Uko hunobatsira kutora chikwereti ari mari? Mhando nevatengi chikwereti

Kana pane kudiwa mari, uye hama neshamwari havagoni kubatsira, panguva mubvunzo kamwe zvakakura chaizvo chinovapo kuti apo kunobatsira kutora chikwereti iri mari. Ndoupi masangano kusarudza: kubhangi kana PDA, kana the pawn chitoro MFI? Future anokwereta anofanira nekururama kuongorora simba ravo uye zvakanaka, nekuti pakupedzisira, izvi zvinodiwa achaita pachena apo kuti zvakanaka chikwereti mune mari.

Chii chinonzi Mutengi zvikwereti

Consumer chikwereti munhu mari kuti bhanga kana zvimwe anomukweretesa sangano vachabva kusvika anokwereta. Wakabudiswa mari inofanira mubayiro pamwedzi Yakabudiswa, pamwe kuripwa zvaida mubereko pamusoro rakumbirwa mari.

zvikwereti Consumer vanokamurwa muzvikamu akawanda. tinotarisa navo ikozvino.

By mhando chikwereti

Vachishaya uko hunobatsira kutora chikwereti mune mari - mubhengi kana zvikwereti uye nevatengi cooperatives, edza kuwana mhinduro. Kureva mukweretesi arege chete kuva kubhengi.

By mhando basa dzidziso

Bank zvikwereti dzinoiswa kuwana mari kutenga imwe chigadzirwa kana basa. chinangwa ichi chikwereti, iyo inozivikanwa nokuva nani. ezvinhu: shoma mwero pagore, kusanduka anoreva mutsividzo, uyewo mukana wokugamuchira dzinopiwa hurumende (kushandisa kuwana zvikwereti chipfuro mudzidzi pamwe nehurumende rutsigiro). Anokwereta, zvichiita panze chikwereti chipfuro haagamuchiri mari mari, ivo akatamisira zvakananga nokutengesa nenhumbi kana mabasa ari cashless fomu.

Purpose chikwereti, kusiyana, kunosanganisira kuwana mari kuti iwe unogona kushandisa woga, uye regai kupa kadhi sangano mushumo nekanzuru anokwereta kuti chikwereti mari.

By mhando anondibatsira

Rakapa zvikwereti zvinogona anotsigirwa software, Somuenzaniso, zvinovimbisa kana chibvumirano kuti mari yechibatiso. The pfuma (chinjwa uye usingazungunuke) rinogona rubatso. Kana anokwereta ane ezvinhu zvemari umo haikwanise kubhadhara chikwereti, kubhangi anogona kutora pachake pfuma yake iri rubatso. Kana paine chibvumirano mari yechibatiso, kana anokwereta havagoni kubhadhara chikwereti, basa iri achazorora pamwe rubatso rwake. Kana vakazviita rubatso chikamu muzana pagore kuvatumwa pasina izvozvo.

Unsecured zvikwereti, kana, mune mamwe mazwi, unsecured, yakabudiswa pamahombekombe chete muchikwata che anokwereta vane dzose mari uye simba mune chikwereti kare. Huwandu mari ipiwe hazvisi mukati pachake mari vane kubhengi asi pamwero yakakwirira wepagore.

Maererano mhando anokwereta

chikamu Izviwo, rakakamurwa mapoka akawanda. Somuenzaniso, mhuri vechidiki, vane zera hakurevi kusapfuudza mucherechedzo makore 30, akapa kuwana nevatengi chikwereti pamwe nehurumende rutsigiro. Izvi chikwereti zvinogona zvakanangwa (mortgages, motokari zvikwereti) kana yezvisikwa (non-chipfuro).

