Mortgages kuvaka imwe private imba. How kuwana chikwereti: danho nedanho gwaro

Akadaro rwezvemabhengi izwi somunhu chikwereti, kuva chikamu hwedu. Nhasi, ruzhinji vechiduku mhuri kwete zvakakwana kuwana dzimba dzavo pasina rakumbirwa mari. Zvichakadai, vamwe havadi kutenga pedyo bhokisi iri pfumbu masvingo eguta. Kuvaka dzimba dzavo - kupfuura zvinoyevedza chisarudzo. Asi chikwereti kuti pavakwe private imba - chinoshamisa chinokonzera mibvunzo yakawanda. Ngatitaurei edza kunzwisisa navo.

Kuvaka imba kana kutenga akagadzirira akagadzirwa yanyatsosimba kongiri metres muguta?

Kuchinja mumadhorobha dzimba ari oga mumba noruwa - nzira huru rokuponesa pamusoro chazezesa dzinoungana uye kubvisa kunetsa nevavakidzani pamwe chibooreso rusvingo. Uye ichi hachisi zvose zvakanakira munhu pamba. Ngationgororei navo kuitira:

• Hazvina chakavanzika chii pamusoro kwezvakatipoteredza muguta. Zviri nemhosva mbiri okutuka kushandisa mortgages kutenga mufurati, ipapo kubhadhara nezuva chepfu Muchetura uye utsi mudzanga kusingaperi kubva stairwell. The mhepo inofefetera munyika - guru ndinoiitawo vaya hanya utano nezvokunyanya chizvarwa.
• Ndisati kupinda dzimba pamusika, mukamuri kunoitika panguva kumahombekombe enyika 2-3 vanozoshanda. Izvi zvinoita kuti mutengo prohibitive. Price pa sikweya farmhouse ndiyo 2 nguva yakaderera, kunyange kana iwe tora chikwereti chivakwa.
• Kana kuronga musha ndipo kunwisa chinoshamisira. Kuwedzera kumba, unogona kuvaka gazebo, ronga dziva kana dziva. The mufurati - chete kuedza pamwe gadziridzo uye zvokunyaradza nepurani.

Zvokuita kana usina mari?

Kana mhuri yechiduku vakaronga kutamira kubva dzomumaguta kongiri mativi metres musha wavo, chinofanira kuva vakagadzirira zvikuru mari. Construction - nyaya kwete chisingakoshi. Uye kwete mhuri dzose avhareji munyika yedu vanogona kuuya mufaro wakadaro. Ndingaita sei kuwana mari dzavo imba?

Kune nzira dzakawanda:

• kutora chikwereti kuvakwa mudzimba;
• kuti ape hapana-chinangwa chikwereti richengetwe ne zviripo zvivako uye kushandisa mari yokuvaka;
• kuti ape zvikwereti nevatengi.

Funga zvakadzama nzira yokutanga. Ndezvipi nuances uye kunzwisisa chikwereti pachivako? Ndezvipi zvinhu pachena Lenders kuti anokwereta?

mabhanga zvinotaurwa

Mortgages kuvaka imwe private imba - chiitiko nengoziwo kubhengi. Kana chinhu isina kuvakwa, hazvingaiti kuti vaiona zvokunwa. Under anotambudzika ezvinhu, kana akakwereta wacho pakarepo havazokwanisi kubhadhara chikwereti zvakakwana hatingarevi ari Implementation ari rubatso kubhadhara chikwereti, kubhangi havazokwanisi kutengesa zvarongwa pamwe akatanga kuvaka.

