Kodi zinthu kupereka zanyumba: zikalata, mbali ndi ayamikira

Zokhudza nkhani za mikhalidwe imene amapereka kubweza, chidwi cha anthu ambiri masiku ano. Ndipo munthu aliyense amene akufuna kukhala ndi denga pamwamba pa mutu wanu, kamodzi, koma ndimaganiza za nkhani imeneyi. Ambiri amaopa chakuti kubweza sangakhale nalo. Chabwino, Zikatero kuchitika, ngakhale kawirikawiri. Koma ndi zoona kuti kubweza ngongole ndi kopindulitsa mabanki. Choncho, iwo amathandiza kwambiri anthu amene yofunsira thandizo la ndalama. Komabe, ndi bwino kudziwa za zinthu.

zasungidwa

Mmene kumene wobwereka ingathandize solvency, ogwira ntchito ku banki ndi chidwi kwambiri. Kodi zinthu kupereka zanyumba? Anthu amene banki kasitomala amapezera bwino ndipo angathe kupereka zopeza zawo (theka zambiri) ngati alipire ngongole.

Mu maso a munthu gombe akhoza kuoneka mu kuwala bwino, ngati iye ntchito mu Labor Code, ndi maphunziro apamwamba ndi ntchito mu malo amodzi osachepera chaka. Amalonda "kulandira" monyinyirika kuganizira munthu malonda yowopsa ntchito.

ndalama adzakhala ndi kutsimikiza mawu. Pali zikalata anayi, analandira mwa gombe. mawu awa a mtundu wa abwana ake, 2-DZENJE, umboni wa ndalama mu mawonekedwe a kubanki ndi umboni wa anati mwezi kulandira ndalama. "Traditional" makasitomala kubwereka 2-DZENJE. Ichi ndi chikalata bwino, zimene ndalama ndi mwachindunji kwa nthawi zina - n'zotheka mme- mphamvu ndi kukhazikika kuti banki ndi ofunika.

amafuna ambiri

Akulankhula za zinthu pansi amene amapereka kubweza pa nyumbayo, tisaiwale tcheru kuti zinthu onse. Kotero, apa ndi zofunika kuti munthu amene akufuna kukonza nyumba ngongole, ayenera kutsatira:

• Iye ayenera kukhala nzika ya la Russia.
• The zaka osachepera wobwereka ndi - zaka 21.
• Zolemba - 65 pa nthawi ya alipire. Ndiko kuti, ngati munthu akufuna kukhazikitsa nyumba ngongole mu zaka 60, ndiyeno iye yekha kwa zaka 5. Zimenezi ndizo zofuna za anthu a mabanki. Ngakhale "Sovcombank" Mwachitsanzo, zaka zochepa ndi zaka 20, ndipo pazipita - 85.
• Komanso, kasitomala ayenera alembedwa mu dera limene amakoka kukhala nyumba ngongole.
• Total kuntchito - osachepera chaka. Pa ntchito yomaliza - kuchokera miyezi 6.

Apa, mfundo zonse kuti mavuto mabanki kupereka zanyumba. Nthawi zina, pangakhale kuchotserapo. Monga ndi "Sovcombank", mwachitsanzo. Kapena "Gazprombank" ndi "VTB 24", komwe zinachitikira zimawerengeredwa kwa miyezi 4. Koma ambiri, amafuna kuti borrowers ali womwewo.

zikalata

Ngakhale munthu amene amadziwa kanthu za nkhani ya ngongole, akhoza kuganiza kuti 2-DZENJE - si pepala chabe wofunikila kulembetsa ngongole nyumba. Chabwino, m'mikhalidwe palibe kupereka kubweza? pamene zida ufulu ayenera kukhala motere:

• ntchito;
• buku lenileni ndi pasipoti ya;
• SNILS (kope akamavutika);
• Tin satifiketi (original + buku);
• ID nkhondo kapena kulembetsa utumiki - kwa amuna onse a zaka 27;
• zikalata za maphunziro, chikwati, chilekano ndi mgwirizano wa ukwati (ngati);
• pamaso pa ana - umboni wa kubadwa kwawo;
• mpukutu wa buku ntchito, kwenikweni mbiri yabwino ndi abwana ake.

