Chii chinodiwa kuti chikwereti: mazita magwaro, inishuwarenzi, kunyoresa deadlines

Kuva kwako mufurati - hope, zvichida, mhuri imwe neimwe muduku. Zvisinei, haasi munhu wose anogona kuuya hwomutambarakede yakadai: mutengo Real Estate iri pari nokuputsa zvinyorwa zvose. Asi musafunganya! Nokuda kwete kare akazviratidza mhando anomukweretesa - mortgages - iri chido vechidiki wava noitika!

Musimboti chikwereti

Mortgage - haasi chinhu asi chikwereti kuzotenga wakare zvechokwadi (furati imba kana). Kusiyana nezvimwe mhando zvikwereti, iri nguva refu pfungwa, vakapiwa anenge 10-15 makore. Uye ichi zvinonzwisisika: kuzochera kubhadhara makuru panyaya urongwa mortgages kwenguva pfupi nguva, kwete vose anogona. Asi kana imi kugovera mari iyi 120 mwedzi refu kana kupfuura, zvinoitika chinhu ukoshi chaihwo.

The chinhu chechipiri chikwereti - a fanira rubatso vawana pfuma sezvo rubatso. Zvakafanira kuti kubhangi nechivimbo mangwana. Pashure pezvose, kunyange kana nemhosva asingadi kubhadhara zvikwereti zvose nguva, akakweretesa zvichaita chete dema: mupanda / imba vachaenda pfuma yake.

Chechitatu chepfungwa vaiona mhando mbiri (ndizvo zvaunoda kuti chikwereti munhu fanira hwaro) - kuvapo kwokutanga mubhadharo. Kana pasina munhu anobvunza pamusoro Kuwanikwa pachavo mari pano pasina pavo havangagoni kuita kugadzirwa mutengi chikwereti. Kazhinji, shoma kukosha chikamu kubva 10-20% of kukosha pfuma wokutanga.

Zvokukura kunyoresa chikwereti

Anotevera matanho anokosha anofanira kuitwa kana uchida kuwana chikwereti kutenga mufurati / imba:

• Kuwana achida pfuma. Zvinokosha kucherechedza kuti mamwe mabhanga vari vaifarira kuti zvivako zvitsva. Saka kazhinji kana kutenga mufurati ari ichangovakwa imba akakweretesa rinopa zvikwereti pa kukwezva kufarira prices.
• Kugadzirira runodiwa magwaro.
• Shandisa kubhangi kuti mortgages. Zvakanakisisa dzinoshanda masangano akawanda. Zvichida imwe yadzo dzinobvumira chikwereti.
• With yakanaka Achipindura chikumbiro dzikavaka kushanda kuti dhipatimendi masangano zvemari kuronga kuti chikwereti chibvumirano.
• Kana zvakakodzera, ronga pfuma inishuwarenzi, upenyu uye hutano anokwereta.

Sezvaunogona kuona, kuti chikwereti kuti zvivako hakusi nyore, izvi achatora nguva yakawanda. Asi hapana munguva yemberi hazvigoni kuenzaniswa mugumisiro zvinhu zvakadai - kurarama mufurati rake. Kunyanya, achiziva dzinokosha nhanho chikwereti kunyoresa, zvose unogona tenderera zvikuru nokukurumidza.

Mortgage: mamiriro ezvinhu chokuwana

Zvino, vakawanda masangano zvemari kupa minamato yavo kupa chikwereti nokuda akadzikunura kuva pfuma. Zvose zvinhu zvavo vane nevamwe ruoko rwavo pachavo, nzira dzavo uye zvinodiwa. Asi pane zvakawanda zvinokosha, raishanda kufanana mamiriro mumapoka akawanda. Ivo ndeinotevera:

