Chii chikwereti uye sei kundoitora? Zvinyorwa, yakavamba wokutanga, kufarira, nokuripira ane mogeji chikwereti

Mune zviitiko zvemazuva ano zvehupenyu, apo vagari vepasi pano vari kuramba vachikura, chimwe chezvinhu zvinonyanya kukosha ndeyeimba yeimba. Haisi chakavanzika chokuti mhuri dzose, kunyanya vaduku, vanogona kutenga zvigaro zvavo, saka vanhu vari kuwedzera kufarira kuti chii chavanobhadhara uye kuti chingawana sei. Ndezvipi zvakakosha zvechikwata ichi chekweretesa uye chakakosha "candleworm"?

Chinhu chikuru chekutenga chikwereti ndechekuti kana iwe usina hama dzakanaka dzinokwanisa kukwereta mari yekugara pasina kubhadharwa, uye iwe unoda kuva neimba yako pachako, unogona kushanda kubhengi uye kuwana mari yakakodzera. Zvisinei, rudzi urwu rwechikwereti rwakasiyana zvakasiyana nekwanisi yemari yavatengi, yatakagara tambojaira. Izvo chaizvo-tichazonzwisisa.

Chii chikwereti uye chingawana sei pasina matambudziko?

Chokutanga pane zvose, iwe unoda kunzwisisa kuti chikwereti chekubhadhara chikwereti chikwereti chakatarwa chekuwana imwe nzvimbo yekutengesa, uye zvakasiyana nemutengo wemari yavatengi, haungakwanisi kurasa mari paunonzwisisa. Mukuwedzera, munyaya iyi, kazhinji chinhu chakawana chinhu chinova chibvumirano - imba, shopu, chigadzirwa chekugadzira. Nokudaro, zvinogona kukwikwidzana kuti mari yekutengesa dzimba yekuchengetedza zvikwereti kune vane chikwereti inotora chikwereti. Mabhangi, zvisinei, haatore chete dzimba - chikwereti chinogona kunge chiri motokari, yecht, nzvimbo yevhu. Zvisinei, humwe hunhu huripo hwekukweretesa ndeyekuti chinhu chinowanikwa nenzira iyi chinova chivako chemunhu anenge akwereta pakarepo mushure mekutsvaga.

MuRussia, kusiyana kwakasiyana-siyana kworudzi urwu rwekukweretesa inotora chikwereti chekugara. Uye, sekutonga, ndiyo imba yakatengwa iyo inopiwa sechibvumirano kubhangi, kunyange, sechinhu chisarudzo, zvinokwanisika kune chikwereti chiripo chiripo chagara chiripo. Urwu ruzhinji rwemashumiro anopiwa nevanenge mabhanga ose - Sberbank, Gazprombank, Alfa-Bank, VTB. Kutengeserana kune chero chikwereti chekwereti kunobatsira nguva dzose, nokuti kunyange kana uyo akwereta asingakwanisi kubhadhara chikwereti, chikwereti chicharamba chiripo nebhangi. Ndicho chikonzero chikonzero ichi chichida kubhadhara zvikwereti zvakadaro, kushingaira kupa "zvakanaka" mamiriro ezvinhu.

Ndiani achapiwa chikwereti uye chinodikanwa neizvi

Kuti imba ive nzvimbo yekutengesa imba, iwe unofanirwa "kutora" zvakakwana, kuunganidza zvakakodzera mapepa. Asi isu tichataura pamusoro payo zvishoma, uye zvino ngatitangei mamwe mararamiro evanhu vanogona kutora chikwereti:

1. Chokutanga pane zvose, zera - urongwa hwakanaka hunobva kumakore 23 kusvika kune makumi matanhatu.
2. Nhamba yekutendeseka - iwe uchada chisingagoni kutora chikwereti chenhoroondo. Kana iwe usina imwe, saka usati wakumbira chikwereti chikuru, tora vatengi vashoma uye uzvishandure zvakanaka. Zvechokwadi, chikwereti chemutengesi haisi chikuru sechikwereti, iwe uchabhadhara zvishoma, asi kuva nemari miviri kana mitatu panguva inenge iine chiitiko chakanaka pamufananidzo wako pamberi pebhangi.
3. Chiitiko chebasa - makore anopfuura maviri, uye nzvimbo yekupedzisira yebasa - mwedzi mitanhatu.
4. Kuvapo kwemari "yakachena", yakakwana kubhadhara mari yekubhadhara pamwedzi.
5. Uye, zvechokwadi, unofanira kutora runyoro rukuru rwemashoko, uye kunyanya kubhadhara bhangi, mapepa akawanda, zvitifiketi uye maresi iwe uchabvunzwa.

