Maitiro Ekuita Mortgage Imba uye Kuwana Mari muna 2022

Zvirongwa zvechikwereti zvakachengetwa neimba muna 2022 zvakajairika uye zvinowanikwa munenge mabhangi ese. Chavo chaicho ndechekuti kiredhiti institution inopa mutengi mari, uye inogamuchira pfuma yake sechibatiso kusvika abhadhara zvizere chikwereti. Panguva imwecheteyo, iwe unogona kugara mumba, asi hazvibviri kutengesa kana kuchinjana kusvikira bhangi rabvisa mutoro. Isu tinokuudza maitiro ekukweretesa imba uye nhanho dhizaini nhanho nhanho - kubva kune nuances yemaitiro kusvika pakugamuchira mari. 

Pfungwa huru dzekuisa imba 

Mortgage zvinodiwa kumba

Bhangi rimwe nerimwe rine zvaro zvinodiwa pazvibatiso. Vamwe vakagadzirira kugamuchira dzimba chete. Vamwe vanofunga migove mudzimba dzekugara, dzimba dzekurara, dzimba, dzimba dzetaundi, dzimwe nguva kunyange dzimba dzezhizha nemagaraji. Zvinodiwa zvechinhu zvichaenderana nerudzi rwacho.  

imba

Kazhinji, mabhangi anoda kuti basa rekuvaka ripedzwe zvizere, uye chivako chagadzirira kurarama. Dzimwe nguva kuvaka kuri kuenderera mberi kunogona kubvumidzwa sechibatiso kana kutaurirana kwakatoitwa mairi uye paine chirongwa. Muchiitiko ichi, kuvapo kwegesi hakudiwi. Chivako chacho pachacho chinofanira kunyorwa sechivako chekugara. Zvekare, mamwe mabhanga anoda kufunga nezve "chivako chekugara chisina kodzero yekunyoresa pekugara." 

Kana imba yacho iri yemapuranga, mamwe mabhanga achaitora sechibatiso chete pamamiriro ezvinhu ekuti chivako hachina kukura kupfuura 1985. Mune mamwe mabhanga - kwete kupfuura 2000. Kune dzimba dzakavakwa kubva kune zvimwe zvinhu, hapana zvakasimba zvinodiwa zvegore. yekuvaka. 

Dhigirii yekupfeka yakakoshawo. Kune dzimba dzemapuranga, haifaniri kudarika 40%, uye chiyero chepamusoro chedzimba dzakagadzirwa nezvimwe zvinhu ndeye 50%. Pane zvinodiwa panheyo yechivako. Inofanira kuva yakasimba uye yakagadzirwa nekongiri, zvidhinha kana dombo. Kuisa imba inomira pamurwi faundesheni haishande mumabhangi mazhinji. 

Sangano rezvemari rinotarisawo nzvimbo yechivako. Muzviitiko zvakawanda, iyi inofanira kunge iri kugadziriswa uko, kunze kweimba yakakweretwa, kune zvimwe zvivakwa zvitatu zvekugara. Mukuwedzera, kuitira kuti imba mubhadhare muna 2022, inofanira kuva nekuwana kwegore rose, pamwe chete negadziriro yetsvina yekusingaperi, magetsi kubva kukambani yemagetsi, kupisa, mvura, chimbuzi uye imba yekugezera. 

Townhouse

Chikamu chega chechivako chekugara chichatorwa sechibatiso kana iine musuwo wakasiyana, kero yayo yepositi uye madziro akajairwa ane block yakavakidzana iyo isina musuwo. Maererano nemagwaro, nzvimbo yacho inofanira kunyoreswa sechinhu chega. Nzira dzinoverengeka dzekugadzira dzinogoneka:

• chikamu chechivako chekugara;
• block building house;
• block chikamu;
• chikamu chechivako chekugara chakaganhurwa;
• imba;
• pokugara;
• chikamu chekugara.

Izvo zvizere zvinodiwa zverimwe bhangi kwaunoronga kutora chikwereti zvinogona kuwanikwa pane yayo yepamutemo webhusaiti. Zvakare, ruzivo urwu runogona kuwanikwa kubva kune maneja webhangi kana nyanzvi yebasa rekutsigira nerunhare kana kuburikidza nekutaura. 

Zvinofanira kurangarirwa kuti, kazhinji, havazotore midziyo sechibatiso icho chatowanda kana kuti chiri chezvikamu zvedzimba dzakasakara kana dzakasakara. Mukuwedzera, bhangi rinogona kuramba kana varidzi veimba vakaita redevelopment uye havana pamutemo. Paunenge uchifunga nezvechinhu chemhiko, bhangi rinotarisa zvakanyanya kune zvivakwa zvinogona kuparadzwa mumakore anotevera. Chokutanga pane zvose zvine chokuita nezvivako zvemapuranga. 

