How kusarudza bhanga chikwereti, kwete kuti overpay

Pari, mabhengi kupa zvakawanda chikwereti zvigadzirwa zvichienderana chinangwa, kuvapo rubatso, nguva ribude kushanda, chikwereti mashoko, etc. Sei kusarudza chigadzirwa uye kwete overpay mubereko rates? Funga bhanga chikwereti chacho mhando.

Huru anomukweretesa musimboti: dzakanga ngozi-makata chikwereti, dzakanga dziri chikamu chikwereti. Ngozi zvinosanganisira kurasikirwa zvakaoma nokuda anokwereta, anokonzera mari, kurasikirwa, kuba, kuvadza rubatso, hapana rubatso, kwenguva refu achiposa, akwegura kana muduku makore mukwereti uye zvichingodaro. Saka, usati usapera mubhengi chikwereti, kubhangi anoedza kuderedza ngozi dzavo yaida mari mashoko, bhuku rinonzi basa, kunyoresa zviri rubatso, nezvokupindira mumwe kana kupfuura guarantors, upenyu inishuwarenzi uye utano pamusoro anokwereta (kunyanya kana achibudisa refu zvikwereti), ari rubatso inishuwarenzi.

The inonyanya bhengi chikwereti - chikwereti kuti mutengi zvinodiwa. Rakapa kuti kutenga imba midziyo yemagetsi, zvokuvakisa, zvemagetsi, motokari uye zvichingodaro. It rakakamurwa chipfuro uye asiri chipfuro. Target nevatengi chikwereti chinoitwa chete kutenga imwe chigadzirwa kana pfuma, Somuenzaniso, imwe motokari, ane imba furati, dzimba kugadziridza, kuti dzidzo. On chipfuro chikwereti chimbadzo dererei pane ari asiri chipfuro, nokuti bhengi racho nengozi zvingaderedzwa Clearance pamusoro watengwa kana akagadzira pfuma sezvo rubatso.

Kana uchida mari kudzidzisa, teerera yakadaro kadhi mutsetse sezvo zvikwereti mudzidzi pamwe ehurumende dzinopiwa (general zvazvingava - 11.25%, izvo anokwereta inobhadhara 5,06 chete% nokuti izwi kwekudzidza kusvikira makore 10) uye pasina map (12 % Apr kusvika 11 years). List kuti kumayunivhesiti pokuita kwehurongwa subsidizing zvikwereti kuti dzidzo, aifarirwa reBazi Redzidzo. Kufarira rate iri dzidzo dererei zvikuru kupfuura mamwe zvikwereti mutengi. Uyezve, pane nguva kuzopiwawo ose wechikoro uye mubereko nyasha.

Bank motokari chikwereti (motokari chikwereti) yakasiyana kubaya mutengi kutenga motokari kuti kunyoresa yaro rubatso motokari kunotodiwa. Kurerutsa ngozi yokurasikirwa rubatso, mabhengi zvinoda kuti inishuwarenzi motokari kwete chete pane CTP, asi muna Hull. PTSD uye kopi gwaro kunyoresa akatenga motokari anoramba kubhengi kusvikira zvizere mutsividzo chikwereti. Kurerutsa saka Banking ngozi kunoita kuti kuisa kudzikisirwa chimbadzo pamusoro zvikwereti motokari (kubva 14,5%). In yangu mafungiro, kana motokari itsva akatengwa kubva munyengeri mvumo, unofanira kusarudza motokari chikwereti, uchiteverwa rubatso. The zvikonzero: nechepazasi mubereko prices pamusoro zvikwereti uye pasi tariffs, Chikomo kuti motokari itsva. Mugore kushandiswa motokari yokutanga Chikomo vanofanira kutenga kwete chete nokuti kuti ndiwo chinodiwa kuti kubhangi, asiwo nokuda rugare hope uye tikachirega. Kana motokari iri yakatengwa wechipiri-ruoko, mutengesi ari muvakidzani kana shamwari, unofanira formalize munhu Mutengi zvikwereti kutenga motokari pasina kunyoresa anondibatsira. The chimbadzo achava zvishoma kupfuura motokari chikwereti pamwe anondibatsira. Under kubhangi chikwereti anodzika zvinodiwa kuti motokari womuenzaniso gore; zvinofanira kuva "hapana kupfuura" makore 5-8 (nomumwe umbiridzai dzavo zvikwereti mashoko, I kumbotipa rakajairika). Mushure kutenga kubhangi vanofanira kuratidza kuti iwe motokari, uye regai kushandisa mari pane zvimwewo. Upinze PTAs Bank uye gwaro vanyorwa motokari, vashandi kubhangi kuti kuita kopi zvinyorwa, kuti epakutanga zvichaparadzwa vadzoka. Kana ukatenga motokari, kwete kuwira pasi apa zvinodiwa, hapana chakasara kunze sei kuzochera zvake nevatengi chikwereti kana kurumbidzwa okukurumidzira zvinodiwa. The chimbadzo pamusoro chikwereti chigadzirwa rinotanga pa 17-18% paminiti annum inopiwa kuti rubatso.

Kupfuura mukurumbira uye nyore kuvagari vakawanda Russia ndiyo mubhengi chikwereti richengetwe ne Real Estate (mogeji). Izvi imhaka yokuti mubereko prices pamusoro pavo havana kudaro yakasiyana kubaya mutengi zvikwereti (12% pa annum). Mortgages akapa kwenguva refu refu, rumano zvinodiwa kuti solvency uye makore mukwereti. Sezvataurwa Agency kuti Mortgage Lending (AHML), paavhareji vokuRussia kuti mumwe chikwereti kwemakore 17, sokubhadhara kwemakore 10. Asi kunyange mangwanani kuvhara zviri chikwereti overpayment kuwana dzenyeredzi. Vanosungirwa ezvinhu chikwereti: kuvapo basa zvachose, rubatso akawana pfuma, kuongorora uye pfuma inishuwarenzi, kwokutanga kubhadhara 10-15%.

Kana uchida kuchengetedza pamusoro kubhengi mubereko, vanofanira kutarisira hwako chikwereti history, nenguva mari nokuda mwedzi kubhadhara, edza kushandisa imwe chikwereti mune mabhanga imwe kana mbiri yako chikwereti zita chichagadzirirwa. Constant uye yakavimbika anokwereta nemabhangi kupa zvaunoda chikwereti rates aizomubvumira chikwereti mazwi. Tanga yako chikwereti kare anogona kuvhura kadhi sezvo yakavimbika pamahombekombe kuvhura zvikwereti mashoko, pasina mari yakavanzwa. Maererano mepu iri unogona neapo kubhadhara kuitika kutenga uye kubhadhara chikwereti munguva nyasha preiod, pasina kubhadhara mubereko kwemazuva anosvika 50. mabhanga mazhinji "kupa" vakasununguka makadhi mugore rebasa rokutanga.

Chimwe muromo vaya vanoda kuponesa pane kumabhanga - kuedza kutora navo kubhangi, iyo kadhi iwe akatamisa muhoro. Rugwaro muhoro uye bhuku basa kubhengi iwe Zvechokwadi musingadi zvinoda uye kupa zvaunoda mubereko prices pamusoro zvikwereti zvakawanda.