Amene mabanki kupereka zanyumba popanda malipiro? Kodi ndingapeze kuti kubweza popanda malipiro?

Angati akanafuna kuti moyo mu nyumba zawo. Koma si aliyense ali ndi ndalama zoti malipiro oyamba. Kodi pali njira zina iliyonse ndipo ngati kubweza ndi zotheka popanda malipiro? The mtsinje wa Moscow panopa ali zosiyanasiyana mapulogalamu kugula nyumba kwa anthu ndi zilakolako zosiyana ndi mphamvu. Choncho, anthu ambiri amachita chidwi ndi nkhani akhoza bwinobwino akulabadira.

The malipiro koyamba. Kodi mukufuna izo? Chiyani?

chakuti malipiro koyamba - kusiyana pakati pa mtengo wa kubweza ngongole ndi katundu anapeza, lomwe ambiri. Koma si onse kudziwa kuti nthawi zambiri, kukula kwake amakhudza chiwongola dzanja cha ngongole ndi. Ang'onoang'ono malipirowo, apamwamba chiopsezo banki ulemu wa ndalama. Ndipo ang'onoang'ono kuchuluka kwa malipiro pansi, ndi apamwamba mlingo chidwi.

Ngati mukuganiza kuti palibe bungwe ngongole sudzapereka ndalama pangozi zoterezi chachikulu, inu mukulakwitsa. Pakali pano, kubweza chenicheni popanda malipiro. Amene mabanki apereke ngongole zimenezi? Izi zidalira pa zimene mapulogalamu muli nazo.

Ndi m'nyumba zawo? Ntchito kugula watsopano! Zanyumba popanda ZOWONJEZERA

katundu alipo angathe kutumikira monga ina kwa zanyumba. Pankhaniyi, inu mukhoza kuyembekezera avareji ndalama osati choposa 70% wa mtengo wake kuyamikiridwa. Kuchuluka chomaliza cha ngongole kudzadalira ndalama wobwereka a.

Amene mabanki kupereka zanyumba popanda malipiro? Chitetezo cha nyumba likupezeka mu "Bank of Moscow" , mukhoza kukonza kubweza kugula nyumba kapena nyumba. Malo lingathe kukopedwa pa onse pulayimale ndi msika sekondale. kuchuluka ngongole - kuchokera 500 zikwi 60% ya katundu ndi ina. Pamene chiwongola dzanja zimadalira kukula kubweza ngongole zimasiyanasiyana mu osiyanasiyana 13,15% kuti 15,25%.

"Rosbank" komanso wotetezeka kubweza ngongole alipo malo okonzeka kupatsa. The "malo ngongole wotetezedwa mwa alipo malo - rr" limakupatsani kugula malo, nyumba, nyumba kapena dziko pa mlingo wa 12.6 kuti 14,1% pa annum. Monga chikole cha nyumba angagwiritsidwe ntchito, nyumba munthu ndi dziko kapena kungoti dziko. kubanki ndi wokonzeka kuti apereke kubweza kwa ndalama osati choposa 80% wa mtengo kuyamikiridwa a ina malo. "Rosbank" - mmodzi mwa anthu ochepa amene kupereka ngongole, kuchuluka amene si chozama kwambiri kuposa mtengo wa nyumba alipo.

Komanso, kugulira nyumba akhoza inakhazikitsa mu "Nyumba Finance Bank", "Svyaz-Bank", "Alfa-Bank" ndi ena ambiri.

Kubweza popanda malipiro ndi riziki zina

Pali kuthekera ina kulembetsa - kupereka monga ina ina.

Kodi ndingapeze kubweza popanda malipiro, kupereka monga ina, monga galimoto? Pa nthawi, izi mabanki alibe zochuluka. Pakati pawo, "Economy Bank", "Bank of Kulumikizana" ndi "BystroBank".

