Ndinogona prepay chikwereti iri mari Bank of mubereki guru?

Vabereki vane mbiri kana kupfuura vana, kazhinji kugadzirisa mubvunzo kana mangwanani mutsividzo munhu chikwereti iri mari Bank. The zvemupiro chikwereti kunoenderana sei nokukurumidza mhuri vachabvumirwa kushandisa inokosha hurumende subsidy - mubereki guru.

Ko mumwe mogeji

Muzviitiko apo hurumende rubatsiro inoshandiswa kuvaka pokugara, kutenga mativi metres, mubhadharo mabasa edzidzo kana paumbwe mari chikamu mudyandigere mari hazvigoni kuwanwa kusvikira mwana makore matatu okuberekwa. Kana amai guru anorayirwa abhadhare chikwereti, kumirira kuguma musi chirevo hakusi zvakakodzera. Ndokusaka pamasikiro dzimba chikwereti pamwe kodzero mangwanani mutsividzo anova chikuru nzira vabereki kuvhura subsidy.

Nyatsoteerera chemhosva Pakuurayiwa chikwereti

Commercial mabhanga, sezvinoita mutemo, havasi kuziva kuti mutengi akadzorera chikwereti mberi nguva. Naizvozvo, vazhinji zvinogona anokwereta hanya, kana zvichibvira kuti prepay munhu chikwereti chikwereti kubva Sberbank.

Kuti tiwane chikwereti, zvakakosha kuverenga uye kuongorora zvikwereti magwaro mutsetse norwonzi, kwete kukanganiswa vakakutsamwisai revashandi vanoda kukurumidza iwe. Mashoko mutsividzo pamusoro chikwereti inowanzopiwa akatsaurira chikamu rose chesungano. Nyatsoteerera muripo purogiramu - unogona kuiswa ari oga kushanda. Kusununguka kana iwe akaratidza izvozvo zuva? Ko yakakurisa rendi? Terms okutanga mutsividzo kupendwa zvakadzama, asi unogona kupiwa omuzasi kana yakavigwa mukuwanda rugwaro vataipa kudhindwa duku.

zvakapesana kuti chikwereti

mabhanga mazhinji vari kuedza kuderedza kodzero vatengi kudzorera chikwereti zvizere kana chikamu, kare raanotaura kondirakiti. Kuti izvi zvidaro, chikwereti zvinyorwa kazhinji mamwe mamiriro dzatangwa. Somuenzaniso, akadai:

1. Ruregerero Early akabvumira asina kwokutanga pane pashure refu nguva, izvo zvingava 6 mwedzi kana kupfuura.
2. It anogadza risingamboshandisi chikumbaridzozve kuti uwandu muripo mberi purogiramu. Somuenzaniso, imwe anokwereta rambidza achitungamirira kuzopiwawo pamusoro inopfupikisa mari isingasviki zviuru 10. Kwiza nechekuzasi. Saka, kamwe kamwe kuwana basa bhonasi, kana hazvisi yakakurisa, kuti havazokwanisi kuderedza kukuvadza chikwereti.
3. The mapepa inogona kuisa vachibhadharisa pakuchinja mangwanani chikwereti dzosera. Kazhinji, ayo saizi harikurudziri kubhadhara zvikwereti mberi nguva.
4. Ndoda ari chikwereti mapepa aripo onerous ezvinhu yaida mari mubereko uye yechikoro zvizere kwenguva yakatarwa nguva (semuenzaniso, pamwedzi kana Quarterly), pasinei ndechokuti iwe kumudzorera chikwereti mberi purogiramu.

Ndinogona prepay chikwereti iri mari Bank

Conditions inorambidza kodzero akakwereta kubhadhara mutoro mberi nguva, akava zvichinyanya kushanda munguva zvemari dambudziko. Naizvozvo, vatengi vazhinji vari kutanga nechokwadi kana zvichibvira kuti prepay munhu chikwereti chikwereti kubva Sberbank.

In chikuru masangano zvemari munyika vanobvumirwa kudzotsa zvikwereti kare chibvumirano pakati yemichindwe. Commission kuchibhadhara haisi kuzvireva. Ita mari akabvumira kunyange pazuva mushure chikwereti. Mukuru pabasa iri kuvharwa kana kuderedzwa panguva rudzikinuro mubereko dzakava. Zvakakosha chete kwete pava paya pane kushanda mazuva maviri kuti vaudze Bank kunyora nhamba mazita, uye zvikuru sei uchida kudzokera mberi purogiramu. Pahwaro ziviso ichi, vakuru mudonzvo kuchaita kuitisa kuvhiyiwa pakunamata. Zvikasadaro, kwawakaita mari iiswe nyaya chaiyo uye achanyorwa kure nokudzoka chitsama chikwereti iri pamwedzi hwaro maererano muripo papurogiramu.

