TSZHZ ngoba serviceman. Accumulative mortgage uhlelo yezindlu lempi

Izikhathi lapho yezindlu evela isimo okungalimaza bonke ziphelile. Manje ikhambi le nkinga yokuntuleka kwezindlu amanga emahlombe abantu abadinga usizo. Kusukela ngo-2005 kukhona uhlelo olukhethekile okubhekiswe loan izindlu (TSZHZ) ngoba leli sosha. On okushiwo lolu hlelo futhi uzobe okuxoxwe ngazo kulesi sihloko.

mortgage

Ukuthenga efulethini mortgage ngokusebenzisa ebhange, kubalulekile ukwenza inkokhelo phansi futhi ukhokhe nyangazonke isizumbulu semali. isikimu enjalo ingase ibe abameleli ezifanele imisebenzi ejwayelekile nge engenayo ezinzile, kodwa hhayi abantu owachitha ukuphila kwakhe enkonzweni yasobala. Ikakhulukazi kubo, ngo-2004 uhulumeni wazakhela uxhaso mortgage uhlelo (NIS).

Ingqikithi yalo Uhlelo kanje. NIS umhlanganyeli ithola uxhaso nyangazonke ku-akhawunti yakho, okuyinto ingasetshenziswa kuphela ngoba inkokhelo kusengaphambili mortgage. Ngo-2013, usayizi waso aba yizinkulungwane 18.5. Ruble. Esikhathini esingaba unyaka ungase sakkumulirovat 222 thous. Ruble. Izinga loxhaso kwabo bonke abasebenzi, kodwa ngokobungako ngonyaka ngendlela enkulu. Ngo-2014-ke baba izinkulungwane 233,1. Ruble. ngemuva kwezinyanga 36 iqhaza kuhlelo kungaba zithunyelwe umbiko isitifiketi imvume (TSZHZ) ngoba leli sosha. Lona yokuqalisa ekutholeni a mortgage. Nakuba imali iza ngezithukuthuku umboleki, akakwazi ukuzisebenzisa kuze kube isikhathi esithile. Ngakho-ke, umuntu ngokomthetho uthola izimali e sokubolekwayo. Uhlelo luhlose hhayi kuphela ukunikeza izindlu imikhakha ethile yezakhamuzi, kodwa futhi kwi ukwakheka ibutho. Emva kokuthola kusukela loan isimo, umuntu abakwazi ukushiya bebodwa. Uma kungenjalo, kufanele ubuyele zonke izimali isabelomali.

Imali eqokelelwe ekulandiseni umboleki, iphindwe nokusi- zomculo okunokwethenjelwa zezimali. Izimali kungenziwa Cashed kuphela emva kwemsebenti, kanye, ngaphansi kwezimo ezithile.

izenzo okwengeziwe

Emva kokuthola amadokhumenti isikhathi ukuqala ukubheka indawo. Isitifiketi TSZHZ isosha - yikona yebhange umboleki ukuqinisekisa ikhono layo ukukhokha. Amakamelo okulala awabange kungenziwa kukhethwe endlini siphelile noma isakhiwo. Into emakethe eyinhloko okufanele eziqinisekiswe i-Federal State yezefundo "Rosvoenipoteka". Kukhona ababaningi. Ngemva iklayenti kunqunywa nge choice, ungaxhumana ibhange ukubhaliswa inkontileka.

Ukuze ufaneleke ukuthola wezempi, kudingeka ugcwalise lemibuzo, isicelo loan futhi akhawunti ukuvulwa, ukunikeza iphakethe kwemibhalo kanye umbiko izindleko efulethini. Iphepha wamboza kufikela kuzinsuku ezingu-10. Ngemva kokuthola imvume umsebenzi kumele eze ehhovisi ngoba ukusayina inkontileka. izinsuku ezingaphezu 12 esichithwa ukudluliswa kweemali kusukela Federal State yezefundo "Rosvoenipoteka" ebhange. Okwenziwayo Inani ukukhokhelwa kusengaphambili. Khona-ke, ngenxa umboleki kukhona izimali zabo siqu futhi waboleka. Imali umdayisi uthola emva kokubhaliswa kwemibhalo nokudluliselwa kobunikazi. Lokho wakhipha nguye ofanelwe udumo ngenxa yesivumelwano servicemen.

