Nzira yekubhadhara zvikwereti muSberbank mberi kwepurogiramu: tsanangudzo yenzira uye mazano

Kwete sangano rose rinoita semunhu ane chikwereti rinopa kudzorera kwokutanga kwemari yacho. Vatengi veSberbank ndivo vane ruzivo: rinobvumira, kana zvichidiwa, kuti vatsive chikwereti chose chechikwereti kana chikamu chayo. Kuti uite basa racho, akakwereta achada kushanyira hofisi yebasa uye kubvunza nyanzvi mukukwereta kuvanhu. Mushure mokuzadza mapepa, chibvumirano chacho chinopera kana zvikamu zvaro zvinoshandurwa (purogiramu yekubhadhara). Kuti udzivise chero matambudziko muhuwandu, iwe unofanirwa kuziva kuti ungadzorera sei chikwereti kare kare muBhengi Savings.

Tarisa pachibvumirano chechikwereti

Sarudza zviito zvekubhadhara kwokutanga kwechikwereti zvichabatsira chibvumirano nebhangi, yakagadzirirwa panguva yainoitwa. Chibvumirano chichajekesa nzira inoshandiswa kuverenga kubhadhara kwemwedzi: annuity kana kusiyana. Nzira yekutanga inoratidzirwa nemimwe michero yakakurudzirwa kubhadhara chikwereti. Zviri nyore kuziva nekuzvimiririra: kana mutero wemwedzi wega wega unotarisirwa pamutengo wakatarwa, ipapo chikwereti ndeyegore.

Kusiyana kwemitero haisi kusingagumi. Mwedzi woga woga vanochinja, zvishoma nezvishoma kuderera. Semuenzaniso, pakutanga kwekwereta, mutengi anobhadhara mabhanga 600 rubles, uye pakupera - 400. Kufarira kunowirawo zvishoma nezvishoma, asi chikwereti chikwereti chikuru chakanyorwa muzvikamu zvakaenzana.

Pamusoro pekusiyanisa uye kubhadhara mari

Kuti unzwisise nzira yekubhadhara zvakakwana chikwereti nguva isati yapfuura muBhengi Savings, unoda kunzwisisa chinangwa chekuumbwa kwemipiro yemwedzi. Somuenzaniso, kuburikidza nekubhadhara mari yakweretwa kubhangi nenzira ye annuity, mutengi anonyora kune zvinotevera:

• Mwedzi wega wega inofanirwa kubhadhara mari yakafanana yekwereti yose;
• Kubhadhara kunosanganisira chikamu chechikwereti chikuru uye chikwereti chinowanikwa mwedzi wega wega chikwereti chakazara;
• Vazhinji vavo vanobhadharwa muhafu yekutanga yeshoko rechibvumirano.

Somugumisiro, chikwereti chemari yakakwereta inobhadharwa chete pamari yekupedzisira. Nokudaro, "rega" chikwereti ichibatsira zvikuru muhafu yekutanga yeshoko rechibvumirano, apo bhangi risati rawana kubva kune vateereri vakawanda vevanofarira.

Ne nzira yakasiyana-siyana yekubhadhara chikwereti, mwedzi miviri yezvikamu zvinopesana muhuwandu. Izvo zviyero zvechikwereti chikuru, kuwira pa 1 nguva yekubhadhara, uye kufarira. Iyo yekupedzisira haina kuverengwa pamutengo wose wemari, asi pachiyero chayo. Iyi nzira yekubhadhara chikwereti inobatsira zvikuru kune akakwereta - kubhadhara zvakanyanya kudarika.

General conditions

Ndingabhadhara sei zvikwereti muSberbank mberi kwepurogiramu? Pane huwandu hwezvinoda huchafanira kusangana kuitira kuti uite kuverenga. Bhizinesi harisi kupa zvinodiwa kumutengo unoshandiswa wekubhadhara, hazvibvumire zvose zviripo zvishoma uye zvakakwana. Mukuwedzera, akakwereta haazobhadhari chikwereti chekubhadhara kwokutanga.

