Ndingaita sei kuti ndibhadhara chikwereti changu nokukurumidza? Zvirongwa, zvisarudzo, mamiriro

Vose avo vakatenga dzimba dzechikwereti, vanoshamisika: kukurumidza sei kubhadhara Mortgage? Zvechokwadi, kune anenge munhu wese iyi nyaya iyi mupfungwa. Ziva uye ugamuchire kuti kwemakumi emakore, akakwereta achabhadhara chikwereti chakaoma zvikuru.

Kubhadharwa kwemwedzi kubva gore negore, mari yekuwedzera kwe inshuwarisi uye mamwe majekiseni emari muimba itsva ichangobva kuwanikwa inoita chido chokubhadhara chikwereti chekutenga chikwereti nekukurumidza.

Mwedzi miripo yokubhadhara zvirongwa

Kunyangwe purogiramu yakabhadhara mari inobatsira inotsanangurirwa kwete chete neyakare yegore yepakati uye nguva yakakodzera yekukweretesa, asiwo nekusarudza imwe yezvirongwa zvekubhadhara.

Annuity scheme

Zvinokubvumira kuti iwe uite mari yepamwedzi pamari yakaenzana muhupenyu hwechikwereti. Asi usafunga kuti kubhadhara kunowanikwa nehafu yenguva yakatarwa: chikwereti chikuru uye chido chekushandisa kwayo.

Somuenzaniso, chibvumirano chekubhadhara chikwereti ndezvemakore makumi maviri nemakumi mashanu nemashanu, uye kwekutanga makore gumi nemaviri kusvika kune gumi nemakore gumi nematanhatu, chikamu chekubhadhara kwemwedzi wega wega chichava nemari yakawanda, asi iyo iyo yemutero haichazovi nechinangwa chekuchinja. Kukurumidza sei kubhadhara chikwereti pane annuity scheme? Hapana nzira. Bhizinesi kunyange nemamiriro ekubhadhara kwokutanga kweimba inotora chikwereti inoda kufarira kubva kune akakwereta. Nokudaro, kuzvidzivirira kubva pakurasika uye kupa huwandu hwemari.

Izvo zvakasiyana

Mwedzi unobhadhara hauna kukwana. Mari yekutanga yakakura zvakakwana, asi inononoka zvishoma nezvishoma uye hairemeri muteresi zvakanyanya. Uye kana uyo anenge akwereta atofunga kufunga nezvekukurumidza kubhadhara chikwereti, saka izvi zvinoshandiswa kuti aite.

Chibhadharo chakasiyana chinokwana zvikamu zvakaenzana zvemuviri wechikwereti uye kuwedzera chibereko. Uye kana chikwereti ichibhadharwa mberi kwepurogiramu, kuwedzerwa kwechiyero chemuwandu kunoitika.

Kubhadhara mari yakadai pamwedzi kunenge kune vose vanokwereta chinhu chisingaiti, naizvozvo, mari yekubhadhara inosarudzwa . Mushure mezvose, mabanki akawanda haapi kupa akakwereta kodzero yekuzvisarudzira, nekushandura achishandisa annuity scheme.

Kana chikwereti ichibhadharwa ne annuity scheme mumakore ekutanga 10-15 mberi kwepurogiramu, chikamu chechikwereti chikuru hachichinje zvakawanda. Nechirongwa chakasiyana, iwe unogona kudzorera nguva pfupi chero nguva. Zvinotarisirwa kunyatsotarisa zvinorongwa kuti zvikwereti zviitwe kuitira kuti zvive nenguva yakaenzana nengozi dzose. Pashure pezvose, mukugadzirisa kubhadhara chikwereti, haugoni kuchinja chero chinhu.

Refinancing - nzira yekukurumidza kubhadhara chikwereti

Zvinokwanisika kushandisa hurongwa hwekuvandudza zvirongwa kwete chete kana zvisingaiti kubhadhara chikwereti munguva yemberi. Chikwereti chakabudiswa mune rimwe bhangi kuti chibhadhara chikwereti chiripo zvino chinogona kupfupisa nguva yekubhadhara. Izvo chete zvisingabatsiri zvekunatsiridza ndezvekubuda kwekodzero kune dzimba idzi sechibvumirano (Chitsauko 4 uye Chitsauko 6 cheMutemo "Pamusoro Pokutengeswa").

