engozini yokulahlekelwa yifulethi.

Inketho 3. Imalimboleko evela kubatshalizimali abazimele

Inketho yokugcina kufanelekile ukuyisebenzisa kuphela njengesinqumo sokugcina. Izimalimboleko ezizimele zilungele labo abenqatshelwe abanye ababolekisi, isib, ngomlando wesikweletu owonakele kakhulu.

TO pluses (+) ukubolekisa ngabadayisi abazimele kufaka:

isivinini sokucubungula esiphezulu;
ubuncane bamadokhumenti nezitifiketi;
ukungabikho kwamasheke kumboleki.

Kodwa-ke, kunamaphutha amaningi enza ababolekayo bacabange kaningi ngaphambi kokusebenzisa izinsizakalo zezinkampani ezizimele.

Okubi (-) kwalezi zimali mboleko kufaka:

inzalo enkulu;
isikhathi esincane semalimboleko;
ingozi enkulu yokubhekana nabakhwabanisi.

Izinsizakalo zokunciphisa amathuba okukhwabanisa abadayisi bezikweletu... Kodwa-ke, kubalulekile ukuthi uqaphele lapho usebenza nabo. Kukhona nabathengi abaningi abenza imali ngokukhwabanisa.

Kubalulekile ukutadisha ngokucophelela zonke izindlela zokuthola imali mboleko evikelwe amafulethi. Kuyafaneleka ukuhlola ngokucophelela ubuhle nobubi babo ngamunye ukuze uqonde ukuthi iyiphi inketho efanelekile esimweni esithile.

Ungayithola kanjani imalimboleko evikelwe yifulethi - umhlahlandlela wesinyathelo ngesinyathelo womboleki

4. Ungayithola kanjani imalimboleko evikelwe yifulethi elisebhange - izinyathelo eziyisihlanu eziyinhloko 📝

Kuthatha isikhathi esiningi ukuthola imalimboleko evikelwe yifulethi. Inqubo ivame ukuthatha amasonto ambalwa.

Ngakho-ke, abezimali beluleka ukuyilungiselela kusengaphambili. Lokhu kuzosiza ukunciphisa kakhulu isikhathi phakathi kokuthumela isicelo ebhange nokuthola imali. Okokuqala, kufanele ufunde ngokucophelela imiyalelo yokuthola imalimboleko yasebhange evikelwe yifulethiihlanganiswe ngochwepheshe.

Isigaba 1. Ukulungiswa kwamadokhumenti efulethini

Akunandaba ukuthi inhloso yokuthola imalimboleko, kanye nebhange lapho imali mboleko izokhishelwa khona, kuzodingeka unikeze amadokhumende endaba yesibambiso. Uma ubalungiselela kusengaphambili, inqubo yokufaka isicelo semalimboleko izoshesha kakhulu.

Umbolekisi uzodinga imibhalo elandelayo:

isitifiketi sobunikazi, noma ukukhishwa okusha okuvela ku-USRR;
inkontileka lapho kutholakala khona amalungelo efulethi - isivumelwano sokuthengisa nokuthenga, ukwenza kube ngasese, umnikelo, idokhumenti yamafa;
isitifiketi esiqinisekisa ukungabi bikho kwezikweletu zokukhokha izinsizakalo ezisetshenziswayo
isitifiketi sobuchwepheshe;
isitifiketi esisho ukuthi ifulethi alikho ngaphansi kokuboshwa, ukuboshwa.

Njengoba ibhange ngalinye linquma ngokuzimela uhlu lwamadokhumenti adingekayo ekubolekiseni, ezinye izitifiketi, izinkontileka, izivumelwano nazo zingadingeka.

Ukuze kunqunywe inani eliphakeme lemali mboleko, noma yiliphi ibhange lizodinga ukuthi obolekayo enze ukuhlolwa kwendaba yesibambiso... Kungakuhle uku-oda kusengaphambili. Lokhu kuzosiza obolekayo angagcini ngokugcina isikhathi, kepha futhi aqonde nokuthi yiliphi inani lemalimboleko angathembela kulo.

Noma kunjalo, kubalulekile ukwazi ukuthi amabhange angayemukeli imibiko yabahloli bezakhiwo eyenziwe ngaphezu kwezinyanga eziyisithupha ezedlule. Ngaphezu kwalokho, amanye amabhange aboleka kuphela uma kunombiko wenkampani yokuhlola kusuka ohlwini lwazo oluhlongozwayo.

Ezimweni eziningi, kunenzuzo enkulu kumboleki uku-oda ukuhlolwa okuzimele yedwa. Lokhu kungenxa yamathuba okubukela phansi inani langempela lawo lapho kuhlolwa ifulethi labasebenzi basemabhange.

Amapharamitha alandelayo angathinta inani elilinganisiwe:

unyaka indlu yakhiwa;
inani lezitezi;
indawo yokuhlala;
ukwakheka;
indawo.

Njengoba inani lemalimboleko evikelwe yindlu ebhange imvamisa ingeqi kuma-60% ivelu yayo ehlolwe, umboleki unesifiso sokwenza kube ngaphezulu. Kepha kubalulekile ukuhlola kahle amandla akho. Ngemuva kwakho konke, uma isamba semalimboleko sikhulu, inani elikhulu kuzofanela likhokhwe njalo ngenyanga.

