Zvinofanira kuwana chikwereti: zvinyorwa, deadlines, mari

Kazhinji, kana pasina mari kutenga dzimba dzavo, vanhu kuchitenga nechikwereti. Zvinofanira kuwana chikwereti kunobatanidza Implementation uye kuchengetwa zvimwe zvinhu nokuda anokwereta. Ndicho chikonzero usati waenda kubhangi, unofanira kudzidza zvose nezvehukorokodzwa kwacho. Saka unogona kudzivisa akaoma uye nokukurumidza kuwana chikwereti.

rwezvemabhengi Masangano zvinodiwa kuti mukwereti

Usati akatendeuka kadhi kupfungwa, unofanira kutanga kuziva sei kuwana zvikwereti. Uyezve, mumwe anofanira kunzwisisa kuti chikwereti anogona kutsauka nokuda kwezvikonzero zvakasiyana-siyana. Ndokusaka zvichikosha pakarepo kusika yakanaka hwaiitwa pamwe kubhangi, vachinzvera mureza ezvinhu kuti kuwana zvikwereti. Chimbofunga zvishoma kwavari:

• Pamberi pfuma. Anokwereta inofanira kuva muridzi pfuma kuti ive rubatso.
• Mukana kubhadhara kwokutanga mupiro, uwandu inova 30% of mutengo kumusoro.
• mutsividzo chitsama rendi haafaniri kupfuudza 1/2 munhu mari, uyo akatora chikwereti.
• Fanira zvinodiwa kuti kuwana chikwereti - inishuwarenzi kwete chete Apartments, asiwo upenyu.

Izwi ane mogeji chikwereti

Zvinofanira kuwana chikwereti rakasiyana nevamwe chikwereti izwi. The zvishoma Kazhinji hazvina kupfuura 3 years, uye kufadza anofanira rakapa kuti 30, uye mune zvimwe zviitiko zvachose 50. zvinodiwa vakadaro chaizovatadzisa vanhu vazhinji. Pashure pezvose, vanhu vashoma vanoda saka refu novimba rwezvemabhengi sangano.

Kugadzira kushanda kwenguva mogeji chikwereti

Zvinofanira kucherechedzwa kuti mari nemasangano kumanikidza anokwereta dzavo zvaanoda uye kurambidzwa. Somuenzaniso, kuti vawane mari mune mbiri pekugara, unofanira kuva zvechigarire dzokugara uye basa. Mukuwedzera, zvachose urefu basa mukwereti kunge kanenge 1 gore. Kana chikwereti nhoroondo mutengi vaparadzwa, ipapo kuwana chikwereti ungangova. Zvose haafaniri kuva mhosva zvinyorwa, uye dzimwe inofambirana kwezvikwereti. Shoma zera kuti chikwereti - kubva pamakore 21, uye kufadza - hapana anopfuura 65-75 makore panguva mogeji nokuripira.

Kana ndakapedza chikumbiro, unogona kutaridzwa co-anokwereta, izvo zvingaita kuti hama, vakaroorana, vabereki, kana shamwari. Murume makore 27 zvakafanira kuuya kubhangi rechiuto ID. Pasina izvozvo, chikwereti ucharambwa, kunyange kana ane Kunonoka chokuita kudzidza. Kana chikumbiro ndechokuti chikwereti kune vakawanda rwezvemabhengi kumasangano vanofanira kuziva zvakawanda zvinodiwa kuti anokwereta uye nzira nokuda kuzviwanira Real Estate mumwe nomumwe wavo. Kamwe chikwereti chikumbiro akatendeka, unogona endai kusarudzwa yakakodzera dzimba. Panguva zviitiko izvi kubhangi anobvisa mishoma.

How kuwana mogeji?