Chiito chakakosha chemukwereti kana "kuvharwa" kwechikwereti kana kuita chimwe chikamu chekudzokorora ndechokugoverwa kweshoko rakanyorerwa kubhangi, umo mashoko anotevera anofanira kuratidzwa:

• Zuva rekubhadhara (zuva rebhizimusi);
• Nhamba yemupiro;
• Nhoroondo iyo mari ichaendeswa.

Zvakakosha kuzivisa Sberbank mazuva makumi matatu isati yasvika nguva yakatarwa yekubhadhara.

Mukana wekubhadhara kwokutanga kwechikwereti, mutengi ane kodzero yekuwana chikamu che inshuwarisi kwenguva iyo isingapindi nguva yekushandiswa. Zvechokwadi, iyi nzira yakareba kudarika kubhadhara chikwereti, asi kana ichidiwa, inoshanda. Iyo nzira inotangawo nekutumira kwechikumbiro, iyo iyo inogona kubvunzwa mubhangi.

Algorithm yezviito

Kuti usashamisika kuti ungatsiva sei chikwereti mberi kwepurogiramu muSberbank, unoda kuziva kuti ungaitei nokuda kweizvi. Mitemo yakawanda yekubhadhara mari yakabudirira uye kugadziriswa (kuvhara) yemari yezvikwereti ndeizvi:

• Nyora chikumbiro chekubhadhara kwokutanga uye uende nayo kubhangi remazuva makumi matatu isati yasvika mupiro wakarongwa;
• Kuchengetedza kuti mushandi anotsanangurira chikumbiro chokugamuchirwa;
• Chengeta mari yakagadziriswa chero ipi zvayo yakakodzera;
• Iva nechokwadi chokuti mararamiro akachinjwa;
• Kumbira purogiramu itsva yekubhadhara (kana zvichida kudzorera zvishoma) kana zvinyorwa zvichiratidza kubhadharwa kwakakwana kwechikwereti.

Zvakakosha kuziva kuti urongwa hwemipiro yemwedzi wese hahuna kuchinjwa, sezvo Sberbank inowanzokweretesa chikwereti ne annuity payments. Nekubhadhara kwadzo zvishoma, izwi rechibvumirano chechikwereti chinoshanduka, asi mari yezvipo inoramba iri yakafanana.

Nzira dzokubhadhara

Kuti uite chikwereti chinotevera kana chiyero chekubhadhara kwokutanga kwechikwereti kunogona kuve zvakasiyana. Bhengi haisi kuisa zvinodiwa nenzira yekubhadhara, muchengeti anotungamirirwa neavo zvavanoda uye zviri nyore. Iwe unogona kuisa mari pachikwereti chekwereti kuburikidza nekubatsira kwekugadzirisa (kunyange sangano rechitatu), mabhandi emagetsi, kushandiswa kwemabhangi kana mari iri kudiki recashier.

Vashandi veSberbank Online service vanoita kuti basa rive nyore. Zvakakwana kuti uwane rusununguko uye mari yakakosha yemari pane kadhi kana imwe bhangi yebhangi. Nzira yekubhadhara sei zvikwereti muSberbank mberi kwepurogiramu nekubatsirwa kwebasa rekuInternet? Kuti uite izvi, unofanirwa kuita zviito zvakasiyana siyana:

1. Pinda kune Sberbank Online.
2. Enda kune chikamu "Mari".
3. Dzvanya pamushandi wako wakashanda, sarudza nzira yekubhadhara kwokutanga (kusarura, kuzere).
4. Zadza fomu yakaonekwa, inoratidza chiyero, nhoroondo uye nguva yekukweretesa mari.
5. Dzvanya pabhokisi "Ita urongwa".
6. Tarisa kuongorora kweiyo inopinda data uye kusimbisa chiito cheSMS.

Nzvimbo yechikumbiro inogona kuwanikwa kuburikidza nehofisi yepaIndaneti.

