Kubweza popanda malipiro mu "Bank ulimi": zikhalidwe, ndi chiwongola dzanja

Malawi - ichi ndi chimodzi mwa zinthu zofunika zazikulu za aliyense wa ife. Mwatsoka, mu nthawi yathu, ndi mamita lalikulu ndi okwera mtengo. Koma chifukwa pali zovuta, anthu vutoli mwa kupanga ngongole popanda chandamale cha nyumba kapena nyumba. Ndipo izo zisanachitike, iwo anali mosamalitsa kuwerenga maganizo omwe msika chuma. Ndipo anthu ambiri amaganizira kwambiri kubweza ndi malipiro palibe pansi kwa "Rosselkhozbank".

zambiri

Kuyamba, Ndikufuna kuti bungwe ili ndalama lodalirika. Popeza pa malo chimodzi mu kusanja kudalirika pakati 600 mabanki ku Russia. Kuchuluka kwa chuma "Rosselkhozbank" kuposa Uwerenge thililiyoni 2,76 rubles. Popeza kuti anthu kumukhulupirira ndi ndalama zawo, kukhulupirira.

Kodi ife kukuuzani utumiki uwu ngati kubweza popanda malipiro mu "ulimi Bank"? Choncho, poyamba, kuti alipo. Ndipo kachiwiri, ndi chikalata si aliyense. pali milandu itatu yokha anthu ambiri, imene n'zotheka.

Choyamba, amalipiritsa koyamba Sikuti, koma zinthu kwa issuance wa kubweza adzakhala malamulo. Ndipo adzaonetsera kaya mawu adzafupikitsidwa ya malipiro, kapena ziwawa chidwi.

choncho chachiwiri: monga kuchuluka kwa malipiro, amene anatengedwa pa chitetezo cha malo, lomwe kale mwini wobwereka. The ngongole kwa malipiro ake ndi kugula nyumba zatsopano linaperekedwa mwamsanga palimodzi.

Ndipo nkhani lachitatu: mu apakati likulu, amene analandira wobwereka pa kubadwa kwa mwana ntchito monga malipiro. Apa iye ankachita monga "Rosselkhozbank". Mwa njira, mabanja wamng'ono (monga mwana, ndipo popanda) anapereka zinthu zabwino, zimene zimatanthauza yafupika bala kwa chigawo choyamba. Koma tikhoza kulankhula za izi ndi zina zambiri.

angakwanitse malo

Kubweza popanda malipiro mu "Bank ulimi" linapereka kugula Magulu ena a zinthu. Anthu ntchito apakati likulu angathe kugula nyumba kapena pa pulayimale kapena msika sekondale. Kugula nyumba mu nyumba yomangidwa kumene (ichi, poyamba, ndi njira yosafuna zambiri).

Likupezeka nawo kunyumba ndi dziko ndi townhouses. ndalama zambiri angaperekedwe ndi kumanga palokha wa m'nyumba. Komanso, kugula m'dziko limene nyumba ya inamangidwa. Komanso, kubweza ndi linapereka kugula nyumba yosatha ndi dziko, ngati anthu mukukonzekera kubweretsa kumangirira mapeto. Kwa ogulidwa dziko kupeza ngongole chandamale ngati nkotheka.

Mkhalidwe Waukulu

Kuti kubweza popanda malipiro mu "Rosselkhozbank" kwavomelezedwa, wobwereka angathe zofunika kuzikwaniritsa. Chofunika tisaiwale mwapadera.

Wobwereka adzakhala ndi ufulu wonse kutaya likulu wowopsa akuchikazi. Ndipo ngati kuchuluka kuti iye ali, chimakwirira kukula kwa analengeza malipiro koyamba, amene anatsimikiza ndi mawu a mapulogalamu ŵakwenera, kubweza yovomerezeka. Choncho ndi chisankho mu mulanduwo, ngati ndalama kuposa. Izi zikutanthauza kuti amalipiritsa koyamba kwa wobwereka angathe kudzakhala 0%.

