Indlela yokufumana inkxaso-mali yokuthengwa kwezindlu?

Iinkxaso zokuthengwa kwezindlu zaseRashiya ziyafumaneka malunga nentsapho. Kwanele ukwazi kakuhle indlela oku kwenziwa ngayo. Ngelishwa, kuninzi iphepha apha. Kodwa ukuba ukhathazeka ngokuzenzela nokukhulula amanye amaxwebhu ngaphambili, unokuphumelela ngaphandle kweengxaki. Ukongezelela, kwiimeko ezithile kunokwenzeka ukuba ufumane indlu okanye indawo yehlabathi ekhululekile. ERashiya, olunjalo uncedo lunikwa kubemi. Ukusuka kubemi, kukho izinto ezimbini ezifunekayo-ukuthotyelwa kweemeko zenkqubo zoncedo ezahlukeneyo kunye nokuqokelela iipokethi ezipheleleyo.

Ngubani onelungelo

Isinyathelo sokuqala kukufumanisa ukuba ngubani onelungelo lokufumana isibonelelo sokuthengwa kwezindlu. Akunabo bonke abantu abanethuba elinjalo. Ezinye izakhamuzi akufanele zithembele kuncedo lombuso kwimiba eqwalaselwe.

Ngoku e-Russia kukho iinkqubo ezahlukeneyo zokunika inkxaso abantu, oko kunceda ukuthenga izindlu kunye nomhlaba wokwakhiwa kwezindlu. Kodwa inkxaso yombuso ingaba:

• Iintsapho ezinkulu;
• Abasebenzi baseMpi;
• Ba sebenzi;
• Abo bafuna ukuphucula izimo zabo zokuphila zangoku;
• Iintsapho ezincinci.

Kuvela ukuba akuwona wonke umntu unelungelo lokuxhaswa ngokukhululekile. Kwimeko nganye, iimeko ezithile kufuneka zigcinwe. Ngaphandle koko, iindidi ezingentla apha ziza kuba nethuba lokufumana inkxaso-mali.

Umkhosi

Okokuqala, sifanele siwaqwalasele abo bamkeli njenge-servicemen. Babehlala benikwa indawo yokuhlala, kungekhona imali yokuthenga indlu yabo. Kodwa umgca ungalinda amashumi eminyaka. Ngoko ke, inkxaso-mali yokuthengwa kwezindlu ikhutshwa ngoku. I-Servicemen iyadingeka ukuba ihlangabezane neemfuno ezimiselweyo. Zibukeka ngathi:

1. Intsapho yasemkhosini ayifanele ibe ngowomnini wezindlu.
2. Ukuba kukho indawo yokuhlala kwindawo leyo, kufuneka ibonwe ngokungayihambelani nemimiselo emiselweyo, okanye encinane kwiseli yoluntu.
3. I-serviceman kufuneka ibe nobudala beeminyaka. Kudinga ubuncinane iinyanga ezingama-36.

Mhlawumbi, ezi ziyimfuno ezibekwa phambili eRussia kumkhosi. Iinkxaso zokuthengwa kwezindlu ze-servicemen zingachithwa kuphela kwizindlu. Emva koko, ummkeli uya kunikwa isatifikethi, akunakwenzeka ukuba akhuphe. Kodwa ingasetyenziswa xa kugqiba ukuthengiselana. Sisebenzise inkxaso ngeendlela ezintathu:

• Ukuthengwa kwezindlu zaseprayimari okanye ezisekondari;
• Ukuhlawulwa kwemvumelwano yesivumelwano somboleko;
• Ukuthenga indlu.

Imibhalo yomkhosi

Kufuneka kukhunjulwe ukuba xa kufumana inkxaso-mali yokuthengwa kwezindlu kubalulekile ukuzisa ipakethe encinane yamaxwebhu. Le nkqubo ithatha ixesha elide. Kwaye kuthathwa ngokuba yinto enzima kakhulu. Umkhosi kufuneka uhambe kwi-city management administration kunye nephakheji elandelayo yamaphepha:

• Isicelo soncediso lwemali;
• Izatifikethi eziqinisekisa ukungaqiniseki kwezindlu ezikhoyo zokuhlala (ukuba kukho indawo yokuhlala yokuhlala kwipropati);
• Amaphepha eqinisekisa zonke iintsapho zamalungu entsapho emkhosini (isatifiketi somtshato, ukuzalwa kwabantwana);
• Isicatshulwa kwincwadi yendlu;
• Ithikiti yezempi;
• Amakhadi e-Identity kuwo onke amalungu omndeni asele aphethe iipaspoti;
• Izatifikethi zomtshato (ukuba zikhona);
• Isicatshulwa kwifayili yomntu;
• Iinkcukacha ze-akhawunti apho iimali kufuneka zihanjiswe khona;
• Isivumelwano somboleko okanye isivumelwano sokuthenga indlu (ukuba kukho).

