Imalimboleko evikelwe yifulethi ngo-2022

Kunezinganekwane eziningi mayelana nokubolekwa kwezindlu kuwebhu: besaba ukuthi ngale ndlela izikhungo zezezimali "zicindezela" ngokoqobo izindlu, futhi umklamo uyinkimbinkimbi kangangokuthi ababoleki abavamile ngaphandle kwemfundo yezomthetho noma yezomnotho abakwazi ukuyiqonda.

Impela, njengayo yonke into ehlobene nezezimali, imali mboleko etholwe yifulethi ihlala iyindawo enamandla enama-nuances amaningi. Uma ungazi ukuthi izikweletu ezinjalo zisebenza kanjani, ungangena esiphethweni sezezimali. Sizokhuluma ngemibandela yokuthola imali ebolekiwe evikelwe yifulethi ngo-2022, amabhange ayikhiphayo futhi sikhulume nochwepheshe mayelana nokuthi amaklayenti angakuthola kanjani ukugunyazwa.

Iyini i-mortgage loan

I-home loan iyimalimboleko umboleki ayinika obolekayo ngenzalo. Izibopho zomboleki ngemali mboleko enjalo zisekelwa yi-mortgage yefulethini.

Ulwazi oluwusizo mayelana nokubolekwa kwezindlu

*Izilinganiso ezimaphakathi zekota yesi-II ka-2022 zibonisiwe

Lapho iklayenti lifaka isicelo ebhange ngesicelo semali mboleko, isikhungo sezezimali (ngendlela, angeke kube yibhange kuphela!) Kubheka ukuthi kungakanani futhi ngaphansi kwaziphi izimo umboleki adinga. Indlela elula neshesha kakhulu yokuthola ikhadi lesikweletu. Kodwa i-minus yomkhiqizo inani elincane lemali mboleko kanye nesidingo sokubuyisela ngokushesha isikweletu, ngaphandle kwalokho inzalo izoqala ukuconsa.

Ungaphendukela kwimalimboleko yakudala. Yonke imali ikhishwa ngokushesha, futhi uyibuyisela ngezitolimende nyanga zonke. Nokho, ukuze unikeze iklayenti imali, ibhange kufanele liqiniseke ngokwethembeka kwalo. Ngakho-ke, angase afune ukuthi ulethe isitifiketi semali engenayo, uthole ama-guarantors, ama-co-borrowers, njalonjalo.

Ungabonisa ukwethembeka kwakho ngokunikela ngesakhiwo njengesibambiso. Ngokwesibonelo, ifulethi. Lolu hlobo lwezindlu ezithengiswayo lufunwa kakhulu emkhakheni wokubolekwa okuvikelekile. Ibheyili iyisinyathelo sokuvikela. Okusho ukuthi, umbolekisi, njengokungathi, uyaziqinisekisa ngokumelene nokungakhokhwa kwemali mboleko yiklayenti.

Uma imali ebolekiwe ingabuyiselwa, ibhange noma esinye isikhungo sezezimali sizovala ngaphansi kwemithetho ye-Federation ngokusebenzisa inkantolo, emva kwalokho ifulethi lizofakwa endalini. Ukulahlekelwa yindlu yakho okuwukuphela kwayo kuyethusa. Kodwa uma usebenzisana nombolekisi oqotho, ngeke akwazi ukuthengisa indlu yomboleki. Lapha umthetho uvikela izithakazelo zabo bobabili umbolekisi kanye nomuntu. Ngaphezu kwalokho, kunenzuzo kumbolekisi ukuthi umuntu aqhubeke ekhokha, khona-ke ngeke kudingeke abhekane nezinqubo zomthetho kanye nokubuyisela.

Isibambiso sibhaliswe kumadokhumenti e-Rosreestr - lo mnyango ugcina amarekhodi ezindawo ezithengiswayo Ezweni Lethu. Ifulethi elinjalo ngeke lidayiswe ngaphandle kwemvume yombolekisi. Ngesikhathi esifanayo, akekho oxosha umnikazi, inqobo nje uma ekhokha imali ngesikhathi.

Izinzuzo zokuthola imali mboleko yezindlu

Isikhathi eside. Imalimboleko evamile inikezwa ngokwesilinganiso iminyaka engu-3-5. Imali mboleko etholwe yifulethi ingabuyiselwa iminyaka engama-25 uma ibhange livumelana nalesi simo.

