He aha te mea AHML? Āhuatanga o te whakahaere

Mortgages roa kua whakaaro te ratonga rongonui no te taea reira ki a koe te hoko i to ratou iho mau fare. Hoki tenei whakaaro i whakapumautia te Pokapü, tuku ki te whakaputa i tēnei momo o te taurewa. E tuku hōtaka ki o ratou ture me ngā tikanga, e ai kia pai io me reliably whakarite te mokete. I tua atu i roto i tēnei tuhinga ka whakamārama matou ki ta AHML me aha tikanga e patua ana ki rangatira o whare.

ariā

Na, he aha te mea AHML? Ko te Pokapü hoki Housing Mortgage Lending. whakaturia te whakahaere i roto i 1997. Ko te take hoki tona hanganga ko te pānga o ngā ture kāwanatanga o 1996. E nuitia-fatuhia AZHIK hea.

Whāinga me ngā mahi o te hanganga

He aha te mea AHML mo te tangata? He te whāinga e whai ake nei i te whakahaere:

• Waihanga ana paerewa ōrite mō mokete noho.
• Whakarato pūtea taurewa utu.
• A amo ana i roto i te mokete refinancing.
• Creation o te mākete tuarua.
• Hanganga o te mākete peeke.

A he aha te mea AHML mo te whenua? Tenei whakahaere āhei te whanaketanga o ngā hua mōkete, a hoki ana ki te whakarato i tere ki pareparenga. He AHML whakahaere e hānga ana, me te mātakitaki i te taumata-rohe te whenua.

Ki te pareparenga ka karanga te mauria i te Pokapü te mahi e whai ake:

• E whakaritea ratou e nga ngā o te taurewa me te kawea i roto i kōrero ki te nama.
• homai Partner pēke nama te.
• hokonga AHML i matau hoa o te whare ki ngā whakaritenga nama.
• Te tikanga ki ngā kerēme i raro i te ti'amâraa mokete e tango mā te whakatakoto here i runga i te hokohoko kararehe.
• I muri te huri i te kaituku te nama e tango te pānui i whakawhitia te mokete ki te Agency, me kōrero hou mō te utu. Huri i te reira i roto i i whakaaetia te taurewa e te kāwanatanga.

E whakaatu ana te hoahoa i runga ake e nga tawhā o te kawenata tikanga atu ātaahua atu tahatika tūmataiti. Ko e tika ana ki te kaupapa here kāwanatanga, e hanga mokete e wātea ana tenei. Ko reira kia kia atu utu i pareparenga.

painga

He tokomaha tahuri ki te HMLA. He nga painga e whai ake kaitono e Mortgage āwhina:

• Ko te whakanōhanga tūmatanui.
• Ka rite ki te kiritaki whai te whakahaere pēke e ko te hoa o te Pokapü, mahi te muri he mahi haumaru o te huringa whakaritea tuatahi ngā.
• Te ti'amâraa tuku ngā hōtaka mōkete, rite tangohia ki pūkete te rōpū taupori rerekē.

raruraru

Ko reira e te tahi mau onäianei ki te mahi AHML. Mortgages i roto i te whakahaere he ona drawbacks:

• Ka kia whakaaro tono he wa roa, e pā nei te ki te tātaritanga rua-taahiraa o te tuhinga - kawea mahi tuatahi i roto i te taha o te Agency, na te pēke.
• Tuku whakataetae etahi pareparenga ki te Pokapü me whai reiti atu pai.

Whakaritenga mō ngā kaitono e

Banks wāhi i roto i te hōtaka, tikanga mahi a te Pokapü me kawe atu ratou moni. Hei tauira, i roto i te paerewa whakapumautia e reira, i reira te mea he tukanga mo te mokete refinancing me te whai tautoko. Hoki i reira he whakaritenga hakari mo aua whakawhitinga.

Me whakatau kaitono nga tikanga e whai ake nei:

• Ko te aroaro o te raraunga Russian, rēhita i te wahi o te noho noho ranei i te rēhita o te nama.
• Mokete homai ki tangata pakeke 18-65 tau.
• I raro i kirimana kotahi e kore e waiho atu atu i te 3 kaitono.
• Ko te nama fakapapau'i tiwhikete moni 2NDFL ranei whakakiia i te puka, tapaea nei e AHML.

Taipitopito o whiwhinga tapaea i te pae mōhiohio o HMLA. aroturuki tautukunga me te paerewa i roto i te whenua te ti'amâraa, na nga mokete e whakaaro reira ki te kia pono.

momo o ngā hōtaka

āhuatanga ia hōtaka AHML e te āhuatanga e whai ake nei:

• E homai taurewa i roto i moni.
• Ko te utu tuatahi o te 10-30% o te uara taonga.
• E kore ai te nui utu nui 45% o te moni o te kiritaki.
• Me koe ki te puta inihua.
• Ki te te rahi o te utu ki raro, o iti iho i te 30%, he mea e tika ana ki te inihua te hopoi'a o te nama.
• Inihua ora e taea te rite e hiahiatia ana.
• whakamahia Housing hei taunaha.
• Ko te wā taurewa mōrahi ko 30 nga tau.

AHML kua ona huapai me ngā huakore ia hōtaka. Ko tētahi o ratou - "New". Kei te hangaia te reira ki te whakarato mōkete mō whaitua i roto i ngā whare e i hanga i muri i 2007. atu hoki te hōtaka ki te whare "ōhanga" mau fare. Auau Ko 6.15% -11%.

Ko te "whakapaipai o whaea" taea ki te whakapiki ake i a koutou i te nui o te nama homai i roto i te nui o te whakapaipai. Kei te whakamahia hoki reira ki te utu i te utu tuatahi o te 10%. Ko te auau, ko te 7,65-10,75%, ki te te mākete whare tuatahi, me 8,65-12,45% mo te mākete tuarua.

Ko te "Mortgage Military" Kei te hangaia mō kaimahi hōia e whai wāhi i roto i te pūnaha penapena, me te mokete (NIS). Ka taea e te tiki e ratou he taurewa o runga ki te 2.2 miriona moni. I runga i te nui mokete o moni e kore e pāngia. whakaritea te wā mōrahi e ina he 45 tau te kiritaki.

āhei ia hōtaka ki a koe te tiki i te mokete i runga i ngā pai. He tino ngāwari whakawātea me te whakataunga ngā tukanga. E hoatu kiritaki atu painga atu i roto i te faaineineraa o te mōkete paerewa.