Mortgage ( "Raiffeisenbank"): dib u eegista, marka la eego, heerka, bixinta, maalgelinta

Iyadoo horumarinta gudbikaraa oo dhaqan-dhaqaale ee baahida sii kordhaysa ee dadka ee amaahda. Samaynta amaah ka hay'adaha maaliyadeed waxay suuro gelineysaa in la sameeyo baayactan ah, si aad u ogaato lacagta loo baahan yahay waqtiga saxda ah ama iibsadaan guri la mortgage ah. Dad badan oo heshiisyo weyn in laga helo ka mid ah barnaamijyada credit, "Raiffeisenbank" ah.

Waa maxay mortgage ah?

mortgage waxaa xaqiijisatay by hantida maguurtada ah. Waxaa loo isticmaali karaa iibka ah ee amaahda guryaha. Ogol yahay in ay soo saari amaah ah oo leh hal ama ka badan oo heshiis (credit, mortgage). Waxay nidaaminaya xaaladda ka qaybgalayaasha (bangiga - amaahiya, amaahdaana - caydh ah) iyo shuruudaha daynta ee soo celinta. macaamiisha bangiga ayaa waxaa waajib ku ah in bixiyo deynta iyadoo la raacayo jadwalka bixinta, oo ay ku jirto danta haddii aad leedahay deyn. Ururada qaarkood waxay u baahan yihiin helitaanka mortgagor hoostiisa heshiiska amaahda ah in la siiyo guryahooda rahmad. Mortgage daruuri ka diiwaan gashan ee Register State Middoobey ee xuquuqda hantida guurtada iyo xawaalad la.

Sida loo doorto mortgage ku habboon?

Inta aanad macaamiisha mortgage ah waxaa waajib ku ah in ay fuliyaan falanqayn qoto dheer la barbar dhigo jeedinta ee bangiyada kala duwan. amaah Tani waxaa had iyo jeer lagu siiyo muddo dheer, sidaas darteed waxaad u baahan tahay si ay u eegaan oo dhan Gudigga oo muhiim ah:

• suurtagalnimada of-bedbeddelka lacagta ee geedi socodka of deyn bixinta,
• helitaanka lacag dheeraad ah adeegyada amaah;
• xaddiga kharashka la xiriira (tusaale ahaan, qiimaynta qiimaha suuqa oo ka mid ah canshuurta hantida, caymiska, gobolka ballan-ka).

Waxaa sidoo kale waa mid aad u muhiim ah in ay ujeeddo qiimeeyaan loobahanyahay iyo fursadaha u bixinta lacagta haddii ay dhacdo dhib yimaado, sida luma shaqo ama baahida loo qabo daawada. Lagama maarmaan ah in ay leeyihiin xaddiga saxda ah ee lacagta hoos, si ku filan u falanqeeyaan awoodooda samaynta lacagta caadiga ah amaah ah, si ay u doortaan jidka ugu kharash-ool ah oo ku haboon ee bixinta amaahda. macaamiisha waa in si madax-bannaan baari heshiiska amaahda ka hor intaadan saxiixin, oo si cad u fahmaan naftooda qiimaha buuxa ee deynta, wadarta guud ee lacagta dheeraadka ah. Haddii shaki, waa in la tashataa qof qareen ah. Laakiin xaaladaha inta ugu badan ikhtiyaarka ugu fiican ee dhammaan qaybaha macaamiisha - mortgage ( "Raiffeisenbank"). Reviews shaqada ee ururka waa inta badan wanaagsan.

Mortgage "Raiffeisenbank": shuruudaha loo helo

"Raiffeisen" waxay bixisaa xaaladaha wanaagsan loo helo amaahda. amaah Tani waxay awood u siin doona in ay ballaariso meel nool, iibsato guri cusub dulsaar fiican oo aan barbaro waraaqaha loo baahnayn. Si aad u furato heshiiska amaahda ah ee "Raiffeisenbank", waxaad u baahan tahay si ay u diyaariyaan baakadka of waraaqaha si ay u caddeeyaan loobahanyahay.

Faa'iidooyinka dalabyo credit

"Raiffeisen Bank" ayaa sameeyay shuruudaha fiicnayn for mortgage ah. Macmiilku waxa uu dooran kartaa xulashada ugu haboon naftooda, ka qaadista hay'ad maaliyadeed faa'ideysatay barnaamijyada mortgage:

1. Dalab ka JSC "Raiffeisenbank" - heerka amaahda bilaabo 11%.
2. ugu yaraan The dhigay dokumentiyo, iyo heerka hoos u macaamiisha spetskategory.
3. saamiyada Ururka la-hawlgalayaasha iyo horumarinta si ay u sameeyaan qiimaha guryaha wanaagsan ugu.
4. Codsiga daynta mortgage waxaa loo arkaa maalmood oo kaliya 2-5.
5. Damaanad ma aha shardi ah mar walba.
6. Marka la fiirinayo codsi dakhliga mortgage ee isqaba waxaa lagu daray.
7. Heshiiska caymiska ka mid noqon kara qaybta ka mid ah oo keliya - oo ku saabsan halista waxyeellada, khasaaraha hantida.
8. lacag dheeraad ah bixinta hore ee aan amaahda. Tani dhaqanka ee "Raiffeisen Bank" (St. Petersburg). Mortgage si weyn u fidiya awoodaha ee macmiilka.
9. bangiyada Internet lacagta qaadashada fudud.

