Mboleko yezindlu. Indlela ukufumana isibonelelo? Isibonelelo sezindlu Military

Lithetha ukuthini igama elithi "ngemali '? Yintoni inzuzo izindlu kwaye ukuba baza kwenziwa ntoni? Indlela yokwenza umnyinyiva xa intlawulo yeenkonzo eziluncedo zoluntu? Ukuba unomdla iimpendulo zale mibuzo - eli nqaku ubhekiswa kuni. Kuyo, siya kunika ulwazi oluyimfuneko malunga iinkqubo uncedo ekujoliswe kuzo inxalenye ezahlukeneyo zabemi kwaye ubonise indlela ukuzoba mali. Ukongeza, sichaza oko kuya kufuneka amaxwebhu ukulungiselela oku, yaye apho ukuya.

le nkcazelo

Phantsi inkxaso (lat. "Inkxaso") libhekisela uncedo ethile idilesi-mali enikwa ngurhulumente kwezinye, ubukhulu becala amahlwempu, labemi. It singabandakanyi kunikezelo kwemali, kwaye ikuvumela ukuba ufumane nasiphi na isibonelelo. Uncediso-iimpawu zezi:

• ngaphandle kwentlawulo ukubonelela ngenkxaso-mali;
• ubulungisa, nokuhlawulela inxalenye;
• , Uncedo ekujoliswe ezithile;
• ngeemali lwabiwo-mali.

Inkxaso-mali Russian, okt uncedo kubemi abo nemeko enzima zemali, oluqhutywa kwiinkalo ezahlukeneyo. Izibonelelo ukuvumela lulungisa ngokuyinxenye ixabiso lokuthenga lwezindlu kwimeko ezibalulekileyo zemali. mali eluncedo ukunceda abemi esezantsi anengeniso byi iinkonzo zamanzi, ukufudumeza, umbane kunye nabanye. Kwakhona, inkxaso kurhulumente abantu ukuya Far North, kwaye iintsapho abaselula basweleyo ngamandla ukuphucula iimeko zokuphila. Ngelishwa, asingabo bonke abemi ziyayazi into yokuba unalo ilungelo lokufumana isibonelelo uncedo ngexesha elinye. Makhe sibone, ukufumana uncedo njani evela kurhulumente, yaye yintoni na ke imithetho nokunikwa mali.

Amanyathelo ukunceda nokuxhasa iindidi ezisweleyo abemi

Urhulumente Russian ibonelela ngoncedo kwiintsapho kwimeko enzima zemali, kubandakanywa lokunika imali yokuthenga izindlu. Abamkeli-mali ezinjalo ndithanda ukuba abantu abahluphekileyo kunye ungakhuselekanga nasentlalweni - abantu abangatshatanga, ephantsi-ingeniso kunye neentsapho ezinkulu, abantu abakhubazekileyo kunye nezinye iindidi abemi, abanengeniso ephantsi kwe esekwe ngokusemthethweni kwenqanaba lokuphila ubuncinane. isibonelelo sezindlu Ukulungiselela kwenzeka kwi iimeko ezimbini: ukuqatshelwa usapho okanye abantu abahlala bodwa amahlwempu, yaye kukho imfuneko zasekwa ukuphucula iimeko zokuphila. Abahluphekayo abantu imali ngezantsi wemivuzo lezomthetho kummandla ochaphazelekayo. Yimeko ebalulekileyo kukuba abafumana ubunzima obukhulu mali hayi yeemeko ezingaphaya kolawulo lwabo. Ngokomzekelo, intsapho abuyikuthathwa abasweleyo ukuba amalungu ayo eyomeleleyo ukusebenzisa iziyobisi okanye uphethwe ubunxila kunye ngoko azisebenzi.

