Ungayithatha kanjani (uyikhiphe) imali ozoyibambisa ngempahla efulethini, indlu, isiza somhlaba futhi kukuphi lapho ungathola khona imali ebolekiwe yokubolekwa kwempahla: Amabhange ama-TOP-5 + usizo lochwepheshe ekutholeni imali ebanjiswayo

Ntambama, bafundi abathandekayo beMibono Yempilo! Kulesi sihloko sizokutshela ngingakuthola kanjani futhi ngithole kuphi imali yokubambisa efulethini, indlu noma indawo yomhlaba, lapho ibhange kungcono ukuthola imalimboleko yempahla ebanjiswayo, futhi ngubani onganikeza ngosizo lochwepheshe ekutholeni imali yokubambisa.

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

Ngemuva kokufunda i-athikili, uzokwazi:

• Yini inqubo yokuthola imali mboleko yempahla ebanjiswayo;
• Yimiphi imibhalo edingekayo ukuze kuthathwe isibambiso sefulethi, indlu yangasese noma enye ingcebo;
• Yiziphi izici zokubanjiswa kwemali yeziza zomhlaba;
• Kanjani futhi kuphi okungcono ukufaka isicelo semali mboleko ku-inthanethi;
• Ungalutholaphi usizo lokuthola isikweletu semali ngomlando wesikweletu esibi.

Ekupheleni kokushicilelwa, izimpendulo ngokwesiko zinikezwa imibuzo evame ukuvela lapho ufaka isicelo semali mboleko.

I-athikili eyethulwayo izoba wusizo kuwo wonke umuntu - labo asebenqume ukuthenga ifulethi noma enye indlu ngesikweletu, nalabo abasenokungabaza.

Ukubhaliswa kwempahla ebanjiswayo- inqubo yinde. Akazamukeli izinqumo zokuxhamazela nokuxhamazela. Ngakho-ke, kubalulekile ukuthi ufunde le ndatshana ngaphambi kokufaka isicelo semalimboleko ukuze ube nesikhathi sokucabangisisa kahle ngayo yonke into. Ngokuvamile, ungachithi isikhathi, qala ukufunda njengamanje.

Ungayihlela kahle kanjani futhi uyithole kanjani imalimboleko yempahla ebanjiswayo, lapho (kuliphi ibhange) okungcono ukuthatha isibambiso sefulethi noma indlu enendawo yomhlaba, nokuthi ubani ongasiza ekutholeni imali ebanjiswayo - funda kulo magazini

1. Inqubo yokuhlinzeka ngemalimboleko yempahla ebanjiswayo emabhange 📄

Umbuso ulawula inqubo yenqubo yokunikeza imali mboleko ngokushicilelwa kwemithetho yomthetho. ERussia Federation, isenzo esiyisisekelo esijwayelekile lapho kwenziwa ukubolekwa kwezindlu umthetho wesifundazwe "Kubambiso"kuthuthukiswe emuva ku 1998 unyaka.

Umthethonqubo uvimbela inkululeko yezikhungo zezikweletu ekwenzeni ukuthengiselana nemali mboleko, kanye nokuncipha kwemali. Izenzo zabakweletwayo kule ndawo kufanele zenziwe ngaphakathi kohlaka lomthetho.

Kepha amabhange anikezwa inkululeko yokuzikhethela ababolekayo. Banquma ngokuzimela ukuthi ngubani ozokhipha isikweletu sendlu nokuthi ngubani onqaba.

Mayelana nalokhu, kunezidingo eziningi ezibekwa kubafakizicelo:

1. Ubudala. Ngokwesiko, imali mboleko inikezwa ababoleki abadlulile 21 unyaka. Lokhu kubuye kubheke neminyaka yobolekayo ngesikhathi sokukhokhwa okugcwele kwemali mboleko yempahla ngokuvumelana nesheduli.
2. Izinga lemali engenayo.Lapho kunqunywa inani eliphakeme kakhulu lokukhokha nyangazonke, amabhange alinganisela imali engenayo yomndeni... Kubalulekile ukuthi kube ngaphezulu kokukhokha okuhleliwe okungenani ku 2 izikhathi.
3. Ukuqashwa okuzinzile. Ngokufanelekile, obolekayo ongaba khona kufanele asebenzele inkampani enkulu enedumela elihle. Ababolekisi bayaxwayisa ngalabo abafaka izicelo abasebenzela osomabhizinisi ngabanye.
4. Ubuzwe. Iningi lezinhlelo zokubambisa ngamabhange amakhulu zenzelwe izakhamizi zeRussian Federation.

Inqubo yokunikezwa kwemali mboleko ayibonakali kuphela ngezidingo zomboleki, kepha futhi nemingcele eyinhloko yalolu hlobo lokuboleka, ekhonjiswa esivumelwaneni semalimboleko.

Izinkomba ezibaluleke kakhulu zokubolekwa kwemali yilezi:

• Linganisa. Inzalo emaphakathi emabhange aseRussia yi 12%... Kunqunywa yizici ezahlukahlukene - ubukhona bokusekelwa kombuso, ukunikezwa kwezigaba ezithile zezakhamizi.
• Isikhathi semali mboleko. Imvamisa kuba sebangeni kusuka 60 ngaphambi 360 izinyanga... Kaningi, leli gama lingahle libe lide.
• Inani eliphakemelokho kungakhishwa. ERussia, kusebangeni1 000 000 - 20 000 000 ama-ruble.
• Amaphenalthi. Ngaphambi kokusayina isivumelwano semali mboleko, udinga ukuthola ukuthi iziphi izinhlawulo ezikhokhiswayo. Kubalulekile ukuthi wazi ukuthi kwesinye isikhathi, ngokwemigomo yesivumelwano, ngisho nosuku olulodwa lokulibaziseka kuzodingeka lukhokhe inhlawulo enkulu.

Ngokwesimo senhlekelele yezomnotho eqhubekayo, inani lempahla yokuhlala elithengwe kubambiso lincipha kancane kancane. Mayelana nalokhu, izikhungo zezikweletu ziphoqeleka ukuthi zilwele iklayenti ngalinye. Ukuze wenze lokhu kuyadingeka ukuthi ubuyekeze imigomo ye-mortgage. Umphumela waba ukuthi ku esidlule unyaka, kwakukhona ukuthambekela kokwehlisa amanani emali mboleko.

2. Yini odinga ukuyazi ngaphambi kokuthatha imali oyibolekile 🔔

Izakhamizi eziningi eRussia azikwazi ukuthenga izindlu nezindawo zokuhlala ngemali. Ngenxa yalokhu, isimo sinjengokuthi kwabaningi ukubolekwa kwempahla kungukuphela kwendlela yokugwema ukonga isikhathi eside nokuthuthela efulethini labo.

Izibalo zikhombisa lokho ngaphezu kuka-50% izindlu ezithengiswa eRussia zihlengiwe e isikweletu... Kodwa-ke, akubona bonke ababoleki abanolwazi olwanele mayelana nemali mboleko. Lokhu kuvame ukuba imbangela yenkinga.

1) Ingqikithi yokubolekwa kwempahla yendlu

Okokuqala, kufanele uqonde lokho okubizwa ngokuthi yi-mortgage emhlabeni wesimanje wezezimali.

Imali ebolekwayo - uhlobo lokubolekiswa okubhekiswe ekuthengeni indawo yokuhlala ngumboleki, okuhlala kuthembiswa yibhange.

Endabeni yokuthola izindlu ngokubhalisa imali ebolekiswayo, obolekayo usebenza njengomnikazi wendawo, kepha akanalo ilungelo lokuyilahla ngokuthanda kwakhe.

Uma, ngaphambi kokukhokha ngokugcwele kwezibopho ngaphansi kwesivumelwano sokubambisa, umboleki eyeka ukukhokha njalo ngenyanga, isikhungo sekhredithi sinelungelo lokufaka isicelo maqondana naye izinhlawulo... Ngaphezu kwalokho, uma kwenzeka kwephulwa imigomo yesivumelwano semalimboleko, ibhange linelungelo enkantolo ukuthatha isibambiso, okungukuthi, impahla yokuhlala.

Kufanele kuqondwe ukuthi izinkinga zempahla engabanjiswa zingavela hhayi kuphela maqondana nezinkokhelo zenyanga ezedlule.

Ukwehluleka ukufeza izibopho ezicatshangelwayo kufaka phakathi:

• ukwephulwa kwemigomo yenkontileka yomshuwalense;
• ukudluliselwa kwempahla kumuntu wesithathu;
• ukwephulwa kwemithetho yokusebenza kwezindlu;
• ukuguqulwa okungekho emthethweni kwezici zobuchwepheshe (isakhiwo);
• ukulinyazwa kwempahla.

Okubalulekile yenza ukukhetha okweletayo futhi uhlelo lokubolekwa kwemali... Namuhla eRussia ungafaka isicelo semalimboleko enjalo cishe kunoma yiliphi ibhange elikhulu. Kufanele kukhunjulwe ukuthi eRussia inzalo ejwayelekile yemalimboleko yempahla ingu 13%... Lokhu kuphakeme kakhulu kunasemazweni amaningi athuthukile.

Kunemingcele eminingana ebalulekile yemalimboleko yempahla ebanjiswayo:

• isihloko sesibambiso;
• isikhathi semalimboleko;
• inani.

Ngamunye wabo kufanele anqunywe kusengaphambili, ngaphambi kokufaka isicelo.

Ukuze imali mboleko ingabi ngumsebenzi onzima, udinga ukuyilungela ngokwengqondo. Okufanelekile, isinqumo sokubhaliswa kwaso kufanele senziwe emkhandlwini womndeni. Kufanele kuqondwe ukuthi isikhathi eside kakhulu (isilinganiso 5 – 30 iminyaka) kuzofanele ingakhokhi izindleko zezindlu uqobo kuphela, kodwa futhi nenzalo eyengeziwe.

Kufanele uzilungiselele ngokwengqondo ukuthi ingxenye ebalulekile yesabelomali somndeni izosetshenziswa ekukhokhelweni kwenyanga kokubanjiswa kwempahla. Futhi lesi simo sizoqhubeka isikhathi esingaphezu kweminyaka eyishumi nambili. Ngakho-ke, isabelomali somndeni kuzofanele sihlelelwe isikhathi eside.

Kuzoba wusizo ngaphambi kokufaka isicelo semali mboleko futhi ucacise inani ukukhokha ngokweqile okokugcina... Lokhu kungenziwa usebenzisa i- wokubala wesikweletu noma ngokuxhumana isikweletu.

Ukukhokha ngokweqile imele umehluko phakathi kwentengo yesakhiwo esethwe ngumthengisi nemali yokugcina ezokhokhwa ngumboleki ukukhokha ngokuphelele imali ebanjisiwe futhi akhulule impahla kusuka ekuhlanganisweni kwemali.

Uma ucabanga ukuthi amanani emali mboleko okwamanje aphezulu kakhulu, futhi isikhathi semalimboleko amashumi ambalwa eminyaka, inani lokukhokha ngokweqile lingabaluleka impela. Imvamisa, ifulethi lithengwe ngezindleko zempahla ebanjiswayo 2 izikhathi ibiza kakhulukunalokho okwakufanele ekuqaleni.

Qaphela. Abanye basatshiswa yizinga eliphezulu lokukhokhwa ngokweqile. Abanye, behlukanisa ngokwesikhathi semalimboleko, babheka inani eliphumayo njengenkokhelo eyamukelekayo yithuba lokuhlala efulethini labo.

Umuntu uvamise ukuzwa umbono wokuthi amazinga ezezimalimboleko abanjwayo ayaphanga. Kepha ungakhohlwa ukuthi okukhona eRussia izinga lokwehla kwamandla emali amaphesenti angaphezu kwesilinganiso. Ngasikhathi sinye, amabhange kusamele aqinisekise inzuzo yawo futhi ahlanganise nezingozi ezingaba khona.

Kunoma ikuphi, umboleki ngamunye kufanele alinganisele inani lezinkokhelo ezingaphezu kwemali ekhokhwayo ngaphambi kwesikhathi. Kulokhu, uzokwazi ukuthi yini okufanele ayilungiselele, futhi lapho ethola isivumelwano semali mboleko, le nkomba ngeke ibe isimanga esingemnandi.

Omunye umsebenzi obalulekile womuntu obolekayo ongaba khona Ukunquma izinga leholo, okudingekayo ekutholeni imali mboleko yempahla ebanjiswayo. Kubalulekile ukwazi ukuthi yini isilinganiso esifanele uma inkokhelo yanyanga zonke ayidluli 40% wemali engenayo. Kulokhu, ungacabangela yonke imithombo ejwayelekile ebhaliwe, obolekayo uqobo kanye nababolekisi ababambisene naye.

2) Imibandela yemalimboleko yempahla ebanjiswayo

Imingcele ebalulekile yemalimboleko yempahla iyimigomo yayo. Yize iqiniso lokuthi umbolekisi ngamunye enza izinhlelo zakhe zemalimboleko, kunezimo ezimbalwa ezibalulekile ezivelele kunoma yisiphi isikweletu.

Izimo eziyisisekelo zokuthola imali mboleko yekhaya

1. Iminyaka yobolekayo

Imvamisa, imali mboleko ingatholwa yizakhamizi esezifike eminyakeni yobudala 21 unyaka. Ubudala obukhulu buncike esikhungweni sokubolekisa. Kuchazwa njengesamba seminyaka yamanje yalowo obolekayo kanye nesikhathi esilindelekile semalimboleko. Imvamisa umkhawulo ophezulu wale nkomba iminyaka yobudala yomhlalaphansi, inyuswe ngo 3 — 5 iminyaka.

Izikhundla eziholayo emikhawulweni yeminyaka ephezulu zihlala I-Sberbank... Lapha, iminyaka yobudala ekugcineni kwempahla ibanjisiwe 75 iminyaka.

2. Solvency

Inkomba yokuxazulula imali kwalowo obolekayo iyanquma lapho kubhekwa isicelo semalimboleko yempahla ebanjiswayo.

Kulokhu, izinhlaka ezilandelayo ziyabhekwa ngaphandle kokuhluleka:

• inani lemali engenayo yenyanga;
• ubungcweti, kanye nesikhundla;
• inani lemali etholwa ababambisene nabo;
• umlando wesikweletu.

Kusezingeni le-solvency lapho kungenzeka khona konke inkokhelo yanyanga zonke... Futhi ncika kule nkomba usayizi, futhi isikhathi imalimboleko yempahla ebanjiswayo.

3. Uhlobo lomsebenzi

Ngaphezu kwakho konke amabhange athembekile abasebenzi bakahulumeniabathola inkokhelo engaguquki. Ukuqashwa okunjalo kubonakala ngezinga eliphezulu lokuzinza. Futhi wamukelwa ngokuthula ukuba nediploma yemfundo ephakeme.

