Kodi kuchepetsa mlingo pa kubweza ku Bank ndi ndalama? njira zofunikira kuchepetsa kuchuluka chidwi

anthu ambiri ndife amatha kugula nyumba zawo kokha kubweza lapansi. Koma ngati ngongole ndalama ali Ndiyeno pa nthawi yaitali, amene angafikire zaka makumi atatu. Nthawi imeneyi, zikhoza kusintha kwambiri zinthu, kuyambira thanzi ndalama makasitomala banki kutsiriza ndi mmene chuma chikuyendera m'dzikolo. Pa nkhani imeneyi, funso zochepetsera chidwi pa kubweza ku Bank ndi ndalama zikugwirizana ndithu kwa anthu ambiri a m'dzikoli. Ndipotu, ambiri amagwiritsa ntchito za bungwe imeneyi ndalama. Kugwa mu mitengo katundu zisakuyenda kwambiri, amene anakhudzidwa chidwi pa kubweza lapansi.

mfundo chiwongola dzanja

Pa mphindi, ndi ogwira ntchito ku banki otsimikiza kuti tsopano mlingo osachepera pa ngongole kubweza peresenti 8,9. Izi ndi otsika mtengo kuti amakopeka makasitomala. Koma mfundo yakuti aliyense mankhwala kubanki ndi zinthu zina wokongola.

Kukwezedwa kwa nyumba zatsopano

The Bank amapereka kugula kubweza nyumba mu msika chachikulu. Pa nthawi, mabungwe a zachuma kupereka ngongole kwa nyumba wa mtundu uwu pa 10,9 peresenti pa annum. Koma ichi ndi mayeso pulogalamu mode, chifukwa cha zimene zikusintha mawu ngongole ya. Koma ngati njira yoyenera vutoli, mungaphunzire zochepetsera chidwi pa kubweza ku Bank ndi ndalama peresenti 8,9. Chinthu choyamba chimene ayenera kuchita kuti kasitomala, ndi kukalembetsa pakati amagetsi a malo Sberbank. Izi kupeza kuchotsera peresenti 0.5. Sitepe yachiwiri kupeza mapulogalamu amene ntchito ndi gombe, ndipo adzalola kuchepetsa mlingo pa kubweza kwa nkhani yake. Pali njira ina nawo ntchito malipiro. Iwo anazindikira chilolezo khadi malipiro kubanki, izo adzakupatsani mpata kuchotsera peresenti 0,3. Ndipo moyenera, ndi umodzi mwa njira, mmene tingachepetsere chiwongola dzanja pa kubweza anu ku Bank ndi ndalama.

msika yachiwiri

Ngati kasitomala waganiza kugula kubweza nyumba ziwiriziwiri mwa gombe, ndi chiwongola dzanja peresenti 11,5 pa annum. Ngati inu nawo ntchito malipiro, n'zotheka kuchepetsa kwa 0,25 peresenti. Nayenso wa nyumba sekondale akhoza kuchepetsa mlingo peresenti 10,75 ngati ngongole zimatenga banja wamng'ono, T. E. M'badwo wa akazi pasanathe zaka 35. Koma kupeza kuchotsera kokha kukhala zotheka pamaso pa ana m'banjamo. Ichi ndi chimodzi mwa njira zochepetsera chidwi pa kubweza ku Bank ndi ndalama akangobadwa.

Malo mu dziko

kutsatsa wina wa banki kwa kubweza ngongole ndi kugula okonzeka zopangidwa nyumba kapena ntchito yomanga yosatha ndi kutsiriza awo kunja kwa mzinda. Pankhaniyi, zinthu zochepa pa nthawi imene banki akugwirizana - ndi 11,75 peresenti pa annum. Koma kasitomala adzatha kupeza njira zochepetsera mitengo zina ngati n'koyenera.

kubweza ankhondo

Ndalama Bank ndi kugwira ntchito limodzi ndi mabungwe a asilikali, kotero ogwira ntchito angathe kutenga kubweza nyumba pansi mlingo osachepera chidwi cha 11,75%. Anthu ambiri amadabwa zochepetsera kubweza chidwi Sberbank, ngati ine kutumikira bajeti. Kumulipiritsa ndi wapadera, koma popeza ankaphunzira zotsatsa zonse ndi zochotsera, aliyense angathe kukatenga malo abwino kwa kuchepetsa kuchuluka kwa ndalama chidwi pa kugulira nyumba.

