Imalimboleko yemoto ngaphandle kwenkokhelo ephansi e-Alfa Bank

Kungakhathaliseki ukuthi izinhlelo zokubolekwa kwemali zokuthenga imoto zithandwa kangakanani manje, kubantu abaningi baseRussia zisalokhu zingafinyeleleki ngenxa yokuthi kufanele bakhokhe imali yokuqala, okungenani amaphesenti angu-10 ezindleko.

Amaphesenti angu-10 ezindleko zemoto yesabelomali kakhulu ye-300-400 ayizinkulungwane ama-ruble ayizinkulungwane ezingu-40, inani libonakala lingelikhulu, kodwa kungaba nzima ukuliqoqa.

Ngakho-ke, kunesilingo esikhulu sokuthatha ithuba lokunikezwa kwemali mboleko, ukubolekwa kwemali okuhlukahlukene okukuvumela ukuthi uthenge imoto oyifunayo ngaphandle kwenkokhelo ephansi. Abaphathi ezinkampanini ezithengisa izimoto bazi kahle isimo sengqondo emphakathini kanye nesimo sangempela sezimali samaRussia amaningi, ngakho-ke, ngokubambisana namabhange, banikeza ithuba lokuthatha imoto ngesikweletu ngaphandle kokukhokha inkokhelo.

Ingabe i-Alfa-Bank inazo izinhlelo ezinjalo? Ake sizame ukukuqonda.

Ukuthenga imoto ngesikweletu kwa-Alfa-Bank ngaphandle kwenkokhelo ephansi

Yebo, ngempela, leli bhange lisinika ithuba lokuthenga imoto ngaphandle kokukhokha, izinhlelo ezinjalo zingatholakala ezinkampanini eziningi zezimoto eMoscow. Kodwa luyini lolu hlelo?

Futhi lokhu akuyona into engaphezu kwemali mboleko evamile, futhi ikhishwa ngaphansi kwemibandela eqinile. Kunezinhlelo ezimbalwa zokubolekwa imali:

• "Fast" - kufika ku-250 ayizinkulungwane;
• ivikelwe yi-real estate - kufika ku-60 million;
• imali ebolekiwe - kufika esigidini esisodwa (izigidi ezimbili kumakhasimende asebhange kanye namakhasimende ezinkampani).

Okusho ukuthi, uma ukhuluma nje, ugqolozela isithembiso sokuthenga imoto ngesikweletu ngaphandle kwenkokhelo ephansi, uvumelana nezimo ezingathembeki kakhulu.

Uma untula cishe izinkulungwane eziyi-10 kuya kwezingu-250 zokuthenga imoto, ungase unikezwe imali mboleko yemali noma ikhadi lesikweletu elisheshayo. Imalimboleko "Fast" isilinganiso senzalo sisuka kumaphesenti angama-37 siye ku-67 ngonyaka. Inkokhelo eyeqile inkulu, kodwa kunesikhathi somusa esiyizinsuku ezingama-60 lapho inzalo ingakhokhiswa. Ngaphezu kwalokho, awudingi ukuthi ulethe izitifiketi zemali engenayo futhi ubheke ama-guarantors.

Uma ufuna ukuboleka indlu yakho noma unenye indawo ethengiswayo, khona-ke uzonikezwa izimo ezilula, ngaphezu kwalokho, imali mboleko enjalo inikezwa isikhathi seminyaka eyi-10 ngenani elincane lika-13,6%. Okusho ukuthi, izinga lingaba phezulu futhi linqunywa ngamunye esimweni ngasinye. Inzuzo ukuthi ungakwazi ukuthenga imoto ebiza kakhulu, uma ifulethi lakho ngempela zenani izigidi eziningana. Kudingeka futhi ukuthi bonke ababhalisiwe efulethini lakho banikeze imvume yabo.

