Jinginar gida tare da bayyana goyon baya: Sberbank na Rasha. Feedback game da shirin da kuma yanayi na hallara

Domin Rasha jama'a jinginar gida, a hannu daya, shi ne kawai damar samun gidaje a kan sauran - dogon lokacin da bashin bauta. A rikicin na 2015 ya hana mafi yawan damar biya na farko biya kashi-kashi. Ga waɗanda suka ba zai iya warware matsalar, bankuna ya ɓullo da wani kasafin kudin rance shirin. More cikakken bayani game da abin da yake a jinginar gida tare da bayyana (Sberbank na Rasha), a karkashin abin da yanayi da kuma wanda aka bai wa rance, rance karanta on.

statistics

Jinginar gida a cikin Savings Bank tare da gwamnatin, da sharuddan da suke daban-daban a kowane yankin, shi ne Popular. Makonni biyu bayan da farkon na shirin (18.03.2015) kawai a Arewa Caucasus fiye da 150 aikace-aikace da aka ƙaddamar. Sberbank lends abokan ciniki da suka saya gidaje a cikin sabon ginin. Matsakaicin matsayin aro adadin ne miliyan 8 rubles ga babban birnin kasar da kuma St. Petersburg, wasu yankuna - 3 miliyan rubles. Housing sayar kawai doka abokai girmamawa a cikin real dukiya. Hadarin bashi suna rage girmanta. Suna ba da ake bukata ƙarin tabbaci. Inshora da abu na iya zama kai tsaye a sashen na Sberbank na Rasha.

Jinginar gida tare da bayyana goyon baya zai kasance mai aiki har zuwa karshen Fabrairu 2016. A wannan lokaci, shi ne ya shirya don samar da rance totaling 225 biliyan rubles. Kamar yadda na Nuwamba 30, 2015, shi bayar da rance ga 180 biliyan rubles. da 1.5 dubu. aikace-aikace. Aƙalla 30% na Savings Bank jinginar gida kayayyakin bayar karkashin sabon shirin.

Da nufin na shirin

1. Ta da gina masana'antu.
2. Taimaka jama'a da su warware gidaje matsala.

Sberbank: jinginar gida tare da bayyana goyon baya

ciyarwa yanayi ne mai sauki:

• Down biyan bashin: 20% na kudin da gidaje.
• Term: 1-30 shekaru (m).
• Sha'awa kudi: daga 11.9% a rubles.
• Mafi qarancin rance adadin: 45 000 rubles.
• Iyakar adadin: 3 zuwa miliyan 8 rubles. (Danganta yankin).

A aro aka bayar a rubles beli samu dukiya. Mazauna babban birnin kasar da kuma St. Petersburg iya sa ran 8 da miliyan rubles. Sauran 'yan ƙasa za a iya samun rance don a total na 3 da miliyan rubles. Select da abu na iya zama daga cikin Apartments da za a gina, a shirye-sanya gine-gine ko daga girmamawa dillalai. Gamawa kwanan wata dukiya ba kome. Takardu a kan zaba dakin ya kamata a ba wani daga baya fiye da kwanaki 60 bayan da rasit na farko m yanke shawara. Bugu da kari, da na rance ma'aikata za su bukatar da batun na rayuwa inshora da kuma kiwon lafiya na da abokan ciniki. Min Rate Savings Bank jinginar gida tare da bayyana ne 11.9%. Yana ba ya canja bayan da rajista daga cikin abu. Amma shi ne ya rinjayi girman saukar da biyan bashin, da kalmar da shirin, membobinsu a cikin albashi aikin, wani "mai kyau" bashi tarihi a baya. domin rance ba tare da hukumar. Daga cikin ƙarin halin kaka iya sun hada da: kudade domin rayuwa inshora ayyuka da kuma kiwon lafiya kima na samu abu, notarization na takardun.

Bukatun ga borrower

• Age: m shekaru 21, matsakaicin - 55 years (mata) da kuma 60 (maza).
• Rasha fasfo.
• Experience a karshe wurin aiki: 6 watanni.
• Total aikin kwarewa: 12 months.

A abokin ciniki za su jawo hankalin co-bashi (maza, dangi da abokai). Wannan zai taimaka kwanciyar hankali da bashi kaya. A mafi "mataimakansa", da hakan jimlar kudin shiga, wadda aka ƙaddara da matsakaicin adadin da rance.

