Where nani kutora mumwe chikwereti - mamiriro ezvinhu mabhanga mari

Haasi wose anogona kutenga imba nokukurumidza. Muchiitiko chino, ungashandisa chikwereti. bhangi neimwe inopa ayo mashoko uye mubereko prices pachake. Hurumende anotsigira chikwereti, uye pane zvirongwa chaiyo kuti zviite mari. Asi kuti uzive kupi kuti atore mumwe chikwereti, unofanira kuzivana naye vaitaura kuti mabhanga siyana.

izwi iri chikwereti nerimwe bhengi yakasiyana. Zvakakosha kuziva pakarepo, pamberi kunyoresa chesungano. Kazhinji kutora chikwereti kwemakore 10-20. Nokuti mumwe nomumwe anokwereta rinowanikwa rendi. Unogona kuita izvozvo kupfuura mari unokubvumira kuponesa mhindu.

yakanaka zvikwereti

ane chipo kutanga - imwe mhando chikwereti mabasa muna Russia. Pasina izvozvo, unogona kuronga chikwereti chete isati zvoupfumi makore 2008-2011. Zvino ichi mhando chikwereti hakusi inoshanda nokuda kwokushayiwa rakavimbika. Asi mabhanga kuti zvinopa mortgages pasina pasi muripo, dzakakurumbira chaizvo. Pashure pezvose, kwete mhuri yose vane mazakwatira kamwe.

Asi ikozvino unogona kusangana mari nemasangano ichipa mortgages vasina pasi muripo, asi bedzi chikamu achava yakati kurei. Dzimwe nguva kunodiwa kupa rubatso muchimiro aripo dzimba. Uyewo, pangava nezvimwe zvinhu.

Urongwa anondibatsira

The yakanaka nzira iri kutenga musha wechipiri, kana pane ane Real Estate zvimwe mhando. Muchiitiko chino, mabhengi zvinopa mortgages, asi kwete yose mari, uye 80%. Somuenzaniso, kana ari furati mutengo mamiriyoni 8 vachapiwa miriyoni 10 ..

Unogona kutora pfuma kuburikidza 2 Credits. Chete nzira inofanira kutorwa rimwe bhengi kwokutanga muripo. Chero zvazvingava, chirongwa nerimwe richava mazwi ayo. Sezvo rubatso kazhinji zvinoda vamwe Real Estate, motokari. bhangi ichi anofanira nechokwadi anokwereta, nokuti chero nezvikonzero, havakwanisi kubhadhara chikwereti.

mutengi chikwereti

Kana uchifarira mortgages, umo mari mubhengi zviri nani kutora? Zvinokurudzirwa kuonana yakasimba masangano Russian. Pane imwe nzira - kupa nevatengi chikwereti. Muchiitiko ichi haana inopiwa rubatso muchimiro redzimba. Banks vanokweretesa mari kuti 300-500 zviuru rubles, zvisina yakakwana kutenga mufurati, kunyange muguta duku. Asi zvakadaro chikwereti akakodzera kutenga zvivako mumusha.

Nhasi, kune yakawanda zvirongwa, asi inonyatsobudirira vanoonekwa maviri chete - "Family Young" uye maternity guru. Maererano naye zvinobatsira zvakabayirwa anokwereta kuti zviite mari.

The chirongwa "Young mhuri"

Where kuwana chikwereti kune vechiduku mhuri? Ko kutaura mabhanga anoshanda purogiramu inokosha "Family Young". Pairi kupa dzinopiwa kune anokwereta, asi vaviri vanofanira kuva makore vaduku pane 35. Mamiriro ezvinhu anosanganisira kurarama munzvimbo dzokugara kwemakore anopfuura 10. Asi kunyange chete mubasa chirongwa kuti bhadhara chikamu chemari kudiwa kubhadhara muripo weUS pamusoro chikwereti kubva kumativi 20% chepfuma ukoshi.

