Nsonga kapena lna - izi ndi zomwe funso ndi ...

Mawonekedwe a nyumba komanso zowonjezera komanso zogwirizana ndi nyumba: kufanana: Kusiyana ndi kusiyana, zabwino ndi zofuna, mfundo za ntchito

Kuti mugule nyumba, monga mukudziwa, mumafunikira kuchuluka, koma sikopezeka nthawi zonse. Mutha kugula kugula pogwiritsa ntchito mapulogalamu apadera. Ngongole ndikugawana nawo ntchito yomanga ndizofala kwambiri. Nyumba ndi zolimbitsa thupi sizitchuka kwambiri, ndipo pepani ...

Chithunzithunzi / Russian akuwoneka mofanana ndi banki yobwereketsa ku nyumba, zomwe sizikupanga ndalama zakunja zikupanga, zomwe zimakhazikitsidwa pazogulitsa ndalama zogulitsa ndalama (SSC) - mabungwe aboma adapangidwa kuti agule malo ogulitsa ndalama. Mwakutero, SSC ifanana ndi yodziwika m'badwo wachikulire wa owerenga ndalama zowerengera ndalama zothandizirana. Mwachidule, chiwembu cha ntchito yawo ndi chonchi: wogwira ntchito, kulowa mu SC, kumaliza mgwirizano woyenera ndi bungweli kuti agwiritse ntchito ngongole yofunika kuti apange ngongoleyo kapena ntchito yomanga. Ndalamazi zimapangidwa ndi zopereka zapachaka za omwe amabweretsedwa kuchokera kwa oyang'anira ndalama, chidwi chosunga ndalama, zothandizira boma komanso zothandizira. Pa gawo loyamba, wogulitsa amadziunjikira kuchuluka kwa ndalama zomwe zimakhazikitsidwa mu mgwirizano, zomwe zimawonjezera kuchuluka kwa chidwi chopereka. Pa gawo lachiwiri, kanyumbayo amalandila mawonekedwe a wogula, yemwe amamupatsa mwayi wogwiritsa ntchito ngongole kuti agule nyumba. Chifukwa chake, ndalama zobwereketsa pambuyo pogula nyumba imodzi ya ogawana zimabwezedwa kwa operekera ndalama pachaka ndipo zimatha kubwereketsa kwa opereka atsopano. Nthawi yomweyo, ziyenera kunenedwa kuti, malinga ndi malamulo, kutenga nawo mbali pamadongosolo ambiri atha kukhala otsimikiza za mamembala mosamala, ndiye kuti, pali chitsimikizo kuti wophunzirayo sadzatembenukira ku Baral "piramidi". Chabwino: UTHENGA Ukapezeka kufikira onse mamembala onse amenya nyumbayo.

Ubwino waukulu wotenga nawo mbali mu nyumba ndi zochulukirapo poyerekeza ndi ngongole yazachizolowezi, mosakayikira ndi kuvuta: Mu lna Tengani zonse, kupatula, ngongole ilinso mwachidwi. Gawolo liyenera kulipidwa pachaka 3-5% ya ndalama zobwereketsa, zomwe zilipo zolipiritsa za mamembala ndikupita ku zomwe zikugwirizana ndi mgwirizano

Pali mitundu iwiri yomanga mabanki onyamula: nyumba ndi zothandizirana ndi zowonjezera (LNA) ndi oyang'anira nyumba zogwirizana (nsonga). Mabungwe awa ndi omwe amatsatira magulu osinthana nawo asanasinthe. Tsopano m'dzikoli, malinga ndi msonkho wa Federal, pali mitundu 4 yosiyanasiyana yokhudza nyumba yopanda nyumba. Zimakhala zovuta kudziwa mawonekedwe awo, koma tiyesa.

Kufanana ndi kusiyana

PIPXPRESS.Pawolola ntchito ya LNA kapena nsonga (nthawi zambiri amatchedwa Cousting Coung) ilinso chimodzimodzi.

M'malamulo ake, mogwirizana ndi mabungwe omwe si ogwiritsira ntchito phindu, zomwe zikutanthauza kuti ufulu woyeneranso mugule palokha, kugulitsa, alibe ndalama zoti akhale ndi ndalama zotetezeka. Ntchito yawo ndikugulitsa ndalama za omwe adamanga nawo pantchito yomanga nyumba. Tcheyamani ndi bolodi amayendetsedwa ndi gilbolative, ndipo zosankha zofunikira kwambiri zimalandiridwa pamsonkhano waukulu wa ogawana.