Izvo zvakakoshawo kufunga kuti bhangi, risati rapa chikwereti, rinogona kubata nyanzvi yekuongorora. Kana nyanzvi ichipa maonero akanaka pamusoro pemamiriro echinhu, dhigirii yekupfeka kwayo uye kubvarura, uye zvakare isingabatanidzi kudiwa kwekugadzirisa uye mamiriro ezvinhu anogoneka ekukurumidzira, chinhu chinozotenderwa chibvumirano. Nekudaro, mukwereti anobhadhara masevhisi emuappraiser, uye mari iyi inofanirwa kuverengerwa pachine nguva.

Nhanho-ne-nhanho mirayiridzo yekuisa imba

Kubhadhara imba uye kuwana mari kwakaoma zvishoma pane kutora chikwereti chevatengi. Mamwe magwaro achadiwa uye maitiro acho achatora nguva yakareba. Ndeapi matanho achafanira kupinda nemukwereti?

1. Nyorera chikwereti chakachengetedzwa pawebhusaiti yebhangi kana kubazi raro.
2. Nekushanya kwakananga kubhangi - wana ruzivo rwekujekesa kubva kune nyanzvi, ine online application - mirira kufona kwemaneja uye uwane rondedzero yezvinyorwa. Zvinodiwa zvechinhu zvinofanirawo kujekeswa. 
3. Tumira magwaro kubhangi iwe pachako kana online. Pano zvinodikanwa kuita zvese nekukurumidza sezvinobvira, sezvo mamwe magwaro ane nguva shoma yechokwadi. Semuenzaniso, inobvisa kubva kuUSRN ichave yakagadzirira kwete pamberi pemazuva manomwe kubva pazuva rekurongeka kwayo. Kana iwe ukanyorera kunonoka, uye Rosreestr ikanonoka kuburitsa, ipapo chitupa chemari kana kopi yechitupa chebasa chinogona kusashanda (nguva yavo yechokwadi mazuva makumi matatu chete).
4. Mirira chisarudzo chebhangi pane chibatiso uye chikwereti. Kana vakatenderwa, saina chibvumirano chechikwereti uye wopedzisa chibvumirano. 
5. Kupa chivimbiso papfuma muUSRN, kuisa chisungo pairi. Mune mamwe mabhangi, danho iri rinogona kusvetuka, sezvo ivo vakazvimirira kunyoresa kutengeserana neRosreestr. Mune mamwe masangano echikwereti, iwe uchafanirwa kuuya kuRosreestr kana iyo MFC pamwe chete nemushandi webhangi.
6. Mirira kusvikira Rosreestr agadzirisa chikumbiro uye anodzorera magwaro, achiisa mucherechedzo pamhedzisiro mavari. Magwaro aya anofanira kuendeswa kubhanga.
7. Mirira kusvikira bhangi richitarisa magwaro akatumirwa, uye rinopa chikwereti.

Zvichienderana nezvirevo zvekondirakiti, mari yacho inogona kuverengerwa kuaccount yakataurwa, kana maneja webhangi achafona nekukukoka kuhofisi. 

Zvinyorwa Kugadzirisa

Kana ari magwaro, sangano rega rega rinenge riine rondedzero yaro, iyo inofanirwa kujekeswa pachine nguva. Zvisinei, magwaro anotevera anonyanya kudiwa:

• pasipoti yemugari we Federation;
• zvinyorwa zvinotsigira muridzi wezvivakwa (chinyorwa kubva kuUSRN ine muridzi anoratidzwa mairi kana chitupa chekunyoresa);

Mapepa anotevera anogonawo kukumbirwa:

• chirevo chemari;
• kopi yakasimbiswa yebhuku rebasa;
• SNILS;
• pasipoti yenyika;
• rezinesi rekutyaira;
• chibvumirano chewanano, kana chiripo;
• chirevo chekomisheni yekuongorora pamusoro pekuongororwa kweimba yacho;
• notarized mvumo yemumwe wako kune chivimbiso chezvivakwa, izvo zviri pamwe chete.

Ndeipi nzvimbo yakanaka yekukweretesa imba?

Iwe unogona kuisa imba kwete mumabhangi chete, asiwo mune mamwe masangano emari. Funga nezvemamiriro avo kuti uone kuti papi zvakanyanya purofiti kuhodha zvivakwa.

Banks

Paunenge uchitarisa chikumbiro chechikwereti, mabhangi anoteerera kune chibvumirano chete mushure mekutarisa solvency yemutengi. Nokudaro, zvakakosha kuti mukwereti asangane nezvinodiwa, uye mari yake haisi yakaderera pane inokurudzirwa nebhangi. Panguva imwecheteyo, kuwedzera kusingagoneki kwekukweretesa mubhangi ndiko kuve pachena kwekutengeserana. Mushure mekunge chibvumirano chasayinwa, mubhadharo hauzowedzeri, uye hapafanirwe kuve nemakomisheni ekuwedzera kana kunyorera. 

