Ukuthenga ikhaya capital umzali: amaxwebhu, izibonelelo. Mboleko yokuthenga indlu phantsi capital sikanina

inkxaso State njengenkunzi umzali a kunika ithuba lokuba iintsapho ukuphucula iimeko zabo zokuhlala, ukuze bafumane mboleko nemihlaba (mortgage) ukuhlawulela imfundo yabantwana hayi kuphela. Ukuba alahle yemali eyabelwe kangangoko kunokwenzeka emva kokuba umntwana efikelela kwiminyaka emithathu. Phambi kweli xesha, kukho amathuba ukusetyenziswa yokuqala isiqinisekiso usapho ukwenza intlawulo yokuqala kwi-mboleko / zokubambisa kwipropati yokuhlala okanye ukuhlawula ityala eseleyo kwi-mboleko ezikhoyo, nto leyo nayo ekhutshelwe nokufumana izindlu. Ukuthenga ikhaya capital ngosana - a lula yaye ngokufuthi iintsapho kwendlela kuphela athenge okanye bambambe iimeko zabo zokuphila. Ngeendlela ezininzi, le nkqubo karhulumente inkxaso kwandiswa kude kube ngo-2018.

Ukuthenga ikhaya capital umzali: Iimeko

Thumela isiqinisekiso usapho kuthetha kunokwenzeka ukuba uthenge ezithengiswayo. Ngowe-2016, esi sixa-mali singaphezulu kwama-450 amawaka engange. Njengazo naziphi na ezinye isiganeko, ukuthenga ikhaya phantsi capital sikanina uneempawu zawo kunye bokuqonda, nto leyo eza kuxoxwa kamva.

1. Indlu kufuneka ukuba naphaya ukuze ndihlale na ixesha lonyaka kufuneka amaxwebhu afanelekileyo ukungqina oko. "Dacha" iinketho aziyi kusebenza - yokuthenga izinto zokwakha okunjalo ukutsala inkxaso kurhulumente.
2. Ilizwe apho iqhele indlu, kufuneka zihlelwe 'umhlaba zokwakha ngamnye. " Kungenjalo, ukuba bafumane inkxaso evela kurhulumente ukuze bathenge le ikhaya liya ayinakuphikiswa.
3. Ngokuncama yenkxaso karhulumente awukwazi ukufumana umhlaba zokwakha elizayo indlu yokuhlala. Ekubeni isabelo ungenanto ayikho ezifanelekileyo ebomini, ngoko ithathwa yokuthengwa kwakhe njengoko akunakwenzeka ukuba ukuphucula iimeko zokuphila
4. Ukuze ukuthenga indlu yokuhlala phantsi capital ngosana kuyenzeka, kufuneka kubekho isivumelwano sentengiso nomnini yangoku.
5. kufuneka ahlukane bathenga indlu libe zizabelo phakathi onke amalungu entsapho. Ukuze kukhuseleke nomnqweno wabo hlula ipropati kufuneka notarize le isibophelelo nokubonelela ngayo kunye namanye amaxwebhu kule ngxowa-mali yomhlala-phantsi ekuhlaleni.

Apho ukuya kuthatha ithuba eyinkunzi umzali?

Enye imali yenkxaso karhulumente kokudlula kwi ukwahlulwa-mali yomhlalaphantsi. Apho kufuneka abonisane, bethabathe naye uluhlu lwamaxwebhu, ezidweliswe ngezantsi. Nceda uqaphele ukuba, ngokuxhomekeke kwimeko nganye, unako ukuba awuyitshintshanga le luhlu. Iinkcukacha kufuneka icaciswe ngqo kwi nezembonakaliso RPF eluntwini.

Amaxwebhu kuba nokufunyanwa khaya usebenzisa capital lokubeleka

Ukuba ingxowa-mali yomhlalaphantsi yokuhlawula inxalenye yeendleko lwezindlu, kufuneka unikeze inani elifunekayo yezabelo. Intsapho kuya kufuneka kuqokelela la maxwebhu alandelayo ukuthenga indlu phantsi capital umzali:

1. Ukufaka isicelo kwifomu ngenxa (bagcwalise isicelo, ungenza phambili ngokungenisa ifom kwi website esemthethweni ye-arhente okanye isebe le-FIU).
2. uxwebhu ummeli usapho yesazisi, ofaka isicelo kunye ikopi yolu xwebhu.
3. SNILS.
4. Isiqinisekiso yenkxaso karhulumente.
5. izatifikethi zokuzalwa zabantwana bonke kunye iikopi zabo.
6. Ikopi yesivumelwano ukwenzela ukuthenga ipropati yendawo yokuhlala.
7. Ikopi yoxwebhu ukuqinisekisa ubunini wathenga indawo zokuhlala.
8. Nceda ngolwazi malunga imali ekufuneka ihlawulwe ngokungqinelana isivumelwano sentengiso.
9. Uxwebhu kubameli esiqinisekisa ukuba ubhaliso izindlu ezithengiswayo Kucetywa ukuba kulo propati share jikelele.