Ubani ongafaka iqhaza?

Ngokusho uMthetho Federal №117 «Mayelana NIS", kungase kube lempi, abakhonza nsuku inkontileka Armed Forces. Ukutholakala kwezindlu kosuku isicelo ngesinqumo ayiphazamiseki.

I NIS kumelwe uchuvstvovat:

• iziqu ezikhungweni ukuthi baye baphetha inkontileka lokuqala ngemva 01.01.2005.

• reserve abaphathi noma izisebenzi zokuzithandela owaqala inkonzo emva 2004;

• izikhulu ze-non-ethunywe, amaphoyisa, abaye basebenza iminyaka engaphezu kwemithathu emva 01.01.2005.

• amasosha abathola isihloko isikhulu kusukela ngo-2007.

abahlanganyeli zokuzithandela enkulu ohlelweni kungaba:

• sergeants, abaphathi kuyinto engasho lutho, amasosha, amatilosi, ngubani usayine inkontileka entsha emva 2004;

• iziqu ezikhungweni eziye abathuntubezwe isevisi ngaphambi 1 Januwari 2005;

• amaphoyisa abathola isihloko kusuka 2005 kuya ku-2007, obandakanya wonke umuntu, sakhonza ngaphansi inkontileka okungenani iminyaka engu-3;

• izikhulu ze-non-ethunywe, amaphoyisa, abaye basebenza ngemva kwezinyanga ezingaphezu kwezinhlanu 36 01.01.2005, kodwa inkontileka lokuqala yasayinwa ngaphambi kwalolo suku;

• iziqu ngonyaka 2005-2007 owayethatha esiphezulu ohlelweni lokufunda.

mortgage Imigomo

Uma isosha iba yilungu NIS, ivese kuvula i-savings account ngegama lakhe. Ukuze iziqu 2005 futhi kamuva, kanye nalabo abaye zabhekana ukuqeqesha abaphathi junior emva 01.01.2008, nge isizinda kangakanani ukuthola isikhundla isikhulu sika. Ukuze amaphoyisa abaye bakhonza iminyaka emithathu, - kube isiphelo sesimiso inkontileka lokuqala. Amavolontiya ngoba uhlelo kumele abhale umbiko kumlawuli. ukubhaliswa kwayo yisikhathi encwadini lwamakholi kuyothathwa zifakwe NIS.

Isosha ngalinye unikezwa inombolo, ngokusekelwe ngalo FGI "Rosvoenipoteka" kuvula i-savings account. Isaziso iinthombe umuntu kwirejista ithunyelwa iyunithi.

Lokukhipha kusukela uhlelo

Esimeni kwemsebenti, ukufa, ukuqashelwa abantu abalahlekile waxoshwa kusukela NIS. Ukulondoloza i-akhawunti ivaliwe futhi zonke izimali, kuye ngezimo, emkhayeni wamasosha idluliswe noma wabuyela isabelomali sikahulumeni.

ngemva kweminyaka emithathu ukuvula i-akhawunti umboleki uthola ilungelo lokusebenzisa izimali ukuthenga izindlu. Ngemva kokucubungula loan ukuze L / s isazoqhubeka ufika mxhaso. Inani zanqwabelana ukuxoshwa ebuthweni isikhathi ungathola imali. Ivunyelwe ukuchitha loan ngcono izimo zokuphila noma nezinye izinjongo. Ithuba efanayo izovela abantu abaye bakhonza iminyaka engaphezu kwengu-20. Military nge eyishumi nakho ungase futhi ukuthola imali engukheshi uma waxoshwa:

• ngokuqondene ekuzuzweni kwemiPhumela isikhathi esiphezulu sokuhlala enkonzweni;

• ngenxa ukuqashelwa njengoba langakufanelekela umsebenzi ngezizathu zempilo;

• ngenxa yezizathu umndeni, okuyinto ezinikezwe ngumthetho;

• Ngenxa yalokho wezinyathelo yenhlangano kanye nabasebenzi.

