The chimbadzo pamusoro chikwereti zvingaderedzwa!

Pari, zvikuru nevanhu chikwereti mapurogiramu ndiwo: zvikwereti auto, mutengi, chikwereti uye vasiri zvakanangwa. Zvishoma zvishoma vanhu kushandisa kuti chikwereti kuti dzidzo yevana, mazino kurapwa, kugadziriswa, pekugara kuvandudza, parwendo kunze uye mamwe chinangwa chinokosha.

Nokuti mumwe nomumwe pakubhadhara idzi anomukweretesa akaisa yayo chimbadzo, shoma uye kufadza kukosha iyo kunobva zvakawanda nuances wegungano racho rwezvemabhengi. Kana ukakanganwa kwekanguva pamusoro mhando achiposa zvinokwanisika kuti zvakadini nhasi siyana kuti chimbadzo kubva 7 kusvika 40%.

mutengi chikwereti

It akagovera kutenga midziyo uye zvinoshandiswa, uyewo nokuda kwezvipfuwo mubhadharo mabasa. Rinogona kurongwa mubhengi bazi, uye-chitoro fenicha kana zvokushandisa, chero kuti vane nyanzvi yakadzidziswa wekanzuru wako. zvikwereti Consumer vari zvinodhura, kana iwe tora yakawanda mari - mwero kusvika 29%. Yandakapiwa izwi iri chikwereti inewo diki (kazhinji kusvika 5 years), kuti kubhadhara vakasvika 13.000 rubles, uye overpayment -. 280 000 rubles. Kusvikira 500 000 rubles. Zvinogona kutora 15-18% (muripo - 12 000 rubles, ari overpayment 220,000 rubles ..). Asi panguva imwe chete, kana uchida mari shoma (shoma chimbadzo pamusoro chikwereti - 14%), zviri nani kupa kubhangi vanonzi rubatso nokuda chikwereti, iro rinogona kushanda rubatso pfuma kana rubatso.

Auto Loans

10,5-24% - Ndiwo yokunyanyisa chokupika mubereko prices pamusoro zvikwereti motokari. Mune purogiramu kutenga zvitsva mota dzekunze zvazvingava dererei (11-13,5%), mutsva mudzimba motokari (12-15%). Mukuru chimbadzo pamusoro chikwereti wakaisirwa Chokwadi, nokuti wechipiri-ruoko motokari: wokumwe - avhareji 16.5%, mudzimba - kusvika 24%. The kumusoro ari kubhadhara, rezasi mwero. High mubereko rate vari panzvimbo panorongwa: chikwereti nokuda 2nd zvinyorwa pasina certificate; kutenga mota kuti zvavakanga vachida kuita.

mogeji

Izvi rworudzi zvikwereti unopirwa kutenga dzimba: Apartments, dzimba, anamapako, zvichida pamwe nenyika. Panewo purogiramu kutenga nenzvimbo uye kugoverana mufurati.

The chimbadzo pamusoro chikwereti anoda kubva 9 kusvika 21%. musiyano uyu imhaka mukuru rwokugadzira unhu dzimba. Isingadhuri kutenga mufurati muchivako chitsva, mumba ichangovakwa mune mamwe 1-1.5% zvinodhura, anodhura mari dzimba pamusoro pamusika yechipiri. Yakadereresa chikamu muzana kuchafumurwa kana waita hombe pasi muripo mufurati.

Program kuti chikwereti anomukweretesa chimbadzo pamusoro chikwereti - hazvisi rairatidza rendi. To zvinonzi akawedzera sechinhu pagore inishuwarenzi (0.4-2% of chikwereti mari), zvose zvamarudzi ose makomisheni, izvo zvinogona kudziviswa uye, kana wasvika anzvere kubhengi zvikuru mutoro - kupedza kanenge pamwedzi kusarudza munhu akakodzera chirongwa.

chinangwa chikwereti

Rakapa chero zvavanoda. Plus, chirongwa ichi chiri kuti mutengi anosiyiwa nokuva kuti kutaridzwa chinangwa anotora kubva kumahombekombe chikwereti. Izvi mubhengi basa "kunourayisa" vazhinji "ruoko" uye anobvumira anokwereta kushandisa mari chero zvavanoda. Asi ... pane chirongwa uye kubvisa - refu chimbadzo.

Zvirongwa zvakadaro vanonzi dzakasiyana mabhanga: zvikwereti mari, chikwereti pakuvimbana. Shoma bheji pairi - 13%, paavhareji - 15% asi anogona kunge yakawanda 40% (kana uchida mari nokukurumidza, pasina guarantors uye certificate). Izvi zvinonyanya kudhura mhando chikwereti.

The chimbadzo anosarudza sei zvikuru iwe overpay kuti mukana kutora kubhengi chikwereti. muduku dzinodhura nhasi vaiva chikwereti uye motokari zvikwereti, panzvimbo yechipiri - nevatengi zvikwereti, uye chinonyanya zvinodhura nhasi ane mari chikwereti pasina chero magwaro, guarantors kana rubatso. Asi chimwe mapurogiramu aya, unogona kuwana nzira yokuderedza mwero: ichipa ose zvinyorwa kubhangi, kutsvaga co-anokwereta (kana guarantors) kupa rubatso kana hombe kwokutanga kubhadhara (pakuparwa chikwereti uye motokari zvikwereti).