Isigaba 2. Ukukhetha ibhange nokugcwalisa isicelo

Uma umboleki wesikhathi esizayo efuna ukuthola ukunikezwa kwemali mboleko enhle emakethe, kuzodingeka achithe isikhathi esiningi. Lapho ezifundela ngokwengeziwe izinhlelo zebhange, kukhuphuka amathuba okuthi akhethe inketho engcono kakhulu.

Qaphela! Okokuqala kufanele unake i- ibhange lapho lowo obolekayo ethola umholo... Ezimweni eziningi, izinhlangano zezikweletu zinikeza amaklayenti amaholo izimo ezikahle kakhulu.

Uma kunikezwa amaholo, noma ukubolekisa ngebhange lokukhokha kungeke kwenzeke ngesizathu esithile, kuzofanele ufune ibhange kusukela ekuqaleni.

Lapho ukhetha ibhange, kufanelekile ukutadisha izici ezilandelayo:

Isikhathi somsebenzi. Ochwepheshe bayeluleka ngokusebenzisana namabhange avulwe ngaphansi kuka 5 iminyaka edlule;
Izinkomba zokusebenza. Okokuqala kunakho konke inzuzo ephelele... Kuzinzile kwamabhange athembekile isikhathi eside. Ngaphezu kwalokho, izikhungo zezikweletu ezithumela imibiko etholakala emphakathini zingathenjwa;
Izibuyekezo. Kubalulekile ukuthi bazimele. Kufanele ukhulume nabangane nabantu obajwayele. Uma uthatha isinqumo sokubheka izibuyekezo ku-Intanethi, kubalulekile ukutadisha izinsiza ezethembekile, isib, Amabhange.ru noma Qhathanisa.ru;
Isilinganiso - kungcono ukunaka ukuhlolwa kwezinhlangano zamazwe omhlaba noma ezinkulu zaseRussia.

Uma kungenakwenzeka ukuthi ufunde ngokuzimela amabhange, ungaxhumana nomthengisi. Lezi zinkampani zikusiza ukuthi ukhethe uhlelo lwemalimboleko olulungele icala elithile.

Isigaba 3. Ukuthinta ibhange nokuthumela iphasela lamadokhumenti ukuze licutshungulwe

Isinyathelo esilandelayo enkambisweni yokuthola imali mboleko ukuxhumana nebhange. Iningi lezikhungo zesimanje ezibolekisayo zamukela izicelo zemalimboleko nge-Intanethi.

Kepha kubalulekile ukwazi ukuthi isinqumo sebhange kuleli cala sizoba esokuqala. Uma kuvunyiwe, umboleki kusazodingeka ukuthi aye egatsheni lasebhange nephakeji lemibhalo edingekayo.

Lapho uthinta ibhange, uzodinga amadokhumende alandelayo:

ipasipoti;
idokhumenti yesibili, isib, isitifiketi SNILS, TIN, somshayeli;
ikhophi yencwadi yomsebenzi noma inkontileka, eqinisekiswe ngumqashi;
isitifiketi somholo.

Ibhange ngalinye ngokwalo lihlanganisa uhlu lwamadokhumenti adingekayo emalimboleko. Ngakho-ke, ngaphezu kwalokhu okuyinhloko okukhulunywe ngakho ngenhla, abanye bangacela futhi.

Isigaba 4. Isiphetho senkontileka

Isinyathelo esibaluleke kakhulu nesinomthwalo lapho ufaka isicelo semalimboleko ukusayina isivumelwano. Kukulesi sivumelwano lapho isimo sezimali somboleki sincike kakhulu ekukhokhweni okugcwele kwemali mboleko. Isivumelwano sichaza amalungelo nezibopho zombili isikhungo sezezikweletu kanye neklayenti laso.

Kubalulekile ukwazi! Ababoleki abangafundile bacela umbolekisi inkontileka eyisampula ezinsukwini ezimbalwa ngaphambi kosuku lwemalimboleko. Lokhu kukuvumela ukuthi uhlole isivumelwano ekhaya endaweni ekhululekile.
Ochwepheshe batusa ukuya kude kakhulu - thumela inkontileka ukuze ibuyekezwe ummeli... Uzothola kalula zonke izingibe zesivumelwano.

Imvamisa, abasebenzi bathi inkontileka iyisifanekiso futhi ayinakuguqulwa. Eqinisweni, umboleki unelungelo lokugcizelela ukulungisa izigaba zesivumelwano ezingamfaneli.

Kubalulekile ukukhumbula, ukuthi inkontileka kuzofanele ihlonishwe iminyaka eminingi. Kungcono ukuthi abasebenzi basemabhange babukeke njengesithukuthezi kunokuchitha inyanga nenyanga bekhokha imali mboleko ngaphezu kwalokho obekulindelwe ngumboleki.

Lapho uhlola isivumelwano semalimboleko esivikelwe yifulethi, kufanele:

qiniseka ukuthi imibandela echazwe kwinkontileka iyahambisana nohlelo olukhethiwe;
hlola amalungelo omboleki njengomnikazi wefulethi eliqukethwe esivumelwaneni. Kumele kuboniswe ukuthi ifulethi lihlala lisetshenziswa yiklayenti.

Okudingeka ukukhishwa kwezimali zokuvikela ifulethi ukuthi ukuthengwa komshwalense kuye. Kungcono ukusebenzisa isikhathi sakho bese ukhetha umshwalense ngamanani amahle kakhulu, ngoba kuzodingeka ukhokhele izinsizakalo zakhe minyaka yonke.

