Imalimboleko evikelwe yizindlu ezithengiswayo ngo-2022

Esihlokweni sethu, sizokhuluma ngohlobo oludumile lwemali mboleko - imali ebolekiwe evikelwe ngendawo yokuhlala. Ake sikhulume ngezimo ngo-2022, amabhange akhipha futhi axoxe ngalo mkhiqizo nochwepheshe.

Iyini imali mboleko yezindlu

Imali mboleko yezindlu nezindlu yimalimboleko umboleki ayinikeza umboleki ngenzalo, futhi uthatha indawo ethengiswayo njengesibambiso.

Ulwazi oluwusizo mayelana nokubolekwa kwezindlu ezithengiswayo

*Izilinganiso ezimaphakathi zekota yesi-II ka-2022 zibonisiwe

Ungacela imali ebolekiwe ebhange ngezimpikiswano ezihlukene ze-solvency yakho. Isibonelo, letha isitifiketi somholo esivela kumqashi (2-NDFL) noma uthole i-guarantor - umuntu othi, uma kwenzeka uhluleka ukukhokha, avume ukukhokha isikweletu. Lobu ubudlelwano obujwayelekile bezezimali: ibhange noma esinye isikhungo sezezimali sikwethemba ngemali yaso. Nabo bafuna ukuqiniseka ukuthi bazokhokhelwa.

Izindlu ezithengiswayo zingaba ingxabano evuna ukubolekwa imali. Umkhiqizo onjalo wezezimali ubizwa ngokuthi "imalimboleko evikelwe yi-real estate".

Isibambiso siyindlela ekhethekile yokuqinisekisa izibopho. Isibopho kuleli cala ukukhokhwa kwemali mboleko. Ikhasimende eliboleka imali enjalo livuma ukuthembisa ngempahla yalo kumbolekisi.

Ngesikhathi esifanayo, ungahlala efulethini ngokwakho noma uqashe abaqashi, uma lokhu kungavunyelwe yinkontileka. Ngokufanayo, nezinye izindlu ezithengiswayo - amafulethi, izakhiwo zokuhlala, izindlu zasemadolobheni, izindawo zokuthengisa.

Isibambiso asisho ukuthi ibhange noma isikhungo sezezimali singathengisa into yakho noma nini noma izithathele yona. Kuncike ekutheni sikhuluma ngezinkampani ezisemthethweni, hhayi amaqola. Izindaba ezifana nalezi ziyenzeka lapho abantu beboleka izikhangiso budedengu futhi bengabheki amaphepha abawasayinayo.

Kuphela uma iklayenti lingakwazi ukukhokha imali ebolekiwe, ibhange noma esinye isikhungo sezezimali sinelungelo lokuthengisa, okungukuthi, ukuthengisa indawo. Imali izohamba ukukhokha isikweletu. Uma noma yiliphi inani elisele ngemva kokudayiswa, lizonikezwa umnikazi wangaphambili wendawo.

Izinzuzo zokuthola imali mboleko yezindlu

Ungathola imali mboleko enkulu. Isibonelo, ama-ruble ayizigidi ezingu-15-30 enhloko-dolobha ayiqiniso ngempela. Ezifundeni, kunjalo, yonke into inesizotha. Nokho, ukuzimisela ukwenza isibambiso ngempahla kuyimpikiswano enamandla kubabolekisi.

Thembeka kakhulu emlandweni wesikweletu womboleki. Njengoba wazi, wonke amabhange nezikhungo zezezimali zifunda ukwethembeka kweklayenti. Ukwenza lokhu, basebenzisa izikhungo zomlando wezikweletu, lapho kugcinwa khona ulwazi mayelana nokuthi umuntu ubolekwe kuphi, nini futhi malini ezikhungweni zezimali. Ukubambezeleka kwezinkokhelo nakho kubonakala lapho. Kodwa njengoba iklayenti selilungele ukwenza isibambiso sezindlu ezithengiswayo, kusho ukuthi umbolekisi uzivikele ngokuqinile.

Ikhredithi ingakhishwa isikhathi eside. Uma kuqhathaniswa nemalimboleko evamile. Ezinye izikhungo zezezimali zikuvumela ukuthi ukhokhe kuze kube yiminyaka engama-25.

