Ko inishuwarenzi chikwereti kunodiwa (mari Bank)?

Vanhu vakawanda munyika yedu anoda kutenga imba achibatsirwa zvikwereti. Sezvingatarisirwa, zvavanoda, kana pamwe chikwereti inishuwarenzi iri mari Bank chinodikanwa? Kuti uwane mashoko pamusoro basa iri ichakurukurwa munyaya.

mhando inishuwarenzi

chikwereti inishuwarenzi Sberbank ndiye 2 mhando:

• upenyu uye utano;
• pfuma.

The mhando basa yokutanga haina vaiona madikanwa, asi kuramba ari chikwereti exchange inowedzerawo. Inishuwarenzi Mortgage Sberbank ndiye fanira. Kutenga pfuma, iyo yeGmail.END_STRONG anotumira zvive rubatso nguva kuti chibvumirano ndehwechokwadi. Naizvozvo, kuti kurega inishuwarenzi uri chikwereti muna mumari Bank hazvishandi. Inishuwarenzi iri rakapa nokuda kutenga chinhu.

kunyoresa

Inishuwarenzi rakapa panguva kwemamiriro chikwereti chibvumirano. Kana uchida kuvandudza mutemo, unogona kuita saizvozvo pamusoro Website of mari Bank. Pane zvinhu zviviri zvinogona kushandiswa nemakasitoma:

1. "Kudzivirirwa anokwereta Online".
2. "Mortgage inishuwarenzi mutsetse."

Chokutanga chezvawanyora yokudzivirirwa utano ngozi kurasikirwa kana kurega kubva upenyu. Uye yechipiri yakaitirwa kudzivirira kurasikirwa, kukuvara pfuma, iyo kiyi.

The "Kudzivirirwa anokwereta Online"

Arayire basa iri:

1. Shanyira nzvimbo mari Bank;
2. Shanyira "inishuwarenzi pachavo uye pfuma" Chikamu;
3. Unofanira kuwana basa uye batanidza nayo.

Pasi pechirongwa ichi, akafukidza ngozi vakaremara mapoka 1 uye 2, uye rufu. The dzosera mari akaenzana chikwereti mari, izvo zvinofanira kubhadharwa. negwaro vaite 1 gore.

The "Mortgage Insurance Online"

Mutemo nokuti chirongwa ichi chinoshanda panzvimbo. Kuti aite izvi, kuwana zvakakodzera chikamu uye Activate basa. Sezvo anofukidza ngozi anondibatsira chinhu:

• masvingo;
• partitions;
• mahwindo;
• pamukova;
• denga.

An inishuwarenzi reimburses muripo pa:

• moto;
• gasi kuputika;
• mumwe mheni sitiraiki;
• dzinongoitika dzoga;
• zvisiri pamutemo zviito kumapati rechitatu.

The rokuti mutemo chinonzi kuti 1 year.

makambani inishuwarenzi

Kana inishuwarenzi mortgages Sberbank, inosimbiswa zvizere muripo kuna insured chiitiko. Inishuwarenzi Makambani pakutevedzera zvebhizimisi "mari Insurance."

Vatengi vanogona kusarudza mumwe mapoka 17:

1. "VTB Insurance";
2. "Ingosstrakh";
3. "RESO-Guarantee";
4. "Wamazvirokwazvo Insurance";
5. "Rosgosstrakh".

chirongwa neimwe inopa pachake mashoko ayo, anoita zvinodiwa kuti vatengi. The chibvumirano chakaitwa muna mari Bank, pashure iro basa anotanga kushanda. Muna inishuwarenzi nyaya, mumwe kambani anovimbisa kuripwa kukuvadza.

chizvidavirire nengozi

For insured zviitiko dzinosanganisira:

• kukuvadza kuti nzvimbo;
• kuba;
• moto, mafashamo;
• gasi kuputika;
• njodzi.