Kana uyo akwereta akashandisa kugadzirisa chete kuchengetedza dzimba kubva pakuvhara, saka izvi hazvifaniri kuitwa. Imba yezvikwereti zviviri uye refinancing ichashandiswa sezvikwata. Muzhinji, akakwereta, kana chikwereti chemari yake yechikwereti hachina kupfuura mabhiriyoni mazana manomwe, zvakanakisisa kuwana mvumo yevatengi uye kuvhara chikwereti chiripo.

Mamiriro ebhangi ekubhadhara kwokutanga kwekutengesa

Usati waita kubhadharwa kwepakutanga kwebhadharo, unoda kudzidza chikamu pane izvi muchibvumirano chechikwereti kuitira kuti unzwisise kuti zvichave zvakabatsirei. Mutemo "Pamusoro Pokuchengetedzwa Kwekodzero dzeVatengi" ine nyaya iyo inotevera kuti bhangi haina kodzero yekugadzirisa zvakakwana munhu anenge akwereta kubva pakubhadharwa kwepakutanga kwebhadharo, sezvo ichi ichikanganisa kodzero dzayo semutengi. MuArt. 810 ye Civil Code inotaura kuti akakwereta anogona kudzorera zvakakwana chikwereti mberi kwepurogiramu, asi nemvumo yomunhu ane chikwereti. Panguva imwecheteyo, mubvunzo unoramba uripo kana bhangi ine kodzero yekubhadhara mamwe maitirwo ekubhadharwa kwokutanga kubva kune akwereta.

Utongi hwezvematongerwo enyika panyaya iyi hune mhinduro kana vose vakakwereta uye akakwereta vakunda. Dzimwe mabhangi dzinoda munhu anenge akwereta kuti azivise ivo mukunyora pamusoro pemwedzi mumwe chete zuva risati ratarisirwa rekubhadhara zvakakwana kwekutora chikwereti.

Zvinokwanisika here kubhadhara chikwereti nemubereki mukuru?

Nhanho yekutanga yekubhadhara kwokutanga kwekutora chikwereti kuburikidza nemubatsiro wemhuri yemubereki iri kuisa pasi nePenssion Fund kukumbira kubva kune chidziro cheti. Inoratidzira dheedheni yese yemuiti, uye inotsanangurawo zvakarongwa kushandisa mari pamusoro. Chikumbiro chinofanira kusanganisira mapepa ezvinyorwa zvinosanganisira:

• Chiremba chekubata chibereko chekuberekwa;
• Chikwangwani cheSitifiketi chechikwata;
• Kopi yesungano yekutengesa;
• Certificate kubva kubhangi, iyo inoratidza chikamu chekutanga uye chido chokushandisa chikwereti;
• Kopi yesangano rekunyorwa kwehurumende kwekodzero yekutenga dzimba;
• Chinhu chisingazivikanwi chechibhadharo icho chikwereti chinotanga kugovera zvikamu zvevana nevakaroorana muimba inowanikwa.

Kana chikwereti chakapiwa kumudzimai / muridzi wekiti, zvichange zvakakodzera kuwedzera kupa pasipoti yake uye chikwata chemuchato.

Apo Pensheni yePensheni inoita chisarudzo chakanaka mukati memwedzi miviri kubva pazuva rawakasarudzirwa, mari yacho ichapiwa chikwereti kune wekodzero yemunhu anokweretesa. Iyi nzira inobvumira mhinduro yakanaka kumubvunzo kana zvichikwanisika kubhadhara chikwereti nemubereki mukuru.

Kurasirwa kwemitero uye mari yekuchengetera mari

Nekubatsirwa kwekubhadhara mutero, iwe unogonawo kubhadhara zvishoma kana zvachose kubhadhara chikwereti. Mumwe nomumwe wevagari veRussian Federation vane kodzero, pavanowana dzimba, kuti vave nekukwanisa kubhadhara mitero yaimbobhadhara kare. Ichi ndicho chigadziro chinowanikwa. Nhamba yemari yekubhadhara mari inowanikwa pa13%. Anokwereta ane kodzero yekuwana mutero wokubvisa mutero, usingadariki mabhiriyoni maviri emabhururi.

Ronga, dzokazve uye uchengete

Kana uyo anenge akwereta atoshandisa nzira idzi pamusoro apa, asi anoenderera mberi achitambudzwa nemubvunzo wekubhadhara chikwereti nokukurumidza, unogona kushandisa mazano anotevera.

Zvinotarisirwa kuongorora zvakanyatsoona mari uye mari inowanikwa. Tichitarisa mari yako, iwe unoda kusarudza chaunogona kuramba, kuitira kuti mari yakachengetedzeka inogona kutumirwa mwedzi mumwe nomumwe kuti udzorere chikwereti. Semuenzaniso, rega kunwa kofi kubva kumagetsi ekugadzira uye udya munzvimbo yekudya. Uye usatenga zvakasiyana-siyana zvisingadikanwi.

