Zvaunoda kuti chikwereti mufurati? Chii Zvinyorwa vanosungirwa?

Kufunga kutenga yako mufurati? We akabata zvakanaka sarudzo, asi hamuna mari yakakwana? Kana iwe kusarudza kushandisa yakawanda pachavo mari uye zvikwereti kushandisa basa? Ipapo chikwereti - ndizvo zvaunofanira! Chii uye sei zvakasiyana nevatengi chikwereti.

Chikwereti rakasiyana nemamwe marudzi chikwereti?

Musiyano kukosha - the chimbadzo. Kuita zvikwereti chikwereti ari kudzika zvikuru kupfuura zvikwereti auto, mutengi, etc. Izvi zvinotsanangurwa chaizvo nyore. Kazhinji, vanhu kutora chikwereti munhu zvakanaka zvizhinji, nokuti pfuma hakusi chisingakoshi. Uye yechimbadzo chikwereti rinowanikwa pamusoro zvizere chitsama chikwereti. Uye kana chikwereti chavo chaiva zvakafanana nevatengi chikwereti, vanhu vangadai vasina imwe upenyu kubhadhara mari iri chikwereti. Zvino zvaizova kuti chikwereti akanga nhaka nevana vavo. Nekuti chitsama overpayment kuti kusapfuudza huwandu chikwereti muna 3 kana kunyange 4 nguva.

Nokuti mukuru zvijeke, ngatikurukurei muenzaniso. Background: uchida kutenga mufurati mune chikwereti pamusoro 5.000.000 rubles. Hausi takagadzirira pasi muripo, asi achida kubhadhara 86.500 rubles. Kana chikwereti chavo chaiva kunyange rinenge mwero shoma pamusoro nevatengi nechikwereti, ipapo mungadai makore 20 kubhadhara mari chikwereti, uye ungadai overpaid 315%, izvo yakaenzana mamiriyoni 15,7. Rubles! ! Kureva, mungadai kubhadhara mari 4 zvavo Apartments!

Cherechedza kuti kana iwe wasarudza chikwereti chirongwa chiri chikwereti izwi. Kureva, kana yedu kwokutanga date overpayment kwemakore 20, 315%, uye kana tinowedzera muripo noruoko rubles 2700 chete, nguva ipfupi ne zvakawanda 5 years! Uye overpayment ipfupi ne 91%! Unonzwa musiyano chero pose? !

Zvino izwi makore 10 uye kubhadhara 98 zviuru rubles pamwedzi ndiyo overpayment wako achava 135% kubva . mamiriyoni 6.7. Rubles.

Kana tikatevedzera muitiro, zvinova pachena kuti mumwe 5 makore chikwereti mubereko mari yakaenzana kukosha furati wako!

Asi ichi ndicho pamwero 20% pa annum. In nyika yedu, pane zvirongwa chikwereti rinowanzova yakaderera uye zvichisiyana 13%. Ngatitaurei kuita kuverenga pamusoro mashoko akafanana uye enzanisa zvabuda.

Kana tikafunga inosvika makore 20, ari rendi 59 500 rubles, inova zviuru 27 nizhi kupfuura mwero 20%. Unonzwa basa reDare musiyano 7%?! Yaipedzerwa overpayments kunosiya 9.3 mln. Rubles, kureva, 185% mumakore 20. ? Unoona sei mukuru musiyano?

Nengano rutapudzo rokuti 5 makore, muripo inowedzerawo kubudikidza zviuru chete 4,5, asi overpayment ipfupi ne 55%! ! Uye ndizvo. Rubles miriyoni 6.5!

Kana chikwereti kwemakore 10 uye kubhadhara 75,3 zviuru rubles overpayment ichava 81%, kureva mamiriyoni 4. Rubles. . Sezvaunogona kuona, musiyano uri oneka chaizvo.

. Kuona migumisiro iri tafura pfupiso kuti pakupedzisira kunzwisisa nei chikwereti chirongwa unodiwa dererei.

• The pasuru magwaro, izvo zvakakodzera kuti chikwereti yakasiyana chaizvo. Saka, ngationei magwaro anodiwa kuti chikwereti mufurati.
• anokwereta wacho pasipoti.
• Mari mashoko, uyewo pamusoro sangano iro ini ndinoshanda (a bhuku basa).
• Documents achisimbisa dhipoziti (kana).

Zvaunoda kuti chikwereti mufurati? mazita zvinyorwa

Kana kuunza co-anokwereta kana rubatso kuwedzera mazita magwaro. Kubva kwavari zvinoda magwaro chete, uye kuti kubva kwamuri. kureva pasipoti yavo uye uchapupu mari (kazhinji Munongedzo 2 gomba).

