Standard uye kwenguva refu zvikwereti: Ndicho chinhu chinonyanya kukosha pamusoro zvikwereti

Munhu wose anenge anzwa refu zvikwereti muupenyu hwavo. Asi kwete vose anonyatsoziva zvavari. Muchidimbu, ndiko zvikwereti inopiwa nemabhengi nemamwe masangano zvemari kwenguva yakareba (makore matatu). Asi dingindira ine yakawanda zvizere, uye kuti nezvazvo ndinoda kuudza.

pamusoro pebasa

zvikwereti Long-izwi kazhinji kupa mhando mbiri vatengi. Boka rokutanga zvinosanganisira vanhu vanoda kutenga mufurati kana kuvaka imba. Asi mari hadzikwani, nekuti vakagara kwenguva mogeji. Iye anozivikanwa awanike kwenguva 5 kusvika 30 makore. The chikwereti ichi mhando kunogona kutora munhu akwegura pakati 21 uye 65 makore, unoenderana vamwe zvinodiwa, izvo dzichakurukurwa pashure.

Uyewo, nguva refu chikwereti rinowanzoshandiswa kuchera pamutemo masangano. Chinangwa chavo - kushandisa mari mari guta. Zvinokosha kucherechedza kuti kuna yepamutemo masangano zvikwereti refu vane vakwanise pfungwa uye tsanangudzo. Izvi zvinosanganisira Nokutendeka (twa mamaneja uye mari yacho kubhangi) nyaya zvisungo, deposits ane kukura kupfuura gore rimwe. Asi zvose pamusoro apa ane chinangwa - vachiisa mari muchivigiro mari kugadzirwa chirongwa, izvo mune ramangwana achauyisa zvisingabatsiri.

Mortgages uye repair zvikwereti

Ndiyo mhando chikwereti kunowanikwa vanhu. The kupfuura mukurumbira refu chikwereti munguva yedu.

The peculiarity kuti chikwereti ndechokuti vawana pfuma anova rubatso. Kana vanhu havagoni kuripa zvikwereti zvavo, furati / imba / Nyika kubhengi achatora kugadzirisa ukama. Paavhareji, mortgages kutora makore 10-30. Kuti vanotenderwa, munhu achafanira kusimbisa kwaniso yavo yekubhadhara. Kuti izvi zvidaro, inopa mari mashoko, gwaro iri basa ravo tichishanda ruzivo uye kuti ani. Kana munhu akawana here wemuno, ungafanira "shamwari" muna vachibhadhara, kureva sozaomschik. Somuenzaniso, murume nomudzimai vanogona kupa chikwereti guru rine wakakwirira mukana kupfuura mumwe munhu.

A chikwereti yokutenga motokari - asiwo refu kubhengi chikwereti. Zvinonzi Kazhinji akatorwa kwenguva pfupi, asi vamwe kubhadhara chikwereti mukati gumi. Shoma Huwandu 150 000 rubles, uye kufadza haringorevi. Chimwe ndinoiitawo - mune nyaya kwenguva refu motokari zvikwereti havafaniri kunyange kuita kwokutanga mubhadharo. Zviri nyore chaizvo. Asi mubereko pamusoro zvikwereti-yakareba ndiyo yakakwirira - kwete 12-15%, uye 15-20% pa annum. Kana, somuenzaniso, munhu aizotora mamiriyoni 10 rubles makore 10, mugumisiro overpayment ake (panyaya 20%) ndiyo 2 000 000.

zvinyorwa

Pane mwero akagadzirwa mapepa kuti vanofanira kupa kana waita kushanda nokuda kwezvikwereti-refu (uye zvikwereti). Zvichienderana zvinodiwa imwe pamahombekombe Donongodzo magwaro hungasiyana. Asi zvechokwadi vanoda kushanda, nokubuda chimuka muenzaniso isingachinji mukwereti Profile, yepakutanga uye kopi pasipoti uye uchapupu mari. Kazhinji, nguva iyo uchida dzokubvisa, kubvira 3 months kusvika 2 years.

More uchada kopi yebhuku basa, vanopupurirwa kubasa. Men vanosungirwa kupa mauto ID. Kana paine rezinesi rokutyaira, ipapo achada (sezvo uchapupu yokuzivikanwa wechipiri).

