Kuzokwenzekani uma ungakhokhi isikweletu sendlu futhi kuthiwani uma ungenayo imali yokukhokha?
Sawubona, igama lami nginguSergey Nikolaevich. Sathenga indawo yokuhlala ebanjisiwe futhi manje sekunzima ukukhokha izikweletu. Ake ungitshele ukuthi kwenzekani uma ngingakhokhi imali engiyibambisa ngempahla?
Ngendlela, ubonile ukuthi idola selivele lingakanani? Qala ukwenza imali ngomehluko wamanani wokushintshana lapha!
Ingqikithi yemalimboleko yesivumelwano sesibambiso sempahla ethengiwe. Uma kungalandelwa imigomo yesivumelwano sesikweletu, isikhungo sezezimali sithatha izinyathelo maqondana nomboleki. Ngakho-ke, kubalulekile ukuthi noma ngubani obolekayo akhokhe isikweletu sendlu ngesikhathi futhi ngokugcwele.
Kunezikhathi eziningi lapho abantu bengakwazi ukwenza inkokhelo edingekayo kwi-akhawunti yasebhange. Isizathu salokhu kungaba yizimo ezahlukahlukene, ngokwesibonelo, amaholo abambezelekile, ukuxoshwa, noma ukuvela kwesidingo sokuqala semali sezinye izinhloso. Umphumela uba ukukhokha okwedlulelwe yisikhathi.
Uma inkokhelo yemalimboleko ingenziwa ngesikhathi, khona-ke ibhange lisebenzisa izinhlawulo bese likhokhisa inzalo.
Uma kwenzeka kungakhokhwa ngendlela ehlelekile yemalimboleko yempahla, umbolekisi unelungelo lokufaka isicelo kwiziphathimandla zezobulungiswa ukuze amangalele impahla. Ekuqhubekeni kwenkantolo, akunandaba ukuthi ngabe obolekayo unendawo eyodwa yini yokuhlala.
Njengomthetho, izikhungo zebhange ziya enkantolo ziyothengisa impahla yabantu abangasekho kanye nabakweletayo, uma yonke imizamo yokuthonya okweletayo iphela. Le ndlela yokubuyisa imali ebhange ayinenzuzo enkulu. Njengoba ukuthengiswa kwempahla ethathiwe akuhlangabezani nazo zonke izindleko.
Obolekayo angacela umphathi webhange ukuthi ahlele kabusha imalimboleko (ukubolekwa kwemali kabusha kwempahlauma kwenzeka ukwehluleka ukukhokha izikweletu esikhathini esivunyelwe yinkontileka. Kulesi simo, ibhange lingangeza konke ukuvuthwa kwempahla ebanjiswayo, ngaleyo ndlela linciphise inani lokukhokha nyangazonke noma limise okwesikhashana izinkokhelo zemalimboleko.
Izinhlelo ezinenzuzo kakhulu zemali mboleko yamabhange aseRussia
Namuhla ungathola imali mboleko yempahla yezakhiwo ezinhlakeni eziningi zezezimali. Kodwa-ke, ibhange ngalinye libeka imibandela yalo yalesi mboleko. Izinhlelo ezinenzuzo enkulu kunazo zonke eRussia kubathengi zinikezwa yizikhungo ezilandelayo:
- I-Sberbank - kusukela ekuqaleni konyaka, inikeza imali mboleko ngo-12% ngonyaka Igama lohlelo yi- "Mortgage with state support".
- I-VTB - ukhipha imali mboleko yempahla engu-11.9% ngonyaka. Lolu hlelo lubizwa nge- "New Buildings with State Support". Izindlu zithengwa ezifundeni eziphakeme zenhloko-dolobha.
- Ibhange lesikweletu laseMoscow - imali mboleko enesilinganiso sonyaka esingu-12.9%. Ukubhaliswa kwemali mboleko okungenzeka kuyo yonke iMoscow. Igama lohlelo "Ukubolekwa kwemali emakethe yesibili".
- RosEvroBank - imali ebanjiswayo nge-11.45% ngonyaka. Igama lohlelo "Indlu Yezindlu". Izici ezihlukile zemalimboleko yisikhathi sokuthola isikweletu semali izinsuku ezi-7.
- Tinkoffbank - imali ebanjiswayo nge-10.9% ngonyaka. Igama lohlelo "Isakhiwo esisha ngokuxhaswa nguhulumeni". Isici sale mali mboleko yikhono lokuthola isikweletu semali mboleko nge-Intanethi.
iziphetho
Kuze kube manje, ukuthola imali mboleko yempahla ebambekayo kuyinkqubo ebucayi edinga ukunakekelwa okukhethekile. Ngemuva kokuthatha isinqumo sokuthatha isikweletu sendlu, kufanele ubheke izingqinamba zezomnotho ezingaba khona futhi uzethembe emholweni wakho. Imininingwane engaphezulu ingatholakala ku-athikili - "Ungalithenga kanjani ifulethi kubambiso nokuthi uzoqala kuphi"
Imali mboleko yendlu inwetshelwa isikhathi eside. Ngakho-ke, ngaphambi kokufaka isicelo semalimboleko, udinga ukucabanga kahle ukuthi kuzohlala njalo kukhoneka yini ukukhokha imali noma cha.
Siyethemba ukuthi sikwazile ukuphendula umbuzo wakho. Okuhle kakhulu, Imibono yeqembu lempilo!