Uyithola kanjani ohlwini lwabalindele izindlu ngcono, sizoyaphi

inkinga Ezezindlu uye ukhathazwa njalo Takhamuti telive letfu. Ukuze wakhe owakho imikhaya emisha, izingane zizalwa ezweni. Wonk 'umuntu ufuna siphile induduzo kwakubenza bazizwe benethezekile. umthetho wezwe lethu ivumela ukuthola ohlwini lwabalindele izindlu ngcono. Yiqiniso, izinto akuzona ngakho elula. isifiso komuntu ukuze sandise isikhala sakhe eziphilayo ngokwanele.

Ngubani ongema kulayini ukuthuthuka izindlu

Inani labantu abasebenzisa isimo ongaxazulula izinkinga yayo efulethini, hhayi kangako. Ngemva ukwamukelwa kokuchitshiyelwa Ikhodi Ezezindlu, ukusizakala ukusekelwa kuphela labo imikhaya asho ukuthi bampofu.

Lokhu isimo ngemuva kokuhambisa kwemibhalo edingekayo inikezwa abaphathi bendawo noma i-Office of Ukuvikeleka.

Omunye umbandela, okumele ihambisane izakhamuzi - imfuneko yokuhlala. Ofaka isicelo kumele ahlale endaweni efanayo iminyaka okungenani eziyishumi. Kule minyaka emihlanu Akufanele ukudala ngamabomu isimo asihambisani ophilayo.

Ngakho, usizo isimo ungalindela:

• izakhamuzi abahlala emafulethini ezizimele futhi okungezona zokuhlala izakhiwo abanikazi;
• abaqashi noma abanikazi amavidyo kabani umuntu ngamunye ingaphansi kwezinkambiso olwamukelwa;
• Izakhamizi kabani yokuhlala endaweni yokuhlala akunakwenzeka ngenxa ukungafani izidingo zezindlu;
• imindeni abahlala endlini eyodwa, phakathi okuyinto azikho izibopho igazi.

ukunakwa okuningi uhulumeni ukhokha emindenini emikhulu. Ngcono izimo zokuphila kulesi sigaba kungenzeka kokubili emazingeni yombuso kanye lendawo.

Umugqa izindlu ngcono efana kwakhiwa?

Phakathi abazobhapathizwa kukhona isigaba okukhethekile of bayizakhamuzi banelungelo kwasekuqaleni ukuze uthole usizo lukahulumeni. Okokuqala, izimo zabo izindlu bazokwazi:

• izingane lisale ukunakekelwa kwabazali;
• izintandane;
• abaqashi eziphuthumayo neyaziwayo izakhiwo muntu;
• umndeni, okuyinto yakhiwa abantu abanalesi sifo, lapho udinga ekamelweni elihlukile;
• NeMpi Yezwe Okwesibili Veterans.

Izindlela ukuxazulula le nkinga yokuntuleka kwezindlu of wombuso aid

Ukuze kuxazululwe le nkinga yokuntuleka kwezindlu ngezindlela ezimbili: ku ekhokhelwayo futhi mahhala. Inketho yokuqala lisikisela ukuthengwa ifulethi at uhlelo encishisiwe noma usebenzisa isitifiketi izindlu. Kuhlanganisa:

• mortgage sakhe ngekwemiva netenhlalo;
• ukuthengwa izindlu ngaphansi kohlelo lokukhokha by izitolimende;
• impahla wenzuzo, kokubili imali kanye ngesikweletu, ngemali kusukela isabelomali isimo;
• ukuhlinzekwa ifulethi phezu ikontraga ngombandela engena uhlelo iqoqo;
• ukuthengwa ifulethi ngesitifiketi izindlu.

ukwesekwa Social imindeni nezingane eziningi kungenziwa umelwe bhala-off cishe 1/3 yezindleko izindlu yokufuna efulethini izindlu zikamasipala komuzi.

Ngo indlela yesibili izakhamuzi ukuthola izindlu khulula lisetshenziswa, kodwa liqhubeka ubunikazi kumasipala.

