Zvinoita muRussia kutora chikwereti pasina pasi mubhadharo

Mortgage yokuRussia iri chokuita hwose muusungwa, chikonzero kuti mutengo mukuru pokugara zvichienzaniswa paavhareji mari, uye yakakwirira kufarira prices (10% uye pamusoro). Somugumisiro, muripo purogiramu avhareji mhuri ruchatambanudzirwa zvinenge kuti mudyandigere. Avhareji rokuti mortgages - makore 17. Panguva ino, anokwereta achiteerera vaviri-katatu mari mufurati.

Pasinei kwayo "yakakurisa" mwero mortgages munyika yedu uye kudiwa anoruramiswa. Dambudziko kuti "rendi kana kuti chikwereti cheimba" rinowanika zvinobatsira chikwereti nokuti mwedzi kubhadhara vanotumirwa kutenga dzimba dzavo, pane inonyangarika kupinda wakaiswa mari.

Kazhinji, anokwereta achiomerwa ane pasi muripo, asi kutoti kuishaya. Zvakadini kana wokutanga muripo kuti chikwereti hamuna vaunganidza, uye handichisiri akabvarura mufurati kuda? Hongu, uye sei kuponesa, kana mekamuri rendi "anodya" anoyevedza chikamu yacho!? Kutsvaga chikwereti pasina pasi mubhadharo kazhinji kunoita chete dambudziko dzimba anokwereta zhinji, asi anoita here? Ndezvipi peculiarities uye misungo ane chikwereti yakadaro?

Pfungwa inokosha - kutora chikwereti risina pasi muripo zvinogoneka chete yechipiri Real Estate musika, sezvo zvikwereti dzimba dziri chikuru nemauto Rinobatanidzwa dzakakwirira njodzi (double Sales, kuvakwa kwenguva refu, etc.). Kana iwe kuwedzera pangozi izvi uye ndingangokuvara default refu chikwereti wakabudiswa pasina pasi mubhadharo, bhengi racho ngozi vari rikakudzwa. Sezvingatarisirwa, dzakadai ezvinhu, mbiri sangano haisi akagadzirira uye hazvishandi.

Mortgages pamwe razero pasi muripo chete akakodzera vaya vane yakatsiga uye yakakwirira mubayiro, nokuti mwedzi kubhadhara achava mukuru. Age Zvinokoshawo: zvakafanira kuti chikwereti yakavharwa kusvikira mudyandigere makore mukwereti yayo guarantors.

Sezvo Zvakakodzera funga mabhanga, mortgages pasina pasi muripo - bhizimisi nengozi, saka chimbadzo achava kupfuura pamusoro chikwereti ane mberi.

Uyewo yeuka kuti kana waita rubatso dzimba zvinoda minamato ane appraiser uye inishuwarenzi yacho pfuma.

Pane vaviri zvokusarudza kuwana chikwereti pasina pasi mubhadharo. The kuita wekutanga - kuronga imwe mubhengi nevatengi chikwereti kuti pasi muripo uye chikwereti pacharo. The mari inofanira kubvumira vaviri kubhadhara chikwereti, naizvozvo, pfungwa iri rakakodzera nokuti anokwereta dzakakwirira rokutenga simba. Maererano zvinodiwa mabhanga ari chemhosva ane chikwereti haafaniri kuenda zvinopfuura 30% kuti mambure pamwedzi mari yacho anokwereta. Net mari - zvose rakanyorwawo mari (mubayiro, pensions, makomborero, etc.) zvishoma munataisireva (zvikwereti, gupuro).

The kuita chechipiri - kuti ape rubatso mumwe huripo dzimba. Saka zvinokosha kufunga kuti kubhangi achapa chikwereti kuti mari isingadariki 90% yacho nomutengo, nokudaro kuderedza ngozi kurasikirwa yaro kuwa muna pfuma mitengo. Vamwe mabhanga kunyange kupa somunhu pasi kubhadhara avete sandara pedyo vanhu (akadai vabereki) ari anokwereta. mirayiridzo iyi chikwereti anomukweretesa pamatunhu kudiwa, sezvo vabereki vanoedza kubatsira vavo akura vana, asi pre-mudyandigere uye mudyandigere zera haabvumiri kuti ape-refu chikwereti. Making wakanyengwa mufurati wechipiri, unofanira kunzwisisa kuti ari chiitiko delinquency pamusoro chikwereti iwe kuisa pasi njodzi pokugara zvavo vadiwa uye pachavo tinofirwa kukosheswa dzakaenzana mamita. Naizvozvo, zvakakosha kuti nekururama kuongorora nezvaanogona dzavo, kuti vave nechivimbo kwaniso yavo yekubhadhara, kwenguva refu Kuchengetedzwa uye kukura mari yako (muhoro).

Saka, kutora chikwereti pasina pasi mubhadharo anogona jaya akagwinya vanhu vane mukuru muhoro, zvakanaka chikwereti nhoroondo vanoda kutenga dzimba pamusoro musika dzisiri, uye Zvakanakisa - kuva akasununguka mvura chivako chaiko (kana bato wechitatu) nokuda yechipiri mogeji.