Kana kwete kutora kubva zvikwereti muna 2014? Sberbank - zvose Credits

Zvikwereti - yaizivikanwa basa muupenyu ano. Maererano nenhamba, vanhu vakawanda vanoshandisa kanenge kamwe. Kutenga mufurati, motokari uye nemhuri midziyo yemagetsi nechikwereti - vaya mabasa munhu wese anoziva uye zvinobudirira kushandisa navo, tisingatauri zvisina makadhi kana chikwereti. Pasinei neizvi, vagari nguva dzose simuka nezvazvo kana kuti mubvunzo. Asi chikuru chinhu vose richiri ichi: "Zvinobvumirwa zviripo kuti atore zvikwereti muna 2014?"

Pro uye game

Kuti kuita chinangwa kupima, uye kupindura mubvunzo kana kwete kutora kubva zvikwereti muna 2014, zvinokosha kunzwisisa mashandiro pakururamisa mubereko prices pamusoro kumabhanga. The zvepuraimari chacho chikuru chinoumba - the refinancing mwero Central Bank. Kufarira pamahombekombe chikwereti havagoni kuva pazasi ukoshi ichi. Naizvozvo, kana iri mitengo mwero iri ndima pamwe mwero refinancing, chikwereti mari zvishoma depreciated kuti anokwereta kuva kunobatsira apo kuwedzera zveminda zvakaenzanirana kana kupfuura Central Bank unodiwa.

Vanoshorwa chikwereti anova muzviitiko apo pane Zvinogoneka kuti pachavo kutsiga zvemari kunogona kupera mune ramangwana. Kuronga Long-izwi iri inoitika chete kune mamiriro, iyo anogamuchira wepagore bhajeti nokuda kwegore, inobva Zvaifungidzirwa uye Masvomhu vamwe zviratidzo.

Kana kwete kutora kubva zvikwereti muna 2014?

Mamiriro munyika yedu yakati kugadzikana, pasinei Zvaifungidzirwa pangava dambudziko mushure Olympic Games muna Sochi uye kuwedzera ndima itsva. Chinhu bedzi vanofanira kufunga anogona anokwereta, zviri pachake nokugarika mari dzavo rubvumo.

Zvakakosha kunzwisisa kuti currency of chikwereti chero zvazvingava kunge mari chete. Zvino nokufamba hahuna kuchinja Zvimiso chikwereti kumuka mutengo (pamwe vasanyanye kukosha Ruble).

Izvi zvinoreva zvinotevera: kana mari iri chikwereti akanga wakabudiswa euros kana US madhora, uye mari iwe wanyora mu rubles panguva Gengi ipapo kuwedzera mari chikwereti inowedzera. For anokwereta, ichi chinomirira chimwezve overpayment.

Inopa mari Bank kuti anokwereta?

Sberbank zvikwereti muna 2014 vakawanda. Muzhizha - nguva yezororo, - mari Bank anopa chigadzirwa itsva ine akaderedza chimbadzo (kubva 14,5%). Izvi Mutengi Credits muna 2014 dzinogona kurongwa munzira pamatavi Sberbank. Vari rakapa sechinhu unsecured (kana mubereko prices dzakakwirira - ne 15.5%), uye pasi rubatso vanhu. In pamberi guarantors zviri chikwereti uwandu inogona kusvika mamiriyoni 3 rubles kusvika 60 mwedzi.

Kana kwete kutora kubva zvikwereti muna 2014, somuenzaniso, imwe mogeji? Current gore chikwereti anomukweretesa anoramba sezvo zvinobatsira. Richikwidibira mubereko rate haasi kutarisirwa, sezvo mutengo redzimba richikura. A chikwereti anogona kunzi sezvo rudzi yakavamba urongwa ane ziso yemberi kukosha pfuma. Hongu, zvinokosha overpayment, asi panguva mutsividzo pakati chikwereti, musingadi kuzvinzwa. Kana isu ongorora mutengo kuwedzera okupedzisira makore 14, uchaona kuti mutengo Apartments yakawedzera 2 nguva. Saka pakazosvika nguva mutsividzo chikwereti furati wako achava zviripo mari kuti wabhadhara.

Mortgage duku mhuri

Sberbank kwakasimbiswa rinokosha chikwereti chirongwa - pwere chikwereti kuti mufurati. 2014 vakaita zvimwe zvinhu kuti mamiriro ayo. Kusvikira pakuguma June 2014, pane shoma mubereko prices - kubva 10.5% pagore. Basic chimbadzo kuti chikwereti kubva Sberbank ndiyo 12% pagore nokuda abvumirwa zvivakwa, ivo Developers vakamboratidza vakapinda chibvumirano yokuzvigadzirisa zvivako ayo Sberbank. pamwe kwakadaro kunobatsira zvose - kubhangi anogamuchira anokwereta, uye avo, akavapindurawo, kwakaderedza prices pamusoro zvikwereti mogeji. Zvino yokuvaka akatengesa nokukurumidza sezvinobvira dzose dzokugara mumba itsva.

The chikuru chinoratidza ichi chikwereti chigadzirwa ndiko:

1. Age kwevarume isingasviki makore 35.
2. Mhuri anogona kuva hurumende mazita kuti uvandudze zvipenyu ezvinhu. Hurumende inobhadhara chikamu mutengo makamuri avo matsva.
3. Vakaroorana vanofanira kuva kwakakwana kubhadhara zvikwereti zvemba pamwe mari.

Mvumo kubva Bank achava vanowanzoguma kana tikafunga kwete chete mari yemhuri, asi hama dzavo. Kukwezva sozaomschikov zvinogoneka. The kunonyanyisa nhamba - 4 vanhu. Kana mhuri ine vana, kana gwaro wakabudiswa "wamai guru", zvichaita mikana venyu mogeji.

Other chikwereti zvinogadzirwa

Uye zvakadini zvikwereti motokari? Ndinofanira kutora chikwereti muna 2014 kutenga motokari? Yaitaurwa vachida chikwereti ichi hachisi sezvo simba. Machines, sezvo ichingoshora chaiye wakare, asi isingadhuri pamusoro nguva. Kufarira rate motokari haisi saka yakakwirira uye avhareji siyana kubva 8 kusvika 15%. Vosmiprotsentny chikwereti inogona kutengwa nokuda kutenga motokari itsva imwe motokari dealerships, sezvo yakadaro panyaya iri mutange kudiwa.

A vaifanira 15 kufarira for mumari Bank vanobhadharwa panguva mureza motokari chikwereti chirongwa. mamiriro ake zvikuru vakavimbika. Saka, unogona kutenga motokari kubva private mumwe, kuti unoshandiswa, kana kutenga imwe itsva, asi kubva muchikwata che pezvitsiga zvinodhura. Car mutengo kunofanira kupfuura zviuru 750 rubles.

Naizvozvo, kuti chikwereti kutenga motokari iri nani kuti ape pfupi - kusvika makore matatu. Ipapo overpayment havazokwanisi zvinokosha kufananidzwa kudzikisa mutengo motokari panguva iyi. Gore negore, kushandisa motokari zvinotora pamusoro wayo Kutengeswa kukosha vanenge 10%. Real wakare, nekusiyana, chete anodhura pamusoro nguva. Deredzai wayo mutengo vaongorori regai kufanoona.