Ungasithola kanjani isikweletu (imalimboleko) evikelwe umhlaba noma indlu enesiza - izigaba zokubhalisa + amathiphu ama-4 awusizo kubaboleki
Sawubona, bafundi abathandekayo bemagazini ye-Ideas for Life! Kulesi sihloko sizokutshela ukuthi ungayithatha kanjani imalimboleko evikelwe yindlu nendawo yomhlaba.
Ngendlela, ubonile ukuthi idola selivele lingakanani? Qala ukwenza imali ngomehluko wamanani wokushintshana lapha!
Akuyona imfihlo kunoma ngubani ukuthi ukuhlinzeka ngempahla njengesibambiso kwandisa amathuba okuthola imali mboleko enenzuzo. Kodwa-ke, akuwona wonke umuntu okwaziyo lokho umhlaba futhi izindlu zangasese... Yingakho namhlanje sinqume ukuhlala kulesi sihloko ngokuningiliziwe.
Lo mbhalo uqukethe nemiyalo yokuthi ungahlela kanjani imali mboleko evikelwe yisiqephu somhlaba nezindlu zezwe, yiziphi izigaba okuzodingeka zinqotshwe ngalokhu. Ekupheleni kokuthunyelwe, uzothola amathiphu wokukusiza ugweme ukuba yisisulu semikhonyovu yezikweletu.
Uma ungafuni ukuphuthelwa noma yini ebalulekile, qiniseka ukuthi uyayifunda indatshana kuze kube sekupheleni!
Ngale ndlela, izinkampani ezilandelayo zinikela ngezimo ezinhle kakhulu zemalimboleko:
| Isikhundla | Qhathanisa | Isikhathi sokuthatha | Inani eliphakeme | Inani eliphansi | Ubudala ukulinganiselwa | Izinsuku ezingenzeka |
|---|---|---|---|---|---|---|
| 1 | Isitoko | 3 imiz. | Hlikihla ama-30,000 Hlola! | Hlikihla i-100 | 18-65 | Izinsuku eziyi-7-21 |
| 2 | Isitoko | 3 imiz. | Hlikihla ama-70,000 Hlola! | Hlikihla i-2,000 | 21-70 | Izinsuku eziyi-10-168 |
| 3 | 1 iminithi. | Hlikihla ama-80,000 Hlola! | Hlikihla i-1,500 | 18-75 | Izinsuku 5-126. | |
| 4 | Isitoko | 4 imizuzu | Hlikihla ama-30,000 Hlola! | Hlikihla i-2,000 | 18-75 | Izinsuku 7-30 |
| 5 | Isitoko | - | Hlikihla ama-70,000 Hlola! | Hlikihla i-4,000 | 18-65 | Izinsuku ezingama-24-140. |
| 6 | 5 imizuzu. | Hlikihla i-15,000 Hlola! | Hlikihla i-2,000 | 20-65 | Izinsuku 5-30 |
Manje ake sibuyele esihlokweni sendatshana yethu bese siqhubeka.
Ngale ndlela, izinkampani ezilandelayo zinikela ngezimo ezinhle kakhulu zemalimboleko:
| Isikhundla | 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.
Ungayithola kanjani imalimboleko evikelwe yindlu yezwe futhi lapho ungathola khona imalimboleko evikelwe umhlaba (indawo yomhlaba) - uzofunda kulo magazini
1. Yiziphi izici zemalimboleko evikelwe umhlaba noma indlu yezwe enesiqephu somhlaba 🗒
I-Suburban real estate, njenganoma iyiphi enye impahla, iyithuluzi lezezimali elibaluleke kakhulu. Ungasebenzisa impahla enjalo ngezindlela ezihlukile. Ochwepheshe abaningi babheka enye yezindlela ezingcono kakhulu imalimboleko evikelwe yi-suburban real estate (umhlaba, indlu yangasese).
Wonke umuntu uyazi ukuthi amabhange ahlinzeka ngezimo ezinhle kakhulu uma ethembela ngangokunokwenzeka ekubuyiseni izimali ezikhishiwe. Ubungozi bombolekisi buncishiswa kakhulu uma ethola ingcebo njengesibambiso.
Kungakho abanikazi bezindawo ezingamanzi ezingaphansi komhlaba ezisethekwini bangathembela kuzo imigomo enenzuzo, futhi isimo sobuqotho kusuka emabhange.
Kubalulekile ukuqonda ukuthi impahla ingafungiswa kuphela uma ingeyomboleki ngokuphelele ngelungelo lobunikazi. Ngaphezu kwalokho, ngaphambi kokukhipha imali, umbolekisi uzohlaziya ngokuphelele impahla.
Vele, uma ibhange ngasizathu simbe lingakwamukeli njengesibambiso, ungaxhumana Ama-IFIs noma ku- abatshalizimali abazimele... Kodwa-ke, imigomo yalabo ababolekisi ayithandeki kangako. Uma benikela ngamanani aphansi, kufanele uqaphele, mhlawumbe uke wahlangabezana nabakhwabanisi.
Akuwona wonke umuntu onganikeza ifulethi njengesibambiso. Lokhu kungenxa yokuthi ababolekisi abaningi bafuna ukuthi akuyena yedwa. Incazelo ilula - kunzima kakhulu ukuphuca umRashiya ikhaya lakhe okuwukuphela kwalo.
Kuvela ukuthi ibhange lihlala lingenawo umshwalense uma kwenzeka obolekayo enqaba ukufeza izibopho zakhe. Isimo siba nzima kakhulu uma izingane noma izakhamizi ezenqabile ukuzenza ezizimele zibhaliswa kuleli flethi.
Okwamanje, inani elikhulu lamaRussia selibhalise ngokusemthethweni iziza zomhlaba, amakotishi asehlobo nezingadi ezenziwe zaba ngezakho (izingadi zensimu). Zingalethwa ukuze zithole imali ngesikweletu.
Kodwa-ke, ngaphambi kokufaka isicelo semalimboleko evikelwe umhlaba noma indlu, kufanele uqonde ngokucophelela wonke ama-nuances alezo zimali mboleko. Lokhu kubaluleke kakhulu ngoba lolu hlobo lokubolekisa aluvamile kakhulu kunemali ebolekwe yifulethi.
Ukuthola imali yokuvikela izindlu nomhlaba kunezici ezihlukile:
- Imalimboleko izotholwa yindlu kanye nesiqephu somhlaba eyakhiwe phezu kwaso. Kulokhu, umbolekisi uzocela imibhalo ku- 2-th izinto... Ngakho-ke, kufanele uhlole kusengaphambili ukuthi indlu nomhlaba ongaphansi kwayo kuhlotshiswe kahle. Umhlaba kumele wenziwe ngasese futhi ungabi ngoweziphathimandla zombuso noma zikamasipala.
- NgabeImibandela yemalimboleko enesibambiso esifanayo ngokuvamile ayinanzuzo kangako - amabhidi aphakeme amount, inani kanye namatemu mancane ↓. Lokhu kungenxa yokuthi ingcebo etholakala ngaphandle kwemingcele yedolobha ayihlali ingamanzi njalo. Ukuthengisa izinto ezinjalo kunzima kakhulu kunokuthengisa ifulethi. Okufanayo kusebenza ezindlini ezizimele ezisedolobheni.
