"Military Mortgage": mamiriro chokuwana wandei mabhanga. Sberbank uye VTB anoreva "Military Mortgage"

Processing kuti chikwereti richengetwe nokuda pfuma inonzi mogeji. Rinoshandiswa kuti kutenga dzimba kana Apartments, kuti pfuma iri yakatengwa ruve rubatso, sechivimbiso kuzopiwawo, asi muchiitiko chino mutengi anekodzero kurishandisa. Imwe mhando anomukweretesa kwakadaro "Military Mortgage". mamiriro ayo vakasiyana kwakajairika zvirongwa akagovera kutenga dzimba.

Nyaya

Kubvira 2005, mutemo vakapinda simba, iyo hwakagara mukana kushandisa zvose remauto accumulative chikwereti hurongwa (NIS). Panyaya iyi, risiti pokugara anogona kutanga kutaura pashure pamakore matatu kuita kuMudzidzisi mapurogiramu. Kuita nzira iyi musha kutenga masoja anomukweretesa akatanga chete muna 2009.

musimboti wayo sezvinotevera. Musoja, uyo kwemakore matatu, ari nhengo mari zvirongwa vangadzidza zvarinoroora pokugara. Panguva iyoyo yake pachake nhoroondo mari zvaive, izvo zvinogona kupedzerwa kutenga zvivako. chirongwa ichi akasikwa zvakananga nokuda muchiuto, nekuti basa ravo rinosanganisira pamwe kwenguva refu.

Ndiani unogona kutenga imba

Tisati kubata mashandiro ari chikwereti, unofanira kufunga vanogona kubatanidzwa mupurogiramu apo unogona kutenga mumusha zvinorondedzerwa zano. Mutemo unoshanda zvachose vose vemauto vari kushanda pasi Ushumiri kana batana mabasa. Izvi zvinosanganisira kwete chete Bazi Defence uye Interior, vadzidzi vanogona kuva uye vaya pasi Bazi Emergency Zvinozivikanwa, Spetsstroy Russia, ari FSB, FSO, Rosoboronzakaz, General Directorate of President wenyika panorongwa, uye nezvimwe madhipatimendi ehurumende.

Kubatanidzwa mumari uye chikwereti gadziriro anogona kunge fanira kana yokuzvidira. Under ayo mashoko, zvinosanganisira mapurisa vose vari vokutanga zvibvumirano vakapinda mubasa kubva 2005 zvichienda mberi, zvose warandi vakuru uye vasiri akarayira vakuru vakashumira kwamakore anopfuura matatu, kana iwe kuverenga kubva pakutanga iyoyo.

Uyewo, mutemo unoti mupurogiramu vawane avo vashandi vanenge akasimudzira kuti chinzvimbo pachinzvimbo chevatatu mukuru inopiwa, uye vaya kudzidza zvakakodzera mapoka uye akapiwa chinzvimbo mukuru kubva 2008.

Nokuzvidira mubasa chikwereti chirongwa munhu anogona uyo kudzidza kuzvikoro zvechiuto uye chibvumirano kusvikira kutanga 2005. Uyewo, kukura kwebasa ino kuwa zviratidzo, warandi navatariri, mapurisa uye zviduku vatariri.

Sei hurongwa inoshanda

Vazhinji vanotya kuti kubatanidzwa kuwanda mari yakadaro, anotya kuramba pasina mari uye pasina kwedzimba, zvose vanokanganwa kuti ndiro mamiriro "Military Mortgage". mamiriro ake ndeinotevera: State chikwereti chirongwa vechikamu zvose akazvitsaurira munhu nhoroondo yeUnited bhajeti rinodonongodza waakaudzwa uwandu. All mari kuburikidza hwakavimbika nekusimba mari zviridzwa vachiwanda. The dzinounzwa bhajeti mari iri indexed pagore. Somuenzaniso, kana muna 2012 wegore hurumende mupiro iri 205 200, muna 2013 chakatowedzera kusvika 220 000 rubles.

Terms of pakuunganidza redzimba

Kutenga yavo dzinogarwa Real Estate tichiregeredza yacho bhajeti, vechiuto vanofanira kuva nhengo NIS, uye chisipo chikamu mari kunyoresa chete nemabhengi-vadyidzani chepurogiramu. In vamwe kwakajairika zvikwereti redzimba hakusi akasiyana chaizvo "Military Mortgage". Terms mari Zvisinei, zvakawanda vakavimbika, nokuti pave kudzoka mamiriro.

Standard interest of chikwereti kunobva chikuru kana yechipiri pamusika Real Estate inogona kuwanwa, izvozvo anoda kubva 9,75 kusvika 11.25% chete annum. Panguva iyoyowo kutenga musha unofanira kuita zvinenge 10% ukoshi hwayo. Also akabvuma uye chikwereti izwi: makapiwa kwenguva kwete makore asingasviki matatu, ane kunonyanyisa izwi rake yakatarwa, inobva chokwadi kuti nenguva yakazara kuripwa chikwereti harifaniri kuzadzwa makore anopfuura 45.

Zvinokoshawo kuti vakagadzirira kuti mauto zvichaita kubhadhara mari dzose chokuita kutenga redzimba nemagadzirirwo kuti "Military Mortgage" akanga akapa uchadikamwa. mamiriro ayo anoratidza kuti mukwereti pachake inopedzwa pamusoro inishuwarenzi uye zviri pamutemo chokuita mabasa, pfuma kupima uye sezvayakanga kunyoresa.

zvemari masangano

Banks, naro anovandudza "Military Mortgage", zvinodiwa kuti tigamuchire chikwereti ichi hazvirevi yekudyidzana kuchinja. Asi mumwe nomumwe wavo ane pachake peculiarities ayo uye nuances. With chirongwa ichi, co-ishande shanu mabhanga: Gazprombank, Sviaz-Bank, Bank Zenit, Bank VTB 24, Sberbank kweRussia. Uyezve, 30% kuti kwema vose vakayambuka Agency vaiita chokugara mogeji anomukweretesa.

