Kubweza: pazipita alipire nthawi

Zanyumba kwa anthu ambiri m'dziko lathu ndi njira yokha kwa kupeza nyumba zawo. Amaona nthawi yaitali gombe mankhwala amagwirizana ndi mavuto ambiri. Kawirikawiri 10-15 zapitazo chikalata zanyumba. The pazipita alipire akuti aliyense banki ndi osiyana. Muyenera kusankha yoyenera nthawi kulipira kwathunthu kubweza popanda opulukira.

maganizo

ndiwo mawu a kubweza chiyani? Izo wavomerezedwa ndi kutalika kwa nthawi imene makasitomala ayenera kulipira mtengo wa nyumba, ndi chidwi. Mfundozi amaperekedwa mu mgwirizano ngongole. Kasitomala angathe kusankha nthawi imene adzakhala formalized zanyumba. The pazipita alipire nthawi zambiri lalikulu.

Malinga ndi malamulo banki, chindichepere nthawi, m'munsi overpayment. Malipiro pa yochepa m'malo lalikulu, amene amalenga chiopsezo sanali malipiro ngati wobwereka adzakhala mavuto a zachuma. Ngakhale ndi ndalama khola ayenera mumalakwitsa, kapena kuti kutenga ngongole kwa nthawi yaitali. Ngati ndalama idzasowa, ndiye inu mukhoza kulipira kubweza msanga ndi kupulumutsa pa chidwi.

Kuti anapereka mabanki?

muyenera kudziwa Udzakongoza mabanki Russian, ngati n'koyenera, kamangidwe ka ngongole nyumba. ndi yokhala mu komitiyi ya kubweza ku Bank ndi ndalama zimene? Iye ndi zaka 30. Komanso anaika pafupifupi onse mapulogalamu. Ngati inu kusankha yokhala mu komitiyi ya kubweza ku Bank ndi ndalama, ndi kulipira palibe chiwombolo oyambirira, overpayment adzakhala wamkulu. Choncho, muyenera kuganizira bwinobwino pamaso kulembetsa.

mabanki zina anapereka yokhala mu komitiyi ya kubweza lapansi. VTB 24 amapereka kuti apereke nyumba ngongole kwa zaka 50. Siyense bungwe ngongole kupereka zinthu zimenezi. Ndondomekozi anapangidwa kwa ogwira ntchito achinyamata ndi makolo achinyamata zaka 25-35, chifukwa iwo kuthandiza kupeza ndalama kwa ogulidwa malo pa mlingo wa m'thumba.

ndi yokhala mu komitiyi ya ngongole kwa mabanki ena chiyani? Ena a mabungwe a kupereka kulandira ngongole ya zaka 30-35. Mu "Raiffeisenbank", "Promsvyazbank" amagwiritsidwanso chikalata kubweza. The pazipita alipire nyengo ndi zaka 25 kumeneko. Mu "Rosselkhozbank" ndi "Gazprombank" Iye ali zaka 30.

mitengo

Malinga nthawi ya siyana mlingo. The Russian mabanki izo ranges kuchokera 11 mpaka 16%. kukula kwake kudzakhala zikuluzikulu ngati pali malipiro. Palinso pulogalamu pa chuma chimene chili chofunika kupereka osachepera zolembedwa. Ndiye mlingo kungakhale 18%. Ndi nawo adzakhala angakonze kubweza pa mitengo otsika chidwi boma - 8-14%.

zofunika

Kukonza kubweza, inu zofunika kuzikwaniritsa:

• zaka 21;
• nzika ya la Russia;
• kukhalapo kwa ndalama boma;
• kulembetsa mpaka m'badwo pantchito;
• m'masiku otsiriza gawo malipiro palibe pasanafike zaka 75.

zofunika zingasiyane aliyense banki. Nthawizina inu kutsimikiza zinachitikira miyezi 6 pa ntchito yomaliza. Ngati kasitomala ali katundu, zikuthandizani kukonza kugulira nyumba. katundu ntchito monga ina.

