Imali irhafu xa uthenga impahla. irhafu egqithisileyo

Xa uthenga indawo yokuhlala, abantu badla unike ezininzi imali yabo, akuyi kuba njalo ngoncedo oluvela kurhulumente eyolukileyo. Kuyenzeka ukuba ukubuyisa ezinye imali, ukuba ukuphumeza ulandelelwano lweentshukumo.

Isixa-mali ixhuzulwe irhafu

Izindlu ezithengiswayo, leyo obafunyanwa ngexesha elinye-intlawulo, imbuyekezo yerhafu egqithisileyo ibalwa ngokupheleleyo, ukuba ixabiso lilonke injongosenzi hayi ngaphezulu kwe 2000000 engange. Xa kuthengwa izindlu ngeendleko mortgage mntu uya kuba nako ukufumana imbuyekezo epheleleyo kuphela xa ixabiso lepropati ayidluli 6000000 engange.

Isixa-mali ixhuzulwe, imali leyo kumiselwa ngurhulumente, sibalwa kuphela imali abantu ahlawule buqu, xa lwenziwe athenge yokuhlala. imali yerhafu yengeniso singàphunyezwa ngenxa ukuphunyezwa intlawulo eyongezelelweyo, abasayi babuyekezwe. Ukuba ukufunyanwa real estate sikhutshiwe ukuba eziliqela abanini, ngamnye kubo ufumana yerhafu lentlawulo kangangoko kulingana ngexabiso ezinabantu izahlulo kwi egumbini.

Iimpawu ze ukutsalwa kwerhafu

Xa umntu othenga ipropati ngexabiso engange ngaphantsi kwe 2000000, okanye kwiminyaka embalwa unako ukufikelela isixa angekhoyo ukuze ufumane imali yembuyekezo, kunokuba ukubala ipesenti lokuyifumana ngamnye omtsha.

Ukuba umntu ngaxeshanye abanenxaxheba ekuthengisweni obunawo yokwenene, apho wahlala de kutshanje waza wagqiba ukuthenga into entsha, 13% yemali bavumelekile ukuba uthumele ukuba intlawulo yerhafu evela kwintengiso egumbini lakhe. Lo msebenzi kufuneka kuphela nangona ipropati ephethwe yi akukho iminyaka engaphezu kwama-3.

Abantu banelungelo imali yerhafu

1. Abantu uhlanga ye-Russian Federation, kwangaxeshanye ingeniso esemthethweni, isiphumo leyo ukutsalwa kwerhafu yengeniso zobuqu ukuba yenziwe rhoqo. Oku kungenxa yokuba xa ngummi byi-13% lomvuzo ukuya kurhulumente, ngoko, unelungelo lokufumana imali, ke, xa engenako kuthenga impahla.
2. Abahlali kuphela ye-Russian Federation banelungelo lokwenza isicelo kwintlawulo wokutsalwa kwerhafu. Kulo mzekelo, kufuneka sihlale ngaphakathi kwimida Russian Federation hayi ngaphantsi kwe-183 kweentsuku. Ibangel 'umdla into yokuba eli binzana aluvumelekanga ukwahlukana, oko kukuthi, ukuba umntu kwakufuneka ngonaphakade ahambe ngaphandle likarhulumente yokubala kule mihla, inani labo lirhoxisiwe, babuyele ebomini kwakhona ukubala ngosuku lokuqala.
3. abahambi abasisigxina oku kunzima kakhulu ukufumana imbuyekezo. Awafanele abantu, uhlobo umsebenzi oqeqeshelweyo, into zibalwa phakathi ngezandla. Kufuneka uqinisekise ukuba lo mntu ufumana ingeniso evela kule hlobo msebenzi. Olu didi angawi nabangasebenziyo ngokusemthethweni.
4. Abadla umhlala-phantsi, ingeniso rhoqo engaphezulu kwama-5534 engange. Kufuneka enze bona kunjalo kumhla emsebenzini, Ukuhlawula zonke ngenyanga ingeniso yerhafu. Le mali kufuneka ngokusesikweni ukuvela nyanga nganye le umhlala-phantsi, njengoko irhafu ayihlawulwanga ukusuka pension.
5. abantwana Minor. Unga uzakufun aukugqithisa umda leyo sikuko nobuchule babo ayiphelelanga zomthetho, nangona nayiphi na inxalenye kwepropati ekhutshwe ngoko nangoko ukwenzela umntwana. Ngokuba mayingenise isicelo, anikezele onke amaxwebhu abazali okanye zomthetho abagcini babafundi.

