Ndingatani prepay ndi kubweza ku Bank ndalama likulu kholo?

Makolo ndi ana awiri kapena kuposa, nthawi zambiri timalimbana ndi funso ngati alipire oyambirira a kubweza ku Bank ndi ndalama. Zikhalidwe za ngongole amadalira mmene posachedwapa banja adzaloledwa kuti agwiritse ntchito yofunika boma subsidy - likulu kholo.

N'chifukwa chiyani kunja kubweza ndi

Pa nthawi imene boma chithandizo ntchito kumanga nyumba, kugula mamita lalikulu, malipiro a ntchito yophunzitsa kapena mapangidwe mbali olipiridwa la ndalama penshioni sungagulire mpaka mwana wa zaka zitatu. Ngati likulu mayi imeneyi kulipira ngongole ya nyumba dikirani kwa mapeto tsiku lamulo Sikuti. N'chifukwa chake kamangidwe ka ngongole nyumba ndi lamanja la alipire oyambirira amakhala njira yaikulu makolo kulumikiza subsidy.

Samalani mawu alipire ngongole ya

mabanki malonda, monga ulamuliro, safuna chakuti kasitomala akubwerera ngongole pasadafike. Choncho, ambiri ofuna borrowers nkhawa, ngati n'zotheka prepay ndi kubweza ngongole kwa Sberbank.

Kupeza ngongole, n'kofunika kuwerenga ndi kutanthauzira ndi zikalata ngongole mzere ndi mzere, osati kukopeka ndi provocations antchito amene mukufuna kuti ndifulumire inu. Mfundo za alipire ngongole kwa nthawi odzipereka gawo lonse la chigwirizano. Samalani ndandanda malipiro - akhoza kuyika mu ntchito zosiyana. Omasuka ngati inu anasonyeza kuti tsiku? Kodi waukulu malipiro pamwezi? Terms of alipire oyambirira utoto mwatsatanetsatane, koma angathe kuperekedwa zapansi kapena chobisika kuchuluka kwa malemba ankayimira kulisindikiza yaing'ono.

zidule wa angongole

mabanki ambiri akuyesetsa kuti achepetse lamanja la makasitomala kubwerera ngongole yonse kapena mbali poyamba inatchulidwa mu mgwirizano. Kuti zimenezi zitheke, zolemba ngongole nthawi zambiri zinthu zina anayambitsa. Mwachitsanzo, ngati:

1. chiwombolo oyambirira analola osati kale kuposa patapita nthawi yaitali, omwe mwina miyezi 6 kapena kuposa.
2. Iwo amapereka pakhomo osachepera kwa kuchuluka kwa malipiro patsogolo ndandanda. Mwachitsanzo, wobwereka ndi lesa walangizidwa alipire wa limanena za ndalama zosakwana 10 chikwi. Opaka. Choncho, zonse mwadzidzidzi kupeza ntchito bonasi, ngati si lalikulu kwambiri, kuti sadzatha kuchepetsa ndalama za ngongole.
3. zolembedwa akhoza anapereka ndalama kwa oyambirira obwezeredwa ngongole. Childs, kukula limawaletsa ake kubweza ngongoleyo pasadafike.
4. Anaiwononga mu zolembedwa ngongole alipo zinthu onerous zofuna kulipira chidwi ndi mitengo yonse ya nyengo ya nthawi (mwachitsanzo, mwezi kapena miyezi itatu iliyonse), ngakhale kuti kubweza ngongole patsogolo ndandanda.

Ndingatani prepay ndi kubweza ku Bank ndi ndalama

Zokwaniritsa muzingochita lamanja la wobwereka wobwezera udindo patsogolo pa nthawi, kukhala makamaka zogwirizana pa nthawi ya mavuto azachuma. Choncho, makasitomala ambiri ayamba ndikukayika ngati n'zotheka prepay ndi kubweza ngongole kwa Sberbank.

Mu mabungwe zopezera ndalama mu dziko saloledwa kubwerera ngongole iliyonse kale kudwala pakati pa masiku. Commission kulipira si lamulo. Ndalama saloledwa ngakhale pa tsiku ngongole ya. Udindo waukulu chatsekedwa kapena yafupika nthawi imodzi anapereka chiombolo chidwi accrued. Nkofunika yekha pasanafike masiku awiri ntchito kuuza Bank mu zolemba mayina awo, ndi mochuluka bwanji mukufuna kubwerera patsogolo ndandanda. Pamaziko a zidziwitso izi, ndodo udindo azichititsa opareshoni kukhwima. Apo ayi, inu mwapanga ndalama waikamo mu nkhani yapadera ndi adzalembedwa kuchokera mwa kubwerera kuchuluka kwa ngongole ya pa mwezi malinga ndi ndandanda malipiro.

