Up kuti chii zera kupa chikwereti imba? Mortgages nokuti vakwegura

Kana uchida kutenga mufurati kana zororo musha izvozvi, asi havana zvakakwana yakawanda mari, imi vane nzira imwe chete kubva - munhu mogeji. Kusvikira zera chii hunopiwa "nemari Bank" uye nemamwe masangano mari chikwereti kwakadaro? Uye zvinoita kuti kuziva hope yake, kunyange pashure mudyandigere?

Munyaya ino tichaedza kupindura mibvunzo iyi nemimwe. Saka, kana nemiwo hauzivi zera chii kupa chikwereti imwe imba, verenga nokungwarira.

Sei zera kunokanganisa chikwereti

Chokutanga, ngatimbotaura nei zera racho panyaya iyi kuchikosha kuti mabhanga.

By kufunga kutenga dzimba dzavo nomumwe anouya nzira yake uye panguva dzakasiyana. Mumwe achida vatame makore okuva vana kana kuti chipo vazukuru vake. Uye mumwe munhu akasarudza kunyange akwegura kuvandudza yavo magariro uye kurarama kunyaradzwa. Chero chingava chikonzero, zvakanaka kugadzirisa tsika nemari kuti ape chikwereti kuchaenderana achinyanya zvinotarisirwa nenhanho mutengi mari inotevera 10-20 makore. Izvi zvinonzwisisika. Pashure pezvose, chikwereti zvinoda chaizvo rebei Nemutengo, uye rokuti mutsividzo ruchatambanudzirwa dzimwe nguva kusvika kota remakore.

Kazhinji, zera racho nokuda issuance kuti chikwereti yakatarwa panguva 18-60 (55) Makore. Asi izvi kuhupenyu vatengi vemazera akasiyana panguva kubhengi vashandi vane zvakawanda chaizvo.

The yakanakisisa zera kuti kuwana chikwereti anoonekwa makore 35-45. Zvaive munguva iyi hwake, munhu anosvika hwega zvemari chinzvimbo, ari kushingaira kuvaka basa. Pane makore vachiri vazhinji kuumba uye kugutsa zvido zvavo. Uye zvose zvinoitwa chinangwa kuvandudza zvinhu uye kunaka kwoupenyu.

Pashure pemakore mashanu upenyu hwevanhu anotanga kukura dzimwe njodzi. Izvi rinotsanangura mhinduro yomubvunzo wokuti pazera ripi kupa zvikwereti. Chokutanga, zvisingadzoreki kusvika mudyandigere zera, uye, naizvozvo, zvichida nebasa. Mikana yokuremara nokuda chirwere yokuremara. Uyewo, hachisi chakavanzika chokupika rwokuzvarwa kufa pashure pemakore 60 ichikwira. Izvi uye zvimwe zvikonzero, mabhengi vanomanikidzwa mukanyatsochengeta kutevedza rokumusoro panogumira zera racho kuti mogeji chikwereti.

Up kuti chii zera unogona kuwana chikwereti?

Kazhinji, pamwe chete mudyandigere womunhu munhu anorasikirwa zvimwe manyuko mari rinopera basa. Saka, maererano mabhanga, pakazosvika nguva zvakakodzera zororo munhu anofanira kubhadhara kure aivapo mogeji chikwereti. Saka kuti dzemaitirwe nguva dzose kubhadhara, akakweretesa anotsvaka kuchengetedza mukati nguva nguva kubvira panguva kunyoresa uye pamberi awa "X". In tsika, ikoku kunoreva kuti chikwereti izwi kwave kuchiita zvinoderedza sezvo kuwedzera makore mukwereti.

Heuno muenzaniso:

Financial Masangano kupa mortgages makore anosvika 25. Nokuti chikwereti anoshandura murume ane makore 50 okuberekwa. Zvazvinosarira kusvikira mudyandigere kushanda mumwe makore 10, kufadza nguva iro chikwereti zvinogoneka Clearance nokuti makore chete 10 okuberekwa. Zvechokwadi, mune ichi zvazvingava, rendi mari kuti yakachena Nemutengo, uye vanofanira kuva mari yakakwana kutsungirira mutoro zvemari.

Dzimwe nguva, zvisinei, pemahombekombe vari zvichemo. Kana munhu anoda kubetserwa ane kwazvo Magwaro, yakakwirira azvipire mari, mukana kukoka co-anokwereta ari chibvumirano kana kupa rubatso zvakanaka, akakweretesa anogona kuenda naye uye zvishoma kuwedzera mogeji anomukweretesa. Zvisinei, izvozvo kuwedzera kuri Kashoma makore anopfuura 5-6.

Mortgage anomukweretesa pashure pemakore 40

Pasinei chokwadi kuti mabhanga ndiwo chaizvo hanya makore mukwereti, mortgages zvizvarwa zvakura kuchiri zvinobvira. Vamwe masangano zvemari kukura chaiyo zvikwereti zvirongwa, vachibvumira kuti ape pekugara chikwereti kusvika makore 20. Muchiitiko ichi vanowanzobatwa kuisa mberi bedzi nenguva yakazara mutsividzo of anokwereta kuva anopfuura 75 makore.

