Mortgage na ala support: Sberbank of Russia. Nzaghachi banyere omume na ọnọdụ nke na-ekere òkè

N'ihi na Russian ụmụ amaala mortgage, na otu aka, ọ bụ nanị ohere chọta ụlọ na ndị ọzọ - ogologo oge n'ụgwọ. Na nsogbu nke 2015 egbochiwo ọtụtụ ohere iji kwụọ ụgwọ nke mbụ. N'ihi na ndị na-apụghị idozi nsogbu ahụ, ichekwa ego na bank oru azụlitewo a mmefu ego ego mmemme. More nkọwa banyere ihe bụ a mortgage na ala (Sberbank of Russia), n'okpuru ihe na ọnọdụ na onye e nyere a ego, na-agụ na.

ọnụ ọgụgụ

Mortgage na ego Bank na gọọmenti, na okwu nke ndị dị iche iche nke ọ bụla n'ógbè, bụ nnọọ ewu ewu. Izu abụọ mgbe mmalite nke usoro ihe omume (18.03.2015) naanị na North Caucasus ihe karịrị 150 ngwa na-osụk. Sberbank lends ahịa ndị ịzụta ụlọ na-ewu ụlọ ọhụrụ. The kacha ego ego bụ 8 nde rubles maka isi obodo na St. Petersburg, ndị ọzọ na mpaghara - 3 nde rubles. Housing rere naanị ụlọ ọrụ iwu kwadoro nyere ikike ịbụ na ezigbo ihe onwunwe. Egwu borrowers na-ebelata. Ha na-achọrọ ọzọ nnochianya. Amụma mkpuchi ihe nwere ike ịbụ na na na ngalaba nke Sberbank of Russia.

Mortgage na ala support ga-nti ruo mgbe ọgwụgwụ nke February 2016. N'oge a, ọ na-zubere na-enye mgbazinye ego totaling 225 ijeri rubles. Dị ka nke November 30, 2015, ya agbala mgbazinye ego 180 ijeri rubles. site 1.5 puku. ngwa. Odika 30% nke ego Bank mortgage ngwaahịa nyere n'okpuru ọhụrụ omume.

Aims nke usoro ihe omume

1. Kpalie ndị na-ewu ụlọ ọrụ.
2. Nyere ụmụ amaala na-edozi ụlọ nsogbu.

Sberbank: Mortgage na ala support

disbursement ọnọdụ ndị dị mfe:

• Down ugwo: 20% nke na-eri nke ụlọ.
• Okwu: 1-30 afọ (yana idobe okirikiri).
• Interest ọnụego: si ruwo 11.9% na rubles.
• Kacha nta ego ego: 45 000 rubles.
• Karịa ego: 3 ka 8 nde rubles. (Dabere na mpaghara).

The ego na-agbala na rubles ịgbapụta onwunwe. Bi nke isi obodo na St. Petersburg pụrụ ịtụ anya 8 nde rubles. Ndị ọzọ ụmụ amaala nwere ike inwe a ego maka a ngụkọta nke 3 nde rubles. Họrọ ihe nwere ike ịbụ n'etiti ụlọ a ga-ewu, njikere mere ụlọ ma ọ bụ site nyere ikike ịbụ mgbere. Mmecha ụbọchị ezigbo ala adịghị mkpa. Documents na họọrọ ụlọ e kwesịrị dịghị mgbe e mesịrị ka ụbọchị 60 mgbe nnata nke mbido mma mkpebi. Ke adianade do, agbazinye alụmdi ga-achọ nke nke ndụ mkpuchi na ahụ ike nke ya ahịa. Min Rate ego Bank mortgage na ala bụ ruwo 11.9%. Ọ dịghị agbanwe agbanwe mgbe ndebanye nke ihe. Ma, ọ na-enwe mmetụta nke nke ala ugwo, okwu nke usoro ihe omume, otu ke ụgwọ oru ngo, a "mma" n'aka akụkọ ihe mere eme n'oge gara aga. maka mgbazinye ego na-enweghị ọrụ. Otu n'ime ihe ndị ọzọ na-akwụ ụgwọ nwere ike na-agụnye: ụgwọ maka ndụ mkpuchi ọrụ na ahụ ike ntule nke enwetara ihe, notarization nke akwụkwọ.

A chọrọ maka na-agbaziri agbaziri

• Age: kacha nta afọ 21, kacha - 55 afọ (inyom) na 60 (madu).
• Russian paspọtụ.
• Ahụmahụ na ikpeazụ n'ebe ọrụ: 6 ọnwa.
• Total ọrụ ahụmahụ: 12 ọnwa.

The ahịa ga-adọta co-borrowers (na di na nwunye, ndị ikwu na ndị enyi). Nke a ga-enyere mfe otuto ibu arọ. The ọzọ "na-enyere aka", na elu na ngụkọta ego, nke a kpebisiri ike site karịa ego nke ego.