In kufunga zvinotevera mapoka kugamuchira mhinduro yomubvunzo wokuti apo hunobatsira kutora chikwereti ari mari kuti pensioners. Consumer zvikwereti nekanzuru kubhangi pensioners, kwakavakirwa mudanga rine mari iri muchimiro mudyandigere. Kuti kukwanisa kushandisa ichi mhando chikwereti, unofanira zvinoenderana fanira mugariro - the retiree-anokwereta vanofanira kushanda. A mudyandigere uye Kuwanikwa basa chichabatsira pamudyandigere kuwana mari pa kukwezva chikwereti mazwi.

Muvimbwi mhando chikwereti - anoshanda anokwereta vane chikwereti nhoroondo yakanaka uye rinoreva kakawanda kuti chikwereti kubhengi. Panguva akadzokorora bhuku anokwereta achava zvakakwana zvakaitika shoma wevakadzidza muitiro, pashure pacho achaparadzwa pakarepo inopiwa ne rakumbirwa mari.

Maererano chemhosva mhando

Kubhadhara chikwereti ichi munzira mbiri.

Standard - yakavamba muripo. Ko yunifomu chitsama muripo kuitwa pamusoro pamwedzi kana Quarterly hwaro. Huwandu muripo zvinogona wakaiswa kana kuchinja.

Imwe-nguva - kungasanganisira kuita bundu chitsama chemari pane mumwe musi raanotaura chikwereti chibvumirano.

Pasi mashoko

Bundu Mari muripo - rakapa ose akagwinya anokwereta. Izvi mhando chikwereti ndiyo inonyanya kufarirwa. Webhanga iri kufunga kushandisa mumwe nomumwe anokwereta uye nemari wakabudiswa rinowanikwa pahwaro kukwanisa kubhadhara.

Renewable muripo, zviri wokurarama, ndiko kupa anokwereta haisi yose chikwereti mari kamwe, asi muna zvishoma nezvishoma kuchinjirwa mukati yakati nguva. A divi hazvisi kuti mukwereti anogona kuva nechokwadi chokuti nokugamuchira mari kuti akaratidza ari kushanda.

By mhando yematemu

Uko hunobatsira kutora chikwereti ari mari mu Russia, kufungisisa ezvinhu kusagadzikana kwezvemari? Nhasi, mabhanga Russian kupa zvikwereti kune vakawanda, conditionally kugovera navo kwenguva pfupi, uko dzosera nguva gore asingasviki chete, uye kwenguva refu, pamusoro chiratidzo ichi. zvikwereti pfupi-izwi vari wakabudiswa kwenguva chaiyo nguva (kakawanda isingadariki 12 months) kana kudiwa. Zvadaro, nokuda kwokushayiwa munhu wakaiswa musi mutsividzo pamusoro chikwereti, kubhengi anekodzero zvinoda akakwereta kubhadhara chikwereti chero nguva.

Kuwana nevatengi chikwereti mubhangi

Kuti vawane chikwereti anogona munhu vakwanise pasi makore 18 (kana makore 21, pachikumbaridzo Anotungidza rwezvemabhengi sangano) uye usadarika chikumbaridzo makore 70.

bhangi nerimwe vakazvimiririra kumisa zvaidiwa kushandiswawo achida kuwana chikwereti mari. Asi pane zvakasikwa chinodiwa mabhanga - kuvapo mudanga tsime mari yacho anokwereta. By kunobva mari zvinoreva mubayiro. Uyewo, anokwereta anogona kuudza bhanga pamusoro kuvapo kwake dzimwe manyuko mari, akadai mari kubva risi pfuma (furati, garaji kana zvimwe nharaunda) kana mibayiro pamusoro kuchengetedzeka. Zvinyorwa izvi vanofanira kuti rakanyorwawo.

The chatingatevedzera magwaro anoshanda rehurumende pasipoti uye fanira zvachose kunyoresa munzvimbo kubhengi nzvimbo. FAQ kuti anoudza muhoro pamusoro anokwereta, uye bhuku rake basa chinyorwa achava magwaro zvakafanira kuti mari. Kuti tiwane dzakasunungurwa chikwereti, kubhengi angakumbira akakwereta kupa mamwe magwaro: rechiuto ID, uchapupu muchitokisi / kurambana magwaro ari rubatso.