Enye indlela ye-mortgage. Idinga inkokhelo ephansi, okungenzeka ingabi njalo. Imali mboleko yomuzi ingasetshenziselwa ukuthenga ikhaya elisha.

Nganoma iyiphi injongo. Ababolekisi ababuzi ukuthi yini oyidingayo ukubolekwa imali. Lokhu kubalulekile, isibonelo, kosomabhizinisi ngabanye abadinga imali yokuthuthukisa ibhizinisi labo. Uma becela imali mboleko njengenhlangano esemthethweni, khona-ke amathuba okwenqaba azoba ngaphezulu, ngoba lokhu kuyingozi ebhange.

Ingozi kuphela ngempahla yakho. Umboleki "akamisi" noma ubani - lokhu uma sikhuluma ngabaqinisekisi bemalimboleko. Uma udinga inani elikhulu, khona-ke esimweni semali mboleko evamile, ungathola izikweletu ezivela ezinhlanganweni ezahlukene, futhi ngenxa yalokho, ungagcina usukweleti, ulwe nabaqoqi, futhi ulahlekelwe isithunzi sakho phakathi kozakwethu. Ngokuboleka ifulethi, ubeka engcupheni impahla yakho kuphela. Ngombandela wokuthi uma unomndeni, izinqumo ezinjalo kufanele zenziwe ngokucophelela.

Isibambiso nomboleki kungaba abantu ababili abahlukene. Ngokwesibonelo, umuntu oyedwa ungumnikazi wendawo, omunye ufuna ukuboleka imali. Bangenza isivumelwano ndawonye.

Isakhiwo sihlala siyindawo yakho. Ingasetshenziswa, iqashwe (uma ingangqubuzani nesivumelwano semalimboleko).

Izinto ezifanele eziboshiwe. Isibonelo, umboleki uqongelele isikweletu esikhulu sezindlu nezinsizakalo zomphakathi noma usedlulelwe yisikhathi ukukhokha ezinye izikweletu. Kulesi simo, ngesicelo sababolekisi, inkantolo inelungelo lokuthatha impahla. Ezinye izinhlangano zezikweletu zamukela ingcebo enjalo njengesibambiso, kodwa ngokubhukha okuthile. Ingxenye yemalimboleko yekhasimende izosetshenziselwa ukukhokha isikweletu ukuze kususwe ukuboshwa.

Ububi bokuthola imali ebolekiwe evikelwe yizindlu ezithengiswayo

Ukusetshenziswa kwemali yomshwalense. Isakhiwo osinikezayo njengesibambiso kufanele sibe nomshwalense. Izinkokhelo zomshwalense zenziwa kanye ngonyaka. Ngokwesilinganiso, lokhu kungama-ruble ayizinkulungwane eziyi-10-50 - intengo incike kakhulu endlini ethile, indawo, intengo yento. Umbolekisi angase futhi acele ukuqinisekisa impilo nempilo yomkhokhi - ngaphandle kwalokho bazonikeza iphesenti eliphezulu.

Uzodinga ukukhokhela umsebenzi wabahloli. Aninabo noma umbolekisi anikwazi ukwahlulela ngokujulile ukuthi impahla inenani elingakanani. Kodwa endabeni yokubolekwa kwemali, i-liquidity yento ibalulekile - ngamanye amazwi, inani layo kanye nekhono lokuthengisa. Ake sithi iklayenti lifuna ukubeka ifulethi esakhiweni esiphuthumayo ukuze sibhidlizwe. Yiqiniso, umbolekisi akunakwenzeka ukuba akwazi ukuthengisa into enjalo uma kwenzeka okuthile. Ngakho kufanele ukhokhele i-appraisal. Ibiza ama-ruble ayizinkulungwane ezingu-5-15.

Ukungakwazi ukulahla impahla yabo ngokukhululeka. Okunye okubi yimibandela yemalimboleko. Uma ufuna ukudayisa ifulethi noma enye into ngokwakho, uzodinga ukucela imvume kumbolekisi owamukele indawo njengesibambiso. Cishe uyokwenqaba. Phela, kanjani kulokhu ukuqinisa ukuthembeka komboleki? Bangavumela ukudayiswa uma iklayenti libuyisela isikweletu ebhange ngenzuzo.