Emva kokuqwalaselwa kwimeko, umkhosi uya kufumana isatifiketi esibandakanya inxalenye ethile yexabiso lepropati. Isicelo sithatha malunga neentsuku ezingama-30 ukususela kumhla wesicelo.

Abasebenzi bakaRhulumente

ERashiya, inkxaso-mali inikwe kwakhona kubasebenzi bakarhulumente ngokuthengwa kwezindlu. Kule meko, kufuneka kwakhona uqhagamshelane nolawulo lweedolophu. Kakade, akubona wonke umntu unelungelo lokunceda ekuthengeni izindlu. Kodwa kuphela:

• Abasebenzi boLawulo loMongameli;
• Abasebenzi bakaRhulumente beeRF;
• Abantu basebenza kwiBhunga loKhuseleko kunye namaqela alo;
• Abaqeshwa basebenza kumabhunga omthetho aseburhulumenteni;
• Abasebenzi beenkundla;
• I-ofisi yomtshutshisi.

Kuzo zonke iindidi ezidwelisweyo zabantu iimfuno ezithile ziyafakwa phambili. Kuphela ngokugcina kwabo inkxaso yendlu yokufumana izindlu kunikwa nguRhulumente. Iimeko zilandelayo:

1. Ukungabikho kwezindlu zangasese kummkeli. Iipropati zezihlobo nazo ziqwalaselwa.
2. Umqeshwa karhulumente akayikhontrakthi yokuqeshisa ikhaya, kwaye ukuba ukhona, indawo yendlu ingaphantsi kweemimiselo ezisungulwe kumntu ongu-1.
3. Ukuhlala kwindawo engafanelekanga yokuhlala kwindawo yokuhlala (umntu okanye umqeshwa).
4. Ukuba umqeshwa waseburhulumenteni uhlala kwindawo yokulala okanye indlu yokuhlala.

Kufuneka kuqatshelwe ukuba amagosa anabantwana abangaphantsi kwe-3 abancinci abakwaziyo ukufumana imali xa bethengwa izindlu. Kuphela ngexesha elifanayo kufuneka bahlale kunye kunye nombutho wabasebenzi. Banokuba ngabaphi na abahlobo abasondeleyo, ngokuqhelekileyo iqabane.

Amadokhumenti kubasebenzi bakarhulumente

Ukuxhaswa kwabasebenzi baseburhulumenteni ukuthengwa kwezindlu kunikwa malunga malunga nomgaqo ofanayo. Nangona ubukhulu beentlawulo zifana. Kodwa uludwe lwamaphepha alufani. Ukuba ngumbuzo wokufumana uncedo xa uthengwa izindlu ngabasebenzi baseburhulumenteni, ukulawulwa kwesi sixeko kuyakufuneka ukuzise:

• Isicelo sesicelo;
• Amakhadi e-Identity kuwo onke amalungu omndeni;
• Izatifikethi zokuzalwa kubo bonke abantwana abancinci (kunye nabantu abadala abahlala nabazali babo);
• Ikopi yeakhawunti yezimali;
• Isicatshulwa kwincwadi yendlu;
• Izatifikethi zobunikazi bezindlu;
• Amaphepha aqinisekisa ilungelo lokufumana indawo yokuhlala eyongezelelweyo (kunye nobude benkonzo);
• Yenza incwadi yokurekhoda;
• Isiqinisekiso somtshato.

Ukuba ngumbuzo wokuthenga indlu (indlu) phantsi kwemeko yesivumelwano esikhoyo sokuqeshwa kwezindlu, isivumelwano sihlinzekwa kunye nolwahlu lwamaphepha adweliswe ngasentla. Ukuba indawo yokuhlala ayifanele indlu, izikhokelo ezifanelekileyo zifakwe kwisiqulatho. Wonke amaxwebhu makangeniswe nje kuphela, kodwa kunye neikopi. Ukwaziswa okungafunekiyo.

