Ungayithatha kanjani imalimboleko (imalimboleko) evikelekile nge-real estate - izigaba ezi-5 zokuthola ngaphandle kwesiqinisekiso semali engenayo + Amabhange we-TOP-4 anezimo ezinhle

Ngibingelela abafundi be-Ideas for Life umagazini online! Namuhla sizokhuluma ngokubolekwa kwemali kanye namakhredithi avikelekile ngokuthengiswa kwezindlu, ungakuthola kuphi futhi kanjani imali ebolekiswe yizakhiwo ngaphandle kobufakazi bemali engenayo, futhi yiziphi izindlela ezikhona zalokhu.

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

Ngemuva kokufunda i-athikili eyethulwe, uzothola:

• Yimuphi umhlabathi ongamukelwa njengesibambiso;
• Ukuhlaziywa kwendlela eyenziwa yibhange lapho kukhishwa imalimboleko evikelwe yimpahla yangempela yezentengiselwano;
• Yiziphi izindlela zokuthola imalimboleko evikelwe yi-real estate ekhona;
• Yiziphi izinyathelo odinga ukudlula kuzo ukuze uthathe imalimboleko evikelwe yi-real estate ngaphandle kobufakazi bemali oyitholayo.

Futhi ekugcineni kwendatshana, ngokwesiko siphendula imibuzo ebuzwa njalo.

I-athikili eyethulwayo izosiza ikakhulukazi kulabo abahlela ukuthola imalimboleko evikelekile ngokuthengiswa kwezindlu. Ukuboleka imali ngokushesha okukhulu, ungachithi isikhathi, qala ukufunda manje!

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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.

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Ngale ndlela, izinkampani ezilandelayo zinikela ngezimo ezinhle kakhulu zemalimboleko:

Isikhundla	Qhathanisa	Isikhathi sokuthatha	Inani eliphakeme	Inani eliphansi	Ubudala ukulinganiselwa	Izinsuku ezingenzeka
1		3 imiz.	Hlikihla ama-30,000 Hlola!	Hlikihla i-100	18-65	Izinsuku eziyi-7-21
2		3 imiz.	Hlikihla ama-70,000 Hlola!	Hlikihla i-2,000	21-70	Izinsuku eziyi-10-168
3		1 iminithi.	Hlikihla ama-80,000 Hlola!	Hlikihla i-1,500	18-75	Izinsuku 5-126.
4		4 imizuzu	Hlikihla ama-30,000 Hlola!	Hlikihla i-2,000	18-75	Izinsuku 7-30
5		5 imizuzu.	Hlikihla i-15,000 Hlola!	Hlikihla i-2,000	20-65	Izinsuku 5-30

Manje ake sibuyele esihlokweni sendatshana yethu bese siqhubeka.

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Ungayithatha kanjani imalimboleko evikelwe yi-real estate ekhona, lapho ungathola khona imalimboleko enjalo ngaphandle kobufakazi bemali engenayo, yiziphi izindlela zokuthola imalimboleko evikelwe yi-real estate etholakalayo - sizotshela kulo magazini

1. Imalimboleko evikelwe nge-real estate: usayizi, inzalo kanye nezidingo zababolekayo 📃

Kulula kakhulu ukuthola imali mboleko evikelekile nge-real estate kunangaphandle kokwethula noma yikuphi ukuphepha. Amabhange ngokuvamile azama ukukholisa amakhasimende awo ukuthi imalimboleko enjalo iphakathi kweziphephe kakhulu.

Noma kunjalo, lokhu akunjalo, ngoba kukhona ingozi yokulahlekelwa yimpahla uma unezinkinga zezezimali. Akubona bonke ababolekisi abakulungele ukuguquka kwemicimbi enjalo.

Yingakho ochwepheshe bencoma khipha imalimboleko evikelwe ngokuthengiswa kwezindlu kuphela lapho imali idingeka kakhulu, kepha ayikho enye indlela yokuyithola.

Ababoleki kufanele baqonde ukuthi ubungozi bokulahlekelwa yimpahla buyakhuphuka ⇑ uma bengaxhumani nebhange, kepha izitolo zokuthengisela, izinhlangano zezimali ezincane noma ku- abatshalizimali abazimele.

Ngaphandle komkhakha webhange, ukubolekisa kuvame ukuhambisana ukukhwabanisa... Abahlaseli basebenzise okuyinkimbinkimbi amacebo, sibonga ukuthi ngisho nababoleki abanekhono ngokwezimali bazithola besezimweni ezingemnandi.

Naphezu kwakho konke, lapho usebenza nababolekisi abathembekile abanedumela elingonakalisiwe, ungathola izinzuzo eziningi ezivela kwimalimboleko evikelwe yi-real estate.

Phakathi kwezinzuzo ezinkulu (+) zale mali mboleko kukhona okulandelayo:

• isikhathi esengeziwe semalimboleko - imvamisa idlula 5 iminyaka futhi ingafinyelela 20;
• isilinganiso esincishisiwe - ngokwesiko kuncane cishe 5%;
• inani lemalimboleko elandisiwe - kuya ngenani lesakhiwo futhi kungafinyelela 30 ama-ruble ayizigidi;
• umklamo owenziwe lula - asikho isidingo sokwethula amadokhumende aqinisekisa imali engenayo, futhi kukhona nethuba lokuthola imali ngisho nalabo abanomlando wesikweletu owonakele.

Noma iyiphi ingcebo enguketshezi ingaba yisibambiso. Lokhu kusho ukuthi kufanele kube nesidingo semakethe esisebenzayo sento eyethulwe njengesibambiso. Imvamisa zithatha njengesibambiso amafulethi, izindlu, amakotishi, amakotishi asehlobo, iziza zomhlaba... Ngaphezu kwalokho, ungathola imali evikelekile izindlu ezithengiswayo.

Isimo sengqondo endabeni yesibambiso naso sincike endaweni okuyo. Ngokwesibonelo, isakhiwo sokuhlala esisezindaweni zasemakhaya singamukelwa njengesibambiso, kepha izidingo zaso sizoba namandla kakhulu kunesakhiwo sasemadolobheni.

Into enjalo kufanele ibe sesimweni esihle, ibe nokuxhumana okudingekayo. Ngaphezu kwalokho, indawo lapho yakhelwe khona kumele yenziwe ibe semthethweni ngokulandela umthetho. Izidingo ezinjalo zichazwa kalula - ingcebo uma kwenzeka kungakhokhwa imalimboleko kufanele ithengiswe kalula.

Ababoleki akufanele bacabange ukuthi ababolekisi sebevele bafuna indlela yokuthatha impahla kubo esigabeni sokuthola imali mboleko. Isibambiso siyisiqinisekiso kuphela sokuthi isikweletu sizobuyiselwa ngesikhathi futhi ngokugcwele.

Noma kunjalo, umuntu kufanele akhumbuleukuthi inani elikhulu labakhohlisi lisebenza emakethe yezimali yaseRussia. Umgomo wabo oyinhloko kunjalo thatha impahla, lowo umboleki ayethula njengesibambiso.

Abakhohlisi bacasha ngamagama ahlukene - abadayisi bezikweletu, izitolo zokuthengisela noma izinkampani zokutshala imali... Basebenzisa ithuba lokunqaba nokufunda ngemali ephansi kwamakhasimende ukuze bathole imali ngayo. Ababolekisi abanjalo baheha ababolekisi ngokunikela ngezimo ezithandekayo ngendlela emangalisayo, ukungabi khona kwamasheke, bathembisa ukunikeza imali ngisho nakubantu abangasebenzi.

Ukuze bangaweli ogibeni lokukhwabanisa, ochwepheshe beluleka ababolekayo ukuthi bahlole ngokucophelela izinkampani abahlela ukusebenzisana nazo. Lokhu kuyiqiniso ikakhulukazi ezinhlanganweni ezingekho emabhange. Kufanele zihlolwe ngokunakekelwa okwedlulele, kufaka phakathi iwebhusayithi IFTS (I-Federal Tax Service Inspectorate). Ungasebenzisa futhi usizo lwabameli, ikakhulukazi ngoba namuhla ungayithola nge-Intanethi.

Obolekayo kumele aqondeukuthi inani elilingana nenani lempahla alikwazi ukubolekwa. Ngokwesiko, inani lemalimboleko alidluli kuma-70% wentengo yento eyimbumba. Ngakho-ke, ababolekisi bazama ukuzivikela ekwehleni okungenzeka kwenani lempahla.

Yize iqiniso lokuthi imali mboleko evikelekile ngezindawo ezithengiswayo iyingozi kakhulu, kunezimo eziningi lapho kungukuphela kwendlela yokuthola imali.

Esikhathini esiningi, isidingo semalimboleko evikelwe yi-real estate sivela ezimweni ezilandelayo:

1. Isidingo esiphuthumayo semali. Kuyenzeka ukuthi imali iyadingeka lapha namanje. Ngasikhathi sinye, asikho isikhathi sokulungiselela amadokhumende ahlukahlukene angeziwe, sesha abaqinisekisi bese ulinda ukuqinisekiswa. Imalimboleko evikelwe ngokuthengiswa kwezakhiwo ivame ukukhishwa ngokushesha ngephakeji elincane lemibhalo;
2. Ukuntuleka kwemisebenzi esemthethweni.Namuhla isibalo salabo abasebenza ngaphandle kwencwadi yomsebenzi, kanye nakwi-Intanethi, sikhula njalo. Kulokhu, ukuthola ukwethenjwa kombolekisi kungaba nzima. Izindlu ezithengiswayo ziba yisiqinisekiso esihle kakhulu sokubuyiselwa kwemali mboleko etholakele;
3. Umlando wesikweletu esibi. Kuthatha isikhathi esikhulu ukukulungisa. Vele, konke kuya ngobukhulu besimo, kepha imvamisa kuthatha izinyanga noma neminyaka. Ebusweni bezibambiso ezisezingeni eliphakeme, ababolekisi abaningi (kufaka phakathi amabhange) abaziqaphelisisi izono emlandweni wesikweletu. Abangewona amabhange abanaki isithunzi somboleki nhlobo. Sibhale ukuthi ungawulungisa kanjani umlando wakho wesikweletu phambilini kwenye yama-athikili ethu.

