Ndinogona kuwana chikwereti pasina pasi mubhadharo iri mari Bank?

Mortgage chikwereti - ratova inonyanya chimiro pamba kutenga. Zvisinei, sezvo mutemo, kwokutanga kuwanda inodiwa nokuda kwezvikwereti pekugara. Maererano huripo zvirongwa chikwereti anomukweretesa Sberbank kuwana zvikwereti zvakakodzera kuti 15-25% of mutengo pokugara. Mhuri vasina mari, Chokwadi, vari kushamisika kuti unogona kuwana chikwereti pasina pasi mubhadharo iri mari Bank.

How kuwana mogeji pasina mubhadharo

Sezvineiwo, hapana Sberbank dzimba zvikwereti pasina kwokutanga Investments, uye ichi zvinonzwisisika. Banks havadi pangozi kupa chikwereti yose kukosha pfuma. Pashure pezvose, kana kukundikana hazvingaiti kuti pekugara uchatengesa panguva okisheni pa musika mutengo.

Kunyange zvakadaro, pane nzira sei kuwana chikwereti pasina pasi mubhadharo iri mari Bank:

• yeUnited chikwereti chirongwa vechidiki mhuri;
• chikwereti rwaamai guta;
• refinancing;
• uto mogeji.

Federal mogeji chirongwa

State chirongwa kutsigira vaduku mhuri zvinoita kuti tikwanise kuwana chikwereti pasina pasi mubhadharo iri mari Bank. Mwari akaronga kuti vakaroorana apo mumwe wako kana kuti vose hapana mukuru kupfuura makore 35. Uyewo, nokuti mubereki chete nemwana (pamwe chete nemamiriro). Mhuri inofanira kuva inokosha Pamazita kunatsa dzimba ezvinhu.

Pasi mashoko chirongwa ichi, chakavakirwa subsidy kubva neHurumende uwandu 35% kana 40% kuti mari kutenga dzimba. Muna 2016 iri subsidy kuchaita kwakafanana vanenge miriyoni imwe rubles, kana mhuri ine vana vaviri, 800 zviuru rubles kuti mhuri ine mwana mumwe, 600 zviuru, kana pane asina vana. Izvi mamiriro rubatsiro, unogona kushandisa pane yepakutanga mari.

Kana mhuri asangana zvinodiwa chirongwa nyora "Kupa dzimba vaduku mhuri", ichava nzira yakanakisisa kuti mumwe chikwereti pasina pasi mubhadharo iri mari Bank. The chimbadzo pamusoro chikwereti kuchaita kwakafanana 10.5% chete annum, kuti chikwereti mari - kusvika mamiriyoni 8 rubles, kuti chikwereti izwi - kusvika makore 30.

Mortgages vane rwaamai guta

Munogonawo kutora chikwereti pasina pasi mubhadharo - kushandisa maternity guru pane mari. Ukadaro unogona kushandisa kutenga somunhu dzimba chesekondari, nemafurati muzvivako zvitsva uye muzvivako pasi kuvakwa. Maternity mari makuru anofanira kufukidza kanenge 15% mari yakatengwa pedyo redzimba chikwereti.

chikwereti izwi, sezvo dzimwe zvirongwa dzakawanda - kusvika makore 30. chikwereti saizi yemakomo kubva 300 zviuru mamiriyoni 15 rubles. The interest - kubva 12,5% pa annum.

pfungwa iyi ndiyo inonyanya kufarirwa dzose nzira kuwana chikwereti pasina pasi mubhadharo iri mari Bank. Reviews vanoti zviri chaizvo.

uto Mortgage

Aigovera chete vechikamu chaiwo ezvinhu kupa servicemen pamwe dzimba. Pasi pechirongwa ichi vanogona kutenga pokugara pasi kuvakwa, uyewo Apartments, chokugara imba pamwe nenyika, Apartments kana townhouses vari pamusika dzisiri.

Izvi dzimba chikwereti - Zvinogoneka chaicho reuto kutora chikwereti pasina pasi mubhadharo iri mari Bank. Pasi pechirongwa emauto chikwereti inogona kuwana mari kusvika mamiriyoni 1.9 rubles kwemakore anosvika 15.

mogeji refinancing

Service refinancing zvikwereti rakanyatsojeka zvakapararira mazuva ano. Mukuwedzera izvozvo kunoita kuti vawane vasununguka achiposa mashoko, zviri mukanawo kuwana chikwereti pasina pasi mubhadharo iri mari Bank. Reviews vanoshandisa basa iri kazhinji zvakanaka. Izvi zvinonzwisisika, nokuti kana anokweretesa vatengi kuwana chikwereti ari mabhengi pakukura nyika kwemakore 30 pane kutengeserana yevanhu 13,75% pa annum pamwe nyore mubhadharo mazwi.