Zvechokwadi, zvinodiwa zvinorondedzerwa pamusoro apa - iyi ihurukuro yakawanda, mune mabhurocha ekudhindisa unogona kuwana zvimwe zviratidzo. Semuenzaniso, mamwe mabhangi ari pamapepa avo anotarisa anotaura kuti vakagadzirira kubhadhara chikwereti chemari kune vanhu vanobva pamakore gumi nemasere. Kana imwe sarudzo: zviri pachena kuti mhinduro yakanaka haifaniri kuwana chikwata chemari. Saka, iwe unoziva: kazhinji inongova kushambadzira kunofamba. Vatengi vanoziva kubva kune avo vanoziva kuti chii chinotora chikwereti uye kuti chingawana sei, taura: kana iwe usingakwanisi kuita zvinotaurwa pamusoro apa, haungatori chikwereti cheimba. Uye ndiani anonzi akatarisira kutambira kwakanaka?

Saka, iwe unogona kupiwa chikwereti kana:

• Iwe unenge makumi maviri kubva muzana yemari yekutenga dzimba yekutengesa pasi;
• Mari yako yepamutemo inowanikwa kaviri kubhadhara kwemwedzi;
• Imba inotorwa kune imwe imba, uye kwete yeimba yemunda kana imba yega;
• Vose vane nhengo dzemhuri dzakagwinya vane basa rakanaka nemari ye "white";
• Kune imwe nzvimbo yekutengesa ikozvino inowanikwa kwauri nekodzero yehudziri (haingazodiwi kutora chikwereti icho, zvakare);
• Iwe hauna chikwereti chakakosha uye zvimwe zvikwereti zvemhosva;
• Iwe hausi kuita sechirango chezvikwereti zvehama kana vanozivana;
• Chiitiko chebasa pachinzvimbo chekupedzisira chebasa chinopfuura makore maviri;
• Iwe unogona kupa imwe kana maviri guarantors ega (inodiwa kakawanda, asi kwete nguva dzose).

Documents

Saka, iwe wakasarudza kuti nzira chete yekubuda nayo ndeyokuvandudza mararamiro ako - chikwereti. Mabhangi achada kubva kwauri iwe unofadza mapepa emagwaro. Ngatigarei pamusoro payo zvakadzama.

Ruzhinji rwemashoko rinoratidzika seizvi:

• Mubvunzo webhangi;
• Chikumbiro chekubhadhara chikwereti - dzimwe nguva chinogona kubudiswa paIndaneti nekushanyira website yepamutemo yekambani;
• Ikopikopi yepasipoti yehurumende kana dhidhiyo inotsiva iyo;
• Ikopi yehutano hwepenisheni yenyika inshurensi;
• Certificate (kopi) pamubhadharo wemitero munharaunda yeRussian Federation (TIN);
• Varume vezera remauto vachadawo kopi yekiti yehondo;
• Photocopies yemagwaro pamusoro pemari yakagamuchirwa - diplomasiti, zviiti, nezvimwe;
• Kopi dzezviiti zvekuroorwa / kurambana, kuberekwa kwevana;
• Kuroorana musangano (kopi), kana pane;
• Mufananidzo webhuku rebasa (mapeji ose) nekambani yekuvimbisa yavanoshandisa;
• Chero mapepa anotsigira ukuru uye inotora mari yako - fomu 2 Personal Revenue Tax, mabhuku ebhangi kubva kumabhengi, mabhizimisi ekugamuchirwa kweaimony kana rubatsiro rwekubatsira nguva dzose, nezvimwewo.

Mune dzimwe mabhanga, magwaro aya akakwana, asi kazhinji kero chikwereti chekutenga chikwereti chinoda nhamba yakawanda yezvivimbiso. Semuenzaniso, iwe unenge uchida kugadzirira:

• Fomu 9 - chiremba chekunyora panzvimbo yekugara nekugara;
• Zvinyorwa zvepasports zvevanhu vemunharaunda yevanhu vose vanogara pamwe chete newe, pamwe chete nehama dzepedyo (vabereki, vana, vakaroorana), pasinei nenzvimbo yavo yekugara nekugara;
• Chiremba chemuwandu wepenjeni uye kopi yepensiti yepensheni yevasingashandisi hama dzezera rinotevera;
• Makopi ezviviso zvekufa zvevose vakafa pakarepo vakaroorana - vakaroorana, vabereki kana vana.