Kodwa-ke, akuyona yonke impahla efanelekile njengesibambiso. Ngaphambi kokufaka isicelo, kufanele ufunde ukuthi iziphi izinto ezizokwamukelwa njengezibambiso.

2. Yimuphi umhlabathi ongamukelwa njengesibambiso uma ufaka isicelo semalimboleko yasebhange - izinhlobo ezi-4 eziyinhloko 📑

Isici esiyinhloko sesakhiwo esicatshangelwayo lapho kunqunywa ukuthi singamukelwa yini njengesibambiso isikweletu... Kubalulekile ukuthi ingathengiswa emakethe ngaphandle kwezinkinga uma kunesidingo.

Hhayi kuphela ukuwohloka, kepha nezakhiwo zebhange elite wenqabe yamukela njengokuvikeleka. Bobabili bavame ukubanda isikhathi eside lapho bezama ukuzithengisa.

Izinhlangano zezikweletu zikhetha ukungakhiphi imalimboleko yalezi zinto ezilandelayo:

• izindlu zokulala (amakamelo amahhotela);
• amafulethi atholakala ezakhiweni eziyizitezi ezimbili;
• amafulethi ezakhiweni eziyizitezi ezinhlanu, iminyaka yawo idlula 40 iminyaka;
• izakhiwo ezitholakala emahostela;
• izinto ezingakaqedwa;
• izinqolobane nezindawo zokukhiqiza.

Kungenzeka ukuhlela imalimboleko yezinye izinto ezithengiswayo. Ungahlukaniswa Izinhlobo ezi-4abamukela njengokuvikeleka kalula kakhulu.

Buka 1. Izindawo zokuhlala ezinendawo yokuhlala

Amagumbi nezindawo zokuhlala kuyamukelwa kwidiphozi kuphela lapho ziphila khona futhi zinezinsiza ezidingekayo. Lezi zamuva ziqondwa njengamapayipi endle, ugesi, nokulethwa kwamanzi. Ukuhlelwa kufanele kuhambisane ngokuphelele nohlelo lobuchwepheshe olukhona.

Kuyafaneleka ukucatshangelwa! Indlela elula ukuthola imali mboleko evikelwe yifulethi elisendlini esanda kwakhiwa, esetshenziswe ngempumelelo.

Imalimboleko evikelwe yi-real estate ikhishwa cishe wonke amabhange asebenza ngezibambiso. Kunzima kakhulu ezinhlanganweni ezinjalo ukukhipha imalimboleko evikelwe ngesabelo sezindlu (ngokwesibonelo, uma isabelo sefulethi noma igumbi elihlukile).

Buka 2. Amakotishi asehlobo nezindlwana zasehlobo

Izindlwana zasehlobo nazo zingamukelwa njengezokuphepha. Kodwa-ke, akuzona zonke ezingamukelwa njengezibambiso. Ukuze uthole imali ngokumelene nokuphepha kwe-dacha, kufanele kube yinto ephelele yokuthengisa impahla yangempela.

Ngakho-ke, kunezidingo ezilandelayo endlini.

• isakhiwo sinenhloko eyinhloko;
• indlu yakhiwa ngezinto ezingamelana nokushisa;
• ukuhlomisa ngakho konke ukuxhumana okudingekayo nogesi.

Ngaphezu kwezidingo zendlu, amabhange abeka izidingo ezimbalwa esizeni somhlaba eyakhiwe kuso.

Isiza somhlaba kufanele sihlangabezane nalezi zindlela ezilandelayo:

• umhlaba ungowokuhlala;
• impahla ibhaliswe ngokomthetho;
• yonke imibhalo isesikhathini;
• isiza asikho epaki kazwelonke noma endaweni evikela amanzi.

I-dacha kufanele itholakale esifundeni lapho kunehhovisi lasebhange lapho kuhlelwe khona ukukhipha imali mboleko.

Imininingwane engaphezulu ngemalimboleko evikelwe yisiqephu somhlaba ekushicilelweni kwethu okukhethekile.

Buka 3. Indlu yedolobha noma indlu enesakhiwo

Namuhla izindlu zamadolobha zithola ukuthandwa njengoba izindleko zazo ziphansi futhi ukunakekelwa akubizi. Esikhathini esiningi, izakhiwo ezinjalo zisanda kwakhiwa, zisendaweni enhle futhi zihlome kahle. Konke lokhu kuholela eqinisweni lokuthi ukuthola imalimboleko evikelwe yindlu yedolobha emabhange amaningi akuyona umsebenzi.

Okubalulekile! Amabhange nezindlu ezindala emkhakheni ozimele zamukelwa njengezibambiso, kepha ziwaphatha ngokuqinile.

Phakathi kwezidingo eziyinhloko zalezo zinto ezithengiswayo kungokulandelayo:

• indawo ngaphakathi kwedolobha;
• isisekelo senhlokodolobha;
• uphahla oluqinile;
• indawo enkulu ngokwanele.

Ababoleki kufanele baqonde ukuthi ngeke kube lula ukuthi imali mboleko ivikelwe yindlu eyakhiwe ngokhuni. Noma kunjalo, ungathola futhi amabhange asebenza ngezinto ezinjalo.

Buka 4. Izinto zokuthengisa izindlu nomhlaba

Hhayi kuphela indawo yokuhlala, kepha futhi kungathengiswa izindlu ezithengiswayo njengesiqiniseko semalimboleko. Kulokhu, kubhekwa njengokuncamelayo izitolo, izimakethe ezihlanganisiwe, izindawo zokudla... Izinto ezinjalo zibonakala ngokukhishwa kwemali ephezulu.

Noma kunjalo, kufanele kuqondwe okuthi lapho kunqunywa usayizi wemalimboleko, ivelu yendawo enjalo iyasungulwa okuphansi kakhulu ↓ukwedlula imakethe. Ngaphezu kwalokho, obolekayo kumele abe nayo yonke imibhalo eqinisekisa ubunikazi bempahla ethengiswayo.

Lapho uzama ukuphuma imali ebolekwe ngokugcina impahla futhi izakhiwo zezimboni abanikazi bavame ukubhekana nobunzima. Ukuthola ibhange elizokhipha imali ngalesi sibambiso kungaba nzima. Noma kungenzeka kutholakale umbolekisi ofanele, impahla izocatshangelwa kakhulu.

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Ngakho-ke, kungenzeka ukuthi uthole imalimboleko evikelwe yimpahla yangempela. into esemqoka - khetha izinto ezinamanzi ezingaduni njengezibambiso.

Okunakwa yibhange lapho ikhipha imalimboleko evikelwe yizakhiwo nezentengiselwano zabantu ngabanye nezinhlangano ezisemthethweni - okuningi kulokhu ngezansi

3. Yiziphi izindlela ezihlaziywa yibhange lapho likhipha imalimboleko evikelwe yi-real estate yokuhweba - izindlela eziyisihlanu eziyinhloko 📊

Emabhange, ukuthola imali mboleko evikelekile ngokuthengiswa kwezezakhiwo kungumugqa webhizinisi othembisa kakhulu.

Isikhathi nenani lezinhlelo ezinjalo zokubolekisa yizo ezinkulu kakhulu. Kumbolekisi, lokhu kusho imali engenayo ephezulu. Ngasikhathi sinye, ngenxa yokutholakala kwezibambiso ezisezingeni eliphakeme, ubungozi bancishiswa kakhulu.

Kuyafaneleka ukucatshangelwa! Okwezohwebo nezakhiwo kuze kube kukhokhwa imali ephelele yemalimboleko isikhubekiso... Umnikazi ngeke akwazi ukukudlulisela kunoma ngubani nganoma iyiphi indlela. Uma obolekayo enqaba ukufeza izibopho zesikweletu, umbolekisi ngenkantolo uzothatha leyo nto ethenjisiwe kuye.

Ukuthatha isinqumo ngokutholakala kokukhipha imali ngokumelene nokuvikeleka kwempahla yezezakhiwo, amabhange enza ukuhlaziywa.

Okokuqala, umbolekisi uhlola izindlela ezilandelayo:

1. solvency yomfakisicelo;
2. izindleko zempahla yezohwebo;
3. isikweletu;
4. isimo sezobuchwepheshe se-real estate;
5. ukubaluleka kwesibambiso somboleki.

Ngaphezu kwalokho, izindlela ezibekiwe zizocatshangelwa kabanzi.

Umbandela 1. Solvency of the umboleki

Kokuphepha kwezindawo ezithengiswayo, imali mboleko ebhange ingatholakala njenge ngokomzimbafuthi izinhlangano ezisemthethweni... Ukuhlolwa kwesixazululo salezi zigaba zababoleki kwenziwa ngezindlela ezahlukahlukene.

Lapho lihlaziya ukuthembeka kwezinhlangano ezisemthethweni, ibhange lihlaziya izindlela ezilandelayo:

1. Imiphumela yezezimali yenhlangano. Ngesikhathi esifanayo, imali engenayo, ama-akhawunti atholakalayo, ukutholakala kwemali mboleko emfushane neyesikhathi eside, kanye nenani lazo. Ibhange lenza ukuhlaziywa kwezezimali kwenkampani ukunquma ukuba khona noma ukungabikho kwezimpawu zokuqothuka okungenzeka esikhathini esizayo... Izinhlangano ezithola izimpawu ezifanayo ngeke zinikezwe imali mboleko. Lokhu kuchazwa iqiniso lokuthi impahla yezinkampani ezinjalo imvamisa ayenele ukwanelisa izimangalo zabakweletwayo.
2. Inani lezimali ezitholakalayo kuma-akhawunti. Kulesi simo, akuyona ibhalansi yosuku oluthile ehlolwayo, kepha amanani amaphakathi agcinwe kuma-akhawunti ngesikhathi esithile. Okubalulekile hlaziya ukuthi ingakanani imali enayo inkampani ekupheleni komjikelezo wokukhiqiza nokuthi ngabe izinkokhelo zemalimboleko zanyanga zonke zizoba nomthelela omubi enanini lemali. Uma leli nani linganele, ngokuhamba kwesikhathi, ukukhokhwa kwezibopho kungaholela ekwehleni ↓ Inhloko yokusebenza... Lokhu kungaholela ekwandeni kwe- ↑ amathuba okuqothuka.

