Mat. Capital monga malipiro koyamba pa kubweza kuti: zikhalidwe. Documents kwa kubweza alipire likulu akuchikazi

Ochepa mabanja achinyamata kusamalira kugula awo nyumba zawo, zimene zimayenderana zilakolako ndalama, likuchedwa kwa malipiro a. Ndithudi, izi zikhoza kukhala thandizo la abale, opulumutsidwa awo ndalama, koma mtundu ambiri mwa njira ndi kubweza kukongoza. boma ndi chidwi chakuti mabanja achinyamata analandira ufulu kotero apanga dongosolo la kuthandiza mabanja achinyamata.

satifiketi akuchikazi kuti kusintha kwa moyo

Pakali pano, thandizo kwambiri mabanja ndi ana awiri kapena kuposa ndi likulu kholo. pulogalamu akuthamanga Kuchokera m'chaka cha 2007. Thiabendazole angagwiritsidwe ntchito pa kukula kwa malo moyo, kuphatikizapo kulipira mbali ya ngongole ngongole kubweza, timathera malipiro a bungwe apamwamba maphunziro kapena anapuma amayi ntchito. Ambiri njira kugwiritsa ntchito thandizo zakuti banja Russian ndi njira yoyamba. Kamodzi yolembedwa ndi mutsogoleli wadziko mu May 2015 Chilamulo Federal 131-mphasa. Capital monga malipiro koyamba pa kubweza angagwiritsidwe ntchito amisinkhu kubadwa kapena kukhazikitsidwa kwa mwana wachiwiri. Popeza ntchito mtundu uwu wa boma. Support malamulo ntchito thandizo amenewa likukula. Poyamba, popanda kuyembekezera kuphedwa kwa zaka 3 mwana akale akhoza ntchito okha okha mwayi kalata yothetsera zimenezi.

Ndingatani ntchito kalata mayi anga ngati chaka koyamba lero?

Ankaona mtundu wa chithandizo boma kulandira kalata ya sanali ndalama, amene sakhoza anasinthanitsa ndipo angagwiritsidwe ntchito ndi banja yekha zina. Kuyambira 2016 ufulu likulu umayi ngati malipiro koyamba pa kubweza ndi wovomerezeka ndi malamulo. chifukwa ndi FZ № 131 kuchokera May 23, 2015.

Ngati ife kulankhula za malamulo onse, apakati likulu angagwiritsidwe ntchito ngati gawo koyamba, ndipo monga alipire ngongole ngongole. Izi ndi mwayi wawukulu kwa banja wamng'ono kuchepetsa kukula kwa zachuma ndi kulipira kubweza mofulumira kuposa ikukhudza malipiro ndandanda.

Mwatsoka, n'zosatheka popanda zovuta kumvetsa. Osati bungwe lirilonse banki mosavuta akugwirizira zanyumba ndi likulu akuchikazi. Koma pali mabanki kuti phukusi wotuluka izi powapatsa mapulogalamu yabwino. Monga ulamuliro, lero mu mabungwe ambiri, kukula pazipita mitengo kubweza ndi 14%.

Kodi ntchito?

Zikatero, ngati banja akukonzekera ntchito apakati likulu ngati malipiro koyamba pa kubweza, ndi borrowers ayenera kukumana zofunikira za bungwe kubanki. Nthawi zambiri zofunika kuti kalembera wa totere ngongole ndi pafupifupi munthu wosiyana alipidwa ogula ngongole:

1. apatsidwe chiphatso ndi ntchito okhazikika ndipo anagwira ntchito kwa miyezi isanu ndi umodzi. Ena mabanki amalowerera monga lamulo kuvomerezedwa - osachepera chaka kale zaka 5.

2. Kumayambiriro maganizo kwa mawerengedwe a mabungwe kubweza banki yekha ankaona yovomerezeka, anatsimikizira ndalama wobwereka a. "Gray" mphotho ndikanakhoza kokha kuchita monga ndalama sekondale, koma nthawi zambiri si powasamalira. Ndipo mpaka pano, mabungwe akuluakulu ntchito anthu a chiwembu. Koma ambiri a mpikisano pakati pa magulu a zachuma akhoza kusewera mu mtima wa borrowers. Ena mabanki kuganizira ndalama uliwonse wa wobwereka osiyanasiyana, kuphatikizapo mwamwayi. Za maonekedwe a zinthu izi, m'pofunika kudziwa gulu la ogwira ntchito mu ndondomeko ya azichiona. Nthawi zina kumasonyeza kuti ndalama zimene zimakhala molimba kuvomereza zanyumba.

3. Kupanda kulembetsa kwa malo mu chuma. chikhalidwe imeneyi imagwira ntchito kwa anthu okhawo amene mukufuna kukonza kubweza pa mapulogalamu ŵakwenera, kuwathandiza ndi boma.