Kana pfuma yaparadzwa zvachose, pane muripo izere chikwereti. Kushaya uye kukwana kukuvara. Huwandu nhau iri nomumwe.

mamiriro

Terms of inishuwarenzi kuvimba kambani. Havasi mabhanga vanogamuchirwa mitemo. Zvakakosha kuti kwezvatiri zvose zvaidiwa womunhu anomukweretesa. Mari Bank kushanda pamwe nemakambani kuti vafukidze nevakawanda njodzi. Izvi zvinobvumira kuti uve nechokwadi kuti vadzoke mari.

Sberbank panzvimbo unogona kuwana mazita makambani zviri kuita inishuwarenzi. Panyaya iyi, mukweretesi haafaniri kumanikidza insurers, uyo chibvumirano. The yeGmail.END_STRONG anogona kusarudza kambani.

Chimwe chezvinhu mutemo

Asati inishuwarenzi chikwereti chichange wakabudiswa mumari Bank, zvakakosha kuti unyatsoteerera inokosha zvinhu:

• uwandu nhau - pamusoro mureza kondirakiti anotarisirwa mari yakaenzana kuti chikwereti overpayment;
• Saizi kambani shoma - the anokwereta of mari Bank zvinganaka pamwero chete - 0,15% chepfuma mutengo;
• nguva mitemo chiito - kazhinji akaenzana izwi chesungano;
• mamiriro prolongation - vamwe yemakambani kuwedzera mwero mubereko pashure 1 zuva;
• mangwanani mutsividzo - kazhinji premiums vakadzoka panguva vakurumidze kuripwa chikwereti. Kana mashoko iri kwete chibvumirano, ipapo dzosera angamuka kunzwisisa.

Kuchera inishuwarenzi kunofanira chete kana zvose zvinhu zviri sutu yake. Zvinokurudzirwa uzive nemitemo yemakambani akawanda kusarudza zvakarurama.

Chii chinodiwa?

Chii chinodiwa, nokuti yapiwa kuna inishuwarenzi furati nokuda mari Bank? Mortgages shumiro Chakaitwa pamwe. Kuti tiwane mutemo, unofanira kuva nepasipoti uye kadhi chibvumirano, Munongedzo kuti kuongorora kukosha pfuma. 2 magwaro achangopfuura akaisa mutengo mutemo. Kukura inishuwarenzi shoma iri sei:

• nezvevakafa pfuma;
• ya chibvumirano inishuwarenzi;
• Nhamba njodzi.

mari

How zvikuru inishuwarenzi kuti chikwereti iri mari Bank? Price vagara vandifungira ezvinhu pfuma uye mari mufurati. Pakati Dzinenge Masvomhu tinoitirwa makasitoma zvose.

Pane kusarudza 2 zvokusarudza:

• mutemo akatengwa panguva zvizere mutengo mufurati;
• Gwaro iri kutengwa nokuda mari uchida kubhadhara kubhengi.

Avhareji yevanhu 0,225% of chikwereti uwandu. Somuenzaniso, imwe pfuma aikosha mamiriyoni 3 rubles, kuripwa mamiriyoni 1 rubles vokutanga, uye mutemo wacho watengwa chitsama chikwereti, ipapo muna 4500 rubles achaita mari inishuwarenzi aine chikwereti iri mari Bank. Mari gwaro iri pamusoro chete uye mune mamwe masangano.

Polis ane ukoshi 1 gore. Kana anofa, zvinokwanisika kushandisa kuwedzera kana kuita gwaro idzva imwe kambani. Yaakatenga achibatsirwa kuita mupiro pagore. Hapana mumainishuwarenzi.

dzokera

Anokwereta anekodzero kudzoka vachibhadhara akaita pamusoro nguva, kusapfuudza rokuti chikwereti. Panyaya iyi, pane dzimwe subtleties:

• kana mutemo chinoshanda 11 months kana kupfuura, yose mari achava refunded;
• kana chikwereti iri kubhadharwa, uye mutemo chinoshanda kunyange hafu nguva, yeGmail.END_STRONG anogamuchira hafu inishuwarenzi shoma;
• kana yakakura chikamu rokuti mutemo akapfuura, mugodzoka mari hazvina musoro.

