Mortgage kubhengi zvikwereti: zvinodiwa, zvinyorwa uye wongororo

Kutanga itsva chevanhu - mhuri, vakawanda vari kufunga kudiwa mudzimba dzavo. Asi ikozvino kutenga mufurati / imba - zvikuru zvinodhura. Tichifunga izvi, kwete munhu anogona kutenga pachavo kuzadzika kurota. Asi musafunganya! Nokuda kwe mabhanga akadai chikwereti achiposa chigadzirwa, dambudziko pamwe kushaya zvakakodzera mari inogona kugadzirisa.

Banks, chikwereti zvikwereti: Selection zvinodiwa

Kusarudza kutora chikwereti kutenga zvivako, unofanira kutora basa kuti kusarudzwa kupfuura zvakakodzera kupa uye yakavimbika abhadhara. Nepo vamwe mabhanga chikwereti anobatsira dzinounzwa ne pasi kufarira rates, nepo vamwe zvingada nokuzvininipisa kwedu risingamboshandisi pasuru magwaro. Naizvozvo, kuti chaizvo kutaura zvakataurwa chigadzirwa zvichava zvikuru Zvakanyanya Kunaka Panguva Yepamuviri kuti munhu anokwereta, zvakaoma chaizvo. The yeGmail.END_STRONG dzakasarudza kushandisa kubhengi kupa chikwereti, unofanira kusarudza chii chinonyanya kukosha uye yamunenge iye; uye kubvira vanobwembura uyu kusarudza imwe chikwereti.

Kuti zvimwe kuderedza kusarudzwa yakanakisisa yaipa, zvakakodzera kufunga huru pakavakirwa kutarisirwa zvinofanira kubhadharwa pakutanga:

1. rakavimbika kubhengi. ruzivo urwu anogona kuwanikwa chaiyo nhamba.
2. Kuvapo akanaka uye kunaka wongororo.
3. Kufarira prices.
4. Huwandu runodiwa pasi muripo.
5. chikwereti izwi.
6. Kuvapo kana kusavapo dzimwe mari, kusanganisira zvakavanzika (unogona kuwana chete vainyatsoongorora pfungwa yacho chikwereti chibvumirano).
7. Nzira muripo uye t. D.

Kubva pane izvi zvinodiwa, zvichiita kuti kusarudza kupfuura inonakidza pamusoro mabhanga achivaratidza mortgages. Uye pakati pavo - chakakodzera.

Next zvichakurukurwa kuti chikwereti kubhengi zvikwereti yakanaka zvemari kuita, vaiona zvinodiwa zvinokosha zvavo uye zvinhu kuti achibudisa kwezvikwereti.

mari mubhengi

sangano iri zvemari kwave rakava pakati nevaari akadzika chikwereti mufurati. The Bank awana vaitungamirira kuvonga chinzvimbo kuti kupfuura nhamba zvikwereti vakakwereta mari kutenga zvivako. Uye zvichida hazvisi pasina! Pashure pezvose, haana tsika pakatanga makomisheni akavanzika, unoshanda zvakanaka uye yakavimbika. Zvichida zvinoitirwa chikonzero ichi kuti mumari Bank uye akunda chaizvo Wongororo.

Asi haasi munhu wose anogona kuvimba mumwe chikwereti pamwe kubhengi. Saka, sangano akaisa mberi zvimwe zvinodiwa kuti anokwereta. Ivo ndeinotevera:

• Age of nemhosva vanofanira kuva makore 21 okuberekwa panguva kwemamiriro chibvumirano uye kwete anopfuura 75 makore rava kuvharwa basa.
• Basa ruzivo - kwete mwedzi isingasviki mitanhatu panzvimbo imwe uye pasi gore kuti previous 5 makore.

Panguva iyoyowo zvikanzi anofanira kuzviisa magwaro anotevera:

• The yakapera chimiro kuburikidza pamahombekombe remibvunzo.
• Chitupa Gwaro, kureva pasipoti mumwe mugari wenyika Russian Federation.
• Documentation kutsigira zvemari chinhanho kubva anokwereta.

Kana kushuma kubhengi akadzika chikwereti zvikwereti achagutswa mashoko akapiwa, chikumbiro kupa mutengi chikwereti pamusoro akadai (kupfuura kunobatsira chigadzirwa pamwe nehurumende rutsigiro):

• The chimbadzo kuti 11,4% pa annum.
• Chikwereti uwandu kubva 300 000 kusvika 3 000 000 (nokuti nharaunda) uye mamiriyoni 8 rubles (nokuti Moscow uye Moscow nharaunda, St. Petersburg uye Leningrad nharaunda).
• Chikwereti nguva kubvira 12 kusvika 360 mwedzi.
• Chikamu chokutanga 20% mari yakatengwa Real Estate chikwereti.

