Under chii ezvinhu kupa mortgages: magwaro, zvinhu uye vanorumbidza

Issues chokuita zvinhu pasi yaunopiwa chikwereti, kufarira vanhu vakawanda munguva yedu. Uye munhu wose anoda kuva neImba padenga musoro wako, kanenge kamwe, asi akafunga pamusoro nyaya iyi. Vazhinji vanotya kuti munhu chikwereti haagoni tsigira. Eya, zviitiko zvakadaro zvichiitika, kunyange kashoma. Asi ichokwadiwo kuti chikwereti chikwereti kunobatsira chaizvo kuti mabhanga. Naizvozvo, vanopa yakawanda vanhu wokushandisa vabatsirwe nemari. Zvisinei, zvakanaka kuziva pamusoro ezvinhu.

zvakaoma

Pakuti anogona chikwereti solvency, bhengi vashandi vanofarira zvikuru. Under chii ezvinhu kupa mortgages? Kana avo umo mubhengi mutengi anowana zvakanaka uye mari kupa chikamu mari yavo (hafu kazhinji) sezvo chemhosva muzvikwereti.

Mumaziso kubhangi munhu anogona kuonekwa mune chiedza chakanaka, kana iye anoshanda pasi Labor Code, vane dzidzo yepamusoro uye kushanda panzvimbo imwe kweinenge rimwe gore. Entrepreneurs "kugamuchira" nyongoroka, tichifunga nomumwe mabhizimisi nengozi basa.

yavanowana achafanira kuzosimbisa shoko. Kune magwaro mana, akagamuchira pamahombekombe. mutsara uyu chimiro mushandirwi, 2-gomba, uchapupu mari iri muchimiro Bank uye uchapupu akazivisa pamwedzi kugamuchira mari. "Traditional" vatengi akabvarura 2-gomba. Uyu yaizivikanwa gwaro, umo mari raanotaura kuti imwe nguva - zvinoita kuronda simba rinomutsa uye kutsiga kuti kubhengi iri chavanokoshesa.

mukuru zvinodiwa

Kutaura zvinhu pasi yaunopiwa chikwereti mufurati, zvinofanira kucherechedzwa hanya zvavo zvokudya. Saka, heano zvinodiwa kuti munhu anoda kuronga musha chikwereti, unofanira kuita zvinoenderana:

• Anofanira kuva mugari wenyika Russian Federation.
• Shoma makore mukwereti - makore 21 okuberekwa.
• Maximum - 65 panguva nokuripira. Ndiko, kana munhu anoda kuti ape dzimba chikwereti mumakore 60, ipapo kumupa chete 5 years. Akadaro zvinodiwa vakawanda mabhanga. Kunyange zvazvo "Sovcombank" Somuenzaniso, shoma zera makore 20, uye kufadza - 85.
• Uyewo, kuti nemhosva kunofanira chinyatsotsanangurwa munzvimbo umo anokwevera kumusoro ari redzimba chikwereti.
• Total basa ruzivo - kanenge rimwe gore. Pakupedzisira basa - kubva 6 mwedzi.

Pano, pfungwa, zvose kuti mamiriro ezvinhu ayo mabhanga kupa mortgages. Mune zvimwe zviitiko, pangava anosiyiwa. Se ne "Sovcombank" Somuenzaniso. Kana "Gazprombank" uye "VTB 24", apo ruzivo sechinokosha kubva 4 months. Asi vose, zvinodiwa kuti anokwereta dzinoturwa zvakafanana.

zvinyorwa

Kunyange munhu anoziva chinhu pamusoro nyaya zvikwereti, vangafunga kuti 2-gomba - handiyo chete mapepa inodiwa yokunyoresa musha chikwereti. Zvakanaka, pasi hapana ezvinhu kupa chikwereti cheimba? kana kodzero Zviridzwa kunofanira sezvinotevera:

• chikumbiro;
• yepakutanga uye kopi pasipoti;
• SNILS (kopi sezvinodiwa);
• Tin tsamba (yepakutanga + kopi);
• muchiuto ID kana basa kunyoresa - nokuti avo varume pasi makore 27;
• zvinyorwa pamusoro dzidzo, muchato, kurambana uye muchato kondirakiti (kana);
• pamberi vana - uchapupu kwavakaberekerwa;
• kopi bhuku basa, hazvo vanopupurirwa nokuda mushandirwi.

