How kuderedza mwero iri chikwereti iri mari Bank? Conditions nokuti kuwana chikwereti iri mari Bank

Kudiwa refinancing chikwereti kuonekwe akawanda zviitiko. Chekutanga, chikonzero ichi uve chokwadi kuti rezasi kuti chimbadzo uri chikwereti iri mari Bank. Chechipiri, nokuda kuchinja vachibhadhara pasi kurema dzimwe mari nokufamba. Kunyange zvazvo Sberbank inopa mortgages mu rubles, hazvina kushandura chokwadi kuti nokuchinja dzimwe Exchange chokuita solvency vemo.

State rutsigiro

Usati kushandisa vasanyanye dziine mubereko kana pfungwa kushandisa munhu chikwereti kubhengi, ziva kuti pane zvimwe zviitiko, mabasa vagari kutsigira chirongwa, yaiitisa neHurumende. Zvisinei, kunyange kana mari dziripo kubvira 2015, yava zvakaoma kubhadhara anokwereta, zvinobvira zvinoderedza mubereko prices hwagara huripo mogeji? Zvechokwadi, zvinokwanisika. Uye pamwe ichi, unogona kushandisa anoverengeka kuita.

Kuti zvokuita?

Chokutanga, unofanira kunyora kupa chikwereti womunhu anomukweretesa runoenzanirana kushanda. Mazuvano, mabhanga makuru zvose kuti refinance. Pakati izvi vangazivikanwa nemari. Kana tikatarisa ichi chikwereti sangano vangatarisira kugamuchira mari kuchinja, zvinoderedza kuti pamwedzi kubhadhara vhoriyamu rutapudzo yakafanira.

Kana tichishandisa womukati achiposa achiruramisa chikwereti chibvumirano, Sberbank anokurudzira anokwereta:

• Kutendisa kubhangi kuti mari zvakumbirwa parutivi anokwereta kuchaitwa kuti adzoka.
• Dzidza pamusoro ose anodiwa nuances, kusanganisira huri urongwa uye dzomunyika enyika sangano (kuvapo chikwereti chikwereti ine chimbadzo, somuenzaniso).
• Statement kuronga uye pasi chii chinodiwa akarangana maneja.

Kana kubhangi akagadzirira kusangana application, kuti iri rakapa yakanaka mutongo, akakwereta vachafanira kuita urongwa hutsva uye mamiriro. Zvakakosha kuziva pachine nguva chii mwero iri chikwereti iri mari Bank.

Chii hove?

Zvisinei, kunyange zvazvo nzira iyi ndiyo zvakakodzera uye dzinokodzera mutengi, ayo Implementation haisi nguva dzose zvichibvira, nekuti nemabhengi havadi zvinopesana uye akacheka mubereko prices. Chikonzero havashiviriri refinance, kazhinji vanogona izwi.

Kana anokwereta akaramba kuderedza uwandu vachibhadhara pakuchiva kwayo kune mangwanani mutsividzo muzvikwereti, ndiko zvishoma chiito. Kazhinji, vose bikai pasi kutora chikwereti itsva kubva bhuroka kana mumwe bhanga nani. mazwi. Zvinoreva nyaya yose chakasimba chekuchengetedzwa uye pamberi vakaungana zvakazara pasuru magwaro. Panyaya iyi, kuti nemhosva kazhinji asingadi kusangana nemishonga, izvo zvinoita nzira iyi yakakurumbira zvikuru. Ndiyo mhinduro yomubvunzo wokuti sei kuderedza mwero iri chikwereti iri mari Bank.

Mune zvimwe zviitiko, refinancing chikwereti kuburikidza mutsva zvakakodzera?

In chii Muzviitiko vanofanira kukurumidza kuwana sei kuderedza mwero mubereko achishandisa chikwereti itsva, uye chii kwete? Chekutanga Nyanzvi zvose angarayira kufunga yokupedzisira payout kubva muzana. Somuenzaniso, kana musiyano zvitsva nezvitsaru zvikwereti vachava chete 1%, uwandu pamwedzi kubhadhara uye muripo achava anenge akaenzana. Zvino zvakaitika kutendeuka mubereko rates mitengo, akadaro mukana anogona kukurumidza kuuya maturo.

2% mutsauko havagoni kupa ruyamuro simba, sezvo nyanzvi dzinoti, asi kana munhu akatora mamiriyoni 3 rubles, muti, nguva-gore 25, pamwe vasanyanye zvikwereti kubva 14,5% kusvika 12,5% chete annum, kwakadaro chimbadzo pamusoro mortgages mu mari kunogona kukubatsira kuponesa vanenge mamiriyoni 2 rubles overpayment.

