Ku noqo dulsaarka. Sida loo helo celiyo ee danta mortgage bixisay

Lahaanshaha hantida adiga kuu gaar ah waa qiyaas ah qiimaha. 30 sano ka hor xal u ah dhibaatada this ahaa gobolka. Haddaba, isu muwaadiniinta waa in ay bixiyaan oo ay hoy u gaar ah. Laakiin qaar ka mid ah caawimaad weli tirin karaa. Tusaale ahaan, soo celinta dulsaarka amaahda. On the nuxurka iyo faahfaahinta habka this, ka akhrisan on.

Yeelidda fikradaha

Mortgage - mid ka mid ah siyaabaha si ay u bartaan oo ay guryo u gaar ah. Haddii aan danta sare adeeggan, aad leedahay Ruush kasta oo ay muddo dheer ahayd in ay footage square. Si kastaba ha ahaatee, gobolka bixisaa suurtagalnimada of kharashka magdhow qayb ahaan. Sidaas daraaddeed, waxa soo laabto oo xiiso on daynta dhab.

1. Gobolka ayaa qirtay in iibka ah ee guryaha - tani waa dhacdo aad u muhiim ah in nolosha muwaadiniinta, sidaas darteed, ka dhigaysa isbedel ku Code cashuuraha.
2. Hoos u dhaca qiimaha iibka hantida maguurtada dhici by yaraynta saldhigga canshuurta, oo muwaadin bixiyo 13% NFDL. Tusaale ahaan, haddii qof waa ka qaadaan mushaar bille ah oo 30 kun. Xoq., Sanadka uu helay 360 kun oo rug.. Haddii lacagtaas uu si ay u iibsadaan hantida, saldhigga canshuurta laga dhimayaa tiro isku mid ah. Taasi waa, gobolka waxaa ku waajib ah inuu ku soo laabto: 360/100 x 13 = 46,8 kun rubles .. Tani waxay qayb ka mid ah cashuuraha mashaqo ee sannadka gadashada la dhameystiray. Xisaabinta qaadataa qadarka dakhliga mashaqo laakiin ma bixiyo.
3. Tirada dadka ay awoodaan in ay soo iibsato guri dabaq ah waqti, wax yar. Hawshan waxa ka badan ayaa lagu sameeyaa qaybood. Dawladdu waxay hormariyey barnaamij kaas oo salka la siiyaa hoos u dhac ku xaddiga dulsaarka in dadka bixiso qaab lacag bil kasta. Sababtoo ah guddiga of bangiga - qaybta ugu weyn ee iibka ah ee kharashka guri dabaq ah. 13% ka mid ah lacagtaas, oo waa in lagu soo celiyaa.

Yaa xaq u leeyahay inuu ka jarto

Citizens qaba ilaha dakhliga canshuurta dakhliga shakhsiga la canshuuri karo. First of dadkii oo dhan u shaqeeya oo mushahar aad u hesho "cad". Haddii aad tahay qof la isticmaalayo nidaamka "cirro", ka dibna aad u tirin karaa gunnada dakhliga rasmiga ah. Haddii muwaadin dakhliga laga helay ilo dhowr helo (laba ama in ka badan oo shaqo, kirada, faa'iidada iibinta securities, iwm), waxay sidoo kale waxaa loo isticmaali karaa xisaabinta.

Haddii amaahdaana ganacsadaha kii shaqeeya on the "nidaamka canshuurta fududeeyay", inuusan xaq u leedahay lacagta noocan oo kale ah. Isla sidaas u dhaqmaan dadka hawlgabka ah.

Haweenka codsan kartaa celiyo oo xiiso bixiyo amaahda ka dib fasaxa hooyonimada. Haddii guriga lagu iibsaday isaga ka hor, waxaa loo qaaday dakhliga account in "fasax." Haddii aan la seegay, ka dibna ka dhiman waxaa laga heli karaa ka dib markii fasaxa.

Dadka rasmi ah ka shaqeeya Russia muddo ka badan 6 bilood ee sannadka, laakiin aadan haysan dhalashada, waxaa laga yaabaa in ay helaan lacag oo xiiso on daynta.

dhaafitaan ma khuseeyo haddii macaamilka ayaa toogasho dhexeeya qaraabada, asxaabta iyo dhinacyada kale ee la xiriira.

Inta ay la jarayo

The salaysan xisaabinta waa lacagta ku bixisay on dhismaha, iibka ah ee hantida maguurtada. Haddii macaamilka waxaa qaabeeya by deynta gaarka ah ee ujeedada, danta xisaabta, waxaa ka soo galay. Laakiin in heshiiska waa in si cad u sheegay in lacagta la siiyey "inuu guri ka iibsado." ereyada kala duwan aan la aqbali karin.

Haddii guriga oo aan dhameystir uu soo saaray amaahda, soo laabashada 13 boqolkiiba ka xisaabinta xaddiga maamulaha iyo dulsaarka amaahda, kharashka horumarinta mashruuca, helitaanka qalabka iman doonaa, kaalinta bixinta, la xidhiidha shabakadaha korontada, biyaha iyo gaaska. Kharashka dhamaystirka loo qaadan karaa tixgeliyaan oo keliya haddii dalalka heshiiska in heleen ee dhismaha taalo. Haddii by amaahda lacagta qaabeeya, dhammaan kharashyada turjumay at qiimaha sarrifka on maalinta lacagta.

