Uko hunobatsira kutora chikwereti kuna pamudyandigere? Yakanaka kurumbidzwa mukuru vagari vomuumambo Sberbank

Asati zvikunde chikwereti kuna anokwereta, chero chikwereti sangano achaongorora chinhanho wayo zvemari. Vagari vanenge zvasvika mudyandigere zera haagoni kunzi sezvo vakadaro. Zvisinei, nokuti nemabhengi.

Zvakadini kana achidisa mari? Ndeupi bhangi nani kutora chikwereti pamudyandigere? Chimbofunga zvishoma mari masangano kuti ape vanhu mudyandigere zera mari nechikwereti.

How kuti chikwereti vanhu vakwegura?

Retired, pasi application kubhengi kunzwisisa izvo boka nde- anokwereta. Kune zvitatu chete.

Chokutanga - kupfuura asingakwezvi panyaya boka anokwereta ose mabhanga, zvisina kwazvo ane mukana kuti ape akanaka zvikwereti kuti pensioners. Vagari vari muboka iri havana dzimwe Investments zvemari, kunze pensions. Uye hazvina kukwanisa kupa chero mhando pfuma (chinjwa kana usingazungunuke) anondibatsira. Uyewo, ivo havana rubatso vaigona kubatsira vari kubudiswa chikwereti. Kana mubhengi hunotendera issuance mari saka pensioners, mari iri kazhinji haapfuuri 30-50 zviuru rubles.

Kuti yakanaka chikwereti pensioners, nhengo yechipiri boka anofanira chero pfuma (chaiye kana pachavo) mhando, kuti ive rubatso. Panyaya iyi, mari kuti kubhangi anogona chikwereti inowedzerawo yekudyidzana. Kuti asimbise mudyandigere wakowo zvinoda gwaro kubva mudyandigere Fund uwandu pamwedzi kubhadhara.

Nhengo boka rechitatu, unogona kuverenga pamusoro kupfuura zvakanaka chikwereti kuti pamudyandigere. Zviri pamusoro kushanda pensioners, anokwereta vanoda kunyora zvakaoma dzavo. Chinodiwa: kugamuchira chikwereti anofanira kubhadharwa asati asvika makore 75 ekuberekwa.

Seiko mabhanga kuramba chikwereti vakwegura?

Chikonzero chikuru nei pemahombekombe havana kuda kuona anokwereta dzavo pensioners, zvinosuruvarisa upenyu anotarisirwa. Vakadzi Russian nayo zvichisiyana makore 72-75 uye varume - 57-62. Nemamwe mashoko, kuti Bank zvakarurama vanotya kuti chikwereti haangavi achidzorerwezve pamusoro nguva, uye pachinzvimbo mubereko achava kurasikirwa. Vashoma ekare vanhu mari rubatso pfuma zvinodhura kana kuunza rubatso dzinogutsa Bank ezvinhu.

Chii mabhanga kushanda pamudyandigere?

Chokwadi, hazvirevi kuti vanhu vakura vasina mukana wekutora bhanga chikwereti. Kune vanenge 200 masangano zvemari vanoda kupa zvikwereti kune pensioners. Zvinogonekawo kutora chikwereti ari chikwereti uye mutengi cooperatives (PDA), kana kuti zvitsva zvokukweretesa masangano (MFIs). Zvisinei, mune tsika mari yokupedzisira kufarira pagore angangova kuva huru uye anosvika 700%.

Funga mabhanga kuti ngaateme mari vanhu vakwegura pa musoro prices uyewo tione kana zvichibvira kutora yakanaka zvikwereti kuti pensioners muna mari Bank.

mari mubhengi

bhangi Izvi zvinogona kupa ramangwana pamudyandigere ayo anokwereta zvikuru akanaka chikwereti zvigadzirwa vane prices mubereko zvinosiyana. Kukwirira gore negore muripo kuti chikwereti kunobva nguva iro mari dzakundwa, uyewo kukosha anondibatsira. Documents kuti inodiwa kuzochera zvakanaka kurumbidzwa pamudyandigere, muri mureza. Inguva kadhi uye mudyandigere chitupa.

Kuronga chikwereti pamwe Sberbank, ari pamudyandigere anofanira kuva mukuru-kubhadhara chinzvimbo uye chinokosha koratararo zvinhu.

