Ndezvipi zviri nani - chikwereti kana chikwereti kutenga musha?

Purchase oga ugaro yagara iri nyaya inokosha mhuri duku dzakawanda. Munyika European, mubvunzo chiri nani: chikwereti kana chikwereti, hazvina kukodzera kuti vagari vemo. Chikonzero ndechokuti mabhanga dzokuMadokero zvandakagadza musiyano yakawandisa pakati kwemarudzi aya zvikwereti. MuRussia, nekusiyana, pakakoromoka haisi kudaro kuchioneka. Saka tinofanira kutora? Mortgage kana mutengi chikwereti? Ndezvipi zviri nani? Moscow, uye mamwe maguta akawanda Russian anozvikudza chakadaro kufarira prices:

13-14% - chikwereti;

17-20% - nevatengi kwezvikwereti.

Sezvaunogona kuona, musiyano haasi mukuru musimboti. Saka, mubvunzo chii nani: chikwereti kana chikwereti, ari kuwedzera kukurumbira. Ngatitsigirewo kufungisisa nezvenyaya iyi, ngationei kusiyana zvakanakira nekuipira kwemarudzi aya zvikwereti.

Mortgage: ichi ndiwo

Tisati tataura pamusoro worudzii chikwereti mhando nani kutora: chikwereti kana chikwereti, ngationei delineate pachavo izvi pfungwa.

By rokuti "chikwereti" rinoreva chikwereti mari ndakupa mari urongwa kuti kutenga dzimba. Panguva iyoyo vari chibvumirano kuti chikwereti anomukweretesa rworudyi zvaitaurwa ndechokuti pakuunganidza imba pakarepo anova rubatso. Izvi zvinoreva kuti watengwa mupanda haazorambi pamutemo ndezvedu chero bedzi imi regai uripe zvikwereti zvako. Muridzi pfuma achava mubhengi. Saka mhinduro yomubvunzo wokuti. zviri nani kutora - ". musha kubva kubhengi" munhu chikwereti kana chikwereti, kuda pamwero mukuru pakuti uchida pakarepo kuva muridzi mufurati kana vakagadzirira kurarama kwemakore anouya

Sei munhu Mutengi zvikwereti

Consumer chikwereti pakukura kubhengi anokwanisa kuti ape, vakawanda havasi kufarira kupi mari richaperera. Uyezve, imba akawana kana furati pakarepo inova pfuma yako uye unogona kuita navo zvose zvaunoda. Zvinenge nguva dzose kuwana chikwereti yakadaro, unofanira kuuya mumwe kana kupfuura guarantors. Uyewo vanofanira kupa mari yechibatiso, richafanana mari yaidikanwa. Kunakisa hazvisi ndechokuti haafaniri kuita ari dzimba sezvo rubatso. Izvi zvinogona kuva chinodhura motokari, chikepe, chengarava, kuchengetedzeka uye zvakawanda. The chete ezvinhu ndechokuti kukosha chikwereti. Zvinofanira kuenderana kukura chikwereti.

Zvinodiwa Kuti masangano rwezvemabhengi

On zvakanakira nekuipira kwemarudzi idzi achiposa, tichataura akaderera zvishoma, uye ikozvino kukurukura kusiyana zvinodiwa Banks pose. Shanduko nguva uye kukosha pasuru magwaro vangabatsirawo simba nharo panyaya iri nani - chikwereti kana mogeji.

At kunyoresa kunodiwa. zvikwereti mari nemasangano anofarira chete anokwereta. Kazhinji tarisa vanofanira kupa uchapupu mari, uye kuti ave nechokwadi Kuwanikwa zvinobudirira rubatso.

Panguva Kunyoresa chikwereti kubhengi macheki uye mberi "kuchena" ari mufurati. Kudivi rimwe, zvinotora zvakawanda nguva, asi ari mumwe - unogona kuva nechokwadi chokuti mune ramangwana hapana achakwanisa kupikisa kutengeserana. Kubhangi nyore haazobvumiri kwakadaro. Kana mari masangano achamuka zvishoma mubvunzo pachena pamusoro kutengeserana, iwe chete regai kuronga zvikwereti.