Kana anokwereta rikawira pasi vamwe rwezvemabhengi zvinhu, zvinogona kuderedza wegore kufarira zvaipiwa pamahombekombe uye kuwedzera kunyoresa nzira:

1. Anokwereta zvikanzwika zera hwoupenyu kubva 25 kusvika 45 makore.
2. On the kukweretesa kubhengi kadhi inoitika pamwedzi muhoro yacho anokwereta rokushandura.
3. At anokwereta kwakaita basa guru ruzivo.
4. The anokwereta ine sekristaro chikwereti nhoroondo.

Chinobudirira chimbadzo zvaipiwa pamahombekombe

Maererano nomutemo rinoshanda, kubhengi muchimiro basa pachena kuti anokwereta wacho anobudirira chimbadzo. Zviri dzakaunganidzwa wegore chimbadzo ndinoiitawo zvinogoneka bhengi basa. Zviri pamusoro izvi zvazvingava, Bank achaita ngaaverenge afarire kushandiswa zvikwereti mari, saka unofanira kuzivana nevanhu pfungwa iyi muudzame asati kusaina chibvumirano.

Fees mhosva pamahombekombe

Chero mubhengi wakabudiswa chikwereti zvavakatemerwa ne Commission. Commission angava kuraswa, izvo anokwereta unoripa chete 1 nguva, somuenzaniso, chikwereti chikumbiro, kuti muripo kuti issuance kuti zvikwereti. Kana anokwereta akadzorera vakakwereta mari mangwanani, nokuti inogona kuva kupomerwa basa.

Kugara basa chengetedzo vari: wepagore SERVICING kuti makadhi, mari kushaya kubva kadhi rechikwereti. Vakapa zvose chomurayiro, mukwereti anofanira kusarudza apo zviri nani kutora chikwereti iri mari.

Kuripwa kuti mutengi chikwereti

Pane zvirongwa zviviri izvo munhu anogona kuripa chikwereti ichi: Pagore Negore uye kusiyaniswa. By default, mabhanga zhinji vakashandisa pagore negore chimiro muripo, izvo unotora Pakusuma wakaiswa mari mwedzi wose. Pagore Negore muripo ine zvikamu zviviri: wechikoro uye mubereko. mwedzi mumwe nomumwe pane kuwedzera chitsama muripo, izvo anorayirwa kuzopiwawo pamusoro wechikoro uye dzakava mhindu, nekusiyana, kunoderedza. Kana nzira iri mutsividzo of chikwereti mubereko mabasa ayo rinowanikwa riri kuramba wechikoro uwandu.

Differential nzira muzvikwereti mutsividzo, kungasanganisira kuita zvakasiyana pamwedzi kubhadhara, kutanga pakukura, uye zvishoma nezvishoma kudzikira.

sangano zvemari hakusi kuziva nokukurumidza kudzoka akabvisamo chikwereti, saka nemabhangi akatara imwe nguva iri moratorium, panguva iyo anokwereta anekodzero kubhadhara chikwereti mberi purogiramu. Kazhinji anoda kubva 1 kusvika 6 mwedzi. Kana vamwe nemabhengi vanobvumirwa kubhadhara chikwereti mberi purogiramu, asi panguva imwe chete mari kubva 1-12% basa iri chitsama mari, izvo vanobhadharwa pachine. Saka, achishamisika kuda kutora kupi Wekumusoro akanaka chikwereti mari yokufambisa kugadzirira dzakasiyana siyana makomisheni uye mubereko prices.

Credit nevatengi yanana (CCP)

Kana anokwereta, zvandisingadi kuti chero chikonzero kushandisa kubhangi, unogona kushandisa kuti PDA. Tinoedza kupindura mubvunzo apo hunobatsira kutora chikwereti ari mari muna Yekaterinburg. The CCP, izvo zvinopfuura 20 masangano. Ndiyo "Union", "Gold Pool", "Promotion" uye vamwe.