Yini uyifuna

Ngaphansi inkontileka ilungelo lokusebenzisa kwezindlu zikamasipala umndeni ukubuya sezindlu ezanele okungafanele olunikezwa khona kwezakhiwo, umthetho izindlu ezifanele. Lokho kuyinto evamile the human ephilayo isikhala kufanele kube hhayi ngaphansi kuka 18 sq.m. Ngakho-ke, indoda nomfazi bangathembela endaweni encane flat esingeqile 44 square metres, enomzali oyedwa emndenini wabantu ababili - ku endlini enamakamelo amabili nge endaweni ingqikithi 50 sq.m., umbhangqwana oshadile onengane ungase ufanelekele efulethini elilodwa elalingaphandle esingaphansi 62 square metres .m.

Uma elinye ilungu lomkhaya has a ukugula okungamahlalakhona, ingxenye uhlu federal izifo kulesi sibalo namazinga wezindlu ngeke acabangele yokuthi isiguli uncika ehlukile Igumbi elingalodwa efulethini.

Uma engenayo ephansi umfakisicelo umnikazi wanoma iyiphi impahla, uyena onelungelo lokusho ukuthola ukuxhaswa uHulumeni ukuthengwa kwezindlu. Kulokhu, kufanele ihambisane nezidingo komthetho izindlu: zingafanele esingaphansi ancike wonke amalungu omkhaya endaweni sikwele. amamitha.

ukwesekwa Social imindeni nezingane eziningi - ke is bopho ezifundeni ngamunye. Ngakho-ke, ukuthi umasipala Uhlale ekulungele ukusiza futhi iluphi usizo ongacela iqembu olungavikelekile iningi umphakathi, kubalulekile ukuba ucacise ekuphathweni izindlu nogwali zokuvikeleka komphakathi endaweni sokubhalisa.

lapho ukuya

Izakhamizi abafisa sokuxazulula izinkinga zabo efulethini, okokuqala kudingeka uthole ukuthi uyaqaphela ukuthi eqinisweni irhelebho uhulumeni. Ukuze wenze lokhu, xhumana UMnyango wezeZindlu yokuphathwa emzini wakhe. Futhi uthole ohlwini lokulinda ukuthuthuka izindlu kungenzeka emsebenzini. Kulokhu, kungenzeka ukuba abhaliswe ezindaweni ezimbili ngesikhathi esisodwa.

Uma isakhamuzi is yaqashelwa ngokomthetho njengezwe siphelelwe amandla, kuhanjiswa kwemibhalo kungathatha omele zayo ezingokomthetho. Kunoma ikuphi, imibhalo kufanele siphathe lokuqala bese amakhophi azo zonke amaphepha.

Yikuphi amadokhumenti, izitifiketi amaphepha adingekayo ukuze ahlinzeke

Ukuze uthole ohlwini lwabalindele izindlu ngcono kuyadingeka ukubhala isicelo ezifanele futhi asinike zonke amaphepha adingekayo ukuze umkhandlu wesifunda. Isicelo kumele isayinwe zonke amalungu omkhaya.

Ukuqinisekisa isidingo sokuba kunakekelwe ngokwezinto ilungelo ngcono ukuthi bahlezi kanjani:

• iphasiphothi;
• idatha ye-akhawunti yezimali;
• uhlelo Technical efulethini BTI;
• isitifiketi Ukwakheka umndeni;
• BTI isitifiketi khona noma ukungabi khona ubunikazi yokuhlala;
• isitifiketi kusukela isikhungo sezokwelapha (uma kunesidingo).

Injani yokubhalisa nge

Ngemva isitatimende komfakisicelo kuzoqoshwa ephephabhukwini kwemibhalo engenayo, ke kuzokwenziwa ucwaningo izimo zokuphila. Mayelana imiphumela yayo bakha isenzo, owawuthi isicelo samukelwa, ukuba ibhekisiswe yikhomishana izindlu zomphakathi. Kuthatha isinqumo kwangaphambilini ngokwamukelwa noma cha ukwamukela yokubhalisa. Isinqumo sokugcina senziwa yinhloko umkhandlu wesifunda. Impendulo kunikezwa isicelo enyangeni eyodwa kusukela ngosuku kulethwa isicelo ngokubhala. Endabeni isinqumo esihle got ibhizinisi ukubala izimali nokugcinwa kwamanani umuntu wanikezwa inombolo emugqeni. Uma kwenzeka yokwenqaba - uchaza, izizathu ayikwazi okuhleliwe ngcono izimo zokuphila.