Naizvozvo, Lenders vasavimbe kuti mogeji kwakadaro. Ravanopa chete pasi Mamiriro ezvinhu uye zvimwe zvokudya zviri muchimiro rubatso uye / kana vimbiso. Uyewo, mabhengi vari kuisa zvakarurama inoomesera zvinodiwa kuti anokwereta ramangwana. Uyewo kune rubatso. Zvikurukuru, vakawanda vavo zvakafanana nachiremba. Pane chete vamwe nokufamba mukati kana kutungamirira hama kuti zera muganhu kana zvimwe zvinhu zvechadenga nemhosva. Chii parameters anotsanangurwa nokuda nemabhengi? Heano mashomanana zvinhu:

• Nokuti anokwereta uye ayo guarantors - zera, mhando nebasa uye ukuru, nyika uye nzvimbo dzokugara.
• Nokuti rubatso - kukosha, mhando kushandiswa, chitarisiko, pamutemo kuchena, kusavapo encumbrances nedzimwe kurambidzwa zvizere kunakidzwa chinangwa chahwo.

Uyewo, bhengi zvinoda mapepa ari pamberi kwokutanga muripo uye ataure kwakafanira mari inopiwa zvikwereti.

Mari uye chikwereti izwi

Mumwe chikwereti sangano hwakasimbiswa chitsama mbiri crunch. It hakubvi chete pamusoro yemari yacho anokwereta nemhuri yake nhengo, asiwo kukosha rubatso. Kazhinji, webhanga iri nemari mari kuvakwa muna uwandu 20-85% yose inowanwa. Mortgages nokuti kuvaka misha iri rakapa kwenguva 5 kusvika 30 makore. Vamwe mabhanga anogona kupa uye hwakareba. Ipapo anokwereta kuwana takasununguka zvikuru rendi. Zvisinei, zvinokosha kufunga kuti chitsama overpayment semubairo kuchawedzera vakadzikama.

chimbadzo

Sarudza pachine chimbadzo kwakaoma, kunyange kana tiri kutaura pamusoro imwe bhengi. ukoshi ichi hunotsigirwa dzinoverengeka ezvinhu - upenyu, pasi mubhadharo saizi. Vamwe Lenders vanoda kuita discounts kuti vatengi vanenge atova kare anokwereta, kana kuri panguva. Chokwadi, kana tiri kutaura pamusoro murume nehana uyo haabvumiri delinquencies.

Kuderedza chimbadzo kunogona kutarisirwa navaya vanogamuchira mubayiro munyika dzakasarudzwa mubhangi kadhi, uyewo paruzhinji vashandi zvekutepfenyura. Yapera kuvakwa, kana imba zvichabviswa basa uye ichaita, akakweretesa kuchavawo vachida kudzikisa unodiwa. Seiko mabhanga kuenda kubvumira kwakadaro? Chinhu rinonangana pamusoro apa ezvinhu anoratidza rakavimbika yacho nemhosva uye anoderedza ngozi kubhengi.

Kuti tiwane ine kukarukureta, zvakakodzera kushanyira nzvimbo kadhi sangano. Uye "Mortgage" kuwana kodzero chikwereti chirongwa yokuedza vanonzi chikwereti karukureta pakuvaka. Iye achataura anofungidzirwa chimbadzo, rendi uye overpayment.

raida magwaro

Usashamisika mwero pasuru magwaro, zvikuru kupfuura waiti munhu kwakajairika nevatengi zvikwereti. Mortgage kunosanganisira issuance pakati kubhangi wemuno kwenguva yakareba. Uye nguva dzose panjodzi huru kuti chevanorwara zvemari. Kunyange zvakawanda ngozi anonzi kuva chinangwa chaizvo imwe chikwereti - kuvakwa. Zvechokwadi, kune konekwa bhangi anogona kusiya chinhu. Naizvozvo zvakafanira kuti kuunganidza kuda ari chibhakera, kuti vose mapepa uye kubatsira kuwana zvaunoda.