Ngokumangazayo, kepha ukuthola imali engenayo enkulu kusuka ebhizinisini lakho, iphoqa amabhange ukuthi adlulisele iklayenti kubabolekisi abakhulu... Incazelo ilula kakhulu - umnotho wanamuhla awukuvumeli ukuqinisekisa imali engenayo ezinzile evela ebhizinisini. Ngisho nemisebenzi enenzuzo ingaba yinzuzo nganoma yisiphi isikhathi.

4. Izinzuzo

Esinye isimo esibalulekile semalimboleko yempahla yempahla ukutholakala kwezinzuzo zombuso.

Imixhaso iqinisekisiwe ezigabeni ezithile zezakhamizi:

• imindeni emisha (iminyaka yabashadile akumele yeqe 35 years), afakwe ohlelweni oluhambisanayo;
• imindeni lapho umntwana azalwa khona inelungelo inhlokodolobha yomama;
• abasebenzi bezempi.

Izigaba ezimbili zokuqala zezakhamizi zingathembela osizweni lukahulumeni ekukhokheni ukukhokhelwa kokuqala kokubanjiswa noma ukubuyiselwa kwengxenye yesikweletu ngaphansi kwesivumelwano samanje.

Ngakolunye uhlangothi, ezempi zingathembela ekubakhokheleni isikweletu semali esingeqile 2,4 ama-ruble ayisigidi... Funda kabanzi mayelana nemali mboleko yezempi kwesinye sezindatshana zethu.

Izigaba ezi-5 zokuthola imalimboleko yempahla ebanjiswayo

3. Ungayithola kanjani imalimboleko yempahla ebanjiswayo - izigaba eziyisihlanu eziyinhloko zokuthola isikweletu sendlu 📝

Ngezindlela eziningi, izinyathelo ezithathiwe lapho kutholwa imali ebanjiswayo zinqunywa yisikhungo sezikweletu esikhishwe kuso. Wonke amabhange wedwa kuyaqala imigomo yokubolekisa, amafomu ukwakheka kwephakeji lemibhalo, ibeka izidingo zomboleki... Ngaphezu kwalokho, izikhungo zezikweletu zizinqumela zona ukuthi zizosibheka isikhathi esingakanani isicelo esifakiwe.

Qaphela! Amanye amabhange athembisa ukuhlela ngempahla ebolekiswayo ngokushesha futhi ngaphandle kwezinkinga ezingadingekile, ethula kuphela 2 idokhumenti. Kodwa-ke, kufanele kukhunjulwe ukuthi lokho kuvunyelwa AKUKHO mahhala. Kuzofanele ukhokhele okulula ngokukhokha okuphansi kakhulu noma ngenani lentela elinyukile.

Yize kunama-nuances akhona lapho ubhalisa emabhange ahlukene, kunezigaba eziningana ezijwayelekile kunoma yikuphi ukuthengiselana kwempahla.

Isigaba 1. Ukuhlaziywa kwemakethe yezezakhiwo

Ochwepheshe abaningi bancoma ukukhetha indawo ohlela ukuyithenga ngaphambi kokuxhumana nebhange. Kepha abanye ochwepheshe baqinisekile ukuthi kufanelekile ukulinda ukufunwa kwento ebolekiwe kuze kube zonke izindaba zebhange zixazululiwe.

Kodwa-ke, noma kunjalo kwesibili, kuzofanele uhlaziye imakethe yezezakhiwo ngaphambi kwesikhathi. Lokhu kuchazwa yisidingo sokukhombisa kwisicelo semali mboleko inani lemalimboleko ehleliwe.

Kubalulekile ukuqonda ukuthi kuzokwazi ukuthenga izakhiwo ezithile kuphela ngesikweletu:

• efulethini emakethe yesibili;
• izindlu eziqediwe ezakhiweni ezintsha;
• indlu esakhiweni esakhiwayo;
• ikotishi;
• indlu yangasese.

Ezinye izikhungo zezikweletu zihlela imali mboleko yokwakha izindlu, kepha izinketho ezinjalo zivame kakhulu. Izinhlelo ezinjalo zingatholakala, ngokwesibonelo, ku- I-Sberbank futhi URosselkhozbank.

Lapho ukhetha ifulethi, kufanele kuqondwe ukuthi abanye abanikazi bayenqaba ukuthengisa impahla yabo ukuze babambise. Lokhu kuyiqiniso ikakhulukazi ekuthengeni izindlu emakethe yesibili. Ngakho-ke, kubalulekile ukuxwayisa abanikazi bempahla ngesifiso sakho kusengaphambili.... Le ndlela yonga isikhathi, ngoba ivimbela ukungaqondani nokwenqaba ukuthengisa ngesikhathi sokuthengiselana.

Amabhange abuye anake into ye-real estate, ehlelelwe ukuthengwa ngemali yesikweletu. Ungathola imali mboleko kuphela ngokuthengwa kwezindlu ezigcwele ezihlangabezana nezimfuneko ezithile.

Ibhange ngalinye lisetha indlela yokukhetha izindlu ngokuzimela. Kepha uphawu olulodwa luvamile - impahla AKUFANELE ichithwe, yonakaliswe noma ihloselwe ukudilizwa.

Kubalulekile futhi ukuqonda ukuthi imali mboleko ngeke ikhishwe ngaphandle kochwepheshe ohlola izindlu. Kubalulekile ukuthi isikhungo sezikweletu siqiniseke ukuthi inani lemalimboleko elitholakele lihambisana nenani lempahla ethengiwe kuso.

Isigaba 2. Ukukhetha isikhungo sezikweletu

Obolekayo ngamunye, ekhetha isikhungo sekhredithi, uqondiswa ngezinqubo zakhe nezintandokazi zakhe. Kepha noma kunjalo, iningi lababoleki ngokuyinhloko linaka isilinganiso senzalo... Kwabaningi, le nkomba iyanquma.

Lapho ukhetha ibhange lokuthola isikweletu semali, kufanele uqale uthinte lowo izinsizakalo zakhe umboleki wesikhathi esizayo azisebenzisayo njalo. Kulokhu, ungathembela ku- isimo sobuqotho futhi imigomo yesikweletu evumayo.

Ochwepheshe banikeza amanye amathiphu kulabo abadidwa ukukhetha ibhange:

• kubalulekile ukucacisa imibandela yokukhokhelwa okuncane okuncane futhi okugcwele - kuhlale kunethuba lokukhuphuka kwemali engenayo, okuzoholela esifisweni sokunciphisa inani lesikweletu;
• kufanele uhlaziye ukubuyekezwa kwababoleki asebefake izicelo zemalimboleko yempahla ebhange okukhulunywa ngalo;
• kuzosiza ukudweba uhlu lwemibuzo lomphathi wemalimboleko ngokubhala, lokhu kuzosiza ukungakhohlwa amaphuzu abalulekile;
• obolekayo kufanele abale imali yakhe yenyanga ngaphambi kwesikhathi; uma inganele, kufanele athole obolekane naye.

Baningi abathukile ngesikhathi kusayinwa inkontileka ukukhokha ngokweqile, futhi inkokhelo yanyanga zonke... Ukuze la manani angabi isimanga esingemnandi, kufanele uthole ukuthi azobiza malini ngaphambili.

Isigaba 3. Ukubhaliswa kwesicelo semali mboleko

Udinga ukufaka isicelo semalimboleko yempahla ebanjiswayo enanini eliphezulu lamabhange. Lokhu kukhulisa amathuba esinqumo esihle. Uma ukuvunyelwa kuvela ezinhlanganweni zezikweletu eziningana ngasikhathi sinye, kwanele ukukhetha eyodwa lapho izimo zivuma kakhulu khona.

Yimiphi imibhalo edingekayo ekubanjisweni kwempahla?

Ibhange ngalinye linelungelo lokusungula uhlu lwalo lwamadokhumenti adingekayo ekutholeni imali yokubambisa.

Noma kunjalo, imibhalo elandelayo ingahlukaniswa ngokuthola imali yokubambisa, ezoba wusizo yonke indawo:

• ipasipoti yesakhamuzi seRussia Federation;
• Isitifiketi Somshado;
• isitifiketi sokuzalwa sengane ngayinye emndenini;
• ikhophi yencwadi yomsebenzi eyenziwe yaqinisekiswa ngumqashi lapho usebenza khona manje;
• isitifiketi esiqinisekisa izinga lemali engenayo;
• isitifikedi esivela emtholampilo wezengqondo esisho ukuthi umboleki akabhalisiwe.

Uma uhlela ukuheha ababambisene nabo, ngamunye wabo kuzofanela alungiselele iphakethe elifanayo lemibhalo. Ngaphezu kwalokho, lapho impahla ikhethelwa ukuthengwa, ibhange lizodinga ukuletha imibhalo yalo.

Isigaba 4. Umshuwalense wokubolekwa kwempahla

Uma ibhange, ngokuya ngemiphumela yokubhekelelwa kwesicelo, livuma ukukhishwa kwemali mboleko yempahla, inqubo yokuthengiselana iyaqala. Isigaba sayo sokuqala sithi umshuwalense... Le nqubo iyimpoqo. Izindleko ezitholwe kunqubo yomshuwalense zithwalwa ngumboleki.

Kubalulekile ukwaziukuthi kuphoqelekile ukufaka umshwalense kuphela kwento ebhambisiwe itholakale ingcebo... Ukuqedwa kwezinkontileka nezinkampani zomshuwalense kwezinye izimo kungokuzithandela.

Kodwa-ke, ukuze kuncishiswe izingozi, amabhange ngazo zonke izindlela angaphoqa ababolekayo ukuthi baqinisekise okwabo ikhono lokusebenza, impilo futhi impilo.

Umphumela walesi simo uwodwa - ngenxa yomthengi wefulethi, izingozi zesikhungo sesikweletu ziqinisekisiwe. Ngasikhathi sinye, obolekayo uhlala engaqinisekisiwe ezimweni ezingalindelekile. Uma kwenzeka umshwalense kwenzeka, izinkokhelo ezifanele zizodluliselwa ebhange. Obolekayo ngeke athole lutho.

Kungabonakala sengathi ukuzithandela kokuthenga izinqubomgomo zomshuwalense kusho ukuthi le nsizakalo inganqatshwa. Kodwa-ke, ukugwema lokhu, izikhungo zezikweletu ukwandisa izinga ngokungabikho komshwalense... Kulokhu, kufanele ubale ngokucophelela okuzoba yinzuzo enkulu.

Ngamanye amazwi kudingekile qhathanisa ukukhokha ngokweqile kwempahla ebolekiwe enenzalo engene nenani lokukhokha ngokweqile ngenani eliphansi, kepha kucatshangelwa izindleko zomshuwalense.

Ngenxa yalokho, kuzodingeka ukuthi uzivikele. Bese kuvela omunye umzuzu ongathandeki - imvamisa umbolekisi ukhetha umshwalense... Inikeza obolekayo eyodwa noma ngaphezulu izinkampani zomshuwalense abambisana nazo.

Ngasikhathi sinye, kungenzeka kakhulu ukuthi inqubomgomo kuzofanele ithengwe hhayi ngamanani amahle kakhulu emakethe. Ukuphela kwendlela yokonga imali ukuphothula inkontileka yomshuwalense ephelele zonke izingozi ezidingekayo ngasikhathi sinye.

Isigaba 5. Isiphetho sezinkontileka

Esinye sezinyathelo ezibaluleke kakhulu ekuthengisweni kwempahla ngu ukuphethwa kwesivumelwano semalimboleko... Njenganoma yisiphi esinye isivumelwano, kufanele sifundwe ngokucophelela, hhayi ukweqa isigaba esisodwa.

Ungakhohlwaukuthi kufanele uzijwayeze ngesivumelwano semalimboleko NGAPHAMBI umzuzu wokusayinwa kwayo. Uma ngabe kukhona amaphuzu esivumelwaneni angaqondakali, unganqikazi ukubuza imibuzo kumphathi wemalimboleko.

Ngesikhathi kufundwa inkontileka, kufanele kubhekwe ukunakwa okuphezulu kumapharamitha wezezimali ezibanjiswayo. Kusho inani lezinkokhelo, ukubukeka kwazo, izinhlawulo zokukhokha sekwedlule isikhathi... Ngokufanelekile, ibhange kufanele linikeze obolekayo uhlelo lokukhokha sonke isikhathi sempahla ebanjisiwe.

Kanyekanye nokusayinwa kwesivumelwano semalimboleko, futhi isivumelwano sokuthengwa nokuthengiswa kwezindlu... Indlela imali ezodluliselwa ngayo kumthengisi ukukhokhela indlu inqunywa kumuntu ngamunye entengisweni ngayinye. Lokhu kungaba ukudluliswa kwezimali kwi-akhawunti noma ukudluliswa kwemali kusetshenziswa ibhokisi lediphozi eliphephile.

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Ngakho-ke, inqubo yokuthengiselana ngempahla yempahla yinde impela. Kulabo abangezona ochwepheshe kwezezimali noma isikweletu, kungabonakala kunzima kakhulu. Kodwa-ke, ngokulandela isinyathelo ngasinye sokuthengiselana ngokungaguquguquki, ubunzima obuningi bungagwenywa.

4. Ungayithola kanjani imali ebolekiwe yendlu: ungaqala kuphi 📋

Isinqumo sokufaka isicelo sokubambisa ngempahla ngenhloso yokuthola ingcebo kufanele silinganise kakhulu futhi sibe ngamabomu, akufanele usithathe kancane. Iningi lezakhamizi ezithatha isinqumo sokuba ngabaninikhaya zisebenzisa imalimboleko yezindlu azazi nokuthi ziqale kuphi ukubhaliswa.

Ochwepheshe batusa, okokuqala, ukwenza izibalo zamakhono abo wezezimali.

Kubalulekile ukuqonda ngokucacile ubukhulu bezinkomba ezilandelayo:

• imali engadluliselwa njengemali ekhokhwayo;
• izindleko zendlu oyifunayo futhi, ngokufanele, inani elidingekayo lemalimboleko yempahla ebanjiswayo;
• inani umboleki azimisele ukulinikeza njalo ngenyanga njengenkokhelo.

Usayizi wemali mboleko yesikhathi esizayo ungenye yezinkomba ezibaluleke kakhulu okumele zihlolwe ngaphambi kokuba isicelo senziwe.

Inani lemalimboleko lithonywe kakhulu yizinkomba ezi-2:

1. inani umboleki azimisele ukulidlulisa njengenkokhelo yaphansi;
2. inani lemali engenayo yanyanga zonke, engabhalwa ukuhlolwa kokuxazululwa kwasebhange.

Inkomba 1. Inkokhelo ephansi kwempahla ebanjisiwe

Ukubala inani lokukhokha phansi kwempahla akubanjwanga. Wonke umuntu obolekayo angabhekana nalo msebenzi.

