Chikwereti nemutengo chimbadzo: kuenda kupi?

Pamwe mubhengi raiva kunobatsira, zvinokosha tinyatsoziva kwehurongwa kubhengi. Chikwereti nemutengo chimbadzo chichava chisarudzo chakanaka, nekuti ipapo havazofaniri overpay. Zvino mamwe mabhanga kupa ezvinhu akafanana, chete vanofanira kusarudza zvakakodzera. Zviri zvinobetsera zvikurusa kushandisira Sberbank, asi kazhinji vatengi kuda kuunganidza magwaro akasiyana-siyana uye rakagara refu muitiro rokunyoreswa.

Where kuenda?

mabhanga mazhinji uchishanda Russia, nechipiriso pachake mazwi ayo. Asi kwete vose zvinobatsira vanhu. Zvirongwa zvakasiyana maererano vanyorwa chibvumirano, iyo mari prices. Chikwereti nemutengo kufarira prices vanofanira nyaya iri achiongorora mubhangi. Dzavo mazita zvinosanganisira:

1. "Sovcombank".
2. "Renaissance Credit".
3. "Home Credit".
4. Sberbank.
5. "Citibank".

kambani Mumwe anopa munhu kusvika. Payroll nemakasitoma vane kodzero kuwana mamiriro ezvinhu akanaka kuti pamwe. Unogona kureva achangobva akazarura bhengi mudunhu. Masangano aya anokwezva vatengi zvirongwa zvinobatsira, saka awane chikwereti nemutengo chimbadzo zvichanyatsoitika.

Kazhinji chikamu chiduku dzokuaviga fines makuru, mamwe mari uye inishuwarenzi. Zvakakodzera kushandisa mabasa iwayo mabhanga kuti murege kuvanza overpayment. Kutendeseka panyaya iyi inokosha zvikuru.

How kuwana mashoma chikamu?

Kuti tiwane chikwereti nemutengo chimbadzo, unofanira kusarudza zvakanaka chirongwa. Nokuti kunyoresa nevatengi mbiri zvakafanira:

• vanoremekedza mari;
• zvinopa rubatso;
• kuva muridzi kadhi nhoroondo yakanaka;
• kwezva guarantors.

Izvi zvinobvumira kuti nokukurumidza uende yose miedzo, vakagamuchira zvakanaka mhinduro. Saka vatengi zvinopiwa zvakanaka ezvinhu. Refu Clearance zvazvingava kunoderedza. Zvikwereti pana 2 magwaro, izvo rakapa kuti 1 day, vane vakawanda vanotanga. Bank nyaya uye basa ukuru, mhuri mamiriro. Zvakakodzera nokungwarira zadza muchimiro, musapotse chero inokosha.

pasipasi chikamu muzana

Unogona kuwana inopa, idzo nhamba kuitika 10% kuti mutengi chikwereti. Shoma ndivo zvingava kwirirei. The zvazvingava rakakomberedza 15-20%. A mufananidzo pamusoro 20% hakunganzi zvinobetsera pfuma.

In mumwe nharaunda akasiyana prices. Saka unofanira kuzivana naye vaitaura pamusoro mabhanga akawanda, kusarudza zvakarurama. Hazvifaniri kutarisa kuzvinyepera kunobatsira chirongwa nekuti mari kumasangano handidi kushanda vari kurasikirwa. Hazvina kunaka kushandisa zvikwereti vanozoshanda, sezvo vazhinji vavo atore chikamu.

zvakanangwa zvikwereti

Chinangwa chikwereti pasi shoma chikamu kubaya muMoscow ndiye chikwereti anodhura. Anokwereta asina chaizvo urongwa, kupa ngozi kubhengi. Kana uchida mari yokutenga motokari, dzidzo kana yokufaranuka rwendo, unofanira kusarudza kuenda kushanda.

Pane mukana processing kuti chikwereti yokurapwa kana muchato. Zvirongwa zvakadaro achaponesa 3-5% pa annum. Kana uchida kuwana mazakwatira, ipapo ichi vanobatsirwa achava kuchioneka. Nokuti zvakanangwa Zvirongwa mimwe mapepa, uyewo inosimbisa kuti mari inoshandiswa sezvo aida.

Mhando zvikwereti iri mari Bank

Sberbank mubereko chinobatsira pasi zvikwereti. The sangano inopa mhando anoverengeka zvikwereti:

1. Consumer. Available zvinodikanwa nezuva. Kunonyanyisa izwi - makore 25.
2. Housing. With zvichaita kuwana Real Estate muchivako chitsva kana kuvaka imba yako. muripo nguva - kusvika makore 30.
3. Car. Zvikwereti vanopiwa kuti kutenga mota pachavo. Chikwereti izwi - kusvika 5 years.

basa rimwe nerimwe rine yayo peculiarities kunyoresa. Zvakawanda pamusoro pavo anogona kuwanika pamusoro Website kana iri raida kubhengi. Kuita chero chikwereti hunosanganisira kusaina chesungano, iro rine mashoko uye ezvinhu.

Kuwana nevatengi chikwereti

In mumari Bank anogona kuwana chikwereti kuna pensioners pasi shoma ndivo. Rakanyorwawo zvikwereti pamusoro rubatso uye zvinovimbisa. The kunonyanyisa Huwandu mamiriyoni 1,5 rubles. Payment nguva iri mukati 3 months - 5 years. Kuti tiwane mari unofanira kuzvigadzirira zvimwe zvinyorwa pasina wechitatu-party Software:

• chikumbiro;
• pasipoti;
• dikidiki kunyoresa chisimbiso;
• basa uye uwandu mari.

Kana uchida wemuno, zvinodikanwa kukoka guarantors. In akadaro ezvinhu anogona kusimuka kusvika mamiriyoni 3. Mutongo anotorwa pamahombekombe mukati memazuva 1-10. In mumari Bank mubereko prices pamusoro zvikwereti kungava pasi pamberi Real Estate rubatso. Zvadaro, yakawanda inopiwa.

Nuances mabasa

Kana munhu hazvizorambi nemhosva kuna Sberbank, mwero ichava pamusoro 19-20%. Kana kuita chikwereti iri mari iri overpayment achava 15%. Shoma kuwanda mbiri muna mumari Bank ari zviuru 15 rubles, uye kufadza -. 750 zviuru rubles .. Kana paine urongwa mari dziri kaviri. The chikwereti nguva iri 5 makore.

Akanaka ezvinhu anowanikwa dzose vatengi. The zvazvingava achava yakaderera kubudikidza 8-10%. A shoma uye kunonyanyisa mari vachava nenguva chechetere. Zvakaratidza kuti overpayment vachava vashoma.

inishuwarenzi

Basa Zvinobatsira mabhanga, vanotya rufu kana kurasikirwa vatengi vachikanganisa. Kazhinji, uwandu vachibhadhara zvakafanana pabasa, asi haagoni kuva kudarika mamiriyoni 3. Rubles. Rate anenge 2-3%, asi nerimwe yeGmail.END_STRONG zvinonzi wakaiswa nomumwe.

Inishuwarenzi hakusi fanira. Kana mubhengi nharo kuti aurayiwe esungano kunokanganisa zvisaitika, tenda hazvifaniri kuva. Kunyange kana inishuwarenzi isina vakasarudzwa, ari kuenderera kutengeserana hakuzochinji.