The algọridim

Iji tinye maka ikere òkè na ihe omume "Mortgage na ala nkwado (Sberbank of Russia)", ị ga-:

1. Dejupụta a ụdị, a gbasirila nke bụ na ego alụmdi website.
2. Anakọta a ọkọlọtọ set nke akwụkwọ niile sonyere: paspọtụ oyiri, data na-arụrụ ọrụ, 2-olulu.
3. Nye akwụkwọ ọ bụla alaka ụlọ ọrụ nke Sberbank of Russia.
4. Na-echere mkpebi nke ụlọ akụ.

Ke ukem, ọ dị mkpa na-anakọta a abụọ set nke akwụkwọ, nke na-akọ na onwunwe. Ọ na-kasị na-eji dị ka nnochianya. Nnọọ adịkarịghị ekweta iji mmiri ka nnochianya maka ndị ọzọ ụlọ. Dị ka ndị dị otú ahụ ihe na-enye: a akwụkwọ registration, ire na zụọ nkwekọrịta, cadastral paspọtụ, ase banyere enweghị ji na ịkwụ ụgwọ maka ọha utilities, ọmụma banyere tenants.

sonyere

Na ihe mmiri nwere ike inye ngwaahịa "Mortgage na ala"? Ego Bank, "VTB 24", "Gazprom", "Deltacredit", "Bank of Moscow", "Rab". Ọchịchọ isonye na mmemme owụt a 30 abụghị naanị nnukwu kamakwa obere obot. The ike nke ala-ekesịpde ego oru, nakwa dị ka "Communication-akụ", "Absolut Bank", "Renaissance" mgbazinye ego guru nke a ukwuu nke ndị zubere 400 nde rubles. Ihe karịrị ọkara nke a ego na-aga na e si nweta maka Sberbank. Mortgage na ala support n'oge gara aga nsogbu nke 2008-2009 mere naanị site "VTB". The nhọrọ nke ego alụmdi adịghị emetụta okwu nke ego. Ndị na-esonụ iwu maka inweta ego. Na-agbaziri agbaziri ga-akwụ ụgwọ a kacha nta nke ruwo 11.9% kwa annum nke ego. The kacha ụgwọ nke mmiri pụrụ ịdabere na ala, bụ 5.5%. The Ministry of Finance ka ekenyela si mmefu ego steeti 20 ijeri rubles iji kwado ọrụ. Ebe ọ bụ na ọgwụgwụ nke 2015 e gburu ndị ahụ na atụmatụ, usoro ihe omume ngafe ụbọchị akp.

pụta

N'ihi na usoro ihe omume "Mortgage na ala" (ego Bank of Russia) ka dị irè, na mkpokọta na-arụpụta ma. Mgbe i nwere ike na-ekwu okwu banyere ire nke ezigbo ala Ọnọdụ. Ya mere, ọ fọrọ nke nta niile mmepe April 2015 enwere a nkọ mmụba nke ọnụ ọgụgụ nke aka ahịa contracts. The mbụ sonyere nke malitere usoro na-anakọta akwụkwọ January afọ gara aga, ma e yigharịrị oge ogbugbu nke ndibiat ẹkedori a ọhụrụ ngwaahịa. First ịbanye contracts na a kacha nta ego. The ego e ndị na-agụta na n'oge ịkwụ ụgwọ (n'ihi na nke nzọ ahụ abụghị ụkpụrụ na-eduzi), nakwa dị ka ndị bịanyere aka nkwekọrịta maka a mkpirikpi (3-5 afọ) ka e wee ghara ịkwụ ụgwọ mmasị.

Si n'etiti afọ malitere iputa ahịa ndị anya e eyeing maka ụlọ na ụlọ ọhụrụ. N'agbanyeghị belata ina, ọ bụla ọnwa nso nke ezigbo ala na ụlọ na-shrinking. Nke a bụ ìhè karịsịa na na elu ogbo nke readiness ihe, nke na-ere a ụlọ ruo ọtụtụ afọ.

atụmatụ

Ọtụtụ n'ime ndị amụọ bụ site Sberbank. Mortgage na ala support, n'ezie, ka akwalitewo ina ezigbo ala na ụlọ. Ma e nwere ndị ka na ahịa ndị, n'agbanyeghị nkọ dobe na ruble, njikere inye mgbazinye ego, ọbụna na ọkọlọtọ ọnọdụ. Ọ bụrụ na mbụ ahịa na-emeso ke Sberbank, n'ihi na e nwere ndị kasị ala ọnụego, gị ugbu a na-a waiver, ha na-etinye na ndị ọzọ oru, ma ọ bụghị naanị na ala nke usoro ihe omume.

Program ọnọdụ nwekwara gbanwere. Na mbụ, ọ bụ ike na-akwụghachi mbinye ego na 75 afọ. Ugbu a, anyị a ọhụrụ fọrọ - afọ 60 n'ihi na ndị ikom na 55 - n'ihi na ndị inyom. Dị ka Realtors, nkezi afọ ndụ ndị na-agbaziri agbaziri - 25-35 afọ, na nkwekọrịta bụ tumadi maka 10-15 afọ.