More mwini chuma kuti anasamutsa monga ina, ayenera kukhala munthu wamkulu. Patangotha miyezi itatu pambuyo issuance wa ngongole, iye ayenera kutsatira kuti Fund ndi penshioni la Chitaganya cha Russia, kuti atchule umayi likulu ku banki. Izi ndi zofunika kuti tsankho alipire wa kubweza kwa - izi ndi zinthu. Ndipo komabe, kuwonjezera pa muyezo phukusi la zikalata pamene mupanga ngongole chofunika kupereka kalata kwa CMC ndi kalata kuchokera Fund ndi penshioni, umene lolembedwapo, ndi kuchuluka anali mu nkhani ya likulu kholo.

zikalata

Koma tsopano n'zotheka kusamutsa pepala, amene ayenera kusonkhanitsa ndi kudzapereka Munthu amene amasuta kutenga kubweza mu "Rosselkhozbank". mndandanda uli motere:

1. Phunziro pankhaniyi mawonekedwe banki Kwalamulidwa mawonekedwe.

2. pasipoti wa nzika za la Russia. Oyenera ndi lofanana chikalata (mwachitsanzo kalata ya usilikali, kutumikira ndi).

3. usilikali ID - lamulo kwa amuna pansi ndi zaka 27. Njira - satifiketi kulembetsa.

4. chikalata zikalata banja ndi kukhalapo kwa ana, ngati aliyense.

5. Pepala kutsimikizira mlingo ntchito ya wobwereka kuchita ndi chikhalidwe chake chuma.

6. zikalata zonse za katundu amene kupeza zakonzedwa.

Mndandanda wa masheya kungakhale onse - ngati mukufuna chinachakenso, icho amakadziwitsa makasitomala za paokhapaokha.

zofunikira

Anthu ambiri mwapereka mtundu wa ngongole ngati kubweza mu "Rosselkhozbank". Reviews zili zabwino, kusiya - kutsimikizira kuti zinthu yabwino ndi yosavuta, chofunika. Organization ndi bwino udindo winanso makasitomala weniweni ndi wabwino ngongole mbiri. Izi, poyamba, mmodzi wa amafuna kuti borrowers angathe. Pali angapo:

1. Age - osachepera zaka 21. ngongole kuyenela mudzalipidwa kwa zaka 65.

2. Zambadwe - Russia. Monga kulembetsa.

3. Experience - miyezi sikisi mu malo otsiriza ntchito. Ndipo osachepera chaka ntchito lonse wonse. Chifukwa makasitomala "Rosselkhozbank" kuchotsera - iwo akuloledwa kuti akudziwa miyezi 3 pa malo omwewo.

anthu achikulire amene anapita maholide malamulo, ndi kulandira malipiro kuchokera Fund RF penshioni nkhani imene anatsegula mu bungwe, iwo amapereka zinthu mwapadera "Rosselkhozbank". Kubweza pensioners likupezeka mu zinthu wofatsa - iwo kuli zinachitikira pachaka ntchito si zaka zisanu.

banja wamng'ono

Monga mukuonera, izo si mawu zomveka zikusonyeza "Rosselkhozbank". Kubweza mothandizidwa ndi boma ndi otchuka, makamaka mabanja achinyamata. Ndipo pali zambiri osiyana iwo.

Banja achinyamata akuti ndi mgwirizano umene zaka mmodzi wa akazi a (Choncho - onse) alibe upambana chilemba cha zaka 35. Komanso kugwa mu gulu la borrowers angathe popanda bwenzi mkulu, koma ndi mwanayo. Komabe, amayi / abambo-okha ndipo sayenera zaka zoposa 35.

ubwino

Tsopano chopereka. likulu akuchikazi akhoza analipira osachepera 10% wa mtengo wa malowo. Koma ngati watsopano (msika chachikulu) - kukula ndi kuchuluka kwa 20%.

Zikusonyezanso kuti ngati nthawi ngongole, banjalo mwana, angakhale akuchedwa kupereka ngongole. Koma mpaka nthawi monga mwana si zaka 3.

chidwi

Izi ndi nkhani zofunika kwambiri. Aliyense amafuna kudziwa mmene kulipira ngati ngongole. Ndipo anthu awa ali ndi chidwi mu malo oyamba, kunena za "ulimi Bank". "Kubweza Kakuleta" - angathandize kwambiri pa nkhani muyenera kuwerengera zonse.

Tiyeni tinene, ndalama za akazi ndi kuchuluka kwa 60 000 rubles pamwezi. Zikatero, iwo angavomerezedwe ngongole wa ku 2617500 pa p. Mwachitsanzo, anaganiza miliyoni kugula situdiyo nyumba kwa zaka 10. mlingo pachaka - 12.9%. Ndipo 15% kuchuluka ananena analipira pasanathe miyezi itatu likulu kholo. Pankhaniyi, mwezi iwo adzayenera kudzapereka 29.745 rubles kulipira ngongole. Monga pazipita malipiro awo akafuna 43 313 p. A wambirimbiri banki silingathe kumulandira, ngakhale gwero zina za ndalama anadza kwa makasitomala ndi angakwanitse kupereka zinkafuna ngongole. Kusintha chilengedwe adzakhala ndi kutsatira mwachindunji "ulimi Bank".

