Iyo mabhanga ipai mortgages pasina pasi mubhadharo? Apo ini kuwana chikwereti pasina pasi mubhadharo?

Vakawanda vangada kugara kwavo mufurati. Asi haasi munhu wose ane mari kuti mari yokutanga. Pane zvinotsiva uye kana chikwereti zvinogoneka pasina pasi mubhadharo? The pemahombekombe Moscow parizvino ane siyana zvirongwa kutenga dzimba kuti vanhu nezvido siyana uye zvinogonekwa. Saka, vanhu vazhinji vanofarira nyaya anogona zvakachengeteka kudavira chokwadi.

The kwokutanga mubhadharo. Munoda here? For chii?

Chokwadi kuti pokuiswa mubhadharo - kusiyana kukosha chikwereti chikwereti uye kukosha akawana pfuma, anozivikanwa nevakawanda. Asi handizvo zvose kuziva kuti kazhinji, saizi yayo kunokanganisa interest of chikwereti. The duku muripo, dzakanga mukana kubhengi-makata mari. Zvino diki uwandu pasi mubhadharo, dzakanga dziri chimbadzo.

Kana uchifunga kuti hapana chikwereti sangano hauchazopi mari pangozi yakakura zvakadaro, uri zvakaipa. Pari, chikwereti chaizvo pasina pasi mubhadharo. Izvo mabhanga ape chikwereti yakadaro? Zvose zvinoenderana chii Software zvaunazvo.

Dzimba dzavo? Inoshandiswa kutenga zvitsva! Mortgages pasina zvakabatanidzwa

Huripo pfuma inogona kushanda rubatso mortgages. Muchiitiko chino, unogona kutarisira avhareji mari isingadariki 70% yayo kuzvitaurira ukoshi. The yokupedzisira chitsama chikwereti achavaponesa mukwereti mari.

Iyo mabhanga ipai mortgages pasina pasi mubhadharo? Rakachengeteka dziripo dzimba mu "Bank of Moscow" , unogona kuronga chikwereti kutenga mufurati imba kana. Real yezvivako inogona kutengwa zvose zvikuru uye mumusika yechipiri. chikwereti chitsama - 500 zviuru 60% of kukosha rubatso pfuma. Kana chimbadzo kunobva chikwereti chikwereti saizi kunosiyana-siyana iri kuwanda 13.15% kusvika 15.25%.

"Rosbank" uyewo yakasimbiswa chikwereti chikwereti iripo Real Estate achida kugovera. The "Real Estate chikwereti richengetwe ne huripo Real Estate - RR" kunoita kuti kutenga imba, furati, imba kana nyika pamwero wenyika 12,6 kusvika 14.1% chete annum. Sechokumbofanobata kuti mufurati inogona kushandiswa, munhu imba pamwe nenyika kana kungoti nyika. Kubhangi akagadzirira ape chikwereti kuti mari isingadariki 80% of kuzvitaurira kukosha Real Estate rubatso. "Rosbank" - mumwe mashoma kuti zvinopa mbiri, uwandu zvisina kudzika zvikuru pane mari aripo dzimba.

Uyezve, imwe chikwereti yakadaro inogona wakabudiswa muna "Housing Finance Bank", "Svyaz-Bank", "Alfa-Bank" uye vamwe vakawanda.

Mortgage pasina pasi mubhadharo pamwe mamwe urongwa

Pane imwe mukana kunyoresa - kupa sezvo rubatso rubatso.

Apo ini kuwana chikwereti pasina pasi mubhadharo, kugovera sezvo rubatso, zvakadai somunhu motokari? Panguva iyoyo, mabhengi izvi havana zvakawanda. Pakati pavo, "Economy Bank", "Bank of Communications" uye "BystroBank".

