Kubwereketsa ngongole yanyumba - ndi chiyani komanso momwe mungabwezeretse ngongole yanyumba pamtengo wotsika + zomwe mabanki amapereka bwino pobwezeretsanso ngongole yanyumba ya 2020

Send

Moni, okondedwa owerenga Maganizo a Moyo! Munkhaniyi, tikambirana za kubweza ngongole yanyumba: ndi chiyani, momwe mungapangire ngongole yanyumba molondola, komwe mungapeze zabwino kwambiri zobwezeretsanso ngongole kubanki zina ku 2020.

Mwa njira, mwawona kuti mtengo wa dola ndiwofunika kale motani? Yambani kupanga ndalama pamasiyana pamitengo yosinthira apa!

Mutawerenga nkhani yomwe yaperekedwa koyambirira mpaka kumapeto, muphunziranso:

Kodi ndizopindulitsa kukonzanso ngongole yanyumba konse;
Kodi mawonekedwe a kubweza ngongole yankhondo ndi ati;
Ndi kangati pomwe mungaperekenso ngongole yanyumba yanu ndi zina zambiri.

Komanso kumapeto kwa nkhaniyi, mwachizolowezi timayankha mafunso otchuka kwambiri.

Buku lomwe lafotokozedwali lipindulitsa kuti liphunzire osati kwa iwo okha omwe akukonzekera kubweza ngongole yanyumba, komanso kwa aliyense amene akufuna kupititsa patsogolo maphunziro awo azachuma. Mudzapeza zambiri zothandiza m'nkhani yathu, kotero tikukulimbikitsani kuti muyambe kuwerenga pakali pano.

Werengani za kubweza ngongole yanyumba, momwe mungabwezeretsere ngongole yanyumba kubanki imodzimodzi kapena ina, ndi zikalata ziti zomwe mungafunikire kukonzanso ngongole yanyumba - werengani m'magazini ino

1. Kodi kubweza ngongole yanyumba ndi chiyani - mwachidule lingaliro mophweka + ndi chitsanzo cha kubweza ngongole yanyumba

Kubweza ngongole yanyumba (kapena kubwereketsa nyumba) - Uku ndiko kulembetsa ngongole yatsopano pazinthu zabwino kuti abwezere ngongole yanyumba yomwe analipo kale ndi ndalama zomwe adalandira.

Komabe, wina ayenera kumvetsetsakuti izi sizikukhudzana ndi milandu pomwe wobwereka, posowa ndalama zokwaniritsa ngongole, atenga ngongole yatsopano. Zotsatira zake nthawi zambiri zimakhala ndi ngongole zambiri.

Chimodzi mwazinthu zothandizira kubweza ngongole ndikowonekera kwathunthu. Cholinga chachikulu ndikuchepetsa ngongole yanyumba. Nthawi yomweyo, wobwereketsayo amadziwa chifukwa chomwe wobwereketsa amafunsira ngongole - ndiye kuti pobweza kwathunthu ngongole yanyumba yapano... Nthawi yomweyo, ngongole yatsopano imaperekedwa pamalingaliro omwe ali abwino kwa wobwereka kuposa omwe alipo kale.

Kubwezeretsanso ngongole yanyumba 📎

Tiyeni tinene mkati 2015 chaka ngongole yanyumba idaperekedwa pamtengo 14% pachaka. AT 2020 Chaka pulogalamu yothandizanso ndalama idaperekedwa Sberbank... Mlingo wake unali 9%... Zotsatira zake, ndi kuchuluka kwa ngongole yomwe yatsala, kubweza kwakukulu kudzakhala zochepa⇓ ndi 5% pachaka.

Ngati, momwemonso, kasitomala atenga ngongole pansi pa pulogalamu ina, popeza sangathe kulipira ngongole, sikubwezeretsanso ndalama. Owona ndalama amaona kuti izi sizabwino. Nthawi zambiri, zochita zoterezi zimapangitsa kuti zinthu zizikhala zovuta kale.

Patsatanetsatane wazomwe zimabwezeretsanso ngongole, tidayankhula chimodzi mwazinthu zathu.

2. Mavuto obweza ngongole yanyumba

Kubwezeretsanso ngongole yanyumba ndi njira yabwino ndiyothandiza osati kwa makasitomala okha, komanso kwa obwereketsa. Komabe, ziyenera kukumbukiridwa kuti njirayi ili ndi zovuta zina ndi zina zambiri.

RiskChiwopsezo chachikulu cha wobwereka akabwezanso ngongole yanyumba ndi mwayi wosankha molakwika pazomwe apempha panthawi iliyonse yolembetsa.

Nthawi zina kukana kumabwera pambuyo pa maphunziro oyamba:

kuchenjeza wobwereketsa yemwe adapereka ngongole yanyumba yokhudza kubweza;
kuyitanitsa lipoti pakuwunika kwa malo (omwe, mwa njira, siotsika mtengo);
Kukonzekera mapepala athunthu.

Nthawi yomweyo, banki siyokakamizidwa kudziwitsa wobwereka zomwe zifukwa zakukana.

❗Vuto lachiwiri pakubweza ngongole yanyumba ndikuti kulembetsa kwake sikupezeka kwa aliyense.

Pali zochitika zingapo zomwe sizingakhale zomveka kutsatira:

Mbiri yoyipa ya ngongole. Ngakhale mutalipira ngongole yanyumba yake munthawi yake, mutha kulekerera kuchedwa kambiri, mwachitsanzo, pama microloans. Zotsatira zake, kuyambiranso ndalama kukanidwa.
Kuchepa pang'ono kwakanthawi ndi nthawi yanyumba yovomerezeka. Mabanki ambiri amakhazikitsa osachepera pazinthu izi.
Kukhalapo kwachedwa pa ngongole yanyumba yovomerezeka.
Ngongole idaperekedwa posachedwa. Nthawi zambiri, zofunika kubanki zimaphatikizapo nthawi yocheperako pakubweza ngongole yanyumba. Nthawi zambiri, pamakhala malire osachepera miyezi isanu ndi umodzi.
Ngongole yanyumba idakonzedwa kale.