Yakanaka chikwereti mazwi pahwaro chirongwa "Young mhuri" inopiwa Sberbank. Overpayment pakati 11-12% chete annum, uye wokutanga muripo - 12% of uwandu. , Unofanira kugadzirira zvinotevera magwaro kuitawo chirongwa:

• vabereki 'mapasipoti;
• zvekuzvarwa kwevana;
• muchato kana kurambana;
• mashoko zvakaoma;
• mushoma paimba;
• Makopi nhoroondo;
• kunyora pamusoro kudzidza;
• chiito mamiriro zvashata dzimba;
• kunyora kushanda sezvo kusimbisa kuvapo kana kusavapo pfuma.

Izvi chete inokosha pasi magwaro, asi kubhangi kungada zvimwewo. pamutemo masangano mitemo All.

Zvinodiwa Kuti anokwereta

Mortgages muMoscow uye mamwe maguta Russian unoitwa chete anokwereta avo kusangana zvinotevera zvinodiwa:

• zera - anopfuura 23 makore uye pasi pemakore 65 okuberekwa;
• zvachose basa kuti vanopfuura 6 mwedzi;
• nyika iyo pekugara kuvaka chichaitwa, zvinofanira kuva zvinhu mukwereti.

Uyewo, pangava nedzimwe ezvinhu chikwereti. Zvinokurudzirwa kuti uiite guru, aivimbwa zvemari masangano. Pakati zvakanakisisa masangano anogona kuonekwa Sberbank uye VTB (Bank), mortgages mu iyo inopiwa pamusoro zvakanaka mashoko. Kana uchida chiduku chikwereti, zviri nani kushandisa kuti "Agricultural Bank".

Where nani kutora mumwe chikwereti kuiisa pasi pamwero yemakwikwi kufarira? Muchiitiko ichi zvinobvira kutenga padanda muna mufurati. Zvadaro kumanikana zera, ukuru, nzvimbo basa. Zvinokurudzirwa kusarudza guru bhengi. More zvisingabatsiri kutora chikwereti pa 13-15% pa annum. Asi masangano akawanda kupa chikwereti pa 23%, zvose zvinoenderana nemamiriro ezvinhu. Vamwe mabhanga vanoda rubatso kutungamirira. Vanogona kuva chizvarwa kana pafa munhu.

Chii rinokanganisa kubva muzana

Mortgages muMoscow uye mamwe maguta Russian anowanikwa mhindu. Chete sangano, zvinogona diki, uye mumwe - dzakakwirira. Vanofanira zvechokwadi teererai mashoko ari chibvumirano, sezvo zvinokanganisawo chimbadzo.

On chikwereti zvinobatsira sei zvadzinoda Somuenzaniso, inishuwarenzi. Maererano basa iri zvichawedzerwa kuti chikwereti rebei chitsama. Asi inishuwarenzi mukati memazuva 14 ane anokwereta anogona havadi, zvose zvinoenderana ake chido.

Nokuti Pakusarudza chikwereti muripo akashandisa Pagore Negore muchimiro muripo, nokuti iyo kunowedzera chimbadzo. Asi vazhinji vanotenda kuti ichi yokugara kwava matongo Zvakanyanya Kunaka Panguva Yepamuviri wemhuri bhajeti. The refu chikwereti, rezasi mwedzi kubhadhara.

Sei kutora chikwereti pamwero yakaderera

Where nani kutora mumwe chikwereti kushandisa yakaderera-kufarira? zvikwereti izvi inopiwa zvakasiyana mabhanga, zvinotevera zvinodiwa zvinofanira chete zvizadzikiswe:

• yakanaka chikwereti nhoroondo;
• yakatsiga uye yakakwirira basa rinobhadhara;
• kupa vazhinji magwaro;
• mukana kwokutanga mubhadharo.

The chikamu muzana rinowanikwa zvichienderana izwi iri chikwereti uye ukuru yokutanga yakavamba. Yakaderera kufarira rate rinowanika makuru mabhanga. Maduku Masangano kazhinji kutambura kusagadzikana, saka overpayments kuva guru.

mabhanga mazhinji kupa vatengi nomumwe mogeji mazwi. Kana nokusingaperi imomo wakabudiswa chikwereti munguva yemberi mamwe mamiriro ezvinhu akanaka. Akavimba vatengi mabhanga chete vanoda nyaya chikwereti pa musoro prices mhindu.

