Nyob qhov twg thiab yuav ua li cas kom tau ib tug nqi tsev nyob rau hauv Chelyabinsk - nta thiab cov tswv yim

Rau hnub tim, lub ntsiab teeb meem yog cov nrhiav tau ntawm ib tug hluas tsev neeg ntawm nws tus kheej cov chav tsev. Nws yog tiag tiag yooj yim. Yog hais tias cov txheeb ze tsis muaj lub sij hawm los pab rau cov tub ntxhais, nws yog tsim nyog los noj cov nyiaj qiv los ntawm lub tsev txhab nyiaj uas muaj kev txaus siab nqi. Txawm tias tag nrho tsoom fwv cov kev pab cuam, cov nyiaj them rov qab ntawm ib tug loj nyiaj txais rau rog nyob deb tsis yog txhua tsev neeg. Teeb meem tshwm sim nyob rau theem ntawm kev cuv npe. Ntug dej sim kom txo tau lawv txaus ntshai, li ntawd, npaj ntau yam tshev ntawm cov ntaub ntawv muab. Niaj hnub no peb yuav tham txog yuav ua li cas kom tau ib tug nqi tsev nyob rau hauv Chelyabinsk, dab tsi muaj teeb meem yuav tshwm sim tau li cas thiab koj yuav tsum tau npaj kom txhij.

Muab kev pab

Lawv tam sim no muaj peev xwm yuav pom txhua txhia qhov chaw: "Kuv yuav pab tau kom coj cov credit", "dai kom zoo nkauj nrog ib tug nqi tsev rau ib tug me me nqi" thiab cov zoo li. Tiam sis peb yuav tsum paub hais tias tsis muaj ib tug yog coj ruaj txaus ntshai. Tus aim ntawm xws tawm - rau sau ib tug nqi rau "pab". Cia nws yuav 500 los yog 1000 rubles, tab sis xws intermediaries yuav tsis teb, vim hais tias daim ntawv thov yog muab tso rau hauv lub bank, uas, nyob rau hauv lem, yuav muab qhov kawg teb. Nrog txoj kev tau zoo koj yuav ua tau ib qho kev thov rau lub tsev txhab nyiaj lawv tus kheej. Tab sis raws li mus coj ib tug nqi tsev nyob rau hauv Chelyabinsk yog tsis yooj yim heev, cov neeg txiav txim siab mus ua si nws muaj kev ruaj ntseg thiab kev them nyiaj-rau-kev pab cuam "cov tub txawg."

Txais kev pab cuam - Tsis Lawv ua hauj lwm?

Undoubtedly, txhua txhua hnub, cov muas thiab cov neeg tsiv mus rau hauv ib lub tsev tshiab. Ib qho ntxiv uas yog hais tias cov neeg cov ntaub ntawv pov thawj yog heev txhij txhua. Tab sis cov kev txaus ntshai thiab lub bank thiab. Cov nyiaj lub tsev kawm ntawv yuav tsum tau muab qhov kev txiav txim ntawm ob mus rau tsib lab rubles, thiab mam li tos nees nkaum xyoo, rov qab los ntawm no sum. Thiab yog hais tias ib tug neeg yog ib tug ob peb xyoos mob heev thiab tsis tau vim rau qhov cov ua hauj lwm? Thiab cov me nyuam me tshuaj ib chav tsev? seb lub tsev txhab nyiaj yuav tsum tau siv no cov tsev apartment, uas yog lub collateral, los yog muaj ntau ntau xyoo rau kev sib foob nrog ib tug neeg? Tag nrho cov kev pheej hmoo thiab nws translates rau hauv siab txaus siab nqi. Qhov ntawd tseem yog qhov kuj them rau cov losses tsim tawm los ntawm lub tsev txhab nyiaj nyob rau hauv xws li mob.