Abantwana abanabantwana abaninzi

Ukunika inkxaso ngemali yokuthengwa kwezindlu zeentsapho ezinkulu kuyinkqubo ende. Kodwa kaninzi iiseli zoluntu zinikezelwa ngezindlu ezingenamakhaya ngokupheleleyo kwimiyalelo yesigcawu okanye isiqendu somhlaba. Bonke abavumelani kule nto. Emva koko, inkxaso-le nto leyo inikwe ngokukhawuleza kunezindlu okanye umhlaba. Okwangoku, iintsapho ezinabantwana abaninzi abanabantwana abathathu okanye abangaphezu kwenkathalo yabo bayabonwa njengabantwana abaninzi.

Abemi kufuneka bahlangabezane neemfuno:

• Ukufumaneka kwemali eyaneleyo yokuhlawula izindlu (kuxhomekeke kwinani lamalungu entsapho);
• Izindlu kufuneka zibonwe njenge-decrepit, ezinganeleyo kumgangatho osisiseko wokuthuthuzela;
• Kuyakwazi ukufumana inkxaso-mali xa iimitha zesikwele zezindlu ezifakwe ngumntu zingaphantsi kwezona zinto zinyani;
• Ubuninzi be-3 okanye abantwana abangaphantsi (abantwana abamkelweyo baqwalaselwa);
• Ubumi beRussian Federation kuwo onke amalungu entsapho.

Amaxwebhu abemi abamele banikezele ekulawuleni ahluke kakhulu kuwo onke amacala adlulileyo. Kufuneka ukuba kuqokelelwe iphakheji leemfanelo, ezibandakanya:

• Amadokhumenti kumalungelo epropati yezindlu eziphathekayo kuwo wonke amalungu entsapho;
• Amakhadi olwazi lwabemi;
• Isicelo sobonelelo;
• Iziqinisekiso zomtshato kunye nokuzalwa kwabo bonke abantwana;
• Isicatshulwa malunga nokubunjwa kwentsapho;
• Isivumelwano sokuthengiswa kwezindlu okanye isivumelwano sokuthenga imali (ukuba kukho);
• Ulwazi malunga nomvuzo wabo bonke amalungu eseli yoluntu;
• Amaphepha aya kuqinisekisa imfuno yeemeko zezindlu ezingcono.

Umthamo weMaternity

Kwinqanaba elithile, inkxaso-mali yokufumana ukuhlaliswa kwezindlu yinjongo yokubeletha. Le ntlawulo iboniswa ngemali eninzi kakhulu, engasetyenziselwa kumntwana okanye kwindawo yokuhlala yokuhlala. Ngoko ke, inkqubo yokufumana matkapitala nayo ayifanele ingayinakunyuswa.

Ngokungafani neemeko zangaphambilini, intsapho ayifanele idibene nenani elikhulu leemfuno. Imfuneko yodwa yokufumana i-capital mother-maternity isithuba se-2 okanye ngaphezulu abantwana. Isixa sokuhlawula asixhomekeke kwinani labantwana, lichanekile. Kwaye unokufumana inkxaso enjalo kuphela.

Le nkxaso inikwe kwiNgxowa-mali yePenshini yaseRashiya kummandla ngamnye. Abazali mabazithumele amaxwebhu alandelayo kumbutho ochaphazelekayo:

• Izatifikethi zokuzalwa kubo bonke abantwana;
• Amaphepha eqinisekisa ukuthotyelwa okanye ukugcinwa (ukuba kukho);
• Isiqinisekiso somtshato;
• SNILS abantwana kunye nomfaki sicelo;
• Ukuchongwa komnye wabazali (bhetele kunezo zombini);
• Ifom yesicelo.

Olu luhlu lwamaphepha lufakwe kwi-FIU. Akufanele lilibale ukuba abemi bayadingeka ukuba bandise iikopi zamaxwebhu. Ngokubuyisela, isatifikethi sikhutshwe. Yaye ingasetyenziselwa ukuphucula imeko yokuphila.