• mari mortgages. In nyika yedu, unorema zvikwereti wakabudiswa rubles Russian, asi pane nyaya yacho chikwereti pekugara muna US madhora uye euros.
• Kwakakura mubereko for kwakadai anomukweretesa zvinowanzoda tsika kubva 10 kusvika 16%. mashoko akarurama panyaya iyi haanganzi bhengi, nokuti zvinoenderana zvinhu zvakawanda (mari yacho anokwereta, chikwereti rokuti, uye zvichingodaro. D.).
• The kwokutanga mubhadharo. Maererano zvinodiwa nhivi dzakawanda, mumwe yeGmail.END_STRONG kuwana chikwereti anofanira kuwanikwa kanenge 10% pfuma ukoshi.
• The chikwereti mazwi. chinhu ichi anosarudzwa pachishandiswa pamusoro solvency pamusoro anokwereta wake zvido.
• Vanodzokera muzvikwereti muchimiro vachibhadhara uri pamwedzi rokubhengi. The tsika mari zvose kare waiti ari chikwereti chibvumirano.
• Sechokumbofanobata kuti chikwereti Vanosungirwa kunyoresa rubatso vawana pfuma.
• Kazhinji, inishuwarenzi kunodiwa uye kunyoresa: chikwereti chinhu, upenyu, utano uye urema anokwereta.
• Kuita Kukoshesa basa. Izvi zvinoitwa akazvimirira yokunyatsoongorora masangano. Vanoenderana kubhangi nokuguta chaizvoizvo inonzi kukosha mufurati / imba.
• Kupa ruzivo pamusoro mari. Izvi achabvumira chikwereti hapana chokwadi solvency yacho anokwereta.

raida magwaro

Achitaura pamusoro kudiwa pasuru kubva kuchengetedzeka, zvinofanira kucherechedzwa kuti mazita ichi chinogona pfupi kana vaisanganisa mune nomumwe kambani. Pasi inokosha mazita zvinyorwa yokunyoresa chikwereti, izvo nemabhangi kazhinji kubvunza:

• Application fomu kuti chikwereti
• Identity gwaro. Kakawanda, sezvo anoita somunhu pasipoti munhu mugari wenyika Russian Federation.
• The okuwedzera gwaro rechipiri kuti dzipupurire zivikanwo: uto ID, pasipoti, chitupa chokutyaira kana mudyandigere kadhi.
• Mashoko zvakaoma.

Zvinodiwa Kuti anokwereta

Itai mari zvakanaka hazvina kukwana kuwana zvikwereti. Banks kumanikidza zvimwe zvinodiwa pamusoro anokwereta. Chokwadi, zvichienderana sangano angadzorwa dzakachinjwa zvishoma, asi chaizvoizvo kwavo anenge sezvinotevera:

• Kuvapo Russian chizvarwa. Izvi runoratidzwa munhu Russian pasipoti.
• Age panguva chikumbiro ndiwo makore 21 uye pakazopera chikwereti izwi makore 60.
• Kusavapo "dema" chikwereti kare.
• Permanent dzokugara kunyoresa munzvimbo chikwereti.
• Employment panzvimbo imwe kwemwedzi dzinenge mitanhatu, zvinonyatsorehwa ruzivo panguva imwechete inofanira kupfuura gore.

Inopa kutungamirira mabhanga

Kuderedza zvinogona anokwereta kudya sarudzo inofanira kukurukurwa inotevera tafura, iro rine mubereko mwero iri mortgages munyika yacho mabhanga.

Mortgage Sberbank

Hapana chakavanzika Sberbank kweRussia - mumwe zvikuru mabhanga munyika. Izvi anotsanangura kusarudza vatengi akawanda sangano iri. Uye zvikuru rokuvaka pano, achiposa mabasa kune Real Estate zvekutepfenyura. Zvinogona anokwereta havadi kudzidza, unofanira kuva chikwereti pamusoro chikwereti.

Anotanga zvaidiwa zvinodiwa kubhengi. Chokuita vatengi, vari sezvinotevera:

• Russian citizenship.
• Age kubva 18 kusvika 75 makore.
• A zvachose uye chepamutemo basa.

