Kodi ndi mmene kupeza kubweza mu Chelyabinsk - mbali ndi ayamikira

Pakali pano, vuto lalikulu ndi kupeza banja achinyamata a nyumba yake. Zimakhala zosavuta. Ngati achibale alibe mwayi kuthandiza achinyamata, m'pofunika kutenga ngongole ku mabanki ndi ziwawa chidwi. Ngakhale mapulogalamu onse Boma, alipire wa ngongole yaikulu pa magulu kutali osati banja lililonse. Mavuto pa siteji ya kulembetsa. Banks kuyesa kuchepetsa mavuto awo, kotero kukonza macheke zosiyanasiyana deta operekedwa. Today tikambirana mmene kupeza kubweza mu Chelyabinsk, mavuto angayambe ndi zimene muyenera kukhala okonzeka.

Umafuna thandizo

Tsopano Tingaone kulikonse: "Ine chingatithandize thamo", "chokongoletsedwa ndi kubweza ndalama zochepa" ndi zina zotero. Koma tiyenera kuzindikira kuti palibe amene kutenga pachiswe. Cholinga cha malonda oterewa - kusonkhanitsa amalipiritsa kuti "thandizo". Zilekeni 500 kapena 1000 rubles, koma intermediaries loterolo sayankha, cifukwa cakuti ntchito aikidwa mu banki, amene nawonso, adzakhala ndizimene komaliza. Ndi kuti ziyenda bwino mukhoza kupempha kwa banki okha. Koma ngati kutenga kubweza mu Chelyabinsk n'kovuta kwambiri, anthu kusankha kusewera izo otetezeka ndi kulipira kwa utumiki "akatswiri."

Kukongoza Mapologalamu - Kodi Iwo Ntchito?

Mosakayikira, tsiku lililonse, wotuluka ndi anthu kusamukira ku nyumba yatsopano. chinthu chinanso chimene yotsimikiza deta kasitomala ndi mokwanira kwambiri. Koma kuopsa ndi banki kwambiri. The bungwe chuma ayenera kupereka dongosolo la rubles miliyoni isanu, kenako dikirani zaka makumi awiri kubwerera kwa ndalama izi. Ndipo ngati munthu zaka zingapo mwakayakaya ndi kutaya chifukwa ntchito imeneyi? Ndipo ana aang'ono Kwalamulidwa nyumba? ngati banki adzatha kukhazikitsa nyumba iyi, imene ndi ina, kapena zaka zambiri kuchititsa mlandu ndi wogula? mavuto onse awa ndipo anamasuliridwa mu ziwawa chidwi. Zimenezi ndi opereka adzaza zomvetsa anapalamula banki mu Zikatero.

Terms of mabanki

Lero tikufuna kuthana ndi momwe kuti kubweza mu Chelyabinsk. Chaka chilichonse mu dera zoposa 20 zikwi nyumba ngongole. Pa nthawi yomweyo, mapulogalamu zimenezi zimapereka 20 mabanki. atsogoleri ndi "Sberbank la Russia" ndi "VTB 24". Kuwonjezera iwo mu gawo ili ntchito mabanki "Oyamba", "UniCredit", "MDM Bank", "Rosbank", "Alfa-Bank", etc. Mwa dera - .. "Chelyabinvestbank", "UralPromBank" ndi "Uglemetbank".

Komabe, mikhalidwe wokongola lolimba. Mitengo kufika 22,4% pa annum ngongole ruble ndi 12% kwa ndalama zakunja. Pankhaniyi, mlingo zikudalira kasitomala anatha kutsimikizira banki mu mphamvu yake kulipira. Choncho, ngati mukuganiza bwanji kuti kubweza mu Chelyabinsk, inu muyenera kuonetsetsa kuti kulankhula ndi abwana ake, kuti kuchuluka lonse malipiro analipira msonkho. Komanso, kutsegula gawo mu banki asankhidwa ndi kuyamba deduct wina kuchuluka mwezi uliwonse. Patapita chaka chimodzi, mudzakhala ndi umboni wa solvency. Pa mlingo wochepa chidwi angayembekezere mamembala a ntchito malipiro, komanso borrowers amene nkhani banki kuchuluka kwa osachepera 30% wa mtengo ntchito.

zofunikira

Osati aliyense ali ndi nthawi kuti tithetse bwana ndi ndalama pa gawo. Kodi kupeza kubweza mu Chelyabinsk mofulumira? Kuti tichite zimenezi, muli ndi chinachake kuti wokwatibwa ndi banki akhoza analandira monga ina. Mwachitsanzo, muli yaing'ono. The Bank kuona zikalata pa kubweza ake ndi kupereka ndalama kukagula wina. Kapena m'pofunika kukhala malipiro. The apamwamba ndi, kosavuta zidzakhala pokonza zambiri. Kalata ya ofunika ku likulu umayi Angagwiritsidwenso ntchito monga malipiro. Pali ang'onoang'ono ena onse omwe analandira mabungwe kubanki. Mwachitsanzo, pali msonkhano wapadera zankhondo.

