Imbopheleleko eyinkunzi umzali. Nokuthathelwa phantsi inkxaso kukarhulumente

Namhlanje, abazali abaninzi umbuzo babhidekile: "Yintoni na imbopheleleko eyinkunzi umzali linaloo umboleki?" Le kunye nenye ingcaciso eluncedo zifumaneka kweli nqaku.

mboleko Capital

Ukuboleka elunxwemeni phantsi kapitalla koomama kunokwenzeka, kodwa kuphela ukuba kuthengwe, ukwakhiwa okanye ukwakhiwa kwezindlu. Ngokutsho kwe-FZ 256, awukwazi ukuyisebenzisa inkxaso-mali karhulumente ukuze bafumane imali abathengi. Umboleki kuthathwa ukuba mboleko yokuthenga ifanitshala, izixhobo zombane zasekhaya, okuhamba kunye mboleko zemoto.

Yeyiphi kukho isinyanzeliso eyinkunzi umzali?

Ukuba ufuna imali ixesha elide ngoncedo-mali karhulumente, kufuneka ukuba ibhanki isiqinisekiso kunye nesiqinisekiso (ezikhutshwe yi Pension Fund) malunga ubukho okanye intsalela eyinkunzi umzali. Iziko zemali liqwalasela isicelo-mboleko / mboleko evela kwiintsuku zokusebenza-2 ukuya ku-7. Indawo kufuneka kwenziwe ngaphandle kwipropati, kunye nabazali kunye nabantwana. Ukuba le meko ayifikelelwanga (akukho ubhaliso kule ndlu / indlu yonke intsapho, ukuba umntu omnye kuphela), ngoko kufika uxanduva ngokungqinelana nemithetho Russian Federation. Kuya kufuneka ukuba kutyelela izivumelwano kwaye bazibophelele esibhaliweyo capital koomama.

Kuphantsi kwaziphi iimeko apho ikhutshwa mortgage capital koomama?

- Isixa kokuqala igalelo unako ukufikelela-10% yeendleko zizonke kwezindlu.

- ixesha mboleko Ubuninzi nga engu-30.

- Guarantors ekungalindelekanga.

- Izinga lenzala, ukuba ulandela imigaqo-inshorensi, ukususela 9.5% ukuya kwi-12% ngonyaka. Ukuba ugqiba ekubeni wenze ngaphandle inshorensi, lo gama i-10% kwi-12%. Kodwa ipesenti yokugqibela iya kuxhomekeka kwiimeko ngamnye.

- Into engundoqo - ukubhala notarize isibophelelo eyinkunzi umzali.

Inkqubo yokubala imali

Ngenxa yokuba ubuchule zabathengi ukuhlawula abasebenzi yeziko mali ibalwa baya kuba nako ukunika ibhanki yimalini na mortgage yokubolekisa. Kwemali eyinkunzi kubeleka swi intlawulo lokuqala okanye ukuhlawula imali-mboleko, kunye nesicelo kufuneka unikeze isiqinisekiso kwi-Savings Bank.

I-credit on eyinkunzi ngosana kwi Savings Bank, ejoliswe ekwakhiweni kwezindlu

Bank unika ithuba ukuqala ukwakha ezintsha okanye ukuthenga indlu kwindlu elisanda kwakhiwa sele usebenzisa inkxaso karhulumente. Ngaphezu koko, imali ngosana zingasetyenziswa njenge intlawulo phantsi, ayithumele intlawulo chu yonke loo mali.

ugqithiso lwemali

Emva kweenyanga ezintandathu ukususela kumhla ubhaliso kunye nokuvunywa isicelo-mboleko, kufuneka ubhale isicelo kwi Pension Fund ukutshintshwa kwemali eyinkunzi koomama kwi-akhawunti yebhanki. I qaphela ukuba ezi meko isebenza lonke kummandla Russia.

Nokuthathelwa phantsi capital ngosana - ongenakunceda nto?

Xa kuthelekiswa ne-mboleko mboleko aqhelekileyo phantsi karhulumente inkxaso inzuzo. Akukhathaliseki, ukwakha okanye ukuthenga uya kuba izindlu. credit elula for capital kubeleka kwi Savings Bank ukuze akuyomfuneko ukufumana imali intlawulo phantsi - unaso isiqinisekiso. Kunokwenzeka kunye nolu khetho lulandelayo: inxalenye yokuqala ekunene capital umzali igalelo yokuqala enkulu, kwaye eyesibini - ngentlawulo umdla. Kodwa iluvumile ufakelo ukhetho oku akusoloko, yonke into ixhomekeke ukukwazi ukuhlawula.