Property wokutsalwa kwerhafu indlu. Indlu e mortgages: ukuxhuzulwa irhafu

Wayethembele xa kuthengwe wokutsalwa kwerhafu ukuba indlu. It iqulathe iindawo eziliqela, kodwa usoloko ekhona kwaye isixa esikhulu. Ukuze kujongwane ngokufanelekileyo kulo mba, kuyimfuneko ukuhlola iimpawu zayo.

Yintoni na ixhuzulwe irhafu?

Kukho amacandelo amathathu, apho ukuxhuzulwa irhafu kuba indlu lakhiwa:

1. Kuba zokwakha entsha okanye ukuthengwa esakhiweni wayigqiba le Russian Federation okanye isabelo ezithile zomhlaba.
2. Ukubuya kwenzala kwimali-mboleko athathwe, eziye zathathwa kule mibutho ukusebenza kwi Russian Federation, okanye oosomashishini zabucala.
3. Ukunciphisa le inzala kwimali-mboleko, nto leyo ithathwa ezibhankini, xa imali nenxaxheba ekwakhiweni okanye ukuthenga ngokomlinganiselo lwezindlu ogqityiweyo.

Isixa-mali ixhuzulwe irhafu

Le wokutsalwa kwerhafu indlu kwi mali iphezulu ungafumana xa uthenga indlu ezixabisa izigidi ezi-2 engange. Ukuba imali iyonke yentengo abangaphezu, ukutsalwa yerhafu nangoku ibalwa engange zigidi ezi-2. Isixa inkulu ukutsalwa elinokusetyenziswa njengeziko bafumana indawo eyodwa, kunye neqela labo.

ukuba bathenge Xa mboleko yabo yezindlu baya kubanjwa, wokutsalwa kwerhafu indlu ebalwa kwisixa esili-3.000.000 engange. Esi sixa-mali bachitha ukuhlawula iindleko ezinxulumene nokufunyanwa zokuhlala, nangenxa kwintlawulo mboleko. Uthintelo kutsalwe irhafu isebenza mboleko eziye zathathwa emva-1 Januwari 2014.

Ukuba umntu werhafu, lizifumane zonke iintlawulo azikho ngokupheleleyo, intsalela yemali unako ukufumana phezu kokuvela nganye kwexesha serhafu elandelayo.

Iindleko kubalo ukutsalwa kwerhafu

Xa ukwakhiwa entsha yenziwa okanye lufundiwe impahla endlwini igqityiwe, iindleko ezinjalo zigqitywa:

1. Ukuyila amaxwebhu apho iiprojekthi ziphunyezwa kunye zibalwa iingqikelelo.
2. Ukufunyanwa ngezinto ezahlukeneyo ukulungiselela ukwakhiwa kwezakhiwo kunye nezinye izakhiwo.
3. Ukufumana yezakhiwo, kuthathelwa ingqalelo iimeko apho sathenga izindlu engagqitywanga.
4. Ukwenziwa zokwakha kunye kugqityiwe izinto zokwakha.
5. Umbutho line zonxibelelwano ezipheleleyo, kuquka Ukubonelela umbane, amanzi kunye negesi.

Ukubalwa kutsalwe irhafu xa uthenga i yokuhlala

Isixa inzuzo yerhafu ibandakanya ezinjalo amacandelo:

1. Ukufunyanwa yokuhlala.
2. Ukuthenga amalungelo ukuba ipropati ethile kwindlu ethe akukagqitywa.
3. Ku khongela zonke izinto eziyimfuneko ukuze kwakhiwe.
4. umsebenzi Xa begqiba eya kuquka on-site efumaneke kuphela lwezindlu. Kwakhona kulo mhlathi iquka amaxwebhu yoyilo, nto leyo ebonisa uqikelelo ukwenzela uluhlu lonke umsebenzi owongezelelweyo ezinxulumene ukugqitywa kunye kugqityiwe ndawo.

