Kodi kugulitsa nyumba kubweza ndi "ndalama"? Ndingatani kugulitsa nyumba kubweza ndi "ndalama"?

M'zaka zaposachedwapa, ambiri ku Russia akukumana ndi kufunikira kwake kupeza kubweza malo. Chinthu njira iyi ndi angakwanitse. Kuti kugulira nyumba, mungaganize mavuto onse, amene ali sizingatheke. Nthawi zambiri pali milandu pamene anagula ngongole nyumba ayenera kugulitsidwa. Ndingatani kugulitsa nyumba "Ndalama Bank" zanyumba?

Chifukwa kugulitsa nyumba mu kubweza chiyani?

Chifukwa chachikulu kugulitsa malo ili mu kubweza, ndi kusowa ndalama kwa ngongole ya ku banki. Chifukwa chakuti pangakhale zingapo. Pano pali anthu ambiri:

• kuchepetsa wobwereka ndi ntchito panopa;
• kusiyana pakati pafupi, amene pamodzi kulipira ngongole kunyumba ;
• chisudzulo;
• imfa ya wachibale amene anathandiza ngongoleyo;
• kulumala, pamene wobwereka sanapange za inshuwalansi.

Monga mabanki akugulitsa kubweza malo

Pamene wobwereka alibe mwayi kubweza kubweza ngongole yake, nthawi zambiri njira yokhayo yotulukira ndi kugulitsa nyumba amenewa ndi kugula watsopano, wotsika mtengo. Kugulitsa nyumba pansi pa kubweza "Ndalama" n'zotheka, koma ayenera kulandiridwa ndi chigamulocho yoyenera.

kubanki ndi chidwi chakuti ndalama amalandira m'njira yake popanda opulukira. Choncho pofuna kupewa mavuto amenewa amathandiza ndi borrowers kugulitsa chuma.

Kugulitsa nyumba kupyolera kubweza "Ndalama Bank", m'pofunika kuti apereke mgwirizanowo pa malonda a malo. Ngati nyumba wagulitsidwa, banki adzapanga phindu, chifukwa ungatengeso kale chikalata ndalama ndi kupeza wobwereka latsopano.

Kuchotsa encumbrance

Malinga ndi Chilamulo Federal "Pa kubweza" (nkhani 29 ndi 33), ngati kukonzedwa ndi 2013, ufulu wa wobwereka ndi:

• ntchito malo, amene alonjeza ku banki;
• kukonza malo mu mawonekedwe yoyenera malawi.

Encumbrance amatchedwa kuti asanene yosaloledwa chofukizira bwino zachilengedwe zosiyanasiyana, chikugwirizana ndi mwayi kugwiritsa ntchito nyumba. Ngati ife kulankhula za kubweza, ndi wobwereka ali ndi ufulu kusamutsa lachitatu maphwando anapeza malo. dongosolo ili umamangidwa ndi Federal Chilamulo 102 (Article №6). Monga zosiyana, tikambirana okha nkhani ya cholowa.

Kuchotsa encumbrance zikutanthauza kuti chofukizira bwino adzakhala osachita pa lamulo pa kulanda katundu ndi akhoza kutaya ngati mukufuna. Chotsani kuwawa kwa nyumba wotetezedwa kungakhale kokha pamene wobwereka analandira chilolezo ngongole kubanki ndi anakhala njira zonse zokhudza malonda.

Kodi kugulitsa nyumba, anagula mu kugulira nyumba, "Bank ndalama," popanda chilolezo

banki kusamvana si lamulo ngati wobwereka kale encumbrance. Ngati wobwereka ndi nawo banki pamene kugulitsa malo, m'pofunika kuti abwezere ngongole ngongole kwa iwo. Kodi kugulitsa nyumba kubweza "Ndalama Bank" mu nkhani iyi? Pali njira ziwiri.

Wobwereka akhoza kutenga ngongole ina, koma ogula. Pambuyo pa zolembedwa zonse zofunikira ndi kupeza ndalama anafunika abwezere ngongole pa kubweza adzakhala anasonkhana. Ndiye inu mukhoza bwinobwino chitani zogulitsa.

Mungapezeponso wogula amene si mantha kukwata kuopsa ndi wofunitsitsa likhulupiliranso kuti "mawu" wogulitsa. Pankhaniyi, chiphaso wapangidwa, chimene wogulitsa amatenga ndalama kwa wogula, kulipira ngongole ya nyumba ya. Choncho, woyang'anira atachotsedwa. Komabe, ogula izi kupeza kovuta.

Kodi kugulitsa nyumba ndi encumbrance (kubweza "Ndalama Bank"), kupatula chilolezo analandira

Kuyamba ndi kufunsa kapitawo banki. Ngati wobwereka angathe kubwera kwa malo malonda zifukwa zogomeka zifukwa, banki adzapita kukumana ndi kupereka njira yabwino kwambiri kuthetsa vutolo.

Pamakhala ndondomeko pokonzekera chilolezo cholembedwa cha banki. Kamodzi wogula ndi, wobwereka ayenera awadziwitse banki za malonda ndi kugula zambiri, monga kubweza kukongoza pangano mwina kusintha zinthu zina.

kubweza ankhondo

Kodi kugulitsa nyumba kubweza "Ndalama Bank", ngati nkhondo? Kubweza usilikali kusiyana ndi kuti mapangano pa kukongoza ndi kudalira ngongole ndi anasaina pa nthawi yomweyo. chandamale ngongole mgwirizano nyumba zifunike ndi mgwirizano ndi bungwe "Rosvoenipoteka". n'kukagulitsa nyumba kubweza mu "Ndalama Bank" zimenezo - mfundo moot. Popeza chiyanjo cha zinthu zonse zofunika monga ndi banki, ndi "Rosvoenipotekoy" mfundo zofunika ndi:

• mtundu wa ntchito kasitomala;
• malipiro Gawo ngongole ya;
• ngati wogula angathe abwezere ndalama.

