Mhando mogeji anomukweretesa. mogeji anomukweretesa chirongwa

Mortgage kare kwazvo muupenyu hwedu, uye hapana chakavanzika. Mhuri dzakawanda, kunyanya vechiduku, vava kuita basa iri, izvo zvinoita kuti kutenga zvivako panguva zvakanaka mashoko. The chikuru mukana chikwereti ndechokuti mari mufurati pamwechete kufarirwa chikwereti rakakamurwa kuva mhando makore 15-20, izvo zvinoita kuti kuita inokwanisika pamwedzi mari.

Nhasi mu Russia inoratidza rakasiyana-siyana chikwereti achiposa izvo zvisingapindirani ezvinhu zvavo. Tinofanira kutanga kufunga pfungwa "chikwereti": zvinorevei uye apo shoko iri rakasvika kuna kwatiri?

Chii chinonzi mogeji?

Izvi izwi anodzokera kuna VI remakore BC. e. Panguva ino muGreece pfungwa hypotheca, kureva chikwereti kuita kuti chikwereti chokuita nenyika uridzi. In mutemo weRoma, mumwe chikwereti uri rubatso Real Estate.

In nyika yedu iri izwi wokutanga akazviratidza mukupera XIX remakore uye yakatorwa kubva Europe. Mortgage panguva kwakanga kwakafanana shoko "mogeji". Munguva Soviet, mutemo pamusoro chikwereti achiposa haana, sezvo pasina chikonzero.

Muna 1998, Mutungamiri Russian Federation akanga yakasainwa uye akapinda nechisimba Mutemo "On Mortgage", unova wokutanga zvakagadzirirwa waidzora mabasa rubatso. Pari okuti "chikwereti" zvinoreva chibvumirano anondibatsira pfuma.

Zvinhu uye vanotongwa chikwereti

Sezvambotaurwa, chikwereti anomukweretesa zvinoreva kuti watengwa pfuma achapiwa ambofanobata panguva nokuripira. Mortgage - chibvumirano iyo mapato ndivo chinhu uye nyaya mumatare ukama. Pazasi zvinokwanisika zvinhu mogeji anomukweretesa:

• Apartments, dzimba uye mudzimba dzomukati;
• nyika isina muridzi neHurumende uye hairevi matunhu neminisiparati pfuma, uyewo kupfuura shoma zvinobvumidzwa nzvimbo;
• mumagaraji anamapako nezvimwe zvivako uye muzvivako aiendeswa nevatengi kushandiswa;
• emakambani, izvo dzinoshandiswa zvebhizimisi;
• Marine midziyo.

Basa rinokosha pakuwana mortgages anoridza abhadhara. Izvi zvinogona kuva bhanga kana zvimwe repamutemo, iyo kuchengeta chikwereti nokuripira mashoko. Mortgage anomukweretesa vanhu rinoitwa chete pashure kuita kwokutanga mubhadharo.

Kuwedzera nyaya yesungano chikwereti vaigona kuita uye investor uyo anotenga kuchengetedzeka kuti richengetwe zvikwereti pamusoro chikwereti.

mogeji anomukweretesa mudziyo

Nokuti Implementation pakati chikwereti chikwereti kusunungurwa chaiwo kuchengetedzeka dzinonzi rubatso. Sale pamusoro kuchengetedzeka izvi pamahombekombe chinopa mari inodiwa kuti issuance yemutoo wezvikwereti mogeji. Iyi yakavimbika zvikuru chimiro kuchengetedzeka, unounza zvakasimba pauwandu hweavo. Pepa rinotaura kuti rubatso pfuma, iyo inoreva nayo.

Mortgage anomukweretesa yokuRussia iri kuramba dzakakurumbira, uye vanhu vakanga angatsunga kutora danho iri, tinofanira zvakajeka kuziva kuti chikwereti hurongwa. The rubatso bepa inofanira iine fanira kopani bhuku, iyo inoratidza mari uye musi yepa mogeji mubereko. Vanhu rwaanotipa zvikwereti orudzi urwu, pakutanga mari mubereko uye ipapo wechikoro.