Abantu abafanelanga kufumana imali yerhafu

1. Ngokusesikweni IP, njengoko umsebenzi wabo ubanika ithuba lokufumana ingeniso yenyanga ukuba ngaphezulu avareji.
2. abantu zomthetho, njengoko igama lombutho ze phinda irhafu.
3. abemi abasebenzayo musa ukufaka ngokusekelwe le ncwadi yomsebenzi, njengoko imisebenzi yobungcali kwi ngokusekelwe isivumelwano sengqesho okanye ngokungekho.
4. Ngokusesikweni lutho ezinawo sabantu, eyenziwa phezu iirekhodi ngqesho.

Irhafu imali xa uthenga impahla nge irhafu

Amaxwebhu ethile kuphela kwiofisi yerhafu apho umntu onikwe ngokusekelwe yokuhlala okanye ubhaliso isigxina kwindawo yokuhlala ethile. Kufuneka kukhunjulwe ukuba imali irhafu xa uthenga lwenziwa emva kokuba ukufakwa zonke iziqinisekiso eziyimfuneko kunye mvume.

Le phakeji yokufunda kwamaxwebhu zingangeniswa ngalo naluphi na usuku, xa efumana irhafu ethile. Tax kwemali Singakwazi ukwenza nezona emva kosuku apho usuku olusikiweyo lokungenisa irhafu mbuyekezo. Oko ihlelwa emva Aprili 30, la maxwebhu aya kuba semthethweni njengoko efayilini phambi kwaloo mhla.

Ngokuqhelekileyo imali yerhafu yengeniso yenziwa elide ngokwaneleyo. Ngawaphi amaxwebhu angeniswe kwi-rhafu ofisi, ufanele wazi kwangaphambili, pre-zihlangane ngokugcweleyo. Thatha passport Russian. Xa ufaka isicelo minor ngokuyimfuneko kufuneka isiqinisekiso sokuzalwa kwakhe.

Ukongezelela data ezingundoqo ngokuzazisa komntu, wasinika isibhengezo-3-NGOBUCHULE, ebonisa umfanekiso phantse ngokupheleleyo irhafu lomntu. Uncedo 2 NGOBUCHULE kwakhona isixelela malunga notsalo oluthi, izinto ezibanjwayo kusesidlangalaleni, kodwa oko kuphela ngumqeshi. Ukuba umntu usanda kuqala ukusebenza kwindawo entsha, umele ngexesha elifanayo ukunika isiqinisekiso enye evela umsebenzi wangaphambili. Ngokuqhelekileyo, iziqinisekiso ezimbini kungafuneka kwimeko xa umntu esebenza kwindawo entsha ngaphantsi konyaka.

amaxwebhu

1. Zalisa i-akhawunti yakho yebhanki. Kufuneka kuzikhupha libanike ngenyameko enkulu, ekubeni amanani akufunekanga ibe ezinxaxhileyo. Ukuba isicelo komntu samkelwe, abasebenzi kwi mbutho elikhankanyiweyo irhafu akhawunti ukudlulisela imali ebalwe. Ukuba kukho into ukugcwalisa ngokufanelekileyo, akukho siqinisekiso lokubuya imali kwi-akhawunti engalunganga.
2. Tin enikiweyo. Ukuba abantu baye kodwa ixesha ukufumana into ngokukhawuleza ukuba niwuhluthe, unokuba umqeshi wakho.
3. Sijonge amaxwebhu ukuba ubungqina ubunini mhlaba uthengiweyo, ukubuyisela irhafu yengeniso xa uthenga impahla. Ukuba ziyafumaneka ngokupheleleyo. Ngokuqhelekileyo oku kwisivumelwano yentengiso, nangona oku kudla sisenzo ulwamkelo kunye transmission lwezindlu. Kutsha ukubhaliswa kwala maxwebhu lwenzeka ukuze ngokusemthethweni ukuba zidityanisiwe, oko kukuthi ngaxeshanye ezidluliselwa iziqinisekiso ezimbini.

UMondli Iimpawu Document

Ngaphandle kwe izibhengezo kunye neengxelo, nawo onke amanye amaphepha ezingenisiweyo ziya kubonelelwa nokuba kweyoqobo okanye ube neekopi eziqinisekisiweyo ngokusemthethweni. Akuyomfuneko ukuba basebenzise iinkonzo izivumelwano. umntu ngamnye kufuneka aqinisekise ikopi ngokwayo. Ukuze wenze oku, original ngamnye kufuneka asayine ngokobuqu-sicelo, kufuneka ube ukubhala ibinzana elithi "ikopi yokwenene".

