Mortgage inishuwarenzi: wongororo. Mortgage inishuwarenzi

inishuwarenzi Mortgage kunokosha kana kutenga zvivako nechikwereti. Kana achibudisa chikwereti anokwereta nemabhangi akaisa chinodiwa - kutenga chikwereti inishuwarenzi itsika.

Federal Law "On Mortgage (chikwereti)" kunoda fanira inishuwarenzi pfuma kubva kukuvara uye pakuparadzwa. Kana chikwereti, mabhanga akawanda vari pakuti inishuwarenzi mamwe kana nzwisisika kuti kuderedza ngozi dzavo.

Sei ndichida inishuwarenzi?

Mortgage - chikwereti nokuti kunonyanyisa izwi pasi shoma ndivo. Naizvozvo, mabhengi vanoda yekuzvidzivirira zvikwereti dzakaipa uye kupa chikwereti inishuwarenzi nzwisisika. Chinhu pamusoro inishuwarenzi pfuma ndiyo kiyi, kuti sandarara. Asi nokuti azere kudzivirirwa mabhanga vanosarudza vatengi inishuwarenzi hwavo uye utano, uyewo pangozi nokurasikirwa kodzero.

Nokuti makasitoma avo takarasha okuwedzera policies kazhinji zvinopa yepamusoro mubereko prices. Asi zvikuru anokwereta zvose pachavo kunzwisisa kuti muupenyu chinhu chingaitika, uye nokuzvidira kupinda mamwe zvibvumirano upenyu inishuwarenzi uye utano.

Kana zita inishuwarenzi, hazvina chete anoshanda pokugara, akatenga pamusoro musika iyo yechipiri, asi kuti zvivako zvitsva. In tsika pane dzimwewo nyaya matambudziko wambotaurwa varidzi Apartments, uye kaviri rokutengesa vane Apartments kuti ivakwe. In kwakadai muridzi inishuwarenzi kwandaive inoda chete 3 years okutanga, pamberi expiry kuti munhu kukamurwa nguva kuti akaoma Real Estate kwema.

Chaizvo kuti inishuwarenzi mogeji

inishuwarenzi chikwereti chikwereti ane dzimwe zvinhu. The chibvumirano ne kambani inishuwarenzi iri nyasha chikwereti, kureva munhu anoyamurika, uyo vachagamuchira inishuwarenzi indemnity, iri pamahombekombe, kwete mukwereti. Naizvozvo, Verengai insured, kazhinji anoenderana kukura chikwereti.

Huwandu chikwereti ari zvishoma ipfupi, uye somugumisiro kuderedzwa mari mutemo. Munguva inishuwarenzi nyaya kubhangi anogamuchira muripo mu chitsama akapa chikwereti uye muridzi pfuma anorasikirwa mari inenge yashandiswa voga, kusanganisira kutanga muripo. Kuti izvi zvisaitike, unogona kugadzira chibvumirano pakati inishuwarenzi kuti uzere kukosha mufurati. Ipapo muridzi wayo achava munhu anoyamurika kwavo chikamu Verengai insured.

ezvinhu akadaro inopihwa nemakambani mazhinji, kusanganisira "VTB Insurance". inishuwarenzi Mortgage kungava dziviriro vose kubhengi uye anokwereta.

chikwereti makomborero

Chekutanga chikwereti inishuwarenzi zvose anodzivirira kubhangi pamusoro nokurasikirwa angamuka nokuda anokwereta wacho default. It inoita basa rinokosha ezvinhu apo yavakatengesa rubatso hazvibviri kana asingadi kufukidza zvizere chitsama chikwereti.

Nokuda kuvapo chikwereti inishuwarenzi iyo inova kuwanikwa vanhu vakawanda panguva shoma ndivo.

pfuma inishuwarenzi

Mortgage inishuwarenzi pakutanga kunoreva kudzivirira anondibatsira. The chinhu inishuwarenzi munyika iyi kungaita kuti zvakagadzirwa zvinhu uye zvokunyaradza muimba.

Chimwe chikuru Vatambi pamusika uyu "Rosgosstrakh". Mortgage inishuwarenzi iri kambani unosanganisira navanopinda mazita zvichibvira inishuwarenzi anoti. Kazhinji ndiwo moto, kuputika, mafashamo, mheni, njodzi dzinongoitika dzoga, zvisiri pamutemo zviito kumapati rechitatu, magadzirirwo zvikanganiso uye zvichingodaro.

inishuwarenzi youpenyu

Vamwe mabhanga chandagwinyira upenyu inishuwarenzi uye hutano anokwereta. inishuwarenzi ichi anofukidza zvinotevera nengozi:

• pfupi kurasikirwa insured urema;
• urema zvachose uye kugadzwa urema;
• rufu.

