Mortgage: kukura kukuru

Chikwata chevanhu vazhinji vekugara kwenyika yedu ndicho choga chokutenga nzvimbo yavo yekugara. Iko kunofungidzirwa kuti yakagadzirwa kwenguva refu yebhangi, iyo inosanganiswa nehupenyu hwehutano hwakasiyana-siyana. Kazhinji kwemakore gumi nemashanu, chikwereti chinopiwa. Kukura kwakanyanya mubhangi rimwe nerimwe kwakasiyana. Zvakakosha kusarudza nguva yakakodzera yekubhadhara zvakakwana mari yekubhadhara pasina kunonoka.

Pfungwa ye

Ndeipi izwi rechibhadharo? Ino ndiyo nguva yakagamuchirwa, panguva iyo muteresi anofanira kubhadhara mari yeimba nechinangwa. Ruzivo rwakadaro runoratidzwa muchibvumirano chechikwereti. Mutengi anogona kuzvisarudzira achisarudza nguva iyo chikwereti chichagadzirwa. Kukura kukuru kunowanzove kwakakura zvikuru.

Maererano nemitemo yebhangi, shorter the term, less the overpayment. Kubhadharwa pamashoko mashomanana zvakakura kwazvo, izvo zvinokonzera njodzi yekusabhadhara kana akwereta ane matambudziko. Kunyangwe mune mari yakaoma, iwe unofanirwa kuve nechokwadi, kureva, kutora chikwereti kwenguva yakareba. Kana mari yacho yakakwana, iwe unogona kubhadhara chikwereti pane purogiramu, kuchengetedza pane chido.

Bhengi dzinopa chii?

Kana zvakakosha kugadzirisa zvikwereti zveimba, iwe unofanirwa kuziva kuti mari yakawanda yeRussia inokweretesa. Ndeipi iyo nguva yakareba yekubhadhara mari muSberbank? Ane makore makumi matatu nemashanu. Uye yakaiswa pazvinenge zvose mapurogiramu. Kana ukasarudza nguva yakareba yekutora chikwereti muSberbank, uyewo uchibhadhara pasina kubhadharwa kwekare, ipapo kubhadharira kuchave kwakakura. Saka, zvakakosha kufungisisa zvisati zvanyorwa.

Mamwe mabhengi anewo huwandu hwekutengesa nguva. VTB 24 inopa kubhadhara zvikwereti zvemba kusvika makore makumi mashanu. Hasi zvikwereti zvose zvekwereti zvinopa mamiriro akadaro. Zvirongwa izvi zvakagadzirirwa vadzidzisi vechiduku uye vabereki vaduku vane makore 25-35, nokuti vanobatsira kuwana mari yacho kutenga zvigadziri pamutengo wakanaka.

Ndeipi iyo nguva yakareba yezvikwereti mune mamwe mabhanga? Dzimwe hurumende dzinopa kubhadhara chikwereti kusvika makore 30-35. Mune "Raiffeisenbank", "Promsvyazbank" zvakare yakabudisa chikwereti. Kukura kukuru kune makore 25. Mu "Rosselkhozbank" uye "Gazprombank" ane makore makumi matatu.

Betting

Zvichienderana neshoko, muzinga unogona kuchinja. Mumabhangi eRussia, iyo inosvika kubva pa11 kusvika ku16%. Kukura kwaro kuchave kwakakura kana pasina kubhadhara. Uyewo kune mapurogiramu edzimba, iyo iwe unofanirwa kupa huwandu hwemashoko. Zvadaro mutengo unogona kubva kubva ku18%. Nokubatanidzwa muhurongwa hwehurumende, zvichave zvichibvira kuwana mari yekubhadhara chikwereti chekuderera kwechikwereti che8-14%.

Zvinoda

Kuti uite chikwereti, iwe unofanira kusangana nezvimwe zvinoda:

• Age kubva pamakore makumi maviri nemashanu;
• Citizenship of the Russian Federation;
• Kuwanika kwemari yepamutemo;
• Kunyora pamberi pemakore ekurega basa;
• Nguva yekubhadhara kwechikamu chekupedzisira haisi makore anopfuura makumi manomwe.

Zvido zvinogona kusiyana kubva kubhangi kusvika kubhangi. Dzimwe nguva unoda kusimbisa zvakaitika kune mwedzi mitanhatu mubasa rekupedzisira. Kana muchengeti ane pfuma, ipapo ichabatsira kuronga chikwereti. Imba iyo inoshandiswa sezvikwata.