Cov ntsiab lus uas lub tsev txhab nyiaj

Niaj hnub no peb xav kom nrog yuav ua li cas kom tau ib tug nqi tsev nyob rau hauv Chelyabinsk. Txhua txhua xyoo nyob rau hauv lub cheeb tsam no yog ua ntau tshaj li 20 txhiab tsev nyob rau cov nyiaj txais. Nyob rau tib lub sij hawm, xws cov kev pab cuam muaj 20 lub tsev txhab nyiaj. Cov thawj coj yog "Sberbank ntawm Russia" thiab "VTB 24". Dhau li lawv nyob rau hauv no ya khiav lag luam lub tsev txhab nyiaj "Qhib", "UniCredit", "MDM Bank", "Rosbank", "Alfa-Bank", thiab lwm yam Cov regional - .. "Chelyabinvestbank", "UralPromBank" thiab "Uglemetbank".

Txawm li cas los, tej yam kev mob yog zoo nkauj tawv. Nqi mus txog 22,4% ib annum rau ruble qiv nyiaj thiab 12% rau txawv teb chaws txiaj. Nyob rau hauv cov ntaub ntawv no, tus nqi yog nyob ntawm seb tus neeg muaj peev xwm mus hais tau bank nyob rau hauv nws muaj peev xwm them. Yog li ntawd, yog hais tias koj xav yuav ua li cas kom tau ib tug nqi tsev nyob rau hauv Chelyabinsk, koj yuav tsum nco ntsoov tham nrog lub chaw ua hauj lwm, rau tag nrho cov nqi ntawm cov nyiaj ua hauj them se. Nyob rau hauv tas li ntawd, qhib ib tug deposit nyob rau hauv lub xaiv bank thiab pib rho tawm ib qhov nqi txhua lub hlis. Hais txog ib lub xyoo tom qab, koj yuav muaj pov thawj ntawm solvency. Thaum ib tug tsis tshua muaj paj laum yeej yuav tau txais cov neeg ntawm cov nyiaj hli tej yaam num, raws li zoo raws li txais uas muaj ib tug bank account nyob rau hauv tus nqi ntawm cov tsis tsawg tshaj li 30% ntawm peb tes num nqi.

yooj yim uas yuav tsum tau

Tsis yog txhua tus muaj lub sij hawm los khom teeb meem nrog lub chaw ua hauj lwm thiab kom txuag tau nyiaj rau hauv lub txhab. Yuav ua li cas kom tau ib tug nqi tsev nyob rau hauv Chelyabinsk sai? Ua li no, koj muaj ib yam dab tsi yuav tsum tau muaj los ntawm lub tsev txhab nyiaj yuav tau txais raws li collateral. Piv txwv li, koj muaj ib tug me me chav tsev. Cov txhab nyiaj yuav txais cov ntaub ntawv rau ntawm nws lub nqi tsev thiab muab cov nyiaj mus yuav lwm tus. Los yog nws yog tsim nyog los muaj ib tug cia kev them nyiaj. Lub siab dua nws yog, qhov yooj yim dua nws yuav tsum mus rau cov txheej txheem rau deal. Daim ntawv pov thawj ntawm entitlement rau maternity capital tej zaum kuj yuav siv tau raws li ib tug cia kev them nyiaj. Nws muaj lwm yam pej xeem subsidies, uas yog txais ntsuam xyuas nyiaj tsev. Piv txwv li, yog ib tug tshwj xeeb kev pab cuam rau cov tub rog.

Yog hais tias koj tsis muaj tej yam no, sim muab pov thawj ntawm ntau yam pauv loj kev nyob rau hauv ib lub koom haum thiab ib tug siab official cov nyiaj hli. Nyob rau hauv cov ntaub ntawv no, qhov uas yuav ntawm koj daim ntawv thov mus rau lub caij nplooj zeeg, tab sis nyob twj ywm. Thiab yog hais tias tus uas muaj npe tus neeg mob koj tsis ua ntawv thov, thiab nyob rau hauv lawv txhais tes yog tsis yog ib tug sum txaus rau ib tug cia kev them nyiaj, koj yuav tsis siv cov nyiaj rau kev mus ua si rau lub tsev nyiaj - cov lus teb yog tsis muaj.