Lapho kuhlolwa ukuxazululwa komuntu, kuhlaziywa izindlela ezilandelayo:

1. Isilinganiso semali engenayo nezindleko zomfakisicelo. Iphinde ihlaziye inani lemalimbolekoukuthi iklayenti lifuna ukwamukela futhi inani lezinkokhelo zanyanga zonke... Ngale njongo, zonke izindleko eziyizibopho ziyadonswa emholweni wenyanga obolekayo ongaba khona. Ibhalansi iqhathaniswa nenani lokukhokha okulindelekile emalimboleko. Uma idlula 30% inani elisele lemali engenayo, ibhange lizokwenqaba ukukhipha imalimboleko.
2. Iminyaka yomfakisicelo. Le nkomba ithinta isikhathi esilinganiselwe semali mboleko. Amabhange anelungelo lokunquma ngokuzimela iminyaka akhipha ngayo imali. Imvamisa, umfakisicelo akumele abe mdala 65 iminyaka. Abanye ababolekisi basebenzisa nemikhawulo yeminyaka. Ngaphansi kwemigomo yokubolekwa kwemali, uma obolekayo engaphezu kweminyaka ethile, imalimboleko izokhishwa ngemibandela engemukeleki kangako.
3. Umlando wesikweletu. Ngaphandle kokuthi ama-credit bureaus aqoqe inani elikhulu lolwazi mayelana nababoleki, akuwona wonke amabhange asebenzisa le datha. Imvamisa lokhu kusebenza ku- imali mboleko yabathengi... Kumakhasimende ngisho lapho kukhona ukubambezeleka kwezinye izikhungo zezikweletu, imvamisa kungenzeka ukuboleka imali kwabanye. Uma imalimboleko ivikelekile ngokuthengiswa kwezindawo ezithengiswayo, idumela lababolekayo alinzima kangako.

Umbandela 2. Izindleko zempahla yezohwebo

Isigaba esilandelayo sokuhlaziywa ukuhlolwa kwenani lempahla ethengiswayo, okufanele isetshenziswe njengesibambiso.

Amabhange amakhulu abelwe lezi zinhloso abasebenzi ngabanye.

Ezikhungweni ezincane zezikweletu, abahlinzekelwa kuhulumeni, ngakho-ke, ukuhlola izindlu ezithengiswayo, umboleki kumele axhumane ngokuzimela ongoti abazimele.

Kuyafaneleka ukucatshangelwa! Ibhange livame ukunikeza iklayenti uhlu lwezinkampani ezithile ongakhetha kuzo. Uma uthinta inhlangano evela kulolu hlu, isiphetho sokuhlolwa sizokwenziwa ngokushesha okukhulu.

Ezimweni lapho obolekayo ethatha isinqumo sokusebenzisa amasevisi we-appraiser obebhange naye ngaphambilini hhayi babambisene, abasebenzi bombolekisi kuzodingeka benze ukuhlaziywa okuphelele kwenkampani.

Lapho uhlola inhlangano ehlola inani lempahla ethengiswayo, lezi zici ezilandelayo ziyafundwa:

1. uvumeleke kangakanani umsebenzi wokuhlola izindlu ezithengiswayo;
2. ingabe inkampani inenqubomgomo yomshwalense;
3. ubude bensizakalo, kanye nezinga leziqu labasebenzi be-appraiser.

Ukuhlaziywa okunjalo kudla isikhathi. Kuzofanele ngilinde kusuka ezinsukwini ezimbalwa kuya emavikini ambalwa.

Okubalulekile! Isikhathi senqubo sizobe sesiphezulu, uma imali mboleko ikhishiwe egatsheni lesikhungo sezikweletu, ngoba ihhovisi elikhulu livame ukubhekana nokuhlola i-appraiser. Ngakho-ke, umfakisicelo wemalimboleko kuzodingeka alinde ukuxhumana okufanele phakathi kwalezi zingxenye.

Ngokuya ngokuthi iyiphi inkampani ezokhetha ezokhethwa, umphumela wokubala inani lempahla ye-real estate ingahluka. Ngasikhathi sinye, kuyazuzisa kombolekayo ukuthi ukuhlolwa kukhulu kakhulu. Lokhu kungenxa yokuthi le ndleko ikhiqizwa ukubalwa kwenani lemalimboleko elikhona... Iklayenti ngeke lisakhishwa 70-80% inani elilinganisiwe.

Ngokwemvelo, ababolekisi bayazi ukuthi umphumela wokuhlaziywa kwabahloli bezinhlelo uyahluka. Kungakho-ke bavame kakhulu ukunikeza ababoleki uhlu oluthile lwezinkampani. Ngenxa yalezi zenzo, amabhange angaqiniseka ukuthi inani lesibambiso ngeke leqiswe.

Obolekayo kumele aqonde ukuthi uma kuvezwa ngokweqile inani lesibambiso, ibhange livame ukwenqaba ukukhipha imali. Kwezinye izimo (uma indawo ethengiswayo inentshisekelo kumbolekisi), wandisa isaphulelo abolekise mayelana 60% inani elimenyezelwe.

Umbandela 3. Ukweqiswa kwempahla yezohwebo

Uketshezi futhi kungenye yezindlela ezibaluleke kakhulu ezisetshenziselwa ukuhlola impahla yezohwebo.

Uketshezi yikhono lesibambiso ukuze liphenduke imali ngokushesha nangaphandle kokulahleka. Ngakho-ke, lapho le nkomba iphakama, kuzobiza kakhulu futhi kusheshe ukuthengisa izindlu nomhlaba, uma kunesidingo, futhi okuphambene nalokho.

Amabhange azama ukuxhumana nezinto ezinazo phansi, futhi Ukweqisa okuncikene... Ukuzithengisa ngentengo engabizi kungaba yinkohliso. Lokhu kusho ukuthi ibhange ngeke likwazi ukusebenzisa izimali zalo isikhathi eside.

Lapho uthatha isinqumo sokukhipha imalimboleko evikelwe yi-real estate yokuhweba ngemali ephansi, umbolekisi uthatha ingozi ethile.

NGOKWESIBONELO, umboleki wesikhathi esizayo akakwazi ukuthengisa impahla yakhe isikhathi eside. Uphendukela kumhloli wezintengo okhuthaza inani lempahla. Ngemuva kwalokho, kukhokhwa imali mboleko emelene nebheyili yakhe, okungekho muntu ozoyibuyisa.

Ngenxa yalokho - Ibhange lishiywe ngaphandle kwemali nempahla engadingeki muntu... Ukugwema izimo ezinjalo, umbono womhlaziyi uhlolwa ngokucophelela ngabezokuphepha, kanye nomnyango wesibambiso.

Umbandela 4. Isimo sobuchwepheshe besakhiwo

Ebhange, ngaphezu kwalezi zindlela ezingenhla, kubalulekile ukuhlola isimo sobuchwepheshe sento ye-real estate yokuhweba, kanye nokuthi kungenzeka yini ukuyisebenzisa ngaphandle kokutshalwa kwemali okwengeziwe. Ngale njongo, okuthiwa ukubhala phansi kwezobuchwepheshe.

Ukubhalwa phansi kwezobuchwepheshe kubandakanya ukutadisha lezi zinkinga ezilandelayo:

1. unyaka wokwakhiwa kwesakhiwo lapho impahla yezohwebo ikhona;
2. isikhathi esisele kuze kube sekupheleni kokusebenza kwesakhiwo;
3. indawo yangempela;
4. ukuhambisana kwemininingwane eshiwo kumadokhumenti ngeqiniso.

Ngaphezu kwalokho, uma impahla ingasetshenziselwa inhloso ehlosiwe ngaphandle kwezindleko ezengeziwe, ukuheha kwalowo obolekayo ongaba khona emehlweni ombolekisi kuphakeme. Lokhu kungenxa yekhono lokuthola imali ngokusebenza kwempahla.

Umbandela 5. Ukubaluleka kwempahla kulowo obolekiwe kuthenjisiwe

Ukubaluleka kwento ethengiswayo ethengiswayo yomuntu obolekayo kunquma ukuthi uzobekwa malini ngesikhathi futhi ngokugcwele ukufeza izibopho zakhe.

Uma lesi sakhiwo siyingxenye yempahla yenhlangano, ihlala ibalulekile ekwenzeni okuthile izakhiwo zezimboni, le nto izokwenza umehluko omkhulu kumnikazi. Isidingo sokuthengisa lezo zakhiwo singasongela ngokumiswa komkhiqizo nasekulahlekelweni okukhulu.

Uma kuqhathaniswa nezinye izindawo ezibandakanyeka emisebenzini yenkampani, amahholo okukhiqiza abaluleke kakhulu. Ngesikhathi esifanayo izinqolobane futhi Izitolo ukulahlekelwa akusabisi kangako, ngoba kungaqashwa kalula. Kungakho ukubaluleka kwezindlu ezithengiswayo kungaphansi kakhulu.

Lapho uhlaziya ukubaluleka kwezezakhiwo ezithengiswayo zabantu ngabanye, kungenzeka ukuthi kubhekiswe amathuba okuqashisa ngenhloso yokwenza imali. Imvamisa, abantu babodwa banehhovisi elincane nezindawo zokuthengisa ezisezingeni eliphansi lezakhiwo zokuhlala.

• Uma impahla iqashisiwe, singakhuluma ngokubaluleka okuphezulu kwento enjalo kumuntu obolekayo. Ngemuva kwakho konke, uthola imali kuyo futhi akunakwenzeka ukuthi afune ukulahlekelwa yiyo.
• Uma bengekho abaqashi, futhi izakhiwo zidinga ukulungiswa okubalulekile, noma izidingo zeziphathimandla ezilawulayo ziphulwa, ukubaluleka kuzokwehla kakhulu. Uma ukubaluleka kuphansi, ingozi yokuthi umboleki ngeke akhokhe imali ebolekiwe ngokuthembeka iyakhula. Umphumela uwukuthi ukulahla ngesicelo noma ngokunyusa ↑ isaphulelo ibhange.