Chimwe chikwereti chinokosha chinodiwa ndechimwe chikwereti chenhoroondo. Kana zvikwereti zvaimbobhadharwa, asi zvisingabhadharwi munguva yakatarwa, pangave nekuramba. Kusavapo kwenyaya yakadaro kunogonawo kutungamirira mukuramba kurongwa. Kakawanda, garantor inodiwa, kuitira kuti pamusana pokusabhadhara chikwereti, vanopfuura kwaari.

Pasinei nenguva yakasarudzwa, zvirongwa zvizhinji zvinoda kubhadhara chikamu chekutanga. Inogona kuva mukati me10-25% yemutengo weimba. Inowanzodiwa kuti uve nehumwe huwandu hwekuwana mari, somuenzaniso, kubva pamabhiri zviuru makumi maviri nezvishanu. Iyo yakakwirira yehuwandu hwemari, inowedzera mikana yekuwana chikwereti uye yakakwirira mari yacho inopiwa. Mimwe mhando yemari inotorwa munyaya yacho: kubva kumabhizimisi, pasi-basa, kubhadhara dzimba.

Nguva shoma

Mari yekubhadhara chikwereti inobviswa kwegore rimwe chete. Mukuita, chikwereti chegore negore hachina kushandiswa. Zvikonzero zvinosanganisira:

• Zvipo zvakakura;
• High rates;
• Kupa vimbiso yemari kudzokera zvakare.

Kana pane mari inogara iripo uye yakakwirira, ipapo kugamuchira chikwereti chinoshaya unogona kutora chikwereti chevatengi. Kukanganisa kwekontrakiti yenguva pfupi ndiko kuoma mukugadzirisa purogiramu uye kushandisa mari yekutanga. Anokwereta anofanira kuripa mari yakawanda mwedzi mumwe nomumwe.

Mitambo inofanirwa kufungisisa:

• Njodzi yekuwana mari inopera;
• Mikana yekurasikirwa nebasa;
• Kuwedzera mari;
• Kushaikwa kwekuwana mari;
• Inflation.

Pasi pemamiriro ezvinhu aya, zvakaoma kubhadhara. Nokudaro, inofanira kuongororwa pakuronga chibvumirano. Kuita chisarudzo purogiramu yekubhadhara kuchakanganisa chikwereti chenhoroondo, ndicho chikonzero zvisingaiti kuti kuchave nekugamuchirwa kwezvidzidzo munguva yemberi. Kuti kuderedza ngozi, mabhangi anopa inshuwarisi.

Ndinofanira kusarudza nguva yakareba sei?

Iyi nyaya inofadza kune vakawanda vakwereta. Ivhareji yenguva ndeye makore gumi nemashanu. Sezvaunogona kuona kubva kuhuwandu, izvi zvakakwana kubhadhara chikwereti. Kuenzaniswa nevashambadzi veMadokero neAmerica vanobhadhara chikwereti kwenguva yakareba, vokuRussia vanosarudza kukurumidza kubvisa chikwereti. Izvo zvikonzero zvinowanikwa muhope - muUnited States chiyero chiri 1-2%, asi muRussia chiyero chiri 12-15%, saka makore anopfuura makumi matatu, zvikwereti zvakawanda zvinowanikwa. Izvi zvakasiyana munyika dzakasiyana-siyana.

Iyo yakakura kukura inobvumira wakwereta kusarudza nguva inoda. Mazano anotevera anofanira kufungwa nezvawo:

• Dambudziko rekurumidza kunonoka pamashoko mashomanana rakakwirira kana mamiriro emari ari kuwedzera;
• Kusarudza nguva yakareba, chikwereti chinogona kubhadharwa nguva isati yasvika nezvikamu zvishoma, kuderedza kushandiswa kwekupedzisira kwekubhadhara;
• Mutero wokutanga ikozvino mumabhanki akawanda wakaitwa pasina mari uye kumisheni.

Kubhadharwa kwepamusoro pamashoko akasiyana

Icho chinotarisa kuti nguva yakareba yekwereti muRussia mubhangi rimwe nerimwe yakasiyana. Kana ukasarudza nguva yakareba, kubhadharwa kwacho kuchava kukuru. Somuenzaniso, kana ukakwereta mamiriyoni 1 rubles kwemakore mashanu pa13%, ipapo kubhadharira kuchava 360,000 rubles.

