Co-anokwereta pamusoro chikwereti - uyu ... The anokwereta uye co-anokwereta

Kakawanda, apo mortgages, yakabudiswa pamahombekombe mari haisi yakakwana kutenga dzimba. Mumamiriro ezvinhu akadaro, anokwereta anenge achitsvaka rubatsiro kubva co-anokwereta. About kuti, ndiani co-anokwereta uye sei kubatsira, ichakurukurwa munyaya ino.

Ndianiko co-anokwereta

Co-anokwereta pamusoro chikwereti - ndiwo munhu anokonzera kuti chikwereti womunhu anomukweretesa pamwe huru anokwereta. Nemamwe mashoko, achava kubhadhara chikwereti chikwereti kana mukuru anokwereta rinokundikana kuita kudaro.

Kazhinji achishandisa co-anokwereta mukana wokuzvidzivirira ari chiitiko kuti kubhengi anofunga kuti yeGmail.END_STRONG mari kuti zvikwereti zvemba kukwana. Pangave zviviri zvokusarudza: kubvuma rweruzhinji kwedzimba, kana zvimwe zvaungaita - mortgages kuti maviri.

Ndiani anogona kuva co-anokwereta

Zvichienderana nemamiriro ezvinhu uye zvinodiwa kubhangi, zvingava vashoma vanhu kuti kubhadhara chikwereti, asi hapana anopfuura mana kana mashanu. Co-anokwereta pamusoro chikwereti - ichi hachisi chete naye uye voukama, asiwo kune mumwe munhu. Zvisinei, mamiriro ezvinhu akasiyana-siyana anogona kuva mumwe pamahombekombe, saka usati kuwana zvikwereti, iwe unofanira zvakanyatsonanga ose nuances.

Maererano Russian mutemo naye pamusoro chikwereti chikwereti iri kwaita kuzivikanwa somunhu chepamutemo naye. Zvisinei, kana vawanani zvandisingadi kuva anorenda mutoro zvikwereti zvemba kana mugove kutenga chokugara pfuma achava zvakasiyana, saka zvakakodzera kugumisa muchato kondirakiti.

Kana co-anokwereta anova shamwari kana waunoziva huru payer, ipapo anofanira kuziva uye kunzwisisa kuti zvinova zvakangofanana dzaitungamirira munhu chikwereti, iri chiitiko zviitiko zvisingafanoonekwi, vachafanira kuita kubhadhara zvikwereti zvemba nekodzero ramangwana musha uridzi.

raida magwaro

A seti magwaro kuti anofanira kuzviisa pasi co-anokwereta pamusoro chikwereti - ndiwo magwaro zvakafanana huru anokwereta, zvinoti:

• Pasipoti.
• Chitupa Chokuita mudyandigere Inishuwarenzi.
• Document kuratidza kunyoresa panzvimbo chaiyo yokugara.
• Kuzivikanwa magwaro avo vose vanogara pamwe naye (vana vaduku, mwenga, vabereki).
• Basa-bhuku.
• Information pamusoro mari ongororo.
• Gwaro kuvapo dzidzo.
• Other zvinyorwa akumbira pamahombekombe.

co-anokwereta mari

mabhanga siyana vane mafungiro akasiyana kuti co-anokwereta mari. Vamwe havana kuchikosha kukura Payroll yavo, uye vamwe vari kufunga candidacy nokuda co-kugadzirwa chikwereti chikwereti hapana nyore pane huru anokwereta. Somuenzaniso, imwe co-anokwereta pamusoro chikwereti muna mumari Bank vachafanira kusimbisa kwaniso yavo yekubhadhara, uye kukura mari yake - zvinoenderana zvaida chikamu chete akabhadhara mari. Ndizvo nawo zvavakatemerwa rinenge chete zvinodiwa kuti mukwereti.

Co-anokwereta pamusoro chikwereti: kodzero mitoro

Anokwereta chero mamiriro ezvinhu mhosva uyewo co-anokwereta pamusoro chikwereti. kodzero pfuma kunogona akasarudzwa muna chibvumirano kuti chikwereti achiposa kureva, vanogona kuva kana kuenzana mativi, uye rakakamurwa zvimwe zvikamu pachako.

