Taas oo bangiyada siin amaahda aan lacagta hoos? Halkee ayaan ka heli karaa mortgage ah oo aan bixinta hoos ah?

Qaar badan oo jeclaan lahaa in ay ku noolaadaan oo ay guri u gaar ah. Laakiin qof kasta oo aan lacag si uu u sameeyo lacagta ugu horeysay. Ma jiraan wax la dooran karo iyo in amaahda waxaa suurtagal ah iyada oo aan lacag hormaris ah? The bangiyada ee Moscow ayaa haatan barnaamijyo kala duwan si aad u iibsato guryaha loogu talagalay dadka qaba hawadooda iyo awoodaha kala duwan. Sidaa darteed, dad badan ayaa xiiso u qabta arrinta si nabad ah si wanaagsan uga jawaabi karaan.

Lacagta bilowga ah. Ha aad u baahan tahay? Waayo, waa maxay?

Xaqiiqada ah in lacagta bilowga ah - faraqa u dhexeeya qiimaha amaahda hantida maguuraanka ah iyo qiimaha hantida ku helay, lagu yaqaan in ay dad badan oo. Laakiin sidaas maaha oo dhan ognahay in kiisaska intooda badan, ay saamayn ku size dulsaarka amaahda ah. Marba bixinta, waxa sii badanaya halista ah ee bangiga-taxne oo lacag caddaan ah. Oo yar caddadka lacag bixinta hoos, sare ee dulsaarka.

Haddii aad u malaynayso in mid ka mid ahaa hay'ad credit lacag ma siin doono halista weyn sida, aad tahay qalad ah. Waqtigan xaadirka ah, mortgage aad u dhabta ah oo aan lacag hormaris ah. Taas oo bangiyada saari amaah noocan oo kale ah? Waxaa oo dhan waxay ku xiran tahay waxa software aad leedahay.

Hayso guryahooda? Loo isticmaalo si ay u iibsadaan cusub! Amaahda aan ku lifaaqan

hantida jira uma shaqayn karo sidii dammiinta amaahda. Xaaladdan oo kale, waxaad filan kartaa in celcelis ahaan xaddi aan ka badnayn 70% of miraheeda waynaynin. cadadka ugu danbeeya ee amaahda ku xirnaan doontaa dakhliga amaahdaana ee.

Taas oo bangiyada siin amaahda aan lacagta hoos? ammaanka ee guryaha la heli karo ee "Bank of Moscow" , waxaad qabanqaabin kartaa deyn ah si ay u iibsadaan guri dabaq ah ama guri. estate Real laga iibsan karaa labadaba hoose iyo suuqa sare. lacagta amaah - ka 500 kun ilaa 60% qiimaha hantida dammiin. Marka dulsaarka ay ku xidhan tahay size amaahda hantida maguuraanka ah kala duwan ee kala duwan ee 13.15% in 15,25%.

"Rosbank" amaahda hantida maguuraanka ah ayaa sidoo kale xaqiijistay heli karo hantida maguurtada diyaar u ah inay bixiyaan. "Amaah hantida maguurtada xaqiijisatay by hantida maguurtada ah ee hadda jira - RR" The kuu ogolaanayaa inaad si aad u iibsato qol, aqalka, guri ama dhul heer ah 12.6 in 14.1% sannadkii. Sida ammaanka ee aqalka loo isticmaali karaa, guri gaar ah oo leh dhul ama si fudud dalka. Baanka ayaa ayaa diyaar u ah in ay soo saaraan mortgage ah xaddi aan ka badnayn 80% ee qiimaha waynaynin of rahaamad hantida maguurtada ah. "Rosbank" - mid ka mid ah dhowr ah in ay bixiyaan credit, xaddiga taas oo aan aad uga yar tahay qarashka guriga ee hadda jira.

Intaa waxaa dheer, mortgage noocan oo kale ah la soo saari karaa "Housing Bank Maaliyadda", "Svyaz-Bank", "Alfa-Bank" iyo kuwo kale oo badan.

Mortgage aan lacag la bixinta dheeraad ah

Waxaa macquul kale ee diiwaangelinta - si ay u bixiyaan rahmad dammiin.

Halkee ayaan ka heli karaa mortgage ah oo aan lacag hormaris ah, bixinta rahmad, sida baabuur? Waqtigan xaadirka ah, bangiyada, kuwaas oo aan haysan wax badan. iyaga ka mid ah, "Dhaqaalaha Bank", "Bank of Communications" iyo "BystroBank".