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Ngakho-ke, kungenzeka ukuthi uthole imali evikelekile ngokuthengisa izindlu nomhlaba. Kodwa-ke, kufanele kukhunjulwe ukuthi kuzofanele umelane nokuhlaziywa okunzima.

Izinketho zokuthola imalimboleko evikelwe yi-real estate

4. Izindlela ezifakazelwe zokuthola imalimboleko (imalimboleko) evikelekile ngezindawo ezithengiswayo - TOP-3 izinketho ezingcono kakhulu 📋

Ukuthola imali evikelwe yi-real estate ngokuvamile kulula kakhulu kunokunganikezi ukuphepha. Ngaphambi kokufaka isicelo, kubalulekile ukuthi ufunde ukuthi yiziphi izindlela ongathola ngazo imali mboleko evikelekile. Ngezansi kukhona izinketho ongazisebenzisa ukuthola imali.

Inketho 1. Imalimboleko yasebhange

Ukusebenza kwemali mboleko ezinhlanganweni zebhange kuyindlela ephephe kunazo zonke. Ngakolunye uhlangothi, izikhungo ezinkulu zezikweletu zibeka izidingo eziphakeme kakhulu zomboleki nesibambiso. Kodwa-ke, amabhange abucayi aqinisekisa ukuphepha kwempahla. Ukwenza lokhu, kwanele ukufeza izibopho ezenziwe ngesikhathi futhi ngokugcwele.

Sabhala kolunye lwezincwadi zethu ukuthi yiliphi ibhange elingcono ukuboleka imali.

Phakathi kwezidingo amabhange azibophela ababolekayo yilezi ezilandelayo:

1. Ubudala hhayi ngaphansi 21 konyaka futhi akusekho 65 iminyaka.Amanye amabhange ashintsha imikhawulo. Ngakho-ke, Sovcombank yemukela izicelo ezivela kubantu abangaphansi kweminyaka yobudala 85 iminyaka.
2. Ukubhaliswa unomphela. Imvamisa kusethwe umkhawulo - isitembu epasipoti kufanele okungenani sibe yizinyanga eziyisithupha.
3. Ukuqashwa kufanele kube semthethweni.
4. Inani lemali engenayo. Kuyadingeka ukuthi inani lemali engenayo alikho ngaphansi 2 izikhathi zidlule inkokhelo yenyanga. Akuwona wonke amabhange adinga ubufakazi obubhaliwe bemiholo.

Imali mboleko ezikhungweni ezibhekwayo yinde kakhulu Isikhathi esiphezulu... Ingafinyelela 25 iminyaka.

Sonke lesi sikhathi, umboleki unelungelo lokusebenzisa impahla ngenhloso yakhe. Isimo kuphela ukuthi ngeke akwazi ukuyilahla ngokuthanda kwakhe. Ngamanye amagama, impahla ingathengiswa, inikelwe noma ishintshaniswe kuze kubuyiselwe imali ephelele.

Inketho 2. Imalimboleko evela enhlanganweni yamabhizinisi amancane

Izinhlangano ze-Microfinance (MFOs) zinezidingo ezithambile kumakhasimende, kanye nezindawo ezithengiswayo.

Kungakho labo bantu abakweletwayo besondela kulabo abangakwazi ukuqinisekisa imali yabo. Futhi, ama-MFIs ngokuvamile aba ukuphela kwendlela yokuphuma yalabo umlando wabo wesikweletu owalimala phambilini. Sesivele sikhulume ngokuthi singayithola kanjani futhi kuphi imali yomlando wesikweletu esibi ku-athikili ehlukile.

Kunezinye izinzuzo zezinhlangano zezimali ezincane:

• ungathola ingxenye yokuqala yezimali ngosuku lokufaka isicelo;
• ungathola imalimboleko yendawo ingavunywa ngamabhange - etholakala ezindaweni ezingadumile, esitezi sokuqala nesokugcina;
• ukusetshenziswa kabi kwezimali;
• uhlelo lokukhokha oluguquguqukayo.

Ngaphandle kwezinzuzo ezibalulekile, ama-MFI nawo anokubi.

Okubi kokubolekwa kwemali enhlanganweni yezimali ezincane kubandakanya:

• isikhathi esifushane;
• izinga eliphezulu;
• ubungozi bokulahlekelwa yimpahla bungaphezulu kwalapho uboleka ebhange.

Option 3

Uma amabhange nezinhlangano zezimali ezincane zenqaba ukukhipha imali mboleko, kunengqondo ukuphendukela kubatshalizimali abazimele. Abantu abanjalo bakhipha izimali ngokuvikela ngaphandle kwezinkinga. amafulethi, amahhovisi kanye nendawo yokugcina impahla, umhlaba... Noma kunjalo, azenzi akukho amasheke futhi awudingi ireferensi.

Ububi bokubolekiswa ngabadayisi abazimele yile:

1. isikhathi esincane sokubuyiselwa imali;
2. amaphesenti aphezulu;
3. kunengozi enkulu yokubhekana nabakhohlisi phakathi kwabakweletwayo.

Uma umboleki ebhekene nenkohliso, uzibeka engcupheni yokungatholi imali nokulahlekelwa yimpahla. Kungakho abatshalizimali abazimele kufanele bakhethwe ngokucophelela okukhulu. Ungafuna usizo ku abadayisi... Kodwa-ke, kunabakhohlisi abaningi lapha futhi. Sincoma ukufunda i-athikili yethu kwizimalimboleko ezizimele.

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Ngakho kukhona 3 indlela esemqoka yokuthola imalimboleko evikelekile nge-real estate. Ngamunye wabo unezinzuzo nezinkinga zawo.

Kubalulekile esigabeni sokunquma ngemalimboleko yokufunda wonke ama-nuances ukuze ukhethe inketho enhle kakhulu.

Izigaba ezisemqoka zokuthola imalimboleko evikelwe yi-real estate

5. Ungayithola kanjani imalimboleko evikelwe ngokuthengiswa kwezindlu ebhange - izigaba eziyisihlanu eziyinhloko 📝

Ababolekisi abaningi, banquma ukuthola imalimboleko evikelwe yimpahla yangempela, abazi ukuthi baqale kuphi. Bacabanga ukuthi le nqubo yinde futhi iyinkimbinkimbi.

Kodwa-ke, uma ulandela imiyalongezansi kuzokwenza umsebenzi ube lula kakhulu. Okulandelayo yizinyathelo eziyinhloko ozodlula kuzo.

Isigaba 1. Ukukhetha ibhange

Lapho ukhetha ibhange, kufanele uthole isikhungo esithembekile. Noma ingawa, obolekiwe uzoqhubeka nokukhokha imali ebolekisiwe. Kepha kuzodingeka udlulisele imali kwenye inhlangano. Lokhu kungaholela ezinkingeni ezingadingekile. Ngakho-ke, ukukhetha kombolekisi kufanele kubhekwane nakho ngendlela efanele.

Ukuthola ibhange elihle kakhulu, kubalulekile ukunaka amapharamitha alandelayo:

1. Izinkomba zokusebenza kwezezimali. Amabhange athembekile ahlala eshicilela imininingwane eyisisekelo esizindeni somphakathi;
2. Ukusebenza emakethe yezezimali yaseRussia. Okufanelekile, kufanele yeqe 15 iminyaka;
3. Isilinganiso.Kubalulekile ukutadisha ukuhlolwa kwama-ejensi ochwepheshe;
4. Izibuyekezo.Kubalulekile ukuthembela kumazwana azimele. Ungasebenzisa futhi izincomo zabathandekayo.

Ukwenza ukukhetha kwakho kube lula, ungasebenzisa izinsizakalo ezizimele zokuqhathanisa amabhange. ERussia, izinsiza zinegunya elikhulu kunawo wonke Amabhange.ru futhi Qhathanisa.ru.

Uma unesithakazelo ebhange elithile, kufanele ufunde izindaba ngalo. Ukuguqulwa kobunikazi, kanye nokudluliswa kwempahla, akusona isikhathi esihle sokufaka isicelo semalimboleko ebhange elikhethiwe.

Isigaba 2. Ukulungiswa kwephakeji lemibhalo

Kungcono ukulungisa imibhalo eyisisekelo kusengaphambili, ngisho nangaphambi kokuxhumana nebhange. Umuntu ngamunye okweletwayo ngokuzimela uthuthukisa uhlu lwezokuphepha oludingekayo. Kodwa-ke kukhona uhlu lwemibhalo oludingwa yiwo wonke amabhange.

Imibhalo elandelayo yomboleki imvamisa iyadingeka:

• ipasipoti yesakhamuzi seRussia Federation;
• incwadi yesibili;
• ikhophi yenkontileka yokuqashwa noma incwadi yamarekhodi omsebenzi;
• isitifiketi semali engenayo (bangasamukela isitatimende ekhadini leholo);
• kubantu abasha abaneminyaka yobudala bokubhalwa - i-ID yezempi;
• kwabahola impesheni - isitifiketi sempesheni.

Ukuthola imali evikelwe yi-real estate, uzodinga nemibhalo yale nto.

Ngokwesiko, imibhalo elandelayo yezezakhiwo iyadingeka:

• incwadi eqinisekisa ubunikazi;
• isitifiketi sobuchwepheshe;
• imibhalo yetayitela - isivumelwano sokuthengisa nokuthenga, umnikelo, ifa nokunye;
• idokhumende eqinisekisa ukungabi khona kokuboshwa, ukungaboni ngaso linye kanye neminye imikhawulo ezenzweni zempahla yangempela
• uma kukhona oshade naye - imvume yakhe yokusebenza nezindawo ezithengiswayo.

Eminye imibhalo ingadingeka, ngokwesibonelo, khipha encwadini yendlu noma isitifiketi sokungabikho kwesikweletu kuzinkokhelo zesevisi.

Isigaba 3. Ukuhlolwa kanye nokulinganiswa kwempahla

Ochwepheshe batusa uku-oda ukuhlolwa kwezindlu kusengaphambili. Kepha kufanele kukhunjulwe ukuthi umbono we-appraiser empeleni awudluli izinyanga eziyisithupha.