In pamberi magwaro anodiwa uye yakanaka zvikwereti nhoroondo imwe Mutengi chikwereti inogona kugadzirwa pazuva. A Chisarudzo pakuwana munhu chikwereti anogona kunonoka nokuda kwemazuva 5-7. Uye pasuru ndiye "chikwereti" Gwaro tichiedzwa mukuru.

chimbadzo

Saka, chikwereti kana chikwereti imba? Ndezvipi zviri nani? Nokuti kunyatsoenderana mhinduro yomubvunzo uyu kutsanangura nyaya overpayment.

Sezvatinoziva, bhengi mapurogiramu chikwereti anomukweretesa vari dzakabudirira uye akaramba akavandudzika. Nhasi, ari chikamu ichi mhando chikwereti anoda kubva 10.5 kusvika 15% chete annum. Uye kana chikwereti chinobviswa mu currency, uye kunyange ezasi.

Asi zvirongwa nevatengi havasi kure shure. Kana musingadi kufunga fabulously dzinodhura anotaura zvikwereti, mutengi anomukweretesa prices Kashoma pfuura 20-21%. Zvaizoratidza sokuti izvi zvakawanda mortgages. Asi zviri sei iwe kutarisa.

To zvinobudirira enzanisa kuteerera kwete chete pane nhamba bheji, asiwo chairo overpayment. Sezvo chikwereti - kwenguva refu chikwereti, asi overpayment yose nguva kunogona kuva kusvika 150, dzimwe nguva 200% kubva kwokutanga mutengo. Consumer chikwereti haawanzopiwi makore anopfuura 7-8. Munguva iyi uve nguva kubhadhara shoma isingadariki 50% of mutengo pokugara. Saka mari uchida mari shoma somugumisiro, aigona kuva mumwe simba nharo panyaya chii nani: a Mutengi zvikwereti kana mogeji.

We ngaaverenge okuwedzera mari

Household anomukweretesa kashoma achiperekedzwa okuwedzera mirango. Mune imwe nyaya zvakanyanyisa vavo chete anogona waived.

Kana asina kukwanisa kudzivisa mamwe kubhadhara kuti chikwereti. mari kwakadaro Somuenzaniso, zvinosanganisira rokumanikidzirwa inishuwarenzi pfuma. Uyezve, tsika zvemari kungada kuti inishuwarenzi kwete kutenga kwedzimba, asiwo upenyu uye utano, uye kuti vanoomerera pane zita inishuwarenzi kodzero. izvi zvose anowedzera zvikuru mari mukwereti.

Pane imwe kukosha chokwadi. No mubhengi vachakupai mumwe chikwereti pasina yakazvimirira iwe pfuma. Hatigoni kutaura kuti tiite kupima uku anokwereta kunge mari yazvo. Kuita zvimwe zvokubvunza uye Permissions uyewo chinogona kubhadharwa.

Zvayakanakira nezvayakaipira ose mogeji

Saka chii chikwereti kana mogeji nani? Ngatifungei.

Kufanana mimwe mhando achiposa chikwereti zvikwereti vane zvose zvakanaka nezvakaipa unhu. Pakati yakanakisisa mativi vangazivikanwa sezvinotevera:

• Yakadereresa mubereko prices. Izvi zvinogoneka nokuti ngozi default hazvisi yakaderera chaizvo. Chokutanga, bhengi vanyatsohuongorora kuongorora uye anokwereta uye vawana pfuma. Chechipiri, kana chinhu anoenda zvakaipa, mukamuri iri kungogara mubhangi wacho uridzi. Uye kwazvo mvura rubatso.
• Mune zvimwe zviitiko zvinobvira kuti ape ngaakubvumirei kana kuwana dhisikaundi kubva mamiriro. Ipapo chimbadzo kuti mutengi kuti ruchawira 6-8%.
• Yakareba anomukweretesa pavanoparidza shoma chimbadzo achitungamirira vaifanira rendi inokwanisika.

