Kubweza nyumba ngongole: zizindikiro zinthu ndi zofunika. Kukonzanso cha ngongole kubweza nyumba

Zaka zingapo zapitazi, pakati mapulogalamu ena banki pa kufunika mu anthu ambiri mu malo oyamba molimba masamba kubweza kunyumba ngongole. Zimenezi n'zosadabwitsa, chifukwa aliyense amene ali si kulota denga pamwamba pa mutu wake, ndipo iye amene ali pa Seraya, akufuna kuti manja awo pa mamita kwambiri lalikulu. mapulogalamu banki akhoza kumasulira mu zenizeni maloto danga moyo, kotero voliyumu ya ngongole kubweza nyumba ikukula chaka ndi chaka. Koma anasiya kwambiri anthu amene amadziwa za malamulo a kubweza yekha ku nkhani anzanu olakwika anthu.

thandizo

Pofuna kupereka anthu ndi mwayi wa kupeza nyumba, zosiyanasiyana mapulogalamu, monga kukonzanso cha ngongole kubweza nyumba anali anapezerapo. mabungwe ena banki kupereka wosiyana zina, koma yabwino zinthu lililonse. boma kumathandiza kuti mabanki kuti kugwirizana ndi anthu pa kubweza, ndi likulu kholo. Pa mlingo boma, ntchito imene Russia ndi mwayi kugula nyumba pa mawu abwino kwambiri.

Boma wasiya funso osayankhidwa. thupi unakhazikitsidwa ntchito ndi mabungwe kubanki. Iyo imatchedwa AHML - Agency kwa Nyumba kubweza kukongoza. Komanso komanso ntchito Agency kwa kukonzanso cha ngongole kubweza zogona. Pali nyumba dera, malo osiyanasiyana kubweza. Zonsezi zimathandiza anthu kutenga ngongole nyumba lero, ndi chidaliro m'tsogolo ndiponso kuti adzatha kulipira iyo, ngakhale mmene chuma chikuyendera idzasintha.

Yalelo

Tsopano pafupifupi ziyenera a msika kubweza ku Russia - za $ 400 miliyoni, koma angathe chitukuko osachepera kwa mlingo wa $ 30 biliyoni! Izi zikutanthauza kuti zinthu chithandizo cha pulogalamu anthu adzakhala ndi chidwi pa zanyumba, koposa. Banks Zikatero, angayembekezere kukula voliyumu ya wotuluka.

Ziwerengero mwachionekere chikusonyeza kuti kubweza kwa - ichi ndi ambiri zovomerezeka tingawapeze njira kunyumba kugula. Izi ntchito kwa onse, popanda yekha, zigawo za dziko. Tikhoza kunena, opanda ngongole kubweza kunyumba Sberbank mabanja ambiri a iwo ndi denga pamwamba pa mutu wanga tsopano, sanathe kutero ngati opareshoni zimangotanthauza wodzilamulira kudzikundikira mu ochiritsira galasi mtsuko.

Kubweza: a limathetseratu vuto lina lililonse chifukwa mavuto onse?

Ngakhale panopa kukonzanso pulogalamu ya ngongole kubweza nyumba, ochuluka a banki amapereka zinthu zabwino ndiponso angapo makampani odalirika ndalama, akatswiri analimbikitsa kukhala osamala. Iwo akhoza kukhala ndi kubweza yekha njira kwa kuthetsa vuto nyumba.

Ku maganizo a akatswiri, processing okha muzu wa msika panopa ndi kupanga izo dongosolo zosavuta kuchepetsa kusiyana phindu ndi mtengo wa anthu okhala pa mita lalikulu. Itanani kudzera kubweza ngongole zogona ndi mapulogalamu ena kupanga maziko msika oterowo mtundu watsopano. Zizolowezi za ngongole chitukuko cha nyumba ku Russia zisakuyenda wonse kukwaniritsa zofuna za ophunzira awa, koma ali chipinda kukula. Ndithu pulogalamu ogwira adzakhala pamene mmene chuma chikuyendera m'dzikolo ndi wolimba.

