Ma suurogalbaa in Russia ay qaataan deyn ah oo aan lacag hormaris ah

Mortgage ee Russia waxa uu la xidhiidhaa addoonsiga Meyeydaan, sababta in ay tahay qiimaha sare ee guryaha la barbar dhigo celceliska dakhliga, iyo dulsaarka sare (10% iyo wixii ka sareeya). Sidaas darteed, jadwalka lacag bixinta qoyska celcelis ahaan la soo taagay ku dhawaad hawlgabka. Ereyga celcelis ahaan amaahda - 17 sano. Inta lagu jiro wakhtigan, amaahdaana dhiibayaan laba-saddex jeer kharashka guriga.

Inkastoo amaahda "qaali ah" ee dalka iyo baahida ay heerka inuu xaq yahay. dhibaato ah "kirada ama mortgage" muuqataa mortgage faa'iidada badan sababta oo ah lacagta bil kasta loo soo diray si ay u iibsadaan guryaha iyaga u gaar ah, halkii ay ka baaba'aan galay kharashyada go'an.

Inta badan, amaahdaana dhibaato bixinta hoos ah, laakiin la'aanta waxaa ka mid ah. Maxaa dhacaya haddii lacagta ugu horeysay ee ay amaahda ah aadan u ururay, oo guri dabaq ah mar dambe kiro rabto? Haa, iyo sida loo badbaadin, haddii kirada guriga "cuna" qayb cajiib ah ee howshaasi!? Hel mortgage ah oo aan bixinta hoos ah inta badan u muuqataa in xalka kaliya ee dhibaatadan guryaha deynsanaya badan, laakiin runtii sameeyo? Maxay yihiin dhegyadii iyo dhacyada daynta noocan oo kale ah?

Dhibic muhiim ah - dejiyo mortgage ah oo aan lahayn bixinta ayaa suuragal ah keliya ee suuqa hantida maguurtada ah ee dugsiga sare, sida amaahda guryaha ee qaybta koowaad waxa uu la xidhiidhaa khatarta sare (iibka double, dhismaha muddada-dheer, iwm). Haddii aad ku darto, kuwaas oo khatarta iyo jaaniska of default ee mudada dheer amaah soo saaray iyada oo aan lacag hormaris ah, halista bangiga ayaa weyneeyey. Dabcan, in sida xaaladaha, credit ah urur aan diyaar u yahay oo ma shaqeyn doono.

Amaahda la eber lacagta hoos tahay oo kaliya ku haboon kuwa a mushaharka deggan iyo sare, maxaa yeelay, lacagta bil kasta waxay noqon doontaa sare. Da'da kale oo muhiim ah: waxaa lagama maarmaan ah in si amaah ah ayaa la xidhay ilaa da'da hawlgabka ah wax amaahdaana iyo damiin ay ku.

Sida unbaa ka fiirsan bangiyada, amaahda kula jirin hoos bixinta - ganacsi khatar ah, sidaa darteed dulsaarka uu noqon doono mid ka badan oo ku saabsan amaahda ah kula hormaris ah.

Sidoo kale maanka ku hayo in marka aad rahaamad guryaha u baahan tahay adeega appraiser iyo caymiska guriga.

Waxaa jira laba hab si aad u hesho deyn ah oo aan lacag hormaris ah. Ikhtiyaarka hore - si aad u sameysato in mid ka mid ah bangiga amaah macaamiisha bixinta hoos iyo mortgage laftiisa. dakhliga waa in ay oggolaadaan in laba inuu dib u bixiyo deynta, oo sidaas daraaddeed, doorashooyinkan waa ku haboon deynsanaya leh awoodda wax iibsiga ee sare. Sida laga soo xigtay shuruudaha baananka on bixinta ee amaahda waa in aan tago in ka badan 30% ka mid ah dakhliga saafiga ah bil kasta wax amaahdaana. dakhliga saafiga ah - oo dhan dakhliga diiwaan (mushaharka, lacagaha hawlgabka, gunada, iwm) ka yar deymaha (amaahda, alimony).

Doorashada labaad - in ay soo saaraan rahaamad guryaha kale ee jira. Sayidka waxaa lagama maarmaan ah inay tixgeliyaan in bangiga siin doonaa credit for qadar aan ka badnayn 90% qiimaha iibka, oon ku yareeyo halista ay khasaare ku dhaca ku yimid qiimaha hantida. Bangiyada qaarkood xitaa bixiyaan lacag jiifsaday dad ku dhow guri (waalidiinta sida) ee amaahdaana. Tani jihada of daynta mortgage in baahida sare, sida waalidiinta isku dayaan in ay caawiyaan carruurtooda ku koray, laakiin da'da pre-hawlgabka iyo hawlgabka ma uu oggolaan inay soo saaraan qaab amaah ah muddo-dheer. Making balan qaaday guri labaad, waxaad u baahan tahay in la fahmo in ay dhacdo of dibjirnimada on daynta aad hoos geliyo khatar la'aanta kuwa ay jecel yihiin iyo Khasaariyey Naftooda u tari mitir oo laba jibbaaran. Sidaa darteed, waxaa muhiim ah in diidno qiimeeyo awoodooda, in ay ku kalsoon in ay awooda inay bixiyaan, in ilaalinta muddada dheer iyo koritaanka of dakhligaaga (mushaar).

Sidaas daraaddeed, qaadan mortgage ah oo aan lacag hoos u ah dadka dhalinta yar line-upkii la mushaar rasmi sare, oo leh taariikh credit wanaagsan oo raba inuu ka iibsan kartaa guryaha suuqa sare, iyo horseednimo - isagoo estate a free dareere dhabta ah (ama dhinac saddexaad) ee mortgage labaad.