Kurambirwa inishuwarenzi mushure chikwereti: nechigadziko, zvikonzero uye magwaro

Pose vachipinda chikwereti, anokwereta anotarisana kudikanwa kutenga yeinishuwarenzi mitemo, asi dzimwe nguva kuti haisi chete. The Bank sezvo kadhi sangano rinotsvaga kurerutsa ngozi dzavo, uye anokwereta haadi overpay kuti zvisingakoshi naye nyasha. Edza kufunga kana kuti insured uye sei kuti Kurambwa inishuwarenzi mushure chikwereti.

Chii inishuwarenzi uye ndiani anochida

Kusarudza kubva aronga pamahombekombe zvikwereti inopa, akakwereta ari kuedza kusarudza pachavo zvakanaka nezvechisarudzo: nyore pamusoro gore negore mubereko uye pamwedzi kubhadhara. Uye kazhinji wanetsa anobvunza, zvino sei clam mushandi saka uchiramba kuedza "kudzivirira" kubva ezvinhu inishuwarenzi zvakasiyana? Sei chikwereti mamaneja vanogara zano kuisa cheki mubhokisi "Ndinobvumirana kuti insured," vachifanotaura zvimwe zvisina kunaka kubhengi? Chokwadi, chibvumirano zvakajeka kuti akakwereta vanosungirwa kuwana yeinishuwarenzi mitemo, asi chaizvoizvo ...

Inishuwarenzi ...

Saka, inishuwarenzi - mumwe rwezvemabhengi purogiramu, ari kuedza kudzivirira waibva zvichibvira asiri mutsividzo kuti chikwereti kuburikidza nawo. Nhasi, inishuwarenzi - chikumbiro kuti marudzi ose zvikwereti wakabudiswa zvemari masangano. Kana munhu aiva nemhosva kunzwa matambudziko emari, haichawaniki anokwanisa kubhadhara kwavo zvikwereti, nokuti inotanga kuita basa iri boka inishuwarenzi.

Ndezvipi zviitiko - inishuwarenzi

Inishuwarenzi iri kusashanda pamusoro panowanikwa zvimwe zviitiko kuzivikanwa inishuwarenzi:

• panowanikwa ezvinhu umo anokwereta anorasikirwa kukwanisa kwayo kushanda uye anogamuchira boka urema (II kana III);
• anokwereta anorasikirwa kumabasa ake haasi havo (kudzingwa);
• harigoni kuzadzisa ayo mitoro nokuda njodzi kwakaitika (semuenzaniso, njodzi dzinongoitika dzoga);
• rufu anokwereta.

Mari kuti unofanira kubhadhara inishuwarenzi uri chikamu chezvinhu chikwereti (wechikoro) uye ndiye akaita nguva takarurama pereplachivaniya vanhu vakawanda vanoedza kuita Kuramba inishuwarenzi mushure chikwereti. Sezvineiwo, mashoko anofungidzirwa uwandu vachibhadhara izvozvo zvinosiyana munzvimbo kuwanda 25-30%. Inishuwarenzi inowedzerwa mumwe rendi ari kuparadzirwa zvakaenzana pasi rose chikwereti izwi.

Chokwadi, zvinhu zvakanaka inishuwarenzi varipo, asi kwete nguva dzose zvinoita panowanikwa insured chiitiko, uye, naizvozvo, kuti muripo kubhadhara. Somuenzaniso, kana akakwereta mushure vanyorwa mbiri ari kutanga kuchinja mamiriro ezvinhu emari zvakaipisisa (kusiya basa rake uye hadzikwanisi kuwana kubhadhara chikwereti) vanofanira, nekukurumidza kufadza kambani yacho inishuwarenzi, mashoko nezvazvo. Misi pamusoro izvo zvinofanira wazivisa insurer yavo, nezvaro chibvumirano, asi kazhinji havaiti pfuura 3 days.

How kuderedza muripo inishuwarenzi

Kana anokwereta unoramba insured, kazhinji kacho, zvichava kumirira Kurambwa kubhengi chikwereti. Izvi nokuda kusada yacho kubhangi vanorasikirwa nemari yavo. Asi, kana iwe uchiri vakarega anokwereta kuti inishuwarenzi pachavo, pane mibvunzo inoverengeka ichabatsira kuderedza muripo:

