Ndinofanira kutora chikwereti iye zvino? Ko zvakanaka kuti atore mumwe mogeji ikozvino?

Mamiriro muRussia zvoupfumi rakanyatsojeka kwakatooma, uye vagari vazhinji funga kuti tibu- yakachengeteka nemari kuburikidza bhizimisi navo kutenga mufurati. Vamwe vanoti kushandisa zvivako tichiregeredza mari pachavo, apo vamwe vanovimba pamahombekombe nechikwereti. Asi kana kuti atore mumwe chikwereti zvino imba? Zvichida pane nani nzira mari?

Mortgage dambudziko: mapoka maviri zviratidzi

Kuti tipindure mubvunzo wokuti kutora chikwereti zvakanaka zvino, kana paiva akaoma ezvoupfumi mamiriro ezvinhu, zvichaita zvinobatsira kutanga kuongorora ndedzipiko kuurongwa ari rwezvemabhengi dambudziko kuRussia, pamusoro vaongorori vakawanda kudaro vanoti. Zvadaro edza kuona sei zvikuru kuti mhosva iyi mamiriro ezvinhu, EU uye US zvirango zvayakatemera Russia - ndiko kuti zvinoda basa rakakura kuti chero dambudziko zvachinja muna Russian upfumi.

Saka, chii vari matambudziko ari National rwezvemabhengi mamiriro Russia? Nyanzvi ziva mapoka maviri chikuru zviratidzi dzokutambudzika, izvo, akavapindurawo, vanotungamirirwa vakawanda-siyana.

solvency dambudziko

The chokukomborerwa zvokutanga dambudziko: kuderera solvency vemo. Vanhu havangagoni mari kuti ape zvikwereti zvitsva. Izviwo, rine chokuita zvinhu zvinotevera.

Chokutanga, achifumira mitengo, kuwedzera mutengo vakawanda nevatengi nhumbi, kunyanya kutorwa. Chinonyanya kuoneka kuwedzera mutengo mhuri midziyo yemagetsi. Uye ichi pasinei nokuti chaiye mubayiro kunowedzera uye kana zviri kwete akafanana zvikuru. zvishoma nezvishoma sezvo achifumira mitengo kuti pekugara uye zvaiita mabasa, zvifambiso. Mugumisiro: vagari havasi yasara mari chikwereti SERVICING.

Chechipiri, ndizvo chinokosha chikamu vemo zakreditovannost. Vanhu vakawanda havana kudaro zvikuru kufunga zvakawanda kana kutora chikwereti iye zvino, sei sei kubhadhara yapfuura kwezvikwereti. VokuRussia vakawanda vachinetseka pamwe chemhosva muzvikwereti ano.

Zvino tichaedza kuona sei matambudziko pamusoro panowanikwa chinoratidza dambudziko upfumi zvirango pamusoro Russia yokutanga. Achitaura wokutanga chinhu, zvichida nezvinozoitika. Simuka mutengo nyanzvi zvokudya chokuita nezvokudya zvirango Russia pamusoro bhizimisi European mu - uye izvi zvimwe akarondedzera zvirango. Ndiyo Russian norudaviro kwavari. Nezveshoko chinhu chechipiri - chinowanzoitika kupomera zvirango vari hama. Chokwadi kuti unorema zvikwereti gobvu kuumbwa vokuRussia refu asati matambudziko mamiriro ezvematongerwo enyika.

Zvichida, tinogona tarisawo kuti vose zvinoongororwa achiumba runoenzanirana chakarurama chokuita. Rise mutengo mishonga uye mabasa mu zviri pachena kunyanya shoma solvency zvingakanganisa anokwereta, chero bedzi ine zvikwereti.

Matambudziko ari mabhanga

The inoratidza wechipiri dambudziko: kuderera zvinhu nemabhengi, somugumisiro - nekusagona mari masangano kuti zvikwereti, kusanganisira mortgages, ugovazunguzira kunyaradzwa nokuda User ezvinhu. Zvinhu zviri kuitika, akavapindurawo, kunotevera.

Chokutanga, mabhengi zvino chaizvo kungogumira akasununguka guta. Kuti chinhu ape anokwereta pemahombekombe kuti chinhu chinofanira kuva. Liquidity Russian chikwereti masangano nenyanzvi dzakawanda kuongororwa yakaderera.

Chechipiri, mabhengi, oddly zvakakwana, vari mumamiriro ezvinhu akafanana pamwe anokwereta - iri rutivi chikwereti mutoro. Chokwadi kuti vazhinji vane - kune dzimwe chikwereti, weRussia Central Bank.