Ukwenzela ukuba bakuthathele ingqalelo loo mali ixhuzulwe irhafu, nto leyo eza ekupheleni kwesakhiwo ezibheke igumbi, kuyimfuneko ukuba ucacise kule mvumelwano ukwenzela ukuthenga ipropati, indlu asikawugqibi. Ezinye iindleko ukuba engafakwanga kuluhlu, ekulungiseleleni ukutsalwa kwerhafu Akukhathaliseki. Ukuba ufuna ezinjenge imveliso, ukufunyanwa kwefanitshala nezixhobo ucoceko, ukulungiselela yonke imicimbi kuyimfuneko, ngoko bonke abemi banyanzelekile ukuba athengise imali lobuqu. Xa uthenga i yokuhlala umhlala lwenziwa, ukutsalwa kwerhafu sibalwa ngokuzenzekelayo kuphela xa umsebenzi wakhe esebenzayo engqesho esesikweni.

Utsalo irhafu lisusiwe kwezinye iimeko

Amatyala apho kutsalwe imali yerhafu ukuba zithathelwe ingqalelo:

1. Kwimeko apho intlawulo ukwakhiwa okanye izindlu esele zenziwe sele senziwe egameni yomqeshi okanye nawuphi na omnye umntu, isixa inxalenye eyinkunzi umzali okanye ezemali, ukuba lwabiwo-mali.
2. Ukuba isivumelwano eqhelekileyo yokuthengisa zokuhlala ityikityiwe phakathi kwezalamane, oko kukuthi amaqela oluxhomekeke omnye komnye.

Imali ngqo ukutsalwa kwerhafu

Ukuba ipropati abeyiqwebile co-ubunini kuphela ngoJanuwari 1, 2014, isixa ukutsalwa kwerhafu ziya kuthunyelwa ngokulinganayo phakathi abanini. Emva eli xesha, eli lungelo imisiwe. deduction Property yabelwe kumnikazi ngamnye, ngokuxhomekeke kuyo inxalenye ethile yeendleko sele ekungenwe ekufunyanweni kwipropati ethile.

Xa abazali ukuthenga indlu nabantwana, banalo ilungelo lokwala ukusasazwa wokutsalwa kwerhafu kwi inxalenye, aze athathe yonke imali, njengoko iya kwintsapho enye. Maxa wambi wenza kuthengwe izindlu kwisivumelwano unaniselwano kunye nentlawulo. Kulo mzekelo, ukutsalwa irhafu kananjalo kuthunyelwa kuzo zonke, njengoko isiphelo yale mvumelwano ayityesheli nomthetho, ingakumbi izibonelelo Code Civil.

Ipropati apho omabini amaqabane ukuthenge emva komtshato, waqonda ipropati yabo edibeneyo, ngoko ngetyala irhafu inikwa kubo ngaphandle amasebe. Kulo mzekelo, isixa wahlulwe ngesivumelwano mutual.

Indlela ukufumana ukuxhuzulwa irhafu?

Ukuze ufumane ukuxhuzulwa irhafu, kufuneka ube umrhafi kwanawokuqhuba la manyathelo alandelayo:

1. Ukuya ukugqitywa ngokucokisekileyo ngokubhengezwa, bemanyene ngohlobo-3-NGOBUCHULE.
2. Iziswa isiqinisekiso esivela ingxelo, ekufuneka athathe indawo yomsebenzi. Oku kubonisa imali oyifumeneyo igcinwe. Kubhaliwe phambili uhlobo olunye 2-emhadini.

Xa kutsalwe irhafu ebalwe ngenxa indlu, amaxwebhu zilungiselelwa kuluhlu onjalo:

1. Isiqinisekiso kokuqinisekisa lobhaliso amalungelo obunini, oyimfuneko ukwenzela ukufumana ezizimeleyo eyakhelwe ngokupheleleyo iiprojekthi zokwakha kunye nolwakhiwo zokuhlala kwinkqubo ekugqityweni.
2. Isivumelwano eqinisekisa ukuthengwa eflethini okanye igumbi, kwakunye sisenzo odlulisela indawo ngokupheleleyo okanye isibonda kuyo. Kwakhona isiqinisekiso esifanelekileyo ukubhaliswa amalungelo obunini. Eziphikisana amaxwebhu kuyahlukana nedlela kuhlobo lwesivumelwano.
3. Xa kwenziwe ukuthengwa komhlaba apho iya kwakhiwa ekwakheni yayo ethile, kufuneka unikeze isiqinisekiso sobhaliso amalungelo obunini, zabuya kuphela emhlabeni efumaneke.