In "Gazprombank" ndicho chirongwa "Improvement zvipenyu ezvinhu." chikwereti ichi, kana muchipinza kuti murege inoda kwokutanga muripo, asi ine chimwe chinhu. Kana achiita kadhi chibvumirano imi nesu achivimbisa kuti 9 months kutengesa rubatso pfuma uye mari vauye chikwereti zvibozwa. Panyaya iyi, mari haafaniri kuva asingasviki 15% uwandu kutenga dzimba.

chikwereti kugadzira pasi yepakutanga muripo

Vamwe zvikwereti mabhanga nyaya pasi panorongwa "nokuda kwokutanga kubhadhara." Panguva iyoyowo, sokubhadhara zvikwereti, iwe uchava kubhadhara zvikwereti maviri.

Iyo mabhanga ipai mortgages pasina pasi mubhadharo, kuita kunze panzvimbo imwe chikwereti? Kutaura zvazviri, masangano kuti vanoda kupa mortgages pasi chaiyo chikwereti nokuda pasi muripo, kwete zvokuti. Ndiyo "Delta Credit" uye "Moscow Mortgage Agency". Zvakanakisisa mukana uyu kuti kujekesa kubhangi kuti consultant, umo unoda kuronga zvikwereti.

Maternity guta. Tinoshandisa somunhu pasi kubhadhara kana waita mogeji

Uvandudze redzimba ezvinhu, unogona kushandisa mubereki guru. Banks kukubvumira kurishandisa somunhu pasi mubhadharo pamusoro chikwereti. Zvisinei, havasi vose chikwereti masangano vari kushanda naye.

Saka chii mabhanga kupa mortgages pasina pasi muripo, achitora pane mubereki guru? Pakati yakakurumbira mhuri guta sezvo wokutanga muripo kugamuchira nemabhangi "VTB 24" uye mari (pasi 11% uye 14% azvaitwa). Kubhangi DeltaCredit zvinobvira kuwana chikwereti, kubhadhara 5 chete% of mutengo pokugara.

Handizvo kare naamai akatanga kushanda nemabhangi guru "NomosBank" uye "Primsotsbank", asi ivo kare akakwanisa ndirumbidzwe, nemhaka vakavimbika ezvinhu kuti kuwana zvikwereti.

Mortgage pasina pasi mubhadharo ari gadziriro zvaunoda chikwereti

chikwereti ichi rinowanika kwehurongwa concessional anomukweretesa tichiregeredza ehurumende dzinopiwa. Asi haina kufukidza uwandu vanopfuura 10% pfuma ukoshi. Uyezve, chirongwa ichi kunoita kuti vagoronga chikwereti pasi kuderedzwa chimbadzo.

Concessional anomukweretesa zvinobvira muna pamberi gwaro achisimbisa Kodzero dzinopiwa ari yamunenge kukura. Gwaro iri nekanzuru mvumo mutumbi RF yacho. chitupa ichi chinoshanda kwemwedzi mitanhatu.

For mabhanga pokuita purogiramu, pane mwero mazita zvaida magwaro kana kushandisa sechikwereti. Kubatanidzwa mune concessional anomukweretesa zvinokosha kuzviisa pasi gwaro 2-gomba yokupedzisira kwemwedzi mitanhatu. Ukuru rendi haafaniri kupfuudza 45% of yemari yacho anokwereta uye co-anokwereta.

Iyo mabhanga ipai mortgages pasina pasi mubhadharo ari gadziriro zvaunoda anomukweretesa? zvikwereti izvi zvinogona kuunza AIZhK vadyidzani chete. Uye mumwe nomumwe munzvimbo mazita masangano iyo kupa zvikwereti vaduku vadzidzisi. Sarudzai rworudyi bhanga nzvimbo HMLA.

Mortgages nokuti vaduku vadzidzisi

Teachers, ane zera riri makore asingasviki 35 angava kodzera kuti chikwereti pasi chirongwa concessional anomukweretesa. Annual chimbadzo pamusoro 8.5% pamusoro pakuunganidza Apartments uye 10.5% pamusoro pakuunganidza imwe private imba kana mufurati pakuvaka Pasika.

Iyo mabhanga ipai mortgages pasina pasi muripo muduku vadzidzisi? MuMoscow, chirongwa mazita vamwe kusanganisira nemabhangi 'Interkommerts "Bank" Petrocommerce ", JSC" Safe House ", JSC" Housing Finance Bank ".