How kutengesa mufurati mu chikwereti "nemari"? Ndinogona tengesa mufurati mu chikwereti "nemari"?

Mumakore achangopfuura, vakawanda vemunyika Russian nezvinoda kudiwa kuzviwanira Real Estate mogeji. The ndechokuti nzira iyi ndiyo inokwanisika. Kuti tiwane chikwereti, iwe kamuka njodzi zvose, izvo zvisingaiti. Saka kazhinji pane zviitiko kana akatengwa nechikwereti pekugara anofanira kutengeswa. Ndinogona tengesa mufurati mu "nemari Bank" mortgages?

Sei tengesa Apartments mu chikwereti?

Chikonzero chikuru chakaita kuti kutengeswa Real Estate iri chikwereti, ndiye kushaya mari kubhadhara chikwereti kubhengi. Zvikonzero chokwadi pangava wandei. Heano rakajairika ndivo:

• kuderedza basa razvino mukwereti wacho;
• misiyano pakati pedyo, iyo pamwe chete kubhadhara zvikwereti musha ;
• kurambana;
• rufu hama akabatsira kubhadhara chikwereti;
• urema, kana anokwereta haana kuitwa kunze inishuwarenzi.

Sezvo mabhanga vari kutengesa mogeji Real Estate

Kana anokwereta haana mukana kubhadhara nenguva zvikwereti zvemba, kunze kazhinji chete nzira kutengeswa dzimba dzakadaro uye kutenga idzva, isingadhuri. Kutengesa mufurati pasi chikwereti "mari" Zvinogoneka, asi rinofanira kugamuchirwa nenzira yakakodzera resolution.

Kubhangi anofarira chokwadi kuti vachibhadhara tinogamuchirwa mune nenguva netsika pasina delinquency. Naizvozvo, kuti kudzivisa mamiriro ezvinhu akadaro kazhinji kubatsira anokwereta kutengesa pfuma.

Kutengesa mufurati kuburikidza chikwereti "nemari Bank", zvinokosha kuti ape chesungano iri kutengeswa Real Estate. Kana mufurati chakatengeswa, kubhangi achaita mari, nekuti otorazve kare rakapa mari uye kuwana anokwereta itsva.

Dzichibvisa seiko kurema

Maererano Federal Mutemo "On Mortgage" (nyaya 29 uye 33), sezvo Akave nokuvandudza nokuda 2013, kodzero mukwereti vari:

• mukushanda Real Estate, riri kunyengwa kubhangi;
• pfuma Nokuraramisa mu yakakodzera muchimiro akkommodasie.

Seiko kurema inonzi kuti zvehurumende kurudyi anaro-siyana zvakasikwa, chokuita mukana kushandisa dzimba. Kana pamusoro pezvatinotaura chikwereti, anokwereta anekodzero kutamira kumapati rechitatu vawana pfuma. murayiro uyu hunodzorwa Federal Law 102 (Article №6). Sezvo zvagara, isu funga chete nyaya nhaka.

Dzichibvisa seiko kurema zvinoreva kuti zvakarurama anaro achava akasununguka kubva kurambidzwa kuchinjwa pfuma uye anogona kusandura nezvazvo sezvo uchida. Bvisa mutoro yakasimbiswa Apartments kunogona chete kana anokwereta akagamuchira mvumo chikwereti kubhengi uye vakapedza matanho zvose maringe sero.

Sei kutengesa mufurati, akatenga munhu chikwereti, "mari Bank", pasina mvumo

bhangi chisarudzo haina kunodiwa kana anokwereta akatotora seiko kurema. Kana anokwereta pamusoro kutora chikamu kubhangi kana kutengesa zvivako, zvakakodzera kubhadhara chikwereti chikwereti kwavari. How kutengesa mufurati mu chikwereti "nemari Bank" iyi? Pane nzira mbiri.

Anokwereta anogona kutora imwe chikwereti, asi mutengi. Mushure ose anodiwa mapepa uye kuwana mari inodiwa kubhadhara kunoshamisa chikwereti ari chikwereti achaunganidzirwa. Zvadaro unogona norugare mberi kuti sero.

Unogonawo kuwana mutengi asina kutya kutora ngozi uye achida tenda "iri shoko" mutengesi. Panyaya iyi, risiti yakaitwa, maererano izvo mutengesi anotora mari kubva mutengi abhadhare chikwereti. Saka, nokuchengeta chinobviswa. Zvisinei, vatengi vacho izvi vanowana zvakaoma.

How kutengesa mufurati pamwe seiko kurema (chikwereti "nemari Bank"), kana mvumo inotengwa

Kutanga ndiko kunoona kubhengi mukuru. Kana anokwereta anogona kufunga kusvika Real Estate okutengesa zvikonzero zvikonzero, kubhangi vachaenda kunosangana uye kupa kupfuura vakarongeka nzira yokugadzirisa dambudziko.

Izvi zvinoteverwa kwacho rokugadzirira akanyorwa mvumo kubhengi. Kamwe mutengi, mukwereti anofanira kuzivisa bhanga pamusoro kutengeswa uye kutenga details, sapamazuva chikwereti anomukweretesa chibvumirano vangafanira kuchinja.

uto Mortgage

How kutengesa mufurati mu chikwereti "nemari Bank", kana zviri hondo? Mortgage Military musiyano ndechokuti zvibvumirano pamusoro anomukweretesa uye chivimbo zvikwereti zviri akasaina panguva imwecheteyo. chipfuro chikwereti chibvumirano kuti pekugara inofanira kuongororwa uye chikwata pamwe sangano "Rosvoenipoteka". anogona kutengeswa mufurati mune chikwereti mu "nemari Bank" mumamiriro ezvinhu akadaro - a moot pfungwa. Sezvo kufarirwa zvose zvinodiwa sezvo pamwe kubhangi, uye pamwe chete "Rosvoenipotekoy" dzinokosha dziri:

• kuti vatengi kwebasa mhando;
• Stage kubhadhara chikwereti chacho;
• kana mutengi anogona kuripa mwedzi kubhadhara.

