Haddii iyo haddii aan soo qaato amaahda ee 2014? Sberbank - oo dhan credits

Amaahda - adeeg la yaqaan in nolosha casriga ah. Sida laga soo xigtay tirakoob, inta badan dadka ugu yaraan hal mar isticmaalaan iyaga. Gadashada ah guri, gaari iyo qalabka guriga on credit - waa kuwa adeegyada taas oo qof kasta og yahay oo si guul leh u isticmaali, in aan ku xuso si xun u isticmaalka ee kaararka deynta ama amaah ah. Iyadoo ay taasi jirto, dadka joogto ah oo arrintan ku saabsan kici ama su'aal in. Laakiin wax ugu weyn ee weli waa kan: "Ma istaahishaa in ay qaadato deyn 2014?"

Pro iyo con

In si ay u sameeyaan qiimayn hadaf, iyo ka jawaabo su'aasha ah in la soo qaato amaahda ee 2014, waxaa lagama maarmaan ah in la fahmo in farsamo ee dajinaysa lacagta dulsaarka deynta bangiga. The hoose iyo qayb weyn - heerka maalgelinta ee Bankiga Dhexe. Interest amaah bangiga ma noqon karto hoos qiimaha this. Sidaa darteed, marka heerka sicir bararka ee waxaa uu lamid yahay heerka of Huang, lacag amaah ah qayb qiime in deynsanaya noqon faa'iido halka laga kordhinayo dakhliga saamiga ama weyn tahay heerka Bangiga Dhexe.

credit allifey noqonayaa in kiisaska waxaa suuro gal ah in xasiloonida dhaqaale gaar ah HAKAD laga yaabaa in mustaqbalka. qorshaynta muddada dheer waa hanti oo kaliya in ay gobolka, kaas oo uu helo miisaaniyadda sanadlaha ah ee sannadka soo socda, oo ku salaysan saadaal iyo xisaabinta of tilmaamayaasha qaarkood.

Haddii iyo haddii aan soo qaato amaahda ee 2014?

Xaaladda dalkeena waa mid deggan, inkastoo ay saadaasha dhibaatada ka dib ciyaaraha Olimbikada ee Sochi iyo dheer ee dhulal cusub. Waxa kaliya ee waa in ay tixgeliyaan amaahdaana a iman kara, waa xasiloonida u gaar ah in dhaqaalaha iyo gelitaanka.

Waxaa muhiim ah in la fahmo in lacagta daynta ah kiis kasta waa in ay ahaadaan dakhliga la mid ah. Markaas isbedbedelka saameyn yar amaah ah shuruud si aad u kici qiimaha (la hoos u dhac in qiimaha Ruble ah).

Tani waxa ay tilmaamaysaa soo socda: haddii lacagtii deynta ayaa la soo saaray ee euros ama dollars US, iyo dakhliga aad ku qor in rubles heerka sarrifka markaas sii kordhaya qiimaha credit kordhay. Waayo, deynsanaya, taas macnaheedu waa lacag dheeraad ah oo dheeraad ah.

Taasi waxay bixisaa Bank Savings ah in deynsanaya?

daymaha Sberbank 2014 tiro badan yihiin. In xagaaga - waqtiga fasaxa, - Savings Bank bixiyaa wax soo saarka cusub oo heerka dulsaarka hoos u dhacay (ka 14.5%). credits macaamiisha, kuwaas oo 2014 la diyaarin karaa in laamaha Sberbank. Waxaa loo soo saaray sida shqsiga ah (haddii dulsaarka sarreeya - by 15.5%), iyo hoos damaanad ah oo ay shakhsiyaad. In joogitaanka damiin lacagta amaahda ah waxay noqon kartaa ilaa 3 million rubles ilaa 60 bilood.