Kana ichi, refinancing - mumwe mashoma nzira kuti sei kuwana chikwereti pasina pasi mubhadharo iri mari Bank mumwe munhu.

Zvinodiwa Kuti anokwereta

Vatengi achida kutora chikwereti pasina pasi mubhadharo muna mumari Bank inofanira kusvitsa zvimwe zvinodiwa:

• zera kubva pamakore 21 kusvika nemakore 75 (vaduku mhuri - kusvika makore 35, anokwereta pasina mari ongororo - kusvika makore 65);
• zvachose chiitiko gore rimwe, ya okupedzisira mwedzi dzinenge mitanhatu;
• varume pasi pemakore 27 okuberekwa havafaniri kuva pasi kuzvipfuudza.

kuti zvechokwadi wakare zvinodiwa

Vawana pfuma hakufaniri kunyengwa tsitsi kumapati rechitatu. vaiva zvinofanira zvanyoreswa zviri pamutemo Russian Register nhengo.

Panewo zvinodiwa kuti rakasiyana-siyana zvechokwadi wemunda.

Kana tiri kutaura pamusoro kuvaka chinhu:

• pfeka haafaniri kupfuudza 40%;
• zera - isingasviki makore 45;
• shanu kana kupfuura pamapuriro;
• mamiriro anofanira asiri chimbichimbi;
• imba yemapuranga haasi asina yemauto;
• bindepinde zvakavhenganiswa, simbi kana concrete;
• nheyo zvidhina, Tile kana concrete;
• nzvimbo mumusha pamwe magetsi bazi mari Bank.

Apartment:

• raida magetsi, kudziyisa, mvura;
• zvisingagamuchirwi bhesimendi uye Uriri;
• redevelopment inofanira pamutemo;
• takaparadzana kicheni uye kuchimbuzi;
• madhoo, mawindo, denga uye pombi zviri undamaged.

Residential imba iyo;

• nzvimbo mumusha ane dzakabudirira kwezvivako ezvinhu, imwe nhamba anofanira dzimwe dzimba;
• pamukova weimba uye mukana agare yose gore;
• raida simba PAKAPERA hurongwa, kudziyisa, mvura, kukurukurirana zvose;
• tambira Tile, zvidhina, simende kana kongiri hwaro;
• mhando kushandiswa pfuma magwaro - nomumwe pekugara kuvaka kana dacha kuvakwa;
• konekwa zvinhu zvinofanira kha Regpalate.

The pasuru magwaro

munhu anoda kubetserwa magwaro:

• Profile of dzinongoitika munhu kana entrepreneur kuti chikwereti;
• pasipoti anokwereta, mwenga (s), co-anokwereta;
• mumwe muchato kana okuti yeGmail.END_STRONG hakusi kuroorwa;
• zvekuzvarwa kwevana;
• nerimwe co-anokwereta vanoda uchapupu ukama;
• chitupa basa;
• kunyora paavhareji pamwedzi mari yokupedzisira mwedzi mitanhatu;
• chitupa nokuti matkapitala uye gwaro kubva mudyandigere Fund, achisimbisa vakasara kwayo.

Documents pamusoro vawana pfuma:

• zvinyorwa kusimbisa uridzi;
• zvinyorwa-zvigadziko kodzero pfuma;
• mushoma kubva vabatane State Register kuti pfuma isina kuvaremedza rubatso;
• yakazvimirira tinyatsonzwisisa kukosha Real Estate;
• cadastral zvekushandisa pasipoti;
• kupedza pakati kuitarisira;
• mvumo kubva (s) mwenga kuti kunyoresa rubatso.

Documents pamusoro nomunda uye private imba:

• Documents pamusoro pfuma;
• zvinyorwa-hwaro pamusoro pfuma;
• rekisteröidy uye hwokugadzira pasipoti kumba ;
• zvinyorwa kuti kuvakwa muna mberi (kana);
• mushoma kubva vabatane State Register kuti nyika uye imba haina vakaisa;
• cadastral pasipoti yenyika;
• yera kumusika kukosha panyika uye imba, chinoitwa yakazvimirira nyanzvi;
• mvumo kubva (s) naye kuti kuchinjwa rubatso kumahombekombe panyika uye zvivako payo;
• rugwaro kubva dhipatimendi muchitokisi uye kuitarisira pamusoro mukana anondibatsira.

Saka, zvinobvira kutenga zvivako pasina epakutanga mari haana kuwanikwa zvose. Kuti chaizvo kana unogona kuwana chikwereti pasina pasi mubhadharo muna Sberbank Kunyanya nemhosva, achida kuva munhu nyaya kubhengi nebazi kuti zano nyanzvi.