Imali yentlalo yaseKazan. Intlawulo yezenhlalakahle kwiintsapho ezincinci

Imali-mboleko - uhlobo lomboleko, phantsi kwemiqathango apho umthengi athola i-estate estate kwaye uzama ukuhlawula ityala ngexesha elichaziweyo. Njengekhuseleko ekusebenzeni kwebopheleleko, ipropathi iba yisibambiso kwibhanki. Umthengi unokuhlawula ezinye iimpahla. Iimeko zelo hlobo lokuboleka eRashiya zinqongqo. Ngako oko, urhulumente, kunye neebhanki, unikezela abemi bakhe iqela elithile labemi kunye neenkqubo zalo zokugcina. Ulwazi oluthe nkcukacha ngokubanzi malunga nokuthengwa kweentlalo kwi-Kazan, uya kufunda imigaqo yokufumana kwayo kweli nqaku.

Izixhobo

Izindlu kwizindlu zentengo zentlalo zinikezelwa kwiindidi ezingakhuselekanga zabemi abangenako ukuzimela ngokuzimeleyo indlu kwiprojekthi yorhwebo. Uhlobo oluphambili lukwindleko encinci ye square 1. Indawo yokuhlala. Ababoleki abayidingi ukugcina imali yokuthenga indlu iminyaka emininzi. Bangakwazi ukungena kwizindlu emva kokubhalisa mboleko kunye nokurejista apho amalungu omndeni. Enye inzuzo yilezi ziqinisekiso ezongezelelweyo ezibonelelwa yibhanki kunye noorhulumente. Inkonzo yentengo yemboleko ihlolisisa onke amaxwebhu, iqinisekisa ubomi bobolekayo kunye nepropati, izinga lentengo yenkonzo alitshintshi de kube sekupheleni kwesivumelwano.

Intlawulo yemali yabasebenzi kubasebenzi baseburhulumenteni (i-Kazan) inikezelwa ngamagama alandelayo:

• Abathathi-nxaxheba bangaba ngabasebenzi bamashishini karhulumente, kunye nalabo abaxhasayo ngemali;
• Ngomntu ohlala kwindawo yokuhlala kufuneka alandele ubuncinane ubuncinci beemitha ezili-18. M;
• Isixa esiphezulu semboleko siyiminyaka engama-28;
• Imboleko inikezelwa kwinqanaba le-7%;
• Kukho ithuba lokufumana mboleko ngaphandle kokuhlawulwa kwangaphambili.

Uluhlu lweemfuno alugunyazisi nje kuphela ngeebhanki zorhwebo, kodwa nakwabasemagunyeni. Iyokuqala inokumisela imingcipheko yobummi, ukuhlala kunye nerekhodi yomsebenzi, njl. Iimfuno zabasemagunyeni zihambelana nokuthengwa kweendawo kunye neendawo zazo.

Ingxaki ebalulekileyo yokubolekwa kwemali yinto ehlawulwa ngokugqithiseleyo, engadlula i-100% okanye ngaphezulu. Iquka ikhomishini yasebhanki kwiinkonzo, ukubonelelwa kweenkonzo, iintlawulo zomshuwalense zenyanga, njl njl.

Iinkcukacha

Intlawulo yezenhlalakahle eKazzan inikezelwa kwisakhelo seprojekthi yeSalavat Cooper. Kwintsimi yendawo enokuhlala kuyo kwingingqi yaseKrov, iihektare ezingama-400 zabiwe, apho izigidi ezili-1.4 zeemitha zendawo ziyakhiwa. Indawo yokuhlala. Abantu abangaphezu kwama-50,000 sele behlala apha, abanokusebenzisa izibonelelo eziphuhlisiweyo: 22 i-kindergartens, izikolo ezi-7 kunye neepolyclinics eziliqela. Ingqikithi ngo-2014 yaqalisa ukusebenza ii-6,5 zeevenkile ezineendawo ezili-380 zeekhilomitha ezili-square. Isicwangciso se-2015-5649 iindawo zokuhlala ezineendawo ezingama-345 zeekhilomitha ezili-square. Amitha.

