Mortgages muSt Petersburg: pemahombekombe, okuti uye mamiriro ezvinhu kunyoresa

Nhasi, kwete munhu wose kurarama guru tsika, anogona kutenga dzimba dzavo. Chokwadi, kuti yakakura kudaro mari kwakaoma zvisingaiti kuti avhareji hofisi mushandi kana muvaki. Ndokusaka chikwereti muSt Petersburg, zviri kudiwa kukuru pakati vagari.

Kazhinji, chirongwa ichi chiri chikwereti kuti dzakapiwa vanhu kutenga zvinhu. Kunyange chikwereti muripo wava kungava makore anopfuura 20, chimbadzo pamusoro chikwereti rinowanzova kusvika hafu mutengo. Uyezve, masangano akawanda kuti vawane rubatsiro kune chikwereti muSt Petersburg, chikwereti kubva kwokutanga mubhadharo. mari kwakadaro kwakaomawo chaizvo kuunganidza munguva pfupi. Ndokusaka asati atora chikwereti, zvinokurudzirwa kwete chete kudzidza Real Estate pamusika, asiwo kuminamato mabhanga.

Marudzi zvikwereti mogeji

To musi, pane dzakasiyana siyana chikwereti kwakadaro:

• Dzinopiwa nehurumende. Izvi mhando chikwereti vagari achiri ichangopfuura. A chikwereti ichi mhando anogona kunzi sezvo akanaka chikwereti muSt Petersburg, sezvo chimbadzo hazvisi 11.25 chete%. Zvisinei, kuti vawane akadaro chikwereti achafanira kuti ape misoro chikwereti inishuwarenzi vatengi pachavo vavo pfuma. Uyewo maererano subsidy nayo akabvumira kutenga Apartments chete pamisika chikuru, kufungisisa mutengo pokugara kubva 3 kusvika mamiriyoni 8 rubles. Nguva uyo zvikwereti iri rakapa, kazhinji makore 25.
• Mortgages mumusika chepuraimari. Muchiitiko chino, izvozvo akabvumira kuzviwanira mari nharaunda mupenyu kubva 1 kusvika mamiriyoni 12 rubles. Kana mugari St. Petersburg akasarudza kutenga nzvimbo pamusoro pamusika chikuru, nhamba mapurogiramu zvichava kuwanikwa naye. "New pamusoro pasipoti" - wegore chimbadzo 13%, yatinoona kuti kanenge 30% of nomutengo, mubhadharo izwi makore 25. "New" - zvinokosha kugadzirira rakawedzerwa ndandanda kuchengetedzeka uye kusuma basa kutenderera 15%.
• Chikwereti musika dzisiri. Muchiitiko chino, ndipo pane zvirongwa zvakawanda. "The furati iri pasipoti" - PV vanenge 30% of mutengo pokugara, asi chikamu mwero 13.25% gore negore. "House" - iyi, St. Petersburg mugari anogona kutenga pazororo musha, mari iyo anoda kubva 500 zviuru mamiriyoni 12 rubles .. The kwokutanga muripo achava 25%.

Zvisinei, zvinofanira kurangarirwa kuti chikwereti kubhengi St. Petersburg anogona siyana yekudyidzana zvichienderana sangano akasarudzwa. Havasi vose kadhi makambani chokuita zvikwereti izvi mhando. Uyezve, pane mukana kumhanyira vanonyengedza. Naizvozvo zviri nani kushandisa hombe chikwereti ari Itariro uye rakavimbika sangano.

Mortgage muSt Petersburg, Sberbank

Kutora chikwereti nokuda kutenga dzimba, vanhu vakawanda kuzvitengesa chikwereti sangano iri. Chokwadi kuti Sberbank ndiye kupfuura vari Russian Federation, kuburikidza dzakava mudyandigere uye dzimwe dzinopiwa nehurumende. Saizvozvowo, akatora zvikwereti pano, vanhu vachava nechokwadi chokuti boka zvemari haangaregi kusauka.

Saka, kana isu kutaura pamusoro ezvinhu chikwereti muSt Petersburg mu mumari Bank, zvakakosha kuti inzwi shoma pfungwa dzinokosha:

• Kana mukagamuchira chikwereti migove kuti zvivako zvitsva, shoma wepagore chimbadzo achava 10.4 chete%. Panguva iyoyo anomukweretesa mari ichava regai asingasviki 300 zviuru. Rubles. PV, izvo zvaunofanira kuita ndiyo 20%.
• Kana kushandisa kuti chikwereti kuti kutenga rechipiri mudzimba chikamu vachibhadhara negore uchava zvishoma - 10,75%.
• Kana mugari achida kutenga nyika imba, ipapo mwero achava akaenzana 11,75%.

Kuwedzera sangano iri, unogona kutora chikwereti muSt Petersburg VTB Bank 24. Zvinoitawo inobudisa yakatsiga kushanda uye kare kuvapo.