Chokwadi kuti chikwereti chinobviswa nokuda kwenguva, hwezvekukurukurirana zvikuru kuripwa chikwereti. Zvisinei, kana chikwereti pamusoro chikwereti zvizere kubhadharwa, zvivako ndichaenda zvarinoroora ane mogeji kubhengi. Zvinonzi Saka kushanda mashandiro kuti mogeji anomukweretesa.

mamiriro ruyamuro

Kubva 2009 mabasa ehurumende chikwereti chirongwa zvainanga vanhu vasina mukana kuvandudza hwavo mararamiro chokuita mari diki. Zvisinei, chete muna 2015, purogiramu akava akakurumbira. rubles About mabhiriyoni 250 dzave dzinounzwa kuti kuvandudzika zvipenyu mamiriro vemunyika.

chikwereti anomukweretesa mamiriro rutsigiro kuri pakuti kuripwa mumwe chikamu hurumende chikwereti chinoparira. Zvisinei, kutora chikwereti purogiramu yakadaro hakusi nyore, sezvo asina mabhanga kubvumirana akadai. Shandisa chirongwa kwakadaro kunobvira chete nemabhengi kupfuura nyika.

Musimboti wehurumende iri chibvumirano pakati kubhengi uye hurumende. Bank lowers kwayo chimbadzo kune 11%, zvisinei kuti chii pakutanga. The musiyano pakati pokuiswa uye yokupedzisira mwero (11%) inobhadhara mamiriro. Kuva nhengo chirongwa ichi, kwete hazvo kureva evanhu muchikwata vemo. Munhu anogona kutora chikwereti kuti ezvinhu akadaro.

Marudzi zvikwereti mogeji

Pari, nokuti kuti uwandu zvikwereti zvakadaro kuwedzera, pane zvakawanda zvakasiyana marudzi mortgages. Ainyanya kuita achivaratidza zvikwereti rokutengesa mabhanga, chikuru chinangwa chiri kuita purofiti.

mhando dzose zvisingapindirani mashoko achiposa hunhu chionekeso yavo. Panguva iyoyo, zvikwereti chikwereti kune vanhu inogona rakakamurwa muzvikamu zviviri:

• pakuunganidza chinonyanya Real Estate pamusika;
• kutenga ari yechipiri Real Estate musika.

Kusiyana kwemarudzi uye mhando mortgages dzichakurukurwa pazasi.

The mufurati ari mutsva musha chikwereti

Izvi mhando kunonyanya nevakawanda panguva iyoyo. Zvisinei, pasinei ose pachena zvazvakanakira (furati itsva, hapana haana kurarama uyu), uye pane vakawanda payakaipira. Kakawanda pane mamiriro ezvinhu apo imba hausi rendi iri nguva kana nguva refu hakuna vakanyorwa ezvinhu muviri zvikuru.

Uyewo mumwe mukuru payakaipira zvivakwa chinoshanda pfuma kunyoresa. Uyezve, zvakaoma kuwana chikwereti kutenga zvivako zvitsva, sezvo asina mabhanga vari kuroorana. Zvisinei, kana, bhengi akatambira chikumbiro, nechimwe anoonekwa yoga. A yakawanda zvinoita sei chisarudzo chokupedzisira, pakati pavo, uye yokuzvifungidzira panze ndiani yokuvaka, investor, ndedzipi deadlines imba uye zvichingodaro. D. Apartments muzvivako zvitsva zvinogona kutengwa zvakarurama inexpensively, uye pfungwa dzakanaka ezvinhu akadaro anova mogeji. Young mhuri pakusarudza mufurati ndiyo inenge nguva dzose anoda musha mutsva.

