Mat. Capital sezvo kwokutanga mubhadharo pamusoro chikwereti: mamiriro ezvinhu. Documents nokuti chikwereti mutsividzo rwaamai guta

jaya mhuri shoma chete kubata kutenga yavo misha yavo, izvo zvaizoita dzinoenderana zvishuwo mari, rave kumbosiyiwa kubva muhoro. Chokwadi, izvi zvingaenzana rubatsiro hama, dzavo achengeta mari, asi zvakadaro vakawanda mhando nzira ndiyo mogeji anomukweretesa. Hurumende anofarira chokuti vaduku mhuri vakagamuchira akazvimiririra mupenyu, saka zvakagadzira hurongwa vanotsigira vechidiki mhuri.

Rwaamai chitupa nokuti kuvandudzika zvipenyu mamiriro

To musi, zvinokosha kubatsira mhuri mbiri kana kupfuura vana ndiyo mubereki guru. Chirongwa anomhanya kubva 2007. Inogona kupedzerwa pakuwedzera mhenyu nzvimbo, kusanganisira abhadhare chikamu chikwereti nokuda kwezvikwereti chikwereti, kupedza pamusoro yepa sangano chepamusoro redzidzo kana pamudyandigere amai mabasa. The inonyanya nzira yokushandisa rubatsiro rwakadaro mhuri wokuRussia ndiyo tsanangudzo yokutanga. Kamwe akasaina neMutungamiriri weNyika muna May 2015 Federal Mutemo 131-bonde. Capital sezvo kwokutanga mubhadharo pamusoro chikwereti zvinogona kushandiswa pasinei nezera kuzvarwa kana kuitwa mwana wechipiri. Sezvo nokushanda weHurumende mhando iyi. Support mitemo kushandisa rubatsiro rwakadaro dziri kuwedzera. Kare, pasina akamirira aurayiwe 3 years mwana akwegura aigona chete zvishoma yaibvira gwaro rakadaro.

Ndinogona kushandisa chitupa mai vangu sezvo kwokutanga gore nhasi?

Viewed mhando wehurumende rutsigiro kugamuchira gwaro asiri mari, risingagoni vakatsinhanisa uye zvinogona kushandiswa ne mhuri chete dzimwe nguva. Sezvo 2016 kodzero maternity guta sezvo pokuiswa mubhadharo pamusoro chikwereti iri pamutemo kushanda. Chikonzero ari FL № 131 kubva May 23, 2015.

Kana isu kutaura rwevanhu mitemo, maternity guru rinogona kushandiswa kutanga yakavamba, uye sezvo mutsividzo kuti chikwereti chikwereti. Uyu mukana mukuru kuti mhuri duku kuderedza kukura mutoro zvemari uye abhadhare chikwereti nokukurumidza kupfuura kunosanganisira muripo purogiramu.

Sezvineiwo, hazvibviri pasina kunzwisisa. Banking sangano Not ose akabata nyore mortgages pamwe rwaamai guta. Asi pane mabhanga kuti that package kwema izvi nokupa zvakanaka zvirongwa. Kazhinji, nhasi nemasangano akawanda, kufadza kukura chikwereti prices ndiyo 14%.

Kushandisa?

Pakadaro, kana mhuri anoronga kushandisa maternity guru sezvo pokuiswa mubhadharo pamusoro chikwereti, anokwereta vanofanira kusangana zvose zvinodiwa rwezvemabhengi sangano. Kazhinji, zvinodiwa kunyoresa chikwereti akadaro anenge hapana rakasiyana zvatinosiita mutengi chikwereti:

1. musarudzo vanofanira kuva zvechigarire basa uye aishanda kwemwedzi dzinenge mitanhatu. Vamwe mabhanga kumanikidza somunhu fanira chinodiwa - kanenge pagore apfuura 5 years.

2. Pakutanga vaitaura kuti kuverenga kuti chikwereti rwezvemabhengi masangano chete kunganzi, akasimbisa anokwereta mari. "Kuchena" mubayiro aigona chete ave mari yechipiri, asi kazhinji hazvina kuteerera. Uye kusvikira zvino, masangano makuru vari kushanda zano rakadaro. Asi yakawanda makwikwi pakati zvemari masangano anogona kuridza mune nyasha anokwereta. Vamwe mabhanga kufungawo chero mari zvingakanganisa anokwereta, kusanganisira zvisina kurongwa. Pamusoro zviri izvi zvinhu, zvinokosha kuziva sangano revashandi iri nedanho kubvunza. Dzimwe nguva kunoratidza chitsama inofambidzana mubvunzo mune achibvumirana mortgages.

3. Kusava kunyoresa zvivako zviri pfuma. Izvi ezvinhu zvinoshanda vanoda kuronga chikwereti pa zvaunoda zvirongwa, subsidized neHurumende chete.

4. Kana muripo chikwereti rwaamai guta, iro hurumende ichiisa mugove vana kunokosha.

5. Kuti vawane mukana wokuva muridzi evanhu purogiramu chikwereti, mukwereti inofanira kuva yakanaka chikwereti nhoroondo.