Uye zvakare magwaro

Kana iwe uine dzimba inodhura, iwe uchada zvinyorwa zvekuremekedza zvichiratidzira wega-vatengesi, zvipo, zvivako zvekutengeserana zvekugara kwezhizha, imba, yemotokari, nezvimwewo. Uchadawo chidziro pane fomu 7, kuratidza zviyero zvekugara kwako / Non-residential premises.

Sezvo iwe uine zvikamu, zvisungo, nezvimwewo, iwe unofanirwa kugovera zvinyorwa kubva kune rejista yevadzidzisi vemari.

Chikwata chekugara kweimba ibhizimisi rinotarisira. Saka zvakakosha kupa zvinyorwa zvinotsigira kutendeseka kwako - chikwereti chekwereti, makopi emakiti ekubhadharwa kwemafoni uye kushandiswa kwemasangano, kubhadhara kwemwedzi shomanana yapfuura, kana zviri nani kwegore kana maviri.

Kana uine zvikwereti mumabhangi-kadhi, ikozvino, mari, chikwereti, paunoda, nezvimwewo, - unoda zvinyorwa zvinoratidza kuti zviripo.

Mukuwedzera kune vose, kuti vaite chikwereti chemari yekutenga chikwereti, iva nechokwadi chekoti chikwata chechibvumirano chinosimbisa kuti iwe hauna kubhadhara ne psycho-neurological kana narcological dispensary.

Paunenge uchitaura nebhangi, haufaniri kungoita ma kopi chete, asiwo mavambo ezvinyorwa zvepamusoro, uye kana iwe unobhadhara chikwereti, iwe uchafanirwa kugadzirira mapepa akafanana naye.

Uye zvakare magwaro

Zvinyorwa zvinyorwa zvinogona kudiwa kune avo vanoshanda "ivo pachavo" uye vane bhizinesi ravo pachavo. Inogona kuva makopi ezvinyorwa zvinyorwa, zvinyorwa zvekubvisa zvemari / kurasikirwa kwemakore mashomanana apfuura, vashandi, makopi emakambani makuru, mabhizimusi emashizha - kazhinji, chero magwaro anogona kugonesa kugadzikana kwemari kwebhizimisi rako uye kukwanisa kwayo kusimbisa.

Kana iwe uri muzvinabhizimisi pasina sangano repamutemo, bhangi inogona kukukumbira kuti upe:

• Certificate yekunyora;
• Mvumo yekubhadhara mitero nemipiro yemari yakasiyana-siyana;
• Kopi yemabhuku ebhangi emarenda emakore mashomanana apfuura;
• Bhuku rekodha yemari uye mari (kana iri);
• Zvinyorwa zvekubhadhara zvibvumirano nemamwe magwaro anoratidza kusimba kwako uye solvency;

Sezvaunogona kuona, imba inotora chikwereti ibhizimusi rinotambudza. Mushure mekunge magwaro ose anodikanwa atumirwa, zvakakosha kumirira chisarudzo chebhangi chekubhadhara chikwereti. Kazhinji nguva yekudzokorora inogona kutora kubva kune rimwe zuva kusvika kune vhiki dzinoverengeka, asi mamwe mabhangi anopa "kutora chikwereti" basa, kana chisarudzo chingaitwa maawa maviri kana matatu. Sezvo wagamuchira chibvumirano chekutanga, unogona kutanga kutarisa imba.

Nzira yekusarudza bhangi: iyo inobhadhara mari yakawanda yemari

Kana iyo yakareba runyorwa rwemashoko anodikanwa risina kukuvhundutsa, uye iwe wakasimbisa pakusarudza kwako kutora imba pachikwereti, regai tinyatsocherechedza mubvunzo wekusarudza nzira yakanakisisa yekupa. Zvakajeka kuti kubhadhara chikwereti inzira yakareba uye yakasvibiswa, uye haugoni kudarika, sezvinonzi munhu wese anoziva. Chii chandinofanira kutarisa patinosarudza chikoro chekwereti?

