Muyenera kubweza ndi? Ulimi Bank wokonzeka kupereka mautumiki awo

M'zaka zaposachedwapa, ulemerero msika la Chitaganya cha Russia wayamba kusintha kwambiri. Ichi ndi chifukwa chakuti ambiri a mabanki sanathe kupulumuka zaka zoyambirira za mavuto azachuma. mabungwe ambiri zasintha msonkhano uno monga kugulira nyumba. Ulimi Bank ndi chitsanzo chabwino cha mumaganiza watsopano mu ngongole msika.

Chifukwa kusinthasintha kusinthitsa ndalama pa vutoli, anthu ambiri anakakamizidwa kupereka ndalama zake mtengo wapatali wa chidwi, womwe anatsogolera okha bankirapuse zina. Komanso, mabungwe ambiri kuumirizidwa kuti aganyali ndalama makampani ndi chiopsezo kwambiri kuti ambiri inatha zoipa kwambiri. ndondomeko amenewa mabungwe a zachuma kwambiri kuchichepetsa yonena ake pa mbali ya wosuta pafupifupi. Ndi chifukwa cha kulimbana kwa ogula, magombe anakakamizika kusintha pulogalamu ngongole ku mbali ya mayiko wamkulu ndi ochepa chindapusa chobisika. Yofunika kwambiri amadziwikanso ankaimba ndi posachedwapa zapita ndalama kuteteza ufulu wa depositors ndi borrowers wa banki. Tsopano bungwe chuma ayenera kupereka mauthenga kwambiri mabuku yake zonse za malipiro anapempha zokhudza chonse cha pulogalamu ya ngongole.

Ulimi Bank: kubweza, mikhalidwe mu 2013

Ndi chitukuko cha umisiri wamakono ndi msika ngongole pulogalamu ngongole ndi wosalira kwambiri. Palibe chifukwa kuti afufuze mulu wa mapepala kukonza msonkhano uno monga kugulira nyumba. Ulimi Bank amapereka ngongole yake pa zofewa chiwongola dzanja - kuchokera 12 mpaka 14% pa annum. Pezani ngongole basi mutayankha chikalata ndi kupereka bungwe chuma zikalata zofunikira:

• zomveka pasipoti wa nzika za la Russia;
• yogwira okhala pafupi wina wa nthambi ya Bank ulimi;
• chikalata chachiwiri otsimikiza kuti asadziwe kasitomala;
• siginecha ya guarantor lapansi.

Kugula malo ndi zambiri amapezeka mu mawonekedwe a ina chinthu kamangidwe ka pulogalamu monga kugulira nyumba. Ulimi Bank ali okonzeka kuganizira mu mawonekedwe a chikole osati wathunthu malo, koma magawo mu nyumba yomangidwa kumene kapena dziko. mabanja achinyamata ayenera kukumbukira kuti pali amapereka angapo a boma, mungathe kuthetsa funso dziko ndi osachepera khama.

Bank zaulimi: kubweza pa nyumbayo

Kuwonjezera kupanga mapulogalamu okonzeka zopangidwa nyumba, wobwereka mukhoza kutenga ngongole pa katundu m'nyumba yomangidwa kumene. pulogalamuyi adzakhala yosiyaniranapo ndi muyeso. Kusiyana choyamba ndi kuchuluka chiwongola dzanja pa pulogalamu isanafike kuika nyumba ntchito. Kuchuluka adzakhala 16%. Komabe, ndi kumalizidwa kwa mlingo adzakhala poyerekeza ndi okwana pulogalamu kubweza. Ulimi Bank mu nkhani iyi, perekani ngongole pa 13% overpayment pa chaka. Kupanga ngongole kwa nyumba tikukonza ndi njira yanzeru. Mu nkhani iyi, overpayment ngongole basi kuphimba kusiyana pakati pa nyumba yomangidwa kumene ndi nyumba nyumba yakale.