Ukuxhaswa kabusha kwemali mboleko - kuyini futhi kwenziwa kanjani ukuphinda kuxhaswe imali mboleko evela kwamanye amabhange + okunikezwa okuhle kakhulu kwe-2020

Send

Sawubona bafundi abathandekayo be-Ideas for Life kumagazini oku-inthanethi! Namuhla sizokhuluma ngokuthi iyiphi imali ebolekwa kabusha (ukuphinda unike imali), ukuthi ungayenza kanjani ngendlela efanele, nokuthi yimaphi amabhange asebenza ekuxhaseni imali kabusha evela kwamanye amabhange (okunikezwa okuhle kakhulu ngo-2020 kunikezwa esigabeni esihambelanayo).

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

Ngemuva kokufunda i-athikili kusukela ekuqaleni kuze kube sekugcineni, uzofunda futhi:

Yikuphi okubolekwa imali okungaphinde kwenziwe kabusha;
Ngabe kunenzuzo ukwenza kabusha imali mboleko yomthengi;
Kungaziphi izizathu amabhange enqaba ukwenziwa kabusha kwemali.

Ekupheleni kwendatshana, ngokwesiko siphendula imibuzo ebuzwa njalo ngesihloko okukhulunywa ngaso.

Ukushicilelwa okwethulwayo kufanele kufundwe hhayi kuphela kulabo abahlela ukwenza imali mboleko kungekudala. Imininingwane equkethwe ku-athikili izosiza kuwo wonke umuntu ofuna ukukhuphula izinga ulwazi lwezezimali... Ngakho-ke, ungachithi isikhathi, qala ukufunda khona manje!

Kuyini ukuphinda uxhase ngemali ebolekiwe (ku-on-loan) yemalimboleko nokuthi uyihlela kanjani, kanye nalapho ungathola khona imali mboleko kusuka kwelinye ibhange - kumagazini wethu omusha

1. Kuyini ukubolekwa kwemali mboleko - ukubuka konke komqondo ngamagama alula 📋

Ithemu «unika imali kabusha " kwakhiwa kusuka 2-x amagama:kabusha – okuphindiwe, ezezimali– ukuhlinzekwa kwezimali ngendlela ekhokhelwayo noma yamahhala.

Kusho ukuthini ukuphinda ulawule imali?

Ukwenza kabusha imali mboleko - lokhu kungukubhaliswa kwemali mboleko entsha, ukuze ukhokhele leyo ekhona njengamanje ngemibandela evuna kakhulu kumboleki.
Le nqubo ibizwa nangokuthi ekubolekiseni... Kalula nje, ukuphinda unike imali ukuthola isikweletu esisha ukukhokhela esidala.

Ngokombono wezomthetho, imalimboleko ekhishwe ngesikhathi sokubolekiswa ihloselwe. Lokhu kungenxa yokuthi isivumelwano kufanele sikhombise ukuthi izimali ezinikeziwe ziqondiswe ukukhokha isikweletu esiphethwe ngomunye okweletwayo.

Ezimweni eziningi inhloso yokuxhasa kabusha ukuncipha kwezinga lenzalo. Esikhathini esiningi, lezo zinyathelo zithathwa yilabo abathathe imalimboleko kudala.

Ake senze isibonelo: Umboleki ungene 2013 unyaka ukhiphe imalimboleko yesamba esikhulu ngesilinganiso 25% minyaka yonke. AT 2020 ngonyaka elinye ibhange lamnikeza imali mboleko ku 12%... Ngasikhathi sinye, kuze kube sekupheleni kokukhokha kwimalimboleko ekhona, kusekhona cishe 6 iminyaka.

Obolekayo unquma ukuphinda anikeze imali. Lokhu kumvumela kakhulu ukunciphisa inani lezinkokhelo zanyanga zonke futhi, ngokufanele, okubalulekileukukhokha ngokweqile ngemalimboleko.

2. Yikuphi okubolekwa yimali okungahle kukhokhelwe kabusha? 📑

Umncintiswano emakethe ebolekisayo usezingeni eliphakeme kakhulu namuhla. Ngenxa yalokhu, amabhange ayaphoqeleka ukuthi alwe iklayenti ngalinye. Lokhu nakanjani kuholela ezimeni ezingcono zokukhokhelwa kabusha kwemali.

Namuhla, umkhakha wamabhange ubonakala ngezinguquko ezilandelayo:

ukuncipha kwamazinga wenzalo;
ukwenziwa lula kwenqubo yokubuyisa imali ebolekwe kabusha (ibhange lizidlulisela ngokuzimela izimali ukuzikhokhela);
↑ ukukhuphuka ngokwemigomo okuhlinzekelwa ngayo lapho kubolekiswa ngemali;
ukuthambisa izidingo zamabhange maqondana namakhasimende.

Amabhange anamuhla avumela obolekiwe ukuthi abuyisele imali izinhlobo ezilandelayo zemalimboleko:

imali mboleko yezindlu;
amakhadi esikweletu;
izikweletu kumakhadi asebhange asebenza ngokweqile;
imali mboleko yabathengi;
ukubolekwa kwezimoto.

Ithuba lokukhokhela kabusha lolu hlobo noma lolo hlobo lwemalimboleko kunqunywa yibhange ngalinye ngawodwana. Ngakho-ke, ngaphambi kokufaka isicelo, kufanele uzijwayeze nemibandela ehlongozwayo.

