Impahla intela ebanjwayo for efulethini. Indlu e abatshelekayo: sokubuyiselwa imali yentela

Wathembela uma uthenga impahla intela ebanjwayo for the efulethini. It liqukethe izingxenye eziningana, kodwa lubonakala ngaso sonke isikhathi futhi esibalulekile. Ukubhekana kahle leli phuzu, kubalulekile ukuba uhlole izici zayo.

Uyini imali yentela?

Kukhona izingxenye ezintathu, zazo sokubuyiselwa imali yentela ngoba indlu yakhiwa:

1. Ukuze ukwakhiwa entsha noma ukuthengwa eseqedile ukwakhiwa kuyo Russian Federation noma isabelo esithile ezweni.
2. Ukubuya inzalo emalini ebolekwe athathwe, okuyinto Bavalelwe izinhlangano ezisebenza Russian Federation, noma osomabhizinisi yangasese.
3. Ukuze kuncishiswe inzalo emalini ebolekwe, okuyinto zithathwa emabhange, lapho inani wokwakha noma ukuthengwa siphelile izindlu ingxenye.

Inani imali yentela

I sokubuyiselwa imali yentela ngoba efulethini inani eliphezulu ungathola lapho uthenga ifulethi kuwufanele ruble 2 million. Uma isamba ukuthengwa Ngaphezu kwalokho, imali yentela namanje ibalwa kusukela ruble 2 million. Inani elikhulu nokudoswa singasetshenziswa njengoba inhlangano atholwe impahla olulodwa, futhi iqembu yabo.

Lapho ukuthenga loan abo izindlu iyothathwa, le imali yentela ngoba efulethini ibalwa kusukela inani eliphezulu ruble 3.000.000. Lesi samba engachithwanga ukuze sihlangabezane nezindleko ezihlobene yokufuna zokuhlala, futhi ukukhokhwa loan athathwe. Imikhawulo intela ebanjwayo osebenza loans ezathathwa ngemva 1 Januwari 2014.

Uma umuntu wentela, wathola zonke izinkokhelo akuzona ngokugcwele, ibhalansi imali uyakwazi ukuthola phezu okuvela ngamunye isikhathi intela esilandelayo.

Izindleko kulesi sibalo we imali yentela

Lapho ukwakhiwa entsha Kwenziwa noma bathenga impahla endlini siphelile, izindleko ezifana zinqunywa:

1. Ukwakhela imibhalo okuyiwona amaphrojekthi ayaqalwa futhi kubalwa izilinganiso.
2. Ukuthola izinto ezihlukahlukene ukuze kwakhiwe izakhiwo kanye nezinye izinhlaka.
3. Ukuthola izakhiwo, kucatshangelwa izimo lapho uthenge i izindlu sidle.
4. Ukubulawa ukwakhiwa kanye yokuqedela izakhi ukwakhiwa.
5. Inhlangano ukuxhumana umugqa ngokugcwele, okufaka kokunikeza ugesi, amanzi kanye negesi.

Ukubalwa intela ebanjwayo uma uthenga ifulethi

Inani inzuzo intela kuhlanganisa izingxenye ezifana:

1. Ukuthola indawo yokuhlala.
2. Ukuthenga amalungelo nendawo ethile endlini ukuthi ingakamiswa igcwaliswe.
3. Ukuthenga zonke izinto ezidingekayo ukuze kwakhiwe.
4. umsebenzi Finishing okuyinto kuzobandakanya ku-site atholwe kuphela izindlu. Futhi kulesi sigaba kuhlanganisa imibhalo design, ebheka isilinganiso lonke uhlu umsebenzi eyengeziwe ehambisana ne-nokuqedelela yokuqedela kwezakhiwo.

