Bank zvikwereti: mhando uye mamiriro

Pari, kumabhanga vava vakawanda tsime mari nokuda mikuru acquisitions zvose nokuda kwevanhu uye nevemabhizimisi. Uninitiated munhu nyore kukurira dzakasiyana-siyana zvikwereti inopa uye zvikwereti ezvinhu.

Bank chikwereti - kuchinjwa kadhi sangano munhu kana sangano mari iri muripo weUS hwaro nemamiriro pakudzoka kwavo pashure imwe nguva.

Marudzi kumabhanga

In dzezvoupfumi, hapana chete weboka zvikwereti kune vamwe marudzi ayo. Zvinonyanyozivikanwa inotevera kupatsanura zviratidzo:

• anomukweretesa sangano (dzinongoitika vanhu, nomutemo masangano);
• izwi (pfupi, unosvikirwa, refu, kudiwa);
• Kugadzwa (mutengi, motokari zvikwereti, mubhizimisi, chikwereti, zvokutengeserana, maindasitiri, zvokurima);
• kana vari vakanochengeta (yakasimbiswa, unsecured);
• kukura (diki, unosvikirwa, guru);
• mutsividzo muitiro (kudzikinurwa kuroorwa mari kudzikinurwa kuburikidza papurogiramu);
• mhando mubereko prices (wakaiswa-zvazvingava, akayangarara mwero).

Pari, bhengi zvikwereti, iyo rwezvemabhengi gadziriro Russia vari kuchinja: kuwedzera uwandu zvikwereti inopa vavo nemamiriro vari kuva siyana.

Gare gare munyaya chatichakurukura muudzame inonyanya rwezvemabhengi mari zvikwereti vanhu uye akakodzera parameters chikwereti zvirongwa.

mutengi zvikwereti

Consumer - iri kumabhanga kuti zvokukurumidzira zvinodiwa, huchashandiswa unogona kupedza chero chinangwa panguva yayo kungwara. Consumer chikwereti anogona kuva chakanakisisa chingaitwa kana Verengai waida unosvikirwa kadikidiki, uye kumhanya uye zvakanaka yokuwana mari kunokosha chaizvo. Optionally, unogona kuwana chikwereti pane mubhengi kadhi nhoroondo kana mari. Payment zvinogoneka nokuda mari, ATM uye Indaneti. Unogona kuripa ne chikwereti kadhi, mune mari kana kuchinjirwa munhoroondo.

Terms uye mamiriro;

• Mortgage chikwereti: shoma mari kunosiyana-siyana pakati 15-50 zviuru, kufadza - 500 zviuru kusvika 3 miriyoni. Nokuti makasitoma vane vakabuditsa chikwereti nhoroondo uye uwandu Payroll nemakasitoma zvinogona akawedzera.
• Chimbadzo anoenderana parameters akawanda uye ane hombe kupararira mune mabhanga siyana.
• Term: Kazhinji wakabudiswa kwenguva kusvika 5 makore asi anogona kuwedzerwa mamwe Mapato ose anokwereta kana anodhura umbofanobata. Somuenzaniso, imwe Mutengi kubhengi chikwereti Sberbank chinopa kusvika 20 makore ne Real Estate rubatso.
• Kunodiwa: zvichibvira chikwereti, zvinovimbisa vanhu kana zviri pamutemo masangano, achivaratidza unsecured.
• ongororo nguva: kubva maminitsi 30 kusvika mazuva akawanda.

zvakwakanakira:

• A pasuru duku magwaro.
• Zvakawanda nzira nokuti nokuongorora chikwereti chikumbiro.
• The pfupi Chisarudzo izwi kupa.
• Kudzora nechinangwa chokuwedzera hapana mari.
• Mukana wokusvika mari iri muruoko.

payakaipira:

• High mubereko rate pamusoro chikwereti.
• Low muganhu chikwereti uwandu.
• Small chikwereti ichiri kushanda, uye, sezvo zvakaguma guru rendi.
• The kunonyanyisa makore anokwereta anova akaderera pane pane dzimwe kwezvikwereti.

makadhi

Terms uye mamiriro;

• chikwereti chitsama: The kunonyanyisa Huwandu kadhi kazhinji pasi, muna 100-700 zviuru rubles.
• Chimbadzo: soro mwero zvikwereti zvose, kubvira 17.9% kusvika 79% chete annum.
• Term: 3 years
• Security: kwete kuzvireva.
• ongororo nguva: kubva kwemaminitsi mashomanana kuti 1 day.
• Grace kumwedzi: mazuva 50-56, panguva iyo havana kubereka mubereko panguva kukura muupenyu.
• Mamwe makomisheni: Commission kazhinji zvinopa kuti mari uye kadhi rutsigiro. Somuenzaniso, mubhengi kadhi, "Home Credit" "Mepu nokushandiswa kwe" kunodyira 990 rubles pagore, uye kadhi "Inobatsira kutenga" - mahara.

