Mortgage la taageero dawladda: Sberbank of Russia. Warcelin ku saabsan barnaamijka iyo shuruudaha ka-qaybgalka

Waayo, muwaadiniinta Ruushka mortgage, oo gacanta ku hal, waa fursad oo kaliya in ay helaan guryo ku kale - addoonsiga muddo dheer deynta. Xiisadda 2015 ayaa u diiday inta badan fursad ay ku bixiyaan lacagta wajigeeda hore. Waayo, kuwa aan xal u heli karo dhibaatada, baananka ayaa sameeyay barnaamij amaah miisaaniyad. Faahfaahin dheeraad ah oo ku saabsan waxa mortgage ah gobolka (Sberbank of Russia), hoos jira xaalad waxa iyo in Eebe siiyo amaah ah, akhri on.

tirakoobka

Mortgage in Bank Savings ee dowladda, shuruudaha kuwaas oo kala duwan oo gobol kasta, waa mid aad loo jecel yahay. Laba toddobaad ka dib bilowga barnaamijka (18.03.2015) kaliya ee Caucasus Waqooyiga in ka badan 150 codsiyada loo gudbiyey. Sberbank yaridda macaamiisha kuwa ku gatay guryaha ee dhismaha cusub. lacagta amaah ugu badan waa 8 million rubles ee caasimada iyo St. Petersburg, gobollada kale - 3 million rubles. Housing iibiyey oo kaliya in ay hay'adaha sharci aqoonsan in hantida dhabta ah. deynsanaya Halista waxaa la yareeyo. Waxaa lagama rabo rahmad dheeraad ah. Caymiyaan shayga si toos ah waxay noqon kartaa in waaxda Sberbank of Russia.

Mortgage la taageero dawladda oo ansax ah ilaa dhamaadka February 2016 uu noqon doono. Inta lagu jiro wakhtigan, waxaa la qorsheeyay in ay bixiyaan daymaha gaadhaya 225 billion rubles. Sida of November 30, 2015, waxa ay soo saartay deyn 180 billion rubles. by 1.5 kun. codsiyada. Qiyaastii 30% oo ka mid ah waxyaabaha mortgage Savings Bank bixiya barnaamijka cusub.

Ujeedadiisu tahay barnaamijka

1. Kicin warshadaha dhismaha.
2. Ka caawi muwaadiniinta si ay u xaliyaan dhibaatada guryaha.

Sberbank: Mortgage la taageero dawladda

xaaladaha bixinta waa mid fudud:

• bixinta Down: 20% ka mid ah qarashka guriga.
• Term: 1-30 sano (loo dhan yahay).
• dulsaarka, ka 11.9% in rubles.
• lacagta amaah Ugu Yar: 45 000 rubles.
• lacagta ugu badan: 3 ilaa 8 milyan oo rubles. (Iyadoo ku xiran gobolka).

amaah waxaa soo saaray in rubles dammaanad hanti heleen. Dadka deegaanka oo ka mid ah caasimadda iyo St. Petersburg filan kartaa 8 milyan oo rubles. muwaadiniinta kale ka heli kartaa amaah ah isugeyn ah 3 million rubles. Dooro wax ku dhex guryaha ee la dhisi doono, dhismayaasha diyaar-dhigay ama ka iibiya aqoonsan noqon kartaa. Taariikhda la dhammeynayo, hantida maguurtada ah ma ahan. Documents on qolka la doortay waa in la siiyaa aan ka dambayn 60 maalmood ka dib marka la helo go'aanka horudhaca wanaagsan. Intaa waxaa dheer, hay'ad amaahda u baahan doonaa arrinta caymiska nolosha iyo caafimaadka ee macaamiisheeda. Min Rate Savings Bank mortgage gobolka waa 11.9%. Waxa aanu bedelo ka dib markii diiwaan gelinta ee shayga. Laakiin waxaa la saameeyay size ee bixinta hoos, muddada barnaamijka, xubinimada mashruuca mushaharka, a "wanaagsan" taariikhda credit ee la soo dhaafay. amaahda aan guddiga. Waxaa ka mid ah kharashka dheeraad ah ka mid noqon kara: Fiiga adeegyada caymiska nolosha iyo qiimeynta caafimaadka ee shayga helay, nootayo dukumentiyada.