Isigaba 5. Ukugcwaliseka kwezibopho zesikweletu

Inqubo yokubolekisa ayipheli ngokusayinwa kwesivumelwano. Kanyekanye nekhophi eyodwa yesivumelwano, umboleki unikezwa uhlelo lokukhokha.

Ukugwema imali eyengeziwe, kufanele ucacise kusengaphambili ukuthi yiziphi izindlela zokukhokha ezingakhokhiswa zona.

Kubalulekile ukulandela uhlelo ngqo lapho ukhokha imali mboleko. Uma izinkokhelo zenziwa sekwedlule isikhathi noma cha, umboleki uzokhokhiswa inhlawulo... Lokhu kuzokhuphula izindleko zemalimboleko.

Unganquma ngokuzimela izinkokhelo zanyanga zonke nenzalo yemalimboleko, futhi ukhombise uhlelo lokukhokha isikweletu netafula, ngenxa yesibali sethu sokubala semalimboleko online

Futhi, ungakhohlwa ngomlando wakho wesikweletu. Noma yiziphi izinkinga ngalo kwehlisa kakhulu amathuba okuvunywa kwesicelo semalimboleko ngokuzayo.

Uma ulandela ngokuqinile ukulandelana kwezinyathelo zokuthola imalimboleko, ungasinciphisa kakhulu isikhathi senqubo. Ngaphezu kwalokho, izosusa iningi lezinkinga ekutholeni imalimboleko.

5. Ungatholaphi imali mboleko evikelwe yifulethi - amabhange we-TOP-4 anezimo ezinhle kakhulu zokubolekwa kwemali 📊

Ukukhetha ibhange elifanele kuthatha isikhathi esiningi nomzamo. Ukubuyekezwa, okukhishwa njalo ngochwepheshe, kwenza izinto zibe lula kakhulu. Ngezansi kungenye yazo.

1) I-Alfa-Bank

I-Alfa Bank ungomunye wabaholi emakethe yokubolekisa yaseRussia. Banikela ngemalimboleko ehlukahlukene: ngokuphepha nangaphandle, futhi amakhadi esikweletu... Lezi zamuva zithandwa kakhulu.

Ungathola ngekhadi lesikweletu lapha ngaphambi 750 000 ama-ruble... Lapho kubuyiswa izimali ezibolekiwe ze 100 izinsuku, inzalo ayiqoqiwe.

Ibhange lihlinzeka ngemibandela ekhethekile kulabo abathola iholo emakhadini alo. Lezi zigaba zamakhasimende zinikezwa isaphulelo ngezinga lapha kuze kufike ku-5%.

2) I-VTB Bank yaseMoscow

Ungathola imali mboleko lapha ngaphambi 3 ama-ruble ayisigidi... Kunikelwa ngezinhlelo eziningi, zombili ngaphandle nangaphandle kwesibambiso. Izinga eliphansi lisethwe ku- kusuka 14.9% minyaka yonke.

Izaphulelo zinikezwa amaklayenti emiholo, kanye nezisebenzi zikahulumeni.Ukuze uthole isinqumo sokuqala semalimboleko, kwanele ukuhambisa isicelo kuwebhusayithi yebhange.

Uma kuvela izinkinga zezezimali, noma yiliphi iklayenti lingasebenzisa insizakalo yeholide lesikweletu. Kulokhu, umboleki angahle angakhokhi ngesikhathi 1-2 izinyanga.

3) Isikweletu se-Renaissance

Isikweletu se-Renaissance - ibhange elithembeke kakhulu kulabo abangaba ababoleki. Lapha kwanele ukuthola imali mboleko ngolunye lwezinhlelo eziningi.

Uma kudingeka inani elincane, ochwepheshe bayeluleka ngokusebenzisa lesi sipho ukuthola ikhadi lesikweletu elinomkhawulo ngaphambi 200 000 ama-ruble... Ukukhishwa nokunakekelwa kwayo kumahhala ngokuphelele. Ukusheshisa inqubo yokukhipha ikhadi, isicelo kufanele sithunyelwe kuwebhusayithi.

Labo abafaka isicelo kwiRenaissance Credit hhayi okokuqala bangalindela ukuthola imali ngezinga kusukela 13.9%... Kuzofanele uzibuyise ngesikhathi 60 izinyanga.

4) I-Sovcombank

Sovcombank - elinye ibhange okuthi uma licubungula izicelo, lingatholi phutha kubafakizicelo. Akunasidingo sokufakazela imali lapha. Ngaphezu kwalokho, ngaphandle kwezinkinga, iSovcombank izokwazi ukuthola imali mboleko yabahola impesheni.

Uma unikeza ifulethi njengesibambiso, uzodinga ubuncane bamadokhumenti. Kulokhu, ukubheja kuyaqala kusuka ku-18.5% minyaka yonke. Inani lemalimboleko lithi kusuka 300 inkulungwane kuya 30 ama-ruble ayisigidi... Noma kunjalo, ungakhohlwa lokho ngaphezulu 60% wezindleko zefulethi ngeke zibolekiswe.

Isidingo esiyisibopho sebhange ukuthi indawo yangempela kufanele itholakale endaweni ekhipha imali mboleko ngaphansi kwezinhlelo zeSovcombank.

Ukwenza kube lula ukuqhathanisa izinhlelo ezichazwe ngenhla, sethule izici zazo eziyinhloko kuthebula.

