Dzorera mogeji mubereko. How kuwana dzosera pakati akabhadhara mogeji mubereko

Kuva kwako pfuma chiyero ukoshi. Makore 30 apfuura kugadzirisa chinetso ichi kwaiva hurumende. Zvino, vagari pachavo vanofanira kupa kwavo pokugara. Asi vamwe rubatsiro zvakadaro kuverenga. Somuenzaniso, kudzoka yechimbadzo mogeji. On musimboti uye mashoko iyi, verenga mberi.

Kujekeswa pfungwa

Mortgage - imwe nzira kuwana pachavo dzimba dzavo. Kana asiri vapamatunhu mubereko basa iri, une Russian ose kare kuti avo mativi footage. Zvisinei, hurumende inopa mukana haasaruri muripo kuti mari. Saka, chii chinoumba kudzokera kufarira pamusoro chikwereti chaizvoizvo.

1. The State rinobvuma kuti kutenga redzimba - chiitiko chinokosha zvikuru muupenyu vagari, saka, anoita kuchinja kuti Tax Code.
2. Decline zvivako kutora mari kuitika Akaroromesawo mutero nechigadziko, izvo mugari inobhadhara 13% NFDL. Somuenzaniso, kana munhu ari kupomera munhu pamwedzi muhoro 30 zviuru. Kwiza., The gore akagamuchira 360 zviuru. Kuzora. Kana mari iyi anokwanisa kutenga zvivako, mutero nechigadziko ipfupi ne yakafanana nhamba. Kuti, hurumende vanosungirwa kudzokera: 360/100 X 13 = 46,8 zviuru rubles .. chikamu ichi mutero dzakava mugore iro kuritenga yakanga kunyorwa kwenyaya. The kukarukureta anotora uwandu dzakava asi hazvibhadharwi mari.
3. Nhamba yevanhu vakakwanisa kutenga mufurati panguva, zvishoma. Zvakawanda kwema unoitwa Yakabudiswa. Hurumende kwakasimbiswa chirongwa umo pangoro inopiwa kuderera chitsama kufarira kuti vanhu vabhadhare muchimiro pamwedzi kubhadhara. Nekuti basa kubhengi - chikuru chikamu kutenga mufurati mari. 13% kuti mari iyi, uye anofanira kudzokera.

Ndiani ane kodzero bvisa

Vagari vane manyuko mari taxable pachake mari mutero. Chokutanga, ndivo vanhu vari basa uye kuwana "chena" muhoro. Kana uri kushandisa "kuchena" kurongerana, unogona kuvimba muripo pamwe mukuru mari. Kana mugari anogamuchira mari siyana (maviri kana kupfuura mabasa, rendi, anowana kutengeswa kuchengetedzeka, etc.), Vanogonawo kushandiswa Masvomhu.

Kana anokwereta ndiye entrepreneur ari kushanda ari "Yokudzidza mutero hurongwa", zvaasingafaniri kuti kubatsira kwakadaro. Izvi zvinoshandawo pensioners.

Vakadzi vanogona kushandisa kuti dzosera kufarira akabhadhara pamusoro chikwereti mushure maternity pazororo. Kana yokugara chakatengwa pamberi pake, zviri kufungwa zveminda kuti "zororo." Kana havana kuti uchashayikwa, ipapo chasara chinogona kuwanikwa mushure mazororo.

Vanhu vari pamutemo kushanda muRussia anopfuura 6 mwedzi yegore, asi havana chizvarwa, atore dzosera kufarira pamusoro chikwereti.

The vakabvumirwa haushandi kana kutengeserana yave vaurayiwa pakati pehama, vatinoshanda navo uye nevamwe chokuita mapati.

Chitsama yaanobhadhara

The hwaro kukarukureta ndiyo mari yakawandisa kuvakwa, kutenga zvivako. Kana kutengeserana iri kuumbwa zvikwereti anokosha-chinangwa, kufarira kufungwa nezvayo. Asi chibvumirano zvinofanira zvakajeka kuti mari yakapiwa "kutenga imba." Akasiyana isingagamuchiriki.

Kana imba isina pakuvakwa kwave zvamatonga mortgages, kudzoka 13 muzana vachauya vachibva kukarukureta uwandu wechikoro uye mubereko pamusoro chikwereti, chirongwa kukura mari, pakuunganidza zvinhu, apedza kubhadharwa, kubatana kuti magetsi network, mvura uye gasi. Mari kupera zvinogona kucherechedzwa chete kana chibvumirano rinoti awana ari konekwa chivakwa. Kana kuumbwa mari mortgages, mari zvose zviri kushandurirwa panguva Gengi pamusoro muripo musi.