Peb cia siab tias lub hli them nqi

Nco ntsoov soj ntsuam koj cov kev xaiv. Rau lub hom phiaj no yog ib tug tshwj xeeb lub tshuab xam zauv uas yuav kwv yees ntau npaum li cas koj hliv tawm ib tug nqi tsev nyob rau hauv Chelyabinsk. Xam paj, thiab koj muaj peev xwm Tso saib xyuas free. Yog hais tias koj noj 2 lab rubles rau tsib lub xyoos, lub hli them nyiaj yuav tsum tau 45 000 rubles. Qhov no yog thaum nws los rau qhov qis tshaj tus nqi nyiaj laum, piv txwv li 12%. Ncab lub nyiaj them rau 10 xyoo, koj tau txais ntau tshaj li ib tug txaus nyiam sum, namely, 28,000 rubles. Ces koj yuav tsis tau ib ntau vim hais tias ntawm lub kev them nyiaj tshaj. Piv txwv li, kev noj credit rau 20 xyoo, koj yuav tau them xwb 6000 tsawg tshaj li ib lub hlis, tab sis yuav muab ob zaug kom ntau li ntau.

Yuav ua li cas tus hluas tsev neeg

Yog li ntawd, yog tias koj tsis ntseeg tias daim ntawv thov yog pom zoo, ces sim mus khawb ib tug me ntsis ntawm cov nyiaj. Yog, nws yog ib qhov nyuaj, tshwj xeeb tshaj yog cas ib tug ca. Koj muaj peev xwm ib ntus tsiv mus nyob rau nrog nws niam nws txiv, thiab tus nqi uas tau siv rau cov nyiaj them ntawm vaj tse, rau kev ncua, ntxiv mus rau nws txawm tias tus tib tug nqi. Nws qhia kev qhuab qhia thiab ib tug yav tom ntej lub neej nrog credit. cov nyiaj them tus txheej txheem yog ntev heev. Newlyweds noj ib cov nyiaj txais, koj yuav muaj sij hawm los tu me nyuam, ua ntej tag nrho khom nrog nws.

ob peb nyiaj txais

Raws li ib tug nqi tsev rau ib lub tsev nyob rau hauv Chelyabinsk nyob rau hauv qhov tseeb yog, thiab nyob rau hauv qhov tseeb tseem yuav tau sim kom tau nws, koj yuav tsum mus rau qhov ua kom yuam. Koj puas muaj cov qhab nia? Tsis nco txog qhov kev pom zoo ntawm daim ntawv thov. Thaum zoo tshaj plaws, koj yuav tau muaj re-kev soj ntsuam ntawm daim ntawv thov nrog rau tag nrho cov nyiaj them rov qab. Ntawm cov hoob kawm, ua ntej koj tau txais cov nyiaj nyob rau hauv lub bank. Yog li ntawd, yog dab tsi yuav tsum tau ua li cas? Nrhiav hauv ib chav tsev, tus tswv uas pom zoo tos ib pliag. Nqa cov ntaub ntawv rau lub tsev txhab nyiaj. Yog hais tias ob txhais tes no tsis yog ib tug sum txaus them tus down them nqi, koj yuav tau sib sau ua ke nws ob cov nyiaj txais.

Judging los ntawm cov kev txheeb xyuas, tsis tshua kam lawv cov neeg muas zaub, "Delta Bank". Tiam sis peb yuav tsum dais nyob rau hauv lub siab hais tias phem heev tus neeg mob yuav tsis tau pom qhov twg lwm. Hais tias yog, nws yog cov kev xaiv uas thaum ib tug neeg twb tsis muaj collateral cia them nqi, cov nom ua hauj lwm. Thaum koj tau txais ib qho hauj lwm teb tias daim ntawv thov yog pom zoo, nws yuav tau mus sai sai kos lwm bank neeg credit. Nrog nws koj yuav tau them tawm uas twb muaj lawm nyiaj txais uas muaj twb tau "txom nyem" nyob rau hauv lub tshawb, thiab muaj xws li txhawb cov ntaub ntawv mus rau lub bank, uas yuav ua tus nqi tsev. Qhov seem nyiaj yog ua ib qho kev pib them nyiaj.