Ithebula lokuqhathanisa lamabhange kanye nemibandela yawo yokubolekwa kwemali:

Inhlangano yezikweletu	Inani eliphakeme lemalimboleko, kuma-ruble	Linganisa	Ama-nuances abolekisayo
I-Alfa Bank	Izinkulungwane ezingama-750 ekhadini lesikweletu 3 million kwimalimboleko yabathengi	Kusuka kumaphesenti ayi-14.90 ngonyaka	Amakhasimende athola amaholo ngebhange angathola isephulelo esilinganisweni
*I-VTB Bank yaseMoscow*	3 million	Kusuka kumaphesenti ayi-14.90 ngonyaka	Ungafaka isicelo online, impendulo kungakapheli ikota yehora
*Isikweletu se-Renaissance*	Kuze kufike ezinkulungwaneni ezingama-200 ngekhadi, kuze kufike ezinkulungwaneni ezingama-700 zemali	Kusuka kumaphesenti ayi-13.90 ngonyaka	Izinga lincike kwinani lamadokhumenti ahlinzekiwe
Sovcombank	Izigidi ezingama-30	Kusuka kumaphesenti ayi-18.90 ngonyaka	Amafulethi, amakamelo, izindlu nezakhiwo ezingahlali bantu zamukelwa njengezibambiso

Funda ngokuthi yiliphi ibhange elinenzuzo enkulu ukukhipha imali ku-athikili ehlukile.

6. Ngingayithola yini imali yokubambisa ngempahla ebanjisiwe efulethini? 💰

Akuwona wonke umuntu owaziyo kepha abezimali babiza noma yikuphi ukubolekwa okuvunyelwe yi-real estate ukuthi kubanjiswe ngayo. Ngamanye amazwi, ukubolekwa kwemali mboleko uqobo kubandakanya ukubhaliswa kwesibambiso. Isihloko sesibambiso kungaba yinto ye-real estate ethengwe kusetshenziswa izimali ezibolekiwe, noma esivele sinayo.

Ukubhaliswa kwempahla ebanjiswayo ekuvikelekeni kwefulethi elikhona

Manje sizobheka inketho yesibili - imali mboleko yemalimboleko yempahla evikelwe yimpahla ekhona ekhona... Ebhange, imali enjalo yemalimboleko izuzisa ngokwengeziwe.

Impahla ebolekwe yimpahla ethengiwe ivumela obolekayo ukuthi ayithole kuze kufike ku-80% inani layo. Sesivele sibhalile mayelana nokuthi singayikhipha kanjani imalimboleko yendlu yokuhlala kwenye yezincwadi zethu.
Lapho imalimboleko ivikelwe yimpahla okungeyayo, ibhange livame ukukhipha hhayi ngaphezulu kwama-60%... Ngenxa yalokhu, ubungozi besikhungo sezezikweletu bancishiswa kakhulu⇓.

Kepha imali mboleko evikelwe yimpahla ekhona ayizuzisi kuphela ebhange. Obolekayo naye uthola izinzuzo zakhe ngokubolekiswa okunjalo.

Izinzuzo (+) zemalimboleko evikelwe yifulethi elivele likhona:

Isimo sokwethembeka noma ngabe kunezinkinga zomlando wesikweletu;
isilinganiso esincishisiwe;
iphakethe elincane lemibhalo;
asikho isidingo sokwenza isitolimende sokuqala;
isikhathi eside - kuze kube 25 iminyaka.

Obolekayo kufanele azi ukuthi uhlobo lokubolekwa kwemali luthinta ukukhetha kwesakhiwo esizothengwa ngesibambiso:

Ngemali mboleko yendabuko ukukhetha kukhawulelwe ezintweni zempahla eqinisekiswe yibhange;
Lapho uthola imali mboleko evikelwe yindlu ekhona obolekayo unelungelo lokuthenga noma iyiphi ifulethi.

Ngakho-ke, kunenzuzo ukusebenzisa imali ebolekiwe evikelwe yi-real estate ekhona uma ufuna ukungena ekwakhiweni okwabiwe ngakho.

Ungasebenzisa eyodwa yezikimu ezi-2 zokubolekisa ezivikelwe yimpahla onayo:

Ukubuyiselwa kwemali mboleko kwenziwa ngokulandela uhlelo lwendabuko - ngezitolimende ezilinganayo zanyanga zonke. Le nketho ifanele labo abadinga ifulethi lesibili, ngokwesibonelo, ukusetha kabusha amanye amalungu omndeni;
Ngemuva kokuthola ifulethi elisha, ifulethi elithenjisiwe liyathengiswa.Imali etholakele isetshenziselwa ukukhokha ngokuphelele isikweletu ebhange. Le nketho yesimanje kakhulu, ithola ukuthandwa eminyakeni yamuva. Ifanele labo abathathe isinqumo sokwenza ngcono izimo zabo zokuphila.

Zimbalwa izakhamizi eRussia ezingakwazi ukuxazulula inkinga yezindlu ngaphandle kobunzima obukhulu. Kubo, imalimboleko evikelwe yifulethi kungaba ukuphela kwendlela yokuqeda le nkinga namuhla ngaphandle kokuqongelela imali.

Imalimboleko inenzuzo enkulu kakhulu kunokuqasha. Ngokukhokha imali mboleko, isakhamuzi sesivele singumnikazi wefulethi. Izinkokhelo zokuqasha aziyi ndawo, azikho izimpahla eziphathekayo ezithengwayo ngale mali.

Kungabonakala sengathi imali mboleko evikelwe yifulethi inezinzuzo ezithile. Kodwa-ke, kunokuphazamiseka okuningi kwalolu hlelo kungabonakala.