Mari yechikwereti yebhangi iri pakati peyakaderera kana ichienzaniswa nemamwe masangano emari. Paavhareji, dzinobva pa7 kusvika ku15% pagore. Mukuwedzera, kana mukwereti akarega kubhadhara, mabhangi achatora chikwereti chete maererano nemutemo. 

Zvakadaro, pane zvakare kuipa kwekunyorera chikwereti chakachengetedzwa kubva kubhanga. Chekutanga pane zvese, iyo kiredhiti institution inoita sarudzo zvichienderana nenhoroondo yechikwereti yeakakwereta. Kana iyo yakashatiswa kana isiripo zvachose, chikumbiro chinogona kusatenderwa. Kuongororwa kwechibatiso chechinhu kunotora nguva yakawanda, izvi zvinofanirwa kuverengerwa kana uchinyorera. Paavhareji, zvinotora inenge vhiki kubva panguva yekuendesa chikumbiro uye yakazara pasuru yemagwaro kugamuchira mhedzisiro yekutariswa. Asi mukwereti haasati awana mari panguva ino. Izvi zvichaitika chete kana apedza kuvharirwa pamudziyo uye achiendesa magwaro akakodzera kubhangi. 

Zvinotorawo nguva yekutarisa chinhu nesangano rekuongorora. Mukuwedzera, mukwereti anobhadhara sevhisi, uye iyi inowedzera 5-10 zviuru rubles. Zvakakosha kufunga nezveinishuwarenzi inosungirwa yechinhu mumabhangi mazhinji. Dzimwe nguva unogona kuzviramba, asi ipapo mubereko uchawedzera ne 1-2 mapoinzi. Mutengo weinishuwarenzi ndeye 6-10 zviuru rubles pagore. 

Vashandisi vega

Kusiyana nemabhangi, vakweretesi vega vanobhadhara zvakanyanya kune liquidity yechibatiso. Iyo solvency yemutengi inopera kumashure, kunyangwe isina kunyorwa zvachose. Naizvozvo, zviri nyore kutenga imba uye kuwana mari, asi zvakanyanya kudhura. Izwi rekutariswa kwechikumbiro ne "vatengesi vega" ipfupi, kazhinji sarudzo ichaziviswa pazuva rekuisa chikumbiro kana rinotevera. Avhareji yemubereko inenge 7% pamwedzi, kureva, kusvika ku84% pagore. Naizvozvo, kutora mari yakawanda kwenguva yakareba hakungobatsiri. Semuenzaniso, kana iwe ukatora 3 miriyoni rubles kwemakore 3 pamubereko we5% pamwedzi, iyo overpayment yenguva yese ichave inodarika 3,5 miriyoni rubles. Izvo zvinofanirwa kutakurwa mupfungwa kuti vazhinji vega vega vanopinda muchibvumirano chegore re1. Nechepfungwa, mugore rinogona kuwedzerwa, asi hapana anovimbisa kuti mamiriro acho haazochinji kune akaipisisa mune ramangwana. 

MFIs

Zvinoenderana nemutemo wazvino, masangano echikwereti uye microfinance haakwanise kuburitsa zvikwereti zvakachengetedzwa nechengetedzo, kana iri imba yekugara yemunhu. Nekudaro, ivo vanogona kuburitsa mari yakachengetedzwa neyekutengesa real estate. 

Sezvakaitika kune vanokweretesa vega, kana vachitarisa chikumbiro, MFIs inobhadhara zvakanyanya kwete kunhoroondo yechikwereti uye solvency yemukwereti, asi kune liquidity yechinhu chakakweretwa. Panguva imwecheteyo, iyo application pachayo ichatariswa nekukurumidza, dzimwe nguva mukati memaawa mashoma. Nekudaro, mubereko hauzovewo diki - kusvika ku50% pagore. Chero zvazvingava, usati wasaina magwaro echikwereti uye chibatiso, unofanira kunyatsodzidza. Zvakanaka, kana paine mukana wekuratidza gweta. Nenzira iyi, njodzi inogona kuderedzwa zvakanyanya mune ramangwana. 

