Mortgage anomukweretesa. Mune zvimwe zviitiko, kubhangi anotumira chiziviso kugumisa chibvumirano

To musi, achiposa iri hafu zvakaparara chero bhengi. nhamba A kukura pamusoro zvikwereti masangano, uye pamwechete navo makwikwi. bhangi nomumwe anoisa mapurogiramu mberi siyana anokwezva kufarira prices uye mazwi. Nhasi, mhuri dzose wechipiri ane chikwereti wazvipira - zviri chinokosha muupenyu ano. Kune siyana marudzi zvikwereti nevatengi: repair zvikwereti, nhumbi mu Yakabudiswa, mortgages.

Nemhaka chikwereti unogona kutenga zvivako, zvose nesekondari pamisika. Asi mubereko rate iri mortgages mu Russia chaizvo uye havasi vose vanogona kuuya (kubvira 10 kusvika 16.5%), mukusiyana kuEurope, uko avhareji mwero iri 4 chete%. Kuwedzera kutifadza rinofanirawo zvimiso chero kubhengi - uyu mupiro 10%, rubatso, mari yechibatiso Wana kwokutanga kana nhaka pfuma uye inishuwarenzi zvairayirwa. Kana asiri muripo uye paumbwe chikwereti guru kubhangi anogona kutumira hanya kugumiswa kondirakiti. Chokwadi, dzimba munyika ino kwazvo, uye zvose zvangu upenyu kutora mari womumwe furati haadi - kutungamirirwa ichi, vamwe vagari, kwete kuenderana yavanowana, mutoro pachavo pamwe chikwereti, uye zvadaro zviroto zvavo zvose zviri kuparara akafanana matchbox.

Mutemo Russian zvakajeka chirongwa issuance uye mutsividzo mashoko chikwereti, asi, pasinei izvi Lenders vane kodzero sarudza zvinodiwa zvavo kuti anokwereta. Asati kutora mari vamwe vanhu, mukwereti zvinofanira Nyatsoziva ose mashoko ezvinhu (chibvumirano) vanyatsohuongorora, kumbira mushandi kuverenga muripo purogiramu, tsvaka chii basa uye marangirwo vari kuzviuru pane kunonoka muripo, uye kujekesa nyaya mukana mangwanani mutsividzo (mune dzimwe mabhanga yakamira moratorium pamusoro mangwanani kuvhara chikwereti).

Zvikonzero kugumiswa chibvumirano

Kugumiswa mbiri chibvumirano pamahombekombe panyaya pakutengeswa chikwereti Real Estate, hazvibviri kuti mari iri chikwereti nhoroondo. Panyaya iyi, kubhangi anofanira kutumira hanya kugumiswa chibvumirano kusvika anokwereta kana kumunyevera nomuromo. Kana nokusabvumirana rimwe bato kugumisa chibvumirano, mumwe bato angashanda kudare. Usati kusaina magwaro, mukwereti anofanira kuziva paurongwa muripo uye kukwanisa kubvisa chikwereti chibvumirano, zvikasadaro zvichakutungamirira kune huru zvemari nezvinhu zviri anokwereta.

Uyewo kugumisa chibvumirano kuti chikwereti akaita zvaipesana nokubatira mapato. Kana vaviri achazvitsvakira nekuyanana uye yakawiriranwa chibvumirano ndichakuita yakabvumira kugadziriswa kwemutemo wekuita zvakakodzera kuti chibvumirano, ipapo kugumiswa kondirakiti haina kunodiwa, uye haina kurasikirwa ukoshi hwayo. Bank kusauka hachisi chikonzero chikuru kugumiswa kondirakiti. Panoperera ichi chikwereti sangano anofanira kutumira hanya kugumiswa mutengi kondirakiti. Kana izvi zvikasaitika, akakwereta anogona kushandisa kuti Court, izvo zvichaita kuti chisarudzo chakanakisisa - kwete chinyatsotsanangurwa mitemo yakajeka panyaya iyi iri mutemo.

Kazhinji, asi initiator pakati kugumiswa mbiri kupfungwa vachida, asi pane zviitiko apo akakwereta zvinoshanda Bank kuti Kudzimwa chesungano. Kana ukaona kuti kubhangi iri pakaputsika chikwereti chibvumirano kana vamwe chinoshamisa chikonzero iwe anotumira chiziviso kugumisa chibvumirano, zviri nani kuti kukumbira rubatsiro kambani okugadzirisa nyaya dzakadaro, iro achakwanisa kunzwisisa kusimba nyaya iyi. Makambani aya dzidzira mune chikwereti kugadzirisa uye kunyange kutenga pfuma, yaiva wakanyengwa kubhengi.

Kana anokwereta nokuda isingazivikanwi nguva haisi kukwanisa kubhadhara chikwereti, anofanira kukurumidza kuudza Bank kuitira kudzivisa Zvirango. Unogona kupiwa akawanda kusarudza kugadzirisa dambudziko: racho kugadzirisa chikwereti kana kugumiswa kondirakiti.