Mavuto ndi mavuto

N'chifukwa kusamalira zanyumba sikungathetse vuto la nyumba m'banja? chifukwa chachikulu - ndi mu chuma Kusakhazikika. Mu Russia palibe anakhazikitsa mokwanira milandu, malamulo banki dongosolo. Lero, ndi chidwi pa mapulogalamu ngongole thambo mkulu, ndi ufulu amayenda nyumba monga palibe. Mitengo gawo zongopeka nyumba kwenikweni olekanitsidwa chuma cha dziko. Ena akatswiri kubetcherana pa mlingo umodzi wa dongosolo ngongole monga kwambiri ophweka, ogwira, ntchito zenizeni wogwila. paradaiso - chitetezo yekha, kuphweka la chilamulo applicable.

State chithandizo pulogalamu zanyumba wasanduka thandizo zofunika kwa dongosolo banki ndi anthu wamba amene muyenera denga pamwamba pa mutu wako. Kodi akulimbana chithandizo, zomwe, pamodzi ndi yaitali kubweza adzakhala chinthu chofunika kwambiri mfundo nyumba m'dziko lapansi. Koma chifukwa chaichi mu malamulo a dziko mungafune kuphatikizapo zinthu bwino malamulo ngongole kubweza, mawu awo ndi zinthu, kuphatikizapo chokhudza kumabungwe a anthu amene amaonedwa chikhalidwe mosadziteteza.

Koyenera ndipo zofunika

Njira yabwino kwambiri chitukuko cha msika nyumba - ndi akulimbana boma chithandizo. Akatswiri amanena kuti m'pofunika kuti atchule phindu latsopano kuti amalola kupeza ngongole kapena kubwezera pa mawu chosavuta, m'pofunika kuti atchule ang'onoang'ono ndi ngongole osanjidwa wosalira ntchito munthu msewu ngongole.

Yang'anani bwana wololera kuti muyambe ulimi wa ngongole kubweza zogona mwa dongosolo msonkho. Ena kupereka malonda mchitidwe ndalama ndi thandizani anthu amene ali makamaka oyenera kuthana nazo anthu. Pomaliza, mufunika angapo nzika mapulogalamu kubweza kukongoza kusankha chimene akufuna kwambiri. Only boma mphamvu yakuganiza, ntchito ndi kukhazikitsa zonsezi pamwambapa.

Kubweza kukongoza: kudzakhala kosavuta

Yembekezerani kusintha zinthu ndi kugula ngongole nyumba, ngati ife ungawonjeze kufunika kwa mankhwala banki limeneli, zimene ziyenera amapereka mwa kusankha chokwanira katundu pa msika malo. Pa mlingo boma m'pofunika kukhazikitsa chiopsezo kasamalidwe dongosolo ndi kusintha malamulo a msonkho wa boma. Zonsezi, pamodzi ndi kupezeka kuchuluka kwa mapulogalamu kubweza kwa anthu ambiri zingawonjezere kufunika kwa chakudya makampani ndalama.

Malo Market akatswiri amanena kuti bwino kwambiri zidzagwiritsidwanso ntchito (ndi kale), mapulogalamu apadera ngongole lolunjika pa magulu a anthu. Mwachitsanzo, ndi kubweza usilikali kapena mabanja achinyamata ndi ana, amene akuyenera likulu umayi. Pankhani ya mfuti, ndi nkhani m'malo maganizo. Pulogalamuyi mu lingaliro ake ndi zabwino, koma kukhazikitsa masamba kwambiri wolakalakika. Zofunikira kuti atchule angapo zakonzeka kuti malamulo alipo, amene ndidzalipanga ilo aluso.

Tiweramitse ngongole, kupulumutsa mathalauza lomaliza

M'zaka zaposachedwapa, ndi zambiri likukhalira kuti kubweza banja ndi katundu kuwapirira. Mwachitsanzo, mkazi wina wotaya ntchito ndipo kwa nthawi yaitali sakupeza munthu wina watsopano, koma ngongole kale ndipo malipiro amene ayenera kukhala pa nthawi. Musati ngongole ndipo sadzakhala opanda khobiri (kapena ngakhale popanda denga pamwamba pa mutu wake) kungakhale, kugwiritsa ntchito pulogalamu ya kukonzanso ngongole. Iwo amagwira ntchito kokha makasitomala a mabanki, atagwidwa mu vuto kwenikweni kovuta.

Kudzera kukonzanso angasunge denga pamwamba pa mutu wake, pamene kuchepetsa kuchuluka kwa malipiro pamwezi. Mukhoza kupeza mapulogalamu kuwathandiza kapena kugulitsa nyumba kubweza amene kunapezeka kuti unaffordable, ndi kugula mtengo. Nkofunika kusunga khalidwe la mbiri ngongole.