Ukubala ukukhokha okuphansi, kwanele ukulandela kuphela izinyathelo ezi-2:

Isinyathelo 1. Okokuqala, uzodinga thola izindleko zempahla ehlelelwe ukutholwa... Ukuze wenze lokhu, vele uvakashele i-Intanethi indawo yokucinga impahla... Ikhetha inketho ye-real estate efana kakhulu nezindlu ezihlelelwe ukuthengwa. Ukubala, kufanele ukhumbule izindleko zayo. Uma kunezinketho eziningana ezifanelekile, kungakuhle ukuthi uthathe izindleko ezijwayelekile zesilinganiso esinembile. Ngemuva kwalokho, iphesenti elilodwa libalwa ngenani eliphumela.

Isibonelo, izindleko ezijwayelekile zefulethi elifana naleli ohlela ukulithenga 3 000 000 ama-ruble. Ukuthola ukuthi yimalini 1% yayo, udinga ukwehlukanisa izindleko ngo-100:

3 000 000 / 100 = 30 000 ama-ruble

Kuvela ukuthi izindleko zephesenti elilodwa lezindlu ezikhethiwe ngu 30 000 ama-ruble.

Isinyathelo 2. Ulandelwa ngu abale ukuthi mangaki amaphesenti ezindleko zezindlu umboleki angakhokha ngokuzimela... Ukuze wenze lokhu, kufanele ulinganisele inani lokonga. Isibalo esivelayo kufanele sihlukaniswe ngezindleko zephesenti elilodwa lefulethi.

Uma sithatha ukuthi ukulondolozwa kombolekiwe 900 000 rubles, kuvela:

900 000 / 30 000 = 30%

Ngamanye amagama, umboleki ungumnikazi wamaphesenti angamashumi amathathu wezindleko zendlu ehlelelwe ukuthengwa.

Le nkomba ikuvumela ukuthi ukhethe uhlelo olufanele lokuthenga ngempahla. Ungakhohlwa ukuthi enye yezinkomba ezibaluleke kakhulu zempahla ebanjiswayo iphesenti lokukhokha phansi okudingekayo ukukhokha.

Ngaphezu kwalokho, usayizi wokukhokha phansi ukuvumela ukuthi uqonde ukuthi udinga imali mboleko engakanani. Esibonelweni sethu, kuvela ukuthi inani kufanele likhonjiswe kuhlelo lokusebenza lwempahla:

3 000 000 – 900 000 = 2 100 000 ama-ruble

Le mali ayanele ukuthenga ifulethi ngemali.

Inkomba 2. Izinga leSolvency

Esinye isibonakaliso esibalulekile esidingekayo ekubaleni isibambiso semali yizinga lokuxazululwa komboleki. Akunzima ukuqonda ukuthi iyiphi imali engenayo okufanele ibhalwe phansi ebhange.

Okokuqala udinga sebenzisa noma yini wokubala kwempahlaokwethulwe kwi-Intanethi. Ewindini elikhethekile kufakwe inani lempahla, isitolimende sokuqala esitholakalayo.

Siphakamisa ukusebenzisa umshini wokubala ukubala izinkokhelo:

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Njengoba isilinganiso senzalo ungacacisa inani elijwayelekile emakethe. Namuhla kumaphakathi15%. Imigomo yemalimboleko kungaphutha ngokuthi 20 iminyaka. Ngemuva kokucindezela inkinobho bala izokwaziwa inani lokukhokha nyangazonke... Esibonelweni esicatshangelwe, leli nani lizoba 27 653 ruble.

Ngokwesiko, inani lemali engenayo eqinisekisiwe kufanele libe njalo okungenani izikhathi ezi-2 ngaphezulu isitolimende sanyanga zonke. Le mfuneko ibekwa amabhange amaningi.

Ngemininingwane enikezwe kusibonelo, kuvela ukuthi imali engenayo kufanele ilingane nokuthi:

27 653 * 2 = 55 306 ama-ruble

Yile mali engenayo (imvamisa inkokhelo) okufanele iqinisekiswe ebhange ngezitifiketi.

Kubalulekile ukuqonda ukuthi lokhu akudingeki kube yimali yomuntu kuphela ebolekayo uqobo. Amabhange amaningi avumela ukubolekwa kokubolekwa kwempahla ababambisene ngokubambisana... Kulokhu, inani eliphelele lemali eqinisekisiwe yabo bonke ababambiqhaza ekubanjweni kwempahla lizothathwa ngezibalo.

Akuwona wonke umuntu oqondayo ukuthi kungani amabhange efuna imali ebonakala yeqisa ngale ndlela. Eqinisweni, le ndlela iyakhuthazwa indlela yokuvikela obolekayo ezinkingeni zezezimali... Ngemuva kokukhokha inkokhelo yempahla ebanjiswayo, kufanele kube nemali eyanele (okungenani uhhafu wemali engenayo) yokudla okujwayelekile nokuthengwa kwezinye izinto ezidingekayo.

Kodwa-ke, akwenzeki njalo ukubhala ukwanela kwemali etholwayo. Ngaphezu komholo, obolekayo ongaba khona angaba nenye imali engenayo engekho emthethweni. Mayelana nalokhu, kuphakama umbuzo: kufanele ngempela ushiye impahla ebanjisiwe?

Kukhona izinketho ezi-2 ongazisebenzisa kulezi zimo:

1) Noma kunjalo, hambisa amadokhumenti atholakalayo esikhungweni sesikweletu. Ezimweni eziningi, ukulahla... Kodwa-ke, amanye amabhange avumela ukubanjiswa kwemali ngisho nasezimweni lapho inkokhelo imayelana 70% wemali engenayo.

Ngaphezu kwalokho, kunethuba lokuthola imvume yenani elingaphansi kwalelo elimenyezelwe. Kuyiqiniso, kulokhu, kuzodingeka ukhokhe inani elikhulu lokukhokha kokuqala, noma ukhethe indlu eshibhile.

2) Sebenzisa usizo lomthengisi wesikweletu. Kufanele kukhunjulwe ukuthi isikhathi ngasinye lapho ibhange linqaba ukukhipha imali ebanjiswayo, imininingwane ngalokhu idluliselwa kuyo Izikhungo zezikweletu.

Ngokwemvelo, idatha enjalo emlandweni wesikweletu ingathonya isinqumo sezikhungo zezikweletu ngokuzayo. Ngakho-ke, lapho ubona ukuthi kunezinkinga ezahlukahlukene, kufaka phakathi nezinga lemali engenayo, kungcono ukuxhumana ngokushesha nabachwepheshe.

Abadayisi bezikweletu bafunda ngokucophelela imininingwane kanye nemibhalo enikezwe ngumboleki. Ngemuva kwalokho, bagqugquzela umboleki wesikhathi esizayo lapho isikhungo sezikweletu okungenzeka ukuthi akwazi ukusithola okuhle isinqumo.

Abadayisi bazama ukwethula izinketho ezinjalo lapho inani lemalimboleko lingehliswa. Ngaphezu kwalokho, bazi kahle ukuthi imaphi amabhange angadingi izitifiketi, futhi kwanele ukuchaza imali engenayo ngomlomo.

Kumele kuqashelwe ukuthi abadayisi abanolwazi banokuxhumana nenani elikhulu lezikhungo zezikweletu. Ubambiswano olunjalo lukuvumela ukuthi usize amaklayenti athole inani elifanele lokubambisa ngempahla ngemigomo evumelana kakhulu.

Ngingayithola yini imali yokubolekwa kwemali yendlu enomlando wesikweletu omubi?

Ngenxa yokufunda okuncane kwezezimali kwabantu baseRussia, kanye nangenxa yesikhathi esibucayi, namuhla abaningi kakhulu banezinkinga ngomlando wabo wesikweletu. Kungokwemvelo ukuthi yilokhu okuvame ukudala ukwenqaba yezicelo zempahla ebanjiswayo. Ngakho-ke, ababoleki besikhathi esizayo bavame ukuba nombuzo, kuzokwenzeka yini ukuthi uthole imali ebolekiwe enomlando wesikweletu owonakele.

Okokuqala, udinga ukuqonda ukuthi ibhange cishe lizokwazi ngobugebengu besikhathi esidlule kumalimboleko wabathengi noma kumakhadi esikweletu. Noma ezimeni lapho i-solvency isishintshe yaba ngcono, iklayenti lizonikezwa noma ikuphi isimo sengcuphe enkulu.

Usakwazi ukusiza ukuhlela ukubolekwa kwemali abadayisi bezikweletu... Bayazi izinhlelo ezahlukahlukene zamakhasimende anomlando omubi wesikweletu. Ngakho-ke, kungamandla abo ukuthola imvume yokubolekwa kwempahla. ngisho esimweni esinjalo.

Kunoma ikuphi, imali yomthengisi ixhomeke kunani lemalimboleko abasize ekutholeni imvume. Le ndlela iqinisekisa ukuthi umthengisi uzokwenza yonke imizamo yokuthola isinqumo esikahle seklayenti lakhe.

Ngemininingwane yokuthi ungaboleka kuphi futhi kanjani ngomlando omubi wesikweletu ngaphandle kwezitifiketi zokuthola imali kanye nabaqinisekisi, funda enye yezindatshana zethu.

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Kuvela ukuthi lapho ufaka isicelo sesibambiso akufanele wesabe, into esemqoka ukuqala... Kubalulekile ukunquma ukuthi hlobo luni lwezindlu ofuna ukuzithenga futhi uqonde ukuthi lihambelana kangakanani neholo lakho.

Uma kuba sobala ukuthi kunezinkinga ezingakuvimbela ekufinyeleleni kwisisombululo esihle, kufanele uxhumane nabashintshi ngokushesha.

Umhlahlandlela oningiliziwe wokuthi ungayithatha kanjani imali ebolekiwe yendlu noma indlu

5. Ungayithola kanjani imali ebolekiwe yendlu, indlu noma enye indlu ngezinyathelo ezi-5 ezilula - imiyalo yesinyathelo ngesinyathelo 📑

Ukubhaliswa kwempahla ebanjiswayo - inqubo enzima futhi ende. Ngakho-ke, kubalulekile ukukwenza ngezigaba. Ngisho nangaphambi kokuqala inqubo, kufanele ufunde ngokucophelela imiyalo yesinyathelo ngasinye echaza i-algorithm yezenzo ezizothathwa. Kubalulekile futhi ukwazi ukuthi ungasifeza kanjani isinyathelo ngasinye ngendlela efanele ngangokunokwenzeka.

Ochwepheshe batusa ukuqala kwenqubo nge ukukhethwa kwe-real estatekuhlelwe ukuthengwa. Kulokhu, kuzocaca ukuthi imali ebanjwayo izodingeka malini, isitolimende sokuqala kufanele sibe yini. Eminye imingcele yokubolekisa nayo incike ezindlekweni zezindlu.

Isinyathelo 1. Ukukhethwa kwendawo

Labo abathathe isinqumo sokuthenga ikhaya ngempahla ebanjiswayo babhekene nombuzo: yimaphi amabhizinisi abolekisa ngamabhange?

Namuhla ungathola imali mboleko yempahla ebanjiswa cishe kunoma iyiphi impahla:

1. indlu esakhiweni esisha (isakhiwo esisha) noma emakethe yesibili;
2. ikotishi noma ikotishi lasehlobo;
3. indlu yangasese.

Amabhange nawo abolekisa ukubamba iqhaza ekwakhiweni okwabiwe ngakho... Ngaphezu kwalokho, kwezinye izimo, ungakhipha imali mboleko yokwakha indlu yakho.

Kulesi sigaba, obolekayo kufanele ahlole ngokucophelela amakhono akhe, kufanele aqondiswe kahle nezifiso zabo. Le ndlela ikusiza ukuthi ungaphoxeki ekuthengeni futhi ungazondi ukubanjiswa kwemali ngezinkokhelo ezimbalwa zenyanga.

Enqubeni yokukhetha ikhaya elizothengwa, izinhloso zomboleki wesikhathi esizayo zibaluleke kakhulu.

Inketho yokuqala - isakhamuzi kuthuthukisa izimo zokuphilaukuthenga ifulethi elinosayizi omkhulu noma elinendawo ehlonishwa kakhudlwana. Ngesikhathi esifanayo, njengomthetho, kukhona imali engenayo enkulu kakhulu. Ababolekisi abanjalo bavuma kalula ukuhlukana nezindlu ezintsha uma kuvela izinkinga.

Inketho yesibili - amacala lapho kukhishwa imali ebanjiswayo ngenhloso yokuthola okuwukuphela kwekhaya labo. Kulokhu, ababoleki benza yonke imizamo yokungalahlekelwa yimpahla yabo. Bazithatha ngokungathi sína izinkokhelo zemalimboleko.

Lapho ukhetha izindlu nomhlaba, kufanele kukhunjulwe ukuthi izikhungo zezikweletu zinezidingo ezibucayi zezakhiwo ezitholiwe.Ngezindleko zezimali ezibanjiswa ngempahla, ngeke kukwazi ukuthenga izindlu eziphuthumayo nezonakele, kanye nezindlu ezitholakala ngaphandle kweRussia.

Isinyathelo 2. Ukuthola isikhungo sokubolekisa kanye nohlelo lokubolekwa kwempahla

Lapho ukhetha isikhungo sesikweletu, umuntu kufanele abheke imigomo, futhi amakhono umboleki ongaba khona. Ngasikhathi sinye, kubalulekile ukuqonda ukuthi nakulezo zimo lapho isakhamuzi sasilithanda ibhange, lokhu akusho ukuthi nakanjani imali mboleko izokhishwa. Kalula nje, ukuze kuvunyelwe isicelo semalimboleko, kubalulekile ukufinyelela ekuqondeni phakathi kombolekisi nomboleki.

Ngaphandle kokuthi amanani enzalo emabhange amaningi acishe afane, asondele maphakathi nemakethe amanani, kuhlale kunethuba lokuthola izimo ezikhululekile zokubolekwa kwemali.

Izinzuzo zombuso uma zitholakala, kufanele uzisebenzise ezimweni lapho inqubo yokubhalisa izoba nzima kakhulu. Ngisho nokwehla okungasho lutho kwezinga lenzalo lapho kufaneleka uxhaso kuholela ukonga kakhulu... Kuyo yonke le minyaka, kuyajika kube inqwaba futhi ngisho amakhulu ezinkulungwane ama-ruble.

Kunamapharamitha amaningi okufanele uwaqaphele lapho ukhetha isikhungo sezezikweletu, kanye nohlelo lokubolekwa kwemali.

