Kubweza mothandizidwa ndi boma: Sberbank la Russia. Feedback za pulogalamu ndi zinthu nawo

Nzika Russian kubweza, pa dzanja limodzi, ndi mwayi kokha kupeza nyumba ina - yaitali ngongole. Vuto la 2015 wakumanitsa kwambiri mwayi kupereka gawo loyamba. Kwa amene sikungathetse vutolo, nchito banki zachitika pulogalamu ngongole bajeti. Zambiri zimene ndi kubweza ndi boma (Sberbank la Russia), pansi pa zikhalidwe zomwe ndi amene wapatsidwa ngongole werenganibe.

ziwerengero

Kubweza mu ndalama Bank ndi boma, mawu amene ali osiyana mu dera lililonse, chotchuka kwambiri. masabata awiri pambuyo chiyambi cha pulogalamu (18.03.2015) kokha North Caucasus oposa 150 ofunsira anali anagonjera. Sberbank akaganizira makasitomala amene kugula nyumba mu nyumba yatsopano. The pazipita ngongole kuchuluka ndi miliyoni 8 rubles chifukwa likulu ndi St. Petersburg, m'madera ena - 3 miliyoni rubles. Nyumba anagulitsa yokhayo mabungwe alamulo zatulutsidwa mu chuma chenicheni. Chiopsezo borrowers amachepa. Iwo safunika ina zina. Kutsimikiza chinthu kungakhale mwachindunji mu dipatimenti ya Sberbank la Russia.

Kubweza mothandizidwa ndi boma adzakhala chomveka mpaka mapeto a February 2016. Panthawi imeneyi, iwo ankafuna kuti kupereka ngongole okwana biliyoni 225 rubles. Monga wa November 30, 2015, izo chikalata ngongole kwa biliyoni 180 rubles. ndi 1.5 zikwi. ofunsira. Pafupifupi 30% ya ndalama Bank mankhwala kubweza anapereka pansi dongosolo latsopano.

Cholinga cha pulogalamuyi

1. Chepetsani zomangamanga.
2. Thandizeni nzika kuthetsa vutolo nyumba.

Sberbank: kubweza mothandizidwa ndi boma

zinthu disbursement ali ophweka:

• malipiro: 20% ya mtengo wa nyumba.
• Akuti: zaka 1-30 (Ponena).
• chiwongola dzanja: kuchokera 11,9% mu rubles.
• Osachepera ngongole kuchuluka: 45 000 rubles.
• Zolemba malire kuchuluka: 3 miliyoni 8 rubles. (Malinga dera).

ngongole ali operekedwa rubles belo anapeza malo. Anthu likulu ndi St. Petersburg angayembekezere rubles miliyoni 8. anthu ena akhoza kutenga ngongole kwa okwana rubles 3 miliyoni. Sankhani chinthu akhoza kukhala pakati pa nyumba uyenera kumangidwira, okonzeka zopangidwa nyumba kapena kwa mavenda zatulutsidwa. Kutsiriza tsiku malo zilibe kanthu. Documents pa chipinda osankhidwa ayenera kuperekedwa palibe pasanafike 60 Patapita masiku chiphaso cha kuyambirira zochita zabwino. Komanso, bungwe kukongoza Pakufunika nkhani ya inshuwalansi ndi moyo wa ogula. Min Voterani ndalama Bank kubweza ndi boma ndi 11,9%. Sizisintha pambuyo kulembetsa wa chinthu. Koma zimakhudza kukula kwa malipiro, nthawi ya pulogalamu, umembala mu ntchito malipiro, 'wabwino "ngongole mbiri m'mbuyomu. ngongole popanda ntchito. Mwa ndalama zina ingakhale monga iyi: chindapusa misonkhano inshuwalansi moyo ndipo Kafukufuku wa chinthu yotengedwa, notarization mapepala.

Zimafunika wobwereka ndi

• Age: osachepera zaka 21, pazipita - 55 zaka (akazi) 60 (Amuna).
• Russian pasipoti.
• Experience mu malo otsiriza a ntchito: miyezi 6.
• Total kuntchito: miyezi 12.

Kasitomala adzakhala ndi kukopa co-borrowers (pabanja, achibale ndi anzake). Izi zidzathandiza tisaletse katundu ngongole. Zoposa "othandizira", ndi apamwamba a ndalama okwana amene anatsimikiza ndi pazipita kuchuluka kwa ngongole ya.

