Mortgage kugadzirisa: mamiriro ezvinhu uye magwaro

Usati kutaura pamusoro kugadzirisa, zvinokosha kunzwisisa kuti chikwereti uye kuti anopa zvake. Zviri nyore, ichi bhengi chikwereti kutenga dzimba umo pfuma anoramba ari chikwereti pfuma, asi ndiyo kiyi chikwereti, kureva kuti, kana chikwereti asingadi mitoro ake, mukweretesi anogona kushandisa kodzero yavakatengesa rubatso wokugadzirisa kurasikirwa kwavo. Kudivi rimwe, zvinoita kuti tikwanise kuwana chikwereti kwedzimba, asi Ukuwo, tinofanira kunzwisisa kuti pane nyaya kutenga mufurati nenzira yakadaro unofanira kuramba solvent kwenguva refu. Mazuva ano chokwadi chiri zvakaoma kuramba ari solvency nokuda zvinokonzera zhinji: kurasikirwa mabasa, ezasi mubayiro, kana kurwara. Zvisinei, bhengi hazvina basa, nekuti chero chikonzero, chikwereti haagoni kuita runodiwa muripo. Sei kuti kuva, kana kwakanga simba majeure imwe mhando, uye izvozvo hazvingambofi kupa zvakafanana kuti? Pano anouya achitsigira basa yakadaro kuti, sezvo kugadzirisa chikwereti.

Chii?

Panguva iyoyo, muna tsika, kugadzirisa zvikwereti haana kugamuchira kuparadzirwa zvakakodzera. The ndechokuti yakadaro mhinduro kunobatsira chete mukwereti pamahombekombe kubatsira chete ndechokuti chikwereti Acharipa, asi kwete sezvaiitwa kare. The kugadzirisa - kuchinja zvikwereti ezvinhu, pashure izvo anokwereta anogamuchira mamwe mamiriro ezvinhu akanaka disbursement. nzira iyi hazvideredzi kukura muripo achapedzisira uye zvechokwadi hakurevi uderedze anokwereta chikwereti chake, anofanira kubhadhara chikwereti uye, asi zvakawanda zvakanaka mashoko.

Changes mushure kugadzirisa angava akasiyana, Somuenzaniso, unogona kushandura murayiro mutsividzo kana rendi. Dzimwe nguva, mabhengi dzinopa mukana yapfuura muripo chete mubereko kuti kushandisa mari-bhangi kupfungwa zvemari, kubhadhara chikuru iyi vambomira kwemwedzi mishoma.

Chii chinofanira kuitwa kuti vabudirire kugadzirisa?

Kugadzirisa kutambudzika chikwereti - hakusi nyore. Asi kana ukaisa zvakakwana simba nguva, unogona kuvandudza zvinhu zviri kuripwa zvikwereti zvayo kubhengi.

mogeji kugadzirisa mazwi

Chekutanga unofanira kuratidza kuti chikwereti uye sangano zvemari, vane mabasa iwe kushandisa, chii here kubatsirwa. Kuti aite izvi, unofanira kuisa pamwe pasuru magwaro kuti asimbise ako mamiriro ezvemari akaoma. Zvakanaka kwete kunonoka chikumbiro rubatsiro, kana, kana totaura kunonoka, zvichataurirana inokanganisa pamahombekombe chisarudzo kuti kugadzirisa mogeji wako. Kana ukama hwako chevanorwara zvemari yapfuura akaenda zvakanaka, uye kutsigira kwako mapepa waguta, unogona kuverenga zvakawanda zvakanaka ezvinhu dzemaitirwe. Asi pane zviitiko apo mubhengi hakuzofadzi kundosangana nemhosva, muchiitiko ichi, pane imwe nzira - kutsvaga mamwe chikwereti uye nemasangano zvemari kuti kubvumirana kuti yako chikwereti refinancing rikurumidze.

Documents kuti ndaitora

Chimbofunga mutemo magwaro kuti anokumbira chinhu bhengi magadzirirwe kugadzirisa. Saka, unosanganisira:

• The yepakutanga kana kopi basa chinyorwa, vanopupurirwa nokuda mushandirwi.

• Information pamusoro mari kubva wokupedzisira basa iri gore rapera.

• Kana pane chimwezve mari, uye unofanira kupa ruzivo pamusoro pavo.

• About nourongwa kugadzirisa.

• Pasipoti.

• Zvinyorwa kuvapo chikwereti zvimwe zvikwereti, uyewo zvinyorwa achisimbisa kare kuzadziswa mitoro.

• The chikwereti chibvumirano, akagumisa pakati mukwereti uye kubhengi kupfungwa zvemari, akapa mumwe mogeji chikwereti.

• A kopi chikwereti, izvo vanopupurirwa nesangano kuti mutemo chikwereti.

Kana, ari pakuraramisa magwaro anotevera:

• A kopi muchato.

• Documents pamusoro dzidzo apiwa.