Imalimboleko yemali evela kwa-Alfa-Bank ithatha lezi zimo ezilandelayo:

• kusukela ezinkulungwaneni ezingu-50 kuya ezigidini ezimbili kumakhasimende asebhange kanye namakhasimende ezinkampani;
• kufika esigidini esisodwa kubo bonke abanye;
• isiqinisekiso asidingeki, imali engenayo kufanele iqinisekiswe;
• amakhomishini okubhaliswa kanye nokukhokha ngaphambi kwesikhathi awakhokhiswa;
• isikhathi - kufika eminyakeni emihlanu.

Amaphesenti, kufanele kushiwo, awawona amancane:

• 16,99-30,99 ngonyaka kulabo abathola iholo ekhadini laleli bhange;
• 17,49-34,99 - amaklayenti ezinkampani zebhange;
• 19,49-39,9 - zonke ezinye izigaba.

Usebenzisa izibalo ezilula zezibalo, ungakwazi ukubala ukuthi kuzokubiza malini ukusebenzela imali mboleko enjalo. Izilinganiso zenzalo zinqunywa ngazodwana, kuye ngokuphelela kwedatha enikeziwe emayelana nawe, izinga lemali engenayo, nokunye.

Ibhange lizama ukuzifaka umshwalense ngazo zonke izindlela futhi kuphakama izimo ezixakayo: omunye umphathi wenkampani ehlonishwayo uzothola inzalo ephansi kunesisebenzi sasefekthri esilula. Lesi sikweletu asikhishelwa osomabhizinisi ngabanye, kanjalo nalabo bantu ababhalise emahostela. Uma uthatha umshwalense wempilo, khona-ke amanani emalimboleko azoncishiswa.

Izidingo zomboleki zijwayelekile: udinga ukuba nemali engenayo evamile okungenani izinkulungwane eziyi-10 ngenyanga, ukubhaliswa unomphela endaweni lapho kukhona amagatsha asebhange. Qiniseka ukuthi uqinisekisa iholo lakho ezinyangeni eziyisi-6 ezedlule. Kudingeka nemibhalo ejwayelekile: ipasipoti, idokhumenti yesibili, isitifiketi sokuqashwa mayelana neholo, kanye nenye yemibhalo ongakhetha kuyo: inqubomgomo yomshwalense wezokwelapha oyimpoqo, umshwalense wezokwelapha wokuzithandela, ikhophi yencwadi yomsebenzi, ipasipoti enesitembu. mayelana ne-visa, isitifiketi sokubhaliswa kwemoto.

Uma usukhiphe imali ebolekiwe, uzothola yonke imali ekhadini lasebhange. Izici ezinhle yilezi:

• awekho amakhomishini akhokhiswayo;
• I-CASCO iyakhethwa;
• ithuba lokubuyisela ngokushesha.

Uhlelo lokubolekwa kwemoto oluvela kwa-Alfa-Bank

Kukhona nezinhlelo kuleli bhange ezinomnikelo omncane wokuqala - kusuka kumaphesenti ayi-10. Izimo zalolu hlelo zikhanga kakhulu:

• izinga lenzalo lisuka ku-11,75 liya kumaphesenti angama-21,59 ngonyaka;
• inani eliphakeme lingama-ruble ayizigidi ezingu-5,6.

Yebo, zikhona futhi izigatshana. Ngakho, amaklayenti azimele angathola umkhawulo wezigidi ezingu-3 kumaphesenti angu-15,79-16,79, kuyilapho inkokhelo yokuqala ingamaphesenti angu-15. Kukhona nethuba lokuthenga imoto ngaphandle kokubhaliswa kwe-CASCO, kodwa lokhu kutholakala kuphela kumakhasimende akhokhelwayo kanye nezinkampani, futhi inzalo izoba ngu-17,79-21,59%.

Kusukela kulokhu osekushiwo, isiphetho siyaziphakamisa - funda ngokucophelela isivumelwano nebhange, ikakhulukazi imibhalo yaphansi encane. Ukuthenga imoto ngaphandle kwenkokhelo ephansi kuyisiphakamiso esilingayo, kodwa kuzodingeka ukhokhe ngaphezulu.

Iyalayisha...