Imingcele eyinhloko yokukhetha isikhungo sezezikweletu:

1. ukwethembeka, kanye nedumela lebhange;
2. ubufakazi obuvela kumakhasimende wangempela asevele ekhiphe imali ebambisa ngalomuntu obolekayo;
3. inani lemali mboleko eliphakeme kakhulu;
4. inani lokukhokha phansi;
5. imibandela yokukhokhwa ngaphambi kwesikhathi ngokugcwele nangokugcwele, ubukhona bezinhlawulo zale nqubo;
6. isibopho sokwenza izinqubomgomo zomshwalense, kanye nenani lamaphrimiyamu omshwalense;
7. inani lezinhlawulo, kanye nenqubo yokuqongelela kwabo ekucabangeni kweqiniso lokubambezeleka.

Okwalabo amaholo abo angasebenzi ngokusemthethweni ngokuphelele, kufanele ukhethe lezo zinhlelo ezivumelayo thola imali mboleko engenazo izitifiketi nokuphepha.

Kukhona futhi nemibandela echaza ukukhishwa kwemali mboleko ngesisekelo sezitatimende zasebhange. Kodwa-ke, lezo zinhlelo zibandakanya amanani aphezulu wenzalo.

Isinyathelo 3. Ukulungiswa kwemibhalo edingekayo nokubhaliswa kwesicelo

Impumelelo enkulu yemalimboleko yempahla idizayini efanele iphakethe lamadokhumenti. Ibhange ngalinye lenza uhlu lwalo, noma kunjalo, kungenzeka ukuthi kukhethwe lokho okuphoqelekile kuwo wonke umuntu.

Uhlu lwamadokhumenti wokuthola imali ebanjiswayo, edingwa yizo zonke izinhlangano zezikweletu:

1. isicelo noma uhlu lwemibuzo lokuthenga ngempahla;
2. omazisi bomboleki uqobo, abaqinisekisi nababolekisa nabo;
3. ikhophi yencwadi yomsebenzi, eqinisekiswe ngumqashi wamanje;
4. isitifiketi sezinga lemali engenayo;
5. kosomabhizinisi abazimele, amalayisense afanele nezitifiketi;
6. imibhalo yendawo ehlelelwe ukuthengwa.

Ngoba isigaba esinelungelo lezakhamizi iphakethe lemibhalo lizoba likhulu ngokwengeziwe. Ngokwengeziwe, uzodinga amaphepha aqinisekisa ilungelo lezinzuzo, kanye nemvume evela kuziphathimandla zokusebenzisa imixhaso evela kusabelomali.

Isinyathelo 4. Ukusayina isivumelwano sokubolekwa kwempahla

Isigaba esibhekele kakhulu ukubhaliswa kwempahla ukwenziwa kwesivumelwano sokubambisa ngempahla... Ngaphambi kokusayina isivumelwano, kubalulekile ukusifunda ngokucophelela. kusuka okokuqala ngaphambi isigaba sokugcina.

Ukunakwa okukhethekile kufanele ukhokhe lezo zingxenye ezibhalwe ngamagama amancane. Inketho ephelele - thatha isampula lesivumelwano ngaphambi kwesikhathi bese ulitadisha ekhaya. Kungcono - ake ummeli onolwazi afunde isivumelwano.

Kungenxa yesivumelwano sesibambiso lapho umboleki ethola ilungelo lokudlulisa imalimboleko ayitholile ukukhokha indawo yokuhlala ayitholile.

Ngasikhathi sinye, ungakukhohlwa lokho kuze kube ukugcwaliseka okuphelele kwezibopho ngaphansi kwesivumelwano sokubambisa ngempahla, impahla izotholakala wathembiswa yibhange... Ngaphandle kwemvume kumbolekisi, umboleki ngeke akwazi ukuyilahla ngokuthanda kwakhe. Lokho wukuthi, ngeke akwazi ukuthengisa, ukunikela noma ukushintshanisa ifulethi elithengiwe.

Isinyathelo 5. Ukuqedwa kokuthengiselana

Umthetho waseRussia ubeka isibopho sokuqinisekisa ifulethi elithengwe ngesibambiso. Kodwa-ke, izinhlangano zamabhange ngokuvamile azigcini ekuqinisekiseni isibambiso. Imvamisa bafuna ukukhipha inqubomgomo futhi ye- umshuwalense wokuphila, impilo nezinye izingozi ezingaba khona. Ngokwemvelo, kuzodingeka ukhokhele umshwalense ngamunye.

Ibhange alinalo ilungelo lokuphoqa ukuphothula ezinye izinkontileka zomshwalense. Kodwa-ke, ukuze banciphise izingozi zabo, ababolekisi benza yonke imizamo yokuphoqa obolekayo ukuthi athenge inqubomgomo. Ngakho-ke, uma kwenzeka wenqaba ukuqinisekisa noma iyiphi ingozi, ibhange lingakhuphula inani lenzalo.

Isigaba sokugcina sokubhaliswa kwempahla ngu ukubhaliswa kwenkontileka yokuthengisa ingcebo ku Nokwanda... Ngasikhathi sinye, kwenziwa omunye umbhalo obalulekile, obizwa ngokuthi imali ebanjiswayo... Lesi sivumelwano siqinisekisa ukuthi kukhona okukhona.

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Ngakho-ke, ukubhaliswa kwempahla ebanjiswayo kuyinqubo elawulwa ngokuphelele. Ukwazi inqubo yesinyathelo ngesinyathelo kwenza kube lula kakhulu ukuthenga ingcebo ngesikweletu.

Ama-nuances nezici zokubhaliswa kwempahla ebanjiswayo esizeni somhlaba

6. Izici eziyinhloko zokubambisa umhlaba land

Kubambiso, ungathenga hhayi kuphela izindlu zokuhlala, kepha futhi indawo yomhlaba... Ukubolekisa okunjalo kunama-nuances amaningi. Ngaphandle kokubheka izici ezibaluleke kakhulu, ukubanjiswa kwezakhiwo zomhlaba akunakwenzeka. Noma ezimeni lapho okwenziwayo kusenziwa, kuzobe kungahambisani nomthetho.

1) Izici zendaba yendaba yemalimboleko

Isigaba sokuqala sokubanjiswa kwesakhiwo somhlaba ukuhlonza izici eziyinhloko zendaba yesikweletu. Isidingo salokhu kungenxa yokuthi yile ndlela eyenza sikwazi ukuqonda ukuthi ingabe isiqeshana esithile somhlaba singathengwa ngesikweletu.

Isiza somhlaba kufanele sihlangabezane nezici ezithile:

1. akukho ukuvinjelwa kwemali engenayo;
2. ayikho imikhawulo.

Uma isihloko sempahla engabanjiswa yilezi zindlela ezimbili, ukubolekiswa kungathathwa njengokuphulwa komthetho weRussian Federation. Zombili lezi zinqubo kuxoxwa ngazo kabanzi ngezansi.

1. Umkhawulo wenzuzo yesiza somhlaba

Imithetho yokubambisa ngempahla ibeka ukuthi isihloko sesibambiso asikwazi ukuba yimpahla okuthi nganoma yisiphi isizathu ikhawulelwe ekusakazeni noma ihoxiswe kuyo. Lokhu kusebenza nasekubolekisweni kwemali yokuthengwa kweziza zomhlaba.

Ngokuya ngomthetho womhlaba, kungahlukaniswa iziqephu ezithile lapho kusebenza umkhawulo wenzuzo:

• iziza zezikhwama zehlathi;
• umhlaba wezolimo;
• amasayithi angcoliswe izinto ezinemisebe, kanye neminye imfucuza enobungozi;
• izindawo esezehlisiwe.

2. Ukwenqatshelwa ibheyili

Lapho kunqunywa ukuthi ngabe isiqeshana somhlaba singaba ngendaba yemali mboleko, kufanele kukhunjulwe ukuthi umthetho uyakwenqabela ukuthatha izinto ezithile njengesibambiso. Lokhu kufaka phakathi, phakathi kokunye:

• Amazwe angaphansi kukahulumeni noma umasipala. Ukuvinjelwa kokudluliswa kweziza ezinjengesibambiso kuchazwa ngesidingo sokugcina ubuqotho bendawo yezwe lethu, kanye nokuvikela umhlaba ongaphansi kukahulumeni. Uhulumeni unelungelo lokudlulisela lezo zindawo ekuphathweni kwezomnotho nokusebenza.
• Ingcezu yomhlaba engaphansi kwendawo encane. Lesi sikhombisi sinqunywa yizenzo ezijwayelekile ezitholwa yizinhlangano zeRussian Federation, kanye nohulumeni basekhaya. Lokhu kusebenza ezindaweni ezinokusetshenziswa okuhlukahlukene okuvunyelwe nokuqokiwe. Ukulinganiselwa kungenxa yokuthi ezifundeni ezahlukahlukene isabelo somhlaba osetshenzisiwe sihlukile. Yingakho imingcele ephansi nangaphezulu yendawo yeziza zomhlaba ingafani.

2) Ezinye izici zempahla ebanjisiwe yomhlaba

Ngaphezu kwezici ezichazwe ngempahla ebanjiswe ngempahla yomhlaba, ehlotshaniswa nesihloko sesibambiso, kunezinye, futhi izici ezibaluleke kakhulu.

Ukukhathazeka kokuqala isilinganiso sesibambiso somhlaba nesakhiwo... Emazweni amaningi athuthukile, ukubolekwa kwemali esizeni somhlaba kusho nokuthembiswa kwazo zonke izakhiwo ezikuyo.

Ngokungafani namazwe angaphandle, umthetho waseRussia uyabelana 2 uhlobo lwesibambiso – umhlaba futhi izakhiwo... Kuvela ukuthi ngokubolekwa kwesiza somhlaba, izakhiwo ezakhiwe kuso zethembisiwe HHAYI kukhona.

Kungokwemvelo ukuthi indlela enjalo yethula ukungalingani. Ngakho-ke, ezimweni eziningi, amaqembu entengiselwano azama ukudweba isibambiso kanyekanye esakhiweni somhlaba nasezakhiweni.

Ezimweni lapho inkontileka ingahlinzeki ngesibambiso ngasikhathi sinye, uma umhlaba udliwe, ilungelo lesakhiwo elikuyo lihlala nomnikazi. Ngaphezu kwalokho, kuleli cala, engxenyeni yomhlaba ehlala ukwakhiwa, umthengi obambise ngemali elula(ilungelo lokungena ngesiza esakhiweni esikuyo).

Isici sokugcina esibalulekile semalimboleko yempahla yokuthenga umhlaba yilezi eminye imibhalo, futhi imigomo nemibandela yenkontileka... Bangabizwa ngokufanelekile ngezici zemali mboleko yomhlaba. Uma okungenani eyodwa yamaphoyinti ilahlekile, isiphathimandla sokubhalisa sinelungelo lokwenqaba ukwenza ukubhaliswa kombuso kwamalungelo esiza.

Izimo ezingeziwe zokuqukethwe kwesivumelwano sokubambisa ngendawo yomhlaba

Ngokwesiko ukuhlukanisa 2 imibandela eyengeziwe yokubolekwa kwesakhiwo somhlaba:

Isimo 1. Ukulinganiswa kwepulani lomhlaba elithengwe ekubanjisweni kwemali akumele kube ngaphansi kwenani elijwayelekile. Ngamanye amagama, umhlaba awukwazi ukubiza ngaphansi komkhawulo wezindleko eziphansi. Lapho kubalwa izindleko ezijwayelekile, okokuqala, kuyacatshangelwa indawo yangempela.

Ngaphezu kwalokho, izici ezikhethekile zibhekwa:

• izici zokusiza;
• izici zenhlabathi;
• indawo.

Kubalulekile ukunakisisa lezi zici. Ungakhohlwa ukuthi ukubalwa okungalungile kwalezi zinkomba ngokuvamile kuba yimbangela yamacala. Ngokwenzayo, kunamacala lapho, ngenxa yencazelo engalungile yemingcele yesakhiwo, inkantolo yanquma ukuphuca umnikazi ilungelo lokuyisebenzisa unomphela.

Isimo 2. Ukuba khona kwesijobelelo esivumelwaneni semali mboleko.Sisebenza njengokwengeza kuhlelo, olubonisa imingcele yesiza. Umdwebo onjalo uyakhishwa ikomidi lezemihlaba.

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Ngakho-ke, ukubolekwa kweziza zomhlaba kunezici eziningi. Kubalulekile ukuthi uwafunde ngokucophelela ngaphambi kokufaka isicelo semalimboleko.

7. Kukuphi okungcono ukuthola i-mortgage (imalimboleko yempahla ebanjiswayo) - Amabhange we-TOP-5 anezimo ezinhle zokubolekwa kwemali 📊

Namuhla, inani elikhulu lezinhlelo zokubambisa ngempahla lisebenza ezimakethe zezezimali. Ngaphezu kwalokho, imvamisa, noma ngaphakathi kohlaka lwesikhungo esisodwa sezikweletu, kunezimo eziningi ezahlukahlukene ezenziwayo.

Esimweni esinjalo, kungaba nzima ukukhetha ibhange elinezimo ezinhle kakhulu. Izikhundla ezihlanganiswe ochwepheshe zingasiza ukubhekana nalo msebenzi onzima. Ngakho-ke, kuliphi ibhange okungcono ukuthatha isikweletu semali, sizobheka ngezansi.

Amabhange aqinisekisiwe anezimo ezinhle kakhulu zokubolekwa kwempahla:

№	Inhlangano yezikweletu	Uhlelo lwempahla ebanjiswayo	Izinga lenzalo,% ngonyaka
1	Ibhange laseMoscow	Izakhiwo ezintsha ezinoxhaso lukahulumeni	11,75
2	I-DeltaCredit	11.5% wezakhiwo ezintsha	11,50
3	IGazprombank	Amafulethi, izindlu zasemadolobheni ezinokuxhaswa nguhulumeni	11,00
4	I-Ugra	Izinga lokubolekwa kwemali	10,90
5	I-Tinkoff	Izakhiwo ezintsha ezinoxhaso lukahulumeni	10,49

Sesibhalile mayelana nokuthi kunenzuzo enkulu ukuthola imali mboleko yezindlu nokuthi yiliphi ibhange okuyilo elibambise kakhulu ngemali yendlu - sincoma ukuthi uzijwayeze ngayo.

8. Ungasifaka kanjani isicelo semali mboleko ku-inthanethi? 💻

Ezweni lanamuhla, inani elikhulu lemibuzo nezinkinga zixazululwa kusetshenziswa amandla e-Intanethi. Lokhu kusebenza nasezimalini zokubambisa.

Ukuthumela uhlelo lokusebenza nge-Intanethi kuyindlela elula kakhulu yokuthola imalimboleko. Kuphelele kulabo abangenaso isikhathi samahhala.