Shuruudaha amaahdaana

• Age: ugu yaraan 21 sano, ugu badnaan - 55 sano (haweenka) iyo 60 (Dadka).
• baasaboor Ruush.
• Experience meel ugu dambeeya ee shaqada: 6 bilood.
• Total aragnimo shaqo: 12 bilood.

Macmiilku waxa uu yeelan doonaan in ay soo jiitaan co-deynsanaya (isqaba, qaraabada iyo asxaabta). Tani waxay kaa caawin doontaa in culeyska credit ah. The "caawiyeyaasha" dheeraad ah, sare ee dakhliga guud, wixii la goostay by lacagta ugu badan ee amaahda.

geynta The

Si aad u codsato ka qaybgalka barnaamijka "Mortgage la taageero dawladda (Sberbank of Russia)", waa in aad:

1. Ku buuxi foomka, muunada ah taas oo ku saabsan website dhaqaale hay'adda.
2. Ururi go'an caadiga ah ee waraaqaha oo dhan ka qaybgalayaasha: nuqul baasaboorka, xogta loo shaqeeyaha, 2-god.
3. Bixi warqad si ay laan ka mid ah Sberbank of Russia.
4. Sugno go'aanka bangiga.

In isku midka ah, waxaa lagama maarmaan ah si ay u ururiyaan go'an labaad ee waraaqaha, taas oo la xidhiidha hantida helay. Waxaa inta badan la isticmaalo rahmad. Aad u dhif ah ku heshiiyaan in ay isticmaasho bangiyada rahmad guryaha kale. Sida laga soo xigtay wax noocaas ah si ay u bixiyaan: shahaadada diiwaangelinta, sale iyo heshiiska waxiibsashada, baasaboor cadastral, waydiinta ku saabsan maqnaanshaha daymaha on lacagaha danabka dadweynaha, macluumaadka ku saabsan kireystayaasha.

ka qaybgalayaasha

In waxa bangiyada bixin karaan wax soo saarka "Mortgage gobolka"? Savings Bank, "VTB 24", "Gazprom", "Deltacredit", "Bank of Moscow", "RAB". waxay doonayaan in ay ka qaybqaataan barnaamijka muujiyay 30 ah ma aha oo waaweyn oo keliya, laakiin sidoo kale bangiyo yar-yar. Saamiga hay'adaha dawladdu leedahay dhaqaale, iyo sidoo kale "Communication-bangiga", "Absolut Bank", deynta "Renaissance" tiriyaa qayb weyn oo ka mid ah la qorsheeyay 400 million rubles. In ka badan kala bar lacagtaas waxaa laga sugayaa inay dhibco Sberbank. Mortgage la taageero dawladda intii lagu jiray xiisadda hore ee 2008-2009 dhaqmeen oo kaliya iyada oo loo marayo "VTB". Doorashada hay'ad maaliyadeed uusan saamayn ku lahayn shuruudaha amaahda. Xeerarka soo socda si loo helo lacag. Amaahdaana bixin doonaan ugu yaraan 11.9% sannadkii of lacagta. magdhow ugu badan taas oo bangiyada ku kalsoonaan kartaa gobolka, waa 5.5%. ka miisaaniyadda dawladda ee Wasaaradda Maaliyadda ayaa loo qoondeeyay 20 bilyan oo rubles in ay maalgaliyaan mashruuca. Tan iyo dhamaadkii 2015 waxaa ma ay samayn qorshaha, taariikhda barnaamijka uu dhacayo kordhiyay.

