Njani kwi kuluhlu lwabalindileyo zokuphuculwa lwezindlu, apho ukuya

ingxaki Housing ebesoloko kwavele abemi belizwe lethu. Ukwenza ezintsha, abantwana kuzelwe umntu ehlabathini. Wonke umntu ofuna ukuhlala intuthuzelo coziness. Umthetho wethu ivumela ukufumana kuluhlu lwabalindileyo zokuphucula lwezindlu. Kakade ke, kukho izinto ezilula kangaka. Umnqweno Enye indoda ukuba ukwandisa indawo yabo yokuhlala ngokwaneleyo.

Ngubani na onokuma efolisiweyo yophuculo yezindlu

Inani labantu abasebenzisa urhulumente angakwazi ukucombulula iingxaki zawo endlini, hayi mkhulu kangaka. Emva kokuba ulwamkelo lwezilungiso kwi-Code yeZindlu, ukuba uthathe ithuba inkxaso kuphela ezo iintsapho uchaze na amahlwempu.

Le ubume emva kokungeniswa amaxwebhu ayimfuneko unikwe lolawulo lweengingqi okanye Ofisi Protection lweNtlalo.

Enye iingongoma, kufuneka lungqinelane zabemi - imfuneko yokuhlala. Umfaki-sicelo kufuneka ahlale endaweni enye iminyaka elishumi. Kule minyaka emihlanu ufanele ngabom ukudala indawo asihambelani kakuhle ophilileyo.

Ngoko ke, uncedo ukulindela ukuba urhulumente:

• kubemi abahlala ezindlini babucala kunye nabanini indawo non-zokuhlala;
• abaqeshi okanye abanikazi okubonakalayo kabani umntu ngamnye ingaphantsi kwe nesithethe jikelele;
• Abemi zabo yokuhlala kwindawo zokuhlala akunakwenzeka ngenxa ukungafani iimfuno lwezindlu;
• Iintsapho ezihlala kwigumbi elinye, phakathi apho akukho ngegazi.

ingqalelo kakhulu urhulumente uhlawula iintsapho ezinkulu. Ukuphuculwa iimeko zokuphila kolu didi kunokwenzeka kokubini kumazinga yase kanye basekuhlaleni.

Emgqeni zokuphucula izindlu ezifana kwakhiwa?

Phakathi ngabaviwa kukho udidi preferential wabemi abanelungelo kwindawo yokuqala ukufumana uncedo oluvela kurhulumente. Kuqala kwinto zonke, ukuphucula imeko yabo izindlu ziya kuba nako uku:

• kuba engenambewu, wamshiya ngaphandle uncedo lwabazali;
• intandane;
• abaqeshi Emergency owaziwa indawo ka kuyo;
• usapho, nto leyo ubunjwe abantu sifo, apho ufuna kwigumbi elahlukileyo;
• Second amagqala War World.

Iindlela zokusombulula iingxaki yezindlu koncedo lukarhulumente

Ukusombulula ingxaki yezindlu ngeendlela ezimbini: kwi ihlawulwe kwaye simahla. Nemeko yokuqala ithetha yokuthenga indawo yokuhlala kwigumbi kwi inkqubo lancitshiswa okanye ukusebenzisa isiqinisekiso yezezindlu. Oku kuquka:

• mortgage kwezentlalo;
• ukuthengwa kwezindlu phantsi kwenkqubo yokuhlawula ngezavenge;
• ukufunwa impahla, kokubini imali kwaye ngetyala, ngenkxaso-mali evela mali karhulumente;
• ukubonelela igumbi isivumelwano sengqesho kwi imeko yokungena inkqubo yokuqokelela;
• athenge indlu isiqinisekiso yezezindlu.

Inkxaso kwezentlalo iintsapho kunye nabantwana abaninzi angamelwa njenge sibhalele-off of phantse 1/3 yeendleko izindlu ekufunyanweni stock indlu izindlu yesixeko.

Xa indlela yesibini abemi bafumane izindlu simahla ukusetyenziswa, kodwa uhlala ubunini kamasipala.

