Mortgage pamwe wehurumende rutsigiro: Sberbank kweRussia. Feedback pamusoro chirongwa uye mamiriro ezvinhu kupindura

Nokuti vagari Russian chikwereti, kune rumwe rutivi, ndizvo chete mukana kuwana dzimba panorumwe - refu chikwereti muusungwa. The dambudziko 2015 akudzivisa vakawanda mukana kubhadhara yokutanga yakavamba. Nokuti vaya vasingagoni kugadzirisa dambudziko, asi rwezvemabhengi zvekutepfenyura kwakasimbiswa chirongwa bhajeti chikwereti. Zvakawanda pamusoro chii ane chikwereti naye mamiriro (Sberbank kweRussia), pasi chii ezvinhu uye kuti ani anopiwa chikwereti, verenga mberi.

nhamba

Mortgage iri mari Bank pamwe nehurumende, mashoko izvo zvakasiyana neimwe nharaunda, yakakurumbira zvikuru. Mavhiki maviri pashure kutanga chirongwa (18.03.2015) chete muna North Caucasus vanopfuura 150 mafomu vakanga akabvuma. Sberbank achiposa vatengi vari kutenga dzimba muimba itsva. The kunonyanyisa chikwereti yakawandisa mamiriyoni 8 rubles nokuda guru uye St. Petersburg, dzimwe nharaunda - mamiriyoni 3 rubles. Housing akatengesa chete pamutemo masangano abvumirwa mune chaiyo pfuma. anokwereta Risk kushoma. Havana kuzvireva okuwedzera rubatso. Inishuwarenzi chinhu kunogona zvakananga dhipatimendi pamusoro Sberbank kweRussia.

Mortgage pamwe wehurumende rutsigiro achava kushanda kusvikira pakuguma February 2016. Panguva ino, zvinonzi akaronga kupa zvikwereti zvaisvika mabhiriyoni 225 rubles. Muna November 30, 2015, zvakanga mutemo zvikwereti kuti mabhiriyoni 180 rubles. ne 1.5 zviuru. mafomu. Inenge 30% of mari Bank chikwereti zvigadzirwa inopiwa pasi chirongwa chitsva.

Anokanda chepurogiramu

1. Vabatsire kuvaka indasitiri.
2. Batsirai vagari kugadzirisa dambudziko redzimba.

Sberbank: Mortgage pamwe nehurumende rutsigiro

disbursement mamiriro vari nyore:

• Down mubhadharo: 20% of mutengo pokugara.
• Term: makore 1-30 (zvichibatanidzwa).
• Chimbadzo: kubva 11.9% muna rubles.
• Minimum chikwereti chitsama: 45 000 rubles.
• Kunonyanyisa mari: 3 kusvika mamiriyoni 8 rubles. (Zvichienderana mudunhu).

The chikwereti iri wakabudiswa rubles mari yechibatiso vawana pfuma. Vagari guru uye St. Petersburg anogona kutarisira mamiriyoni 8 rubles. Other vagari vanogona kuwana chikwereti kuti anokwana mamiriyoni 3 rubles. Sarudza chinhu kunogona kuva pakati Apartments ivakwe, vakagadzirira akagadzirwa nezvivakwa kana kubva abvumirwa vapemhi. Kupera musi Real Estate hazvina basa. Documents pamusoro kamuri vakasarudzwa zvinofanira kupiwa hapana kwapera pane 60 Mazuva pashure risiti ari rokutanga zvakanaka sarudzo. Mukuwedzera, anomukweretesa tsika zvinoda nyaya upenyu inishuwarenzi uye utano makasitoma ayo. Min Rate mari Bank chikwereti pamwe nehurumende ndiko 11.9%. It haachinji mushure vanyorwa chinhu. Asi zviri kukanganiswa kukura pasi mubhadharo, shoko purogiramu, nhengo iri muhoro chirongwa, munhu "akanaka" chikwereti nhoroondo kare. nokuda kwezvikwereti pasina basa. Pakati okuwedzera mari zvingasanganisira: mari mabasa inishuwarenzi youpenyu uye utano tinyatsonzwisisa kuti vawana vavariro, notarization magwaro.

Zvinodiwa Kuti anokwereta

• Age: pasipasi 21 makore, kunonyanyisa - makore 55 (vakadzi) uye 60 (varume).
• Russian pasipoti.
• Experience panzvimbo yepasisa basa: 6 mwedzi.
• Total basa ruzivo: 12 mwedzi.

The yeGmail.END_STRONG achafanira kukwezva co-anokwereta (vakaroorana, hama neshamwari). Izvi zvichakubatsira kuderedza chikwereti mutoro. The zvakawanda "vabatsiri", dzakanga yemari, zvakatemwa nokuda kunonyanyisa chitsama chikwereti.