Chikwereti chibvumirano anofanira kutaridzwa papi yokubatana achatsiviwa chikwereti kubhadhara. Somuenzaniso, co-anokwereta chikwereti Sberbank anogona kubhadhara chikwereti chine anokwereta zvikamu vakaenzana. Uye pane imwe nzira, iyo co-anokwereta Achatsiva kubhadhara chete panyaya kana hazvina kuita mukwereti.

Chero zvazvingava, mutoro uye kodzero kuudzawo zvakafanana pakati mogeji ngava. Saka, mari yose ukama pakati mukwereti uye chikwereti naye vanofanira rakanyorwawo, kunyanya kana havasi voukama.

Uye co-anokwereta ndechokuti nhoroondo

Banks vanonyatsoteerera kuti mutengi ndechokuti kare, ndiko kuti, sezvo kare, vakanga vakabhadharwa chikwereti kubhadhara. Kwemakore gumi, mbiri Bureau chikwereti mishumo vari kuchengeta vomuUmambo zvose Russian. Hazvina basa izvo kubhengi rave rakapa zvapfuura chikwereti chemari, chero chikwereti nhoroondo yaiva yakanaka. Izvi zvinoshandawo mukwereti uye co-anokwereta. Kuri kuti mumwe wavo nhoroondo pamusoro mutsividzo kuti chikwereti zvikwereti akaipa, ipapo kubhangi anogona kuramba kuti ape mortgages kune vose.

Pane imwe namano. Kuri kuti mukwereti, nokuti chero zvikonzero vachava sauka uye co-anokwereta havagoni kuripa chikwereti chikwereti pachavo, mbiri nhau vaviri vachava kunaka. Saka achida kubatsira, murume pamwe chikuru nechikwereti kunogona kuwira ndandanda nevanoodza kutendeseka vatengi. Uye kunogona kukanganisa mune ramangwana kuti ape chikwereti itsva, kana achida.

Co-anokwereta uye rubatso

Vanhu vakawanda vanofunga kuti co-anokwereta pamusoro chikwereti - ichi ndiro rubatso. Zvisinei, hazvina kuita sokunge vane zvakafanana zvinhu.

The rubatso ndiye rubatso pamusoro kudzoka mari nekanzuru akakweretesa, asi haina muridzi wenyika vawana chikwereti redzimba kana pfuma. Uyewo, kana nzira kuti kunyoresa mari chikwereti rubatso haagoni kuita kubhangi gwaro uchapupu mari.

Uyewo, mumwe kusiyana co-anokwereta uye zvedi ndechokuti rubatso mari haina kutorwa paunoronga pakuverenga kufadza kukura chikwereti uye vasakanganise chitsama mukwereti mari. Asi co-anokwereta mari Kusiyana neizvi, munyaya nyaya, kana anokwereta ane yakakwirira zvakakwana azvipire mubayiro.

Sezvo Kuisa mutsividzo rubatso zvikwereti iri nechepasi, ndiro anokwereta unoripa chikwereti Pakutanga, ipapo zvinoitirwawo insolvency anotanga kubhadhara co-anokwereta, iyo rubatso uye chete ipapo, kana akakwereta uye co-anokwereta havagoni kubhadhara chikwereti.

Bank mamiriro ezvinhu kuti co-anokwereta

Sezvo anokwereta uye co-anokwereta aine chikwereti vane kodzero uye mitoro kubhangi, ipapo rinofumura navo chete zvinodiwa. Saka shamwari iri chikwereti anogona kuva mugari wenyika Russian Federation haana muduku kupfuura gumi nemaviri, ari ukuru ukama pamwe huru anokwereta kana kwete. Chimwe chikuru ezvinhu kubhangi pave kudzoka zvikwereti chikwereti, ndiyo kuvapo chinoramba urefu basa kwemwedzi dzinenge mitanhatu asati pakunamata.

