Yini izinzuzo imikhaya abasha ifakwa?

Imikhaya eminingi abasha badinga usizo, ikakhulukazi nge obhekwe ingane, ngakho kukhona izinzuzo ekhethekile ngabo. Basuke fixed ngumthetho. Kuyadingeka ukuba azi ukuthi angasilawula kanjani kubo ukusizakala ngabo. Izinzuzo enikeziwe emindenini abasha uma kwenzeka ukuthi basekelwa yesikhundla sakhe, isibonelo, ukubukeka ingane.

Umqondo womkhaya osemncane

kungekho welithi "umndeni abasebasha" umthetho waseRussia. Njengoba singabona kusukela umkhuba, umshado abasha, uma ubude bayo ingaphansi kweminyaka engu-3 ubudala, kanti unina, noma uyise iminyaka engu-30 ubudala ube 1 ingane kuze kube iminyaka engu-18. Uma ezincane waziphatha imfundo umzali ongayedwa iminyaka engu-30, bese-ke likhona kulesi sigaba.

Izinzuzo imikhaya abasha - ukwesekwa kusukela amabhajethi yombuso kanye zesifunda, okuvumela ukuba owesilisa nowesifazane kanye nengane ezidingekile ukuphila okunethezekile. Emikhayeni eminingi, zikhona izinkinga ezifana amaholo aphansi noma ukuntuleka kwezindlu ehlukile. Futhi sibonga izinqubomgomo nezenhlalakahle isimo, ungakwazi ukuqeda izinkinga eziningi.

izinhlobo izinzuzo

Njengoba usizo olunjalo emindenini abasha kuleli Russian Federation akukho. Kodwa uma ondlile abantwana ezintathu noma ngaphezulu, abanelungelo lokuthola izinzuzo:

• izindlu (elikhiphe amafulethi khulula, ezweni);
• nomphakathi (izinzuzo, izaphulelo kuma Umbuso izikweletu);
• impilo (imithi, ukudla wokuhlola);
• intela (yengeniso intela ukubuya);
• ezokuthutha (yokukhululeka omgwaqo).

Yiziphi izinzuzo umndeni umntwana zinikezwa ngaphandle kwakhe? Yena anikezwe soxhaso ukuthengwa nendawo yokuhlala, Isiqinti esibiza. Ungasebenzisa futhi i-mortgage nge ngenzalo ephansi kunokuba namanye amaqembu amaningi omphakathi.

yokufuna impahla

Uma umndeni ayinakho izingane, kungenzeka ukuthola:

• uxhaso 35% kwentengo efulethini;
• abatshelekayo ngaphansi kohlelo "umndeni Young";
• mortgage nomphakathi.

It kunezinzuzo nomndeni abasha nengane. Izinzuzo kumele zithole uxhaso ukuthengwa ingcebo inani 40%. It kuvela ukuthi izindleko izindlu elusizo kakhulu.

ukubuyiswa kwemali abatshelekayo

Yini izinzuzo imikhaya abasha ifakwa kule ndawo? Kukhona ukuthi kungenzeka ukujoyina uhlelo isimo "umndeni Young". Anikeza amabhange amaningi. Nokubeletha dolobha singasebenza njengesisekelo esiqinile sokufinyelela yokukhokha olungaphelele mortgage, ngakho kuyodingeka bakhokhe kuphela okusele.

Ngaphansi kohlelo, umfazi engu-35 nethuba imali yoxhaso kusuka kuhulumeni, esetshenziselwa ukukhokhwa ingcebo. Iziphathimandla zendawo kufanele enze ukubala amanani izindlu, okuyinto ethola umndeni, unikezwa izindleko isilinganiso esifundeni. izinzuzo ezinjalo ithuba ukuthola isibonelelo afika ku 70% yezindleko izindlu.

mortgage

Izinzuzo izindlu imindeni abasha tinikwe ngesimo abatshelekayo nge amanani aphansi. Amasevisi ingasetshenziswa nganoma iyiphi ebhange zentengiso. udonsa yabo Sberbank, VTB 24 kanye nezinye izikhungo. Ukukala obuhlukahlukene phakathi 12-13%, kanti elithi loan uneminyaka engu-30.

Ezindaweni ezahlukene esiphezulu loan lemali. Ngokwesibonelo, eMoscow Petersburg, kuba ruble ayizigidi ezingu-15, futhi kwamanye amadolobha -. Ruble ayizigidi ezingu kuphela 8 ..

womama inhlokodolobha

inhlokodolobha nokubeletha - ukwesekwa isimo ngemindeni nezingane. Uhlelo usebenza kusukela 2007, futhi awasebenzi kuphela nje kokuzalwa kwengane yabo, kodwa futhi ukwemukelwa yesibili futhi okwalandela.

Ngokomthetho, inhlokodolobha womama kungenziwa wachitha ngezinhloso ezilandelayo:

• Ukuthuthukiswa izimo zokuphila;
• imfundo;
• izinsizakalo zezempilo.

