Mortgage pasina pasi mubhadharo mu "Agricultural Bank": mamiriro ezvinhu, asi chimbadzo

Accommodation - ichi ndechimwe chikuru zvinodiwa nomumwe wedu. Zvinosuruvarisa munguva yedu, yaiungana mamita unodhura. Asi nekuti pane zvakaoma, vanhu kugadzirisa dambudziko iri nokuita panze chikwereti pasina kuda mufurati imba kana. Uye zvisati, vakanga vachinyatsoongorora kudzidza vaitaura zviri pamusika mari. Uye vanhu vazhinji vanofarira chaizvo mune chikwereti asina pasi mari "Rosselkhozbank".

Vhuṱanzi

Chokutanga, ndinoda kutaura kuti sangano zvemari ichi inogona kuvimbwa. Sezvo chiri pamusoro yechitanhatu nzvimbo chepamusoro nokuvimbika pakati pemahombekombe 600 muRussia. Huwandu zvinhu "Rosselkhozbank" akapfuudza Verengai 2,76 tiririyoni rubles. Uye chokwadi kuti vanhu vanovimba naye mari yavo, tivimbe.

Tinogona nezvamai basa iri sezvo ari chikwereti pasina pasi mubhadharo mu "Agricultural Bank"? Saka, kutanga, riripo. Uye chechipiri, zvinonzi rakapa kwete vose. pane nyaya nhatu chete vakawanda tsika, umo zvinokwanisika.

Chokutanga, kwokutanga muripo hakusi zvakakodzera, asi mamiriro ezvinhu kuti issuance kuti chikwereti achava yakasimba. Uye vacharatidza kana ari mupfupi rokuti muripo, kana kumusoro kufarira prices.

nyaya Second: sezvo uwandu mari, iyo yakatorwa nezvokudzivirirwa chaiyo vevaGiriki, izvo kare muridzi anokwereta. Mbiri mubairo wayo uye kutenga dzimba itsva vari rakapa pakarepo, pamwe chete.

Uye nyaya wechitatu: iri maternity guru, iro vakagamuchira anokwereta panguva pakaberekwa mwana rinoshandiswa senzira pasi muripo. Pano iye chete vaiita "Rosselkhozbank". Zviya, mhuri diki (somwana, uye pasina izvozvo) akapa yakanaka ezvinhu, achireva kuderedzwa bhaa nokuda yokutanga yakavamba. Zvisinei, tinogona kutaura nezvenyaya iyi uye zvakawanda.

inokwanisika Real Estate

Mortgage pasina pasi mubhadharo mu "Agricultural Bank" rakapa kuti kutenga zvimwe Mapato zvinhu. Vanhu vachishandisa maternity guru anogona kutenga mufurati kana chikuru kana mumusika yechipiri. Kutenga dzimba mumba ichangovakwa (ichi, Sezvineiwo, ndiwo mutengo-inobudirira zvikuru mhinduro).

Uyewo kuwanikwa kwavari kumba nyika uye townhouses. mari yakawanda inogona kupiwa yakazvimirira kuvaka mudzimba. Uyewo, kutenga nyika iyo redzimba riri amisa. Mukuwedzera, chikwereti iri rakapa kuti kutenga konekwa dzimba pamwe nenyika, kana vanhu vari kuronga kuunza pakuvaka kusvikira pakuguma. Nokuti kutenga nyika kuwana chikwereti kupfura sezvinobvira.

The huru ezvinhu

To chikwereti pasina pasi mubhadharo mu "Rosselkhozbank" anzverwa, vanokwanisa anokwereta inofanira kusvitsa zvimwe zvinodiwa. Chikurukuru zvinofanira kucherechedzwa vainyatsotarisirwa.

Anokwereta achava zvizere kodzero dzokurasa aiva nomukurumbira rwaamai guru. Uye kana mari kuti kana iye ane, rinotaura kukura rakaziviswa kwokutanga muripo, zvakatemwa kubudikidza mashoko zvaunoda zvirongwa, chikwereti vanotenderwa. Ndizvo chisarudzo panyaya, kana mari kwazvo. Izvi zvinoreva kuti kwokutanga muripo kuti zvinogona anokwereta achava 0%.

