Mortgage, chaihwo ( "VTB 24"). Mortgage "VTB 24": mamiriro ezvinhu, pakutanga mubhadharo

pamusoro vokuRussia kurarama mitemo nhasi anosanganisira pakuva musha wako - furati imba kana. Zvechokwadi, kuti vatenge mufurati nhasi pasina kushandisa zvirongwa chikwereti hakusi nyore. Kwete chete nokuti yakawanda, uyewo nokuti kuti mitengo nekuda Apartments vari ndichifumira - kwete kuramba, vakaneta rokuponesa. Uye nekuti zvikwereti pekugara - chimwe chezvinhu guru zvikamu zviri rwezvemabhengi pamusika, uye munhu mari nemasangano asi nehasha kukwikwidzana mumwe nokuda vatengi. Izvozvo zvinogona kupa yakagozha anokwereta imwe mabhanga kupfuura munyika? Aripiko nzvimbo munhu anosarudza kuti uzive zvakaita "Mortgage VTB 24", mazwi ayo dzimwe nguva akasiyana yekudyidzana kubva paavhareji, kana mumwe anomukweretesa sangano?

vakawanda mashoko uye mamiriro

Russian mubhengi "VTB 24" waanodzikisira zvichidhura mukwereti pamusoro mortgages. Zvikurukuru, mune dzimwe mapurogiramu kuti chikwereti sangano rine akasununguka pfuma iwe kuita. Kufanana nevamwe mabhanga dzakawanda, mari dziri pagore negore urongwa, sevanonyanya hwomutambarakede pane ari kusiyaniswa chimiro. Muzviitiko zvose, zviri akabvumira mangwanani (kana zvakazara kana zvishomanana) chemhosva ane chikwereti chikwereti - zvakajairika tsika "VTB 24".

Mortgage, wongororo nezvokuziva kuti mamwe mabhanga havasi kuratidza kukwazisa "Stakhanovite" gwara chikwereti mutsividzo kubudikidza anokwereta, muchiitiko ichi zvachose parutivi yeGmail.END_STRONG zvinofarirwa. The Bank akagadzirira kufunga zvakasiyana-siyana uchapupu mari - kwete chete munhu mari mutero chitupa. Variants chikwereti kunyoresa pasina guarantors uye nokushandisa kunzi zvenguva fomu rubatso. In akawanda zvirongwa kubhengi anogona kupa shanduka (kana mubatanidzwa) anomukweretesa zvazvingava - yaibatsira chisarudzo zvinogona zvakanaka kubva vatengi vari vanofarira mortgages, zvechokwadi. "VTB 24" - mubhengi, riri kuedza kuchengeta kufara pamusoro anokwereta iri zvakatipoteredza.

uto Mortgage

Bank "VTB 24" anogovera kushandiswa purogiramu pekugara chikwereti vagari kuwana basa rechiuto. The chikuru chinoratidza kwakadai chikwereti - kamari (10% of mutengo pokugara) kwokutanga mubhadharo (kurambidzwa pakusarudzwa zvinodiwa pfuma haamo). Paid Realtors mabasa chete, appraiser yakatengwa (kana zvakakodzera) inishuwarenzi. Zvinokosha kuziva kuti zvinenge zviri chirongwa anogona servicemen yakaderera uye pakati kuhondo mukuru, aine makore 22 (kunyange pane kukamurwa - haugoni kuita mumwe musha chikwereti, kana anokwereta makore anopfuura 45).

Mhando Real Estate kuti unogona kutenga panguva uto chikwereti mu "VTB 24" - muimba nyika kana sandara (zvose - zvose pamusika rwechipiri uye chidimbu zvivako zvitsva). Kushanda kuti chikwereti anoonekwa somunhu mutemo, kusvikira vhiki mbiri, asi sarudzo richiri kushanda mazuva 122. Ndicho chikwereti nemauto - "VTB 24", mashoko ayo kutevedzera zvizere chinangwa chirongwa ichi: kubhangi anogara akagadzirira pamwe nevanhu rimwe vanoremekedzwa zvikuru ounyanzvi hwokugadzira.

