Co-borrower a kan jinginar gida - wannan shi ne ... A borrower kuma co-borrower

Mafi sau da yawa, a lokacin da jinginar gidaje, bayar da banki da adadin ba zai isa ba, wajen sayen gidaje. A irin wannan yanayi, da borrower ya nemi taimako daga wani co-borrower. Game da cewa, wanda shi ne co-borrower da kuma yadda zai iya taimaka, za a tattauna a wannan labarin.

Wane ne a co-borrower

Co-borrower a kan jinginar gida - wannan shi ne mutumin da alhakin mai jinginar gida ga mai ba da bashi tare da babban borrower. A wasu kalmomin, zai yi sãka da jinginar gida rance idan primary borrower ya kasa yin haka.

Yawancin lokaci ta wajen wani co-borrower tunani akai, a cikin taron da cewa bankin ya wadãtu abokin ciniki ta samun kudin shiga ga jinginar gida biya rashin cancantar kansu. Akwai iya zama biyu zažužžukan: yarda a low-cost mahalli, ko da wani zabin - jinginar gidaje na biyu.

Wa zai iya zama a co-borrower

Dangane da yanayi da kuma bukatun na banki, yana iya zama 'yan mutane zuwa sãka da rance, amma ba fiye da hudu ko biyar. Co-borrower a kan jinginar gida - wannan shi ne ba wai kawai wata mata da dangi, amma kuma don wani mutum. Duk da haka, yanayi daban-daban na iya zama a kowane banki, don haka kafin ka samu bashi, dole ne ka saka duk nuances.

A cewar Rasha dokar abokin a kan wani jinginar gida rance ne ta atomatik gane a matsayin halattaciyar mata. Duk da haka, idan maza ba su son su zama a hade da alhakin jinginar gida biya ko rabo sayan na zama dukiya zai zama daban-daban, sa'an nan shi wajibi ne a kammala da wani auren.

Idan co-borrower ne aboki ko sani na babban payer, sa'an nan ya kamata ka sani da kuma fahimta cewa shi ya zama daidai da wannan alhakin mutum na binsa bashi, a taron na unforeseen hali, zai yi sãka da jinginar gida biya da dama nan gaba gida ikon mallakar.

ake bukata takardun

A sa na takardun da dole ne a sallama zuwa co-borrower a kan jinginar gida - wannan shi ne guda takardun kamar yadda na babban borrower, wato:

• Fasfo.
• Certificate na fensho Insurance.
• Daftarin aiki da tabbatar da rajista a wurin ainihin wurin zama.
• Identity takardun dukkan wadanda suka rayu tare da shi (qananan yara, mata, iyaye).
• Work-littafi.
• Bayani game da samun kudin shiga tabbaci.
• Daftarin aiki gaban ilimi.
• Sauran takardun nema da banki.

co-borrower samun kudin shiga

Daban-daban bankuna da daban-daban halaye da co-borrower samun kudin shiga. Wasu ba haka muhimmanci da girman su albashi, kuma wasu suna la'akari takarar domin co-samar da jinginar gida rance ba sauki fiye da babban borrower. Alal misali, a co-borrower a kan jinginar gida a cikin Savings Bank zai yi don mu tabbatar da ikon biya, da kuma girman albashi - cika da ake buƙata kashi na biya kudade. Wannan shi ne don shi hõre kusan guda da bukatun kamar yadda ga borrower.

Co-borrower a kan jinginar gida: da 'yancin da wajibai

Borrower a wani halin da ake ciki m kazalika da co-borrower a kan jinginar gida. dama ga dukiya za a iya sanya a cikin kwangila na jinginar gida na rance, wato, ba za su iya zama ko dai daidai sassa, da kuma an rarraba su zuwa wasu sassa na kanka.