Credit uye nevatengi pamwe ari mubatanidzwa, izvo zvinosanganisira dzinongoitika uye nomutemo vanhu, vakabatanidzwa imwe chinhu.

Kuti tiwane mari, unofanira:

1. Kuva nhengo uye kubhadhara nhengo kubhadhara.
2. Iva munhu mukuru.
3. Chinhu kunyoresa muRussia.

zvinyorwa Available nokuti chikwereti zvinosanganisira:

1. Civil pasipoti.
2. SNILS.
3. A tsamba kuti kutaura kukura Payment of Labor of anokwereta (kana mukutsirani asingadi worongedza chikwereti kokutanga, kana kuti nhoroondo iri Co-op kwenguva refu nguva iri Kutamiswa muhoro kana mudyandigere, gwaro haisi kuzvireva).

Kufadza zvinoita mari kuti CCP anogona ngaateme haafaniri kupfuudza 10% vose hunoshamisa zvikwereti, musi mutongo extradite naye.

kudzokera inofanira dzaona mumwe nomumwe nomumwe mukutsirani, uye vanoratidza mune vasiyana chibvumirano kuti chikwereti muripo purogiramu.

Zvatakurukura CCP zvinodiwa anokwereta, nomumwe akasununguka kusarudza apo zviri nani kutora chikwereti iri mari.

MFI

Kana anokwereta haagoni kuzvirumbidza wokuva zvisingatomboiti zvikwereti nhoroondo, uye pane kutya kuti kana kubhengi kana CCP haangaregi kumupa mari inofanira kuenda zvitsva zvokukweretesa masangano (MFIs). Uko hunobatsira kutora chikwereti ari mari mu Omsk? Mune dzimwe MFIs nani kugadzirisa? Nhasi muguta Omsk, mune zvinopfuura 30 MFIs kuti vakagadzirira pamwe vanoshuva atore chikwereti ari mari.

Ita chikwereti nyore: unofanira kusvika zera ruzhinji uye zvinopa vehurumende gwaro (pasipoti). IFI neimwe ine zvishoma rayo uye kunonyanyisa huwandu mari. Miscellaneous uye zvichachinja nguva. Somuenzaniso, mu "Express-chikwereti" akagadzirira nyaya kusvika 100 000 rubles ne 0,4% nezuva uye kwenguva kusvika 24 mwedzi. A "Kuti kubhadhara" Kusiyana neizvi, usapera vaifanira 10 000 rubles, pamwe kuripwa 1% pazuva uye nokuripira kwaMwari nguva mazuva 20.

Pano kusarudza akakwereta, apo kutora mari mari chikwereti.

pawnshop

Kana anokwereta asingadi kumirira Mutongo chikwereti sangano uye mafomu anodiwa mafomu uye nezvimiro, anogona kukwidza pawnshop. Uko hunobatsira kutora chikwereti ari mari muMoscow? In Lombardy.

Ikoko unogona kutora zvishongo zvendarama, uye Forogo, Banga Nechipunu zvakagadzirwa nesirivha, nematombo anokosha, mawachi. Pane chikamu the pawn zvitoro kuti vagamuchire mari yechibatiso, musha midziyo yemagetsi, mobile phones uye mbava nenguo.

Zvatakurukura aronga zvikwereti masangano, mumwe anokwereta anosarudza nzvimbo zviri nani kutora Mutengi chikwereti iri mari.

MuRussia nhasi, yakawanda zvikwereti anopa vose Mapato ose anokwereta. Kuverenga, apo zviri nani kutora chikwereti mu mari (wongororo paInternet), hapana mhinduro yakajeka chero chikwereti sangano nani mubato. Nechimwe vakasiyana uye mumwe nomumwe anofanira kusarudza kuti pachavo zvakanaka kuita.