NextChotsatira chotsatira chimakhudza makamaka kuchotsedwa kwa katundu kubweza ngongole yanyumba. Chowonadi ndichakuti nthawi zambiri, pokonzanso ndalama, mabanki amapereka zophatikizira ngongole zingapo kapena kulandira ndalama zowonjezera. Zotsatira zake, ofesi yamsonkho imatha kuwunika mgwirizano watsopano wobwereketsa zosayenera ndikukana kulipira ndalama zochotseredwa.

❗ Njira ina yolumikizirana ndi omwe amayang'anira misonkho imabuka pakulembetsa kukonzanso ndalama... Chowonadi ndichakuti lamuloli limapereka kuchotsera ngongole yanyumba, komanso kuperekanso ndalama. Komabe, Code Code sikunena chilichonse chokhudza kubweza ndalama mobwerezabwereza. Mwachidziwitso, izi zitha kubweretsa kukana kuchotsera.

Ndikofunikira kuti muphunzire mosamala mitundu yonse ya kubweza ngongole yanyumba. Izi zithandiza kupewa mavuto angapo mtsogolo.

3. Kodi kuli kopindulitsa kubwereketsa nyumba?

Musanasankhe kukonzanso ngongole yanyumba yanu, muyenera kumvetsetsa momwe zingakhalire zabwino.

Kuti muchite izi, muyenera kuwerengera zingapo:

Unikani kuchuluka kwa chiwongola dzanja chotsalira pakubweza kwanyumba. Pachifukwa ichi, mutha kugwiritsa ntchito ndandanda yolipira yomwe idaperekedwa kumapeto kwa mgwirizano. Zomwezi nthawi zambiri zimatha kufotokozedwa pogwiritsa ntchito banki yapaintaneti. Ngati sikutheka kuti mumvetsetse kuchuluka kwa chiwongola dzanja chomwe mungalipire, mutha kupempha satifiketi ku banki.
Kufufuza kuchuluka kwa chiwongola dzanja chomwe chidzaperekedwa pa ngongole yatsopano. Pachifukwa ichi, choyambirira, mudzafunika magawo azomwe mungabweretse ngongole yanyumba mtsogolo. Muyenera kudziwa chiwongola dzanja ndi nthawi. Zikupezeka kuti zidziwitso zodalirika zitha kupezeka pokhapokha ngati kuvomerezedwa koyambirira kwa pempho la kubweza ngongole yanyumba.
Zimatsalira kuwerengera zosunga... Nthawi yomweyo, osati kulipira kokha kokha ngati mutabwezeretsanso ndalama, komanso ndalama zonse zolembetsera ziyenera kuchotsedwa pa chiwongola dzanja chapano.

Zotsatira za kuwerengera zikupezeka, muyenera kudziyesa nokha ngati ndalamazo ndizoyenera kuyesetsa pakubweza ngongole.

Akatswiri amazindikira milandu yotsatirayi ngati kulipira ngongole yanyumba kungakhale kopindulitsa:

Ngongole zomwe zilipo pakalipano zimaperekedwa ndi ndalama zosiyana ndi zomwe amalipira, ndiye kuti, kusinthitsa ngongole yanyumba kukhala ma ruble nthawi zambiri kumabweretsa ndalama zambiri;
Kubwezeretsanso ndalama kumachitika mosakondera, komwe banki imapatsa makasitomala amakampani ndi olipira, komanso magulu ena a nzika;
Ngongole yapano idaperekedwa kalekale, kuyambira pamenepo zikhalidwe za ngongole zanyumba zasintha mokomera wobwereka;
Patsala nthawi yochuluka kuti mgwirizano wanyumba usanathe (ngati zolipirazo zatsala pang'ono kutha, ndalama zomwe zasungidwa pa chiwongola dzanja sizingakwaniritse zolipiritsa);
Pofuna kuchepetsa ngongole, adasankha kuphatikiza ngongole zingapo ndi ngongole yanyumba.

Pakuwunika zabwino za njira zoperekera ndalama, ndikofunikira kutero mosamala momwe angathere werengani zotsatsa pamsika. Mabanki ena sagwira ntchito ndi mitundu ina ya malo. Ngati izi sizikuganiziridwa, nthawi yowerengera zinthu zawo itha kuwonongedwa.

Upangiri Wokwanira Wobweza Ngongole

4. Momwe mungabwezeretse ngongole yanyumba pamtengo wotsika - 5 magawo akulu obwezeretsanso ndalama

Nthawi zambiri, iwo omwe amafuna kukonzanso ngongole yanyumba samadziwa momwe angachitire. M'malo mwake, ndikwanira kudziwa magawo akulu a njirayi yoperekanso ndalama kuti ikhale yopindulitsa komanso yotonthoza momwe zingathere.

Gawo 1. Kupanga zisankho

Kwa obwereka ambiri, gawo loyamba ndilovuta kwambiri. Dongosolo lokonzanso ndalama limakhala lalitali - nthawi zambiri, njira yonse imatenga pafupifupi miyezi 1.5... Ndicho chifukwa chake ena omwe amapereka ngongole yanyumba angavutike kusankha pa izi.

Ntchito yokonzanso ndalama iyenera kuchita ntchito yayikulu. Koma wina amangofunika kusankha ndikuyamba, kenako zimakhala zosavuta. Tinafotokozera kale momwe tingawunikire maubwino obwezeretsanso ndalama. Izi zikachitika, mutha kupitilira gawo lachiwiri mosamala.