Haddii iyo haddii aan soo qaato amaahda ee 2014, tusaale ahaan, mortgage ah? sano ee hadda ku sugan daynta mortgage weli sida faa'iido. Qaadista dulsaarka lama filayo, sida qarashka guriga joogto ah u koraya. mortgage A la oran karo waa sida nooc ka mid ah qorshaha wajigeeda la il qiimaha mustaqbalka ee hantida. Haa, dheeraadka muhiim ah, laakiin by waqtiga bixinta amaahda, ma waxaad dareemi doontaa. Haddii aan u falanqeeyaan kororka qiimaha ee 14 sano ee la soo dhaafay, waxa aad arki doontaa in qiimaha guryaha kordhay 2 jeer. Sidaas by mortgage waqtiga bixinta gurigaaga noqon doonaa qiimihiisu lacagtii aad bixisay.

Mortgage qoysaska dhallinyarada ah

Sberbank ayaa sameeyay barnaamij mortgage gaar ah - amaah dhalinyarada ah ee guri dabaq ah. 2014 sameeyey hagaajin qaar ka mid ah xaaladaha ay. Ilaa iyo dhamaadka June 2014, waxaa jira dulsaarka hoose - ka 10.5% sano ah. Basic dulsaarka amaahda ka Sberbank waa 12% sannadkii dhismayaasha aqoonsan, ku dhiirigelinayaan in uu horay u galay heshiis ah dayactirka xarumaha ay Sberbank. iskaashiga noocan oo kale ah waa faa'iido dhan - bangiga helo deynsanaya, iyo kuwa, markeeda, hoos heerka amaahda mortgage. Oo sameeysa ee iibiya sida ugu dhakhsaha badan oo dhan guryaha ku jira guriga cusub.

feature ugu weyn ee wax soo saarka mortgage tani waa:

1. Age of isqaba ka yar 35 sano.
2. qoyska ayaa laga yaabaa in liiska gobolka for horumar ah ee xaaladaha nololeed. Dawladda ayaa bixisa qayb ka mid ah kharashka ay guri cusub.
3. Xaaska waa in ay ku filan in ay bixiyaan lacagaha amaahda ah dakhliga si wadajir ah.

Ansixinta ka Bank uu noqon doono u badan tahay haddii aan tixgelin doonna ma aha oo kaliya dakhliga qoyska, laakiin sidoo kale qaraabadooda. Jiidashada sozaomschikov suurto gal. Tirada ugu badan - 4 qof. Haddii qoys carruur, ama shahaadada uu soo saaray "caasimada hooyadiis" ayaa, waxa ay kordhin doontaa fursadahaaga aad u mortgage ah.

waxyaabaha kale amaah

Oo waxa ku saabsan deynta gaariga? Miyaan qaadan amaah ah ee 2014 si aad u iibsato baabuur? Dood ay guushu ku amaah tani ma aha sida xoog leh. Machines, sida horjeeda in hantida maguurtada ah, laakiin ka raqiisan muddo. dulsaarka baabuur on ma aha sidaas sare oo kala duwan celcelis ahaan ka soo 8 ilaa 15%. amaah Vosmiprotsentny waxaa laga heli karaa for iibka ah ee baabuurta cusub ee iibiyayaasha baabuurta qaar ka mid ah, tan iyo soo jeedinta noocan oo kale ah waxaa kobcinaya baahida.

ugu badnaan A ee 15 dulsaarka ee Bank Savings waxaa lagu bixiyaa barnaamij amaah gaariga caadiga ah. xaaladaha Her badan yihiin daacad. Sidaas, aad baabuur ka shaqsi gaar ah, oo loo isticmaalo ka iibsan kartaa, ama waxaad iibsan kartaa mid cusub, laakiin ka category ee noocyada qaali ah. qiimaha Car waa in ay ahaataa in ka badan 750 kun oo rubles.

Sidaa darteed, ka amaah si ay u iibsadaan baabuur waa ka wanaagsan in ay soo saaraan waqti-gaaban - ilaa saddex sano. Markaas dheeraadka ah ma noqon doonto mid la taaban karo marka loo eego hoos u qiimaha baabuurta xilligaas. Sannad kasta, isticmaalka baabuurka qaadataa on qiimaha sale ay qiyaastii 10%. estate Real, on lid ku ah, oo kaliya ka qaalisan muddo. Iska yaree falanqeeyayaasha qiimaha ay ma saadaal wanaagsan.