Okubi (-) imali mboleko evikelwe yimpahla ekhona ibandakanya:

Amalungelo omboleki njengomnikazi wefulethi anqunyelwe - akakwazi ukuthengisa, ukunikela noma ukwenza noma yiziphi izenzo zokudlulisa ubunikazi;
Ukukhokha ngokweqile okukhulu - ifulethi lizobiza cishe Izikhathi ezi-2 kubiza kakhulu kunokubiza ekuqaleni;
Sekuyiminyaka eminingi umboleki ephoqeleka ukuthi anikeze ibhange ingxenye enkulu yemali yakhe ngenyanga;
Uma kwenzeka izimo ezingalindelekile eziholela ekubambezelekeni, umboleki uzokhokhiswa kulungilelokho kukhuphula izindleko zemalimboleko;
Yethula ingozi yokulahlekelwa yimpahla uma kwenzeka kungenzeki ukukhokhelwa okuqhubekayo kwemali mboleko;
Kuzofanele ukhokhe njalo ngonyaka umshwalense okungenani ngesihloko sesibambiso;
Ngiyakwazi ukuthola imali mboleko hhayi noma yini efulethini, ezinye zazo azikwamukeli njengesibambiso ebhange.

Ihlola ukuthi kungenzeka yini ukwamukela ifulethi njengempahla ebanjiswayo, ibhange lihlola ngokucophelela izici zalo ezilandelayo:

Uketshezi. Amafulethi kuphela adingekayo emakethe angamukelwa njengezibambiso.
Isimo sendlu lapho kuhlala khona ifulethi. Lokhu kubheka ukungabikho kwezingozi, isidingo sokulungiswa okukhulu, kanye nezinga lokugqoka.
Ubudala befulethi. Ibhange imvamisa ayemukeli ukuthengiswa kwezindlu njengesibambiso, iminyaka yayo idlula 50 iminyaka.
Uhlobo lwendlu. Amabhange awabolekisi ngokuphepha kwamafulethi asezindlini zamapulangwe, kanye nalabo abanesitezi esincane 5.
Inombolo nokwakheka kwabaninikhaya.Uma umboleki enengxenye kuphela yefulethi, noma izingane zibhaliswe kuyo, leyo ndawo yangempela akunakwenzeka ukuthi yamukelwe njengesibambiso.
Ukuhlelwa. Noma yiluphi ushintsho kumele lube semthethweni.

Kubalulekile futhi izindleko zokuhlalaesebenza njengesibambiso. Ungakhohlwa ukuthi inani eliphakeme lemali mboleko ngeke lidlule 60% intengo yemakethe yendawo.

Izimo zemalimboleko ezivikelwe ngokwabelana efulethini

7. Yimiphi imibandela yokukhipha imalimboleko evikelwe ngesabelo efulethini 📄

Indlela elula yokuthola imalimboleko evikelwe yifulethi yilabo abangabanikazi bayo kuphela. Uma lowo obolekayo engaba nengxenye yakhe kuphela, kuzoba nzima kakhulu ukuthola imali mboleko.

Kubalulekile ukucabangela ukuthi isabelo kufanele sabelwe ngaphandle kokuhluleka. Ngamanye amagama, kumele kubhalwe phansi ubunikazi bengxenye ehlukile yefulethi.

Iningi lababolekisi liyenqaba ukukhipha imali ebolekwe ngamasheya angabelwe. Lokhu kuchazwa kalula: uma obolekayo enqaba ukukhokha imalimboleko enjalo, ngeke kube lula ukuthengisa isibambiso... Okwamanje, kubalulekile ukuthi ibhange ukuthi impahla eyamukelwe njengesiqiniseko ibe uketshezi ngangokunokwenzeka.

Abaninimasheya kumele baqonde ukuthi akwenzeki ngaso sonke isikhathi ukuwahumushela kwabazinikezele. Kulabo abangasazi isimo sempahla yabo, ochwepheshe bayeluleka ukuthi baxhumane Mthokozisi... Kudingeka inkokhelo imali kahulumeni, thumela uphenyo ekhombisa idatha yento. Ukuphendula, uzothola imininingwane esemthethweni yokuthi amalungelo efulethini anqunywa kanjani.

Obolekayo kufanele akhumbule ukuthi ababolekisi (ikakhulukazi izinhlangano zamabhange) aqinile kakhulu kumasheya emafulethini kunasezakhiweni zokuhlala zonke.

Okokuqala, izikhungo zesikweletu zinaka lezi zici ezilandelayo ze-real estate:

ukwenziwa kwemali - uma kunesidingo, into ethembisiwe kufanele ithengiswe ngaphandle kwesithiyo;
azikho izikhubekiso;
ifulethi lisendaweni yohlelo lokubolekisa;
isabelo sisendaweni ebhaliwe yalowo obolekayo;
isimo sendlu okufulethwe kuyo akufanele sibe sesiphuthumayo.

Imvamisa, izidingo zezinhlangano zezimali ezincane zithembeke kakhulu. Kepha isilinganiso sabo siphezulu kakhulu. Ngaphezu kwalokho, imali kuzodingeka ibuyiswe esikhathini esifushane.

Konje, amabhange awakhiphi imalimboleko evikelwe amafulethi lapho izakhamizi ezenqabile ukubamba iqhaza ekuthengiseni ngasese zihlala khona. Laba bantu banelungelo lokuhlala kulezo zindlu isikhathi esingaziwa. Ngaphezu kwalokho, ezinye izinhlangano zezezimali zithembeke kakhulu kulawo mafulethi.