Ichi ndi kuika waukulu zikalata. Iwo amafuna kuti akonze ngati munthu kwambiri chidwi ndi funso cha mmene angakhalire kubweza pa nyumbayo.

Kupereka kugulira nyumba? Pafupifupi aliyense, ndicho chifukwa cha chikalata okalamba kumangako kugonjera ndi satifiketi awo penshioni. Ndipo anthu ndi zokayikitsa mbuyomu - kalata kwa kumwa mankhwala osokoneza bongo / chipatala psycho-ubongo. Koma Bank kuitanitsa mabuku ena - koma ndendende, izo kusinthidwa payekha.

Kodi kupeza?

The zambiri - bwino. The chododometsa! Ndipotu, zingatanthauze, ndi kubweza lakonzedwa kuti anthu amene amafunika chithandizo cha ndalama. Koma amafuna kuti ndipeze ndalama zokwanira - ndi kuyembekezera alipire wa ngongole ndiponso kuwaganizira.

Bwino Komabe, perekani chitsanzo. Ambiri kupita kubweza mu "VTB 24". Makamaka zaphindu pamene zinthu makasitomala banki a. Choncho, tiyeni tinene, munthu anadza kwa kupanga kugulira nyumba. Iye wayang'ana pambuyo nyumba nyumba yatsopano kwa rubles 2 miliyoni. Iwo ali koyamba chopereka - 15% (ndi 300 000 pakani.). Ndipo iye akufuna kukonza nyumba ngongole kwa zaka 5. Pankhaniyi, ndalama zake mwezi akhale za 63 000 rubles. Chifukwa ~ 37.900 iye adzayenera kupatsidwa ngati ngongole kwa zaka zisanu.

Mogwirizana ndi chiwongola dzanja 12.1% pa annum nthawi imeneyi makasitomala adzalipira 2.274.120 rubles ngongole. Overpayment - 574 120 p. Koma chachikulu kuchuluka. Choncho, monga momwe mukuonera, nthawi zochepa ndi malipiro abwino, ndi zotsikirako mtengo ngongole adzakhala.

Mbiri Malipiro

M'pofunikanso kukumbukira tcheru, akulankhula za zinthu pansi amene amapereka kubweza lapansi. A zabwino ngongole mbiri n'kofunika kwambiri kuposa ndalama wabwino. Ndipo zimenezo, pamene magombe ake anafufuza mosamalitsa. Musanayambe amavomereza utumiki kasitomala, iwo kupeza ngati ali ngongole iliyonse pa zimenezi zilipo ngati kupanga ndalama yake ngati malipiro. Ambiri, monga wasonyeza wokha ngati kasitomala. Ngati palibe mbiri ngongole, ndiye chirichonse zimadalira mmene zonse zolembedwa umene wobwereka angathe.

Kodi mtundu wa chuma mungasankhe?

Izi ndi zofunika osanenapo, akulankhula za zinthu pansi amene amapereka kubweza lapansi. Ndi bwino kusankha nyumba, pabwino kutsogolo kwa malo zambiri liftoff. Palibe njira? Ndiye tikhonza kudziwa chinachake, chinthu chachikulu - musati kusankha nyumba m'nyumba mwadzidzidzi achikulire. Chifukwa chakuti "zopempha" a mabanki makasitomala yomweyo kulekeza.

Komabe, malo ndi sanasankhidwe mu malo oyamba. Ndipo pokhapokha chiyanjo isanafike. Koma sitepe akadali zofunika. Chifukwa mwamuna sayenera kugulitsa wotchipa kwambiri ndi aganyali amabweza monga mmene njira yabwino. Pakuti ichi appraiser, mautumiki amene adzayenera adasonkhananso kwa kasitomala. Iye alembetse chuma cikole ndi mtengo wake woikidwiratu. Umene evaluator kuthana? Izi payekha, koma banki ndi ogwirizana ndi mabungwe zogwirizana wa mbiri, kotero si bwino kutenga mutu wanu ndi mafunso zosafunika ndi njira wokonzeka. Komanso, adzakhala imathandizira review ya ofunsira ngongole kunyumba. Chifukwa ogwira ntchito ku banki safuna kukayendera ndi appraiser, iwo sakudziwa.

ndondomeko

Iwo ali otchuka kwambiri lero. Choncho, funso la pansi kodi zinthu kupereka zanyumba mabanja achinyamata, wapatsidwa pafupipafupi. Kotero, apa ndi chakudya chachikulu chimene muyenera kudziwa:

• Pulogalamu "Young banja" tingalandire akazi, ndi zaka omwe si upambana zaka 35.
• Iwo ayenera kusonyeza kuti muyenera kusintha moyo wawo.
• Lomwe amakhala magawanidwe ukufika mfundo dera (6 mamita ² pa munthu).
• Malawi Kodi ziyeneretso ukhondo.
• Banja unayambira ku dera limodzi ndi odwala, amene sikutheka azikhala.