The algorithm

Kushandisa kuita chirongwa "Mortgage pamwe nehurumende rutsigiro (Sberbank kuti Russia)", iwe unofanira:

1. Muzadzise fomu, mumwe chiratidzazvizhinji izvo iri mari tsika Website.
2. Unganidzai mureza akagadzirwa magwaro ose vechikamu: pasipoti kopi, mashoko ari mushandirwi, 2-gomba.
3. Kupa bepa chero davi Sberbank kweRussia.
4. Mirira chisarudzo kubhengi.

In zvakafanana, zvakakodzera kuti vatore yakatarwa chechipiri magwaro, chinotaura kuti vawana pfuma. Zvinonzi zvinowanzoshandiswa sezvo rubatso. Very kashoma dzinobvumirana kushandisa nemabhangi sezvo rubatso dzimwe dzimba. Maererano akadaro chinhu kupa: gwaro kunyoresa, kutengeswa uye kutenga chibvumirano, cadastral pasipoti, kubvunza pamusoro kusavapo zvikwereti kubhadhara paruzhinji utilities, mashoko pamusoro kuvarimi.

vatori

In chii mabhanga anogona ngaateme chigadzirwa "Mortgage ne nehurumende"? Mari Bank, "VTB 24", "Gazprom", "Deltacredit", "Bank of Moscow", "RAB". The chido kubatanidzwa mupurogiramu akaratidza 30 hakusi huru chete asiwo mabhanga diki. The mugove wehurumende-anazvo dzemari masangano, uyewo "Kukurukurirana-kubhengi", "Absolut Bank", "Renaissance" zvikwereti chakaita kuti yakakura chikamu vakaronga mamiriyoni 400 rubles. Vanopfuura hafu mari iyi kuenda Tera kuti Sberbank. Mortgage pamwe mamiriro rutsigiro munguva yapfuura dambudziko 2008-2009 akaita chete kuburikidza "VTB". Kusarudza tsika zvemari asingadi kukanganisa chibvumirano chikwereti. Mitemo inotevera chokuwana mari. Anokwereta acharipa kushoma pakati 11.9% chete annum uwandu. The kunonyanyisa muripo uko pemahombekombe vanogona kuvimba nehurumende, ndiyo 5.5%. Bazi Finance ave dzinounzwa kubva hurumende bhajeti rubles mabhiriyoni 20 mari chirongwa. Kubvira pakupera 2015 haana akaurayiwa zano, chirongwa musi wazvinenge akawedzera.

zvabuda

Nokuti chirongwa "Mortgage ne nehurumende" (mari Bank of Russia) richiri kushanda, aunganidze pamwe zvabuda asi. Nepo unogona chete kutaura kutengeswa Real Estate simba. Saka, vanenge zvose Developers kuna April 2015 paiva nomusiyano kuwedzera kwenhamba akasaina okutengesa zvibvumirano. Vechikamu chepurogiramu vakatanga kuunganidza zvinyorwa muna January gore rapera, asi mberi aurayiwe ichocho kuti nokuparura chigadzirwa itsva. First kupinda zvibvumirano ane mashoma bhajeti. The chikwereti akatorwa vanhu vakanga kuverenga pamusoro mangwanani mutsividzo (uyo bheji haana kudaro nenheyo), uyewo vaya akasaina kondirakiti kwenguva pfupi (3-5 Makore) kuti varege kubhadhara mubereko.

Kubva pakati gore rakatanga kubuda vatengi vanenge kare kuyeva kuti pekugara muzvivako zvitsva. Pasinei akaderedza kudiwa, ose mwedzi siyana zvivako zviri todzokera. Izvi zvinonyanya kuoneka pane mukuru padanho takagadzirira zvinhu, izvo akatengesa imba kwemakore akawanda.

Features

Vazhinji zveefa iri kuburikidza Sberbank. Mortgage pamwe mamiriro rutsigiro Chokwadi, izvi zvakaita kudiwa Real Estate. Asi kuchine vatengi uyo, zvisinei unopinza donhwe Ruble, vakagadzirira kuti ape zvikwereti, kunyange panguva mureza ezvinhu. Kana yapfuura vatengi vari kurapwa Sberbank, nekuti paiva yakadereresa zvazvingava, zvino iwe kuwana waiver, vari kushandisa vamwe masangano, uye kwete chete pane mamiriro purogiramu.

mamiriro Program wo achinja. Kare, zvaiita kuti kubhadhara chikwereti kuna nemakore 75. Zvino isu akaisa chikumbaridzo itsva - makore 60 kuti varume 55 - vakadzi. Maererano Realtors, avhareji yezera of anokwereta - 25-35 makore, uye chibvumirano ndiye ainyanya kwemakore 10-15.