Kuyafaneleka ukucatshangelwa! Uma umboleki engazi-odeli ukulinganiswa kwempahla uqobo, ibhange cishe lizozibala inani lempahla lodwa. Kulokhu, phezulu ingozi yokwehlisa inani elilinganisiwe.

Kodwa-ke, isisebenzi sesikhungo esibolekisayo sizohlola leyo ndawo noma kunjalo. Uma ethola isizathu sokuthola iphutha kokuthile, nakanjani uzokwenza futhi azuze ukwehla kwenani elilinganisiwe.

Isigaba 4. Ukusayina inkontileka nokuthola imali mboleko

Ukusayinwa kwesivumelwano semalimboleko yisigaba esibaluleke kakhulu sokubhaliswa. Kubalulekile ukuthi ungakhohlwa ukuthi le dokhumenti kufanele ihlaziywe kahle ngaphambi kwesikhathi.

Amabhange awahlali ezimisele ukudlulisela kumboleki yonke iminxa yesivumelwano. Imvamisa benza imali ngeqiniso lokuthi amaklayenti kungenzeka angazinaki ezinye zezici zokubolekwa kwemali.

Yingakho inkontileka kufanele ifundwe ngokucophelela ngangokunokwenzeka... Kungcono ukwenza lokhu endaweni ekhululekile, ngokufanele ngosizo lommeli ochwepheshe.

Lapho ufunda inkontileka, kubalulekile ukunaka la maphuzu alandelayo:

1. ubukhulu besilinganiso esisebenzayo;
2. ubukhona kanye nenani lamakhomishini wemisebenzi ehlukahlukene;
3. imibandela yokubala nenani lenzalo nezinhlawulo;
4. ayini amalungelo omboleki njengomnikazi wesibambiso.

Lapho kusayinwa isiginesha, kusala ukuthola imali. Muva nje, abavamile ukukhishwa ngokheshi (ikakhulukazi ngamanani amakhulu). Imvamisa amabhange asetshenziselwa ukukhipha imali mboleko amakhadi asebhange noma ama-akhawunti.

Isigaba 5. Inkokhelo yemalimboleko

Isigaba sokugcina sokubolekwa okuvunyelwe izindlu nomhlaba kumboleki ukukhokha isikweletu. Amabhange ngokuvamile anikeza amakhasimende izindlela eziningi zokukhokha.

Kufanele kukhunjulwe okubandakanya ezinye izinketho zokubuyiselwa kwemali mboleko ukushaja ikhomishini... Ngakho-ke, kubalulekile ukuthola kusengaphambili ukuthi iyiphi indlela yokwenza izinkokhelo ezoba elula kakhulu futhi ibe nenzuzo.

Amabhange amaningi athembisa ukukhokha nge-Intanethi... Le ndlela ivame ukwamukeleka kakhulu.

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Ngakho-ke, akunzima ukuthola imalimboleko yasebhange. Kwanele ukulandela ngokuqinile imiyalelo enikeziwe.

6. Ungatholaphi imali mboleko evikelekile nge-real estate - TOP-4 amabhange aziwayo 💰

Akudingekile ukuthembisa izindlu nezindlu ukuthola imali mboleko yasebhange. Uma inani lincane, kufanelekile ukuzama ukuthola imalimboleko yabathengi noma ikhadi lesikweletu... Kuchazwe ngezansi 4 amabhangeethandwa kakhulu ngababolekisi.

1) I-VTB Bank yaseMoscow

Lesi sikhungo sezikweletu singomunye wabaholi emakethe yezimali eRussia. Lapha ungathola imali, kokubili ngebheyili nangaphandle kwayo. Ngaphezu kwalokho, kungenzeka ukuthi kutholakale imali ebanjiswayo, evikelekile yifulethi elithengiwe.

E-VTB Bank yaseMoscow, isilinganiso siqala kusuka ku-14.9% ngonyaka... Abantu abasebenzela umphakathi, kanye nabathengi bamaholo, bangathembela kwizaphulelo kanye nezinzuzo ezahlukahlukene. Ubukhulu ongabuthatha 3 ama-ruble ayisigidi.

Uma kwenzeka izimo ezinzima, ababoleki banelungelo loku amaholidi esikweletu... Kulokhu, ungathola inkokhelo ehlehliselwe i- 1-2 izinyanga ngaphandle kwemiphumela emibi.

Isicelo semalimboleko ebhange okukhulunywa ngaso singafakwa ngaphandle kokushiya ikhaya lakho, nge-Intanethi. Kulokhu, umphumela ngeke wazi ngaphezu kokudlula 15 imizuzu.

2) I-Sovcombank

Kuleli bhange, amaklayenti emiholo angathembela ezimweni ezikhethekile zokubolekwa kwemali. Ngaphezu kwalokho, into ehlukile kule nhlangano ukuthembeka kwayo kubantu abahola impesheni, okungezona zonke izikhungo ezikweleta ezingaziqhayisa.

Uma ufuna ukuthola imalimboleko kwaSovcombank, isiqinisekiso semali engenayo asidingeki. Kodwa-ke, uma kungekho mbhalo weholo, inzalo eyengeziwe emalimboleko izosebenza.

Lapho ufaka isicelo semalimboleko evikelwe yi-real estate, kuzokwenzeka ukuthi ufike lapha kusuka 300 000 ngaphambi 30 000 000 ama-ruble... Kepha ibhange ngeke lisakhipha 60% wenani elilinganisiwe lento ethembisiwe. Izinga eSovcombank liyaqala kusuka ku-18.9% ngonyaka.

3) Isikweletu se-Renaissance

Nansi indlela esheshayo yokukhipha ikhadi lesikweletu. Izongena kahle uma udinga imali encane. Umkhawulo wesikweletu sekhadi ungafika ku- 200 000 ama-ruble... Ibhange alithathi ikhomishini ngokukhiqiza nokunakekela kwayo.

Ukufaka isicelo, ungavakashela iwebhusayithi Isikweletu se-Renaissance... Kuthatha kuphela imizuzu embalwa ukugcwalisa uhlu lwemibuzo olufushane. Emahoreni ambalwa, ibhange lizobheka isicelo bese limemezela isinqumo ngalo. Uma kuvela ukuthi inhle, kusalokhu kuvakashela ihhovisi lasebhange bese uthola ikhadi lesikweletu.

4) I-Alfa-Bank

Lapha ungathola imalimboleko engavikelekile noma imalimboleko evikelwe ngokuthengiswa kwezindlu. Kodwa-ke, okuthandwa kakhulu phakathi kwamakhasimende e-Alfa-Bank yi- ikhadi lesikweletu.

Umkhawulo womkhiqizo okukhulunywa ngawo ungafinyelela 750 000 ama-ruble... I-Alfa-Bank inikeza isikhathi somusa esikhulu kunazo zonke uma iqhathaniswa namakhadi wamanye amabhange. Uma ukwazi ukukhokha isikweletu ngaphakathi 100 izinsuku, inzalo ngeke ikhokhiswe.

Ezimalimboleko zabathengi, ababoleki abathola inkokhelo ekhadini le-Alfa-Bank bangathembela kwimigomo ekhethwayo. Kulokhu, isilinganiso sizoba cishe 3-5% ngonyaka ngezansi.

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Ukukhethwa kwamabhange okuthola imalimboleko namuhla kukhulu. Ukuze ungadideki, ungasebenzisa izilinganiso zochwepheshe ukukhetha umbolekisi ohamba phambili.

Ukuze kube lula ukubona, sifingqe imigomo yokubolekwa kwezikhungo ezikhulunywe ngenhla etafuleni.

Amabhange ama-TOP-4 nezimo zawo zemalimboleko:

№	Ibhange	Inani eliphakeme	Linganisa	Ama-nuances abolekisayo
1	I-VTB Bank yaseMoscow	3 million ruble	Kusuka ku-14.90% ngonyaka	Obolekayo unelungelo lokukhetha ngokuzimela usuku lwenkokhelo yanyanga zonke efanelekayo kuye
2	Sovcombank	Ama-ruble ayizigidi ezingama-30	Kusuka ku-18.90% ngonyaka	Amafulethi, izindlu ezizimele, iziza zomhlaba zamukelwa njengezibambiso
3	Isikweletu se-Renaissance	Ngekhadi lesikweletu - ama-ruble ayizinkulungwane ezingama-200, ngemalimboleko yabathengi - ama-ruble ayizinkulungwane ezingama-700	Kusuka ku-13.9% ngonyaka	Kunenani elikhulu lezinhlelo zezikweletu, kufaka phakathi amakhadi, ukubolekwa kwabahlala emhlalaphansi
4	I-Alfa Bank	On loan yabathengi - ruble million 3, ekhadini - ruble ayizinkulungwane 750	Kusuka ku-14.90% ngonyaka	Inani elikhulu lezindlela zokukhokha ezitholakalayo

Imibandela yokunikezwa kwemali mboleko evikelekile ngezindlu noma izakhiwo ngaphandle kobufakazi bemali engenayo nomsebenzi

7. Ngingayikhipha kanjani imalimboleko evikelekile ngezindawo ezithengiswayo ngaphandle kobufakazi bemali engenayo - izimo zamabhange kanye nemibhalo edingekayo

Amathuba okuthola imalimboleko ngaphandle kokuqinisekiswa kwemali engenayo evikelwe yimpahla ingaphezulu kunokungabikho kwesibambiso. Lokhu kungenxa yokuthi ubungozi bombolekisi buqinisekiswa yimpahla ebalulekile.

Lapho ufaka isicelo semalimboleko, kusetshenziswa imithetho ethile. Ngaphandle kokuthi ibhange ngalinye lizithuthukisa ngokuzimela, bonke basebenzisa uhlelo oluthile.

7.1. Amagama abolekisayo

Isinyathelo sokuqala sokuthola imalimboleko evikelwe yimpahla ingukuthi ukukhetha kwesibambiso... Amabhange ahlukahlukene angakhipha imalimboleko kulabo abanomhlaba, ukuhweba noma izindlu zokuhlala.

Okubalulekile! Kwezinye izimo, kuvela ubunzima bokuthola imalimboleko evikelwe amafulethi lapho izingane ezincane, futhi abahola impesheni.