Report pa alipire oyambirira ndalama ngongole ndi wasenza ndi kusainidwa ndi kasitomala munthu pa udindo wa banki.

ngongole zanu komanso kudalira mlungu

olandira ambiri likulu umayi ndi chidwi ndi funso ngati n'zotheka prepay ndi kubweza ku Bank ndi ndalama Loweruka? ntchito kubwerera mukukwaniritsa ngongole udzachitike pa tsiku lomwelo ngati ofesi, yemwe chokongoletsedwa ntchito ngongole. Ngati nthambi chatsekedwa Loweruka, alipire wa kubweza ukachitikire mu m'kati mwa mlungu wotsatira. Lamlungu, ntchito si ikuchitika pa ngongole.

Kodi pali chidwi-free nyumba ngongole

Ena makasitomala amene amadziwa mfundo za khadi ngongole, kudzifunsa ngati n'zotheka prepay kubweza mu ndalama Bank popanda chiwongoladzanja? Ndipotu, "pulasitiki" pafupifupi nthawi zonse anapereka nthawi chisomo, kungakhale kwa masiku 50-60. Pamene ngongole alipire kwathunthu pamaso atapita mawu a chidwi salipidwa. Komabe, nthawi kubweza chisomo sipakhala. Ngakhale ngati kubweza ngongole pa tsiku, kulipira chidwi pa ntchito tsiku ndi tsiku ngongole ndalama.

Kapezedwe kupatsa

The Fund penshioni kaŵirikaŵiri kulandira zopempha, ngati n'zotheka prepay ndi kubweza ku Bank ndi ndalama, ntchito apakati likulu.

Mu 2016 kukula kwa kalata makolowo ndi 453 026 rubles.

Amapezerapo mwayi subsidy, makolo a ana awiri kapena kuposa ayenera kusonkhanitsa phukusi la zikalata mwachindunji ndi lamulo;

- adzadziwire khadi;

- SNILS;

- VAT chiwerengero;

- kalata ukwati (kuthetsa ukwati);

- kalata ku dipatimenti nyumba achibale;

- zosonyeza kubadwa kwa ana onse;

- kubadwa satifiketi;

- notarized udindo makolo kuonetsetsa cholowa cha ana pa malo a.

Kuphunzira Fund ndi penshioni ya la Russia funso ngati n'zotheka prepay ndi kubweza ku Bank ndalama likulu kholo panokha iwe kutenga 1 mwezi. Itatha nthawi iyi, ngati si mosemphana ndi chilamulo, tidzakhala okonzeka satifiketi.

Kenako, muyenera kukonzekera akonzedwa chachiwiri mapepala okhala ndi nkhani za mgwirizano ngongole:

1. Pasipoti wobwereka kachiwiri.
2. SNILS.
3. Alendo.
4. Pangano ngongole (zoyambirira kapena buku mbiri yabwino).
5. Lonjezo Mgwirizano (ndi kubweza) - zoyambirira kapena buku notarized.
6. Malipiro ndandanda.
7. Ziganizo za kayendedwe nkhani (monga ndalama ngongole anali chikalata n'kubwerera ku banki Ndipotu).
8. Malipiro mwatsatanetsatane.

Pamene sanakonzekere zikalata mwezi umodzi Fund penshioni lidzasendera kuchuluka kwa satifiketi mu nkhani yapadera ku banki.

Kodi kulamulira otaya ndalama

Izi zikhoza kuchitika mwezi umodzi pambuyo kuzipeleka kwa phukusi chachiwiri chikalatacho kuwonekera munthu pa udindo wa kubweza ndalama Bank. Pa foni, antchito mulibe ufulu mfundo zachuma, ngati inu anatsegula kachidindo mawu kwa inu.

Komabe, zambiri yabwino kulamulira malipiro a likulu umayi kudzera nduna munthu mu "Sberbank Online" dongosolo. Ntchito lolowera achinsinsi, inu younikira otaya ndalama kudzera kompyuta kugwiritsa ntchito intaneti. Chizindikiro mu "Sberbank Online" kupyolera ATMs, POS malo, komanso kugwiritsa ntchito pulogalamu yam'manja.

Powona kuti likulu mayi anafika "kopita", funsani ngongole bwana wanu. Pre-muone ngati mungathe prepay ndi kubweza Sberbank tsopano. Khalani okonzeka kupita ku ofesi ndi kulemba chidziwitso.

Pambuyo ntchito ndandanda malipiro ndi recalculated - kuchuluka kwa malipiro a mwezi yafupika mofanana.

Yambani ndi kuiwaliratu woyera?