Izimfuneko ezincishisiwe zesithombe somboleki. Ngaphambi kokukhipha imali ebolekiwe, isikhungo sezezimali senza amaphuzu ekhasimende elingase libe khona, okungukuthi, sihlaziya i-solvency yayo. Kubheka ukuthi zikhona yini izikweletu ku-database yama-bailiffs (FSSP), imali mboleko engakhokhelwa, ukuthi ngabe kukhona yini ukubambezeleka kwangaphambili kwezikweletu, noma kukhona ukuqashwa okusemthethweni. Noma yiziphi zalezi zici zinomthelela omubi kumphumela wamaphuzu. Isibambiso sefulethi singanciphisa okunye kokubi, futhi ngenxa yalokho sandise ithuba lokugunyazwa.

Inani lemalimboleko engaba khona lingaphezulu. Umbolekisi uzifakele umshwalense wokungakhokhi futhi angagunyaza inani lemalimboleko elikhudlwana kunangaphandle kwesibambiso.

Ukuhlela kabusha kanye nokuxhasa kabusha izikweletu zabo. Cabanga ukuthi umboleki uqongelele izibopho eziningi emabhange ahlukahlukene nakwabanye ababolekisi. Angathatha inani elikhulu, akhokhe zonke izikweletu futhi akhokhe ngokuthula eyodwa kuphela.

Ungaqhubeka nokuhlala efulethini. Yenza ukulungisa lapho (into eyinhloko ukwenza ngaphandle kokuthuthukiswa kabusha okungekho emthethweni), bhalisa abaqashi noma uyiqashise. Kodwa abanye ababolekisi bayakwenqabela ukulethwa kwezindlu.

Nganoma iyiphi injongo. Umabolekisi ngeke akubuze ukuthi uyidinga ngani imali.

Izinga elingezansi. Ngokwesilinganiso, ngo-4% kunemalimboleko engenasibambiso.

Ububi bokuthola imali ebolekiwe etholwe yifulethi

Izindleko ezengeziwe. Le mali ebolekiwe iza nezindleko. Okokuqala, ukuze kuhlolwe izindlu. Kunezinhlangano ezikhethekile ezihlanganisa ama-albhamu okuhlola. Bathumela uchwepheshe, ahlole futhi athwebule igceke, indlu, indawo yokungena, ifulethi. Ngenxa yalokho, inquma izindleko zezindlu. Isevisi ibiza ama-ruble angu-5-000. Izindleko zesibili ezomshwalense wezinto. Umbolekisi kufanele aqiniseke ukuthi akukho okuzokwenzeka esibambiso.

Awukwazi ukuthengiswa mahhala. Isibambiso asivumeli umnikazi ukuba alahle ngokuphelele indlu, ukuze umboleki angadayisi ngokuzumayo indlu ngesikhathi esisodwa ngaphandle kwemvume yebhange. Amabhange ayanqikaza ukuvuma ukudayiswa, ngaphansi kombandela wokuthi imali yokudayiswa izosetshenziselwa ukukhokha ngokushesha isikweletu.

Ungalahlekelwa ikhaya lakho. Uma leli kuyindawo yakho kuphela futhi uhlala wedwa, khona-ke wonke umthwalo wemfanelo uphezu kwakho. Kodwa uma unomndeni, izihlobo, futhi ungakwazi ukukhokha imali oyibolekile, kuzodingeka ufune indawo yokuhlala yesikhashana.

Intengo yefulethi ayilingani nenani lemalimboleko. Imali mboleko izonikeza inani eliphakeme lama-80% yenani lezindlu nezakhiwo, inqobo nje uma uhlinzeka ngezitatimende zemali engenayo, ababoleka ngokubambisana, ama-guarantors, nokunye. Umbolekisi ufuna ukuqiniseka ukuthi uma kwenzeka i-force majeure uzokwazi ukuthengisa ngokushesha into ukuze abuyisele izindleko zakhe.

Izikhathi zokucubungula ezinwetshiwe. Ngokwesilinganiso, kusukela emavikini amabili kuya enyangeni eyodwa.

Imibandela yokuthola imali ebolekiwe evikelwe yifulethi

Izidingo zomboleki

Ubudala 18-65 iminyaka. Ababolekisi bangashintsha umkhawulo ongaphezulu nophansi. Abantu abangaphansi kweminyaka engama-21 abavamile ukubolekwa imali enkulu.