ọzọ finpodderzhka

M Kwesịrị wepụ a mortgage Sberbank na ala support? Ajụjụ a ọ bụla nwere gbaziiri bụ ya onwe ya. Developers nwekwara ọgụ ka ọ bụla ahịa. Iji mezuo nke a, ha na-emepe emepe iguzosi ike n'ihe ha omume. Ụfọdụ n'ime ha na-enweta uru na Sberbank mmemme.

Ka ihe atụ, FGC "Onye Ndú" na akụ "mmepe" ulo oru a onyinye ihe omume, ọ bụghị nanị ọchịchị kamakwa site Mmepụta. Usoro na ọnọdụ ndị dị ka ndị: afọ mbụ ndị ahịa na-akwụ 8 ma ọ bụ 10 pasent kwa annum, dabere na ego nke ala ugwo. Site na nke abụọ afọ ọnụego adahade 11,95% ma ọ bụ ruo na ọnụego, nke ga-enye akụ, dabere na-agbaziri agbaziri ego ọnọdụ. Ebe E Si Nweta ike-agbala maka a kacha nke 30 afọ.

CC "Onye Ndú Group"-emezu a mgbasa ozi maka bi na nke isi obodo. Na-azụ ahịa nke ezigbo ala na ụlọ na nkeji iri na ise "Onye Ndú Park" agbata obi "City of Obi Ụtọ" na "frontal-City" bụ a ego nke 12% nke ngụkọta uru nke ihe onwunwe, ma ọ bụrụ na ụlọ a na-enwetara n'okpuru okwu nke nnyefe. Olee kpọmkwem n'aka alụmdi ga-butere, ọ dịghị mkpa.

"Khimki Groups" n'ihu inye nkwado ego ọnụego otu percent. Ya bụ, ma ọ bụrụ na nnyefe na-agbala n'ihi na ala support usoro ihe omume, ndị ahịa anaghị akwụ ụgwọ maka ruwo 11.9% na 11%. "City-XXI Century" na "Absolut Bank" melite Mgbakwunye mmemme maka zuo nke ụlọ na mgbagwoju "Life agba" na 11.5%. Urban Group ulo oru ngo "Nkwado na steeti support", nke ndị niile sonyere ọnụego na-belata anọ pasent.

Sberbank. Mortgage na ala support: reviews

Nnukwu drawback, nke e ji ndị sonyere nke usoro ihe omume, - a obere nhọrọ nke ezigbo ala na ụlọ. Na nyere ikike ịbụ site Sberbank borrowers inflated ụlọ ahịa. Ma ọ bụrụ na ị zụrụ na ulo site ọzọ na ụlọ ọrụ, na ọnụego ga-amụba. Nsogbu nke abuo - elu mbụ ugwo. N'okpuru okwu nke ọkọlọtọ usoro ihe omume, na-agbaziri agbaziri nwere ike ime ka 10% na ụdị ihe tupu. Ugbu a, a na ọnụ ọgụgụ amụbawo ka 20%. Nke a pụtara na ọ bụrụ na tupu ndị mmadụ nwere ike ịgụ na "kopeck mpempe" na a residential ebe, ọ bụ ugbu a siri ya ọnụ otu ọnụ ụlọ ma ọ bụ studio ulo. Ọzọ ịsụ ngọngọ - mmasị ọnụego. N'ezie, ọ na-amụba site banyere 1%. A ngụkọta oge nke nnyefe na gọọmenti. Sberbank-adị njikere inye a ego na ahịa site ruwo 11.9%. Na nke a mkpa bụ na ngwụsị nke nkwekọrịta nke ndụ mkpuchi nke na-agbaziri agbaziri ma ọ dịkarịa ala 1 afọ. Mgbe ọnwa 12, na-agbaziri agbaziri ga-eme mkpuchi, ma ọ bụghị na ọnụego ga-amụba ka 12.9%.

N'otu oge, borrowers-asị na mma n'akụkụ. Akpa, preparatory adọ nke niile na-ede n'akwụkwọ abuana ke akụ faili. Ahịa egosi nanị maka na aka n'ime nkwekọrịta. Nke abụọ, ọbụna na insurance ịkwụ ụgwọ kwa ọnwa ugwo bụ ubé elu karịa ugwo maka a yiri ulo.

The ala

Mmefu ego usoro-enye gị ohere ịzụta ihe onwunwe na a preferential mmasị ọnụego (site ruwo 11.9%) ruo afọ 30. Borrowers ejigide nri iji na onodu isi obodo na-ekpuchi akụkụ nke ụgwọ ahụ ga-esi a tax nsiputa. Ma omume nwere ya drawbacks. Akpa, a ole na ole nke na-ekere òkè obot. E nwere nanị 30. Ma de facto na obere n'ógbè obodo nwere ike na-emetụta nanị na "VTB 24" na ego Bank. The abụọ - mbụ ugwo nke 20%. N'ihi na ha tụnyere, ke "TCB" n'ime otu obodo omume nwere ike na-enweta a ego, na-aṅa ihe tupu ugwo nke 15%. N'aka nke ọzọ, ihe ego ga-eme ka a nwere na-agbaziri agbaziri dị ka a ala ugwo, na ala mmasị ọnụego na o nwere ike ịgụ.