Ungadawo zvinoverengeka zvimwe zvinyorwa. More mashoko vachakuudza vashandi kubhangi, nokuti mumwe nomumwe nyaya yakasiyana, vakawanda zvirongwa mogeji. Izvi zvinoreva kuti unofanira kuunganidza zvinyorwa, zvakarurama kwamuri. For chiero mbishi Data rakundwa.

Zvinodiwa Kuti anokwereta

In nerimwe bhengi, zvakasiyana, asi pane vakawanda nzira, inova zvakafanana mune mabhanga. Ngatitarisei kwavari:

1. Age. In mabhanga mazhinji, shoma zera kukurukura mafomu kwemakore 21. Uye ichi zvinonzwisisika. Kazhinji, iyi nguva munhu apedza chikoro uye ane mamwe kureba basa.

2. Basa ruzivo - chokuratidza wechipiri, maererano iyo nemabhangi kuona sei zvakavimbika mukwereti. Shoma urefu basa pazuva rokupedzisira basa anofanira kuva kanenge gore. Uyezve, vashandi kuteerera chokwadi kuti munhu rakavimbika paakati ndiyo kakawanda iye anoshandura basa. Kana munhu ari hapana anopfuura 1 mwedzi isina kunonoka, kuti chokwadi hakugoni zvinopupurira rakavimbika.

3. Credit kare. Kuvapo zvakanaka chikwereti nhoroondo achaita zvakanaka chete. Nekuti iwe akaratidza uri mutoro munhu uye kubhengi zviri nyore kubvuma kwenyu mogeji chikwereti.

Saka kuti muchidimbu, unofanira kuwana chikwereti kuti mufurati? A akanaka chikwereti kare, basa chiitiko gore mumwechete uye anokwereta zera 21+.

Mortgage uye maternity guru

Ndinogona kushandisa maternity guru abhadhare chikwereti uye sei kuita izvozvo? Chii unofanira kutenga mufurati mu chikwereti? Kushandiswa guta kubhadhara chikwereti - muitiro wakakurumbira. Asi sei kuita zvakarurama izvozvo kuziva kwete zhinji. Mune dzimwe mabhanga, unogona kurishandisa somunhu pasi muripo.

Kuti aite izvi, unofanira avanyevera kuti kubhangi vashandi kuti achaita kuti mubhadharo wokutanga kwete mari uye gwaro. Uye munofanirawo kuvaka rakawedzerwa pasuru magwaro.

Chikamu zvitupa unofanira kutora mudyandigere mari Somuenzaniso, rugwaro pamusoro mamiriro nhoroondo yako. Uye vamwe magwaro kuti vazviise mudyandigere Fund, sezvo zvose nokungwarira achiongorora, nekuti pane zviitiko zvakawanda apo vanhu kuti unongoda mari maternity guta.

The mari hamvuropu, kufungisisa mari - ingano kana chokwadi?

Vamwe vanhu vanowana mari kubva wandei zvinopa mari. Uye chikamu zvokuti pakati mari kuvanhu wakabudiswa mahamvuropu. Sei kuva iyi? Kutanga muna 2014, mabhanga akawanda nyore kuti issuance purogiramu mogeji. Ndokusaka, unogona kupa rugwaro ari isingachinji muchimiro kubhangi, umo basa achaita kuratidza zvizere uwandu wako mari, pamwe bonuses uye chero kushambadza. Pane mabhanga zvinobuda mortgages zvose zvinyorwa zviviri! Asi muchiitiko chino zvakafanira kuti kadhi akakwana kare, ruzivo refu musangano.

Ndezvipi zvimwe mari vanofanira kufunga vanhu vanoda kuwana mogeji?

Ndinoita vanofanira inishuwarenzi mekamuri ane chikwereti cheimba? nyaya iyi inonetsa anokwereta zhinji. Hongu, kuti inishuwarenzi mekamuri zvakajeka kudiwa. Zviri nezvaidiwa kubhengi zvayo "airbag". Nokuti kana mufurati ipapo chinhu chinoitika, kwete anokwereta zvose vane mari yekubhadhara chikwereti uye kudzorerwa mufurati panguva iyoyowo, saka nokunonoka muripo ichateverwa nezvimwe zvinetso.

Ndinofanira mamakisi furati aine chikwereti cheimba? mubvunzo uyu inofarirwa anokwereta zhinji. Hongu, nzira iyi zvakakodzera kuita, uye pashure dzinoongorora furati kupa zvinyorwa kubhengi.

Sei kusarudza mufurati?