I-algorithm yezenzo zokubhaliswa kwesicelo esiku-inthanethi sesibambiso nge-Intanethi

Ukubhaliswa kwempahla ebanjiswayokumodi eku-inthanethi ivumela umboleki ukuthi agweme isidingo sokuvakashela amahhovisi enani elikhulu lamabhange. Ngaphandle kokuchitha isikhathi ngokubonisana nezikhulu zemalimboleko, obolekayo ngokuzimela ubala imingcele yemalimboleko ehlukahlukene yempahla ebanjwayo, azihlaziye futhi aziqhathanise.

Usebenzisa a abazinikezele wokubala kwempahla, unganquma kalula inani elilinganisiwe lenkokhelo yanyanga zonke, inani lokukhokha ngokweqile namanye amapharamitha abalulekile. Izibalo ezenziwayo zisiza ofaka isicelo ukuthola ukuthi angathola malini ngempela kwimalimboleko yempahla ebanjiswayo.

Kubalulekile ukuqonda ukuthi lapho kunqunywa inani lesikweletu, kubhekwa le mingcele elandelayo:

1. izinga lemali engenayo;
2. izimali ezitholakalayo, ezizosetshenziselwa ukukhokha kokuqala.

Kubalulekile futhi ukunquma isikhathi semalimboleko. Hhayi kuphela ubukhulu benkokhelo obuzoncika kuyo, kodwa futhi nenani lokukhokha ngokweqile.

Isikhathi sokubuyiselwa kwemali ebanjisiwe sinqunywa ngamapharamitha ambalwa:

• inani lemalimboleko;
• isilinganiso senzalo;
• izinga le-solvency, elithinta ubukhulu benkokhelo.

Usayizi wokukhokhwa ngokweqile nawo ungumphumela obalulekile wezibalo. Obolekayo kufanele angabheki izinga elizwakala kuhlelo, kodwa ngempumelelo... Ngamanye amagama, inani lokukhokha ngokweqile alithonywa kuphela yi inzalo enqwabelenekepha futhi kwehlukile ikhomishini, futhi izinkokhelo ezengeziwe, kufaka phakathi umshuwalense.

Ukubala imali ebanjisiwe, ungasebenzisa noma iyiphi wokubala inthanethi... Amasayithi amaningi ezezimali abamba izinhlelo ezifanayo emakhasini abo asekhaya.

Isibonelo sesicelo esiku-inthanethi sokubambisa ngempahla ngokusebenzisa iwebhusayithi esemthethweni yebhange - ukubalwa kusetshenziswa isibali sokubala semalimboleko

Ungakhohlwaukuthi ukuze uthole idatha ethembeke kakhulu, udinga ukwazi kahle Hhayi kuphela isilinganiso kanye nenani elidingekayo lokukhokha phansi. Okubalulekile futhi ubhekele zonke izinkokhelo ezengeziwe namakhomishini, ama-premium akhokhelwa ahambisana nohlelo olukhethiwe.

Imvamisa, ukubalwa kusetshenziswa isibali sokubalwa kwempahla kuyacatshangelwa. Ukuthola idatha enengqondo kunazo zonke, kungcono ukubhekisa ku- isikweletu ibhange elithile.

Qaphela. Uma utadisha ulwazi olwethulwe kwi-Intanethi, imibuzo isasele, ungahlala ushayela izinombolo ezibonisiwe. Le ndlela ikuvumela ukuthi ucacise ngokushesha amaphuzu angacacile.

Isinyathelo esilandelayo ukugcwalisa isicelo semalimboleko yempahla ebanjiswayo... Kungcono ukufaka izicelo emabhange amaningi ngasikhathi sinye. Lokhu kuzokusindisa isikhathi esiningi. Uma kwenzeka wenqatshwa esikhungweni esisodwa sezezikweletu, ngeke kudingeke uqale ukusesha kwakho kwasekuqaleni bese ulinda ukucatshangelwa, okungaba yinde impela lapho ufaka isicelo semali mboleko.

Uma isinqumo esihle senziwa ngamabhange amaningana, kwanele ukuqhathanisa iziphakamiso ezitholiwe. Ngemuva kwalokho, kukhethwa inketho ehamba phambili, konke okunye akunakwa.

Ukufaka isicelo, vele uvakashele iwebhusayithi yebhange elikhethiwe. Ngokwesiko, kulapho kugcwaliswa khona uhlu lwemibuzo lomuntu ongaba umboleki.

Imininingwane elandelayo ifakiwe kwisicelo semalimboleko:

• imininingwane yomuntu ofaka isicelo;
• indawo yokusebenza nezinga lemali engenayo;
• ukwakheka komndeni kanye nemali engenayo ephelele;
• inani lezibopho;
• imininingwane ephathelene nempahla ehlelelwe ukuthengwa.

Imvamisa, isicelo semali mboleko sinemininingwane eminingi kunesimalimboleko sabathengi. Ngaphezu kwalokho, kubhekwa njengesikhathi eside. Lokhu kuchazwa yisikhathi eside kanye nenani lemalimboleko. Ngokwesiko isikhathi sokucatshangelwa amabanga kusuka ku- 1 ngaphambi 7 izinsuku.

Ukubuyekezwa kwabathengisi bemalimboleko abanikezela ngosizo lwempahla ebanjiswayo

9. Ngubani ohlinzeka ngosizo ekutholeni isikweletu sendlu - ukubuka konke kwe-TOP 5 brok brokers 💡

Akuwona wonke umuntu ongafaka isicelo semalimboleko yempahla eyedwa. Le nqubo idinga izindleko zesikhathi esibalulekile, ukugxila kokuziphatha... Ngaphezu kwalokho, ngokuqonda okufanele kwezimpawu zenqubo eyinkimbinkimbi yokubolekwa kwempahla, okungenani ulwazi oluncane lwezezimali... Kungokwemvelo ukuthi akuwona wonke umuntu onamakhono anjalo.

Kodwa-ke, akufanele ulahle umbono wokuthenga ikhaya ngokufaka isicelo semalimboleko yempahla ebanjiswayo. Isixazululo esingcono kakhulu kungaba ukusebenzisa usizo lomxhumanisi oqeqeshiwe phakathi komboleki nesikhungo esibolekisayo. Lokhu yikho kanye okubizwa umthengisi wempahla ebanjiswayo.

Uchwepheshe onjalo uvame ukwazi izici zenombolo enkulu izinhlelo zokubambisa ngempahlaemakethe. Uyakwazi ukusiza noma ngubani ofuna ukukhetha inketho yemalimboleko efaneleke kakhulu futhi enenzuzo.

Imvamisa emadolobheni amakhulu kukhona izinhlangano eziphelele zokulamulaabahlinzeka ngezinsizakalo zabathengisi bezikweletu. Emiphakathini emincane, abalamuli abanjalo bangatholakala kuma-ejensi amakhulu wezezindlu.

Esifundeni saseMoscow, ochwepheshe bayahlukanisa Izinkampani ezi-5, okungabaholi abaziwayo emakethe yezentengiselwano. Lokhu kuxoxwa ngakho ngezansi.

1) Isikweletu se-LK

Ngaphandle kokuthi lo broker mncane emakethe, sekuvele kutholakale idumela elihle. Akukho ukukhokha kusengaphambili okudingekayo kumakhasimende akule nkampani. Inkokhelo yezinsizakalo ezinikeziwe yenziwa kuphela ngaphakathi kohlaka lwenkontileka ephelile.

2) IKommersant-Isikweletu

Abasebenzi bakule broker okukhulunywa ngabo banolwazi ekuphathweni nasezinsizeni zokuphepha kwamabhange ahlukahlukene.

Ngenxa yalokhu, lapha imali mboleko yaziwa ngaphakathi.

3) Insizakalo Yezisombululo Zesikweletu

Inkampani eyethulwayo isebenza ngempumelelo emakethe nge 2010 konyaka.

Le nkampani ihlinzeka ngezinsizakalo zokuhweba kuzo zombili abantu nezinhlangano ezisemthethweni.

4) Ukukhethwa kwesibambiso

Umthengiseli owethulwe wasungulwa ngo 2012 unyaka.

Bobabili abantu nezinkampani baqinisekisiwe ngesinqumo esihle kuzicelo emabhange aseMoscow.

5) I-laboratory yezikweletu

Zonke izisebenzi zenkampani zinolwazi olukhulu. Bayakwazi ukulungiselela amaklayenti abo noma yikuphi, ngisho nezidingo eziqondile kakhulu zababolekisi.

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Kungakuhle ukuthi usebenzise usizo lomthengisi hhayi kuphela ngenjongo yokonga isikhathi nezinzwa. Abalamuli basiza ukuhlela imali ebanjiswayo ezimweni ezingejwayelekileeziyinkimbinkimbi nganoma yiziphi izinto ezingezinhle. Kwezinye izimo, izinkampani ezinjalo azisebenzi njengabaxhumanisi kuphela, kepha futhi njengeziqinisekiso zamakhasimende abo.

Lapho uthinta abadayisi, kubalulekile ukuhlola ngokucophelela idumela labo. Lokhu kuzosiza ukugwema ukubambisana nabakhwabanisi. Ngaphezu kwalokho, akufanele udlulise imali ukukhokhela izinsizakalo. ngaphambi umzuzu wokuthola imali mboleko.

Iseluleko esisebenzayo sokuthi ungasithatha kanjani isikweletu semali ngendlela efanele futhi sizuze

10. Ungayikhipha kanjani kahle imali ebolekiwe - izeluleko ezi-5 eziwusizo ezivela kochwepheshe 💎

Ukubolekiswa kwempahla ebolekiwe kudume kakhulu namuhla. Ngokwemvelo, akuwona wonke umuntu onqume ukuyiklama onemfundo ekhethekile - ezezimali noma zomthetho... Ngakho-ke, kuyadingeka ukusondela ekubhalisweni kwesibambiso sendlu ngokungathi sína futhi uzilungiselele.

Ukuthola imali mboleko enhle kakhulu kungaba nzima. Ukonga izinzwa zakho nesikhathi, kanye nokuthenga impahla yakho ngaphandle kwezinkinga ezingadingekile, kubalulekile funda ngokucophelela ama-nuances abaluleke kakhulu wokuthengiselana okwamanje NGAPHAMBI ukufaka isicelo.

Ngaphezu kwalokho, ngeke kube ngokweqile ukulalela izeluleko zochwepheshe. Le ndlela izogwema iningi lezinkinga.

Ithiphu 1. Udinga ukukhipha imali ebolekiswayo ngemali lapho kutholwa imali engenayo enkulu

Umthetho omkhulu lapho ufaka isicelo semalimboleko yanoma yiluphi uhlobo ukuphothula izinkontileka kuphela ngohlobo lwemali lapho obolekayo ethola khona inkokhelo. Incazelo ilula - lapho uthola imali engabanjiswa ngemali yakwamanye amazwe ukukhokhela imalimboleko, kuzofanele uyithole usebenzisa izimpahla zeruble.

Ngaphezu kwalokho, kukhona ingozi yokukhula... Lesi simo sizoholela ekwenyukeni kwemali ekhokhwa njalo ngenyanga. Lokhu kusongela hhayi kuphela ukwehla kwe-solvency, kodwa futhi nokuwa okuphelele komkhokhi.

Kwakunesimo esinjalo lapho labo ababethokoziswa ngezinga eliphansi futhi bangena 2013-2015 iminyaka ngikhiphe imali ebolekiwe ngemali yakwamanye amazwe. Ukwanda okukhulu kwezinga lokushintshisana kuholele ekutheni, ngokwama-ruble, izinkokhelo zikhuphuke cishe Izikhathi ezi-2... Ngasikhathi sinye, umholo awukashintshi.

Umphumela ezimweni eziningi udabukisa - ababoleki abakwazi ukufeza ngokugcwele izibopho zabo. Abantu abaningi bekufanele bathengise ifulethi abalithengile ngokubambisa ngempahla.

Ithiphu 2. Ungakhulumi ngamandla akho ezezimali

Akufanele uthathe isinqumo ngokushesha sokuthenga ifulethi elikhulu uma izinga leholo lakho lingakuvumeli ukusebenzisa imali enkulu njalo ngenyanga ekuseleni imali mboleko.

Emkhakheni wezezimali, umthetho uwukuthi - izindleko zokuhlinzeka izibopho ezenziwe azifanele zibe ngaphezulu 30-40% imali engenayo... Inani elibucayi lalesi sikhombisi ngu 50%. Uma ukukhokhelwa kwempahla engaphezulu kwengxenye yemali etholwayo, nakanjani lokhu kuzoholela ekonakaleni kwezimo ezijwayelekile zokuphila.

Abantu abaningi baseRussia bayakhohlwa ngalo mthetho ongenhla. Abaningi bathatha imali mboleko yezindlu ngenkokhelo edlula leyo 70% wemali yabo engenayo. Bakholelwa ukuthi into esemqoka ukuthenga ifulethi ngaphandle kokucabanga ukuthi bazoyikhokha kanjani imali ebolekiwe.

Ngenxa yalokhu, impilo ephelele ayibuzwa. Uma inkinga ingezwa esimweni sezezimali esivele sishubile, ukubambezeleka... Umphumela uwukuthi umlando wesikweletu esibi.

Isiphetho esibaluleke kunazo zonke siziphakamisa. Awukwazi ukweqisa amakhono akho ezezimali. Izimo zokuphila kufanele zenziwe ngcono kancane kancane.

Okokuqala, ungafaka isicelo sokubambisa ngempahla inani elincane elidingekayo ukuthenga ifulethi elincane. Kungenzeka ukuthi ngesikhathi sokukhokha ngokuphelele, isimo emakethe yokubolekwa kwempahla sizoshintsha.

Namuhla, kunomkhuba owehlayo kumanani. Ngakho-ke, ngokunokwenzeka, ngokuzayo kuzokwenzeka ukuthi kutholakale imali yokuthenga ngempahla ngendlela evumayo. Ngemuva kwalokho kufanele, uma ufisa, ukushintsha ifulethi elincane libe likhulu.

Ithiphu 3. Kubalulekile ukukhetha isikhathi esikahle sokufaka isicelo sokubambisa ngempahla

Kunoma ikuphi ukuthengiselana kwezindlu, kubalulekile ukukhetha isikhathi esifanele. Kuyafana nokufaka isicelo semalimboleko yempahla ebanjiswayo.

Imvamisa, isimo ngokuthengwa kwezindlu singakuhlehliswa isikhathi esithile. Esimweni esinjalo ukuthenga ifulethi ngemali yezimali ezibolekiwe kufanele kube yilezo zikhathi lapho ukuwafunwa kwazo kwehla.

Ngokufanelekile, kufanele ulinde isidingo esincane ukuze uqiniseke ukuthi isivumelwano siqediwe ngesikhathi esihle kakhulu.