zvakwakanakira:

• Kuvapo nguva yenyasha.
• Simple Kufambisa chikumbiro.
• Minimum mashoko nezvacho.
• The zvishoma kuisa magwaro.
• Hakuna kudzora mari.
• Mukana mvumo rekutakura kana tsamba.

payakaipira:

• High mubereko prices.
• High vairangwa mukupera mubhadharo.
• Commission nokuti Kuregedzesa mari kubva ATM.
• Low chikwereti uwandu.
• The muripo wegore kuti kadhi yokuzvigadzirisa.

repair zvikwereti

Cars vava yaida, asi kwete mari nguva dzose yakakwana kuti kutenga yakadaro. kumabhanga kuti kutenga motokari kunzi zvikwereti motokari.

Terms uye mamiriro;

• Kukura chikwereti: kufadza uwandu mamiriyoni 1-5 rubles.
• Chimbadzo: 10% chete annum itsva uye 20% chete annum kuti aishandisa motokari.
• Credit izwi: kusvika 5 makore, nguva inogona yakawedzera yakawanda.
• Rubatso: kutenga motokari.
• ongororo nguva: kubva maminitsi 30 kusvika mazuva akawanda.
• Down mubhadharo: Kazhinji 10-25%, asi vamwe nemabhengi kupa zvirongwa uye hapana pasi muripo.

zvakwakanakira:

• Low zvazvingava pamusoro chikwereti.
• Verengai mukuru nevatengi chikwereti.
• Pfupi mashoko ari kushanda.

payakaipira:

• The pasuru magwaro kupfuura nokuda kwezvikwereti nevatengi.
• Small chikwereti izwi uye, sezvo zvakaguma guru rendi.
• Kudiwa chinyakare kuwanda.
• Kuzvidzora pamusoro zvekushandisa mari vakagamuchira.

mogeji zvikwereti

The Real Estate musika ari kushingaira kukura, vanhu vanowanzofunga kutenga Apartments uye kuvaka dzimba. Unorema pamusoro acquisitions pfuma kunoitika pamwe kutora chikamu mabhanga. Just ichi, uye ndiko chikwereti chikwereti - chikwereti kutenga zvivako.

Terms uye mamiriro;

• Mortgage chikwereti: chikwereti mari zvichisiyana 100-300 zviuru 500 zviuru, 15 miriyoni rubles.
• Chimbadzo: Zvichienderana chirongwa anomukweretesa kubva 10.5% 25% chete annum. Pakati kwemarudzi ose anomukweretesa prices pamusoro zvirongwa chikwereti ndiyo rakadzika.
• Term: mune mabhanga akasiyana zvichisiyana 15 kusvika 30 makore.
• Rubatso: rubatso vawana kana aripo dzimba.
• Down mubhadharo: kubva 10-25% of mutengo pokugara.
• ongororo nguva: kubva pavhiki mwedzi.

zvakwakanakira:

• Kugona kugadzira mazakwatira.
• Large chikwereti izwi.
• Low mubereko rate
• Mukana kukwezva co-anokwereta.

payakaipira:

• Volumetric zvinyorwa.
• Long-rokuti pokukurukura chikumbiro.
• kuchinjwa chinodiwa zvivako.
• Kudzora zvakanangwa kushandiswa mari.

chikwereti parameters

Usati vasarudze imwe mhando chikwereti uye chikwereti chirongwa, zvinokosha kuongorora kana hunobatsira, uye ongorora kwayo chikuru parameters:

• Chimbadzo.
• ruregerero rikurumidze.
• View purogiramu nokuripira.
• The hwaro dzemaitirwe mhindu.
• Mamwe makomisheni.
• Related mari.

chimbadzo

Kupararira mubereko prices rakanyatsojeka kuoneka pane zvirongwa zvakasiyana kuti kukweretesa kunyange chete bhengi. Kufarira pamusoro kumabhanga anoenderana zvikonzero zvakawanda, akanyanya kukosha inova zvinotevera:

