Ihlelo lezindlu State imikhaya abasha

Ngaleso sikhathi samanje endaweni kubaluleke kakhulu inqubomgomo kazwelonke ukuxazulula le nkinga yokuntuleka kwezindlu, nokusiza abantu abasha abasanda wangena emshadweni kanye abaswele endaweni eziphilayo. Isimo ukulungele ukunikeza eziningi uxhaso izindlu imindeni abasha, angasetshenziswa ekwenzeni umnikelo sokukhokha imali ebolekiwe ku-mortgage ekhona noma ukukhokhela izindleko ngokwengxenye kwezindlu kuyakhiwa.

Isimo ethuthuka ezihlukahlukene amaphrojekthi ahloselwe asekelayo imindeni abasha. Lwenza imikhaya ehola kancane ukuthola amakhaya abo, ezizohlinzeka isimo sokuhlala, kanye ukuzalwa bekhulisa ingane. Isethi ye izinyathelo ekusekeleni imishado esanda kubalwa, eyasungulwa umthetho izinhlelo ezikhethekile, phakathi kwazo ethandwa kakhulu uhlelo izindlu imindeni abasha. It lwemukelwa mayelana nesigameko esebenzisa isimo lokubala ubuningi babantu ezweni futhi ihlose ukwandisa labantu yembuso.

Imibandela yokuthola

Akubona bonke imikhaya iqhaza kuhlelo ukuhlinzeka izindlu. Ukwamukela yesibonelelo sikahulumeni can kuphela imindeni ziwela ngaphansi kwezinye izimo ukuthi. Uhlelo Ezezindlu "umndeni Young" kuhlanganisa ngalezi zici ezilandelayo ukuze ufaneleke usizo lwezimali:

1. Umnyaka ngayinye abashadayo ngeke sidlule engamashumi amathathu nanhlanu.
2. Umndeni abasha kufanele babe umthombo engaguquki imali ukuba abuyisele mortgage isimo. Kodwa kungase kube kanye ekuqongeleleni ukuthengwa indlu.
3. Ukuze wombuso aid womkhaya osemncane kumele babe isimo lokuphila isikhala abadinga eyamukelayo.

Lapho abantu abangewona kuhambisana nemibandela isimo banelungelo lokwenqaba ukuya zokubasiza izindlu emindenini abasha.

"Umndeni Young" - lukazwelonke Russian

Federal lokwakhiwa kwezindlu "Umndeni Young" sivunyiwe for 2011-2016 ngonyaka RF kaHulumeni. Ngo-2016 wanwetshelwa 2020.

Lokhu kwenza kube nokwenzeka ukuxazulula inkinga bakuleli zwe, kanye neminye imisebenzi ehilela ukwengamela:

• Isixazululo ezinkingeni lokubala ubuningi babantu eRussia.
• Ukunciphisa kungevani kahle kutenhlalo.
• Siza imikhaya abasha amafulethi nezindlu.
• Ukwenza kusebenze obolekisayo mortgage.

Phakathi nale nkathi sihlelwe ukuhlinzeka izindlu kungathi izinkulungwane 170. Imindeni, kuyilapho ukuchitha kuyinto ruble 320 billion imali kwesabelomali.

Uhlelo ukwesekwa izindlu imindeni abasha Lisikisela share elandelayo abelwe imali yomphakathi:

• Imikhaya eshonelwe imele u-35% isibonelelo -S. isabelomali Ubuncane womkhaya osemncane, ogama Ukwakheka is hhayi ningi than 2 abantu, kumele okungenani ibe 21 eziyinkulungwane. ruble. Izinkokhelo ngesikhathi esifanayo ilingana cishe izinkulungwane 600. Ruble.
• Imindeni vele izingane, uma 40% uxhaso isenti. Isabelomali ubuncane onamalungu 3 kumele kube ruble ezingaphezu kuka-33 eziyinkulungwane, futhi ehlanganisa 4 -. Hhayi ruble esingaphansi 43 ayizinkulungwane ..