How kuwana chikwereti ane rwaamai guta?

pamberi atange zvinofanira kuchinjwa mari mumhuri gwaro mutsividzo musha chikwereti, unofanira kuenda mudyandigere Fund uye kugamuchira chaizvo tsamba iyi, iyo ichava pamutemo simbiso kodzero iyi.

Kana gwaro iri mumaoko anokwereta ramangwana vanofanira kusarudza masangano Banking inokumbira uye apo zvakakodzera kushandisa. Zvakanakisisa kushanyira dzimwe rwezvemabhengi masangano uye kuverenga imwe chikwereti naye rwaamai guta zvirongwa zvose iripo. Chete pashure kumbonyatsoongorora uongororwe richaitirwa chikwereti mazwi (chimbadzo, pre-anotenderwa yakawanda, mamwe inishuwarenzi uye zvichingodaro. P.), Unogona kunyorera kuti vaverengwe.

Nhasi hapana chikonzero kumirira kusvikira mwana, pashure chitarisiko iyo mhuri vakagamuchira kodzero maternity tsamba, 3 namakore. Kana zvakakodzera, kushandisa muridzi gwaro (kureva. E. Vana naamai) vanofanira kushanda kuti miganhu hofisi RF PF pamwe runoenzanirana mashoko uye pasuru magwaro.

Documents nokuti chikwereti mutsividzo rwaamai guta

Kuti kushandisa rugwaro nzira kuzadzikisa ayo chikwereti mitoro, zvinoda zvimwe zvinyorwa. Zvichienderana sangano anogona kupiwa yokuwedzera zvinodiwa. Asi sezvo ari kutonga, mabhengi vakawanda kukumbira zvinotevera zvinyorwa kubhadhara mortgages rwaamai guta:

1. Mapasipoti vemunyika Russian uye makopi magwaro. Ava: Tin SNILS, munhu vanopupurirwa bhuku basa basa. Zvinokurudzirwa kupa pasipoti kana rezinesi rokutyaira kana PTSD.
2. Certificate achisimbisa Kodzero maternity guru.
3. A seti magwaro, izvo pamutemo yasimbiswa anokwereta mari: gwaro achisimbisa kusavapo zvikwereti pamusoro kwairayirwa kubhadhara, mashoko pamahombekombe akadini mari kana mureza fomu 2-gomba anogona kushandiswa.
4. Chibvumirano waakazvitengesa pamusoro mufurati imba kana.
5. Information pamusoro pakuunganidza pfuma, zvachose zvakafanira ruzivo pamusoro mamiriro chinhu BTI, mushoma paimba remazita, pasipoti kuti tinyatsonzwisisa unyanzvi ezvinhu.
6. Official chisimbiso kubva mudyandigere Fund, iyo nokuda zvinogona anokwereta ane mari.
7. Kushandiswa kuti vaverengwe ari mugove uridzi.

Chii chinofanira zvakabatanidzwa mudyandigere Fund?

Zvakakosha kunzwisisa kuti chikwereti kushandisa maternity guru - ichi hachisi kukurumidza muitiro. Kunyanya kana mutengi haashandisi kuminamato Real Estate masangano uye anokwevera pachibvumirano pachavo. Mushure mubhengi akanga akapa mapepa, mashoko, uye zvimwe zvinyorwa zvose zvaida, unofanira kuenda mudyandigere Fund uye kuti vavape nevamwe papepa. Kazhinji, izvozvo:

1. Official mapepa kubva pamahombekombe, zvichiratidza kuti akakwereta zvechokwadi anoda kugumisa nechibvumirano kutenga mortgages. Kazhinji, izvi gwaro pamahombekombe senguva dzose chimiro.
2. Vhuṱanzi All pamusoro pekugara Zvivako, iyo ichava nyaya mogeji anomukweretesa.
3. zvinyorwa zvose, sezvinowanzoita pamwe kubhangi, muridzi nokuda anokwereta (pasipoti, SNILS, VAT).
4. Zviri fanira kushandisa kuti kutapurirana mari mashoko kubhengi.

Terms of chikwereti kubva zvikuru nevanhu mabhanga

sangano zvemari anofarira sei kuswedera yakawanda sezvingabvira zvibvumirwano pamusoro huru kwezvikwereti. Mhando idzi yemutoo wezvikwereti uye mortgages rinoshanda pasi maternity guru. Banks, sezvo tsika inoratidza vane mafungiro akasiyana pamasikiro chikwereti kuti kufungawo mhuri guru. Saka usati wasarudza kushandisa nhovo. Capital sezvo kwokutanga mubhadharo pamusoro chikwereti, zvinokosha kuongorora mamiriro mari masangano. Nyanzvi vanokurudzira kuti pakutanga kuna masangano makuru, izvo zvinofarirwa chaizvo pakati anokwereta.

