Mortgage Vladivostok. Waxaa jira in ku heshaa in ay qaataan deyn ah?

Amaahda ee Vladivostok - waa fursad wanaagsan oo loogu talagalay dadka si ay u iibsadaan guri gaar ah ama in la hagaajiyo xaaladaha guryaha ay.

Dad badan ayaa ka laba labeyn in ay lacag qaadan on credit, ee la xidhiidha dhibaatooyinka soo socda. Laakiin ma barbar dhigi dhibaatada this dhibaatada ee 2008. 2008 - dhibaatooyinka hantidooda, dakhliga ayaa si degdeg ah hoos u dhacay, iyo dulsaarka deynta ayaa ku soo kordhay. Waqtigan xaadirka ah waa ay sabab u tahay xaqiiqada ah in dalal badan oo aan la deyn dadweynaha, kaas oo ay ka soo qaadeen qaban karin. Laakiin maanta, xaaladda ka jirta suuqa amaahda ee Europe, saameyn ah kuma laha suuqa Ruush. Dabcan waxaa jira dhinaca xun ee xaaladda hadda jirta - heerka amaahda kordhay. Laakiin waxa uu saameeyey ma qararkiisa oo dhan, laakiin kaliya kuwa ay bixiyaan daymaha muddo gaaban.

AHML (Agency for Housing Mortgage amaahda) ku bixiyeen barnaamijka loo yaqaan "Wax kicinaya". Waxay kordhinayaan in xaqiiqda ah in bangiyada badan yihiin diyaar u siin amaahda guryaha, ama iibka ah ee guryaha ku dhameysatay. Sidaas darteed, in quarter 3aad ee 2011 arkay kabashada ah in suuqa dhismaha. About 403.000 guryaha iyo 35 million mitir oo laba jibbaaran. Guryaha la siiyey galay hawlgalka ee muddada January-September 2011. Tani waxa ay ahayd 103.2% muddada u dhiganta 2010 gabagabo waa - jiro soo kabashada suuqa.

Barnaamijkan waxaa loogu talagalay si loo hagaajiyo xaaladda dhibaatada ka jirta 2008. Si aad u taariikhda, barnaamijka "niyad" ee loogu talagalay in lagu caawiyo amaahda guryaha cusub. Ujeedada - kordhinta tirada hantida, taas oo la xidhiidha doonaan fasal dhaqaalaha. Natiijada barnaamijkan soo noolaaday mashaariic horay u ahaayeen suurto gal ahayn, waayo, waxay lahaayeen ugu danbeysay ee soo daahay ee guryaha galay hawlgalka. Maanta, dad door bidaan in ay iibsadaan mitir ee guryaha multi-dabaq, oo kaliya sababtoo ah waxay leeyihiin ma doorasho kale. Waxaa jira tiro badan oo dadweynaha, kuwaas oo ku faraxsan in ay helaan guryaha low-kaca yihiin, laakiin waa keliya haddii ay jiri doonaan gaadiidka a horumariyo iyo kaabayaasha bulshada, loo baahan yahay dadka ku nool bulshada casriga ah. Waqtigan xaadirka ah, helitaanka guryaha loogu talagalay muwaadiniinta ka dhignaan doontaa fursad sii kordhaya in ay qaataan credit heli karo iyo guri iibsado qiimo ah la awoodi karo. Laakiin guryaha ee maalmaha weli waa mid aad u qaali ah. Xalka in dhibaatadan - dhismaha guryo cusub oo dheeraad ah (taas waa in is ogow of gobolka).

Waxaa lagu soo gabagabeeyey karaa in kuwa doonaya in ay guri jiro niyad ah ee muwaadiniinta u iibsadaan, maxaa yeelay, gobolka waxa uu isku dayayaa in uu sameeyo wax kasta oo suurto gal ah in sidaas la sameeyo.

Haddaba Vladivostok mortgage dalab 17 magaalo bangiyada ganacsiga, iyo mid kasta oo uu leeyahay ay barnaamijka mortgage u gaar ah, oo ka mid ah barnaamijyadan, waxaad dooran kartaa ugu haboon ee aad u. Vladivostok bangiyo ganacsi bixiyaan daymaha amaahda xaaladaha kala duwan, daymaha sida laga heli karaa in bangiyada sida "Vaud Generale Vostok", "Sberbank of Russia", "Primcotsbank", "ATB", "VTB 24", "Dalcombank", "Bank of Moscow" , "Beeraha Bank", "Raiffeisen Bank", "TransCreditBank", "Svyaz-Bank", "Banca Intesa", "Bank Maritime", "Far Eastern Bank", "Rosbank", "Orient express Bank", "Gazprombank". Marka aad iibsanayso guri on credit, xulashada bangiga waa mid aad u muhiim ah, sida xaaladaha mortgage waa kuwo kala duwan ee bangiga kasta oo magaalada. Waxaa jira shaqo "calculator mortgage" a, taas oo ku saabsan goobaha of bangiyada ganacsiga ee Vladivostok iyo jidaynayey naftaada si ay u falanqeeyaan faa'iidada iyo khasaaraha of daynta. Laakiin weli ka badan faa'iido u jeedin Somailand mortgage kaa caawin kara inaad qaadato amaah ah oo ku saabsan shuruudaha wanaagsan ah, oo isna wuxuu idinka soo qaado doonaa barnaamijka mortgage si mug leh. Bangiyada qaarkood waxay ka shaqaynaynaa barnaamij magaalada "qoyska Young Vladivostok", taas oo ka dhigaysa waxaa suurto gal ah in la helo amaahda hantida maguuraanka ah si aad u iibsato guri on shuruudaha wanaagsan leh saamiga qabasho maaliyadeed ah dawladda. Si kastaba ha ahaatee, amaah noocan oo kale ah ma aha wax fudud si aad u hesho - si ay u caddeeyaan awooda in ay bixiyaan iyo in aad qoyska waxaa si deg deg ah loo baahan yahay guryaha.

Iyada oo taageero ka Somailand mortgage ah, xataa mortgage ah oo aan lacag hoos tagaan gaalada inay noqon dhibaato kuu, haddii ay taasi lagama maarmaan noqon doonaan in ay bixiyaan rahaamad hantida dheeraad ah, ama aan ka helo taageero kale, oo ay ku jiraan damiin ah amaah ah. Si aad u taariikhda, xiisadda 2008 ka dib, hantida maguuraanka ah ee Vladivostok cusboonaadeen, dib u bilaabay dhismaha guryaha cusub, iyo bangiyada in dib loo bilaabo shirkadda daynta mortgage. Bangiyadu waxay bixiyaan dayn ku leh ama ka iman kara ma aha oo kaliya amaahda guri cusub ee Vladivostok hore u wakiishay oo loo dhisay guryo, laakiin sidoo kale guryaha on suuqa sare ee hantida maguurtada. Inkasta oo credit for iibka ah ee guryaha wali waa bangiyo badan soo saaray a dulsaarka weyn, muddo waxaa jiri doona koritaanka qiimaha hantida maguurtada ah, si dayn Vladivostok hadda ka fiican, halka qiimaha hantida maguurtada sii yara deggan.