natiijooyinka

Maxaa yeelay, barnaamijka "Mortgage gobolka" (Savings Bank of Russia) waa weli aan dhicin, soo koobo natiijooyinka weli. Inta aad ka hadli karaa oo keliya oo ku saabsan iibinta dhaqdhaqaaqa hantida maguurtada ah. Sidaas, ku dhowaad dhammaan horumarinta si April 2015 waxaa jiray kor u kac wayn ee tirada heshiisyada iibka saxiixay. Ka qaybgalayaasha hore ee barnaamijka waxay bilaabeen inay ururiyaan waraaqaha ee January ee sanadkii hore, laakiin dib loo dhigay fulinta heshiiska u bilowdo soo saarka cusub. First in la galo heshiisyo la miisaaniyad yaraan. amaah qaaday dadkii tirinta on bixinta hore (kaas oo bet ma uu sidaas mabda'a), iyo sidoo kale kuwa saxiixay heshiis muddo gaaban (3-5 sano) si aan loo bixiyo danta.

Laga soo bilaabo bartamihii sanadkii la soo bilaabay inuu soo baxo macaamiisha, kuwaas oo muddo dheer isha guryaha dhismayaasha cusub. Inkastoo dalabka la dhimay, kala duwan oo mid kasta oo ka mid ah bisha hantida maguurtada waxaa sii yaraanaya. Tani gaar ahaan waa cad on marxalad sare oo walxaha diyaar, kaas oo guri iska iibiso dhowr sano.

Features

Inta badan heshiisyada, waa iyada oo loo marayo Sberbank. Mortgage la taageero dawladda, dabcan, ayaa ku dhiira galiyay dalabka hantida maguurtada ah. Laakiin waxaa weli jira macaamiisha, inkastoo dhibicda fiiqan ee Ruble ah, diyaar u ah inay soo saarto deymaha, xataa xaaladaha caadiga ah. Haddii macaamiisha hore loola dhaqmo Sberbank, maxaa yeelay, halkaasaa ahayd heerka ugu hooseeya, oo aad hadda u hesho kacafis, ay codsanayso in hay'adaha kale, oo ma aha oo kaliya on gobolka ee barnaamijka.

xaaladaha Barnaamijka ayaa sidoo kale beddelay. Markii hore, waxa suurto gal ahayd inuu dib u bixiyo deynta ilaa 75 sano jir. Hadda waxaan dhigay marinka cusub - 60 sano ragga iyo 55 - loogu tala galay dumarka. Sida laga soo xigtay Realtors, celceliska da'da amaahdaana - 25-35 sano, iyo heshiiska inta badan waa 10-15 sano.

finpodderzhka dheeraad ah

Miyaan qaadan mortgage Sberbank la taageero dawladda? On su'aashan amaahdaana kasta oo iman kara qudhiisu waa ka mas'uul. Horumarinta sidoo kale waxay leeyihiin si ay ula dagaalamaan for macaamiisha kasta. Si taas loo gaaro, waxay horumarinta barnaamijka daacad ay. Qaar ka mid ah iyaga ka mid ah waa barnaamij faa'iido Sberbank.

Tusaale ahaan, gudniinka "Hogaamiyaha" iyo bangiga "Furitaanka" ayuu bilaabay barnaamij kaalmo, ma aha oo kaliya dowladda, laakiin sidoo kale by sameeysa ah. Shuruudaha iyo xaaladaha waa sida soo socota: Sannaddii kowaad macmiilka bixiya 8 ama 10 boqolkiiba sannadkii, iyada oo ku xiran caddadka lacag bixinta hoos. Laga soo bilaabo sannadkii labaad ee heerka gaartay 11,95% ama ilaa heerka in, kaas oo bixin doonaa bangiga, taas oo ku xidhan dhaqaale amaahdaana ee. Credit la soo saari karaa ugu badnaan 30 sano.