How kudzorera inishuwarenzi kuti mogeji Sberbank? Zvakakosha kushandisa, zvakapoteredza mubhengi mashoko pamusoro kusavapo chikwereti. A dzosera anogona rwakanga rwuchibuda upenyu inishuwarenzi, utano.

Upenyu uye utano inishuwarenzi

upenyu inishuwarenzi pamwe chikwereti Sberbank hausi kudiwa. Asi kazhinji tsvimbo chandagwinyira zvakagadzirwa mabasa yekuzvidzivirira vasiri kubhadhara chikwereti. Kana inishuwarenzi haauraye, mwero rinobuda 1%.

upenyu inishuwarenzi pamwe chikwereti Sberbank kunosanganisira pave mutoro zvemari yokuwedzera, pamwe kupfuura pfuma inishuwarenzi zvairayirwa. Asi nekuda kwayo zvakanakira basa iri kuonekwa marketable.

Ko upenyu uye utano inishuwarenzi?

Mutemo runovimbisa mari mari kubhengi nokurasikirwa utano uye kuchengeta upenyu. Nekuti chikwereti iri rakapa kwenguva refu, mari Bank anodzivirira pacharo pamusoro njodzi yakadaro. Nokuti munhu anoda kubetserwa, mutemo anoonekwa sevimbiso kuti kana tsaona waro chikwereti sungiro haangafambi guarantors nehama, sezvo chikwereti iri akaripa kure yeinishuwarenzi zvakasimba.

Kana anokwereta kwechinguva asingakwanisi kushanda, ake chikwereti iri vaibhadhara kambani. Pamusoro Kudzimwa kwechikwereti yokunyoresa vakadaro basa exchange inowedzerawo. The pamazita njodzi ingasanganisira:

• rufu;
• urema;
• nebasa.

"Mari Insurance" anomhanya zvinotevera mapurogiramu:

• mureza chirongwa - 1.99%;
• utano uye nebasa - 2,9%;
• yakazvimirira vakasarudzwa pakati parameters - 2.5%.

rokuremekedza inishuwarenzi

Sberbank akapa zita inishuwarenzi, unosanganisira inishuwarenzi pfuma kodzero. Kana munhu anoda kubetserwa achiteerera chikwereti kuti pekugara, kunyimwa kodzero kwairi, ipapo zvose zvokunyama mitoro pasi chikwereti kuripwa anotora insurer.

Anokwereta, aitenga mufurati pamusoro chikwereti, kunyimwa kodzero akawanda zviitiko:

• pane zvikanganiso zviri magwaro, nokuti chii ichocho chiri repealed;
• yakawanikwa zvitsva kodzero yokuisira, vane hanya asina kufungwa pamasikiro kondirakiti;
• munhu pamusoro vaitirwa kuti kutengeserana iri formalized, kuzivikanwa sezvo sevasingakwanisi;
• kushandiswa mabasa enhema.

Kunyoresa inishuwarenzi rokuremekedza iri nani nokuda pokugara chesekondari, nokuti zvivako varidzi anokwereta okutanga. The zvazvingava basa iri 0.3-0.5%.

zvinyorwa

Inishuwarenzi chikwereti Sberbank muMoscow uye mumwe guta riri akaita urongwa inotevera mazita magwaro:

• chikumbiro;
• pasipoti;
• chikwereti chibvumirano.

Dzimwe nguva kunodiwa kupa chibvumirano waakazvitengesa.