Yintoni na ibango

Phantsi isivumelwano ilungelo lokusebenzisa lwezindlu zikamasipala intsapho ngenxa izindlu ezifanelekileyo engafanelekanga ezibonelelwa yi ubukho kwizakhiwo, lo mthetho izindlu ezifanelekileyo. Oko nanjengokwesimo kwi yabantu isithuba ophilileyo kufuneka sq.m. hayi ngaphantsi kwe 18 Ngoko ke, indoda nomfazi uyakwazi ukubala kwi ariya encinane tyaba esingadlulanga 44 yezikwere, ezinomzali usapho lwabantu ababini - kule kwindlu enamagumbi amabini kunye indawo yezilimo sq.m. 50, isibini esitshatileyo nomntwana bangafaneleka ukuba bafumane sasihlala-lokulala ngaphantsi kwe 62 square metres .m.

Ukuba elinye ilungu usapho esinganyangekiyo, yinxalenye yoluhlu federal kwezifo ekubaleni yemigangatho izindlu ziya kuthathela ingqalelo into yokuba isigulane lixhomekeke igumbi ekwanti elahlukileyo apha endlini.

Ukuba esezantsi anengeniso sicelo umnini wayo nayiphi na ipropati, unelungelo lokufumana inkxaso-mali karhulumente ukuze kuthengwe kwezindlu. Kulo mzekelo, kufuneka zihambelane neemfuno umthetho wezindlu: ukuba ungabi ngaphantsi kwe bathembele onke amalungu entsapho indawo square. metres.

Inkxaso kwezentlalo iintsapho kunye nabantwana abaninzi - yiyo imbopheleleko kwimimandla ngamnye. Ngoko ke, indlela umasipala ukulungele ukunceda yaye yintoni uncedo nga ibango iqela kakhulu ungakhuselekanga oluntu, kuyimfuneko ukuba ucacise kwi ulawulo izindlu kunye umbutho nokhuseleko loluntu kwindawo lobhaliso.

apho ukuya

Abemi abanqwenela ukusombulula imiba yabo yokuhlala, kuqala kufuneka ufumane ukuqondwa ukuba eneneni abafuna uncedo lukarhulumente. Ukuze wenze oku, qhagamshelana isebe yezindlu wolawulo emzini wakhe. Kwakhona ukufumana kuluhlu lwabalindileyo yophuculo lwezindlu inokuba emsebenzini. Kulo mzekelo, kunokwenzeka ukuba babhaliswe kwiindawo ezimbini ngaxeshanye.

Ukuba ungummi iqatshelwa ngokusesikweni njengoko engenakukwazi, nokungeniswa kwamaxwebhu ingathatha ummeli wakhe osemthethweni. Kuyo nayiphi na imeko, amaxwebhu kufuneka siqulathe original kunye neekopi kwawo onke amaphepha.

Ngawaphi amaxwebhu, iziqinisekiso kunye namaxwebhu ayimfuneko okubonelela

Ukuze ufumane kuluhlu lwabalindileyo zokuphucula lwezindlu kuyimfuneko ukubhala isicelo efanelekileyo aze anikezele onke amaxwebhu ayimfuneko kwibhunga yesithili. Esi sicelo kufuneka sityikitywe ngabo bonke amalungu anomdla entsapho.

Ukuze uqinisekise imfuneko ukunika ilungelo ukuphucula iimeko zabo zokuphila:

• ipaspoti;
• i data ze akhawunti yemali;
• isicwangciso Technical kule ndlu BTI;
• isiqinisekiso zesakhiwo usapho;
• Isiqinisekiso BTI kubukho okanye ukungabikho ubunini yokuhlala;
• isiqinisekiso kwiziko lonyango (ukuba kuyimfuneko).

Njani na ubhaliso kunye

Emva kokuba ingxelo le sicelo iya kurekhodwa kulindixesha amaxwebhu engenayo, oko kuya kwenziwa uphando neemeko zokuphila. Ngokubhekiselele iziphumo zayo zenza lo mthetho, ngokuvumelana isicelo samkelwe ukuze ziqwalaselwe ikhomishini lwezindlu zoluntu. Kuthatha isigqibo lokuqala lokufumanisa ukwamkeleka okanye ukubhalisa. Isigqibo sokugqibela senziwa yintloko kwibhunga lesithili. Impendulo inikwa sicelo ingaphelanga inyanga enye ukususela kumhla wokufakwa kwesicelo ngencwadi ebhaliweyo. Kwimeko isigqibo esifanelekileyo got ishishini accounting, yaye lo mntu unikwa inombolo efolisiweyo. Kwimeko sokwala - ichaza izizathu akakwazi okwenziwa kwizigaba kwi kukuphuculwa kweemeko zokuphila.

