Mitemo yekubhadhara chikwereti: mabhuku, chikamu chekutanga, chikwereti chezvibereko, mazwi

Vanhu vazhinji munguva yedu vane hanya nemamiriro ezvinhu ekubhadhara chikwereti. Munhu wose anoda imba, asi havasi vose vanozviwana pakarepo. Nokuda kwekushayikwa kwemari yakakosha yemari uye mari yakakwirira yeaida "square meters". Zvakanaka, vazhinji vanoshanyira kune chikwereti, asi pamusoro pemamiriro ayo anopiwa, unogona kutaura zvakadzama.

General information

Pakutanga, zvakakosha kucherechedza nekucherechedza kuti rudzi urwu rwechikwereti runopesana nechikwereti chinowanikwa. Nhamba yekutanga yechirungu ndiyo nguva yemazuva. Imba inotorwa kune makore 5-50. Asi kazhinji inotorwa pa15-25 (pavhareji). Icho chiriwo zvakawanda chaizvo. Chikwereti chinopiwa chete nekuda kwekuda kwekugara. Izvi zvinoreva kuti kutenga imba, imba kana basa rokuvaka. Uye chechitatu chinoratidzirwa chiri muhomwe. Mune basa rayo ndiyo nzvimbo iri kutengwa. Bhengi inofanira kuva nezvichakwanisa kutengesa uye kubatsire, kana mutengi asingagoni kubhadhara chikwereti.

Idzi ndidzo mamiriro ezvinhu ekubhadhara chikwereti. Kana iwe uchitenda nhamba idzi, ndeyeiye iyo yepamusoro yepamusoro yepamusoro inowanikwa. Asi haisi kunyatsooneka, sezvo munhu wavo anopa nguva yakareba. Mukuwedzera, vamwe vanongova vasina imwe sarudzo. Zvisinei, mumuenzaniso wakajeka, kunzwisisa nyaya iyi zviri nyore.

Sberbank services

Munharaunda iyi yemari, zvikwereti zvinotorwa kakawanda. Uye chikwereti hachisi chimwe chinhu, izvo hazvishamisi, nokuti Sberbank ndiyo yakanakisisa, yakavimbika uye inobudirira munyika. Uye inopa mazano akanaka.

Ndezvipi zviripo zvekutenga chikwereti muSberbank? Inobatsira zvikuru. Asi zvinodiwa kune vatengi zvakakodzera.

Ngatitii munhu akatarisa paimba yake kune ruble mamiriyoni mashanu. Haana mari yakakwana, nokuti akava nehanya nekutora chikwereti, anoti, kwemakore mashanu pamutengo we 11.5%. Achada kupa mupiro wemabhiriyoni 1 000 000. Ichi chikamu makumi maviri kubva muzana. Zvose bhangi, munyaya, inotora mamiriyoni mana. Achagamuchirwa nechikumbiro, asi kana ari mubhadharo muBhengi reMari uye mumwedzi ari kubhadharwa 115 000 rubles sehomwe. Mwedzi woga woga achapa vanenge 88 000 rubles. Uye pakupedzisira, mari yekubhadhara ichave inenge 1 280 000 rubles. Inobatsira kana kwete - izvi zvatove zvasarudzwa nemunhu wese.

Kubhadhara mari kwenguva refu

Uye kana iwe uchifunga nezvimwe mamiriro ezvinhu? Izvo zvikwereti zvakafanana nekubhadharwa, asi chikwereti chichagoverwa kwete che 5, asi kwemakore makumi matatu - chii chichaitika munyaya ino? Hapana chakanaka, kubva pamwedzi wega wega nehomwe yemakumi makumi matanhatu emabhururi. Munhu anozofanira kupa makumi makumi mana rubles. Sekubhadhara, uye semugumisiro, mari yekubhadhara mari ichasvika 10,900,000 rubles, tichifunga nezvekuti munhu "anotora" hurumende ye2,5 zvishoma. Iyi ndiyo mitemo yekubhadhara chikwereti muBusiness Savings. Iyi haisi yechokwadi - iwe unogona kutarisa zvinhu zvose, nokuti nokuda kweizvi, pane ikozvino inowanikwa kuInternet calculators.