- Inani lemalimboleko eliphakeme lincike kunani elilinganisiwe lesakhiwo esibanjiswe ngempahla. Imvamisa, amabhange ngokwawo ahlaziya into, ngenxa yalokho intengo ingahle ibonakale ingaphansi. Ngakho-ke, kungakuhle ukuthi umboleki a-ode ukuhlolwa kusuka kusazi esizimele. Kodwa-ke, ngaphambi kokwenza lokhu, kufanelekile ukubuza kubabolekisi abakhethiwe ukuthi bazowamukela yini umbiko ozimele. Amanye amabhange ayasebenza kuphela nababolekisi abagunyazwe yibo.
Eqinisweni, akunama-nuances amaningi kangako ekutholeni imalimboleko evikelwe umhlaba noma indlu. Kodwa-ke, zonke zibaluleke kakhulu futhi zidinga ukunakekelwa kwazo.
Akuwona wonke amabhange avumayo ukwamukela ukuthengiswa kwezindlu ezisemadolobheni njengesiqinisekiso. Ngakho-ke, ukufuna umbolekisi kuzothatha isikhathi esiningi. Yingakho ochwepheshe bayeluleka funa usizo ku abadayisi bezikweletu.
Isigaba esibaluleke kakhulu kunoma yikuphi ukucubungulwa kwemali mboleko ukuqoqwa kolwazi. Kuze kube manje, ibhange lidinga ukuthi umuntu obolekayo ahambise amadokhumende amaningi. Ukuthola imalimboleko evikelwe yi-suburban real estate, kuzofanele ulungiselele izitifiketi namanye amaphepha, womabili obolekayo kanye nesibambiso.
Njengomthetho, kuzodingeka ukuthi le mibhalo elandelayo ithunyelwe ebhange:
- ipasipoti;
- izitifiketi neminye imibhalo eqinisekisa ubunikazi bomthengi obolekiwe bento leyo athembisa ngayo;
- izinkontileka nezinye izivumelwano lapho lowo obolekayo athola ubunikazi bempahla.
Uhlu olungenhla luqukethe kuphela imibhalo esemqoka. Isicelo sabanye sincike kakhulu kumbolekisi. Amabhange ngokuvamile adinga iphakethe elikhudlwana lamadokhumenti kunezikhungo zezimali ezincane kanye nabatshalizimali abazimele.
Ukwakheka kwephakeji lemibhalo kuyathinteka nohlelo olukhethiwe lwemalimboleko:
- Uma kunesimo esivumelwaneni mayelana nobufakazi bemali engenayo, kungadingeka izitifiketi zemiholo yasebhange noma i-2-NDFL, izimemezelo, izitatimende zekhadi lasebhange.
- Uma lolu hlelo lubandakanya ukuheha ababambisene nabo noma abaqinisekisi, kuzodingeka ukuthi uqoqe amadokhumenti afanayo kubo njengalowo obolekayo omkhulu.
Ngakho-ke, kunama-nuances amaningi ekutholeni imalimboleko evikelwe yi-suburban real estate. Kubalulekile ukuthi uzifunde ngokucophelela zonke futhi ubheke lapho ufaka isicelo semalimboleko.
Lokhu kuzosiza ukugwema izinkinga ngokuzayo, okuvame ukuqhamuka ngenxa yokufunda okuncane kwezezimali noma ukutholakala kwezinto ezingatholakali. Kufanele kuqondwe ukuthi ngemuva kokusayina inkontileka, akunakwenzeka ukuthi noma yini iguqulwe.
Sikukwazisa ukuthi ufunde i-athikili yethu yokuthi ungayikhipha kanjani kahle imalimboleko evikelwe yi-real estate ebhange.
2. Imalimboleko evikelwe umhlaba (umhlaba) - imiyalo yokuthi ungathatha kanjani + amabhange we-TOP-3 anezimo ezinhle zokubolekwa imali lend
Ukuthola imali mboleko evikelwe yisiqephu somhlaba akuyona into elula. Kuzodingeka ucabangele inani elikhulu lama-nuances nezidingo.
Ochwepheshe bezezimali basiza ukonga isikhathi. Banikela ngemiyalo yesinyathelo ngesinyathelo kubantu abasha abazobolekisa, futhi bavame ukukhipha izibuyekezo zamabhange ongathembela kuwo.
2.1. Yimuphi umhlaba ongamukelwa njengesibambiso semalimboleko - izidingo ezi-4 eziyinhloko zeziza zomhlaba
Thola imalimboleko evikelwe umhlaba akunakwenzekauma sekuvele kubekiwe isikhubekiso... Lesi simo siba khona uma umhlaba usuvele uthenjisiwe noma uthengiwe kusetshenziswa izimali zemalimboleko eqondisiwe engakabuyiselwa.
Eminye imibandela amasayithi okumele ahlangabezane nayo ivame ukulandela le:
- imihlaba ngeyokuhlala noma inezinjongo zezolimo;
- ubunikazi besiza benziwa ngokomthetho ngokuya ngezidingo zomthetho;
- isayithi lisendaweni yohlelo lokubolekisa;
- izakhiwo ezitholakala esiqeshini somhlaba kufanele zibhaliswe kubunikazi (kulokhu, imali mboleko ingakhishwa ngokushesha ngomhlaba nesakhiwo).
Isici esibaluleke kakhulu sesakhiwo somhlaba isikweletu... Kuqondakala njengo ikhono lempahla lisheshe futhi ngaphandle kokulahleka lithengiswe futhi liguqulwe libe yimali. I-Liquidity incike kwinani elikhulu lezinto, ezifana nengqalasizinda, indawo.
Indlela okumele ihlangatshezwe yiziqephu zomhlaba ezethembisiwe njengezibambiso ivezwe kuzidingo zabo ngabakweletisi. Okuyinhloko kuxoxwa ngakho ngezansi.
Isidingo 1. Umhlaba ungowomboleki ngelungelo lobunikazi
Inketho ekahle kulapho umboleki kunguye kuphela umnikazi wesiza somhlaba. Uma kungokwabashadile ngesisekelo sobunikazi obuhlanganyelwe, kuzodingeka imvume ebhaliwe yomnikazi wesibili ukudlulisa isiza njengesibambiso semalimboleko.
Isimo siba nzima kakhulu uma ingxenye yesiza ingeyabanye. Lokhu kuyiqiniso ikakhulukazi ngobunikazi bamasheya omhlaba yizakhamizi ezincane. Kulokhu, ibhange cishe cishe izokwenqaba ekukhipheni imali ebolekwe ngesiza. Ukuphela kwendlela yokuphuma ukuxhumana Ama-IFIs noma ku- umtshalizimali wangasese.
Isidingo 2. Akukho zimangalo ezivela kubanikazi beziza ezingomakhelwane
Kubalulekile ukuthi kungabi bikho ukufunwa kwendawo ngesiqephu somhlaba noma kungenziwa ngokusemthethweni.
Ngamanye amazwi, akufanele kube khona izingxabano zomthetho ngemingcele yesayithi. Uma kukhona, ibhange ngeke lamukele umhlaba njengesibambiso kuze kube inkantolo yenza isinqumo.
Isidingo 3. Ukutholakala kwezindlela ezivumela ukufinyelela esakhiweni somhlaba unyaka wonke
Ukushoda kwemigwaqo engena esiqeshini somhlaba, okunikeza ithuba lokuyivakashela unyaka wonke, kwehlisa kakhulu izinga isikweletu... Ngakho-ke, kungenzeka ukuthi ibhange libheke lezo zakhiwo zasemaphandleni njengezibambiso.
Ngokuphambene nalokhu iziza ezisezindlini zokuhlala ezinemigwaqo esezingeni eliphakeme ziba yisibambiso esihle semalimboleko.