Ndedzipi zvimwe zvandinokwanisa kudzorera mari yekugadzirira nguva isati yasvika?

Imwe nzira yekukurumidza kubhadhara chikwereti chiri kutora basa rakawedzerwa. Iwe unogona kudzidzisa kana kutaurirana, kunyora magwaro kana kuita nemaoko.

Uye kana ukawedzera chimwe chikamu chegumi kusvika pamwedzi kubhadharwa kwemwedzi, inokubvumirawo kupindura zvakanaka kumubvunzo kana zvichikwanisika kubhadhara chikwereti pane purogiramu. Inongodiwa chete kuziva chirongwa, kuburikidza nekubhadharwa kwezvikwereti kuchaitwa zvakajeka. Muenzaniso, uine zvikwereti zvakati wandei (chikwereti chevatengi, kadhi rechikwereti), uyo akwereta anofanira kutanga atora chikwereti chiduku. Panguva imwechete kune kubhadhara kwemwedzi weiyo chikwereti chekukwereta, unofanira kuwedzera 10% uye usakanganwa nezvekubhadhara vamwe. Enda kubva kumaduku kusvika kumazana. Mushure mekunge dzimwe chikwereti chakavharwa, mari yakawanda isingabhadharwi ichaonekwa, iyo iyo yakwereta inofanira kutumira kubhadhara chikwereti. Kuwedzera kwakadaro kwakanyanya kuchashanda sechisarudzo chekurumidza kukubhadhara chikwereti.

Iwe unorayiridza zvakadini pazvikwereti?

Kuva nezvikwereti zvakawanda, zvinenge zvichinyanya kukosha kune akakwereta kubhadhara kutanga iyo zvikwereti izvo zvakanakisisa zvegore negore kufarira. Zvakakosha kuyeuka kuti kune zvikwereti zvose, unofanirwa kubhadhara mubhadharo wemwedzi iwe wose uye wakakwana. Usabvumira kuumbwa kwemari uye zvikwereti: nokuti izvi hazvina kufanira mari uye, sechikonzero, kunonoka kwekubhadhara chikwereti chikuru - kubhadhara mari.

Sezvo wakabhadhara mari yakawanda "inodhura" zvikwereti, unofanira kutanga ubhadhara chikwereti chiduku uye chete gare gare, tumira mari yose yekusununguka yekutora mari.

Inishuwarenzi yezvikwereti

Anokwereta anosungirwa nemutemo kuti atsigire pfuma yakawanikwa, pamwe neutano hwake nehupenyu. Zvinokwanisika here kubhadhara chikwereti nguva isati yasvika nerubatsiro rwe inshuwarisi? Zvimwe, iwe unogona kupedza chikamu cheshuwarisi mushure mokunge chikwereti chacho chasayinwa. Asi izvi zvinofanira kungoitwa chete kana uyo akwereta akanyatsovimba kuti mushure mokunge danho rakadaro bhanhire richange richida kuti apiwe mari yechikwata chisati chaitika. Asi kana zvibvumirano zvebvumirano hazvipi kupa mari yekutanga yemari yakasara yakasara, saka danho iri rekwereta rinokuvadza bhangi kuisa chirevo chekuda mumiriri. Pashure pezvose, uku ndiko kuputsa kwechibvumirano chechikwereti.

Paunopedzisa chibvumirano chezvikwereti, zvakakosha kuzivei mberi kweiyo nguva yenguva yakakweretesa inobvumira chikwereti chake kuchengetedza pfuma. Kana chibvumirano ichi chinoratidza kuti inshuwarisi inofanira kuumbwa kwenguva yose yemutengo, ipapo munyaya iyi, haugone kurota kuponesa.

Asi kana chibvumirano ichi chinoreva kuti akakwereta anodiwa kuisa mari yeinishuwarenisi kamwechete, ichi chichava sarudzo yekukurumidza kukubhadhara chikwereti.

Inishuwarensi inobudiswa kwekanguva chemakore 1 kusvika kumashanu. Mushure mekupera kwemvumo yeinishuwarenzi, inofanira kuvandudzwa. Asi kana chibvumirano chisati chareva kuti inshuwarisi inoda kuwedzerwa, akakwereta haafaniri kuita izvi. Mushure mezvose, hapana chinhu chakadaro muhurukuro yakasayirwa.