Uma eshona, ukufa, ukuqashelwa abantu abalahlekile, lemali anqwabelene ekhokhelwe amalungu emkhayeni wamasosha. Kwezinye izimo, imali ebuyiselwa isabelomali.

Ithengwa kanjani i-ifulethi?

Izimali zanqwabelana Uhlelo TSZHZ ingasetshenziswa ukukhokha phansi ingxenye yenkokhelo njalo ngenyanga. Umkhawulo loan lemali kubalwa ngesisekelo iminikelo ukuthi kumelwe ukuba i-akhawunti kwesesosha ngesikhathi waphenduka engu-45 ubudala. Kusukela mxhaso kushintshwe ngonyaka ngumthetho, umkhawulo ibalwa ikhumbula indexation, amagugu wabikezela emali rate inani lenzalo. Ukudluliswa izimali ku-akhawunti yasebhange kuphela kokwenza inkokhelo kusengaphambili noma izinkokhelo zenyanga ku loan.

Algorithm TSZHZ

1. Umbiko igama lomyali.

2. FGI "Rosvoenipoteka" uhlinzeke isitifiketi.

3. ekubalweni kumkhawulo isamba semalimboleko.

4. Cinga efulethini.

5. Ukusebenzisa okubhekiswe loan izindlu.

6. Ulungiselela isinqumo esihle.

7. Ukusayinwa inkontileka ne ebhange.

8. Hlola isimo FGU "Rosvoenipoteka".

9. Ukusayina TSZHZ inkontileka.

10. Ukudluliswa izimali ebhange ukwenza inkokhelo phansi.

11. Isiphetho nomthengisi ukuthengwa nokudayiswa impahla kanye nokubhaliswa inkontileka.

12. Transmission kwemibhalo ebhange.

13. Dlulisela imali umdayisi.

Njengoba kukhonjisiwe ku isitifiketi?

Lowo Mbhalo wangonyaka we iqukethe ulwazi okulandelayo:

• Igama Full of obambe iqhaza;

• Izenzo TSZHZ eside;

• kusho ukubaluleka zanqwabelana we-akhawunti;

• ibhalansi igama le-akhawunti.

Ezinsukwini ezingama-30 emva kokuba ungene ngemvume ifomu ikhishwa isitifiketi. Khona-ke wathumela ngeposi kukhiphe omunye amagatsha FSI "Rosvoenipoteka" noma iyunithi nomyali. Ukuhlola ngokuqinisekisa idokhumenti - 6 izinyanga. Uma ngalesi sikhathi isitifiketi akukakasetshenziswa, kumele uyiswe endaweni legatsha lendawo Federal State.

Indlela imali ebolekiwe amasosha?

Imali esetshenziswa ngaphakathi NIS, ngemva kweminyaka engu-20 yenkonzo adluliselwe isigaba imalimboleko kwelitshe sesibonelelo. Uma umuntu emuka phambi ke, kumelwe ukuba ibuyisele le mali ngesithakazelo ingakapheli iminyaka 10. TSZHZ Treaty inikeza annuity buyiselo isikimu izikweletu.

ezicashile umshwalense

IBhange kabusha adayise mortgage. Uma ushintsha umnikazi we-umboleki kudingeka ngenze izinguquko inkontileka umshwalense. Lokhu isosha efunda kulokho okusuke incwadi esemthethweni ebuya ebhange. Ngemva kokuthola isaziso singakapheli isikhathi esibalulwe udinga ukuza inkampani yomshuwalense kanye uphinde usayine inkontileka.