More muridzi pfuma kuchinjirwa ruve rubatso, unofanira kuva murume mukuru. Uye mukati mitatu mushure issuance pamusoro chikwereti, unofanira kushandisa kuti mudyandigere Fund of Russian Federation, kuti nyora maternity guru kubhengi. Izvi zvakakodzera nokuti rushoma mutsividzo pakati chikwereti - ndidzo ezvinhu. Asi, kuwedzera kune mwero pasuru magwaro kana waita chikwereti anofanirwa kupa gwaro kuna CMC uye rugwaro kubva mudyandigere Fund, iyo achanyorwa, inova mari yakaramba iri nhoroondo mubereki guru.

zvinyorwa

Asi zvino zvinoita kuti akatamisa mapepa, izvo zvichaita vanofanira kuunganidza uye kuuya munhu anosarudza kutora chikwereti mu "Rosselkhozbank". The Pamazita iri sezvinotevera:

1. Application fomu rwezvemabhengi waakaudzwa chimiro.

2. pasipoti yacho mugari wenyika Russian Federation. Dzakakodzera uye noenderana Gwaro (eg gwaro muchiuto, kushanda pamwe).

3. Military ID - Vanosungirwa varume pasi makore 27. The nzira - kunyoresa gwaro.

4. Gwaro certifying kwevakaroorana chinzvimbo uye kuvapo vana, kana ani.

5. Paper achisimbisa basa mwero dzingangoitika anokwereta uye ayo ezvinhu zvemari.

6. zvinyorwa All pamusoro pfuma ane kutora iri kurongwa.

The pamazita kuchengetedzeka zvingava vakwanise - kana uchida zvimwe, zvichaita wazivisa mutengi pamusoro nomunhu.

zvinhu zvinodiwa

Vanhu vazhinji zvamatonga kwakadai chikwereti chakafanana chikwereti mu "Rosselkhozbank". Reviews zvakanaka, vanosiya - vimbisa kuti mamiriro ezvinhu aisimudzira uye nyore, kuti zvinokosha. Sangano zvakanaka chaiye vatengi vane chikwereti nhoroondo yakanaka. Izvi, Sezvineiwo, mumwe zvinodiwa kuti zvinogona anokwereta. Kune vashoma zvikuru:

1. Age - makore anenge 21. The chikwereti anofanira mubayiro kusvika makore 65.

2. Ugari - Russia. Sezvo kunyoresa.

3. Experience - mwedzi mitanhatu panzvimbo yepasisa basa. Uye Kanenge pagore rose basa rose. Nokuti makasitoma "Rosselkhozbank" dhisikaundi - Ivo vanobvumirwa noruzivo 3 months panzvimbo imwe.

vanhu vakwegura vakanga vakaenda pamutemo mazororo, uye kugamuchira mari kubva RF mudyandigere Fund kuti nhoroondo yakavhurwa sangano, rinopa Mamiriro ezvinhu "Rosselkhozbank". Mortgage pensioners inowanikwa zvinyoronyoro ezvinhu - kwavari kuvapo wegore basa ruzivo hakusi mashanu adarika.

mhuri duku

Sezvaunogona kuona, zviri zvikuru mashoko anonzwisisika zvinoratidza "Rosselkhozbank". Mortgage pamwe wehurumende rutsigiro kwakakurumbira, kunyanya vechidiki mhuri. Uye pane yoga mashoko kwavari.

Mhuri wechiduku anonzi kuva mubatanidzwa umo makore rimwe kuwanana (Zvakanakisa - zvose) hakurevi kusapfuudza mucherechedzo makore 35. Also kuwira muchikwata ichi yemakambani anokwereta pasina yepamutemo nemumwe, asi pamwe mwana. Zvisinei, amai / baba-oga uye hakufaniri kuva makore anopfuura 35.

zvinobatsira

Zvino mupiro. Rwaamai guta inogona kubhadharwa kanenge 10% kubva mutengo pfuma. Asi kana chiri chitsva (musika chepuraimari) - kukura ichiwedzerwa 20%.

Pfungwa inokosha: kana chikwereti nguva, vaviri aiva mwana, vanogona kuva kunonoka kuripwa chikwereti. Asi chete kusvikira nguva yakadai mwana haasi 3 namakore.

mubereko

Izvi zvinonyanya kukosha nyaya. Munhu wese anoda kuziva sei achafanira kubhadhara sechikwereti. Uye vanhu ava vanofarira pakutanga, kureva "Agricultural Bank". "Mortgage Calculator" - zvikuru kana unofanira kuverenga zvose.

Toti, mari yacho kuwanana iri uwandu 60 000 rubles pamwedzi. Pakadaro, vanogona mvumo chikwereti anosvika 2617500 pamusoro p. Somuenzaniso, vakasarudza kutora mamiriyoni maviri kutenga Studio furati kwemakore 10. zvazvingava Annual - 12,9%. Uye 15% uwandu rakati rwakabhadharwa mukati mwedzi mitatu mubereki guru. Muchiitiko chino, mwedzi vachafanira kupa 29.745 rubles abhadhare chikwereti. Sezvo vaifanira kuti muripo wavo aigona kusvika 43 313 p. A yakawanda kubhengi haagoni kugamuchira, kunyange kana zvimwe tsime kwemari vaibva vatengi uye vanogona kunobhadhara mazakwatira chikwereti. Kushandura zvakatipoteredza achafanira kushandisa zvakananga "Agricultural Bank".