Ingcaciso yosapho kumthetho wangoku Russian Federation

Kufuneka kuqatshelwe ukuba indlu yowiso-mthetho le-Russian Federation phantsi usapho libona iqela labantu abahlala kunye abaza kuba indlu eqhelekileyo yaye usoloko yabhalwa na iqondo nomini, ezisemthethweni ngokwemiqulu. Phantsi Code osapho i-Russian Federation ukuya amalungu entsapho ziquka amaqabane, abantwana kunye nabazali, kwakunye nabantwana kwamkelwa kunye nabazali. Oku kuthetha ukuba intsapho zizakujongwa njengo umzali ukukhulisa umntwana, isibini esitshatileyo kungekho bantwana okanye ukuba kwiiwadi eyamkelweyo. Kwimeko yokuba umtshato yabhaliswa ngokomthetho, kodwa amalungu baphila ngokwahlukeneyo kwaye baphile indlu eqhelekileyo, usapho, abanako ukuqwalaselwa, kwaye ngenxa yoko abafanelanga kufumana uncedo ngokohlobo mali yezindlu.

Siza kuqinisekisa ixabiso kwezibonelelo

Le amaholo uchazwa inqanaba elincinane yengeniso, kuyimfuneko ukuqinisekisa imigangatho yokuphila eqhelekileyo. ERashiya, ixabiso layo libalwa qho ngekota, kwangaxeshanye zithathelwa ngobozini-akhawunti zeempahla kunye manani kumaxabiso okutya, iimveliso non-ukutya, kwakunye neendleko kunye neenkonzo iimali eziyimfuneko kunye neentlawulo. Kwiingingqi ezahlukeneyo Russia inqanaba subsistence ungahluka. Kuyinto ebalulekileyo ngokunjalo ukuba iindidi ezahlukeneyo yabemi - abemi yokusebenza ubudala, abantwana kunye nabadla umhlala-phantsi - lifakwe ngokwahlukeneyo. Xa kumiselwa usapho esezantsi anengeniso ukwenza le nkqubo ilandelayo. ixabiso Regional ubuncinane umiselwe kwikota yokugqibela kwezibonelelo. Okulandelayo, thelekisa kunye ingeniso avareji ngamnye amalungu entsapho (okanye ngumntu omnye), efunyenwe kwiinyanga ezintathu zokugqibela, leyo kwakhokelwa unyango ekukhuseleni zentlalo yabemi. Zonke iintsapho imali esongezwa umahlule ngo-3, isiphumo ifunyenwe yi avareji imali yengeniso ngenyanga nganye. Okulandelayo, umphumo wahlulwe inani lamalungu osapho. Ukuba capita inani ingeniso ngalinye endibufumeneyo engaphantsi kobuncincane sokutya, ngoko, le ntsapho unesizathu esihle ukufumana iwonga oswele emva kokuba isibheno ukhuseleko loluntu yabemi.

Thina ukufumana iwonga lentsapho osweleyo

Ukuba kuthathelwe ingqalelo kwezo ntsapho zinengeniso esezantsi kufuneka zithunyelwe kwiSebe leeNkonzo zoLuntu noNciphiso. Kwizixeko ezikhulu wamaziko anjalo zoncedo loluntu kunye nenkxaso usebenze kwisithili ngasinye. Xa yokuphatha kuyimfuneko ukunika iphakheji amaxwebhu, kubandakanywa:

• ipaspoti;
• Isiqinisekiso Inn;
• isiqinisekiso somtshato;
• Isiqinisekiso sokuzalwa somntwana;
• isatifiketi sobhaliso ahlala kuyo;
• iziqinisekiso kunye namanye amaxwebhu ukuba akwazi ukuqinisekisa izinga ingeniso;
• Amaxwebhu Property (isiqinisekiso cadastral, ubungqina bobumnini obulolo).

Eziphikisana onke amaxwebhu ayimfuneko lingakhankanywa kwi website esemthethweni igunya ukhuseleko loluntu okanye ngqo kwi kwisiza. Kwimeko zonke ukwanelisa isicelo iikopi iziqinisekiso emva kweentsuku 10-30, usapho, uya kwaziwa ukuba amahlwempu.

Senza-mali yezindlu

Emva kokufumana ngesimo "amahlwempu", ungaqalisa ukuyila mali yezindlu. Kufuneka ukuphucula iimeko zabo zokuphila ukuze mayaziwe amalungu osapho ukuba ubuncinane omnye wale miqathango ilandelayo uzalisekisiwe:

• usapho ongakuthandiyo bemiyo phezu kwimvumelwano yentlalo sengqesho;
• usapho akukho impahla nendawo yokuhlala;
• igumbi, apho kwakuhlala amalungu entsapho, ngokusesikweni ingqalelo ngenxa yonxunguphalo;
• kunye nosapho ohlala abantu abagula kakhulu ukuba isifo esinganyangekiyo (umz, tuberculosis);
• usapho indlu, kodwa ubuncinane indawo imilinganiselo ilungu khange ahlonelwe.

