Sei kushandisa maternity guru? Rwaamai Capital - Mortgages

The "guta ramai" akasikwa 2007. It ndehwokuti kutsigira mhuri Russian nevana.

Mari nokuti maternity guru dzinounzwa kubva nehurumende bhajeti. Panguva iyoyo, dzimwe nzvimbo Russian kunge akasuma chirongwa chavo zvakafanana, izvo ndehwokuti kutsigira mhuri chete kubva yakananga nzvimbo. Kukura muripo, murayiro vagara vandifungira risiti uye kushandiswa zviremera zvemo.

Hurumende allocates maternity guta nokuda mwana wechipiri (kana kuti gare gare) kana kuitwa vana. Ichi chirongwa rimwe-nguva. Nemamwe mashoko, mhuri imwe neimwe inogona kurishandisa kamwe chete. Hazvina mutero uye akagadzirirwa kwemakore 10. The kutanga kuwanda mubereki guru raiva 250 000 rubles, asi dzinosiyana gore negore nemhaka mitengo munyika yedu, uye ikozvino yawedzera 429 408 rubles.

Ndiani ane kodzero yokugamuchira maternity guta?

Chokutanga kodzero yokugamuchira rugwaro ndiye mukadzi anofanira kuva mugari wenyika Russian Federation, uyo akabereka mwana wechipiri kana akazomurera pashure 2007, akapa kuti risati kuti, akanga asina kugamuchira gwaro rakadaro. Kodzero gwaro uye ndine munhu oga adopter kukambaira kana mubereki ari oga pane zvakaitika rufu nokusununguka wake.

Legal mutarisiri mwana ari chiitiko nokurasikirwa wokupedzisira vabereki vose vanogona kuwana munguva yemberi kushandisa gwaro. Uyezve, amai uye baba vanofanira kuva vakanaka uye hakufaniri kunyimwa kwavo nevabereki kodzero maringe nevana. Havafaniri kuita chero mhosva pamusoro pavo. Zvisinei, mukadzi vava nevana wake kubva muwanano, haana kodzero pamusoro guta rino.

Where kushandisa kuti maternity guta?

Maternity guta nokuda mwana wechipiri kuwana muDhipatimendi of mudyandigere Fund panzvimbo yavo yokugara, izvo achapiwa chaizvo chitupa mari idzi, izvo chete inogona kushandiswa makore matatu kubva musi wokuberekwa kana kuitwa vana. The chete kunze ndivo mortgages idzo mhuri yakatengwa kana akavaka musha mutsva.

Kuti vawane tsamba, unofanira kupedza kushanda uye kupa kuti mudyandigere Fund of pasuru inotevera magwaro: raamai pasipoti certifying kwake chizvarwa Russian, gwaro muchato, kuzvarwa chitupa kana gwaro vose vana kupfeka mwana, dhipuroma uye chitupa vakadzi. Kwapera nguva zvichiita kuti gwaro iri amai vake guta.

On chii unogona kupedza gwaro maternity guru?

Aberekwa kana kuitwa nomwana, ivo gwaro iri rakapa, vabereki vanotanga kufunga sei kushandisa maternity guru. Vamwe vari kuronga kutenga motokari itsva, vamwe - kuenda zororo mugungwa, uye vamwe - kuti mukuru gadziridzo weimba. Mune ramangwana tinoronga kuti mvumo kushandisa mari makuru kutanga bhizimisi ravo pachavo, dzinodhura kurapwa mwana kana mai, kuzviwanira nyika nokuvaka imba, uyewo misha yavo, asi zvakadaro kure nayo zvirongwa chete.

Zvino zvakakwana zvinoratidzwa gwaro anogona chete kushandiswa pazvinhu zvinotevera: unogona kutenga mufurati nokuda maternity guru, kuwedzera mudyandigere ramangwana (ayo mari rutivi) amai kana rwokuramba wacho kushandisa mari vana vavo dzidzo, kana kuvaka dzimba dzavo. Unogona kusarudza chimwe chinhu, asi unogona kukugoverai guru kupinda akawanda mirayiridzo. Kunyange zvakadaro, kupfuura mukurumbira nzira kushandisa purogiramu yacho kuvandudza mararamiro vaduku mhuri.

