Kungenzeka yini ukuba asule umthengi credit dolobha komama? Kanjani ukuba abuyisele inhlokodolobha komama loan?

inhlokodolobha nokubeletha - leli yithuba emangalisayo zomkhaya omkhulu ukuthola izindlu zabo. Lolu hlelo uhulumeni ikuvumela ngokomthetho ukuthenga impahla kwesokudla, usebenzisa ngabomvu uxhaso kuhulumeni. Kodwa kungenzeka ukuba isifundazwe sikhokhele umthengi credit dolobha komama?

Yini incwadi yomthetho?

Ngokusho umtsetfo lokhona we Russian Federation, matkapital ilawulwa imithetho eziningana. Ngakho, lokhu ngosizo lwezimali ezivela isimo ekhishwe ngaphansi koMthetho Federal № 265-FZ "Ngo letengetiwe kuxhaswa kuhulumeni ngemindeni nezingane," ngokuvumelana Isinqumo 29.12.06, okubhekisele imithetho isiqondiso inhlokodolobha umndeni ukwenza ngcono izimo zokuphila. Ukusetshenziswa usizo lomphakathi ilawulwa Article 10 we 265-FZ.

Ngemva kokubukeza yonke imithetho ngenhla neziqondiso ngempela ukunquma ukuthi ungakwazi abuyisele umthengi credit dolobha kwabakhulelwe. Futhi kulolu odinga ukukwazi kuphi futhi kanjani izimali zikamasipala kungenziwa wachitha.

Sotspomosch yini ukuchitha?

Ngesisekelo imithetho neziqondiso zikahulumeni, inhlokodolobha womama (senani eliphelele noma ingxenye yayo) kungenziwa esichithwa ngezinhloso ezilandelayo:

• ukuthenga izindlu kuyakhiwa noma eseqedile;
• phezu ukugcwaliseka izibopho okuhloswe ngaso ekushintsheni izimo zokuphila bebheke ngcono.

Ngakho matkapital lingasetshenziswa njengoba eseduze, noma inkokhelo yokuqala ku-mortgage nezinye loans ekhaya. Nokho, oyikhethile indlu akufanele kuphela zikufanele ezicini zonke, kodwa futhi uhlale endaweni, kunokuba ngaphandle Russian Federation.

Semthethweni into ukuthenga efulethini noma impahla kwamanye e impahla ezivamile izingane, abazali namanye amalungu omkhaya abahlala yokuhlala efanayo. Njengoba ubona, akukho ulwazi mayelana ukuthi kungenzeka ukuba abuyisele umthengi credit dolobha kwabakhulelwe.

Yini enye eningayenza imali usizo isimo ukuchitha?

Chitha enye imali noma sonke isamba ngesikhathi esisodwa kungenzeka sinombono ukukhuphuka kungenzeka impesheni yomhlalaphansi, okungukuthi ingxenye yayo uxhaso (ngoba unina womntwana). Njengoba inkokhelo ngokudluliswa kwentambo ngokusebenzisa yokufuna izindlu umndeni Russian, okuyinto has isitifiketi capital umndeni.

Matkapital futhi ungaya ukukhokhela amasevisi emkhakheni wezemfundo izingane ezingaphansi kweminyaka eyi-25. On ukuthi kungenzeka ukuba abuyisele umthengi credit dolobha kwabakhulelwe, sizochaza ngezansi.

Lapho usebenzisa matkapitala wayivumela?

Kususelwa imithetho, zisebenzisa imali enikeza matkapital, ungakwazi kuphela ngemuva kokuthi ingane (futhi lapho isitifiketi ikhishwa), iminyaka engu-3 ubudala. Uma umndeni wakho vele khishwa a mortgage noma ezinye loan izindlu (eside ngaphambi isitifiketi olusemthethweni nguwe), bese ulinde isikhashana lapho ingane ifinyelela inani ngenhla zeminyaka, asikho isidingo.

Kulokhu, sokukhokha imali ebolekiwe noma ingxenye kungenzeka ngokushesha ngemuva Ukukhishwa isandla isitifiketi. Kulokhu, the ephansi yokuhlala izindleko, ahlotshiswe loan, kubalula ukukhokha lemali avelele loan futhi isithakazelo ngesikhathi esifanayo. Kodwa kanjani ukuze akhokhe isikweletu kumthengi credit dolobha komama? Futhi kungakhathaliseki ukuthi kungenzeka ukuba bafeze lo inhloso?