Isikhathi lapho ungakhokha khona imalimboleko ethathiwe yokuthola imali kabusha inqunywa ngokuyinhloko uhlobo lwesikweletu esikhokhwe ngosizo lwaso.

📝 Ngokwesibonelo, uma imali ebolekiwe ixhaswa kabusha, ungathembela kuthemu ngaphakathi 30 iminyaka. Uma ukuxhaswa kabusha kwenzekaimalimboleko yabathengi noma imalimboleko yemoto - isikhathi sokuvuthwa imvamisa asidluli 5-10 iminyaka.

Ezimweni eziningi, ukuphinda unike imali kuvumela obolekayo ukuthi athole izinzuzo eziningi:

ukwenziwa ngcono kwezimo zezikweletu - ukwehla ↓ kwezinga, ukwehla ↓ kokukhokhwa nyangazonke nokukhuphuka ↑ kwesikhathi sokukhokha.
ushintsho lwemali mboleko;
ukuhlanganiswa kwemali mboleko eminingana kwimalimboleko eyodwa ukuze kube lula ukukhokha;
ukuhoxiswa kwempahla kwisibambiso - uma imalimboleko yemoto noma imali ebanjiswayo ingaxhaswa kabusha ngaphandle kokunikeza ukuphepha.

❗ Kepha gcina engqondweni ukuthi ukubolekiswa kwemali akunakwenzeka uma isivumelwano samanje siqukethe inkomba ukuvimbela ukukhokha ngaphambi kwesikhathi.

Uma uhlela ukubamba ukuphinda unike imali, kubalulekile ukuthi ubheke ukuthi kudlule isikhathi esingakanani selokhu kwafakwa imali kabusha okokugcina. Amanye amabhange ayenqaba ukukhipha isivumelwano esisha uma ngabe imali mboleko isivele ikhishwe imali phambilini.

Futhi, ababolekisi bangabeka imingcele esikhathini esidlulile kusukela ekuxhasweni kabusha kwemali. Ezimweni eziningi, kufanele ulinde hhayi ngaphansi 12 izinyanga.

3. Ngabe ukukhokhela kabusha (ukukhokhela kabusha) imalimboleko yabathengi kunenzuzo? 📈

Ukubolekiswa kwabathengi kusanda kudingeka kakhulu. Izizathu zalawa amandla okufeza izinhloso ezahlukahlukene ngaphandle kwesidingo sokuqongelela, isib, uthenge imoto noma ingcebo, uhlangabezane nezidingo zasekhaya.

Esimweni sokuncintisana kakhulu, amabhange athuthukisa imingcele yokubolekisa ehluke kakhulu komunye nomunye. Abanye ababolekisi baheha amakhasimende ngokunikezwa okungcono, abanye - Lula design. Futhi imvamisa ababoleki, ngemuva kokuthola imalimboleko, bayaqaphela ukuthi kwavela kwaba okungenanzuzo. Esimweni esinjalo, kuvela umbuzo wokuqhuba ukuxhaswa kabusha.

✍ Qaphela!
Ngaphambi kokuvuma ukukhokhelwa kabusha, kubalulekile ukuqinisekisa ukuthi le nqubo izoba usizo ngempela. Ukuze wenze lokhu, kwanele ukubala inani lokukhokha ngokweqile ngemalimboleko entsha neyesivele ikhona bese uziqhathanisa. Kubalulekile ukuthi ungabheki kuphela isilinganiso senzalokepha futhi kwehlukile ikhomishini futhi izinkokhelo zomshuwalense (uma kunjalo).

Uma phakathi nezibalo kuyacaca ukuthi ukuphinda unike imali kuzoholela ekongeni, kufanele ulinganise usayizi wayo. Uma inani livela ukuthi libalulekile, asikho isidingo sokuchitha isikhathi, kungcono ukuqala inqubo ngokushesha okukhulu.

Izigaba eziyinhloko zokukhokhela imali mboleko kabusha

4. Ungayifaka kanjani imali kabusha kwimalimboleko ngenzalo ephansi - izigaba eziyisihlanu zokubuyiselwa kwemali ref

Ngakho-ke, uma kwenziwa isinqumo sokuphinda ugcobe imali ebolekiwe ekhona, khona-ke kubalulekile ukuyenza ngokushesha, ngokucacile nangokuzuza okukhulu. Ukuze wenze lokhu, ochwepheshe batusa ukusebenzisa i- imfundo ngencazelo eningiliziwe yesigaba ngasinye senqubo.

Isigaba 1. Ukuxhumana nombolekisi okhona

Uhlangothi olulodwa, umthetho awuphoqi umboleki ukuthi azise umbolekisi ngenhloso yokuphinda anikeze imali. Kodwa-ke, ochwepheshe batusa ukwenza lokhu noma kunjalo.

Amabhange ngokuvamile awafuni ukudedela ababolekisi beqiniso. Ukuze bavinjelwe ekuhlosweni ukwenza imali kwelinye ibhange, bangahlongoza ukushintsha imigomo yesevisi. Kulokhu, obolekayo Hhayi kuphela izokhokha imali mboleko ngemibandela evumayo, kepha futhi izokwenza inqubo ibe lula futhi isheshe.

Isigaba 2. Ukukhetha ibhange

Uma, noma kunjalo, ibhange okukhishwa kulo imali mboleko yamanje lingayi emhlanganweni, kuzofanele wenze imali futhi kwesinye isikhungo sezikweletu. Ochwepheshe batusa ukuba basondele ekukhetheni ngendlela enesibopho ngangokunokwenzeka.