Uma sicabanga izinzuzo imikhaya abasha ukuthuthukisa izindlu, lolu hlelo luyoba akhokhe isikweletu sendlu sakho noma sabanye loan, okuyinto yayikhishwe yokufuna ingcebo. inhlokodolobha nokubeletha kabusha, ukukhanda, izindlu, ukwakhiwa iqhaza. Izimali ingasetshenziswa ukukhokhela lokukhokhela isitolimende sokuqala ku-mortgage.

Ukwakhiwa yemizi

Uhlelo "Umndeni Young" ukuthola uxhaso ukuze kwakhiwe indlu. It is esichithwa yokukhokha amasevisi inkampani ukwakhiwa noma isinxephezelo yezindleko zayo uma kwenziwa umsebenzi wokunyathelisa i ngokuzimela.

Umxhaso kuyafana endabeni yokufuna izindlu. Ngosizo ezifana Isaphulelo ezuzisa kakhulu nengabizi. Amakamelo okulala awabange imikhaya abasha ishibhile. Uhlelo ubhekwa jikelele, ngoba kusiza ekuxazululeni izinkinga eziningi ezihlobene ngcono izimo zokuphila.

Umbuso indawo izikweletu

Izinzuzo enikeziwe emindenini abasha ngesimo izaphulelo kuma Umbuso izikweletu. Basebenta kulezi zimo ezilandelayo:

• ukukhokhela kubo wachitha engaphezu kwengu-20% of the imali Imininingwane;
• umkhaya iholo eliphansi, noma enkulu, njengoba kufakazelwa imibhalo.

Kuzo zombili lezi zimo, isaphulelo 50%. Usayizi izinzuzo kuncike esifundeni. Ngokuvamile kungase sifinyelele 100%.

Okunye ukweseka

Uma umndeni elisha lithamba izingane 3 noma ngaphezulu, yena ungajabulela izinzuzo ezilandelayo:

• Ukubhalisa ngobubona enkulisa;
• ukwelashwa mahhala, ukuvuselelwa, nemithi, baby ukudla;
• Isaphulelo for enkulisa yokukhokha;
• travel khulula on izithuthi zomphakathi;

izinzuzo ezinjalo ahlinzekwa futhi imindeni edla imbuya ngothi. Lokhu kwenza kube nokwenzeka ukuba ngcono isimo sabo sezimali.

Kanjani ukuqala ukusebenzisa usizo?

Ukuze ukwazi ukufaka isicelo izinzuzo ngcono izimo zokuphila, kufanele uthintane nomNyango Ezezindlu nemitlolo elandelako:

• isicelo;
• passport;
• isitifiketi sokuzalwa sengane;
• isitifiketi Ukwakheka umndeni;
• Amadokhumende Social Security;
• engenayo isitatimende Ifomu 2-PIT.

Uma selekelelo kuyadingeka ukuze asule mortgage, kufanele ukulungiselela uhlu udaba olwengeziwe:

• ubufakazi bobunikazi izindlu;
• nesivumelwano sokubolekwa imali;
• incwadi evela ebhange ayemkweleta.

Uma isibonelelo izothunyelwa ku share umnikelo, ngemva kwalokho impahla iba yindawo yoMkhandlu, amaphepha ezilandelayo zibalulekile:

• Imibhalo eminikelweni imali eyinzalo engakakhokhwa;
• Amakhophi ezincwadi abamelwe;
• ubunikazi;
• Izikhombo ukuze ujoyine co-op;
• isiqinisekiso ukudluliswa kobunikazi.

nezinzuzo zezenhlalo

Ukuze asizakale izinzuzo kwezenhlalo, kubalulekile ukuba athintane nehhovisi nezenhlalakahle. isikhungo njalo is kuwo wonke amadolobha. Kulokhu, udinga ukuthatha nawe:

• owakwakhe passport;
• isitifiketi yezinzuzo;
• isitifiketi sokuzalwa sengane;
• izinzuzo isiqinisekiso;
• isitatimende.

Lapho isicelo esibhaliwe amakheli isidingo abantu ukuthola izinzuzo. Amaphepha eqinisekisa lokhu kulungile.

izici lesifunda

Kuzo zonke izifunda, izinzuzo zokuba nalo imikhaya abasha. Ahloselwe ukuze zithuthukise izimo zokuphila. Ngokwesibonelo, izakhamuzi eMoscow ahlinzekwa ukukhipha entshisakalweni khulula mortgage ukuthenga ingcebo. Ngo Tver, ngaphandle isimo-yibhange 40%, kanye nengane eyodwa bangathola i ezengeziwe 10% intengo impahla. Izinzuzo zinikezwa ne kokuzalwa kwengane yakho. Umphumela uba ukuthi isaphulelo 50%.

Ngo Volgograd, kukhona kungenzeka ukuthola izibonelelo inani ruble 25 000, uma umntwana wazalwa kuze yobudala engu-23 umama oneminyaka. Lolu hlelo lwenziwe wathola sandise esemncane futhi inani imindeni abasha esifundeni. Ezweni ngalinye isihloko inezici ayo eziwusizo. Kufanele ufunde neziphathimandla zendawo. izinhlelo Federal nawesifunda ukusiza imindeni abasha, ukuthi banayo yonke into edingekayo ekuphileni okuvamile.