Waa maxay waraaqaha loo baahan yahay canshuur

Ma aha qof kasta waa og yahay in marka aad gadaneyso milkiilaha guri dabaq ah wuxuu xaq u leeyahay in ay soo ceshadaan qayb ka mid ah kharashka. Iyo gaar ahaan ma oga xaaladaha waxa lacagta dib, waxa waqtigaas iyo waxa waraaqaha loo baahan yahay canshuur. The credit canshuurta ugu badan waa 13% ee qiimaha iibka, laakiin waxaa laga yaabaa in aanay ka badan 260 kun oo rubles. Waxaa soo baxday in kharashka ugu badan ee guri dabaq ah, kaas oo la heli karaa gunnada - laba milyan oo rubles.

Si kastaba ha ahaatee, nidaamka this waxay leedahay dhowr cillado muhiim ah. First, canshuur laga heli karaa oo keliya hal mar ay noolyihiin in saamiga aqalka. In si kale loo dhigo, haddii ay heleen odnushka $ 1.5 million ka diiwaan gashan saamiyada loo siman yahay si ay nin iyo naag, xaaska mid kastaa wuxuu heli doonaa 97 kun oo wax yar la.

laga jaray kale - wadarta mushaarka hal mar, iyo inta badan, size of taas oo ku xiran caddadka lacagta canshuurta mushaarka badan muddo la soo dhaafay. In si kale loo dhigo, haddii milkiilaha guriga ee 2011 ayaa 30 kun oo ka mid ah cashuuraha, ee 2012, wax uu heli karo 30 kun oo canshuurta laga jaro.

khasaare saddexaad - waraaqaha si ay u bixiyaan canshuur keliya waxaa la samayn karaa in sannadka soo socda ee saxiixa heshiiska. Si fudud u gelin, haddii heshiis la saxiixay ee aqalka bishii December 2012, markaas magdhow in March-April 2013. tegi karo Oo haddii guri ka iibsanayay May 2013, waraaqaha canshuurta laga jaro waxaa lagu soo gudbin karaa oo kaliya in March-April 2014 in uu yahay, ku dhawaad ah sanad ka dib.

negative afraad - magdhow la helay karaa hal mar oo kaliya ee nolosha, runta, sida ay isbeddel ugu dambeeyay ee waalidiinta lacag ka heli kartaa carruurtooda yaryar, haddii ay la qoondeeyey saamiyada ee guryaha ka.

Dhinaca wanaagsan Waa in la ogaadaa laga yaabaa in in ka hadhay waxaa laga heli karaa oo keliya ma la qadarka lacagta ah ee aqalka, laakiin sidoo kale danta on daynta, dabcan, haddii ay wada qaadi aan ka badnayn 2 million.

Waa maxay waraaqaha loo baahan yahay jaro canshuurta hantida for daynta mortgage?

1. iibsiga iyo iibinta guryaha.

2. saxiixday heshiis amaah ah.

3. Ogeysiinta amaahdaana qabtay wareejinta xuquuqda in guri dabaq ah oo ku saabsan amaahda.

4. Nuqul ka mid ah shahaadada dhalashada ee ilmaha (carruurta) ee.

5. Certificate of diiwaangelinta state of hantida maguurtada ah ee Diiwaangelinta Rugta.

6. amar Payment ka bangiga lacag bixinta ee aqalka helay (bilowga iyo lacagaha final).

7. Schedule of bixinta oo xiiso leh iyo caddeynta bixinta oo xiiso leh ee xilliga canshuurta.

8. Statement of Income 2-god.

9. Details of account ee Bank Savings ah, taas oo lagu soo oogi doonaa jaro.

10. nuqul ka mid ah dhammaan bogagga baasaboorka.

Haddii aqalka la iibsaday oo guur ah, waxaad u baahan tahay soo socda waraaqaha dheeraadka ah ee canshuurta laga jaro: Nuqul ka mid ah shahaadada guurka iyo Afeef ah si aad u hesho canshuur (haddii xaaska ama ma ka heli doonaa karo) ama, haddii kale, codsiga magdhowga ah ee ay wadaagaan. Intaa waxaa dheer, baahida loo qabo in la keeno dhawaaqo dhameystirtay god-3, taas waxaa laga heli karaa labadaba cashuurta, oo waxay ka soo dejisan goobta. Marka milkiilaha yimaado si aad u codsatid jaro canshuurta horay u meel ku qoran war ku saabsan kala iibsiga lacag account ku qeexan iyo codsiga jaro. By habka, sida ay isbeddel ugu dambeeyay ee sharciga, mulkiilaha badalaan hodannimo la heli karaa celiyo waqti isku mid ma aha lacag aad u badan, laakiin qaybood yar bil kasta loo siman yahay ilaa 13% ka mid ah mushaarkiisa. Dhab ahaantii, waa wakhti ah ma bixin doonto canshuurta dakhliga.

Ha illoobin in ka jarista ah waxaa laga sameeyey canshuur bixisay. Haddii milkiilaha / milkiilaha guriga ma bixiyaan canshuur, tusaale ahaan, ka shaqeeya shirkadda mushaar "baqshado" ama waa fasaxa hooyonimada, kuma ay soo noqon doonaan lacagta. Haddii "cad" mushaar sare heshay oo kaliya mid ka mid ah lamaanaha, si aad u hesho jaro ugu macno si buuxda u diyaarin hoy isaga.