Api mortgages ariko, uye chii nani kutora

Zvachose munhu wose anoda pokugara. Asi kwete vose vanogona kutenga nayo pakarepo, pasina kumutsa kwezvikwereti. Naizvozvo zvakafanira kuti kutora zvikwereti. Chokwadi, kusarudza hakusi zvakanakisisa, asi nevakawanda zvikuru. Asi munhu asina avhenekerwe nyaya munhu wokutanga anobvunza, uye chii vari mhando chikwereti pfungwa? Uye, nokuti nyaya iri kuhupenyu, zvakakodzera kuudza nezvazvo zvishoma zvizere.

The inonyanya Version

Kuvabvunzeiko chii mhando mortgages zviri musimboti, zvinokosha kutanga pfungwa zvose kucherechedza pamusoro anokweretesa pamusika dzisiri. Nekuti ichi - zvikuru nevakawanda kuzvipedza. The musimboti iri nyore. Murume anofanira kuwana mufurati kuti vamwe vanhu vanotengesa, uye tongai chibvumirano pamusoro mogeji anomukweretesa. Pashure paizvozvo, iye anowana imba mari kubhangi, iyo zvino inobhadhara navo.

Pane dzimwe dzose. First unofanira kuwana kupfuura yakakodzera ezvinhu kubhengi. The zvakanakisisa panyaya iyi ndivo avo kuti mamiriro. Vane chikwereti chikwereti hurongwa aishanda kuna zvidukuduku.

Pashure munhu kusarudza zvinobetsera chikwereti kupa, uye tsvaka mari iye anogona kupa, unokwanisa kutanga kutsvaga pekugara. Asi usati muchachera kumusoro chibvumirano, uchava kubhadhara kubhengi kubhadhara uye inishuwarenzi.

pamusoro ezvinhu

Kutaura mhando mortgages, tisingatauri nezvemamwe uye ipapo, nokuti kutenga rechipiri misha iri zvinogona kupa.

Saka, mukamuri rirege riri mumba kuti kuparadzwa, kana kugadziriswa uye kugadzirisa. Zviri chinodiwa kuti zvakanga zvakanaka. Pashure pezvose, kuti mumwe chikwereti makore 30, uye kubhengi vanosungirwa nechokwadi - kana munhu haagoni kubhadhara chikwereti, asi kurasikirwa achakwanisa kuripa nokutengesa dzimba.

More furati inofanira mupenyu. Kureva kuti kuva zvisingatomboiti imba, asi kwete hotera kana kubata matunhu neminisiparati zvakaoma. Uye iye anofanira kuva mwero marongerwo, rinobatana zano BTI. Zviya, mabhengi Kashoma kupa chikwereti kuti kutenga Apartments, riri pasi kana kutanga uriri. Uye "Khrushchev".

Anokwereta unodiwawo kusangana zvimwe zvinhu. Anofanira kuva mugari solvent pamwe vanenge chiitiko pagore. Uye zviri nani kurega mbiri kana muhoro yakaderera, nekuti umwe mwedzi uchava kupa kusvika 45% kuti muhoro wake.

Nokururama kukwikwidza

The list, iyo rinodonongodza mhando mortgages, zvakananga ichi ndicho chechipiri. Rine yayo zvikonzero. Mortgage Nokutendeka kutaurawo - kwakanyorwa, Chokwadi, chikwereti kutenga dzimba muimba yakanga ichangovakwa. Uye, nokuti kuti chivako haasati ishande, mitengo zvakadaro dzokugara kubudikidza 20-30% isingadhuri kupfuura dzose.

The musimboti hazvisi siyanei yaimbovapo. Chokutanga, munhu anofanira kusarudza muvaki. Iye achatuma iye mazita nemabhangi kuti pamwe nayo. Uye pavanhu ava vanosarudza munhu anopa zvikuru zvakanaka chikwereti mazwi. The shanduro wechipiri chete, asi chokwadi. First munhu anosarudza kubhangi, uye ipapo kusarudza yokuvaka - kubva pasi kuti ikapiwa.

Zvisinei, muchiitiko ichi, pane payakaipira, zvakare. Somuenzaniso, imwe yepamusoro chimbadzo (1-2%), kunonoka deadlines ari chinhu. Zvisinei, nezvayakaipira vari kwose kwose.

Nokuti mhuri diki

Mumakore achangopfuura, zviri kuwana yakawanda kukurumbira zviri ichi mhando chikwereti. Mortgage kunobatsira vanhu vazhinji, kunyanya kana dzimba inoda mhuri duku. Chinonyanya kukosha ndechokuti zviremera zvomunzvimbo govera dzinopiwa kuti vanhu vabhadhare yokutanga yakavamba. Saka pane kuti kuderedza uwandu chikwereti.

mhuri mwana govera 30% of nomutengo. Vanhu vane mwana - 35%. Kuti vabudirire akaderedza chikwereti, unofanira kuwana pamusoro vambondimirira. Kana zviri dzoro imwe mhuri, vari kupiwa gwaro kuti kutenga nemafurati. Izvi - nzira yokutanga yakavamba kubhangi kuti chikwereti.