Kungaba okungalungile ukuthola isikweletu sendlu futhi uthenge ifulethi lapho imakethe imatasa. Kulesi simo, kungenzeka kakhulu, ngokuhamba kwesikhathi, lapho inzalo ye-real estate yehla futhi amanani entengo ehla, obolekayo uzoqala ukuluma izindololwane zakhe.

Ithiphu 4. Kufanele ufunde inkontileka ngokucophelela ngangokunokwenzeka ngaphambi kokusayina

Ukuthi isivumelwano kufanele sisayinwe kuphela ngemuva kokutadisha ngokucophelela, wonke umuntu uyazi. Kodwa-ke, akuyona yonke le mithetho ebonwa. Ngaphezu kwalokho, kungalesi sivumelwano lapho kuchazwa khona izimo eziyisisekelo zokubolekwa kwempahla, okuyizici zokuthengiselana okuthile.

Ukunakekelwa okukhethekile ngesikhathi kufundwa lesi sivumelwano kufanele kukhokhwe ezingxenyeni ezihlobene nazoizindleko ezengeziwe... Ababoleki abaningi abazimisele ngokuhlukahluka amakhomishini futhi amaphrimiyamu omshwalense.

Ngasikhathi sinye, amabhange ngokuvamile adinga umshwalense minyaka yonke ezinkampanini ezithile. Umphumela uba ukwanda kwezindleko zemali mboleko ngokwesilinganiso ngu 1% ngonyaka. Ukukhokhwa ngokweqile okunjalo kuza njengesimanga esingemnandi kubabolekisi abanganakile.

Ithiphu 5. Udinga ukukhathazeka ngokwakha i-airbag okuthiwa

Izimali kufanele zigcinwe kwi-akhawunti ehlukile (mhlawumbe idiphozi) enanini lezinkokhelo eziningana zenyanga. Inani elifanele ngu kusuka ku-3 kuya ku-6 izitolimende zemali mboleko.

Ngasikhathi sinye, kunezizathu eziningana zokuthi kungani le mali kungafanele ifakwe ukuze ikhokhwe ngaphambi kwesikhathi:

1. Amabhange amaningi awathandi ukukhokha isikweletu ngaphambi kwesikhathi futhi asethe inqubo enjalo amakhomishini angeziwe... Ngakho-ke, kuba yinzuzo ukwenza ukukhokha okuncane okuncane ngaphambi kwesikhathi kaningi.
2. Uma idiphozi inqanyulwa ngaphambi kwesikhathi, iklayenti ezimweni eziningi lilahlekelwa inzalo esivele iqongelelwe.

Ngakho-ke, kungcono ukugcina imali enjalo kwi-akhawunti ehlukile. Bangaba ukusekelwa okuphumelelayo lapho kuvela ubunzima..

Noma lapho obolekayo elahlekelwa ngumsebenzi, ngosizo lwe-airbag, angaqhubeka nokukhokha imali yokubambisa ngesikhathi.

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Ngakho-ke, ngokulalela izeluleko zochwepheshe, ungasiza kakhulu ukugcwaliseka kwezibopho zempahla yakho.

11.Imibuzo Ebuzwa Njalo (FAQ) 📢

Ukuthola isikweletu semali mboleko akuyona into elula. Ngakho-ke, ngisho nezeluleko zochwepheshe ngokuvamile azanele. Imvamisa, kuvela izimo ezingejwayelekile ezifuna isixazululo esisheshayo. Kungakho ngokuqhubekayo esihlokweni uzothola izimpendulo zemibuzo ebuzwa njalo.

Umbuzo 1. Iyini inzalo yemali mboleko?

Kubalulekile kuwo wonke umuntu onquma ukuthola isikweletu sendlu ukuze azi ukuthi yini ukubuyiselwa kwenzalo... Ngokuya ngemithetho yaseRussia, umboleki unelungelo lokubuyisa ingxenye ethile yemali evela kuye ukukhokha isikweletu.

Akuwona wonke umuntu oqondayo ukuthi kuzokwazi ukubuyisa hhayi izinkokhelo ngokwazo, kodwa ingxenye kuphela yentela engenayo enanini elabelwe izindleko ezinjalo. Le nqubo ibizwa ngokuthi ukubanjwa kwempahla.

Obolekayo unelungelo lokuthola isinxephezelo ngenani le- 13% kusuka enanini lenzalo ayikhokhele ekubambeni kwemali ngonyaka wekhalenda odlule. Ilungelo lokubanjwa liyavela kuphela ezimweni lapho obolekayo ethola imali eRussia Federation ekhokhiswa intela ngesilinganiso 13%.

Izimbuyiselo azenziwa yisikhungo sezikweletu, kepha senziwa nguhulumeni. Ngakho-ke, ukuze uthole imali edingekayo, kufanele uxhumane ehhovisi lentela.

Umbuzo 2. Ngifuna ukukhipha isikweletu semali mboleko yegumbi. Kungenzeka yini?

Akuwona wonke umuntu ongakwazi ukukhokhela imalimboleko yempahla ebiza izigidi ezimbalwa. Kepha lokhu yikho impela okuzothatha ukuthenga ifulethi eligcwele. Ngendlela, sabhala phambilini mayelana nokuthi ungalithenga kanjani ifulethi kwindlu nokuthi uzoqala kuphi inqubo yokuthenga ikhaya elizayo.

Uma usafuna ukuba nekhaya lakho, kunendlela eyodwa kuphela yokuphuma - thola isibambiso segumbi... Inketho efanayo ilungele ukusetshenziswa Imali yokubelethisa... Akuwona wonke umuntu okwazi ukukhokha isikweletu semali esigcwele uma kunengane eyodwa noma ngaphezulu emndenini.

Imvamisa, abatshalizimali abanesilinganiso esincane semali babheka amakamelo njenge inketho ethembisayo yokutshala imali... Le ndawo ingaqashwa. Ngemuva kokukhokhwa okugcwele kwemali ebanjisiwe, igumbi lingathengiswa.

Ngaphezu kwalokho, lapho uthenga igumbi lokulala kunethuba lokushaya Uhlelo lokuhlala kabusha uma kwenzeka kuthatha isinqumo sokuyibhidliza. Ngenxa yalokhu, uma uthenge indawo engaphelele ngokuphelele, ungaba ngumnikazi wefulethi elihle. Ngendlela, imvamisa ngesikhathi sokuhlaliswa kabusha kwabantu, izindlu zinikezwa ezakhiweni ezintsha.

Zonke lezi zizathu ezingenhla ziholela ekutheni udaba lokusebenzisa lolu hlobo lokubolekisa luhlala lusebenza.

Ukwenza isibambiso sokuthengwa kwegumbi kunezici eziningi:

• Ukuthola ibhange elizovuma ukukhipha imali mboleko yokuthenga igumbi akulula. Lokhu kuhlobene ngqo nendaba yemalimboleko ebanjiswayo. Ukutholakala kwemali emakethe yezindlu ezithengiswayo kungaphansi. Ngakho-ke, uma imalimboleko ingakhokhiwe, ngeke kube lula ukuyithengisa. Lesi simo sandisa kakhulu ubungozi bombolekisi.
• Izinzuzo zebhange ngokuthengiselana okunjalo zincane. Izindleko zokubhaliswa kwezindlu zibaluleke impela, futhi inzalo etholakele ayibalulekile. Lokhu kuyiqiniso ikakhulukazi lapho ingxenye yesibambiso sikhokhelwa ngaphambi kwesikhathi esimisiwe ngemali yenani lokubeletha.

Noma kunjalo, zikhona amacala lapho izikhungo zesikweletu zikushisekela kakhulu ukubolekisa ukuthenga igumbi:

1. Endabeni yokubolekwa kwemali ekuvikelekeni kwenye impahla eyigugu, elinganayo ngenani noma ebiza kakhulu kunendawo ethengiwe.
2. Uma umboleki ongaba khona, ngenxa yezimo ezithile, ungumnikazi wefulethi lonke, ngaphandle kwekamelo elihlukile. Kulokhu, ibhange lizimisele ngokwengeziwe ukwenza isivumelwano.

Labo abathatha isinqumo sokuthenga igumbi ngesikweletu kufanele bakhumbule ukuthi awekho amabhange amaningi akhipha imali ebanjiswayo ngezinhloso ezinjalo.

Amabhange nemigomo yawo yokubolekwa kokuthengwa kwamakamelo yethulwe etafuleni:

Inhlangano yezikweletu	Linganisa	Ithemu lesibambiso	Inani	Ezinye izimo
I-Sberbank	13,45%	Iminyaka engama-30	Ngamunye	Uhlu lwamadokhumenti lufana nokubanjiswa kwendabuko
SKB Bank	14%	Iminyaka eyi-12,20,30	Kusuka kuma-ruble angama-350,000	Ungaheha kuze kube kubabili ababolekisa ngokubambisana
IMTS Bank	Ngamunye	Uneminyaka engu-3-25 ubudala	300 000 – 25 000 000	Isitolimende sokuqala kufanele sibe ngu-10-85%
Ibhange laseMoscow	Kusuka ku-14%	Uneminyaka engu-1 kuye kwengu-30 ubudala	Ngamunye	Akuxhasi imali yokuthengwa kwamakamelo ezindlini zokulala, ungathola isikweletu sendlu yegumbi efulethini Inkokhelo ephansi ayikho ngaphansi kuka-20%
RosEvroBank	Kusuka ku-13.5%	Uneminyaka engu-1 kuye kwengu-20	EMoscow naseSt. Petersburg kuze kube yizigidi ezingama-20, kwezinye izifunda - kuze kufike ku-10	Kukhona uhlelo lokwehlisa izinga libe ngu-11.75%
TransCapitalBank	Kusuka ku-13.5%	Ngaphansi kweminyaka engu-25	500 000 – 20 000 000
I-Bank Zenith	21,5% — 26%	1 kuya ku-25 ubudala	EMoscow kuze kube yizigidi eziyi-14, ezifundeni kuze kufike ku-10	Ukukhokha okuphansi okungenani okungu-20%

Umbuzo 3. Yini oyidingayo ukuze uthole imali yokubambisa ngempahla kumadokhumenti amabili? Ziyini izimo zayo?

Abantu abaningi baseRussia bangathenga amakhaya abo, kuphela ukukhipha imali ebanjiswayo. Lokhu kuvame ukuba inqubo ende kakhulu edinga ukuqoqwa kwenani elikhulu lemibhalo. Kodwa-ke, namuhla inani elikhulu lamabhange linikela ngezinsizakalo zokubolekwa kwempahla.

Ngokuphathelene nomncintiswano omkhulu nomzabalazo weklayenti ngalinye, kuvela izinhlelo ezintsha ezikhangayo emakethe. Ngokwesibonelo, kungenzeka thola imali yokubambisa ngempahla ngemibhalo emibili nje kuphela.

Kungokwemvelo ukuthi uma ufuna ukuthola imalimboleko enjalo, okokuqala, umbuzo uphakama, imiphi imibhalo ezodingeka kulokhu.

Idokhumenti yokuqala, okokuqala, ibhange lizodinga ukuthi lowo obolekayo akwazi ukwethula ipasipoti... Okufuneka kuqala ukuba khona kulo mbhalo wesitembu sokubhaliswa unomphela endaweni yaseRussia (ngamanye amagama, ukubhaliswa).

Idokhumenti yesibili imvamisa umboleki angazikhethela ngokuzimela ohlwini oluhlongozwayo. Ngokwesiko, kufaka:

1. i-ID yempi;
2. isitifiketi sokubhaliswa esikhwameni sempesheni (SNILS);
3. Ikhadi le-ID lesisebenzi sezempi noma sikahulumeni;
4. ipasipoti yomhlaba wonke;
5. ilayisense yomshayeli.

Ngokuqondene nemibandela yemalimboleko yempahla ebanjiswayo, zingabantu ngabanye ebhange ngalinye. Ngaphandle kwalokhu, eziningi ezijwayelekile zingahlukaniswa.

Izimo eziyinhloko zokubambisa ngempahla ezikhishwe ngesisekelo semibhalo emibili:

• Akunasidingo sokufakazela ubuqiniso bakho.
• Izinga lenzalo eligcwele uma kuqhathaniswa nezinye izinhlelo. Okuhlukile kwenziwa ngababoleki abaneholo noma i-akhawunti yomhlalaphansi kulesi sikhungo sezikweletu.
• Kudingeka ukukhokha phansi, okuvame kakhulu ukuba sebangeni lamaphesenti ayishumi nanhlanu kuya kwangamashumi amahlanu wenani lempahla etholiwe.
• Amabhange amaningi avumela ukuheha ababambisene nabo.
• Njengomthetho, awekho amakhomishini nemikhawulo ekukhokheni ngaphambi kwesikhathi.
• Kuyadingeka ukuhlinzeka ngemibhalo yezindlu ngemuva kokuthola isinqumo esihle sokukhipha imali mboleko.
• Kubalulekile ukukhipha inqubomgomo yomshwalense. Uma wenqaba le nsizakalo, kuzokhushulwa isilinganiso.
• Inhlawulo ifaka isicelo sokukhokha sekwedlule isikhathi.

Ukubhaliswa kwesicelo semali mboleko kwenziwa njengokujwayelekile:

1. Uhlu lwemibuzo lugcwalisiwe. Lokhu kungenziwa ngokuxhumana nehhovisi noma kuwebhusayithi yebhange.
2. Linda isinqumo sesikhungo esikweletwa. Imibandela yokubhekelelwa kwesicelo emabhange ehlukene yehluka kakhulu. Ngaphezu kwalokho, kwezinye izimo, izikhungo zezikweletu ziyazandisa.
3. Fakela amadokhumende ento ethengiswayo ukuze ucatshangwe,uma kutholwa isinqumo esivumayo esicelweni.
4. Ukusayina isivumelwano semalimboleko, ukukhokha phansi nokuthatha umshuwalensefuthi uma kwenzeka ibhange livuma indawo yokuhlala ekhethiwe.
5. Pukusayina inkontileka yokuthengisa, kanye nokudluliswa kobunikazi bempahla nomuntu obolekayo nokubhaliswa kwayo njengesibambiso ebhange.