Ngati mulibe iliyonse, yesani kupereka umboni zinachitikira yokulirapo mu gulu limodzi ndi malipilo apamwamba boma. Pankhaniyi, mwayi wa ntchito yanu kugwa, koma akhalebe. Ndipo ngati milandu kutchulidwa mulibe ntchito, ndipo pamanja awo si ndalama zokwanira malipiro, mukhoza ndalama pa maulendo ku mabanki - yankho ayi.

Tingayembekezere malipiro apamwezi

Onetsetsani kusankha kwanu. Chifukwa chaichi pali wapadera Chiwerengero zimene amanena mmene inu tsanulani kubweza mu Chelyabinsk. Kuwerengetsa chiwongola dzanja, ndipo mukhoza banki woyang'anira kwaulere. Ngati inu miliyoni 2 rubles zaka zisanu ndi malipiro mwezi kudzakhala 45 000 rubles. Apa ndi pamene izo zifika pa mlingo wotsikitsitsa chidwi, mwachitsanzo 12%. Anatambasula malipiro kwa zaka 10, iwe zoposa ndalama wokongola, ndicho 28,000 rubles. Ndiye mudzataya kwambiri chifukwa cha overpayment lapansi. Mwachitsanzo, kutenga ngongole kwa zaka 20, inu kulipira 6000 chokha pasanathe mwezi, koma adzakupatsani kuwirikiza kawiri.

Kodi banja wamng'ono

Choncho, ngati mukukayika kuti ntchito wavomerezedwa, ndiye kuyesera kukumba pang'ono ndalama. Inde, n'kovuta, makamaka lendi lathyathyathya. Mukhoza mongoyembekezera kukakhala ndi makolo ake, kuchuluka kwa zimene anathera pa malipiro a chuma, kuzengereza, kuwonjezera kwa ilo ngakhale yofanana. Amaphunzitsa chilango ndi moyo wamtsogolo ndi ngongole. ndondomeko malipiro yaitali kwambiri. Angolowa kumene m'banja kutenga ngongole, mudzakhala ndi nthawi kulera ana, pamaso kwathunthu kuthetsa naye.

ngongole angapo

Ngati kubweza pa nyumba Chelyabinsk Ndipotu ali, ndi zoona ayenera kuyesera kuzibweretsa izo, inu muyenera kupita mochenjera. Kodi muli Kuyamikira? Iwalani za kukondweretsa ntchito. Chabwino, inu adzapatsidwa mwayi kukonzanso kupenda ntchito ndi mphoto mokwanira. Kumene, inu musanakafike ndalama kubanki. Choncho, zimene ayenera kuchita? Kupeza nyumba, eni omwe amavomereza kudikira kanthawi. Musanyamule zikalata ku banki. Ngati manja si ndalama yokwanira kulipira malipiro pansi, inu muyenera kusonkhanitsa ngongole lachiwiri.

Tikayang'ana ndemanga, kawirikawiri amakana makasitomala awo, "Delta Bank". Koma tiyenera kukumbukira kuti milandu zoipa kwambiri sati anawona kwina kulikonse. Ndiko kuti, ndi njira pamene munthu alibe ina malipiro, mkulu ntchito. Kamodzi inu mupeza yankho boma kuti ntchito wavomerezedwa, kudzakhala kotheka kuti msanga jambulani wina ogula banki ngongole. Ndi inu mukhoza kulipira ngongole alipo amene kale "aonongeka" mu kafukufuku, ndipo monga zikalata akuthandiza kubanki, amene adzapereka kubweza lapansi. Kuchuluka kuli kuti malipiro koyamba.

Vuto loyamba

Ngati mukuganiza kuti zimenezi anali mapeto, inu Mukulakwitsa. Konzekani mwakamodzi, ndi kugulira nyumba. Tengani kubweza pa nyumba Chelyabinsk ngati n'kotheka, koma yaitali mtengo kwambiri mawu a ndalama. Choncho, mwamsanga pamene zochita zabwino, ayenera kuti chilipire ya pasipoti cadastral ndi kupanga oyambirira. Pambuyo pa izi chidzadza kwa inu oimira gulu wounikira kuyendera malo ogulitsa. Ndalama 2000 rubles. Ngati ndinu mwayi, pali umboni ndalama ndi chiwongola dzanja pakuchitika osachepera, zidzakhala 12,5 pa annum kwa zaka khumi ndi zisanu kapena makumi awiri.