Chii chaunoda kubva kune mutengi?

Nokudaro, pamusoro pezvishoma zvakarondedzerwa mazwi ekubhadhara chikwereti muBhengi reMari. Iye zvino unogona kutsvaga muhurukuro uye utaure pamusoro pekuti chinokwereti chechikwere chinodikanwa kubva kune avo vanogona kukwanisa kupa vhidhiyo kupa "zvakanaka" kune chikwereti.

Yokutanga izera. Imba inogona kubudiswa kubva kumakore makumi maviri nemaviri. Nguva yakareba ishoma, sekutonga, kusvika kune makore makumi matanhatu, asi izvi zvakawanda panguva yekubhadhara chikwereti kunofanira kuva munhu. Ichokwadi, Sberbank yakakurumbira inozivikanwa nehuwandu hwakawedzerwa. Vane makore makumi masere nemakore makumi manomwe.

Chikonzero chakakosha ndehurefu hwebasa. Nenzira yakawanda, inofanira kunge iri gore. Uye mwedzi mitanhatu - pamabasa ekupedzisira. Zvinokurudzirwa kuti "kusvetuka" kubva kune imwe basa kune imwe - bhangi haisi kuvimba nevanhu vakadaro.

Asi iyo inonyanya kukosha yemari yekubhadhara chikwereti iri muhuwandu hwekuwana mari. Munhu anofanira kuwana zvakakwana. Nokuti mwedzi woga woga iye achasungirwa kupa bhangi 40-50% yemari yake. Nenzira, pane zvinokosha zvebhangi nguva dzose vanhu ivavo vane mari inobatsira (somuenzaniso, zvikamu). Kana muchengeti ane zvikwereti mugoridhe, chekuchengetedza uye ramangwana (zvisarudzo), unoda kutsigira izvi. Iyi ndiyo mitemo yekubhadhara chikwereti.

Ndezvipi zvimwe zvinofungidzirwa?

Izvo zviri pamusoro apa haisi mamiriro ose ehurumende yekubhadhara chikwereti. Imwe bhengi inogona kutora mari yekuwana wehama yechipiri yeklayiti (mune imwe nguva iyo iri guarantors) nezvimwe zvinotsigirwa zvitubu zvebatsiro. Semuenzaniso, kubva pakubhadharwa kwemaimba.

Mumwe munhu haafaniri kuva nezvikwereti zvakakosha. Nhoroondo yakanaka yekwereti ndeye mukana wakananga wokuwana chikwereti.

Nenzira, uyo akwereta anenge achiri kukosha. Vatengesi vaviri (murume nomudzimai) vanopiwa chikwereti kakawanda kupfuura vasina kuroorwa. Nokuti apo vanhu vaviri vane vouketi yekubhadhara kamwechete, hamugone kunetseka pamusoro pebasa ravo. Mukuwedzera, mari yacho yakawanda zvikuru. Uye vanokwereta nevana (vaviri kana kupfuura) vane kodzero yekushandisa mutero wemubereki - kubhadhara mupiro wavo wekutanga kana chikamu chechikwereti. Izvi zvinotarisirwa kutora chikwereti chikwereti. Mamwe mamiriro ezvinhu akangofanana nevatengi vemamwe mapoka.

Mazuva, kufarira nemipiro

Mashoko ekubhadhara chikwereti ari nyore, asi akawanda. Sezvambotaurwa kare, zvinokwanisika kubhadhara chikwereti chemhando iyi kwenguva yakasiyana. Asi bhenekari pachayo inosarudza iyo. Izvo zvinoenderana nezera remutengi, mari yake uye mari yekwereti. Zviri pachena kuti kana munhu achida kukwereta 2,000,000 rubles, iye haazopiwi gore. Kana, zvechokwadi, mubhadharo wake hausi 250 000 rubles pamwedzi. Asi vanhu vane zvikwereti zvakadaro zvakadai mumamiriyoni maviri havatore, kuitira kuti kunyange kunyange muenzaniso haugoni kuonekwa.