Ukuze acabangele inani imali yentela, okuyinto eza ekupheleni kwesakhiwo kanye ebhekene egumbini, kubalulekile ukuba ucacise esivumelwaneni abasenza sokushintsha ukuthengwa kwempahla, indlu awukaphothulwa. Nanoma iziphi ezinye izindleko ezingafakiwe ohlwini, e ukulungiswa imali yentela akunandaba. Uma udinga ezinjenge umkhiqizo, ukuthathwa ifenisha kanye nemishini enelanga, ukulungiselela yonke imisebenzi kudingeka, bese zonke izakhamuzi zinesibopho ukuthengisa ngemali siqu. Lapho uthenga i impesheni efulethini wenziwa, le imali yentela ibalwa ngokuzenzakalelayo kuphela uma umsebenzi akhe asebenzayo futhi umsebenzi ohlelekile.

I imali yentela alisetshenziswa kwezinye izimo

Amacala lapho imali yentela akuyona kubhekelwe:

1. Esimweni lapho nokukhokhwa ukwakhiwa noma izindlu ngomumo eyenziwe lwenziwe egameni umqashi noma omunye umuntu, inani ingxenye inhlokodolobha umzali noma ezezimali, ukuthi esabelweni sezimali.
2. Uma inkontileka eyejwayelekile ukudayisa amafulethi sisayindwe kwezihlobo, okungukuthi amaqembu ancikene.

Inani esiqondile imali yentela

Uma impahla u aluthola ku co-ubunikazi kuphela-January 1, 2014, inani imali yentela izokwabiwa ngokulinganayo phakathi abanikazi. Emva kwalesi sikhathi, leli lungelo ikhanseliwe. Impahla ebanjwayo zabelwe umnikazi ngamunye, kuye ngokuthi yiziphi ethile yezindleko ke usenzile ku yokufuna a impahla ethile.

Lapho abazali ukuthenga indlu nezingane, babenalo ilungelo lokwenqaba ukuya ukusatshalaliswa imali yentela phezu ingxenye, futhi ukuthatha inani eligcwele, uma iya emndenini owodwa. Ngezinye izikhathi kwakungenza ukuthengwa izindlu isivumelwano enana lokukhokha. Kulokhu, lo imali yentela is usabalalise ezicini zonke, njengoba ukuphela kwalesi sivumelwano akuyona ngokuphambene nomthetho, ikakhulukazi amalungiselelo Code Civil.

Impahla okuyinto bobabili kwabashadile ukuthenga emva komshado, waqaphela impahla yabo ngokuhlanganyela, ngakho udumo lentela azinikwa ngaphandle amagatsha. Kulokhu, isamba lihlukaniswe kwesivumelwano mutual.

Kanjani ukuze uthole imali yentela?

Ukuze uthole imali yentela, kumele ube wentela futhi afeze izinyathelo ezilandelayo:

1. Ukuya ekupheleni loluphelele isimemezelo, munye ngesimo 3-PIT.
2. Kulethe isitifiketi kusukela ezimali, okuyinto kumelwe uthathe indawo yomsebenzi. Ikhombisa imali oyitholile babanjiwe. It is ithuthukiswe kwifomu olulodwa 2-PIT.

Lapho kubalwa intela ebanjwayo for efulethini, imibhalo uzilungiselele ohlwini ezifana:

1. Isitifiketi kokuqinisekisa kokubhaliswa amalungelo endawo, okuyilona elidingekayo ukuze umuntu yokufuna ezimele njengoba eyakhelwe ngokugcwele yokuhlala ukwakha izindlu nezinye izakhiwo amaphrojekthi inqubo ukuphothulwa.
2. Inkontileka eqinisekisa ukuthenga welinye ifulethi noma igumbi, kanye nesenzo ngokudlulisela efulethini ngokugcwele noma esigxotsheni kuwo. Futhi isitifiketi efanelekayo kokubhaliswa amalungelo endawo. Lingqubuzana imibhalo kuyahlukahluka kuye ngohlobo lokuvumelana.
3. Lapho kwenziwe ukuthengwa sezwe saphansi ngokwakho isakhiwo zako, kufanele uhlinzeke isitifiketi sokubhaliswa amalungelo impahla, esihlelwe ngomumo kuphela ezweni kuluthola.