Kazhinji, kushanda runoonekwa mukati pavhiki. Asi kana vose magwaro hwemazuva uye yeGmail.END_STRONG asangana zvinodiwa, anogona kufarira pamberi.

pamusoro inivhesitimendi

Kana uchida kuva refu chikwereti kuti sangano repamutemo, zvingava vanofanira kupa kwenyu mari chirongwa kuongorora. Vashandi ari pamahombekombe, kujairana nawo, vanofanira kunzwisisa - chinhu kuti zvavari vakakumbira kupa zvikwereti, ndichauyisa purofiti uye kubhadhara mari. The purojekiti anofanira kuratidza kunonyanyisa kukosha kwayo uye kunyatsoshanda.

Gwaro anofanira ane pfungwa uye ouinjiniya tinyatsonzwisisa musika kudiwa, mutengo nokufungidzira, purogiramu. Unofanirawo kutaridzwa profitability uye chaiyo nguva iro mari achatsiviwa. Kudiwa uye kwezvakatipoteredza kuongorora (the harmlessness chirongwa zvakatipoteredza), uye zvikuru hwokuti mukwereti achakwanisa zvirongwa zvayo.

Kubhangi anofanira kunzwisisa - the chikwereti uchava rutsigiro rakanaka, mari vacharipa nokukurumidza zvakakwana, ngozi unogamuchirwa, asi pfungwa iri yepakutanga. Kana vose ezvinhu vari, navadzidzisi munhu achapiwa chikwereti.

Zvikwereti kwenguva pfupi nguva

Muchidimbu kunofanira kukuudza pamusoro zvikwereti iro kubhadhara vanopiwa zvakawanda nokukurumidza kupfuura zvakadaro pamwe chete mogeji. Refu uye zvenguva pfupi zvikwereti vanoitirwawo ari kudiwa. Kunze kuti mhando chikwereti rechipiri zvaunoswedera yakakura vazhinji.

Uye - a Mutengi chikwereti. Kutora kugadzirisa vanonzi nematambudziko "mudzimba". Kana kutenga mufurati haana vakasvimha, kana unofanira kuzvigadzirira, kutenga zvinhu, etc. Consumer chikwereti chipo rakapotsa mabhanga zvose. Asi zviri nani kushandisa kuHurumende, sezvo pane zvinhu zvakakodzera zvikuru. Ipa kusvikira pamakore mashanu, pamwe kufarira, ndizvo chaizvo zvinogamuchirika (avhareji 12-14% chete annum). Kana iwe vanokwanisa kuwana rubatso, zvinokwanisika kuderedza mwero. Kunonyanyisa chitsama - mamiriyoni 3 rubles. Asi sei mari yakawanda akagadzirira kutora kubhangi achasarudza kuti vaongorori zvemari pashure uwane uongororwe mari mashoko, ukuru, etc. Kana munhu Somuenzaniso, anogamuchira 60 TR pamwedzi, mamiriyoni 1,3 rubles kwemakore 5 years, achakwanisa kupa.

microloan

Ndicho chinhu chokupedzisira ndinoda kutaura. Most vanoshorwa achiposa Ipfungwa, asi dzimwe nguva chete anokwanisa kubatsira. chete pasipoti zvinodiwa kuti vawane microloan. Age hazvina basa, kana chete yaiva 18. The mari yakapiwa zvidiki - 15, 20, 35 TR Dzimwe nguva yakawanda, zvichienderana nemamiriro ezvinhu zvaipiwa nesangano. Asi chikamu guru - kubva 0.75% kusvika 3% pazuva. Chokwadi, kumbotura mazakwatira kwemwedzi, unogona splurge. Asi sezvo pakaita chiito chakanaka. Somuenzaniso, kubhadhara kwemazuva mashomanana, musatora munhu, uye firiji iyo munhu refu akanga ziso rake, pakarepo akatengesa 50% dhisikaundi. Panyaya iyi, mumari chaizvo - zviuru zvishomanana akabhadhara somunhu muzana zvitsva zvokukweretesa sangano hachisi "Hits" simba pamusoro chikwama, kana iwe funga kuti mari mukwereti sberog ari dhisikaundi zvikuru.