The aligorivimu

Kugwiritsa ntchito potengapo mbali mu pulogalamuyi "kubweza ndi boma thandizo (Sberbank la Russia)", muyenera:

1. Lembani mawonekedwe, ndi chitsanzo cha zomwe ali pa webusaiti ndalama bungwe.
2. Sungani muyezo ya zikalata onse: pasipoti buku, deta pa abwana ake, 2-DZENJE.
3. Perekani pepala kwa nthambi iliyonse ya Sberbank la Russia.
4. Ndikuyembekezera kusankha banki.

Mu yomweyi, m'pofunika kusonkhanitsa akonzedwa yachiwiri zikalata limene limafotokoza katundu anapeza. Nthawi zambiri ntchito ngati ina. kawirikawiri mungagwirizane mabanki monga ina nyumba zina. Malinga amenewa chinthu kupereka: kalata ya kalembera, malonda ndi kugula pangano, cadastral pasipoti, ndi kufunsitsa za pakalibe ngongole kubweza zofunikira anthu, nkhani Alendi.

gulu

Kodi mabanki angathe apereke mankhwala "kubweza ndi boma"? Ndalama Bank, "VTB 24", "Gazprom", "Deltacredit", "Bank of Moscow", "Rab". Chilakolako nawo pulogalamu anasonyeza 30 si lalikulu kokha komanso mabanki yaing'ono. The gawo la mabungwe a zachuma boma akumeneko, komanso "Kulankhulana banki", "Absolut Bank", "Kubadwa Kwatsopano" ngongole nkhani mbali yaikulu ya anakonza rubles 400 miliyoni. Anthu oposa theka la ndalama izi Kuyamikira kwa Sberbank. Kubweza mothandizidwa ndi boma pa mavuto wakale 2008-2009 ankachita pokha kudzera "VTB". Kusankha kosamalira ndalama sikumangotikhudza mfundo za ngongole ya. Malamulo awa chopezera ndalama. Wobwereka adzakhala kulipira osachepera 11,9% pa annum cha kuchuluka. Chipukuta misozi pazipita amene mabanki angathe kudalira boma, ndi 5.5%. Utumiki wa Finance ali allocated ku bajeti boma rubles 20 biliyoni ndalama polojekiti. Popeza kuti mapeto a 2015 sanali anaphedwa dongosolo, tsiku pulogalamu atapita imakula.

zotsatira

Chifukwa pulogalamu "kubweza ndi boma" (ndalama Bank of Russia) ndi lidakagwiritsidwabe, kulonga n'cigwagwa zotsatira panobe. Pamene inu mukhoza kulankhula za malonda a mphamvu malo. Kotero, pafupifupi onse kutukula kwa April 2015 panali kuwonjezeka lakuthwa chiwerengero cha zimenezi anasaina malonda. Gulu loyamba la pulogalamu anayamba kusonkhanitsa zikalata January chaka chatha, koma kulephereka kuphedwa kwa tagwirizana kukhazikitsa mankhwala atsopano. Choyamba kulowa mapangano ndi bajeti osachepera. The ngongole kuwatengera anthu amene akudalira alipire oyambirira (umene ndalama sizinali choncho yapamwamba), komanso anthu amene anasaina pangano yochepa (zaka 3-5) kuti si kulipira chidwi.

Pakati pa chaka anayamba kutuluka makasitomala amene akhala eyeing nyumba mu nyumba yatsopano. Ngakhale kufunika yafupika, mwezi uliwonse osiyanasiyana malo ikutha. Izi zimaonekera makamaka pa siteji mkulu wa zinthu okonzeka, amene anagulitsa nyumba kwa zaka zingapo.

Features

Ambiri amachita ndi kudzera Sberbank. Kubweza mothandizidwa ndi boma, Ndithudi, anthu kutero kufunika kwa malo. Koma pali makasitomala amene ngakhale dontho lakuthwa mu ruble, kukonzekera kuti apereke ngongole ngakhale pa zinthu muyezo. Ngati makasitomala kale ndi kutichitira Sberbank, chifukwa panali mtengo wotsikitsitsa, inu tsopano kupeza kalata yomasulira, iwo akutsatira kuti mabungwe ena, osati pa dziko la maphunzirowa.

zinthu Program zinasintha. Poyamba, zinali zotheka kuti abweze ngongole kwa zaka 75 zakubadwa. Tsopano ife anapereka latsopano pakhomo - zaka 60 chifukwa amuna ndi 55 - akazi. Malinga ndi Ogulitsa ndi Kutsatsa Nyumba, avereji ya wobwereka - zaka 25-35, ndi mgwirizano ndi makamaka kwa zaka 10-15.

finpodderzhka zina

Ndiyenera atenge kubweza Sberbank mothandizidwa ndi boma? Pa funso lililonse wobwereka ingathandize udindo yekha. Kutukula komanso kulimbana iliyonse makasitomala. Kuti zimenezi zitheke, iwo akupanga dongosolo lawo kukhulupirika. Ena a iwo ndi opindulitsa Sberbank pulogalamu.

