Mortgage: risingamboshandisi nguva, mamiriro kugamuchirwa. Shoma rokuti kweuto mogeji

A padenga musoro wako - ndicho chinhu chakarurama wose. Asi zvinosuwisa kwete vose vanogona kuchitenga pachavo. Uye vamwe chete havana chaicho chitsama. Zvadaro kubatsira mumwe mogeji. Shoma nguva, maererano pamutemo nenhamba, ndiye gore rimwe. Asi chaizvoizvo?

Vhuṱanzi

Chokutanga, ndinoda kutaura kuti tsika anozivikanwa mazwi matatu chikwereti chikwereti: pfupi, nomutoo uye refu. No maererano dzavo nguva haako. Kana ichi zvose kunotemwa pamahombekombe zvakananga. Kune mamwe masangano avo vanobvuma kuti rokuti mutsividzo chikwereti vatengi vakasvika mwedzi 12. Vamwe vanoomerera pane makore 2-3.

Pashure pezvose, nemhaka yokuti vanhu kuti kubva pane chikwereti, mabhengi kuti mari yakanaka. Nokuda mubereko kubhadhara kubudikidza vatengi. A chitsama asi guru. Handiti, pekugara hakusi chisingakoshi zvakanaka ikozvino, uye vanhu vanoita panze zvikwereti zvakakodzera. Uye ichi rinobva mabhanga purofiti akanaka. Uye zviri nani. kuti mutengi mubereko iri kubhadharwa chero zvichibvira.

pamusoro ezvinhu

Asi zvakadaro pane mukana kuti kubhengi anotendera munhu basa akadai chikwereti pfupi. Shoma izwi - pagore. Hazvina zvakafanira kufara akashaya, sezvo yeGmail.END_STRONG vachagara kumirira mukanyiwa of nuances.

Somuenzaniso, imwe basa inonyanya kufarirwa urongwa zvemari mu Russia - "akachengeta". Ngatiti munhu akatarisa sandara nokuda mamiriyoni 5 rubles. The kwokutanga muripo achava 750 000 zviuru. Kuzora. Rate - 15% pa annum. Mortgage munhu pasi ezvinhu akadaro anogona chete kufarira zviri chiitiko kuti aizokwanisa kubhadhara pamwedzi hurongwa 385 000 rubles! Panguva iyoyowo, maererano nemirau, mari ichapiwa sechikwereti haafaniri kupfuudza 40-50% of yeGmail.END_STRONG mari. Zvakaratidza, mumwedzi munhu anofanira mari vanenge 800 zviuru. Kwiza nechekuzasi. The mubvunzo unomuka: Ko munhu ane mari ini kuda mogeji? Zviri nyore zvikuru kuti kumirira kutenga musha nokuda mari.

Asi zvinokosha kuti vadzoke nyaya. Mumamiriro ezvinhu akadaro, asi overpayment pamusoro chikwereti kuti gore achava vanenge 355 zviuru. Kwiza nechekuzasi. A mari zvizere akabhadhara achava akaenzana ~ rubles (ndinoiitawo usakanganwa pamusoro kwokutanga muripo) mamiriyoni 4,6. Zvisinei, ichi ndiwo muenzaniso mumwe. Munhu wose anogona overenga zvose pachangu, nokuti ichi pane mogeji karukureta.

Zvinodiwa Kuti anokwereta

Muchidimbu munokosha achiudza, uye chii vanhu vanogona kunzi sevanogona vatengi pakati kubhengi. Nekuti kuwana chikwereti unofanira kusangana zvimwe zvinodiwa.

Age - wokutanga ezvinhu. Munhu anofanira kunge kanenge 21 panguva kurapwa. Iye mugogona musha chikwereti chete kana anokwanisa kubhadhara pamberi aurayiwe makore 60.

Kukosha basa ruzivo. Minimum - rimwe gore. Uye pazuva rokupedzisira basa - 6 mwedzi. Munhu kazhinji kuti kwenguva refu chikwereti, kana kushandira vabatsirwe mumwe chete sangano kwenguva refu. Izvi zvinoratidza chacho hachichinji uye basa. mari yakati sandara, nenzira, zvinofanira kuva kwechokwadi bhuku 2-gomba. Uye kunokonzera mari yacho munhu - nani.