Zvayakanakira nezvayakaipira

Inishuwarenzi ane zvinotevera zvazvakanakira:

• ekisitenjeni kubudikidza nzvimbo;
• Haufaniri kushanyira kubhangi uye boka racho inishuwarenzi, sezvo zvinhu zvose anoteererwa pasina kubudikidza insurer;
• Gwaro iri wakabudiswa zvemagetsi chimiro;
• mutengo mutemo kunoenderana uwandu chikwereti;
• kwikwidzana rate;
• rakavimbika kupararira mashoko;
• kukwanisa kudzoka inishuwarenzi shoma.

Zvinotevera zvinoumba vari kure minuses:

• kana kuti ape chikwereti basa zvakafanira;
• kunyange inishuwarenzi youpenyu uye utano hakunganzi madikanwa, mwero iri chikwereti pakuparwa kukundikana kwayo yakawedzera 1%;
• mutemo 1 gore, pashure pacho inoda kuwedzera;
• ari kuwedzera gwaro pamwe uwandu muripo mamiriyoni 1,5 rubles haadi paIndaneti;
• okuwedzera mari.

Mortgage zvikwereti

inishuwarenzi Mortgage chinofukidza zvirongwa zvose zvaipiwa mumari Bank:

1. Mortgage pamwe nehurumende rutsigiro. Chokutanga kushanda iri dzinenge 20%. The kunonyanyisa izwi iri makore 30. The overpayment inofanira kugadzwa nomumwe, asi nokuda 11,4%. The Commission pamwe issuance pamusoro chikwereti haina kutorwa, asi pane Real Estate yokunyatsoongorora mari.
2. Kutenga apera mufurati. chikwereti akadaro rakapa pamwe kutenga musika yechipiri Real Estate. Huwandu wakabudiswa 300 zviuru. Rubles pagungano chimbadzo kuti 12,5% uye izwi kwete anopfuura 30 makore. Kukura wokutanga muripo vagara vandifungira zvinoverengeka, asi kwete asingasviki 15% of mutengo pokugara. Akabhadhara chikamu nomubereki guru rokutanga.
3. Purchase pokugara pasi kuvakwa. Terms of chikwereti pasi chirongwa ichi kunosanganisira urongwa mari kutenga redzimba itsva. mari yayo, uyewo nepaitengwa chivako, akaenzana 300 zviuru. Rubles. The zvazvingava pasipasi akaenzana 13%. Rakapa mortgages makore 30. The muripo wokutanga anogona kuitwa tichiregeredza mubereki guru.
4. Nomumwe kuvaka imba. It yakabudisa chikwereti 300 zviuru. Rubles kubudikidza 13.5%. Muripo wekutanga 30% of mutengo pokugara. It akapa chikwereti makore 30.
5. Mortgages nokuti kuvakwa kana kutenga imwe nyika imba. Nyaya yokutanga yakavamba ndiyo 30%, uye chikwereti nguva - makore 30. Verengai - rubles 300 zviuru ..
6. Military Mortgage. Nekanzuru muchiuto. Verengai haasi anopfuura 1 mamiriyoni 900 zviuru. Rubles. The zvazvingava iri 12,5%.

By zvinodiwa zvinosanganisira kudzoka makore 21, uye panguva yokudzoka inofanira vaifanira makore 75. Unofanira kuva basa zvakaitika 6 mwedzi. Zvakakodzera kukoka co-anokwereta - anosvika 3 vanhu.

Nokuti kunyoresa mortgages vanoda pasipoti, chikumbiro chimiro, muridzi, chitupa rokuremekedza kunyoresa. Unodawo nyanzvi mafungiro pamusoro wayo uye kukosha chinhu, rekisteröidy uye michina certificate. Pamwe vanyorwa chikwereti chibvumirano chakaitwa kuti inishuwarenzi. Asi kana inishuwarenzi pfuma iri rokumanikidzirwa, upenyu uye utano anosarudzwa pachishandiswa chikumbiro mukwereti wacho. zvinhu mutengo kunowedzera vane mabasa aya. Naizvozvo, unofanira kunyatsotarisa kana mari mikana mari mabasa akadaro.