Kuyafaneleka ukucatshangelwa ukuthi inani lemalimboleko lizohlala liphansi kunezindleko zesabelo sefulethi esethembisiwe. Inani eliphakeme lemali mboleko elikhishwe ngokuphepha kwengxenye yesakhiwo akuvamile ukuthi lidlule 50% amanani ayo.

Izidingo ezibekwa ngamabhange kubaboleki azihlukile kakhulu kulezo ezibekwe ezinye izinhlelo zesikweletu. Cishe, kuzofanele ukuthi uyibhale phansi imali engenayo futhi ukuqashwa... Ngaphezu kwalokho, kuvame ukudingeka lokho umlando wesikweletu kwakucace bha.

Ngokuphambene namabhange, izinhlangano zezimali ezincane kanye nababolekisi abazimele bathembeke kakhulu. Imvamisa zidinga ababoleki 2 kuphela imibhaloMusa ukucela ubufakazi bemali engenayo, ungabuzi umlando wesikweletu. Izinkampani ezinjalo ziheha inani elikhulu le- i-pluses (+) – uhlelo lokukhokha ngakunye, awekho amakhomishini, ukulinganiswa kwefulethi ngenxa yombolekisi.

Noma kunjalo, ungakhohlwa ukuthi kunenani elikhulu labakhohlisi phakathi kwezikhungo ezizimele zezikweletu. Kungakho, ngaphambi kokusayina isivumelwano, kufanelekile ukuhlola umbolekisi ngokucophelela. Ngesikhathi esifanayo, ochwepheshe batusa ukusebenzisa usizo lwabameli.

Kubalulekile ukukhumbula ukuthi ukunikezwa okulinga ngokweqile akuvamile ukuba yiqiniso. Iningi lazo liqukethe izingibe ezivame ukutholakala esigabeni sokubuyiselwa isikweletu. Ngendlela, yingakho iningi lalabo abadinga imali basebenzisa kuphela izinsizakalo zesikweletu sasebhange.

8. Ngingasithola kanjani futhi kuphi isikweletu esivikelwe yifulethi ngaphandle kobufakazi bemali engenayo 💡

Kungenzeka ukukhipha imalimboleko evikelwe yifulethi ngaphandle kokuqinisekisa imali engenayo, kepha kufanele kuqondwe ukuthi imibandela kuleli cala kungenzeka ingabi mihle kangako.

Kuyafaneleka ukucatshangelwa! Ngemalimboleko enjaloinani elikhulu lemalimboleko ngizo ngezansi ↓, futhi isilinganiso esiphezulu ↑... Ngaphezu kwalokho, iningi lababolekisi ezimweni ezinjalo lifuna ukubandakanyeka kwabaqinisekisi.

Obolekayo, lapho efaka isicelo semalimboleko enjalo, uzodinga kakhulu ipasipoti futhi idokhumenti yesibili... Kulokhu, ifulethi kuzodingeka lilungiselele iphakethe elijwayelekile eliphelele. Kepha-ke, umbolekisi ngamunye uzinqumela yena ukuthi yimaphi amadokhumenti awadingayo, ngakho uhlu lwabo lungashintsha.

Ezinye izimo ezibalulekile zokubolekwa kwemali zifaka okulandelayo:

Iminyaka yobolekayo hhayi ngaphansi 21 iminyaka ingasekho 70 iminyaka;
isilinganiso esimaphakathi kusuka ku-7% kuya ku-15% ngonyaka;
isikhathi semalimboleko ngaphambi 15 iminyaka.

Namuhla, ukuze kwandiswe izinga lokuncintisana, ababolekisi abaningi bethula uhlelo lokukhipha imali evikelwe yifulethi elisezingeni lemalimboleko ngaphandle isidingo sokuqinisekisa izinga leholo.

Phakathi kwamabhange ahlinzeka ngezimo ezinhle kakhulu, umuntu angazikhethela I-Sberbank futhi I-Alfa Bank... Kepha akulula kangako ukuthola imali mboleko lapha. Kulula kakhulu ukukwenza lokhu ku- Isikweletu Sakwa-Renaissance, Isikweletu Sasekhaya futhi Ibhange le-B & N.

9. FAQ - izimpendulo zemibuzo ebuzwa njalo frequently

Kuningi okungashiwo mayelana nemalimboleko evikelwe yifulethi. Kunemininingwane eminingi ngabo. Kodwa-ke, kunezinkinga eziningi ezibakhathaza ngokuphelele bonke ababoleki. Ukonga isikhathi sakho, ngokwesiko siphendula okuthandwa kakhulu.

Umbuzo 1. Yiziphi izidingo zamabhange uma kukhishwa imali mboleko evikelwe yifulethi?

Akuzona zonke izakhamizi ezingathola imali ngaphansi kwezinhlelo ezinjalo. Ababolekisi banezidingo eziningi zabangaba ababoleki.

Ongahle aboleke kumele ahlangabezane nale mibandela elandelayo:

ubudala ngaphakathi kusuka 21 ngaphambi 65 iminyaka;
Ubuzwe baseRussia;
ukubhaliswa unomphela isikhathi eside;
ukuqashwa ngokusemthethweni;
umholo onomphela owenele ukukhokha njalo ngenyanga.

Abanye ababolekisi futhi bafuna lowo obolekayo ongaba khona ukuze acace njenge-crystal umlando wesikweletu.