Imibandela yamabhange ngaphansi kwezinhlelo zokubhaliswa kwempahla esuselwa kumadokhumenti amabili

Inhlangano yezikweletu	Inani	Iminyaka yobolekayo	Linganisa	Ithemu	Isitolimende sokuqala	Ezinye izimo
I-Sberbank	EMoscow naseSt. Petersburg ama-ruble ayi-10,000,000, kwezinye izifunda - 8,000,000	Uneminyaka engama-21 kuya kwengama-75 ubudala	Kusuka ku-11.4%	Uneminyaka engu-1-30 ubudala	Kusuka ku-50% Lapho ubamba iqhaza ezinhlelweni zokuxhaswa nguhulumeni - kusuka kuma-20% Okwemindeni emisha kusuka ku-15%	Ukucutshungulwa kwesicelo kungakapheli izinsuku ezimbili zokusebenza
I-VTB 24	500,000 kuya ku-8,000,000	Kusuka ku-14.5%	1-20 iminyaka	Kusuka ku-40%	Ukucatshangelwa kwesicelo emahoreni angama-24
Ibhange laseMoscow	Kusuka ku-170,000	Kusuka ku-15.95%	Kuze kube yiminyaka engama-20	Ukuthenga ikhaya emakethe yesibili Isikhathi sokucabangela - amahora angama-24
URosselkhozbank	Ngamunye	Kusuka ku-14%	Kusuka ku-40%	Ungakhetha impesheni noma izinkokhelo ezihlukanisiwe
Ibhange le-MTS	300,000 kuya ku-25,000,000	Iminyaka engu-21-65 ubudala	Uneminyaka engu-3-25 ubudala

Lapho ufaka isicelo semali mboleko kumadokhumende amabili, kubalulekile ukulandela ezinye zezincomo zochwepheshe:

1. Funda ngokucophelela imigomo yohlelo lokubolekwa kwemali NGAPHAMBI umzuzu wokufaka isicelo.
2. Isebenzisa okubonakalayo isikhathi futhi usayizi nemali mboleko futhi amanani, ikhomishini futhi izinkokhelo ezengeziwe bala usebenzisa umshini wokubala wemalimboleko amapharamitha wemalimboleko yesikhathi esizayo. Ngemuva kwalokho, kubalulekile ukwenza ukuhlaziywa okuphelele futhi uqhathanise namanye amabhange.
3. Kuyafaneleka ukuya egatsheni lesikhungo sezikweletu kuphela lapho kuqoqwa yonke imibhalo edingekayo.
4. Kubalulekile ukuqonda ukuthi ukuvunywa kwesicelo yibhange kumbolekisi akuqedi ukubanjiswa kwemali. Ngokuphambene nalokho, kumane nje kuyisiqalo. Ngaphezu kokwenza izinkokhelo zanyanga zonke, kuzodingeka uvuselele umshwalense wakho njalo ngonyaka. Ngaphezu kwalokho, amabhange amaningi adinga ukuthi unikeze izitifiketi zokungabikho kwesikweletu kwizikweletu zosizo.

Ngakho-ke, kubabolekisi abaningi, ukubambiswa kwemibhalo emibili kuyindlela ekahle. Ikuvumela ukuthi ugcine kakhulu isikhathi ekulungiseleleni imibhalo edingekayo.

Lowo obolekayo ngeke kudingeke aqoqe inani elikhulu lezitifiketi. Ngasikhathi sinye, amabhange amaningi ahlinzeka ngezimo ezingezinhle ezinhlelweni ezinjalo kunangezendabuko.

Kepha ungakhohlwa ukuthi kuzothengwa ifulethi ngesikweletu ngaphandle kokukhokha okubalulekile. Ngaphezu kwalokho, lapho kubhaliswa imali ebanjiswayo emibhalweni emibili, kuyadingeka ukuthi kuqinisekiswe ukuthi ikhona yini.

Umbuzo 4. Ungayithola kanjani imalimboleko yempahla evikelwe yifulethi elivele likhona?

Ngokwesiko, eRussia, ababoleki bahlela imalimboleko yempahla evikelwe yimpahla etholakele. Akuwona wonke umuntu owaziyo ukuthi kukhona nethuba, lapho uthenga izindlu nomhlaba, lokunikeza umbolekisi indawo yokuhlala etholakalayo njengokuvikeleka.

Ngaphezu kwalokho, kwezinye izimo, amabhange ayanikela ngokukhipha izimalimboleko ezingafanelekile ezivikelwa izindlu nezindlu... Wonke amacala achaziwe nawo imali ebanjiswayo, isici salo ukuthola irisidi lemali mboleko evikelwe yi-real estate.

Okudingayo ukwazi lapho ufaka isicelo semalimboleko yempahla evikelwe yifulethi

Kubalulekile ukuqondaukuthi uma kungekho sidingo sokusetshenziswa okuhlosiwe kwezimali ezitholwe ekubanjisweni kwempahla, izingozi zebhange ziyanda kaningi. Imvamisa, umphumela uba izimo ezingavumi kangako ngezinhlelo ezinjalo.

Isimo esibaluleke kakhulu imali mboleko evikelwe yimpahla ekhona ukuthi indawo yokuhlala yomboleki izoba isibambiso semali mboleko... Ngamanye amagama, ibhange lizokhipha ngokusemthethweni isibambiso.

Kunoma ikuphi, izibopho zesithembiso ziyenziwa egumbini lokubhalisa... Ngakho-ke, umboleki ngeke esakwazi ukulahla ifulethi lakhe. Ngaphandle kwemvume yebhange, ngeke kwenzeke ukuthengisa, ukunikela noma ukuzuza njengefa indawo yokuhlala. Ngokuphindaphindiwe, obolekayo uthola ithuba lokusebenzisa imali ebolekiwe yokuthenga i-real estate entsha noma (uma kuhlinzekwa ngenkontileka) ngokubona kwakhe.

Kubalulekile ukukuqonda lokho imali mboleko yemalimboleko yempahla evikelwe yindlu ekhona, njengezinye izinsizakalo zezezimali, nayo inezayo izinzuzo futhi ukulinganiselwa... Ngaphambi kokuvuma ukubolekwa ngalolu hlobo, kufanele uwafunde ngokucophelela.

Phakathi kwezinzuzo zokubolekwa kwemali ezitholwe yizindlu ezikhona kukhona okulandelayo:

1. Iningi lezikhungo zezikweletu lithembeke kakhulu kubaboleki abakulungele ukuthembisa izindlu ezitholakalayo.Ngakho-ke, eziningi zazo zinikeza okuphansi isilinganiso senzalo ngezinhlelo ezinjalo. Kodwa-ke, muva nje amanye amabhange aseqalile ukwehlisa amanani emali mboleko yendabuko. Ngakho-ke, kungenzeka ukuthi le nzuzo inganyamalala maduzane.
2. Ngokubolekwa kwempahla okuvikelekile ngempahla ekhona, into ehlelelwe ukutholwa ayibalulekile ebhange. Ngenxa yalokhu, ngaphansi kwezinhlelo ezinjalo kulula ukuthenga ifulethi esiteji sokwakhiwa. Ngaphezu kwalokho, obolekayo angazikhethela unjiniyela yedwa, akudingekile ukuthi avunyelwe yibhange. Futhi, impahla ingaba yinoma yini - indlu yezwe, igumbi lapho ulele khona nezinye izinketho amabhange amaningi enqaba ukubolekisa ngazo.
3. Uhlelo olucutshungulwayo lwenza izidingo eziguquguqukayo hhayi kuphela kwempahla etholiwe, kepha nakulowo obolekayo uqobo, kufaka phakathi eyakhe solvency... Ngokwesiko, imali ebolekiswayo ekuvikelekeni kwezindlu ezikhona ingatholwa ngabantu baseRussia asebekhulile kusuka 18 ngaphambi 65 iminyaka... Kubalulekile ukuthi obolekayo nomndeni wakhe babe neholo elizinzile elanele ukubuyisa imali ebolekiwe.
4. Ngokungafani nemalimboleko engavikelekile, izinhlelo ezibhekwayo zithatha inkontileka enkulu yeminyaka engama-30.
5. Inzuzo ebalulekile ukuthi azikho izinkokhelo eziphansi. Ezinye izinhlangano zezikweletu, ukuze zihehe amaklayenti angeziwe, zibeka le mboleko njengendlu yokubambisa ngaphandle kokukhokha phansi. Sivele sikhulume ngokuningiliziwe mayelana nokubolekwa kwemali ngaphandle kokukhokha phansi kwesinye sezindatshana ezedlule.
6. Ngokwesiko, izinhlelo ezinje azinanhlawulo zakuqala zokukhokha.

Labo abafisa ukuthola imalimboleko evikelwe yimpahla yabo uqobo kufanele bazi ngamaphutha ajwayelekile ezinhlelo ezinjalo. Uma ungazijwayele nabo ngaphambi kokusayina inkontileka, ungahle ubhekane nenqwaba yezimanga ezingemnandi.

Okubi kwalolu hlobo lwempahla ebanjiswayo kubandakanya:

1. Akuzona zonke izindlu ezithengiswayo okufanelekile njengezibambiso. Amabhange anake indaba yesibambiso semalimboleko yalolu hlobo. Ngeke ukwazi ukuthola isikweletu semali mboleko esivikelwe yizakhiwo ezifakiwe isikhwama sezindlu esonakele futhi ihloselwe ukudilizwa nokuhlaliswa kabusha kwabantu. Ibhange ngeke libolekise ngokuthengisa izindlu nomhlaba, ukwehla kwalo ukweqa 50%. Futhi, asikho isikhungo sezikweletu esizothatha njengesibambiso amafulethi anezingodo, futhi uma iqukethe ukwakhiwa kabusha okungekho emthethweni.
2. Akekho ozokhipha imali mboleko yenani eligcwele lempahla ekhona. Isilinganiselo ongasithola sithi 70% wentengo yemakethe yefulethi.
3. Izindleko eziphezulu zomshuwalense.Okungenzeka ukuthi kuzodingeka ukuthi uvikele impilo nokusebenza kwalowo obolekayo, isibambiso kanye nefulethi elithengiwe.
4. Ukuthengisa impahla ebanjiswe ngempahla, uma kunesidingo, ngeke kusebenze. Ibhange cishe ngeke livume isivumelwano esinjalo. Ngakho-ke, ngaphambi kokuphela kwenkontileka, kufanelekile ukucacisa ngokushesha yonke imibandela ibhange elizoyifaka kulesi sicelo.

Emabhange, imali ebanjiswayo yezindlu esezikhona nayo inenkinga enkulu - ingozi enkulu... Kuchazwa ngokungabi bikho kwemali ekhokhelwa phansi. Lokhu kuholela ekutheni kunamabhange ambalwa ahlinzeka ngezinhlelo ezinjalo. Ngokwemvelo, isikhungo ngasinye sesikweletu senza izimo zaso zesikweletu.

Kunamapharamitha ambalwa wesici sempahla ebolekiswe yindlu yakho:

• imali ebolekisayo - ama-ruble, amadola noma Euro;
• ubuncane beminyaka yobolekayo - 21 unyaka;
• isilinganiso sincike emalini ebolekisayo, ngokwesilinganiso kuma-ruble 16% ngonyaka;
• isikhathi esiphezulu semalimboleko - 25 iminyaka, kwesinye isikhathi ifinyelela eminyakeni engama-30;
• inani lemalimboleko elikhishwe akuvamile ukuthi lidlule 70% wenani lesakhiwo esethembisiwe.

Izidingo ezithile nazo zifakwa endaweni yokuhlala, ngaphansi kokuphepha lapho kuhlelwe ukukhipha imali mboleko:

1. uma kukhona okwenziwayo kabusha, konke kufanele kube semthethweni, okubhaliwe;
2. izikweletu zomsebenzi kumele zikhokhwe ngokuphelele;
3. ithuba lokusebenzisa indawo yokuhlala ngokunethezeka - indlu kufanele ihlinzekwe ngogesi, amanzi nokushisa;
4. ifulethi akufanele liboshwe.

Kubalulekile ukuqonda ukuthi izidingo ezithile azibekiwe kuphela endaweni yokuhlala, kepha nasendlini etholakala kuyo.

Isakhiwo okukhona kuso impahla ebanjiswe ngempahla kumele sihlangabezane nale mingcele elandelayo:

• inani lamaphansi endlini kumele okungenani libe mahlanu;
• isakhiwo asikho esimweni esiphuthumayo, asikho isidingo sokudilizwa noma sakhiwe kabusha, nendlu akufanele futhi ibe nokuhlaliswa kabusha kwabantu;
• unyaka wokwakha hhayi ngaphambili 1950th.

Ngakho-ke, ngaphezu kwenani elithile lezici ezinhle, imali mboleko evikelwe yimpahla ekhona inezinkinga eziningi. Kubalulekile ukuqonda ukuthi uma ungakwazi ukukhokha imali yanyanga zonke yempahla, kungavela izinkinga ezinkulu. Kuvela ingozi yokulahlekelwa izindlu ezithenjisiwe. Ingafakwa endalini.

Ngaphandle kwalokho, kunethuba lokulahleka kwayo yonke impahla ephethwe ngumboleki (okusho ukuthi, nezindlu ezithengwa ngezimali ezibolekiwe). Ngakho-ke, lapho uthatha isinqumo sokufaka isicelo sokubambisa ngempahla, kubalulekile ukuthi uhlolisise ngokucophelela ukubumbana kwakho. Lokhu kufanele kwenziwe kungabhekwa isimo samanje kuphela, kodwa futhi nesingaqhamuka ngokuzayo, kuze kube sekupheleni kwesivumelwano semalimboleko.

Umbuzo 5. Ngingayithola yini imali yokubolekwa kwesabelo sefulethi?

Akuwona wonke umuntu onemali yokuthenga hhayi kuphela ifulethi eligcwele, kodwa futhi nengxenye yalo. Kulesi simo, kungavela isimo lapho kudingeka ngokuphuthumayo ukuthenga isabelo sezindlu zokuhlala, futhi akekho nje umuntu oboleka imali. Esimweni esinjalo, umbuzo uvela - ingabe kunengqondo ukuthola imalimboleko ngokukhethekile ukuthenga isabelo sefulethi.

Muva nje, izimo lapho kudingeka ukuthi kubanjiswe ngempahla kungabanjwanga ngayo yonke ifulethi, kepha ikakhulukazi ingxenye yayo, sekuphelile. Kungaba nezizathu eziningi zokuthi kungani izakhamizi kufanele zithenge isabelo.

Kukuziphi izimo lapho ngingathatha khona imalimboleko yempahla yendlu ukuze ngibambe iqhaza efulethini?

Esikhathini esiningi, imali ebanjiswayo yokuthola isabelo ku-real estate yokuhlala ikhishwa ezimweni ezilandelayo:

• Izihlobo eziningana ezikude zinelungelo lokuthola ifa. Ngasikhathi sinye, alikho ithuba lokuhlala ndawonye, ​​futhi angifuni ukuthengisa ifulethi ngokuphelele.
• Ngesikhathi sehlukaniso, impahla yahlukaniswa, kepha omunye wabashadikazi akafuni ukuyeka ukuhlala ezimeni ezikahle.

Lezi ezingenhla kuphela lezo zimo ezenzeka kaningi. Kodwa-ke, impilo ayilindelekile, futhi akunakwenzeka ukwazi kusengaphambili ukuthi kungani ungadinga ukuthenga isabelo efulethini.