Kuyaphawuleka ukuthi izikhulu uhlole ngokucophelela yonke idatha olunikezwe ngumfakisicelo usizo lukahulumeni. Uma ikhomishini izindlu kwembule ukuthi isakhamuzi usenayo izindlu ethobela umthetho, ngisho noma etholakala endaweni ehlukile, ithuba ukuba zithole izindawo zokuhlala zero.

Okufanele ukwenze ngemuva ukuqaphela isidingo sezindlu ezintsha?

Emva isicelo uzothola isaziso ukwamukelwa isidingo yayo, kuyodingeka unyaka owodwa ukuba benze isinqumo esivuna omunye izinhlelo ekhona izindlu kanye uthumele isicelo. Uma isakhamuzi akanayo isikhathi ukwenza kanjalo ngesikhathi esifanele, ukuqashelwa yokuqoshwa isidingo sakhe ihoxiswe.

Endabeni kuhanjiswa yonke imibhalo edingekayo kanye nokubhaliswa ohlelweni akhethiwe iziphathimandla zomphakathi ukuba yiqiniso kwalesi itlhogeko ukuthuthukisa izimo izindlu kuzokhawulela ubuqiniso lokhu lokwakhiwa kwezindlu.

Kafushane mayelana wonke amathuba ukuze zithuthukise izimo izindlu. Yini lokukhetha?

mortgage yezenhlalakahle ukuthenga ekhaya ngentengo encishisiwe ngezithukuthuku imali. Kulokhu, intengo yayo kuyoba izikhathi 3-5 ngaphansana emakethe.

Izakhamizi abadinga izimo izindlu ezingcono, kufanele afake isicelo nge isicelo ukuze wazibeka izinhlu izindlu ekuphathweni edolobheni. Maye, akubona bonke amabhange bazimisele ukukhipha mortgage nomphakathi. Uhlu iqhaza kuhlelo lwe-isimo amabhange esizeni HMLA. Iphinde kuwufanele nikhumbula ukuthi lomfula inezidingo ayo ngoba lo muntu obolekayo. Abakwazi kuthinte ubuzwe, indawo yokuhlala, umlando umsebenzi, umshwalense impahla, into the eseduze loan.

I kungenzeka ukuthenga indawo ngesitifiketi kwezindlu ngokuyifunda inkokhelo isimo ezinye ingxenye izindleko izindlu. Le mali kuzoncika isibalo sabantu emkhayeni nokubafundisa babe kuyinsakavukela sikwele. amamitha kwezindlu, anelungelo. Futhi, uxhaso kungenziwa sandiswe ekwakheni indlu yangasese.

Izakhamizi abadinga izimo izindlu ezingcono, waqala irekhodi ngaphambi 1 Mashi, 2005, zifaneleke yokufuna impahla by izitolimende.

Ukuze kuniketa bahlali izindlu ngaphansi ukuqasha badinga ukuqala ukulondoloza uhlelo futhi ukuphetha inkontileka ngokuqasha ifulethi. Ngaphansi kwalesi sivumelwano soxolo samazwe, umndeni Uzonikezwa efulethini ekusetshenzisweni babengagwetshwa iminyaka engaze ibe 5. Phakathi nale minyaka, abadlali Uhlelo ukhokhe imali nyangazonke lifuna kanye nokugcinwa kwezakhiwo kanye yokukhokha uhlelo uxhaso.

Ngemva kokuphela kwenkontileka izinhlelo party uzodinga ukuthenga emakubo kuzo zonke izifunda ezweni nokusetshenziswa uxhaso anikezwe evela isimo wenza imali ohlelweni iqoqo, futhi uma kudingeka, kuthathwe ngesikweletu.