The kunonyanyisa chitsama yaanobhadhara ndeyevanyori 2 mln. Kuzora. pamusoro kudzoka wechikoro uye 3 mln. varikwizire. - kana kudzoka muzana. Zvapedzisira Urongwa rinongoshandisirwa zvibvumirano vakagumisa pashure 2013. The yomutero yaanobhadhara haagoni zvinosanganisira mari chakakonzerwa namaneja tichiregeredza dzinopiwa, maternity guru uye mamwe magariro kubhadhara.

Dzorera chikwereti mubereko: zvinyorwa kuti vaverengwe

• The chibvumirano kutenga zvivako kana kodzero kuwana nayo mumba ichangovakwa.
• Kuzvibvuma hutachiwana.
• Documents achisimbisa mari (chionekeso kuti murayiro, risiti ari mutengesi, bhengi mashoko, pakutengeserana zvokuvakisa nezvinhu).
• Documents achiratidza uridzi.
• Credit chibvumirano.

Pasina gwaro muridzi haagoni kuwana yomutero yaanobhadhara. Kana iwe yakatengwa pfuma muimba yakanga ichangovakwa, nokuti kunyoresa zvakanakira unofanira kumirira chiito mabiko uye hutachiwana. Zvinyorwa zvose zvinofanira rakapa panguva munhu ari kuenda kuripwa. Zvikasadaro uchava kunyora simba gweta iri chaiyo payer.

The pasuru magwaro zvaunofanira kupa kuti mutero panzvimbo dzokugara, zvisinei apo pfuma yakanga vawana. Decision nguva - 3 months. Kana mhinduro iri hongu, ipapo unofanira kunyora chikumbiro, chaiyo uwandu rokubhengi kutamira mari. Mari inofanira kugamuchirwa mukati mwedzi mumwe. Kana kutyora mutero simba kubhadhara mubereko rimwe zuva default pamusoro refinancing unodiwa. Kana chikumbiro kuti dzosera kufarira akabhadhara pamusoro chikwereti chakarambwa, unogona kukumbira dare.

Kuuraya of kutengeserana kuburikidza mushandirwi

Havasi vanhu vose nyore tinker nevateresi. Naizvozvo, kudzokera dzinogona kurongwa kubasa. Panyaya iyi, mushandi chichange kuripirwa hombe muhoro sezvo mari mutero mushandirwi haafaniri kunyima. Nokuti kunyoresa hwokushanda zvakakodzera kutora chiziviso yomutero yaanobhadhara zita chekambani. bepa ichi pamwe kushandiswa zvakafanira kuzviisa pasi mushandirwi.

mutero mari Personal rirege mhosva kubva mwedzi vachitevera okutambirwa magwaro. Kana mushandi achida kuchinja nzvimbo yavo nebasa, pakuenzanisa muripo kunogona kuwanikwa chete kuburikidza mutero. Notice rakapa kamwe pagore.

Kana mushandi ane nzvimbo nebasa, uchapiwawo dzosera kufarira pamusoro chikwereti, hachigoni ngaateme dzimwe mari yezvinhu pamwe mushandirwi ichi.

Nzira kuti mubhadharo

First kutiitira kuti mari yakawandisa kutenga zvivako (kusvika 260 zviuru rubles = 13% * mamiriyoni 2 ...), Ipapo - kufarira akabhadhara. Asi Kuzvizivisa zvakafanira kutaridzwa yaipedzerwa bwuchasiyana pasi muripo. The pasuru magwaro inofanira kuvandudzwa ose 12 months.

Kana yakawanda mari asingadi kufukidza uwandu mari, inogona kuchinjwa kuti gore rinouya. In namano ne mari "kuchena", pane zviitiko apo chikwereti iri akaripa kure kare, uye kuti muripo kuti kumirira kwemakore mashomanana zvikuru.

mhedziso

Munhu anowana pfuma nechikwereti kuRussia, anekodzero kugamuchira dzosera pachake mari mutero. Kufarira pamusoro mortgages vanobhadharwa kure pakarepo, asi vanenge kuripwa chikwereti kubhengi. Operation yakaitwa kubudikidza mutero. Documents nokuti yaanobhadhara unofanira yoku- pagore. Kana mari yave zvamatonga mortgages, kuti muripo rinowanikwa kubva chitsama mari kutendeutsa kupinda rubles panguva Gengi pamusoro muripo musi.