Isikhathi esiningi siyaphela. Ukuze uthole imali mboleko enjalo, beka okungenani isonto elilodwa kuya kwamabili, njengoba imibhalo nezinqubo zinde kakhulu kunokujwayelekile. Awukwazi ukuthola imali ngokushesha.

- Ububi buhlanganisa iqiniso lokuthi i-mortgage iyifulethi. Kodwa izinkinga zingaba khona kuphela uma iklayenti lingakhokhi. Noma, uma engakwazi ukukhokha, akenzi lutho ukuxazulula isimo. Ngisho noma ungena “ekubambezelekeni” kulowo mboleko, ungakwazi njalo ukuxazulula inkinga ngaphandle kokulahlekelwa impahla yakho, uthole ukuvumelana nomamboleki, - kusho. U-Almagul Burgusheva, inhloko yomnyango wokuboleka imali e-Finans.

Imibandela yokuthola imali ebolekiwe evikelwe yizindlu ezithengiswayo

Izidingo zomboleki

• Iminyaka yomboleki isukela kwengama-21 kuye kwengama-65. Kubantu abasha, okuhlukile akuvamile ukwenziwa. Kwabathatha umhlalaphansi kaningi.
• Ukuqashwa. Akudingekile ukuthi usebenze ngokusemthethweni. Futhi akufanele kube okungahlelekile futhi. Kodwa uma iklayenti lisebenza, khona-ke ithuba lokugunyazwa kwemali mboleko liphezulu. Udinga ukusebenza endaweni eyodwa okungenani izinyanga ezi-3-6 ezedlule.
• Citizenship of the Federation. Basebenza nabantu bakwamanye amazwe, kodwa ngokuzithandela.
• Ababolekayo. Uma indawo inabanikazi abaningana, kudingeka ukuthi babe ngababoleki futhi banikeze imvume yesibambiso. Futhi, uma ushadile, oshade naye kufanele abe ababoleka ndawonye. Lokhu kungayekwa uma usayina amaphepha kummeli womphakathi (noma isivumelwano somshado saqedwa ngaphambilini), kodwa lokhu kungokubona kombolekisi.

Impahla Izidingo

- Imfuneko eyinhloko ukuthi indawo ibhaliswe njengendawo. Uma kungenjalo, umbolekisi ngamunye unemibandela yomuntu ngamunye yezindawo ezithengiswayo. Omunye ubheka ibanga ukusuka eMoscow Ring Road akukho ngaphezu kuka-50 km, abanye babheka zonke izifunda. Ibhange elilodwa lingakhipha imali mboleko yefulethi kuphela, elinye ifulethi nezindlu, njalonjalo, - ukuphawula Almagul Burgusheva.

Sesivele sishilo ukuthi imali mboleko evikelwe yi-real estate ayinikezwa nganoma iyiphi into. Ngakho-ke, udinga uku-oda i-albhamu yokuhlola enkampanini egunyaziwe. Ake sikhulume ngezimfuneko.

Isitezi

Uhlobo oludume kakhulu lwesibambiso. Ngaphezu kwalokho, abanye ababolekisi baze bavume ukwamukela amafulethi okungewona awomboleki, kodwa abesithathu. Yebo, uma bevuma ngokuzithandela ukuya ngebheyili. Ake sithathe isibonelo. Umndeni omncane uhlala nabazali bawo futhi ufuna ifulethi lawo. Abazali abafuni ukuboleka imali noma abayinikwa ngenxa yobudala babo. Kodwa bayavuma uma abasanda kushada bezobambisa ngendlu yabo.

Ifulethi kufanele libe uketshezi, okungukuthi, lingathengiswa ngentengo yemakethe nganoma yisiphi isikhathi. Lokhu kubaluleke kakhulu ebhange. Yiqiniso, akufanele ibekwe kwenye indawo. Bathatha kuphela izinto ezindlini ezingezona ezezimo eziphuthumayo, hhayi ukudilizwa. Akukho ukuthuthukiswa kabusha okungekho emthethweni. Bayawaxwaya amafulethi ezindlini ezinamapulangwe futhi anesimo setshe lesikhumbuzo sezakhiwo.

