Ukubuyisela imali abatshelekayo dolobha komama: imibhalo kanye nencazelo inqubo

It umthetho ukusetshenziswa womama dolobha ukuthenga izindlu. Zonke amabhange ukuthi bekwi mortgage abolekise, kudingeka ukuthatha izitifiketi isimo izinkokhelo kwenzalo / noma imali ebhange. Eminye imininingwane mayelana nendlela asebenzise enhlokodolobha buyiselo umama mortgage (imibhalo RPF kunesidingo sokubhalisa yokuqinisekisa ukusebenza, izofakwa kuhlu), funda ku.

definition

Nal Capital (CMC) - isabelomali izimali kahulumeni ukuthi zidluliselwa ku-Pension Fund for wokuthatha amagadango isimo. Njengobufakazi balokho ifanelwe kubahlanganyeli hlelo ukuthola gosobraztsa isitifiketi. Ungathola ke buqamama endawo Pension Fund Russia endaweni lapho uhlala khona.

Enye indlela ukuthenga okusheshayo yezakhiwo impahla - ukusetshenziswa womama dolobha ukukhokhela sonke isikweletu sendlu. Amaphepha adingekayo sokubhalisa imisebenzi zidluliselwa ku- Pension Fund yeRussia, onquma ekusetshenzisweni MSA izimali.

Ngiyithola kanjani isitifiketi?

Ngaphambi kokuba sicabangele ukuthi ukuze lelisu sokukhokhwa mortgage dolobha kwabakhulelwe, imibhalo edingekayo yokubhalisa zokukhokhelwa, ukubhekana nendlela uthole isitifiketi MSC.

ngosizo lwezimali oluvela enhlanganweni kahulumeni ungathola owesifazane oseneminyaka ozalwa noma leyemukelwa ingane yesibili futhi okwalandela. Ngo esigabeni esifanayo abangababo okhokho abaye bamukela ingane yesibili. Imali Ungase futhi uthole ingane kwesokunxele ngaphandle abazali, lapho efika yobudala. izimo okugunyaziwe:

• Ukuqeqeshwa Esikoleni esigcwele.
• Ubudala - kuze kube iminyaka engu-23.

Thola isitifiketi kungaba ehhovisi Pension Fund Russia ngesicelo ebhaliwe umzali. Ukuze idokhumenti kuzomele wenze ikhophi izicelo iphasipoti, isitifiketi sokuzalwa (ukwamukelwa) kwezingane. Pension Fund angacela imibhalo eyengeziwe, ikakhulukazi uma umuntu ofake isicelo ungumuntu ubaba oyedwana. Kungakapheli nenyanga, le GRP lizobuyekeza imibhalo bese wenza isinqumo mayelana isitifiketi. Isaziso kumfakisicelo ukuze izinsuku 5. Uma sivunyiwe, idokhumenti siyobonisa kuphi futhi nini sizokwazi ukuthola isitifiketi.

isicelo

Msk is ngokobungako ngonyaka ukwehla kwamandla emali. Izimali lingasetshenziswa iphelele noma ingxenye nezimpi eziningana. Omunye wabo - ngcono izimo zezindlu. Kule ndawo ungathumela imali ukuthenga (ukwakhiwa) izakhiwo etholakala endaweni WaseRussia. Ngenxa yalezi zinjongo kungathatha yibhange imali, bese sikhokha udaba mortgage dolobha kwabakhulelwe. Amaphepha adingekayo cala ngokusebenza, uzobe ngeposi ku. Kusho kungenzeka ukulahla izinyanga 36 ngemva kokuzalwa noma ukwamukelwa ingane kwesibili noma izikhathi ezilandelanayo. Isikweletu singasetshenziswa ikhishelwe unina noma uyise.

Ukuqalisa

Uhlu olulandelayo kwemibhalo sokukhokhwa mortgage udinga ukunikeza ebhange:

• ikhophi isitifiketi MSC.
• iphasiphothi Russian.
• isicelo sokukhokha imali esinqunywe ngokuvumelana ekuqaleni we abatshelekayo (ifomu esezingeni ebhange).

Ibhange kumele inqume isitifiketi, equkethe inani izikweletu, ihlukaniswe ibe ingxenye eyinhloko isikweleti sakhe futhi isithakazelo. Lapha ungakwazi ukuthola isitifiketi kobunikazi impahla kanye inkontileka ukuthenga indawo. Esigabeni esilandelayo - ukudluliswa kwemibhalo ukuze Pension Fund.