• Achiratidza murombo ezvinhu utano, kana kugadzirisa zvaidiwa chikonzero ichi.

• Military ID kana kunyoresa gwaro.

• Documents achisimbisa kuvapo chaiko kana munhu pfuma anazvo.

Kana kushandisa zvivako sangano mabasa, zvinokosha kuunganidza zvinyorwa kwavari:

• Documents wakateya zvarinoroora chepfuma.

• The chibvumirano rweinishuwarenzi zita pfuma.

• Documents co-anokwereta, kana ani.

siyana kugadzirisa

Kugadzirisa anogona kuitwa nenzira dzakasiyana-siyana:

• Urongwa chikwereti zororo - Panguva iyi mutengi achava kodzero kubhadhara chikwereti muviri, uye mari chete mubereko accruing. Nguva iyo akapa kodzero yakadaro - mishoma, akatsunga nomumwe. Zvakaipira kushandisa nzira iyi refinancing - ndichisveerera muripo mazwi.

• The kugadzirisa chikwereti kubudikidza refinancing - imwe yenzira nokuda nemhosva. Kana kuishandisa, chikwereti anotora chikwereti kubva rimwe bhengi kuti huwandu chikwereti rokutanga uye anotsiva mari mortgages. The kubatsira iri chokwadi kuti vakawanda ezvinhu rechipiri Bank kunopfuura kana iwe mari ane yaizivikanwa nzira, nokudaro kuhwinha mari yacho payer zvakanaka.

• Kuwedzera chikwereti munguva - ne nzira iyi kugadzirisa kuti chikwereti chikwereti ndiko kutambanudza shoko rokuti kudzoka mari, nokudaro achidzikisa chitsama rendi.

• Kuripwa mberi nguva - zvose zviri nyore, kuti chikwereti anodzoka chete kunoreva kuti akatora kufarira kushandiswa vakakwereta mari, saka inogona kuva pfungwa kuponesa mari.

• Kukanzura fines uye Zvirango pakuparwa kunonoka vachibhadhara. kugadzirisa Iri chikwereti runobvira chete kana nemhosva nguva kubhadhara kubhengi uye zvinopa uchapupu hwakakwana panowanikwa makadzivisa mamiriro ezvemari.

• Change chikwereti mari - mukana yakapiwa vamwe mabhanga, kana paiva kusvetuka iri Gengi.

• Kune mamiriro-kugadzirisa mogeji. Zviri nyore, ichi mamiriro chinobatsira chemhosva pamusoro chikwereti. Mutemo uri chikwereti kugadzirisa kunoratidza kuti kubatsira mitero kuti kubhadhara chikwereti pa 25-70%. Zvose zvinoenderana chitsama chikwereti yasara.

"Credit Home Bank"

In sangano zvemari ichi ane basa rinokosha - chikwereti vapore, unogona kurishandisa kunyange kana uchitova nonoka pamwe vachibhadhara. Kushanda kugadzirisa wose anogona rehabilitated pamahombekombe wacho Website chaipo. In chikumbiro, kuwedzera pachavo data, uye kunoratidza kurapwa ndicho chikonzero nei pasina nzira kubhadhara mwedzi kubhadhara zvizere pamusoro tsaru mazwi. Rinorondedzerawo nezvechisarudzo kuti kugadzirisa.

mari mubhengi

bhangi ichi anopa 2 zvokusarudza, izvo zvinogona kutora mukana mumwe mutengi, abatwa ezvinhu akaoma zvemari: kuchinja anomukweretesa mashoko uye zvikwereti zororo. The nzira rinoitwa chete pamusoro kupa uchapupu nedambudziko.

VTB

The kugadzirisa chikwereti VTB Zvinogonekawo. The Bank inopa yakadaro pabasa, asi vose ezvinhu anofanira kukurukurwa navo pachavo pamberi chikwereti uye mumwe nomumwe nechimwe. Nokuti kupa basa vanofanira kutaura davi pamahombekombe ane chikumbiro kuti chikwereti chikwereti kugadzirisa.

OTP Bank

Basa harisi chete mortgages asiwo nokuda kwezvikwereti motokari uye zvikwereti mari. Pano, sezvo iri mari Bank, kupa mukana kugadzirisa nokuwedzera shoko rokuti muripo kana kunonoka muripo. Shandisa nokuti urongwa zvakanakira kunodikanwa chete bhengi umo iwe akatora chikwereti.

Rangarirai, kwete masangano ose anoratidza kugadzirisa sezvo pamutemo basa, asi zvichiri zvinobvira. Chero zvazvingava, kana une zvinetso pamwe vachibhadhara, onana kubhangi kuti iwe vakashumira kubudiswa chikwereti. Kazhinji, vakavimbika vatengi vavo, saka iwe nguva dzose kusarudza kana nezvinetso rubatsiro. Unofanira kupa kwemashoko akazara pamusoro dambudziko kuti ukasangana, uye edza kuunganidza zvose zvinyorwa kuti The zvikunde kuti kugadzirisa.