Ndiro huru akagadzirwa magwaro. Zvechokwadi vanofanira kugadzirira kana munhu zvinonyatsoda mubvunzo sei kuwana chikwereti mufurati.

Kupa zvikwereti? Anenge munhu wose, ndicho chikonzero vakwegura kunyorerana gwaro kuti pasi ndiro chitupa mudyandigere wavo. Uye kuti vanhu vane mibvunzo kare - rugwaro kubva kushandisa zvinodhaka / psycho-chetsinga kiriniki. Zvisinei, Bank kukumbira mamwe mapepa - asi chii chaizvo, chichagamuchirwa yoku- nomumwe.

Sei kuwana?

The zvakawanda - nani. Gangaidzo! Pashure pezvose, zvingaita sokuti, mumwe chikwereti yakagadzirirwa vanhu vanoda mabasa zvemari. Asi chaizvoizvo vanofanira mari yakakwana - pamwe netarisiro mutsividzo chikwereti uye pokugara.

Zvisinei, zviri nani, kuti ape muenzaniso. Vakawanda vanoenda kuti chikwereti mu "VTB 24". Nonyanya zvinobetsera apo mamiriro ezvinhu kubhengi kuti vatengi. Saka, ngationei vanoti, mumwe murume akauya kuti mumwe mogeji. Akatarira pashure mufurati mumusha mutsva kuti mamiriyoni 2 rubles. It ane kwokutanga nomupiro - 15% (ndiko 300 000 kwiza.). Uye anoda kuronga musha chikwereti 5 years. Muchiitiko chino, ake yepamwedzi mari inofanira kuva pamusoro 63 000 rubles. Nekuti ~ 37.900 achafanira kupiwa sechikwereti kwemakore mashanu.

Kufungisisa chimbadzo 12.1% paminiti annum munguva iyi mutengi ndicharipira 2.274.120 rubles nechikwereti. Overpayment - 574 120 p. Asi guru chitsama. Saka, sezvaungaona, shoma nguva uye mari nani, kashoma zvinodhura kuti chikwereti achava.

The Payment Nhoroondo

Zvinokoshawo kuziva pfungwa, kutaura zvinhu pasi yaunopiwa mogeji. A chikwereti nhoroondo yakanaka hakuna kumboderera pane imwe mari yakanaka. Uye kuti, apo dzarwo vari Vainyatsoongorora. Usati kubvumira yeGmail.END_STRONG basa, vanowana kana vane chero zvikwereti pamusoro huripo makondirakiti kana kuti nenguva pakuverengwa semuripo. Kazhinji, sezvo akaratidza kuva nemhosva. Kana pasina chikwereti history, ipapo zvose zvichava pakuti sei zvizere magwaro vakabvuma nokuda zvinogona anokwereta.

Imhandoi pfuma iwe kusarudza?

Izvi zvakare zvakakodzera kutaura, kutaura zvinhu pasi yaunopiwa mogeji. Zvakanakisisa kusarudza mufurati, akaiswa pamberi liftoff zhinji nzvimbo. Hapana zvokuzviita? Ipapo tinogona kuwana zvimwe, chinhu chikuru - regai isarudze mufurati zvashata mudzimba vakwegura. Nokuti "zvinodikanwa" vakadaro vatengi mabhanga pakarepo dzinga.

Zvisinei, Real Estate hauna kusarudzwa panzvimbo yokutanga. Uye chete pashure risati mvumo. Asi danho achiri kukosha. Nokuti murume haafaniri kutengesa zvakare zvakachipa uye shandisa mari yaainge sezvinongoitawo chisarudzo chakanaka. Nokuti ichi ndicho appraiser, kuminamato zvichabudirira kushandisa kuti nemhosva. Achaita munyore mortgaged pfuma yayo kwakatarwa. Uko evaluator yokutaura? Iri nyaya, asi bhengi nomumwe ari pamwe nemasangano akakodzera pakati Profile, saka zvakanaka kuti murege kutora musoro wako mibvunzo zvisingakoshi uye akagadzirira chisarudzo. Uyezve, zvichaita kuwedzera kudzokorora kushanda kuti musha chikwereti. Nekuti kubhangi vashandi havafaniri tarisa chinhu appraiser, havazivi.

pasocial zvirongwa

Vane mukurumbira chaizvo nhasi. Saka, mubvunzo pasi chii ezvinhu kupa mortgages vaduku mhuri, anopiwa kakawanda. Saka, heano chikuru zvokudya izvo zvaunofanira kuziva:

• The chirongwa "Young mhuri" anogona kushandisa vawanani, makore nomumwe asingasvavi pfuura makore 35.
• Vanofanira kuratidza kuti vanoda kuvandudza hwavo nderemagariro.
• An nharaunda yavanogara Ratios inosvika Regional mitemo (6 mamita ² pamunhu).
• Accommodation hazvirevi kusangana utsanana zvinodiwa.
• Family anoudzawo munhu zvaiita nzvimbo ine munhu anorwara, uyo pamwe hazvibviri pamwe.