A algorithm

Don amfani ga sa hannu a cikin shirin "jinginar gida tare da bayyana goyon bayan (Sberbank na Rasha)", dole ku:

1. Cika fitar da wani tsari, wata misali na wanda shi ne a kan kudi ma'aikata website.
2. Tattara wani misali sa na takardun dukkan mahalarta: fasfo kwafin, data a kan m, 2-rami.
3. Samar da takarda zuwa wani reshe na Sberbank na Rasha.
4. Jiran yanke shawara na banki.

A a layi daya, shi wajibi ne da ya tattara a karo na biyu kafa na takardu, wadda ke da alaka da samu dukiya. An mafi sau da yawa amfani a matsayin jingina. Sosai da wuya yarda a yi amfani da bankuna a matsayin tabbaci ga sauran gidaje. Kamar yadda irin wannan abu don samar da: takardar shaidar da rajista, sayarwa da kuma sayan yarjejeniya, cadastral fasfo, da bincike game da rashi na basusuka a biya ga jama'a utilities, bayanai game da sufurin.

mahalarta

A abin da bankuna zai iya bayar da samfurin "jinginar gida tare da bayyana"? Savings Bank, "VTB 24", "Gazprom", "Deltacredit", "Bank of Moscow", "RAB". The so su shiga a cikin shirin bayyana a 30 ne ba kawai manyan amma kuma kananan bankuna. A rabo daga jihar-mallakar kudi cibiyoyin, kazalika da "Sadarwa-banki", "Absolut Bank", "Renaissance" rance lissafta ga wani babban ɓangare na shirya miliyan 400 rubles. Fiye da rabin wannan adadin da yake faruwa credits for Sberbank. Jinginar gida tare da bayyana goyon baya a lokacin da suka gabata rikicin na 2008-2009 yi kawai ta hanyar "VTB". A zabi na kudi ma'aikata ba zai tasiri da sharuddan da rance. Wadannan dokoki domin samun kudi. A borrower za ta biya akalla na 11.9% annum na adadin. Matsakaicin diyya ga wanda bankunan iya dogara a kan jihar, shi ne 5.5%. Ma'aikatar kudi ta kasaftawa daga jihar kasafin kudin biliyan 20 rubles don biyan kudin aikin. Tun karshen shekarar 2015 aka ba hukuncin kisa da shirin, da shirin ranar karewa mika.

sakamakon

Saboda shirin "jinginar gida tare da bayyana" (Savings Bank of Rasha) ne har yanzu inganci, a takaice da sakamakon tukuna. Duk da yake ba za ka iya kawai magana game da sayar da dukiya kuzarin kawo cikas. Saboda haka, kusan duk developers to Afrilu 2015 akwai wani kaifi karuwa a yawan sanya hannu tallace-tallace kwangila. A farko mahalarta na shirin fara tattara takardu a cikin Janairu a bara, amma dakatarda da kisa da yarjejeniyar da kaddamar da wani sabon samfurin. Farko da su shiga kwangila tare da m kasafin kudin. A aro dauka mutane da aka kirgawa a kan farkon biya (ga abin da fare ba haka ba ne mai akida), kazalika da wa? Anda suka sanya hannu kwangilar ga wani gajeren lokaci (3-5 shekaru) domin ba ta biya sha'awa.

Daga tsakiyar shekara fara fito fili abokan ciniki da suka dade da aka eyeing ga gidaje a sabon gine-gine. Duk da rage bukatar, a kowane wata iyaka na dukiya da aka yi ƙunci. Wannan shi ne musamman bayyananna a kan a high mataki na shiri abubuwa, wanda sayar da mai gidan da shekaru da yawa.

Features

Mafi yawa daga cikin deals ne ta hanyar Sberbank. Jinginar gida tare da bayyana goyon baya, ba shakka, ya spurred bukatar dukiya. Amma har yanzu akwai abokan ciniki wanda, duk da kaifi digo a cikin ruble, shirya don en rance, har ma a misali yanayi. Idan a baya abokan ciniki suna bi a Sberbank, saboda akwai mafi ƙasƙanci kudi, kana a yanzu samun wani dauke sharadi, su ne da ake ji wa sauran cibiyoyin, kuma ba kawai a kan jihar na shirin.

Shirin yanayi ma canza. A baya can, shi yiwuwa a sãka da rance zuwa 75 shekara. Yanzu mun kafa wani sabon bakin kofa - shekaru 60 ga maza da kuma 55 - ga mata. A cewar da gine-gine, da talakawan shekaru na borrower - 25-35 shekaru, da kuma kwangila ne yafi na 10-15 shekaru.