Esinye isimo esibalulekile ngu isikimu sokubuyisa izikweletu... Ngokwesiko, enye ye- 2 izinketho:

1. Izinkokhelo zempesheni kusho ukukhokhwa kwemali mboleko ngamanani alinganayo. Ngesikhathi esifanayo, okokuqala lapho umboleki ekhokha iningi lenzalo, isikweletu esiyinhloko sincipha kancane kakhulu;
2. Izinkokhelo ezihlukanisiwe incipha kancane kancane. Ukuzibala, inani eliyinhloko lihlukaniswe izingxenye ezilinganayo. Ngasikhathi sinye, inzalo incipha kancane kancane.

Kukhona enye indlela yokubuyisa imali mboleko, esetshenziswa kancane kakhulu. Kulokhu, phakathi naso sonke isikhathi sesivumelwano, obolekayo uyakhokha kuphela inzalo. Lapho iphela, uthishanhloko uyabuyiselwa.

Imvamisa, ababolekayo bangaba ngabantu abanekhono asebekhulile kusuka eminyakeni engama-21 kuya kwengama-65 ubudala... Amabhange amaningi nawo adinga Ubuzwe baseRussia... Thola imali mboleko engaphezulu koku- 15 iminyaka ayivamile ngokweqile. Izinga lenzalo alincikile ebhange kuphela, kodwa futhi esikhathini senkontileka kanye nohlelo lokukhokha izikweletu. Izinga lesilinganiso semakethe ngu 7-25% ngonyaka.

Ukubala imalimboleko evikelwe yi-real estate, siphakamisa ukuthi kusetshenziswe umshini wokubala wemalimboleko, lapho ungashesha ukubala izinkokhelo zanyanga zonke nenzalo yemalimboleko:

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Namuhla, amabhange avame ukukhipha imalimboleko evikelwe yimpahla kuma-ruble aseRussia. Kaningi kungenzeka ukuthi uboleke imali ngemali yangaphandle.

Ochwepheshe batusa cabanga kahle ngaphambi kokuvuma ukubolekwa ngemali yakwamanye amazwe... Imakethe yezezimali manje ayizinzile ngokweqile, ngakho-ke kukhona ingoziukuthi inkokhelo ngokwemigomo ye-ruble izobe iphakeme kakhulu kunakuqala.

Ezimweni eziningi, ngeke ukwazi ukuthola okuningi 60-70% wenani elilinganisiwe lempahla yangempela. Amanye amabhange anikela ngokuthola izizumbulu zemali emelene naleso sibambiso. Isamba semali mboleko esiphezulu singafika ku- Ama-ruble ayizigidi ezingama-40.

Esinye isici salolu hlobo lwemalimboleko sithi Isimo sobuqotho kubabolekisi... Ezimweni eziningi, awudingi ukubhala phansi imali engenayo. Ngaphezu kwalokho, imalimboleko ingatholwa noma ngabe kunomlando wesikweletu ongathandeki.

Lapho uthola imali evikelwe yi-real estate ebhange, akufanele wesabe ukulahlekelwa yiyo. Imvamisa, ukubolekiswa kwenziwa ngokuya kohlelo olungasho ukuthi ukubhaliswa kabusha kwento eboshiwe. Impahla ihlala kumnikazi womboleki. Noma kunjalo, uma evuma ukuthi ulahlekile, umboleki akalahlekelwa yimpahla.

Obolekiwe angalahlekelwa yimpahla kuphela Ngesinqumo senkantolo. Ngaphezu kwalokho, uma isibambiso siya ebhange, sizobuyisa umehluko phakathi kwentengo yokuthengisa nenani lesikweletu kumboleki.

7.2. Imibhalo edingekayo

Ngaphambi kokuba ibhange likhiphe imalimboleko evikelwe yi-real estate, izodinga isethi ethile yemibhalo.

Okubalulekile! Lapho kukhona ukuphepha, ngaphezu kwemibhalo yendabuko yesakhamuzi, okokuqala kuzodingeka ufakazele ukuba semthethweni kokuba ngumnikazi wale ndawo.

Kususelwa kuphela emiphumeleni yokucubungula imibhalo enikeziwe, kungathathwa isinqumo ngokutholakala kokukhishwa kwemali, kanye nosayizi wenani lenzalo.

Uhlu olulinganiselwe lwemibhalo oludingekayo ukuthola imali mboleko evikelwe yi-real estate lumi kanje:

• ipasipoti yalowo obolekayo;
• isitifiketi sobunikazi;
• imibhalo lapho kutholakale khona ilungelo lobunikazi;
• ipasipoti ye-cadastral.

Futhi, amanye amabhange adinga khipha encwadini yendlu... Ngokuthola izindlu nomhlaba emshadweni, uzodinga imvume yomlingani ukuyidlulisa njengesibambiso.

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Ukwazi izimo nezimiso zemalimboleko evikelwe yi-real estate kusiza ukugwema izinkinga eziningi. Uma uzifunda kabanzi NGAPHAMBI ukufaka isicelo, inqubo izokwenziwa lula kakhulu.

Izindlela zokuthola imali mboleko yomthengi engafanele evikelekile ngokuthengiswa kwezindlu ngababolekisi abanomlando wesikweletu (owonakele) omubi

8. Ungayithola kanjani imali mboleko yomthengi engafanele evikelekile ngezindlu nomlando omubi wesikweletu - izindlela ezi-3 zangempela 💡

Kunezimo eziningi ezingaholela ekukhokhelweni kwesikhathi. Okusemqoka ngokuvamile kuyafana - konakalisa umlando wesikweletu salowo obolekayo (i-CI). Kulokhu, idumela lingonakaliswa ngisho noma libambezeleka ngezinsuku ezimbalwa.

Ngokuzayo, kungavela ubunzima lapho uzama ukuthola imali mboleko entsha. Ibhange lizohlola umlando wesikweletu i-Bureaulapho igcinwa khona. Leli thuba lisetshenziswa ngu 95% wamabhange asebenza ezimakethe zezezimali.

Kuyafaneleka ukucatshangelwa! Ngaphandle kweqiniso lokuthi cishe akunakwenzeka ukuthola imali mboleko ngomlando wesikweletu esibi, ukwandisa amathuba esinqumo esihle kungokoqobo... Kwanele ukuthembela nge-liquid real estate.

Kukhona Izindlela ezi-3 eziqinisekisiwe, okukuvumela ukuthi uthole imali mboleko kuleli cala. Ake sicabangele ngayinye yazo.

Indlela 1. Thinta ibhange ngqo

Akunandaba nezinga lenkohlakalo yomlando wesikweletu ngokuyinhloko kufanele uxhumane nebhange. Ezinye izikhungo zezikweletu zithembekile kumakhasimende angabanikazi bezindlu. Abawuqapheli umlando omubi wesikweletu.

Kuliqiniso, isilinganiso kuleli cala sizoba ngaphezulu kwesilinganiso. Ngaphezu kwalokho, amathuba okuthola imvume ebhange mancane - cishe 20%.

Indlela 2. Sebenzisa usizo lomthengisi wesikweletu

Abadayisi bangabalamuli phakathi kwamakhasimende namabhange. Bayakwazi ukuxazulula inkinga yokuthola imalimboleko ngomlando wesikweletu owonakele cishe ngamunye 5 izinsuku... Kepha isizathu sokubambezeleka kwemali mboleko kumele sibe enenhlonipho.

Imvamisa umthengisi ubambisana namabhange amaningi ngasikhathi sinye. Ngakho-ke, ithuba lokuvunywa liyakhula. Kodwa-ke, uma iklayenti linqatshiwe, lingazama inhlanhla ngomunye umthengisi.

Indlela 3. Faka isicelo semalimboleko ephuthumayo (imalimboleko) evikelwe yizakhiwo enkampanini yezikweletu ezimele

Namuhla, inani lezinhlangano ezizimele eziboleka abantu ngabanye lenyuke kakhulu. Ebukhoneni besibambiso ngesimo sempahla yangempela, amathuba okuthola imali akhula kakhulu.

Ngokwemvelo, izinkampani ezizimele azinaki ikhwalithi yomlando wesikweletu. kodwa bavame ukubheka umuntu ukuthi asikho yini isikweletu kubasizi besikhonzi senkantolo.

Imininingwane yokuthi ungathola kanjani imali mboleko ekhadini ngokushesha ngaphandle kokubheka umlando wakho wesikweletu ichaziwe endatshaneni yethu ehlukile.

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Lapho uthatha isinqumo ngemalimboleko evikelwe yi-real estate, kubalulekile ukwazi ukuthi yini isimo somlando wesikweletu okwamanje. Ungathola imininingwane ngakho ngokuxhumana I-Central BKI (isikhungo sezikweletu)... Kanye ngonyaka, le nsizakalo imahhala ngokuphelele.

Uma, ngemuva kwakho konke, umlando wesikweletu wonakele futhi kufanele uxhumane nabathengisi abazimele nabathengisi, kufanele uqaphele ukuthi ungaweli kulolo hlobo lwabakhwabanisi.

Izici zokukhipha imali mboleko yemali evikelwe yi-real estate

9. Imali mboleko yemali evikelwe yi-real estate - izici zokukhipha imali mboleko 💸

Iningi lalabo abanentshisekelo kwimalimboleko evikelwe yi-real estate bafuna ukuthola imali mboleko yemali. Ngakho-ke, kubalulekile ukuthi ube nentshisekelo yokuthi iyiphi indlela yokukhipha imalimboleko ebhange elithile.

Izikhungo eziningi namuhla zisebenzisa ukudluliselwa kwemali okungeyona imali kwi-akhawunti yasebhange noma ekhadini ngale njongo. Ngasikhathi sinye, kuvela ubunzima obengeziwe ngokukhipha imali.