Inani lemalimboleko ngokuvamile alidluli u-60-80% yenani lefulethi elibolekiwe. Okuncane okungaphezulu kuzonikezwa kuphela esimweni sesiqinisekiso kanye nokuqashwa okusemthethweni.

Ngendlela, ungakwazi futhi ukubeka igumbi efulethini lomphakathi. 

Izindawo

Uhlobo olusha lwezindlu ezithengiswayo Ezweni Lethu, olukhula ngokuzimisela emadolobheni amakhulu. Ngokusemthethweni, lena indawo okungeyona indawo yokuhlala, kodwa akekho owenqabela ukuhlala kuyo. Awukwazi ukuthola imvume yokuhlala lapho, azinikezi izimali zokubolekwa ezikhethwayo, awukwazi ukudonsa intela ekuthengeni. Kodwa uma ungumnikazi wamafulethi, ungawanikeza njengesibambiso semali mboleko.

Amafulethi ashibhile kunamafulethi asendaweni efanayo ezindlini ezifanayo. Kodwa inzuzo yazo ukuthi zintsha, okusho ukuthi ziwuketshezi futhi zinenani lazo ngokwezimali.

Amaholide

Njengomthetho, izindlu zasemadolobheni ziwuhlobo oluhlonishwayo lwezindawo ezithengiswayo zasemadolobheni. Bamukelwa ngokuzithandela njengesibambiso, kodwa uma nje isakhiwo sisemthethweni, kukhona yonke imibhalo - izethulo ezimbi ngezakhiwo ezingagunyaziwe zenzeka.

Izidingo zendlu yedolobha: Ifulethi labelwe endaweni ehlukile enomnyango wangasese. Umhlaba ophambi kwakhe ungowomnikazi.

Izakhiwo zokuhlala

Uma sikhuluma nge-cottage kanye nezinye izindlu zangasese zasemadolobheni, kanye nezindlu ezizimele edolobheni, nazo zithathwa njengesibambiso njengesinyathelo sesikhashana. Kunzima kakhulu ngezindlu zasengadini e-SNT, ngoba umbolekisi ngeke akwazi ukuzithengisa ngokushesha, futhi ashibhile. Uma kungenjalo, kuyasebenza yonke imithetho efanayo neyamafulethi, kanye nenani lemibandela eyengeziwe.

• Ungahlala endlini unyaka wonke. Futhi ungafinyelela kuyo nganoma yisiphi isikhathi sonyaka.
• Hhayi esimeni esiphuthumayo.
• Ugesi uxhunywe kuwo, kukhona ukushisa (igesi noma ugesi), ukuhlinzekwa kwamanzi.
• Indlu ayikho endaweni yezindawo zemvelo ezivikelwe ngokukhethekile noma izinqolobane.

Uyithola kanjani imali mboleko evikelwe ngendawo

1. Khetha ibhange noma isikhungo sezezimali

Isicelo singathunyelwa nge-inthanethi – ngesizindalwazi senkampani, sishiywe esikhungweni sezingcingo siye ku-opharetha noma uze mathupha ehhovisi. Isinyathelo sokuqala sizodinga igama lakho, usuku lokuzalwa, imininingwane yokuxhumana. Futhi, uzocelwa ukuthi usho inani olifakela isicelo. Bazophinde bakubuze ngohlobo lwempahla yakho.

Ngemuva kwalokho, ibhange noma isikhungo sezezimali sizothatha isikhashana: ngokoqobo ukusuka emaminithini ayishumi kuya emahoreni ambalwa. Ngenxa yalokho, kuzokhishwa isinqumo - isicelo sivunywe kusengaphambili noma senqatshiwe.