Maternity guta nokuda dzidzo

MuRussia, munhu wose ane kodzero kusunungura dzidzo, asi chaizvoizvo hapana zvakawanda. Kushomeka uwandu bhajeti nzvimbo kumayunivhesiti uye Kudya vanomanikidzwa kushandisa anobhadharwa vabereki fomu riri mufaro zvinodhura chaizvo. Uye kwete vose angawana yakawanda kubhadhara vana vavo dzidzo. Hurumende atora kuchengeta mhuri idzi.

Maternity guta nokuda mwana wechipiri anogona kupedza dzidzo. Muri kushandisa kuti mudyandigere Fund nezvenzvimbo mari dzavo kana dzavo mugove kubhadhara dzidzo mwana wavo uye vanogona kudzikama pamusoro mari, uye vana vako vachava mudzidzi akanaka. Unogonawo kubhadhara mwanakomana wako kana mwanasikana vaigara hostels ose nemasangano edzidzo.

Maternity guta nokuda mai yemberi pensions

Future kwevanhu mudyandigere inotsamira zvinhu zvakawanda: mukuru agara kodzero, mudyandigere zera, umo iye pamudyandigere, uye mubayiro. Huru chokufunga kuwana mari zvakanaka pakukwegura chakakura chikamu ramangwana mari retiree. Asi dzimwe nguva mari yakagamuchirwa haisi chaizvo inowana zvinodiwa mugumisiro. Panyaya iyi, mukadzi anogona kushandisa rayo guru kuwedzera ramangwana mudyandigere. Maternity guta kusvika 3 years pashure pokuberekwa kwomwana yechipiri kana yaizotevera, uyewo kuitwa nomwana, muchiitiko ichi kushandisa hazvibvumirwi.

Maternity guta kutenga dzimba dzavo

mhuri imwe neimwe itsva kurota mudzimba dzavo, asi chete vashoma vavo vanogona kutenga imba kana furati.

Kamwe muSoviet Union, vaduku mhuri akamira ari tungamidzana kuti pekugara uye kugamuchira kubva hurumende mufurati itsva. Chokwadi, uye ikozvino nemamiriyoni vakaroorana Russian kumira ari mutsetse. Ndizvo chete nyaya iri kunonoka. Chete vamwe vavo vanogona kusununguka pokugara, uye mune dzimwe nzvimbo munyika yedu asina kuvakwa zvivako. Uye dzimwe nguva, mumwe chete anofanira kuvimba nesimba ravo uye nzira kutenga yoga furati kana kuvaka imba. Ndizvo chete mumwe muhoro haasi kuvaka imba.

Zvakanaka, kuti akatanga mortgages nokukurumidza kuwana mari yokuvaka kana kutenga zvivako muRussia. zvinyorwa unganidzwa, vakagamuchira chikwereti uye akaritenga mufurati. Hazvina nyore. Zvazvinosarira chete kupa kubhangi chikwereti iri pamwedzi hwaro pamwe kufarira rwakafanira payo. Asi chikwereti, kufanana chero chikwereti, zvikuru "runako sendi" mhuri dzose neavhareji mari. Pano achava inokosha rwaamai guta. Mortgage muchiitiko ichi haana sokuti jaya mutoro mhuri. Maternity guru rinogona kushandiswa kutenga furati dzavo kana musha, uyewo pakuvaka dzimba itsva, kana kuwedzera munzvimbo kuwanikwa.

Kubhadhara chikwereti chake, kutora kutengwa kana kuvakwa musha mutsva, hatifaniri kumirira kusvikira mwana 3 namakore. Iwe ingotora chero mubhengi chikwereti chikwereti uye chikwereti chibvumirano apinda bazi mudyandigere Fund. Pashure pokutarira zvinyorwa pa wako mari mazita posited uwandu.