Mortgage uye maternity guru

Somunhu pasi kubhadhara pamusoro chikwereti vagari Russian anogona kushandisa vanhu maternity guru. Bank "VTB 24" ari kuita rudzi zvikwereti kubva 2011. Kuti ape zvikwereti kwakadaro kunogona kuva kwete chete pane yechipiri kwedzimba, asiwo pasi kuvakwa (nenguva pakudyidzana zvibvumirano , kana co-nemari kuvakwa kwedzimba cooperatives). Anokosha okuti chepurogiramu - kukura mubereki guru zvinofanira dzinenge 20% of mutengo pokugara, mitemo yakadaro unosimbiswa, "VTB 24" kubhengi. Mortgages iyi mhando wakabudiswa kuti kwemakore 30.

State rutsigiro

Mune zvimwe zviitiko, anokwereta "VTB 24" anogona kushandisa kuti kunyoresa mortgages nokutsigira hurumende (sechikamu mubereko iri subsidized kubva hurumende bhajeti). chirongwa kubhengi ichi kunoita pamwero nokururamisira pasi (anenge 11%) mu vomureza kunonyanyisa rokuti chikwereti (Makore 30). Zvisinei, chokupedzisira mwero kunoenderana nhamba magwaro inopiwa mukwereti, uyewo pamusoro mhando Zvivako: pokugara pasi kuvakwa kuchaita mari shoma pfungwa anodhura pane zvitsva kana "yechipiri." chirongwa ichi kwakakurumbira pamwe anokwereta vanoda kuziva nuances kuti chikwereti anomukweretesa uye verenga pamusoro pezviri chikwereti chaicho, zvechokwadi. "VTB 24" inopa vatengi vanofarira anodiwa mashoko.

Zvinodiwa Kuti anokwereta

Kazhinji, munhu anokwereta uchitsvaka Kunyoresa chikwereti mu "VTB 24", riri pakati mabhanga kupfuura munyika, vanofanira kusangana zvinoverengeka zvinodiwa. Chokutanga, zvikwereti pekugara vari rakapa chete vagari Russia, uyo aiva nemakore 21 (vakadzi) kana makore 23 (nokuti vanhu). The zera muganhu uko anokwereta anogona dzinobvumira ane chikwereti - makore 65 panguva pakunamata. Zvikanzi vane inyoreswe (kana kwekanguva pamutemo) ari administrative Unit, apo hofisi kubhangi, kugamuchira magwaro. Its Minimum kureba basa achava 1 gore, uye mari akasimbisa FAQ 2-gomba kana kushandiswa muchimiro kubhengi.

Zvakakosha kuti chikwereti nhoroondo yaiva yakanaka. anokwereta inishuwarenzi - a chinodiwa chikwereti (zvikasadaro, kuti chimbadzo achawanda pakawanda). For anokwereta akawanda anodiwa kuti chipa chikwereti "VTB 24", sezvamakaropafadzwa mupiro kekutanga anogona dzimwe nguva ipfupi kusvika 10%, anokwanisa kufamba akananga vatengi akadaro.

The huru Chirongwa

Pasinei nokuti zviri chaizvo chikwereti mapurogiramu "VTB 24" bhengi anogona, zvichienderana pamusika mamiriro kushandura ari chikwereti sangano rine zvakawanda mifananidzo siyana kupa zvikwereti dzimba. Chekutanga, ndicho kutenga dzimba pamusoro musika dzisiri -umambo inonyanya kufarirwa chisarudzo. The zvazvingava pano kunotanga kubva 11,85% chete annum, imwe mupiro dzinoverengeka Muzviitiko kutanga zvingaderedzwa kusvika 10% kubva mari kutenga dzimba. The kunonyanyisa nguva kuti zvakabuda mortgages - makore 50. The inonyanya kufarirwa chimiro chechipiri chikwereti - kutenga musha kuvaka chitsva. Conditions zvakafanana kuti "yechipiri pokugara" purogiramu, asi chimbadzo iri zvikuru novimba kukosha yakatengwa mufurati.

Pane kubhengi "VTB 24" vakapiswa chigadzirwa, dzinokodzera vanhu vanokoshesa nguva yavo, - ". Victory pamusoro chokungoitawo" Kushandisa nayo, chikwereti inogona wakabudiswa magwaro maviri (asi kutanga muripo kwakakwirira zvikuru kupfuura pane dzimwe zvirongwa - kubva 35%). "VTB 24" anogona kupa non-zvakanangwa chikwereti chikwereti - yakasimbiswa pekugara, izvo kare muridzi anokwereta. Annual mubereko pachiri - vanenge 13.8%, chikwereti izwi - hapana makore anopfuura 20, mari - 70% of mutengo Real Estate sezvo rubatso. Pane chaiwo, kusiyana wokusarudza mamwe mabhanga, asi rinowanikwa mu "VTB 24" zvombo mortgages - "Family Young". About wake hwakadzama nyaya pazasi. Bank "VTB 24" anogona kupa kuti refinance huripo chikwereti zvikwereti dzimwe masangano (80% pfuma ukoshi) pasi nani. kufarira rates nemamwe mamiriro ezvinhu aisimudzira. Vatengi vakawanda vanosarudza bhengi ichi, nokuti chokwadi kuti kune refinanced mortgages. Wongororo - "VTB 24", maererano navo, kazhinji aiziva somumwe zvikuru kusununguka anomukweretesa masangano kushanda mirayiridzo iyi.