Sale popanda nawo banki

Monga anakhumba wobwereka amachita ndikupeleka zogulitsa a nyumba paokha, popanda nkhani ya banki mu ndondomeko imeneyi. Kamodzi wogula ndi zofunika:

• kuti mupeze kuchuluka kwa ngongole ndi kupeza mawu oyenerera;
• kunena pangano kuyambirira kwa ogulidwa katundu ndi kutsimikizira odziwitsa wake;
• kubweza ngongole kwa ndalama allocated kuti wogula, ena kuchuluka pa nthawi yomweyo kusungidwa mu bokosi chitetezo gawo ;
• kupeza zolembedwa ku banki atamva encumbrance;
• ntchito regpalatu, encumbrance amachotsedwa pambuyo pa masiku 28;
• pambuyo kupeza ufulu kutaya katundu kudzapereka mgwirizanowo anaigulitsa.

Izi akhoza zichitidwe mwa mabungwe malo. Pankhaniyi, wogulitsa sadzalowa mu kukambirana ndi banki kusonkhanitsa zolembedwa ndi kuyang'ana kwa ogula nyumba. Nkhanizi adzayankhidwa antchito a bungwe la. Kwa misonkhano yoteroyo mlandu pa mlingo wa 5-10% wa mtengo okwana nyumba.

Sale wa nawo banki

Wogula ndi wogulitsa amachotsedwa mu awiri banki mabokosi otetezeka gawo. Wogula amauza ndalama pawiri, wina chofunika kubweza ngongoleyo, wachiwiri apeza pambuyo ndikupeleka wogulitsa. Access kwa maselo kudzakhala kotheka kwa wogulitsa pa ulaliki wa mgwirizano wa mayina a malonda ndi kalata ya ufulu chuma osasunthika. Ngati zambiri chifukwa wina sizinachitike, wogula angathe kutapa ndalama. Bola ngati ndalama ndi mu otetezeka gawo bokosi regpalata amachotsa encumbrance amapezeka kulembetsa wa ndikupeleka kudzera odziwitsa, amene asankhidwa ndi wokongoza banki.

Zambiri osati kugulitsa malo, ndi kubweza, monga imene wogulidwa. Kodi kugulitsa nyumba ili kubweza ndi, "Ndalama Bank," ngati pali wobwereka latsopano? njirayi zikugwilizana ndi banki, pamene wobwereka watsopano ayenera kutsatira mlingo watsopano ngongole ya. The wogulitsa amalandira kusiyana pakati pa mtengo wa nyumba ndi yotsala ya ngongole.

Ngati wogula akutenga ina nyumba pa kubweza ngongole, ndi bwino kuchita izo mu banki wina. refinancing ndondomeko ku banki watsopano nthawi zonse wolemera.

Malipiro a msonkho pa malonda malo

Malamulo atapereka msonkho wamalonda kubweza nyumba ofanana ndi amene ntchito mu kugulitsa nyumba, amene kale anali. Ngati nyumba ali wokwatibwa ndi zaka zosaposa 3, ndiye wogulitsa-wobwereka anapereka msonkho pa zogulitsa. Koma ngati ku chiphaso cha katundu ufulu wakhala zaka zoposa 3, kuchokera msonkho osachita malonda.

ofunika

Kodi kugulitsa nyumba "Ndalama Bank" kubweza ndi kupewa kutaya ndalama padera? Izi si yovuta, chifukwa kubweza nyumba chogulitsidwa, nthawi zambiri zotchipa. Sale wa kubweza nyumba kumatenga nthawi ndi nthawi ndipo amafuna yosonkhanitsa wambirimbiri zolembedwa ndi malipiro analengedwa mu ndalama. kudziwiratu zimene safuna kutenga ogula ambiri ofuna. Wa malonda a kubweza malo kuganiza ndalama mwachilungamo mkulu.

"Ndalama Bank", komanso ina bungwe ngongole, kwenikweni udzabala kulamulira ndikupeleka iliyonse siteji. Popanda thandizo la ngongole panopa banki n'zosatheka ngakhale kulembetsa pangano la zogulitsa ndi "Rosreestr". Ngati anagulitsa nyumba tikukonza ndi kulenganso ya pangano chilungamo (ntchito ufulu), ndiye gombe adzakhala mlandu amalipiritsa wa 1% ya ndalama allocated kwa iwo kugula nyumba. masiteji onse ndikupeleka ayenera zalembedwa mu mgwirizano pa kubweza lapansi.

Kodi kugulitsa nyumba "Ndalama Bank" zanyumba? Izi ndi zovuta ndi nthawi yambiri ndondomeko yofuna ndalama ndi lalikulu ndi nthawi. Komabe, ngati kusankha komaliza pa malonda a kubweza nyumba, n'zotheka ndithu. amachita oterowo ndi koopsa kwambiri, choncho mtengo wa nyumba kubweza pa msika ndi kwambiri m'munsi, ndi ogula sakhala okonzeka kutenga nyumba zimenezi.