Asi kuti kuvaka imwe nzvimbo mumusha wake, achava kumirira zvishoma. Kamwe mwana wenyu akatsauka makore matatu, vanofanira kushandisa kuti mudyandigere Fund uye kugamuchira mari mari kubva mubereki guru. Ipapo kushuma zvakadzama kuti Ruble ose vakapedza. Zvadaro unogona kuwana mamwe mari uye mberi building, uye yangopedzwa uve zvatinosiita hwakadzama Mushumo mari apedza.

Ndinogona kutengesa guru?

Kazhinji, kana kuona zvivako shambadzo akabata ziso nevaya umo vimbiso kutenga maternity guta gwaro kana mari rubatsiro. Vazhinji kamwe pane mubvunzo pamusoro kana zvichibvira kutengesa mubereki guru. Chokwadika kwete. Kanenge zviri pamusoro mutemo, uye nokuda zviito zvakadaro, izvo chokuita kubiridzirwa, inotarisana asi guru mujeri, uye kwete avo chete dzinoita pakubiridzira izvi, asiwo anaro uwandu.

Iyi imari paruzhinji, izvo akabvumira kuti ishande chete vamiririri mudyandigere Fund. Vanosungirwa kunyatsoongorora kuongorora zvose zvinyorwa rakapiwa kwavari, kugamuchira uye funga mafomu kubva noumhizha yokuisira uchatamisa mari kuti vana dzidzo, mudyandigere, uye kutengwa kana kuvakwa pokugara. Vanogona ngaateme zvitupa chete pavanatenzi vavo, uyewo kuchinjwa mari chikwereti gwaro anaro nyaya uye mamiriro nhoroondo kuvakwa makambani kana private vanhu vanoita kuvakwa musha.

Maternity guta akagadzirirwa kugadzirisa mamiriro ezvemari mhuri Russian uye wevanotungamirira mamiriro ezvinhu munyika uye nokupa kudzivirira vana kubva hurumende. Ndokusaka chaiyo matanho zvakatangwa kuti anogona kutadzisa nechitsotsi kutsigira vana. Somuenzaniso, kuti vatenge mufurati nokuda maternity guru, vanofanira kuomerera mitemo zvinotevera: akatenga imba iri fanira zvichava zvarinoroora inodiwa, kusanganisira vana vose vaduku. Nokuti Kutengeswa weimba vanofanira kuwana chaiyo mvumo kuitarisira uye kana vachida kubvuma kupa vana vavo mutsva noenderana dzimba.

Naizvozvo, unofanira tanyatsofunga tisati watenga kana kutengesa maternity guru. Mutemo zvakajeka inorondedzera mutoro yakadaro chiito. Unogona kurashikirwa chete nzvimbo mari asiwo rusununguko anokosha.

The chikwereti pamwe mubereki guru

Mari kubva guru rakashandiswa chemhosva kuna chikwereti, rakanga zvainanga kutenga mufurati kana kuvaka imba. Asi musi, chikwereti chacho pasi maternity guru kunoitika chete kana wakabudiswa kuMudzidzisi chikwereti sangano mumatunhu zvikwereti cooperatives kana zvitsva zvokukweretesa makambani uye akanga zvainanga kutenga kana kuvaka misha yavo. Panyaya iyi, kuti chikwereti anofanira kuva isiri mari chimiro, kuti kune nhoroondo anaro ose chitupa ichi.

Mortgages pasi maternity guru

Kana iwe nemhuri yako vakasarudza kushandisa kwavo maternity guta kuvandudza hwavo mararamiro, nepo chikwereti - mhinduro yakakwana here. The zvakawanda kuti unogona kusarudza mumwe matatu mirayiridzo, achibvumira kushandisa chitupa:

1. Yakabvumirwa kubhadhara mubereko uye huru chikwereti chikwereti kuti rakatorwa asati aberekwa wemwana, uye akadana kutenga mufurati kana kuvaka imba.

2. Zvinokwanisika kuronga chikwereti pashure risiti pamusoro rwokuramba mubereki uye kutungamirira mari idzi muchimiro wokutanga mubhadharo pamusoro chikwereti.

