Zanyumba kumangira nyumba payekha. Momwe kubweza ndi: sitepe ndi sitepe kalozera

Chotero banki akuti kugulira nyumba, kukhala mbali ya moyo wathu. Masiku ano, anthu ambiri mabanja achinyamata sikokwanira amagula nyumba zawo popanda ndalama yobwereka. Pakali pano, ena simukufuna kugula bokosi pafupi m'makoma imvi mumzindawo. Kumanga nyumba zawo - njira dzi. Koma kubweza kumangira nyumba payekha - chinthu chachilendo kuti chimayambitsa mafunso ambiri. Tiyeni kuyesetsa kuwamvetsa.

Kumanga nyumba kapena kugula okonzeka zopangidwa analimbitsa mamita konkire mu mzinda?

Kusintha nyumba m'matawuni nyumba payekha mu dela la mzinda - njira kupulumutsa pa mabwalo wowopsa ndipo tichotse anansi zosasangalatsa ndi kubowola khoma. Ndipo ichi si ubwino onse a m'nyumba ya munthu. Tiyeni tikambirane kuti:

• Ndi palibe chinsinsi chimene za chilengedwe mu mzinda. Ndi doubly kunyoza ntchito zanyumba kugula nyumba, ndiye kulipira poyizoni tsiku mpweya chakupha ndi wosatha fodya wochokera stairwell lapansi. Mpweya wabwino mu dziko - kuphatikiza lalikulu kwa anthu amene amasamala za thanzi la m'badwo kukula.
• Ine ndisanapite ku msika nyumba, nyumba zikuchitika pa mphepete mwa intermediaries 2-3. Izi zimapangitsa mtengo prohibitive. Price pa lalikulu pafamu kukakhala nthawi 2 m'munsi, ngakhale inu kutenga kubweza pa nyumba.
• Pamene akukonzekera kunyumba kumene kumwa mwauchidakwa zapamwamba. Kuwonjezera pa nyumba, mukhoza kumanga gazebo, bungwe dziwe kapena dziwe. The nyumba - kuyesera yekha ndi kukonzanso ndi mamangidwe mkati.

Kodi kuchita ngati mulibe ndalama?

Ngati banja wamng'ono anaganiza zopita ku m'tawuni konkire mamita lalikulu kwawo, tiyenera kukhala okonzeka ndalama ndithu. Yomanga - choncho si wotchipa. Ndipo aliyense mabanja ambiri m'dziko lathu angakwanitse chosangalatsa choterocho. Kodi ndingapeze ndalama eni nyumba?

Pali njira zingapo:

• kutenga ngongole ya yomanga m'nyumba;
• kuti apereke palibe-cholinga ngongole wotetezedwa mwa alipo malo ndi ntchito ndalama zomangira nyumba;
• kuti apereke ogula ngongole.

Taganizirani mwatsatanetsatane njira yoyamba. ndi mokoma ndi kuvuta kwa kubweza pa nyumbayi chiyani? Kodi zinthu poyera obwereketsa borrowers?

zodzinenera mabanki '

Zanyumba kumangira nyumba payekha - chochitika yowopsa kwa gombe. Ngati chinthu si udzatha, ndi chodziwikiratu kuti ankaona madzi. M'mikhalidwe osauka, ngati wobwereka a mwadzidzidzi sangathe ngongoleyo zonse ndipo amafuna kukhazikitsa ina wobwezera ngongoleyo banki sadzatha kugulitsa chiwembu ndi anayamba kumanga.