Gawo 2. Kusankha banki

Kusankha kwa banki sikofunikira kwenikweni kuposa kuwerengera ndalama zomwe zasungidwa mu njira yowonjezeranso ndalama. Izi zimafuna kuti wobwereka asanthule mosamala momwe alili pachuma.

Choyamba, muyenera kuwunika izi:

malo ake ndi ngongole yanyumba (nthawi zambiri imakhala nyumba, nyumba yachinsinsi kapena Dziko lapansi);
ngati ufulu wa umwini udakhazikitsidwa (pobwereketsa potetezedwa ndi mgwirizano wothandizana nawo, wobwereka alibe satifiketi);
ngati ndalama zakubadwa nazo zidakopeka kuti zikalembetse ngongole yanyumba;
mtundu wa ntchito - yodzilemba kapena kuchita bizinesi;
kaya ntchito yantchito, ngati zingatheke kutsimikizira;
momwe ndalama zimatsimikizidwira - ndi satifiketi ngati wobwereketsa kapena 2-NDFL.

Makasitomala omwe amagwira ntchito yolandila ndikulandila ndalama zovomerezeka, zotsimikizika ndi satifiketi, amakhala ndi mwayi wambiri wosankha pafupifupi kubanki iliyonse. 2-NDFL... Zowonjezera zowonjezera ndikupezeka kwa satifiketi ya umwini.

Ngati likulu la amayi oyembekezera lidagwiritsidwa ntchito kulipira ngongole yanyumba kapena panthawi yolembetsa, ndipo ana amalembetsa kudera lomwe adapeza, sizingatheke kupeza banki yoti adzapatsidwenso ndalama. Zovuta zakusaka zimabweranso ngati ngongole yanyumba yapatsidwa.

Gawo 3. Kuyankhulana ndi banki

Banki ikasankhidwa, ndikofunikira Tumizani ntchito ndi phukusi la zikalata kuti aganizire. Ndibwino kuti muwone mndandanda wamapepala ofunikira mwachindunji ndi wobwereketsa. Chowonadi ndi chakuti banki iliyonse imadzipangira payokha mndandandawu.

Musanalembe fomu yofunsira, muyenera kusanthula nokha. Kuchuluka kwa zolipira pamwezi pamalipiro onse omwe analipo sayenera kupitirira theka la malipirowo. Ngati lamuloli silikutsatiridwa, kulandiranso ndalama kukanidwa. Zikatere, mutha kuyesa kukopa obwereketsa nawo.

Nthawi yakulingalira za ntchito zomwe zaperekedwa kuti adzalandire ndalama idzatsimikiziridwa ndi wobwereketsa. Nthawi zambiri, mabanki amawononga ndalama kuyambira masiku 2 mpaka 5 ogwira ntchito... Komabe, panthawi yakuchuluka kwa makasitomala, mawuwa amatha kukulira kwambiri (nthawi zina, mpaka milungu iwiri).

Kuvomerezeka kwa Banki pantchito yothandizanso ndalama nthawi zambiri kumaphatikizira magawo akulu a ngongole yomwe ikuperekedwa - Zambiri zamakasitomala, ndalama, nthawi ndipo chiwongola dzanja... Nthawi zina, chikalatachi chitha kuwonjezeredwa ndimikhalidwe ya munthu, Mwachitsanzo, chofunikira kutseka ngongole ya ogula.

Gawo 4. Kuvomerezeka kwa malowo

Wobwereka akavomerezedwa ndi banki, m'pofunika kutsata njira yovomerezera malowo (nthawi zambiri zonsezi zimachitika nthawi imodzi kuti zisunge nthawi).

Popeza kugulitsa nyumba ndi ngongole ngati ngongole yanyumba, njira zotsatirazi ziyenera kuchitidwa poyerekeza ndi izi:

Konzani phukusi la zikalata zofunika kubanki;
Unikani malowa ndikuyika lipoti pa zikalatazo;
Lumikizanani ndi kampani ya inshuwaransi kuti mupeze chilolezo kwa ndondomekoyi (izi zimatumizidwanso kwa wobwereketsa).

Kuyesa ndi inshuwaransi, muyenera kulumikizana ndi mabungwe apadera omwe avomerezedwa ndi banki. Mndandanda wawo ukhoza kufotokozedwa mwachindunji ndi wobwereketsa.

Banki ikangolandira zikalata zonse za malowo, malingaliro awo amayamba. Izi zimatenga pafupifupi 2-5 masiku ogwira ntchito. Ngati katunduyo wavomerezedwa, ntchito yothandizanso ndalama imachitika.

Gawo 5. Chitsimikizo chobweza ngongole yanyumba yapano

Ena obwereketsa molakwika amakhulupirira kuti njira yothandiziranso ndalama itha ndikusaina mgwirizano. M'malo mwake, mpaka banki itapatsidwa chitsimikiziro chobweza ngongole yanyumba yomwe ilipo ndipo chikole sichinaperekedwenso, chiwongola dzanja chatsopano chimawonjezeredwa.

Kuti mumalize kubweza ngongole yapa ngongole ndikuchepetsa chiwongola dzanja pa ngongole yatsopanoyi, muyenera kutsatira izi:

Lipirani ngongole yanyumba yomwe muli nayo ndikupeza satifiketi yokhudza izi;
Tengani ngongole kubanki komwe kubweza ngongole;
Kulembetsa mgwirizano ndi MFC - kubweza ngongole yanyumba yakale, kulembetsa yatsopano ndi mgwirizano woperekanso ndalama;
Tumizani zikalata kuchokera ku Regpalata kubanki.

Nthawi zambiri, tsiku lotsatira pambuyo popereka zikalata, banki imachepetsa chiwongola dzanja.