2. Lungiselela imibhalo

Uma ufika ehhovisi, ungakwazi ukuqoqa ngokushesha isethi yamaphepha adingekayo. Ingabe ufake isicelo ukude? Mhlawumbe umbolekisi uzovuma ukucabangela ukuskena kwamadokhumenti ngefomethi ye-elekthronikhi. Uzodinga:

• iphasiphothi enemvume yokuhlala (uphawu lokubhalisa);
• idokhumenti yesibili (okungavamile ukubuzwa) - SNILS, TIN, ipasipoti, impesheni, ilayisense yokushayela;
• isitifiketi semali engenayo, ikhophi eqinisekisiwe yencwadi yomsebenzi, isaziso sesimo se-akhawunti yomuntu siqu esikhwameni sempesheni - lapha umbolekisi ngamunye unezidingo zakhe. Abanye babolekisa ngemali ngaphandle kokuqinisekiswa kwemali engenayo kanye nomsebenzi, kodwa ngamaphesenti aphezulu;
• idokhumenti eqinisekisa ubunikazi bezindlu ezithengiswayo. Lokhu kungaba inkontileka yokuthengisa, isiqephu esivela ku-USRN sefulethini noma umhlaba, isitifiketi sefa, isivumelwano somnikelo noma isinqumo senkantolo - konke okuqinisekisa ukuthi: ungumnikazi futhi ungalahla into;
• ezindaweni zokuhlala, bazocela i-extract encwadini yendlu noma idokhumenti eyodwa yezindlu - babonisa ukuthi bangaki abantu ababhalisiwe efulethini;
• uma ushadile futhi owakwakho engafuni ukuba omunye obolekayo, kodwa engaphikisani nokuthembisa ifulethi, udinga imvume eqinisekisiwe. Isivumelwano sangaphambi komshado sifanelekile, esithi umlingani (a) akakwazi ukulahla lesi sakhiwo. Umbolekisi angase futhi acele umnikazi ukuthi asayine isitifiketi se-notary sokuthi umnikazi wendawo wayengashadile ngesikhathi esithenga. Esimweni sokugcina, ngezinye izikhathi kungenzeka ngaphandle kwe-notary - ngokubona kombolekisi.

Thola inkampani yokuhlola ezokwenza i-albhamu yokuhlola. Ungakwenza lokhu kusenesikhathi uma ujahe ukunikeza wonke amadokhumenti ngosuku olulodwa. Kodwa qaphela: imvamisa amabhange nezikhungo zezezimali zisebenza kuphela namafemu agunyazwe yibona.

Omunye umbhalo obalulekile umshwalense wezakhiwo. Ungathola nombono enkampanini yomshwalense kusenesikhathi ukuthi iyavuma ukuthatha into yakho kanye nebhili yesevisi. Futhi futhi, qaphela - ekusebenzeni nababolekisi bomshuwalense nabo bayakhetha.

3. Linda ukuvunywa kwesicelo

Noma ukwenqaba. Khumbula ukuthi ungazama nomunye umbolekisi noma uphinde uxoxisane nalo. Isibonelo, umboleki ubala inani elilodwa elivikelwe ngendawo, kodwa umbolekisi uvumelana nencane, noma kubonakala sengathi kuyena nhlobo ukuthi umuntu ngeke adonse izinkokhelo zenyanga. Kodwa uma uthola ama-guarantors, thatha izitifiketi zeholo, uxhume ababolekayo, khona-ke imalimboleko ingavunyelwa.

Isikhathi sokufaneleka kwesicelo esigunyaziwe sinqunywa umbolekisi ngokwakhe. Ngokuvamile kuba yinyanga eyodwa kuya kwezintathu. Ngemuva kokuthi yonke inqubo kuzodingeka idlule futhi. Kodwa-ke, uma ufuna izimo zokubolekwa ezingcono kakhulu ezivikelwe ngendawo yokuhlala, usuzoba nawo wonke amadokhumenti adingekayo futhi ungafaka isicelo kwezinye izikhungo zezezimali.

4. Bhalisa isibambiso

E-Rosreestr - lo mnyango unomthwalo wemfanelo wokubalwa kwezindlu ezithengiswayo ezweni - kufanele kube nerekhodi lokuthi i-encumbrance ifakwe kwi-real estate. Kusukela manje kuqhubeke, umnikazi ngeke akwazi ukuthengisa ngokukhululekile into futhi akhohlise umbolekisi.