In "Gazprombank" waa barnaamij "Horumarinta ee xaaladaha nololeed." Ayuu mortgage Tani, marka aad aan u baahnayn bixinta hore, laakiin waxa ay leedahay mid ka mid feature. Marka la samaynayo heshiiska amaahda ah oo aad noo ballanqaaday, waayo, 9 bilood in la iibiyo hantida rahaamad iyo lacagta loo keeno score credit ah. Xaaladdan oo kale, lacagta waa in aanay noqon in ka yar 15% cadadka guryaha iibsaday.

processing amaah hoos lacagta asalka ah

Qaar ka mid ah daymaha arrinta bangiyada hoos barnaamijyo gaar ah "lacag bilow ah." Isla mar ahaantaana, bixinta deymaha ah, waxaa laguu bixin doonaa laba amaahda.

Taas oo bangiyada siin amaahda aan lacagta hoos, samaynta soo baxay halkii credit dheeraad ah? Dhab ahaantii, ururada diyaar u yihiin in la siiyo baxay amaahda hoos amaah gaarka ah bixinta hoos, ma aad u badan. Tani waa "Delta Credit" iyo "Moscow Mortgage Agency". Waxaa ugu fiican in ay haystaan fursad ay tani si ay u caddeeyaan taliye bangiga ee, taas oo aad rabto in aad diyaarin mortgage ah.

caasimada Maternity. Waxaan u isticmaali sida lacag hormaris ah marka aad amaahda

Hagaajinta xaaladda guryaha, waxaad isticmaali kartaa caasimada waalidka. Banks ogolaado in aad u isticmaalaan sida lacagta hoos on daynta. Si kastaba ha ahaatee, ma dhammaan hay'adaha credit waxaa isaga la shaqeeya.

Sidaas waxa bangiyada bixiyaan amaahda kula jirin hoos u bixinta, qaadashada halkii caasimada waalidka? Ka mid ah caasimadda qoyska ugu caansan sida lacagta ugu horeeyay ee qaata bangiyada "VTB 24" iyo Savings (ka yar 11% iyo 14% siday u kala horreeyaan). DeltaCredit bangiga waxaa suurtagal ah si ay u helaan deyn ah, bixinta% ka mid ah qarashka guriga oo kaliya 5.

Wakhti aan sidaa u ago hooyada shaqada bangiyada caasimada "NomosBank" iyo "Primsotsbank" bilowday, laakiin waxa ay hore u suurtagashay in ay soo jiitaan dareenka, xaaladaha daacad loo helo amaah mahad.

Mortgage aan lacag hormaris ah ee qaabka guud ee aqoonsashada kuwa ahaaneed

mortgage Tani waxaa laga heli karaa barnaamijka of daynta concessional kharash ku kab gobolka. Laakiin ma aysan dabooli xaddiga badan 10% qiimaha hantida. Intaa waxaa dheer, barnaamijka this kuu ogolaanaya in aad si aad ugu qorshayso amaah ka yar heerka dulsaarka hoos.

daynta Concessional suurto gal ah in joogitaanka shahaadada rumayn xaq u leedahay inaad hesho kaalmo dhaqaale ee size ku qeexan. Qoraalkan waxa la soo saaray by jidhka idman mawduuca RF ah. shahaadada Tani waa ansax ah muddo lix bilood ah.

Waayo, qararka oo dhan ka qeyb qaadanaya barnaamijka, waxaa jira liiska caadiga ah ee waraaqaha loo baahan yahay marka la dalbanayo amaah ah. In ay ka qayb amaahda concessional waxaa lagama maarmaan ah in ay soo gudbiyaan shahaado of 2-god lixda bilood ee la soo dhaafay. Cabbirka lacagta bil kasta waa in aanay ka badan 45% oo ka mid ah dakhliga guud ee ka mid ah wax amaahdaana iyo wada-amaahdaana.

Taas oo bangiyada siin amaahda aan bixinta hoos ku qaabka guud ee amaahda ahaaneed? amaahdaas laga yaabaa in la-hawlgalayaasha kaliya AIZhK. Oo gobol kasta liiska ururada taas oo siin deyn macalimiinta dhallinyarada. Dooro bangiga xaq on goobta of HMLA.

Amaahda macallimiinta dhallinyarada

Macalimiinta, kuwaas oo da'doodu ka yar tahay 35 sano xaq u yeelan karaan mortgage ah oo hoos imaanayey barnaamijka amaahda concessional. dulsaarka sannadlaha ah ee 8.5% on iibka ee guryaha iyo 10.5% on helitaanka guri gaar ah ama guri dabaq ah in wajiga dhismaha.

Taas oo bangiyada siin amaahda aan lacagta hoos macallimiinta dhallinyarada? In Moscow, liiska barnaamijka ee la-hawlgalayaasha oo ay ka mid Interkommerts bangiyada ' "Bank" Petrocommerce ", JSC" Safe House ", JSC" Housing Bank Maaliyadda ".