Makolo amene akonza posachedwa kulandira likulu umayi, nthawi zambiri chidwi ngati n'zotheka pasadakhale kuti abweze ngongole ku banki ndalama, ndi kutenga lina latsopano. Malinga ndi lamulo munthu asalowe angapo mapangano ngongole. Kuyambira mfundo imeneyi, kupeza ngongole watsopano, sikuti muli kuzimitsa.

Koma akukongoza ntchito banki a, kupenda n'zotheka kupereka ngongole, kuyembekezera malipiro anu. Iwo pamaziko a zikalata ndalama. Komanso kuganizira kudzipereka alipo. Mlingo wa ngongole pa munthu ali kukhala moti sangathe kupereka ngongole yake pa nthawi, pamene kuonetsetsa achibale chakudya kudzikonda ndipo sanali kugwira ntchito. Pali mankhwala ena ngongole, amene ayenera yokutidwa ndi ina kapena ukutitsimikizira.

Kumvera kubweza oyambirira, mukhoza kamodzinso kupereka kumasulidwa ku encumbrances zikusungira banki monga ina ngongole watsopano. Pa chitetezo cha mabungwe a zachuma kupereka ngongole mosavuta kwambiri ndi zambiri.

Komabe, ngati ngongole yanu ndi kubweza, tengani nthawi kuzimitsa patsogolo pa nthawi, ngati mukuganiza kuti ndalamazo mwina posachedwa zidzafunidwe kachiwiri. Nyumba ngongole amakhala osavuta kusunga, ndi mawu ndalama pa iwo motalikitsa. The kubweza chiwongola dzanja ndi 11% pa annum. Pa ogula ngongole ndi kuchuluka kwa mlingo wa 14,9 kuti 21,9% pa annum. Pa ngongole kunyumba munthu pazipita nthawi ya ndalama - zaka 30, malinga ndi ogula - ndi zaka 5 zokha. Pezani kachiwiri ngongole pa mawu a kubweza ndi zitha kukhala ngati kugula katundu watsopano.

Information kwa apaulendo

Mabanja amene ali ndi kusamuka, nkhawa: zingatheke prepay ngongole kwa Sberbank mu dera lina? malipiro Current ngongole angathe kuchitidwa monga mwachizolowezi. Ndi okwanira yake kutengerapo chofunika kuchuluka pa mgwirizano mwachindunji nkhani. Koma alipire oyambirira wina wobwereka dera patokha sangathe kuzitsatira. Ndipotu, chifukwa ntchito imeneyi, muyenera kubwera ku ofesi ya gombe, womwe wapangidwa mu ngongole nyumba, kusaina Zindikirani.

Mogwirizana ndi ichi makolo amene akukonzekera kusuntha, izo zimakhala zogwirizana funso ngati n'zotheka pasadakhale kuti ngongoleyo mu Bank ndalama ya ulamuliro? Ndipotu zimatengera, kudzakhala kotheka kuti azilipiritsa wina ndi anzake kapena achibale kubwerera ngongole kunyumba.

N'chifukwa kupita odziwitsa ndi

Kuwonjezera ndalama ku nkhani yapadera anakonzedwera kudzikundikira chuma, ndi ulamuliro si chofunika. Komabe, wotuluka zakale alipire oyambirira ngongole, muyenera zindikirani, yolembedwa ndi wobwereka kapena munthu wina aliyense udindo akhale mmalo mwake.

The woyenera kuimira kasitomala kubanki ndi yotani ndi mphamvu odziwitsa yovomerezedwa. Mabaibulo ayenera kupezeka mawu, kutanthauza kuti mnzanu kapena wachibale amaloledwa asanakalambe abwezere kudzipereka ngongole.

"Khadi masewera"

Ena makasitomala komanso ndi chidwi ndi funso la ngati issuance wa mapulogalamu kubweza zilipo pa "pulasitiki" ndipo ngati n'zotheka pasadakhale kuti ngongoleyo mu khadi ndalama Bank ngongole? Nyumba ngongole mwina apatsidwe zina, mu mawonekedwe si ndalama. Kuphatikizapo mogwirizana ndi banki, iwo Ndiyeno pa makadi.

Komabe, kubweza si ochokera kwa khadi la ngongole. makadi pulasitiki ndi mkulu malire maofesi ngongole ali yekha kwa malipiro a panopa katundu wambiri. iwo maturities yaifupi kwambiri, kuwerengetsera zonse ngongole zimachitika chaka chimodzi. Ngati inu Komabe, akhala kuchuluka ngongole kulipira mtengo wa nyumba, m'pofunika kuti abwerere kwa zikhalidwe za ogula ngongole.

Choncho, kodi n'zotheka kuti prepay ndi kubweza ku Bank ndalama likulu umayi? Inde, ngati muli womvera lamulo ali oyenera kulandira ang'onoang'ono. Dziwani maluso anu ndi ntchito.