Tora muchirongwa ichi chikwereti haigoni vagari vose vari kuuya mudyandigere zera. Pane nzira dzakawanda kuti chokwadi anogona kuchinja mutongo kubhangi kuti kupa chikwereti. Mortgages nokuti vakwegura ingangodaro iri nyaya dzakadaro:

1. Anokwereta kuramba kushanda kunyange pashure pamudyandigere yenyu. zvachose kunobva yakawedzerwa mari inodiwa kuti vawedzere mikana mumaziso womunhu anomukweretesa.
2. The yeGmail.END_STRONG riri ukama hwemhuri, asina vana, uye-siyana vajairira. Banks vanosarudza vakaroorana, vanhu vasina. Zvechokwadi, muchiitiko ichi, yemari yemhuri akavandudzika zvikuru, uye saka kunoderedza ngozi default mari.
3. Pamudyandigere akabata pamusoro vaiva Real Estate, zvakakwanira mamwe mari nokuda chikwereti. Kana achiita kuti rubatso uchava mukuru liquidity, ari pamudyandigere harisi chete kugona nyaya mortgages, asi kodzero zvakanaka chikwereti mamiriro.
4. Anokwereta mudyandigere zera vanogona kukwezva zvinoverengeka solvent guarantors (co-anokwereta) zvakakwana. Kakawanda, "chinoratidza" vakadaro ndivo vana, vazukuru kana dzimwe hama. Uyezve, kuvapo ukama iri nyaya kunotodiwa. Izvi imhaka yokuti panyaya rufu akakwereta kuitwa kubhadhara chikwereti yacho co-anokwereta.

Mukuwedzera, rubatso anofanira nhaka zvimwe unhu:

• vave zera kushanda;
• vane chakanaka chikwereti nhoroondo;
• zvisimbiswe yakakwirira nenhanho solvency.

Banks uye pamudyandigere

Somuenzaniso, ngationei zera chii kupa chikwereti imba yakasiyana pemahombekombe Russia.

Chinonyanya inoomesera zvinodiwa kuti zera "Alfa Bank." Panogona ape chikwereti ari chiitiko kuti panguva yaro kukura anokwereta anotendeuka makore 54-59 (vakadzi nevarume, ukuwo).

Kusvika makore 55 (vakadzi) makore 60 (varume) vanoda kumirira mu "Rosbank", "Metallinvestbank" uye "Bank of Moscow".

Standard 65 makore - zera racho nokuda vanyorwa chikwereti mu "Uralsib", "Expert Bank", "IBC", "Nico Bank", "CSC", uye vamwe masangano zvemari. Ndiko, kuti ndiwo zvakadini unofanira kuzadzwa kusvikira nguva apo kugarwa Nhoroondo chikwereti sangano achaita wokupedzisira mubhadharo pamusoro chikwereti.

The akavimbika vakawanda vanoremekedza ichi, "VTB 24" uye "mari Bank". Mune wokutanga achida kumirira kusvikira 70 gore mukwereti, uye yechipiri kusvikira akatendeuka 75.

Ndokupi vangada pamudyandigere

Uye ipai mortgages nemamwe mabhanga kusvikira chii zera? Pakati vakawanda zvemari uye zvikwereti masangano, chikwereti anomukweretesa ruripo vakwegura, kunyanya mu izvi:

• "Gazprombank";
• "Agricultural Bank";
• "Admiralty";
• "TCB" uye vamwe.

Where kuenda, zvinoenderana nokuti iwe. Kana akaramba mumwe pamahombekombe, hapana munhu anogona kurambidza iwe kuonana nevamwe.

Mortgages mu "nemari Bank"

Ngatitorei vanyatsoona chikwereti anoreva pensioners mu "mari Bank". Pano mukuru vagari kunongova anoverengeka zvirongwa:

• makore 55/60 vakadzi nevarume, ukuwo - pfungwa chikwereti zvikwereti pamwe nehurumende rutsigiro;
• makore 45 - mu mortgages racho nemauto;
• makore 75 - purogiramu anopa pavakwe nyika imba, uyewo kutenga dzimba muzvivako zvitsva kana ari pamusika dzisiri.

Zvimwewo Kurongwa unosimbisa miviri pfungwa: mubayiro uye kuramba basa basa. Inobva nenhanho kuti uwandu hwezvinhu zvose zvabatanidzwa. mari iri pakutsvaga chitsama chikwereti, ayo izwi uye kudiwa okuwedzera rubatso. Hurefu iri zvakaongororwa kugadzikana uye akaramba.

Zvirongwa zvose, kuti chimbadzo mu "nemari Bank" riri pamusoro rimwe sandara uye 12,5%.

Sei kuva pamudyandigere?

Kana usingazivi zera chii kupa chikwereti munzira kana mumwe kupfungwa zvemari, Nzira yakavimbika - chete kushandisa. Kunyange kana zera rako zvinomutsa zvinokunetsa, Ungangove uchava kuuyiswa kunze zvinhu nzira dzinenge mbiri:

• osimudza chirongwa, izvo zvinoreva kukwanisa kubhadhara chikwereti pashure mudyandigere;
• aida kuti ape mureza nechibvumirano namakore asati awa yechipikirwa kuruboshwe.

At vamwe vavo kuti vagare pakupedzisira - zviri zvachose iwe. Asi chaizvoizvo unoda mogeji? The zera muganhu haazovi chete chipinganidzo gadziriro yayo. Credit mamiriro nokuti anokwereta vakura vari rakasiyana chii chinogona zvakabayirwa majaya:

• chikwereti izwi iri kashoma kupfuura makore 15;
• Minimum kwokutanga mubhadharo inowanzopiwa yawedzera 20-25%.

Uyezve, iwe nguva dzose uchava akakumbirwa inishuwarenzi upenyu uye utano. Asi mari mutemo kwakadaro vachamuka mubayiro maererano nezera rako. Saka kana waita chikwereti chikwereti pane akura zera vanofanira kuongorora "zvayakanakira" uye "nezvayakaipira." Kunenge kuti akaipa nharo zvichava zvikuru, uye uchida kuronga chikwereti womumhuri muduku.