Uma kwenzeka wokutholwa noma ukuzalwa kwenye ingane extra 5% mxhaso.

Olunye uhlelo isimo kwezezindlu 'umndeni Young "inikeza ukuxhasa imindeni emikhulu. Kuye indawo yokuhlala usizo oluthile okusetshenziswayo kunikezelwe, okuyinto kanye nezinye izinyathelo, lusekele esibanzi imikhaya abasha.

Uhlelo Ezezindlu "umndeni Young - zamanani aphansi"

Olunye uhlelo federal kuyinto "umndeni Young -. Zamanani aphansi" It lwemukelwa ukuqinisekisa ukuthi imisebenzi elandelayo:

• Ukuthuthukisa induduzo izindlu.
• Kumiswa izimakethe zezindlu umnotho-class ku Russian Federation.
• Ukuthuthukisa izinga lempilo kuleli zwe.

Lolu hlelo is ukusebenzisa iphrojekthi ngesilinganiso sesizwe sonke "Ezezindlu okungabizi futhi Ukhululekile - izakhamuzi Russian".

Ngaphansi project "umndeni Young - zamanani aphansi" is ukuhlinzeka ngoxhaso uma uthenga indawo yokuhlala. Ukubulawa uhlelo okwenzeka esikhathini kusuka 2011 kuya 2016. Ekupheleni 2016 isimiso selulwa ezinye izinyanga 48, okusho ukuthi kuze kube sekupheleni 2020.

Ezingeni lesifunda, uhlelo athuthukile ngaphansi kwegama "Ezezindlu imikhaya abasha." Kuyasiza imikhaya ehola kancane ukuthenga noma ingxenye ekudambiseni sokukhokhwa loan mortgage.

Emaphandleni nayo imbozwe bill. Ngalo, abantu bendawo bangalindela ngcono izimo zokuphila zemindeni esencane ababehlala ngaphandle amadolobha; ukuhlinzeka abantu abampofu yasemakhaya zamanani aphansi.

Otherness

Bobabili izinhlelo zifana nomunye futhi zenzelwe ukuthuthukisa ikhwalithi izimo zokuphila imikhaya abasha. Nokho, lezi zinhlelo zinezikhathi isici esincane ehlukile, okuyinto ebaluleke ukukhokhela ukunakekelwa okukhethekile ukuze zonke abahlela ukuba ube khona.

Uhlelo "umndeni Young", njengoba kuqhathaniswa iphrojekthi "umndeni Young - zamanani aphansi" enezinto eziningi izimo ezengeziwe. Ngoba "umndeni abasha" omunye izimfanelo kuyinto ukuba nomntwana. Leli qiniso eshintsha izidingo zomthetho ukuze ubuzwe yabazali bazo. Ngakho, ngo-hlelo "umndeni Young - ezingabizi izindlu" abantu abashade, uma sisebenzisa isikhathi isidingo saziso ukunikeza ubufakazi bokuthi izicelo abayizakhamuzi WaseRussia. Ukuze lolu hlelo "umndeni Young" ebukhoneni okungenani unengane eyodwa lokuba izakhamuzi WaseRussia kubalulekile ukuba umzali oyedwa kuphela.

imibhalo edingekayo

Ukuze imali yoxhaso yemali, esinikela lokwakhiwa kwezindlu imindeni abasha, bonke abadinga ukunikeza imibhalo edingekayo nokuphathwa endaweni lapho uhlala khona. Uhlu kwemibhalo:

• amakhophi amabili isicelo senkokhelo.
• Lo mbiko, isitifiketi somshado.
• Amakhophi passport ka owakwakhe.
• Isitifiketi esiqinisekisa isimo umndeni njengoba abampofu.
• Imibuzo izinkokhelo wathola.
• Izinkontileka sokubolekwayo kanye mortgages.
• Imibhalo ngomntwana, uma kukhona (ikhophi yesitifiketi sokuzalwa).