Apartment pamusoro yechipiri Real Estate musika

Zvinoumba chikwereti anomukweretesa ichi dzemarudzi zvinosanganisira nekaupenyu nokukurumidza Clearance uye hama nyore rokugadzirira. In nyaya iyi inofanira kugadziriswa mabhanga akawanda, kunyange chiitiko kukundikana. Zvechokwadi, chikonzero nei kukundikana kwakaitika imwe bhengi mumwe hakuzoitiki zvakakwana kwazvo.

Sezvambotaurwa, zvakadai chikwereti nyore kuwana pane muimba itsva, kunyanya nokuti kuti pane zvishoma chikonzero kuramba. Pakati pavo:

• mutengesi akaita alterations kuti furati uye havana kunyoresa chokwadi ichi;
• pamutemo utsanana weimba, zvimwe mumwe munhu akanga achigara zvisingafadzi. nyaya ipapo.

Social mhando mortgages

Izvi rworudzi chikwereti chikwereti rinotarisirwa nevarombo mumagariro zvikamu vemo, uyewo vambondimirira, vasiri kukwanisa kutenga nzvimbo chaiye ezvinhu. Kune mhando mbiri evanhu mogeji:

• yakagadziridzwa vambondimirira apo pakutanga muripo rakapiwa guta riri muchimiro kwaanoita;
• chikwereti unozvipiwa nomutengo re- mari; mwedzi mitanhatu gare gare anenge ari chikwereti anogona kubhadhara chikwereti pasina mubereko.

Mune ramangwana, mukana vanotenga Real Estate pamusoro evanhu zvirongwa kubva Developers pachavo panguva pamusika mitengo. Asi vambondimirira kuchavawo kukwanisa kushandisa mari rendi dzinopiwa. Ukaramba kumira mumutsetse, chikuru uwandu map. Uyewo, iyo vambondimirira anogona kutenga nzvimbo, iyo yakavakwa kwete chete kune guta.

View chikwereti vechidiki mhuri

The dambudziko kuunganidza pfuma zvitsva murume kunonyanya chakasimba. Banks havadi pangozi, uye kufarira yakakwirira chaizvo, sezvo remangwana vaduku nenyanzvi ari nezvimwewo. Munguva ichangopfuura, Zvisinei, mamwe mabhanga vari kuenda kunosangana vaduku nokusika zvirongwa zvitsva.

Zvikurukuru, kwakadai chikwereti anomukweretesa chirongwa zvainanga achidzikisa pasi muripo, uye kufadza chikwereti izwi iri issuance. Kana mumwe vakaroorana vasina makore 30, uye mhuri ine mwana, mupiro kutanga anogona kwakafanana 10%. Kana wechiduku Nyanzvi atorongera pamusoro vaizotibata basa, kwokutanga mubhadharo anova zvachose 5%, uye chikwereti iri rakapa kwemakore 25-30 kwemakore.

Zvechokwadi, muna ezvinhu ano, mumwe zvikuru chaizvoizvo nzira kumba kutenga chinhu mogeji. Young mhuri kutsvaka dzakasiyana kuvandudza chikwereti mamiriro. The chikuru dambudziko iri kuratidza kukomba kubhengi. Kana izvi kubudirira, kubhangi hauzokundikani.

Chirongwa "Building Together"

Mhando chikwereti anomukweretesa iri dzaisiyana zvikuru, uye mumwe nomumwe wavo vari zvimwe zvirongwa. Musimboti wacho "Building Together" ari yakavamba refu, iyo inofanira kubhadharwa tichiregeredza vemo.

The basa womunhu, ndiani kutenga dzimba, - kuponesa kumativi 40-50% of mutengo, uye navamwe Co-op anowedzera. Kamwe kutenga pfuma, zvinova zvinhu munhu kuti, asi mari yechibatiso. Chikamu kuti akapa pamwe, kuti inobhadharwa vaifanira kwemakore 20. Ipapo Lien hwaputswa, uye munhu anova munhu dzakazara muridzi.

The "Military Mortgage"

Mapurogiramu All chikwereti zvainanga kuvandudza Pakuurayiwa chikwereti, uye ichi ndicho hapana anosara. Izvi accumulative maitiro wokupa dzimba servicemen.