Mwamuna ndi mkazi angathe kupeza thandizo, zomwe cholinga chake ndi kubweza malipiro kapena tsankho malipiro ndalama zoyendetsera ntchito yomanga nyumba yanu, malipiro kunyumba ngongole (kale chikalata), kugula kalasi nyumba chuma.

Ngati ndalama si zotheka kuti atsimikizire?

Ndipo izi chigweranso. Nthawi zina anthu ogwira ntchito mwamwayi, ndalama zabwino kwambiri - izi, zimene zingakhale zokwanira kugulira nyumba. Ndipo, monga tanenera kale, anthu ochepa amene anakana nyumba ngongole. Choncho ngakhale mawu boma la zasungidwa si - uko.

Koma ena mabanki kupereka zanyumba ndi zimene mawu? Yemweyo "VTB 24" Mwachitsanzo:

• 13,1% pa annum;
• zikalata ziwiri (pasipoti ndi kusankha kwachiwiri);
• osachepera malipiro 40%;
• kuchuluka - kuchokera 600 000 miliyoni 30.

Tiyeni tinene, nyumba ofunika miliyoni 3 p. Kuchuluka ngongole adzakhala miliyoni 1.8 rubles, monga anthu 1.2 miliyoni adzapanga ngati 40%. Mwezi uliwonse, iye ayenera kuti apeze za 68.500 rubles kwa zaka 5 kupereka ngongoleyo. A pang'ono kuposa 41 zikwi ayenera kupereka banki ngati ngongole. Kumene, amafuna wowawa, koma pali ubwino. Ambiri, otsalawo mabanki "nadbavochnye" Chiwerengero cha pakalibe zikalata zingasiyane 1 mpaka 5%.

ayamikira

Anthu omwe ali kunja nyumba ngongole, nthawi zambiri kugawana nsonga ndi amene ali pafupi. Ndithu kudziwa mavuto mabanki kupereka zanyumba. Ndipo palichitsanzo chamachitachita Dziwani chidwi pa lomaliza.

1. Mwamtheradi anthu onse Dziwani kuti ndikofunika thamo kwa kuchuluka imene ngongole adzatha molondola kulipira. Zingatanthauze kuti ziri bwino! Koma palibe, ambiri Musaone luso lawo, ouziridwa ndi zolinga zosiyanasiyana, monga "makolo kuthandiza" "mungapeze ntchito yachiwiri", "zolipira urezhem" ndi zina zotero. D. Koma zoona likukhalira zosiyana. Makolo anakulira ana Sapita kuthandiza, podrabotok ndi sayembezereka, ndipo amadya okha buckwheat kovuta. Chifukwa cha zimenezi, onse mavuto ngongole ndi wodetsedwa mbiri ngongole.

2. Nthawi zochepa - bwino. Choncho lingalirani ndi mabanki. Anthu amene amatha kulipira ngongole kwa zaka zingapo, osati 30, ndi wodalirika.

3. Ndipo mmodzi kwambiri pamawu limanena kuti banki, kuwonjezera zikalata zonse chofunikira kubweretsa umboni zina ndalama. Mwachitsanzo, ngati munthu ali ndi nyumba imodzi, ndipo rents izo - inu mukhoza kulingalira, kuwonjezera 2-DZENJE, koma mgwirizano anapangana ndi lendi lapansi. Izi zikutsimikiziridwa ndi ndalama, omwe ndithu m'manja, monga adzatengedwa chifukwa munthu wogwira ntchito ku banki.

Chabwino, ngati inu kuganizira nsonga kukumbukira za pamwamba pa zonse ndi mosamala kunyamula banki - adzakhala apereke ngongole pa mawu yabwino kwambiri.