Okokuqala, kuzofanela uqhathanise okunikezwayo kwamabhange amaningi wokuthengisa. Kufanele ufunde imininingwane kumasayithi abo, ukubuyekezwa kwi-Intanethi kumasayithi akhethekile nakumaforamu. Uma singekho isikhathi nesifiso sokukhethwa okuzimele kombolekisi, bazokusiza amasevisi wokuqhathanisa akhethekile, futhi izilinganisonjalo ihlanganiswe ngochwepheshe.

Lapho ibhange likhethelwa ukufaka imali futhi, kubalulekile ukutadisha ngokucophelela yonke imibhalo ephathelene nokuxhaswa kabusha kwemali okuthunyelwe kuwebhusayithi yayo, kufaka phakathi:

amanani;
ukuba khona kwezimo ezinomkhawulo;
uhlu lwemibhalo edingekayo.

Uma unemibuzo, kufanele uthole izimpendulo zayo ngokuxhumana nabasebenzi basebhange ngokushayela isikhungo sezingcingo noma ngokusebenzisa ingxoxo online... Kuphela lapho zonke izici zenqubo zicacile, ungaqhubeka nokubhaliswa kwezezimali kabusha.

Isigaba 3. Ukubhaliswa nokulethwa kwesicelo semali ebolekwa kabusha

Ukufaka isicelo sokuxhaswa kabusha ngaphandle izitatimende iphakethe lemibhalo liyadingeka ukuthi lilethwe ebhange. Umbolekisi ngamunye uzenzela lolu hlu ngokuzimela, kepha kungahlukaniswa imibhalo eminingi edingeka njalo.

Imiphi imibhalo edingekayo yokwenza kabusha imali mboleko

Imibhalo esemqoka yokuxhasa kabusha imali mboleko ifaka:

ipasipoti yesakhamuzi seRussia Federation;
isitifiketi somholo (2-NDFL noma ngendlela yebhange);
ikhophi yencwadi yomsebenzi eqinisekiswe ngumqashi;
imibhalo emalimboleko esemthethweni - isivumelwano nohlelo lokukhokha njalo ngenyanga;
isitifiketi semali esele yesikweletu;
imininingwane yokudlulisa izimali ukukhokhela imalimboleko evumelekile.

Kwezinye izimo, ungahle udinge amanye amadokhumenti, isib. amarisidi okukhokhwa kwemali mboleko yamanje.

Isigaba 4. Ukucatshangelwa kwesicelo

Ngemuva kokufakwa kwesicelo kanye nephakeji lemibhalo, ibhange liyazibuyekeza. Njengoba ukuphinda unike imali, empeleni, kuyimali mboleko entsha, igama lokucatshangelwa ezimweni eziningi alihlukile kulelo elisungulelwe ezinye izinhlobo zemalimboleko.

Ngokwesilinganiso, ukucatshangelwa kwezicelo kuthatha Izinsuku 5-10... Kepha kucatshangelwa ukwehla kwakamuva ↓ isilinganiso senzalo emaphakathi kwizimalimboleko, inani lezicelo zokuxhaswa ngemali lenyuke kakhulu⇑. Lokhu kungaholela ekwandeni kwesikhathi sokucatshangelwa emabhange athandwayo.

Isigaba 5. Isiphetho senkontileka

Uma, ekugcineni kwenqubo yokubuyekeza, ibhange lenza isinqumo esihle, isigaba sokugcina nesibaluleke kakhulu siqala - isiphetho senkontileka.

☝ Impela, wonke umuntu uyazi, kepha ngeke kube yinto engafanele ukusho futhi - ungasayini isivumelwano ngaphandle kokusihlolisisa.

Lapho ufunda inkontileka, okokuqala, unake le mingcele elandelayo:

ubukhulu bezinga lenzalo;
izindleko ezigcwele zemalimboleko etholakele;
inqubo yokufaka isicelo nenani lenhlawulo;
imibandela yokukhokha ngaphambi kwesikhathi;
kungenzeka yini ukuthi ushintshe imigomo yesivumelwano semalimboleko unilaterally.

Lapho ufunda inkontileka, kubalulekile ukuhlala uqaphile kusukela ekuqaleni kuze kube sekugcineni, ufunde ngokucophelela zonke izingxenye. Uma kuvela izinkinga futhi noma yiliphi iqembu liya enkantolo, isinqumo siyokwenziwa ngokukhethekile ngaphakathi kohlaka lwesivumelwano esisayiniwe.

Ngale ndlela, ukuphinda unike imali imali ebolekisiwe akuyona inkimbinkimbi njengoba abantu abaningi becabanga. Uma ulandela ngokuqinile imiyalo ethulwe, uzokwazi ukugwema ubunzima obuningi futhi ukwenza kabusha ngempumelelo kwelinye ibhange ngenzalo ephansi.

5. Ungakutholaphi ukubolekwa kwemali kusuka kwamanye amabhange - okunikezwa okuhle kakhulu kulo nyaka 📄

Izinsizakalo zokuxhaswa kabusha zinikezwa ngamabhange amaningi aseRussia. Kodwa-ke, imigomo nemibandela yababolekisi abahlukile yehluke kakhulu. Ungakhetha inketho enhle kakhulu ngokuhlaziya futhi uqhathanise izimo zamabhange amaningana. Cabanga ngezansi amabhange amahle kakhulu axhasa kabusha imali kubantu. abantu.

