Inishuwarenzi Life ane chikwereti kana kwete hazvo?

Munguva yedu huru enyika uye zveupfumi ukapisa murwi vose kuedza kuzvidzivirira vavo mari. No kunze uye rwezvemabhengi masangano. Izvi ndezvechokwadi kunyanya zvikwereti kwenguva refu uye kuyeuka njodzi. Imwe nzira rokuponesa mubhizimisi kubhengi ndiyo inishuwarenzi. Nokuda kwezvikwereti kwenguva refu, kunyanya pekugara, kunoratidzwa nzira pakubata nengozi, sezvo upenyu inishuwarenzi pamwe mogeji.

Mibvunzo kwemamiriro zvibvumirano rweinishuwarenzi

Mhedziso kudiwa chigadzirwa ichi panguva padariro nokusaina chikwereti chibvumirano ikoko, asi chero bhengi zvikuru maonero kumhedziso akadaro, saka mikana yokuenda zvakanaka mugumisiro panguva nemhosva pasina inishuwarenzi vanowanza razero. Nokuda yakadaro nenzvimbo kubhengi hakusi kuedza kumanikidzira kunze kunonyanyisa nhamba yeGmail.END_STRONG mari, asi vachiedza kudzivirira mubhizimisi. Sezvo mukuru hunofa kunaka munzanga pezvakaitwa vawande ngozi dzisiri kuita zvikwereti.

Saka, chibvumirano kuti inishuwarenzi youpenyu, kunyange seri noruzhinji, asi ari chinodiwa chokuwana yakanaka mugumisiro pachinhu mortgages. The chimiro uye zviri chibvumirano zvingasiyana zvinoshamisa zvichienderana kusarudzwa kana ndakarumbidzwa ane rutsigiro inishuwarenzi.

Kuda kuchengeteka rwezvemabhengi masangano nemakasitoma 'upenyu

Kazhinji, chibvumirano inishuwarenzi youpenyu haisi mubhengi, uye pamusoro kambani kunangidzirwa kushanda pamwe unogona kukundikana kudzokera rakumbirwa mari. Naizvozvo, kazhinji nemabhangi kupinda zvibvumirano pamusoro kungoreva zvinobetsera ezvinhu uye anotaura vatengi vavo makambani chaizvo. Kudiwa ukama zvakadaro nokuda zvinotevera:

- iri zvinoitirwawo chiitiko insured chokuita utano, mari nokuti yeGmail.END_STRONG inoita insurer;

- panyaya rufu anokwereta haumanikidzwi kumirira kusvikira hama vauye kodzero muridzi;

- kurasikirwa yeGmail.END_STRONG wacho solvency zvinogoneka mwedzi mitanhatu-kunonoka.

Saka, upenyu inishuwarenzi aine chikwereti mumwe zvinokosha ezvinhu nokuda kwemamiriro chikwereti chibvumirano.

Risk Zvinotaura tinongorarama kwemakore mashoma nokukwereta kubudikidza mabhanga Russian

mabhanga vakawanda muRussia, vakapiwa aiminama ezvoupfumi mamiriro ezvinhu, akaita kwaro mubumbiro anoverengeka zvokudya vedare muitiro uye mamiriro ezvinhu achivaratidza zvikwereti refu-refu. Kukumbira Social Research "Mortgage mamiriro nemabhangi" yakaratidza kuti vazhinji nemabhangi ano vakaita kugara kuwana zvakanaka mugumisiro.

Maererano urongwa uhwu, mabhengi vanomanikidzwa kusika pedzimba inishuwarenzi dzavo kana kupinda zvibvumirano pamwe nemakambani ari kare-chinosimbiswa inishuwarenzi. Sezvingatarisirwa, pashure kutambura izvi mari, mabhengi kusimudza mubereko prices pamusoro zvikwereti-refu kuti vatengi vavo.

chikwereti inishuwarenzi muna Sberbank

Sberbank - dzepamusorosoro sangano iri Russian kumusika mabasa zvemari. Saizvozvowo, sangano rine kupa kupfuura akanaka ezvinhu kuti kuwana zvikwereti. Upenyu Insurance kuti chikwereti ndiyo yakanaka chikonzero kuti zvakanaka mhinduro kuna yeGmail.END_STRONG wacho kurapwa.

Apo-yakareba chikwereti ukama munogara njodzi unaccounted kana simba majeure. saka zvakanga zvakafanira kudiwa chombo akadai "mari Bank. mortgages, inishuwarenzi youpenyu" chokushandisa ichi kunobatsirawo pamusoro nhamba dzinogutsa vachiriita vagere munyika vanoda kuronga zvikwereti. Kana kuramba mari Bank kwakachengetwa kodzero adzokorore uye kuti kumutsa chimbadzo. Kupiwa shoma achiposa mari, kubva muzana ichi yekudyidzana chokuita wokupedzisira Mari chikwereti wechivako.