Kodi pali kusiyana kotani pakati pa lna ndi nsonga? Nyumba yothandiza komanso yopepuka imabweretsa limodzi lendi lobwereketsa ngongole yobwereketsa, ndalama zomwe zimapangitsa kuti zibwereke, nyumba zomangamanga komanso zomangamanga. Mwakuchita, izi zikutanthauza kuti anthu omwe ali ndi anthu omwe ali ndi zaka 50-5,000 amaperekedwa ndi boma la Federal la Disembala 30, 2004. №215-FZ "othandiza paukadaulo Kunena za lamulo, kukwaniritsa kufunikira kwa malo okhala pophatikiza zopereka zokwanira. Kuti akhale mwini wake wa nyumba yamphamvu ya Lng ikhoza kungothamangitsa Pai.

Chiwembu cha nyumba ndi zolimbitsa mphamvu

1. Kupanga kwa gulu loyambira pamaziko a pangano la Fully Fund, ndalama zomwe zimagwiritsidwa ntchito pomanga nyumba

2. Kuyitanira ku gawo la oyang'anira. Chofunikira chokhacho chothandizira ndikutha kulipira zopereka zoyambirira, komanso zolipira pamwezi kuti mubweze ngongoleyo

3. Kudzikundikira kwa 30-50% ya mtengo wa nyumbayo pa akaunti yanu

4. Kugula nyumba

5. Kulipira ngongole zotsala za ngongole yanyumba

Lamulo lapadera logwiritsa ntchito ngongole zanyumba sizinapangidwe, motero zochita zawo zimayendetsedwa ndi boma la Russia Federa. Zochita zolimbitsa thupi (komanso Lng) siitolo zopanda chilolezo, koma, monga bungwe lililonse lalamulo, liyenera kulembetsa State. Ntchito yayikulu ya nsongayo ndi yofanana ndi cholinga cha LMng, komabe, membala wa chingalawa amapeza nyumba mu Ngongole ya Ngongole, ndiye kuti, imalandira nyumba yake, koma mpaka kulipira amakonzedwa mogwirizana.

Kusiyana kwakhala kuti pazinthu za Lng kumatha kuwongolera boma, ndipo ndi zopindulitsa zokhazokha. Makhalidwe azachuma omwe kukhazikika kwachuma kumapezeka ndi ndalama zokhazikika kumatsimikizira misika yazachuma. Othandizira, onani kuthekera kwa mgwirizano kuti ukwaniritse udindo wake moperewera komanso kwakanthawi, zopereka zopereka, zopereka ngongole zomwe zakhazikitsidwa ndi ngongole zovomerezeka komanso magawo ena. Ntchito ya Peak imayang'aniridwa ndi mabungwe aboma ambiri, ndiye kuti, kutsimikizika kwa kukhazikika kwachuma sikuchitika.

Nyumba ya anthu aku Russia komanso njira yokwanira imagwirizana kwathunthu ndi malamulo a Lamulo la Russia ndi lapadziko lonse lapansi. ndi kuphatikiza ma eng 19 mayiko

Kutenga nawo mbali pachimake nthawi zambiri kumakhala kowopsa kuposa lna. Kufotokozera Zosavuta: Chitsimikizo chokha cha kusungidwa ndi kugula nyumba ndi kugula nyumba za agalu ogwirizana. Malinga ndi iye, njira zogwirizana ndi nyumba zanyumba zimapangidwira pokhapokha ngati pali otenga nawo mbali. Izi zikutanthauza kuti pakukula kwa thumba, muyenera kuchuluka kwa osungitsa atsopano. Kuphatikiza apo, ma lng omwe ali mu ntchito yake amakumana ndi chuma chake, koma nsonga ilibe ntchito. Kwa wowonera, izi zitha kukhala zomveka kuti pa nthawi yomwe mgwirizano wa Pai udzatha popanda chindapusa.

Mtundu wa ntchito ya zilkooopative

Tiyeni tikumbukire mtundu wa kugula nyumbayo. Mumalandira chilolezo cha banki ku banki, yang'anani nyumba, ibweretse 30-50% ya mtengo wa nyumba, ndipo ndalama zonse zimalipira mkati mwa zaka 10-25. Nthawi yomweyo, nyumbayo imasungidwa ndi banki, ngakhale kuti ili kale m'malo anu. Pofuna kutifooketse kapena kukonzanso, muyenera kufunsa chilolezo kuchokera ku banki, ndipo musanatengere kulembetsa wina kuchokera pabanja lanu, muyenera kuyika banki.

Mbiri ya Lng ndi Peak

Chithunzithunzi / Russia Ali ndi ... Nyumba Yoyamba Yoyamba Nyumba Yoyamba Nyumba Yoyamba, ndipo ku Europe, Ndalama Zachuma Mayiko onse atsopano adaphatikizidwa. B18855G. Nyumba ndi zomangamanga zidatsegulidwa ku Germany. Koma kugawa kwakukulu kwa mogwirizana ndi nyumba zomwe zalandiridwa atatha nkhondo yachiwiri yapadziko lonse, yomwe imafotokozedwa kwambiri: kunali kofunikira kuti apange nyumba zotsala zikwizikwi. Kachitidwe ka banki yomwe sinabwereke kunyumba mwa mayiko monga ku Austria ndi Germany, komanso Poland, Croatia ndi Creachbic, ikukula mwachangu.