🏦 Yimaphi amabhange asebenza ekuxhaseni kabusha imali mboleko yabantu - ukubuyekezwa kwamabhange e-TOP-3

Ukwenza lula umsebenzi wokukhetha umbolekisi, sinikeza incazelo 3 amabhange anemigomo evumayo kakhulu yokuxhaswa kabusha kwemali.

1) I-VTB Bank yaseMoscow

I-VTB Bank yaseMoscow iyingxenye yeqembu lezezimali le-VTB futhi libandakanyeka ekuhlinzekweni kwezinsizakalo zokuthengisa. Isisekelo somsebenzi womnyango ukusiza abantu ngabanye.

Ngenxa yesidingo esikhulayo sokubolekwa kwemali, ibhange lenze okufanele uhlelo lokuxhaswa kabusha kwemali mboleko... Ukusetshenziswa kwalo mkhiqizo wemalimboleko e-VTB Bank yaseMoscow kwenza kube nokwehla umthwalo wokuboleka ↓ ngokunciphisa isilinganiso ↓.

Ngokuya ngohlelo lokuxhaswa kabusha kwemali, iphesenti lapha lisethwe ngakunye futhi lingaba sebangeni kusuka ku-11% kuya ku-17% ngonyaka... Ngasikhathi sinye, kunikezwa izimo ezikhethekile kubasebenzi abasemkhakheni wezokwelapha noma wemfundo, abasebenzi bakahulumeni, kanye namakhasimende emiholo.

2) I-Interprombank

I-Interprombank Isikhungo sezezimali saseMoscow esasungulwa ngo 1995 unyaka. Ibhange elethuliwe liyinkampani yendawo yonke futhi linikeza amaklayenti alo uhla oluphelele lwezinsizakalo zebhange.

Ukuboleka kubantu ngabanye kubaluleke kakhulu ebhange. Kungakho kunakwe kakhulu ekuthuthukisweni kohlelo lokuxhasa kabusha imali esikhungweni sezikweletu.

Iyadedela ibhange livumela amakhasimende ukuthi ahlanganise inani elingenamkhawulo lemalimboleko. Isimo esibalulekile kuleli cala ukuthi inani eliphelele ngaphansi kwezinkontileka eziqinisekisiwe kumele libe ama-ruble angadluli ku-1 000 000... Izinga lisethwe kusukela ku-12% ngonyaka, futhi awekho amakhomishini owengeziwe nomshuwalense.

Ungafaka isicelo sokucatshangelwa kwangaphambili ngaphansi kohlelo lokuxhasa kabusha imali kuwebhusayithi yebhange. Inikeza nethuba lokubala imingcele esemqoka yemalimboleko ekhishwayo.

3) I-Sovcombank

Namuhla ku Sovcombank inani elikhulu lezinhlelo zesikweletu lisebenza. Bayakuvumela ukuthi uthole imali mboleko yale mali kusuka 5 000 ngaphambi 30 000 000 ama-ruble... Kulokhu, ukubheja kuyaqala kusuka 12% ngonyaka.

Alukho uhlelo olukhethekile lokuxhasa kabusha imali mboleko ekhona eSovcombank ngesikhathi kubhalwa lokhu. Kodwa-ke, kunesinye isiphakamiso esithandekayo sezakhamizi ezizithola zisesimweni esinzima, esibizwa "Udokotela Wesikweletu"... Le mali mboleko yenzelwe ukuthuthukisa umlando wakho wesikweletu.

Ukwenza kube lula ukuqhathanisa okunikezwayo okuchaziwe, sihlanganise izimo eziyinhloko zazo etafuleni elingezansi.

Ithebula: "Amabhange angu-TOP-3 anezimo ezinhle kakhulu zokubolekwa kwemali kubantu ngabanye"

Inhlangano yezikweletu	Zingaki izimalimboleko ezingahlanganiswa	Inani lemali mboleko	Imigomo yemalimboleko	Linganisa
I-VTB Bank yaseMoscow	Izikweletu ezingama-6 namakhadi wesikweletu	Kusuka kuma-ruble ayizinkulungwane eziyikhulu kuya kweziyisi-5	Okwemiholo kanye namakhasimende ezinkampani - kuze kufike eminyakeni engu-7, kwabanye - kuze kube yiminyaka engu-5	Uma inani lemalimboleko lifinyelela kuma-ruble ayizinkulungwane ezingama-500, kusuka ku-12 kuye ku-16% ngonyaka Ngemali kusuka ezinkulungwaneni ezingama-500 kuye kwezi-5 - 12% ngonyaka
I-Interprombank	Noma iyiphi inombolo yemalimboleko enekhono lokuthola ingxenye yezimali ngokheshi	Kufika kuma-ruble ayisigidi	Kusuka ezinyangeni eziyisithupha kuya eminyakeni engu-7	Kusuka ku-12% ngonyaka
Sovcombank	Njengamanje, ukunikezwa imali kabusha akunikeziwe, uhlelo lweDoan Doctor luyasebenza	4 999 noma 9 999 ruble	Izinyanga ezi-3 kuya kwezi-9	33.3% ngonyaka

* Ngemininingwane yakamuva ngokukhokhelwa kabusha kwemali mboleko etholwe kwamanye amabhange, bheka amawebhusayithi asemthethweni ezikhungo zezikweletu.

