Njani na intlawulo ye-mboleko ngurhulumente?

iimeko Engalindelekanga kunokuba ukuba wonke. bavame anxulunyaniswa ukuhla kwengeniso, ochaphazela iinkalo ezininzi zobomi bomntu. Ukuba kukho ukuzibophelela ngetyala, ezifana nezivumelwano zokubambisa, kufuneka ugcine kakhulu. Kufuneka kwakhona sijonge iindlela kwemali mboleko. Ngoku mhlawumbi ukuhlawula imali-mboleko kwi ngeendleko zikarhulumente, ukuba ukuncipha kwengeniso ngenxa yezizathu njongo. Oku kukuvumela ukuba agcine indlu, bathenga ngetyala. Malunga inkqubo imithetho iza kuxutyushwa kweli nqaku.

elibusayo

UNorma ibhaliswe umthetho karhulumente №373, leyo isebenza ukusuka 07.23.2015. Kamva kweli xwebhu sele ufakelwe izilungiso, yaye edishini entsha esemthethweni asuka 07.12.2015. Yena wangena kamongameli ummiselo # 1331. zonke iziphene, abathe bona baba ngaphambili, lo mthetho uqulunqwayo ziye zaqwalaselwa uhlelo lokugqibela.

inkqubo lokukhulula mortgage ngurhulumente iquka:

• ukunciphisa ityala 600 lamawaka engange .;
• ukuguquka imali-mboleko, ekhutshwe yamanye amazwe, ngokusekelwe kwi-Central Bank of the Russian Federation;
• ukuhla kweentlawulo rhoqo ukuya kwiinyanga ezili-18.

imbuyekezo

Qiniseka ukuba bakuthathele ingqalelo imeko mboleki, phambi kokuba ukhethe indlela ukuhlawula ityala. Ngamanye amaxesha ekhethiweyo intlawulo-10 no-20% lwenqununu. Ekuqaleni Kujongwe ukuncitshiswa ityala nge-10%. Ukusuka 12.12.2016 babuyekezwe-20%.

Umzekelo, umthengi abe ikhredithi ngenxa engange 5 million. Kwezi, yena wahlawula 3 million. Kubonakala ukuba intsalela ngu-2 mln, apho ezingama-20% (400 amawaka. Engange) ziya kuhlawulwa karhulumente.

Bhala-off ukuya ku-600 lamawaka. Engange

Mhlawumbi imbuyiselo kwenxenye ye-mboleko ngurhulumente. 600 lamawaka engange na inani lemali ihlawulwa ngurhulumente lwetyala. Kulo mzekelo, ixabiso real estate kufuneka ibe ngaphezulu kwezigidi-8 engange, njengoko intlawulo yokuqala ye-20% yeendleko efunekayo ngexesha lokubhaliswa mboleko.

umcimbi happy

Ukuya ukuhlawula imali-mboleko kwi ngeendleko zikarhulumente ekuzalweni. Emva kokuba imbonakalo umntwana wokuqala azalwe kwaye yesibini angafumana imbuyekezo ye-18 square metres. metres. Lonke mortgage ihlawulwe kwi kokuzalwa komntwana wakhe wesithathu.

Njani na intlawulo ye-mboleko ngurhulumente? Ukuze ufumane ukupheliswa kwamatyala kunye nokuzalwa komntwana kufuneka atyelele Pension Fund. Le umzimba umkhenkce

• Isiqinisekiso capital yabakhulelweyo;
• izatifikethi zokuzalwa zabantwana;
• uxwebhu lomtshato;
• nezivumelwano zokubambisa;
• ubungqina bobumnini;
• isiqinisekiso ukulingana ematyaleni.

Kufuneka wenze iikopi zamaxwebhu, kodwa original kusafuneka uthabathe nawe. Emva kokuqinisekiswa mali efunyenwe kuhlawulwe amatyala kunye mortgage ivale. Loo ithuba enikwa iintsapho imvumelwano phantsi nkqubo karhulumente. Ukuba sifunyenwe olunye uhlobo mboleko, kuyimfuneko ukuba ukuphinda-ubhalise ukufumana iinzuzo ezinjalo.

Ukwehla yengeniso

Okuyalela ukuhlawula imali-mboleko ngurhulumente ngenxa yokuhla kwengeniso, kufuneka uqinisekise kukwehla kwinqanaba kobutyebi eziphathekayo. Oku ibe yidrophu imivuzo alikho ngaphantsi kwama-30%. Obolekayo kufuneka isicelo ngokutsha iinyanga ezi-3 emva kokuba ukuncitshiswa yengeniso.