Intaa waxaa dheer, bangiga ayaa macaamiisha dalab mushahar gaar ah. Waayo this category ee deynsanaya si loo yareeyo liiska dokumentiyada looga baahan yahay (loo baahan yahay oo kaliya baasaboor iyo SNILS). Laakiin waxaa jira shuruudo dheeraad ah: waayo-aragnimo at meel isku mid ah ugu yaraan 3 bilood, iyo wadarta - aan ka yarayn 1 sano, la'aanta ah ee ay ganacsiga, mushahar la wareejiyo qaabka guud ee mashruuca mushaarka iyo waxaa loo tixgeliyaa sida isha keliya ee dakhliga.

Xirmada dukumentiyada amaah on hantida maguurtada

xawaaraha mortgage waxay ku xiran tahay waafaqsan macaamiisha, qeybinayay xirmo buuxda oo waraaqaha. Sida caadiga ah, waxaa ka mid ah:

• foomka codsiga,
• dokumantiyada shaqsiyeed (baasaboor, shahaado caymiska caymiska hawlgabka qasabka ah, ogolaanshaha in nidaaminta xogta shakhsiga ah, shahaado guur);
• xogta ku saabsan shaqada (buugga shaqada ama heshiiska shaqada, shahaado of attorney);
• waraaqaha dakhliga - 2-god, god 3, hadal of account bangi oo burburo of caga lacagta caadiga ah, war dakhli ah qaab xor ah, laga soosaaray ka USRRE;
• macluumaad ku saabsan mawduuca of rahaamadda ( "Raiffeisenbank", St. Petersburg). Mortgage bixisaa Doorashadan ma aha had iyo jeer kiiska.

set A of waraaqaha caadiga ah waa, ururinta ma keeno dhib aad u badan. Mid ka mid ah ikhtiyaarka ugu faa'iido badan - waa mortgage ah ( "Raiffeisenbank"). -celin Customer had iyo jeer waa ay wanaagsan tahay.

dulsaarka iyo bixiso daynta ee "Raiffeisenbank"

The xiiso heerka on amaahda ku xiran tahay barnaamijka deynta iyo xaaladaha ay. Ka hor inta doorashada ugu dambaysaa, waxaa lagama maarmaan ah inaad wax ka barato waxa ay si taxadar leh farta. Xaaladaha qaarkood, dulsaarka iyo qiimaha ay kordhin kartaa. Xisaabiyo qiyaas amaah ah, waxaad isticmaali kartaa adeegga internetka gaar ah. Hindisaha Taas ayaa ka dhigaysa barnaamijka "Raiffeisenbank" - Mortgage. Calculator kuu oggolaanaysa in aad xisaabiso amaahda waxaa laga heli karaa adigoo gujinaya on tab ah "Private - Mortgage". Haddii loo baahdo, waa in aad isticmaasho adeegyada shirkadaha guryaha lamaanahaaga. Si ay u bartaan liiska qaybta "Mortgage -. Partners"

Noocyada barnaamijyada mortgage ka "Raiffeisenbank"

Hay'ad maaliyadeed waxay bixisaa dhawr nooc oo ah barnaamijyada mortgage. xaaladaha kala duwan iyo dulsaarka iyaga on bixisaa a "Raiffeisen Bank". Amaahda guryaha labaad ayaa la eego wanaagsan dheeraad ah oo macaamiisha. Dhammaan barnaamijyada la heli karo waxaa lagu soo bandhigay shaxda hoos ku qoran:

Tallaabada ugu horreysa ee diiwaangelinta - Codsiga mortgage ah. "Raiffeisenbank" waxay fursad si ay u diyaarin, si aad u hesho tashi shakhsi online ama adigoo la xiriiraya laanta bangiga. Waxaa muhiim ah in la xasuusto in fulinta heshiiska caymiska waa waajib furitaanka mortgage ah. xaaladaha ay kala duwan yihiin oo ay ku xiran tahay nooca barnaamijka amaah. Kuwaas waxaa ka mid noqon kara caymis ka dhanka ah khatarta dhimashada ee amaahdaana, mortgagor, naafo joogto ah, halis u ah khasaaraha, burburka hantida ama kaliya qayb ku saabsan khatarta caymiska khasaare, dhaawac.

Laakiin haddii ay dhacdo dambe waxaa la kordhin doonaa dulsaarka in 0,5-3,2% xiran tahay da'da macmiilka. Haddii la doonayo, inta lagu guda jiro muddada shirkadda caymiska ee heshiiska amaahda ah waxaa lagu beddeli karaa, laakiin xaalada waa inay u hoggaansamaan shuruudaha guud ee xaaladaha caymiska, taas oo ka dhigeysa barnaamijka "Raiffeisenbank" - Mortgage. Calculator ay website si ay u caawiyaan la xisaabiyo qiyaas.

