Caymiska nolosha la mortgage ama daruuri ma aha?

In waqtiga naxdin leh siyaasadda iyo dhaqaalaha weyn qof walba isku dayayaan in ay naftooda iyo lacagta loo ilaaliyo. No marka laga reebo iyo bangiyada hay'adaha. Tani waa run gaar ah deynta muddada dheer iyo khataraha la xiriira. Mid ka mid ah habka si loo badbaadiyo bangiga maalgashiga waa caymiska. Waayo, deynta muddada dheer, gaar ahaan guryaha, waxa lagu gartaa jid wax ka qabashada khatarta, sida caymiska nolosha la mortgage by.

Doodaha la soo gabagabeeyo heshiiska caymiska

baahida ugu wayn ee wax soo saarka this marxalad ka mid ah waxaa u saxiixay heshiis deyn ah, laakiin bangiga kasta oo soo maratay aragti xun gebogebada sida, si fursadaha helitaanka natiijo wanaagsan ee macmiilka oo aan caymiska u muuqdaan in ay eber. Sababo la xiriira meel ka mid ah bangiga sida ma aha isku day ah in tuuji tirada ugu badan ee lacagta macmiilka, laakiin isku day ah in la ilaaliyo maal. Tan iyo dhimashada sare iyo geedi socodka bulshada xun u tarmin halista amaahda non-fulinta.

Sidaa darteed, heshiis caymis nolosha, xataa ee TT, laakiin waxay shardi u tahay helitaanka natiijo wanaagsan marka loo eego amaahda. Foomka iyo content qandaraaska u xuub kala duwanaan karaan ku xiran ee la doortay ama lagu taliyey by xilli caymiska.

Baahida loo qabo ammaanka noloshooda hay'adaha bangiyada macaamiisha '

Sida caadiga ah, heshiiska caymiska nolosha ma aha bangi, iyo shirkadda loola dan lahaa in la halista ah ee ku fashilmeen in ay soo noqdaan lacag u amaahannay shaqeeyaan. Sidaa darteed, bangiyada inta badan la galo heshiisyo ku saabsan xaaladaha labada dhinacba faa'iido iyo tixraac macaamiishooda in shirkadaha gaarka ah. Baahida loo qabo xiriirka sida ay sabab u tahay soo socda:

- haddii ay dhacdo dhacdo ceymiska la xiriira caafimaadka, lacag macmiilka ka dhigaysa caymisku,

- in ay dhacdo dhimashada ee amaahdaana muhiim ma aha in ay sugaan illaa qaraabada u yimaadeen inay xaq u lahaanshaha,

- khasaaraha ka mid ah loobahanyahay macmiilka waa suurto gal u dhac lix bilood.

Sidaa darteed, caymiska nolosha la mortgage ah waa mid ka mid ah shuruudaha lagama maarmaanka u ah gabagabada heshiiska amaahda ah.

amaahashada Risk transience Caymiska by bangiyada Ruush

bangiyo badan ee Russia, siiyey xaaladda dhaqaale ee aad u kacsan, ka dhigay in ay dastuurka tiro ka mid ah qodobada lagu maamulo habka iyo shuruudaha soo saarida deynta muddada dheer. Request for Research Social "xaaladaha Mortgage bangiyada" muujisay in inta badan bangiyada maanta ka dhigtay joogto ah si aad u hesho natiijo wanaagsan.

In la xidhiidha bixinta this, bangiyada ayaa lagu qasbay in la abuuro-hoosaadyada caymis iyaga u gaar ah ama la galo heshiisyo la shirkadaha caymiska hore u-aasaasay. Dabcan, ka dib markii kharashyadan, bangiyada kor dulsaarka amaahda muddada dheer in ay macaamiishooda.

caymiska mortgage in Sberbank

Sberbank - hay'adda ugu caansan ee suuqa Ruush ah adeegyada maaliyadeed. Iyadoo la raacayo, ururka leeyahay in ay bixiyaan xaaladaha wanaagsan ugu for helitaanka amaahda. Caymiska Life for mortgage ah waa arrin wanaagsan, waayo xal wanaagsan daaweynta macmiilka.

Marka xiriirka credit muddo dheer had iyo jeer waa halis ah in la la'yahay ama ciidan majeure. Sidaa darteed waxaa loo baahan yahay lagama maarmaan u ah qalab sida "Bank Savings:. Amaahda, caymiska nolosha" Qalabkani waxa uu leeyahay saamayn togan ku tirada dalab lagu qanci karo deggan dalka oo doonaya in ay diyaarin mortgage ah. In case of diidmada Savings Bank xaq u leedahay inay dib iyo in kor loo qaado heerka dulsaarka. Marka la eego xaddiga amaahda ugu yar, boqolkiiba this weyn u saameeya qiimaha ugu dambeeya ee xarunta amaahda.

xaaladaha dhabta ah ee aqoonsashada kuwa muddada-dheer ee Bank Savings ah

Marka la eego isbedbedelka ee suuqa lacagta, Sberbank dhigaya heerka cabbirka amaah waqti dheer ah. Tusaale ahaan, hadda heerka dhabta ah ee 14.5%, waa ansax ilaa 28.02.2015. In case of failure of macaamiisha si ay u isticmaalaan "Savings Bank: amaahda, caymiska nolosha" qalab adeeg isaga u kacda heerka in 15.5%.