1. Chokutanga pane zvose, unofanira kunyatsodzidza zvirongwa zvinopiwa nebhangi. Panguva imwe chete, edza kubhadhara mahofisi ayo ave achishanda mumusika kwemakore anoverengeka uye ane rumbidzo yakavimbiswa.
2. Kana uine kadhi (chero ipi zvayo) yeipi yebhangi, uye iwe kazhinji unogutsikana nebasa rayo, saka chekutanga chenguva dzose teerera iwe kune imwe nzvimbo yebhizimisi. Nyaya yacho ndeyokuti kazhinji kune avo vanoramba vari vatengi masangano ezvemari anopa zvakakosha, mamiriro ezvinhu akanaka ekukweretesa, kudarika vanhu vakataura kwavari kwekutanga.
3. Ngwarira kwete kwete chete kune chikwata chechibereko, asiwo kune imwe nguva inowanikwa yekubhadhara nguva, iyo yakawanda iyo inoguma inogona kuva yakakura zvikuru. "Mitemo" yakadaro inogona kukweretwa nebhangi yekushandiswa kwezvivako zvakasiyana-siyana, inshuwarisi uye mamwe mabasa.
4. Iva nechokwadi chekudzidza kubvira kwekubhadhara kwokutanga kwechikwereti. Somuenzaniso, mubhangi rakafanana neVVB, chikwereti chinogona kubhadharwa mberi kwepurogiramu pasina matambudziko, uye zvimwe zvikwereti zvezvikwereti munyaya ino zvinoda kuti muteresi abhadhara pamwe nekuwedzera mimwe mitero uye chirango. Izvi zvinogonawo kuchinja sarudzo yako.
5. Munenge mapeji ose ebhengi ane webhuworo yebhishopu, uko iwe unogona kuwana nyore nyore mortgage calculator. Zvakanyatsonaka: nekuzadza munharaunda yakakodzera, unogona kuverenga zvakawandisa kuti uchabhadhara mari yakawanda sei mwedzi. Enzanisa idzi nhamba, dzinomhanya kuburikidza nemapeji emabhengi akawanda, uye ichinyanya kupa zvakanakisisa kupa.

Kuti urege kuvhiringidzwa nehuwandu hwezvirevo, iwe unogona kuzvigadzirira tafura shoma, apo mahwendefa acho achava emitemo yemukwereti, uye mitsara - mabhanki akawanda anopa chikwereti. Iva nechokwadi chokuti uchishandisa mortgage calculator - iyo inonyatsoita kuti kuverenga kwako uye kubatsire kuziva kuti kubhadharwa kuripo uye chikamu chebhadharo yemwedzi.

Columns (chirongwa) inogona kuva:

• Nguva yekutengesa;
• Chido chekufarira;
• Mwedzi wekubhadhara;
• Chechitatu-mapato emishoni, zvikwereti chimwe chete;
• Vanoda kusimbisa mari;
• Kugona kubhadharwa kare;
• Chiyero chekupa mvumo yekutanga;
• Zvisarudzo zvekubhadhara kwekupedzisira kwemari yemwedzi pamwedzi;
• Promotional offers.

Zvechokwadi, iyo inorongwa mazita ezvidzidzo iwe unogona kuwedzera pakunzwisisa kwako. Usakurumidza kusarudza bhangi nechechiderera chechibereko - zvichida mamwe mamiriro ezvinhu haazobatsiri. Saka ongorora zvinhu zvose zviri nyore.

Social mortgage loan

Pane imwe imwe chinhu chaunoda kubhadhara paunosarudza bhangi. Nyaya yacho ndeyokuti kune mamwe mapoka evanhu vanoti vanhu vanobhadhara mari inowanikwa - inokweretesa yakakosha inotarisirwa kugovera dzimba kumatare asina kudzivirirwa evanhu vasingakwanisi kutenga imba mukati mekugadzirisa "kutengesa mari".

Mhedzisiro huru yemhando iyi yekukweretesa ndiyo inodhura yemamita mita imwe yeimba yakatengwa. Kuti uite chikamu muchirongwa, unofanira kunyora chikumbiro chekuvandudza mamiriro ezvinhu edzimba uye kunyoresa neHurumende panzvimbo yako yekugara. Ikoko sarudzo yako ichaongororwa uye chisarudzo chakakodzera chichaitwa. Imwe yenzira yakakosha yekuisa iyo rekodhi inoenderana nekugadziriswa kweChinamende yeVatungamiriri veRT nha. 190, iyo inotevera ichiti chirevo chekugadzirira nzvimbo yese yehumba nemunhu ndeye 18 m ² .

Vatori vechikamu che "Social Mortgage" purogiramu inogona kuva, semuenzaniso, vashandi vehurumende. Mari yechikwereti inogona kubudiswa chete ne7% pagore uye kwenguva inosvika makore 28.5, kazhinji kacho isingatori kubhadhara.