6. Yini okudingeka uyicabangele ngaphambi kokwenza imali kwelinye ibhange - amaphuzu ayi-5 abalulekile 🔔

Abantu abaningi bacabanga ukuthi ngokukhetha ibhange nokutadisha ngokucophelela imibandela yokuphinda unike imali, ukuphinda unike imali. Kepha ochwepheshe bancoma ukuthi uthathe isikhathi sakho ngomklamo. Ukuze uphinde uxhase ngemali ube nenzuzo ngangokunokwenzeka, kufanele futhi unake amaphuzu athile abalulekile.

[1] Ukukhokhelwa ngokweqile okujwayelekile

Kwabaningi, imininingwane ngamanani wenzalo ayichazi.Ngakho-ke, ochwepheshe batusa kuqala ukukhiqiza ukubalwa kwenani lokukhokha ngokweqile kuma-ruble... Awudingi ukuba nolwazi lwezezimali ukwenza lokhu. Kwanele ukusebenzisa wokubala ekhethekile.

Kunezinhlelo eziningi zokwenza izibalo kwi-Intanethi namuhla. Ingqikithi yesenzo sabo icishe ifane. Kwanele ukukhombisa isamba, isikhathi futhi isilinganiso ekukhokhweni kwemali mboleko ukuthola ukuthi i- ukukhokha ngokweqile futhi inkokhelo yanyanga zonke.

☝ Ochwepheshe batusa phrinta igrafu evelayo. Ingafaniswa naleyo enamathiselwe esivumelwaneni semalimboleko.

Uma imiphumela yezibalo zebhange kanye ne-calculator yehluka kakhulu, kufanele ubuze ongoti ukuthi lokhu kuxhunywe nani. Izenzo ezinjalo zisiza ukuqonda ukuthi uma inani eliphelele lokukhokhwa kwemali mboleko ekhishwayo alifakiwe kunoma yikuphi izimali ezifihliwe.

[2] Imigomo yokuqongelela kanye nenani lezinhlawulo

Lapho befaka isicelo semalimboleko, ababolekisi bavame ukuzethemba emakhono abo futhi bacabange ukuthi abasoze baba nobugebengu. Ngeshwa, akekho ovikelekile ezinkingeni zezezimali noma ezimweni ezingalindelekile.

Not Ukuze ungashaqeki uma kwenzeka ukubambezeleka okungalindelekile, kubalulekile ukutadisha ngokucophelela isigaba sesivumelwano esiphathelene nezinhlawulo ngaphambi kokusisayina.

Uhlangothi olulodwa, izinhlawulo kuphela zokwephula izibopho zesikweletu ezinikezwa ngumthetho. Ngokwesinye isandla, kukhona isigatshana somhlaba wonke - ngaphandle uma kuhlinzekwe ngenye inkontileka.

Esebenzisa leli qiniso, amabhange ngokuvamile ayasungula inani elinqunyiwe lenhlawulo... Ngaphezu kwalokho, abanye ababolekisi bangabakhokhisi abasebenza kanzima ukwanda inani lenhlawulo ngenkokhelo ngayinye engabanjwanga.

Ukuze ungakhokhi ngokweqile ngokungeziwe, kufanelekile, okokuqala, ukufeza izibopho ezenziwe ngesikhathi esifanele futhi ngokugcwele.

Uma ukwephula umthetho kusenziwa, ungazama ukubuyisa inhlawulo elungisiwe. Ukuze wenze lokhu, kufanele ufake isicelo esifanele ngqo ebhange. Uma umbolekisi enqaba ukubala kabusha, ukuvikela amalungelo asemthethweni, kufanele uye kuwo I-Rospotrebnadzor.

[3] Izinga lenzalo

Iningi lababoleki, lapho likhetha uhlelo lokuxhaswa kabusha kwemali, okokuqala kunaka isilinganiso esinikezwayo. Sesichazile ukuthi kungani lesi sici singakhombisi ngokuphelele. Kodwa-ke, ngokuqhathanisa kokuqala, izinga lenzalo lilungile.

Namuhla, emakethe, amanani wezinhlelo zokuxhasa kabusha imali ahluke kakhulu emabhange ahlukile - ayahluka kusuka ku-9 kuye ku-23% ngonyaka. Kepha kufanele kuqondwe ukuthi akuhlali kunjalo ukuthi imalimboleko enenzalo ephansi iyona ezuzisa kakhulu.

Kubalulekile lapho uqhathanisa ukusebenzisa hhayi unyaka kuphela, kodwa futhi isilinganiso senzalo esisebenzayo... Yile nkomba ekuvumela ukuthi ubale izindleko ezigcwele zemalimboleko yokuphinda uxhase futhi uhlole kahle inzuzo yohlelo.

Izinga lenzalo elisebenzayo imele izindleko zangempela zemalimboleko, ebheka zonke izimali nezimali ezikhokhwayo ezisebenza ngaphansi kwesivumelwano.

Amabhange amaningi aheha amakhasimende ngezinsolo zokuthi zinemali eningi. Kucwaninga okuningiliziwe kuphela kwezinga lenzalo elisebenzayo lapho kuba sobala khona ukuthi lolu hlelo noma lolu luzuzisa ngempela.

[4] Ukuba khona nenani lezimali ezengeziwe

Lapho ukhetha uhlelo lokuxhasa kabusha imali, kufanele unake ukutholakala kwemininingwane esivumelwaneni mayelana nokuhlukahluka amakhomishini angeziwe... Imvamisa, izinkokhelo ezinjalo zisho imali yokwenza imali mboleko, ukuvula futhi ukugcina i-akhawunti yesikweletu, ukubhekelelwa kwesicelo nabanye.