Nale iseti yamaxwebhu kufuneka tyelela i-ofisi ye-mali yomhlalaphantsi kwi yokuhlala. Igama elithi wokuqwalaselwa esi sicelo akuyi kugqitha iintsuku ezingama-30.

Ukuthenga mboleko ekhaya ngoncedo nenkxaso karhulumente

Kwimeko ukuba ungasebenzisa nje kuphela imali yabo ukuthenga indlu yokuhlala, ungasebenzisa iinkonzo yeebhanki okanye amaziko ngetyala nokuba kukhutshwe imali-mboleko. Kwangaxeshanye, kubalulekile ukuba ngaxeshanye ukuba ayikwazi ukuba ibhanki iimali-mboleko kunye karhulumente inkxaso isatifikethi. Okwangoku, isatifiketi usapho xa usenza isicelo semali-mboleko zingasetyenziswa njenge intlawulo phantsi kwi-mboleko okanye imali uhlawule le-mboleko ebikho.

Xa ukwazi ukusebenzisa isiqinisekiso ukuze sithenge indlu?

Akukho mfuneko yokuba alinde de abe neminyaka emithathu ubudala - kuba ezinjalo ukusetyenziswa ekuqaleni ekhoyo imali eyabelwe ngurhulumente. Sebenzisa capital kubeleka njengoko intlawulo okokuqala kwi-mboleko kwi indlu isondlo kunokwenzeka, kodwa xa kusenziwa zicwadi kunzima kakhulu ukwenza. Ubunzima ephambili kuxhomekeke kwinto yokuba amaziko mncinane kakhulu ngetyala kunye zebhanki ukuba bakulungele ukwamkela njengoko intlawulo yokuqala kwimali isatifikethi. Nokuba bathe ukulawula ukufumana iziko lwemali ukufumana imali yokuthenga indlu phantsi capital sikanina, kusenokwenzeka ukuba inzala ephezulu kancinci kwi-mboleko kunokuba wenze intlawulo sokuqala ngezibonelelo. A indlela engcono kakhulu ukuba ukusebenzisa imali yabo ukuze ahlawule intlawulo phantsi kunye ulwalathiso unina eyinkunzi ukucutha imali etyalwa kwi-processing mboleko.

Loan phantsi capital ngosana ukuthenga indlu: isikhokelo Clerk

Kulo mzekelo, ikhangeleka isuntswana lula kwisekethe:

• kufuneka uqhagamshelane ibhanki okanye ngetyala iziko ukukhupha mboleko apho, esebenzisa imali yayo ukuhlawula isavenge sokuqala;
• bathenga indawo zokuhlala, wafumana uxwebhu esiqinisekisa ukuba ubunini ipropati le yokuhlala;
• uqhagamshelane ne-ofisi RF Pension Fund eluntwini ngenjongo yokubhala isicelo wokungenisa imali ukuba uhlawule inxalenye mboleko, ekuthe kuthengwe ekhaya kongxowankulu sikanina;
• ezifumana sigqibo emva kokuphonononga isicelo nokufumana ulwazi oluyimfuneko, kufuneka uqhagamshelane ibhanki ukucacisa amanye amanyathelo.

uphetha sigaba

Xa uphethe ingxowa-mali yomhlalaphantsi emva ukubhala ingxelo kufuneka zithathwe yonke mnye ngamaxwebhu ezidweliswe kwi "Amaxwebhu ukuthenga indlu kunye nokubandakanyeka karhulumente. inkxaso 'kwaye isivumelwano kunye ebhankini. Kufuneka kwakhona bafumane iziko lamatyala ingxelo ebonisa ubukho yetyala kunye nobukhulu bayo. Emva kokungeniswa onke amaxwebhu kwi-ofisi ye-mali yomhlalaphantsi ye-Russian Federation, kuyimfuneko ukuba alinde ngezigqibo zayo, njengoko kunjalo yokuqala, kuqwalaselwa kangangesithuba sexesha elingadlulanga kwiintsuku ezingama-30.

Ukuthenga ikhaya eyinkunzi umzali kuya kuthatha ixesha, kodwa usebenzisa uhlobo lwenkxaso karhulumente, kunokwenzeka ukuba uhlawule yinxalenye yetyala-mboleko yezindlu.