Kuchuluka kwa zanyumba nyumba chachiwiri?

Ziwerengero mu 2016 kutumikira Russian Sberbank mtsogoleri chiwerengero cha chikalata ngongole kubweza ndalama chifukwa chikhulupililo cha anthu ambiri. mfundo State Bank mu 2017 umalimbana polenga zinthu zofunika kuonetsetsa kuti nzika mwayi kupeza kubweza ngongole ndi chidwi kochepa.

Zanyumba - ichi ndi chimodzi mwa zigawo zikuluzikulu za dongosolo la ndalama sankakhala asonyezedwa. Pambuyo anasamutsa ndalama kugula malo nyumba kukukhala kubweza (kubweza) a banki monga chitsimikizo cha alipire ngongole. Kuchuluka kwa zanyumba nyumba chachiwiri?

Lingaliro la mlingo chidwi

The Bank amakhazikitsa kuti munthu ngongole chidwi kubweza apatsidwe lililonse. chiwongola dzanja ndi yaikulu chinthu ndalama, osiyanasiyana zawo zimasiyanasiyana 7 mpaka 12% ngongole ndalama zakunja, ndipo 8 mpaka 14% - mu Kuyamikira ndi ruble.

Pamene kuwerengetsa kuchuluka kwa mtengo ndi mokoma zotsatirazi:

1. chinthu. Kupeza malo. Zimenezi zingakhale nyumba kapena m'nyumba, komanso gawo la nyumba kapena nyumba.

2. msika nyumba. Pankhaniyi - yachiwiri. Ndiko kuti, nyumba sichipezeka mu watsopano, si koma anagonja nyumba.

3. The ndalama boma cha mawonekedwe a 2-DZENJE, kapena kalata mu mawonekedwe a banki.

4. Ayenera nthawi. Kubweza akuti wautali kuposa wa ogula ngongole.

5. Chigawo choyamba. Iwo ali ubwino owonjezera mtengo wa nyumba, pamene mlingo chidwi kugwa.

6. Zokwezedwa ndi zotsatsa zapadera.

Chiwerengero cha zanyumba nyumba chachiwiri ndi mkulu, pali overpayment. Motalikira malipiro, ndalamazo wobwereka malipiro. Mwachitsanzo, mu zaka 20 za kubweza ndi analipira mtengo awiri a nyumba ya. Koma ubwino ndi munthu malo awo ndipo analibe kulipira ndalama zoonjezera, lendi chipinda - ndalama anakhala pa malipiro a mamita yake lalikulu.

Kubweza pa msika sekondale: mabanki chidwi

Chidwi sekondale nyumba kubweza mu 2017 kudzadalira zifukwa zotsatirazi:

1. anakonza kukula kwa mlingo m'munsi mwa Bank wa Central. Tsopano 11,5% (kuyambira ku 11,9%).

2. Kuika mu ntchito yatsopano mapulogalamu boma. Kuyambira oyamba mu January 2017 anayambitsa kusintha mu mitengo ya.

3. zinthu Economic.

Zikuyembekezeka kubweza pulogalamu mu 2017 ku Bank ndi ndalama - ndi kupereka yapadera pa pakalibe chigawo choyamba. Anthu amavutika kwambiri kulera ndalama woyamba, ndipo inafunika ndalama zambiri zina inshuwalansi ndi katswiri palokha kufufuza malo.

Mitundu ya chiwongola dzanja

Ambiri ankaona atathana mlingo chidwi. peculiarity awo ndi akhalebe chimodzimodzi akuti onse kubweza lapansi.

Pali mitengo komanso akuyandama kuti zimasiyana mlingo avareji misika interbank zofunika European. Pakatha miyezi sikisi kapena chaka, wobwereka akunena peresenti latsopano phindu.

Pali ophatikizana mlingo, zimene zatsalira zikutsatiridwa kwa zaka zingapo ngongole, ndiyeno chimatsatira yoyandama. mlingo Zimenezi n'zothandiza kuti wobwereka, chifukwa amalola kuti kudziunjikira ndalama pamaso kusintha kwake kwa wina ndi mzake.

Chidwi kuchita masamu payekha aliyense wosuta wa kubweza ngongole, zimene iye ndiye kulipira.

