Chii chikamu mortgages kuti rechipiri misha?

Statistics muna 2016 akaronga Russian Sberbank mutungamiri kwenhamba rakapa chikwereti zvikwereti nemari nokuda kuvimba kwavanhu vazhinji. State Bank Mutemo 2017 nechinangwa paakasika zvinhu zvakafanira kuitira kuti vagari vane mukana kuwana chikwereti chikwereti shoma kufarira.

Mortgages - ichi ndechimwe huru zvinoriumba ari hurongwa nokukwereta mari earmarked. Mushure tama mari kutenga zvivako pokugara kuri kuva chikwereti (chikwereti) of pamahombekombe sechivimbiso kuzopiwawo kuti zvikwereti. Chii chikamu mortgages kuti rechipiri misha?

Pfungwa yacho chimbadzo

The Bank anoisa nomumwe kuti mubereko chikwereti zvikwereti isunungurwe nerimwe. Kufarira rate tiri chikuru kubhadhara, avo chikuva zvichisiyana 7 kusvika 12% nokuda kwezvikwereti vatorwa mari, uye kubvira 8 kusvika 14% - ari Ruble Credits.

Kana pakuverenga kuti chikamu ukoshi vane zvinotevera nuances:

1. Vanoramba. Pakuunganidza Real Estate. Izvi zvinogona kuva mufurati kana yeimwe, uyewo chikamu mufurati imba kana.

2. musika dzimba. Panyaya iyi - iyo yechipiri. Kureva, pekugara haingowanwi nenzira itsva, kwete asi mapfumo imba.

3. pamutemo mari yacho chimiro 2-gomba, kana gwaro iri muchimiro kubhengi.

4. Required nenguva. Mortgage izwi hwakareba kudarika zvikwereti nevatengi.

5. yokutanga yakavamba. It ane ukoshi kupfuura mutengo pokugara, kana kuti chimbadzo rinokundwa.

6. Promotions uye anokosha zvinowanika.

The chikamu mortgages nokuti yechipiri misha iri kumusoro, kune overpayment. The yakareba muripo, mari yakawanda yacho anokwereta mari. Somuenzaniso, mumakore 20 chikwereti iri akaripa kaviri mutengo mufurati. Asi kunakisa ndechokuti munhu achava nzvimbo yavo uye vasina kubhadhara zvimwe mari, kurendesa kamuri - mari yaaipedza ari kuripwa yayo mativi mamita.

Chikwereti musika rwechipiri: kufarirwa mabhanga

Kufarira yechipiri pekugara chikwereti muna 2017 achavaponesa zvinhu zvinotevera:

1. Ngadzirambe kukura nechigadziko mwero pedyo Central Bank. Now 11.5% (siyana kusvika 11.9%).

2. Kuisa kupinda nokushanda itsva zvirongwa hurumende. Kubva pakutanga muna January 2017 akatanga kuchinja prices.

3. ezvinhu Economic.

Zvinotarisirwa chikwereti chirongwa muna 2017 muna mumari Bank - a chaiyo kupa pamusoro pasina yokutanga yakavamba. Vanhu zvakaoma zvikuru kurera wokutanga pachiyero, uye hungada mamwe mari kuti inishuwarenzi uye yakazvimirira nyanzvi kunyatsoongorora Real Estate.

Mhando chimbadzo

Anowanzonzi achinzi wakaiswa mwero kufarira. peculiarity yavo ndechokuti vakaramba chete dzose rokuti chikwereti.

Kunewo zvinoyangarara prices kuti zvinosiyana avhareji mwero misika kuEurope kukosha interbank. mwedzi mitanhatu ose kana gore, anokwereta inotaura itsva ukoshi muzana.

Kune zvabatanidzwa zvazvingava, aripo kuzochinja mumakore mashoma ari chikwereti wokutanga, uye ipapo chinoita kuti kuyangarara pamusoro pemvura. zvazvingava Izvi zvinobatsira kuti anokwereta, nokuti kunoita kuti kuunganidza mari pamberi ayo achichinja kubva mumwe.