VTB Bank of Moscow

Kubhangi, chikwereti zvikwereti, akatora nzvimbo yechipiri panyaya dzemari unongotaura. Vakakodzera chikwereti chete kune munhu anonzi ari kupfungwa anogona, kusangana zvinotevera zvinodiwa:

• Aine rupi yeRussian Federation / dzimwe kodzero.
• Anokwereta zera makore 21-60. Panyaya iyi, chikwereti rakavhara nguva rirege kuva makore anopfuura 75.
• Employment munharaunda yacho Russian Federation.
• Shanda ruzivo kubva 1 mwedzi pashure pakupera kutongwa nguva uye 1 gore yose nguva hwake.
• Men pasi makore 27 vanofanira kuzviisa kubhangi magwaro muchiuto kana kuhondo kuti nepodlezhanii.

Unofanira kuzviisa mapepa akadai:

• Identity gwaro.
• Gwaro rechipiri iri sarudzo (SNILS kana rezinesi rokutyaira kana zvechiuto ID kana zvechiuto ID kadhi, kana seaman kuti pasipoti).
• Documents achisimbisa kwerunyararo basa uye mari.

chikwereti mamiriro mune iyi ichava (chigadzirwa pamwe nehurumende rutsigiro):

• The chimbadzo pamusoro 11.15% pa annum.
• The chikwereti Huwandu 500 zviuru rubles.
• chikwereti izwi kusvika 360 mwedzi.
• Prepayment 20%.

Gazprombank

Munguva ichangopfuura, chikwereti nemabhangi zvikwereti yakapiwa yakavakirwa pachena rutsigiro. No Kunze pano uye Gazprombank. Anopa zvikuru akanaka chikwereti kutenga mufurati anotevera ezvinhu:

1. The chimbadzo pamusoro 8,85% pa annum.
2. Chikwereti chitsama kusvika 3 (nokuti dzimwe nzvimbo - 8) miriyoni rubles.
3. The achirumbidza nguva anosvika 360 mwedzi.
4. Prepayment 20%.

VTB 24

Sezvataurwa pamusoro apa, pemahombekombe kuti zvinopa chikwereti chikwereti, vane dzavo zvakanakira nekuipira. Zvichida wakatangwa muna VTB 24, mamiriro ezvinhu achava vazhinji kupfuura randaifarira. Uye vari:

• The chimbadzo kuti 11,4% pa annum.
• Chikwereti chitsama 600 000-8 000 000.
• achirumbidza nguva 12-360 mwedzi.
• Kuwanikwa pachake mari kuburikidza 20%.

FK "Opening"

Wechishanu nechinzvimbo pamusoro zvemari chinhanho ari kuera, izvo vanoumba nemabhangi kuti anopa chikwereti, akatora "Kutanga" Bank. chikwereti chake mashoko ndeinotevera:

• The chimbadzo pamusoro 11.3% pa annum.
• Chikwereti mari kubva 625,000 kusvika mamiriyoni 75 rubles kumatunhu uye mamiriyoni 150 rubles nokuda Moscow, kuMoscow nharaunda, St. Petersburg uye Leningrad nharaunda.
• achirumbidza nguva 60-360 mwedzi.
• Kuvapo kwokutanga kubhadhara 20 kusvika 80% of mutengo pokugara.

Rosselkhozbank

Izvi sangano zvemari iri yechitanhatu mutsetse rating, inopa zvikwereti kuti zvivako kutenga anotevera ezvinhu:

• The chimbadzo pamusoro 11.3% pa annum.
• Chikwereti uwandu kubva 100 000 kusvika 3 000 000 kumatunhu uye 8 mamiriyoni - nokuti Moscow, kuMoscow nharaunda, St. Petersburg uye Leningrad nharaunda.
• Rokuti achirumbidza 1-360 mwedzi.
• Chikamu chokutanga 20% of mutengo mufurati / imba.

Above kupfuura kunobatsira uye yakavimbika chikwereti mabhanga vaionekwa. Kuti vawane chikwereti kutenga zvivako mune imwe sangano vanofanira kusvitsa zvimwe zvinodiwa uye muzviise pasi zvimwe zvinyorwa.

Sezvo inogona kunzwisiswa zvinodiwa vakawanda mabhanga, inonyanyoshandiswa akasangana ndiwo mamiriro ezvinhu kuti anokwereta:

• Age pakati 21 uye 75 makore panguva zvizere pakazovharwa chikwereti.
• Russian citizenship.
• Kuvapo basa ruzivo kwegore.

Documents zvinodiwa ichi ndeinotevera:

• Chitupa gwaro (kureva yokuRussia pasipoti).
• Rimwezve gwaro kubva pamazita inopiwa pamahombekombe.
• Documents kusimbisa basa uye mari zvachose.

Zvisinei, izvi hazvina kukwana kuwana chikwereti. Kune nuances dzakawanda, izvo zvinogona kuwanikwa kureva yasarudzwa kubhengi bazi.