Pehea e uku i ka aie o emi o na mau hoalauna? Sberbank moraki hua'ōlelo

E lilo i ka mea nāna o kou mau 'ohana pūnana hiki ke hoʻohana' ole wale lākou iho makauliʻi, akā, i aie dala, na mea i kaumahaia ma Sberbank. moraki hua'ōlelo ae ole e kuai i ola pokole, akā, no hoi, e kiʻi i ke aupuni i ka hale a me ka neoneo, he aoeaiia caaiea a me ka eiaeaie no kou kaa, aina hoohalua ana no kēia hale noho e kukulu, a kūkulu i ka hale ma luna o lākou iho.

Ma keia hihia, e hiki ke hoʻohana mau aoao, e emi na koina no ka loaa ana i ka palupalu aie, a me maternity poʻo dala, a me ke komo 'ana i loko o ka hoʻolako' moraki'ōnaehana no servicemen, a me nā ho'ēmi kālā no ka opiopio ohana.

Pehea ka nui o manawa oe e i ka uku?

Terms o ka moraki Sberbank i keia la - he loaʻono ai no ka poe i ke aikane, e noho ana ma ko lakou mau home ai 'ole i loko o kou keʻena. Ma hope o nā mea a pau, e hiki ke neʻe koke ma hope o ke kakau ana o ka hana, a hookaa aku i ka apana - no 30 makahiki. Ke koe nō ia i ka wale aie no ka hou hale, a he oiaio, ua, e kaʻana like i kūkulu i ole i ua waiho i loko o ana o ka hale - koke hoʻoneʻe, e pau auaneʻi, a e hoʻi i ka hoaie oe pono ma wale 12 makahiki.

Ehia ona mau dala hiki ke lawe?

ʻO kā mākou dala o borrowings, aole ia e hookupaa Sberbank. moraki hua'ōlelo kaupalena wale ka lākiō o ka waiwai o ka mea aie a hiki i ka nui o ka lilo maoli waiwai. Oe hiki ole lawe hou aku 85-90% o ka kuokoa loiloi 'ana o ka waiwai,ʻaʻohe mea i ke kumukuai noi ma nā mea kūʻai.

Ua mea hoi nui i ka makauliʻi Bank o ka pono, e lawe mai i ka pono a hiki i ka kūʻai:

• 10% o kona waiwai i loko o ka kaʻoihana kālā o ka 'āpana o ka hoʻopau' ana i hale ma luna o ka haumāna kuai, a me ka hou hale, e like me ka pono me ia ma ka hana o ka waiwai hale a kūʻai o ka aoeaiia caaiea;
• 15% - ma ka āpana me ke komo ana o ka aina maoli waiwai aie;
• 0% - no ka refinancing o na moraki loan ia mai nā kapa a puʻu. Inā keia aie, e haawi Sberbank moraki hua'ōlelo e e nui aku waiwai.

Ua hoohana ae la o ka loina hooponopono - i ka nui o ko lākou mau waiwai komo i loko o ka hana, a me ka mea ma lalo o ka lākiō o ka maikaʻi i ka aie kiko'î.

Pehea ka nui o kekahi moraki i loko o ka makauliʻi Bank?

Makauliʻi Bank, moraki hua'ōlelo mea i loaʻa iā ia i nā nā noi laweʻae'ē market, e kaumaha ana i wale i ka puu o ke kala, a ma o ka lōʻihi makahiki, akā, e hōʻoiaʻiʻo pū he uuku overpayment ma ka aie. Ka uku no ka papahana likeʻole, a no kekahi mau nā mea kūʻai maiʻokoʻa:

• ma 10,5% o ka makahiki e kiʻi i ke kala, opiopio ohana a me koa limahana;
• ma lalo o 12% no ka makahiki e haawi aku i ka nui maoli waiwai loan;
• oe ke refinance loan mai nā kapa ma 12,25% ka makahiki;
• ma 12,5% e mea hiki ke kūkulu i ka hale a wahi uku makahiki.

Ke koho oe loa kekahi moraki - aku ana no ka loaa Sberbank e puhi ia, ke kaumaha ma muli nui aʻe. He mai ai i kou hiki, e uku, a me ka hiki e koke uku aku i ka noi paʻa a me ka degere o "aloha" me ka pali, hilinaʻi nui ma luna o ka nui o ka emi oe i ka uku no ka pono o ka aie dala.

Oe e Pono e hana oolea, e hoao kiaha i kona pono a me ka hoopono, hoiliili pono 'ike, akā, laila, i ke kaumaha ma luna o kou Bedroom makemake e pono ai a me ka uku ma luna o kou moraki hiki e hoopuni a maoli ai.