Sale pasina kutora chikamu pamahombekombe

Sezvo achida anokwereta anogona kuita kutengeserana kuti kutengeswa mufurati pachavo, pasina kunobatanidza pamahombekombe mune izvi. Kana mutengi kunokosha:

• kuti azive uwandu chikwereti uye vawane akakodzera okuti;
• kuti ndiite rokutanga chibvumirano kuti kutenga pfuma uye kuvimbisa ake gweta;
• kubhadhara chikwereti kubva mari dzinounzwa kuna mutengi, vamwe mari panguva imwe mumabhatiri imwe yakachengeteka dhipoziti bhokisi ;
• vawane mapepa kubva bhanga kusimudza seiko kurema;
• kushandisa regpalatu, seiko kurema chinobviswa pashure pemazuva 28;
• pashure kuwana kodzero dzokurasa yacho kuuraya chibvumirano waakazvitengesa.

Izvi zvinogona kuitwa kuburikidza Real Estate masangano. Panyaya iyi, mutengesi haangavi kupinda Nhaurirano kubhangi kunotora zvinyorwa uye kutsvaka vatengi kuti nemafurati. nyaya idzi zvichakurukurwa kugadziriswa vashandi pamusoro sangano. Nokuti mabasa akadai vachaparadzwa kupomerwa pamwero wenyika 5-10% of zvachose mutengo pokugara.

Sale pakati kutora chikamu pamahombekombe

The mutengi uye mutengesi vanobviswa zviviri mubhengi yakachengeteka dhipoziti mabhokisi. The mutengi anoudzawo mubatanidzwa muzvikamu zviviri, chimwe chinodiwa kuti kubhadhara chikwereti, wechipiri achawana mushure kutengeserana mutengesi. Access kune masero zvichava nyore mutengesi pamusoro mharidzo imwe vakanyoresa chibvumirano waakazvitengesa uye chitupa kodzero usingazungunuke pfuma. Kana ngaakuitirei mumwe chikonzero kana mumwe haana kutora nzvimbo, mutengi anogona kutitorera mari. Chero bedzi mari iri yakachengeteka dhipoziti bhokisi regpalata kunobvisa seiko kurema kunoitika vanyorwa kutengeserana kuburikidza gweta, iro anosarudzwa pamahombekombe abhadhara.

Vasingawanzotauri kutengesa midziyo, uye chikwereti, maererano iyo yakatengwa. Sei kutengesa mufurati, iri chikwereti, "mari Bank", kana paine anokwereta itsva? nzira iyi kunoenderana mubhengi, apo mukwereti mutsva anogona kushandisa nhamba itsva pamusoro chikwereti. Mutengesi anogamuchira musiyano pakati kukosha mekamuri uye zvakasara chikwereti.

Kana mutengi anotora rubatso mufurati pamusoro chikwereti chikwereti, zvakanakisisa kuzviita chete mubhengi. refinancing nzira mubhangi itsva ndiyo nguva dzose yainetsa.

Kubhadhara mutero pamusoro Real Estate okutengesa

Mitemo pamuripo okutengesa mutero chikwereti pekugara zvakafanana avo kuti kushanda kutengeswa Apartments, izvo kare anazvo. Kana furati iri anazvo asina makore anopfuura 3, ipapo mutengesi-anokwereta unoripa mutero pamusoro sero. Zvisinei, kana, kubva kutambira pfuma kodzero kwave anopfuura 3 years, kubva mutero wakadarikwa munyengeri.

zvakakosha

How kutengesa mufurati mu "nemari Bank" chikwereti uye torega yokurasikirwa paakapiwa mari? Uyu chaizvo basa rakaoma, nekuti chikwereti kwedzimba chakatengeswa, kazhinji nemitengo yakaderera. Sale ane chikwereti mufurati ndedzoupenyu hwakanyatsorwisa refu nguva uye kunoda kuunganidzwa yakawanda mapepa uye muripo unoitwa mari. njodzi dzakadaro havasi kuda kutora mazhinji zvinogona vatengi. Of kutengeswa Real Estate chikwereti vanoti munhu zvakanaka kudhura.

"Mari Bank", uyewo mimwe chikwereti sangano, hazvo ichabereka munhu kudzora kutengeserana Panguva ose. Pasina kubatsira chikwereti kuitwa kubhangi hazvibviri kunyange kunyoresa chibvumirano waakazvitengesa ne "Rosreestr". Kana vakatengesa redzimba pasi kuvakwa maererano kuvandudzwa esungano yacho zvakarurama (basa kodzero), ipapo kubhangi ucharaira muripo weUS 1% uwandu dzinounzwa kwavari kutenga dzimba. nzendo Vose kutengeserana inofanira muMagwaro chibvumirano pamusoro chikwereti.

How kutengesa mufurati mu "nemari Bank" mortgages? Uyu yakaoma uye nguva-pakuzadza nokutongwa rinoda hwakanyatsorwisa guru mari uye nguva. Zvisinei, kana chisarudzo chokupedzisira pamusoro kutengeswa chikwereti pokugara, ingangodaro. Kwakadaro zveefa ngozi chaizvo, saka mari chikwereti dzokugara kutengeswa zviri yakaderera, uye vatengi vari zvishoma kuda kutora dzimba dzakadaro.