Laakiin in kasta oo ay Gudigga oo dhan, tirada qandaraasyada soo saaray Sberbank degan meel adag suuqa of deynta muddada dheer. macaamiisha badan oo si qalad ah ay aaminsan yihiin in haddii aad qaadato amaah guri (Sberbank), caymiska nolosha lagama maarmaan. Hadallada ma u dhigma dhab, tan iyo Bank Savings ma ku xad gudubto sharciyo federaalka, kaas oo si gaar ah ayaa muujiyay xaq u leedahay in "caymiska nolosha optional in helitaanka deynta muddada dheer."

Mortgage Caymiska ee VTB

Mid ka mid ah bangiyada ugu soo jiidashada badan ee suuqa waa deynta muddada dheer ee VTB.

Si loo yareeyo ama la baabi'iyo khatarta ka iman karta machadkan soo bandhigay qaar ka mid ah hantida caymiska, taas oo ku xidhan dhererka, nooca iyo qaddarka amaah. macaamiisha iman kara in aad doorato amaah ah shaqaalaha iyo nooca daaweynta hay'adda waxaa looga baahan yahay inay akhriyaan dukumintiga soo socda, "Mortgage: shuruudaha baananka," si ay u dareemaan farqiga iyo dooran foomka ugu wanaagsan ee daaweynta. Qoraalkan waxa kuu ogolaanayaa inaad si aad u aragto oo dhan faa'iidooyinka mortgage VTB ah, iyo sidoo kale barayaa macaamiisha ah la galaan nidaamka "VTB Caymiska".

Features of VTB mortgage

VTB ayaa sameeyay nidaamka caymiska amaah muddo-dheer ah, kuwaas oo ka mid ah waxyaabaha soo socda:

- adagtahay ee tabarucaadka khasabka ah ay sabab u tahay khasaaraha ka mid ah awoodda wax amaahdaana shaqeeya;

- adagtahay ee tabarucaadka khasabka ah ay sabab u tahay dhimashada ee amaahdaana;

- adagtahay ee tabarucaadka khasabka ah ay sabab u tahay dhaawac ama khasaaro ah oo dammiin ah;

- adagtahay ee tabarucaadka khasabka ah ay sabab u tahay xaddidaadda ama joojinta lahaanshaha shayga of rahaamad (muddo saddex sano ah).

Haddii aan heshiis la VTB "Mortgage: caymiska nolosha," ujeedada amaahda amaahdaana noqdo gebi ahaanba la haleeli. Si loo sameeyo alaabta this ugu tara, VTB bixisaa caymiska oo dhamaystiran oo ay ku jiraan khataraha soo socda:

- dab;

- masiibooyinka dabiiciga ah,

- saamaynta hillaac,

- cawaaqibka qaraxa gaaska qoyska;

- saamaynta burburka biyo;

- cawaaqibka dayrta ee walxaha duulaya,

- cawaaqibka falalka sharci-darrada ah.

In keeni kara caddeynta mid ka mid ah xaaladahan, barnaamijka wuxuu bixiyaa magdhow ka mid ah khasaaraha ay size dhabta ah. Haddii lacag ka badan qadarka hantida u fiican, farqiga waxaa la siiyaa amaahdaana.

Kharashka caymiska nolosha la mortgage

Kharashka caymiska nolosha la mortgage a xidhan tahay qodobo badan, laakiin sida caadiga ah aan ka badnayn hal iyo badh boqolkiiba qiimaha ugu dambeeya ee xarunta amaahda. On formation of saamaynta qiimaha:

- galmada (sida haweenka ku nool muddo ka badan ragga, dulsaarka, waxayna ka yar tahay waayo, nimankii);

- category da'da (soohdinta ay da'doodu labaatan inay toddobaatan sannadood ciidamada ka dhexeeya - 45);

- gobolka ee caafimaadka ee amaahdaana (cudurada la iska dhaxlo iyo chronic noqon kartaa caqabad aan laga gudbi karin si ay u helaan deyn a);

- halista ah ee dhaawacyada shaqada la xidhiidha , taas oo ku xidhan nooca waxqabadka;

- danaha (hiwaayadaha isboortiga khatar leeyihiin saamayn taban ku leh dulsaarka).

In xaqiiqada hadda caymiska nolosha la mortgage ah ayaa noqday mid ka mid ah qodobada ugu muhiimsan ee xiriirka ka dhexeeya hay'adaha bangiyada, shirkadaha caymiska iyo macaamiisha kuwaas oo doonaya in ay helaan deynta muddada dheer lacagta shaqsi iyo is. Sidaa darteed, haddii saaray amaahda, caymiska nolosha lagama maarmaan. Ka dib oo dhan, waa faa'iido ma aha oo kaliya in ay bangiyada, laakiin sidoo kale deynsanaya.