Ngaphandle kwalokho, kufanele ucabangeleukuthi ngaphansi kwemigomo yokubolekwa kwemali yasebhange kumboleki kuyadingeka azikho izikweletu zemalimboleko ezisele.

Imvamisa, izincwajana zokukhangisa zithi ukuthola imali mboleko evikelwe yifulethi ngaphandle kobufakazi bemali, kwanele ukunikeza 2 idokhumenti. Empeleni kuzothatha 2 iphakethe lemibhalo:

Okokuqala kumboleki uqobo kuqukethe inani 2 umbhalo - ipasipoti futhi okungeziwe;
Okwesibili iphakheji efanayo yendaba yesibambiso (ifulethi) imvamisa inamandla amakhulu.

Esikhathini esiningi, uhlu lwamadokhumenti efulethini lubandakanya:

itayitela
isitifiketi esivela ku-BTI;
okukhishwe ku-USRR;
okukhishwe encwadini yendlu;
ipasipoti yezobuchwepheshe.

Noma singekho isidingo sokuqinisekisa imali engenayo yemalimboleko, ibhange lingadinga eminye imibhalo ekhombisa ukungaxazuluki ngokungaqondile:

ikhophi yesivumelwano sokuqashwa;
isitatimende sekhadi lasebhange;
ipasipoti yakwamanye amazwe eqinisekisa uhambo lwakamuva oluya phesheya.

Umbuzo 2. Ngingasitholaphi isikweletu esiphuthumayo esivikelwe yifulethi elinomlando omubi wesikweletu?

Ngeshwa, izinga eliphansi lokufunda ngezezimali, kanye nezikhathi zenhlekelele, kuholele ekwandeni kwenani lezakhamizi ezinomlando omubi wesikweletu. Amabhange amaningi ayabenqaba abenzi bezicelo.

Noma kunjalo, lapho kukhona ifulethi elithenjisiwe, inkinga iba lula ukuxazululwa. Lokhu kungenxa yokuthi impahla enjalo inciphisa kakhulu ubungozi bokungabuyiswa kwezimali.

Phakathi kwezimo ezijwayelekile zokuhlinzekwa kwemali mboleko enjalo, okulandelayo kuvame ukuhlukaniswa:

Iminyaka yobolekayo kusuka 21 ngaphambi 75 iminyaka;
isikhathi esiphezulu semalimboleko - 5-25 iminyaka;
isilinganiso kusuka ku-15% ngonyaka;
inani lemalimboleko kusuka 100 inkulungwane kuya 15 ama-ruble ayisigidi (kepha akusekho 60% izindleko zefulethi);
ubunikazi bomboleki bempahla bubhaliwe.

Kubalulekile ukunamathela ngqo kusheduli yokukhokha - inani lokukhokha futhi usuku isingeniso sayo. Uma lokhu kungenziwa, kunengozi yokuthi umbolekisi azomangalela obolekayo. Ekugcineni, ungalahlekelwa yisithembiso sefulethi.

Kubalulekile ukuqonda ukuthi isikhathi sokuthola imalimboleko evikelwe yifulethi singaba side impela. Lokhu kungenxa yesidingo sokuqoqa iphakethe elikhulu kakhulu lamadokhumenti.

Ngaphezu kwalokho, umbolekisi unquma inani eliphakeme lemali mboleko ngaphambi kokuthola imali. Ukubalwa kwawo kwenziwa ngokususelwa ku- ukwahlulela kochwepheshe... Awusatholi lutho 60% inani lemakethe lefulethi. Futhi esimweni somlando wesikweletu esibi, lo mkhawulo ungahle ube noma ngaphansi.

Amabhange asethubeni lokukhipha imali mboleko evikelwe amafulethi, noma ngabe anomlando wesikweletu owonakele, ethulwa etafuleni elingezansi.

Itafula lamabhange akhipha imalimboleko evikelwe amafulethi anomlando omubi wesikweletu, kanye nemibandela yokubolekisa kuwo:

Inhlangano yezikweletu	Inani eliphakeme lemalimboleko	Ukuvuthwa	Linganisa
I-Alfa Bank	Ama-ruble ayizigidi eziyi-8	Iminyaka engama-20	Kusuka ku-17.00% ngonyaka
*I-Rosevrobank*	Ama-ruble ayizigidi eziyi-9	Iminyaka engama-20	Kusuka ku-18.50% ngonyaka
*Trust Bank*	Ama-ruble ayizigidi eziyi-12	Iminyaka engu-25	Kusuka ku-20.50% ngonyaka

Siphinde sahlinzeka ngohlu lwamabhange angahloli umlando wesikweletu walowo oboleki kwenye ye-athikili yethu.

Umbuzo 3. Kungenzeka yini ukuthi imali mboleko ivikelwe yisabelo efulethini ngaphandle kwemvume yabanye abanikazi?

Ngakolunye uhlangothi, ifulethi lisebenza njengesibambiso sekhwalithi, okwandisa kakhulu amathuba esinqumo esihle mayelana nesicelo semalimboleko. Ngaphezu kwalokho, awudingi ukuqoqa iphakethe elikhulu lamadokhumenti.

Ifulethi lokuthi kungenzeka lithole imali mboleko ngaphansi kokuphepha kwalo kufanele lihlangabezane nenqubo esemqoka emibili:

izinga eliphezulu lokuthengwa kwempahla;
ubunikazi bomboleki.