Vakaroorana vanogona kuwana ngaakubvumirei, iyo akaronga kuti chikwereti pasi muripo kana kukwana kubhadhara nemari kuvaka musha wako, mumwe musha chikwereti muripo (kare akapa), kutenga Apartments upfumi mukirasi.

Kana mari zvisingaiti kusimbisa?

Uye ichi chinoitika. Dzimwe nguva vanhu, vashandi kurongwa, mari yakanaka chaizvo - izvi, izvo zvingava zvakakwana kuti mogeji. Uye, sezvambotaurwa, vanhu vashoma vachiramba zvikwereti dzimba. Saka kunyange kana mukuru mutsara zvakaoma haisi - kunze uko.

Asi vamwe mabhanga kupa mortgages uye chii mazwi? Chete "VTB 24" Somuenzaniso:

• 13.1% pa annum;
• magwaro maviri (pasipoti uye sarudzo wechipiri);
• shoma kuripwa 40% pasi;
• uwandu - kubva 600 000 kusvika mamiriyoni 30.

Toti, mufurati aikosha mamiriyoni 3 p. The chikwereti chitsama achava mamiriyoni 1,8 rubles, sezvo vanhu mamiriyoni 1,2 ndichakuita sezvo 40%. Mumwe mwedzi, achafanira kuwana anenge 68.500 rubles kusvika 5 makore kubhadhara chikwereti. A zvishoma kupfuura 41 zviuru vanofanira kupa kubhangi sechikwereti. Chokwadi, makasimba zvinodiwa, asi pane zvakanaka. Kazhinji, iri vakasara pamahombekombe "nadbavochnye" mwero nokuda kusavapo zvitupa dzinosiyana 1 kusvika 5%.

kurumbidza

Vanhu vakaita kubva pamba chikwereti, kazhinji kugoverana mazano nevaya vari pedyo. Vachaziva mamiriro ezvinhu ayo mabhanga kupa mortgages. Uye mamwe mazano kucherechedza pfungwa pakupedzisira.

1. Absolutely vanhu vose vanovimbiswa kuti zvakakosha kutora mbiri nokuda mari naro chikwereti achakwanisa zvakarurama kubhadhara. Zvaizoratidza sokuti zviri pachena kudaro! Asi kwete, vakawanda kuona kugona kwavo, sezvo kunofuridzirwa kurudziro siyana, akadai "vabereki kubatsira" "unogona kuwana wechipiri mabasa", "urezhem mari" uye zvichingodaro. D. Asi chokwadi zvinoitika zvakashandurwa. Vabereki akura vana havasi kuenda kubatsira, podrabotok zvisina kutarisirwa, uye kudya oga Buckwheat zvakaoma. Somugumisiro, vose chikwereti zvinetso uye munhu akasvibiswa zvikwereti nhoroondo.

2. The shoma nguva - nani. Saka funga nemabhangi. Vanhu vanokwanisa kubhadhara zvikwereti kwemakore anoverengeka, pane 30, muri dzechokwadi.

3. Zvino mumwe dzokurumbidza inoti kubhangi, kuwedzera zvose zvinokosha magwaro anodiwa kuunza mamwe uchapupu mari. Somuenzaniso, kana munhu ane furati, uye iye rents nayo - unogona kufungidzira, kuwedzera 2-kugomba, uye kunyange chibvumirano akapedzisa pamwe roja. Izvi kunosimbiswazve nemashoko mari, unova nechokwadi kutamba mumaoko, sezvo achatorwa nayo kufungwa akaundi mushandi.

Zvakanaka, kana iwe funga mazano aya kuyeuka pamusoro ose pamusoro uye nokungwarira kunhonga kubhangi - achaita ngaateme chikwereti chacho ari kupfuura zvakanaka mazwi.