Maxaa boqolkiiba amaahda guryaha labaad?

Statistics 2016 go'aamiyey hoggaamiyaha Sberbank Ruush in tirada daymaha amaahda soo saaray lacag ay sabab u tahay kalsoonida dad badan. siyaasadda Bank State ee 2017 loogu talagalay in lagu abuuro shuruudaha lagama maarmaanka ah si loo hubiyo in muwaadiniintu waxay fursad si aad u hesho amaahda hantida maguuraanka ah oo dulsaar yar.

Amaahda - taasi waa mid ka mid ah qaybaha ugu muhiimsan ee nidaamka lacagta amaahda loo qoondeeyay. Ka dib markii wareejinta lacag ay ku iibsadaan guryaha hantida maguurtada ah ayaa noqonaya mortgage ah (mortgage) ee bangiga sida damaanad ah bixinta credit. Maxaa boqolkiiba amaahda guryaha labaad?

Fikradda ah dulsaarka

Bank oo dhigaya si shaqsi daymaha amaahda xiiso in lagu siiyo kasta. dulsaarka tahay lacagta waaweyn factor, ay kala duwan oo kala duwan laga bilaabo 7 ilaa 12% daynta lacagta qalaad, oo ka soo 8 ilaa 14% - in credits Ruble ah.

Marka la xisaabinayo qiimaha boqolleyda leeyihiin Gudigga soo socda:

1. UJEEDDO. Qaadashada hantida maguurtada ah. Tani waxay noqon kartaa guri dabaq ah ama guri gaar ah, iyo sidoo kale qayb ka mid ah guriga ama guriga.

2. guryaha suuqa. Xaaladdan oo kale - sare. In uu yahay, guryaha aan la heleen cusub, oo aan weli dhiibay guriga.

3. Dakhliga rasmiga ah ee qaabka of 2-god, ama shahaado qaab bangi.

4. baahan yahay waqtiga. dheer Mortgage sii dheer tahay in deynta macaamiisha.

5. qaybta ugu horeeya. Waxay leedahay qiime ka badan qiimaha guryaha, marka qiyaasta dulsaarka dhaco.

6. In dalacaad iyo dalabyo gaar ah.

Tirada boqolkiiba ee amaahda guryaha labaad waa heer sare ah, waxaa jira dheeraad ah. bixinta dambe The, lacag ka badan lacagta amaahdaana. Tusaale ahaan, in 20-kii sano ee amaahda la bixiyo qiimaha double ee aqalka. Laakiin faa'iido ah waa in qofka ku mudan qol u gaar ah oo ma u leeyihiin in ay bixiyaan lacag dheeraad ah, kiraysato qolka - lacag uu ku bixinta mitir ay square gaar ah ku qaatay.

Mortgage suuqa sare: bangiyada dulsaarka

Dulsaarka amaahda guryaha sare ee 2017 waxay ku xirnaan doontaa arrimaha soo socda:

1. go'an size ee heerka salka by Bangiga Dhexe. Haddaba 11.5% (kor ka bilowda in 11.9%).

2. Habeynta galay hawlgalka cusub ee barnaamijyada dowladda. From ugu horeysay ee January 2017 soo bandhigay isbeddel ah ee sicirada.

3. xaaladda dhaqaalaha.

Barnaamijka filayaa mortgage 2017 in Bank Savings ah - a dalab gaar ah oo ku saabsan maqnaanshaha wajigeeda hore. Dadka u arkaan in ay aad u adag tahay in la kor u soo tiriya qolo ugu horeysay, oo wax dambena weyddiisan lahaa kharashka dheeraad ah oo dheeraad ah caymiska iyo qiimeynta khabiir madax banaan oo hantida maguurtada ah.

Noocyada dulsaarka

Caadi ahaan loo arko heerka go'an oo xiiso leh. Ay peculiarity waa in ay sii isla ereyga oo dhan of daynta.

Waxaa jira heerarka sidoo kale sabayn in kala duwan yihiin heerka celceliska suuqyada xidhka muhiimada Yurub. lixdii bilood ee kasta ama sannad, amaahdaana ayaa sheegay in boqolkiiba qiimaha cusub.

Waxaa jira heerka isku daro, oo isma badelin inta lagu jiro dhowrkii sano ee amaahda ugu horeysay, ka dibna guuro sabayn. Heerka Tani waa faa'iido u amaahdaana, maxaa yeelay waxa ay kuu ogolaanayaa inaad isku uruursadaan lacagaha ka hor ay kala guurka ka midba midka kale.