Kukho esinye isizathu sokuba Unokuyihlawula uyigqibe imali-mboleko ngeendleko zikarhulumente. Le mboleko imali yelinye ilizwe. inkxaso State inikezelwa, ukuba utshintsho izinga lotshintshiselwano emva kokuba intlawulo linyuke nge-30% ngaphandle ekwandiseni ingeniso. ekunciphiseni iindleko kukhula lomvuzo.

nxaxheba

Ngubani na silindele ukuba ahlawule elo mboleko ngeendleko karhulumente? 2016, ezifana 2015, ukuba akhuphe yoncedo kwezi ndidi zilandelayo:

• intsapho abancinane umntwana ongaphantsi 18;
• intsapho enabantwana 2;
• usapho, apho umntwana okanye abazali abakhubazekileyo;
• KUWE ukuya kwiminyaka-24, ngubani na ingeniso ezisemthethweni;
• izisebenzi;
• abasebenzi bokwakha lweshishini ;
• amalungu iinkqubo zikarhulumente;
• abasebenzi ezintsha isigaba;
• bafo zangaphambili;
• abasebenzi RAS amaziko esayensi izazinzulu of the Academy.

Kuphela yezi ndidi kuyimfuneko ukuba isicelo inxaxheba kule program.

ukuba iimfuno real estate

Kukho iimfuno ezininzi ukunceda ahlawule elo mortgage ikhutshwa ngurhulumente. 2017, ezifana 2016, kwakungekho ngaphandle kubaxhamli. Izibonelelo zibonelelwa isekelwe phezu kwale miqathango ilandelayo:

• mhlaba zezindlu kuphela, okanye kungekho ngaphezulu kwama-50% kwisibonda kwenye into;
• iindleko 1 macala onke. . M kufuneka ibe ngaphantsi kwe-60% yexabiso avareji ipropati;
• Kubalulekile zomthetho ubunyulu into.

Izindlu kufuneka ihlangabezane neemfuno ndawo. Ukuba umboleki uhlala apho yedwa, into akufuneki ukuba square metres ngaphezu kwama-50. m. for umda 2 ngu-35 leemitha ngalinye. yonke indawo akukho kweemitha ezingama-70. Ukuba kubaqeshi ezintathu, ibango ukuya into - ukuya ku-100 square metres. m.

inqanaba neemfuno yengeniso

Mfuneko nje kuphela kwipropati, kodwa kwingeniso mboleki. Ngowe-2017 kwafika ukusebenza ezintsha. Le lomxhasi ukufumana iinzuzo ukuba kunciphisa ingeniso lobuqu okanye usapho. I maxongo yobume bemali ibonisa okusaleleyo emva kokuhlawula intlawulo. Ukuba ngaphantsi kwe amaxesha 2 ubuncinane sokutya, Nobolekayo unelungelo lokukhupha mortgage intlawulo nguRhulumente.

E Moscow, iindleko zokuphila silingana:

• 17 000 engange - abantu abadala zokusebenza;
• 13 000 - abantwana;
• 11 000 - ukuba abadla umhlala phantsi.

Umboleki ofuna azuze inkxaso, kufuneka ukuba ubume ongenamali yi umyalelo wenkundla. Unako ukuthatha inxaxheba kule program phambi mboleko target. Xa oku kulibaziseka kufuneka sibe uluhlu 30 - iintsuku 120.

Date of contract

Ngokutsho inguqulelo yokuqala uxwebhu №373 amalungiselelo intlawulo yetyala phezu mortgage ngurhulumente babethenga abafanelekileyo abenza isicelo mboleko ukuya ku-2015. Isigqibo elilandelayo nto malunga oku azicaciswanga. Kuphela echazwe ixesha lokubhaliswa yesivumelwano phambi kokuba ufune uncedo. Kufuneka ube ngonyaka ubuncinane 1.

Inkqubo e Sberbank

Ezi nkonzo zifumaneka kuzo zonke iibhanki. Abaninzi mortgage kungathi Sberbank, ngenxa yokuba iimeko apho zivuma. Ukuze ufumane imbuyekezo, kuqinisekiswa inkqubo karhulumente, yenze la manyathelo alandelayo:

• Savings angene;
• adibane abe malunga nokwenzeka ubuchule bokulungelelanisa, kwakunye ukuthatha isampulu kokubhalwa kwesicelo;
• ukubhala isicelo kuqokelela amaxwebhu;
• ukufumana uncedo;
• ukudlulisela amaxwebhu ebhankini.