Isidingo 4. Isiza somhlaba akusona esikahulumeni futhi asiyona ingxenye yesiqiwu semvelo
Uma ngabe isabelo esincane somhlaba singaphansi kweziphathimandla zombuso noma zikamasipala, ngeke samukelwe njengesibambiso semalimboleko.
Indawo yesiza idlala indima ebalulekile. Uma itholakala endaweni yanoma iyiphi indawo yokulondolozwa kwemvelo, endaweni evikela amanzi, kanye nasendaweni yezimboni, kuyisibambiso futhi awukwazi.
Ngakho-ke, inani elikhulu lezici linomthelela esinqumweni sokuthi kungenzeka yini ukwamukela iziqephu zomhlaba njengesibambiso semalimboleko.
Ababolekisi banezidingo ezihlukile, ngakho-ke uma kwenzeka benqaba ukukhipha imali mboleko ngenhlangano eyodwa, ungazama ukuxhumana nenye.
Izigaba zokuthola imali mboleko evikelwe umhlaba (umhlaba)
2.2. Ungasithola kanjani isikweletu esivikeleke ngesiza somhlaba - izigaba eziyisihlanu eziyinhloko
Elinye lamaphuzu abalulekile wokufunda ngemalimboleko evikelwe ngumhlaba inqubo yokubhaliswa kwayo. Imvamisa kuthatha isikhathi esiningi futhi kudinga inani elikhulu lomzamo kofake isicelo.
Ngakho-ke, ochwepheshe batusa yenza amalungiselelo okuqala. Kuyafaneleka ukuqoqa imibhalo kusengaphambili ezodingeka ukufaka isicelo semalimboleko kunoma yikuphi.
Ukwenza umsebenzi ube lula nokugwema amaphutha amaningi kuzosiza imiyalo yesinyathelo ngesinyathelookwethulwe ngezansi.
Isigaba 1. Ukukhetha ibhange nokuthumela isicelo
Kunokunikezwa okuningi ekubhalisweni kwemali mboleko evikelekile emakethe yezimali yaseRussia. Kodwa-ke, akubona bonke ababolekisi abavumayo ukwamukela iziqephu zomhlaba njengesibambiso.
Inombolo enkulu kakhulu yokunikezwa ingatholakala emadolobheni amakhulu. Kungakho kunamathuba okuthola uhlelo olunezimo ezinhle kakhulu. kuphakeme kakhulu ↑.
Ukuze uqiniseke ngokusebenzisa okunikezwayo okunenzuzo enkulu, umboleki kumele aqhathanise izimo ezisebenza ezikhungweni eziningi zezikweletu ngangokunokwenzeka.
Okokuqala, kufanele uxhumane nebhange lapho kudluliswa khona inkokhelo. Izinkampani eziningi zalesi sigaba samakhasimende zinikela ngezimo ezihamba phambili. Bangathembela amanani amancane futhi inani elikhulu lemalimboleko.
Okubalulekile! Akuwona wonke amabhange avumayo ukwamukela iziqephu zomhlaba njengesibambiso. Ngakho-ke, kukude kakhulu ngaso sonke isikhathi ukuthi kutholakale imalimboleko evikeleke ngaleyo mali ebhange lokukhokha. Kufanele wenze umzamo wokuthola okunikezwayo okufanayo kwezinye izinhlangano ezibolekisa.
Enye yezinketho zokusesha ukusetshenziswa kolwazi oluvela kumasayithi ahlinzeka ngezinsizakalo zokuqhathanisa izinhlelo zokubolekisa. Okudume kakhulu eRussia yi Amabhange.ru futhi Qhathanisa.ru.
Noma kunjalo, ungathembi ngokuphelele idatha yalezi zinsizakalo. Kungcono futhi ukuthi uzihlaziye.
Kuze kube manje, lezi zici ezilandelayo kuzodingeka ziqhathaniswe namabhange ahlukene:
- isikhathi semisebenzi emkhakheni wokubolekisa;
- ukuhlolwa kwama-ejensi wokulinganisa;
- usayizi namandla ezinkomba zezezimali;
- ukubuyekezwa okuvela kumakhasimende wangempela.
Imvamisa, amabhange amancane esifunda asanda kwenziwa anikela ngemibandela evumayo yokubolekisa. Benza lokhu ukuheha amakhasimende amaningi, ngoba izinga labo lokuncintisana liphansi.
Kodwa-ke, akufanele usheshe ugijimele kunikezwa okunjalo. Iningi lala mabhange alikwazi ukubizwa ngokuthi lithembekile, ngakho-ke ingozi enkulu yokuchithwa... Uma kwenzeka kuqothuka okweletwayo, ozongena esikhundleni sakhe kuzodingeka akhokhe isikweletu. Lokhu kungaholela ekuphazamisekeni kanye nezindleko ezingeziwe.
Kuyafaneleka ukucatshangelwa! Namuhla, ukufaka isicelo semalimboleko ebhange, akudingekile ukuvakashela igatsha lalo. Ungakwenza lokhu kuwebhusayithi yesikhungo sokubolekisa. Kodwa-ke, isinqumo kuleli cala sizoba esokuqala.
Uma uvunyelwe, kuzofanele uye ehhovisi lasebhange nemibhalo. Kepha ukufaka isicelo kumodi online ikuvumela ukuthi wonge kakhulu isikhathi, esingeke sichithwe uma kwehluleka.
Isigaba 2. Ukulungiswa kwemibhalo nokuhlolwa kwesiza somhlaba
Uma umboleki efaka isicelo semalimboleko online, ngemuva kokuvunywa kwayo, kuzofanele uvakashele igatsha lasebhange nemibhalo.
Uma kunqunywa ukugcwalisa isicelo ngqo ehhovisi lombolekisi, kufanele uthathe ngokushesha iphakethe elilungiselelwe lezitifiketi nezitifiketi. Lokhu kuzosiza ukonga isikhathi somboleki.
Ibhange ngalinye ngokuzimela lenza uhlu lwemibhalo edingekayo yokuthola imalimboleko evikelwe yisiqephu somhlaba.Ngakho-ke, uhlu ngqo kuzodingeka lucaciswe ecaleni ngalinye ngokwehlukana.
Kodwa-ke, ungasho imibhalo eminingi ezodingeka nakanjani:
- Ipasipoti yomboleki;
- umazisi wesibili;
- isitatimende semali engenayo;
- imibhalo eqinisekisa ukuqashwa;
- amaphepha aqinisekisa ubunikazi bomhlaba;
- uhlelo lwe-cadastral;
- isitifiketi sokungabikho kwemikhawulo ekulahlweni kwempahla.
Enye ingxenye yesigaba sokulungiselela yile ukuhlolwa komhlaba... Ngokuya ngezindleko ezinqunywe ngochwepheshe, ukubalwa kwenani lemali mboleko ephezulu... Imvamisa ayidluli 60% inani elihloliwe.
Kodwa-ke, sonke isakhiwo somhlaba samukelwa njengesibambiso. Kungakho kuzuzisa ibhange ukuthi umhloli wezinto abukele phansi izindleko ngangokunokwenzeka ↓. Lokhu kunciphisa kakhulu ubungozi besikhungo esikweleta. Ngasikhathi sinye, kuyasiza kumboleki ukuthi inani eliboniswe embikweni wenkampani yokuhlola liphezulu.
Ochwepheshe batusa oda ukulinganisa kusuka enkampanini ezimele. Lokhu kuqinisekisa ukuphokophela kokubala. Kepha ungakhohlwa ukuthi amanye amabhange amukela kuphela imibiko evela kulezo zinkampani ezifakiwe ohlwini ezizihlanganisile.