Ukubuyisela imali abatshelekayo dolobha komama: imibhalo

Ukuze imali ebolekiwe kwezimali zomphakathi, kubalulekile ukuba balungiselele futhi bazithobe FIU imibuzo. A uhlu oluphelele imibhalo ukuze mortgage buyiselo dolobha komama amelwe indawo endawo Pension Fund yeRussia. A uhlu olufushane:

• isitifiketi sokuqala ukuthola wombuso aid.
• Ikhophi umnikazi ipasipoti isitifiketi noma omunye umbhalo eqinisekisa lowo muntu. Uma isicelo sithunyelwa yi-womshado (a), isidingo angeziwe wokunikeza ikhophi yesibili ipasipoti nomshado isitifiketi. Uma isicelo sithunyelwa nge umuntu ogunyaziwe, kubalulekile ukuba ngaphezu kwalokho unikeze ikhophi amandla ommeli.
• Ikhophi yesivumelwano mortgage ne ukubhaliswa isimo.
• Imibhalo eqinisekisa kungenzeka yokuthola izimali MSC Inhlangano ayemkweleta:

1. ngoba ababoleka ngubani refinanced ukubolekisa HMLA, - ikhophi ushintsho umnikazi isaziso mortgage;
2. ngoba ababoleka kabani ukubolekisa zidayiswa kwezinye izinkampani - ikhophi yencwadi evela kumnikazi mortgage wesibili. Isaziso sokushintshwa umnikazi mortgage ithunyelwa umboleki emva refinancing sokubolekwa usithumela.

• Ikhophi yesitifiketi sokubhalisa isimo ubunikazi yamagceke.
• Sicashunwa endlini yencwadi, i-akhawunti yomuntu.
• isibopho kwasayinwa ukukhipha indawo ngokuvamile (nazo zonke izinhlangano ophilayo) ubunikazi, emva ukususwa encumbrances.
• Isitifiketi kusukela yasebhange izikweletu ezisele kufana ngesithakazelo.

Nazi amadokhumenti ukuze mortgage buyiselo komama dolobha izidingo.

ukusula kuphela

Umthetho ubeka ukuthi kungenzeka kuphela ngesimo non-cash umzimba buyiselo mortgage dolobha kwabakhulelwe. Imibhalo e Russian Pension Fund ziyatholakala ukugunyaza ngokudluliswa kwentambo. Kodwa lesi simiso zikhona ezehlukile. Uma umndeni owakha indlu, enye into ngaphambi kokuba uqale umsebenzi, ungathola kwesigamu inani ku-akhawunti yasebhange. Ukuze lemali esele kuyodingeka zisebenze Pension Fund Russia futhi unikeze iphakethe kwemibhalo isihloko komama mortgage ukukhokha imbuyiselo. Kulokhu, phakathi tranches ngizodabula okungenani ezinyangeni eziyisithupha. Ngaphezu kwalokho, kudingeka balungise amaphepha, okubonisa ukubaluleka kwemisebenzi: izinkontileka nosonkontileka, izenzo ukwamukelwa.

Kangakanani sokukhokhwa komama dolobha mortgage?

Imibhalo ukubhaliswa kwesicelo ukuze kulahlwe izimali idluliselwe ehhovisi Pension Fund. Umsebenzi kufanele ahlinzeke irisidi okubonisa inombolo kanye nosuku idokhumenti, igama lakhe kanye nendawo. Kungakapheli nenyanga, kwenza isinqumo ekwamukelweni noma ukwenqaba ukusetshenziswa MSCs e isaziso ithunyelwa isicelo.

Uma izincwadi ezidingekayo sokukhokhwa inhlokodolobha komama mortgage, esihlelwe ngomumo ngokungalungile, inqobo lemali lingaphelele noma ephelele imali kwi-MSC idlula ibhalansi izikweletu, in the inetha kungenzeka inqatshelwe. Isaziso Pension Fund Russia ubophekile ukuba ucacise isizathu sokwenqaba nesisusa. Lesi sinqumo ngekufaka sicelo enkantolo.

Yini imibhalo ukukhokhela sonke isikweletu sendlu komama dolobha isidingo ebhange? Ibhalwe isaziso FIU ngemvume ukusebenzisa imali kahulumeni. Uma kukhona buyiselo ngokwengxenye imalimboleko, umboleki kumele anikeze isitatimende sasebhange ekhombisa indlela ekhethiwe ishejuli yenkokhelo izinguquko:

• nokwehlisa eside yesivumelwano ngenkathi sigcina ubukhulu yokukhokha;
• ukunciphisa usayizi izinkokhelo ukongiwa nenkathi yenkontileka.