Choncho, obwereketsa kusakhulupirira kwa kubweza amenewa. Iwo anapereka yekha m'mikhalidwe wapadera ndi makonzedwe patsogolo mu mawonekedwe a ina ndi / kapena chitsimikizo. Komanso, magombe zakonzedwa mwachilungamo kuyeza amafuna kuti borrowers m'tsogolo. Komanso ina ya. Kwenikweni, ambiri a iwo ofanana mankhwala. Pali yekha ena kusinthasintha mu malangizo kapena wachibale zaka malire kapena makhalidwe ena a kasitomala. Kodi magawo anafotokozedwa kwa mtsinje? Nawa angapo zinthu:

• Pakuti wobwereka ndi guarantors ake - zaka, mtundu wa ntchito ndi mkulu, dziko ndi malo okhala.
• Pakuti ina - phindu, mtundu wa ntchito, maonekedwe, chiyero malamulo, pakalibe encumbrances ndi zoletsa zina pa zosangalatsa zonse za cholinga chake.

Komanso, banki Pakufunika zolembedwa cha kukhalapo kwa malipiro koyamba ndi lipoti pa ntchito moyenera ndalama operekedwa ndi ngongole.

Kuchuluka ndi ngongole akuti

Aliyense bungwe ngongole unakhazikitsidwa kuchuluka kwa ngongole crunch. Izo zimatengera osati pa ndalama okwana wobwereka ndi achibale ake, komanso pa phindu la ina ya. Childs, banki ndi ndalama mtengo wa zomangamanga kuchuluka kwa 20-85% ya chonse pamodzi. Zanyumba kumangira m'nyumba ndi linapereka nthawi ya zaka 5 mpaka 30. Ena mabanki angathe kupereka ndi wautali. Ndiye wobwereka mukhoza zabwino kwambiri malipiro apamwezi. Komabe, ndi bwino kuganizira kuti chiwerengero cha overpayment ndi chifukwa chake chidzakhalapo yabwino.

chiwongola dzanja

Kudziwiratu pasadakhale chiwongola dzanja ndi zovuta, ngakhale ife tikulankhula za banki makamaka. Khalidwe limeneli amadalira angapo mikhalidwe - moyo, pansi kukula malipiro. Ena obwereketsa amafuna kuchotsera kwa makasitomala amene kale kale wobwereka, kapena pa mphindi. Kumene, ngati tikulankhula za munthu kulowa amene salola delinquencies.

Kuchepetsa chiwongola dzanja tingayembekezere anthu amene malipiro mu anasankha khadi banki, komanso ogwira ntchito m'boma. Pambuyo pa mapeto a zomangamanga, pamene nyumbayo anasankhidwa ndi udzapereka, ndi wokongoza ndi okonzeka kukuthandizani kuti pakafukufuku. N'chifukwa chiyani mabanki kupita analoleza zimenezo? Chinthu chimene chimachita zinthu pamwamba limasonyeza kudalirika munapangana ndipo kumachepetsa ngozi ya gombe.

Kuti mawerengedwe yankhaza, m'pofunika kukaona malo a bungwe ngongole. Ndipo mu "kubweza" kupeza pulogalamu ngongole kuyesa otchedwa kubweza Chiwerengero yomanga. Iye adzatiuza mlingo pafupifupi chidwi, malipiro mwezi ndi overpayment.

zikalata Amafuna

Musadabwe kusabvala phukusi la zolembedwa, yokulirapo kuposa chofunika ndi ochiritsira ogula ngongole. Kubweza ikukhudza issuance wa banki ndalama zambiri kwa nthawi yaitali. Ndipo nthawi zonse pangozi yaikulu chifukwa bungwe ndalama. Ngakhale yowopsa kwambiri imatengedwa kuti cholinga chenicheni cha kugulira nyumba - yomanga. Inde, mu nkhani ya banki yosatha akhoza anachoka ndi kanthu. Choncho ndikofunikira kusonkhanitsa chifuniro mu nkhonya, kuti tipeze mapepala onse ndi kuthandiza kupeza zimene mukufuna.