Procedure chokuwana chikwereti sezvinotevera: kunyoresa chikumbiro, pfuma kutsvaka, pfuma tendero, ichocho. Kubhangi anoita chisarudzo chakanaka kubva musi pasi magwaro ose ane chikwereti kupfungwa mukati 5-10 zvebhizimisi mazuva. Panguva ino, iye validates mashoko uye kunotema kufadza chitsama chikwereti zviwanikwe wacho. Mushure tendero kubudikidza mutengi anoenda yavatezvara sarudzo. Kunyange zvazvo vamwe pre-vakasarudzwa mufurati. Banking masangano kuti pokugara uyewo kusangomanikidzira zvimwe zvinodiwa zvinofanira kufungwa.

Kana anokwereta anowana akakodzera chisarudzo, zvingava kuti vawane kubva mutengesi kopi ose kuchengetedzeka nekuda mubhangi vaite yakazvimirira tinyatsonzwisisa pfuma. Nenguva yokunyatsoongorora kambani chete kuti abvumirwa ne tsika zvemari. Vatumira magwaro kuti furati kubhangi iri dzakurukurwa nokungwarira uye tarisa kudzivisa pamutemo uye zvemari njodzi. Zvinotora 3 kusvika 7 days. With kufarirwa zvose zvinhu pamusoro yakatarwa zuva, mapato vanofanira kuuya rwezvemabhengi sangano nokuda processing vaibva. Anokwereta achava chete kuti kusaina chibvumirano uye kuwana zvinhu zvakafanira mari kutenga musha.

Anomukweretesa Masangano yemanyorero kudzora dzemaitirwe kuitwa mari kuburikidza rwezvemabhengi sero pakati mapato. In ngozi iyi vakagovera chikwereti mari uye pakutanga mari. Havagoni kuwanwa kusvikira pakuguma kuchinjwa muridzi kodzero dzimba. Kana mutengi anova muridzi itsva mekamuri uye kuwana tsamba yake, mutengesi achakwanisa mubve mari yavo kubva dzakachengeteka-dhipoziti bhokisi.

A chikwereti kutenga Resale zvivako

Zvinofanira kuwana chikwereti imwe imba, wechipiri-ruoko, ine mikana:

1. Mushure kutengeserana mekamuri inogona kushandiswa pakarepo kugara.
2. Buy Resale pfuma iri nyore zvikuru, sezvo rwezvemabhengi zvikoro zvakawanda achida vanokweretesawo ino chaiyo chidimbu kubva pamusika.
3. Accommodation anogona kusarudzwa chero yakakunakira nzvimbo uye nzvimbo.
4. ehupfumi kwakadaro kazhinji yakavakwa hwakasimba zvokuvakisa, saka kwenguva upenyu basa uye vanosangana zvose zvinodiwa.

Zvinofanira kuwana chikwereti pamusika dzisiri nhasi, vagari vakawanda vanofarira. Kazhinji mabhanga kupa vatengi akanaka ezvinhu kuti kunyoresa chikwereti kuzotenga mufurati ichi. The chikuru ndechokuti chikwereti huwandu haasi yepamusoro zvikuru kupfuura mari wasarudza Real Estate. Nemamwe mashoko, mukwereti vanofanira kukwanisa pakarepo kubhadhara kubva 15-35% ukoshi hwayo.

Pakati pezvimwe zvinhu, hazvibviri kuwana chikwereti imwe pfuma kuti asingaiti zvinodiwa kuti kubhengi. Somuenzaniso, musika wacho yechipiri inofanira kuva zvakanaka. Mufurati mumba kuti yakaparadzwa, chikwereti haazovanzwiri. Ndicho chikonzero anokwereta vachafanira kubhadhara yakawanda nguva zvokuwana dzimba.

Chii magwaro anodiwa kuti chikwereti iri mari Bank?

zvakafanira kuti agadzirire pasuru magwaro, iro rakaumbwa zvinotevera kuchengetedzeka kuti chikwereti kutenga mufurati iri mari Bank:

• mapasipoti;
• mashoko zvakaoma pasi fomu 2-gomba;
• mamwe zvitupa: pasipoti, mudyandigere, uto chitupa, chitupa chokutyaira;
• basa zvinyorwa.