Mortgage VTB 24

bhangi ichi anopa vatengi nzira dzakawanda kuti mogeji anomukweretesa:

• Mortgages muSt Petersburg pamusoro chivakwa chitsva. Panyaya iyi mwero achava 10.9%, uye PV 10%.
• The mufurati vari rakapedzwa musha, mari zvisina kupfuura mamiriyoni 60 rubles. Avo vanoda kuwana chouviri nzvimbo, unofanira kuita somunhu pasi kubhadhara zvinenge 10% pagore uye mari inenge 11.25%.

Mortgage kubhengi "Opening"

Muchiitiko chino, chikwereti anomukweretesa anofanira kuitwa asina asingasviki 20% of nomutengo. The zvazvingava wegore iri 11.25%. Kana isu kutaura pamusoro kunonyanyisa chikwereti rokuti, hazvizovi pfuura makore 30.

Kunze chikwereti muSt Petersburg, kubhengi "Opening" anopa vagari zvikwereti kuti mikuru igadziridzwe flats.

Mortgage mu SKB

bhangi Uyu kumbonyanya yakavimbika sangano kuti anogona kushandisa kuti mogeji.

CSC rinopa vagari mukana mangwanani mutsividzo uye rutapudzo yakafanira. Panyaya iyi, kuti chimbadzo pamusoro chikwereti 14% pa annum.

Kunyange zvakadaro, vakawanda vanofarira zvinobvira chikwereti muSt Petersburg pasina pasi mubhadharo. Kana tiri kutaura pamusoro mhuri duku, mukana chaizvo. Sezvo nhasi nzvimbo kurarama kazhinji kutenga vakaroorana nevana vaduku, hurumende kwakasimbiswa purogiramu inokosha kwavari.

Mortgages muSt Petersburg: muduku mhuri

Chirongwa ichi rakakodzera vakaroorana, vane zera hakuiti pfuura makore 35. Muchiitiko chino, rinoreva kushandiswa mubereki guru sechinhu nekutambira mipiro kwokutanga uye wandei. Uyezve kubhadhara nangana mureza nzira. The chimbadzo iri 12,5%. Nehasha kutaura, akagamuchira MC anogona kuronga chikwereti risina pasi muripo muSt Petersburg.

Uyezve, mhuri duku isina vana dzimwe nguva kuti kunze chaiwo dzinopiwa nehurumende. Under yakanaka mashoko aya, vawanani anogona kushandisa mumwe kubhangi mapazi abvumirwa kuti vawane mari rubatsiro, iyo inogona kushandiswa nenzira dzakasiyana:

• kuisa kure huwandu vachifarira PV pamusoro chikwereti;
• kubhadhara chikamu chikwereti kana zvakakwana;
• kuti mari idzi semuripo pekugara.

Mukuwedzera, vatori chepurogiramu inova iripo chikwereti zvikwereti pamwe kudzikisirwa chimbadzo (chitsama izvo zvichava yakaderera zvikuru pane pamusika).

Mari kuti chirongwa ichi chinogona kuitwa kubva yeUnited uye veko bhajeti. Muchiitiko chino, anogona rakapa vose mubereko isina chikwereti, izvo akapa kwokutanga kubhadhara 30% of nomutengo.

uto anomukweretesa

Muna 2005, hurumende yakatanga chirongwa "Military Mortgage" muSt Petersburg uye mamwe maguta. Maererano utsanzi, hurumende inopa vanhu muuto, mupenyu nzvimbo haisi mhando uye mari. Izvi zvinoreva kuti musoja anogona kuwana ngaamuitire iri uwandu mamiriyoni 1 rubles, uye vanopedza pamusoro kwokutanga mubhadharo pamusoro chikwereti kana kutenga rweruzhinji dzimba mari.

Uyewo, "Mortgage Military" muSt Petersburg inosanganisira yavaive mari iri uwandu mamiriyoni 2,5 rubles nokuda chemhosva nokuda kwezvikwereti. vari zviitiko izvi vaibata toga. Avhareji Huwandu subsidy chavakapiwa neHurumende, iri kuti mamiriyoni 3-4 rubles. Kana musoja achida kutenga imba nemutengo yakakwirira, waanoripira chasara pachavo.

Zvisinei, chinofanira kufungawo chokwadi chokuti dzinopiwa rine dzinoverengeka yakabvumira kugadziriswa kwemutemo wekuita uye kunze. Saka, kuwana nouchapupu rubatsiro rwemari havagoni wose kushumira muchiuto.

In mhedziso

Kutsvaga chikwereti kunogona anenge ose munhu ane nzvimbo yechigarire basa. Zvose zvinoenderana maduramazwi ezvinhu kwemutongo tsika. Chokwadi, kuti chikwereti zvakanaka kushandisa nomumwe ehurumende mabhanga. Chete nenzira iyi inopikira zvichagoverwa kuti mugari. Usati ukatenga mufurati mu chikwereti Zvinokurudzirwa kudzidza Real Estate pamusika kunyatsotevera uye kana zvichiita kubvunza ane gweta. Kana isu kutaura nyaya nepfungwa, zvinokwanisika kuti kuderedza mari kuti kutenga nemafurati. Uyezve, vanofanira ukanyatsoongorora pamazita dzorubatsiro zvaipiwa nehurumende.