Zvikurukuru kuda magwaro anotevera:

• Mapepa chokuita mukwereti uye ayo guarantors / sozaomschiov - uchapupu nokuzivikanwa, mari, zvinyorwa pamusoro dzidzo uye chinzvimbo. Bank basa - kuona kukwanisa kubhadhara uye mutoro mutengi, saka chiremba anogona kukumbira zvinoverengeka dzokuwedzera certificate.
• Documents pamusoro rubatso. Kazhinji vakawanda kuchengetedzeka ari mazita rubatso hakusi mumaoko vatengi, uye unganidza navo nokukurumidza - hapana nyore. Asi pester Rosreestra uye BTI, vakawanda vanotsvaka nyanzvi rubatsiro.
• Account mashoko nemamwe magwaro, achisimbisa kuvapo kwokutanga mubhadharo.
• House design, yokunyora nokudhirowa, kopi chibvumirano pakuvaka kambani, ari kufungidzira kuti kuvakwa.

anomukweretesa mazwi

Asati zvakaitika 2014 chirongwa yakadai mortgages kuti pavakwe private imba, kwaiva nevakawanda mune mbiri masangano munyika. Nhasi rinopa vashomanana mabhanga. Naizvozvo, isu funga anomukweretesa mamiriro Sberbank muenzaniso. Ari kure zvikuru chokuita kwema dzakadaro:

• Chikwereti mari - rubles Russian chete.
• Chikwereti chitsama - .. peji 300 zviuru, asi kwete kupfuura 75% of kukosha rubatso.
• Down mubhadharo - kubva 25%.
• Chikwereti izwi - kusvika makore 30.
• Interest - kubva 13.25%.

Yose muitiro vachatarira akafanana chaizvoizvo?

Kazhinji, anokwereta kuronga kuwana mari yokuvaka chikwereti, zvakaipa fungidzira yose muitiro. Vazhinji vanovimba pakunamata ane chikumbiro, kana pane magwaro maviri. Kubhangi muchakumbira zvakare kana gwaro kodzero yokushandisa nyika. Uye mukati maawa kana mazuva mashoma, mukwereti achawana maoko enyu pamusoro mari.

Zvinosuruvarisa, zvinhu hazvisi nyore. Mortgages, chero chinangwa hauna wakateverera, kunoda kunyatsoziva cheki yacho anokwereta uye anondibatsira. The Bank anofanira kurerutsa dzingangoitika ngozi zvose nemhosva uye kuti sangano pacharo. Mukuwedzera, inozoshandisirwa kushandiswa mari presupposes kuvapo nhau, uye uwandu pachayo kashoma kuwanika muchimiro mari.

Sei chokwadi anotarira kadhi mutoo ave chikwereti kuvaka imba? Sberbank Somuenzaniso, unogona kupa zvinotevera Zano pamwe pakati mubhangi mutengi;

• Anokwereta inopa magwaro avo uye mapepa guarantors. Panguva iyi, kubhangi anoita chisarudzo pamusoro mukana pamwe chete nemhosva.
• Collection magwaro ari pfuma. Akaunganidzwa zvitupa vanotumwa kubhangi kuti pamutemo zvichiongororwa. Uyewo, tsamba yacho zvinodiwa Bank munyama unhu.
• The pawn rinopfuura iwe Bank abvumirwa yokunyatsoongorora makambani.
• The nemhosva iri mubasa racho kuti kumba, kusaina pakuvaka kondirakiti. The Bank unodiwawo mutengo Zvinofungidzirwa kuti kuona zvaida chikwereti uwandu. Izvi zvinyorwa anokwereta achava kupinda kuvakwa kambani yavo vakasarudzwa, uye ipapo uchatamisa zvemari tsika nenyanzvi.
• Kana zvose yapfuura matanho apera zvinobudirira, mapato endai kwemamiriro chikwereti chibvumirano.
• Construction chikwereti kunosanganisira nokuiswa encumbrances panyika, saka unofanira kupedza imwe nguva iri nyaya dzemapepa muna Rosreestra. Pazuva okutambirwa uchapupu idzva kubhengi anotumira chikamu mari yokuvaka wokutanga.
• The anokwereta inopa mushumo chikamu akaronga kushandiswa chikwereti mari yokutanga.
• The Bank anozivisa chikamu Verengai wechipiri.
• Anokwereta rinopedzisa kuvakwa kweimba uye anoita senzira rakapedzwa pfuma. Pashure paizvozvo, rubatso inova nomunda kuna Real Estate. The chimbadzo pamusoro chikwereti pashure kwarinoenda pamusoro yokuderedza.

