Nyumba ngongole - wolemetsa kapena mwayi wawukulu

Kutsutsana ngati kapena ayi kutenga ngongole kubanki kugula nyumba kwa nthawi yaitali ikuchitika ndipo mwinamwake, iwo sadzakhala ndi mapeto.

Kubweza Otsutsa amati zimenezi mtundu wa kukongoza mu Russia pakati pake penipeni - ukapolo, limene borrowers. Izi zimayambira pa mitengo kwambiri mkulu chidwi ndi, monga Motero, kukula kwa malipiro a mwezi, ndi aspirant banja okwana ndalama samalipira a. Ndithudi, iwo ndi kangapo wotsika kuposa ku Ulaya ndi ku United States.

Koma iwo amene akuganiza kuti kutenga nyumba ngongole, zimadziŵa mavuto onse ndi mavuto amene amakumana nawo, koma amaona kuti n'zotheka yekha kuthetsa vutolo nyumba. Ndithudi, kugula katundu mu ndalama zawo sangakwanitse limodzi, zina za funso anthu ndi osiyana: pamoyo wake wonse kuti huddle kapena kulipira 'malume' nyumba yobwereka mu chiyembekezo choti zinthu zidzakhala mwanjira kuthetsa yokha, kapena kubwereka ndalama Bank ndi moyo mu nyumba yake. Ankaona mmene izi, lingaliro ndi kupeza kunyumba ngongole, salinso zikuwoneka loopsa. Trite koma zoona: amaona.

Munthu woyamba yemwe anayamba kuchita mtundu uwu wa ngongole wakhala Sberbank. Nyumba ngongole kumene inu mukhoza kutenga zinthu mwachilungamo wabwino. Kuwonjezera mapulogalamu muyezo, pali wapadera Mwachitsanzo - kuti refinance ngongole analandira kale. Posachedwapa, kufunika mwa iwo amene analandira nyumba ngongole kubweza zaka zingapo zapitazo, pa mlingo choposa chilemba cha 20% pa annum. Lero, Chiwerengerochi zosatheka, koma mu zochitika pa nthawiyo mwina palibe.

Kodi zinthu mukhoza kutenga nyumba ngongole

Ndalama Bank, monga mabungwe azachuma, amapereka ndalama ngongole, onse wotetezedwa ndi malo alipo weniweni, ndi amene anagula. Mfundo zina katundu wobwereka angathe kuonedwa kuti ina.

The chiwongola dzanja osachepera amakhala mu ndalama zakunja. Mu rubles zikhalidwe wokongola kwambiri anapereka mabanja achinyamata amene mwakonza zotengera nyumba ngongole. Choncho, ruble kulipira 10% chaka, ndi nthawi pazipita zimene mukhoza kubwereka ndalama, ndi zaka 30. mwayi umenewu umakhala mabanja imene zaka zosachepera imodzi akazi si upambana zaka 35. Koma malipiro, ndiye kukula osachepera ndi 10 okha% ya katundu anapeza.

Ngati ife kulankhula za borrowers, amene M'badwo awoloka mzere kwa zaka sate-faifi, ndi chiwongola dzanja mu rubles lidzayamba ndi chizindikiro cha 12% malinga mtundu ngongoleyo, ndicho kanthu kodi chuma ndi chikalata. Kukula kwa chigawo choyamba ndi mu osiyanasiyana kuchokera 10 mpaka 15%. Pa nthawi yomweyo, monga ulamuliro, ndi ang'onoang'ono nyumba, ndi nyumba tikukonza kwambiri.

Anatinso ngongole ntchito malo tikukonza borrowers mtengo kuposa okonzeka zopangidwa nyumba. Koma panthawi ku Bank ndi ndalama ndi mawu wapadera, zomwe ngongole kugula silinaizindikire anagonja chinthu kungakhale pafupifupi zinthu mofanana chinthu chinajambulidwa ndi ntchito boma.

Kapena kulandira ngongole, ndi Ndithu munthu. Komabe, chifukwa kukula khazikika m'njira mitengo nyumba akhoza kukhala moyo kupulumutsa kwa nyumba, ndipo siinafike cholinga chake.