Isigaba 3. Isiphetho sesivumelwano semalimboleko
Ngemuva kokuthola isicelo kanye nemibhalo edingekayo, ibhange liyaqhubeka nokuzihlola. Kepha kusesekuseni kakhulu ukujabula ngemuva kokuthola isinqumo esihle. Okwamanje kuza ingxenye ebaluleke kakhulu yokucubungula imalimboleko. Kuqukethe ukusayina isivumelwano semalimboleko.
Ababoleki abaningi babhekana nezinkinga ezinkulu njengoba bengasifundanga kahle isivumelwano semalimboleko. Iqiniso ukuthi abasebenzi basebhange abadingeki khuluma ngawo wonke amaphuzu abalulekile esivumelwano. Ababoleki kufanele bazijwayele ngokuzimela ngesivumelwano. Kungcono nakakhulu ukufaka ummeli ochwepheshe kule nqubo.
Noma yimuphi umboleki kumele aqonde ukuthi unelungelo lokufuna izinguquko ezigabeni zesivumelwano ezingamfaneli. Okwamanje, abaphathi abaningi bamabhange bathi inkontileka isezingeni. Bakwethula njengokwesiko.
Kepha lo mbhalo kuzofanele uqondiswe isikhathi eside kuze kube imalimboleko ikhokhelwe ngokuphelele. Kungakho obolekayo, noma engakwazi ukushintsha inkontileka, kufanele azi kahle wonke amaphuzu ayo abaluleke kakhulu.
Lapho ufunda isivumelwano semalimboleko, kufanele unake la maphuzu alandelayo:
- isilinganiso senzalo esishiwo esivumelwaneni;
- kungakhokhelwa ziphi izimali kusenesikhathi futhi ngokugcwele ngokugcwele;
- usuku nenani lezinkokhelo zanyanga zonke (ukunakekelwa okukhethekile kufanele kukhokhelwe inkokhelo yokuqala neyokugcina);
- amalungelo omboleki njengomnikazi wempahla edluliselwe kwezokuphepha;
- zithini izinhlawulo namakhomishini, babizelwa ziphi izizathu;
- ungasizibi isigatshana sesivumelwano esiqukethe ezinye izimo, imvamisa kukhona lapho izingibe zikhona.
Esigabeni esifanayo, ukubhaliswa kwezinqubomgomo zomshwalense... Ababolekayo baphoqelekile ukuthi baqinisekise ukuthi impahla ithenjiswa.
Futhi, amanye amabhange adinga ukuthi impilo nezempilo zivikelwe ngezinqubomgomo. Obolekayo unelungelo lokwenqaba umshwalense onjalo. Kodwa-ke, kuleli cala, kufanele alilungele iqiniso lokuthi izimo zizoba zincane.
Isigaba 4. Ukuthola izimali ezibolekwe
Ezimweni eziningi, izimali ngenxa yomboleki ngokuya ngesivumelwano semalimboleko zidluliswa ngokudluliswa kwebhange kuye imephu noma I-akhawunti yasebhange... Abanye ababolekisi bayaqhubeka nokukhipha imali ngokheshi.
Kubalulekile ukuqinisekisa yilokho inani elitholakele lihambisana nalokho okushiwo kwinkontileka... Ngaphezu kwalokho, uma izimali zizodluliselwa kunoma iyiphi i-akhawunti, kubalulekile ukuthola kusengaphambili ukuthi ngabe ikhomishini ikhokhiswa imali ngayo.
Isigaba 5. Ukubuyiselwa kwemali mboleko
Kanyekanye nesivumelwano, obolekayo uthola uhlelo lokukhokha... Kubalulekile ukuyilandela ngokusobala, ufake imali ngesikhathi futhi ngokugcwele.
Ukubala ngokuzimela imalimboleko evikelwe umhlaba noma indlu, sincoma ukusebenzisa umshini wokubala wemalimboleko online, lapho ungabala khona ngokushesha nangokunembile izinkokhelo zanyanga zonke nenzalo yemalimboleko, kanye nenani lamakhomishini nokukhokha ngokweqile:
Kufanele kubhekwe, ukuthi ezinye izindlela zokwenza izinkokhelo zingabandakanya ukufaka imali isikhathi eside, ngezinsuku ezimbalwa. Futhi, kwesinye isikhathi kunenkokhelo yokufaka imali ikhomishini... Kulokhu, kufanelekile ukucubungula ubukhulu bayo ukuze izimali ezifakiwe zanele ukukhokha.
Ngakho-ke, imiyalo yochwepheshe yokuthola imalimboleko evikelwe yisiqephu somhlaba ingasiza kakhulu. Ngenxa yosizo olunjalo, ungathola imali ngokushesha nangobuncane bezinkinga.
2.3. Ungasitholaphi isikweletu esivikelwe yisiqephu somhlaba - amabhange ama-3 athandwayo
Kunezinketho eziningi zokuthola imali ezikweletini. Amabhange ahlala ahlinzeka ngezinhlelo eziningana ngezimo ezihlukile. Lokhu kukuvumela ukuthi ukhethe inketho evumelana nomboleki othile ezimweni ezithile.
Qaphela! Lapho uthatha isinqumo ngemalimboleko evikelwe ngeziza zomhlaba, kufanele ukukhumbule lokho ukuthola inani elincane, akulungile ukubeka engcupheni impahla... Amabhange amaningi akhipha amanani amancane ngaphandle kwesibambiso ngaphandle kwezinkinga.
Ngezansi kukhona 3 ibhange, okungukuthi, ngokusho kochwepheshe, namuhla abalungele ukuthola imali mboleko.
1) I-Sovcombank
ISovcombank inezimo ezinhle kakhulu maqondana nobudala bomboleki. Izakhamizi ezindala kusuka 21 eminyakeni edlule 85 iminyaka... Ukubhalisa kufanele kube unomphela futhi okungenani 4 izinyanga ezedlulile. Akudingeki ukuthi uqinisekise imali engenayo lapho ufaka isicelo semalimboleko evikelwe umhlaba.
Kuzokwazi ukuvikeleka kufika kuma-ruble ayizigidi ezingama-30... Kuzofanele babuyiselwe ngaphakathi 10 iminyaka... Kulokhu, isilinganiso sisethwe ezingeni kusuka ku-18.5% minyaka yonke. Izaphulelo zinikezwa izigaba ezithile zababolekisi.
Izidingo zendaba yesibambiso zijwayelekile. Into esemqoka ukuthi indawo yomhlaba itholakala endaweni yenkinga yemalimboleko.
2) I-VTB Bank yaseMoscow
Lesi yisikhungo esisha sezikweletu, esakhiwa ngenxa yokuhlanganiswa kwamabhange amabili amakhulu. Ngesikhathi somsebenzi wayo, inkampani ithole ukuthandwa phakathi kwamakhasimende, kufaka phakathi ukubonga ku imigomo evumayo yemalimboleko.
I-VTB Bank yaseMoscow inikela ngezimalimboleko ezahlukahlukene. Inani eliphakeme lokuboleka lifinyelela 3 million ruble... Kuqala inzalo kusuka ku-12.5% minyaka yonke.
Isinqumo sokuqala singatholakala ngesikhathi 15 imizuzu... Ukuze wenze lokhu, kwanele ukufaka isicelo kuwebhusayithi yebhange. Ngasikhathi sinye, abahola impesheni, abasebenzi bezempilo kanye nabezemfundo, kanye namaphoyisa bangathembela ezinzuzweni.
Ibhange lihlangana njalo namakhasimende maphakathi. Uma ababoleki benenkinga yezezimali, bangayisebenzisa isevisi amaholidi esikweletungokumisa kancane ukukhokha ngaphambi 2 izinyanga.