The jinginar gida yarjejeniyar dole ne saka har zuwa abin da Solidarity za a sãka masa ba fãce rance biya. Alal misali, co-borrower jinginar gida Sberbank iya biya bashin da borrower daidaita rabo. Kuma akwai wani zaɓi, da co-borrower zai sãka da biya kawai a yanayin saukan idan ba iya sa borrower.

A cikin wani hali, da alhakin da hakkin ya raba daidai tsakanin jinginar gida mabartan. Saboda haka, duk kudi dangantaka tsakanin borrower da jinginar gida abokin bukatar da za a rubuce, musamman idan sun kasance ba dangi.

Kuma da co-borrower ta bashi tarihi

Banks ne sosai m ga abokin ciniki ta bashi tarihi, cewa shi ne, kamar yadda a baya, suka sãka rance biya. Domin shekaru goma sha biyar, da bashi hukumar bashi rahotannin da ake kiyaye dukkan Rasha jama'a. Ba kome wanda banki da aka bayar baya aro kudi, idan dai bashi tarihi ya positive. Wannan kuma ya shafi borrower kuma co-borrower. A cikin taron cewa daya daga cikinsu da tarihi na biya na bashi rance ne, a'a, to banki su ki fitowa jinginar gidaje biyu.

Akwai wani subtlety. A cikin taron cewa borrower, ga abin da dalilai zai zama wanda arzikinsa ya karye kuma co-borrower ba zai iya sãka da jinginar gida rance a kan nasu, da bashi tarihi na biyu zai zama korau. Saboda haka, so don taimaka, mutumin da babba bãshin iya fada a cikin jerin unreliable kuma m abokan ciniki. Kuma shi zai iya yin mummunan tasiri a nan gaba don en wani sabon rance, rance idan ake so.

Co-borrower da tabbacin

Mutane da yawa zaton cewa co-borrower a kan jinginar gida - wannan shi ne guda lãmuncẽwa a kanku. Duk da haka, shi ne, ba kamar yadda yake suna da irin wannan fasali.

Wakili ne Wakili na samu kudi bayar da mai ba da bashi, amma shi ba shi da ikon mallakar na samu jinginar gida gidaje ko dukiya. Har ila yau, a lokacin da hanya na rajista da tsabar kudi aro tabbacin ba zai iya yin banki takardar shaidar da hujja na samun kudin shiga.

Har ila yau, wani bambanci tsakanin co-borrower da lãmuncẽwa a kanku ne cewa tabbacin ta samun kudin shiga ba a dauki la'akari lokacin kirga matsakaicin size na aro da ba zai iya shafar adadin da borrower ta samun kudin shiga. Amma da co-borrower samun kudin shiga, da bambanci, da hannu a cikin al'amarin, idan borrower yana da babban isa matakin na Hakkin.

Kamar yadda fifiko na biya tabbacin rance ne a kasa, wato, da borrower biya bashin da farko, sa'an nan a taron na insolvency fara biya co-borrower, Wakili kuma kawai sai, idan borrower kuma co-borrower ba zai iya sãka da rance.

Bankin na yanayi na co-borrower

Tun da borrower kuma co-borrower da jinginar gida da wannan 'yancin da wajibai zuwa banki, to, shi fallashi su ga wannan bukatun. Saboda haka, abokin a kan jinginar gida na iya zama magadansa na Rasha Federation ba ƙaramin fiye shekara goma sha takwas da haihuwa, wanda yake a cikin mataki na kinship tare da babban borrower ko ba. Daya daga cikin manyan yanayi na banki a tabbatar da dawowar jinginar gida rance, shi ne kasancewar wani m tsawon na sabis na akalla watanni shida kafin jerawa.