Pension Fund Russia ubophekile ukuba uthumele imali ezinyangeni ezimbili kusukela ngosuku isinqumo. Nokubeletha dolobha ayikwazi ukusetshenziswa ukukhokha inhlawulo futhi izinhlawulo ukuthi zibe ngenxa ezenzakalelayo ku loan. Okungukuthi, kuze ukudluliswa kweemali FIU umboleki ubophekile ukuba abuyisele izikweletu. Ngemva imizana wenza isimiso esisha ukubuyiswa kwemali.

Indlela ngowokuqala isikweletu ukubuyiswa kwemali

Ngezithukuthuku gosopomoschi ongakhokhela ingxenye kusengaphambili sokubolekwa kwemali noma isithakazelo kuyo. Inketho yokuqala ayitholakali kuwo wonke yesikhungo credit. Ngaphambili, iBhange libabiza amaklayenti ababengakwazi ngokuzimela akhokhe imali kokuqala, ukuba ezikweletini. Namuhla, izikhungo ezinkulu zezimali basuse futhi wamukele i-MSA. Kufanele kuqashelwe ukuthi izimo sokubolekwayo enjalo kungaba uyibize ngokuthi zisekela ababoleka. Ukuze ukuthengiselana okunjalo inqobo ukhokhe inzalo enkulu nge loan encane eside.

Eyesibili indlela buyiselo

inketho Okuningi eyamukelekayo - buyiselo imalimboleko ngezithukuthuku MSCs, njengoba emva ukunciphisa inani izikweletu, isithakazelo ibalwa njalo ngosuku ngaphezu esele. Uma lo muntu obolekayo ihlele wokuyibuyisa ngaphambi kwesikhathi ebesibekiwe, ngemva nemizana ungehlisa inani yokukhokha.

Indlela yesithathu isikweletu ukubuyiswa kwemali

Ukuze ibhange kunenzuzo uma ngenxa CMC phindisela kuphela inzalo loan. It is okuqinisekisiwe ukuthola ingxenye yezimali othenjisiwe. Isikimu efanayo kuyazuzisa iklayenti, inqobo ukuthi akahleli buyiselo zakuqala imalimboleko. Inani ukukhokhelwa nyangazonke kuyehla, kodwa hhayi kakhulu.

Izici

Isitifiketi MSC ekhishwe isikhathi angenamkhawulo. Thola isamba nganoma yisiphi isikhathi. Uma umuntu obizwe ngegama idokhumenti ufile, sebenzisa isamba can omunye umzali, umnakekeli noma ingane ize kweminyaka eyi 23.

Ukusebenzisa usizo ngezimali zikahulumeni nganoma yisiphi isikhathi. Ukukhethwa kuyinto lapho umnikazi isitifiketi uya ulisebenzise ukuze ukhokhele inkokhelo phansi. Kulokhu, ungasebenzisa kuzoba izinyanga 36 ngemva kokuzalwa / ukwamukelwa ingane. Kunenye komkhawulo. Uhlu kwemibhalo isihloko komama mortgage buyiselo ukufaka isitifiketi Pension Fund eqinisekisa ukuthi odlule wombuso aid izimali ayengasetshenziswa noma iyiphi enye injongo.

Ngaphezu kwalokho, kukhona izinhlelo yombuso kanye lesifunda ukuthuthukisa isimo lokubala ubuningi babantu ezweni. Ezinye zazo enikeziwe izimo ezithile ukuthola (ukubhalisa) walo mhlaba e impahla.

Ngemva buyiselo imalimboleko uthenge ingcebo ngeke abulawe ngokubambisana nawo wonke amalungu impahla yomndeni.

Ukuvala GMT

Uhlelo nokubeletha dolobha wethulwa 2007. Ngisho nangaleso sikhathi masisho ukuthi uhlelo ngeke isinyathelo unomphela. iminyaka 8 kamuva wabonakala amahlebezi wokuqala mayelana ukuqedwa isitifiketi. Isizathu salokhu kwakuwukuthi ngo-2014 esikweletini Penisionnogo Russia Isikhwama (lapho zonke izinkokhelo) zaba cishe u- $ 1 trillion. deda. Phakathi nenkathi efanayo 200 mln. Ruble zakhokhelwa ku izitifiketi GMT. Ayikho isinqumo yokugcina seyenziwe. Ngokusho idatha wokulungiselela uthole isitifiketi lingafika 31/12/18 obanzi, futhi basebenzisa ke - in the iminyaka engu-10 ezayo.

Ngonyaka olandelayo uyazicabangela izinguquko ezilandelayo ukuze uhlelo lokusebenza izimo:

• Ukukhishwa izitifiketi kuphela nemindeni amazwe abasha noma emali lengenako lesemkhatsini;
• sidingida izindlela ezintsha zokusebenzisa i izimali - ukuhlunyeleliswa nezingane ezikhubazekile.