Interest si gaar ah waxaa loo xisaabaa user kasta oo amaahda hantida maguuraanka ah, oo uu markaas bixin lahaa.

Siidi by dib u eegista ah, noocyada kala duwan leh barnaamijyada dulsaarka ugu yar ee macaamiisha si ay u doortaan Bank Savings ah. Amaahda guryaha labaad (waxa boqolkiiba of bangiga - aan hoos ku wada hadli doonaan) - adeega si caddaalad ah oo caan ah, oo dad badan u isticmaalaan.

Fikradda ah xaafadda sare dhabta ah

Loo yaqaan hoygoodu sare, sharciga ansixiyay howlgalka in markii hore loo adeegsado dadka ku nool dhabta ah.

Resellers - ma aha cusub, iyo meeshii qof ayaa ku noolaa, waa milkiilaha (qof dabiici ah ama sharci ah) wuxuu xaq u leeyahay in la iibiyo.

"Old Fund" jecel yahay oo aan ka yarayn ee baahida badan dhismayaasha cusub. Tan waxa u sabab ah qiimaha badan oo la awoodi karo in muwaadin caadi ah. Intaa waxaa dheer, iibka ah ee guryaha sida waa mid aad u dhakhso ah (ilaa lix bilood).

guryaha noocan oo kale ah u baahan tahay maalgelinta ugu yaraan ka badan aasaasiga ah ee. Waxay ka dhigaysa wixii dayactir yihiin isgaarsiinta joogo.

Plus, kala duwan ee suuqa sare waa mid aad u ballaadhan. Iyada oo la tixgelinayo rabitaankayga shakhsi iyo rabitaanka macaamiisha.

Halista kaliya gadashada hantida this - waxaa lagama maarmaan ah in ay si taxadar leh u hubi dhammaan dokumentiyada iyo milkiilayaasha xisaabaha lacagaha utility.

Tirada boqolkiiba ee amaahda guryaha labaad

Savings Bank siisaa fursad ay ku iibsadaan guryaha labaad mortgage ah oo ku saabsan shuruudaha soo socda:

1. Muddada. Waxay ku xiran tahay barnaamijka hadda. Sidoo kale waxa uu xaq u leeyahay inuu bixinta hore.

2. kaalin bilowga ah (laga bilaabo 15 ilaa 20%). The ka weyn bixinta, heerka dulsaarka yar.

3. amaah ugu Yar (xaddiga 300 kun rubles).

4. ilaha joogtada ah ee dakhliga.

5. Citizenship ee Ruushka.

6. A taariikhda credit wanaagsan.

7. Isticmaalka xaq kabitaanka dadweynaha (caasimada dhalmada, kab qoysaska dhallinyarada ah, lacagta ciidamada mortgage gaar ah).

8. Xisaabinta bixinta deyntu "calculator mortgage".

Haddii aad aaminsan tahay saadaasha ah, dawladda ay sii wadi doonto si loo caawiyo dadka si loo hagaajiyo xaaladahooda nololeed.

Iibso hantida dhammeeyayna

Sberbank go'aamiso boqolleyda amaahda guryaha labaad 12% ee credit ugu yar. Waxay tilmaamaysaa:

• lacagta kaalmada ugu badan - wax ka badan 85% ee ku qiimaysaa hantida iibsaday;

• Muddada amaahda - ilaa 30 sano,

• maalgelinta ugu horeysay ee 20% ee qiimaha.

xisaabinta Interest meel nool sare waxay la mid tahay heerarka ee dhismayaasha cusub.

Helitaanka socodkii aad tirooyinka qiyaasi doonaa miiska oo xiiso on guryahooda labaad.

Tirada boqolkiiba ee amaahda suuqa sare waxay ku xiran tahay farqiyada qarkood:

1. Category of amaahdaana. Dadka aan helin mushahar ku Bank Savings ah, laga barto iyo xataa 0.5 ilaa 1%.

2. Diiwaan-daymaha amaahda (raaciyay kale 1%).

3. caymiska khasabka ah ee nolosha iyo caafimaadka. Intaa waxaa dheer, heerka waxaa kordhay 1%.

Si Loo soo kobo

Maxaa qof ayaa ku yidhi ku saabsan adeegyada Bangiga Savings ah? Dulsaarka amaah guryaha waa had iyo jeer ka hooseeya for noocyada kale ee amaahda, iyo in shuruudaha deynsanaya ma aha had iyo jeer sare. lacagta Lebis iyo, heerka joogto ah danta go'an waxaa had iyo jeer ku guuleystay. Hantida la soo furan karaa ka hor maturity. mortgage boqolkiiba on guryaha sare Sberbank yar (13%).