How kuderedza mwero iri chikwereti iri mari Bank? Basic nzira nokuti kuderedza huwandu mubereko

Vagari vakawanda mamiriro edu vanokwanisa kutenga dzimba dzavo bedzi pamusoro chikwereti. Asi zvikwereti mari zvakadaro rakapa musi yakarebesa, izvo zvinogona kusvika matatu. Panguva iyi, unogona kushandura zvakawanda zvinhu, kubvira utano mari yacho kubhangi mutengi uye anopera zvoupfumi mamiriro ezvinhu munyika. Panyaya iyi, mubvunzo sei kuderedza yechimbadzo chikwereti iri mari Bank, zvikuru akakodzera kuti vanhu vazhinji munyika. Pashure pezvose, vakawanda vanoshandisa kuminamato sangano iri kunyanya zvemari. Kuwa muna pfuma mitengo mumakore achangopfuura zvinokosha, izvo zvakakanganisa yechimbadzo mogeji.

chimbadzo urongwa

Panguva iyoyo, bank vashandi vanogona kusimbisa kuti zvino mwero shoma pamusoro zvikwereti chikwereti iri 8.9 muzana. Ichi pamwero yakaderera chaizvo kuti chinokwezva vatengi. Asi chokwadi chokuti haana ose chigadzirwa kubhangi zvakadaro anoyevedza ezvinhu.

Promotions kuti zvivako zvitsva

The Bank inopa kutenga chikwereti dzimba mumusika chepuraimari. Panguva iyoyo, mari zvikoro kupa zvikwereti kuti pekugara iyi mhando pa 10.9 muzana paavhareji annum. Asi ichi ndicho bvunzo chirongwa muoti, nokuti zviri dzichichinja Pakuurayiwa chikwereti. Asi kana zvakarurama tinosvika kuna nyaya, unogona kudzidza kuti kuderedza yechimbadzo chikwereti iri mari Bank kusvika 8.9 muzana. Chinhu chokutanga kuitwa kuti nemhosva, zvinofanira vakanyorwa electronic muzinda Real Estate Sberbank. Izvi zvichaita kuwana dhisikaundi kuti 0.5 muzana. Danho rechipiri richava kuwana yokuvaka uyo kushanda pamwe kubhangi, uye zvichaita kubvumira kurerutsa mwero iri chikwereti kuti nhoroondo yake. Pane imwe nzira kuti ndiitewo muhoro chirongwa. Zvinonzwisiswa Clearance muhoro kadhi mubhangi, zvichaita kupa mukana kuwana dhisikaundi kuti 0.3 muzana. Uye, naizvozvovo, ndiyo imwe nzira, sei kuderedza chimbadzo pamusoro chikwereti yako mari Bank.

musika yechipiri

Kana mutengi asarudza kutenga chikwereti wechipiri dzimba kuburikidza kubhangi, kufarira mwero 11.5 muzana paavhareji annum. Kana mubasa muhoro chirongwa, zvinokwanisika kuderedza kuti 0.25 muzana. Uye zvakaitika yechipiri redzimba anogona kuderedza mwero kuti 10,75 muzana kana chikwereti kunotora mhuri wechiduku, t. E. The zera kwevarume isingasviki makore 35. Asi kuti tiwane dhisikaundi achava chete zvichibvira pamberi pavana vari mumhuri. Iyi ndiyo imwe nzira sei kuderedza yechimbadzo chikwereti iri mari Bank pavaizvarwa.

Real kuchamuka munyika

Chimwe chipo pamahombekombe kuti chikwereti chikwereti kutenga zvivako akagadzirira akagadzirwa kana konekwa okuvaka uye apera kunze kweguta. Panyaya iyi, shoma ezvinhu pasi iyo pamahombekombe inobvumirana - zviri 11,75 muzana paavhareji annum. Asi nemhosva achakwanisa kuwana nzira kuderedza prices mberi kana zvakakodzera.

uto Mortgage

Mari Bank kushanda pamwe nemasangano muchiuto, saka vashandi vanogona kuwana chero musha chikwereti pasi shoma chimbadzo pamusoro 11,75%. Vanhu vazhinji vanoshamisika kuti kuderedza chikwereti kufarira Sberbank, kana ndiri kushumira bhajeti. Mumwe kutengeserana akasiyana, asi wakati vainyatsoongorora ose kushambadza, discounts, munhu vangadzidza yakanaka zvakatipoteredza kuderedza uwandu mubereko kubhadhara ari mogeji.