Tus thawj cov teeb meem

Yog hais tias koj xav tias qhov no yog qhov kawg, koj yog yuam kev. Tau npaj ib zaug, nws yog ib tug nqi tsev. Siv ib tug nqi tsev rau hauv ib chav tsev nyob rau hauv Chelyabinsk li sai tau, tab sis nws yog ntev thiab heev kim nyob rau hauv cov nqe lus ntawm cov nyiaj. Yog li ntawd, sai li sai raws li ib tug dej siab kev txiav txim siab, yuav tsum tau txiav txim rau koj them cov cadastral passport thiab nws thaum ntxov raug. Tom qab ntawd yuav tuaj rau koj cov neeg sawv cev ntawm qhov kev luj xyuas lub koom haum los soj ntsuam cov muas khoom. Nws yuav raug nqi 2000 rubles. Yog hais tias koj muaj hmoo, muaj ib tug pov thawj ntawm cov nyiaj khwv tau thiab cov kev txaus siab npaum li cas sim ib yam tsawg kawg nkaus, nws yuav tsum 12.5 ib annum rau kaum tsib los yog nees nkaum xyoo.

Tab sis hais tias yog tsis yog txhua txhua. Xaiv qhov chaw uas tau txais nyiaj yuav tsev nyob rau hauv Chelyabinsk, sim mus nrhiav lub bank, qhov muaj yog tsis muaj nqi rau qhov txais credit. Txwv tsis pub, koj yuav muab ntau los ntawm 11,000 rau 25,000 rubles. Nyob rau hauv parallel, lub tuav pov hwm yog ua ncaj nraim (title thiab kev ruaj ntseg), raws li zoo raws li lub neej thiab noj qab haus huv ntawm lub borrower. Nws yuav tsum tau them txhua xyoo. Koj muaj peev xwm tsis kam tuav pov hwm, tab sis, ces lub paj yuav sawv. Tshwm sim tawm lub hli los ntawm 7000 mus 10000 rubles ib xyoo.

cov nyiaj txais kev pom zoo

Raws li koj tau pom, tej yam uas yog tsis raws li ceev ceev thiab pheej yig li no mas. Yog li ntawd, ua ntej koj xav txog qhov twg thiab yuav ua li cas kom tau ib tug nqi tsev rau hauv ib chav tsev nyob rau hauv Chelyabinsk, koj yuav tsum nco ntsoov ua tib zoo luj lawv cov nyiaj txiag muaj peev xwm. Lub tsev txhab nyiaj yuav pom zoo rau xaiv tsev ib ob peb hnub txij thaum lub sij hawm tuaj txog ntawm appraisers. Ces koj yuav ua tau ib tug cia kev them nyiaj rau cov neeg muag khoom, 15% ntawm tus nqi ntawm vaj tse nyob. Nco ntsoov tias, peb muaj thiab ua rau tawm ib tug neeg cov nyiaj txais. Nyob rau hauv tej rooj plaub, lub tsev txhab nyiaj yuav tsum tau 30% ntawm tus nqi no yog cia li thiab muab raws li ib tug thawj zaug them.

Lub deal nws tus kheej yuav siv sij hawm qhov chaw ib lub lim tiam tom qab. Tam sim no koj yuav tsum tau tuaj mus rau lub chaw ua hauj lwm ntawm lub tsev txhab nyiaj thiab kos npe rau tag nrho cov ntaub ntawv. Cov buyer sau ib daim hais tias nws tau txais ib tug thawj zaug them. Tam sim no koj muaj peev xwm mus rau Regpalatu thiab cov ntaub ntawv deal. Hais txog ib lub lim tiam tom qab yuav tsum npaj kom txhij cov ntaub ntawv. Tam sim no koj tau ib tug nqi tsev rau lub tsev txhab nyiaj, thiab sai li sai raws li nws yog managers, lub buyer yuav tau tag nrho cov nqi rau koj tus account.

Yuav ua li cas kom tau ib tug nqi tsev tsis muaj ib tug cia kev them nyiaj

Nyob rau hauv Chelyabinsk, raws li zoo raws li nyob rau hauv lwm lub zos ntawm Russia, nws yuav ua tau heev yooj yim mus coj ib tug mus tib seem neeg thiab nyiaj txais muas tsev credit. Yog li ntawd, cov neeg muas zaub feem ntau xav kom tsis txhob muaj lub sij hawm no rau qhov teeb meem ib tug txais nyiaj rau tag nrho cov nqi ntawm vaj tse nyob. Tab sis qhov no yuav ua tau ib tug teeb meem loj. Kom tsis txhob rau lawv, koj muaj peev xwm sib nrog tej txheeb ze uas yuav sau npe rau lawv cov tsev raws li collateral. Ces tus bank yuav nkag dua pom zoo muab rau koj tib yam nqi, uas yog tsim nyog rau cov kev sib pauv ntawm purchase thiab muag khoom.