3) I-Alfa-Bank
Kuze kube manje, i-Alfa-Bank ayazamukeli iziza zomhlaba njengesibambiso semalimboleko. Kodwa-ke, inani elikhulu lezinhlelo ezahlukene zemalimboleko ezithakazelisayo zenziwe lapha.
Lapha ungathola imali mboleko yomthengi ngosayizi kuze kufinyelele ezigidini ezi-3... Ukubheja kuleli cala kuyaqala kusuka ku-14.5% minyaka yonke.
Ngenye indlela, ungathola ikhadi lesikweletu. Kunezinhlelo eziningi zazo, umkhawulo omkhulu ngu- 1 ruble ayisigidi... Uma ungabuyisa imali oyitholile ekhadini kungakapheli izinsuku eziyi-100, inzalo ngeke ikhokhiswe. Uma kungenzeki ukuhlangabezana nesikhathi somusa, isilinganiso sizobekwa ezingeni kusuka 23% minyaka yonke.
Lungiselela ukuqhathaniswa kwezinhlelo zemalimboleko TOP-3 amabhange itafula elingezansi lizosiza.
Ithebula lamabhange we-TOP-3 anezimo ezinhle kakhulu zokuboleka:
| Ibhange | Inani eliphakeme lemalimboleko | Ukubheja okuncane | Ama-nuances abolekisayo |
| Sovcombank | Ama-ruble ayizigidi ezingama-30 | 18.5% ngonyaka | Akunasidingo sokufakazela imali engenayo Imali ebolekwayo yabantu abathathe umhlalaphansi |
| I-VTB Bank yaseMoscow | 3 million ruble | 12.5% ngonyaka | Izimo ezikhethwa ngabahola impesheni, abasebenzi bezemfundo, ezokwelapha, ezamaphoyisa |
| I-Alfa Bank | Ama-ruble ayisigidi esingu-1 amakhadi wesikweletu ama-ruble ayizigidi ezi-3 zemalimboleko yabathengi | I-23% ngonyaka kumakhadi i-14.5% ngonyaka kwizimalimboleko ezijwayelekile | Isikhathi esiphezulu somusa wamakhadi phakathi kwamabhange izinsuku eziyi-100 |
Ukubambisana namabhange ashiwo ngenhla kukuvumela ukuthi uqiniseke ukuthi ukubolekisa kuzoba nenzuzo. Ukuthembeka kwabo kuhlolwe ngesikhathi kanye nenani elikhulu lamakhasimende.
3. Ungayithola kanjani imalimboleko evikelwe yindlu enesakhiwo - izigaba eziyinhloko zokuthola + ukubuka konke ngamabhange athandwayo we-TOP-3 🏦
Ungathola nemalimboleko evikelwe izindlu zezwe. Lolu hlobo lwemalimboleko lunezici zalo, nakho okubalulekile ukuzijwayeza ngalo.
3.1. Yiziphi izindlela okufanele kuhlangatshezwane nazo ezindlini zezwe ezibophezelwe njengesibambiso - incazelo yezimfuneko ezi-3 eziyinhloko
Okokuqala, umbolekisi uzohlola indlu yezwe ukuthi ihlala kuyo yini. Uma kungukuphela kwekhaya lomuntu obolekayo, akunakwenzeka ukuthi indlu enjalo ibe yisibambiso.
Okubalulekile! Ngokuya ngomthetho waseRussia, okweletisayo awukwazi amangalele obolekayo ngokuthenga izindlu nomhlaba uma engenayo enye indawo yokuhlala.
Kuneminye imigomo indlu yezwe okufanele ihlangabezane nayo ukuze ibe yisibambiso:
- indawo ensimini yezinhlelo zombolekisi;
- indlu isesimweni esingeyona esiphuthumayo, ayikwazi ukudilizwa, ayidingi ukulungiswa okukhulu;
- ubunzima bungavela uma impahla yakhiwe ngokhuni, inezitezi zokhuni;
- isisekelo kumele sibe ngofeleba - senziwe ngamatshe, ukhonkolo oqinisiwe noma isitini;
- indlu kumele ibe nawo wonke amafasitela, iminyango nezindonga, uphahla kumele lungabi nakonakala.
Kubalulekile futhi, ukuze indawo yomhlaba eyakhiwe kuyo indlu ingeyomboleki. Ubunikazi kumele bubhaliswe ngokuhambisana nomthetho.
Hlola ukuthi ngabe kunohlelo olusha lwakamuva lwe-cadastral. Umhlaba kufanele ubekwe ngaphakathi kwendawo yokuhlala.
Ake sigxile kokunye okudingekayo kwezindlu zebheyili.
Isidingo 1. Indlu yezwe ingeyomboleki ngokugcwele
Uma indlu yezwe ingeyabanikazi abaningana ngasikhathi sinye, akunakwenzeka ukuthi ibhange liyamukele njengesibambiso. Izikhungo zezikweletu zidinga lokho 100% izindlu nezakhiwo zazingezokwebolekayo.
Kwezinye izimo, amabhange avuma ukukhipha imalimboleko evikelwe yindlu yezwe, ngisho uma enabanikazi abaningi. Kodwa-ke, kuleli cala, obolekayo kuzodingeka athole imvume ebhaliwe kubanikazi bonke ukudlulisa impahla njengesibambiso.
Isidingo 2. Ayikho imikhawulo emalungelweni okulahla indlu yezwe
Amabhange anesibopho sokubheka impahla ukuthi ayikhonji yini. Indlu yezwe akufanele iboshwe, ibheyili, ibe ngeyomunye umuntu onelungelo lokusebenzisa mahhala.
Omunye umbandela obalulekile ukungabibikho kwamacala ngamalungelo endlu yezwe.
Ukuba khona kwezingxabano zomthetho ngendlu noma umhlaba kuholela ekwenqabeni ukwamukela izindlu nomhlaba njengezokuphepha.Uma othile efake isimangalo sokuqashelwa kwempahla yakhe yangempela njengomnikazi noma yokwabiwa kabusha kwamasheya, ukuze udlulise indlu njengesibambiso, kuzofanela ulinde kuze kuphele icala.
Okufanayo kusebenza nomhlaba lapho indlu yakhelwe khona. Indlu engenaso isiza ayibanjiswa.
Ukuvinjelwa kwamalungelo okulahla indlu kungabekwa lapho kutholakala ngaphakathi kuvikelwe futhi izindawo zokuvikela amanzi... Ngokwemvelo, kulokhu, idiphozi ngeke yamukelwe.
Isidingo 3. Ukutholakala kokuxhumana
Ukuxhumana okudingekayo kufanele kuxhunywe endlini yezwe - ugesi, ukuhlinzekwa ngamanzi, ukushisa... Kubalulekile ukuthi basebenze kahle futhi bangahlinzeka ngokuphepha.
Amanye amabhange avumela ukuxhumana okungaxhunyiwe ku-inthanethi - Ukushisa kusuka kuma-boilers, amathangi we-septic, isitshalo samandla kudizili... Kodwa-ke, iningi labo alizemukeli izindlu njengezibambiso uma indlu yokugezela itholakala ngaphandle.
Kuyafaneleka ukuhlaziya kusengaphambili indlu yezwe ukuze ihambisane nezidingo. Ngenxa yalokhu, ukwenqaba ukwamukela njengesibambiso ngeke kusimangaze.