Actual ezvinhu refu chikwereti mumari Bank

Akapa nokufamba iri mari pamusika, Sberbank anoisa chiero prices ari chikwereti yakareba. Somuenzaniso, pari ane nhamba chaiyo 14,5%, zviri kushanda kusvikira 28.02.2015. Kana kukundikana mutengi kushandisa "nemari Bank: mortgages, inishuwarenzi youpenyu" basa mudziyo kwaari zvazvingava rinobuda kuti 15.5%.

Asi pasinei ose nuances, uwandu rakapa zvibvumirano Sberbank inoremekedzwa hukuru chinzvimbo pamusika yemutoo wezvikwereti-refu. Vatengi vakawanda zvakakanganisika vanotenda kuti kana iwe tora mumwe chikwereti (Sberbank), inishuwarenzi youpenyu kunokosha. Mashoko aya regai anoenderana chaichoicho, sezvo mari Bank haana vanotyora mitemo yeUnited, izvo zvakananga akaratidza kodzero "chinhu optioneel upenyu inishuwarenzi kuwana zvikwereti kwenguva refu."

Mortgage Insurance muna VTB

Chimwe chinonyanya kukwezva mabhanga pamusika ndiro zvikwereti-refu pakati VTB.

Kuderedza kana kubvisa zvinogona ngozi sangano iri vakasuma vamwe mhando munataisireva inishuwarenzi, zvichienderana kureba, mhando uye uwandu chikwereti. The vanokwanisa mutengi kusarudza chikwereti kuna mushandi uye kuti rudzi kurapwa tsika kunodiwa kuverenga zvinotevera gwaro, "Mortgage: mamiriro enyika mabhanga," kunzwa musiyano uye sarudza zvakanaka kurapwa. Gwaro iri kunoita kuti uone zvose zvakanakira chikwereti VTB, uyewo anotanga zvinogona mutengi pamwe "VTB Insurance" hurongwa.

Zvinoumba mogeji VTB

VTB kwakasimbiswa ine refu chikwereti inishuwarenzi hurongwa, zvinosanganisira zvinotevera zvigadzirwa:

- kusakwanisika rokubva mipiro nokuda kufirwa kushanda inokwana mukwereti;

- kusakwanisika rokubva mipiro nokuda rufu mukwereti;

- kusakwanisika rokubva mipiro nokuda kukuvara kana kurasikirwa koratararo;

- kusakwanisika rokubva mipiro nokuda kukamurwa kana kugumiswa vaiva chinhu rubatso (kwemakore matatu).

Pasina chibvumirano ne VTB "Mortgage: inishuwarenzi youpenyu," chinangwa chikwereti anokwereta anova husingakuvadzi musimbise. Kuti chigadzirwa ichi zvikuru purofiti, VTB anopa inishuwarenzi chinoratidza kuti zvinosanganisira zvinotevera nengozi:

- moto;

- njodzi;

- migumisiro mheni;

- nemigumisiro nokuputika mudzimba gasi;

- migumisiro kukuvara mvura;

- nemigumisiro kuwa kupeperetswa;

- zvakaipira mabasa zvisiri pamutemo.

Pakupa uchapupu chero izvi zvinhu, purogiramu inopa kuti muripo zvokurwadza kwayo chaiyo kukura. Kana muripo runopfuura uwandu hunoshamisa munataisireva, musiyano iri rwakabhadharwa kuna anokwereta.

Mari upenyu inishuwarenzi pamwe mogeji

Mari inishuwarenzi youpenyu ine chikwereti anoenderana zvinhu zvizhinji, asi kazhinji hapana anopfuura rimwe nehafu muzana wokupedzisira Mari chikwereti wechivako. On paumbwe mutengo aaiitawo:

- pabonde (vakadzi sezvo kurarama kunopfuura varume chimbadzo kwavari idukusa varume);

- zera chikamu (muganhu pakati pemakore makumi maviri kusvika makumi manomwe makore muchiuto - 45);

- mamiriro hutano anokwereta (nhaka uye chisingaperi zvirwere zvinogona kuva sezvisingakundiki chipingamupinyi kuwana zvikwereti);

- mukana nebasa kukuvara , zvichienderana nemhando basa;

- zvido (zvinhu mitambo ngozi vane inokanganisa pamusoro interest).

In matsva zviri muupenyu inishuwarenzi ane chikwereti yazova chimwe chezvinhu zvinokosha zvinhu zviri ukama pakati rwezvemabhengi masangano, makambani inishuwarenzi uye vatengi vanoda kuwana zvikwereti-refu nomumwe uye tose tibatsirwe. Naizvozvo, kana akapa mortgages, inishuwarenzi youpenyu kunokosha. Handiti, zvinobatsira kwete chete kumabhengi asiwo anokwereta.