Kwa ambiri, njira yobwezeretsanso ngongole yanyumba ikuwoneka ngati yovuta. Komabe, m'malo mwake, ndizotheka kutulutsa. Malangizo omwe ali pamwambapa amathandiza kuthana ndi ntchitoyi mosavuta komanso mwachangu.

Mndandanda wofunikirako wa zikalata zobwezeretsanso ngongole yanyumba

5. Ndi zikalata ziti zomwe zikufunika pokonzanso ngongole yanyumba - mndandanda wazolemba zofunika required

Banki iliyonse imakhazikitsa malamulo amkati polembetsa kubweza ngongole yanyumba. Kutengera ndi izi, mndandanda wazolemba umafunikira.

Ngakhale izi, pali mndandanda womwe mabanki onse amafunikira.

Zolemba zofunikira pakuthandizanso ngongole yanyumba:

mawu;
pasipoti ya nzika ya Russian Federation;
satifiketi yotsimikizira ntchito ndi kuchuluka kwa ndalama;
zikalata zakunyumba yomwe ili chikole;
mapangano ndi mapangano ena otsimikizira zomwe zikuchitika;
zikalata zochokera kwa wobwereketsa wapano - satifiketi ya ngongole yomwe yatsala komanso kusachedwa kwa kuchedwa, mgwirizano wa ngongole, zambiri pobweza ngongole yanyumba.

Ndikofunikira kuwonetsetsa kuti zolemba zonse zamalizidwa bwino. Kuphatikiza apo, mabanki ena amakhazikitsa malamulo azitifiketi zosiyanasiyana. Pofuna kuti asabwerenso zikalatazo, ndikofunikira kuwunika momwe amasungira.

NKHANI ZABONGOZO ZABWERERE KWA ANkhondo

6. Kubwezeretsanso ngongole zanyumba yankhondo - zazikulu ndi zoyera

Ngakhale kulipira ngongole zanyumba zankhondo kumalandiridwa mokwanira kuchokera ku bajeti yaboma, kuyambiranso ndalama kumathandizanso pakubweza ngongole zanyumbazi. Choyambirira, kumapeto kwa ntchito, kasitomala mwiniyo amalipira ngongole yonse. Zikatero, mwachibadwa kufuna kuchita izi m'njira yabwino kwambiri. Chachiwiri, kwa boma, kuchepetsa kukula kwa ndalama ndikofunikanso kwambiri.

Pakadali pano, masiku ano msika wamagulu obwereketsa asitikali ali pamlingo 10% pachaka. Nthawi yomweyo, zaka zitatu kapena zinayi zapitazo, zinali pafupifupi 12%... Zikatere, kusintha njira yobwereketsa inali vuto lalikulu kwa wobwereka ndi boma.

Asanayambike 2018 kuyambiranso ngongole yanyumba yankhondo sikunaperekedwe. Lero ndizotheka kuchita izi. Komabe, sikuti aliyense akumvetsetsabe ngati ndizomveka kuyambiranso ngongole yanyumba yankhondo, komanso zomwe zili munjira zoterezi.

6.1. Kodi ndizopindulitsa kuti wogwira nawo ntchito yanyumba ayambitsenso ngongole yanyumba?

Kuti mumvetsetse momwe zimakhalira zopindulitsa pakubweza ngongole yanyumba, ndikofunikira kudziwa momwe mitengoyo yasinthira. Pakadali pano pulogalamuyi iyamba mu 2005 Za ngongole zanyumba zomwe zimaganiziridwa, zimayikidwa pa 10% pachaka. Pambuyo pake, chifukwa cha mavuto azachuma, kutsika kwamitengo yamafuta komanso kukula kwa madola ndi yuro, milingo idakulitsidwa ndi mfundo zingapo.

Mu Seputembala 2017 za chaka Banki Yaikulu mlingo kiyi anali kuchepetsedwa kwa mlingo 8,25%... Zotsatira za chisankhochi, mwa zina, zidachepetsa kuchuluka kwa ngongole zanyumba yankhondo m'mabanki ena. AHML ikani pamlingo 9%, Sberbank ndipo Wolemba Gazprombank – 9,5%, VTB 24 – 9,7%... Nthawi yomweyo, kukula kwakukulu kwa ngongole yanyumba yomwe idakambidwa kudakulitsidwa.

Chifukwa chake, iwo omwe adatenga ngongole yankhondo koyambirira kwa mapangidwe ake - mu 2005 chaka, palibe chifukwa poyesera kukonzanso. Mlingo wamasiku ano uli pamlingo wofanana. Ngati kulembetsa kwa mgwirizano wanyumba kubwereka pazaka zovuta, ndikoyenera kuyikonzanso.

Kubwezeretsanso ngongole yanyumba yankhondo kumakuthandizani kuti muchepetse zolipira mwezi uliwonse, komanso muchepetse ndalama zonse zomwe mumalipira ngongole yonse. Njirayi ndi inshuwaransi yabwino kwambiri. Ndikofunika kukumbukira kuti ngati atachotsedwa ntchito, wobwereka amayenera kukonza maakaunti ku banki pawokha.

6.2. Momwe mungabwezeretse ngongole yanyumba yankhondo - pomwe mungayambire

Chisankho chomaliza chobweza ngongole yanyumba chimapangidwa ndi banki. Ambiri sakumvetsabe chifukwa chake kuli koyenera kuyambitsa njira izi, chifukwa zolipira wobwereka zimaperekedwa ndi boma.

Koma musaiwale kuti mu 2015 ndipo 2016 Mndandanda wa zopereka zapachaka zomwe sizinachitike sizinachitike zaka zambiri. Kuphatikiza apo, kuneneratu kwamlingo wake kudatsitsidwanso. Zotsatira zake, pali ngozi kuti asitikali ena adzasiyidwa ndi ngongole kumapeto kwa mgwirizano wanyumba.