Panzvimbo gomba anokwereta anekodzero pasi gwaro kubhengi mharidzo. Anozadza waaishandira, kuunza mashoko pamusoro mari, nokureba mushandi yokupedzisira mwedzi mitanhatu uye akabata. Kumboda kushandisa kudaro pachake, kana kuti sangano havagoni kupa mwero mashoko mugomba-2. Asi chii zvinyorwa zvinodiwa kuti chikwereti iri mari Bank, zvimwe pane Vakaverengwa? Tsika zvemari kunogona kusimbisa mashoko kubvunza yeGmail.END_STRONG kupa mamwe mapepa.

How kuwana chikwereti chikwereti pamwe nehurumende rutsigiro?

Mortgage pamwe wehurumende rutsigiro rakagadzirirwa kubatsira vanotambura mapoka uye mari shoma vagari. nezvinangwa Program - kuwedzera vanotenga simba vanhu uye nekusimudzira kuvakwa zvivako zvitsva kuvanhu. Zvisinei, chikwereti nehurumende haibvumiri kutenga wechipiri mudzimba. Wana chikwereti mari chete kuva pamusoro pfuma iri kuvakwa mudzimba uye dzimba.

Kubatanidzwa chirongwa ichi vari mabhanga makuru akawanda - "Kuwanika", "VTB 24", Sberbank, "Gazprombank" uye vamwe. Asi zvinofanira kunzwisiswa kuti ichi nyaya chikwereti kuchangoita Developers avo kuburikidza kudyidzana pamwe nemasangano zvemari kana hurumende masangano.

mumwe mogeji chikwereti mari

Vanhu vakawanda havazivi kuti kune mari mortgages vachafanira vanozviparira ari huye chikwereti kufarirwa. Kazhinji maitiro ichi zvinotungamirira kuti anokwereta zvisiri dzaona zvizere Mari mufurati. Somugumisiro, vari anonetswa mune ramangwana kubhadhara chikwereti chako.

Kana kutenga musha ari chikwereti mari mabasa akasiyana kuti anogona siyana pakati 3-10% pfuma ukoshi. Somuenzaniso, undoraira dzimwe mabhanga vachibhadharisa pakuchinja kuongorora kushanda kwenguva mogeji. Uyezve, kana chevanorwara zvemari anokundikana pakuita chikwereti inobhadharwa akakwereta kudzorera mari rotsva.

Mukuru zvimiso Kunyoresa chikwereti chikwereti - yakazvimirira tinyatsonzwisisa kuti vawana pfuma. nzira iyi rinoitwa kuti huwandu chikwereti. Kakawanda, mabhengi vari kare pamwe nevamwe evaluators. Naizvozvo, kuti nemhosva haana kutsvaka nyanzvi. Zvisinei, basa iri kubhadhara anenge 5-20 thous. Rubles.

Uchava zvichiripo forogo kubuda inishuwarenzi. Under mutemo ano, kana kutenga mufurati unofanira uzvidzivirire kurasikirwa pfuma uye kukuvara. Pamusoro nemabhangi anogona kuramba kugamuchira chikwereti, kana anokwereta asingadi inishuwarenzi zita kuti furati, uye upenyu. Saka, insurers vacharamba kubhadhara zvishoma muzana mutengo pokugara.

Zvinofanira kurangarirwa, uye pamusoro mamwe mari mari nemasangano nekuti risi sero, waya kuchinjwa kana kurega mari. Kana paine matambudziko pamuripo chikwereti, kubhangi ucharaira Zvirango uye mubereko. Zvinokurudzirwa kudzivisa mamiriro ezvinhu akadaro kuti vadzivise matambudziko.

mhedziso

Usati atore chikwereti, funga zvakanaka zvose zvakaipira chisarudzo ichi. Zvichida iye zvino mutoro uyu zvemari Saka, zvingava sokusingatsungiririki, nani kumirira mukana nguva. Chokwadi, kuverenga zvose mari kana kuwana chikwereti ndechokungoti zvisingaitiki. Asi kana waita izvozvo chikwereti anofanira hazvo kufunga mhuri bhajeti uye contingencies.