Ndingaita sei kuti zvinhu nyore?

Nokuti vakasununguka muripo, vamwe mabhanga vanopa nzira dzakadai kunonosa pamusoro yokubhadhara wechikoro. Anokwereta kwenguva yakareba 3 years, anokwanisa kubhadhara chete mubereko dzakava pamusoro chikwereti uwandu. Izvi zviri nyore chaizvo, akapa zvinobvira mamwe mari panguva kuvakwa, izvo zvinogona zvakasimba yarova pamusoro bhajeti. Mukuwedzera, nokuda kwokuripirwa wechikoro, unogona kushandisa mubereki guru. About ichi chaunogona kuita kubvunza pachine usati kushandisa kuti zvikwereti. Kana chikwereti iri pasi kuvakwa mune dzimwe mabhanga vanoda pasi muripo, zvakare, rinoshandiswa kuti chitupa ichi.

Purpose chikwereti richengetwe ne huripo Real Estate

Izvi mhando anomukweretesa iri ane chikwereti, zvose nemigumisiro yayo. Pamusoro pazvo, akabvuma rubatso pfuma, izvo zvinoreva kuti pamahombekombe ngavaite kuzadziswa chinhu panyaya asiri kuripwa chikwereti.

Zvakanakira anomukweretesa kwakadaro haritsvaki mushumo anogona kunzi kune chinangwa kushandiswa - anokwereta anekodzero dzokurasa mari uri woga. Kunze, sezvo chero chikwereti, iri rinowanikwa zvikuru yakareba.

Pakati minuses - zvakafanana semirwi zvinyorwa pa kunyoresa, uye ya nedanho pokukurukura chikumbiro uye issuance mari. Uyezve, kana akawanda kushandisa zvazvingava inowedzerawo. Zvikurukuru, Lenders vanoda kupa kukodzera kushandiswa hapana anopfuura 50% of kukosha rubatso.

Zvinoita here kugadzirisa chinetso chacho mutengi chikwereti?

Kufungisisa pamusoro ezvinhu chikwereti kuvaka imba, zvake nevatengi chikwereti ingaita sezvinoita nyore nzira yokuwana mari inodiwa. Chokutanga, bhengi haangavi chamber kushandisa mari. Chechipiri, akakwereta havafaniri kuunganidza anoyevedza pasuru kubva zvitupa uye vanosangana dzimwe nzira. The mari anogona kuwana musi musi 2-3 zvinyorwa. Asi nzira iyi ine zvainovhiringidzawo yaro:

• Huwandu kwakajairika zvikwereti kashoma kupfuura mamiriyoni 1,5 rubles.
• Consumer chikwereti anopiwa kwenguva pfupi, kusvikira 5 makore akawanda. Big chikwereti huwandu achinyanyisa kubhadhara huru, izvo vasiri kuwanikwa nemunhu wose. Hongu uye achava mutoro nenzira yakaoma kuvaka nguva.
• Banks yemanyorero kuisa yakakwirira chikamu pamusoro kwakajairika chikwereti. Mortgages munhau iyi kwabva kure mberi. Panzvimbo zvatinosiita 22-24% vane mukana kuwana vanosvika 15% pa annum.

Consumer achiposa sokuti nyore, asi kwete kupfuura kunobatsira nzira kuti zvisipo mari yokuvaka. nezvechisarudzo ichi zvakakodzera vaya vanoronga kuita pakuvaka imba mumatanho, kana uchitova chikamu anodiwa zvokuvakisa. In mhedziso, anogona kuwedzerwa kuti mamiriro ezvinhu mabhanga zvinogona kuchinja kazhinji. Saka, usati vasarudze chero mbiri kupfungwa, vanofanira pachavo bvunza mumwe. Construction chikwereti - kunzwisisa uye refu, asi kuguma unoruramisa basa uye kumirira.