1. Kana chikwereti chinofanira mubayiro pfupi, ichava akaderedza uwandu inishuwarenzi? Hongu. Uye ndiyo inonyanya kunobatsira nzira ichaita maximize mari pamusoro inishuwarenzi.
2. Dzokera kana mari kutenga inishuwarenzi kana insured chiitiko kumboitika? Mhinduro yomubvunzo uyu ndiyo chete chikwereti chibvumirano uye yakasimbiswa munguva apo zvinogona kuitwa. Asi anokwereta vanofanira kuva vakagadzirira, kuti insurer achaita zvose zvaanogona kuti izvozvo zvisaitika.
3. Chii vanotyisidzira kuramba inishuwarenzi kana chikwereti watopiwa anotenderwa: wakanaka kana kuchinja chikwereti chibvumirano? Pane mhinduro zvinogoneka maviri. Chokutanga, bhengi mberi nguva, anoita akakwereta kudzoka kwake chikwereti mari mukati masvondo maviri panguva imwe chete kubhadhara yakaisvonaka zvaitaurwa kondirakiti. Chechipiri, bhengi haangavi zvinoda mangwanani mutsividzo, panzvimbo, zvichava kusimudza mashoma pfungwa wepagore mubereko pamusoro borrowings. Kusvikira pagore ndivo kwaizowedzera, maererano chikwereti chibvumirano, uye imwe neimwe nyaya nomumwe. Saka, bhengi ari kuedza kuzvidzivirira yakawanda sezvingabvira kubva anokwereta vanoita kubva Kurambwa inishuwarenzi mushure chikwereti.

Nokuchengeta anokwereta kana chokuzvidira kubvumirana?

Muzviitiko apo inishuwarenzi angava madikanwa, kwete zvokuti:

1. Kana kuita chikwereti chikwereti: maererano Article 31 Federal Mutemo "On Mortgage" nomutengo mukwereti kwedzimba wakanyengwa kubhengi uye, maererano Pakuurayiwa chibvumirano, vachava pasi inishuwarenzi.
2. By mhando rakapa bhangi chikwereti zvigadzirwa. Kana pfuma akawana anokwereta iri achitaurwa nevanopinda mubhangi, pasi chibvumirano chibvumirano (semuenzaniso, motokari). Panyaya iyi, mukwereti kuitwa rinorambidzwa muchimiro motokari inishuwarenzi pamusoro kukuvara kana kurasikirwa.
3. Kuita chero Mutengi chikwereti, kubhengi anekodzero hake akakwereta kutenga inishuwarenzi policies utano kana upenyu, kureva nenzira dzose kuti vazvidzivirire nokuda zvakakodzera kuita mabasa ayo pasi chibvumirano.

Nenzira, Federal Mutemo "On nevatengi chikwereti" anofadza zvakagadzirwa. Saka, kana waita chikwereti kubhengi achingoramba vanotenga yeinishuwarenzi gwara mukwereti, akadai upenyu, ipapo anokwereta anogona ikozvino havabvumirani. By mutemo, kwakadai inishuwarenzi haina kuzvireva. Panyaya iyi kubhangi tinosungirwa kupa mukwereti imwe nzira yokugadzirisa: kuti chikwereti naye kunyoresa inishuwarenzi kana kugamuchira chikwereti pasina inishuwarenzi, asi kwakafanana ezvinhu (eg yepamusoro interest). Uyewo, bhengi vanosungirwa kupa anokwereta kusarudza kambani yacho inishuwarenzi pacharo, asi kubva yakananga pasi.

Kugadzirisa dambudziko iri "nemari Bank"

Ape kusarudza - sei kuti vasarudze kubva inishuwarenzi pamusoro chikwereti mushure mekugamuchira - rwezvemabhengi zvikoro kuonesesa zvakasiyana. Saka, kudzorera inishuwarenzi yemutoo wezvikwereti nevatengi mu "nemari Bank", pane 2 nzira:

1. Kana mazuva asingasviki 30 kubva musi kwemamiriro chibvumirano, akakwereta anoenda bhengi bazi yaakaita kubva chikwereti. Uyezve, free-chimiro zvakanyorwa chikumbiro kuti dzosera mari inishuwarenzi tsva muzita musoro weboka. Pano, uwandu inishuwarenzi chichange refunded zvakazara.
2. Kana musi zvichinzi zvakafanana chikumbiro kusaina kwapfuura mazuva anopfuura 30. Asi mari kuti refunded achava 50% uwandu inishuwarenzi.

Dzorera inishuwarenzi pamusoro mortgages uye zvikwereti motokari sezvinobvira, uchishandisa zvakafanana zano nokuda kwezvikwereti nevatengi. Asi pane caveat: kana chikwereti akanga achidzorerwezve mberi purogiramu, uye inishuwarenzi akabhadhara rose chikwereti rokuti, zvichaita hazviiti kuti waiver rweinishuwarenzi mushure chikwereti. "Sberbank" harizodzoki.