Chii kunotsvaka

Banks, chikwereti zvikwereti zviri akafanana ezvinhu, musika wokuRussia riri guru kwazvo. "VTB 24" rine zvimwe specificity, izvo chinosiyanisa kubva vakwikwidzi zhinji. Chekutanga, hazvisi chete zvinyorwa mari yacho anokwereta, asiwo mhuri yake: zvinofungidzirwa, saka mhuri kubhadhara. Chechipiri, ndiko chikwereti kusvika makore 50 - kwete Russian pamahombekombe ose kuti kubvumirana ezvinhu akadaro. Chechitatu, kana akakwereta achida kubhadhara chikwereti mberi purogiramu, hapana fines, mari uye zvimwe mhosva kubhengi "VTB 24" iri nyaya haripi.

Kazhinji, anokwereta anotakura chairo duku mutengo kuti zvirango chokuita chikwereti. Zvinokoshawo chaizvo kuti pamahombekombe ane rakakura paIndaneti uye aripo mune zvinenge zvose kumatunhu Russia. Nokuda kwaizvozvi Yakaumbwa rudzi ruzivo nechimwe pane ari chikwereti, chaiye. "VTB 24" - mumwe nzvimbo nenzvimbo mashoko kuitika pamusoro musika ichi.

mhuri duku

Pane muboka chaiye anokwereta, izvo zvinokosha chaizvo, uye kuti zvimwe zviri "VTB 24" mogeji. Young mhuri - nezvazvo. Mumwe yakamanikana Profile purogiramu kubhengi anonzi. Rakagadzirirwa aivabatsira kutenga mufurati ari ichangogadzwa kuroorana chikwereti, vagari vaduku repakati nevana uye kakawanda dambudziko zvemari. Chokwadi, kubhangi kunobatsira vanhu havana mari yazvo, uye kuti svitsanisa pakati mukwereti uye mamiriro, iyo subsidizes chirongwa: Real Estate rinova isingadhuri ne 35% (nokuti vakaroorana, izvo haana vana) kana 40% (kana uine vana mumwe kana kupfuura) .

Panyaya iyi, makore nerimwe vabereki kuitawo program - kusvika makore 30. Rate pa annum pamusoro chikwereti "Family Young" - 11%. izwi of chikwereti - kusvika makore 30. chirongwa ichi - nechigadziko, rinogona vaisanganisa maererano nezvimwe nzira - somuenzaniso, kuburikidza mubereki guru kana dzimba certificate. chirongwa ichi awana kudiwa kukuru pakati vokuRussia.

Mhedziso pamusoro pamahombekombe

"VTB 24" rine chimwe chezvinhu mavara muunganidzwa zvirongwa chikwereti pakati kukwikwidzana chikwereti masangano. Izvi hazvishamisi, bhengi ichi ine rakakura richikurukura mahofisi uye vatengi mabasa anoteererwa kubva remunharaunda maonero. Zvikuru nzira - kuratidza anokwereta, chii chikwereti changu muripo mu "VTB 24", kuverenga muripo purogiramu - zvose izvi rinoitwa pamahombekombe. A chikwereti sangano kushanda zvido mapoka vagari akawanda, kusanganisira vakawanda mumagariro haana kudzivirirwa - ichi chinosiyanisa ichi chikwereti sangano kubva siyana nezvimwe musika vatambi.

For anokwereta, kwete chokuita ropafadzo Mapato, mashoko zvikwereti chikwereti zviri pachena uye yakajeka, kuti nuances chokuita kuripwa nhoroondo uye yokutanga mutsividzo zvinotsanangurwa kwazvo. The yeGmail.END_STRONG anotanga kunzwisisa zvakakwana chii chiri chikwereti - "VTB 24", zvinhu izvo, muzviitiko zvakawanda, munhu, achimupa anodiwa ruzivo.