ƙarin finpodderzhka

Shin, zan riƙi fita a jinginar gida Sberbank tare da bayyana goyon baya? A wannan tambaya kowane m borrower ne alhakin kansa. Developers ma da don yin yaki domin kowane abokin ciniki. Don wannan karshen, suna tasowa su biyayya shirin. Wasu daga cikinsu suna da riba Sberbank shirin.

Alal misali, FGC "Jagoran" da kuma banki "Opening" kaddamar da wani tallafin shirin, ba kawai da gwamnatin amma kuma ta developer. Sharuɗɗa da su ne kamar haka: na farko shekara abokin ciniki biya 8 ko kashi 10 cikin dari da annum, dangane da adadin saukar da biyan bashin. Daga shekara ta biyu cikin kudi yakan to 11,95% ko sama zuwa cewa kudi, wanda zai bayar da banki, dangane da borrower ta kudi matsayi. Credit za a iya bayar domin a kalla 30 shekaru.

CC "Jagoran Group" daukawa fitar da wani yakin ga mazauna babban birnin kasar. Buyers na dukiya a cikin kwata "Jagoran Park" unguwannin "City na Farin Ciki" da "frontal-City" ne mai rangwame na 12% na jimlar tamanin da dukiya, idan da gidaje da aka samu a karkashin sharuddan da jinginar gida. Me musamman bashi ma'aikata za a kamu da, ba kome.

"Khimki Groups" m tallafi kudi da kashi daya. Wannan ne, idan jinginar gida aka bayar ga jihar goyon bayan shirin, abokin ciniki ba biya 11.9% da kuma 11%. "City-XXI Century" da "Absolut Bank" kafa wani affiliate shirin domin sayan gidaje a cikin hadaddun "Rayuwa Launuka" a 11.5%. Urban Group kaddamar da aikin "Support zuwa jihar goyon baya", a cikin abin da duk mahalarta rate an rage zuwa hudu da cent.

Sberbank. Jinginar gida tare da bayyana goyon baya: reviews

Babbar drawback, wanda aka alama da mahalarta da shirin, - karamin selection na dukiya. A girmamawa da Sberbank bashi inflated gidaje farashin. Kuma idan ka saya wani Apartment ta hanyar wani kamfanin, rabon zai kara. Matsala ta biyu - babban farko biyan bashin. A karkashin sharuddan da misali shirin, da borrower iya sa 10% a cikin nau'i na wani gaba. Yanzu wannan adadi ya karu zuwa 20%. Wannan yana nufin cewa idan da mutane zai iya ƙidaya a kan "kopeck yanki" a wani zama yankin, shi ne a yanzu da wuya ta araha daya dakuna ko studio Apartment. Wani nake toshe - da sha'awa kudi. A gaskiya, shi yana karuwa ta game da 1%. A lissafi na jinginar gida da gwamnati. Sberbank shirya don samar da rance ga abokin ciniki ta 11.9%. A wannan alamomin su ne ƙarshe na kwangila na rayuwa inshora na borrower ga a kalla 1 shekara. Bayan watanni 12, da borrower dole sabunta da inshora, in ba haka ba da kudi zai kara zuwa 12.9%.

A daidai wannan lokaci, bashi ce tabbatacce gefe. Na farko, da shirya lokaci na duk paperwork da hannu a cikin banki sarrafa. Customers bayyana na musamman domin sanya hannu kan kwangila. Na biyu, ko da tare da inshora biya wata-wata ijãra a kansa shi ne dan kadan fi da haya ga wata irin Apartment.

A kasa

Budget shirin ba ka damar sayan dukiya a fifikon sha'awa kudi (da 11.9%) har zuwa shekaru 30. Bashi riƙe da hakkin ya yi amfani da haihuwa babban birnin kasar, ya rufe wani bangare na bashin sa'an nan samun wani haraji cire. Amma da shirin yana da nasa drawbacks. Farko, da wata iyaka adadin halartar bankuna. Akwai kawai 30. Amma a zahiri shine a kananan lardin garuruwa iya amfani ne kawai a cikin "VTB 24" da kuma Savings Bank. Na biyu - na farko biyan 20%. Don kwatanta, a cikin "TCB" a cikin wannan jiha shirin zai iya samun rance, da biyan wani gaba da biyan kashi 15%. A daya hannun, da karin kudi za su yi wani m borrower a matsayin saukar da biyan bashin, da ƙananan da sha'awa kudi a kan ya iya ƙidaya.