CC "Group Leader" fuliya olole ah dadka deggan caasimadda. Buyers ah hantida maguurtada ah ee quarter xaafadaha "Hogaamiyaha Park" "City of Happiness" iyo "aad kaliga-City" waa dhimis ah 12% qiimaha guud ee guriga, haddii guryaha la helay ka yar shuruudaha amaahda. Maxaa si gaar ah hay'ad credit la qandaraas doonaa, waxa macno ah ma.

"Khimki Groups" sii kabay heerka boqolkiiba hal. Taasi waa, haddii deyn la soo saaray barnaamijka gobolka taageero, macmiilka ma bixinayo 11.9% iyo 11%. "City-XXI Century" iyo "Absolut Bank" qotomiyey barnaamijka affiliate ah ee iibka ah ee guryaha ee "Colors Life" oo adag at 11.5%. Group Urban daah-furay mashruuca "Taageerada taageerada dawladda" ka, taas oo dhan heerka ka-qaybgalayaasha waa la dhimay by afar boqolkiiba.

Sberbank. Mortgage la taageero dawladda, dib u eegista

khasaare ugu weyn, kaas oo la calaamadeeyay by ka qaybgalayaasha barnaamijka, - xulashada yar oo ah hantida maguurtada ah. In la aqoonsan by deynsanaya Sberbank sicir barar guryaha. Oo haddii aad guri iibsato iyada oo shirkad kale, heerka kordhin doonaa. Dhibka labaad ee - bixinta sare hore. Sida ku cad qodobada barnaamijka caadiga ah, amaahdaana ka dhigi kartaa 10% oo ah qaab ka hor ah. Hadda tiradaasi ayaa kor u kacay 20%. Taas macnaheedu waa in haddii ka hor dadka tirin karin "gabal kopeck" meel la deggan yahay, waxaa hadda waa adag tahay la awoodi karo hal qol guri ama studio guri. block kale turunturoodo - dulsaarka. Dhab ahaantii, waxaa la sii kordhaya by qiyaastii 1%. xisaabinta A ee daynta dawladda. Sberbank ayaa diyaar u ah in ay bixiso amaah ah macmiilka by 11.9%. In shuruud taasi waa gabagabeeyo heshiiska caymiska nolosha amaahdaana ugu yaraan 1 sano. 12 bilood ka dib, amaahdaana waa in loo cusboonaysiiyo caymiska, haddii kale heerka kordhin doontaa in 12.9%.

Isla mar ahaantaana, deynsanaya odhan dhinaca wanaagsan. First, wajiga diyaarinta of waraaqaha ku lug maamulaha bangiga oo dhan. Macaamiisha si gaar ah u muuqan oo ku aadan saxiixa heshiiska. Second, xataa lacagta caymiska lacagta bil kasta waa wax yar ka badan kirada guri la mid ah.

hoose ee

Barnaamijka Miisaaniyadda kuu ogolaanaya in aad si aad u iibsato guri dulsaar ahaaneed (by 11.9%) ilaa 30 sano. Deynsanaya hayn xaq u leeyihiin inay isticmaalaan caasimada ee hooyonimada si ay u daboosho qayb ka mid ah daynta iyo ka dibna u hesho canshuur. Laakiin barnaamijka waxay leedahay cillado ay. First, tiro kooban oo bangiyada ka qayb. Waxaa jira 30 oo kaliya Laakiin Qolyihii magaalooyinka yar yar ee gobolka codsan kartaa kaliya ee "VTB 24" iyo Bank Savings ah. Shirka labaad ee - bixinta bilowga ah ee 20%. Wixii la barbardhigo, in ay "TCB" gudahood barnaamijka isla gobolka ka heli kartaa amaah ah, bixinta lacag hormaris ah oo ah 15%. Dhinaca kale, lacag ka badan amaahdaana ka iman kara ka dhigi doonaa sida lacag hormaris ah, heerka hoose ee xiisaha uu ku tirin karaa.