4. Pamene alipire kubweza likulu akuchikazi, ndi Kugawilidwa kwanthaka wa gawo la ana n'kofunika.

5. Kuti mpata kukhala mwini wa pulogalamu chikhalidwe cha kubweza, ndi wobwereka ayenera zabwino ngongole mbiri.

Kodi kupeza kubweza ndi likulu ndi akuchikazi?

Musanayambe kuyambitsa ndondomeko ya kulanda ndalama mu kalata banja alipire kunyumba ngongole, muyenera kupita ku thumba la ndalama za penshoni ndi kulandiranso satifiketi kwambiri, amene adzakhala ndi chitsimikizo nduna za ufulu umenewu.

Pamene satifiketi ali m'manja mwa borrowers tsogolo aganizire mabungwe banki sangavute ndi kumene kuli kofunika ntchito. Ndi bwino kukacheza mabungwe banki ndi kuwerengera ndi kubweza ndi likulu akuchikazi mapulogalamu onse alipo. Only patapita review lenileni la mawu akufuna ngongole (chiwongola dzanja, chisanadze ovomerezeka kuchuluka, inshuwalansi zina ndi zina zotero. P.), Mungagwiritse ntchito kuti kalembera.

Lero palibe kudikira mpaka mwana, atatha maonekedwe zomwe banja analandira ufulu umayi satifiketi, zaka 3. Ngati ndi kotheka, ntchito ya mwini satifiketi (ie. E. Ana mayi) ayenera kutsatira kuti ofesi Kupititsa wa RF PF ndi mawu chogwirizana ndi phukusi la zolemba.

Documents kwa kubweza alipire likulu akuchikazi

Pofuna ntchito njira satifiketi kukwaniritsa udindo wake ngongole, amafuna zikalata zina. Malinga gulu akhoza anapereka zofunika zina. Koma monga ulamuliro, mabanki ambiri kufunsa zolemba zotsatirazi kubweza ngongole zanyumba likulu akuchikazi:

1. Zitupa la Russia ndi makope a zikalata. Awa: malata SNILS, buku mbiri yabwino ya buku ntchito ntchito. Iwo m'pofunika kupereka pasipoti kapena chiphatso galimoto kapena vutoli.
2. Certificate natsimikiza ufulu kulandira umayi likulu.
3. Zogwiritsira zikalata, yomwe mwalamulo anatsimikizira ndalama wobwereka akuti: chikalata chotsimikizira pakalibe ngongole kubweza lamulo, mudziwe mawonekedwe banki ya ndalama kapena muyezo mawonekedwe 2-DZENJE angagwiritsidwe ntchito.
4. Mgwirizano wa kugulitsa nyumba kapena nyumba.
5. Information pa kupeza chuma: mwamtheradi zofunika zokhudza chikhalidwe cha chinthu BTI, ndi Tingafinye ku nyumba m'kaundula, pasipoti kuti adziwe za chikhalidwe luso.
6. chitsimikiziro Official ku Fund ndi penshioni, omwe chifukwa cha wobwereka angathe ali ndi ndalama.
7. Yofunsira kulembetsa mu umwini gawo.

Kodi zimachitika ku thumba la ndalama za penshoni?

Nkofunika kuzindikira kuti kubweza ntchito apakati likulu - iyi si njira mwamsanga. Makamaka ngati wogula si ntchito misonkhano ya mabungwe malo ndipo amakoka zinthu paokha. Pambuyo banki anapereka chikalatacho, mawu ndi mabuku ena onse zinafunika upite ku thumba la ndalama za penshoni ndi kupereka iwo ndi mapepala. Nthawi zambiri:

1. mapepala akuluakulu a ku banki, kusonyeza kuti wobwereka kwenikweni akufuna kunena pangano kugula zanyumba. Monga ulamuliro, izi ndi chikalata wosindikiza banki mu mawonekedwe mwachizolowezi.
2. Onse zambiri pa malo ogona, umene nkhani kubweza kukongoza.
3. zikalata zonse, monga momwe zilili ndi banki, wokwatibwa ndi wobwereka (pasipoti, SNILS, VAT).
4. Ndi kuvomerezedwa kutsatira kwa kulanda ndalama ndi mfundo ya gombe.

Terms of kubweza ku mabanki otchuka

Aliyense bungwe ndalama chidwi mmene kudzatunga monga mmene mapangano zotheka pa ngongole yaikulu. Izi mitundu ya ngongole ndi zanyumba likukhudza pansi likulu umayi. Banks, ikusonyeza kumapeto, ndi maganizo osiyana ndi kamangidwe ka ngongole kuti atenge mu likulu nkhani banja. Choncho, musanayambe kusankha kugwiritsa ntchito mphasa. Capital monga malipiro koyamba pa kubweza ndi, m'pofunika kufufuza zinthu mabungwe a zachuma. Akatswiri amalangiza kuti mu malo oyamba kupandukira mabungwe chachikulu, amene ali wotchuka kwambiri pakati borrowers lapansi.