Ukuze ubhalise isibambiso, udinga ukuya ku-MFC noma ku-Rosreestr. Kwesinye isikhathi ungenza ngaphandle kokuvakashelana ubuso nobuso. Izikhungo zezezimali zisebenzisa amasiginesha ka-elekthronikhi futhi zizijwayeza ukugcwalisa amadokhumenti ukude. Ungazikhiphela isiginesha ye-elekthronikhi wena, futhi uma ungazi ukuthi kuphi futhi kanjani, umbolekisi uzokutshela. Isignesha ikhokhwa, ngokwesilinganiso ruble 3-000. Abanye ababolekisi banikeza ababolekayo.

5. Thola imali

Ngemva kokusayina inkontileka, ungacela imali ngokheshi noma ngokudlulisela ku-akhawunti yasebhange. Ibhange lizophinde likhiphe ishejuli yokukhokha. Mhlawumbe inkokhelo yokuqala kuzodingeka yenziwe kakade enyangeni yamanje.

Ikuphi indawo engcono kakhulu yokuthola imali mboleko yezindlu?

Amabhange

Inketho ethandwa kakhulu. Imali mboleko evikelwe amafulethi, izakhiwo zokuhlala, amafulethi ngisho namagaraji ikhishwa zombili izinhlangano ezivela phezulu kweBhange Elikhulu (izinhlangano ezinkulu ngokwenani lamakhasimende nempahla) kanye nozakwethu abaningi “abathobekile”. Isibonelo, amabhange esifunda.

Amabhange acophelela kakhulu ekuhloleni isithombe somboleki. Bahlola ngokucophelela imibhalo, futhi inqubo yokugunyaza isicelo ingathatha isonto noma ngaphezulu. Amabhange nawo awakwazi ukunquma inani eliphezulu lemalimboleko. Leli yibhizinisi elikhulu elifuna ukuzifaka umshwalense uma lowo obolekayo ehluleka ukukhokha ngokuzumayo.

Zilungiselele ukuthi ekukhangiseni ibhange lizokuheha ngenani elilodwa emalini ebolekiwe evikelwe i-real estate, futhi uma libheka amadokhumenti akho, lizokunikeza ngaphezulu. Ukuze banciphise ngamaphoyinti ambalwa, bazonikela ngokuba ikhasimende labo elikhokhelwayo noma bathenge umshwalense owengeziwe kozakwethu.

Abatshalizimali

Kunezinkampani nabatshalizimali abazimele ababolekisa ngemali. Siyaphoqeleka ukusho ukuthi ngo-2022 lena indawo “empunga” ngokomthetho walezo mboleko. Ezweni Lethu, kwenqatshelwe ukuthi abatshalizimali abazimele bakhiphe imalimboleko kubantu abavikelwe yizindawo ezithengiswayo. Ibhizinisi kuphela (IP noma i-LLC).

Nokho, kuyatholakala izintuba emthethweni. Ngaphezu kwalokho, onqenqemeni lokukhwabanisa ngokubhaliswa kwezinhlangano ezingokomthetho eziqanjiwe. Noma baphinde babhale kabusha impahla yomboleki kubo, bemdukisa.

Uma uthatha isinqumo sokuthatha imali ebolekiwe kumtshali-zimali ovikelwe ngendawo, qiniseka ukuthi uthintana nommeli ozimele ukuze afunde inkontileka "yezincazelo ezifihliwe" futhi akusize ngokuthengiselana. 

Izindlela ezengeziwe

Ezweni Lethu, kukhona ama-CPC - ama cooperatives ezikweletu kanye nabathengi. Unabanikazi bamasheya - uma sikhuluma nje, abantu abatshale imali yabo echibini elivamile ukuze abanye abaninimasheya, uma kunesidingo, bakwazi ukuzisebenzisa. Yebo, hhayi "ngiyabonga", kodwa ngokwemibandela ezuzisanayo. Sicela uqaphele ukuthi ama-CCP asemthethweni akurejista yeBhange Elikhulu.

