Kapena kutenga ngongole 2014? Sberbank - Kuyamikira onse

Ngongole - msonkhano bwino mu moyo wamakono. Malinga ndi kafukufuku, anthu ambiri amagwiritsa iwo kamodzi. Kugula nyumba, galimoto ndi zipangizo banja ngongole - ndi ntchito zimene aliyense akudziwa bwinobwino ntchito, osanenapo asamadye makhadi kapena ngongole. Ngakhale, anthu nthawi zonse okhudza izi kapena funso limeneli. Koma chinthu chachikulu kwa onse akadali izi: "Ndikwabwino kutenga ngongole 2014?"

Ovomereza ndi okana

Pofuna kuti cholinga kuwerengetsa, ndi kuyankha funso kapena kutenga ngongole 2014, m'pofunika kumvetsa limagwirira kuti wakhala mitengo chidwi pa ngongole kubanki. Choyambirira ndipo chigawo zikuluzikulu - ndi refinancing mlingo wa Bank wa Central. Chidwi pa ngongole kubanki sangakhale pansipa mtengo uwu. Choncho, pamene mlingo kufufuma ndi ogwirizana mlingo wa refinancing, ndalama ngongole pang'ono depreciated kuti borrowers kukhala yopindulitsa pamene kuwonjezeka revenues mogwirizana ndi wamkulu kuposa mlingo Bank Central.

Sizikuyenda ngongole amakhala pa nthawi imene pali kuthekera kuti mwini chuma bata akhoza ukuyenda bwino m'tsogolo. mapulani yaitali ndi achilendo yekha kwa dziko, amene alandira bajeti pachaka kwa chaka chamawa, zochokera Zoneneratu ndi kuwerengetsera zizindikiro zina.

Kapena kutenga ngongole 2014?

Muzochitika mu dziko lathu kokhazikika, ngakhale odziŵa za zamavuto zotheka pambuyo Games Olympic ku Sochi ndi Kuwonjezera madera atsopano. Chinthu chokha chimene ayenera kuganizira ndi wobwereka kuthekera, ndi kukhazikika yekha chuma ndi chikuonetseratu awo.

Nkofunika kudziwa kuti ndalama za ngongole za Mulimonsemo ayenera kukhala ndalama yomweyo. Ndiye kusinthasintha anali kwenikweni pa ngongole makonzedwe inu kukwera mtengo (ndi kuchepa mu mtengo wa ruble a).

Amenewa amanena izi: ngati ndalama ngongole ochokera mumauro kapena madola US, ndipo ndalama inu lembani mu rubles pa mlingo kuwombola ndiye kukula mtengo wa ukuwonjezeka ngongole. Pakuti borrowers, izi zikutanthauza kuti overpayment zina.

Kuti amapereka Bank ndalama kuti borrowers?

Sberbank ngongole 2014 achuluka. M'chaka - tchuti - Ndalama Bank amapereka mankhwala atsopano ndi mlingo yafupika chidwi (kuchokera 14.5%). Kuyamikira izi ogula 2014 akhoza anakonza mu nthambi za Sberbank. Iwo chikalata ngati unsecured (ngati chiwongola dzanja ndi apamwamba - ndi 15,5%), ndi pansi pa chitsimikizo cha anthu. Pamaso pa guarantors kuchuluka ngongole kungakhale kwa rubles 3 miliyoni kwa miyezi 60.

Kapena kutenga ngongole 2014 Mwachitsanzo, kugulira nyumba? chaka masiku ano kubweza kukongoza ngakhale yopindulitsa. Kutsitsa mitengo ndi chidwi sayembezereka, monga mtengo wa nyumba chikukulirakulirabe. kubweza A tinganene kuti monga mtundu wa dongosolo chigawo ndi diso pa mtengo tsogolo la chuma. Inde, kwambiri overpayment, koma ndi nthawi ya alipire wa kubweza, inu Simumva izo. Tikaona kuwonjezeka mtengo wa zaka 14 zapitazi, mudzaona kuti mtengo wa nyumba chinawonjezeka ndi nthawi 2. Choncho ndi nthawi alipire kubweza nyumba kwanu kukhala chinthu ndalama kuti analipira.

Kubweza mabanja achinyamata

Sberbank zachitika wapadera kubweza pulogalamu - wachinyamata ngongole kwa nyumbayo. 2014 anapanga zinthu zina ku chikhalidwe chake. Mpaka mapeto a June 2014, pali sankasudzulana chidwi - kuchokera 10.5% chaka. Kuweta chiwongola dzanja cha ngongole kwa Sberbank ndi 12% pa chaka nyumba zatulutsidwa, ndi kutukula kale analowa mgwirizano kwa yokonza malowo Sberbank. Zimenezi n'kopindulitsa onse - banki amalandira borrowers, ndi iwo, nawonso, amachotsera pa ngongole kubweza. Ndipo mapulogalamu ndi amagulitsa mwamsanga pa nyumba zonse mu nyumba yatsopano.

Mbali yaikulu ya mankhwala kubweza ndi:

1. M'badwo wa akazi pasanathe zaka 35.
2. Banja kungakhale mu mndandanda boma la kusintha kwa moyo. Boma limalipira mbali ya mtengo wa nyumba yawo yatsopano.
3. Mwamuna ndi mkazi ayenera kukhala yokwanira kulipira malipiro kubweza ndalama olowa.

Ovomerezeka ku Bank ndi zambiri mwina kwambiri ngati ife musangoganizira ndalama za banja, komanso abale awo. Kukopa sozaomschikov zotheka. The pazipita angapo - 4. Ngati banja ana, kapena satifiketi kupelekedwa ndi "likulu mayi", izo mwayi wanu kwa kugulira nyumba.

mankhwala ena ngongole

Nanga bwanji ngongole galimoto? Ndiyenera kutenga ngongole mu 2014 kugula galimoto? Mfundo mokomera ngongole imeneyi si mphamvu. Makina, monga kuyenera malo, koma mtengo pa nthawi. chiwongola dzanja pa galimoto si kwambiri ndi osiyanasiyana pafupifupi 8 mpaka 15%. Vosmiprotsentny ngongole akhoza analandira kugula galimoto latsopano ena dealerships galimoto, kuyambira chotero maganizo ndi zolimbikitsa akumufuna.

A pazipita chiwongola dzanja 15 Bank ndalama amalipidwa pa muyezo pulogalamu galimoto ngongole. Kuipa kwa zambiri okhulupirika. Chotero, inu mukhoza kugula galimoto ku munthu payekha, kuti ntchito, kapena kugula wina watsopano, koma ku gulu la zopangidwa mtengo. Car mtengo ayenera kukhala oposa 750 zikwi rubles.

Choncho, ngongole kugula galimoto bwino apereke yochepa - zaka zitatu. Ndiye overpayment sadzakhala kwambiri poyerekeza ndi kuchepa mu mtengo wa magalimoto nthawi imeneyi. Chaka chilichonse, ntchito galimoto amatenga pa malonda phindu lake pafupifupi 10%. Malo M'malo mwake, koma ndi okwera mtengo kwambiri pa nthawi. Kuchepetsa ndalama akatswiri ake si kuwoneratu.