A chikwereti kuti kunokosha kufunga zvakare

Matambudziko uye chikwereti

The dambudziko 2008-2009, sezvamunoziva, akarova pamusoro chikwereti achidzikisa zvikuru uwandu kwakadai anomukweretesa zvinenge kushoma. On the kuwedzera kusagadzikana zvemari munyika mabhanga akaita zvachose kuchinja mogeji anomukweretesa. Rate rinobuda, chikumbira akatanga tanyatsoongorora, uye kunyange zvakawanda. anokwereta avo kuti vakagamuchira kufarirwa chikwereti zvavo pamberi dambudziko, vaifanira kugamuchira atova itsva ezvinhu, uye vaiva zvazvakanakira. Saka, kuwedzera prices kwaireva kuti anokwereta kutapudzwa chitsama naro aigona kuwana chikwereti. Nokudaro, furati, iyo vanhu netariro, aisagona kutenga, uye ndaifanira kutsvaka pfuma itsva. Kwakati, mamiriro pamusoro chikwereti kazhinji kushandurwa zvakare.

Mune dzimwe mabhanga panguva chikwereti dambudziko pakanga evasingatombonamati chezita. Vakaisapo kutonetsa ezvinhu enyika chikwereti uye kufarira kwakanyanya zvokuti haana kuvhomora mukwereti. It zvinowanzoitika kuti pashure refu nguva kufunga magwaro chete kuti kurambwa.

Zvisinei, vanhu vakawanda vakanga kutora ane chikwereti chikwereti pamberi dambudziko 2008-2009, aifanira kuzvidemba. Alex Shmona CEO portal kuti zvivako Move.su akati kuti mumamiriro ezvinhu ndivo akatora chikwereti mune madhora. With kwayo mwero kukura bhuku vachibhadhara yakawedzera yekudyidzana uye vazhinji yakarova muhomwe.

Uyewo, maererano nyanzvi, rimwe gore pamberi dambudziko, pamwe pakuonekwa akaipa nezvemaitiro upfumi, mabhengi vakatanga kutsvaka nzira kutiza, uye kuwedzera chikwereti kondirakiti acho kuti pasi zvimwe zvinhu kubhengi anekodzero kurera prices pamusoro kare akapa zvikwereti - somuenzaniso, pamwe vasanyanye kukosha mortgaged pfuma. Munguva dambudziko, anokwereta vakawanda kuzodzosera verenga kamwe zvakare chibvumirano chako uye vaiva pedyo tidzikame - pakati yokufungidzira kuti chikwereti rate mabhanga vachavaka kuwedzera unilaterally kare pamusoro kwezvikwereti. Chaizvoizvo, anoti Alexei Shmona hatina mashoko yatova zvikwereti chikwereti chaizvoizvo massively kusimudza prices - angangove chete voga zviitiko - kumatunhu. Saka kunyonganiswa pakati yokufungidzira akanga vakurumidze kuti dzoro zviitiko zvakadaro.

Sei kukunda zvinetso anokwereta

Zvisinei, kwete chete norunyerekupe pamusoro zvichibvira kuwedzera mubereko prices pamusoro kare akapa zvikwereti uye nokuwedzera dhora kuvhiringidza runyararo pakati mogeji anokwereta. The matambudziko chaiwo akatanga vaya vachangobva aiva Dambudziko: anokwereta vaya vakarasikirwa nemabasa avo kana kuti zvimwe chikonzero kunyange dambudziko vaisagona kubhadhara chikwereti kubhengi. Sezvo vakapfuura hombe rutapudzo vanhu, kusanganisira mukuru Executives uye mamaneja, anokwereta akadaro haana kudaro zvishoma.

Zvisinei, tinofanira kuyeuka kuti pasinei yakaoma sei mamiriro ezvinhu emari munyika, kumahombekombe anokwereta defaulting haisi mari. Naizvozvo, mabhanga vakawanda vakanga vakagadzirira kutora matanho kurutivi anokwereta, kana chete kwaakandogara navo, uye nokufamba kwenguva aizokwanisa kubhadhara zvikwereti zvenyu.

Vitaly Bahvalov, Musoro Marketing uye Advertising Group makambani SU 22 anoti, zvechokwadi, panguva 2008-2009 dambudziko, vamwe chikwereti anokwereta vakatadza kubhadhara ayo mitoro. Kunyange zvakadaro, mabhengi vachienda kunosangana vanhu uye avo anokwereta vasiri vakavanda uye vakanovanda ari chiitiko matambudziko, uye akabvuma pachena chikwereti zvipingamupinyi - yavakawana mutsividzo deferment kana zvimwe rubatsiro. Maererano nenyanzvi, kubhangi anogara kufarira chokwadi kuti chikwereti anokwereta inobhadharwa kwaari kusvikira pakuguma, uye munguva dzenhamo nemabhangi vakawanda vaigona kubvumirana pane zvimwe matanho vanotsigirana.