Kufarira rinowanikwa mumwe nomumwe nomumwe achiputa chikwereti chikwereti, izvo angadai ipapo kubhadhara.

Kutonga nezvinooneka wongororo, dzakasiyana mhando pamwe risingamboshandisi chimbadzo zvirongwa vatengi vavo kusarudza mari Bank. Mortgages wechipiri mudzimba (chii chikamu kubhangi - tichakurukura pazasi) - iri zvakanaka yakakurumbira basa, izvo vanhu vakawanda vanoshandisa.

Pfungwa dzisiri Real Estate

Akadana yokugara yechipiri, mutemo pavakapinda mukushanda zvaimbonzi kushandiswa chaiko zvipenyu vanhu.

Resellers - haisi itsva, uye nzvimbo munhu akararama, ndiye muridzi (dzinongoitika kana zviri pamutemo munhu) ane kodzero kutengesa.

"Old Fund" anova asina shoma iri kudiwa pane muzvivako zvitsva. Izvi imhaka pane inokwanisika mutengo kuti munhuwo mugari. Uyezve, kutenga dzimba kwakadaro kutsanya chaizvo (kusvika mwedzi mitanhatu).

dzimba kwakadaro kunoda mudukusa mari pane zvikuru. Inoita chero pakugadzira varipo kutaurirana.

Plus, kuwanda musika dzisiri wakakura kwazvo. Kufungisisa zvatinoda uye zvaidiwa vatengi.

The chete ngozi pamwe kutenga pfuma ichi - zvakakodzera nokungwarira kuongorora magwaro ose uye varidzi utility kubhadhara nyaya.

The chikamu mortgages ari wechipiri misha

Mari Bank chinopa mukana kutenga wechipiri mudzimba chikwereti zvinotevera ezvinhu:

1. Term. Zvinoenderana papurogiramu ano. Uyewo ine kodzero yokutanga nokuripira.

2. mupiro kwokutanga (kubvira 15 kusvika 20%). The yakakura muripo, shoma chimbadzo.

3. Minimum chikwereti (mu uwandu 300 zviuru rubles).

4. zvachose kunobva mari.

5. Ugari of Russian Federation.

6. Munhu akanaka chikwereti kare.

7. Kushandiswa kodzero paruzhinji dzinopiwa (maternity guru, dzinopiwa vaduku mhuri, mari uto rinokosha mogeji).

8. kukarukureta kuti chikwereti mutsividzo "chikwereti karukureta".

Kana uchitenda Zvaifungidzirwa, hurumende icharamba kubatsira vanhu kuvandudza hwavo nderemagariro.

Kutenga apera pfuma

Sberbank anosarudza kuti chikamu mortgages ari wechipiri dzimba kubva 12% panguva shoma chikwereti. Rinoti:

• subsidized chitsama kuti vaifanira - hapana kupfuura 85% of iwe akatenga nzvimbo;

• Shoko rokuti the chikwereti - kusvika makore 30;

• mari 20% of mutengo wokutanga.

Mubereko kukarukureta chipenyu yechipiri nzvimbo hwakafanana prices muzvivako zvitsva.

Kuwana nzira yako nenhamba vachava paiva tafura mubereko pamusoro rechipiri mudzimba.

The chikamu mortgages pamusoro musika dzisiri zvinoenderana vamwe nuances:

1. Category of anokwereta. Vanhu vasingadi kugamuchira mari iri mari Bank, mari shoma kubva 0.5 1%.

2. Registration yemutoo wezvikwereti chikwereti (akawedzera imwe 1%).

3. Rokumanikidzwa inishuwarenzi youpenyu uye utano. Uyezve, mwero iri yakawedzera 1%.

To muchidimbu

Chii vanhu vanoti basa mumari Bank? Kufarira pamusoro pekugara chikwereti anogara kudzika kupfuura mamwe marudzi zvikwereti, uye kune zvinodiwa anokwereta haisi yakakwirira nguva dzose. Dzakafanana kubhadhara uye kugara, wakaiswa chimbadzo anogara kuhwina. Property anogona kuregererwa pamberi kukura. Muzana chikwereti yechipiri kwedzimba Sberbank usingashandi (13%).