Ngakhale pali zina zomwe zachitidwa kuti muchepetse zoopsazi, atha kugwira ntchito kwa iwo omwe adatenga ngongole zankhondo. mpaka 2014... Ena onse obwerekabe ali pachiwopsezo chosiya ntchitoyi ali ndi ngongole.

Kuphatikiza kwakukulu pazomwe zafotokozedwaku kungakhale kutsika kwa mitengo yanyumba. Kukula kwake kumayambira lero kuchokera 8.5% pachaka... Pali kuthekera kwakuti kudzatsika kwambiri mtsogolomo.

Zindikirani! Mosiyana ndi ngongole zanyumba zanyumba zonse, zomwe kubweza ndalama kwakhala kotchuka kwazaka zambiri, njirayi inali yosatheka kubweza ngongole zankhondo. Miyezo ya Rosvoenipoteka, sizinaperekedwe chabe. Pachiyambi kokha 2018 kuthekera kobwezeretsanso ngongole zomwe zikuganiziridwa kunayambitsidwa.

Pakubwereketsa ndalama kuti muchepetse chiwongola dzanja chanyumba yankhondo, mutha kulumikizana ndi onse kubanki komwe adalembetsedwera ndi wobwereketsanso wina. Akamaliza ntchito yokonzanso ndalama, wobwereka adzalandira ndalama zomwe adzagwiritse ntchito kubweza ngongole yomwe ilipo. Pambuyo pake, amalipira ndalama zatsopano ndipo, mwina, ku banki yatsopano.

Akatswiri amalangiza kukonzanso ngongole yanyumba, choyambirira, kulumikizana ndi omwe amakupatsani ngongole komwe adalembetsa. Nthawi zambiri, mabanki amapita kukakumana ndi wobwereka ndikuchepetsa mtengo ndi mfundo 1-2... Lero mchitidwewu umagwira mu Sberbank, Wolemba Gazprombank ndi mabungwe ena angongole.

Mukamalumikizana ndi "banki" yanu kuti ivomereze kuyambiranso ndalama, mbiri yabwino ya ngongole nthawi zambiri imakhala yokwanira. Zikafika pangongole zankhondo, ngakhale izi zimakhala zosafunikira, chifukwa ndalama zimaperekedwa ndi boma.

Ponena za ngongole zanyumba yankhondo, lero Upangiri wa Central Bank pochita mapangano pamtengo wa 8.25% pachaka. Akatswiri amalangiza obwereketsa omwe ngongole zawo ndizoposa mfundo ziwiri kuposa zomwe zanenedwa, kuti alumikizane ndi banki kuti ayikonzenso.

Koyambira pati?

M'dzina la ngongole, muyenera kulemba zoyenera mawu... Sikovuta kupeza mawonekedwe wamba pa intaneti. Ndikofunika kuwonetsa m'malembawo nambala ndipo tsiku lolembetsa mgwirizano wamgwirizano wankhondo... Ndiyeneranso kufotokoza ngati maziko zowona pamlingo wochepetsedwa ndi Central Bank of the Russian Federation.

Kungakhale kothandiza kulemba kuti wobwereketsayo amalipira ndalama za inshuwaransi munthawi yake ndikupereka zikalata zofunikira pokonzanso ndalama. Ngati banki ikana kutsitsa chiwongola dzanja, muyenera kupempha chikalata cholembedwa cha chisankhochi.

Chifukwa chake, mwayi wokonzanso ngongole yanyumba yankhondo sayenera kunyalanyazidwa. Akatswiri amalimbikitsa kuti asitikali ankhondo alumikizane ndi banki osati iwo okha, koma palimodzi. Izi zitha kukakamiza wobwereketsayo kuti achitepo kanthu mwachangu, popeza chiopsezo cha makasitomala ambiri odalirika omwe amapita kumabungwe ena azachuma chidzawoneka.

7. Zabwino kwambiri zakubwezeretsanso ngongole yanyumba yamabanki ena chaka chino - kuwunika mwachidule zopereka za TOP-3 zopindulitsa kwambiri

Kuti musankhe pulogalamu yabwino yothandiziranso ngongole yanyumba, ndikofunikira kupenda ndikuyerekeza zomwe mabanki angapo amapereka. Pokhapokha ngati izi zingatheke kuchita izi bwino kwambiri.

Komabe, si aliyense amene angathe kuphunzira payekha zikhalidwe zamabanki ambiri ndikusankha zabwino pakati pawo. Mulingo wamabanki, wopangidwa ndi akatswiri pantchito zachuma, ungathandize. M'munsimu muli mwachiduleTOP-3 Malingaliro pakubwezeretsanso ngongole zanyumba kuchokera kumabanki ena.

# 1. Sberbank

Sberbank imapereka kubweza ngongole yanyumba ndi kuthekera kophatikiza ndi ngongole zina. Poterepa, ngongole zonse ziyenera kukhala osachepera 1 ndipo osatinso 7 miliyoni rubles... Kukula msinkhu ndi 30 zaka.

Chiwongola dzanja chomwe chimagwirizanitsidwa chimadalira kuti ndi ngongole ziti zomwe zikukonzedwanso. Ngongole zanyumba zokha zikawonjezeredwa, zimayamba kuchokera ku 9.5% pachaka... Ngati ena akuphatikizidwa ndi ngongole yanyumba, ndalama zochepa zimakhala 10%.

Sberbank imakhazikitsa zofunikira zotsatirazi kwa makasitomala omwe akukonzekera kuti azigwiritsanso ntchito ndalama zawo:

Zaka zosachepera zaka 21;
Wobwereketsa ayenera kukhala wazaka zosakwana 75 patsiku lomaliza kulipira;
Mukasaina mgwirizano, nthawi yantchito yomaliza iyenera kukhala yoposa miyezi isanu ndi umodzi.