Indlela ukufumana isibonelelo? Okokuqala, kufuneka ukunika iphakheji yamaxwebhu kwisebe-mali yezindlu - igunya lendawo. Njengomgaqo, kufuneka azise yokundwendwela, isiqinisekiso endlwini kunye BTI, isiqinisekiso nesamagumbi cadastral kunye nobhaliso, leyo ukuqinisekisa ukungabikho / ubukho yezakhiwo kule propati. Emva Jaji ikhomishini kwiintsuku ezingama-30 liya kwenza isigqibo malunga imveliso okanye ubhaliso iintsapho abafuna iimeko ezingcono zokuphila. Ukuba sigqibo ulawulo liya kukhupha uxwebhu labele iqela efolisiweyo. Ngoku kufuneka ndilinde kuphela (ngelishwa, le ukulinda ingathatha naphi na ukusuka kwiinyanga ezintandathu ukuya kwiminyaka elishumi okanye ngaphezulu). Nangona kwezinye iimeko kusenokwenzeka ukuba ufumane kunye mali yezindlu obungaqhelekanga. Oku kusebenza abantu bathwaxwa izigulo ezinzulu kwaye abadinga a izindlu eyahlukileyo, kwaye behlala izakhiwo ezingakhuselekanga abekho phantsi ukuze izilungise ngokutsha.

Sifumana imali yokuthenga izindlu ezintsha banzi

mali yezindlu ekufuneka zihlawulwe zibonelelwa kuphela transfer bank. Isixa eya kunika ulawulo wesixeko, iya kuxhomekeka kwixabiso eliphakathi m² 1 nendawo eziphilileyo, ukususela udidi kwindawo kusapho inani elithile labantu, kwaye inani leminyaka badlula ukusukela ngexesha lobhaliso. Kufuneka kuqatshelwe, ongowona zesixa sesibonelelo ayidluli-70% yeendleko kwezindlu. Ngokuqhelekileyo, imali eyabelwe umzi, akwanelanga ukuba kuthengwe izindlu, ngoko kule meko kufuneka ukuthengisa isithuba ekhoyo yokuhlala kwipropati, yongeza imali kulondolozo zobuqu okanye uthathe imali-mboleko mboleko. zindlu ingasetyenziswa iinyanga ezintandathu ukusuka isiqinisekiso irisithi. Thumela imali kuba kuphela ukuphucula iimeko, oko kukuthi, ukuthenga zokuhlala ezintsha, ukwakhiwa kwendlu (okanye ukwanda kwindawo yayo ngenxa yemisebenzi zokwakha), kwakunye intlawulo kweentlawulo kwibutho yokwakha.

mali yezindlu iintsapho abatsha

Kwi-Russian Federation kwi-sikhokelo "Housing" yinto isebenza phantsi igama lodweliso lwenkqubo 'Housing iintsapho abaselula. " Oku kubandakanya unikezelo uncedo lwemali ukuze kufundiswe izakhono kumaziko izibini eziselula. Ukuze ufumane iziqinisekiso yezindlu phantsi kwale program, kufuneka ube kwale miqathango ilandelayo:

• ubudala amaqabane (okanye omnye wabalingane, ukuba usapho olunye-umzali) mayingagqithi iminyaka 35;
• usapho phezu akhawunti ukuphucula iimeko zokuhlala;
• usapho kwinqanaba yengeniso ikuvumela ukuba uhlawule iindleko intsalela kule ndlu.