The Pfungwa yechipiri yaunofanira kuteerera - kuvapo nguva kunonoka uye kurambidza kuti mangwanani kudzikinurwa. Zvino hazvibviri kugadzirisa uye mangwanani mutsividzo itsva chikwereti hwakazotevera kuedza perezayma mari kunogona iri nemhosva mugumisiro nezvimwezve zvinetso, kumatare uye matare.

vamwe nuances

Chiizve ungatsauka mumwe chikwereti imba? Sberbank - chikuru chikwereti kupfungwa, asi ikoko ane ngozi ayo.

Unogonawo kutaura kuwana chikwereti chitsva pamusoro payo nokuda currency of mutengi kunokosha nokuti vagari vazhinji Russian Federation kare nematambudziko makuru 2015,. Vaifanira kuita kuchinjwa emadhora kupinda Ruble mogeji. Nezvenyaya iyi, zvinokosha kubvunza kwete chete kuti zvinokwanisika kuti kuchiderera chimbadzo pamusoro chikwereti, asi pamusoro kana Currency shanduko zvinogoneka. Kazhinji, Lenders nyore kupa munhu chikwereti ari Ruble mari, izvo achabvumira dhora kubhadhara chikwereti.

How kushandura mwero iri chikwereti iri mari Bank? mubvunzo uyu inofarirwa nevakawanda.

Ndinofanira kufunga?

Wokupedzisira iyoyo pakugadzirisa vanofanira kuteerera anokwereta - mari mari, saizi kwavo kunodiwa kuti kuvandudzwa chesungano. Verengai mari izvi zvishoma pane chitsama overpayment, vakasarira dai chete chikwereti. Zvisinei, kana ose ezvinhu vari akasangana, uye dziine mubereko yakaderera, unogona zvakachengeteka kuenda kubhengi. Tapedza kudzidza rokutanga Masvomhu uye magwaro akasarudzwa, uyewo zano maneja, kuziva zvinoita kuderedza vafarire anokwereta ne yekare chikwereti kuvandudzwa chesungano. On the Lenders itsva kusanganisira zvichiita kuti vadzokorore rubatso Real Estate.

Uyezve kugadzirisa chikwereti nhasi zvinoita change pamazita anosimbisa chokumbofanobata nokuchinja, rubatso pakuvaka uye inishuwarenzi. Uye hapana musiyano, dzinongoitika kana pamutemo munhu rubatso itsva. Asi kuchinja kwakadaro kwokutanga kondirakiti inofanira kutaurwa tarisiro kwavakazoita kushanda. Muchiitiko chino, zvose kuti kunodiwa kubva anokwereta, zvinoda kuti kupa mashoko. Zvisinei, nyanzvi isati zano kubvunza Maneja iri fanira hwaro. Heano mazano kudzikisa mwero iri chikwereti yako mari Bank.

Kana uye nei unogona kuramba?

Uye kunyange zvazvo kazhinji nzira mvumo chikwereti haakonzeri chero matambudziko munyaya iyi, zvakare, aigona kuva akundikana kuwana mari. In chii chingava chikonzero kuramba kupa chikwereti chikwereti kuna anokwereta yakavanzwa?

Eya, chokutanga, chero bhengi, kusanganisira itsva, achava kutarisa solvency pamusoro anokwereta ramangwana. Uye zviri zvikuru zvakakosha ichi zvakanaka kubhadhara nhoroondo nemamwe chikwereti. Uye chechipiri, aigovera rubatso pfuma rinopfuura yaitevedzana nemiedzo. Hazvina chokuita chokwadi kuti vachangobva aipedza akakweretesa ndeimwe bhengi. Handiti, mutengi vanoda nechepazasi mubereko prices pamusoro yaivapo mortgages Sberbank.

Somugumisiro macheki izvi zvichakurukurwa yakasarudza kana kwete kuti ape chikwereti chikwereti kune mumwe anokwereta nomumwe. Kana munhu aiva nemhosva iri waramba chikwereti nyaya, zvinofanira kurangarirwa kuti kupedzerwa nokuongorora chikumbiro haangazozikamwi reimbursed. The yokupedzisira chitsama mari, Chokwadi, ungangova pfuura 5-10 zviuru rubles, asi mutengi anofanira nguva dzose kunzwisisa chii nengozi achikurukura kubhengi.

Conditions nokuti kuwana chikwereti iri mari Bank

Mortgage chikwereti wakabudiswa mumari Bank anotevera ezvinhu:

- The shoma chikwereti yakawandisa rubles 300 zviuru ..

- The vaifanira haafaniri kupfuudza 80% of kukosha nemari pfuma.

- chikwereti izwi - kubva 5 kusvika 30 makore.

- 20% muripo pasi kunofanira kuitwa.