Mubereko uye mari

The zvazvingava wegore dzingasiyana. Kazhinji, kubvira 9% kusvika 17%. It zvinoenderana zvinhu zvakawanda. Of kukosha mukwereti wacho muhoro, mari ongororo nzira, kukura pasi muripo, mhando chimbadzo, uye kunyange rokuti chikwereti. Mortgage kwegore Somuenzaniso, achava isingadhuri pane chikwereti kwemakore 15. Pano musimboti ndeichi: dzakanga rokuti, kufarirwa zvikuru. Panzira, kuti kuyangarara mwero iri isingadhuri kubudikidza 1-2%. All nokuti aivimba vashoma. Pashure zvinoyangarara zvazvingava rinowanikwa maererano imwe nzira iyo zvinoratidzwa kondirakiti. Kazhinji hwakasungirirwa kune prices pamusoro interbank pamusika. Sezvo tiri nyanzvi nechivimbo, akayangarara mwero ndiro rinobatsira vanhu vanoda kutora nguva refu chikwereti. Saka kana uri kuronga chikwereti kwemakore 10, zvinokosha kufunga sezvo nezvechisarudzo kuponesa ichi.

Uye vaviri mashoko pamusoro kutanga muripo. It kunodiwa, uye yemanyorero zvichisiyana 10 kusvika 30 muzana. Kana zvichiita, zvakanaka kuita kunonyanyisa uwandu. Nekuti kuti kuchaderedza inoenzanirana. Uye kana uchida akanakisisa uye zvikuru yokuita ezvinhu, zviri nani kushandisa kubhangi, kadhi iyo munhu anogamuchira muhoro. Uchabatsirwa achaitwa dzaona chete mogeji karukureta.

purogiramu inokosha

Special ngwariro vangada kutaura muchiuto mogeji. About zvose ndanzwa, asi kwete vose anonyatsoziva chii. A nyore nguva. Murayiro pamusoro mari chikwereti marongedzero kupa pekugara kune uto anovapa mukana kutenga mufurati kwokutanga zvikuru kupfuura kuguma basa ravo.

Sei kuitika? Nokuti uto rakavhurika rokuponesa nhoroondo, izvo kukasawedzerwa pamwedzi neHurumende. Avhareji yegore negore vaunganidza vanenge 250 000 rubles. Pashure pemwedzi 36 kusangana purogiramu muchiuto vangada kushandisa kugamuchira mashoko gwaro, iyo aimupa kodzero kuti Vanosarudzwa zvikwereti dzimba. Next, iye otora imwe pfuma rinonangana zvinodiwa Defence Ushumiri, kambani yacho inishuwarenzi, mubhengi uye kuda kwake. Zvino anotaura kupfungwa zvemari, chikwereti vashandi. Zvadaro anozarura nhoroondo uye anotamisa nayo kare vaunganidza panguva mari yepurogiramu. Izvi zvichava ake muripo kwokutanga.

The kunonyanyisa chikwereti Kukura nokuti uto iri, maererano nemashoko ose 2015, mamiriyoni 2,2 rubles. Pashure kujekeswa ose nuances uye ongororo magwaro ari chibvumirano. Zvino vennomu ngaateme pamutemo gwaro chinosimbisa kodzero yake vaiva Real Estate kunyoresa.

Mari uye deadlines

Credit wakabudiswa murwi chirongwa ichangobva kutaurwa, haafaniri kuripa izvozvo. Kubhadhara dzinoitwa FGKU "Rosvoenipoteka". Uye kutora mari kubva batana bhajeti. The rendi rinowanikwa maererano mumwe musimboti. Ndiye 1/12 uwandu kuchengetera kubhadhara. Ndiko, kana musoja pakupedzisira unganidza rubles miriyoni imwe mwedzi wose nokuti vacharipa vanenge 84 zviuru. Kwiza nechekuzasi. Zvakaratidza zvikuru zvinobatsira.

Shoma rokuti kweuto chikwereti ndiwo mwedzi 36 (kureva makore matatu). Maximum zvakare ine painogumira. Panguva mutsividzo dzemauto havafaniri kuva makore anopfuura 45.

Sezvo tsika inoratidza chirongwa kunobatsira chaizvo. Kana uchitenda nhamba, 2-makore, ipapo anowanikwa yacho zvishoma masoja asingasviki zviuru 100. Saka Mari yose vakasvika mabhiriyoni 143 rubles.

Credit pamwe mamiriro rutsigiro

Nokuda kuderera mamiriro ezvinhu, magariro chirongwa yambokurukurwa pakuvaka pamusika. Vamwe Mapato vemunyika vakatanga kupa dzinopiwa kuti kuti kutenga musha kwazova chaivo kwavari. Rinofanira kuitwa nokukurumidza munzanga chirongwa - rakagadzirirwa vaduku mhuri mortgages pamwe nehurumende rutsigiro. ayo kukura misi zvakafanana mune mwero zviitiko. The zvinobvumidzwa kunonyanyisa - makore 30.