Amafunikira kwambiri zikalata izi:

• Mapepala zokhudza wobwereka ndi guarantors ake / sozaomschiov - umboni kuti iwowo ndalama, zikalata pa maphunziro ndi chuma chawo. Bank ntchito - kudziwa luso kulipira ndi udindo wa makasitomala, kotero katswiri kuitanitsa angapo zikalata zina.
• Documents pa ina ya. Nthawi zambiri ambiri sheya mu mndandanda wa zotumphukira si m'manja mwa makasitomala, ndi kuwasonkhanitsa msanga - sichinthu chapafupi. M'malo pester Rosreestra ndi BTI ambiri amakhulupirira kuti akatswiri thandizo.
• mawu Akaunti ndi zikalata zina, natsimikiza pamaso pa malipiro koyamba.
• Nyumba mamangidwe zina zachidule, buku la pangano ndi kampani inayake ya zomangamanga, amati kumanga nyumbayo.

mawu kukongoza

Pamaso pa zochitika za 2014 dongosolo monga zanyumba kumangira nyumba payekha, anali ambiri mu mabungwe ngongole ya dziko. Lero amapereka ochepa a mabanki. Choncho, tikambirana zinthu kukongoza Sberbank chitsanzo. Ali kutali zambiri amagwirizana ndi wotuluka amenewa:

• ndalama Loan - Russian rubles yekha.
• kuchuluka Loan - .. tsa 300 zikwi, koma osapitirira 75% kufunika kwa ina ya.
• Malipiro - kuchokera 25%.
• Loan akuti - kwa zaka 30.
• chiwongola dzanja - kuchokera 13,25%.

Dongosolo lonse lidzaonekera kwenikweni?

Nthawi zambiri, borrowers akukonzekera kupeza ndalama ngongole zomangamanga zoipa kulingalira dongosolo lonse. Ambiri kudalira Kutengera ntchito, ngati pali mabuku awiri. banki ndidzapempha zina kupatula satifiketi kugwiritsa ntchito malo. Ndipo pasanathe maola ochepa kapena masiku, wobwereka apeza manja anu pa ndalama.

Mwatsoka, zinthu siziri mophweka. Zanyumba, chirichonse cholinga si kuthamangitsa, amafuna cheke bwino wobwereka ndi ina. The Bank ayenera kuchepetsa angathe kuopsa kwa onse kasitomala ndi bungwe lokha. Komanso, ntchito anafuna ndalama kumapereka lingaliro la kukhalapo kwa malipoti, ndi ndalama palokha ndi kawirikawiri alembedwe ndalama.

Kodi mfundo zikuwoneka ndondomeko ngongole ngati kubweza kumanga nyumba? Sberbank Mwachitsanzo, akhoza kupereka chiwembu zotsatirazi mgwirizano pakati pa gombe ndi kasitomala:

• Wobwereka amapereka zikalata zawo ndi mapepala guarantors. Pa nthawi imeneyi, gombe chiganizo pa kuthekera mgwirizano ndi kasitomala.
• Collection zolembedwa pa chuma. zikalata anasonkhana zimatumizidwa ku banki la polojekiti malamulo. Komanso, makalata a malo zofunikira za maonekedwe a Bank wa.
• Chuma akudutsa kuwerengera wa banki zatulutsidwa makampani maganizo.
• kasitomala ndi chinkhoswe mu dongosolo ntchito kunyumba, kusainira yomanga mgwirizano. The Bank ali kunatanthauzanso mtengo Chiyerekezo kudziwa zinafunika ngongole ndalama. Izi zikalata wobwereka tifika osankhidwa awo kampani inayake ya zomangamanga, ndiyeno kusamutsa akatswiri bungwe ndalama.
• Ngati njira m'mbuyomo akhala anamaliza bwino, maphwando chitani mapeto a pangano ngongole.
• Kumanga ngongole ikukhudza imposition wa encumbrances pa dziko, kotero iwe uyenera kutaya nthawi zina pa zolembalemba mu Rosreestra. Pa tsiku chiphaso cha umboni latsopano banki atumiza gawo loyamba la ndalama yomanga.
• Wobwereka amapereka lipoti pa gawo loyamba la ntchito anafuna ndalama ngongole.
• The Bank ikupereka gawo lachiwiri la ndalama pa.
• Wobwereka anatsiliza kumanga nyumba ndi kumapanga monga chuma yotsirizidwa. Pambuyo pake, chikolecho akukhala malo kwa malo. The chiwongola dzanja pa ngongole ya pambuyo akupitiriza kuchepetsa.