Ubuzwe be-Federation kanye nokubhaliswa, okungukuthi ukubhaliswa. Abezinye izizwe nabo bayabhekwa, kodwa hhayi wonke amabhange.

Indawo ehlala njalo yokusebenza kanye nemali engenayo yezinyanga ezi-3-6 zokugcina. Hhayi impoqo, kodwa efiselekayo. Uma kungenjalo, izinga lizoba phezulu.

Impahla Izidingo

Amafulethi awacatshangelwa: 

• ezindlini eziphuthumayo;
• okungezona ezizimele;
• phakathi kwabanikazi kukhona abancane noma abakhubazekile;
• avela ecaleni elivuliwe lobugebengu noma okuyindaba yengxabano enkantolo.

Izinto okufanele ziqashwe:

• kuyakhiwa;
• izindlu ezizolungiswa;
• amasheya efulethini;
• amakamelo efulethini lomphakathi;
• izindlu ezindala (ezinezitezi zokhuni);
• uboshiwe;
• asebanjisiwe kakade, isibonelo, ngaphansi kwe-mortgage;
• uma izingane kubhaliswa, phakathi kwabanikazi kukhona labo abaye enkonzweni yezempi noma ababoshiwe;
• ifulethi lisanda kutholwa njengefa;
• indlu ifakwe ohlwini lwamagugu amasiko;
• Ifulethi e-ZATO (amadolobha avaliwe e-Federation, lapho kungena ngamaphasi).

Amafulethi, izakhiwo zokuhlala, izindlu zasemadolobheni zithathwa ngokuzithandela, kodwa indawo ethengiswayo yokuhweba itholakala ngokubona kwebhange.

Ifulethi kufanele libe nokufudumeza, ukuhlinzekwa kwamanzi, ugesi. Amanye amabhange abeka umbandela endlini. Isibonelo, kufanele okungenani ibe namafulethi amane nezitezi ezimbili.

– Ifulethi kumele libe wuketshezi futhi libe sedolobheni noma edolobhaneni eliseduze nedolobha. Lokhu kuyadingeka ukuze uhlole ngokunembile indlu, futhi uma kunesidingo, yithengise ngokushesha. Ngakho-ke, amafulethi asezindaweni ezikude namadolobha awadingi kakhulu, okusho ukuthi umbolekisi ubeka engcupheni yokungabuyisi imali yakhe ngesikhathi esilindelekile, uchaza izidingo zezindlu ezithengiswayo. Elvira Glukhova, uMqondisi Jikelele wenkampani "Capital Center for Financing".

Ungayithola kanjani imali mboleko evikelwe yifulethi

1. Nquma ngombolekisi

Futhi uhambise isicelo ebhange noma esikhungweni sezezimali ukuze sicatshangelwe. Kulesi sigaba, kwanele ukukhombisa igama eligcwele, ukhulume inani lemalimboleko oyifunayo kanye nokulungela ukuhlinzeka ngefulethi ngebheyili. Isicelo singathunyelwa ngocingo, kusizindalwazi (uma ithuba elinjalo linikezwa) noma mathupha ukuza egatsheni.

Amabhange, ngokwesilinganiso, phakathi namahora amabili, aphendula ukuthi isicelo sakho sivunywe kusengaphambili noma amemezela ukwenqaba.

2. Qoqa imibhalo

Uma isicelo sakho sesivunyiwe, ukuze uthole imvume yokugcina, uzodinga:

• ikhophi yepasipoti ngokubhaliswa;
• abanye ababolekisi bacela idokhumenti yesibili. Isibonelo, i-TIN, i-SNILS, ipasipoti, ilayisense yokushayela, i-ID yezempi;
• amadokhumenti efulethini. Kufanele bakhombise ukuthi ungumnikazi. Inkontileka yokuthengisa, i-extract evela ku-USRN izokwenza (indlela elula ukuyi-oda kuwebhusayithi ye-Federal Cadastral Chamber ngama-ruble angu-290 noma iphepha elilodwa ku-MFC ngama-ruble angu-390). Uma uthola indlu ngesinqumo senkantolo noma ngefa, udinga amaphepha afanele;
• isitifiketi semali engenayo 2-intela yomuntu siqu evela endaweni yokusebenza - ngokubona kwakho, yandisa amathuba okuvunyelwa kanye nenani eliphakeme;
• imibhalo yababoleka ngokubambisana. Ngokomthetho, ababoleka ngokubambisana kuzoba abanye abanikazi bamafulethi (uma bekhona) noma umlingani wakho womshado. Uma wenze inkontileka yomshado ne-notary, ngokusho ukuthi umlingani (a) akakwazi ukulahla indlu, bese uletha idokhumenti. Uma oshade naye engafuni ukuba umboleki, kuzodingeka futhi usayine amaphepha mayelana nalokhu nommeli.
• isiphetho esivela enkampanini yomshuwalense mayelana nokulungela ukufaka umshwalense wefulethi kanye ne-albhamu evela enkampanini yokuhlola, ekhombisa intengo yendawo. Sicela wazi ukuthi ezinye izikhungo zezezimali zisebenza kuphela nabahloli kanye nezinkampani zomshwalense ezigunyazwe yibona.