Report pamusoro mangwanani mutsividzo kuti chikwereti mari iri akambochera uye yakasainwa ne nemhosva iri munhu pahofisi kubhengi.

chikwereti rako vimba vhiki

kungopa Vakawanda maternity guru asingafaririwo mubvunzo kana zvichibvira kuti prepay munhu chikwereti ari mumari Bank neMugovera? The oparesheni kudzorera chikwereti wazvipira chichaitwa musi iwoyo kana muhofisi, rakanga wakashongedzwa chikwereti mabasa. Kana bazi musi woMugovera, chemhosva pakati chikwereti ichaitwa muna inotevera weekday. Musi weSvondo, kuvhiyiwa hauna kuitwa pamusoro zvikwereti.

Pane mubereko zvikwereti Housing

Vamwe vatengi vari vanoziva misimboti kadhi, kuzvibvunza kana zvichibvira kuti prepay munhu chikwereti ari mumari Bank pasina mubereko? Pashure pezvose, "Mapurasitiki" iri inenge nguva dzose isai kumwedzi nyasha, izvo zvinogona kusvika mazuva 50-60. Kana chikwereti mutsividzo zvachose pamberi yapfuura rokuti kufarira haina kubhadharwa. Zvisinei, nguva chikwereti nyasha haisi kuisa. Kunyange kana iwe kumudzorera chikwereti pazuva, vachava kubhadhara mubereko kushandisa zuva chikwereti mari.

Kushandisa kuti Grant

The mudyandigere Fund kakawanda kugamuchira zvikumbiro, kana zvichibvira kuti prepay munhu chikwereti iri mari Bank, achishandisa maternity guru.

Muna 2016 kukura mubereki gwaro ichiri 453 026 rubles.

Kuti kushandisa subsidy, vabereki zviviri kana kupfuura vana vanofanira kuunganidza pasuru magwaro akarongwa nemutemo:

- kadhi;

- SNILS;

- VAT nhamba;

- mumwe muchato (kurambana);

- rugwaro kubva redzimba dhipatimendi vomumhuri;

- zvekuzvarwa vose vana;

- chitupa chekuzvarwa;

- notarized zvandinovimbisa nevabereki kuti govera mugove vana yokuvanda.

Nokuongorora mudyandigere Fund of Russian Federation mubvunzo kana zvichibvira kuti prepay chikwereti iri mari Bank of mubereki guru pachako iwe tora 1 mwedzi. Shure iyi, kana kwete zvinopesana nemurairo, takagadzirira chitupa.

Next, unofanira kugadzira mamwe magwaro ane mashoko pamusoro chikwereti chibvumirano wechipiri:

1. Pasipoti anokwereta zvakare.
2. SNILS.
3. INN.
4. The chikwereti chibvumirano (chokutanga kana munhu vanopupurirwa kopi).
5. Rubatso Agreement (chikwereti) - chokutanga kana munhu notarized kopi.
6. Payment purogiramu.
7. Mashoko pamusoro nhoroondo kufamba (sezvo chikwereti mari yakapiwa uye vakadzokera bhengi chokwadi).
8. Payment akadzama.

Kana wakagadzirira mapepa zvakanaka nomwedzi mumwe mudyandigere Fund richabva chitsama rugwaro mune nyaya inokosha kubhengi.

How kudzora chekubuda mari

Izvi zvinogona kuitwa mwedzi mumwe pashure nokuzvininipisa kwedu pasuru yacho magwaro yechipiri ngavauye vari munhu pahofisi mumari Bank mogeji. Pafoni, vashandi havana kodzero kupa ruzivo zvemari, kana iwe akazarura bumbiro shoko kwamuri.

Zvisinei, zvakawanda zvinobatsira kudzora kuripwa maternity guru Via pachake cabinet mu "Sberbank Online" hurongwa. Uchishandisa Username uye pasiwedhi, iwe chamber aibuda mari kuburikidza chero kombiyuta paIndaneti. Sign mu "Sberbank Online" zvinogoneka kuburikidza ATMs, Pos zviteshi, uyewo kushandisa foni Anwendung.

Achiona kuti amai guru kusvika "rwendo", onana Maneja wako chikwereti. Pre-tarisa kana unogona prepay chikwereti Sberbank ikozvino. Iva akagadzirira kuenda kuhofisi uye kunyora chiziviso.

Pashure pokuvhiyiwa muripo purogiramu ari recalculated - chitsama rendi ipfupi proportionally.

Kutanga yakachena dombo?

Vabereki vanoronga nokukurumidza kugamuchira guta maternity, kazhinji kufarira kana zvichibvira mberi nguva kubhadhara chikwereti iri mari Bank, uye tora itsva. Maererano nomutemo munhu anogona kupinda vakawanda chikwereti zvibvumirano. Kubva panguva iyi maonero, kuti chikwereti itsva, kwete hazvo kuva iripo kudzima.