Rosselkhozbank

Kubhangi anopa zvikwereti kune mhando mbiri pensioners: basa uye kushanda. Kana anokwereta anokwanisa kupa rubatso, kuti chimbadzo achava akaenzana 15% chete annum. Pasina pfuma, zvakakodzera kuita rubatso, mwero inogona yakawedzera 10-12 points. Mari wakabudiswa kune pamudyandigere, achapiwa akaverenga kuti chimwe nechimwe nomumwe. Mune mamwe mamiriro ezvinhu, chikwereti anosvika 100 000 rubles.

Kubva magwaro, kunze mudyandigere kadhi uye pasipoti, kadhi, ungada kuva chibvumirano pakati inishuwarenzi pachake mukwereti. Uyu ndiwo mumwe mabhanga, apo zvikuru akanaka zvikwereti kuti pensioners.

Sovcombank

Kubhangi rinonyatsotarira basa pamwe anokwereta dzinotambura mari. Izvi zvinosanganisira vanachiremba uye bhora edzidzo. Sovcombank zvakare Paanoita nokushanda uye vasiri kushanda pensioners. Zvinodiwa chakaitwa magwaro, minimum: Russian pasipoti uye mudyandigere chitupa. kuti vimbiso No mhando haisi kuzvireva. Chitsama mari kuti kubhengi anogona kupa anokwereta, pamudyandigere, kubvira 30 000 kusvika 200 000, uye gore negore kufarira mari kusvika 26-30%. Kwokupedzisira chitsama kuti retiree achagamuchira pazvanza zvako, kunoenderana nokugona kwayo kuzadzisa ayo vaite mari.

Anokwereta vanogona kushandisa kubhengi haafaniri kuva zera kupfuura makore 84. Uye zvichida, sezvo kudikanwa pamasikiro chibvumirano inishuwarenzi wacho. Sovcombank ndeimwe yenzvimbo yakakodzera pamahombekombe, apo zviri nani kutora chikwereti kuna pamudyandigere.

PDA

Credit uye nevatengi cooperatives, kusiyana mabhanga, vanosarudza kushanda pensioners, kufunga kuti kuva zvikuru mutoro anokwereta. Retired zvikuru akanyatsofungwa yokusvika kusarudza chikwereti.

Chinenge PDA ose ane mudyandigere zano vakwegura, izvo dzimwe nguva zvakawanda zvinobatsira ezvinhu kupfuura zvavo vatengi. Zvaunoda chimbadzo uye kazhinji kudzika kupfuura vakashandisa anokwereta. Unogona kutora kusvika 10 000 rubles, pasina vimbiso. Asi kana anokwereta achida kuwedzera mari ichava zvaida mari yechibatiso. Sezvo guarantors anogona kuita pensioners kana nhengo anokwereta kumhuri. Iye pachake, ane chikwereti of CCP, anogona kuita somunhu rubatso.

A gwaro kubva mudyandigere Fund uwandu muripo haina kunodiwa kupa, achava kwakakwana kuratidza mudyandigere gwaro, kana mari asingadi kusapfuudza pachikumbaridzo 35 000-40 000.

Credit anopiwa vaifanira 2 makore asi mukwereti anogona prepay nayo. Haufaniri kubhadhara faindi.

retiree ose anofanira kubatana CCP uye kubhadhara yokupinda. Mune dzimwe cooperatives muripo ndiyo 50-100 rubles, uye mari iyi zvikuru inokwanisa wose. Kana apiwa kurapwa retiree ose vangatarisira zviite mushandirapamwe mamiriro.

Kuburikidza nezvirongwa zvakadai anomukweretesa zvikoro vanoratidza anokwereta dzavo pamudyandigere kuti mudyandigere hazvirevi kuti upenyu huri pamusoro. Uye kuti kuva kunyange chiduku mudyandigere, unogona kutenga chinhu chikuru kutenga.

Mumwe nemumwe anokwereta vakura vanofanira kusarudza pacharo, chii chinonyanya zvinobatsira chikwereti pensioners. Vanofanira kusarudza kuti sangano iri nani kero: kubhangi, PDAs nezvimwe zvikwereti masangano.