"Mortgage karukureta" - basa zvakanaka kuti zvinoratidza chemhosva purogiramu. Ndokumutarira, unogona kuona kuti mari yakawanda munhu overpaid. Kana tikataura pamusoro muenzaniso pamusoro apa, zvinonyatsorehwa bhengi anokwereta Acharipa 3.569.400 rubles. mamiriyoni maviri sezvo chikwereti uye 1,569,400 (kashoma shoma vakabatikana mari) - ari chikamu.

Information vashumiri vehurumende

Haisi zvose dzinonakidza vaitaura, iro rine "Rosselkhozbank". Military Mortgage - ichi ndechimwe wenyaya kuti zvinofanira kucherechedzwa kutarisirwa. A anonakidza mashandiro kuti pakuunganidza dzimba. Zviri kuwanikwa servicemen muzvirongwa mari uye chikwereti hurongwa kwedzimba.

Saka pano sei akunoita: uto akasvinudzwa rinoponesa nhoroondo uko hurumende dzose mwedzi anoti imwe mari. For 2016 zvikavavarira kusvika 245.880 rubles pagore. Pashure pemakore matatu kuita muchiuto vangada kwakafanana NIS mushumo vawane tsamba, iyo achamupa kodzero kuti Vanosarudzwa zvikwereti dzimba. Kana zviri mumaoko ake - inguva tonotora pfuma, nezvimwe zvinhu zvinodiwa. Dzavo anogadza yokuRussia Defence Ushumiri, kubhangi pacharo uye boka inishuwarenzi.

zvimwe zviito

Mushure muchiuto kuzvisarudzira pacharo ugaro, izvo anoda kutenga, unogona kuenda nemasaini chikwereti chibvumirano. "Agricultural Bank" anozarura yoga nyaya, iro rinotaura zvose akaunganidza mari iri gadziriro yacho NIS. Ndivo kwokutanga muripo zvichabviswa kubhadharwa.

Zvinodiwa anokwereta ndiwo:

1. Ugari - Russia.

2. Minimum zera - 22 okuberekwa.

3. The vaifanira - makore 45 okuberekwa panguva nokuripira.

4. Nguva kuitawo NIS - kushoma mwedzi 36.

Kunonyanyisa mari anogona kupinda muchiuto sezvo chikwereti - mamiriyoni 2,05 rubles kuti kutenga mufurati. Kana uchida kutenga rangano ane imba - kungaguma 1 850 000 p. The zvazvingava achava akaenzana 10.5 uye 11.5%, ukuwo. Saka sandara, sezvo kuonekwa, kutenga zvakawanda zvakanaka muzvinhu zvose. By munzira, akaunganidza mari iri gadziriro iri NIS kunofanira zvakakwana kweinenge ane 10 muzana kubhadhara.

chemhosva sei? nyore mashandiro. Anotsiva chikwereti FGKU "Rosvoenipoteka". Mari kuna batana bhajeti. Rendi pakati 1/12 uwandu iyo mauto akagarwa sechipiriso chekuchengeta kubhadhara.

Chiizve Zvinokosha kuziva?

Attention zvinofanira kucherechedzwa uye mamwe mashoko pamusoro chikwereti kubudiswa mu sangano akadai "Rosselkhozbank". Mortgage chimbadzo, mazwi - zvakakosha chaizvo. Asi zvikuru nhasi kuziva kuti unofanira kuita kuti kunokurumidza Nokubvumira chikwereti uye sei kuponesa. Uye pano ndivo mazano:

1. Zvakakosha kuuya magwaro sezvo vazhinji vachikundikana zvemari solvency. The yakakura pamusika, achisimbisa matsime siyana mari - nani. Vanhu Vakawanda kupa hunotovapo dzimba kuti rendi, muuye kunyange chibvumirano, zvichiratidza chokwadi chokwadi ichi.

2. Kuti kutora chikwereti vanoda risingamboshandisi zvichibvira nguva. The overpayment achava duku.

3. Zviri chinodiwa kuswedera sozaomschika. Kana kunyange vaviri.

4. kwokutanga muripo anofanira maximized - saka kuti chikwereti yava duku.

5. Kuti zvakawanda pamusoro mubereko prices nani, zvakakodzera kare kuti ave mutengi pakati kubhengi.

Asi chinhu chinonyanya kukosha - unofanira kutanga uzive zvose zvinhu, uye mamiriro ezvinhu nezvaro kondirakiti. Uye chete ipapo kusarudza kuti ape chikwereti. Prudence muzvinhu zvemari havasi wandisa.