Tikayang'ana ndemanga, mitundu yosiyana ndi osachepera mapulogalamu chiwongola dzanja kwa makasitomala awo kusankha ndalama Bank. Zanyumba nyumba ziwiriziwiri (kuchuluka kwa banki - tikambirana pansipa) - msonkhano mwachilungamo otchuka, amene anthu ambiri amagwiritsa ntchito.

Lingaliro la munda sekondale weniweni

Otchedwa yachiwiri okhala lamulo anatengera ntchito imene kale ntchito kwa anthu enieni moyo.

Ogulitsanso - si chatsopano, ndi malo munthu wakhala, ndi mwini (achilengedwe kapena malamulo munthu) ali ndi ufulu kugulitsa.

"Fund Old" amasangalala chimodzimodzi mu ankafuna kuposa nyumba yatsopano. Ichi ndi chifukwa mtengo angakwanitse kwambiri kwa nzika wamba. Komanso, kugula nyumba koteroko ndi kudya (mpaka miyezi isanu ndi umodzi).

nyumba koteroko kumafuna ndalama zosachepera kuposa yaikulu ya. Izo zimapangitsa kukonza aliyense alipo kulankhulana.

Plus, osiyanasiyana msika sekondale amakhudza kwambiri. Mogwirizana zokonda ndi zofuna za makasitomala.

Chiopsezo yekha ndi kugula katundu uyu - m'pofunika mosamala onani zikalata zonse ndi eni nkhani ndalama zofunikira.

Chiwerengero cha zanyumba nyumba yachiwiri

Ndalama Bank amapereka mwayi kugula nyumba yachiwiri kubweza pa zinthu zotsatirazi:

1. Amakhala. Izo zimatengera pulogalamu panopa. Ndiponso ali ndi ufulu alipire oyambirira.

2. chopereka koyamba (kwa 15 20%). Ikuluikulu malipirowo, mlingo wochepa chidwi.

3. Posachepera ngongole (kuchuluka kwa rubles 300 zikwi).

4. gwero okhazikika ndalama.

5. Zambadwe la Chitaganya cha Russia.

6. A zabwino ngongole mbiri.

7. Kugwiritsa ntchito lamanja la ang'onoang'ono anthu (umayi likulu, ang'onoang'ono mabanja achinyamata, ndalama asilikali ndi kubweza wapadera).

8. yowerengera wa alipire ngongole "kubweza Chiwerengero".

Ngati inu mukukhulupirira Zoneneratu, boma adzapitiriza kuthandiza anthu kusintha moyo wawo.

Purchase katundu yomalizidwa

Sberbank ndiyo kuchuluka zanyumba nyumba wachiwiri kwa 12% pa ngongole yochepa. Limati:

• kuwathandiza kuchuluka kwa pazipita wa - zosaposa 85% ya kuwerengera katundu anagula;

• Mawu a ngongole - zaka 30;

• ndalama loyamba la 20% wa mtengo.

Chidwi mawerengedwe moyo sekondale danga ofanana ndi mitengo mu nyumba yatsopano.

Kupeza njira yako kanjedza adzakhala kuyandikira tebulo chidwi pa nyumba ziwiriziwiri.

Chiwerengero cha zanyumba pa msika sekondale zimadalira ena mokoma:

1. Category wa wobwereka lapansi. Anthu amene simulandira malipilo ku Bank ndi ndalama, ndalama zochepa ngakhale ku 0,5 1%.

2. Kulembetsa ngongole kubweza (anawonjezera wina% 1).

3. Yokakamiza inshuwalansi ya moyo ndi thanzi. Komanso, mlingo ali chinawonjezeka ndi 1%.

kuti adzimvera

Zimene anthu amanena zokhudza ntchito ya Bank ndalama? Chidwi pa ngongole nyumba ndi nthawi poyerekeza kwa mitundu ina ya ngongole, ndi zofunika za borrowers si nthawi zonse mkulu. malipiro yunifolomu ndi zonse atathana chiwongola dzanja nthawi zonse kuwina. Katundu sangathe kuwomboledwa pamaso kukhwima. Peresenti ngongole ya sekondale nyumba Sberbank kochepa (13%).