Kodi ntchito?

Kuyambitsa kukonzanso ndi, m'pofunika ntchito ku kampani opereka kapena Makampani kubweza m'khalapakati (malonda). Njira yoyamba zikuoneka kuti odalirika kwambiri, koma osati mtundu uliwonse wa dongosolo ndalama okonzeka kukumana ndi kasitomala. Chovuta kwambiri kupeza refinance pamene nyumba anali zodula kugulitsa ndikufuna kugula mtengo.

Cooperation ndi mkhalapakati wa zingakhale zosavuta, yopindulitsa kwambiri ndipo ngakhale mtengo. M'tengo kuyendera nyumba, zakukhosi kuti mtengo wa malo kuposa kuchuluka kwa ngongole, akufunitsitsa kugula ndi kupereka makasitomala chinachake mtengo kuchokera m'munsi. Pankhaniyi, makasitomala akhoza kutenga bwino kubweza ngongole pansi nyumba yatsopano, kapenanso zolipirira kucoka mumasungidwe a ndalama zawo, ngati nkotheka. Ndiko kuti, pamene chitetezo cha denga pamwamba pa mutu wako, mungathe kuchepetsa katundu wa ndalama.

umafuna banki: kukonzanso

Kodi ndi mfundo ziti amayembekezera antchito banki, kufunsa ndalama opereka kugula nyumba kampani? Njira yoyamba - ndi kuchepetsa kuchuluka kwa malipiro apamwezi. Zimenezi ngongole alipire nthawi ndi n'chachikulu ndi overpayment pa mwambowu.

mabanki ambiri kupereka ngongole tchuthi. Mawu amenewa akusonyeza kuti kasitomala ndi negotiated kwa nthawi anakonzeratu yekha amalipira chidwi ngongole. Komabe, apa zinthu zofanana - nthawi ndi anawonjezera, kuchititsa overpayment ukuwonjezeka.

Pomaliza, refinancing angapereke. Izi zikutanthauza kuti kasitomala amalandira ngongole watsopano, mawu amene ali bwino kuposa panopa. Chotero pulogalamu akhoza anapempha osati banki, komanso pambali. Analandira mwa dongosolo imatumizidwa ngongole choyamba, kuzimitsa kamodzi kenako pang'onopang'ono kulipira ngongole watsopano.

Banks: kwambiri kusankhapo

Kuwonjezera ndondomeko kukonzanso, pali mfundo zina, kulola makasitomala ngongoleyo m'njira ya m'Chingelezi chosavuta. Mwachitsanzo, ngati vuto la zachuma kusakhazikika ndiponso limodzi ndi amphamvu ndalama fluctuation loci, gombe akhoza kupereka makasitomala kusintha ndalama ngongole. Ndi njira yabwino, kumathandiza kuchepetsa malipirowo.

Ena mabanki kuchotsa ndalama, chilango kukhululukira ndalama accrued chifukwa malipiro mochedwa. Mukhozanso prepay pulogalamu kubweza. Pankhaniyi, makasitomala amapulumutsa pa overpayment, koma chiwombolo oyambirira sadzatha amachita, ngati zochitika - kukakamiza majeure.

Agency: onse kufunafuna kasitomala

makampani malonda kupindula anthu kupita makamaka iwo, chifukwa chake, Makampani izi akuyesetsa kukopa anthu amene akufuna kulipira ngongole ya kubweza ngongole, m'malo nyumba ya chinachake mtengo.

Pamene tipezeni Agency adzayenera koyamba kukumana ndi akatswiri. Iwo angayamikire malawi, adzakhala kupanga mapeto boma pa zifukwa zimene kampani mukuganiza kaya vuto la nyumba kapena ndi yowopsa kwambiri kuchita. Zitakhala ndi wamkulu kuposa ngongole ngongole ku banki, mukhoza kuwerenga pa mgwirizano zipatso. M'tengo akufunafuna wogula nyumba ndi ndalama kuti adzalandira wogulitsa imatumizidwa ku banki, kutsekera ngongole. Ena ndalama akhoza anachoka mu nazo munapangana. Iwo mosavuta walangizidwa kugula latsopano, zambiri wodzichepetsa nyumba. Pezani thandizo wothandizila ngati a pakampaniyo.