Bank "Setelem"

Dzokera inishuwarenzi shoma mu "Setelem" -Bank zvichibvira, asi pano ndechokuti chii mutemo chakatengwa. Kana mutemo chaiva kutenga upenyu uye utano, mukati memazuva 21 kubva chibvumirano nemasaini musi kuuya kuhofisi insurer uye kuzadza panze marapiro asiri inishuwarenzi mushure chikwereti. Inishuwarenzi achava refunded kuti anokwereta kubhadhara chikwereti.

Kana nzwisisika inishuwarenzi (pfuma inishuwarenzi pamusoro zvakakanganisika ndinoiitawo kuremara uye kodzero, pamwe utano inishuwarenzi) rave rakapa, Zvicharerukira kwakaoma. Insurer mu "Setelem" kubhengi ndiyo LLC IC "nemari Bank Life Insurance." Zvino iyi, chisarudzo uchatorwa "nemari Bank" pashure kukundikana akakwereta kunyora kubudikidza inishuwarenzi mushure chikwereti. "Setelem" kudzorera inishuwarenzi hazvirevi kukwanisa kubatsira.

Bank "ICD"

Kudzoka yakatengwa policies inishuwarenzi mu "ICB" kwakaoma zvisingaiti. Vanofanira kuverenga chibvumirano kakawanda, kuitira kuti kurasikirwa nemari.

Somuenzaniso, imwe anokwereta anoshanda kubhangi kuti mutengi chikwereti ari uwandu 350 zviuru rubles. Credit maneja nemashoko akatsanangura kuti chinodiwa kuwana zvikwereti - zviri kunyoresa inishuwarenzi (pamusoro kurasikirwa basa ndinoiitawo netsaona, urwere, uye rufu). Pasi chibvumirano, mari unogona kuripa mberi purogiramu, pamwe kudzoka dzinenge 50% of inishuwarenzi uwandu. mamiriro ezvinhu akadaro akaita anokwereta, uye iye akasaina chibvumirano, haasi kudzidza nokungwarira. Yaipedzerwa, iyo inofungidzirwa mubereko wepagore vakasvika 500,000 rubles. Pashure pemwedzi mitanhatu akakwereta kuna prepay chikwereti chacho uye akanyora mashoko pamusoro muripo wake tsva pakuverengwa insured. Asi pachinzvimbo akapikirwa 75,000 rubles (inishuwarenzi vakasvika 150 000), iye dziri chete 9000.

Kutanga kunzwisisa, mukwereti achakurumidza kuziva chokwadi kudzidza inattention arasikirwe mbiri chibvumirano mitemo rwokutenga 4 inishuwarenzi emisasa inishuwarenzi mukurumbira, mbiri mune imwe kambani. Nokuti asapinda boka inishuwarenzi kubhadhara iri mari 60 000 rubles haina kudzokera zvachose chero zvodini. Pasinei akanyorwa kurambirwa inishuwarenzi mushure chikwereti, "ICD" haana kudzokera chero mari yakawanda kuti anokwereta.

Bank "Renaissance"

Bank "Renaissance" achibvumira anokwereta ayo kurega inishuwarenzi pazviitiko zviviri.

1. Mushure kusaina chibvumirano mukati 5 mazuva mukwereti vachabva Kurambwa inishuwarenzi mushure chikwereti. "Renaissance" kubhengi vachadzoka inishuwarenzi shoma. Kana ukanyora mashoko kwapera, kambani yacho inishuwarenzi muchashandisa Art. 958 of Civil Code of Russian Federation, kugumisa chibvumirano uye kudzorera mari.
2. , Kuwana chikwereti mari akashaya, asi insurer rinodzokera mukwereti chete mumwe mari inishuwarenzi kureva, "insurer anekodzero kugamuchira mugove inishuwarenzi shoma, yakavakirwa nguva apo chinhu chibvumirano inishuwarenzi chiito."

Mashoko mashoma mhedziso

Chisarudzo kana kwete kuti insured, anokwereta anogamuchira, asi kunyange kana chiri chakanaka sarudzo nguva dzose zvinoita kuti ape Kurambwa inishuwarenzi mushure chikwereti.

Uye mumwe muromo. Anokwereta zvinofanira kuenzana kuti dzosera rweinishuwarenzi mune makopi maviri, uye inoda kuti vashandi vane kambani inishuwarenzi ane kana kubhengi ndokutsika Serial nhamba uye musi rako. Dzimwe nguva magwaro vakarasika pfuma ...