- interest - 11,75% paminiti annum (10.75% mu "mhuri duku").

kune anokwereta mureza zvinodiwa. Age kubva 21 kusvika 75 makore, yepamutemo basa pamwe uchapupu mari.

Next, funga kuti kuderedza mwero iri chikwereti iri mari Bank.

How kuderedza mwero iri chikwereti iri mari Bank?

Pakadaro, kana nemhosva nemaune kumbokweva chete mubhangi apo chikwereti chinobviswa huru, kuti vawane refinancing, ndiko kushandiswa ekupedzisira, wechitatu nezvaaiita, ndiko kushandisa kurapwa mumatare. Zvisinei, pane zvimwe zvipingamupinyi. An chinokosha ezvinhu ruvanze Maonero mutongo vachida anokwereta - ndechokuti zviri kutyora mitemo wedare kodzero makasitoma zvose. Kana kutyorwa vakadaro havasi kuchengetwa, ipapo vanozviti vanogona hamungaguti. Zvino vanoramba kuchinja chikwereti imwe imba. Sberbank chakakomba zvikuru pamusoro zvaidiwa anokwereta ndechokuti mitoro.

Zvakadini kutyorwa mhando?

Ndezvipi zvinhu zvinogona semhosva kutyorwa? Somuenzaniso, kungava nguva uye waichengetwa mubereko kukarukureta. Rakanyorwawo chinzvimbo №39 CBR 26 August 1998, muitiro yapera zvakajeka zvikuru. Kubva musi urongwa uhwu, kufarira richava bhadharika pamahombekombe nokuda Zvakasara chikwereti chikwereti pakutanga nerimwe idzva mabhizimisi zuva. Chero yakatsauka kubva mutemo uyu, yeGmail.END_STRONG anekodzero kunokumbira magwaro nokuti dzosera kuti overpayment kana kuti pamusoro-anomukweretesa.

VTB24 chikwereti Anogona kudzikisa mwero iri chete chikonzero sezvo iri mari Bank. Ndezvipi zvinoitika chikonzero pakunamata achashanda dare kuti kugadzirisa kuti chikwereti parutivi chikwereti? Kune vaya zvinosanganisira default achishandisa anokwereta kubhengi inopikira. Panyaya iyi, iyo bhuroka kana kubhangi achaita zvizere maererano tichitarisa nechibvumirano chakanyorwa, uye kuitira kuti vadzivirire zvido zvavo zvemari, uye vari kodzero kwete chete yokubva rubatso, asi anoshandawo kudare. Saka kazhinji anoita Sberbank.

Mortgage (kana zvichibvira kuderedza chimbadzo pamusoro Kazhinji mashoko, takakurukura) iri rakapa kwenguva refu. Panguva ino mhuri angachinja Somuenzaniso, mwana azvarwa.

How kuderedza chikwereti kuzvarwa mwana?

chiitiko Kufara - kuberekwa mwana mumhuri, asi hunotova zvekushandisa hombe, izvo zvinogona kuderedzwa kana vabereki vatsva zvinopa uchapupu 2-gomba kubhengi. chitupa ichi anosimbisa pamwero mari uye akazoita nokuongorora chikwereti, kana tikatarisa chero womunhu anomukweretesa. Uye kunyange zvazvo vamwe zvinoda kuzadza kubva nezvimiro zvavo, Sberbank kusimbisa mari anogona kuva chero yakakunakira nzira mutengi.

Kana kuti refinancing kana chikwereti chikwereti wakavhomorwa mhuri diki iyo dzinenge imwe naye ari makore vaduku pane 35, vachava kupiwa rinokosha chikwereti chirongwa mhuri. Zvayakanakira ndeizvi:

• ari co-anokwereta anogona utore vabereki;
• wegore chimbadzo uchaderedzwa;
• zvinogoneka kunonosa pamusoro mutsividzo kuti chikuru kusvika 3 years;
• yokutanga yakavamba zvingaderedzwa kusvika 10%.

Iri nyore uye dzichimhanya abhadhare chikwereti kuchaitika munyika mari Bank.

Kubereka chikwereti refinance anogona kupa Bank, iro atogamuchira chikwereti, kana mumwe abhadhara. Eya, mhuri huru kazhinji kupa chikwereti kuti spec. ezvinhu.

mhedziso

Tingati kuti kana munhu wakamutsa mubvunzo kuderedza mari iri chikwereti, kutanga zviri nani kuenda kupa chikwereti womunhu anomukweretesa. Kana iwe kuwana kukundikana refinance, unofanira kuenda kudare kana kuwana mumwe abhadhara. We akatarira sei kuderedza mwero iri chikwereti iri mari Bank.