Iintsapho ezincinci

Izibonelelo zezindlu zokuthengwa kwezindlu nazo zinikezelwa kwiintsapho ezincinci. Ngenxa yoko, kukho inkqubo yenkxaso. Ibizwa ngokuba "Yintsapho Entsapho". Ukuze ufumane inkxaso enjalo, uya kufuneka:

• Ukuba khona kwabatshatileyo abangazange bafikelele kwiminyaka engama-35;
• UkuSungulwa kwabemi (imali eyaneleyo yokuhlawula imali eseleyo kwiindleko zezindlu);
• Ukungabi nobunini bendlu (okanye ukungafaneleki ukuhlala kwintsapho);
• Ubumi beRussia Federation;
• Ubuninzi babantwana (akunjalo, kodwa ngokukhethekileyo, benza lula ukwenza inkqubo).

Kwiprogram ethi "Intsapho," iintsapho ezingaphelelanga zinokuthatha inxaxheba. Eli thuba lifuna kakhulu. Isixa esifumanekileyo sisetyenzisiweyo ekupheleni kwesivumelwano sokuthengwa, okanye njengoko isibonelelo esiza kubandakanya inxalenye yemali yokuthenga.

"Ulutsha olutsha": amaxwebhu

Ukuthatha inxaxheba kule nkqubo, kuyimfuneko ukufaka isicelo, njengamaxesha amaninzi, ekulawuleni isixeko okanye isithili apho i-cell cell community resides. Uluhlu lwamaphepha alungelelananga nakwizinto ezikhethwe ngaphambili.

Yintoni eya kuthatha kwintsapho elutsha? Ukufumana inkxaso-mali yokuthengwa kwezindlu kunika:

• Amakhadi e-Identity of spouse;
• Amaphepha emtshato / umtshato (ukuba kukho);
• Ubungqina bokuzalwa kwabo bonke abantwana;
• Ulwazi malunga nokubunjwa kwentsapho;
• Iingxelo malunga nesimo se-akhawunti yabemi;
• Amaphepha afakazela ingeniso yabantu;
• Ulwazi malunga nokuqatshelwa kwezindlu ezingafanelekanga (ukuba kukho);
• Isicelo sokuthatha inxaxheba kwinkqubo;
• Isivumelwano semali-mboleko yokuthenga ngemali okanye ukuthengiswa kwezindlu.

Kufuneka izimo ezingcono

Izibonelelo zokuthengwa kwezindlu zinikezelwa kwiRashiya kubo bonke abemi abafuna iimeko ezingcono zezindlu. Uludwe lwamaphepha lufana nolu hlobo lweentsapho ezincinci. Kunikwa ukulawulwa kweedolophu. Inkxaso-mali (kwaye ngokuphindaphindiweyo izindlu zamahhala) kunikwa abantu ukuba:

• Indawo yokuhlala apho ummi uhlala khona, ayihambelani nentuthuzelo encinci;
• Ukuhlala kwindawo yokuxakeka kwimeko yokuxakeka okanye indlu / indlu, ezimisele ukudilizwa;
• Abantwana be-unisex abanamagumbi ahlukeneyo;
• Ukuphila nommi onesifo esithathelwanayo, esiyingozi (isib. Isifo sofuba, ukuqinisekiswa ngonyango kuyadingeka);
• Ummi kwihostlu unemiqathango engaphantsi kwemimiselo yamamitha ayi-square yezindlu.

Ngobuninzi boxhaswa

Ngomyalelo kunye neemeko zokubonelela ngenkxaso karhulumente, yonke into iyacaca. Umbuzo wokugqibela othabatha uluntu lukhulu lwesibonelelo sokuthengwa kwezindlu. Njengomthetho, kuxhomekeka kwiimeko ezininzi. Umzekelo, indima edlalwa yinani lamalungu entsapho kumhlali. Kodwa ngokuqhelekileyo, inkxaso-mali (abasebenzi bezempi kunye nabasebenzi baseburhulumenteni) bajonga malunga ne-70-80% yeendleko zezindlu.

Kwimeko yokuthatha inxaxheba kwiprogram ethi "Intsapho", yonke into iyahluke. Ukubalwa kwezibonelelo zokuthengwa kwezindlu kuyafana, kodwa inani elinikezelwe kumyinge lihlanganisa kuphela i-30% yeendleko. Bonke abanye baya kuhlawulwa ngokuzimela.

Kwaye ukuba sinokuqwalasela i-capital mother, ke ngoko akukho zimo zidlala indima kwinani lokuhlawula. Ifakwe kwisixa esicwangcisiweyo. Ngo-2015-2016, iintsapho zithola ama-ruble angama-453,026.