Mortgage pamwe Sberbank

Pamwe ndiye pamahombekombe kuti anoda kupa mortgages kuti pekugara, zvisinei kwayo muchikwata. Saka, anokwereta ose anogona kuuraya chibvumirano kuti kutenga wechipiri dzimba, private imba kana mufurati muchivako chitsva. Zvinogonekawo uye mortgages pasi maternity guru. The chikuru chinodiwa kubhangi mutemo unoti shanduro gwaro mari mukati memwedzi mitanhatu pashure kwemamiriro kutengeserana.

Official Terms:

1. Chikwereti makapiwa chete nemakanzuru mari.
2. Mwero nokuti chikwereti iri 14,5%.
3. The kunonyanyisa chikwereti izwi - matatu.
4. Huwandu mupiro kutanga anofanira kuva dzinenge 20 muzana.
5. The kutengeserana mutengo haasi kupfuura mamiriyoni 40 rubles.

"VTB 24"

The inonyanya kufarirwa bhengi wechipiri, iyo pamwe chete anokwereta, zvichiita panze mogeji. The chibvumirano inogona kuperera zvachose musha upi, zvisinei kwayo muchikwata. Kureva, kungava chaiyo, wechipiri dzimba, chivakwa chitsva. Nokuti kubhangi, chinhu ichi hachisi determinative. Mortgages pasi maternity guru iri iripo. Dzinokosha mamiriro ezvinhu kwemamiriro chibvumirano, "VTB 24":

1. nokuti vaida kuwana kumba chikwereti kwacho vari kunze chete National mari;
2. Avhareji chimbadzo pamusoro 15,95%;
3. The kunonyanyisa izwi mujeri iri 30 makore mortgages;
4. Minimum mubhadharo kutengeserana 20%;
5. Mari pokugara haafaniri kupfuudza rubles mamiriyoni 30.

"DeltaKreditBank"

Kana mukakumbira, kuronga chikwereti mu "Delta Credit Bank," tinofanira kuyeuka kuti kunyoresa zviri chete zvinogoneka pamusoro nesekondari kwedzimba. Kuchinjirwa mari kubva nguva kwemamiriro chibvumirano zvinogoneka mukati gore rimwe kubva musi nemasaini.

Mamiriro ezvinhu pasi paunogona kuronga chikwereti nokushandiswa mhuri guru:

1. kwema All uye anotamisa zvinogoneka chete National mari - rubles.
2. Paavhareji zvazvingava pamusoro zvikwereti vakasvika 15.25%.
3. Entry muripo weUS 30%.
4. Kufadza zvichibvira nguva chikwereti haafaniri kupfuudza makore 25.

Kukarukureta of kutanga mubhadharo

Kazhinji, kwete bhengi ose anopa mashoko pamusoro chii chichava kukura pasi muripo. mhuri dzose anoda pachena kunzwisisa chii ezvinhu anogona kudhonza, uye saka anoda ngaaverenge ukuru pasi mubhadharo pachavo. Kutaura chokwadi, zviri nyore kudaro. Unofanira kuziva chaiyo Mari dzimba uye, akaratidza kuva chikamu, chinoda pamahombekombe somunhu pasi muripo. Somuenzaniso, kana mufurati kana imba aikosha mamiriyoni 3 rubles, uye kubhengi zvinoda kuti zvinenge 20%, akapiwa 600 000 rubles. Pakadaro, kana mhuri anoronga kushandisa nhovo. Capital sezvo kwokutanga mubhadharo pamusoro chikwereti, ipapo zvinoita sezvine musoro kuti kwaari chero zvazvingava zvakafanira kubhadhara mari yokuwedzera.

Kana mhuri unotara kungobva gwaro rubatsiro, zvinokwanisika kuti ngaaverenge mutengo pokugara, izvo iye anogona vanoti. The yemaitiro iri nyore: kukura nhovo. Nokutendeka X 100 / indekisi pasi muripo.

kurumbidza

Zvakakosha kunzwisisa kuti maternity guru - wechinhu wehurumende rutsigiro, saka mari kuti anopiwa panguva imwecheteyo, inogona kushandiswa chete nokuda kwezvinangwa chaizvo. Hazvibviri kubuda uye vanopedza, pose uchida. Kana kuronga kushandisa nhovo. Capital sezvo kwokutanga mubhadharo pamusoro chikwereti, kana muchimiro muripo abhadhare wechikoro, zvakakodzera kuzivisa mudyandigere Fund kuti mwedzi mitanhatu asati kutengeserana. Hurumende bhajeti uye kubhadhara dzakarongwa kamwe mwedzi mitanhatu ose.

In nyaya maternity guru rave kushandiswa kare, zvino sezvo ari pasi mubhadharo vakasara kushandiswa hakushandi. Chinhu bedzi anogona kuitwa kuti kuderedza chikwereti pamusoro hunotovapo mogeji chibvumirano.

mhedziso

Usati kutaura kubhangi, unofanira kusarudza kuti ndezvipi purogiramu kuvakwa randaifarira. Kunyange zvazvo kuita pakuvaka pangozi pamwe ndiyo kakawanda yakakwirira, nepo mhuri anogona kuhwina vakawanda metres, uyewo kuronga chikwereti pa mutengo nani panyaya pamwedzi kubhadhara.