Zikondwerero ndi boma. Rosselkhozbank: mawu ogulitsa, ndemanga

Vuto la nyumba ndilo vuto lalikulu kwa mabanja ambiri achinyamata. Ndipo mwachibadwa! Kodi mungagule bwanji nyumba ndi nyumba, pamene mtengo wa nyumba zogulitsa sizingawonjezereke, ndipo malipiro amakhalabe pamlingo womwewo. Yankho ndi limodzi lokha: pangani nyumba zanu chifukwa cha mapulogalamu a ngongole a mabanki.

Inde, mabanja ambiri akuopa kutenga nawo mbali mu ukapolo umenewu. Pambuyo pake, nthawi zina chiwongoladzanja chiwongoladzanja pa ngongole imamenya malire onse a zomwe zimaloledwa. Choncho, ena obwereka omwe adagula nyumba, monga rubles 3 miliyoni, ayenera kumalipira 5-6, komanso oposa mamiliyoni ambiri. Mwachibadwa, palibe amene akufuna kulipira ndalamazo "ku mphepo".

Dzikoli, likufuna kuthandiza mabanja achichepere kuti akwaniritse maloto awo - kupeza malonda, adayambitsa mankhwala atsopano. Icho chimatchedwa kubwereka ndi boma chithandizo. Rosselkhozbank, osakakamizika kugonjetsa otsutsana nawo ambiri, anafulumizitsa kupereka chithandizo choterechi. Chimene chatsopano, mutha kudziwa zambiri.

Gwiritsani ntchito milandu

Mosiyana ndi mapulogalamu a ngongole, simungathe kugula nyumba mu ngongole ndi boma pothandizira nyumba iliyonse. Choncho, kugula koteroko kungatheke kumalo atsopano (mosasamala kanthu kuti nyumbayo yatha kapena ayi), ngati itagulitsidwa ndi bungwe lalamulo. Ndipo nkofunika kuzindikira kuti ngakhale kukhutira ndi zofunikira ziwirizi si chifukwa chopatsa okhoma ngongole yofewa. Ndiponsotu, ngongole yobwereketsa ndi ndalama zothandizira boma zimaperekedwa kokha pa kugula nyumba zogona m'nyumba zomangidwa ndi wovomerezeka wa boma.

Ngati akuganiza kuti kugula nyumba yogula ngongole kungathandize ndi boma la Rosselkhozbank, omwe angathe kubwereka angadziwe kaye mndandanda wa zochitika mumzinda wawo komwe kugula pansi pa pulogalamuyi ndilololedwa. Kuti achite izi, akufunikira kupita ku webusaitiyi yapamwamba ya bungwe la zachuma, pezani "Tsambali" ya msonkho ndikuyang'anirani zomwe mwalembazo. Chinthu chachiwiri chodziwiratu ndi nyumba zomwe zikupezeka pa ngongole yotereyi ndi kugwiritsa ntchito mwachindunji ku nthambi yokhayokha.

Ubwino

Ndalama zamakampani ndi boma zothandizira Rosselkhozbank sizongowonjezera chiwongoladzanja chokwanira pa ngongole ya kugula nyumba, komanso:

• Mtengo wina wa nthawi yonse yobwereketsa. Zake zazikulu kuyambira 11.3% pachaka.
• Kutsala kwa komiti pa ngongole.
• Kukhoza kubwereka ngongole msanga nthawi iliyonse.
• Kupezeka kwa chitsimikizo cha zomwe mumapeza ndizo zonse za banki.

Ngongole mu "Rosselkhozbank": zikhalidwe zogonjera

Ambiri omwe angakwanitse kubwereka akufuna kudziwa, poyamba, zofunikira kuti apereke ngongole yofewa yogula nyumba. Kotero, iwo ali motere:

Izi ndi zomwe Rosselkhozbank amapereka! Kugulitsa, zochitika ndi ndemanga zomwe ziri zabwino kwambiri, zimakhudza pafupifupi aliyense wobwereka.