Pakutanga, unofanira kusarudza chii pokugara zvaunoda. Yechipiri kana uchida kubatanidzwa vagari pakuvaka, kana wagadzirira kutenga furati mutsva rakapedzwa mumba, asi pamwe painoperera. Pachishandiswa zvaunoda, unofanira kunhonga mogeji chirongwa. Kazhinji, zvirongwa izvi zvinosiyana nemashoko. Uye chikuru chokuratidza ndechokuti anokwereta anoda kutenga imba.

Kana ukasarudza kuita vagari pakuvaka, iva nechokwadi kuti kutarisa wongororo ari boka, unova yokuvaka. Kuti tive nechokwadi chokuti mufurati achaiswa pasi nguva uye iwe havana parumananzombe.

Unoda kuwana chikwereti iri mari Bank?

Zvaunoda kuti chikwereti mufurati? Mhinduro yomubvunzo uyu inogona kuwanika pamusoro YEPAMUTEMO YEPAINDANETI kubhengi. Mirayiridzo: mari Bank - chikwereti - chii magwaro anodiwa kuti mufurati?

• Agreement kuti chinangwa.
• pasipoti yako.
• 2 gomba.

Cherechedza kuti mune mubhangi ichi vari kufungwa chete akasimbisa anokwereta mari, saka kana uine mukuru mari haisi guru chaizvo, zviri nani kuti kutenga co-signer kana rubatso (pangava wandei). Uyewo, unogona kukwezva co-anokwereta. Kubva zvinoda magwaro chete, uye kuti kubva kwamuri.

Iwe yakatengwa mufurati chikwereti? Zvaunofanira Kuziva

Ose mugari of Russian Federation 1 nguva muupenyu kudzorera mari yakawandisa kutenga Apartments, kuripwa yechimbadzo chikwereti uye kugadzirisa zvivako. Izvi zvingaitwa sei? Unofanira 1 pagore kupfuura hofisi mutero gwaro mari, uchapupu kuvapo mortgages nevamwe. A zvakawanda ndandanda anogona kuwanika pamusoro IRS websites kana zvakananga kuongorora.

mari yakawanda sei zvichakurukurwa vakadzoka? Uchawana shure zvizere uwandu kwemitero kuti wabhadhara muzvirevo gore. Tapota ona kuti mari iyi muganhu. Unogona kudzokera vaifanira kubva 260 zviuru rubles yose nguva, uye imwe chete nguva muupenyu hwake.

Chii magwaro anodiwa mutengesi furati pamusoro chikwereti?

• Rugwaro mamiriro kunyoresa kodzero.
• Gwaro, yakavakirwa icho kodzero kuuya.
• Mashoko pasina chikwereti utilities.

Kushandisa kuti chikwereti cheimba?

Zvaunoda kuti chikwereti mufurati isu kare afunga. Ikozvino tinofanira kufunga kushandisa kuzvigamuchira. Zvaunoda kuti chikwereti mufurati?

1. Sarudza pfuma uye kubhengi umo Unoda chikwereti.
2. Anoreva yasarudzwa kubhengi mazano, pakusarudza zvinodiwa chirongwa uye mazita magwaro kuti akabvuma.
3. Kuunganidza zvinyorwa uye kumbira kubhengi rako kushandisa.
4. Kamwe kubvumirwa kuti chikwereti pamwe kubhengi kusaina chibvumirano pamwe yokuvaka uye chibvumirano waakazvitengesa.
5. Vachagamuchira gwaro mamiriro kunyoresa kodzero pamwe seiko kurema.
6. Inishuwarenzi nayo. Izvi zvinogona kuitwa chero boka, iyo pamwe kumahombekombe wako. Aine list, unogona kuona kana pamahombekombe wacho Website, kana iwo mubhengi. Uyewo mashoko unogona kupa Hotline.
7. Nakidzwa wako mufurati!

Zvaunofanira kuteerera?

1. chimbadzo. Kazhinji, vashandi kubhangi kuti vaende anonyengera uye enyaya chibvumirano ane yepamusoro chimbadzo kuti vawane mari yakawanda iri vakawedzerwa. Ivo vanovimba kuti murege kuverenga. . Uye kana shure cherechedzai chikanganiso hamugoni uchapupu chinhu.

2. Izwi iri chikwereti uye rendi uwandu. Nokuti kwenguva refu nguva, mukuru mukuru overpayment, sezvataona kare. Ngwarira! Verenga magwaro ose. Kumbira chinhu chausinganzwisisi. Usanyara. Kana chinhu Inovhiringidza unogona nguva dzose kudana Hotline uye kujekesa zvose mibvunzo.