Koma si onse. Kusankha malo kupeza kubweza mu Chelyabinsk, yesani kupeza banki, kumene kulibe amalipiritsa kwa issuance ngongole. Apo ayi, mukapatse rubles zambiri kuchokera 11,000 kuti 25,000. Mu yomweyi, inshuwalansi wapangidwa lathyathyathya (mutu ndi chitetezo), komanso moyo ndi thanzi la wobwereka lapansi. Iwo kulipira chaka. Mukhoza amakana inshuwalansi, koma ndiye adzauka ndi chiwongola dzanja. Zimapanga premiums kuchokera rubles 7000 ku 10000 pa chaka.

ngongole wovomerezeka

Monga mukuonera, zinthu si mofulumira ndi wotchipa monga izo zikuwoneka. Choncho, musanayambe kuganiza za kumene ndi mmene kuti kubweza kwa nyumba Chelyabinsk, inu muyenera kuonetsetsa kuti mosamala maluso a zachuma. banki amavomereza nyumba osankhidwa masiku angapo kuchokera kubera appraisers. Ndiye inu mukhoza kupanga malipiro wogulitsa, 15% ya mtengo wa nyumba. Kumbukirani, ife tiri pa iwo ndipo anapanga kunja ogula ngongole. Nthawi zina, banki kungafune 30% ya ndalamazo basi ndi kutumikiridwa monga malipiro koyamba.

Zambiri yokha zidzachitike patapita mlungu umodzi. Tsopano inu muyenera kubwera ku ofesi ya banki kusaina mapepala onse. Wogula analemba risiti kuti walandira malipiro koyamba. Tsopano inu mukhoza kupita kwa Regpalatu ndi mbiri zambiri. Patapita mlungu umodzi adzakhala zikalata wokonzeka. Tsopano inu kupeza kubweza ku banki, ndipo mwamsanga pamene ali Ngopambana, wogula apeza kobiri yonsene akaunti yanu.

Momwe kubweza popanda malipiro

Mu Chelyabinsk, komanso midzi ina ya Russia, zingakhale zovuta kwambiri kutenga kufanana ogula ndi kubweza ngongole. Choncho, makasitomala zambiri kupewa mphindi ino kuti apereke ngongole kwa ndalama zonse za nyumba. Koma zimenezi zingakhale ndi vuto lalikulu. Kuzipewa, inu mukhoza kukambirana ndi achibale amene mukhoza kukawerenga nyumba zawo monga ina. Ndiye banki msanga kugwirizana kukupatsani yofanana chimene chili chofunika kwa ndikupeleka yogula ndi malonda.

Yachiwiri - kuti munthu anapangidwa chitsimikiziro. Nkofunika kuti munthu uyu anali a chuma nyumba kapena galimoto, kapena ngakhale bwino, ndi kuti, ndi wina. Komanso, ayenera kukhala ntchito ndipo amalandira boma malipiro.

Cottage kapena nyumba

Kubweza pa nyumba pawekha Chelyabinsk amatengedwa ngakhale zovuta kuposa nyumbayo. Lero, mwina zimenezi imatengedwa ndi mabanja ambiri. Kwa ena ndi mwayi wokhala ndi moyo m'dera zosawononga chilengedwe choyera, ena akufuna kukula zipatso ndi masamba pa Intaneti. Mulimonsemo, nyumba payekha wokongola ting'onoting'ono nyumba. Mwatsoka, ndi okwera mtengo kwambiri kugula, kotero kuti amachita ngongole.

Kodi vuto

Kubweza pa nyumba Chelyabinsk adzakhala woterowo ngati akumana ndi zofunika zina. Ndi chinthu kuti ali zochepa liquidity kuposa nyumba ya. Choncho, mabanki ndi bwino ganizilani chikhalidwe chake, malo ndiponso zipangizo zimene inamangidwa. Zimenezi n'zomveka, iwo kwenikweni chidwi kaya kugula msanga ndiponso kubwerera ndalama zimene zimagwiritsidwa.

Ena mabungwe kukongoza adzayankha inu nthawi yomweyo, musapatuke kukhazikitsa kubweza pa nyumba Chelyabinsk. The kubweza pa nyumba ya kubanki ku nkhani, basi ayenera kusonkhanitsa zikalata kwambiri. Choncho, pali zinthu zingapo kiyi.

• Ngati malo a nyumba ya si amakhudza njira, apa adzakhala chofunika. Kulankhulana ndi chikhalidwe luso nyumba, nayenso, mbali yofunika kwambiri.
• Chikolecho chimafikira kwa dziko.
• Chidwi pa kubweza anu ndi apamwamba kuposa zinachitikira lathyathyathya.
• Tili kudalira pa milandu zina banki.

m'malo mapeto

Monga mukuonera, kubweza kulembetsa kumafuna view amaona zinthu ndi kupezeka kwa lonse la zolemba, amene angathe atsimikizire solvency. Ngati lero simuli okonzeka kupatsa iwo ku banki, izo mwina molawirira kwambiri kuganizira ngongole kubweza. Inu mukhoza kupita ku gombe ndipo ndikufunseni inu kuti aziwerenga waukuluwo. Kuti tichite zimenezi, kutenga zasungidwa mawu kuuza woyang'anira za Kuyamikira zilipo, chuma, malonda. Pankhaniyi, inu mukudziwa pafupifupi zimene mungayembekezere.