Kana uchisarudza chevanorwara zvemari musoja ose anekodzero kuziva zvinhu zviri chikwereti mumwe nomumwe wavo. Asi haina kuwana zvose pemahombekombe kuyeuka kana kunyora pasi nezvinodiwa nomumwe wavo. On nzvimbo United Federation vose vemauto Unis unogona kuwana kwete chete pasi mabhanga, asiwo zvinhu chokuita hukuru inishuwarenzi, mamwe mari, anotuma uye mamwe marudzi zvikwereti.

Terms of Sberbank kweRussia

Kana musoja rinobatanidzwa nemari uye chikwereti gadziriro uye vakasarudza kutenga imba nechikwereti, ipapo anofanira tinyatsoziva zvinhu zviri mabhanga siyana, kusanganisira chokwadi chokuti Sberbank anopa. "Mortgage Military", zvinhu izvo zvinogona kugutsa mukwereti, tsika zvemari ichi akapiwa chete vechikamu NIS. Kubhengi rinoda yeGmail.END_STRONG kuzosimbisa chinangwa kushandiswa mari inopiwa vasiri chete kutenga imba sezvo rubatso, asiwo akapa rubatso kubva wake (a), rakapa zvairayirwa inishuwarenzi a. Kubhangi rine Real Estate chikwereti pa 10.5%, kufadza izwi kwokunyoreswa hakuiti pfuura makore 20. Zvinokosha kucherechedza kuti chimbadzo mukwereti achava kufarira chete chiitiko zvaakaberekwa adzingwa basa. Paaiva uwandu varwi inobhadharwa neHurumende chikwereti.

Chikwereti Preparation VTB bhangi 24

Pakati pavarwi kwakakurumbira kwete chete Sberbank. Vakawanda vanofarira uye mamiriro ezvinhu pasi iro rinowanikwa VTB 24 "Military Mortgage". Conditions vari tsika nemari zvishoma dzakasiyana zvaipiwa pachishandiswa Sberbank. Saka, shoma chimbadzo VTB 24 iri 9.4%, kwokutanga mubhadharo chingava pa 10% of zvachose Mari kutora dzokugara uye 25% kana anokwereta anotenga imba nyika.

Zvinodawo chevanorwara zvemari kuti inishuwarenzi chete ngozi yokurasikirwa kana kukuvara pfuma yakatengwa pasi chirongwa "Military Mortgage". Bank zvinhu zvisina kuitirwa kuti foreclose makomisheni pasi chikwereti uye yacho zvinogona, kana zvakakodzera, kuti atsive mberi purogiramu. Anokwereta guru siyana dzimba zvakakwana, nokuti vanogona kutenga mufurati kuvaka chitsva, pamusoro musika iyo yechipiri kana kutenga imba ine pachivanze.

Kuuraya magwaro

Nokuti chikwereti kuna NIS nhengo pokuita vanofanira kuzviisa kubhangi mapepa akadai: chikumbiro chimiro, pasipoti, gwaro achisimbisa kodzero yokugamuchira anokosha-chinangwa chikwereti kuti dzimba. Zvinyorwa izvi zviri zvakakwana kuitira kuti kubhangi aigona kusarudza kupa runodiwa mari. zvemari sangano maneja anozadza kunze yakakodzera kushanda chimiro uye ugozvitumira Zvokukurukura. Kana mubhengi hunotendera kuwana mbiri chirongwa "Military Mortgage", ayo magadzirirwo ezvinhu ndeinotevera: yacho nemhosva vanofanira kuunganidza zvinyorwa pamusoro watengwa chinhu. Saka, ndandanda zvakafanira mapepanhau zvinosanganisira zvinotevera:

1. Documents achisimbisa zvarinoroora ari mutengesi yokugara musha. Izvi zvinogona kuva chibvumirano waakazvitengesa, chipo, nhaka kunyoresa uye zvichingodaro.

2. tsamba, izvo zvinoratidza vakanyoresa zvarinoroora ari kutengeswa chinhu.

3. Technical mapepa: mapasipoti, cadastral nhamba.

4. References kuti anoratidza kusavapo zvikwereti pamusoro yepa Magetsi nemvura, vakabvarura.

5. Resolution muchitokisi kutengeswa kana mutengesi ari muduku.

Zvakakosha kuti zvose zvinyorwa zvave zvakanaka rakanyorwawo, kana gweta kubhengi vakabvumira kuti zvikunde ane chikwereti akadaro.

Early kugumiswa basa

Muupenyu pane mamiriro ezvinhu akasiyana, uye dzimwe nguva vanhu vanomanikidzwa kusiya kubva kuhondo. Dzimwe nguva vanoda ichi unomuka, uye vaya kare akatenga mufurati achibatsirwa "Military Mortgage" chirongwa. Terms severance Kana kukweretesa chero mari masangano, vakawanda vanotya. Most kutya pokugara, asi izvi hazviitiki, kana akakwereta anobvuma kubhadhara yasara chikwereti chavo.

The State inozviita kubhadhara chikwereti chacho chete vaya vanoshumira. Kana chibvumirano mauto rakanga rarambidzwa, mukwereti pachake anofanira kuzadzisa wazvipira zvose zvemari uye abhadhare nengaidzo kupiwa.