Kodi bwanji ndi ubwino kubweza ndi: sitepe ndi sitepe malangizo, ndi zikalata zofunika ndi ndemanga

Kupeza ndalama za zaka zapitazi ndi osauka. Chifukwa chosowa ntchito za malipiro ambiri, mabanja ambiri sangathe kugula nyumba zawo. Zimapangitsa anthu ena kupulumutsa kwa nyumba kwa zaka, azungu lendi nyumba, ena amafuna thandizo ku banki. Kodi kopindulitsa kutenga kugulira nyumba? Choyamba, m'pofunika kufufuza maganizo a mabungwe otchuka ndalama.

ndi kubweza chimene

Makampani ambiri yomanga tsopano kugwirizana ndi mabanki malonda ndi ena otchuka mabungwe a zachuma. mogwirizana amenewa ndi opindulitsa ku mbali zonse ziwiri. Nyumba ngongole - ndi mwayi kulowa ndikupeleka kwa onse anaumanga ndi banki. Kuwina ndi kasitomala, amene, wopanda ndalama, akhoza kusuntha mu nyumba anagula pa ngongole.

Kubweza - mtundu wa crediting. The chikhalidwe chachikulu apa ndi kulembetsa kwa malo, amene wogulitsidwa mgwirizano, belo. Izi inshuwalansi zowonjezera magulu onse ndikupeleka. Ngati kasitomala chifukwa ena sangathe ngongoleyo, nyumba mu malo a banki. Zotsatira - palibe munthu wina asadziyerekeze. Kodi yopindulitsa kwambiri kutenga kubweza kapena ngongole? Njira yamasika zovomerezeka pankhani kugula nyumba kapena nyumba.

ndi mokoma muyenera kudziwa zimene

ngongole iliyonse - ngongole imeneyi. Choncho musanayambe kulemba pangano ndi bungwe la ndalama, m'pofunika kufufuza mawu ake. Choyamba ndi ofunika powasamalira mlingo chidwi, ganizirani pamaso pa malipiro kubisika. zolozerazi adzakhala kwenikweni zimakhudza kuchuluka kwa overpayment ngongole ya. Kodi yopindulitsa kwambiri kutenga kugulira nyumba? Kodi kulabadira maganizo amene amati n'zotheka alipire oyambirira ngongole popanda chilango chilichonse.

kusamalidwa ayenera kutsatira posankha ya gombe, amene kenako adzakhala tagwirizana. Ubwino kunja kubweza ndi mabanja achinyamata angathe kukhala mu ndalama Bank. Terms ndi zinthu adzakhala pansipa. Nthawi zambiri, ndi osafunika kulowa mgwirizano ndi bungwe la ndalama, amene umagwira ntchito pa msika pasanathe zaka 5.

Mfundo ina yofunika, omwe ndi ofunika powasamalira - ndalama okwana banja. Kutenga ngongole motsutsa adzalephera ngati pafupifupi osachepera malipiro pansi mgwirizano adzakhala upambana 40% ya chithunzi ichi.

banki ndalama

Izi bungwe ndalama lero ndi mtsogoleri kubweza kukongoza. Malinga ndi Bank zinthu zingakhale kugula katundu m'nyumba kusasanyiwa, ndi pa siteji ya nyumba. Kodi kopindulitsa kutenga kugulira nyumba? M'pofunikanso powasamalira mfundo mothandizidwa ndi boma. Mfundo zabwino ndi kuti iwowo analengedwa mu rubles. Choncho, overpayment ngongole sadzakhala nazo kwa mlingo kuwombola.