Sergei Liadov, mutauriri mubhizimisi uye kukura kambani "City-XXI Century" akandiudza kuti yemanyorero kubhangi anopa zvitatu nokuda kugadzirisa dambudziko: kunonoka kuti muripo, kuwedzera chikwereti rokuti, uye somunhu akaipisisa nzira, kubhadhara chikwereti kuburikidza kutengeswa mekamuri. "Zvinokosha kucherechedza kuti zvinokufadza dare kubhangi vachatitaka panguva chaizvo muduku, zvikurukuru nokuti nguva chezvakawanda zvekufamba uye akafanotaura zvabuda. Dare anogona kuramba kupambwa rubatso, kana Somuenzaniso, wakasimwa sandara - chete pokugara mukwereti uye kana uyewo kurarama vana vaduku, "- akadaro nyanzvi.

Saka, zvakaitika 2008-2009 dambudziko, mukwereti kana matambudziko nokuda kuripwa chikwereti (semuenzaniso, kurasikirwa nebasa), pane chikuru nzira nhatu. Chokutanga - ndiyo kutengeswa Apartments, uye nokudaro kubhadhara zvikwereti kubhengi. Panguva apo dzimba mitengo akasimuka, zano iri aigona kunyange mari. Asi sezvo vakawira yekudyidzana panguva dambudziko, zvinogona kutendeuka kubva kuti pashure kutengeswa mekamuri akava mukwereti achiri chikwereti kubhengi nokuti kuti yacho havana kufukidza chikwereti pamusoro chikwereti chikwereti.

Kusarudza wechipiri anokwereta vaya vakarasikirwa nemabasa avo kana kuti zvimwe chikonzero vachiri vakafirwa kukwanisa kubhadhara chikwereti. Muchiitiko chino, vanhu vakanga vari mubhangi uye akabvuma nonotsa kubhadhara. Kazhinji, maererano musika nyanzvi, zvikuru anonyengera anokwereta muMoscow, iyo aifanira kutengesa mufurati pamwe nenyundo, pakanga rakapotsa hapana - dzakabatana avo vakasangana. Kumatunhu, zvinhu zvakanga zvakaipa, asi ari guru mari yavanhu pamusoro, uye kusarudzwa nemabhengi kwave zvikuru. Naizvozvo, mabhengi vari mauto zvose vakaedza kutaurirana nevanhu uye vaiwanzova zvikuru vakavimbika.

Zvinhu wechitatu ndechokuti munhu achitora chikwereti dzimwe mari (somuenzaniso, madhora), uye ayo mwero kwakawedzera zvikuru mumakore dambudziko. Banks inopiwa ichi kana refinancing chirongwa, mukwereti akatora chikwereti ari mari itsva - mu rubles - asi kunyange matsva ezvinhu. Kutaura zvazviri, awana chikwereti chose itsva, sezvo ari chimbadzo, uye mamiriro ezvinhu akanga musika - uye anokwereta vazhinji vakaramba refinance, nekuti pashure Masvomhu Zvakazoitika kuti rubles, asi mamiriro ezvinhu matsva mubhadharo aizofanira kuva kunyange kupfuura kare .

Mortgage nhasi

Nhasi, chikwereti zvose kutaura zvakasiyana. Mumwe muenzaniso akanaka uye anotenda kuti chikwereti pamusika akasvika pedyo kwerubwinyo rwakagara rwuripo-dambudziko pamwero, mumwe zvinyoronyoro anoti hakusi nyore zvingaita sezvinoshamisa.

Konstantin Shibetsky, mukuru chikwereti dhipatimendi Civil Code of MIKA, zviri netariro aro tinyatsonzwisisa zvinhu. Maererano nenyanzvi, nhasi chikwereti musika (chikwereti Moscow) anorarama zvizere simba upenyu, zvikwereti vanopiwa, zvinhu zviri kutengwa. "Zvichienzaniswa pre-dambudziko nguva dzisingashandi nekuti chikwereti nemabhangi zvishoma nezvishoma chando isati dambudziko. Terms yemutoo wezvikwereti chikwereti hwachinja nani, paavhareji tembiricha muchipatara (mbiri interest) kuti 12.4%, hatina kukunda, kuti prices vapiswa, kukura pasi muripo, zvakare, akawira neavhareji 15-20%, pane kunyange panyaya uye razero kutanga mubhadharo. Anokwereta, mabhengi vakatanga kufunga kunyatsotevera, "- akadaro nyanzvi.

Maererano Mr. Shibetskogo zvechokwadi nhasi vanogona kutaura kudzorerwa chikwereti pamusika. Mhedziso Nyanzvi anoita zvinotevera - "chikamu subprime (anokwereta pasina mari ongororo) chikwereti nemabhangi nhasi haisi zvakakodzera, huru mari chikwereti zvikwereti -. WokuRussia Ruble, mugove zvikwereti dhora ari kunyora nezvavo, uwandu zvikwereti kuti zvivako zvitsva pamwe kupfuura pamwedzi kunowedzera"

Natalia Parfyonov, Musoro Sales Regions kuti "Relight mari" zvinoratidza kuti kumusika chaizvoizvo ikoko kutaura mukana wokuti mutsva dambudziko muRussia. Zvisinei, maererano nyanzvi, kuitika kudiwa hazvina kukanganiswa, asi zvishoma nezvishoma mabhanga vari kumutsa mbambo uye rakada kufanana issuance yemutoo wezvikwereti, kuderedza kunonyanyisa mwero ngozi.