Izigaba ezisemqoka zokuthola imalimboleko evikelwe yindlu yezwe enendawo yomhlaba
3.2. Ungayithola kanjani imalimboleko ekhaya - imiyalo ngezinyathelo ezi-5
Ukuthola imali mboleko akuyona inqubo elula. Isimo siba nzima kakhulu uma kunikezwa ezokuphepha Ikhaya leholide... Ezakhamuzini ezingaqeqeshiwe, inqubo ingathatha isikhathi esiningi - kusuka emasontweni amaningana kuya ezinyangeni eziningana.
Kuyasiza ukwenza lula ukwenziwa kwemali mboleko imiyalo yesinyathelo ngesinyathelolakhiwa ochwepheshe.
Isigaba 1. Ukuthola ibhange elifanele
Inani elikhulu lezikhungo zezikweletu lisebenza emakethe yezimali yaseRussia. Ukukhethwa okubanzi emadolobheni amakhulu. Abahlali bezindawo ezincane zokuhlala kuzofanele baneliswe yizinketho ezitholakalayo.
Kubalulekile ukuqonda ukuthi ukukhetha okwenziwe kuzoba nomthelela esimweni sezezimali somboleki iminyaka eminingana. Ngakho-ke, kufanelekile ukucabangela lesi sigaba. njengoba sina ngangokunokwenzeka.
Uhlangothi olulodwa, maqondana nomncintiswano onamandla ukuze uhehe amakhasimende, amabhange amancane ezifunda enza izinhlelo ezinamagama amahle.
Ngomunye - amathuba okuqothuka kwalezi zikhungo zesikweletu maningi ngenhla⇑. Lokhu kuholela ezinkingeni ezinkulu, ngoba noma kunjalo kuzofanele ukhokhe imalimboleko, kepha kulokhu uye kwelinye ibhange. Lesi simo singaholela ezindlekweni ezingeziwe ngendlela yemali yokudlulisa.
Konke okungenhla kuyaphinda futhi kuyasiqinisekisa isidingo sendlela ebucayi yokukhetha ibhange.
Ngenqubo yokukhetha isikhungo sesikweletu, kufanele unake lezi zici ezilandelayo:
- Ukuthembeka kwebhange, okuyinto ebonakala ngokutholakala kwezinkomba zokusebenza. Uma yonke imibiko yezezimali itholakala esidlangalaleni, inkampani ayinakho okufihlayo.
- Ukubuyekezwa kwangempela. Okokuqala, kufanele uthembe umbono wabantu bangempela - abangani nabantu obajwayele. Ukubuyekezwa kwi-Intanethi kufanele kuphathwe ngokugxeka ngangokunokwenzeka, ngoba ezinye zazo (zombili zimbi futhi zizinhle) ziyaliwe.
- Isilinganiso - ukulinganisela okunikezwe ibhange ama-ejensi akhethekile. ERussia, ethandwa kakhulu yi- RA "Ingcweti".
- Uhlu olunikezwa ngezinsizakalo zokuqhathanisa amabhange. Bakusiza ukuthi ukhethe inhlangano enohlelo olufanele lwemalimboleko. ERussia, amasayithi athandwa kakhulu yiwo Qhathanisa.ru futhi Amabhange.ru.
Ochwepheshe batusa funda futhi izindaba ebhange lapho kuhlelwa khona ukubambisana. Akufanele uthathe imalimboleko evikelwe yindlu yezwe ezikhungweni zezikweletu okwamanje ezibandakanya ukuhlela kabusha noma ukuguqula abanikazi.
Isigaba 2. Ukuhlaziywa kwezimo ezihlongozwayo zemalimboleko evikelwe yindlu nokukhethwa kohlelo olulungile
Imvamisa, lapho ukhetha ibhange, obolekayo wenza uhlu lwezinhlangano ezikweletwayo ezikhethiwe, ezibandakanya izinto eziningana. Ukukhetha ukhetho oluhle kakhulu kubo, kufanele uqhathanise imigomo yemalimboleko enikezwa yibo.
Ngokuhlaziya izinhlelo, kubalulekile ukunaka ngezimo zabo eziyisisekelo: isikhathi, inani, futhi izidingo zomboleki nesibambiso. Kulokhu, ukukhetha kufanele kuwele kuhlelo olulungele isimo esithile.
Isigaba 3. Ukulungiswa kwephakeji lemibhalo nokuhlolwa kwendlu yezwe
Ukulungiswa kwemibhalo kuyinkqubo ende. Ngakho-ke, ochwepheshe bayeluleka ukuwaqoqa ngokuya ngohlu olukhona ngaphambi kwesikhathi.Uma ibhange lingakakhethwa futhi kungaziwa kahle ukuthi yini efakiwe kuphakheji ephelele yamadokhumenti, ungaqala uzilungiselele lezo ezidingeka kubo bonke ababolekisi.
Lapho ufaka isicelo semalimboleko evikelwe yindlu yezwe, udinga ukuqoqa 2 uhlu lwemibhalo – kombolekayo futhi ngendaba yesibambiso.
Ngokusho kohlu lokuqala nakanjani kudingeka ipasipoti... Ezimweni eziningi, amabhange nawo ayacelwa ukuthi ethule idokhumenti yesibiliukukhomba umuntu. Zonke ezinye izinto zohlu zincike ohlelweni olukhethiwe. Ngakho-ke, uma udinga ukuqinisekisa imali engenayo, udinga izitifiketi ezifanele. Amabhange amaningi angahle adinge ikhophi yerekhodi lokuqashwa.
Indlu yezwe kuzofanela uyilungiselele:
- isitifiketi esiqinisekisa ubunikazi, noma okukhishwe ku-USRR;
- idokhumende lapho kutholakale khona ilungelo lobunikazi;
- uhlelo lwe-cadastral;
- ipasipoti yezobuchwepheshe;
- isitifiketi esisho ukuthi azikho izikweletu zezikweletu zomsebenzi;
- amadokhumende wobunikazi besiqephu somhlaba.
Uma indlu yezwe ingeyabanikazi abaningi ngasikhathi sinye, ibhange lizodinga imvume yabo bonke abanikazi ukudlulisa impahla njengesibambiso.
Esigabeni esifanayo, ukuhlolwa kwendlu yezwe... Inani lemali mboleko elingaba khona kakhulu lincike kunani eliboniswe embikweni. Amabhange amaningi adinga ukuthi ukuhlolwa kwenziwe yinkampani esohlwini. Noma kunjalo, lokhu akuzuzisi ngaso sonke isikhathi.
Abanye abahloli abangene esivumelwaneni nebhange babukela phansi ngamabomu inani lempahla ekhonjiswe embikweni. Kungakho kunenzuzo enkulu kumboleki uku-oda umbiko yedwa enkampanini ezimele.
Inqubo yokuhlola ifaka ukuhlolwa komzimba wendlu yezwe, lapho kwenziwa lo msebenzi olandelayo:
- incazelo eningiliziwe yeziphambeko ezifihlekile nezisobala endlini;
- ukuhlolwa kwesiza lapho indlu yakhelwe khona kwenziwa khona ukuze kube khona ukuguguleka kanye nokwehluleka kwenhlabathi, kanye nezinye izinkinga;
- ukuhlolwa kwezakhiwo, uphahla, amawindi, izindonga neminyango;
- ukuhlaziywa kwezokuxhumana.
Ngokuya ngemiphumela yokuhlola, kubhalwa umbiko, lapho kubalwa khona izindleko zendlu yezwe, ngokuya ngamaphutha akhonjisiwe. Izinga lezokuphepha nalo linomthelela omkhulu enanini lokukhokha.