Kubalulekile ukucabangelaukuthi aziziningi kangako izinhlangano zezikweletu ezilungele ukukhipha isikweletu semali ukuze kuthengwe isabelo efulethini. Uma kutholakala lelo bhange, kufanele ulilungele iqiniso lokuthi imibandela yemalimboleko enjalo akunakwenzeka ukuthi ithembeke ngokwanele. Izinga lokwabiwa kwemali mboleko lingaba phezulu kakhulu. Zivame ukufinyelela 15% ngonyaka, futhi kaningi ngaphezulu.

Ngakho-ke, cishe kuzoba nzima ukuba ngumnikazi kuphela wefulethi lapho isakhamuzi okwamanje sinengxenye kuphela. Kuzofanele wenze umzamo omkhulu futhi uchithe isikhathi esiningi ukufeza inhloso oyifunayo. Kepha akufanele ulahle ithemba noma kunjalo. Amathuba okuthola imali ebanjiswayo, yize emancane, asekhona.

Imibandela yokubolekwa kwemali yokuthengwa kwengxenye yendawo yokuhlala yangempela kunqunywa kakhulu yizinhloso ezialandelwa ngumboleki.

Imvamisa, kunezinhlobo ezimbili zemalimboleko yokuthenga isabelo sezindlu:

1. Isakhamuzi sinengxenye ethile yefulethi elithile. Ngasikhathi sinye, ufuna ukuba ngumnikazi wayo ophelele futhi yedwa. Esimweni esinjalo, kubanjiswa ngempahla ukuze kuthengwe isabelo sokugcina sempahla.
2. Ozoba umboleki ufuna ukuthenga ingxenye (njengekamelo) efulethini elingahlangene nakancane nalo. Kulokhu, ngemuva kokuthi umsebenzi usuphothuliwe, isakhamuzi sizoba nengxenye ethile kuphela yefa nomhlaba.

Kuzo zombili lezi zibonelo ezingenhla, ukuthola imali yokuthenga ngempahla ukuze uqedele okwenziwayo ngeke kube lula. kodwa Esimweni sokuqala thola imali mboleko mhlawumbe kulula kakhulu... Lokhu kuchazwa ngomehluko ezingeni lobungozi ezimweni ezimbili. Lapho uthenga isabelo sokugcina, ibhange lingadinga ngesikhathi sokukhipha imali mboleko ukukhipha isibambiso sengxenye yefulethi esivele ingesomfakisicelo.

Inketho yesibili ifaka imalimboleko yemali enkulu ngaphandle kokunikeza ukuphepha. Esimweni esinjalo, kungahle kubonakale kunganele ukuthi ibhange linikeze ubufakazi be-solvency njengesiqinisekiso sokubuya. Amabhange amaningi, lapho ebhalisa imali ebanjiswayo yesabelo sokuqala, angadinga ukuphepha okungeziwe... Kungaba njalo enye impahlawathembisa futhi wakhanga abaqinisekisi.

Ake sicabangele womabili amacala ngokuningiliziwe.

1. Ukubolekwa kwemali mboleko yokutholwa kwesabelo sokugcina

Uma uthatha isinqumo sokubambisa ngempahla ukuze uthenge isabelo sokugcina efulethini, kufanele uzilungiselele ngokomqondo iqiniso lokuthi kumele qinisekisa ubunikazi ngengxenye esivele ingeyomfakisicelo.

Ngamanye amagama, uzodinga ukuqoqa iphakethe lamadokhumenti azokuvumela ukuthi ukhombe ngokukhethekile umboleki njengomnikazi wengxenye yendawo.

Ngaphezu kwalokho, uzodinga ukuqinisekisa:

1. Isipiliyoni somsebenzi endaweni yokugcina. Lokhu kuzodinga ikhophi yencwadi yomsebenzi, iqinisekiswe ngumqashi ngesibopho esiyisibopho sokuthi umboleki usasebenza kuze kube namuhla. Ngasikhathi sinye, ngokuya ngezidingo ezijwayelekile, impilo yesevisi endaweni yokugcina kufanele ibe njalo hhayi ngaphansi 6 izinyanga.
2. Solvency. Amaholo akumele azinze kuphela, kepha futhi kufanele abe semthethweni. Ukuba khona kwalowo mthombo wemali kuyaqinisekiswa isitifiketi 2-NDFL noma okuhambisanayo isimemezelo... Uma ngasizathu simbe kungenzeki ukuqinisekisa ngokuphelele imali engenayo nalezi zincwadi, ezinye izinhlangano zezikweletu zivunyelwe ukugcwalisa Isitatimende sase bhange... Kungokwemvelo ukuthi kulokhu izinga lokuthembela kuklayenti lizoba lincane.

Ngokuvamile, amabhange aboleka isabelo sokugcina ngokuzithandela ngokwengeziwe... Lokhu kungenxa yokuthi ekugcineni umfakisicelo uzoba ngumnikazi wento ye-real estate ngokuphelele.

Ingcuphe ephansi yamabhange iholela eqinisweni lokuthi ezimweni zamacala ezichaziwe kuzoheha kakhulu.

Phakathi kwezici eziyinhloko zemalimboleko yesabelo sokugcina kukhona okulandelayo:

• isilinganiso esimaphakathi ezingeni 16% ngonyaka;
• Isikhathi esiphezulu senkontileka Kusebangeni 5-25 iminyaka;
• ukutholakala kwemali ekhokhwayo ephansi ngezinga le- kusuka ku-10% izindleko zesabelo esithengiwe (kwezinye izimo, ukungabikho kwayo kuvunyelwe).

Obolekayo kumele aqonde ukuthi ibhange lizomdinga ukuthi enze isibambiso hhayi ingxenye yendawo etholakele, kodwa yonke impahla yokuhlala, kufaka phakathi isigqi sokugcina... Ngamanye amagama, ngemuva nje kokuba isakhamuzi senze ifulethi libe sempahleni waso ngokuphelele, sizolahlekelwa yilungelo lokusichitha kuze kukhokhwe imali ebolekiwe.

2. Ukuhlengwa kwesabelo esisodwa

Kunzima kakhulu ukuthola imali ebolekiswayo ukuze uthenge isabelo efulethini lapho umboleki engahlobene khona.Kulesi simo, impahla ngeke iphathwe ngokuphelele ngumnikazi ngemuva kokuthengiselana.

Lokhu kuholela ku- izikhungo zezikweletu zinqena kakhulu ukukhipha imali ebolekisiwe ukuze zithole isabelo... Kungakho cishe kungenzeki ukuthola ibhange elizimisele ukunikela ngemalimboleko yokuthengwa kwengxenye yendawo okungeyona eyomboleki.

Kubalulekile ukuqondaukuthi ukubolekwa kwemali okucatshangelwayo kuhilela ukudluliselwa kwesibambiso ebhange amasheya kuphela amafulethi. Kuzoba cishe kungenzeki ukuyithengisa uma kunezinkinga ngokubuyiselwa kwemali yesikweletu. Noma ngabe isaphumelela, intengo kungenzeka ukuthi ingavumi.

Ukuthola imali ebolekiswayo yalolu hlobo, obolekayo kuzofanele enze imizamo emikhulu. Okokuqala, kuzodingeka uzame ukukholisa ibhange ngokuzixazulula kwalo. Kuzodingeka ukufakazela ukuthi kunethuba langempela lokufeza izibopho zemalimboleko ngesikhathi esifanele futhi ngokugcwele.

Ibhange lenza izimfuno ezibucayi hhayi kuphela kumboleki, kepha nakwisabelo esitholiwe.

Ingxenye etholakele ye-real estate kufanele ihlangabezane nemibandela elandelayo:

• isimo sobuchwepheshe esiphelele;
• izinga lemali elamukelekayo;
• ukuhambisana ngokugcwele nawo wonke amazinga obuchwepheshe;
• indawo endaweni enhle yedolobha.

Kubalulekile ukukhumbula ukuthi inani lamasheya wesabelo esisodwa abelokhu ekhona okungenani 3% ngaphezulukunangesikhathi uthenga isabelo sokugcina. Ngokwemvelo, umsebenzi wesikhathi esigcwele, umholo ojwayelekile osemthethweni nomlando ohlanzekile wesikweletu kuyimpoqo esimweni esinjalo. Ngaphezu kwalokho, kungadingeka ukuphepha okungeziwe njengoba isibambiso sempahla, izibambiso noma ukuheha ababambisene ngokubambisana.

Ngakho-ke, amathuba okuthola isibambiso sesabelo esisodwa mancane kakhulu. Kepha basekhona. Kuyiqiniso, ukuze kuthathwe isinqumo esihle, kuzodingeka kwenziwe imizamo emikhulu.

Umbuzo 6. Kukuliphi ibhange okungcono ukubolekwa kwemali?

Obolekayo ngamunye, ukhetha ibhange lokubolekwa kwemali, unaka izimo ezahlukahlukene zokuboleka. Ngasikhathi sinye, izici ezahlukahlukene zibaluleke kakhulu kwisakhamuzi ngasinye.

Lapho ukhetha uhlelo lokubolekwa kwemali, bavame ukuqhathanisa:

• inani lokukhokha phansi;
• isilinganiso senzalo;
• ukwethembeka kumboleki.

Kodwa-ke, hhayi wonke umuntu unesikhathi, amandla nesifiso sokuhlaziya ngokuzimela izimo zempahla ebanjiswayo emabhange ahlukahlukene. Yilapho izilinganiso zobuchwepheshe zisebenza kahle.

Itafula lokulinganisa lezikhungo zezikweletu ezinezimo ezinhle kakhulu zokubolekwa kwemali

Inhlangano yezikweletu	Igama lohlelo	Linganisa (ngo-% ngonyaka)	Ukukhokhelwa phansi ngamaphesenti wezindleko zezindlu
Sobinbank	Impahla ebolekiswayo	8,00 – 11,00	10,0
Ibhange Lezokuxhumana	Imali yakho ebolekiswayo	9,50 – 12,00	10,0
I-Sberbank	Uhlelo olusekelwa nguMbuso	13,00	15,0
I-Alfa Bank	Okwezindlu zesibili	14,80	10,0
I-VTB 24	Imalimboleko yokuthengwa kwezindlu emakethe yesibili	14,90	10,0

Umbuzo 7. Ungasitholaphi futhi kanjani isikweletu sempahla yendlu uma umlando wakho wesikweletu wonakele?

ERussia, kuze kube muva nje, amabhange amaningi akhipha wonke umuntu imali mboleko, engacabangi ukuthi umboleki uzokwazi ukukhokha isikweletu.

Ngemuva kwenkinga, izakhamizi eziningi azikwazanga ukufeza izibopho zazo. Umphumela waba yinhlekelele - iningi lababoleki lalimaza ngokungenathemba umlando wabo wesikweletu, amafayela abo amakwa ngokubambezeleka nokwenqaba ukukhokha.

Ngemuva kwesikhathi esithile, ezinye izakhamizi ezinomlando omubi wesikweletu zafuna ukuthola imali yokubambisa. Kodwa-ke, babhekene nokwenqena kwamabhange ukusebenzisana nawo. Ungaba kanjani esimweni esinjalo? Ngabe kufanele ulahle umbono wokuthenga ifulethi lakho?

Izinketho zemali mboleko ezinomlando wesikweletu esibi

Eqinisweni, akufanele ulahle ithemba. Noma ezimeni lapho amabhange amaningana enqabile ukukhipha imali ebanjiswayo, asikho isiqinisekiso sokuthi imvume ngeke itholakale kubo bonke abanye.

Namuhla isibalo sabantu abazimisele ngokuthatha isikweletu sendlu siyanciphaLokhu kuholele ekutheni amabhange amaningi (ikakhulukazi awesifunda) athembeke kakhulu kulabo abafisa ukuthola imalimboleko yezindlu. Imvamisa bayavuma ukungawunaki umlando wabo wesikweletu owedlule.

Sincoma futhi ukuthi ufunde indatshana yethu lapho amabhange angahloli umlando wesikweletu wababolekayo, lapho uzothola khona uhlu lwamabhangeayihloli ama-CI.

Kukhona enye indlela yokuphuma esimweni esinzima. – funa usizo ku ababambisene ngempahla... Iningi labo linokuxhumana kwabo namabhange, kulula kakhulu kubo ukuthola imvume kumakhasimende abo, noma ezimweni lapho umlando wesikweletu wonakele ngokungenathemba. Ngaphezu kwalokho, ochwepheshe abanolwazi emakethe yezentengiselwano bangathola isaphulelo kunani lenzalo.

Akunzima ukuthola umthengisi... Emadolobheni amakhulu, kunezinkampani eziphelele ezihlinzeka ngezinsizakalo zokulamula. Emadolobheni amancane, ungaxhumana ne-ejensi edumile yezindlu. Abaningi babo banobuchwepheshe obunjalo kubasebenzi babo.

Ngokwemvelo, kuzodingeka ukhokhele izinsizakalo zomthengisi. Kodwa-ke, imali esetshenzisiwe izokhokha ngaphezu kokukhokha. Ngemuva kwakho konke, zizosiza ukonga inani elikhulu lesikhathi, izinzwa nemali.

Ngakho-ke, ukuthola imali yokubolekwa kwemali akunzima njengoba kubonakala ekuqaleni. Kuliqiniso, nge-caveat eyodwa - uma obolekayo enemali engenayo esemthethweni ehlala njalo. Kepha kwezinye izimo, ngokuzikhandla okufanele, ungafinyelela umphumela oyifunayo.

Kepha kufanele kukhunjulwe ukuthi ngeke kube lula ukukhokha imali mboleko oyitholile isikhathi esingaphezu kweminyaka eyishumi nambili. Ngakho-ke namanje NGAPHAMBI mzuzu lapho inkontileka isayiniwe, kubalulekile ukuthi uhlaziye ngokucophelela amakhono akho wezezimali. Kwezinye izimo, kungcono ukuhlehlisa ukuthola imali mboleko enzima kangako isikhashana.

Ekuphetheni, sincoma ukubukela ividiyo yokuthi ungayithola kanjani indlu oyibolekile wedwa, lapho kunikezwa khona imiyalo eningiliziwe, kunikezwa imibandela yokufaka isicelo sokubolekwa kwempahla kanye namathiphu wabaqalayo:

Imibuzo kubafundi!

Ngabe uzokhipha isikweletu semali oyiboleka efulethini noma enye ingcebo kungekudala? Kukuliphi ibhange ocabanga ukuthi kungenzeka uthole imali mboleko yempahla?

Sifisela abafundi bephephabhuku lezezimali i- "Ideas for Life" impumelelo ezindabeni zezezimali, ukubhaliswa okulula nokungenazinkinga kwemalimboleko yempahla ebanjiswayo, futhi okubaluleke kakhulu, ukukhokha okusheshayo nokusezingeni eliphakeme.

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