Zvimwe finpodderzhka

Ndinofanira kutora mumwe chikwereti Sberbank pamwe nehurumende rutsigiro? On mubvunzo uyu ose zvinogona anokwereta basa pachake. Developers dzinewo kurwira ose mutengi. Kuti izvi zvidaro, vari kukura chirongwa chavo kuvimbika. Vamwe vavo Sberbank chirongwa zvinobatsira.

Somuenzaniso, FGC "Mutungamiriri" uye kubhengi "Opening" yakatanga subsidy chirongwa, kwete chete hurumende asiwo yokuvaka. Terms uye mamiriro ndeinotevera: gore yokutanga yeGmail.END_STRONG inobhadhara 8 kana 10 muzana chete annum, zvichienderana uwandu pasi mubhadharo. Kubva rechipiri gore nhamba inokwira kusvika 11,95% kana kusvikira zvazvingava, ichakupa kubhangi, zvichienderana mari nzvimbo mukwereti wacho. Credit inogona wakabudiswa kuti vaifanira kwemakore 30.

CC "Mutungamiriri Group" anoita mushandirapamwe kuti vagari guru. Buyers chaizvoizvo wenhaka ari kota "Mutungamiriri Park" nharaunda "City Chomufarwa" uye "frontal-City" ari dhisikaundi 12% of zvachose kukosha pfuma, kana dzimba inogona kuwanwa pasi chibvumirano chikwereti. Zvii chikwereti sangano zvichabviswa chibvumirano, hazvina basa.

"Khimki Groups" mberi subsidized mwero nomumwe muzana. Kuti, kana chikwereti iri rakapa kutsigirwa chirongwa wehurumende, kuti nemhosva asingadi kubhadhara 11.9% uye 11%. "City-XXI Century" uye "Absolut Bank" akamisa nezvepurogiramu affiliate kuti kutenga dzimba munyika kunzwisisa "Life Neruvara" pa 11.5%. Urban Group yakatanga chirongwa "Support kuti hurumende kutsigirwa", umo vechikamu vese zvazvingava ipfupi mana muzana.

Sberbank. Mortgage pamwe wehurumende rutsigiro: wongororo

The guru drawback, izvo kwakaratidzwa vechikamu chepurogiramu, - duku pakusarudza Real Estate. In abvumirwa ne Sberbank anokwereta inflated redzimba mitengo. Uye kana ukatenga mufurati kuburikidza neimwe kambani, mwero kuchawedzera. Dambudziko rechipiri - mukuru kutanga muripo. Pasi chibvumirano mureza chirongwa, mukwereti anogona kuita 10% muchimiro imwe mberi. Zvino mufananidzo uyu yawedzera 20%. Izvi zvinoreva kuti kana vanhu vaizowana "kopeck chidimbu" mune imwe nzvimbo, iye zvino zvakaoma inokwanisika chete yokurara furati kana Studio mufurati. Chimwe chigumbuso - the chimbadzo. Kutaura zvazviri, zviri kuwedzera munenge 1%. A kukarukureta pakati chikwereti nehurumende. Sberbank akagadzirira kupa chikwereti kuna nemhosva nokuda 11.9%. In chinodiwa iri mhedziso chibvumirano pakati inishuwarenzi yacho anokwereta upenyu dzinenge 1 gore. Pashure pemwedzi 12, mukwereti vanofanira kuvandudza inishuwarenzi, zvimwe inoenzanirana kuchawedzera kuti 12,9%.

Panguva iyoyowo, anokwereta vanoti yakanaka divi. Chokutanga, regadziriro chokutambudzika kwose nyaya dzemapepa muzvirongwa Maneja. Vatengi kuonekwa chete kusaina chesungano. Chechipiri, kunyange vane mari inishuwarenzi rendi iri zvishoma kupfuura rendi kuti zvakafanana mufurati.

The pasi

Budget chirongwa unokubvumira kutenga zvinhu panguva zvaunoda chimbadzo (by 11.9%) kusvika makore 30. Anokwereta ane kodzero yokushandisa maternity guru kufukidza chikamu chikwereti uye kuwana yomutero yaanobhadhara. Asi chirongwa ane zvainovhiringidzawo ayo. Chokutanga, vashomanana pokuita mabhanga. Kune chete 30. Asi of facto mune diki dzematunhu maguta vanogona kushandisa chete "VTB 24" uye mumari Bank. Wechipiri - kwokutanga kubhadhara 20%. Enzanisa mu "TCB" mukati chirongwa wehurumende chete vanogona kugamuchira chikwereti, kubhadhara ane pachine kubhadhara 15%. Ukuwo, mari zvikuru achaita zvinogona anokwereta somunhu pasi mari, rezasi ari chimbadzo pamusoro iye anogona kuverenga.