PDA

CPCs zvikwereti zvevatengi cooperatives. Chinokosha chesangano iri ndechekuti vagovani vanojoinha - vese vanhu uye masangano emutemo. Ivo vanoita imwe-nguva kana nguva nenguva mipiro. Uye, kana zvichidiwa, vanogona kutora chikwereti, uye zvishoma nezvishoma vachibhadhara, vachifunga nezvekufarira. Kana munhu asiri nhengo yeCCP, haakwanise kutora chikwereti ipapo. Mabasa emasangano akadaro anodzorwa nemutemo. Kana sarudzo yaitwa yekubatana neCCP, zvakakodzera kuve nechokwadi kuti yakavimbika. Izvi zvinogona kuitwa nekutarisa nhengo yemubatanidzwa muSRO. Ruzivo rwekuve werimwe sangano rinozvitonga rinofanira kuratidzwa pawebhusaiti yeCPC. 

Zvakanakira nzira iyi ndezvekuti kutariswa kwechikumbiro hakutore nguva yakawanda, uye mari inogona kupihwa pasina kumirira kusvika iyo encumbrance yaiswa pamudziyo. Mari dzemhindu dzinowanzodzikira pane mamwe masangano emari. Panguva imwecheteyo, mari yakawanda yakakwana inogona kupiwa pachikwereti, uye panguva yekuita chisarudzo, kuvapo kwemari yakasimbiswa yemukwereti uye nhoroondo yake yekwereti haina kuverengwa. 

Zvichanyanya kubatsira kuwana chikwereti chakachengetedzwa nemba muKPC, asi chete kana uchinge watova nhengo kana uine nguva yekuve imwe, wozonyorera chete. Kana zvisina kudaro, zviri nani kuonana nebhangi.

Matemu emba yemba

Kubhadharwa kwechikwereti chakachengetedzwa nedzimba kunoitika nenzira imwecheteyo sekubhadhara kwechikwereti chemutengi. Izvi zvinogona kuva annuity kana mubhadharo wakasiyana. Ndiko kuti, zvakafanana mukati menguva yese yechikwereti kana kuderera pamusoro penguva yekubhadhara. 

Zvakakosha kuyeuka pamusoro peinishuwarenzi chaiyo inosungirwa yechinhu chechibvumirano. Mamwe mabhanga anoda inishuwarenzi yehupenyu neyehutano kune anokwereta. Dzimwe nguva unogona kuramba inishuwarenzi yese, asi ipapo bhangi richasimudza mubereko ne 1-5%. 

Izvo zvinodiwawo kufunga kuti mushure mekuiswa kwechivharo paimba, muridzi wacho haazokwanisi kuibvisa zvachose. Ndiko kuti, hazvizogone kupa real estate, kutengesa, kuchinjana kana kupa imwe pledge. 

Chekutanga, unofanirwa kubata kubhangi kwaunogamuchira muhoro wako. Muchiitiko ichi, zvinyorwa zvishoma zvichange zvichidiwa, uyezve, zvichida mubereko uchaderedzwa ne 0,5-2%. 

Mukwereti anogona kutarisira zvakawanda sei? Ichi chinowanzova chikamu chiduku chete chemari yakakosheswa pfuma. Mubhangi rimwe nerimwe, chikamu ichi chichave chakasiyana uye chichabva pa50 kusvika ku80%. Ndiko kuti, kana imba yacho yakakosheswa 5 miriyoni rubles, ivo vachapa chikwereti kubva ku2,5 kusvika ku4 mamirioni rubles. 

Kubhadhara zvikwereti zvakachengetedzwa kwakaoma, sezvo mabhanga mashoma achada kubata nehurongwa hwekupazve chibvumirano. Izvi zvinofanirwa kuverengerwa pakusarudza iyo institution iyo iyo application ichaendeswa. 

Zvakakoshawo kudzivirira zvirongwa zvehutsotsi kana ukafunga kukumbira chikwereti kunze kwebhanga. Semuenzaniso, panzvimbo yechibvumirano chechikwereti, mukwereti anogona kupihwa chibvumirano chemupiro kana chibvumirano chekutengesa nekutenga kuti sigine. Vachazvitsanangura nenzira iyi: mushure mekunge mukwereti abhadhara chikwereti zvizere, kutengeserana uku kuchabviswa. Zvisinei, kana mukwereti akasaina chibvumirano chakadaro, zvinoreva kuendeswa kwakakwana uye nekuzvidira kwekodzero dzavo kune real estate. 

Kuti uderedze njodzi, unofanirwa kubata anozivikanwa masangano makuru nemabhangi. Zvinokurudzirwawo kuratidza chibvumirano chechikwereti kune gweta kuitira kuti aone zviri pamutemo.

Mibvunzo nemhinduro dzakakurumbira

Nyanzvi dzakapindura mibvunzo yakajairika kubva kuvaverengi: Alexandra Medvedeva, gweta kuMoscow Bar Association и Svetlana Kireeva, mukuru wehofisi ye real estate agency MIEL.

Zvitubu zve

1. https://www.consultant.ru/document/cons_doc_LAW_19396/36a6e71464db9e35a759ad84fc765d6e5a03a90a/