Isigaba 4. Kusayinwa inkontileka
Ngokuya ngemiphumela yokutadisha amadokhumende afakiwe, kanye nombiko wenkampani yokuhlola, ibhange lithatha isinqumo. Igama lokucatshangelwa kwesicelo yizikhungo zezikweletu lihlukile - kungathatha kusuka ezinsukwini ezimbalwa kuye emavikini ambalwa.
Kepha noma ngabe ibhange lenza isinqumo esihle, kusesekuseni kakhulu ukugubha ukunqoba. Esinye isigaba esibalulekile siyeza - ukusayinwa kwesivumelwano semalimboleko.
Okubalulekile! Ngeshwa, kuze kube manje akubona bonke ababoleki abafunda ngokucophelela izivumelwano ezisayiniwe... Ezimweni eziningi, yilokhu okuholela ezinkingeni zemalimboleko.
Kufanele unake kakhulu amaphuzu alandelayo esivumelwano semalimboleko:
- izimo eziyisisekelo - isilinganiso, isikhathi, inani - kufanele kuhambisane nalezo ezikhonjiswe ekunikezelweni;
- ukutholakala kanye nosayizi wamakhomishini okwenziwe ngokwezezimali okuhlukahlukene;
- izindlela zokwenza izinkokhelo zanyanga zonke, isikhathi sokuthola imali;
- ngaphansi kwaziphi izimo okwenziwa ngaphambi kwesikhathi okugcwele futhi okuyingxenye;
- amalungelo omboleki njengomnikazi wendlu yezwe.
Akuwona wonke umuntu obolekayo oqonda yonke imigomo yesivumelwano semalimboleko. Kulokhu, kufanele ucele ukucaciselwa kubasebenzi basebhange.
Ngaphezu kwalokho, ungafuna ushintsho ezigabeni ezithile zesivumelwano. Ungabethembi abasebenzi abathi lesi sivumelwano siwumkhuba ojwayelekile.
Isigaba 5. Ukuthola imali nokubuyiselwa kwemali mboleko okulandelayo
Ezimweni eziningi, amabhange anamuhla akhipha izimali zemalimboleko ngokudluliswa kwentambo ku Umphumela noma imephu... Kulokhu, kufanele ucacise ukuthi kuzoba khona imali yokuhoxa.
Isinyathelo esilandelayo ukukhokha isikweletu. Kwenziwa ngokuya ngeshejuli, okuyingxenye ebalulekile yesivumelwano.
Kuyafaneleka ukucatshangelwa! Izinkokhelo kufanele zenziwe ngesikhathi futhi ngokugcwele. Ungakhohlwa ukuthi ukungalandelwa kwalo mthetho kuholela ekwandeni kwenhlawulo.
Uma ulandela ngokuqinile imiyalo engenhla, ungonga isikhathi esiningi. Lokhu kubaluleke kakhulu uma imali idingeka ngokushesha okukhulu.
3.3. Ungayitholaphi imalimboleko evikelwe yindlu yezwe - amabhange ama-3 awaziwayo
Uma ufuna ukuthola imali mboleko, kubalulekile ukuxhumanisa izinhloso zomboleki nohlelo olukhethiwe. Uma udinga inani elincane, akulungile ukuboleka imali ngebheyili bese ubeka engcupheni indlu yakho yezwe. Kulokhu, ungasebenzisa ngokunenzuzo ukunikezwa kwemali mboleko yabathengi noma amakhadi wesikweletu.
Ochwepheshe bahlaziya njalo amabhange ahlinzeka ngezinhlelo ezinhle kakhulu. Omunye wabo uvezwe ngezansi.
1) I-VTB Bank yaseMoscow
Lapha ungathola kuze kufinyelele ezigidini ezi-3 kwelinye lamanani amahle kakhulu emakethe - kusuka ku-13.5% minyaka yonke. Kepha leli zinga nalo alincane. Izaphulelo zinikezwa labo asebethathe umhlalaphansi, kanye nabasebenzi bezokwelapha, othisha, abomthetho.
Ukuthola isinqumo sokuqala, ungagcwalisa isicelo kuwebhusayithi yebhange. Kakade for 15 imizuzu izophendulwa. Osekusele nje ukuvakashela igatsha lasebhange namaphepha okuqala. Kuzofanele ukhokhe isikweletu ngesikhathi 3 iminyaka.
2) I-Sovcombank
Sovcombank - inhlangano yezikweletu enikela ngemali mboleko enenzuzo evikelekile ngokuthengiswa kwezindlu, kufaka phakathi indlu yezwe. Ibhange alidingi imibhalo evela kumakhasimende ukuqinisekisa imali engenayo yenyanga.
Futhi (+) isikhungo sezezikweletu sinobubanzi obuhlukahlukene beminyaka yamakhasimende angaba khona - izakhamizi zingathola imali mboleko kusuka 20 ngaphambi 85 iminyaka.
Uma uthatha isinqumo sokubolekwa imali yindlu, ungathembela enanini kusuka 300 inkulungwane kuya 30 ama-ruble ayisigidi... Ngokwemvelo, ngeke kwenzeke ukuthola inani eligcwele lesakhiwo. Ibhange lizokhipha engekho ngaphezu kwama-60% inani elihloliwe.
Izinga lohlelo olubhekwayo lisethwe ezingeni 18,9% minyaka yonke. Kodwa-ke, amakhasimende asethathe umhlalaphansi kanye namaholo angalindela isaphulelo. Kuzodingeka ukukhokha isikweletu ngaphakathi 10 iminyaka.
3) I-Alfa-Bank
I-Alfa-Bank inikeza amakhasimende ayo imalimboleko yabathengi enenzuzo namakhadi esikweletu. Isigaba sesibili sithandwa kakhulu.
Ibhange linikela ngemikhawulo emikhulu yamakhadi wesikweletu, efinyelela 1 ruble ayisigidi... Ngaphezu kwalokho, uma kungenzeka ukubuyisa izimali ngesikhathi somusa sesikhathi ngaphambi 100 izinsuku, ngeke kudingeke ukhokhe inzalo.
Ungafaka isicelo sekhadi lesikweletu egatsheni lasebhange nakuwebhusayithi. Ukufaka imininingwane kuhlu lwemibuzo uzodinga kungadluli imizuzu eyi-10, isinqumo ngokuvamile sithathwa ngokushesha okukhulu. Uma ibhange livuma isicelo, umboleki kumele avakashele ihhovisi athole ikhadi.
Kubalulekile plus (+) I-Alfa-Bank abameli inani elikhulu lama-ATM namagatshalapho ungakhokha khona. Ngaphezu kwalokho, isikhungo sokubolekisa sinikeza okulula insiza ye-inthanethi futhi uhlelo lokusebenza lweselula... Amahhovisi asebhange avulwa kuze kube ngu-9 ebusuku.
Ngokwesiko, ukwenza lula ukuqhathaniswa kwezimo zokubolekwa emabhange abhekiwe, sizifingqe etafuleni.