# 2. Wolemba Gazprombank

Mukaperekanso ngongole yanyumba, nkhani za Gazprombank basi 85% yamtengo woyesedwa ndi katundu wanyumba yanyumba... Poterepa, kukula kwa ngongole yomwe iyenera kuperekedwa kuyenera kukhala pakati pa ma ruble 500 zikwi mpaka 45 miliyoni.

Poterepa, mulingo wakhazikitsidwa pamlingo 9,5-14,5% pachaka. Kukula kwake kumatsimikizika kutengera kulembetsa kwa inshuwaransi. Kukhwima kumatha kukhala mpaka zaka makumi atatu.

Nambala 3. VTB

Kwa mapulogalamu okonzanso ndalama ku VTB, malire ake amakhala ma ruble 30 miliyoni. Malire awa akugwira ntchito mu Moscow ndipo Dera la Moscow, m'zigawo ndizotsika pang'ono. Nthawi yomweyo, pali choletsa - kuchuluka kwa ngongole sikungadutse 80% ya katundu amene awonongedwa, okhala ngati chikole. Ngati nthawi yomweyo wobwereka akufuna kukonza kukonzanso ndalama popereka zikalata zochepa, kuchuluka kwa ngongole kumakhala kochepa 50% ya mtengo woyesedwa.

Mulingo womwe uli pamgwirizano wobwereketsa wakhazikitsidwa pamitundu 9,5 kale 11% pachaka. Kukula msinkhu kumatha kukhala zaka 20-30. Zowonjezera zimaperekedwa kwa omwe amalipira malipiro.

Pakuyerekeza kosavuta kwamapulogalamu obweza ngongole yanyumba m'mabanki omwe akuwonedwa, zikhalidwe zawo zazikulu zimaperekedwa patebulo pansipa.

Kuyendetsa ngongole	Kuchuluka	Voterani	Nthawi
1) Sberbank	1-7 miliyoni ruble	Kuchokera ku 9.5% pachaka mukabwezeretsanso ngongole yanyumba Kuchokera pa 10% - pophatikiza ngongole yanyumba ndi ngongole zina	Osapitirira zaka 30
2) Gazprombank	Kuchokera ma ruble 500 zikwi mpaka 45 miliyoni (osapitilira 85% yamtengo woyesedwa ndi malo)	9.5-14.1% pachaka Mlingowo umadalira kulembetsa inshuwaransi	Pansi pa 30
3) VTB	Mpaka ma ruble 30 miliyoni, koma osaposa 80% yamtengo woyesedwa wamalo ndi 50%, ngati phukusi locheperako liperekedwa	9.7-11% pachaka	Zaka 20-30 (zowonjezera makasitomala amalipilo)

* Kuti mumve zambiri, onani tsamba lovomerezeka la mabanki.

8. Banki imakonzanso m'malo mongobwereketsa ngongole yanyumba - pali kusiyana kotani ndipo zotsatirapo zake ndi zotani

Musanasankhe chisankho pakati pa kukonzanso ndalama ndikukonzanso, muyenera kuphunzira mosamala mfundo ziwirizi. Obwereka nthawi zambiri amawasokoneza ndipo amavomereza njira imodzi m'malo mwanjira ina.

Anthu omwe ali kutali ndi ndalama amakhulupirira izi kuyambiranso ndalama ndipo kukonzanso - makamaka chinthu chomwecho, chifukwa ali ndi cholinga choyambirira. Zimakhala zochepetsa ngongole yanyumba ndikukweza njira zobwezera ngongole. M'malo mwake, malingaliro awa ndi osiyana kwambiri. Kuti mumvetse kusiyana, ndikofunikira kuwafufuza malinga ndi zotsatira zake.

Kubwezeretsanso ndalama yopindulitsa mabanki makamaka pokopa obwereka atsopano. Njirayi imakuthandizani kuti mukokere makasitomala omwe kale adalipira ngongole yanyumba ku mabungwe ena obwereketsa. Izi zimalola banki kukulitsa mbiri ya ngongole zanthawi yayitali, komanso phindu, ngakhale chiwongola dzanja cha ngongole zotere ndizochepa.

Kukonzanso mabungwe obwereketsa amapereka obwereketsa omwe alipo. Njirayi cholinga chake ndi kusunga ubale ndi kasitomala. Komabe, choyambirira, cholinga chakukonzanso ndikuthandizira kubweza ngongole kwa omwe ali ndi ngongole. Njirayi cholinga chake ndikuchepetsa ngongole yanyumba pomwe wolipirayo ali ndi mavuto azachuma.

Kukonzanso kumakonda kugwiritsidwa ntchito ngati pali mwayi waukulu wopalamula, kapena zidachitika kale.

Pali njira zingapo zokonzanso:

Kuchepetsa chiwongola dzanja pansi pa mgwirizano wa ngongole;
Kuchulukitsa nthawi yanyumba;
Kuwerengedwanso kwa nthawi yolipira, kuphatikiza kusintha ndalama zolipira pachaka kukhala zosiyana;
Tchuthi cha ngongole, pamene wobwereketsayo apatsidwa mwayi wochotsera mwina ndi ndalama zonse kapena ngongole yayikulu (ndiye kuti chiwongola dzanja chokha chiyenera kulipidwa kwakanthawi);
Nthawi zina, kulembetsa chindapusa, zilango, ndi zilango.

Mabanki sagwiritsa ntchito nthawi zonse kukonzanso pokhapokha akakhala ndi obwereketsa ovuta. Nthawi zambiri amapereka njira yotere kwa makasitomala omwe adatembenukira kwa iwo kuti adzawathandizenso. Pofuna kuti asataye wobwereka komanso kuti asataye phindu ngati chiwongola dzanja chake, banki imamupatsa kukonzanso.

