Chii AHML? Zvakakurukurwa sangano

Mortgages refu zvakurukurwa yakakurumbira basa nokuti kunoita kuti kutenga dzimba dzavo. Nokuda kwaizvozvi Agency hwagadzwa, vachibvumira kuti ape ichi mhando chikwereti. Rinopa zvirongwa okuti dzavo uye nemamiriro, izvo zvinogona advantageously uye yakavimbika kuronga zvikwereti. Uyezve munyaya ino isu ichatsanangura chii AHML uye chii zvinhu zvinopiwa varidzi pokugara.

pfungwa

Saka, chii chinonzi AHML? The Agency nokuti Housing Mortgage Lending. The sangano rakaumbwa muna 1997. Chikonzero chacho zvisikwa waiva mugumisiro kwehurumende mumirau 1996. AZHIK migove vari pachena-anazvo.

Zvinangwa uye zvinoitwa chacho

Chii AHML kuti vagari? The sangano rine zvinotevera zvinangwa:

• Kuunza dzakafanana zvaanoda dzinogarwa mortgages.
• Kupa inokwanisika kwezvikwereti.
• Patinoita mogeji refinancing.
• Kusika musika yechipiri.
• Paumbwe kuchengetedzeka pamusika.

Uye chii AHML nokuda nyika? Sangano iri rinoita kukura chikwereti zvigadzirwa, uye kuti ape liquidity kumabhengi. Nyika ine AHML yeUnited uye aitarisira Masangano panguva remunharaunda chechetere.

With mabhanga anonzi Agency anoita basa sezvinotevera:

• Vakatsunga ne Pakuurayiwa chikwereti uye rinoitwa zano anokwereta.
• Partner kubhengi chikwereti anopiwa.
• AHML kutenga kubva mudiwa sangano raMwari kodzero chikwereti zvinodiwa.
• Zvinoreva kutaura pasi chikwereti sangano anogamuchira uchingoti zvisungo pamusika wemari.
• Mushure kuchinja akakweretesa anokwereta Anoudzwa kuti chikwereti hwakatamisirwa Agency, uye mashoko matsva aripe. Zvakaratidza kuti chikwereti makapiwa neHurumende.

The apa dhayagiramu inoratidza kuti parameters esungano zvikuru kukwezva ezvinhu pane private mabhanga. Izvi imhaka hurumende mutemo, izvo zvinoita mortgages iripo. Asi pangava okuwedzera mhosva kumabhanga.

zvakwakanakira

Vazhinji kutendeukira kuna HMLA. Mortgage anokwereta rubatsiro ane zvinotevera zvazvakanakira:

• Zviri chevanorwara paruzhinji.
• Sezvo munhu anoda kubetserwa accesses ari rwezvemabhengi sangano ishamwari ari Agency, ekupedzisira anoita kuchengeteka kushanda kuchinja pakutanga nekambani mazwi.
• The sangano rinopa chikwereti siyana zvirongwa, sezvo kufungwa dzakasiyana vokuparidzira mapoka.

nezvayakaipira

Asi pane dzimwe nuances vane pamwe AHML. Mortgages musangano rine zvainovhiringidzawo yaro:

• Mafomu ichakurukurwa refu, iyo chokuita maviri danho kuongorora zvinyorwa - wokutanga basa rinoitwa nomudzimu Agency, ipapo bhengi.
• Inopa mamwe mabhanga makwikwi pamwe Agency uye vane zvakawanda zvakanaka prices.

Zvinodiwa Kuti anokwereta

Banks pokuita yepurogiramu, Agency basa ezvinhu uye vaite neanokweretesa yavo. Somuenzaniso, muna mitemo yakatangwa nayo, pane nzira kuti chikwereti refinancing uye kutsigirwa. Uyewo pane varipo zvinodiwa kuti kwema avo.

Anokwereta vanofanira kusangana zvinotevera ezvinhu:

• Kuvapo Russian mugari, kunyoresa panzvimbo pokugara kana kugara kuruoko vanyorwa nechikwereti.
• Mortgages makapiwa vagari makore makore 18-65.
• Under chibvumirano mumwe hazvifaniri anopfuura 3 anokwereta.
• Anokwereta inosimbisa mari gwaro 2NDFL kana anozadza fomu iri inopiwa AHML.

Details of Credits kupa panguva pamutemo nzvimbo HMLA. The sangano monitors zvaidiwa nemitemo munyika, saka mortgages riri kuonekwa kuti akavimbika.

marudzi zvirongwa

chirongwa Mumwe AHML kunoratidzwa anotevera zvinhu:

• Zvikwereti vanopiwa mu rubles.
• The kwokutanga kubhadhara 10-30% pfuma ukoshi.
• The muripo chitsama anogona haapfuuri 45% of yeGmail.END_STRONG mari.
• Unofanira kuti ape inishuwarenzi.
• Kana ukuru pasi kuripwa asingasviki 30%, zvakakodzera inishuwarenzi mutoro mukwereti.
• Inishuwarenzi upenyu hunogona sezvo achida.
• Housing aishandiswa rubatso.
• The kunonyanyisa chikwereti izwi iri makore 30.

AHML chirongwa nechimwe ine zvakanakira nekuipira. Mumwe wavo - "New". Zvinonzi chakagadzirirwa mortgages kuti dzokugara mukuvaka kuti dzakavakwa pashure 2007. Chirongwa zvakare akapa dzimba "upfumi" mudzimba. Rate ndiye 6.15% -11%.

The "raamai guta" kunoita kuti kuwedzera uwandu mbiri ipiwe mu uwandu guru. Uyewo rinoshandiswa kubhadhara kwokutanga kubhadhara 10%. The zvazvingava zviri 7,65-10,75%, kana chikuru redzimba pamusika, uye 8,65-12,45% kuti musika dzisiri.

The "Mortgage Military" rakagadzirirwa vechiuto vari chikamu mumari uye chikwereti gadziriro (NIS). Vanogona kuwana chikwereti anosvika mamiriyoni 2,2 rubles. On chikwereti huwandu kwemari haina kukanganiswa. The kunonyanyisa izwi iri pakutsvaga kana mutengi ndizvo makore 45 okuberekwa.

chirongwa Mumwe unokubvumira kuwana chikwereti zvakanaka mashoko. Clearance uye kugarwa kurapa zviri nyore. Clients vakapiwa zvakwakanakira kupfuura kugadzirira mureza mogeji.