Unofanira kuziva kuti wechiduku vakaroorana mhuri vaya umo mumwe murume asina mukuru kupfuura makore 35. Vari kupiwa chikwereti kusvika makumi matatu. Asi pangava kunonoka (ichi ndechimwe ndinoiitawo concessional achiposa), uye pamwechete navo vaizova makore anenge 35. Zvisinei, kunyange kuwana chikwereti, unofanira kusangana ezvinhu akawanda. Wokutanga - nechimwe vachizoenda kuva mugari wenyika Russian Federation. Uye wevakadzidza basa, aine tsime mari, izvo zvinogona kupupurirwa gwaro. Minimum zera mumwe munhu - makore 18.

Credit nokuti kuvandudzika zvipenyu mamiriro

nyaya iyi Tinofanira kuonawo nzeve, kutaura marudzi mortgages. Housing, vanhu vakawanda kare, asi kazhinji mhuri inoda kana kuti akudziridze vapenyu nzvimbo kana kuti kuvandudza mamiriro. nyaya dzakadaro kazhinji chakagadziriswa nyore. Vanhu vari kutengesa mufurati, iro vari ipapo yacho kutenga imwe pfuma, kubhadhara imwe mari, yakabudiswa pamahombekombe sechipiriso mogeji.

The chikuru mukana uyu mhando chikwereti ndechokuti zvinogona kuunza pasina rubatso uye makomisheni. A zvakawanda kwazara vemunzvimbo uye yeUnited zvirongwa, kupa mamiriro ezvinhu akanaka nokuda vadzidzisi Somuenzaniso, mhuri nevana vakawanda, etc. Uyezve, mbiri kuvandudzika zvipenyu ezvinhu anogona kupa, kunyange pasina achibatsirwa basa zvachose. Uye mubereko prices vari yakaderera.

Information vatorwa

Vanhu vakawanda vari vagari dzimwe nyika kuziva mubvunzo - kana zvichibvira kuti chikwereti ine chivako mvumo? Interesting nyaya. Eya, kutenga imba, munhu anogona muna Russian Federation. Asi pano ichi hakusi zvakakwana, uye akatora chikwereti, zvakaoma chaizvo. Financial Masangano vanowanzotevedzera kudzivisa kwema pamwe vatorwa, sezvo vasina Russian chizvarwa, uye saka, vanogona kusiya nyika nyore, kwete kubhadhara zvikwereti. Panyaya iyi, mabhengi vari tightening dzavo zvinodiwa napo chokuita anokwereta. Zvisinei, pane mabhanga kuti vanonzi akatendeseka kwazvo mitero vavatorwa. Asi kunopindirana chikwereti pamusha mvumo chinhu chaichoicho. Asi iwe unogona kuudza pamusoro ezvinhu muudzame hukuru zvikuru kwazvo.

zvinodiwa

Zvakanaka, kana mutorwa asarudza atore mumwe chikwereti ine chivako mvumo, chinofanira, chokutanga, ngakuve basa zviri pamutemo muRussia. Munoterawo uye kupfuura mwedzi mitanhatu-basa ruzivo muna Russian Federation. More vanofanira kuratidza kuti mutorwa pamusoro inotevera 12 mwedzi richava muRussia. Unogona nyore kupa chibvumirano pamwe mushandirwi uye mari mashoko. Age kunokoshawo. The Zvakanyanya Kunaka Panguva Yepamuviri - pakati 25 uye 40 makore.

Asi vamwe nemabhangi kuisa mberi yokuwedzera zvinodiwa. Somuenzaniso, shoma basa ruzivo muRussia ringava pa 6 mwedzi, uye miviri kana matatu. Uye kwokutanga muripo, izvo kazhinji 10%, kuchawedzera kusvika 30%. Kungada guarantors kana vagari anokwereta (vagari Russian). Uye pfuma akarumbidza Bank akanga umbofanobata mari. Asi, chokwadi, zvichaita kuwedzera chimbadzo. Kazhinji, zvakaomera vatorwa anoenda chikwereti.

Mhando zvikwereti chikwereti vakasiyana vamwe nuances, uye kuti izvi - kwete kunze. The mutorwa achava kuungana pasuru magwaro, kunze mureza (certificate mari, urefu basa, kuti mushandirwi makondirakiti uye zvichingodaro. D.). Unofanira vehurumende pasipoti yako uye notarized kopi pamwe rokushandura kupinda Russian. Uyewo - mvumo muRussia uye kupinda munyika (vhiza). Uye vachiri kuda kutama kadhi uye kunyoresa munzvimbo umo chikwereti iri rakapa.

bheiro

Zvinonyatsozivikanwa: kuwana chikwereti, unofanira kupa kubhangi imwe ukoshi kuti aigona atore muripo vake kunoshamisa chikwereti (kana payer haisi kukwanisa kubhadhara mari). Hakuna kusara uye mortgages. Mhando rubatso iyi - zviri zvechokwadi wemunda. Uye izvo anoda kuwana munhu kutora chikwereti.