Khalani kasitomala wa kubanki aliyense Russian nzika amene mfumukazi zaka 21. mgwirizano Ndizachidziwikire kuti nthawi ya zaka 1 mpaka 30. Ziyenera adzanyamula kukumbukira kuti yaitali makasitomala adzakhala ngongole kubanki, wamkulu pangafunike overpayment. Pa nthawi yomweyo yochepa akubwereketsa kuposa osachepera malipiro mwezi kudzakhala. mlingo pachaka chidwi - 11,4%. Chofunika ndi zopereka koyamba osachepera 20% wa mtengo okwana chuma. Kodi kopindulitsa kutenga kubweza mu "Ndalama Bank"? Kuwonjezera kuchuluka kwa malipiro!

"Tinkoff Bank"

Ofuna chiyani yopindulitsa kwambiri kutenga kugulira nyumba, muyenera khutu ku maganizo a bungwe ndalama. Mfundo yakuti "Tinkoff Bank" amapereka ndalama pachaka chidwi pa ngongole pa mlingo wa 10,5%. nthawi ngongole n'chimodzimodzi ndi mmene zinalili m'mbuyomu - zaka 30. Chobisika Commission palibe. Wamkulu kasitomala mukhoza kupanga zambiri chifukwa kugula nyumba osati yaikulu, komanso mu msika sekondale.

"Tinkoff Bank" ali ndi yabwino Intaneti thandizo. Nyumba iliyonse mukhoza kukawerenga mfundo zawo ndi kugonjera ntchito zanu cha ngongoleyo. Ngati bungwe ndalama amavomereza pempho lanu kokha kusonkhanitsa zikalata zofunika ndi kupita ku ofesi yapafupi ya banki, kusainira mgwirizanowo. Komanso, tsamba lovomerezeka ali chothandiza Chiwerengero ngongole kuti amalola kuti Pre-kuwerengetsa mmene kopindulitsa kutenga kugulira nyumba.

"Oyamba"

The bungwe ndalama wachinyamata. Ngakhale izi, chiwerengero cha makasitomala zikuchulukirachulukira chifukwa cha zinthu zabwino ngongole. Overpayment pansi mgwirizano kudzadalira chopereka koyamba. ndi kubweza zambiri zaphindu kutenga banja wamng'ono chiyani? Kodi amachita wokongola kwambiri pa nyumba pa nyumba yatsopano. The bungwe ndalama amapereka mlingo wa 11,3%. Kupita patsogolo kuchuluka ayenera kukhala osachepera 20%. Mtengo wa nyumba sangakhale oposa 8 rubles.

Anthu amene akufuna kugula nyumba msika sekondale adzatha kunena mgwirizano ndi mlingo wa 12,75%. Pankhaniyi, malipiro koyamba ayenera kukhala kale pa mlingo wa 30%. The pazipita ngongole akuti - zaka 30. Likulu umayi angagwiritsidwe ntchito ngati malipiro.

webusaitiyi banki akhoza zimagwilanso nchito kwa ngongole kubweza, kapena kuwerengera mtengo woikidwiratu.

"Trans Capital Bank"

Tikamaphunzira funso limene banki lipindulitsa kutenga kugulira nyumba, amakambirana Muscovites zikusonyeza kuti ambiri amapereka zinthu wokongola "Trans Capital Bank." Aliyense angathe kugula katundu m'dera zogona "Uspensky kotala" basi pansi 8%. Umodzi opanda - yochepa ngongole mawu. Zanyumba akhoza chikalata zaka 8 zokha. Amenewa mwatsatanetsatane adzakhala yabwino kwa anthu amalandira ndalama zambiri.

"Trans Capital Bank" amapereka kugula malo mu msika sekondale ku 11,9% pa annum. Loan akuti - zaka 25. The pazipita ndikupeleka kuchuluka - 20 miliyoni rubles. The malipiro koyamba sayenera zosakwana 20% wa mtengo ina katundu. Reviews zikusonyeza kuti pa siteji iliyonse ya kuthekera alipire oyambirira ngongole popanda chilango chilichonse.

The bungwe ndalama amapereka ntchito likulu kholo monga malipiro. Pankhaniyi, malipiro pasadakhale uyenera kulipiridwa m'miyezi 3 kuchokera tsiku ndikupeleka.

