Kodi n'zotheka mu Russia kutenga kubweza popanda malipiro

Kubweza ku Russia amagwirizana ndi ukapolo moyo, chifukwa kuti ndi mtengo wa nyumba poyerekeza ndi ndalama zambiri, ndi ziwawa chidwi (10% ndi pamwamba). Chifukwa cha zimenezi, malipiro ndandanda ya mabanja ambiri lidakali pafupifupi penshioni ya. Wapakati mawu a zanyumba - zaka 17. Panthawi imeneyi, wobwereka akamamvera kawiri-atatu mtengo wa nyumba ya.

Ngakhale kuti "wokwera" mlingo zanyumba m'dziko lathu ndi kufunika iyesedwa yolungama. The vuto la "lendi" amapezeka zaphindu kubweza chifukwa ndalama wotumidwa kugula nyumba zawo, osati kutha mu mtengo lokhazikika.

Nthawi zambiri, wobwereka zovuta ndi malipiro, koma wopanda. Kodi ngati malipiro oyamba chifukwa kubweza ndi simunakhala anasonkhanitsa, ndi kubwereka nyumba salinso ndikufuna? Inde, ndi kusunga ndalama ngati nyumba lendi "adya" gawo chidwi cha chimaposa kwambiri? Pezani kubweza popanda malipiro nthawi zambiri imakhala ndi njira yokhayo vuto nyumba kwa borrowers ambiri, koma kodi ziri kwenikweni? ndi peculiarities ndi mbuna imeneyi yaitali bwanji?

Zikusonyezanso - kutenga kubweza popanda malipiro n'chotheka mu sekondale msika malo, monga ngongole nyumba mu gawo chachikulu amagwirizana ndi mavuto mkulu (malonda awiri, yaitali zomangamanga, etc.). Ngati inu kuwonjezera pangozi awa ndi Mwina kusakhulupirika kwa nthawi yaitali ngongole chikalata popanda malipiro, kuopsa banki ali lidakuzika. Mwachibadwa, ngati zinthu, ulemerero gulu simuli okonzeka ndi sizigwira ntchito.

Zanyumba ndi ziro malipiro ndi oyenera okhawo amene ali ndi khola ndi mkulu malipiro, chifukwa ndalama adzakhala mkulu. Age ndi zofunika: ndikofunikira kuti ngongole chinatsekedwa mpaka zaka zopuma pantchito ya wobwereka ndi guarantors ake.

Monga anganene kuti mabanki, zanyumba popanda malipiro - bizinesi yowopsa, kotero chiwongola dzanja adzakhala kuposa pa kubweza ndi pasadakhale.

Komanso kukumbukira kuti pamene mupanga lonjezo la nyumba amafuna misonkhano ya appraiser ndipo inshuwalansi pa chuma.

Pali yachiwiriyo kuti kubweza popanda malipiro. Njira yoyamba - kukonza mu umodzi ogula banki ngongole kwa malipiro pansi ndi kubweza yokha. ndalama ayenera kulola awiri ngongoleyo Choncho, njirayi ndi oyenera borrowers ndi mphamvu mkulu kugula. Malinga ndi malamulo a mabanki pa alipire wa kubweza sayenera kupita oposa 30% ya zopeza asanachotse mwezi wa wobwereka lapansi. Net ndalama - zonse zalembedwa ndalama (malipiro, penshoni, ubwino, etc.) zochepa ngongole (ngongole alimony).

Yachiwiri - kuti apereke chikole wina nyumba alipo. Choncho m'pofunika kuganizira kuti banki adzapereka ngongole kwa ndalama osati choposa 90% ya mtengo wogulira, potero kuchepetsa chiopsezo cha imfa yake mu kugwa mu mitengo katundu. Ena mabanki ngakhale kupereka malipiro anagona anthu lathyathyathya pafupi (monga makolo) wa wobwereka lapansi. mbali iyi ya kubweza kukongoza mu ankafuna mkulu, monga makolo amayesetsa kuthandiza ana awo akula, koma chisanadze pantchito ndipo akapuma pa zaka salola kuti apereke yaitali ngongole. Making alonjeza nyumba chachiwiri, muyenera kudziwa kuti likhoza kupanda pa kubweza inu pansi ngozi alibe pokhala wa okondedwa awo ndi iwo eni timataya wokondedwa mamita lalikulu. Choncho, n'kofunika mwabwinobwino kuwunika mphamvu zawo, ndi chidaliro chonse mu mphamvu yawo kulipira, mwa mawu kuteteza yaitali ndi kukula kwa zopeza zanu (malipiro).

Choncho, kubweza popanda malipiro akhoza mnyamata wamphamvu anthu ndi mkulu boma malipiro, ndi zabwino ngongole mbiri ofuna kugula nyumba pa msika sekondale, ndi Choncho - ndi ufulu madzi malo (kapena gulu lina) kwa kubweza chachiwiri.