Maererano kambani "Incom-Real Estate", mumatsutso 2008, mabhengi kana achishingaira akafukidza zvirongwa zvavo chikwereti, mumwe nehasha yakawedzera zvazvingava, kuisa navo pamusoro prohibitive chechetere. Nhasi, tiri kuona kukura nechikamu 0.5-1.5% kunyanya mabhanga nezvavatorwa guru, asi haisi hopping sezvo aiva 3 years ago. Mukuwedzera, chikwereti musika kuramba kuenda mabhanga itsva, zvinoreva kuramba basa.

Maererano nenyanzvi ari boka, yaivapo dambudziko yepamusoro chikwereti anomukweretesa vachaitwa papera gore rino.

Nokuti vaya vari musatya

Chero tariro kana mamiriro ezvinhu pamisika kuti chikwereti nevaichinja, Alexei Shmonov anoudza vanhu vari zvino kusarudza chikwereti, kunyatsoona zvayakanakira nezvayakaipira. Regai manda kuti nharo dzenyu "kuti" ari kuti hapana anogona kupa kufanotaura zvakarurama sei musika pachava. Hapana anogona kuratidza yakakodzera, kana unogona kutora chikwereti chikwereti, kana imwe nguva apo, somuenzaniso, zvakanakisisa kutenga mufurati. Saka, zvose zvakafanira kuti hombe ano yako pachako kudiwa, kwete kuedza kufungidzira zvinhu kwazvo 5 makore mberi - vakamirira akakwana nguva. Chimwe chinhu, maererano nenyanzvi, zvinokosha kunzwisisa pamwero rakatsiga zvemari yako - kana muri chivimbo mune mari yavo yemberi kugona kwavo kushanda, etc. Zvisinei, ichi hakuna anogona ziva, saka nokuyera zvayakanakira nezvayakaipira, uye kana uchifunga kuti muedzo - ozokwira mogeji chikwereti. Chero zvazvingava, bhizimisi mudzimba dzavo pane rendi.

vanhu Konstantin Shibetsky avo vakasarudza kutora chikwereti, zanhi zvinotevera: chokutanga, unofanira nekururama overenga kugona kwavo pamwedzi kubhadhara kana iwe usingagoni achiipa unhu woupenyu yakawedzera Pamwedzi.

Chechipiri, unofanira kuva Reserve mari nokuda "zuva kuchinaya" kweinenge 6 mwedzi pamwedzi kubhadhara chikwereti chacho, izvozvo achadzivirira kubva pangozi nokurasikirwa nebasa uye mari iri kumanikidzwa asipo panguva yake kutsvaka imi. Uye chechitatu, hazvina banal ruzha, tinoratidza iwe kunyatsotevera akuteerere utano hwavo, sezvo kubva musi chikwereti, iwe uchava akasiyana zvachose upenyu, kuti "kugamuchira pamwe zvikwereti sungiro", uye ivo vanofanira kuita, uye zviri nani kuti kuzviita employable.

Sergei Liadov nechokwadi chokuti munhu mari kunowedzerwa kana kukwereta mu currency umo huru mari inosvika. Panyaya iyi, currency pangozi anokwereta iri kushoma. "The Council for anokwereta hakusi yepakutanga - kwete kuchinja nzvimbo basa isingavimbiki nguva, apo kuramba kwavo mari, uye zvakawanda nebasa yokusvika pachake bhajeti mari" - nyanzvi inoti.

Mhirizhonga zvakajairika mamiriro ezvinhu apo vanhu kutora chikwereti, uye kunyange pasinei nezvinetso zvemari, kutsiga kwayo akabhadhara, asi kuvakwa dzimba yave chando. Ndakazoona nenzira vanhu vapfeke uye kuti chikwereti, uye Rental kwedzimba, uye vachiri handizivi, asi kana misha yavo ichavakwa. Natalia Parfenov rinokurudzira vaya kuzvipa mbiri yokuti chivako chitsva, kunyatsoongorora mari nomukurumbira muvaki, ayo mberi uye akapedza zvirongwa. "Uyewo zviripo anoteerera chokutambudzika kuvakwa, chikuru kuda kumba, rezasi mukana konekwa" - nyanzvi anotenda.

Tinovimba kuti mazano aya kuchaita kuti kamwe zvakare nokuyera zvayakanakira nezvayakaipira uye tora mutoro yokusvika kwemamiriro mogeji mutengapwe. Portal Move.su dai murege kuva kururama nechisarudzo!