Construction uye guta pachako

Kana munhu anoda kubetserwa iri kuronga kuvaka imba kubva muvare kana chikwereti sezvo rubatso kushandisa mari oga, ane mukana ape mwero 12.25 uye 12,5 muzana paavhareji annum azvaitwa. Zvinofanira kucherechedzwa kuti pachavo zvinhu zvinogona kushandiswa chimwe chirongwa rwezvemabhengi mogeji.

mamiriro inokosha anokwereta

Kana munhu anoda kubetserwa asarudza kuwana chikwereti, inofanira kuva makore 21 okuberekwa panguva chionekeso, uye kuti kubhadhara chikwereti ane makore ake 75. Muzviitiko apo pane akasimbisa chokwadi basa, uye nemhosva haripi nzwisa akataurwa mari, wokupedzisira makore chemhosva of chikwereti havagoni pfuura makore 65. The chete Kunze ndiko chikwereti nokuda muchiuto, pane zera muganhu makore 45 panguva nokuripira.

Shoma chitsama ane chikwereti chikwereti - zviuru mazana matatu. The kunonyanyisa mutsividzo nguva iri makore 30. Mumakore mashanu apfuura, nemhosva vanofanira kuva gore pane rimwe jinda ukuru uye basa iri panzvimbo yepasisa, apo akamuka basa kwemwedzi dzinenge mitanhatu. Kana vakaroorana havafaniri kubata muchato, nhengo yemhuri yechipiri kuita sezvinoita co-anokwereta. Zvinofanira kucherechedzwa kuti co-anokwereta havafaniri kupfuura vatatu.

Uyewo munhu anoda kubetserwa anofanira kuudza Bank of nzvimbo dzokugara zvechigarire, uyewo pekugara, yakatengwa muna chikwereti kunodiwa kuti panguva muganhu bhuku nebazi Sberbank. 20 muzana nomutengo - ndiro shoma muripo uri mogeji chikwereti.

Zvose izvi zvinhu hadzingoshandi chete emauto. nzvimbo yavo dzokugara hazvina basa, chero ivo vagari Russian Federation uye muchirongwa tinofanira kugara mogeji hurongwa.

External zvinoita kuti itibatsire mwero

sangano zvemari Mumwe zvinokosha kuva chinokosha munzanga hweHIV. Naizvozvo, kudzidzisa itsva prices maduku, yaanouya nayo kuti ive chisingarambiki kubatsirwa kuti vatengi vavo. Zvakakosha kuyeuka kuti chinangwa chikuru mabasa nemabhengi nemamwe masangano vezvokutengeserana - ndiwo zvisingabatsiri. Panyaya iyi, zvinoderedza kufarira prices anongofunga nokuda Bank iri revadzidzi policies uye pane pari ezvoupfumi mamiriro munyika.

Central Bank of Russia kunokanganisa zvose mubereko prices pamusoro zvikwereti. Uye kana nemhosva anofarira mubvunzo wokuti mumari Bank havachakoshesi mubereko prices pamusoro mortgages pakutanga kutarira nhau kubva Central Bank. Kureva nokufamba nezvekukosha siyana dzeEurope uye zvoupfumi mamiriro ezvinhu munyika kunokanganisa kukosha kiyi mubereko prices pamusoro zvikwereti. Kusanganisira simba uye mwero mitengo.

With vatsigire mamiriro, pane dzinopiwa nehurumende bhajeti, izvo kunokanganisa rutapudzo mhindu prices. Ivo husingakwanisi, sokuvapo chirongwa rinoitwa mamiriro. Chokwadi, mabasa aya zvakananga novimba ezvinhu zvoupfumi uye mari, izvo maererano kuvakwa indasitiri yakagamuchirwa. Rinopa mhinduro yomubvunzo wokuti kana zvichibvira kuderedza yechimbadzo mogeji. Sberbank akaderedza rayo kufarira nechikamu 1.35% mugore ano, izvo yekudyidzana akaderedza User mhosva.

Kuderera mune chikamu hunotovapo mortgages

Chokutanga chamunofanira kuziva, chikuru chitsama chokutanga mubhadharo pamusoro chikwereti, shoma vaifanira zvino kubhadhara. Chido kuderedza mwero inogona kuitika nezvikonzero zvakasiyana-siyana. Uye kune zvitatu nzira inobudirira sei kuderedza yechimbadzo chikwereti iri mari Bank. mutemo chii inoita kuti vaite - mutemo yeUnited wakadzikwa muna 2015. Asi nzira idzi hazvina zvinobatsira sezvo zvingaita sokuti pakutanga kuaona.