Iikopi zamaxwebhu yentlawulo

Xa kuthathelwa ingqalelo ityala irhafu indlu, amaxwebhu kufuneka nakanjani ziqokelelwe kwaye systematized:

1. Isiqinisekiso ukuba werhafu fumene impahla imali lobuqu. Ukwenza njalo, ukuvelisa iphepha ethile. Le iirisithi ezahlukeneyo, nto leyo bahlawulwa kwi-pay-in emivuzo, ingxelo yebhanki, engqina ukuthunyelwa kwemali evela kwingxelo umrhafi ukuba umthengisi; okanye iirisithi imali; izixhobo abubungqina zibakala kuthengwa iimpahla ezithile kubantu, nekufuneka zenziwe ukuba ingcaciso eyimfuneko malunga umthengisi - ezo eziqulathwe kule yokundwendwela.
2. Ubungqina intlawulo isebenziseke yemali-mboleko okanye inzala ethe phezu sivumelwano semali-mboleko. Olu didi usebenza indlu mortgage. Utsalo yerhafu ibalwe ngokubhekiselele kwisicwangciso okhethekileyo. Ukuba Iirisithi cash zilahlekile, kulo meko amaxwebhu enjalo ingaba iingxelo ezithile, kwakunye isiqinisekiso esivela lombutho wayenza kunikezelo ngetyala, ukuba yonke inzala ihlawulwe. ikhutshwa xa uthenga indlu ngaphandle, uxwebhu kutsalwe irhafu (okanye mandithi, ubukho babo) libonelela luphela.

La maxwebhu ukwenzela ukuthenga zokuhlala co-ubunini

Xa kukho yokuthenga izindlu ipropati joint, kufuneka unikeze la maxwebhu alandelayo:

1. Ikopi yesiqinisekiso esiqinisekisa umtshato.
2. Isivumelwano esibhaliweyo, nto leyo isicelo yokubala kwicala ngalinye wokutsalwa kwerhafu elilingana mali zidluliselwe okanye eyabelwe yi amalungiselelo zobuqu.

yokutsalwa kwerhafu Property kwi indlu ngokubhekisele kumqeshi

Xa sibhenela kumqeshi, ukutsalwa kwerhafu makavunyelwe aphakame phambi kokuphela kwexesha serhafu, Noko ke, kufuneka kuqala uqinisekise ilungelo lokufumana eli lungelo kunye negunya werhafu. Ukuze enze isiganeko esinjalo, umhlawuli werhafu unyanzelekile ukuba:

1. Bhala ingxelo okhethekileyo. Le wokutsalwa kwerhafu kwigumbi kuphela ingafumaneka emva kokunikezelwa kwalo. Zisibonisa yokubanga ilungelo lokufumana ukuxhuzulwa irhafu ngokusekelwe kwezi zibakala.
2. Kuyimfuneko ukuba kulungiselelwe ngokupheleleyo iikopi zawo onke amaxwebhu, ngaphandle apho akunakwenzeka ukufumana wokutsalwa kwerhafu indlu.
3. Kuthiwa igunya irhafu indawo yokuhlala esisigxina ngokukuko nangokuchanekileyo ezalisiweyo yesicelo ngokuthatha iphakheji pre-ndawonye kwaye systematized kwamaxwebhu afunekayo. Onke amaphepha kufuneka ube kwimeko egqibeleleyo ukuze bakwazi imiswe ufumane wokutsalwa kwerhafu indlu.
4. Ekupheleni kwenyanga ukufumana imvume evela kwigunya irhafu ukufumana yonke imali ukutsalwa kwerhafu. Oku kuya kuba njalo ukuba bonke imithetho ithotyelwe, kwaye umntu uye walungiselela iphakheji epheleleyo yamaxwebhu, njengoko kungenjalo inkqubo ukubunjwa ufumane wokutsalwa kwerhafu nga nobucukubhede zila.

Ukuze ufumane ukuxhuzulwa irhafu ibe yokuhlala, kufuneka uqokelele i iseti epheleleyo yamaxwebhu, kwaye qinisekisa ukuba ndibhenele kugunyaziwe werhafu. Le mali iya kunikwa kuphela xa zonke iimeko ezinxulumene ukuthenga impahla kunye isicelo ziphunyeziwe. Ukuba umntu okanye iqela labantu elindele kangangethuba isixa isambuku semali.