Impahla engamanzi ibhekwa njengempahla engathengiswa ngaphandle kobunzima obukhulu uma kunesidingo.

Noma kunjalo, kubalulekile ukuqonda ukuthi ukuthengiselana akunakwenzeka ngaphandle kwemvume yabo bonke abanikazi bezindlu. Kungakho amabhange amaningi enqaba ukukhipha imalimboleko evikelwe ngesabelo efulethini.

Ithuba lokuthola isinqumo esihle liyakhula uma ucela ukuxhaswa yibo bonke abanikazi. Kodwa-ke, noma kunjalo, amathuba okwehluleka aphezulu kakhulu.

Ukuze uthole imvume ecishe ibe yikhulu, ungabhalisa kabusha impahla ngokuphelele kubunikazi besakhamuzi esihlela ukuthola imali mboleko.

Umbuzo 4. Yimiphi imibandela yokuthola imalimboleko evikelwe yigumbi (efulethini elihlanganyelwe)?

Lapho kukhona izibambiso ezisezingeni eliphakeme, amathuba esinqumo esihle ngokufakwa kwemali mboleko akhula kakhulu. Kodwa-ke, kubalulekile ebhange lokho ukuqinisekisa okuphezulu ketshezi... Ngamanye amagama, uma obolekayo enqaba ukukhokha isikweletu, into ethenjisiwe kufanele ithengiswe kalula futhi ngokushesha ngenani eliphakeme kakhulu.

Izinga lokuthengiswa kwemali lichaza ukuthi kungani kungezona zonke izakhiwo ezamukelwa kalula ngamabhange njengezibambiso.

Kungaba nzima kubanikazi bamakamelo ukuzama ukuthola imali ngebheyili yabo. Lezi zakhiwo zinemali ephansi kakhulu, futhi kungaba nzima kakhulu ukuzithengisa. Kodwa-ke, imali ebolekwe ngamakamelo ikhishwa ngaphandle kwezinkinga izinhlangano ezingekho emabhange.

Izimo zemalimboleko ezivikelwe yigumbi efulethini

Kunezizathu eziningana ezizoholela ekwenqabeni ukukhipha imali mboleko:

isimo segumbi lesimo esiphuthumayo - ukugqoka kuyedlula 60%;
omunye wabanikazi bekamelo mncane (kulokhu, kuzofanele uthole imvume yokugadwa);
impahla ingeyabanikazi abaningana abangavumelani ukuyidlulisa njengesibambiso;
ifulethi noma indlu lapho ikamelo likhona ayixhunyiwe emanzini, ugesi noma indle.

Uma uhlela ukuthola imalimboleko evikelwe yigumbi elisendlini yomphakathi, isimo siya ngokuba nzima. Ngakolunye uhlangothi, izidingo zezezakhiwo azishintshi, noma kunjalo, isinqumo sebhange singaba esihle noma esibi.

Kunezinketho ezi-2 zokuthuthukiswa kwemicimbi lapho usebenzisa igumbi efulethini lomphakathi njengesibambiso:

Isinqumo esiqondile ngesicelo. Le nketho kungenzeka uma uhlela ukuthatha imalimboleko, ukuthenga igumbi lokugcina efulethini lomphakathi, ibhange lingahlangana nomboleki maphakathi. Lokhu kuchazwa iqiniso lokuthi ngasikhathi sinye uba ngumnikazi wendawo kuphela.
Ukwenqaba ukukhipha imalimboleko. Uma inani labanikazi lihlala likhulu ngokwanele, ngeke kube lula ukuthola imali mboleko. Kulokhu, ukutholakala kwegumbi kuhlala kuphansi kakhulu, ngoba umbolekisi ngeke akwazi ukulithengisa ngaphandle kwezinkinga uma kunesidingo. Ukuthengisa igumbi efulethini elihlanganyelwe, kuzofanele uthole imvume kubo bonke abanikazi. Ngaphezu kwalokho, yilabo abahlala emakamelweni aseduze abazokwazi ukuthola ukuhlengwa okubaluleke kakhulu.

Ngokuvamile kunezizathu eziningi zokuthi kungani ukuthengiswa kwegumbi efulethini lomphakathi kungabambezeleka:

abanikazi abahlali efulethini;
akekho owaziyo ukuthi angabatholaphi;
abanikazi bayenqaba ukuthenga igumbi bese bekhipha imvume yokuthengisa.

Ukuba khona kwefulethi eliketshezi kubunikazi kukhulisa kakhulu amathuba okuthi okuhle isinqumo ngesicelo semalimboleko. Kodwa-ke, ukuze ugweme izinkinga, kuzofanele uthinte izinhlangano ezithembekile zezikweletu, ukuhlela imalimboleko ngokuhambisana nayo yonke imithetho.

Ekuphetheni, sikukwazisa ukuthi ubuke ividiyo yokuthi ungazikhipha kanjani kahle izimali mboleko (imali mboleko) evikelekile ngezindlu:

Sifisa ukufisela yonke impumelelo imibono yabafundi bempilo emkhakheni wezezimali zomuntu siqu. Uma udinga ukuthatha imalimboleko evikelwe yifulethi, sifuna ukuthola inketho enenzuzo enkulu.

Uma usenemibuzo ngesihloko sokushicilelwa, bese ubabuza kumazwana angezansi, futhi ulinganise le ndaba bese wabelana ngolwazi kuma-social network nabangane bakho. Kuze kube ngokuzayo emakhasini kamagazini wethu oku-inthanethi!