Isibopho esiphathelene ne-dolobha umzali. Nokuthathelwa ngaphansi yesibonelelo sikahulumeni

Namuhla, abazali abaningi umbuzo edideka: "Kuyini isibopho esiphathelene ne-dolobha umzali uzalela umboleki?" Lokhu kanye nolunye ulwazi ewusizo kungatholakala kulesi sihloko.

Capital ukubolekisa

Ukuboleka ebhange ngaphansi kapitalla komama kungenzeka, kodwa kuphela ukuthenga, ukwakhiwa noma ukwakha kabusha izindlu. Ngokwe-256-FZ, awukwazi ukusebenzisa isimo ukusekelwa ngokwezimali ukuze bathole umthengi credit. Umthengi ubhekwa boleko ukuthengwa ifenisha, izinto zasendlini, travel kanye loans imoto.

Yikuphi kukhona isibopho inhlokodolobha umzali?

Uma ufuna imali-mboleko yesikhathi eside ngosizo nokuxhaswa komphakathi, kudingeka sicabange ngayo ibhange isitifiketi futhi isitifiketi (esikhishwe Pension Fund) mayelana nokuba khona noma ukulingana inhlokodolobha umzali. I isikhungo sezezimali ucubungula isicelo bengatshelekwa / imalimboleko izinsuku 2 kuya ku-7 zokusebenza. Zokuhlala kumele wenza ukuba impahla, futhi abazali nezingane. Uma lesi sifo hhayi wahlangana (akukho ukubhaliswa efulethini / indlu wonke umndeni, ngoba umuntu oyedwa kuphela), bese kufika umthwalo ngokuvumelana nomthetho we Russian Federation. Uzodinga ukuvakashela ummeli olungisa izivumelwano kanye ukuzibophezela ebhaliwe dolobha kwabakhulelwe.

Kungaphansi kwaziphi izimo ikhishwa mortgage dolobha komama?

- Inani kokuqala okomnikelo ongafinyelela 10% yezindleko ingqikithi yezindlu.

- Maximum isikhathi loan ongafinyelela iminyaka engu-30.

- Guarantors azidingeki.

- Izinga lenzalo yemali mboleko, uma ulandela imigomo yomshwalense, kusukela 9.5% kuya ku-12% ngonyaka. Uma unquma ukwenza ngaphandle umshwalense, kuyilapho 10% kuya ku 12%. Kodwa iphesenti lokugcina kuxhomeke ezimweni ngazinye.

- Into esemqoka - ukubhala notarize isibopho inhlokodolobha umzali.

Inqubo ukubala lemali

Ngesisekelo ikhono wekhasimende ukukhokhela abasebenzi isikhungo sezezimali ibalwa yini inani mortgage abolekise bazokwazi ukuhlinzeka ebhange. Ukuze womama dolobha izimali igxile inkokhelo yokuqala noma sokukhokhwa mortgage, kanye nesicelo kumele uhlinzeke isitifiketi kuya Savings Bank.

Isikweletu esingu enhloko-dolobha womama ku Savings Bank, okuhloswe ngaso ukwakhiwa kwezindlu

Bank ukunika ithuba ukuqala ukwakhiwa entsha noma ukuthengwa efulethini indlu elalisanda kwakhiwa isivele isebenzisa yesibonelelo sikahulumeni. Ngaphezu kwalokho, inhlokodolobha womama ingasetshenziswa njengendlela yokukhokha phansi, uhambe sokukhokhwa kancane kancane lonke inani.

ukudluliswa kwemali

Ngemva kwezinyanga eziyisithupha kusukela ngosuku lokubhalisa nokuvunywa isicelo bengatshelekwa, udinga ukubhala uhlelo lokusebenza Pension Fund ku ukudluliswa kwabakhulelwe dolobha imali ku-akhawunti yasebhange. I uqaphele ukuthi lezi zimo libhekisela kuyo yonke indawo yakwa-Russia.

Nokuthathelwa ngaphansi inhlokodolobha womama - inzuzo?

Uma eqhathaniswa a mortgage loan ezivamile ngaphansi isimo ukusekela inzuzo. Akunandaba, ukwakha noma uthenge uzobe izindlu. credit Kalula kwabakhulelwe dolobha kule Savings Bank ukuze awudingi ukuthola imali inkokhelo phansi - une isitifiketi. Okungenzeka futhi kokukhethwa kukho okulandelayo: ingxenye yokuqala ilungelo umzali dolobha ngaleso umnikelo yokuqala enkulu, kanti eyesibili - ku ukukhokha inzalo. Kodwa evunyiwe inketho okunjalo akukhona ukuthuthumela njalo, konke kuncike ikhono ukukhokha.