Anouya chete mortgages iri mari Bank anotevera ezvinhu:

• The kukosha interest - kubva 11,4% pa annum.
• Kuwanikwa zvakarurama - 20% pfuma ukoshi.
• Izwi ane chikwereti - kusvika makore 30.

Zvakakosha kuziva kuti asati hurumende kunyoresa vaiva kukosha chimbadzo inowedzerawo 1 kubva muzana pfungwa. Zvakawanikwa zvikuru izvi zvingangoisa mungozi uye kuramba vanyorwa akawana pfuma inishuwarenzi, upenyu uye hutano anokwereta.

Mortgage mu "VTB 24"

"VTB 24" ane wechipiri soro zvemari kuita ari chepamusoro kuti mabhanga Russian. Naizvozvo, nzvimbo kuti nokurondedzerwa munyaya ino kuti unoda kuti chikwereti kambani. Kunyanya kuti chigadzirwa wavo ane zvikuru kukwezva ezvinhu uye kuwana guru chikamu vemo.

Saka, kutanga kuti zvakanaka kupenda ezvinhu chikwereti mu "VTB 24". Ivo ndeinotevera:

• interest - kubva 11,9% paminiti annum (mu pfungwa pamwe nehurumende rutsigiro);
• Kuwanikwa zvakarurama - 20% of kukosha pfuma;
• iripo chikwereti chitsama - kubva 600 kusvika 8.000 rubles;
• Chikwereti izwi - kusvika makore 30.

Next, tinofanira kutaura Zvinodiwa anokwereta. "VTB 24" anoisa mberi vari:

• nemakore 21 panguva hwokushandisa kuti chikwereti uye kwete nemakore anopfuura 70 panguva mutsividzo;
• Kureba basa - kwete gore asingasviki chete.

Insurance uye mortgages

Kana chikwereti chikwereti anogara kupa inishuwarenzi gwara iri akumbira kuti akatenga nzvimbo. Izvi kudzivirira zvose anokwereta uye pamahombekombe yedambudziko: moto, kudengenyeka, etc. Zvinonyatsozivikanwa kuti nguva kururama kwemashoko inishuwarenzi yakadaro iri kakawanda kuti gore rimwe ... Asi izvi hazvirevi kuti pashure nguva ino chaiyo pfuma inishuwarenzi, unogona kukanganwa! kukweretesa nyaya inofanira kuchengetedzwa kubva pangozi kusvikira zvizere mutsividzo yacho yeGmail.END_STRONG mari urongwa kuripwa chikwereti.

Property inishuwarenzi Gwaro - kwete chete yaidiwa gwaro kubva UK. Saka kakawanda akakweretesa zvinodiwa uye zvimwe inishuwarenzi panguva kunyoresa mortgages. Zvinoti: mutemo upenyu uye inishuwarenzi utano, mukwereti wacho kuita. Chokwadi, maererano nomutemo Russian, pemahombekombe havana kodzero kumanikidza nemhosva kune magadzirirwe kwakadai inishuwarenzi. Financial masangano, pfungwa, uye achiuya, asi kuita kuchengetedza, kuti Kurambwa ayo chimbadzo rinobuda 1 kubva muzana pfungwa.

Zvinokosha kucherechedza kuti bhanga mutengi havangagoni kutenga zvaidiwa inishuwarenzi Mutemo kambani inishuwarenzi chero. Kakawanda, munhu akakweretesa anokwirira zvavanoda kuti kusarudzwa neyokupedzisira, uye dzimwe nguva inopa mazita abvumirwa makambani, pakati paunogona kusarudza kupfuura yakakodzera.

Zvino, achiziva zvaunoda kuti chikwereti, zvinogona anokwereta havafaniri chokwadi kudiwa kuwana chikwereti. Usati, uye neimba yake hapana chinotsiva!

Sezvinogona kuoneka, hazvina chaityisa saka, ichi ndicho chikwereti: mamiriro chokuwana uye zvinodiwa kuti anokwereta hazvidi kutyisidzira anogona anokwereta. Pazvese, havafaniri kutya matambudziko uye kutamira kune chinangwa chayo.