Emva koku ke kufuneka ukuba izisombululo AHML. Xa ngaba isiphumo HIV, koko zisiwe kwingxelo indlela apho kwanciphisa umsebenzi ityala. Umxhasi kufuneka atyikitye isivumelwano kunye ebhankini, esicacisa izinto ngokoMthetho yingisela. Ke ilungisa mortgage, kuliwa kunye Rosreestra kunye yebhanki.

amaxwebhu afunekayo

Umboleki kufuneka bangenise la maxwebhu alandelayo:

• ipaspoti;
• ukuqinisekisa ilungelo lokuthatha inxaxheba kule nkqubo: kwinkcazo yemali;
• ikopi yerekhodi yengqesho, ingqinisiswe izivumelwano;
• isiqinisekiso somtshato okanye ukudilizwa yayo;
• Isiqinisekiso sokuzalwa somntwana;
• impahla Paper
• isivumelwano ukwakha joint;
• sisicatshulwa esithathwe kwiRejista State emanyeneyo.

Uluhlu kwephepha lisenokuthi litshintshwe. Ukongeza, amaxwebhu ukuze efunekayo abakhubazekileyo okanye abantwana zabathengi inxaxheba kwemfazwe. Kuba ukubulawa kwezinye iimeko emiselweyo kwimvumelwano, obolekayo unoxanduva ngokuzimeleyo. Ezi ziquka i-inshorensi yobomi kunye ezithengiswayo.

iinkqubo federal

Ukususela ngo-2011, abemi Russian angangena inkqubo evumela ukuba ngokutsha eli tyala. Isebenza iintsapho abaselula. On lunciphisa njengamatyala emali.

Amaqela kufuneka ihlangane iimeko ezininzi:

• iminyaka - engama-35;
• umntu hayi ngaphezulu kwe-15 square metres. iimitha kwezindlu;
• ukufumaneka kwemali sokwanelisa izibophelelo na phantsi kwe-mboleko;
• ubungqina bokuthatha inxaxheba kubonelelo kwepropati ukuba ingqesho yoluntu.

Imbuyekezo iya kuba luncedo olukhulu kwintsapho. Nangona ezinye mali ziya kuba encinane, banikwe iindleko kwezindlu, kodwa yona ikuvumela ukuba wonge imali eninzi. Ngoko ke, ngokungqinelana nazo zonke iimfuno ngokuqinisekileyo kufuneka bathathe inxaxheba kwinkqubo enjalo, ukwala uncedo olunjalo asibobulumko kakhulu.

bokuqonda

Kakade ke, ukwenza ngaphandle imigibe kulo mba:

• nababolekisi akanakuhlawulisa abaxhasi imali yenkqubo yokwakhiwa ngokutsha;
• nkqu inkqubo umxhamli kufuneka ukuba enze iintlawulo, yaye oko ayisuse izohlwayo;
• umbolekisi thethelela zezohlwayo ngokupheleleyo okanye ngokuyinxenye, ukuba oko kungenxa emandundu imeko yemali client;
• ngumxhasi ihlala inoxanduva lokunika inshorensi impahla, impilo, njengoko kucacisiwe kwi isivumelwano sokubambisa ngayo;
• sesicelo sohlengahlengiso kwiikota evunywe yi kwiziko ngetyala;
• inkxaso ayikho elinikwe umboleki, ziya kugqithiselwa ebhankini, ke ngoko kunqandwa inkunkuma ezinye iinjongo;
• ukuba emva kokufumana mortgage kusekho 1 umntwana, inika uncedo ukuya kwi-5% yemali;
• nesiqinisekiso inxaxheba ikhutshwa kule nkqubo;
• Nokuthathelwa indawo uya kukhutshwa nje kuphela i-Savings Bank, kodwa nakwezinye iibhanki kweli lizwe;
• ukusetyenziswa ingasetyenziswa ixesha 1 kuphela.

Ukubuyisela kweqela imeko mortgage iya kuba luncedo olukhulu kubaboleki. Kuyimfuneko ukuba athathe amaxwebhu ayimfuneko kwaye balindele isigqibo. Pre-specialist kufuneka kuboniswane nabo malunga amathuba okuthatha inxaxheba kule program. Maxa wambi ezinye bokuqonda enokuchaphazela nesigqibo myalelo, ngoko ke kubalulekile ukuba uqinisekise ukuba ukuhlangabezana nazo zonke iimfuno inxaxheba kule program. Yiba nomonde encinane, yaye uqinisekile ukuba ukufikelela usukelo! Urhulumente ukhathalela malunga abemi balo kwaye yenza intuthuzelo okusemandleni!