Top mabhanga Russian

Usati wasarudza apo kunotora fomu chikwereti, unofanira kuverenga mashoko mabhanga akawanda. Mumwe munhu ane pfungwa kubatsira inotsamira zvinhu zvakawanda. Vamwe vanoda nokukurumidza abhadhare chikwereti chacho, kwete kubhadhara yakawanda. Kunyange zvazvo vamwe vachabatsirwa chiduku rendi.

Mari Bank anopa chikwereti pa 14,5%, asi vanofanira kubhadhara kwokutanga kubhadhara 50%. Uchazoti kubhadhara chikwereti kwemakore 10. Kana musingadi kupa mari mashoko, mwero achisimuka 15%. Zvisinei, kana, kuti kubhadhara kwokutanga muripo weUS 30%, asi overpayment achava 15.5%.

Kufarira yakawedzera mumamiriro anotevera:

• kana chibvumirano haina akasaina mukati mwedzi pashure nokusimbisa chikwereti;
• kukundikana upenyu uye utano inishuwarenzi.

chirongwa "Young mhuri" unoshanda mari Bank. Initial mubhadharo ipfupi kusvika 10%, uye pakuzvarwa kuripwa Zvakasara chikwereti iri yakaturikwa kwemakore 3 years. Chemhosva of chikwereti, unogona kushandisa maternity guru.

VTB - kubhangi, chikwereti riri pa pachake nzira yayo kugadzwa muzana, izvo anotibvumira funga chikumbiro sezvo zvinogamuchirika. Overpayment ndiyo 15.25%. The chikamu muzana kunowedzera chete kana kukundikana utano uye upenyu inishuwarenzi yacho.

Mortgages inogona rakapa pana Alfa Bank. Pano, mutengi mari kwokutanga muripo weUS 50%, uye kana chikwereti inowaniswa kwemakore anosvika 10. Percentage achava 20%. Kana kuripwa 30% of nziyo rokutanga, chikwereti nguva chinoshanda makore 25. Overpayment pamusoro chikwereti kuchaita kwakafanana 21.1% pagore.

maternity guta

Kusvikira 2009, pakutanga muripo chingaitwe achishandisa mubereki guru. Kuti kushandisa mari kwete vaifanira kumirira vanopfuura 3 years kubva pakaberekwa mwana wake wechipiri.

Certificate kushandisa kuti kubhengi chionekeso. Capital hwakatamisirwa mudyandigere Fund mushure apiwa kunyoresa pfuma pamwe muridzi. Uyezve, unofanira kupa mashoko pamusoro chikumbiro, gwaro, rugwaro inishuwarenzi mudyandigere.

zvakanakira mogeji

Usati chikwereti vanofanira kudzidza pamusoro zvose zvayakanakira nezvayakaipira ane sarudzo. Izvi tichadzivisa nematambudziko mune ramangwana. Nyanzvi ziva zvinotevera kubatsirwa chikwereti:

• Real Estate rinova enzvimbo anokwereta, izvo zvinogona wana dzokugara ikoko, uyewo kunyoresa mhuri yako;
• zvinhu vakatanga kushanda 2016, umo anokwereta pane mukana mangwanani mutsividzo pasina Zvirango uye mubereko;
• ukuru Rental mubhadharo rakafanana puranga, asi uya anokwereta anova muridzi;
• Unogona kushandisa yemakwikwi chirongwa, pasocial chirongwa.

Maererano nenyanzvi, chikwereti kutenga imba iri zvoupfumi kunobatsira, sezvo mabhanga panguva ino zvinopa nemakasitoma nezvakanakisisa ezvinhu. In mortgages panewo payakaipira. Unofanira kuita kwokutanga kubhadhara - 10-20% uwandu. The chibvumirano iri akagumisa kwenguva yakareba, kuti mupfungwa mutoro mukwereti. Kana wasarudza zvakanaka chirongwa, chikwereti richava kunobatsira inivhesitimendi.