Mwachitsanzo, FGC "Mtsogoleri" ndi banki "Oyamba" anayambitsa ntchito subsidy, osati boma komanso mapulogalamu a. Terms ndi zinthu ziri motere: M'chaka choyamba kasitomala amalipira cent 8 kapena 10 pa pa annum, malingana ndi kuchuluka kwa malipiro. Kuyambira chaka chachiwiri mlingo limatuluka kuti 11,95% kapena mpaka ku mlingo, amene adzadzipereka banki, malingana ndi malo wobwereka za chuma. Mawu akhoza linapereka munthu pazipita zaka 30.

CC "Mtsogoleri Gulu" akuchita kampeni kwa anthu a likulu. Ogula malo kotala "Mtsogoleri Park" zitaganya "City Chimwemwe" ndi "mazunzo-City" ndi kuchotsera 12% wa mtengo okwana katundu, ngati nyumba ndi kuthi pansi pa mawu a kubweza lapansi. Kodi makamaka ngongole bungwe adzakhala kudwala, zilibe kanthu.

"Khimki Magulu" zina kuwathandiza mlingo ndi gawo limodzi. Kuti, ngati kubweza ndi linapereka thandizo pulogalamu boma, kasitomala sapereka kwa 11,9% ndipo 11%. "City-XXI Century" ndi "Absolut Bank" kukhazikitsa dongosolo Othandizana kwa ogulidwa nyumba mu zovuta "Mitundu Moyo" pa 11,5%. Urban Gulu anapezerapo zomangidwazo "Support kuti boma thandizo", imene onse mlingo ophunzira yafupika ndi anayi pa zana.

Sberbank. Kubweza mothandizidwa ndi boma: Ndemanga

The drawback lalikulu, lomwe ikusonyezedwa ndi gulu la msonkhanowu, - kusankha ka malo. Mu zatulutsidwa ndi Sberbank borrowers mpweya mitengo nyumba. Ndipo ngati inu kugula nyumba kudzera kampani ina, mlingo kwambiri. The chachiwiri vuto - mkulu koyamba malipiro. Mu mgwirizano wa pulogalamu muyezo wobwereka angapange 10% mu mawonekedwe a katapila. Tsopano chithunzi ichi chawonjezeka mpaka 20%. Izi zikutanthauza kuti ngati pamaso pa anthu chikanathandiza "kopeck chidutswa" m'dera zogona, tsopano zovuta angakwanitse wina kuchipinda nyumba kapena situdiyo nyumba. Wina chopunthwitsa - ndi chiwongola dzanja. Ndipotu zikuchulukirachulukira ndi 1%. A mawerengedwe a kubweza ndi boma. Sberbank ndi wokonzeka kupereka ngongole kwa makasitomala pa 11,9%. Mu chofunika izi mapeto a mgwirizano wa inshuwalansi moyo wa wobwereka kwa osachepera 1 chaka. Patatha miyezi 12, wobwereka ayenera adzikonzenso inshuwalansi, mwinamwake mtengo adzakhala zomwe 12.9%.

Pa nthawi yomweyo, borrowers kuti mbali positive. Choyamba, kukonzekera gawo la zolembalemba onse nawo woyang'anira banki. Makasitomala kuoneka yekha kwa kusaina mgwirizano. Chachiwiri, ngakhale ndi malipiro inshuwalansi malipiro mwezi ndi pang'ono kuposa nyumba kwa nyumba zofanana.

pansi

pulogalamu bajeti limakupatsani kugula katundu pa mtengo ŵakwenera chidwi (by 11,9%) kwa zaka 30. Borrowers nawobe kugwiritsa ntchito umayi likulu kuphimba mbali ya ngongole kenako kupeza deduction msonkho. Koma pulogalamu ali ndi zovuta zake. Choyamba, owerengeka magombe nawo. Pali 30. yekha Koma de A facto m'midzi akuzigawo akhoza ntchito kokha mu "VTB 24" ndi Bank ndalama. The chachiwiri - malipiro koyamba 20%. Yerekezerani, mu "TCB" mkati pulogalamu yofanana boma angalandire ngongole, kulipira malipiro pasadakhale 15%. Komano, ndalamazo adzapanga wobwereka angathe monga malipiro, m'munsi chiwongola dzanja pa iye akhoza kuwerenga.