Kuyika mogwirizana ndi zomangamanga pang'onopang'ono ndi mabanki anyumba, ndipo ku France, ndalama zimapangidwa kumabanki, pa nyumba zapadera zosungirako nyumba.

... Ndipo ndi ife. Magulu a mabungwe amakono amakono adadzuka mu 60s mu 60s. XIX., Pamene gulu la ngongole yobwereketsa, gulu lokhalokhalo, gulu la anthu wamba limapangidwa kuti ligule malo mothandizidwa ndi nkhumba yanyanja. Pambuyo pake, magulu azamalonda amathandizira komanso mogwirizana mogwirizana kuti agule ndi kugula ndi olemba malonda adapangidwa. Koma chitukuko chachangu chotere, monga ku Europe ndi United States, makampani omanga sanalandire. Mwina chifukwa chakuti ichi chinali kukhalapo kwanthawi yayitali kwa Serfeddom, ndipo pakhoza kukhala zochitika zosasunthika muchuma ... Waistorics palibe yankho lotsimikizika.

Pambuyo pa kusintha kwa Okutobala, mgwirizano wa mgwirizano wogula wakhala dziko, zomangamanga sizinalimbikitsidwe. Zosintha Zazikulu Zidachitika kumapeto kwa nkhondo yayikulu ya dziko la dziko la dziko la dziko la dziko lapansi zidawoneka kuti: Nyumba ndi zomanga, zomanga zamafakitale, zomanga galaine, zomanga galaine. Zinthu zopanga nyumba ndi malo ogulitsa ena omwe amagwirizana kwambiri, omwe mamembala ake anali oyenera kugwiritsa ntchito. Kwa nthawi yotsatira, boma lidachepetsa thandizo la zomangamanga, izi zidapangitsa kuti mabungwe oterewa sanalengedwenso, ndipo kumapeto kwa 90s. Xx. Nthawi zambiri adayamba kugwiritsa ntchito mitundu yosiyanasiyana ya scam.

Mpaka pano, kutenga nawo mbali pamankhwala omanga sikuli kotchuka ngati kubwereketsa banki. Ngakhale izi, gulu la mgwirizano wa anthu aku Russia lidapangidwa mdziko muno, ndipo mitundu yosiyanasiyana ya zomanga ikupitilirabe.

Mitundu yolumikizidwa ndi nyumba yomanga imatsekedwa, kuchuluka kwa mamembala atsopano sikofunikira. Wothandizira yemweyo pa gawo lochulukirapo la kutenga nawo mbali m'dongosololi ndi wobwereketsa kwa olemba ena, ndipo pambuyo pake, mbiri ya ngongole, ngongole kale. Nthawi yomweyo, ndalama za ndalama sizikopeka ndi msika wazachuma kunja, zomwe zimachepetsa mphamvu ya ngongole. Zolinga zomwezo popereka ngongole mu kakonzedwe kambiri kazing'ono kwambiri zimatengera msika.

Pali mwayi wina: pamakhala kuchepa kwa nthawi yodikira kuti mugule malo ogulitsa nyumba ndikuchepetsa kukula kwa zoperekazo. Kuchotsa Pachaka ku Buku lanyumba lanyumba, lomwe limapanga osachepera 1.5% ya kukula kwa ngongole, mwakulitsa komwe zinthuzo zimawerengedwa pamtengo wogula.

Mukalowa mu mtunda, mumalemba mawu omwe atchula zomwe mukufuna ku nyumba: ziwerengero za zipinda, merar merrar, komwe kuli.D. Mtengo wa msika wolondola wolondola sankhani mtengo wofanana wa nyumba. Idzakhala yogwirizana ndi nzika yomwe idapereka mawu ovomerezeka kwa mamembala a Comwenor, ndikuwonetsa lingaliro la Wapampando wa mgwirizano womwe ulipo kwa nzika ya LNA. Pambuyo popeza kapena kumanga kwa wogwirizana ndi membala wa malo okhala, kukula kwa choperekacho chikufotokozedwa pamaziko a mtengo wapamwamba wa omwe atengedwa kapena kulowa mu lingaliro la Wapampando a ogwirizana, yolumikizidwa ndi membala wa LNA.

