Amaah Housing - Kanu waa warka culus ama fursad weyn

Dooda ku saabsan in la qaado oo deyn bangiga si ay u iibsadaan guri ama guri dabaq ah oo wakhti dheer ah ku qaadeen oo, malaha, ay ma idlaan doonaan.

Dadka ka soo horjeeda Mortgage ku doodayaan in this nooca daynta in Russia ay muhiimka ah - addoonsiga, galay, taas oo deynsanaya ah. Tani waxay ka imanaysaa ah dulsaarka ay aad u sarayso iyo, sida natiijo ah, size ee lacagta bil kasta, ee Tiigsadaha in guud ahaan qoyska dakhliga ee qofka ka. Indeed, iyagu waa dhowr jeer ka hooseeya ee Yurub iyo Maraykanka.

Laakiin kuwa ku fikiraysaan inaad qaadato amaah guri, waa ka warqabaan oo dhan dhibaatooyin khatar ah in ay la kulmaan, laakiin waxaa macquul ah oo kaliya si ay u xaliyaan dhibaatada guryaha ka fiirsan. Indeed, si ay u iibsadaan hantida in lacagaha iyaga u gaar ah ma awoodi karo mid ka mid ah, inta ka dhiman su'aal dadka waa kala duwan: jiray cimrigiisii oo dhan si huddle ama bixiyaan "adeer" waayo, guryaha kirada ah ee rajada ah in xaaladda bartey nafteeda loo xaliyo doonaa, ama amaahato lacag Bank oo ku nool gurigiisa. marka laga eego this viewed, fikradda ah waa in la helo amaah guri, mar dambe u muuqataa cabsi. Trite laakiin run, wax walba waa qaraabo.

Mid ka mid ah marka hore, kuwaas oo bilaabay in ay ku dhaqmaan noocan oo kale ah daymaha uu noqday Sberbank. amaah Housing halkaas oo aad ka heli kartaa a xaaladaha si caddaalad wanaagsan. Waxa intaa dheer in barnaamijyada caadiga ah, waxaa jira gaar ah, tusaale ahaan - in refinance amaahda helay hore. Recently, baahida ka mid ah kuwa la siiyey deyn mortgage guryaha dhawr sano ka hor, heerka aad iyo aad u sumadda 20% sannadkii. Maanta, tirooyinkan u muuqdaan kuwo cajiib ah, laakiin xaaladaha waqtiga, option kale aan la heli karin.

Under waxa xaaladaha ka heli kartaa amaah guri

Savings Bank, sida hay'adaha kale ee dhaqaale, siinayaa lacag deyn ah, oo labadoodaba xaqiijiyay hantida maguurtada ah ee hadda jira, iyo mid la soo iibsaday. Sida macluumaadka kale ee la heli karo si hantida amaahdaana ee la oran karo waa sida dammiin.

The dulsaarka ugu yar inta badan ee lacagta qalaad yihiin. In rubles shuruudaha ugu soo jiidashada badan ku bixiyeen in qoysaska dhallinyarada qorsheynaya in ay qaadato amaah guri. Sayidka, Ruble u yeelan doonaan in ay ka bixiyaan 10% sannad ah, iyo muddada ugu badan ee aad amaahan kartaa lacag, waa 30 sano. dalab Tani waa ansax ah qoysaska kuwaas oo da'da ugu yaraan mid ka mid ah lamaanaha kama badna 35 sano. Sida bixinta hoos, ka dibna size ugu yar waa% ee qiimaha hantida ku helay 10 kaliya.

Haddii aan ka hadlo oo ku saabsan deynsanaya, kuwaas oo da'da uu gudbay xadkiisii loogu shan iyo soddon sannadood, ee dulsaarka ku rubles bilaabi doonaa calaamad of 12% ku xidhan nooca daynta, kuwaas oo macno ka yar waxa hantida waxaa la soo saaray. Cabbirka wajigeeda hore waa in kala duwan oo ka soo 10 ilaa 15%. Isla mar ahaantaana, sida caadiga ah, waa guri yar, iyo guryaha hoos dhismaha dheeraad ah.

Dhaqan ahaan, daymaha mashruucyada hantida maguurtada hoos deynsanaya dhismaha ka qaalisan guryaha diyaar-dhigay. Laakiin waqtigan xaadirka ah in Bank Savings yihiin shuruudaha gaarka ah, taas oo galaan deynta ah ee iibka ayaa weli ma dhiibay shayga noqon kartaa ku dhowaad shuruudaha la mid ah sida shayga qaaday guddiga gobolka.

Ama aan aad u hesho credit, waxaa hubaal ah shaqsi ahaan. Si kastaba ha ahaatee, ay sabab u tahay koritaanka joogto ah ee qiimaha guryaha noqon kartaa Meyeydaan si loo badbaadiyo guri ama guri dabaq ah oo ma aysan gaarin ay gool.