Zvisinei, haasi mabhanga ose anoshanda nemhando iyi yekukweretesa. Mashoko akadikanwa paanokwanisa kubudiswa, uyewo kana iwe unogona kuzvitaura, inogona kuwanikwa muguta (ruwa) kutonga. Kazhinji kazhinji kune dhipatimendi rinotarisira hurongwa hwehumba.

Kukweretesa kumhuri duku

Kana vanhu vezera rekare vainyanya kugamuchira dzimba munguva yeSoviet, zvino mari yekubhadhara kumhuri mitsva ikozvino ndiyo nzira chete yekuwana dzimba dzavo uye kuzvimirira. Nenzira yakanaka, rudzi urwu rwekukweretesa runotsigirwa nehurumende.

Mhuri imwe neimwe yevechidiki inogona kutora chikamu muhurongwa hwehurumende uye inokodzera kuwana rubatsiro rwehurumende kutenga dzimba dzavo. Nzvimbo inowanzoitirwa mhuri yevanhu 2 iri 42 square mita. Mhuri yakadaro inogona kutora rubatsiro rwe 35% yemari yeimba. Kana murume nemudzimai vakaroorana vane vana, dzimba inowanikwa se 18 m ² pamunhu, uye ukuru hwebhasiro inowedzera kusvika ku40% yemari yeimba.

Nzvimbo iyo inokweretesa kune vechidiki inogona kugoverwa kwete chete kana yakaroorwa - "vanhu vasina kuroorwa" vanogonawo kushanda kune chikwereti chakanaka. Nokuda kweizvi, tsika yevadzidzi vekuvaka, iyo iri kuumbwa mumayunivhesiti akawanda, iri kudzoka munyika yose. Mushure mokunge murwi weuto iri aita "mazana zana nemakumi mashanu ekuchinja" kuitira kuti vabatsire maMelandland, iye anowana kodzero yekuita chikwereti cheimba pane mari. Nokudaro, mushure mekuita basa shoma, unogona kutenga imba 2-3 nguva inodhura kubva pachikwereti chayo.

Chikwata chevasungwa

Purogiramu yenyika "Military Mortgage" ndiyo imwe nzira yekutsigira vanhu. Iyi purogiramu inotarisirwa kuvandudza mararamiro ehupenyu hwevashumiri kuburikidza nemari yekubhadhara mari. Izvo zvose zvinoenderana nehutungamiri hwemuto weavo vanobatanidzwa uye zuva rekusaina kontrakiti yekutanga yebasa.

Musimboti chirongwa "Military Mortgage" iri yokuti nerimwe gore pamusoro nomumwe nokuda mumwe serviceman hurumende anoti imwe mari, uwandu uko kugara akaongororwa nevanhu hurumende yeRussia zvichienderana padanho mitengo uye zvimwe zviratidzo. Nokufamba kwenguva, mashoko akazviunganidzira mari inogona kushandiswa senzira pasi mubhadharo pamusoro chikwereti.

Zvayakanakira nezvayakaipira

Zvino kuti imi muri kupfuura zvavo nemashoko, pachena kuti vakadaro chikwereti uye kuti varuwane, hazvibviri kwete kurega pamusoro huru zvakanakira nekuipira nzira iyi anomukweretesa.

Chokwadi, chikuru mukana chikwereti ndechokuti kwenyu mufurati, unogona kuwana iye zvino, pane kuti aponese kwemakore anouya, "mykayas pamakona." Sezvo chikwereti iri rakapa kwemakore akawanda, rendi rinowanzova kunyanya guru, achitsive zvizere kukwanisa Average Russian.

Zvisinei, pasinei "muraraungu" tarisiro havafaniri kukanganwa pamusoro zvikanganiso, pakati iyo inofanira kunzi chihombe overpayment Kufarira pakutanga, dzimwe nguva richisvika anopfuura 100%. Uyezve, anenge ose chikwereti chibvumirano nguva iripo yechitatu-party mari - nokuti tiine chikwereti nhoroondo, nokuti kufunga chikumbiro, siyana insurances, anotuma uye zvichingodaro. izvi zvose pamwe chete vanogona kusvika 8-10% of Mari pasi muripo. Uye, chokwadi, guru pasi magwaro, kunyange izvi hazvishamisi, nokuti kubhengi unomutenda iwe mari yakawanda, uye refu kwazvo izwi.