3. Linda isinqumo somboleki

Amabhange acubungula imibhalo kusukela ezinsukwini ezintathu kuya enyangeni eyodwa. Yiqiniso, wonke umuntu uzama ukusheshisa inqubo futhi enze konke ngesikhathi esifushane, kodwa empeleni kungabambezeleka.

4. Bhalisa isibambiso

Imali mboleko igunyaziwe? Bese kuba nesinyathelo sokuqala ngaphambi kokuthola imali. Udinga ukuthola idiphozi yefulethi. Lokhu kwenziwa eRosreestr noma ku-MFC. Ngemva kwalokho, indlu ayikwazi ukuthengiswa ngokukhululekile ngaphandle kwemvume ye-mortgage.

Amanye amabhange asebenza ngenkuthalo ukufaka amadokhumenti kude ne-Rosreestr ukuze angachithi isikhathi ohambweni nasemigqeni. Ukuze wenze lokhu, udinga isignesha electronic, kubiza ruble 3000. Ezinye izikhungo zezezimali zikhokhela amaklayenti ngokwenza isiginesha enjalo.

5. Thola imali bese uqala ukukhokha imali oyibolekile

Imali idluliselwa ku-akhawunti yasebhange noma ikhishwe ngokheshi. Kufanele wazise kusenesikhathi ngesifiso sakho sokuthola ukheshi, njengoba inani elidingekayo lingase lingatholakali edeskini lemali. Kanye nesivumelwano semalimboleko, uhlelo lokukhokha lukhishwa. Inkokhelo yokuqala yemali mboleko ingase isivele isenyangeni yamanje.

Ikuphi indawo engcono kakhulu yokuthola imali mboleko yezindlu?

Amabhange

Babolekisa ngenkuthalo ngokuvikeleka kwefulethi. Ngesikhathi esifanayo, banemibandela eqinile yokugunyazwa kwemali mboleko, ngoba sikhuluma ngesakhiwo esikhulu sezimali. Izikhungo eziningi, zombili ezinkulu kanye nezasekhaya, zikulungele ukuthatha indawo yokuhlala njengesibambiso.

Ukufaneleka kokubolekwa kwemali ebhange ngenqubo yokufaka isicelo. Konke kungenziwa ngaphandle kokuvakashelana ubuso nobuso ehhovisi uma inhlangano isebenza ngale ndlela. Okusho ukuthi, shayela isikhungo sezingcingo noma ushiye isicelo kusayithi. Esimeni sokugunyazwa kwangaphambili, thumela amadokhumenti nge-imeyili kumphathi. Ezimweni ezingavamile, kungenzeka ukubhalisa idiphozi ku-inthanethi futhi uthole imali ekhadini. Nakuba kungenzeka ngendlela yakudala - njalo ukuza emnyangweni.

Izinzuzo kanye nokubi

Abatshalizimali

Ngo-2022, abatshalizimali - abantu ngabanye nezinkampani - bangakhipha imali mboleko evikelwe yifulethi kuphela ezinhlanganweni ezisemthethweni nosomabhizinisi ngabanye ukuze kuthuthukiswe ibhizinisi. Ngaphambili, baphinde basebenza nezakhamuzi ezivamile - abantu ngabanye. Kepha Ezweni Lethu kwakunezinhlekelele eziningi zomuntu siqu, lapho abantu “becindezelwa” ngokoqobo ezindlini ezinenzalo yokuqola kanye nemibandela yenkontileka. Ngakho-ke, akuvunyelwe ukuthi abatshalizimali baboleke ngokuvikeleka kwefulethi kubantu abazimele.