Yomanga ndi likulu patokha

Ngati kasitomala akufuna kumanga nyumba kuchokera zikande kapena kubweza monga ina kugwiritsa ntchito ndalama munthu, iye ali ndi mwayi apereke mtengo wa 12,25 ndi 12,5 peresenti pa annum motero. Tikumbukenso kuti chuma payekha angagwiritsidwe ntchito chilichonse cha pulogalamu banki kubweza.

zinthu zofunika kwa borrowers

Ngati kasitomala waganiza kuti kubweza, izo ziyenera kukhala zaka 21 zakubadwa pa nthawi ya chiphaso, ndi kuti abweze ngongole ali ndi zaka 75. Nthawi kumene mfundo anatsimikizira ntchito ndipo kasitomala sasamalira chitsanzo cha mawu a zasungidwa, m'badwo yomaliza ya alipire ngongole sangathe kupitiliza zaka 65. Yekha ndi kubweza zankhondo, pali zaka malire a zaka 45 pa nthawi ya alipire.

The osachepera kuchuluka kwa kubweza ngongole - zikwi mazana atatu. The pazipita alipire nyengo ndi zaka 30. Pa zaka zisanu zapitazi, kasitomala ayenera chaka chimodzi mkulu lovomerezeka ndi ntchito mu malo otsiriza, kumene ndinayamba ntchito kwa miyezi isanu ndi umodzi. Ngati akazi musati kutenga ukwati, membala chachiwiri m'banjalo ayenera kuchita monga Co-wobwereka. Tikumbukenso kuti co-borrowers ayenera kukhala oposa atatu.

Komanso kasitomala ayenera kudziŵitsa Bank ya malo okhala okhazikika, komanso nyumba, anagula mu kubweza ndi chofunika kukhala pa nthambi malire Buku la Sberbank. 20 peresenti ya mtengo kugula - ndi malipiro osachepera pa kubweza ngongoleyo.

Onse a zinthu izi ntchito kokha usilikali. malo awo okhala zilibe kanthu, malinga ngati ali nzika za ku Russia komanso nawo dongosolo chokhala kubweza.

zinthu zina zimene zimakhudza mlingo

Aliyense bungwe ndalama kukhala ndi udindo chikhalidwe kwambiri. Choncho, powapatsa watsopano mitengo m'munsi, waipereka monga phindu zachidziwikire kuti makasitomala awo. Nkofunika kukumbukira kuti cholinga chachikulu cha ntchito za mabanki ndi mabungwe ena malonda - ndi phindu. Pa nkhani imeneyi, kuchepetsa chiwongola dzanja makamaka chifukwa ndondomeko mkati Bank ndi zimene panopa zili chuma cha dziko.

Bank chapakati Russia amakhudza mitengo yonse chiwongoladzanja pa ngongole. Ndipo ngati kasitomala ali ndi chidwi ndi funso la ngati Bank ndalama ali adatchithisira chiwongola dzanja pa zanyumba mu malo oyamba kuyang'ana pa uthenga Bank wa Central. Ndicho kusinthasintha mtengo wa ndalama zosiyanasiyana ndi mmene chuma chikuyendera m'dzikolo zimakhudza mtengo wa mitengo kiyi chidwi pa ngongole. Kuphatikizapo chikoka ndi mlingo wa kufufuma.

Ndi thandizo la boma, pali ang'onoang'ono ku chikhalidwe bajeti, kumene kumakhudza kuchepetsa chiwongola dzanja. Ali kugonjetsedwa, bola ngati pulogalamu ikuchitika boma. Kumene, zinthu izi ndi mwachindunji amadalira mmene chuma chikuyendera komanso ndalama, amene analandira ndi zomangamanga. Iwo amapereka yankho la funso ngati n'zotheka kuchepetsa chidwi pa kubweza lapansi. Sberbank amachotsera ake chidwi ndi 1.35% mu chaka panopa, zomwe kwambiri yafupika milandu wosuta.