Kunezici eziningana zokukhipha imali mboleko yemali:

1. Kudingeka imibhalo eyengeziwe. Noma uboleka imali ngendlela engafanele, ibhange linentshisekelo ekuqondisweni kwemali esetshenziswayo. Lapho ukhipha imali mboleko yemali, lokhu kunzima ukukwenza, ngakho-ke amabhange avame ukucela amakhasimende ukuthi abike ukuthi ayayisebenzisa amasheke noma izinkontileka zokuthengisa.
2. Izinga lemalimboleko yemali ngokuvamile liphakeme. Kulokhu, kuzokwazi ukuthola i- angiphinde 500 000 ama-ruble... Uma incane imali ebolekiwe, inzalo iyanda
3. Isidingo sokuthenga umshuwalense owengeziwe. Ukuvikelwa kwento ethenjisiwe kuyimpoqo. Ngakho-ke, lapho kutholwa imali mboleko evikelwe yi-real estate, inqubomgomo yomshuwalense wayo kuyodingeka ithengwe kunoma yikuphi. Uma imalimboleko ikhishwe ngokheshi, kungadingeka ukwengeza ukufaka impilo nempilo yombolekayo.

Njengoba amabhange evame ukukhipha imalimboleko ngokudluliswa kwentambo, uma ufuna ukuthola imali, kulula ukuxhumana nezinhlangano zezimali ezincane. Azidingi ukuqinisekiswa kwezinga lemali engenayo, azinaki ikhwalithi yomlando wesikweletu. Ezimweni eziningi, inani lemali mboleko eliphakeme lingu- 2 000 000 ama-ruble.

Kuyafaneleka ukucatshangelwa! Ababolekisi babheka isicelo ngasinye semalimboleko ngazodwana. Obolekayo kumele akuqonde lokho lapho impahla iheha ngokwengeziwe, izinzuzo ezingaphezulu ongazithola ngokuboleka imali.

10. Yiziphi izici zokuthola isibambiso (imalimboleko yempahla ebanjelwe) evikelwe yimpahla ekhona? 📎

Imvamisa, imalimboleko ingatholwa ngokubambisana amafulethi noma isakhiwo sokuhlala... Kodwa-ke, ababolekisi bavame ukukhipha imali futhi bavikeleke iziza zomhlaba... Kepha kunombandela owodwa - ukubhaliswa kufanele kwenziwe ngokuya ngemithetho.

Imvamisa, imali mboleko ikhishelwa umhlaba wezolimo, futhi ihloselwe ukwakhiwa kwezindlu ngazinye.

Ukufaka isicelo semalimboleko, kuzofanela ulungiselele iphakethe elithile lamadokhumenti:

• Imibhalo yomboleki - ipasipoti nokungeziwe;
• isitifiketi esiqinisekisa imali engenayo;
• incwadi yomshado;
• izitifiketi zokuzalwa zazo zonke izingane;
• amadokhumende wesakhiwo.

Lapho kungekho zimo, eziqinisekiswa yimibhalo ethile, ziyakhishwa ohlwini.

Muva nje, kube nokwehla kwokwehla kwezinga lenzalo emakethe. Ngaphezu kwalokho, izaphulelo ziyatholakala.Zingatholakala ngezigaba ezithile zezakhamizi, kanye nalabo abakha izinqubomgomo zomshuwalense.

Futhi, lapho uthola imali ebanjiswayo, isilinganiso singancishiswa uma kwenzeka kukhuphuka inkokhelo yokuqala.

11. FAQ - izimpendulo zemibuzo ebuzwa njalo 💬

Ukwenza imalimboleko evikelwe yi-real estate akuyona inqubo elula. Kungakho ababoleki bavame ukuba nenani elikhulu lemibuzo. Ekupheleni kokushicilelwa, ngokwesiko sizama ukuphendula okuthandwa kakhulu.

Umbuzo 1. Ubani onganikeza usizo ekutholeni imalimboleko evikelwe yizindawo zokuhlala (ezingezona ezokuhlala) ngaphandle kwezitifiketi zokuthola imali?

Kunezimo lapho imali idingeka ngokushesha, kukhona impahla, kepha kukhona ubunzima ekutholeni imalimboleko. Ukwenza amathuba okuvunyelwa abe phezulu, ungaxhumana nochwepheshe kulolu daba.

Kunezinhlobo ezintathu eziyinhloko zosizo lochwepheshe bemalimboleko:

1. Abadayisi Bezikweletu bangabalamuli phakathi kweklayenti nombolekisi. Kwikhomishini, banikela ngosizo ekutholeni imalimboleko, kufaka phakathi ukuvikeleka nge-real estate. Ngaphezu kwalokho, ama-broker unganikeli isiqinisekisoukuthi isicelo salowo obolekayo ongaba khona sizovunywa. Kodwa-ke, ukuxhumana nabo kwandisa amathuba okuthola imalimboleko. Ngaphezu kwalokho, abathengisi bavame ukufuna kubabolekisi izimo ezikahle kakhulu kumakhasimende abo;
2. Abeluleki bezezimali empeleni nabo bangabalamuli. Kodwa-ke, banikela ngezinsizakalo ezibanzi kakhulu. Ngaphezu kosizo ekutholeni imalimboleko, abeluleki banikela ukwesekwa ekukhetheni idiphozi, kanye nokwenza uhlelo lwezezimali;
3. Izitolo ezinkulu zezezimali yizinkampani ezinikeza amaklayenti imikhiqizo ehlukahlukene yezezimali - imali mboleko, kufaka phakathi ukuvikeleka nge-real estate, imali, izinhlelo zomshuwalense... Izitolo ezinkulu zinikela ngokuqhathanisa ukunikezwa kwezikhungo ezehlukene zezezimali - amabhange nama-MFOs - bese ukhetha okungcono kakhulu.

Umbuzo 2. Ungayihlela kanjani kahle imalimboleko yendawo eqiniswe yimpahla ethengiwe (ethengiwe)?

Ukuthola imalimboleko evikelwe ngokuthengwa kwempahla, akudingeki ulwazi olunzulu lwezezimali. Kwanele ukutadisha ngokucophelela uhlelo olunikezwa yibhange.

Kubalulekile ukuqonda! Uhlobo lokubolekwa kwemali olucatshangelwayo luqondisiwe. Lokhu kusho ukuthi imali etholakele ingasetshenziswa kuphela ngokuthengwa kwempahla ecacisiwe esivumelwaneni. Izosebenza futhi njengesibambiso semalimboleko.

Kufanele kukhunjulwe ukuthi ezimweni eziningi, ababolekisi bafuna ukukhokhelwa kokuqala kwe- kusuka ku-10% kuya ku-30%... Okuningi ↑ isitolimende sokuqala, kulapho ↑ amathuba uzoba nomboleki we KULUNGILE isicelo esifakiwe.

Ngaphezu kwalokho, izinhlelo eziningi zokubolekwa kwamabhange zihlinzeka ngokuncipha kwamazinga wenzalo ngenkathi kukhulisa usayizi wokukhokha kokuqala.

Ungathenga imalimboleko evikelwe yimpahla oyithengayo njenge isikhala sokuhwebafuthi amafulethi ezakhiweni ezintsha noma emakethe yesibili. Ozoba umboleki unikeza ibhange ulwazi mayelana nento ahlela ukuyithenga. Kundatshana ehlukile, sesivele sibhale ukuthi ungalithenga kanjani iflethi kubambiso nokuthi ungaqala kuphi ukuthenga ikhaya lakho.

Ngokuya ngemibhalo enikezwe ngumboleki, umbolekisi wenza ukuhlaziywa okuphelele kwesibambiso esizayo. Abezimali babiza leli sheke ukubhala phansi.

Uma uhlela ukuthenga ingcebo esakhiweni esakhiwayo, ukubhala phansi kufaka phakathi Hhayi kuphela ukuhlaziywa kwento ethengiwe uqobo. Ibhange nalo lizobheka ngokucophelela imininingwane mayelana nonjiniyela, futhi umnikazi wamanje wendawo... Indlela eqinile enjalo ihlotshaniswa nobungozi obukhulu, ngoba isakhiwo singahlala singaqediwe.

Kubalulekile ukuqonda ukuthi ubunzima bokuthola imalimboleko evikelwe yimpahla ethengiwe kuholela ekwandeni kwesikhathi sale nqubo. Ezimweni eziningi, kuthatha okungenani inyanga... Ngakho-ke, kubaluleke kakhulu ukugcina wonke ama-nuances womklamo. Uma kufanele ubheke impahla entsha noma wenze imibhalo kabusha, inqubo izobambezeleka.

Umbuzo 3. Yiliphi ibhange elinezinga eliphansi kakhulu emalimboleko avikelwe yizakhiwo nomhlaba ezinhlanganweni ezisemthethweni?

Imvamisa, izinhlangano (izinhlangano ezisemthethweni) zidinga izimali ezingeziwe zentuthuko. Kwezinye izimo, iba yinzuzo ukuthola imalimboleko evikelwe yi-real estate... Kulokhu, imalimboleko ejwayelekile ikhishwa ukugcwalisa impahla yenhlangano ngezimpahla ezingaguquki noma ukukhulisa imali yokusebenza.

Akunandaba ngenhloso yokuboleka, ibhizinisi elisemthethweni lingathembisa lezi zinhlobo ezilandelayo ze-real estate:

• ezentengiselwano;
• umhlaba;
• izindawo zokuhlala nezingezona zokuhlala ezindlini ezinezitezi eziningi;
• izindlu zamadolobha nezindlu ezizimele.

Izidingo eziningana zibekwa kunoma iyiphi into yokubambisa:

1. ukweqisa okuphezulu;
2. indawo ngaphakathi kwedolobha;
3. akukho ukweqeka.

Imibandela esemqoka yokubolekiswa yile isilinganiso futhi inani lemalimboleko... Banqunywa ngamapharamitha amaningi.

Inani lemalimboleko, kanye nezinga kuya ngezinkomba ezilandelayo:

1. ukuxazululwa kwebhizinisi elisemthethweni;
2. inzuzo yenhlangano;
3. usayizi oqinile.

Ukuboleka izinhlangano ezisemthethweni kuvame ukwehluka ezinhlelweni zokuboleka ezinikezwa abantu.

Izici zemalimboleko yezinhlangano ezisemthethweni zimi kanje:

• usayizi ngamunye wokubheja;
• Isikhathi esiphezulu Iminyaka eyi-10;
• ukusheshiswa kokwenza izinqumo ngesicelo;
• ithuba lokuhlehlisa ukukhokha uma kunesidingo;
• izimo eziqotho zamakhasimende ajwayelekile.

