Mpaka m'badwo kupereka ngongole ya nyumba? Zanyumba akuluakulu

Ngati mukufuna kugula nyumba kapena tchuthi panyumba tsopano, koma ndiribe okwanira kuchuluka kwa ndalama, inu ndi njira imodzi yokha kuchokera - kugulira nyumba. Mpaka zaka zimene zapatsidwa mu "Ndalama Bank" ndi mabungwe ena azachuma ngati ngongole? Ndipo kodi n'zotheka kuzindikira loto lake, ngakhale akapuma?

M'nkhani ino tidzayesetsa awa ndi zina mafunso. Choncho, ngati inunso simukudziwa chimene zaka kupereka ngongole ya nyumba, kuwerenga bwinobwino.

Chifukwa zaka amakhudza kubweza ndi

Choyamba, tiyeni tikambirane za chifukwa m'badwo malire pa nkhani imeneyi ndi yofunika kwambiri mwakuti mabanki.

Poganizira za kugula nyumba zawo wina akubwera njira zake panthawi zosiyanasiyana. Wina okonzeka kusamuka overage ana kapena mphatso kwa zidzukulu zake. Ndipo munthu wasankha ngakhale mu ukalamba wake kusintha zinthu zawo amoyo ndi kukhala motakasuka. Kaya chifukwa yothetsera zabwino ndi kukhazikitsa ndalama kuti apereke kubweza ndi kudzadalira makamaka pa mlingo sikhala ndalama kasitomala mu zaka 10-20. Izi ndi zomveka. Ndipotu, kubweza amafuna ndithu ndalama zankhaninkhani, ndi mawu a alipire lidakali nthawi zina zana kotala.

Nthawi zambiri, zaka malire kwa issuance wa akonzedwa kubweza pa 18-60 (55) zakubadwa. Koma kuti ndi zogwirizana ndi makasitomala a misinkhu yosiyanasiyana pa ogwira ntchito ku banki ndi osokoneza kwambiri.

M'badwo bwino chopezera kubweza imatengedwa zaka 35-45. Inali nthawi imeneyi moyo wake, munthu kufika khola malo chuma, ndi mwachangu kumanga ntchito. Pali zaka akadali ambiri kukhala ndi zofuna zawo. Ndi khama onse umalimbana patsogolo zikhalidwe ndi khalidwe la moyo.

Patatha zaka makumi asanu a moyo wa munthu umayamba kukula mu mavuto ena. Ikufotokoza yankho la funso wa zaka akapereka kugulira nyumba. Choyamba, akupitirizabe akamayandikira zaka zopuma pantchito, ndipo motero, ayenera ntchito yatha. Kuchuluka chiopsezo cha kupunduka chifukwa matenda a chilema. Ndiponso, palibe chinsinsi chimene ntchito ya imfa zachilengedwe pambuyo pa zaka 60 za likuchuluka. Izi ndi zifukwa zina, magombe amakakamizidwa kutsatira malire chapamwamba malire zaka chifukwa kubweza ngongoleyo.

Mpaka m'badwo mukhoza kupeza ngongole?

Kawirikawiri, ndi a pantchito ya munthu wotaya zina magwero a ndalama zimathera ntchito. Kotero, molingana ndi mabanki, nthawi imene choyenera zina munthu ayenera kulipira alipo kubweza ngongoleyo. Kotero kuti mu mawerengedwe a ndalama zonse, ndi wokongoza wofunitsitsa kusunga mu nthawi kuchokera pa nthawi ya kalembera ndi pamaso pa ola "X". Zochita izi zikutanthauza kuti liwu ngongole wakhala likunena amachepetsa ngati zaka kuwonjezeka kwa wobwereka lapansi.

Pano pali chitsanzo:

mabungwe Financial kupereka zanyumba wa zaka 25. Pakuti ngongole zimapangitsa munthu zaka 50 zakubadwa. Popeza mpaka pantchito ntchito zaka 10, nthawi pazipita amene kubweza ndi zotheka chilolezo chifukwa ali ndi zaka 10 zokha. Kumene, mu nkhani iyi, ndi mwezi malipiro kuchuluka kwa ndalama aukhondo, ndi kukhala ndi ndalama zokwanira kulimbana ndi zachuma.

Komabe nthawi zina mabanki akupanga zokambirana. Ngati kasitomala ali maumboni kwambiri, mkulu mlingo wa ndalama, mwayi kuitana co-borrowers mu mgwirizano kapena kupereka ina yabwino, wokongoza akhoza kupita kukakumana naye pang'ono kuwonjezera kubweza kukongoza. Komabe, akuchuluka ndi kawirikawiri zaka zoposa 5-6.

Kubweza kukongoza patatha zaka 40

Ngakhale kuti mabanki ali tcheru kwambiri kwa zaka wobwereka ndi, zanyumba kwa anthu okalamba akadali zotheka. Ena mabungwe a zachuma zikukwaniritsidwa zochitika zapadera ngongole, kulola kuti apereke nyumba ngongole kwa zaka 20. Pankhaniyi nthawi zambiri kuika patsogolo chikhalidwe chimene nthawi ya alipire wodzala wobwereka ayenera psiti kuposa zaka 75.