Mu "Gazprombank" ndi pulogalamu "Kupititsa patsogolo maphunziro a moyo." kubweza izi, pamene mupanga zomwe popanda malipiro koyamba, koma lili ndi chinthu chimodzi. Pamene pangano ngongole inu akulonjeza ife kwa miyezi 9 kugulitsa katundu ina ndi ndalama kubweretsa mu ngongole mphambu. Pankhaniyi, kuchuluka sayenera zosakwana 15% kuchuluka kwa nyumba anagula.

processing ngongole pansi amalipiritsa original

Ena ngongole mabanki nkhani pansi zochitika zapadera "kwa ndalama zolowera koyamba." Pa nthawi yomweyo, kulipira ngongoleyo, mudzakhala kulipira ngongole awiri.

Amene mabanki kupereka zanyumba popanda malipiro pansi, kupanga mmalo ngongole owonjezera? Ndipotu, mabungwe amene ali wokonzeka kupereka zanyumba pansi pa ngongole wapadera chifukwa malipirowo pansi, osati kwambiri. Izi ndi "Delta Mawu" ndi "Moscow kubweza Agency". Ndi bwino kukhala ndi mwayi umenewu kufotokozera mlangizi banki, limene mukufuna kukonza kugulira nyumba.

Umayi likulu. Ife ntchito monga malipiro pamene mupanga kubweza ndi

Kuonjezera nyumba vuto, mungathe kugwiritsa ntchito likulu kholo. Banks amakulolani ntchito monga malipiro pa kubweza lapansi. Komabe, si onse mabungwe ngongole ndi wogwira naye ntchito.

Chotero kodi mabanki kupereka zanyumba ndi malipiro pansi, kutenga m'malo likulu kholo? Mwa likulu wotchuka banja ngati malipiro oyamba kulandira mabanki "VTB 24" ndi ndalama (pansi 11% ndipo 14% motero). Banki DeltaCredit n'zotheka kuti kugulira nyumba, kulipira 5% ya mtengo wa nyumba.

Si kale ndi mayi anayamba ntchito likulu mabanki "NomosBank" ndi "Primsotsbank", koma iwo kale anakwanitsa kukopa tcheru, chifukwa zinthu mokhulupirika kupeza kugulira nyumba.

Kubweza popanda malipiro mu chimango cha crediting ŵakwenera

kubweza amenewa akupezeka pa pulogalamu ya kukongoza concessional likuvutika ang'onoang'ono boma. Koma sifikira kuchuluka kwa oposa 10% ya mtengo katundu. Komanso, pulogalamu amalola kupanga ngongole pansi pa mtengo wotsikirapo chidwi.

kukongoza Concessional zotheka pamaso pa kalata yotsimikizira ufulu kulandira ang'onoang'ono mu kukula mwachindunji. chikalata ichi ndi ochokera ku bungwe udindo wa nkhani RF. satifiketi zimenezi zili zoyenera kwa miyezi sikisi.

Pakuti mabanki onse nawo ntchito, pali muyezo mndandanda wa zikalata chofunika pamene ntchito kwa ngongole. Kutenga nawo mbali pa kukongoza concessional n'kofunika zolembera kalata ya 2-DZENJE kwa miyezi isanu ndi umodzi wotsiriza. Kukula kwa malipiro a mwezi sayenera upambana 45% ya ndalama okwana wa wobwereka ndi co-wobwereka.

Amene mabanki kupereka zanyumba popanda malipiro mu chimango cha kukongoza mokondera? ngongole izi akhonza kumupatsa abwenzi AIZhK yekha. Ndipo aliyense dera mndandanda wa mabungwe omwe akutipatsa ngongole kwa aphunzitsi wamng'ono. Sankhani banki bwino pa malo a HMLA.

Zanyumba aphunzitsi wamng'ono

Aphunzitsi amene m'badwo pasanathe zaka 35 akhale woyenera kwa kubweza pansi pulogalamu concessional kukongoza. mlingo pachaka chidwi 8.5% pa kupeza nyumba ndi 10,5% pa kupeza nyumba zawo kapena nyumba gawo yomanga.

Amene mabanki kupereka zanyumba popanda malipiro aphunzitsi achinyamata? Mu Moscow, pulogalamu mndandanda wa zibwenzi kuphatikizapo magombe 'Interkommerts "Bank" Petrocommerce ", JSC" Safe House ", JSC" Nyumba Finance Bank ".