Timawerengera: Kutenga nawo gawo kwanyumba, timagula nyumba zokwana ma ruble 5 miliyoni. Kukula kwa ngongole kumakhala kofanana ndi theka la mtengo wa nyumbayo, ndiye kuti ma ruble 2.5 miliyoni. Kuchuluka kwa chimbalangondo kuti mudziwe mogwirizana ndi zisonyezo wamba za omwe akugwirizana pano - 5% ya kukula kwa ngongole (ma ruble 125). Kuphatikiza pafupifupi ma ruble 75. (1.5-3% ya kukula kwa ngongole) pachaka chiyenera kusamutsidwa ku Fund Bond. Kuphatikiza apo, kuchuluka kwa ndalama zomwe zimawonjezeredwa ndi kuchuluka kwa msonkho payekha (popeza malamulo a msonkho wofanana ndi ndalama zolipirira) - kutengera 3/4 ya chiwerengero chotsimikizika champhamvu chapano chokhazikitsidwa ndi banki yapakati pa tsiku lolandila ndalama zotere. Chifukwa chake, wogawana nawo wa Jilkoperative amalipira ma ruble oposa 250. pachaka. Nthawi yomweyo, zopereka zapachaka zikasiya mgwirizano kwa kaya kuti zibwezeretsedwe.

Ubwino ndi Cons lna

Chithunzi m. Swedechkova, V. Ma Chernoyhov Tiyeni tiyambe ndi zabwino zosemedwa:

Pojowina zhilkooopative, palibe njira zazitali zomwe zikufunika, akamalumikizana ndi bankiyo ngongole yanyumba; Palibe zoletsa pansi, m'badwo, mkhalidwe waukwati, palibe malo okhala;

Palibenso chifukwa chotsimikizira kuti zanu zitheke kapena kusaka kwa ogonjera;

ikhoza kugulidwa malo okhala m'dziko lathu;

Popeza zopereka zothandizirana zimatha kugwiritsidwa ntchito pogula kapena kumanga nyumba, mogwirizana ndi zodalirika, kupatula, zimavomerezedwa tsiku lililonse;

Ogawana nawo amathandizidwa payokha: Malipiro a mamembala ndi zamtsogolo ndi zomwe zili ndi ndalama zobanki, ndiye kuti, ndalama sizikusakanikirana ndikungogwiritsa ntchito zomwe tafotokozazi;

Nyumbayo imagulidwa pambuyo pa wogwirizana ndi ogawana ndi mogwirizana ndi zofunikira zomwe ananena m'mawu atalumikiza za zhilkooopative;

Asanagule nyumba, membala wa nyumbayo amatha kusintha zomwe amafunikira, komanso kuchuluka kwa malipiro mwezi, nthawi ndi kuchuluka kwa nthawi, kuchepetsa nthawi yobwezeretsanso gawo lomwe laperekedwa;

Nyumbayo imatha kulowa 1/3 mtengo wake wamsika wapezeka (malinga ndi kuti nyumbayo yamangidwa kale);

Ndikotheka kuyesa mtengo wa nyumba zomwe zilipo monga zopereka zothandizirana, komanso kugwiritsa ntchito thandizo la ndalama zoperekedwa ndi olemba anzawo ntchito, mabungwe othandizira kapena abale ndi abwenzi;

Desicle yanu yolipira ili ndi ufulu wosamutsa, gulitsani kapena ipatseni membala wina wa Naturadi; Kuphatikiza apo, mutha kudalira kugula kwa nyumba ziwiri nthawi imodzi, mwachitsanzo, makolo ndi ana;

Gawo lotsalalo loti liperekedwe litha kulipidwa pa nthawi yake, ndipo pakakhala kutuluka kwa nyumba, kuchuluka kwa chimbalangondo ndikubwerera.

Tsopano - za minoses. Pamwamba pamapiripo aliwonse amawonetsa chiopsezo chachikulu kuposa ngongole yanyumba. Banki imakhala yokhazikika kwambiri, ndipo mgwirizanowo umatha kukhala dothi lachonde ngati lonyenga.

Makampani ogwirizanitsa ngongole (nsonga) pakapita nthawi ayenera kusinthidwa kukhala lna. Vuto ndikuti ngakhale kukhalapo kwa chithumbacho sikutsutsana ndi malamulowo, mu malamulo awo zochitika zawo sizikuwoneka. Atea amatanthauza kuti kholo lirilonse la mlandu wokhala ndi chidandaulo chokhudza zomwe zizolowezi zimawonedwa chifukwa cha kutaya, mosiyana ndi LNA, siili ndi udindo wawo.

Kodi chopindulitsa kwambiri ndi chiyani chobwereketsa banki kapena kujowina Lng? Malangizo athu: Onani zosankha zonse, kudziwa mipata yathu yazachuma ndipo, yofunika kwambiri, imayamikira kudalirika kwa bungweli, komwe kumafuna kugula nyumba.