Gịnị bụ AHML? Atụmatụ nke nzukọ

Mortgages anya e weere na a na-ewu ewu ọrụ n'ihi na ọ na-enye gị ohere ịzụta n'ebe obibi ha. N'ihi nzube a ka Agency e guzobere, ikwe inye ụdị ego. Ọ na-enye na omume ha na-usoro na ọnọdụ, nke nwere ike ịbụ advantageously na reliably ndokwa a nnyefe. Ọzọkwa n'isiokwu a anyị ga-akọwa ihe AHML na ihe na ọnọdụ na-awa ka nwe ụlọ.

echiche

Ya mere, ihe bụ AHML? The Agency maka Housing Mortgage agbazinye. The nzukọ e hiwere na 1997. Ihe kpatara ya kere bụ mmetụta nke ọchịchị ụkpụrụ nke 1996. AZHIK mbak na-n'ihu ọha-ekesịpde.

Ebumnobi na-eme nke ihe owuwu

Gịnị bụ AHML maka ụmụ amaala? The nzukọ ndị na-esonụ ebumnobi:

• Ịmepụta edo ụkpụrụ residential mortgages.
• Inye ọnụ mgbazinye ego.
• Arụ mortgage refinancing.
• Creation nke a nke abụọ ahịa.
• Formation nke ala ahịa.

Na ihe na-AHML maka mba? Nke a na nzukọ na-enyere mmepe nke nnyefe na ngwaahịa, na-na-na-enye liquidity na anoghi n'ulo oba. The obodo nwere AHML gọọmenti etiti na chịkwara òtù na mpaghara larịị.

Na anoghi n'ulo oba na-akpọ Agency eburu ọrụ dị ka ndị a:

• Ha na-ekpebisi ike site na okwu nke ego na a rụrụ oge na-agbaziri agbaziri.
• Onye Mmekọ akụ n'aka na-nyere.
• AHML ịzụrụ si ibe alụmdi nri na n'aka chọrọ.
• Pụtara na-ekwu n'okpuru mortgage gị n'ụlọnga na-enweta site ịtụkwasị nkekọ na ngwaahịa ahịa.
• Mgbe na-agbanwe agbanwe nbinye-agbaziri agbaziri na-enweta a mara na mortgage kpọfere Agency, na ọhụrụ nkọwa maka ugwo. Ọ na-enyo na mbinye ego na-nyere site na steeti.

The n'elu esereese na-egosi na afọ nke nkwekọrịta ọzọ mara mma ọnọdụ ka onwe obot. Nke a bụ n'ihi na ala iwu, nke na-eme mortgages dị. Ma e nwere ike ịbụ ọzọ ebubo si obot.

uru

Ọtụtụ na-echigharịkwuru HMLA. Mortgage borrowers aka nwere ndị na-esonụ uru:

• Ọ bụ a ọha na eze na alụmdi.
• Ka ahịa accesses ichekwa ego na bank nzukọ dị a na onye òtù ọlụlụ nke Agency, nke ikpeazụ anamde a nche ọrụ nke mgbanwe mbụ negotiated okwu.
• The gị n'ụlọnga awade iche iche mortgage mmemme, dị ka e n'ime akaụntụ dị iche iche bi iche iche.

cons

Ma e nwere ụfọdụ nuances na imekọ ihe ọnụ AHML. Mortgages na nzukọ ya drawbacks:

• Ngwa ga-atụle a ogologo oge, nke a na-ejikọta ya na a abụọ-nzọụkwụ analysis nke akwụkwọ - mbụ ọrụ rụrụ site Agency, mgbe ụlọ akụ.
• Awade ụfọdụ mmiri mpi ndị Agency na-enwe ihe mma udu.

Chọrọ maka borrowers

Banks-ekere òkè na ihe omume ahụ, na-Agency ọrụ na ọnọdụ na-ebu ha agbazinye. Ihe atụ, na ụkpụrụ guzosie ike site na ya, e nwere a usoro maka mortgage refinancing na nwere nkwado. Ọzọkwa e nwere ugbu a chọrọ maka ndị azụmahịa.

Borrowers ga izute ndị na-esonụ ọnọdụ:

• Ọnụnọ nke Russian amaala, ndebanye aha na ebe obibi ma ọ bụ ọnụnọ na ndebanye aha nke n'aka.
• Mortgages nyere ụmụ amaala agadi 18-65 afọ.
• N'okpuru otu nkwekọrịta ekwesịghị ịbụ ihe karịrị 3 borrowers.
• Na-agbaziri agbaziri na-akwado ego akwụkwọ 2NDFL ma ọ bụ ihe jupụtara n'ime otu ụdị, nke a na-awa site AHML.

Nkọwa nke Ebe e si nweta na-ewetara na ukara saịtị nke HMLA. The gị n'ụlọnga Monitors nnabata ya na ụkpụrụ na mba, otú ahụ ka mortgages na ọ na-atụle ga-pụrụ ịdabere na.

ụdị mmemme

Onye ọ bụla AHML omume e ji ndị na-esonụ atụmatụ:

• Loans na-nyere na rubles.
• The mbụ ugwo nke 10-30% nke ihe onwunwe bara uru.
• Ugwo ego nwere ike gafere 45% nke ahịa ego.
• Ị mkpa inye mkpuchi.
• Ọ bụrụ na nke nke ala ugwo na-erughị 30%, ọ dị mkpa na amụma mkpuchi ibu ọrụ nke na-agbaziri agbaziri.
• Amụma mkpuchi ndụ nwere ike dị ka ha chọrọ.
• Housing eji dị nnochianya.
• The kacha ego okwu bụ afọ 30.

AHML ọ bụla omume nwere ya uru na ọghọm. Otu n'ime ha - "New". Ọ bụ iji na-enye mortgages maka ụlọ na ụlọ ndị na-wuru mgbe 2007. Ihe omume na-akp na ụlọ "aku na uba" ebe obibi. Rate bụ 6,15% -11%.

The "nne isi obodo" na-enye ohere ka ị na-dịkwuo ego nke n'aka nyere na ego nke isi obodo. Ọzọkwa ọ na-eji na-akwụ onye mbụ ugwo nke 10%. The ọnụego bụ 7,65-10,75%, ma ọ bụrụ na onye bụ isi ụlọ ahịa, na 8,65-12,45% maka abụọ ahịa.

The "Military Mortgage" e mere maka agha na-ekere òkè na ego na nnyefe usoro (NIS). Ha nwere ike inwe a ego nke ruo 2.2 nde rubles. On nnyefe ego nke revenue na-adịghị emetụta. The kacha okwu kpebisiri ike site mgbe ndị ahịa bụ 45 afọ.

Onye ọ bụla usoro ihe omume na-enye ohere ka ị na-a mortgage na mma okwu. nwechapụ na mmezi usoro bụ nnọọ mfe. Ahịa e nyere ihe uru karịa na nkwadebe a ọkọlọtọ nnyefe.