Ma heli karaa mortgage ah oo aan lacag hormaris ah in Bank Savings ah?

amaah Mortgage - hadda waa nooca ugu badan ee gadashada guriga. Si kastaba ha ahaatee, sida caadiga ah, raasamaal hore loo baahan yahay in amaahda guryaha. Sida laga soo xigtay barnaamijyada hadda jira ee amaahda mortgage Sberbank si ay u helaan deyn lagama maarmaan ah in ay leeyihiin 15-25% ee qiimaha guryaha. Qoysaska aan lahayn kayd, dabcan, waa la yaabeen haddii aad ka heli kartaa mortgage ah oo aan lacag hormaris ah in Bank Savings ah.

Sida loo helo deyn ah oo aan bixinta

Nasiib darro, ma jiraan wax deyn guryaha Sberbank aan maalgelinta hore, kanna waa la fahmi karo. Banks Ma doonayo in aan halis la siiyo credit ah in qiimaha dhammaan hantida. Ka dib oo dhan, haddii ay dhacdo of failure waa lagama yaabo in guryaha ka iibin doonaa at xaraashka karaa qiimaha uu suuqa.

Weli, waxaa jira fursado loogu talagalay sida aad u heli mortgage ah oo aan lacag hormaris ah in Bank Savings ah:

• Barnaamijka amaahda federaalka qoysaska dhallinyarada ah;
• mortgage caasimada hooyada;
• Huang;
• mortgage military.

Barnaamijka mortgage Federaalka

Barnaamijka State si ay u taageeraan qoysaska dhallinyarada ah waxay fursad si aad u hesho deyn ah oo aan lacag hormaris ah in Bank Savings ah. Waxaa loogu tala galay lamaane halkaas oo mid ka mid ah xaaskaaga ama labadaba ma ka weyn tahay 35 sano. Sidoo kale, hal waalid ee ilmaha (oo qaba xaalad la mid ah). qoyska waa in uu noqdo liis gaar ah si loo hagaajiyo xaaladda guryaha.

Sida ku cad qodobada barnaamijkaan, wuxuu ku salaysan yahay kaalmada ka gobolka ee xaddiga 35% ama 40% ee qiimaha guryaha iibsaday. In 2016 kaalmada keeni doonto hal milyan rubles, haddii qoysku uu leeyahay laba carruur ah, 800 oo kun oo rubles qoyska leh hal cunug, 600 kun, haddii ay jiraan carruur ma lahayn. gargaarka gobolka Tani, waxaad isticmaali kartaa halkii kaydadka asalka ah.

Haddii qoyska buuxiya shuruudaha barnaamijka gobolka "Bixinta guryaha qoysaska dhallinyarada ah", waxa ay noqon doontaa sida ugu fiican ee si aad u hesho deyn ah oo aan lacag hormaris ah in Bank Savings ah. Heerka dulsaarka amaahda ka dhigan doonaa in 10.5% sannadkii, lacagta amaahda - ilaa 8 milyan oo rubles, muddo amaah ah - ilaa 30 sano.

Amaahda kula caasimada hooyada

Ikhtiyaar kale waa in ay qaataan deyn ah oo aan lahayn lacagta hoos - si ay u isticmaalaan caasimada hooyada halkii kaydka. Sidaas ayaad isticmaali kartaa si ay u iibsadaan sida guryaha sare, iyo guryaha ee dhismayaasha cusub iyo dhismayaasha laga dhisayo. lacag caasimada Maternity waa dabooli ugu yaraan 15% ka mid ah kharashka ku iibsaday by amaah guri.

muddo amaah ah, sida inta badan barnaamijyo kale oo - ilaa 30 sano. size amaah u dhaxeysa 300 kun ilaa 15 million rubles. Heerka dulsaarka ee - ka 12,5% sannadkii.

Doorashadan waxa waa ka ugu caansan ee dhammaan siyaabaha aad u hesho deyn ah oo aan lacag hormaris ah in Bank Savings ah. Reviews sheegeen in ay tahay mid aad u dhabta ah.

Mortgage military

Waxaa la siiyaa oo keliya ka qaybgalayaasha nidaamka gaarka ah ee bixinta adeegayaashoodda guryaha. Under barnaamijkan ka iibsan karaan guryaha ka yar dhismaha, iyo sidoo kale guri, guri la degan yahay dalka, guryaha ama gury suuqa sare.

amaah guryaha Tani - suurtogal dhab ah ciidamada ka qaado mortgage ah oo aan lacag hormaris ah in Bank Savings ah. Under barnaamijka of mortgage military ka heli kartaa lacagta ilaa 1.9 million rubles ilaa 15 sano.

Kenny Huang wuxuu mortgage

Service u maalgelinta amaahda waa arrin baahsan maalmahan. Waxaa intaa dheer waxay kuu ogolaanaya in aad si aad u hesho marka la eego amaahda ka raaxo badan, sidoo kale waa fursad si aad u hesho deyn ah oo aan lacag hormaris ah in Bank Savings ah. Reviews isticmaasho adeegan marar badan wanaagsan. Tani waa la fahmi karo, maxaa yeelay, markaan amaahda macaamiisha heli mortgage ah bangiyada ugu wayn dalka ee ilaa 30 sano ee heerka gorgortan ah 13.75% sanadkii la eego lacagta fudud.