Zotsatira zake ndi ziti?

Wofuna chithandizo amachepetsedwa, ndalama zomwe amalandira pamwezi zimachepetsedwa. Nthawi zambiri, wobwereka amakhutitsidwa kwathunthu ndi izi. Mavuto amabwera pambuyo pake ngati wobwerekayo asankha kukonzanso ngongole yanyumba ina kubanki ina. Poterepa, choyambirira, wobwereketsa amafunsa ngati ngongole yasinthidwa. Yankho lovomerezeka la funsoli nthawi zambiri limatsatiridwa ndikukana kuyambiranso.

Lingaliro lolakwika pakufunsiranso ndalama limafotokozedwa, choyambirira, ndi cholinga chachikulu chakukonzanso. Popeza njirayi ikuchitika kuti athetse vutoli ndi makasitomala amvuto, banki imakhulupirira kuti wobwereka kale anali ndi zovuta pakupanga ngongole yanyumba. Kwa wobwereketsa, izi zikutanthauza chiopsezo chowonjezeka chosalipira ngongole zomwe wapereka.

Chifukwa chake, ndikofunikira kulingalira mosamala musanavomereze zakukonzanso ngongole yanyumba. Ngati pali zovuta pakupereka ndalama, njirayi imathandizira kuti musataye nyumba (kapena malo ena), kuthana ndi ngongole popanda kuwononga mbiri yanu yobweza ngongole, komanso osalumikizana ndi omwe amatolera ndalama. Komabe, ngati banki yaganiza zosinthiratu kuti zisawonongeke ndalama kuchokera kwa wobwereketsa wina, ndibwino kukana.

Information Zambiri pazokonzanso ngongole pofalitsa wathu wodzipereka.

9. Zomwe muyenera kumvetsetsa mukamaganiza zokonzanso ngongole yanyumba 🔔

Kuti lingaliro lokonzanso ngongole yanyumba likhale lolondola, ndipo njirayi idabweretsa ndalama, ndikofunikira kulabadira upangiri walusowu:

Choyamba, phunzirani zomwe mabanki amapereka komwe mumalandila kapena kasitomala wamakampani. Kwa obwereketsa otere, mabanki nthawi zambiri amakhala ndi zinthu zabwino kwa ena.
Simuyenera kuyamba kupangira kutengera kutsatsa kokha. Nthawi zambiri, zomwe mabanki amapereka zimasiyana kwambiri ndi zomwe amagwiritsa ntchito kukopa makasitomala.
Samalani cholinga cha ngongole, yomwe ikuwonetsedwa mgwirizanowu. Sizingatheke kubwezeretsanso kuchotsera msonkho ngongole yomwe simunalembeke.
Phunzirani za chitetezo cha malo omwe banki inayambiranso ngongole yanyumba.
Musanasankhe zoperekanso ndalama, onetsetsani kuti mwawerengera zabwino zake. Ngongole yayikulu iyenera kulipidwa mulimonsemo, ndalama zomwe zasungidwa ndizosiyana ndi kuchuluka. Pochita izi, musaiwale kuganizira mtengo wa njirayi. Ngati apitilira ndalama zomwe adasungazo, kuyambiranso ndalama sikupindulitsa.

Kuphatikiza pakutsatira malangizowa, muyenera kudalira momwe zinthu zilili panokha. Mabanki ena amapereka kuphatikiza ngongole yanyumba ndi ngongole zina pobwezeretsanso ndalama, kapena kuti apereke ndalama zingapo. Ngati izi ndi zofunika kwa inu, muyenera kulumikizana ndi mabungwe angongole awa.

10. Mayankho a Mafunso Ofunsidwa Kawirikawiri (FAQ)

Kubweza ngongole yanyumba - mutuwo ndi wokulirapo, uli ndi mitundu ingapo yamitundu. Chifukwa chake, pophunzira, pamabuka mafunso ambiri. Kuti musataye nthawi mukufufuza, timayankha omwe amadziwika kwambiri.

Funso 1. Kodi ngongole yanyumba imathandizidwanso kangati?

Chiwerengero cha omwe amapempha obwereketsa ku mabungwe obwereketsa ndalama pokhudzana ndi kukonzanso ngongole yanyumba sichikhazikitsidwa ndi lamulo. Koma banki ikhoza kudziletsa payokha njirayi. Komanso, ngati pakhala kuchedwa kulipira, kanani kuvomereza konse.

Kuyankhulana ndi banki kuti mumve ndalama talandila pano ngongole yanyumba, ziyenera kukumbukiridwa kuti mabungwe azachuma amakulolani kuti musinthe mawu malinga ndi mgwirizano woyamba. Izi zimakakamiza obwereketsa kuti athe kuchitapo kanthu zambiriudindo.

Ngati kukonzanso ndalama kukakonzekera ku banki ina, muyenera kuwunika ndikuvomereza kuyambira koyambirira. Izi zikutanthauza kuti muyenera kusonkhanitsa phukusi lathunthu, kulipira ntchito za wowunika ndi kampani ya inshuwaransi.

Kuti musawononge nthawi, musanapemphe ndalama zowonjezera, muyenera kuphunzira mosamala zomwe zikufunidwa. Kusanthula kwathunthu ndikuwerengera kowonjezera kumapangitsa kuti mumvetsetse ngati kuli koyenera kuyambitsa njirayi kapena ngati kuli koyenera kusunga ngongole yomwe ilipo kale.

Funso 2. Kodi zofunika ndi chiyani ku mabanki kuti obwereketsa ayambitsenso ngongole yopanda chindapusa?