Kana chibvumirano chikagadzirwa kwemakore gumi nemashanu, kubhadharwa kuchava mamiriyoni 1,3 rubles, uye iyo ichava 13.5%. Somugumisiro, kuwana chikwereti chiri nani pane nguva shoma. Panguva imwe chete, munhu anofanira kufunga nezvemamiriro ake emari asati aita chikwereti. Kukura kukuru kunogona kusarudzwa, asi unofanira kuedza kubhadhara mberi kwepurogiramu.

Mutengo wokutanga

Kubhadhara mangwanani kune nani pakutanga kwetambo kana pane zvikamu. Muchiitiko ichi, iwe unoda kuderedza chikwereti chechikwereti chikuru, sezvo chikwereti chiri kutengeswa pachiyero. Muchikamu chechipiri chebhadharo, kubhadharwa kwekutanga hakuzovi pachena.

Kana zvichizivikanwa kuti kuchava nekubhadharwa kwekutanga, somuenzaniso, mushure mekugamuchira mari yekuberekwa kana kutsigira mhuri yechidiki, zvakakosha kuronga chikwereti kwenguva pfupi. Nguva yekubhadhara inofanira kusarudzwa maererano nemamiriro chaiwo emari.

Kuchinja purogiramu yekubhadhara

Zvizhinji zvekufarira zvinowanikwa pakutanga kwekunyora, uye ipapo chikwereti chikuru chinobhadharwa. Mabhangi eRussia anowanzoita annuity zvipo. Kutanga kuripa chikwereti, uye ipapo chikwereti. Kana kubhadhara kwokutanga kuchiitwa, ipapo chikwereti chinoshanduka kuchinja. Pokubhadhara chikamu chikamu chebhadharo chinoshanduka.

Kazhinji vatengi vanopiwa:

• Kugadziriswa kwemukwereti wechikwereti, uye kubhadhara kunoramba kuchifanana;
• Deredza mutengo, uchisiya nhamba yemwedzi.

Nebhadharo yekutanga, iyo inobatsira zvikuru - kuderedza munguva kana kuti mari? Muchiitiko chekutanga, mutoro wemwedzi wega wega hausi kuderedzwa, uye chido chichava chiduku pamusana penguva pfupi. Chinhu chechipiri chisarudzo chinosanganisira kuderedza mwedzi pamwedzi.

Nguva ipi iyo kuderedzwa kwepanguva kunobatsira?

Kutenda nekubhadhara kwokutanga kwemazana makumi mashanu kusvika ku1000 rubles, iyo izwi kwemwedzi inoverengeka yakaderedzwa. Kana iwe uchiverenga zvinhu zvose pamutengi wekukweretesa, ipapo neye-nguva imwe chete yekubhadhara kare, kuderedzwa kwenguva kunobatsira. Sezvo chikwereti chekubhadhara chichave chakafanana, kubhadharwa kuripo kuchava kuduku.

Nyanzvi dzinokurudzira kuita chikwereti kwenguva yakareba, uye kana zvichikwanisika, itai mari pane imwe nguva. Izvi zvichachengetedza dzimba, kunyange kana zvidhiri zvishoma. Sarudza kuti zvakanakire sei kubhadhara chikwereti, mberi kwepurogiramu kana kwete, zvinofanira kunge zvichienderana nemamiriro avo ezvinhu. Zvakakosha kufungidzira kuwedzera kwezvinhu, kuti mari inoderedza sei. Pakureba kwakakurudzirwa kuti tisabhadhara chikwereti mberi kwepurogiramu, asi kutenga zvigadzirwa.

Ndezvipi zviri nani kubhadhara kare?

Kana iyo chikwereti ichigadzirwa kwenguva yakareba, zviri nani kusarudza kudzorera kwokutanga mugore rokutanga. Izvi zvichaponesa zvakawanda. Kana pasina mari yakashata yekubhadhara, zvinodiwa kubvisa chikwereti semamiriro ezvinhu uye chibvumirano nebhangi chichibvumira. Somuenzaniso, Sberbank inogadza kuti kubhadhara kwokutanga kunobvira mushure memwedzi mitatu mushure mekubhadhara kwekutanga, sezvo zvisingabatsiri kuti zvibhadzwe nokukurumidza. Dzimwe mabhengi angave ane zvaanoda. Asi iyo inokurumidza chikwereti, iyo inowedzera kuponesa pane chido.