Imali mboleko evikelwe izindlu ezithengiswayo ku-CPC isebenza kanje. Iklayenti liba ngumnikazi wamasheya walo. Ucela ukubolekwa. Umfelandawonye uyavuma noma uyanqaba. Konke kufana nasebhange, kodwa ama-CCP awafuni kakhulu ubuntu bomboleki futhi agunyaze imali ebolekiwe ngokushesha. Esikhundleni salokho, amaphesenti aphezulu asethiwe (angeke abe ngaphezu kwalokho okunqunywa yiBhange Elikhulu). Amanye amabhange “anolaka” abhekisela ekukhokheni sekwephuzile.

Ngaphambilini, ama-MFIs (izinhlangano zezezimali ezincane, ezingxoxweni zansuku zonke zibizwa ngokuthi “imali esheshayo”) kanye nama-pawnshops nawo anganikeza imali mboleko evikelwe ngendawo. Manje abavunyelwe ukwenza kanjalo.

Ukubuyekezwa kochwepheshe mayelana nemalimboleko evikelwe yizindlu ezithengiswayo

Sabuza U-Almagul Burgushev, inhloko yomnyango wokuboleka ovikelekile wenkampani yezezimali yabelana ngombono wakho mayelana nesevisi.

“Imalimboleko etholwa yizindlu ezithengiswayo ikhula ngamandla minyaka yonke. Abantu baqala ukuqonda ukuthi lokhu kunenzuzo ngempela: amanani aphansi kakhulu kunokubolekwa kwabathengi, leli gama liye lenyuka laya eminyakeni engu-25. Akukho mbono oyiphutha ngezingozi zokuboleka okunjalo. Amakhasimende athatha imali ebolekiwe, ngokwesibonelo, ukuze avale izikweletu zawo ezinhlanu kuya kweziyishumi. Phela kunenzuzo enkulu ukukhokha ebhange elilodwa. Isamba esiphezulu semalimboleko esivikelwe yi-real estate singenzeka kuze kufike ku-80% yenani lento.

Baphendukela ezikweletini ezinjalo ukuze bazivulele amabhizinisi abo noma basekele ibhizinisi lomuntu siqu. Kukhona nezimo ezidabukisa kakhulu lapho kudingeka imali eningi ukuze kuhlinzwe izihlobo.

Yiqiniso, ungathengisa ifulethi, kodwa uma umuntu eqiniseka ukuthi angakwazi ukukhokha, kungani ungasebenzisi imali mboleko? Ungakwazi ukuthengisa njalo, ngisho noma uthathe imali ebolekiwe futhi kungazelelwe ungakwazi ukukhokha. Lolu hlobo lwemali mboleko lufanele wonke umuntu owazi kahle ukuthi uzoyibuyisela kuyiphi imithombo imali ebolekiwe.

Mayelana nabakweletayo. Amabhange ahlala eyisikhathi eside sokubolekwa imali kanye nenani eliphansi. Kodwa ukucatshangelwa kwesicelo kude futhi bafuna kakhulu kumaboleki, umlando wesikweletu, ukuqashwa. Ngokuvamile iklayenti licabanga ukuthi uma lithembisa indlu yalo, ibhange akufanele limbuze imibuzo engadingekile. Noma kunjalo, ibhange liyamgada ngeso elibukhali lowo obolekayo, kungakhathaliseki ukuthi indlu yakhe ibiza malini.

Ama-Credit cooperatives (CPCs) asethembeke kakhulu kumakhasimende, kodwa amanani angase abe phezulu kancane kunawasebhange. Abatshalizimali abazimele nabo bathembekile. Kodwa lokho akusho ukuthi banikeza wonke umuntu imali. Izitifiketi zeholo azidingeki, kodwa zihlola ukwethembeka kwalowo ongase abe umboleki kunhlolokhono. Umtshali-zimali angathola imali ngosuku lokwelashwa futhi lokhu kuyinzuzo ngokuqinisekile.

Ngombono, uma ikhasimende lidinga ukuthola imali ngokushesha, lingayicela kumtshali-zimali noma i-CPC, bese lixhasa ngebhange.” 

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