Kubalulekile ukuqonda ukuthi lawo makhomishini ngokomthetho akuvunyelwe... Ngaphezu kwalokho, umkhuba omkhulu wokwahlulela usuvele unqwabelene kulolu daba. Yize kunjalo, amanye amabhange asadukisa ababolekisi.

Ngokomthetho, amakhasimende anelungelo lokungavumelani nezigaba ezithile zesivumelwano maqondana, ngokwesibonelo, namakhomishini angekho emthethweni. Kodwa-ke, kulokhu, kunengozi enkulu yokuthi inqubo yokuxhaswa kabusha izokwenqatshwa, noma imali mboleko izokhishwa ngezinga eliphakeme.

☝ Ochwepheshe batusa labo abahlangabezane nesidingo sokukhokha amakhomishini ahlukahlukene, basayina isivumelwano ngemigomo yombolekisi. Lapho isivumelwano sesiphelile, nemali isitholakele, kufanele ubhalele ibhange Faka isicelo... Kumbhalo onjalo, kuyadingeka ukusetha amaqiniso okwephula umthetho bese uthumela isidingo sokubuyiselwa kwemali ebikhokhelwe izinsizakalo ezibekwe ngumbolekisi.

Kubalulekile ukukhumbula ukuthi ukusekelwa kwemali mboleko akuyona insizakalo edingwa ngamakhasimende. Ngokuphambene nalokho, kuyisibopho sombolekisi. Ukuzijwayeza kukhombisa ukuthi sebethole isimangalo, amabhange ajwayele ukubuyisa imali ngaphandle kwezinkinga. Ababolekisi abafuni ukuletha leli cala enkantolo, njengoba bazi kahle ukuthi kulolu daba umthetho usohlangothini lomuntu obolekayo.

[5] Kungenzeka nezimo zokukhokha ngaphambi kwesikhathi

Akukhona kuphela ukukhokhelwa kwemali mboleko okusiza ukunciphisa ukukhokha ngokweqile. Okubaluleke kakhulu kunoma yisiphi isivumelwano semalimboleko yikhono nganoma yisiphi isikhathi ngaphandle kwemingcele yokwenza qedela noma ukukhokha kusengaphambili okuyingxenye.

🔔 Lapho ufunda inkontileka, kubalulekile ukuthi unake i-algorithm yokuqala yokukhokha.
Yonke imibandela yokwenza inqubo ebhekwayo kumele ishiwo ngokusobala esivumelwaneni. Lokhu kusebenza ikakhulu ezinsukwini ezingaki futhi ngamuphi umqulu lowo obolekiwe okufanele azise ibhange ngenhloso yalo yokukhokha.

Kumele kukhunjulwe ukuthi umbolekisi akanalo ilungelo lokusungula izinhlawulo namakhomishini okukhokha ngokushesha. Kodwa-ke, kwezinye izimo, kungacatshangelwa imikhawulo yesikhashana - ukumiswa izinyanga ezimbalwa.

Uma ubheka wonke amaphuzu achazwe ngenhla, inqubo yokwenza imali kabusha iyoba inzuzo enkulu kakhulu.

Kwenqatshwe imali futhi: izizathu eziyinhloko

7. Kungani amabhange enqaba ukwengeza imali mboleko - izizathu ezi-3 eziyinhloko zokwenqaba 📛

Ochwepheshe baxwayisa labo abathathe isinqumo sokwenza imali mboleko: kule ndawo, amathuba okwehluleka aphezulu kakhulu ↑... Amabhange imvamisa awazisi ababolekayo ukuthi kungani bethatha isinqumo esithile. Kodwa-ke, kunamaphuzu amaningana ayinhloko avame ukuholela ekwehlulekeni.

⛔ Isizathu 1. Ukuba khona kokubambezeleka kunoma yiziphi izimalimboleko

Akekho umbolekisi ofuna ukubhekana namakhasimende angathembekile. Yingakho, uma ufaka isicelo sokuxhaswa kabusha kwemali lapho kukhona ukubambezeleka okukhona, isicelo sizokwenqatshwa.

Uma umboleki onokwephula imigomo yokwenza izinkokhelo esafuna ukukhipha imali, kuzofanele akhokhe konke ukubambezeleka. Ngemuva kwalokho, izinyanga ezimbalwa (imvamisa okungenani 3-x) inkokhelo kufanele yenziwe ngesikhathi. Le ndlela iyasiza phakamisa ↑ ithuba lokuvunywa kwesicelo esifakiwe.

Ngendlela, amathuba okuvunyelwa akhuphuka ↑ uma obolekayo enikeza ibhange ukuphepha okungeziwe... Kungenzeka impahla engamanzi njengesibambiso noma i-solvent ababambisene ngokubambisana noma izibambiso.

Enye indlela yokuxazulula inkinga esimweni esinzima ukufuna usizo ku abadayisi bezikweletu... Ngasikhathi sinye, kubalulekile ukuthi ukhethe ngokucophelela inkampani yabalingani ukuze ungaweli ekuzingeleni kwabakhwabanisi.

Isizathu 2. Umlando wesikweletu esibi

Amabhange amaningi, nakanjani, lapho ebheka ukuthi kungenzeka yini ukuthi enze isivumelwano sokuxhasa ngemali kabusha, anake isithunzi salowo obolekayo.