Ngokuqhelekileyo wawusebenza amaxwebhu ezisisiseko, kodwa kuxhomekeke kummandla kunye nemeko ethile abaqeshwa benkonzo serhafu kungafuna ubungqina ngakumbi. Uyacetyiswa ukuba uthabathe nawe xa singena entlanganweni yonke enokuthanani ilifa lokwenene ezifunyenwe ukuze kuphunyezwe ngempumelelo imali yerhafu egqithisileyo.

Imigaqo kunye nempahla irhafu yengeniso xa uthenga

1. Phambi kokuba uthumele amaxwebhu kufuneka ugcwalise ingxelo ekhethekileyo. Kuyimfuneko ukuba benze ngenyameko enkulu, njengoko na engachananga kwi ulwazi olunikiweyo inokuba isizathu sokwala imbuyekezo yerhafu yengeniso.
2. Emva kokungeniswa onke amaxwebhu afunekayo zithunyelwa abasebenzi benkonzo yerhafu. Imali yerhafu xa uthenga amagama real estate ichazwe elikhulu kunene, ekubeni irhafu liya kwenza isigqibo sokuba isixa esithile semali kwisithuba seenyanga ezintathu ukususela kumhla lokufumana amaxwebhu.
3. Ngamanye amaxesha, abasebenzi lokukuvelela irhafu ukuba umntu ukucacisa naziphi na iinkcukacha, kodwa kuyenzeka kunqabile kakhulu. Xa wenziwe ukuthenga indawo yokuhlala, imali yerhafu yengeniso awukwazi eziveliswa uhlolo yerhafu, ukuba naziphi na iimpepha okanye iimeko ayiyithobeli imithetho.
4. Ukuba isicelo samkelwe, emva kokuphela yesicelo ebalwa kwisixa semali kukhutshelwa abasebenzi irhafu kwi-akhawunti yebhanki echaziweyo kwi sicelo. Unelungelo lokusebenzisa le mali kuyo nayiphi na injongo njengoko bafudukela impahla yakhe.

zokubuyiswa kwerhafu yengeniso ngumqeshi

Umntu othe fumene ipropati, unelungelo lokucela ukuxhuzulwa irhafu evela kumqeshi wakho, oko kukuthi, ukususela umbutho, nto leyo esemthethweni umsebenzi. Iintlawulo amkelwe ngokohlobo non-kwintlawulo yerhafu yengeniso, oko kukuthi, lo mntu uza kufumana umvuzo ngokupheleleyo. Le amandla inikwa nje ukuba benze wonke mali ukuthembela umntu.

Ukuze wenze isicelo kule fomu, ebonelela ukubuyiselwa irhafu xa uthenga impahla, kufuneka uqhagamshelane ne-ofisi yerhafu ukufumana isiqinisekiso esingqina umntu unelungelo lokufumana ulwazi benefits. Ukwenza oku, kufuneka ungenise iphakheji esisiseko yamaxwebhu, ke, musa kufuneka athathe i-3-NGOBUCHULE isibhengezo ze-2-emhadini.

Package yamaxwebhu thaca kumqeshi

Ukuba abasebenzi benkonzo yerhafu evunyiweyo yeSebe isicelo, isiqinisekiso esikhutshwe yi umqeshi kufuneka. Kunye nesiqinisekiso Kuyimfuneko ukubonelela uluhlu eyongezelelweyo amaxwebhu:

1. Isiqinisekiso sobhaliso amalungelo obunini yokuthenga izindlu ezithengiswayo.
2. Isivumelwano, nto leyo ebonisa ukuba utshintsho kwempahla izindlu ezithengiswayo umntu.
3. Naluphi na uxwebhu engqina ukukhutshelwa kwemali lomthengisi.

Kwidilesi ye umqeshi kufuneka angenise isicelo, nto leyo ibonisa isicelo imbuyiselo irhafu xa uthenga impahla abafumene umvuzo ngokupheleleyo, nto leyo zitsalwe-mali kwi-ofisi yerhafu. Le ngxelo kufuneka sigcwaliswe ungadlulanga kwisithuba konyaka omnye ukususela kumhla kwisigqibo esemthethweni kwimvumelwano elawula ugqithiselo kobunini.

Ukuze enze imali yerhafu xa ukuthenga ipropati, kufuneka uqhagamshelane ne-ofisi irhafu yaye angenise isicelo, kunye nezinye impahla kwamaxwebhu. Ukuba isivumelwano eso ebunjiweyo ngokufanelekileyo, omnye liqinisekisiwe ukufumana intlawulo yemali etyalwa kuye ngumthetho.