Qhov thib ob xaiv - yog hais tias ib tug neeg ua ib tug tseeb tseeb. Nws yog ib qho tseem ceeb hais tias qhov no tus neeg ntawd yog nyob rau hauv lub chav tsev tej khoom vaj tse lossis hauv tsheb, los yog zoo dua, thiab hais tias, thiab lwm. Nyob rau hauv tas li ntawd, nws yuav tsum ua hauj lwm thiab tau txais hauj cov nyiaj hli.

Tsev los yog lub tsev

Nqi tsev ntawm ib tug private lub tsev nyob rau hauv Chelyabinsk yog coj txawm ntau tham tshaj ib chav tsev. Niaj hnub no, xws ib qho kev xaiv yog xam los ntawm ntau cov tsev neeg. Rau ib txhia yog ib lub sij hawm nyob rau hauv ib tug ecologically huv cheeb tsam, lwm xav kom loj hlob txiv hmab txiv ntoo thiab zaub rau lub site. Nyob rau hauv txhua rooj plaub, lwm lub tsev zoo txaus nyiam me me chav tsev. Tu siab, nws yog heev kim muas, ces koj yuav tau mus rau chaw uasi rau qiv.

Yuav ua li cas nyuaj

Nqi tsev rau ib lub tsev nyob rau hauv Chelyabinsk yuav tau kev pom zoo yog hais tias nws muaj raws li tej yam uas yuav tsum tau. Nws yog ib tug kwv uas muaj tsawg liquidity tshaj cov tsev apartment. Yog li ntawd, lub tsev txhab nyiaj yog ua tib zoo ntsuam xyuas nws cov kev mob, qhov chaw thiab txawm cov ntaub ntawv los ntawm uas nws yog ua tau. Qhov no yog to taub, lawv yog feem ntau txaus siab rau seb lawv yuav muag nws sai sai thiab rov qab mus rau cov nyiaj siv.

Ib txhia txais tsev yuav teb koj sai li sai tau, tsis txhob tig rau qhov teeb meem ib tug nqi tsev rau ib lub tsev nyob rau hauv Chelyabinsk. Cov nyiaj txais muas tsev rau lub tsev rau lub tsev txhab nyiaj rau qhov teeb meem, cia li xav mus sau ntxiv cov ntaub ntawv. Yog li ntawd, muaj ib tug ob peb tseem ceeb nta.

• Yog hais tias qhov chaw ntawm lub chav tsev yog tsis dhau feem xyuam rau cov tshuaj, ntawm no nws yuav yog ib lub tseem ceeb tshaj. Kev sib txuas lus thiab cov kev mob ntawm lub tsev, ib yam nkaus thiab, ua si ib tug tseem ceeb luag hauj lwm.
• Cov kev cog lus ncua mus rau lub teb chaws.
• Paj nyob rau hauv koj txais nyiaj yuav tsev yog siab tshaj nyob rau hauv cov ntaub ntawv ntawm ib tug ca.
• Peb yuav tsum tso siab rau ntxiv bank nqi.

es tsis txhob ntawm ib tug xaus

Raws li koj tau pom, nyiaj txais muas tsev sau npe yuav tsum tau ib tug sober pom ntawm tej yam thiab cov nyob rau ntawm ib tug tag nrho pawg ntawm cov ntaub ntawv, uas muaj peev xwm paub meej tias cov solvency. Yog hais tias niaj hnub no koj tseem tsis tau kam muab lawv mus rau lub bank, nws yog tej zaum ib yam nkaus thiab thaum ntxov xav txog nyiaj txais muas tsev txais nyiaj. Koj yuav mus rau lub tsev txhab nyiaj thiab hais kom koj ua ib yam ua ntej muab xam. Ua li no, coj cov nyiaj tau daim ntawv qhia, qhia tus neeg saib xyuas txog muaj cov qhab nia, vaj tse, ua lag ua luam. Nyob rau hauv cov ntaub ntawv no, koj paub kwv yees li cas koj yeej yuav tau txais.