Amakhophi ezincwadi yokukhokha

Lapho kunakwe udumo yentela ngoba efulethini, imibhalo kufanele ngempela kuqoqwe futhi systematized:

1. Ukuqinisekiswa ukuthi abakhokhi bentela aluthola isakhiwo imali siqu. Ukuze wenze kanjalo, ukukhiqiza abanye ephepheni. Lena namarisidi ezahlukene, okuyinto bakhokhelwa pay-e amahlumela, isitatimende sasebhange, eqinisekisa ukudluliswa kweemali kusukela akhawunti ye umkhokhintela ukuba umdayisi; noma cash namarisidi; amathuluzi evidencing amaqiniso ukuthenga izimpahla ezithile ezivela ngabanye, okumele kwenziwe ukuze idatha ezidingekayo mayelana umdayisi - labo eziqukethwe iphasiphothi.
2. Yobufakazi obufakazela yokukhokha serviceable sokubolekwa kwemali noma inzalo enqwabelene phezu nesivumelwano sokubolekwa. Lesi sigaba sisebenza efulethini mortgage. Ukudoswa lentela ibalwe uhlelo olukhethekile. Uma cash namarisidi angekho, kuleso simo lezi zincwadi zingase kube izitatimende ethize, kanye ngesitifiketi esivela enhlanganweni okwakubekelwa wahlanganyela Ukukhishwa credit, ukuthi zonke inzalo ekhokhiwe. Lapho uthenga ifulethi Kwenziwa, idokhumenti yentela ebanjwayo (noma kunalokho, khona kwabo) inikeza lilonke.

Imibhalo ukuthengwa ezindlini e co-ubunikazi

Lapho kukhona ukuthengwa izindlu nempahla ngokuhlanganyela, kufanele uhlinzeke madokumende alandelayo:

1. Ikhophi yesitifiketi eqinisekisa umshado.
2. A kwesivumelwano esibhaliwe, okuyinto isicelo kuhlaziywa ohlangothini imali yentela okulingana izimali wachitha noma enikezwe ilungiselelo siqu ngamunye.

imali yentela Impahla efulethini ebhekisela umqashi

Uma siphendukela umqashi, le imali yentela uvunyelwe ukuthola ngaphambi kokuphela kwesikhathi intela, Nokho, kufanele uqale uqinisekise unelungelo lokuthola Leli lungelo bentela. Ukuze afeze sehlo, abakhokhi bentela ubophekile ukuba:

1. Bhala isitatimende ekhethekile. I sokubuyiselwa imali yentela ngoba ifulethi kungenziwa kuphela etholwe emva kwezidingo zayo. Likhomba of abathi ilungelo lokuthola sokubuyiselwa imali yentela ngesisekelo wonke la maqiniso.
2. Kuyadingeka ukuba ulungiselele ngokugcwele amakhophi wonke amadokhumenti, ngaphandle okuyinto akunakwenzeka ukuthola imali yentela ngoba efulethini.
3. Isibaluli bentela endaweni yokuhlala unomphela ngendlela lefanele igcwaliswe isicelo nge iphakethe zangaphambi zesikole systematized kwemibhalo edingekayo. Zonke amaphepha kufanele ibe sesimweni ephelele ukuze bakwazi komzamo uthole imali yentela ngoba efulethini.
4. Ekupheleni kwenyanga ukuze uthole imvume evela bentela ukuthola yonke imali ababeyitholile sokubuyiselwa imali yentela. Lokhu kungaba icala uma yonke imithetho zifeziwe, futhi umuntu uye walungiselela iphakethe okuphelele imibhalo, ngoba ngaphandle kwalokho inqubo kwetinhlavu kanye uthole imali yentela zingase zibe yinkimbinkimbi futhi imisiwe.

Ukuze uthole imali yentela impahla ifulethi, udinga ukuqoqa isethi ephelele amadokhumenti, liqinisekile banxuse bentela. Inani kuzonikezwa kuphela uma zonke izimo eziphathelene ukuthengwa impahla kanye isicelo kuhlangatshezwene nazo. Uma umuntu noma iqembu labantu elinde impela omningi imali.