Kugadzira kugadzirisa

nzira iyi zvinoda kuchinja mashoko chesungano rakagumisa pakarepo. Inogona kushandiswa zviitiko apo mutengi kwakachinja mamiriro ezvemari. Uye sezvo kudzikira kwaro, uye kuvandudzika kwayo.

Kana mutengi shoma mari, kubhangi anoenda akananga kuderedza mutoro vachibhadhara. Mune zvimwe zviitiko, kubhengi kunosvika muripo nguva kwemakore, saka achidzikisa wakasimba kubhadhara. Panewo mukana kuwana reprieve pamusoro pamuripo mukuru mari, mubereko kubhadhara acharamba. Kubhengi zvakare anokamura chikwereti wechikoro uye kufarira, asi mumamiriro ezvinhu huru mari mutengi akabhadharira iri pamwedzi hwaro, asi kufarira uri Quarterly hwaro. Unogona kuwana zvikwereti yezororo, ndiko, kwenguva yakati kuti, asi nemhosva anosunungurwa kubva dzose kubhadhara. Uye yokupedzisira nzira, kana iwe tora chikwereti muna mumari Bank sezvo yakaderera chikamu, ndiko kuti ape purogiramu nomumwe.

Sezvingatarisirwa, shoma nguva unofanira kudzorera chikwereti, rezasi ari overpayment pamusoro chikwereti. Panyaya iyi, zvinenge zvose anokwereta vari kuedza kuderedza nayo. Kuti aite izvi, unogona mberi sezvinotevera:

• Kana munhu anoda kubetserwa ane mari, inogona kukwana kubhadhara chikwereti pachine. Sezvingatarisirwa, bhengi nacho munzvimbo yokutanga kuderedza uwandu pamwedzi kubhadhara, asi zviri nani kushandisa iri rutapudzo rokuti pakati muripo. Uyu ndiwo mumwe zvokusarudza, sei kuderedza chimbadzo pamusoro chikwereti yako mari Bank. Kureva yeGmail.END_STRONG wacho mari kushoma, uye zviri nokukurumidza kuvhara chikwereti.
• Kuderedza chikwereti izwi nokuwedzera kuti rendi. Kuti aite izvi, unofanira kupa kubhangi zvose zvakafanira mapepa certifying kuchinja mamiriro ezvinhu emari ari nemhosva.

Kugadzirisa - imwe yenzira kuderedza mwero iri chikwereti iri mari Bank pavaizvarwa.

refinancing

Asi nzira iyi hazvibatsiri uye zvakakunakira nguva dzose. Anenge mabhanga ikozvino kupa kuna vatengi vavo, achivimbisa yakaderera. Asi pane zvimwe zvinhu kuti haafadzi mutengi;

• Tinofanira kuzodzosera gadzirira vose zvinyorwa, kusanganisira apiwa kuita tinyatsonzwisisa kuti zvivako, kubhadhara hurumende kubhadhara, kuwana inishuwarenzi uye zvakafanana. Uye kana zvakakodzera kuti zvishoma vasanyanye zvazvingava, zvingangoita kuti mutengi achapedza kupfuura unogona kuwana.
• Kana chibvumirano akanga ushandiswe munhu moratorium pamusoro chiito chakadaro, rezasi mwero pakuguma hakushandi.
• Dzorera mubhadharo inishuwarenzi pamusoro chikwereti zvikasashanda, nokuti fanira muitiro.
• Kana munhu anoda kubetserwa kanenge kamwe vakaputsa muripo, chero kukumbira dare pamahombekombe vachange hamungaguti.

Zvatakurukura ose zvokusarudza, sei kuderedza chimbadzo pamusoro chikwereti yako mari Bank, tinogona kugumisa kuti zvinogona kuitwa, asi haisi zvinobatsira nguva dzose. Mune mamwe mamiriro ezvinhu, yakaderera hunotungamirira zvinoderedza chikwereti, mune vamwe kuderera haangavi zvinokosha, asi mari zvakagadzirwa kwayo kutaurirwa kurwadzisa kuti yeGmail.END_STRONG wacho chikwama. Nyanzvi vanokurudzira kutanga kuzivana nevanhu chikumbiro yacho kubhangi; nekuti chero chigadzirwa, zvose masangano ezvemari sezvo zvinobatsira, asi hazvirevi chinhu. Chete kunyatsoongorora dzinoongorora zvose, unogona kuponesa.