Zvinoumba chikwereti anomukweretesa chirongwa ichi ndechokuti muchiuto, iyo anogumisa chibvumirano wokutanga, ane kodzero pamusoro mari imwe mhando. At avhareji wepagore mari musoja anogamuchira vanenge zviuru 250 rubles. mari iyi anogona kushandisa yapfuura chesungano akwegura uye nokusaina itsva. Mari kuti ave aunganidza pamusoro akawanda, paanouya kwokutanga mubhadharo.

Zvakasara chikwereti inobhadharwa neHurumende, apo uto nokuda chibvumirano zvechiuto. Mangoti anoguma ave musoja, hurumende hunoguma mari, uye akasara chikamu chikwereti anofanira ngaitorwe pachako.

The chirongwa "Affordable uye pakanaka Housing - kuti vagari Russian"

Chinangwa Chirongwa ichi ndiko kuwedzera Kuwanikwa mortgages kuti zvizvarwa Russian. Munhu wose anoziva kuti vanhu vakawanda, rinenge chete mukana kutenga redzimba riri mogeji. mhuri Young havasi kurwadziwa. Ivo kazhinji vanoramba Mortgage chikwereti.

Vechikamu chacho pamwe ichi pasina dambudziko. Mukuwedzera, kuderedza chikamu mogeji. Chirongwa ichi yakazokudziridzwa mukati yechinangwa evanhu mhando mogeji anomukweretesa. Its musiyano mukuru kubva bhizimisi - inokosha (zvaunoda) pa mativi mita. Mugadziriro yechinangwa mumagariro chikwereti kubhengi anobvuma inishuwarenzi mukwereti uye dzinogarwa chaizvo nzvimbo, uyewo kuramba mumwe mwero kusvikira pakuguma chikwereti.

Kukura chikwereti anomukweretesa zvinogoneka kuonga mhando yakadaro uye zvirongwa kuti chinangwa kuvandudza mararamiro kuti vaduku mhuri uye vanotambudzika mumagariro kwevanhu.

Zvakanakira nekuipira mogeji

Mhando zvikwereti chikwereti, zvisinei mumwe vane zvayakanakira dzavo nezvayakaipira. Izvi ndezvechokwadi kwete chete pamusoro chikwereti, asi kuremekedza chero kwezvikwereti. Saka, zvakanaka:

• nekuti vazhinji chikwereti ndiyo chete mukana kutenga dzimba dzavo;
• chikwereti iri rakapa kwenguva refu, uye vanhu vane pfungwa yokubhadhara chiduku;
• Unogona kunyoresa mukamuri hama dzavo, uyewo kuzvigadzirira kuti kufarira kwako, kazhinji, kupa mari yawo zvinogona pokugara.

Zvazvakaipira ndiwo:

• pamutemo furati, abviswe munhu chikwereti, kubhengi ndezvevanhu, uye munhu haagoni kuzoitengesa kana kupa;
• munguva chikwereti munhu akabhadharira mari 2 kana kunyange 3 idzi Apartments, nokuti izwi iri guru;
• Kana munhu akamira kubhadhara, bhengi anotora furati, akaisa kutengeswa kufukidza vavo mari, mari vasara achapiwa refunded.

Vanhu Most pane imwe nguva kana mumwe hwavo kushamisika pamusoro kana kutora mufurati nechikwereti. Mortgage anomukweretesa mu Russia ine zvainovhiringidzawo zhinji, asi vachiri munyika nhasi ndiyo imwe mashoma mikana kutenga yavo mhenyu nzvimbo. Chinhu chikuru - yakatsiga basa kuti chichabatsira kuti vavimbe kubhangi, uyewo kuvandudza mamiriro enyika chikwereti. Hurumende achangobva anosika zvakawanda zvirongwa zvakagadzirirwa kuti zviite mari uye kubatsira vanhu vari kutenga musha.