Kodi ndingatani m'mavuto?

Kwa malipiro bwino kwambiri, ena mabanki kupereka ndondomeko ndi monga amodzi a malipiro a yaikulu. Wobwereka kwa nthawi yaitali zaka 3, amatha kulipira okha chidwi accrued kuchuluka ngongole. Ichi ndi yabwino, chifukwa nkotheka zina ndalama pa ntchito yomanga, amene angathe kwambiri kugunda pa bajeti. Komanso, kupereka chachikulu, mungathe kugwiritsa ntchito likulu kholo. Za kuti zimenezi ndi kufunsa asanafike inu ntchito kwa ngongole. Ngati kubweza ndi tikukonza zina mabanki amafuna malipiro, nayenso, ntchito kalata imeneyi.

Cholinga ngongole wotetezedwa ndi malo alipo

Mtundu wa kukongoza alinso kubweza, ndi zotsatira zake. Pajatu analandira monga chuma ina, kutanthauza kuti banki ayenera kusamalira kukwaniritsidwa kwa chinthu zinachitikira sanali kupereka ngongole kwa.

Ubwino kukongoza ngati palibe kufunika lipoti akhoza zimachitika ntchito anafuna wa - wobwereka ali ndi ufulu kutaya ndalama nokha. Komanso kubweza aliyense, izi zimapezeka ndithu nthawi yaitali.

Wa minuses - ndi milu chomwecho zolembedwa pa kalembera, ndi nthawi ya ndondomeko yokhudza ntchito ndi issuance a ndalama. Komanso, pamene angapo ukuwonjezeka asamadye mlingo. Kwenikweni, obwereketsa ndi okonzeka kupatsa kwa kugwiritsira ntchito zosaposa 50% kufunika kwa ina ya.

Kodi n'zotheka kuthetsa vuto katundu ngongole?

Mogwirizana ndi zinthu pamwamba pa kubweza ku nyumba, wamba ogula ngongole chingaoneke ngati njira yosavuta kupeza ndalama zofunika. Choyamba, banki sadzakhala younikira ntchito ndalama. Chachiwiri, wobwereka sayenera kusonkhanitsa ndi phukusi chidwi a zikalata ndi kubatizidwa njira zina. The ndalama angathe kutenga tsiku lomwelo polemba 2-3. Koma njira imeneyi ali ndi zovuta zake:

• Kuchuluka kwa ngongole ochiritsira kawirikawiri upambana oposa 1.5 miliyoni rubles.
• Ogula ngongole zapatsidwa kwa nyengo yaifupi, mpaka zaka 5 kwambiri. Big ngongole kuchuluka adera malipiro zikuluzikulu, zimene palibe aliyense. Inde ndipo adzakhala ndi udindo waukulu mu zovuta nthawi yomanga.
• Banks ambiri anapereka mkulu kuchuluka pa ngongole ochiritsira. Zanyumba chikutanthauza wapita patali patsogolo. M'malo mwachizolowezi 22-24% ndi mwayi kuti okwana 15% pa annum.

Ogula kukongoza zikuwoneka yabwino, koma osati njira kopindulitsa kwambiri kuti apeze ndalama kusowa kwa ntchito yomanga. Izi njira ndi oyenera anthu amene akufuna kuchita yomanga nyumba mwapang'onopang'ono, kapena kale mbali zofunika zomangira. Pomaliza, mwina zidzawonjezedwa kuti zinthu mabanki angathe kusintha zambiri. Choncho, musanayambe kusankha aliyense wa bungwe ngongole, ayenera panokha kufunsa aliyense. Kumanga ngongole - kuipidwa ndi yaitali, koma mapeto cholakwika ntchito ndi kuyembekezera.