Ukwenzela ukuba iintsapho abaselula le program kuya kufuneka ukuba zinike amaxwebhu kwisebe-mali yezindlu - igunya lendawo. Akudingi isicelo ngenjongo yokufakwa kule program yaye ukunikwa mali (2 iiPC.), Le yokundwendwela amalungu entsapho, isiqinisekiso esivela BTI, iRejista State enobunye engqina ukuba usapho kufuneka ukuphucula iimeko zezindlu kwaye engenayo kwipropati ezithengiswayo. Kwiintsuku ezili-10 emva kokuba kungeniswe onke amaxwebhu ayimfuneko kwiKomishoni ukuqwalasela, uze emva koko ikhuphe isigwebo kwi ukuqukwa / non-ukubandakanywa yeentsapho abaselula kule program. Yaba neziphumo ezincumisayo ze isibini esitshatileyo ngokulandelelana kwazo uyakwazi ukufumana isiqinisekiso yezindlu.

servicemen isibonelelo sezindlu. Ukunceda amagqala kunye invalids

Uncedo Russian mali yokuthenga izindlu inikwa nje kuphela kumakhaya ahluphekileyo kwaye abaselula. Ikhutshwe ezamahala isibonelelo sendlu servicemen wayindulula (ugxothwe), ubude ogama le nkonzo iminyaka eli-10 okanye ngaphezulu, ukuba awunayo ubunini ndawo kunye nemfuno eyaziwayo ukuphucula iimeko zabo, yaye ngokuxhomekeke kunikwe kweenkampu zomkhosi ivaliwe kunye nohlobo eyahlukileyo. Inkxaso-mali ye emkhosini yi-80% yeendleko kwezindlu (norm isikwere zentlalo). Lo gama enye i-20% yabemi kufuneka ukuba ahlawule imali zabo okanye uthathe imali-mboleko. isibonelelo sezindlu Military, ukuba amava emsebenzini ngaphezu kweminyaka engama-25, lunikiwe mali ka-100% sokuthenga ekhaya. Ukuze kubalwe le mali yoncedo kusetyenziswa norm kwentlalo kummandla lilonke impahla: 33 m² - ukuba umntu omnye, 42 m² - intsapho kwamalungu amabini kunye m² 18 Umntu ngamnye intsapho abantu abathathu okanye ngaphezulu. Ukongeza emkhosini, urhulumente uthathela unonophelo amagqala kunye nabakhubazekileyo. Akunamsebenzi ngoyaba urhulumente Russian nakubemi abasebenza kwicandelo likarhulumente. Kwakhona unalo ithuba yokufumana inkxaso-mali yokuthenga izindlu ngokulandelelana.

mali eluncedo

Ngenxa yoko, inkxaso yesondlo - ntoni na? Inyaniso yokuba banomvuzo ophantsi angafaka isicelo nje kuphela ukufumana ngexesha elinye-nkam. Kubo, i-Code Housing ubonelela izibonelelo ukuze ahlawulele eziluncedo kunye zokuhlala. mali eluncedo zinikwa kwimeko ukuhlawula iindleko indlu, amanzi, ubushushu, njl ngaphezu kwe-22% yengeniso epheleleyo amalungu entsapho. Ukubalwa isibonelelo kwenziwa ngokungqinelana nemigangatho lwengingqi. Abemi elisezantsi imali-uyakwazi ukufumana iinzuzo ezifanayo ngokuqhagamshelana mali yezindlu iziko - umzimba zokukhusela intlalo yoluntu.

Inkxaso-mali eya ipenshini ziya kubonelelwa xa kunokwenzeka ukuba abemi Russian Federation, ubhaliso zokuhlala, kunye nesabelo yentlawulo yokuhlala kunye neenkonzo kune-22% yeendleko. Kubalulekile ukukhumbula ukuba senkxaso-mali siya sifumaneka xa ukuba abemi akukho tyala ukuhlawulela iinkonzo eziluncedo zoluntu kunye rent. abantu abahluphekayo ukufumana izibonelelo kufuneka alungiselele amaxwebhu ayimfuneko: isicelo mali, yokundwendwela, isiqinisekiso ukwakheka usapho, isiqinisekiso ubunini okanye amanye amaxwebhu engqina ubunini izindlu ngenxa yomthetho, ingxelo imivuzo kwiinyanga ezi-6, iikopi zeencwadi irekhodi yengqesho, isiqinisekiso inshorensi, irisithi yentlawulo umbane negesi iinyanga ezi-6, kunye nabanye. lungise uluhlu lwakho amaxwebhu afunekayo kunokuba ngqo amalungu inkxaso yoluntu.