Hababka bixinta

lacagaha joogtada ah u bixisid amaahda bixiyaa qaab wanaagsan firfircoon waajibaadka amaahdaana ee bangiga iyo yareeyo khatarta ka mid ah raasamaal oo xiiso rigoore. Haddii loo baahdo, macmiilka bedeli kartaa, qabsadaan jadwalka bixinta, heshiis la maamulka bangiga gaarey, oo aad u fududahay naftaada bixinta amaahda. Siyaabaha loo bixiyo deynta xoogaa. Qofka dooran kartaa ugu raaxo iyo faa'iido naftooda:

• boosteejada POS, ATM, "Raiffeisenbank", "MDM Bank" oo leh shaqada «Lacagta caddaanka ah ee»;
• Bedelka in kaarka bangiga oo kale ama silig kala iibsiga si ay hay'ad maaliyadeed xisbiga saddexaad;
• lacag caddaan ah "Raiffeisenbank";
• boosteejada, ATM "QASHIN" iyo "Moscow Credit Bank",
• boosteejada "Kiwi";
• lacag xawilaad ah iyada oo loo marayo nidaamka lacag bixinta "Golden Crown";
• iyada oo loo marayo nidaamka Raiffeisen Connect (RC).

Waa in la xusuusnaado in siyaabaha kala duwan ee tarjumaadda lacag xisaabtaada bangiga ku xiran guddi kala duwan yihiin. Si looga fogaado kharashka loo baahnayn, xulashada waa in ay tixgeliyaan oo keliya ma aha gargaarka lacagta, laakiin midka this. bixinta hore ee amaahda , "Raiffeisenbank" kuma dallacdo komishanka, laakiin macquul waa in la cayimay in ay heshiis amaah ah.

amaahdaana ayaa loo baahan yahay si aad u dalbato in Xarunta Macluumaadka Bank la bayaan qoraal ah. Go'aanka waa la qaadi doonaa labada isla maalinta ama soo socda, shardi tahay in uu u shaqaynayo. Sida iska cad, shuruudaha credit fiican bixiya amaahda ( "Raiffeisenbank"). dib u eegista Customer kaliya xaqiijin this.

Haddii aad dhib la soo celiyo isagoo

bixinta amaahda - habka aad u dheer. macmiilku waa inay buuxiyaan waajibaadkeeda iyo lacagaha kala iibsiga waqtiga la raacayo jadwalka shakhsiga ah. Haddii aad dhibaato bixinta waqtigii amaahda kala kulmaan, waxaa lagama maarmaan ma aha in ay isku uruursadaan daynta iyo sii darayaan xaaladda. Haddii loo baahdo, waxaad ka heli kartaa shuruudaha loo helo dhigista ah ee lacagta, haddii siyaasadda bangiga amaahda ee barnaamijka gaar ah si bixisaa.

Ka dib markii qoraal macmiilka codsiga la xiriira heli karo waqti si ay u degaan su'aalahaaga ama aan ka helo lacagta loo baahan yahay waxay noqon doontaa. Waxa kale oo aad isku dayi kartaa in ay ku heshiiyaan on beddelo jadwalka bixinta shakhsi, ama, haddii kale, ay u refinance mortgage ah.

Features Huang

Haddii loo baahdo, macaamiisha refinance kartaa deyn bangiga kale ama isticmaalin waxyaabaha credit ah "Raiffeisenbank" - maalgelinta amaahda lacagta qalaad, refinance daymaha bangiyada kale. Ka dib markii codsi ay u baahan doonaan si ay u diyaariyaan xirmo gaar ah dukumentiyada, oo ay ku jirto in la eego dammiin ah. In dheri markan waxaa jira barnaamij ma u maalgelinta amaahda jira.

Mortgage ( "Raiffeisenbank"): dib u eegista macaamiisha

Inta badan macaamiisha ku qanacsan yihiin heerka adeegga iyo shuruudaha barnaamijyada mortgage of machadkan dhaqaale. Laakiin qaar ka mid ah ma jeclaan shaqo ee shaqaalaha shaqsi Wac-dhexe ee xaaladaha qaarkood ay leeyihiin in ay sugaan liiska dheer ee waraaqaha ka dib codsiga online. Dad badan ayaa sheegay in barnaamijka daynta dhowr sano ka hor la bixiyaa dulsaar si weyn sare, iyo hadda, marka ay dhacday, in refinance amaahda jir ka yar ah, heerarka cusub danta wanaagsan dheeraad ah, ma suurtowdo.

"Raiffeisen Bank" waxay bixisaa barnaamijyo dhowr ah mortgage qaba xaalado kala duwan oo dalabyo gaar ah. Macmiilku waxa uu dooran ugu haboon naftooda, ka bixi kartaa foomka codsiga ee internetka ah oo aan haysan si ay u booqdaan bangiga ka dibna si ay u diyaariyaan xirmo dokumentiyo. Haddii aanay jirin dhibaatooyin si ay u ansixiyaan mortgage maalmood oo kaliya ka dib markii 2-5. Si dhakhso ah loo xisaabiyo mortgage ( "Raiffeisenbank") si ay uga caawiso adeeg online gaar ah.