Kwisakhelo seprogram yesigqeba esithi "ezeZindlu" ezi nkonzo zilandelayo zibonelelwa:

• Intlawulo yezenhlalakahle kwiintsapho ezincinci;
• Ukubonelelwa kweziqhelo zomhlaba;
• Ukubonelela ngezindlu kwiingcali ezisemaphandleni;
• Ukuzaliseka kweembopheleleko zombuso ukubonelela ngezindlu ezithile kwiintlobo ezithile zabemi.

Ngubani okhoyo kwi-mortgage?

Umba wokubonelela abantu abemi ngezindlu kunzima eKazzan naseTatarstan. Kodwa kule mimandla kukho imiba ethile yenkonzo. Ngokuhambelana nomthetho, abantu abafuna imimiselo yokuphila engcono, ebhaliswe, kunye nabantu abasebenza kwimibutho eyenza imali yokugaya imali, banokuzuza kwinkxaso karhulumente. E-Kazan, kukho enye ingxaki: umhlaba oomasipala usondele ngokupheleleyo, ukwakhiwa kwenziwa kwindawo yokudilizwa kwezindlu okanye kwindawo yoshishino.

Iintlobo

Kubahlali baseKazan naseTatarstan, iiprospecies ezinjalo zeprogram ye "Social Mortgage" zisebenza:

• "Ifulethi kubafundisi abatsha."
• "Ukuboleka kwemindeni eselula."
• "Igumbi loLutsha".

Masiqwalasele ngamnye ngamnye ngeenkcukacha ezingakumbi.

Ifulethi yootitshala

Ukuxhasa ootitshala abanobuncinane abangaphantsi kweminyaka engama-35 ubudala, inkqubo ekhethekileyo yokunikezelwa kwembuyekezo yaphuhliswa . Abathathi-nxaxheba bangafumana inkxaso malunga ne-10% yeendleko zezindlu ukuhlawula intlawulo. Le mali inikwa xa umqeshwa sele esebenzele iminyaka engaphezu konyaka kwaye uzimisele ukwenza enye iminyaka emihlanu kwindawo enye.

Intlawulo yezenhlalakahle kwiintsapho ezincinci

Abatshatileyo abangazange bafikelele kwiminyaka engama-35 banelungelo lokukhupha isibonelelo ngaphakathi kwe-35% yeendleko zezindlu, kunye nosapho olunomntwana omnye-40%. Izindlu mazihambelane nomgangatho: 18 metres square. M ngelungu lentsapho. Ubuninzi bobudala bomtshato bobabili beminyaka engama-34. Intsapho kufuneka ibhaliswe kwirejista yezindlu, kwaye ibe neyona mali ingaphezulu kwexabiso le-mali enikezelwa phantsi kweprogram ye "Social Mortgage".

Ndingafaka phi isicelo sokwenza isicelo sokubhalisa isibonelelo? Kulawulo lommandla wengingqi. Ukuba isigqibo sinokuthi, inxaxheba isinike isatifiketi esikhethekileyo, kwaye isibonelelo sidluliselwa kwi-akhawunti yebhanki yebhanki.

Ukuhlawula abantu abatsha

Amajoni amaqela ekwakhiwa kwabafundi, asebenze ukutshintshisa ama-150, angafaka isicelo sokubambisa imali kwiindleko zezindlu. Ezi zihlandlo ezithathu zibiza ngexabiso lemarike. Iinkcukacha ezingakumbi zifumaneka kwiwebhusayithi yombutho kawonkewonke "amaqela ase-Russian".

Imali yentengo yezenhlalakahle eKazzan ekuzalweni komntwana

Ukunciphisa umthwalo wemali kwintsapho, inkqubo yelizwe inika intlawulo ngeefowuni. Kuxhomekeke kwindleko yokuqala yezindlu, inani legalelo eliqokelelwayo kunye nenani lemali ngeniso. Ngaphantsi kwemiqathango yenkqubo, ukuba umntwana uvela kwintsapho emva kokubhaliswa kwemboleko, ufumana isinxephezelo sempahla esilingana neendleko zeemitha ezili-18 zeemitha. M wezindlu ezithengiweyo. Kodwa le mali ayinakugqithisa inxalenye engayikhokhelwa ityala.