Zofunikira kwa wobwereka pobwezeretsanso ngongole yanyumba popanda ziphaso za ndalama

Kutha kukonzanso ngongole yanyumba popanda kutsimikizira ndalama kumapezeka kokha kwa makasitomala aku banki omwe akwaniritsa izi:

Nzika zaku Russia;
azaka zopitilira 21;
mbiri yabwino ya ngongole;
Nthawi yogwira ntchito yosachepera miyezi 12;
mwayi, ngati kuli kofunikira, kuti akope wobwereka kapena wotsimikizira.

Banki iliyonse imapanga zofunikira kwa obwereka. Chifukwa chake, mndandanda womwe uli pamwambapa ukhoza kukulitsidwa. Nthawi zambiri amafunikira: kupezeka kwa kulembetsa m'dera lolembetsa, kupereka zikalata phukusi. Pakati pawo: zikalata zolembetsa ndi chisudzulo, kubadwa kwa ana, masitatimenti aku banki ndi ena.

Funso 3. Kodi pamakhala kuchotsera msonkho pakubwezanso ngongole yanyumba?

Nzika zonse za Russian Federation zomwe zagula nyumba (kapena nyumba zina) zili ndi ufulu kuchotsedwa msonkho. Pobweza ngongole pazinthu izi, chipukuta misozi chimayenera kukhala pamtengo wamtengo wapatalindipo pa chiwongola dzanja cholipiridwa.

Pakatikati pake, kubweza ngongole yanyumba ndikusinthira ngongole yina. Chifukwa chake, wobwereketsa yemwe amalipira pamgwirizanowu ali ndi ufulu kulandila kuchotsera. Poterepa, ofesi yamsonkho iyenera kupereka mapangano onse okhudza kubweza ngongole: choyambirira ndi chatsopano, kuti IFTS ikwaniritse momwe zinthu zasinthira.

Ndikofunikira kudziwa kuti mgwirizano wothandizanso ndalama uyenera kukhala ndi chiwonetsero cha momwe ndalama zimagwiritsidwira ntchito - kubweza ngongole yanyumba... Wobwereka ataganiza zophatikiza ngongole zingapo kukhala imodzi, muyenera kuyiwala zakuchotsera msonkho chiwongola dzanja chomwe mudalipira. Chowonadi ndi chakuti kubweza sikugwira ntchito ngongole zomwe zatetezedwa ndi malo.

Funso 4. Kodi ndingabwezeretsenso ngongole yanji?

Kuthekera kokonzanso ngongole yanyumba kumangopezeka pokhapokha ngati ikwaniritsa zofunikira zingapo:

Mabanki nthawi zambiri amaika malire pa nthawi yobwereketsa ngongole. Nthawi zambiri, sizingatheke kubweza ngongole yanyumba yomwe ili yochepera miyezi isanu ndi umodzi kapena yochepera miyezi itatu yatsala mpaka kumapeto.
Mabungwe angongole amathanso kukhazikitsa malire pamlingo woperekanso ndalama. Pangongole yomwe mudapereka koyamba, osachepera 20-50% ya ngongole yayikulu ayenera kulipidwa.
Kupezeka kwa ngongole yomwe idakalipidwa pakadali ngongole yanyumba yololedwa sikuloledwa.
Malipiro amwezi uliwonse ayenera kulipidwa munthawi yosachepera chaka chimodzi. M'malo mwake, mabanki akuwunika nthawi yayitali yolipira. Ngati kuchedwa kunaloledwa kale, mwayi wosankha bwino umachepetsedwa kwambiri.
M'mbuyomu, ngongole yanyumba sinasinthidwe.

Funso 5. Kodi zofunika ndi chiyani pazinthu zogulitsa nyumba mukafunsanso ndalama?

Pobwezeretsanso ngongole yanyumba, mabanki amapereka zofunikira zingapo pazinthu zogulitsa nyumba zomwe zimakhala ngati chikole pantchitoyo. Wobwereketsa aliyense payekha amapanga mndandanda wa iwo.

Komabe, titha kusankha zofunika pakugulitsa nyumba ndi malo, zomwe ndizovomerezeka m'mabanki onse:

Pangano pansi pa mgwirizano wobwezeretsanso ndalama liyenera kukhala logulitsa nyumba mofananamo ndi pangano loyambirira lanyumba;
umwini uyenera kulembedwa ndikulembetsa malinga ndi lamulo ladziko;
wobwereka, komanso abale ake, amatha kulembetsa pamalopo;
malo ndi nyumba siziyenera kukhala ndi zovuta zina kupatula chikole chanyumba yoyamba;
mpaka chikole chisamutsidwe ku banki yatsopano, malo amoyo sangabwereke.

Chifukwa chake, palibe kukayika kuti kubweza ngongole yanyumba ndi njira yofunikira yazachuma. Cholinga chake chachikulu ndikuchepetsa kuchuluka kwa zolipira ngongole yanyumba.

Komabe, simuyenera kuvomereza kukonzanso ngongole yanyumba yanu popanda kuwerengera koyambirira. Ndikofunikira kuwonetsetsa kuti zosungidwazo zimalipira zonse zomwe zimachitika.

Ena obwereka ndi aulesi kuyamba kuyambiranso ndalama, ponena kuti alibe nthawi. Komabe, ndalama zitha kuyambika kuchokera mazana ochepa ndikupita mpaka mamiliyoni. Kuchuluka kotereku kumatsimikizira aliyense.

Tikukulangizaninso kuti muwonere kanema wonena za zomwe mungachite komanso momwe mungabwezeretse ngongole yanyumba:

Ndizo zonse za ife, koma gulu la webusayiti ya Ideas for Life silikutsimikizirani kwa inu!

Ngati muli ndi mafunso, ndemanga kapena zowonjezera pamutuwu, lembani mu ndemanga pansipa. Komanso, musaiwale kugawana nkhaniyi ndi anzanu. Mpaka nthawi yotsatira!

Send