Uma izinkokhelo izindlu uzobe esichithwa ekukhokhweni izikweletu mortgage, ngaphezu kwalokho okudingeka ukuba anikeze iphepha ezilandelayo:

• Ikhophi yesivumelwano yasebhange, lesi sinqumo loan.
• Idokhumenti ubunikazi izindlu, elise mortgage.
• Isitifiketi ebhange ngesimo ibhalansi izikweletu.

Kulokho ongase ukwazi ngaso ukuchitha uxhaso

Nikeza kusukela isimo sezindlu imikhaya abasha, kungenziwa kuphela esichithwa okulandelayo:

• Ukuthengwa kwempahla izindlu.
• Ukwakha siqu ekhaya yakho yangasese.
• Ukubuyisela imali mortgage.
• inqubo Inkokhelo sokubhalisa kobunikazi ingcebo HBC.

Izinzuzo lokwakhiwa kwezindlu

Ihlelo lezindlu State imikhaya abasha kunezinzuzo eziningana:

• yokufuna Rapid kwezindlu.
• Okuphansi senzalo.
• Ukuphepha mortgage umshwalense izingozi.
• Fast check-in endaweni lapho uhlala khona.

Nemibi lokwakhiwa kwezindlu

Kodwa ziyingxenye izinzuzo lokwakhiwa kwezindlu imindeni osemusha ezithile ezingathandeki:

• Inani elikhulu iqhaza kulolu hlelo, okwandisa emgqeni nokulinda isikhathi.
• Lolu hlelo kuhloswe ngalo imindeni nge engenayo ezinzile.
• Uhlelo eziza kuqala - Ezezindlu esezingeni eliphakathi nendawo.
• nokukhokhela nyanga zonke.
• Inani elilinganiselwe loan.
• Ukuze-ukuvuthwa izikweletu umnikazi impahla - isimo.

amathemba ukuthuthukiswa

Kusukela 2016 ukwethulwa letengetiwe ukusekela ukuthuthukiswa kanye nemindeni kwakhiwa Kwakuhlelwe.

Kakade uzilungiselele bill ekhethekile, okuqukethwe elitholakala kwi website esemthethweni ye-Duma State. Iqukethe izinto ezilandelayo:

1. Ukuboleka imali engenanzalo ukuze ukuthenga impahla yabo.
2. Ukukhokhela ukwakhiwa noma ukuthenga izindlu, ingxenye 25-45% yenani isilinganiso.
3. Umxhaso ukuba abuyisele ukubolekisa ekhaya lapho kuzalwa enye ingane.
4. Ukwanda engu-abashadayo.
5. Ukwehlisa inani lemali elincane engenayo njalo ukwesekwa.
6. Ukwanda mortgage ukubaluleka kwezindlu ruble 2.5 million.

Okwamanje iphrojekthi ingaphansi sicatshangelwe njengoba kulindelwe Duma State. Ngakho-ke, ngo-2017, cishe, singalindela entsha okwakhiwa kuzo izindlu zomphakathi ukuze bondle imindeni yabo.

Iziphi izinguquko kulindeleke 2017

Minyaka yonke kusukela ngo-2011, isifika ushintsho izinhlelo zezindlu okuhloswe ngaso ngcono kanye nokwenza usizo.

Ngokungafani Uhlelo 2016 izindlu imindeni abasha, yakhelwe 2017, sihlinzekela izinguquko ezilandelayo:

• Okokuqala, sokukhulisa iphesenti yezinzuzo zezinto ezibonakalayo wombuso. Uma ngo-2016 imindeni ngaphandle inkokhelo ingane zaba 30%, kanti imindeni nengane - 35%, e-2017, anda esimweni sokuqala futhi 35%, kanti eyesibili - 40%.
• Okwesibili, kuyoba ukwanda amavidyo square ilungu ngalinye lomndeni.