Zvadaro, tichaedza kuona kana zvirango zviri kukonzera izvi ezvinhu? Nyanzvi dzakawanda dzinofunga kuti izvi zvakadaro. Sei? Vanotsigira maonero ichi zvinosimbisa kuti chikuru chikamu Russian mbiri uye masangano zvemari - nechikwereti dzimwe chikwereti. Vari makore asati zvirango vari akashingaira vatorwa zvikwereti, kushandisa anoyevedza ezvinhu Interest. Zvikwereti kupora dzinongoita kutarisirwa nokuda refinancing zvigadziriswe - nokuda borrowings itsva yokumwe. Zvino, kana pasi zvirango, mabhanga Russian Akapotsa atadza kukwereta kunze, mari kutsvaka zvinyorwa itsva muripo. Lenders zhinji, vaongorori vanoti, haana pachake reserves yaro kuti chinangwa ichi. Uye kunyanya havana guru kuti ape rive chikwereti.

Ari pokutanga - mamiriro ezvinhu nemabhengi?

Zvaifungidzirwa kuti sei kuva chikwereti, chii kutarisira kubva kumusika, kusvikira pamwero mukuru kuvimba, vaongorori vanoti, pashure ose ezvinhu chaiwo nemabhengi. Toreva, basa yemakambani anokwereta, Panguva iyi kukosha. Kunyange kana vokuRussia haana matambudziko solvency, zvinosiyana mutengo inowedzera (kunyanya - mune zvemagetsi uye vamwe Zvinhu) uye kushaya chaiye mubayiro kukura, mamiriro ezvinhu akawanda rwezvemabhengi indasitiri iri kure optimum, kusvikira chikwereti pamusika kwakasimbiswa sezvo achishingaira sezvakunoitwa mumakore mashoma apfuura, nezvoupfumi vanotenda.

Rutambanudzei pamusoro chikamu

Ungangove, vaongorori, nemabhengi kana muchida nokushingaira vanokweretesawo vagari munguva dzenhamo, vachaita izvozvo, yekudyidzana kumutsa mubereko prices. Kana kunyanyisa tightening kuti chikwereti kufarirwa zvinodiwa. Saka, zviri ingangodaro chiitiko umo munhu asingadi kunyange kufunga kuti kutora chikwereti iye zvino. Ungangove, kubhangi nyore havazokwanisi kupa chikwereti kuti hwomutambarakede ezvinhu. Kana kunyange kuramba chikumbiro nokuda pezviri dambudziko zvinokonzera. Zvine musoro kuti kutora chikwereti zvakanaka zvino, kana kubhangi iri kure Zvakanyanya Kunaka Panguva Yepamuviri mamiriro ezvinhu? Nyanzvi dzakawanda dzinofunga kuti chisarudzo uku Hakusati kwakarurama.

Kana kushanda akatendeka

Funga chinyorwa wakanaka - somuenzaniso, vanhu Russian havana nezvinetso chikwereti, mukuru muhoro wake, uye kubhangi, pfungwa, achida kumupa chikwereti kutenga dzimba. Ndinofanira kutora chikwereti kuti zvino mugari? Mhinduro yomubvunzo uyu inogona kupiwa, kunobva pakudzidza kiyi zvinoumba ngaakuitirei zvikasaitika saizvozvo, kuti pamusoro kutenga mufurati pashure pechinguva zvichava isingadhuri kuitira kuti chikwereti hazvikubatsiriyi murume?

In ichi rutivi, kana kusarudza chokwadi kana kwete kutora chikwereti zvakanaka zvino, zvingava zvakanakisisa kuongorora kumusika haisi zvakawanda kubva nemaonero pamusoro dambudziko ezvinhu nemabhengi zvirango, asi maererano muitiro pachisara kuratidza simba pamusoro vachitenga uye vachitengesa Real Estate. Chokwadi, mamiriro ezvinhu enyika chinoita imwe basa. Asi chinokosha tarisiro mari iri pokugara, maererano nyanzvi - ezvinhu on akakodzera pamusika.

Mamiriro ari Real Estate musika

Chii kuitika Real Estate chidimbu kubva bhizimisi? Zvino zvinobatsira kutora chikwereti tichitarisa akatarisirwa imba mutengo kufamba? Nyanzvi ziva zvinogoneka nezvezviitiko zvitatu pamusoro tarisiro pamisika kukura.

Maererano wokutanga, Real Estate mitengo mumakore anouya varambe pamwero zvakawanda kana zvishoma chaienzanirana mudare. Vanotsigira maonero ichi vanodavira kuti magetsi Real Estate pamusika muna zvatinoita Pricing, wedzerai uye kudiwa zviri zvakanyatsoenzana zvakakwana. The zvinogona kuderera nevatengi basa nokuda shoma anomukweretesa kubudikidza nemabhengi yakaderera platezhesopobnosti anokwereta, nezvoupfumi tenda, vachaparadzwa pamwe runoenzanirana rutapudzo panyaya - kukonzerwa chokuti homeowners vanosarudza kumirira panze dambudziko, kwete kuti atengese zvakare kokupata dzimba. Zvino zvinobatsira kutora chikwereti correlative ine muenzaniso uyu? Zvichida kwete chaizvo. Mitengo vacharamba chete, uye kufarira kubhangi, izvo, uyezve, vanogona kuva mukuru nokuda dambudziko, vachafanira kubhadhara.

