Menene zai faru idan ba ku biya jinginar ba kuma idan ba ku da abin biyan shi?
Sannu, sunana Sergey Nikolaevich. Mun sayi gida a kan lamuni kuma yanzu ya zama da wuya a biya kuɗin. Faɗa mini abin da zai faru idan ban biya jingina ba?
Af, shin ka ga yadda dala ta riga ta kai darajar? Fara samun kuɗi akan banbanci a canjin canjin anan!
Jigon jinginar gida yarjejeniyar yarjejeniya ce ga dukiyar da aka siya. Idan ba a bin ƙa'idodin yarjejeniyar bashi, ma'aikatar kuɗi za ta ɗauki matakai dangane da mai rancen. Saboda haka, yana da mahimmanci ga kowane mai bashi ya biya jinginar akan lokaci kuma cikakke.
Akwai lokuta da yawa lokacin da mutane basu sami ikon biyan kuɗin da ake buƙata zuwa asusun banki ba. Dalilin wannan na iya zama yanayi daban-daban, alal misali, jinkirta albashi, sallama ko fitowar farkon larurar kuɗi don wasu dalilai. Sakamakon shine biyan bashin da aka yi akan lokaci.
Idan ba a biya biyan bashin a kan lokaci ba, to bankin zai yi amfani da hukunci da caji riba.
Game da rashin tsari na biyan bashin jinginar, mai ba da rancen yana da 'yancin gabatar da aikace-aikace ga hukumomin shari'a don kai ƙarar dukiyar. A cikin shari'ar kotu, babu matsala idan wanda ya ci bashi ya sami ƙarin wurin zama guda.
A matsayinka na ƙa'ida, cibiyoyin banki suna zuwa kotu don siyar da kadarorin bankuna da masu bashi, idan duk yunƙurin rinjayar mai bin bashi ya ƙare. Wannan hanyar dawo da kuɗi zuwa banki ba ta da fa'ida sosai. Tunda saida kadarorin da aka kwace ba zai dauki nauyin komai ba.
Mai karbar bashi zai iya neman manajan bankin ya sake fasalin rancen (sabunta jinginar gida) idan akwai rashin kuɗi a cikin lokacin yarjejeniyar ta kwangilar. A wannan halin, bankin na iya tsawaita cikakkiyar ƙarfin jinginar, don haka rage adadin kuɗin kowane wata ko dakatar da biyan bashin.
Shirye-shiryen lamuni mafi riba na bankunan Rasha
A yau zaku iya samun rancen lamuni a cikin tsarin kuɗi da yawa. Koyaya, kowane banki yana gabatar da yanayin kansa don wannan rancen. Cibiyoyin masu zuwa suna ba da shirye-shiryen lamuni mafi amfani a Rasha don masu amfani.
- Sberbank - daga farkon shekara, yana bayar da rance a 12% a kowace shekara. Sunan shirin “Jinginar gida tare da tallafin ƙasa”.
- VTB - bayar da lamunin lamuni a 11.9% a kowace shekara. Ana kiran shirin "Sabin Gine-gine tare da Tallafin Jiha". An sayi gidaje a cikin fitattun gundumomin babban birni.
- Bankin bashi na Moscow - lamuni tare da adadin shekara 12.9%. Yiwuwar rajistar lamuni a duk cikin Moscow. Sunan shirin "Jinginar kasuwanci a kasuwar sakandare".
- RosEvroBank - jinginar gida a 11.45% a shekara. Sunan shirin "Apartment Mortgage". Abubuwan da aka keɓance na rancen shine lokacin neman jinginar kwanaki 7.
- Tinkoffbank - jinginar gida a 10.9% a shekara. Sunan shirin "Sabon gini tare da tallafin jiha". Wani fasalin wannan lamunin shine ikon samun jingina ta hanyar Intanet.
karshe
Zuwa yau, samun rancen lamuni wani tsari ne mai sauki wanda ke buƙatar kulawa ta musamman. Bayan yanke shawara don fitar da jinginar gida, kuna buƙatar la'akari da yuwuwar rikice-rikicen tattalin arziki kuma ku kasance da tabbaci game da kuɗin ku. Za a iya samun ƙarin cikakkun bayanai a cikin labarin - "Yadda za a sayi gida a kan lamuni da kuma inda za a fara"
An ba da rancen gida a kan lokaci mai tsawo. Sabili da haka, kafin neman rance, kuna buƙatar tunani sosai ko zai yiwu koyaushe ku ba da gudummawar kuɗi ko a'a.
Muna fatan mun sami damar amsa tambayarku. Gaisuwa mafi kyau, Ra'ayoyi don ƙungiyar rayuwa!