Kutsvaga ngaakubvumirei hakusi nyore. Usati wawana pamusoro vambondimirira, zvakakodzera kuunganidza zvinyorwa uye zviedzezve somunhu zvinogona ubatanidzwe purogiramu kuti abvume. Imwe neimwe vachizoenda kuva Russian citizenship uye inyoreswe munzvimbo dzokugara kwemakore anenge 11. Age mumwe kuti vave mukati yechinangwa 18 kusvika 35. Kubva magwaro vanoda muchato uye pasipoti. Kana uine vana - magwaro achisimbisa kuvapo kwavo. mwana wese - iri kuwedzerazve 5% of map. Nokuti mhuri ina vamwe vaviri, kukura dzinounzwa yakawandisa 30% of mutengo pokugara.

More hunozodiwa mashoko zvakaoma, mashoko Nhoroondo uye kopi passbook.

Terms uye zvemupiro mabhanga siyana

Zvinofanira kukuudza zvakawanda pamusoro chii zvinhu vaduku mhuri kupa inozivikanwa masangano zvemari mubasa urongwa mabasa akadai, akadai mortgages. Shoma nguva waiti nomumwe. Asi vaifanira zvakasiyana munhu wose.

Somuenzaniso, "mari Bank" anopa chikwereti kwemakore 30. Possible chitsama chikwereti mamiriyoni 3.2 rubles. Rate - 12% chete annum, zvirokwazvo kubatsira 20% of mutengo pokugara.

"Agricultural Bank" Anonziwo aidaro pakupa rubatsiro akadai mortgages. Shoma izwi - 1 gore, kunonyanyisa - makore 30. Possible chikwereti huwandu akaenzana mamiriyoni 20 rubles, zvaida kutanga mubhadharo 10%. zvazvingava The wegore 14%.

"VTB 24" anokumbira 20% kubhadhara. Mari inogona kutorwa kubva rugwaro pamusoro subsidy. Asi inokurudzirwa kurishandisa kutenga dzimba muimba itsva, uye mubhengi chikwereti kuti ape kuti kubhadhara mari yasara. Zviya, "VTB 24" rinobvumira kushandiswa maternity guru. Vanogona zvakaenzanirana yokutanga yakavamba.

About zvikomborero

Saka, zvakakwana akati nezvazvo, nokuti yakareba sei, uye kupa chikwereti unofanira ribude nayo. A mashoko mashoma chingataurwa pamusoro zvinobetsera chisarudzo, iyo inopa zvikwereti dzimba.

Nzira yakanakisisa kuponesa mari - kutenga dzimba pasi kuvakwa. Zviri isingadhuri pane kugadzirira 30%. Mumari iri pachena. Zvakanaka kufunga kutenga dzokugara muimba iyo, iri pane imwe-muzvitatu akavaka - rinofanira kuti vachapedzwa uye basa nekukurumidza, kunonyanyisa. More zvinobatsirei kuti munhu achawana chaizvo akachena kwedzimba, itsva. Sezvo kuronga zvivako ano uye Zvakanyanya Kunaka Panguva Yepamuviri, zvichava kukwanisa kusarudza kupfuura vakakodzera nezvacho iye.

A ndinoiitawo mortgages kuti mabhanga mazhinji vari kushanda pamwe Developers (ndiEzekieri). Izvi zvinoreva usingashandi mubereko uye zvakanaka mashoko nokuda nemhosva.

mazwi nani

Kazhinji, zvikwereti chikwereti - haisi inonyatsobudirira chichapedza zvinetso zvemari nokuti munhu kuti mutoro pacharo nezvikwereti. Asi kana pasina mumwe zvavangaita, pane chimwe chete nzira yokubuda - kusarudza kupfuura nyore uye mutengo-vanobudirira ezvinhu.

Nemaziso, zvinoratidzika zvinobetsera mortgages zvose kuti vaifanira kutevera. Ngatitii murume akatora mamiriyoni 2 chikwereti ose gore kwemakore 30, anopa kubhangi chete ~ 20 500 rubles, panzvimbo ~ 45.600, izvo angadai aifanira kutaura akaonekana navo, kuti ape nayo chikwereti kwemakore 5 years. Izvozvo zviri chete panyaya kufadza rokuti ane overpayment achava vanenge mamiriyoni 5.4 S.! Sezvo akanga chete 2 000 000. Asi kune rimwe-gore 5 chikwereti, iye overpay chete 665 000 p. Saka zviri nani kufunga kazana usati kugadzirisa chimwe ezvinhu.