Zvisinei, nguva kuti ngaateme mufurati nechikwereti, kana vanhu ikozvino akabvarura mufurati, uye zvinofungidzirwa uwandu vachibhadhara kuti kuenderana pamwe rents. Zvisinei, pfungwa iyi zvinoda kuvapo mugari yakawanda kuti pasi kubhadhara pamusoro chikwereti. Zvino iyi, kungangova nani ape nayo sechinhu uye kugamuchira chimbadzo, nokuda izvo, akavapindurawo, kubhadhara rents mufurati. Vamwe mabhanga zvino kupa kuita rubatso 20% uye yakakwirira. Izvi zvakafanira, maererano vaongorori, pamwe nokuwedzera Central Bank refinancing zvazvingava, izvo akasimuka 17% muna December. Kana tikatora sezvikonzero muchiitiko rwa pamusoro, kubva mubhizimisi nemaonero, ari dhipoziti ngapaonekwe zvakawanda kunobatsira bhizimisi iri mufurati - hazvingaiti kuti, muchiitiko ichi, kunowandawo 20% nokuti gore, uye ipapo panguva mwero chete, apo mune nyaya dhipoziti pamwe dzakava kufarira rinoitwa pamahombekombe ari kunoita.

The Muchiitiko chechipiri achipfeka kuti zvivako mitengo vachiri kumukazve. Izvi zvichava zvakafanira kuchitendero inflationary kwendangariro. Zvinotarisirwa Somuenzaniso, kuti wrap-kwechibayiro upfumi kukura muna 2014 ari runoenzanirana mufananidzo kuchaita pfuura 11%. Kunyange kana zvivako musika kudiwa hakuzovi zvakakwana simba, nyanzvi dzinoti, kuwedzera dzimba mitengo, zvarwo, angatarisirwa nemashoko kuenderana mitengo. Ndinofanira kutora mumwe chikwereti ikozvino, kana isu funga zvinotevera?

Ungangove, panotanga kunongedzera zvinogona mutengi mune iyi kuchava anenge zvakafanana kuti nyaya yokutanga musimboti. Zvinokwanisika atore chikwereti kuti mufurati, kana uri pari imba hwaputswa, uye kufarira mari vachava chete, kana kwete zvinopfuura rendi. Kana kuisa dhipoziti nokuda mari inounganidzwa kuti kwokutanga muripo, vawane mubereko tichiregeredza kubhadharira rendi.

The kuitika wechitatu achipfeka zvinoderedza redzimba mitengo. Izvi wakakodzera, akavapindurawo, zvichibvira kusaenzana pakati zvitengeswa uye kudiwa pamusoro kumusika, iyo inogona neshungu ndechokuti mumakore achangobva chinokosha Vhoriyamu itsva kuvakwa Fund wakatangwa muna Russia. Kunyange zvazvo zvakawanda Apartments kuvakwa muna yechinangwa muzvirongwa zvakadai - zvakarurama, asi chikamu chinokosha pavo vakazoroorwa kutengeswa panguva pamusika mitengo kana Somuenzaniso, anofanira resold. Ingakutemesa, maererano nedzimwe nezvoupfumi, zvakawandisa romugove iri redzimba pamusika.

Zvichida, kana ukatevera muchiitiko ichi, hapana nguva kunyange kushamisika kana kutora chikwereti iye zvino. Chokwadi, ichi harizoiti yakanaka kuita. Panyaya yokuwana zvinobatsira Investments, zvinokwanisika kuti kuteerera deposits. Kana paine chikonzero pekugara - nani asi kubvarura, kunyanya nokuti akakodzera prices kazhinji kudzikira mushure okutengesa chidimbu.

Zvinhu zviri zvinodyidzana

Chokwadi, mumwe nomumwe nezvezviitiko zviri Real Estate kumusika pamwero mukuru kunobva ezvinhu ari rwezvemabhengi zvekutepfenyura, uye padanho solvency wezvizvarwa. Naizvozvo tinogona kutaura kuti dambudziko zvinhu zvataurwa pamusoro apa simba zvakananga pamusoro redzimba pamusika, uyewo mamwe. Zvisinei, vanamazvikokota vachiri kudavira kuti chinangwa pamusika mauto - zvitengeswa uye kudiwa - vari aumba pasi pokudzora kutaurwa zvinoita zvishoma. Zvikuru zvinodiwa kuti anoratidza nezvinodiwa chaicho vokuRussia marudzi pokugara, kufungisisa matambudziko kutama, kuchinja kuvakwa mabikirwo Apartments, etc.