Karkashin dokar co-borrower ne ta atomatik gane da borrower ta mata, kuma ba za ka iya ko da nema. Idan mata ne ba su isa babban matakin samun kudin shiga, sa'an nan da banki iya haifar da yanayi na bayar da wani jinginar gida rance - don jawo hankalin daya ko biyu co-bashi. Mafi m, matasa biyu ba ya so ya raba gidajensu tare da abokai ko idon sani, don haka suna iya zabi rawar da "mataimaka" na iyaye ko kusa da dangi.

kasada

Da farko hadarin, ba shakka, fiye da a co-borrower, maimakon bashi a kan jinginar gida. So su taimaka, da yawa ba su tunani a kan zai yiwu sakamakon da zai yiwu matsaloli. Jinginar gida Loan ba sãka a cikin 'yan watanni, da kuma aka dauka domin shekaru masu yawa. Saboda haka, da matsaloli kamar rashin lafiya, nakasa, da kuma sauran surprises iya cutar da aljihu co-borrower. Wannan Gaskiya ne, a lokuta lokacin da kwangila tanadi cewa duk wajibai gaba daya wuce zuwa da shi a cikin halin da ake ciki na insolvency na babba bãshin.

Yana kuma ya faru da cewa iyaye zama co-bashi matasa biyu, yin fita a kan tsaro na nasu dukiya, da kuma lokacin da 'ya'yansu ba zato ba tsammani saki, suka samu kansu a cikin wani sosai m halin da ake ciki - basusuka da wani Apartment a jinginar gida.

Idan your friends sun yanke shawarar taimakawa da kuma dauki a kan irin wannan alhakin, kuma bayan wani lokaci da borrower zama wanda arzikinsa ya karye, kuma ki yarda biya a kan rance, rance da bankin zai rike bashi biya tare da su. Kuma kyau, idan borrower ne iya biya a co-borrower ciyar kudi a nan gaba.

Akwai wani alama a lokacin da mutane da dama sanya daga jinginar gidaje. Sberbank, kazalika da yawa bankuna iya ƙi co-borrower, a lokacin da ya yanke shawarar da ya saya wani Apartment a bashi domin kansu saboda wani rashin samuwa kudi a total adadin kudin shiga.

Kamar yadda ka gani, akwai mutane da yawa kasada domin a co-borrower, da kuma kafin ya zama wani mataimaki a cikin irin wannan wani muhimmin taron a matsayin saya na Apartments, kudin mai yawa da lokaci zuwa tunani, to sai ba su rasa abokai da dangi.

lamuntawa Insurance

Domin kada ya fada cikin mawuyacin hali, kowane gefe a lokacin da ake ji wa wani aro ya kamata ka sani na da 'yancin, ciki har da co-borrower. Hakkokin a wani jinginar gida rance, rance kamar yadda ya bayyana a sama, suna kama tsakanin bãshin a kan aro. Amma babban abu cewa yana yin co-borrower - shi ne inshora kansu.

Kamar yadda Wakili na rance biya, ya kamata ka inshora your ikon, kuma a cikin akwati na insolvency na inshora kamfanin riga zai dauki kan m biya. Saboda haka, inshora manufofin samar da wani tabbacin dace biyan jinginar gida bashi a taron na unforeseen yanayi.

Wani lokaci co-bashi ne abokan aiki da suka sayi dukiya ga kasuwanci. Haka kuma, biyan wata jinginar gida tare, suna bukatar su inshora dukiya, kazalika da ta fahimcin muhimmancin.

A inshora kwangila ne kusan duk bankuna, musamman idan jinginar gida na rance da sabis. Sberbank, misali, a lokacin da ka yi wani inshora siyasa a wasu lokuta soke hukumar cewa abokan ciniki sun fi sha'awar a cikin sabis na bankin.

Inshora ne m ba kawai a co-borrower, amma banki kanta. Yana bayar da tabbace amfanin da kuma kare da wani iri-iri da matsaloli, kamar bashi tarin, kudi asarar.

Jinginar gida aro tare da co-bashi - wani sosai tsanani, don haka a ƙarshe na kwangila ya kamata a hankali karatu shi kuma gano dukkan husũma al'amurran da suka shafi.