Ngaphambi kokuthatha isinqumo ngesicelo esifakiwe, ibhange lihlola kahle le mingcele elandelayo:

• umlando wesikweletu;
• ukwehlukaniswa kwempahla ethengiswayo njengesiqiniseko;
• ukuhlanzeka kwekheli elisemthethweni;
• inzuzo kuma-akhawunti wamanje;
• ukusebenza kwamagatsha;
• ukwakheka kwezigungu ezilawulayo.

Ekufuneni amanani aphansi kakhulu, izinhlangano ezisemthethweni zivame ukuza I-Sberbank... Kungaba nzima ukuthola imali mboleko lapha, kepha izinhlangano eziningi zibheka imigomo enikeziwe ukuthi iyifanele.

Uma kunesidingo sokwandisa inani lemali yokusebenza, ibhizinisi elisemthethweni lingasebenzisa lezi zinhlelo ezilandelayo kusuka kwaSberbank:

1. Ukungena Kwebhizinisi ikuvumela ukuthi uthole imalimboleko ezinkampanini ezinemali engenayo engaphansi kwama-ruble ayizigidi ezingama-400. Lolu hlelo lubandakanya ukukhishwa kwemalimboleko enanini kusuka 150 000 ama-ruble... Kulokhu, isilinganiso siqala kusuka ku- 14,8% ngonyaka. Imali kuzofanele ibuyiselwe ngaphakathi 4iminyaka.
2. Ukuhleleka kombuso - uhlelo olusiza ekwenzeni izinkontileka zikahulumeni. Ngokuhambisana nayo, ungathola ngaphezu kwe-70% yenani lesivumelwano. Kodwa-ke, inani lemalimboleko akufanele leqe 600 ama-ruble ayisigidi... Kulokhu, isilinganiso sizoqhamuka ku- 15,4% ngonyaka, futhi isikhathi esiphezulu semalimboleko sithi 3 konyaka.

Uma inhlangano esemthethweni ithatha isinqumo sokuthola imalimboleko yokuthenga izindlu nomhlaba, iSberbank inikela ngezinhlelo ezintathu ongakhetha kuzo:

1. I-Business Real Estate (ngokukhethekile ngokuthenga izindlu nomhlaba) - inani liqala kusuka 150 000 ama-ruble, isilinganiso - kusuka 14,74% ngonyaka, isikhathi esiphezulu sithi 10 iminyaka.
2. Ibhizinisi Invest ayisetshenziselwa ukuthengwa kwempahla kuphela, kodwa futhi nokulungiswa noma ukwakhiwa kwayo. Inani nethemu kuyefana nakuhlelo lokuqala, isilinganiso siqala kusuka 14,82% minyaka yonke.
3. Ukubambisa ngempahla - lolu hlelo lukuvumela ukuthi usukume 10 ama-ruble ayisigidi isikhathi kuze kube 10 iminyaka. Kulokhu, isilinganiso siqala kusuka ku- 17% minyaka yonke.

Umbuzo 4. Ngingakwazi yini ukubolekisa osomabhizinisi ngabanye (osomabhizinisi ngabanye) okuvikelwe izindlu nezakhiwo?

Abanini bamasheya ngabantu abaqhuba ibhizinisi ngaphandle kokudala inhlangano esemthethweni. Kungakho, lapho ezama ukuthola imali mboleko ebhange, usomabhizinisi ngamunye angazisebenzisa zombili ukubolekwa kwabantu ngabanyekanye nalokho okuhlosiwe yebhizinisi elincane.

Imvamisa, osomabhizinisi ngabanye bathola imalimboleko evikelwe yi-real estate ngezinhloso ezilandelayo:

• ukwenyuka ngosayizi wemali yokusebenza;
• ukuthengwa kwemoto;
• ukutholwa kwezinye izinto zempahla;
• ukuthuthukiswa kwamabhizinisi amasha;
• unika imali kabusha imalimboleko ekhona.

Ukuthola imalimboleko evikelwe yi-real estate, kusetshenziswa uhlelo lwendabuko, olufaka izigaba ezimbalwa:

1. ukugcwalisa isicelo;
2. ukulungiswa kwemibhalo yosomabhizinisi ngabanye kanye nesibambiso;
3. ukucatshangelwa kwesicelo yibhange;
4. ukulinganiswa kwempahla;
5. ukuphethwa kwesivumelwano;
6. ukubhaliswa komshwalense;
7. ukudluliswa kwezimali.

Osomabhizinisi ngabanye bavame ukuthola imali ngokudluliswa kwentambo. Kulokhu, esimweni sokuthola imalimboleko yokuphinda unike imali, imali izodluliselwa ngokushesha ukukhokha imali ebolekiwe ekhona. Uma kukhishelwa imali yokuthenga impahla ethile, ukudluliswa kwenziwa kuvuna umthengisi.

Ungasithola kanjani isikweletu kusomabhizinisi ngamunye ngaphandle kwesibambiso, funda i-athikili yethu.

Umbuzo 5. Ngabe umuntu ohola impesheni angakwazi ukuthola imalimboleko evikelwe yi-real estate nokuthi yimaphi amabhange anika imalimboleko enjalo?

Labo asebethathe umhlalaphansi, kanye nezinye izakhamizi, bangazizwa benesidingo semali enkulu impela.

Amabhange amaningi awaboni abantu abadala njengamakhasimende afiselekayo. Lokhu kungenxa yabo ukuvikelwa komphakathi okuphansi, futhi imali encane.

Yize kunjalo, abathathe umhlalaphansi bangathola imalimboleko emabhange evikelwe yizakhiwo nezindawo. Kulokhu, bazokwazi ukuthola inani elikhulu kakhulu lemali ezikweletini. Siza ukwenza lula umsebenzi wokuthola imalimboleko izinsizakalo ezikhethekile ze-inthanethi... Bayakuvumela ukuthi uthumele isicelo ngasikhathi sinye emabhange amaningi futhi ugcine kakhulu isikhathi.

Isikhungo ngasinye sezikweletu ngokuzimela sithuthukisa izidingo zababolekayo, kanye nohlu lwemibhalo edingekayo. Noma kunjalo, kunemigomo ejwayelekile yokuthola imalimboleko evikelwe yimpahla yabantu abasebenza umhlalaphansi.

Iningi lezikhungo zezikweletu linezidingo ezilandelayo zababoleki asebathatha umhlalaphansi:

1. Ubuzwe baseRussia;
2. ukubhaliswa unomphela endaweni lapho kubhaliswa khona ngemalimboleko;
3. umlando wesikweletu osezingeni eliphakeme;
4. ngesikhathi sokukhokhwa okugcwele kwemali mboleko, ohola impesheni kumele abe nayo angiphinde 65-75 iminyaka;
5. ukubhaliswa kwepholisi yomshwalense wento ethenjisiwe, kanye nempilo nempilo yombolekayo.

Ukuze uthole imali mboleko, kuzodingeka wethule le mibhalo elandelayo:

1. ipasipoti yesakhamuzi seRussia Federation;
2. i-ID yempesheni;
3. isitifiketi esivela esikhwameni sempesheni mayelana nenani lempesheni etholakele;
4. kwabasebenza impesheni - isitifiketi samaholo;
5. amadokhumende athembisiwe okuthengiswa kwezindlu.

Amabhange ahlukahlukene akhipha izikweletu kubantu abahola impesheni. Izimo ezihamba phambili zikhonjiswa etafuleni elingezansi.

Amabhange athandwayo anikeza ababolekisa impesheni imali ebolekwe yizakhiwo nezindlu

№	Inhlangano yezikweletu	Inani eliphakeme	Izinga lenzalo	Isikhathi esiphezulu semalimboleko	Ama-nuances abolekisayo
1	I-Sberbank	Ama-ruble ayizigidi eziyi-10	Kusuka ku-15.5% ngonyaka	Iminyaka engama-20	Ekupheleni kwenkontileka, obolekayo kufanele angabi ngaphezu kweminyaka engama-75 ubudala
2	URosselkhozbank	1 ruble ayisigidi	Kusuka ku-21.5% ngonyaka	Iminyaka emi-5	Imalimboleko ingatholakala kuze kube yiminyaka engama-65. Lapho uthola impesheni ekhadini lasebhange, izinga liyancipha
3	I-Raiffeisenbank	Ama-ruble ayizigidi eziyi-9	Kusuka ku-17.5% ngonyaka	Iminyaka engu-15	Obolekayo ngesikhathi sokufaka isicelo kumele angabi ngaphezu kweminyaka engama-60 Imali engenayo eqinisekisiwe yalowo ohola impesheni kumele okungenani ibe ngama-ruble ayizinkulungwane ezingama-20

Isici esihlukile semalimboleko evikelwe yimpahla yabantu abasebenza umhlalaphansi isikhathi eside semalimboleko kanye nenani lemalimboleko, kanye nenzalo ephansi.

Ukuba khona kwempahla ebiza uketshezi ebiza kakhulu kukhulisa amathuba isinqumo esihle ngesicelo semalimboleko.

Imalimboleko evikelwe ngokuthengiswa kwezindlu iyatholakala ngisho nakubantu abathathe umhlalaphansi, kanye nakwizakhamizi ezingenayo imali esemthethweni. Labo abanomlando wesikweletu owonakele bangathatha imalimboleko evikelwe yi-real estate. Kubalulekile ukulandela yonke imithetho yokwakhiwa kwayo.

Sikweluleka futhi ukuthi ubuke ividiyo mayelana nezici ezikhethekile zokuthola imali mboleko evikelekile ngezindlu nomhlaba:

Sifisela abafundi be-Ideas for Life inhlalakahle yezezimali. Uma udinga ukuthola imali mboleko evikelekile ngokuthengiswa kwezindlu, lalela izeluleko zethu, futhi uqinisekisiwe ukuthi uzophumelela.

Uma usenemibuzo ngesihloko sokushicilelwa, bese ubabuza kumazwana angezansi. Kuze kube yisikhathi esilandelayo!

Bukela ividiyo: El Modo Bestia BEAST MODE del EVA-02. Evangelion. Sub español HD (Julayi 2024).