3. Unogona kuwedzera yaipedzerwa chikwereti chacho pamusoro chikwereti tichiregeredza mari idzi kuti kutenga zvimwe dzimba zvinodhura, kana iwe usarega izvozvo kuti purofiti.

Usati ungashandisa maternity guru kuna chikwereti, zvinokosha kuyeuka zvinotevera. The chikuru chinoratidza kushandiswa kwakadaro ndechokuti haana Russian pamahombekombe ose kubvuma zvitupa maternity guru kubhadhara wechikoro uye mubereko pamusoro zvikwereti. Ndokusaka zvinova zvakaoma kushandisa mari iyi sezvo pasi mubhadharo pamusoro chikwereti.

No zvishoma chinokosha ndiko kugona kushandisa maternity guru gwaro nokuda kutenga chero pfuma, kana iri kare kuvakwa, pasi kuvakwa, kana chete ari racho. Asi zvinofanira kuurayiwa pamusoro chibvumirano waakazvitengesa kwamuri. Panyaya iyi, kusarudza mhando pfuma runodiwa chete kubhengi naye iwe wakaita mogeji kondirakiti. Zvechokwadi, vamwe masangano chete kushanda zvivako zvitsva, vamwe, nekusiyana, kushandiswa yechipiri redzimba pamusika.

Chimwe chinhu chiri kukwanisa kubhadhara chikwereti chako zvakakwana panongovira gwaro iri kugamuchira. Kubhadhara yokutanga yakavamba, zvichaita zvakafanira kumirira kusvikira makore mwana rinosvika 3 makore. Rokupedzisira Pakanzi ndiyo vagari musha varidzi vose vomumhuri.

Chii mabhanga vanoshanda pamwe mubereki guru?

Anenge mabhanga yedu nyika nyaya chikwereti zvikwereti kuruzhinji, ndicho chete haasi munhu wose anotora rwaamai guru.

1. "Sberbank kweRussia". Anopa zvikwereti chete kare akavaka imba panguva mwero 14% chete annum kwenguva yemakore 30. Apartment kana imba, akatenga mari idzi zvakananga kunofanira kuitwa mune pfuma ose dzemhuri.
2. "Rosselkhozbank". Anopa munhu chikwereti pasina pasi mubhadharo , akapa kushandiswa mari kubva mubereki guru kwemakore anosvika 25. Kufarira rate ari chikwereti akadaro anoenderana currency uye izwi. Uyezve, zvinoita here kubhadhara chikwereti mangwanani isina mari, Zvirango uye kurambidzwa.
3. "VTB 24". Izvi zvichaita kuti kubhangi kutora chikwereti kwemakore anosvika 50 aine mwero 11% uye kutora maternity guta somunhu pasi muripo.
4. "Bank of Moscow" kuchaita kuti kubhadhara chikwereti uye yechimbadzo chikwereti uchishandisa nokururama kwenyu.
5. Bank "UniCredit" anogamuchira mari kubva rugwaro abhadhare chikwereti. Rate - 12-13%.
6. "DeltaCredit" kubhengi. Achakupa mumwe chikwereti chikwereti uchishandisa Nokutendeka kwenyu pane risingamboshandisi interest - 5% pagore. Uchakwanisa kubhadhara chokutanga muripo kana mangwanani mutsividzo ane chikwereti chikwereti, achishandisa maternity guru.
7. "Rosbank" kunoita kuti kubhadhara chikwereti ine mwero 12,5% of mubereki guru.
8. The Agency nokuti Mortgage Lending. It achabvumira kutora yakanaka zvikwereti, uye panguva imwecheteyo kushandisa mari iyi kuti abhadhare chikwereti uye pasi mubhadharo. Muchiitiko chino, rinoshandisa yakasiyana mubereko for kutenga dzokugara muzvivako zvitsva uye pokugara, akatenga pamusoro musika dzisiri. Muchiitiko chokutanga, kuti chikwereti mwero achava 8%, rechipiri - 9%.
9. Bank "Opening". Mortgage zvikwereti vane chikwereti muripo uye mubereko payo kubva mari inopiwa mubereki guru. The zvazvingava kunobva kwokutanga dhipoziti nedheti avhareji ndiyo 12%.
10. "Raiffeisen Bank" anopa mwero 11.5%. - kubva 1 gore 25 makore, uye chikwereti ari sechibayiro akagadzirira akagadzirwa dzimba, uye pasi kuvakwa.