"Kubweza Chiwerengero" - utumiki zabwino kuti zikusonyeza alipire ndandanda. Kuyang'ana pa iye, inu mukhoza kuwona momwe ndalama Munthu overpaid. Ngati tilankhula za chitsanzo pamwamba, wonse banki borrowers adzalipira 3.569.400 rubles. miliyoni ngati ngongole ndi 1,569,400 (nkomwe zochepa wotanganidwa kuchuluka) - ngati anthu a.

Mauthenga a boma

Si alionse chidwi lomwe lili "Rosselkhozbank". Asilikali kubweza - izi ndi mutu wina kuti tisaiwale tcheru. A limagwirira chidwi kwambiri kupeza nyumba. Ndi kupezeka kwa servicemen nawo ndalama ndi dongosolo kubweza nyumba.

Kotero apa pali mmene ntchito: asilikali anatsegula kupulumutsa nkhani imene boma mwezi uliwonse imalemba wina kuchuluka. Pakuti 2016 izo anakwana rubles 245.880 pa chaka. Patatha zaka zitatu mbali asilikali zopanda lipoti NIS kupeza satifiketi, amene adzam'patsa ufulu kuti akulimbana nyumba ngongole. Pamene izo ziri mu manja ake - ndi nthawi kukatenga katundu, zina zofunika. akanema awo Russian silikhali Utumiki banki yokha ndi kampani ya inshuwalansi.

zochita zina

Pambuyo usilikali kusankha yokha okhalamo, amene angafune kugula, inu mukhoza kupita kusaina kubweza pangano. "Ulimi Bank" akutsegula nkhani zosiyana, zomwe limatchula onse a ndalama atasunga chimango cha NIS. Iwo amalipiritsa koyamba ilipiridwa.

Amafuna kuti wobwereka ndi:

1. Zambadwe - Russia.

akale zaka 22 - 2. Posachepera zaka.

3. The pazipita - zaka 45 pa nthawi ya alipire.

4. Nthawi ya nawo NIS - osachepera miyezi 36.

Zolemba malire kuchuluka kuti mukhoza kupeza usilikali ngongole - miliyoni 2,05 rubles kwa ogulidwa yaing'ono. Ngati mukufuna kugula munda ndi nyumba - zikanakhala zopanda 1 850 000 p. Mlingo adzakhala wofanana 10,5 ndi 11,5%, motero. Choncho mosabisa, monga mmene taonera, kugula zambiri zaphindu m'zonse. Mwa njira, anapeza ndalama mu chimango cha NIS ayenera kukhala chokwanira osachepera ndalama 10 peresenti.

Kodi alipire chiyani? losavuta limagwirira. Asabwezere ngongole FGKU "Rosvoenipoteka". ndalama anabwera ku bajeti feduro. malipiro mwezi wa 1/12 cha kuchuluka limene asilikali wogwidwa ngati amalipiritsa yosungirako.

Kodi aliyense ndi ofunika podziwa?

Tcheru tisaiwale ndi mfundo zina za processing ngongole ku bungwe monga "Rosselkhozbank". Kubweza chiwongola dzanja, mawu - izo ziri zofunika. Koma zochititsa chidwi kwambiri lero kudziwa kuti muyenera kuchita kwa chiyanjo othamanga ngongole ndi mmene kupulumutsa. Ndipo apa ndi nsonga:

1. M'pofunika kubweretsa zolembedwa ambiri kutsimikizira solvency ndalama. Ikuluikulu msika, natsimikiza magwero osiyanasiyana ndalama - bwino. Anthu ambiri amene nyumba kale renti, kubweretsa ngakhale pangano, kusonyeza choonadi cha mfundo imeneyi.

2. Kuti kubweza ayenera osachepera nthawi kotheka. The overpayment adzakhala ang'onoang'ono.

3. Ndi zofunika kudzatunga sozaomschika. Kapena awiri.

4. malipiro koyamba ayenera maximized - kotero kuti ngongole wakhala ang'onoang'ono.

5. Kuti tagwirizana bwino pa chiwongola dzanja, m'pofunika zapatsogolo kukhala kasitomala wa banki.

Koma chinthu chofunika kwambiri - muyenera choyamba mutidziwe bwino zinthu zonse, ndipo zinthu zotchulidwa mu mgwirizano. Ndiyeno yekha kusankha kuti apereke ngongole. Mwanzeru m'zochitika ndalama osati kuthetsa.