Chinthu chofunika a mabanki imatengedwa zabwino ngongole mbiri. Ngati inu kale ochokera ngongole, koma salipidwa mu nthawi yoikidwiratu, mwina kukanidwa. Popeza nkhani zimenezi zingachititse kukana ntchito. Nthawi kukhala ndi guarantor, kotero kuti mu nkhani udindo sanali malipiro ankadutsa izo.

Iliyonse akuti amasankhidwa, mapulogalamu ambiri ayenera kulipira chigawo choyamba. Zimakhala mu osiyanasiyana 10-25% ya mtengo kugula. Nthawi zambiri, muyenera ndimasewera chuma, mwachitsanzo ku 25 chikwi. Rubles. Kwakukulu kuchuluka kwa malipiro a, ndi apamwamba mwayi chotenga kubweza, ndipo wamkulu kuchuluka chikalata. Mogwirizana zina ndalama: bizinesi podrabotok, chuma yobwereka.

nthawi yochepa

Kubweza ngongole ndi linapereka nyengo ya 1 chaka. Zochita ngongole pachaka pafupifupi sizikhudza. zifukwa monga:

• malipiro zazikulu;
• ziwawa;
• makonzedwe a ukutitsimikizira kuonetsetsa obwezeredwa.

Ngati pali nthawi zonse ndi ndalama kwambiri, n'zotheka kutenga katundu ngongole kwa kuchuluka chosowacho. The sangathe la mgwirizano yochepa ndi vuto kulamulira nthawi ndi ntchito ya malipiro oyambirira. Wobwereka ayenera kulipira ndalama zambiri mwezi uliwonse.

Makasitomala ayenera kuganizira:

• chiopsezo revenues yafupika;
• Mwina ntchito yatha;
• zina ndalama;
• kusowa kukula ndalama;
• kufufuma.

Pa zinthu izi, n'zovuta kuti ndalama. Choncho, muyenera kuganizira kuwayika mgwirizanowo. Kuphwanya ndandanda ya malipiro zidzakhudza ngongole wanu mbiri, nchifukwa chake m'tsogolo silingakhale ofunsira naye. Kuchepetsa chiopsezo mabanki azipereka kuti apereke inshuwalansi.

ndiwo mawu amene mungasankhe chiyani?

Funso limeneli ndi lofunika kwa borrowers ambiri. Wapakati nthawi ya zaka 10-15. Monga Tingaone ziwerengero, ichi ndi chokwanira kwa kulipira ngongole. Poyerekeza ndi Western ndi American makasitomala, amene amalizitse ngongole kwa nthawi yaitali, ku Russia amakonda kuchotsa ngongoleyo. Pali zifukwa monga overpayments - mu US mlingo ndi 1-2%, pamene chithunzi Russian ndi 12-15%, kotero mu zaka 30 anabereka overpayment lalikulu. Izi ndi zosiyana m'mayiko osiyanasiyana kubweza.

The pazipita alipire akuti amalola wobwereka kusankha nthawi ankafuna. Choncho m'pofunika kuganizira nsonga zotsatirazi:

• chiopsezo kuchedwa kwa nyengo yaifupi ndi mkulu, ngati vuto la ndalama adzakhala poipa;
• posankha yaitali, ngongole akhoza analipira pasadakhale tsankho malipiro, kuchepetsa overpayment komaliza;
• prepayment tsopano mabanki ambiri popanda zilango ndi chindapusa.

Overpayment pa mawu osiyana

Iwo likukhalira kuti yokhala mu komitiyi ya kubweza ku Russia aliyense banki ndi osiyana. Ngati inu kusankha yaitali, ndi overpayment adzakhala. Mwachitsanzo, ngati inu kupeza ngongole kwa rubles 1 miliyoni kwa zaka 5 pa 13%, ndi overpayment adzakhala 360 000 rubles.