Pakuita Gwaro angada kuongorora zvokurapa. Kana ichi kuonekwa kutyisidzira kuupenyu uye hutano nemhosva, mutengo inishuwarenzi inogona ngazviwedzerwe.

rokuremekedza inishuwarenzi

Izvi mhando inishuwarenzi pamusoro pangozi nokurasikirwa kodzero sorutivi purogiramu inishuwarenzi nzwisisika. Anokwereta insures ngozi yokurasikirwa kodzero, kana kunoshorwa kupati wechitatu. Under ano ezvinhu, basa iri rinoshanda zvikuru uye kunogona kubatsira kudzivirira pamusoro kubiridzirwa kubudikidza mutengesi pfuma. Mune zvimwe zviitiko, tarisa pamutemo kuchena musha chakaoma.

Mutengo uye mamiriro

insurers zhinji takura inishuwarenzi mogeji. Reviews dzinoratidza kuti kwokupedzisira mutengo achizosiyana zvichienderana kambani. Hazvina zvakafanira kupinda chibvumirano ne mutongo inishuwarenzi wokutanga, zviri nani kuti kudzidza pamusoro ezvinhu uye mutengo mahofisi anopfuura zvishoma. Kubhengi anopa akakwereta ndandanda aivimbwa insurers, izvo zvinosanganisira guru musika vatambi Somuenzaniso, "VTB Insurance".

inishuwarenzi Mortgage rinoitwa pasi rose ya chikwereti kondirakiti. Verengai insured wakaisirwa akaenzana Verengai chikwereti, yakawedzera 10% yakawanda. Akumbirwa mukwereti zvomumwe inogona insured nokuda zvizere mutengo.

Gore negore, unofanira kubhadhara inishuwarenzi. saizi yavo kuderera sezvo chikwereti nokuripira. Uyewo, kukosha shoma kunobva insured mari, mutengo ndiwo makore insured, mhando mbiri chibvumirano uye akawana pfuma, nhamba anokwereta.

Mari inishuwarenzi mutemo akatsunga nomumwe zvichienderana zvinhu zvataurwa pamusoro apa. Nokuti anokwereta inishuwarenzi chikwereti achaita mari vanenge 1.5-2% of Verengai insured. Ndiwo mutengo inishuwarenzi nzwisisika, kufukidza anenge ose zvichibvira nengozi.

chibvumirano The inishuwarenzi inogona rakapa zuva mushure kuzviisa pasi magwaro uye mafomu.

Zviito ari inishuwarenzi nyaya

Kana insured chiitiko, basa rokutanga anokwereta - kuzivisa kambani yacho inishuwarenzi uye kubhengi. Nokudaro inishuwarenzi mashandiro ari atanga. Sezvo munhu anoyamurika, kureva kuti, vaya vachawana mari ndiyo anomukweretesa pamahombekombe, ipapo mibvunzo yose vachaparadzwa kugadziriswa panguva zvemari tsika revarombo. Zvisinei, anokwereta tinofanira kufarira kufambira mberi kwacho.

anokwereta Vazhinji vanotya kuti mari inobhadharwa kambani yacho inishuwarenzi, kwete zvakakwana kufukidza chikwereti zvizere. Banking uye Insurance nyanzvi dzinoti panowanikwa ezvinhu akadaro hazvibviri. Nengano resumption pamusoro inishuwarenzi chibvumirano uchabvumirana pamusoro chitsama chikwereti kuti yose Nehunde waibatanidzwa mutemo.

Ndinogona vasarudze kubva inishuwarenzi

Mortgage inishuwarenzi - chinodiwa, zviri zvikuru musoro. Zvisinei, anokwereta zhinji vanowanzopedzisira kuchengetedza mari uye torega chibvumirano inishuwarenzi. Kana kutanga kukundikana vanotyisidzira kuwedzera chimbadzo pamusoro chikwereti, asi kuramba kubhadhara inotevera inishuwarenzi shoma kunogona kuva nemigumisiro yakaipa.

Banks anoratidza mukana pakarepo kukundikana inishuwarenzi iri chikwereti chibvumirano. Nokuti zviitiko izvozvo, inopa mukana zvirango, uye rakanaka oma. Kubhangi vangangoti zvinoda munhu-nguva kudzoka muzvikwereti zvose yasara.

Kana kutsvakwa, mukwereti angachinja kambani inishuwarenzi. A musarudzo itsva inofanira akabvumirana kubhengi. Anomukweretesa Masangano Usabatsirana makambani ose inishuwarenzi, uye chete chikuru. Naizvozvo, kuti insurer itsva zvinofanira kuverengerwa pamusoro vanotenderwa pasi.

Vose Bank uye anokwereta hakudi kudzivirirwa kukurumidzirwa. Rinogona inishuwarenzi mogeji. Reviews anokwereta zvinoratidza kuti kusarudza insurer haidereri kukosha kupfuura kusarudza Bank uye zvikwereti ezvinhu.