Ndinofanira kuitei pamwe rugwaro, kana chikwereti iri yakaitwa pamusoro wake?

Chero mubhengi chikwereti chavakapiwa Muchiitirana - dzakanga mari, zvikuru unogona kuwana mari. Ndizvo chete vazhinji mhuri Russian ndivo chikuru earner munhu. Rakanga mari yake kuonekwa hune mumhuri bhajeti. Mune dzimwe mhuri, mukadzi ari vemba, uye iye asina mari. Muchiitiko chino, zvikwereti zvose vari wakabudiswa munhu, kunyanya mortgages. Ndizvo chaizvo kushandisa maternity guru munyaya iyi? Ichi chipinganidzo chikuru zvakakodzera pokushandisa rwokuramba mubereki guru kuvandudza hwavo mararamiro nokubatsira munhu mogeji.

Zvino, notupukanana aya wakaiswa, uye mudyandigere Fund haangavi kukumbira gwaro achisimbisa zvarinoroora pokugara yose dzemhuri. Pari, mumwe mukadzi ane kodzero yokushandisa mari kwariri guta kuti kubhadhara chikwereti pamusoro chikwereti, rakapa pamusoro wake. Mukuru zvimiso kushandisa rugwaro ndiko kuva muchato wepamutemo, ndiro mudyandigere Fund iri fanira hwaro vanofanira kupa uchapupu yevasungwa ake.

raida magwaro

Uye chabva zvakakwanisika kushandisa mari guta nokuda refinancing, kureva chemhosva dzimwe chikwereti chikwereti, iyo wakabudiswa zvakawanda zvakanaka mashoko. Zvisinei, kushandisa mari iyi zvinokwanisika chete kana chikwereti wakabudiswa kuwana gwaro iri guru.

bhangi neimwe inopa pachake yakatarwa kwayo magwaro anodiwa kuwana chikwereti (chikwereti) nokushandiswa mari guru, asi zvikuru vari zvinotevera:

1. Rugwaro mai vako guta - chepakutanga uye kopi.
2. Mapasipoti mukadzi nemurume wake.
3. A kopi chibvumirano ne bhanga iri chikwereti chikwereti.
4. The chitupa kunyoresa pfuma nokuda furati yako kana imwe imba, akatenga pamusoro chikwereti - uye kopi yapakuvamba.
5. A muchato. Zvinokosha, sezvataurwa pamusoro apa, kana uchironga kupedza maternity guru, chikwereti apo yakaitwa rugwaro kuti kugamuchira murume.
6. Chitupa kubva pamahombekombe pamusoro vamwe mari iwe pane mogeji yako.

The "raamai guta" chinoshanda kusvikira pakupera 2016, asi inogona kuwedzerwa, asi izvi zvichachinja substantially. Zvinonzi aronga kuwedzera mikana yokushandisa zvishandiso izvi, asi panguva imwe chete kupa mari rubatsiro kune vanoshayiwa zvikuru mhuri. Uyewo, mari iyi ingashandiswa pashure pokuberekwa kana sevanakomana.

Sezvaunogona kuona, hapana kuoma kuwana maternity guru imomo. Mukuwedzera, vanetseke kuti hauzobudisi, asingateveri. Zvazvinosarira chete kuziva kuti zvakanaka kuenda kubudikidza nomutemo nzira yokuwana mari. Zvikasadaro, hakuna migumisiro zvinofadza kwazvo iwe. Tinovimba ino yakabatsira kugadzirisa dambudziko sei kushandisa maternity guru nokuchenjera uye kubatsira mhuri yake.