In ay taasi dhacdo, Huang - mid ka mid ah fursadaha yar sida si ay u helaan deyn ah oo aan lacag hormaris ah in Bank Savings si hal qof.

Shuruudaha deynsanaya

Macaamiisha doonaya in ay qaataan deyn ah oo aan lacag hormaris ah in Bank Savings waa in uu buuxiyaa shuruudaha qaarkood:

• da'da 21 sano ilaa 75 sano jir (qoysaska dhallinyarada ah - ilaa 35 sano, deynsanaya lahayn xaqiijinta daqliga - ilaa 65 sano);
• waayo-aragnimo guud ee hal sanno, mudada ugu yaraan lix bilood ee ugu dambeeyey;
• ragga ka yar 27 sano jir waa in aanay noqon xiran racfaan.

shuruudaha hantida maguurtada

hantida ka heleen waa in aan la ballan qaaday in guushu labada dhinac saddexaad. lahaanshaha waxaa ka mid ah waa in la rasmi ah oo ka diiwaan gashan xubnaha Register Ruush.

Waxaa sidoo kale jira looga baahan yahay noocyada kala duwan ee hantida maguurtada.

Haddii aynu ka hadlayno wax la dhiso,

• xirtaan waa in aanay ka badan 40%,
• da'da - ka yar tahay 45 sano,
• shan ama in ka badan dabaqyada,
• gobolka waa in ay ahaadaan aan degdeg ahayn,
• guriga alwaax ma aha qalcaddii;
• daboolaa isku qasan, bir ama la taaban karo,
• leben aasaaska, xabbad leben ama la taaban karo,
• goobta tuulada la laanta hadda Bank Savings ah.

Apartment:

• korontada loo baahan yahay, kuleylka, biyaha,
• qaybta hoose aan la aqbali karin iyo dhulka,
• dibu dhiska waa in si rasmi ah diiwaan gashan;
• jikada iyo musqusha oo kala duwan;
• albaabada, daaqadaha, saqafka iyo tuubooyinka waa la yeelin.

guriga Residential dalka:

• goobta tuulada la nidaam kaabayaasha horumariyo, tiro ka mid ah waa in ay noqdaan guryo kale;
• galo in guriga iyo fursad ay ku sii joogo sanadka oo dhan;
• nidaamka loo baahan yahay korontada, kuleylka, biyaha, isgaarsiinta oo dhan;
• u qaadan leben, leben, cement ama aasaas la taaban karo;
• nooca isticmaalka waraaqaha hantida - dhismaha guryaha gaar ah ama dhismaha dacha;
• walxaha taalo waa la diiwaan gelin ee Regpalate.

Xirmada dukumentiyada

documents macmiilka:

• muuqaal qof dabiici ah ama ganacsade amaah;
• amaahdaana baasaboor, xaaskaaga (s), co-deynsanaya;
• shahaadada guurka ama war qoraal ah oo in macmiilku ma aha guursan;
• shahaadooyinka dhalashada ee carruurta,
• waayo, mid kasta oo co-amaahdaana u baahan tahay caddeynta xiriirka;
• shahaadada shaqada,
• diiwaan dakhliga celceliska bishii ee lixdii bilood ee la soo dhaafay,
• shahaado for matkapitala iyo dokumenti ka Fund Pension, isagoo u Rumcyn ay ka hadhay.

Documents on hantida helay:

• dokumentiyo xaqiijinaya lahaanshaha,
• documents-saldhig, waayo xaq u leedahay in hantida;
• soosaaray ka Register State Middoobey in hantida aan la culaysin by rahaamad;
• Qiimaynta madax banaan qiimaha hantida maguurtada ah,
• cadastral iyo baasaboor farsamo;
• xallinta mas'uul ah;
• ogolaanshaha ah xaaska (s) diiwaangelinta of rahaamadda.

Documents on dhagarta dalkii iyo gurigiiba gaarka ah:

• Documents on hantida;
• documents-saldhig on hantida;
• cadastre iyo baasaboor farsamada guriga ;
• dukumentiyada dhismaha horumarka (haddii ay jirto);
• soosaaray ka Register State Middoobey in dalkii iyo gurigiiba aan la saaray;
• baasaboor cadastral dalka;
• qiyaasta of qiimaha suuqa ee dalkii iyo gurigiiba, by khubaro ah oo madax bannaan lagu sameeyo;
• ogolaanshaha ah xaaska (s) si ay u kala iibsiga ee rahaamad bangiga u ah dalka iyo guryaha la tumay;
• shahaado ka soo waaxda heysashada iyo mas'uul ah suuragalnimada in dammiin.

Sidaas darteed, waxaa macquul ah ee iibka ah ee hantida maguurtada ah oo aan kaydadka asalka ah ma heli karaan dhammaan. Si aad u ogaato sida saxda ah in aad ka heli karto mortgage ah oo aan lacag hormaris ah in macmiilku si gaar ah Sberbank, ee raba in ay racfaan gaarka ah si ay laanta bangiga ee la wada takhasus u leh.