Kodi kulipira ngongole ndi zosakwana naye? Sberbank mawu kubweza

Khalani mwini wanu chisa banja angathe kugwiritsa ntchito osati ndalama zawo, komanso anabwereka ndalama, zimene zinkaperekedwa mwa Sberbank. mawu kubweza choti osati kugula malo moyo, komanso kuti dziko yogona kapena chilimwe nyumba, garaja kapena danga magalimoto galimoto yanu, ziwembu dziko kwa munthu yomanga nyumba, kapena kumanga nyumba zawo.

Pankhaniyi, mungagwiritse ntchito njira zingapo kuchepetsa ndalama chopezera ngongole zofewa, kuphatikizapo umayi likulu ndalama, ndi kuchita dongosolo ndalama zolipirira kubweza kwa servicemen, ndi kuchotsera mabanja achinyamata.

nthawi yochuluka bwanji muyenera kubweza?

Terms of kubweza Sberbank lero - ndi chokoma mbamu kwa anthu amene akufuna kukhala kwawo kapena nyumba yanu. Ndipotu, inu mukhoza kumayenda yomweyo pambuyo chonse cha iwowo ndi kulipira nyumba - kwa zaka 30. Kupatulapo adzakhala ngongole kokha kwa nyumba zatsopano, kapena kani, kugawana yomanga silinakwaniritsidwe achita m'Mphamvu nyumba - yomweyo kusuntha zidzalephera, ndi kubwerera ngongole muyenera zaka 12.

Ndalama zingati angathe kumwedwa?

The pazipita kuchuluka kwa akutenga ndalama si kukhazikitsa Sberbank. mawu kubweza malire chiŵerengero cha mtengo wa ngongole ku mtengo wa malo zinazake. Inu simungakhoze kutenga kuposa 85-90% ya wounikira palokha pa chuma, ziribe kanthu zimene mtengo anafunsa ogulitsa lapansi.

N'kofunikanso kuti ndalama Bank kufunika kubweretsa chilungamo kwa kugula:

• 10% wa mtengo wake mu ndalama za kupeza nyumba anaimaliza pa msika sekondale ndi ku nyumba yatsopano, komanso kumanga nyumba zawo kapena kugula garaja ya;
• 15% - pa kupeza ndi nkhani ya dziko malo Ngongole;
• 0% - chifukwa refinancing a alipo ngongole kubweza otengedwa mabanki ena. Ngati ngongole imeneyi kudzapereka Sberbank mawu kubweza adzakhala zambiri opindulitsa.

Ndi ntchito mfundo - yambiri zawozawo analowa mu ndikupeleka ndipo m'munsi mlingo bwino magawo ngongole.

Kodi kwambiri ndi kubweza ku Bank ndi ndalama?

Ndalama Bank, mawu kubweza amene akutsutsana poyerekeza ndi ntchito zina kukongoza msika, amapereka osati ndalama zambiri ndiponso yaitali, koma umaonetsera overpayment yaing'ono ngongole ya. Mlingo mapulogalamu osiyanasiyana chifukwa makasitomala osiyana osiyana:

• pa 10,5% pa annum mukhoza kupeza ndalama, mabanja achinyamata ndi asilikali;
• pansi 12% pa annum kupereka lalikulu ngongole kubweza onse;
• mukhoza refinance ngongole ku mabanki ena pa 12,25% pa annum;
• pa 12,5% n'zotheka kumanga nyumba payekha pachaka.

The mwasankha ambiri osiyana kubweza - zikhalidwe chopezera Sberbank akanema, malingana ndi zifukwa zambiri. Zili kwa luso lanu kulipira ndi luso msanga kulipira mukukwaniritsa anapempha ndi digiri ya "chikondi" ndi banki zimadalira koposa kotani inu kulipira ntchito ndalama yobwereka.

Muyenera kuyesetsa kuti atsimikizire mtsuko kudalirika ndi kukhulupirika kwake, kutolera mfundo zofunikira, koma ndiye katundu pa bajeti adzakhala mulingo woyenera ndi kulipira kubweza anu mosavuta ndi mwachibadwa.