Kumgogodla wayo umlando wesikweletu imele imininingwane yokuthi umuntu uzifeza kanjani izibopho zakhe zemalimboleko.
Iqongelela ku- I-BKI (Izikhungo zezikweletu). Isikhathi sokugcina lolu lwazi 15 iminyaka.
Ukuze uthole ngokushesha ukuthi imuphi kuma-CHB amaningi umlando wezezimali womboleki otholakala, udinga ukwazi ikhodi yakho yesihloko yomlando wesikweletu. Sichaze ngokuningiliziwe ukuthi singakuthola kanjani esihlokweni esedlule.

Ngemvume yalowo obolekayo ongahle afake isicelo semalimboleko, ibhange linelungelo lokucela imininingwane ku-BCH. Ngemuva kokuzihlola, umbolekisi unquma ukukhipha imali noma ukwenqaba (kokubili imali mboleko yendabuko kanye nokuxhaswa kabusha kwemali).

Kungokwemvelo ukuthi uma kunemininingwane engemihle ku-BKI, ibhange kungenzeka lenze isinqumo esingalungile ngesicelo esifakiwe. Ukugwema lokhu, ochwepheshe bancoma ababolekayo ukuthola ukuthi yiluphi ulwazi oluqukethwe kumlando wabo wesikweletu, ngaphambili.

Ungathola idatha yomlando wesikweletu usebenzisa izindlela eziningana:

xhumana nebhange ngesicelo esifanayo;
thumela isicelo ngokuzimela ku-Bureau of Credit Histories;
cela imininingwane efanele kuwebhusayithi yeBhange Elikhulu LaseRussia;
sebenzisa izinsiza zesiza esikhethekile.

⛔ Isizathu 3. Isikhathi esifushane kakhulu semalimboleko enikezwe imali futhi

Kuthatha isikhathi esithile ukuthi ibhange likholwe ngomthwalo, kanye nokuxazulula ikhasimende. Kungakho, lapho ubheka isicelo sokuxhaswa kabusha kwemali, ababolekisi bethula imikhawulo esikhathini semalimboleko yokuxhasa kabusha imali.

Ezimweni eziningi, kuzodingeka ukuthi uyikhokhe ngesikhathi okungenani izinyanga ezi-3... Amanye amabhange adinga amatemu amancane kakhulu - kusuka ezinyangeni eziyisithupha.

Ukwazi izizathu eziyinhloko zokwenqaba ukwenziwa kabusha kwemali, ababoleki bangazimela ngokuzimela ukuthi kufanelekile kanjani ukufaka isicelo ngalesi sikhathi samanje.

8.Imibuzo evame ukubuzwa (i-FAQ) ngokuxhaswa kabusha kwemali 💬

Ukuthandwa okwandayo kwemali ebolekwa kabusha kuholele ekutheni ababoleki abaningi banemibuzo mayelana nokucacisiwe kwale nqubo. Ukuze ungachithi isikhathi ufuna eminye imininingwane, siphendula ethandwa kakhulu.

Umbuzo 1. Kungenzeka yini ukuhlela ukuxhaswa kabusha kwemali mboleko ngaphandle kwesitifiketi semali engenayo (ngaphandle kobufakazi bemali engenayo)?

Uhlu lwamadokhumenti wokuxhasa kabusha imali mboleko ekhishwe kwesinye isikhungo sezikweletu emabhange amaningi liqukethe isitatimende semali engenayo... Ngokuqonda kombolekisi, kungadwetshwa ngendlela yesiko - 2-NDFLfuthi ngendlela yebhange.

Kodwa-ke, amanye amabhange anikeza abantu abathile imali ngaphandle kokukhombisa ukuthi bahola ini.

Kubalulekile ukugcina engqondweni kuthiwani kulokhu izimo zingase zingabi zizinhle kangako. Lokhu ikakhulukazi kuthinta izinga eliphezulu lenzalo.

Ngaphezu kwalokho, ngeke ukwazi ukwenza imali mboleko ngaphandle kokwazisa ibhange ngemali oyitholayo. Ekufakeni isicelo sokubolekisa ngemali, imininingwane ngenani lemali engenayo, kanye nomqashi kanye nesikhundla esiphethwe, kufanele kuboniswe. Ngaphandle kwesidingo sokuqinisekisa lolu lwazi ngemibhalo, ayasetshenziswa lapho kubhekwa isicelo.

Sikweluleka futhi ukuthi ufunde indatshana yethu yokuthi ungasithola kanjani futhi kuphi imali mboleko ngaphandle kwezinkomba nabaqinisekisi, noma ngabe unomlando omubi wesikweletu.

Umbuzo 2. Yini ukukhokhela kabusha imali ebolekwe evikelwe yi-real estate?

Ukunikezwa imali kabusha okuvikelwe izindlu nomhlaba, empeleni, kuyimali evamile yokuxhasa kabusha ngokuya ngokuhlanganyela ekubambisaneni kwesithembiso.

Uhlelo olunjalo lungasetshenziswa ukukhipha ekubambeni kwento ethengwe ekubanjweni kwempahla nokunye kwayo. Lokhu kungadingeka lapho impahla ebanjiswe ngemali idinga ukuthengiswa.

Ukunikezwa imali kabusha kuvikelwe izindlu nomhlaba

Ukuphinda unike imali ngemali evikelwe yi-real estate kunezinzuzo ezilandelayo:

ivumela obolekayo ukuthi abale inani elikhudlwana ↑ lemali mboleko. Ungahlanganisa imalimboleko eminingana yabathengi ngamanani angaqhathaniswa nempahla ebanjiswayo;
ikuvumela ukuthi ukhulise ngokuphawulekayo ↑ amathuba okuvunywa kwesicelo.