Asi anokweretesa kubhangi kuti mabasa, ongorora mukana abvumire zvikwereti, kutarisira mubayiro wako. Zvinonzi akatsunga pachishandiswa zvitupa mari. Uyewo kufunga huripo zvikwereti. Level muzvikwereti pamunhu ane kuva vakadaro kuti anogona kubhadhara zvikwereti zvayo pamusoro nguva, apo kuunza zvokudya nokuzvidzora uye vasiri kushanda vomumhuri. Pane zvimwe zvikwereti zvigadzirwa, izvo zvinofanira hazvo kufukidzwa nokuda rubatso kana inopikira.

Nokubhadhara chikwereti mangwanani, unogona kamwe zvakare kupa kusunungurwa kubva encumbrances redzimba kubhengi sezvo rubatso zvikwereti zvitsva. Nezvokudzivirirwa mari zvikoro kupa zvikwereti nyore uye kazhinji.

Zvisinei, kana chikwereti chako ari chikwereti, tora nguva kudzima nayo mberi nguva, kana ukaona kuti mari anogona nokukurumidza chaizodiwa zvakare. Kazhinji zvikwereti Housing ndivo yakachipa pashiri kuramba, uye mari mazwi pamusoro pavo wakarebesa. Chikwereti chimbadzo ndiyo 11% pa annum. On nevatengi chikwereti ichiwedzerwa kuti azvipire 14.9 kusvika 21.9% chete annum. On zvikwereti musha vaifanira nguva mari - makore 30, maererano mutengi - makore 5 chete okuberekwa. Wana kuzodzosera chikwereti pamusoro tichitarisa chikwereti anogona chete kana ivo kutenga pfuma itsva.

Information vafambi

Mhuri vane vatame, ainetseka: zvinoita here kuti prepay kuti chikwereti kubva Sberbank mune imwe nharaunda? Current chikwereti kubhadhara zvinogona kuitwa senguva dzose. Zvakakwana nenguva kuchinjwa runodiwa mari pamusoro chibvumirano yamunenge nhoroondo. Asi mangwanani Kuripwa imwe nharaunda anokwereta pachako havaizokwanisa ezvidzidzo. Pashure pezvose, nokuti kuvhiyiwa ichi, unofanira kuuya kuhofisi kubhangi, yakaitwa muna redzimba chikwereti, nemasaini chiziviso.

Maererano neizvi vabereki vari kugadzirira kufamba, zvinova akakodzera mubvunzo kana zvichibvira mberi nguva kubhadhara chikwereti iri mari Bank simba gweta? Shure zvose, izvi zvinoenderana, zvichiita kuti vave mumwe kubva neshamwari kana nevoukama kudzoka zvikwereti kumusha.

Sei kuenda gweta

Kuti kuwedzera mari chaiwo nyaya yakasarudzwa kuti kuunganidza mari, simba gweta haina kuzvireva. Zvisinei, kuti kare kwema kuti mangwanani mutsividzo pamusoro chikwereti, unofanira kucherechedza, wakasainwa mukwereti kana mumwe munhu mvumo kuita pachinzvimbo chake.

Kodzero kumiririra yeGmail.END_STRONG mubhangi iri vanopupurirwa ne ane gweta simba gweta. In chinyorwa chacho anofanira kuvapo okuti, zvichireva kuti shamwari yako kana hama anobvumirwa akashaya kubhadhara chikwereti kuzvipira.

"Mitambo Card"

Vamwe vatengi vari zvakare kufarira mubvunzo kana issuance purogiramu chikwereti anowanika pasi "Mapurasitiki" uye kana zvichibvira mberi nguva kubhadhara chikwereti iri mari Bank kadhi? zvikwereti Housing anogona ipiwe mune zvimwe zviitiko, mune asiri mari fomu. Kusanganisira vanofadza mubhangi, vari rakapa neSvondo.

Zvisinei, chikwereti ari hautorwi kuti kadhi rokubhengi. Plastic makadhi vaine mwero chikwereti zvivako zviri chete nokuda kwokuripirwa ano nevatengi mari. kwavari maturities vane pfupi chaizvo, vose Masvomhu kuti munataisireva kuitika mukati gore rimwe. Kana ukadaro, zvisinei, vakapedza imwe mari ine kadhi kubhadhara mutengo kwedzimba, zvakafanira kudzokera zvinhu zviri mutengi chikwereti.

Saka, zvinobvira here kuti prepay chikwereti iri mari Bank of maternity guta? Hongu, kana uri pasi pomurairo vanekodzero kugamuchira map. Ziva nezvaanogona dzako uye kuzvishandisa.