Nhamba yemipiro yakasiyanawo. Somuenzaniso, Sberbank anozivikanwa anopa vatori vechikamu cheprojekti "Mhuri Yechidiki" kupa 10% chete yezvinodhura zvehumba. Uye kana uine mwana, huwandu hwayo huchaderedzwa kusvika 5%. Uyewo ruzivo runoratidzira mamiriro akanaka ekubhadhara chikwereti kuMoscow.

Inhara yekutambira mumabhangi inenge yakafanana. Inopesana neyero kubva pa12 kusvika ku14%.

Documents

Zvakanaka, saka, chii chinopa mvumo yekubhadhara chikwereti, inonyatsojeka. Uye ikozvino pamusoro pemabhuku akadikanwa.

Kuti munhu atore chikwereti kubva kubhangi, iye anofanira kutora purogiramu yose yemagwaro. Chinhu chinonyanya kukosha ndeyekushandira mari yekubhadhara mari uye yemibvunzo. Uyewo unoda kopi yepasipoti, inshuwariti yechikoro, TIN, tikiti yehondo (yevarume), chidziro chekudzidzisa, kugumisa / kurambana, kuberekwa kwevana, nebhuku rebasa. Inowanikwawo nekopipipied version yakasimbiswa nemushandi. Uye zvechokwadi, magwaro iwayo ari uchapupu hwekuwana mari.

Sekuwedzera, iwe ungada chikwangwani chekunyoresa (pokugara mvumo), kopi yemapasipoti yevose vanogara pamwe chete nomunhu anogona kukwereta, uyewo mapepa anotsigira kuti munhu ane zvimwe zvinhu zvinokosha. Zvisinei, kana iwe uchida chimwe chinhu kunze kweiyo yakagadzirirwa yemagwaro, munhu achaziviswa. Chinhu chakakosha ndechokuti usakanganwa mavambo.

Anopa mauto

Vanofanirwa kucherechedza zvakasiyana. Hondo yekutora chikwereti chekubhadhara mari inopa zvimwe, zvinowedzera mari. Kutanga, vose vashandi vari pasi pegvumirano vanofanira kusayina kuNIS. Ichi ndicho chikwata chekutenga chikwereti. Gore roga roga, imwe mari yakazoendeswa kunhoroondo yeuto, iyo yakafanana kune vose. Muna 2015, somuenzaniso, yaiva 245,880 rubles pagore. Pashure pemakore matatu ekubatanidzwa muhurongwa, murume weuto anogona kuisa mushumo kana achida kuwana rugwaro ruchaita kuti ave nekodzero yokuwana chikwereti chinotarisirwa kumusha mubhangi. Pane pfuma ipi - yakatove yakatemwa gare gare.

Zvadaro mauto anotendeukira kubhandi rekubhadhara mari inobatana neNIS, inovhura nhoroondo ipapo, iyo yose yakawanikwa mari inotamiswa. Vanobhadhara yekutanga kutengesa mari. Zvadaro zvinotevera kuguma kwesungano yechikwereti. Chinonyanya kufadza ndechokuti mari yekubhadhara chikwereti inobhadharwa neFGUU "Rosvoenipoteka" kubva ku federal budget. Uye mari iyo inobhadharwa pamwedzi inoenzaniswa ne122 yemugove kubva kuNIS. Ichokwadi, pane imwe nuance - panguva yekubhadharwa, mauto anofanira kunge ane makore makumi mashanu.

Nyaya yebhadharo inoratidzika nyore. Asi chaizvoizvo, ine zvinhu zvakawanda zvinokosha zvakasiyana. Chinhu chikuru ndechokuti mamiriro ekubhadhara mari (kuMoscow nemamwe maguta eRussia). Uye dzinofanirwa kuverengwa, kana pane chido chokubhadhara chikwereti. Tinofanira kuedza kuita zvose kuti tizviwane pane zvinyorwa zvakanaka.