Ngasikhathi sinye, imvamisa akunandaba ngebhange ukuthi izimali ezitholiwe zizoqondiswa kuphi - ukukhokha imali ebolekiwe yamanje noma ezinye izinjongo. Kulokhu, isibambiso sisebenza njengohlobo lwesiqinisekiso. Uma obolekayo enqaba ukukhokha, ibhange lizothengisa impahla etholwe njengesibambiso bese libuyisa imali yalo.

P.S. Kokunye izindatshana zikamagazini wethu, ungafunda i-athikili yokuthi ungayikhipha kanjani imalimboleko evikelwe yizakhiwo nomhlaba ngaphandle kobufakazi bemali oyitholayo.

Umbuzo 3. Kungenzeka yini ukwenza imali kabusha kwimalimboleko ngokubambezeleka (isikweletu esedlulelwe yisikhathi)?

📣 Ochwepheshe bayaxwayisa: thola isinqumo esivumayo esicelweni sokuxhaswa kabusha kwemali lapho kukhona isikweletu esedlule cishe akunakwenzeka... Lokhu kungenxa yengcuphe ephezulu yokubolekiswa kwalabo babolekisi.

Kodwa-ke, kwezinye izimo, ibhange okukhishwe kulo imalimboleko eyeqile isikhathi iya kulowo obolekiwe ukuze abe nomhlangano. Uma umbolekisi enesibonelelo sokuxhasa kabusha kulayini womkhiqizo, angavuma ukukunikeza iklayenti lakhe. Kepha kufanele ulilungele iqiniso lokuthi ibhange lingadinga imali eyengeziwe - isibambiso noma isibambiso.

Eqinisweni, ukukhipha imali kabusha kuhloswe hhayi ukuxazulula izinkinga ngezikweletu, kepha ukwenza ngcono imigomo yokukhokha. Uma kungenalutho ongakhokha ngalo imali mboleko, kufanele unake amanye amathuba - ukuhlela kabusha isikweletu noma ukuqothuka.

Umbuzo 4. Ungasifaka kanjani isicelo sokuxhaswa kabusha kwemali mboleko?

Ungakhipha futhi uthumele isicelo sokuxhaswa kabusha kwemali, ngokuxhumana nehhovisi lasebhangelapho inqubo ihlelwa khona, noma, ngokuvakashela iwebhusayithi yakhe.

Ukucatshangelwa kokuqala, kwanele ukukhombisa imininingwane eyisisekelo:

isibongo, igama nesibizo;
idatha yepasipoti;
amakheli okubhalisa nawokuhlala;
imininingwane yokuxhumana - izinombolo zocingo;
inani lemalimboleko eliceliwe.

Uma kwenzeka kufayilwa Izicelo zokukhokhelwa kwemali mboleko online isixazululo esizovela sizoba eyandulelayo... Lokho wukuthi, ukuvunywa akuqinisekisi ukwenziwa kwesivumelwano semalimboleko.

Ukuqhubeka nokubhekisisa, kufanele unikeze ibhange imibhalo edingekayo. Kuphela ngemuva kokuhlaziywa kwabo lapho isinqumo sokugcina.

Umbuzo 5. Ungayibala kanjani imali ebolekwa kabusha?

Ukuze uqiniseke ukuthi ukuphinda unike imali kuzoba yinzuzo ngempela, kubalulekile ukubala amapharamitha wenqubo ngaphambi kokusayina inkontileka. Cishe akunakwenzeka ukukwenza ngesandla.

Noma kunjalo, wonke umuntu angenza izibalo ngemizuzu embalwa nje. Ukuze wenze lokhu, vele usebenzise noma iyiphi i- wokubala ezikhethekile.

Namuhla ukukhetha kwabo kwi-Intanethi kubanzi impela. Kepha umgomo wokusebenza ucishe ufane: kwanele ukufaka imingcele eyisisekelo yemalimboleko emasimini - isilinganiso, usayizi futhi isikhathiukuthola ngomzuzu nje ukuthi izinkokhelo nokukhokha ngokweqile kuzoba yini.

Muva nje, ukuthandwa kokuxhaswa kabusha kwemali eRussia bekukhula kancane. Izakhamizi eziningi zathatha imali mboleko ngesikhathi senkinga ngamanani aphakeme kakhulu. Namuhla, phakathi kokuncishiswa ICentral Bank isilinganiso sokhiye, kukhona ukwehla kwamanani ↓ wenzalo yemalimboleko futhi.

Esimweni esinjalo, isifiso sezakhamizi sokwenza ukuthi imigomo yokuhlinzekela izibopho zabo ibe nenzuzo ethe xaxa ingokwemvelo impela. Ngale njongo, ungasebenzisa ukuxhasa kabusha imali mboleko.

Ukukhulula akusizi nje kuphela ukusika ↓ isilinganiso, kodwa futhi ukunciphisa ↓ inani lezinkokhelo futhi ukukhokha ngokweqile... Umphumela uba ngcono enhlalakahleni yezezimali.

Ekugcineni, bukela ividiyo eningiliziwe mayelana nokuxhaswa kabusha kwemali mboleko:

Uma unemibuzo, ukuphawula noma okungeziwe esihlokweni sendatshana, bese uyibhala kumazwana angezansi. Ungakhohlwa ukwaba futhi lokhu nabangani bakho kokuxhumana nabantu.Kuze kube yisikhathi esilandelayo!

Send