• vatengi kuvimbika. Credit Masangano vanosarudza nemakasitoma vanogamuchira navo tichiregeredza mudyandigere kana muhoro, uyewo anokwereta vane chikwereti nhoroondo yakanaka. For Mapoka aya aishanda nguva dzose kupa zvaunoda mubereko prices.
• Nguva uye uwandu. Bank advantageously kupa yakawanda Zvisinei shoma raiwedzera mubereko. NdiEzekieri - Kureba kwenguva dzakanga inoenzanirana. On mashoko refu prices dzakakwirira dzimwe nguva anosvika mashanu kubva muzana points.
• kugadzira nokukurumidza. Express zvikwereti pamwe risingamboshandisi mazita magwaro ndiwo mukana mukuru nokuda kubhangi, saka zvikwereti kwakadaro dzimwe nguva anodhura pane 2-mudanga.
• Vavarira. By nokukwereta chipfuro (semuenzaniso, chikwereti kana autocredits) zvazvingava anogara yakaderera. Kunyange mukati zvikwereti mutengi ndivo vanonyanya zvirongwa zvaunoda mubereko prices (somuenzaniso, pamusoro pokumuka private kurima).
• Kuwanikwa inishuwarenzi. Kuvapo upenyu inishuwarenzi kana kurasikirwa nebasa kunogona kubatsira kuderedza mwero navashoma pfungwa.

Types mutsividzo purogiramu

Nzira mbiri ichipaza pasi yakashandiswa rokunyora mutsividzo purogiramu: pagore negore uye kusiyaniswa.

Kana girafu inokamukana vakaenzana mari yose nguva, saka iye Pagore Negore. Izvi rworudzi purogiramu zvino zvinowanzoshandiswa ne mabhanga. Rendi ane girafu yakadaro ine kumuka yakawanda wechikoro uye kufarira, uye, naizvozvo, haasi saka mutoro nokuda anokwereta, somunhu differential.

Ari kusiyaniswa nguva huru mari rakakamurwa zvakaenzana mari yose nguva, uye uwandu mubereko kunoderedza pamusoro nguva. Pakutanga chesungano kubhadhara vane nzira iyi rokukoromorwa kumusoro, asi maererano yose overpayment zviri nani. Huwandu kufarira kusiyaniswa nguva yose nguva dererei kupfuura pagore negore apo mukuru mari iri kutanga mubayiro shoma, uye kubhadharwa ari kunyanya kufarira.

The hwaro mubereko

Maererano Regulation of Central Bank of Russia mubereko pamusoro kumabhanga ari dzakava pamusoro hunoshamisa pachiyero, asi vamwe Lenders dzinotaura ari chikwereti zvibvumirano sehwaro mubereko kubhadhara kwokutanga mari wakabudiswa.

nzira yokutanga, muropa, zvakanaka kuti anokwereta, sezvo uwandu mubereko kuchaita kuderera nomumwe wechikoro achikura.

In chechipiri musimboti, mubereko hakuzochinji panguva yose pakunamata, sezvo vari dzaona kubva kutanga huwandu zvikwereti.

mamwe mhosva

In nedanho chikwereti muripo kungaratidza kuvapo dzimwe mari, ane kuvapo nani kujekesa asati kusaina kuti chikwereti chibvumirano.

Banks zvinopa anotuma siyana chokuita zvose chikwereti kana chikwereti chikumbiro, uye ayo SERVICING uye achauya nematsive.

munyaya mari

Related mari angamuka panguva dzakasiyana zvokukura mvumo uye mutsividzo yacho chikwereti. Panguva ongororo uye kunyoresa zvikwereti zvakadaro mari kazhinji nechokuita anondibatsira. Somuenzaniso, mortgages wakaitwa mamiriro kunyoresa, nokuti izvo munofanira kuripa mamiriro kubhadhara. Kana pledging motokari iri motokari mapurisa ari wakavharirwa pamusoro kunyoresa zvinhu uyewo pasi rokuparadza basa. Vamwe mabhanga anopa komisheni kuti kukurumidza kufunga kwemutongo chikumbiro kana kuti kunyatsoongorora zviri rubatso. mari idzi, Chokwadi, vaibhadhara chikwereti wacho.

Mumwe zvinhu zvikuru zvinodhura chokuita mari anogona kunzi inishuwarenzi: oga, pfuma, Hull, kubva kurasikirwa nebasa uye zvakawanda. Inishuwarenzi, sezvinoita mutemo, zvakakodzera kuti vavandudze ose gore.

Pasinei chokwadi kuti upfumi reRussia chinoenda nenguva yakaoma, nemabhengi bhengi zvikwereti vasara kudiwa vemo. Credit Masangano kupa zvakasiyana-siyana zvirongwa chikwereti, uye vainzwisisa mashoko uye zvinhu zvinogona zvinobetsera kuzvishandisa.