Pasi mutemo co-anokwereta iri kwaita kuzivikanwa anokwereta wako, uye iwe unogona kunyange kushanda. Kana murume hazvivakwani yakakwirira yakati sandara mari, ipapo bhengi anogona kuisa zvinhu nokuda issuance munhu chikwereti chikwereti - kukwezva imwe kana mbiri co-anokwereta. Ungangove, vaviri vacho vechiduku havana kugovana dzimba dzavo neshamwari kana vafambidzani, saka vanogona kusarudza basa "Vabatsiri" vabereki kana hama dzepedyo.

nengozi

Chokutanga pangozi zvose, Chokwadi, anopfuura co-anokwereta, pane anokwereta pamusoro chikwereti. Achida kubatsira, vakawanda usafunga pamusoro pezvingazoitika uye matambudziko zvinobvira. Mortgage chikwereti haina kubhadharwa mukati mishomanana, uye rakundwa kwemakore akawanda. Naizvozvo, matambudziko akadai chirwere, urema, uye zvimwe zvinoshamisa anogona kurwadziwa mumbudu co-anokwereta. Izvi ndezvechokwadi kunyanya zviitiko apo chibvumirano rinopa kuti aite zvose zvachose zvakaitika kwaari Mamiriro ezvinhu insolvency huru nechikwereti.

Zvangoitikawo kuti vabereki vave co-anokwereta vaduku vaviri, zvichiita panze nezvokudzivirirwa kwavo pfuma, uye kana vana vavo pakarepo vakarambana, vanozviwana vari risingafadzi zvikuru mamiriro - zvikwereti uye mufurati chikwereti.

Kana shamwari dzako vakasarudza kubatsira uye kutora basa rakadaro, uye pashure penguva mukwereti akava sauka uye anoramba kubhadhara chikwereti chacho, kubhangi inotakura chikwereti kubhadhara navo. Uye zvakanaka, kana akakwereta anokwanisa kubhadhara co-anokwereta vakapedza mari mune ramangwana.

Pane rumwe rutivi kana vanhu vanoverengeka vakaita mortgages. Sberbank, uyewo mabhanga mazhinji anogona kuramba co-anokwereta, kana akasarudza kutenga mufurati nechikwereti pachavo nokuda kushaya mari zvinowanikwa yaipedzerwa mari.

Sezvaunogona kuona, pane ngozi dzakawanda kuti co-anokwereta, uye asati ava mubatsiri ari chiitiko chinokosha sezvo kutenga Apartments, arasikirwe yakawanda nguva yokufunga, kuti ipapo haana kurasikirwa neshamwari.

anomukweretesa Insurance

Kuti arege kuwira mamiriro ezvinhu akaoma, mumwe kurutivi kana kushandisa kuti chikwereti anofanira kuziva kodzero dzavo, kusanganisira co-anokwereta. Rights ari chikwereti chikwereti, sezvo akataura pamusoro, zvamugere zvakafanana pakati nechikwereti pamusoro chikwereti. Asi chikuru chinhu chine kuti co-anokwereta - ndiko kuti inishuwarenzi pachavo.

Sezvo rubatso pamusoro chikwereti kubhadhara, unofanira inishuwarenzi kugona kwako, uye nyaya insolvency yekambani inishuwarenzi kare achatora pamusoro fanira kubhadhara. Nokudaro, inishuwarenzi mutemo inopa inosimbiswa nenguva kubhadhara chikwereti chikwereti ari chiitiko nezvinoitika ezvinhu.

Dzimwe nguva co-anokwereta vashandi vanenge akatenga nzvimbo zvebhizimisi. Saizvozvowo, kubhadhara chikwereti pamwe chete, vanofanira inishuwarenzi wakare chaiye, uyewo yaro chinhanho.

chibvumirano The inishuwarenzi koda zvose mabhanga, kunyanya kana chikwereti anomukweretesa mabasa. Sberbank Somuenzaniso, kana iwe kuita inishuwarenzi Mutemo pacho kubvisa komisheni kuti vatengi vakanga vakawanda vaifarira basa kubhengi.

Inishuwarenzi kunobatsira kwete chete co-anokwereta, asi kubhengi pachayo. Inopa akavimbisa kubatsira uye kunodzivirira siyana nematambudziko, akadai chikwereti muunganidzwa, mari nazvo.

Mortgage chikwereti pamwe co-anokwereta - inokosha zvikuru, saka ari mhedziso chibvumirano chinofanira kunyatsoongorora kuridzidza uye uzive zvose anokakavara nyaya.