Ndichepe mu kuchuluka zanyumba kale

Chinthu choyamba inu mukudziwa, wamkulu kuchuluka kwa malipiro oyamba pa kubweza, ndi zochepa kufunika ndiye kulipira. Chilakolako kuchepetsa mlingo angayambe zifukwa zosiyanasiyana. Ndipo pali njira zitatu zothandiza pa zochepetsera chidwi pa kubweza ku Bank ndi ndalama. Kodi ndi lamulo liti amalola kuchita - lamulo feduro linakhazikitsidwa mu 2015. Koma njira zimenezi si yopindulitsa monga Zingaoneke koyamba.

kupanga kukonzanso

njirayi pamafunika kusintha mawu a mgwirizanowo anamaliza mwakamodzi. Thiabendazole angagwiritsidwe ntchito pa nthawi imene makasitomala anasintha zinthu ndalama. Ndipo ndi monga kuwonongeka ake, ndi kusintha kwake.

Ngati makasitomala ali utachepa ndalama kubanki upita cha kuchepetsa katundu wa ndalama. Nthawi zina, banki imafika nthawi malipiro kwa zaka zingapo, motero kuchepetsa ndalama amodzi. Palinso mwayi kupeza reprieve pa malipiro a ndalama yaikulu malipiro chidwi adzapitiriza. banki komanso ukugawa ngongole yaikulu ndi chidwi, koma imeneyi olemekezeka kuchuluka makasitomala amalipira pa mwezi, koma chidwi pa maziko miyezi itatu iliyonse. Inu mukhoza kutenga ngongole tchuthi, kuti, kwa nthawi yaitali, kasitomala chachoka wa ndalama zonse. Ndipo njira yomaliza, ngati inu kutenga kubweza ku Bank ndi ndalama monga kuchuluka m'munsi, ndi kuti apereke ndandanda payekha.

Mwachibadwa, nthawi zochepa muyenera kubwerera ngongoleyo, m'munsi overpayment ngongole ya. Pa nkhani imeneyi, pafupifupi onse borrowers akuyesera kuchepetsa izo. Kuti tichite zimenezi, mukhoza chitani motere:

• Ngati kasitomala ali ndi njira zopezera ndalama, akhoza pang'ono ngongoleyo pasadakhale. Mwachibadwa, banki adzadzipereka mu malo oyamba kuchepetsa ndalama, koma ndi bwino kuti aganyali kuchepetsa nthawi ya malipiro. Ichi ndi chimodzi mwa njira, mmene tingachepetsere chiwongola dzanja pa kubweza anu ku Bank ndi ndalama. Ndiko, ndalama kasitomala amachepa, ndipo mofulumira kutseka kubweza lapansi.
• Kuchepetsa akuti ngongole ndi kuwonjezera malipiro apamwezi. Kuti tichite zimenezi, muyenera kupereka banki ndi zolembedwa zonse zofunikira zikalata kusintha vuto la ndalama kasitomala.

Kukonzanso - njira yabwino kwambiri kuchepetsa mlingo pa kubweza ku Bank ndi ndalama akangobadwa.

refinancing

Koma njira imeneyi si wopindulitsa nthawi zonse ndi yabwino. Pafupifupi onse mabanki tsopano aipereke kwa makasitomala awo, kulonjezedwa kwa mitengo m'munsi. Koma pali zinthu zina zimene si okongola kasitomala:

• Tiyenera kachiwiri kukonzekera zikalata zonse, kuphatikizapo kukonzanso apange ziyenera a malo, akumamvera amalipiritsa boma, kupeza inshuwalansi ndi zina zotero. Ndipo ngati kuli koyenera kuti kuchepa pang'ono mlingo, zikuoneka kuti kasitomala tikatha kuposa mukhoza kupeza.
• Ngati mgwirizanowo anali dokotala moratorium pa zimenezi, m'munsi mlingo mpaka mapeto sizigwira ntchito.
• Bwererani inshuwalansi malipiro pa kubweza si ntchito, chifukwa ndi ndondomeko kuvomerezedwa.
• Ngati kasitomala kamodzi anathyola malipiro chonena ku khoti pa gombe sadzakhuta.

M'nkhaniyi takambirana njira zonse, mmene tingachepetsere chiwongola dzanja pa kubweza anu ku Bank ndi ndalama, tinganene kuti n'zotheka, koma si zonse zopindulitsa. Nthawi zina, mitengo m'munsi zidzayambitsa kuchepetsa ngongole, ena ndichepe sadzakhala kwambiri, koma mtengo wa kamangidwe kake ndi chonyansa mwamphamvu kuti chikwama munapangana. Akatswiri amalangiza choyamba timudziwe bwino kupereka banki, chifukwa china chilichonse, mabungwe ndalama zopindulitsa, koma sizikutanthauza chirichonse. Only mosamala potaya onse, inu angapulumutse.