Military Mortgage Sberbank, VTB

Obolekayo ungakhetha isikhungo credit sokubhalisa inkontileka. Imigomo yonke indawo kucishe:

- yobudala ubuncane umboleki - 21;

- ngesikhathi kwaqedwa serviceman inkontileka Kufanele ube neminyaka ngaphansi 46 ubudala.

Umehluko itholakala inani lenzalo kanye nenani lemali elilinganiselwe ingatholakala ngaphakathi "Military Mortgage". Savings Bank inikeza amaklayenti ayo loans at 10-12% ngonyaka iminyaka 20, ngokweyame ekukhokhweni 10% phansi. Inani eliphezulu - ruble ayizigidi ezingu 2.17. Ngesisekelo imibandela eshiwo, engu esiphezulu umboleki ngesikhathi ukusayinwa idokhumenti uneminyaka engu-25 ubudala. Inzuzo enkulu kwalesi sikhwama - imali encane ngoba ukusetshenziswa kwezimali waboleka. Uma kuqhathaniswa, isilinganiso senzalo kunoma iyiphi enye uhlelo mortgage Sberbank iqala nge uphawu 12%. Credit amasosha VTB inikeza kufika eminyakeni engu-14 ngaleso 12.5% ngonyaka. Obolekayo kumele akhokhe okungenani u-20% yezindleko izindlu njengoba phambilini. Maximum isamba semalimboleko - ruble ayizigidi ezingu 1.9.

Yini odinga ukuyazi ebhange?

Buza isikhungo abasebenzi sakho sezimali ulwazi olulandelayo:

• Umkhawulo sokwebolekwa imali;

• uhlu imibhalo edingekayo;

• isimangalo ayemkweleta lokuzuza ezakhiweni;

• Uhla abalingani accredited AHML, esimweni ukuthenga indawo emakethe eyinhloko.

akudingekile ukuba uthumele imali imali akhawunti kuze kube usuku agunyazwe sesikweletu kwempahla. Hhayi yokuthi umdayisi uyofuna ukubuyela idiphozi uma ibhange uzokwenqaba ukukhipha loan.

izindlu ezithengiwe iba yindawo yoMkhandlu nesosha kusuka imibhalo yokubhalisa. Kodwa ilungelo bachithe kubo lilinganiselwe, njengoba siyisiqiniseko imalimboleko ukubuya. Umnikazi ngeke bakwazi ukuthengisa kwempahla engagudluki uze abuyisele ngokugcwele imali eyayiyikweleta ebhange.

umehluko wemisindo nemiqondo yamagama ezimbalwa nje

1. NIS umhlanganyeli angase ahlale izindlu uthenge, ukuqasha ke (ekutholakaleni kwe imvume FSI "Rosvoenipoteka").

2. servicemen banelungelo lokuthola imali yentela. izimali ibuye ekhokhelwa luzakwenziwa phezu TSZHZ, kanye izindleko kokuphothula kanye nomklamo ezindlini e sakhiwo esisha. Ukudoswa kungenzeka, inqobo nje uma izindleko Imininingwane ingeqi ruble 2 million.

isiphetho

TSZHZ isosha - isiqinisekiso solvency iklayenti sika, kungenzeka ukuthenga efulethini loan ku ngaphansi kwezimo ezimvunayo. Ngemva kweminyaka engu-3 iqhaza NIS ongafaka isicelo isitifiketi. Ngesisekelo le dokhumenti, iBhange sinquma lemali loan. Khona-ke usungaqala ukucinga isiphakamiso ethize emakethe. izimo Mortgage zimi kanje: ukubolekisa anikezwe ngaphansi iphesenti okukhethekile (10-12.5%) eminyakeni engu-20. Inani zanqwabelana for uhlelo isetshenziselwa nokukhokhwa ngaphambili, bese ukuba sokukhokhwa ingxenye yenkokhelo njalo ngenyanga. Ngemva kweminyaka eminingi iqhaza imali NIS 20 kungaba thatha imali.