Ithebula lamabhange angu-TOP-3, izimo zawo kanye nezici zokubolekisa:
| Obolekayo | Inani eliphakeme lemalimboleko | Izinga lenzalo | Izici zezinhlelo zokubolekisa |
| I-VTB Bank yaseMoscow | Ama-ruble angu-3 000 000 | Kusuka ku-13.5% ngonyaka | Izaphulelo zitholakala kubantu abathathe umhlalaphansi, abasebenzi bezempilo, ezemfundo kanye nabomthetho |
| Sovcombank | Ama-ruble angama-30,000,000 | Kusuka ku-18.5% ngonyaka | Imali mboleko enenzuzo evikelwe izindlu zezwe |
| I-Alfa Bank | Ngekhadi - ama-ruble ayi-1 000,000 wemalimboleko yabathengi - ama-ruble ayi-3,000,000 | Ngamakhadi avela ku-14.5% Wemali mboleko evela ku-23% ngonyaka | Imali mboleko enkulu - izinsuku eziyi-100 |
4. Kungenzeka yini ukuthatha imalimboleko (imalimboleko) evikelwe yisiqephu somhlaba ngaphandle kobufakazi bemali engenayo 💸
Endaweni yokuncintisana kakhulu, izikhungo eziningi zezikweletu zinikela ngokuthola imali mboleko ngaphandle kobufakazi bemali engenayo. Amathuba esinqumo esihle azokwanda uma unikela ngempahla ebizayo njengesibambiso, isib indawo yomhlaba.
Uma singekho isifiso sokuqoqa izitatimende zemali engenayo, okokuqala, kufanelekile ukuxhumana nebhange lapho umboleki athola khona inkokhelo. Kulokhu, okweletwayo ubona inani lemali engenayo etholwe ngaphandle kwemibhalo esekelayo.
Uma ngasizathu simbe kungenzeki ukuthi uthole imali mboleko ebhange eliholayo, kuzofanela ufune omunye umbolekisi. Kodwa-ke, kufanele ulilungele iqiniso lokuthi imibandela yemalimboleko izobe ingavumi kangako.
Phakathi kwamabhange athandwa kakhulu akhipha imali ebolekwe umhlaba ngaphandle kwesitifiketi semali, kukhona I-Sberbank futhi URosselkhozbank... Kodwa-ke, banikela kuphela ngalolu hlelo kumakhasimende akhokhelwayo.
4 amathiphu awusizo wokuthi ungakugwema kanjani ukukhohlisa nenkohliso lapho ubhalisa iziza zomhlaba kanye nezindlu zezwe njengesibambiso
5. Ungakugwema kanjani ukuba yisisulu semikhonyovu yezikweletu - iseluleko sochwepheshe 💎
Ukuboleka kuyindawo ehambisana nemali enkulu. Ngasikhathi sinye, ingcebo yasedolobheni yasedolobheni iyimpahla ebizayo, inani layo elingenakwenzeka ukuthi lehle njalo. Yingakho ukuboleka ukuvikeleka kwezinto ezinjalo kudonsela inani elikhulu labakhohlisi.
Okubalulekile! Obolekayo kufanele aqaphele ngangokunokwenzeka, ukuze angalahlekelwa yimali nempahla yakhe.
Ngezansi kunamanye amathiphu okufanele uwalandele ukugwema ukuxhashazwa ngabakhwabanisi.
Iseluleko 1. Boleka imali mboleko kuphela kubabolekisi abathembekile
Akufanele uthinte izinkampani okungekho lutho okwaziwayo ngazo, noma ngabe zinikeza amagama amahle kakhulu. Ezimweni eziningi, izinhlelo ezinjalo ziba yizo akukho okungaphezu kokukhohlisa.
Inketho ekahle yokuthola imalimboleko ngamabhange amakhulu kahulumeni. Yize ziqinile kakhulu, zinikela ngamanani amaphakathi. Ngaphezu kwalokho, ngokubambisana namabhange anjalo, ingozi incane.
Ithiphu 2. Funda ngokucophelela isivumelwano semalimboleko
Ochwepheshe abakhathali ukuphinda – ngaphambi kokusayina isivumelwano semalimboleko, kubalulekile ukusifunda ngokucophelela. Uma ezinye izigaba zesivumelwano zingahambisani nomboleki, unelungelo lokufuna ushintsho.
Amabhange avamise ukwenza imali ngokungaqondi kahle kwamakhasimende ngezigaba zesivumelwano. Kodwa-ke, ezinye izinhlobo zababolekisi maningi amathuba okufaka izingibe ezivumelwaneni. Kubalulekile ukukhumbula ukuthi izimo ezithandeka kakhulu ekunikezelweni kwemali mboleko zingakhombisa ukungathembeki okuhle esikhungweni sezikweletu.
Konje, lapho ufunda inkontileka, kufanele uqiniseke ukuthi imibandela yemalimboleko echazwe kuyo ihlangabezana nokulindelwe ngumboleki. Imvamisa, ngenhloso yokukhangisa, ababolekisi babonisa imigomo yesikweletu evumayo kakhulu kunalokho okuyikho ngempela.
Ithiphu 3. Ungashiyi amadokhumenti ukuze uvikele ukukhokhwa kwesikweletu
Akufanele unikeze ukushiya amadokhumenti okuqala njengesibambiso semalimboleko. Okokuqala, lokhu kuthinta ipasipoti. Akufanele ishiyelwe ngisho nakubasebenzi basebhange.
Kubalulekile ukukhumbula, ukuze phakathi kwabasebenzi besikhungo sezikweletu kube khona abakhwabanisikanye neyabo ohambisana nabo... Iphasiphothi yasekuqaleni ivame ukusetshenziselwa ukuthola imalimboleko kumnikazi wayo.
Ithiphu 4. Ungadluliseli imali kubalamuli ngaphambi kokuthola imali mboleko
Inani labantu abahlinzeka ngosizo lokuthola imali mboleko liyakhula kwi-Intanethi. Baheha amaklayenti ngeminikelo enenzuzo, amawebhusayithi akhanyayo, ukukhangisa ngokwengqondo.
Eqinisweni, akunzima ukuhlukanisa abaphakathi bangempela nabakhwabanisi. Abakhwabanisi bafuna ukufaka imali ethe xaxa NGAPHAMBI uzohlinzekwa kanjani umsebenzi. Bathi bathole isinqumo esihle mayelana nesicelo, kepha ukuze bathole imali mboleko, kufanele bakhokhe ikhomishini... Ngokwemvelo, ngemuva kokudlulisa imali, iklayenti lizosala ngaphandle kwabo futhi ngaphandle kwemali mboleko.
Ukuze ugweme ukuba yisisulu sabakhwabanisi, kubalulekile ukukhetha umuntu ophakathi ngokucophelela. Ukwenza lokhu, kufanele uqiniseke ukuthi inkampani ibhaliswe ngokusemthethweni futhi inegama elihlanzekile. Ungabonisana futhi nommeli onolwazi, funda ukubuyekezwa kwamakhasimende.
Ukuba khona kwezindlu ezibizayo, isib, indawo yomhlaba noma indlu yezwe, kwandisa amathuba ↑ isinqumo esihle ngesicelo semalimboleko.
Kodwa-ke, kufanelekile ukuthola imali mboleko enjalo kuphela ezinkampanini ezethembekile, okuhle kunakho konke emabhange amakhulu. Lokhu kukuvumela ukuthi uqiniseke ukuthi umboleki ngeke alahlekelwe yimali nempahla.
Ekugcineni, sikweluleka ukuthi ubuke ividiyo mayelana nokuthi yini abakwa-scammers abangayenza lapho bethola idatha yakho yepasipoti:
Konke lokho okwethu. Ithimba le-Ideas for Life lifisela wonke umuntu inhlanhla ezindabeni zezezimali. Uma kufanele uphendukele kubakweletisi ukuze uthole imali, makube yizinhlelo ezinenzuzo enkulu kuphela.
Ungakhohlwa ukushiya ukuphawula kwakho, ukuphawula nokubuyekezwa kwakho, kanye nokwabelana ngezinto zokuxhumana nabantu bakho nabangane bakho. Kuze kube yisikhathi esilandelayo!