Chiwongoladzanja

Malinga ndi ndondomeko yoyenera yokongoza ngongole, ngongole imaperekedwa pa chiwongoladzanja cha chiwongoladzanja cha 11.3% pachaka. Komabe, ngati wobwereka sakwaniritsa zofunikira zina za banki (mwachitsanzo, ngati palibe inshuwalansi yofunikira), wobwereketsayo ali ndi ufulu wokweza chidwicho ndi mfundo zisanu ndi ziwiri. Chotsatira chake, ngongoleyi idzawerengedwa pa mlingo wofanana ndi 18.3% pachaka. Zinthu zimenezi zimaperekedwa ndi Rosselkhozbank!

Ndalama za ndalama zomwe zimathandizidwa ndi boma

Kuti ayenerere kutenga ngongole kuchokera ku Rosselkhozbank, mndandanda wa zilembozi uyenera kukonzekera ndi kuperekedwa kwa wogwira ntchito ku bungwe la ndalama:

• Masewera a mafunso omwe anamalizidwa pamtundu wa banki.
• Chidziwitsocho chikutsimikizira kuti ndi ndani. Ili ndi pasipoti ya nzika ya Russian Federation kapena chikalata chapadera chopititsa usilikali.
• Kwa okongola amuna omwe ali osakwana zaka 27 - tikiti ya usilikali kapena kalata yoyenera.
• Zikalata zosonyeza kuti ukwati ulipo / kupezeka kwa ana.
• Documents kutsimikizira ntchito ndi kupeza ndalama zokwanira.
• Malemba a malo ogula.

Nthawi zina, mabanki ali ndi ufulu wosintha zolemba zofunikira.

Zofunikira kwa obwereka

Choncho, kodi munthu wokongola ayenera kukhala wotani kuti akwaniritse zofunikira za bungwe lotchedwa "Rosselkhozbank"? Zikondwerero ndi boma zothandizira, ufulu wolandira omwe si onse, amapatsidwa kwa anthu ena ozungulira. Choncho, omwe angabwereke ayenera kukwaniritsa zofunikira izi:

• Umsinkhu wa zaka khumi ndi zisanu ndi zisanu ndi zisanu ndi ziwiri. Zaka zapitazi zimasonyezedwa panthawi yomwe malipiro a ngongole akugwiritsidwa ntchito mokwanira. Izi ndikutenga ngongole zaka 60, wobwereka ali ndi ufulu wosankha ngongole yokha zaka zisanu zokha.
• Kukhalapo kwa chiyanjano cha Russia.
• Kukhalapo kwa utali wake wapadera:

1. Miyezi isanu ndi umodzi kumapeto kwa ntchito ndi chaka chimodzi m'zaka zisanu zapitazo.
2. Zothandizira pa khadi la Rosselkhozbank kapena ndi mbiri yabwino ya ngongole izi: Kuchokera pa miyezi itatu kumapeto kwa ntchito komanso kuchokera pa miyezi 6 ya "ntchito" yachiwiri kwa zaka 5 zapitazo.
3. Kwa makasitomala omwe amalandira penshoni pa khadi la banki iyi, lamulo loyenera kukhalapo kwautali wa chaka chimodzi silingagwire ntchito.
4. Nzika, yomwe imatsogolera famu yothandizira, iyenera kupereka zolembera m'buku la kasamalidwe ka boma lakumidzi pokonza zochepa zawo pa nthawi ya miyezi 12 panthawi yopempha ngongole.

• Kulembetsa ku gawo la Russia ndi malo okhala kapena kukhala.

Njira Yothandizira

Malingana ndi msonkho wogulitsa katundu, wobwereketsa adzayenera kulipira ngongole yobwereketsa muzofanana pa nthawi yonse ya ngongole. Ngati mukufuna kubwezera ngongoleyo nthawi yayitali, muyenera kupereka chithandizo choyenerera ndikuonetsetsa kuti ndalama zomwe mukufunikira zikupezeka pa akauntiyi panthawi yomwe mutha kulipira mwezi uliwonse. Kuphatikizana kwakukulu kwa malingaliro mu funso ndikuti palibe ma komiti ena ndi malipiro a kubwezera koyambirira kwa ngongole.

Tsopano izo zimadziwika chomwe chiri ngongole ndi boma chithandizo. "Rosselkhozbank", omwe ndemanga zawo zimakhala zabwino kwambiri, zimakhala zabwino kwambiri, zomwe zimapereka ngongole ya ngongole ngakhale kwa eni eni famu yothandizira. Ndipo uwu ndi mwayi wapadera poyerekeza ndi mabungwe ena azachuma!