Housing chikwereti - mutoro kana mukana mukuru

The gakava pamusoro kana kwete kutora mubhangi chikwereti kutenga imba kana kuti mufurati kwenguva refu kuitwa nguva uye, zvichida, havazovi magumo.

Mortgage Vanopikisa vanoti kuti izvi mhando anomukweretesa muRussia panguva paro - uranda, izvo kupinda anokwereta. Izvi dzakanzi kubva zvikuru yakakwirira kufarira rates, Somugumisiro, ukuru rendi, kuti aspirant kuti yemari mhuri payer. Zvechokwadi, ivo kanoverengeka kuvatumwa muEurope uye United States.

Asi vaya vanofunga kuita kutora dzimba chikwereti, vanonyatsoziva zvose nengozi uye matambudziko kuti nawo, asi funga izvozvo chete wokuti kugadzirisa dambudziko redzimba. Zvechokwadi, kutenga nzvimbo pachavo mari dzavo haigoni kutenga, nokuti vamwe vanhu mubvunzo zvakasiyana: zvose hwake kuti dzinoungana kana kubhadhara "babamukuru" nokuti Rental dzimba tariro yokuti zvinhu zvichaita zvimwe kuzvigadzirisa pacharo, kana kukwereta mari Bank uye vanogara mumba make. Ukatarira nemaonero ichi, pfungwa iri kuwana musha chikwereti, hauchafambi anotarisa chaityisa kwazvo. Trite asi zvechokwadi: zvose ihama.

Mumwe wokutanga uyo akatanga kunamata yemutoo wezvikwereti mhando iyi yava Sberbank. Housing chikwereti apo unogona kuwana zvinhu hahwo. Kuwedzera mureza zvirongwa, pane chinokosha Somuenzaniso - kuti refinance zvikwereti vakagamuchira kwokutanga. Munguva ichangopfuura, kudiwa pakati pevaya vakapiwa pekugara chikwereti zvikwereti makore mashoma apfuura, pamwero kwazvo chiratidzo 20% pa annum. Nhasi, nhamba idzi dzinoita hazvidaviriki, asi ari ezvinhu panguva iyoyo, mumwe sarudzo haasi kuwanika.

Under chii ezvinhu anogona kuwana dzimba chikwereti

Mari Bank, kufanana nemamwe masangano zvemari, rinoburitsa mari chikwereti, vose yakasimbiswa nokuda huripo kuchamuka chaiye, uye mumwe ari watengwa. Sezvo mamwe mashoko riwanikwe anokwereta dzowokwake anogona kunzi sezvo rubatso.

Shoma mubereko prices kazhinji dzimwe mari. In rubles chinonyanya kukwezva ezvinhu zvakabayirwa mhuri dzechiduku vanoronga kutora dzimba chikwereti. Saka Ruble vachafanira kubhadhara kubva 10% pagore, uye kufadza nguva iyo unogona kukwereta mari, ndiwo makore 30. chipo ichi chinoshanda kumhuri umo makore anenge mumwe kuwanana hakuiti pfuura makore 35. Kana pasi mari, ipapo shoma saizi iri chete 10% of kukosha vawana pfuma.

Kana isu kutaura pamusoro anokwereta, ane zera harina vayambuka mutsetse kuti makumi matatu nemashanu, ari chimbadzo mu rubles ichatanga chiratidzo 12% zvichienderana chikwereti mhando, kureva basa pasi chii pfuma iri rakapa. Ukuru yokutanga yakavamba iri zvinobva 10 kusvika 15%. Panguva iyoyowo, sezvinoita mutemo, zviri maduku Apartments, uye pasi kuvakwa misha yakawanda.

Setsika, zvikwereti kuti zvivako muzvirongwa pasi kuvakwa anokwereta anodhura pane kugadzirira-akaita dzimba. Asi panguva iri mari Bank dzinokosha mashoko, izvo vapinde nechikwereti kuritenga hakusati mapfumo chinhu kunogona rinenge ezvinhu zvakafanana nokuti chinhu rakatorwa nehurumende basa.

Kana kwete kugamuchira zvikwereti, zviri zvechokwadi munhu. Zvisinei, nokuda rakadzikama kukura mune dzimba mitengo kunogona hwose kuponesa kuti imba kana mufurati uye haana kusvika chinangwa chawo.