Kutenga nawo mbali mu pulogalamuyi ngongole sangathe nzika zonse akamayandikira zaka zopuma pantchito. Pali i angapo kuti akhoza ndithu kusankha banki kuti apereke ngongole. Zanyumba akuluakulu N'kutheka mu Zikatero:

1. Wobwereka kupitiriza kugwira ntchito ngakhale akapuma wanu. okhazikika kupeza ndalama zina kumafunika kuti kuwonjezera mwayi pamaso pa wobwereketsayo.
2. Kasitomala ali banja, alibe ana, ndi mitundu yosiyanasiyana ya wodalira. Banks amakonda mabanja, anthu umodzi. Inde, mu nkhani iyi, ndalama okwana kwa banja ndasintha, choncho amachepetsa chiopsezo ndalama ofikira.
3. Pensioner akugwirizira pa umwini wa malo, okwanira zina ndalama chikole cha. Ngati yopereka ina adzakhala ndi mkulu liquidity, ndi pensioner ndi wokhoza kuti apereke zanyumba, komanso kulandira zinthu zabwino ngongole.
4. The zaka wobwereka pantchito angathe kukopa okwanira guarantors zosungunulira (co-borrowers). Nthawi zambiri, monga "ukutitsimikizira" ana, zidzukulu kapena achibale ena. Komanso, pamaso zimakhalira mu nkhani iyi ndi lofunika. Ichi ndi chifukwa chakuti mu nkhani ya imfa ya udindo wobwereka kubwezera anapeza kubweza kwa co-wobwereka.

Komanso, guarantor tisatongwa makhalidwe ena:

• kukhala a msinkhu wogwira ntchito;
• ndi zabwino ngongole mbiri;
• atsimikizire mkulu mlingo wa solvency.

Banks ndi pensioner

Mwachitsanzo, tiyeni tiyang'ane pa zaka zimene kupereka kubweza pa nyumba ku mabanki osiyanasiyana Russia.

Zofunikira kuyeza ambiri kwa zaka "Alfa Bank." Pali akhonza kumupatsa munthu kubweza kukachitika kuti pa nthawi ya kukhwima ake wobwereka akutembenukira zaka 54-59 (kwa akazi ndi amuna, motero).

Mpaka zaka 55 (akazi) ndi zaka 60 (Amuna) ali okonzeka kudikira mu "Rosbank", "Metallinvestbank" ndi "Bank of Moscow".

akale Standard zaka 65 - zaka malire kwa kalembera wa kubweza ya mu "Uralsib", "Katswiri Bank", "IBC", "Nico Bank", "CSC" ndipo ena mabungwe a zachuma. Ndiko kuti ndi zingati inu tiyenera kudzaza mpaka nthawi imene nkhani kuthetsa wa bungwe ngongole adzachita malipiro komaliza kubweza lapansi.

Wokhulupirika chikutanthauza "VTB 24" ndi "ndalama Bank". Mu okonzeka woyamba kudikira mpaka tsiku la 70 la wobwereka, ndipo lachiwiri mpaka iye anatembenuka 75.

Nanga mukufuna anapuma

Ndi kupereka zanyumba kuti mabanki ena m'badwo chiyani? Pakati ambiri mabungwe a zachuma ndi ngongole, kubweza kukongoza alipo akuluakulu, makamaka awa:

• "Gazprombank";
• "Ulimi Bank";
• "Admiralty";
• "TCB" ndi ena.

Kodi kupita, izo zimatengera inu. Ngati anakana ku banki wina, palibe angaletse inu kulankhula ndi ena.

Zanyumba mu "Bank ndalama"

Tiyeni tione pa mawu kubweza kwa pensioners mu "Ndalama Bank". Apa kwa anthu okalamba, muli mitundu yambiri ya mapulogalamu:

• zaka 55/60 kwa akazi ndi amuna, motero - ngongole njira kubweza mothandizidwa ndi boma;
• zaka 45 - mu zanyumba pa polojekiti zankhondo;
• zaka 75 - pulogalamu amapereka Kumangidwa kwa dziko nyumba, komanso kugula nyumba mu nyumba zatsopano kapena kumsika sekondale.

Mwa m'malo ena likusonyeza mfundo ziwiri: malipiro ndi utumiki mosalekeza ntchito. Kutengera pa mlingo ndalama akaphatikiza anatsimikiza ndi kuchuluka kwa ngongole, ndi nthawi yake ndi kufunika ina zina. Moyo wautali ndi kufufuzidwa kwa bata ndi kupitiriza.

Mapulogalamu onse, chiwongola dzanja mu "Ndalama Bank" pamwamba pa mlingo umodzi ndipo ndi 12,5%.

Kodi kukhala pensioner?

Ngati simukudziwa chimene zaka kupereka kubweza mu njira imodzi kapena bungwe lina la ndalama, njira yodalirika - monga ntchito. Ngakhale ngati zaka zanu zikubweretsa nkhawa kwambiri muyenera adzapatsidwa mwayi njira zosachepera ziwiri vuto la:

• kukatenga pulogalamu, zomwe zikusonyeza mphamvu kubweza kubweza pambuyo pantchito;
• anadzipereka kuti apereke muyezo pangano chiwerengero cha zaka yatsala ora lolonjezedwa.

Pa ena a iwo kukhala mapeto - izo ndithudi inu. Koma kodi muyenera kubweza ndi? Malire zaka sadzakhala chopinga okha kukonzekera. zinthu ngongole kwa borrowers akulu ndi zosiyana kwambiri ndi zimene adzapelekedwa kwa achinyamata:

• ngongole akuti ndi kawirikawiri kuposa zaka 15;
• osachepera malipiro koyamba nthawi ziwonjezeke kwa 20-25%.

Komanso, inu nthawizonse adzakhala anafunsa kutsimikiza moyo ndi thanzi. Koma mtengo wake ngati lamulo adzauka mphoto mogwirizana ndi msinkhu wanu. Kotero pamene inu kupanga kubweza ngongole ali okhwima ayenera kufufuza "ubwino" ndi "kuipa." Zikuoneka kuti mfundo zoipa adzakhala ndi mungakonde kuti angakonze kubweza membala achinyamata banja.