Indlela yokufumana imali yentlalo

Ukufaka isicelo semboleko, kuyimfuneko ukungenisa isicelo kunye neikopi zala maxwebhu ebhankini:

• Passports;
• SNILS;
• INN;
• Ithikiti yezempi;
• Isiqinisekiso sokuzalwa somntwana;
• Amadokhumenti kwimfundo;
• Izatifikethi zomtshato / zomtshato;
• Incwadi yomsebenzi (umqeshi makaqinisekise);
• Iingxelo zemali.

Ukongezelela, unokufuna:

• Isiqinisekiso sokubhalisa.
• Iikopi zeepassports zezizalwana.
• Izatifikethi zomhlalaphantsi zabazali.
• Iziqinisekiso zokufa kwezihlobo.
• Amaphepha eqinisekisa ukuba kukho enye indawo (i-dacha, imoto, umhlaba, i-securities, njl.).
• Ukuhamba kwama-akhawunti kwiibhanki kwiinyanga ezintandathu ezidlulileyo.
• Imibhalo eqinisekisa umlando weentengo zemboleko: ikopi yentlawulo kwiibhili zesebenzisiweyo kwiinyanga ezi-6-12 zokugqibela; Izivumelwano zemboleko.

Kanye kunye neikopi ngexesha lokungeniswa, kufuneka unikezele okokuqala.

Ukuba umboleki wesikhathi esizayo ungumnini-shishini, ngoko ke kuyimfuneko ukubonelela ngamaphepha ebhankini eqinisekisa ukuzinza nokuguqulwa kwentuthuko. Ukusuka kwi-IP kuya kufuna isitifiketi sokubhalisa, ilayisenisi yokuqhuba imisebenzi, amaxwebhu aqinisekisa ukuhlawulwa kwemali, iingxelo zeakhawunti, iikopi zezivumelwano zokuqeshisa, njl njl.

Abangewona abahlali abasebenza kwintsimi yeRussia Federation kufuneka banikeze ikopi yemvume yokuhlala kunye nemvume yokusebenza.

Emva kokuhlaziya amaxwebhu, ibhanki yenza isinqumo sokuqala. Ukuba kulungile, umxhasi angakwazi ukuqhubeka nokukhethwa kwento ethile yokuhlala. Kufuneka ihlangabezane nemiqathango yenkqubo. Emva kokukhetha umboleki kufuneka aqokelele amaphepha eencwadi ekuhlaziyweni kwezindlu.

Inkqubo eqhubekayo

Ngokusekelwe kwisixa esilinganiselwayo sezindlu sakha umda weekhredithi. Ayikho ngaphaya kwe-80-100% yale nani. Ekubeni i-mortgage yenhlalakahle e-Kazan yinto edeleyo yokuboleka imali, ibhanki idinga ukuqinisekiswa ngendlela ye-inshorensi yemingcipheko yokulahleka kobuchule, ubunini okanye ukulimala kwipropati. Emva koko umthengi kufuneka asayine isivumelwano kunye nebhanki. Ngefomu yayo umboleki angakwazi ukuqhelana kwangaphambili kwinqanaba lokuqokelela amaxwebhu. Kwezinye iimeko kukho imfuneko ukutyikitya isivumelwano sokuthengisa, apho i-mortgage ilandela umthetho. Ukongezelela, kuyafuneka kwakhona ukukhupha imali-mboleko-inqabileyo enika umbolekisi ilungelo lokufumana umbopheleleko. Inkqubo yokubhaliswa kwamaphepha kunye nokubhaliswa kobuso iya kufikelela ekupheleni. Nantsi indlela yokufumana imali yokuthenga imali.

Isiphelo

Urhulumente kwisiseko seenkqubo ezikhethekileyo ivumela ezinye iindidi zabemi ukuba zithenge indawo yokuhlala kwikhredithi. Imboleko inikezelwa iminyaka engama-28 kwi-7% ngonyaka, ngaphandle kokuba umntu angahlawula intlawulo yokuqala. Ukuthatha inxaxheba kwinkqubo kufuneka ubhalise kunye nokulawulwa kolawulo lwesithili kunye nokuqokelela ipakethe yamaxwebhu.