Yini ayikwazi wachitha matkapital?

usizo State ayikwazi wachitha izidingo siqu, hhayi ezihlobene yokufuna izindlu kanye ngcono izimo zokuphila izingane nabazali bazo. Futhi, eqinisweni, futhi ngeke wenze sempesheni isimo. Awukwazi ukuchitha usizo lomphakathi ukuze izidingo ezilandelayo:

• ukutholakala komhlaba;
• ukukhokha imali umthengi eyakhishwa ukuthengwa zasendlini kanye nezinye izimpahla;
• ukuba abuyisele imali eyayiyikweleta ukuba ezibalulekile emphakathini ;
• ukuvuselelwa ukwakha indlu yokuhlala noma ukulungiswa egumbini lapho umndeni uhlala;
• ukuthengwa imishini yokwakha futhi izinto ezidingekayo ukuze kulungiswe.

Awukwazi ukusebenzisa matpomosch ukukhokhela ukwelashwa kanye akuvunyelwe ukuthatha lemali posited ngokheshi. Nokho, imithetho noma e izimiso zomphakathi elawula Ukukhishwa usizo lukahulumeni, akukhulunywa ngaye ukuthi ungakwazi abuyisele umthengi credit dolobha komama ku Savings Bank noma enye inhlangano yezimali. Ukuze sithole impendulo yalo mbuzo kufanele zisebenze abamele Sempesheni esibhalisiwe.

What do sempesheni ku loan?

Uma siphendukela ngale ndaba engenhla ukuze abamele Uhulumeni Pension Fund (emphakathini), zizokutshela okulandelayo: ngokuvumelana nomthetho wamanje, uyasho ukuthi imali yesikhwama ukukhokhela umthengi credits bengayi. Lokhu kungenxa yokuthi, njengoba umthetho, ukubolekisa umthengi kungukuthi ekhishwe ngenjongo ethile. Ngokuvamile kuba loans yasebhange okuthiwa azidingayo.

Nalapha. Matkapital ungachitha kuphela senkokhelo imalimboleko okubhekiswe. okungukuthi kungenzeka kuphela mortgage ku indlu kuyakhiwa noma ngomumo. Ngaphezu kwalokho, matkapital ingasetshenziswa esikhundleni iphuma okokuqala ku ebhange izindlu. ukubolekisa Umthengi futhi ezakho loans target izindlu, ngakho ukubuyiswa kwemali yabo besebenzisa womama dolobha akuvumelekile. Kodwa kanjani ukuze akhokhe isikweletu kumthengi credit dolobha komama ku Savings Bank noma yinoma yiyiphi ibhangi, uma, engazi, namanje uke wakhipha loan enjalo?

Kuthiwani uma loan umthengi, futhi wachitha on ukuthengwa kwezindlu sathathwa?

Kuqondane ukuthi, engaqondi ukuthi umthetho, abazali kufanele ngokunganaki thatha imali-mboleko umthengi ukuthenga indawo ethembeni wokuyibuyisa ngokusebenzisa ngezinto ezibonakalayo. Nokho, njengoba azi ukuthi ukwenza kanjalo awukwazi iwe ibe ukudangala. + Ngemva kokuzalwa komntwana wakhe wesibili, lapho kuphela omunye kubantu abadala, abanye bacabanga ukuthi ukuze asule umthengi credit dolobha komama ukuze asindise.

Kunenkinga lokukhokha matkapitalom sokubolekwayo. Zempesheni kunzima kakhulu aziqinisekise ngobufakazi obuthile, ngakho kufanele aye enkantolo. Lapho usebenzisa kubalulekile ubheke omunye izigaba sihloko 10 265 ka uMthetho Federal, othi into efana: dolobha womama uvunyelwe ukuba bahlanganyele kunoma yiluphi ukuthenga okuthile okufaka yokufuna izindlu. Isimo main - kufanele akuphikisani umthetho.

Inkantolo kufanele ukwethula imibhalo efakazela ukuthi credit mali esetshenziselwe ukuthenga impahla kanye lihlotshiswe wonke amalungu omkhaya, kuhlanganise nezingane. okungukuthi izingane izithakazelo nazo kunakwe.

Ukuphela e umbango nge kwahulumeni?

Ukuxazulula Izingxabano ne Pension Fund kungenzeka kuphela ngokususa senkantolo, futhi umphumela omuhle kwesivivinyo kungenzeka ukuba okuhlukile ngokuqondene nalo mthetho, futhi benza ngamabomu hhayi Kunconywa ngaphansi kwalesi sikhwama.

Ngakho-ke, uma ungazi kanjani ukuba abuyisele umthengi credit dolobha komama kanye ngempela ukulondoloza, ungakwenzi ezisheshayo. Okokuqala, xoxa ochwepheshe Sempesheni esibhalisiwe. Cabanga ngokucophelela ngobuhle nangobubi bawo.

Indaba efingqiwe: Ukusetshenziswa usizo lomphakathi akufanele kube ngaphezu komthetho. Kungenjalo, wena engozini ukuze uthole ezikweletini ezingadingekile, achithwa eziningi imizwa namandla uzama ukufakazela ukuthi akanacala.