Udindo likulu kholo. Zanyumba pansi thandizo boma

Masiku ano, makolo ambiri amadabwa funso: "choyenera likulu kholo Kodi lili ndi wobwereka?" zina zambiri ndi zothandiza mungazipeze m'nkhani ino.

ngongole Capital

Kubwereka ku banki pansi pa kapitalla akuchikazi zotheka, koma kwa ogulidwa, kumanga kapena kumanganso nyumba. Malinga ndi 256-FZ, simungathe ntchito boma thandizo la ndalama kuti apeze ogula ngongole. ogula imatengedwa kuti ndi ngongole kwa ogulidwa mipando, zipangizo banja, kuyenda ndi ngongole galimoto.

Muli ndi udindo pa likulu kholo?

Ngati mukufuna nthawi yaitali ngongole ndi thandizo la ndalama pagulu, tiyenera kupereka banki satifiketi ndi satifiketi (wosindikiza Fund ndi penshioni) za kukhalapo kapena bwino likulu kholo. The bungwe ndalama akulingalira ofunsira ndi kubweza / ngongole kwa 2 ndi 7 masiku ntchito. Nyumbayi ayenera kukhala kunja kwa nyumbayo, ndipo makolo ndi ana. Ngati vuto limeneli si anakumana (palibe kalembera wa nyumba / nyumba kwa banja lonse, kwa munthu mmodzi yekha), kenako zimadza udindo mogwirizana ndi malamulo a boma latsopano la Russia. Muyenera kukaona odziwitsa ndi kudzipereka analembera likulu akuchikazi.

Kodi mikhalidwe chikalata kubweza likulu akuchikazi?

- The kuchuluka koyamba chopereka angafikire 10% wa mtengo okwana nyumba.

- Zolemba nthawi ngongole angafikire zaka 30.

- Guarantors safunikira.

- The chiwongola dzanja, mukatsatira mfundo za inshuwalansi, kuchokera 9,5% 12% pa annum. Ngati mwaganiza kuchita popanda inshuwalansi, pamene 10% 12%. Koma kuchuluka chomaliza mmene zinthu zilili payekha.

- The chinthu chachikulu - kulemba ndi notarize udindo pa likulu kholo.

Ndondomeko kuwerengetsa kuchuluka

Pamaziko a luso kasitomala kulipira ogwira ntchito za bungwe ndalama masamu zimene kuchuluka kwa kubweza kukongoza adzatha kupereka banki. Kuti ndalama likulu umayi lolunjika pa malipiro woyamba kapena alipire wa kubweza, pamodzi ndi ntchito muyenera kupereka kalata kwa Bank ndalama.

The ngongole pa umayi likulu ku Bank ndi ndalama, umalimbana yomanga nyumba

Bank amapereka mwayi kuyamba kumanga latsopano kapena kugula nyumba ndi nyumba yomangidwa kumene kale ntchito boma thandizo. Komanso, umayi likulu angagwiritsidwe ntchito ngati malipiro, ndi kupita kwa alipire pang'onopang'ono kuchuluka lonse.

ndalama kutengerapo

Patapita miyezi isanu kuchokera tsiku kulembetsa ndi kukondweretsa pempho kwa kubweza, muyenera kulemba ntchito kwa Fund ndi penshioni pa kulanda likulu ndalama akuchikazi kuti kubanki. Ine dziwani kuti zinthu izi ntchito ku gawo lonse la Russia.

Zanyumba pansi apakati likulu - kopindulitsa?

Poyerekeza ndi ochiritsira kubweza ngongole wandale kuthandiza opindulitsa. Zilibe kanthu, kumanga kapena kugula mudzakhala nyumba. Yabwino ngongole kwa umayi likulu ku Bank ndi ndalama kuti simuyenera kupeza ndalama malipiro - muli kalata yothetsera. N'zotheka ndi zotsatirazi mungachite: gawo loyamba la ufulu kholo likulu pa zopereka yoyamba, ndipo chachiwiri - pa malipiro chidwi. Koma ovomerezeka njira si nthawi zonse, chirichonse kumadalira luso kulipira.