Kubweza ndi Sberbank

Mwina ali yemweyo banki amene amalolera kupereka zanyumba nyumba, kaya gulu ake. Choncho, aliyense wobwereka angathe kudzapereka mgwirizanowo kwa ogulidwa ndi nyumba ziwiriziwiri, nyumba zawo kapena nyumba ndi nyumba yatsopano. N'zothekanso ndi zanyumba pansi likulu umayi. Lamulo lalikulu la kubanki ndi kuvomerezedwa lomasuliridwa kalata ya ndalama pasanathe miyezi sikisi pambuyo mapeto a ndikupeleka.

Terms Official:

1. Loan mwapatsidwa yekha zakwawoko.
2. Mlingo kwa kubweza ndi 14.5%.
3. The pazipita ngongole akuti - zaka makumi atatu.
4. Kuchuluka kwa chopereka koyamba ayenera kukhala peresenti 20.
5. Mtengo ndikupeleka si oposa 40 miliyoni rubles.

"VTB 24"

The chachiwiri wotchuka banki, amene amagwirizana ndi borrowers, kupanga kunja kugulira nyumba. Mgwirizanowo Ndizachidziwikire pa mwamtheradi nyumba, kaya gulu ake. Ndiko kuti, mwina chuma payekha, nyumba ziwiriziwiri, nyumba yatsopano. Pakuti banki, chinthu ichi si determinative. Zanyumba pansi likulu umayi likupezeka. zinthu zikuluzikulu zomwe mapeto a mgwirizano, "VTB 24":

1. chifukwa kupeza ntchito yanyumba kunyumba akutsatiridwa okha ndalama dziko;
2. Mlingo pafupifupi chidwi 15,95%;
3. The yokhala mu komitiyi ya kumangidwa ndi zaka 30 zanyumba;
4. Osachepera malipiro ndikupeleka 20%;
5. Mtengo wa nyumba sayenera upambana rubles 30 miliyoni.

"DeltaKreditBank"

Ngati n'koyenera, kukonza kubweza mu "Delta Mawu Bank," tiyenera kukumbukira kuti kulembetsa ndi Zimatheka pa nyumba pulayimale ndi sekondale. Kulanda ndalama kuchokera pamene mapeto a mgwirizano ndi zotheka chaka chimodzi kuchokera tsiku la chinenero chamanja.

Mavuto mukhoza kukonza kubweza ntchito likulu banja:

1. Onse wotuluka ndi anasamutsidwa ndi zotheka mu ndalama national - rubles.
2. Mlingo pafupifupi pa ngongole anakwana 15,25%.
3. Kulowa amalipiritsa 30%.
4. The pazipita zotheka nthawi ngongole sayenera upambana zaka 25.

Yowerengera ndalama koyamba

Tinganene, aliyense banki likunena zambiri pa zimene adzakhala kukula kwa malipiro pansi. Banja lililonse akufuna mwachionekere kumvetsa tanthauzo la zinthu zikhoza kukokera, choncho akufuna kudziwa kukula kwa malipiro paokha. Ndipotu, si zovuta. Muyenera kudziwa mtengo lenileni la nyumba ndi choonetsedwa monga kuchuluka, chimene chimafuna banki monga malipiro. Mwachitsanzo, ngati nyumba kapena nyumba ofunika 3 miliyoni rubles, ndi banki amafuna kuti osachepera 20%, analandira 600 000 rubles. Zikatero, ngati banja akukonzekera ntchito mphasa. Capital monga malipiro koyamba pa kubweza, ndiye zikusonyeza kuti iye Mulimonsemo m'pofunika kulipira ndalama zina zapadera.

Ngati banja kuwerenga chokhazikika pa kalata ya chithandizo, n'zotheka kuwerengera mtengo wa nyumba, amene iye anganene. Ndondomeko ndi losavuta: kukula kwa mphasa. kusasiyana × 100 / index malipiro.

ayamikira

Nkofunika kudziwa kuti umayi likulu - mawonekedwe thandizo boma, kotero kuchuluka limene laperekedwa pa nthawi yomweyo, angathe kugwiritsidwa ntchito pa zolinga zenizeni. N'zosatheka kupita ndi kuthera, pomwe inu mungafune. Ngati mukufuna kugwiritsa ntchito mphasa. Capital monga malipiro koyamba pa kubweza, kapena mu mawonekedwe a malipiro kulipira olemekezeka m'pofunika kuti awadziwitse Fund Ndalama za penshoni kwa miyezi isanu ndi umodzi isanafike ndikupeleka. Boma bajeti ndi malipiro ali ndandanda kamodzi pa miyezi isanu ndi umodzi.

Pankhani ya likulu umayi kale ntchito, monga malipiro onse a ntchito sizigwira ntchito. Chinthu chokha chomwe tingachite ndi kuchepetsa ngongole pa analipo kale kubweza pangano.

Pomaliza

Musanayambe funsani banki, muyenera kusankha nokha zimene ntchito yomanga mukonda. Ngakhale nawo olowa yomanga chiopsezo ndi kangapo apamwamba, banja akhoza kuwina ambiri ndithu meters, komanso kukonza kubweza pa mtengo bwino mu mawu a ndalama.