Kubalulekile ukuphawula ukuba amagosa khangela ngenyameko yonke idatha enikwe ngu-sicelo uncedo oluvela kurhulumente. Ukuba umsebenzi lwezindlu ibonisa ukuba ummi usenalo yezindlu esithobelana umthetho, nokuba zibekwe kummandla ezahlukeneyo, ithuba ukufumana izindlu ngu zero.

Kufuneka wenze ntoni emva kokuba kuthathelwe ingqalelo imfuneko yezindlu ezintsha?

Emva kokuba sicelo uya kufumana isaziso yokwamkela intswelo yayo, yena uya kuba unyaka omnye ukwenza ukhetho esixhasa enye iinkqubo ezikhoyo zezindlu kwaye uthumele isicelo. Ukuba ungummi akanayo ixesha lokwenza oko ngexesha elililo, ukuba ukuqatshelwa ngeteyiphu intswelo yakhe ukuba irhoxiswe.

Kwimeko nokungeniswa onke amaxwebhu afunekayo kunye nokubhaliswa inkqubo ekhethiweyo yi amagunya karhulumente wihi ingqalelo imfuneko ukuphucula iimeko izindlu ziya umda ukunyaniseka kwalo inkqubo yezindlu iqhubeke.

Ngokufutshane malunga onke amathuba ukuphucula iimeko zokuhlala. Yintoni ukukhetha?

mortgage Social i ukuthenga ekhaya ngexabiso eliphantsi ngeendleko kwemali ngetyala. Kulo mzekelo, ixabiso layo liya kuba amaxesha 3-5 ngaphantsi emarikeni.

Abemi abadinga iimeko ezingcono izindlu, kufuneka bafake isicelo ukuba uwafake kwizintlu yezindlu kulawulo mzi. Awu, asizizo zonke iibhanki bazimisele ukukhupha mortgage lwentlalo. Uluhlu inxaxheba kule nkqubo karhulumente egcina imali kwi kwindawo HMLA. Kwakhona kubalulekile nikhumbula ukuba ibhanki nganye ineemfuno zayo mboleki. Ezichaphazela ngayo uhlanga, indawo yokuhlala, imbali zengqesho, i-inshorensi impahla, eli ligatya ngummeli wowona mboleko.

Amathuba uthenge indlu isatifikethi lwezindlu luthetha ngentlawulo ngurhulumente we inxalenye yeendleko kwezindlu. Le mali iya kuxhomekeka kwinani labantu entsatsheni square eqhelekileyo. meters kwezindlu, anelungelo. Kwakhona, le mali yabiwe ukuze kwakhiwe indlu yangasese.

Abemi abadinga iimeko ezingcono izindlu, laqalisa kwirekhodi phambi Matshi 1, 2005, bafanelekile ukuba nokufunyanwa nepropati ngezavenge.

Kuba ngokubonelela abemi izindlu phantsi kokuqeshiselwa kufuneka uqale inkqubo yokonga kunye ukugqiba isivumelwano ngokuqesha indlu. Phantsi kwesi sivumelwano, intsapho iya kunikwa igumbi ukusetyenziswa kwiminyaka ukuya ku-5. Ngexesha le minyaka, abathabathi-nxaxheba kwinkqubo ahlawule umrhumo wenyanga yerenti kunye nokugcinwa kweendawo intlawulo kwinkqubo inkxaso.

Emva kokuphela kwesivumelwano iinkqubo iqela kufuneka ukuthenga izindlu zabo kuzo zonke iziphaluka lizwe kunye nokusetyenziswa mali elinikwe ukusuka kurhulumente wenza imali kwinkqubo ukuqokelelwa, ukuba kuyimfuneko, kuthathwa ngetyala.