Izinzuzo kanye nokubi

Izindlela ezengeziwe

Phambilini, ama-pawnshops nezinhlangano zezezimali ezincane bezibolekisa ngokuvikeleka kwezindlu. Manje abavunyelwe ukwenza kanjalo. Kusele ama-CPC kuphela – amadlelandawonye omthengi wezikweletu.

Abahlanganyeli babo - abanikazi bamasheya - benza iminikelo emalini yabo "ebhodweni elivamile". Ukuze abanye abaninimasheya bakwazi ukuboleka imali ngale mali. Futhi kwinzalo abatshalizimali bayothola imali yabo engenayo. Uma ekuqaleni ama-CCP ayedalelwe izidingo zendilinga encane yabantu (izikhwama zenzuzo efanayo), manje sezisabalele futhi zivuleleke kumalungu amasha. Okokuqala, ukuze bakwazi ukuhlonishwa. Ama-CCP avunyelwe ukunikeza imali mboleko yezindlu.

Izinzuzo kanye nokubi

Ukubuyekezwa kochwepheshe ngemali mboleko evikelwe ifulethi

Sicele u-Elvira Glukhova, uchwepheshe wethu we-Capital Center of Financing, ukuthi asitshele kabanzi ngalo mkhiqizo.

“Imali ebolekiwe etholwa yizindlu ezithengiswayo ngokuyinhloko iyithuluzi. Futhi njenganoma iyiphi insimbi, inhle ngandlela thize, futhi imbi ngezindlela ezithile. Awuzibetheli izipikili nge-screwdriver, akunjalo? Okunengqondo kakhulu kungaba ukusebenzisa imali mboleko evikelwe yifulethi ezimweni ezimbili.

Ukukhokhwa kwezikweletu zamanje. Isibonelo, unezikweletu ezine zemali + amakhadi esikweletu amabili + ama-microloan ayisishiyagalombili. Izimo ezinjalo ziyenzeka ngempela empilweni, ayikho into ongaba namahloni ngayo. Iningi lamakhasimende ethu liza nale nkinga. Umlando wesikweletu ungena kwalasha, umuntu usengcupheni yokuqothuka ...

Uma uthatha imali ebolekiwe yokuqala bese uyikhokha, azikho izinkinga. Thatha owesibili, lokho kulungile futhi. Uthatha okwesithathu - kubonakala kubekezeleleka, kodwa ukugxuma okuncane emalini engenayo futhi wonke lo mthwalo womsebenzi uqala ukuba nomthelela. Kufanele ngikhiphe ukheshi ngokushesha kumakhadi esikweletu bese ngimkhokhela. Bese uya kuma-microloans ukuze ukhokhe amakhadi esikweletu. Sekuvele kuyindlela yokuya ndawo. 

Kodwa-ke, ungathatha imali ebolekiwe evikelwe ngendawo, wehlise inkokhelo izikhathi ezintathu kuya kwezine, welule imali mboleko iminyaka eyi-15 noma ngaphezulu. Futhi lokho kusho ukungena ohlelweni futhi ukhokhe ngomoya ophansi. Into esemqoka ukuthi ungabe usathatha imali mboleko, ngaphandle kwalokho sibuyela esimweni sangaphambilini, ifulethi kuphela elibanjisiwe.

Uma ungusomabhizinisi. Ibhizinisi elincane noma ubunikazi bodwa. Sidinga imali yokusebenza ngokushesha, isibonelo, ukuthengwa kwezimpahla. Uyaqonda ukuthi ezinyangeni eziyisithupha noma ngonyaka uzothengisa zonke izimpahla futhi ukwazi ukuvala imali mboleko, futhi inzuzo izokhokhela izindleko zenzalo yemalimboleko. Yiqiniso, kunengozi yokuthi izimpahla ngeke zithengwe noma kukhona okungahambi kahle. Kodwa uma uzethemba wena kanye nokuzibophezela kwakho, bese uthatha imalimboleko evikelwe yifulethi - lena yindlela enhle yokwenza inzuzo.

Kodwa uma ufuna ukuthatha imali ebolekiwe evikelwe yifulethi ukuze undize uye e-Dubai uyovakashela iholidi, futhi awazi ukuthi ungayikhokha kude kangakanani le mali, ungakuthathi noma kunjalo. Lena indlela eya ezikweletini.”

Imibuzo nezimpendulo ezidumile

Uphendula imibuzo Elvira Glukhova, uMqondisi Jikelele wenkampani "Capital Center for Financing".