Zvisinei, pane, panewo kunaka pfungwa. Somuenzaniso, akadai:

• Kudiwa kuita mupiro kanenge 10% of mari kutenga chinhu kutanga. Zvinokoshawo kuunganidza.
• Just dzinodya dzimwe dzinosiya overpayment. Nokuti mari iwe mari pamagumo, unogona kutenga vaviri, uye dzimwe nguva nhatu nemafurati.
• Rinokosha okuwedzera mari, usingagoni kudziviswa.
• zvikwereti Mortgage haagoni kuva duku. Kugamuchira mari isingasviki hafu yemiriyoni rubles rakanyatsojeka zvakaoma. Izvi imhaka ndechokuti panhongonya yacho kupfungwa zvemari, muchiitiko ichi dzakakwirira zvikuru.
• Kurambidzwa pfuma kodzero kusvikira zvizere mutsividzo yacho chikwereti. Unogona kugara ari kutenga dzimba. Asi pano tora mufurati nokuda rendi, kutengesa, kuchinjanisa, kupa kana kuti chero mamwe zviito pamutemo hazvishandi. Uyewo, hwaizodai kuita uye apiwa kuronga. Izvi zvinoda rakanyorwa mvumo kubhengi.
• Prepay munhu chikwereti chikwereti pasina mutongo dzimwe nguva zvakaoma.

Zvakanakira nekuipira nevatengi chikwereti

Kunyange zvakadaro iwe unofunga kuti zvakanakisisa kwamuri Mortgage? Credit kuti mufurati anewo yayo zvakwakanakira:

• mafomu ose akaongororwa nokukurumidza sezvinobvira uye mari unokwanisa kuwana masikati.
• For anokwereta vaipa ndoda inoomesera zvinodiwa.
• At kunyoresa nevatengi unofanira kugadzirira boka duku zvikuru magwaro.
• Unogona kuwana chero mari. Kana huyo kana rezasi muganhu, pfungwa, hakungoitwi.
• Hapana chikonzero neImba mumatanda. Unogona kutenga mufurati, asina mari kunyange kwenguva pasi kubhadhara.
• Vamwe mabhanga anogona kuunza mari pasina anondibatsira. Zvakakwana kuva akanaka solvent rubatso.
• Kana nounyanzvi aswedere rakasanangurwa pakati chikwereti pasuru, kuti overpayment kunogona chaizvo duku.
• Anokwereta pakarepo inova muridzi pfuma uye anogona Somuenzaniso, kuti kubvarura. Izvi zvinogona yekudyidzana rikurumidze kuripwa chikwereti.

Nezvayakaipira kuti mutengi chikwereti:

• Tichienzanisa chikwereti chimbadzo kunogona kuva mukuru zvikuru.
• Pangava kuomerwa kuzosimbisa anokwereta kubhadhara. Vamwe mabhanga regai funga mukana kukwezva co-anokwereta kuwedzera kunonyanyisa chikwereti uwandu.

To muchidimbu

Kana ukanyatsoongorora kuongorora apa, zvinogona kucherechedzwa kuti, kazhinji, kuti vaite hope oga musha ichiri nani kushandisa chikwereti. Zvisinei, kana akawanda mari watova uye danho chinoshayikwa kanenge hafu yemiriyoni, kuti potrebssuda - ndiwo chete zvaunoda. Kunyanya kana uchida kuzowana mamwe mari, uye pokugara zvinofanira kutengwa kare ikozvino uye kumirira hapana nzira. Uyezve, kana une mari yakanaka, asi haagoni ngaadarowo pamutemo, chikwereti iwe chete hauzobudisi.