"Promsvyazbank"

Izi bungwe ndalama lero opambana mawu ngongole yabwino kwambiri, malinga ndi ndemanga. Kuti tagwirizana, makasitomala ayenera kupereka deta pa malo ovomerezeka a ntchito, kutalika kwa anakhala zomwe sizingakhale miyezi yosakwana 4. Kodi kopindulitsa kutenga kubweza kwa nyumbayo? Onse inu muyenera kuchita ndi kukaonana ndi pasipoti Russian, ndi chizindikiritso m'buku yapafupi nthambi banki. Mlingo wotsikitsitsa (5.99%) adzapatsidwa mwayi kwa anthu amene akufuna kugula nyumba ku nyumba yatsopano. Kuvomerezedwa chofunika - zaka wobwereka pa nthawi ya mapeto a mgwirizano zaka 21. Choncho pakafukufuku chidwi anapereka yekha makasitomala amene anali ndi zaka zopitirira mu "PSB".

Makasitomala amene poyamba amafuna thandizo ku bungwe la ndalama, adzapatsidwa mwayi mtengo wa 11,4% pa annum, anapereka kupeza nyumba kumsika pulayimale ndi 12% anapereka kunyumba ogula msika sekondale. The pazipita ngongole akuti - zaka 25.

"Rosselhoz banki"

Mfundo za bungwe ili ngongole kukhala ndi yopindulitsa kwambiri. Pa nthawi yomweyo banki akutenga malo chachinayi mu mawu a zodalirika, malinga n'kuŵerengera Bank wa Central. Mlingo kwa kubweza chimadalira pasadakhale, zomwe zimachititsa kasitomala. Kotero pamene inu kulipira oposa 50% ya mtengo choyambirira pa chuma udzakhala kuchuluka pachaka pa 11,5. The osachepera malipiro pa chikhalidwe banki la - 10%. Pa nthawi yomweyo chiwongola dzanja pachaka adzakhala pa mlingo wa 12.9%. The pazipita ngongole akuti - zaka 30. ndikupeleka akhoza anamaliza kwa ndalama okwana rubles 20 miliyoni.

Kodi kopindulitsa kutenga kugulira nyumba? Reviews zikusonyeza kuti, kuwonjezera malipiro chidwi pasadakhale, izo zidzakhala zofunikira komanso kutsimikizira ndalama zawo. Bank mosamala amayankha ndi creditworthiness makasitomala. Taganizirani ntchito kuti kalembera wa ndikupeleka pa kubweza bungwe ndalama kwa masiku 5 ntchito.

Kodi bwanji ndi ubwino kubweza ndi: sitepe ndi sitepe kalozera

Anthu amene akufuna kugula nyumba pangongole, ndi zochitika izi:

1. Kufufuza maganizo a mabungwe otchuka ndalama kusankha njira yabwino kwambiri.
2. Tumizani chisanadze Intaneti pempho ku banki anasankha.
3. Ngati mwayankha kuti inde kusonkhanitsa zikalata zofunikira. Kuvomerezedwa ndi: Russian pasipoti, chizindikiritso code, pamaso pa khadi usilikali, chikalata pa udindo banja (ndi ana), kalata ya ndalama kwa miyezi 6 lomaliza.
4. Ndi phukusi la zikalata kubwera mu nthawi chifukwa banki ndi kulemba kubweza mgwirizano.

Komanso, bungwe ndalama Pakufunika zikalata zokhudza chuma, ndi makiyi. Komanso banki angapemphe nkhani zokhudza ndalama za achibale ake ena. The apamwamba a ndalama okwana wamkulu n'zotheka kuti banki adzapereka yankho positive.

kubweza kungakhale kopindulitsa amene ali ndi chidaliro m'tsogolo. Ngati palibe bata kunena mgwirizano ndi bungwe ndalama Sikuti.