Kubhadhara kwakakwana

Kana chikwereti chakakosha chechikwereti chikaonekwa nguva isati yasarudzwa, vateresi vanowanzofunga nezvekuvhara zvachose zvikwereti zvavo. Mari yezvisungo zvinoremedza kunyange kune vanhu vakabudirira zvikuru. Kuzvibvisa hazvisi kungofadza chete, asi kunobatsirawo. Mushure mekuvhara chikwereti chechikwereti zuva risati rasvika, haufaniri kubhadhara mari yakawedzerwa kune mumwe munhu. Kana iwe usingadi kungokanganwa chete nezvekudururwa kwemwedzi kubva mubhadharo, asiwo kuti ugare mumasikati kubva pane zvinyorwa, unofanira kuziva mitemo shomanana.

Ndingabhadhara sei zvikwereti muSberbank nguva pfupi mberi nekubatsirwa kwangu? Paunoronga kubhadhara zvikwereti, unofanira kubhadhara nguva yekubhadhara. "Kuvhara" kwechikwereti muhafu yepiri yenguva yekushandiswa kwayo kunovimbisa zvishoma. Munhu akangotora chikwereti akabhadhara chikwereti chechikwereti, chikwereti chiduku chinofanira kubhadhara.

Chikomborero chine rusarura

Kazhinji pane zvishoma nezvishoma "kugoverana" kwehuwandu hwekubhadhara kwemwedzi, iyo inotungamirira kukugadzirisa kushevedza uye kukurumidza kwekupedzwa kwehukama pakati pemunhu ane chikwereti uye ane chikwereti. Vanhu vazhinji vanozvibvunza kuti: Ungabhadharisa sei chikwereti muSberbank? Iyo sarudzo yezviito neyi nzira yekubhadharwa kwepakutanga inoramba yakangofanana, mutemo mumwe chete zvakare muduku unowedzerwa: kubhadhara kunofanira kuva kwakakura kudarika chikamu chechimwe chikwereti chemwedzi.

Mari inoshandiswa kune rimwe zuva rakarongwa kana kubvumirana nebhangi. Mari iyo inopfuura iyo yakakurudzirwa inoenda kuderedza mutumbi wechikwereti, semugumisiro wekutora chikwereti kunoderedzwa. Kutakura kubhadhara chikwereti chechikwereti, zvakakodzera kubvunza mushandi webhangi purogiramu yekubhadhara itsva (nenzira yakasiyana).

Mortgage agreement

Pamusana pemari yakawanda yeimba, mhuri dzakawanda dzinobvumirana kutenga dzimba (dzimba) dzezvikwereti kwenguva refu. Panguva imwe chete, ukama huripo pakati pomunhu anenge akwereta uye anokweretesa hunotora kubva kumakore gumi nemashanu kana kupfuura. Munguva iyi, kuchinja kwenyika kunogona kuitika: kazhinji mhuri inotanga kuwana mari yakawanda kana mukubhadhara kwekubatsira hama. Pane mubvunzo wakajeka: "Zvinoita here kubhadhara chikwereti chekubhadhara mari yeSberbank nguva isati yapfuura?" Mhinduro yemumwe nyanzvi ichave isina chokwadi: "Hongu." Uye iwe unogona kuverenga zvose muzvikamu uye zvakakwana. Iyo chete mhirizhonga - kubhadhara mari inokwanisika chete mushure mekubhadharwa kwechina kune chikwereti uye zvingasvika zviuru gumi zvebrule.

Saka, zvinokwanisika here kudzorera chikwereti mberi kwepurogiramu muSberbank? Kubva munyaya iyo muverengi akadzidza kuti haisi kungoita chete, asi zvakare kana zvichibvira, zvakakosha. Bhizinesi haisi mumiririri wezvimwe zvinotarisirwa nenzira yemari kana zvikwereti uye zvinoda zvishoma nezvimamiriro. Nzira yacho yakafanana kune chikwereti chemhando chero ipi zvayo: mutengi, kutengesa, motokari.