Lacagta ugu badan ee laga jaro waxaa ku koobnayn 2 rug Million.. on celinta maamulaha iyo 3 Million. xoqin. - marka soo laabtay boqolkiiba. bixinta dambe khuseysaa oo keliya in qandaraasyada ay dhamaystirto ka dib 2013. The jaro canshuurta aan ka mid noqon kara kharajyada ay gashay kharash ku kab, caasimada hooyada iyo lacagaha kale ee bulshada.

Ku noqo xiiso mortgage: waraaqaha diiwaan gelinta

• Heshiiska in ay iibsadaan hantida maguurtada ah ama xuquuqda in ay helaan guri dhawaan la dhisay.
• gudbinta aqbalo.
• Documents rumayn kharashka (rasiidka in amarka, rasiidka ee iibiyaha, qoraallada bangiga, rasiidhada iibsiga qalabka).
• Documents caddaynaya lahaanshaha.
• Heshiiska Credit.

Haddii aan shahaadada lahaanshaha ma heli karo canshuur celin. Haddii aad soo iibsatay hantida guri dhawaan la dhisay, diiwaangelinta ee gargaarka aad u baahan tahay inaad sugto fal dhaweynta iyo gudbinta. Aqoonsiyada oo dhan waa in la soo saaray ee qofka la doonayo in ay helaan magdhow. Haddii kale waxa aad helaysaa in ay qoraan power of attorney in qofka dhabta ah.

xirmo ee waraaqaha aad u baahan tahay si ay u bixiyaan canshuurta oo ah meesha uu deggan yahay, iyadoo aan loo eegin meesha ay hantida la helay. waqti Go'aan - 3 bilood. Haddii jawaabtu tahay haa, ka dibna aad u baahan tahay si ay u qoraan codsiga, la tilmaamayo tirada xisaab bangi si ay u gudbiyaan lacagaha. Lacagta waa in la helo hal bil gudaheed. In case of xadgudub amar canshuurta si aad u bixiso xiiso maalin kasta oo default on heerka maalgelinta. Haddii codsiga soo celiyo oo xiiso bixiyo amaahda la soo diiday, waxaad rafcaan u qaadan kartaa maxkamadda.

Fulinta macaamilka iyada oo loo marayo shaqo-

Oo dadka oo dhan ku haboon laxanka canshuurta. Sidaa darteed, soo celinta loo diyaarin karaa shaqada. Xaaladdan oo kale, qofka shaqaalaha ah la siin doono mushaar aad u badan sida canshuurta dakhliga shaqo-ha ceshan doonaan. Waayo, diiwaangelinta hawlgalka waa lagama maarmaan in la qaato ogeysiiska canshuur magaca shirkadda ee. wada warqad Tani codsiga waxaa lagama maarmaan ah in ay soo gudbiyaan si loo shaqeeyaha.

canshuurta dakhliga shakhsiga aan la xisaabin doono bisha soo socda marka la helo dukumentiyada. Haddii qof shaqaale ah oo doonayo inay wax ka bedesho meesha shaqada, dheelitirka ee magdhow laga heli karaa oo keliya iyadoo canshuurta. Notice mar soo saaray sano ah.

Haddii qofka shaqaalaha ah uu leeyahay meel uu ka shaqeeyo, waxaad heli doontaa lacag celin oo xiiso on daynta, ma siin karto waxyaabaha kale laga jarin shaqo this.

Habka lacag-bixinta

First abaalmariyo inta ku qaatay on iibka ah ee hantida maguurtada ah (ilaa 260 kun oo rubles = 13% * 2 million ...), markaas - danta bixisay. Laakiin dhawaaqo loo baahan yahay in la qeexo lacagta total of taas oo la hoos gelin doonaa si magdhow. Xirmada dukumentiyada waa in la cusbooneysiiyaa 12 kii bilood ee kasta.

Haddii qadarka dakhliga ma daboosho lacagta ee laga jarin, waxaa loo gudbin karaa sannadka soo socda. In qorsheyaasha la mushaaraadka "cirro", waxaa jira kiisas amaah ah waxaa la siiyaa off mar hore, iyo magdhowga ayaa in ay sugaan dhawr sannadood.

gunaanad

Qofka keensataa hantida on credit ee Russia, wuxuu xaq u leeyahay in ay helaan celiyo cashuurta dakhliga shakhsiga ah. Dulsaarka amaahda guryaha waxaa la bixiyaa off si degdeg ah, laakiin ugu yaraan bixinta deynta bangiga. Operation la sameeyo iyada oo loo marayo canshuurta. Documents for jaro aad u baahan tahay sanad walba in la cusboonaysiiyo. Haddii lacagta ayaa amaahda soo saaray, magdhawga waxaa laga xisaabiyaa cadadka kharashka si loogu badalo galay rubles at qiimaha sarrifka on maalinta lacagta.