Pamene mgwirizano ndi linapereka zaka 15, overpayment adzakhala 1.3 miliyoni rubles, ndi mlingo wa 13.5%. Chifukwa cha zimenezi, kupeza kubweza ndi bwino kwa nthawi yaifupi. Choncho m'pofunika kuganizira awo malo chuma, pamaso kubweza adzakhala chikalata. The pazipita nthawi alipire akhoza anasankha, koma muyenera kuyesera kupereka pasadakhale.

prepayment

Kumvera pasadakhale bwino pa chiyambi cha nthawi imene accrued chidwi. Pankhaniyi m'pofunika kuchepetsa yaikulu chifukwa chidwi wapatsidwa pa muyezo. Mu theka lachiwiri la alipire wa prepayment sizidzakhala noticeable.

Ngati inu mukudziwa kuti padzakhala oyambirira alipire Mwachitsanzo, atalandira kholo likulu kapena ang'onoang'ono kulembetsa achinyamata banja, izo m'pofunika kuti angakonze kubweza kwa nyengo yaifupi. tsiku lomalizira malipiro adzasankhidwa pamaziko a mwaimvetsa ndalama.

Kusintha malipiro ndandanda

Ambiri chidwi ndi mlandu pa chiyambi cha kamangidwe, ndiyeno amapita kwa malipiro a yaikulu. mabanki Russian zambiri kupanga malipiro annuity. Choyamba, kulipira chidwi, kenako ngongoleyo. Ngati ndinu alipire oyambirira, izo zimasiyanasiyana kuchuluka kwa ngongole. Ngati malipiro tsankho kusintha ndandanda ya malipiro.

Kawirikawiri zoperekedwa kwa makasitomala:

• kuchepetsa nthawi ya ngongole ndi malipiro a akanali yemweyo;
• kuchepetsa malipirowo, kusiya kwa miyezi ingapo.

Ngati malipiro oyambirira, nkwabwino koposa - kuchepa nthawi kapena ndalama? Mbali yoyamba katundu mwezi si yafupika, ndi kuchuluka adzakhala zochepa chifukwa yochepa. Yachiwiri kumaphatikizapo kuchepetsa ndalama.

Pamene opindulitsa kuchepetsa yochepa

Chifukwa chobwezera oyambirira 50-100 zikwi. Rubles yafupika moyo kwa miyezi ingapo. Ngati inu mumawerengera onse ngongole Chiwerengero, ndiye limodzi oyambirira alipire akuti n'kopindulitsa kuchepetsa. Popeza kuchuluka kwa malipiro zidzakhala chomwecho, overpayment adzakhala ang'onoang'ono.

Akatswiri kuti kunja kubweza kwa nthawi pazipita ndipo ngati n'kotheka kulipira pasadakhale. Izi kusunga nyumba, ngakhale overpaid pang'ono. Kudziwa bwino kuti amalizitse ngongole patsogolo ndandanda kapena ayi, tiyenera zochokera kwanuko. M'pofunika kuganizira kufufuma, ngati ndalama ndi opanda pake. Pa mlingo mkulu akulangizidwa kuti kulipira ngongole patsogolo ndandanda, ndi kugula katundu.

Pamene n'kwabwino kulipira pasadakhale?

Ngati kubweza ndi lathuli kwa nthawi yaitali, ndi bwino kusankha alipire kumayambiriro kwa chaka choyamba. Izi kwambiri kusunga. Ngati palibe ndalama zoonjezera kulipira, m'pofunika kuzimitsa kubweza ndi mkhalidwe chololera ndi mgwirizano ndi banki. Mwachitsanzo, Bank ndalama Kusonyeza kuti malipiro oyambirira n'zotheka pambuyo pa miyezi 3 pambuyo malipiro oyamba, chifukwa si kopindulitsa alipire mofulumira. mabanki ena ndi zofunika zawo. Koma mwamsanga ngongoleyo, wamkulu adzapulumutsa chiwongoladzanja.