Zvose zviri nyore. Murume anogadzira chikwereti kubva kubhengi (kana rimwe sangano zvemari), pamwe ezvinhu kuti mufurati iri yakatengwa pamusoro dzinounzwa mari, uye achaita se rubatso. Vakundi muri vechikamu vese vari kutengeserana. Anokwereta pakupedzisira anopiwa mari uye kutenga mufurati. Bank anowana mubereko muchimiro vachibhadhara pamusoro chimbadzo, uye nokuti kuti ndicho chinhu chinokosha mutengi kutora dzimba, waanodzikisira ngozi default.

Uye zvose zvinoitwa matanho akawanda. Chokutanga, yeGmail.END_STRONG anogamuchira kufarirwa kubhengi. Zvadaro anosarudza imba, kudzidza nesekondari pamisika. Zvadaro - Anoongorora uye insures pfuma. Uye pakupedzisira anosaina chibvumirano, anowana mari mari nokuda ngaakuitirei, uye ipapo nevakabva.

On the "misungo"

Zvino zvakafanira kuti titaure pamusoro mutoro dziri mortgages. Shoko chairo yaitova musimboti tsanangudzo. Encumber mekamuri, akatenga munhu chikwereti, akadai kurambidzwa muridzi kodzero, uyewo nokuiswa paari chete mitoro.

Kuisa Zvinongoreva, munhu anogona fambisa dzimba dzavo kwenguva pfupi kushandisa vamwe kuti kuitora, kana kuedza kutengesa kubhadhara chikwereti. Asi izvi zvose - chete mvumo pledgee. In basa izvo mune iyi anoita se kubhengi. encumbrances All vanobviswa pamunhu kana anotsiva chikwereti chake. Kubva nguva anova muridzi zvizere mufurati.

Asi kana, somuenzaniso, anoda akazvitengesa kana chikwereti haina kubhadharwa, vachafanira kuita hanya nuances. Kuwedzera chibvumirano waakazvitengesa, gwaro yokuparadzira mashoko kunodiwa, rakanyorwa mvumo pledgee uye mutsara kutengeserana vemapato.

inishuwarenzi

It watopiwa kutaurwa kakawanda kuti watengwa redzimba kuti inishuwarenzi. It chaizvoizvo. Ndezvipi mhando inishuwarenzi pamwe chikwereti? Vaviri vavo - zvose fanira uye hako.

Saka, kubhadhara inishuwarenzi chero zvazvingava zvakakodzera. Asi ichi ndicho - yakaderera mari. By mutemo, mukwereti anofanira inishuwarenzi chikwereti kureva sandara chete,,, nokuti kutenga iyo chikwereti chinobviswa. Kazhinji anenge 1-1.5% yose inowanwa.

Kuita mamwe inishuwarenzi inotengwa kudzivirira dzimba kubva nokuparara uye kurasikirwa. Asi - musoro kurasikirwa kodzero, izvo zvinogona kuitika nokuda kubiridzirwa kana kaviri okutengesa. Pakupedzisira, kunyange upenyu uye hutano yeGmail.END_STRONG achachengetwa. Pashure pezvose, mbiri kutenga redzimba anotorwa avhareji yemakore 10-15. Inguva refu, uye panguva iyi munhu anogona kuitika kwese, nekuti upenyu nezvimwewo.

Sei kubatsirwa?

Eya, chikwereti kunobatsira chete nemabhengi Developers, asi anokwereta vanodawo hazvifaniri parumananzombe. Uye kana uchida kuchengetedza mari, zviri nani kuti kubuda chikwereti kuti pfupi zvaibvira nguva. Batsirwa inogona dzaona nomuenzaniso nyore. Ngatitii murume anotora mamiriyoni 1 rubles chikwereti pa ane interest 13% pa annum. Kana akatora mari iyi kwemakore mashanu, ipapo ungazvirumbidza kupa mwedzi 23 000 rubles, uye pakupera ari overpayment achava 366 000 p. Kuronga chikwereti kwemakore 15, zvichava kubhadhara 13 t. P. Zvishoma! Hongu, asi chete pakutanga kuaona. Maererano zvabuda, iye overpay mamiriyoni 1,3 rubles. Saka kuti mubvunzo nguva, unofanira kusarudza kutanga.

Asi chii vose kare dziri nzira ndiyo yakanakisisa? Unogona nharo kwenguva refu, uchinyora zvayakanakira nezvayakaipira. Munhu wese - yake. Asi kana isu kutonga chinangwa, kusarudza pamwe kutenga dzimba pasi kuvakwa - zvakanakisisa. Chokutanga, unogona kuponesa dzinokwanisa - kubva 1/5 kusvikira 1/3 yose inowanwa. Zvino overpayment somunhu 1-3% yevanhu pano asingadi vane basa rinokosha. Chechipiri, unogona Musatya pokumbononotswa ouzivi nokutumwa. Zvino mabhanga vane zvibvumirano chete yakavimbika Developers, nokuti njodzi zvishoma. Asi kugadzirisa, zvakare, munhu wose anofanira yavo.