dhora chikonzero

Zvisinei, dzimwe nyanzvi, funga izvozvo bvumidzwa kuti govera uyewo muchiitiko chechina, inosanganisira kuwedzera pfuma mitengo nokuda migumisiro dzakasiyana mune dzimwe pfungwa, kutariswa. Sezvo chikazozikamwa, mari akamuka pamusoro Ruble muna 2014, rinenge kaviri. Zvisinei, vakawanda mari dzimwe dzichiri kusimukira, kusanganisira Kishi nyika, saka ipapo isingadhuri kuti US. Somugumisiro, paavhareji muhoro mune madhora uye kuRussia, somuenzaniso, muKazakhstan, zvachose inoputswa kure, kana kunyange, zvichida, akatanga kupa nzira chii yakaitika pedyo nyika. Somugumisiro, mukamuri iri Russian Federation tichitarisa, muti, kuti Kazakh Tenge rakatanga dzinoverengeka zvikamu yekudyidzana isingadhuri kupfuura munyika dzakavakidzana. Vagari Kazakhstan pakupedzisira vanouya kuRussia uye kutenga imba pano. Izvi zviri kuitika, sezvo vamwe nezvoupfumi irambe uye achiipa nokuda zvakafanana basa vagari dzimwe nyika pedyo - Belarus, Azerbaijan, kuBaltic States, zvichida China. Izvi zvinogona kusvika pamwero kuti vakuchidzire kudiwa zvivako uye kuona simba rinomutsa mutengo kukura kupfuura mitengo.

Zvichida munhu anofanira kuongorora kana kusarudza chokwadi kana kwete kutora chikwereti, nyanzvi zvinofungwa pamusoro Muchiitiko chechina, asi chete kana anorarama mutaundi pamuganhu. Kuti, pfungwa iyi inogona kunzi sezvo vemunyika.

zvakawanikwa

Nokudaro, hatina vanozivikanwa zvikuru zvinokonzera kuziva dambudziko iri Real Estate pamusika yokurera, akaongorora inokosha muchiitiko, kudzidza izvo tikwanise kuziva kuti, kana kutora chikwereti imwe imba iri mudare musika mamiriro ezvinhu.

Ngatiedzei muchidimbu. Saka, nepamusika kuti bhangi anomukweretesa - dambudziko. Banks, mune mukana zvose, havazokwanisi kuti ape zvikwereti pamwe simba pane zvavakaita mumakore apfuura uye pasi chete ezvinhu sezvo mubereko. Anokwereta, zvichaita hapasi nechinangwa anokwanisa kubhadhara chikwereti. Mugumisiro - the zvinoderedza kudiwa. Chikonzero rwezvemabhengi dambudziko - Zvematongerwo enyika. Saka, kuona hurongwa, kana zvakakodzera kuti kutora chikwereti ikozvino, kana vanoenda EU uye US zvirango kuzorwa Russia zvichida vachati kwete. Tinofanira kumirira kusvikira mamiriro ezvinhu ari kudzikamiswa mabhanga, vachawana zvinyorwa vatsva zvikwereti kubhadhara huripo nemhiko, kana vanogona kubatsira vari Government ichi.

Chechipiri chakaita kuti vatingakurudzira chisarudzo pamusoro kana kuti atore mumwe chikwereti iye zvino - kuitika Russian Real Estate musika. Baseline zviitiko zvitatu nezvoupfumi. Kudzikamiswa uku mitengo, pasi kukura, kuenderana mitengo kana kuderera. Kana, kana munhu anogara muguta muganhu, zvishomanana kuwedzera mari nemafurati.

Ndinofanira kutora mumwe mogeji? Zvayakanakira nezvayakaipira chisarudzo ichi panyaya ano kumusika ezvinhu, pane zvikuru pachena. Pakati zvinhu zvakanaka - mukana mari kana kudiwa munguva yemberi iri pedyo kuchawedzera. Nezvoupfumi Zvisinei, uye vanoziva wandei kudzika ano dambudziko, zvinofungidzirwa kuti zviri nani mamiriro ezvinhu kuitika mune foreseeable ramangwana - tichiregeredza zvichibvira kudzoka mitengo mafuta, imupota kuzvitsinhanisa, diversification hwenyika. Uyewo zvivako Investments, kanenge, nechokwadi kuchengeteka mari inenge yashandiswa vari kuwirirana pamwe mitengo. Pakati zvinhu zvisingafadzi chisarudzo pamusoro kutenga dzimba - mukana kudonha mitengo kana kusava kukura zvakakwirira zvikuru. Kana mumwe kana mumwe haangavi kunobatsira mutengi ari mufurati. Uyewo, Ungangove, panguva ino, mabhengi havagoni kupa mamiriro ezvinhu akanaka kune anokwereta mubereko.