Imixhaso Yezindlu. Kanjani ukuze uthole isibonelelo? Military izindlu uxhaso

Asho ukuthini igama elithi "nemixhaso"? Kuyini inzuzo izindlu kanye nalokho abangakuthola? Indlela basuse ekukhokhweni Izinsiza nezinsiza zomphakathi? Uma unesithakazelo izimpendulo zale mibuzo - lesi sihloko ukuphi. Kuyo, sethula ulwazi olufanele mayelana nezinhlelo usizo okubhekiswe izingxenye ezehlukene sabantu futhi akubonise ukudweba uxhaso kanjani. Ngaphezu kwalokho, thina chaza ukuthi imibhalo kuyodingeka salokhu, nokuthi bangaya kuphi ukuze.

Inchazelo

Ngaphansi mxhaso (lat. "Ukusekela") lisho ikheli othize ngosizo lwezimali letiniketwa ngumbuso kwezinye, babempofu, labantu. It aluhileli Ukukhishwa kwemali, futhi ikuvumela ukuba usathola inzuzo. Uxhaso izici yilezi:

• mahhala ngokunikela ngesekelo leemali;
• ukulingana, ngezimali esinqunyiwe;
• ethize, usizo ezihlosiwe;
• izimali isabelomali.

I-Russian uxhaso, okusho usizo ukuze izakhamuzi abanale nesimo esinzima kwezezimali, eyenziwa emikhakheni ehlukahlukene. Imixhaso Yezindlu ukuvumela ukuba ingxenye offset izindleko ukuthenga izindlu esimweni sezimali esibucayi. Okusetshenziswayo uxhaso ukusiza izakhamuzi engenayo ephansi okhokhela amasevisi amanzi, Ukushisa, ugesi kanye nabanye. Futhi, yesibonelelo sikahulumeni abantu ukuya Far North, futhi imikhaya izinsizwa ezingoFakazi siyidinga ukuze zithuthukise izimo zokuphila. Ngeshwa, akuyona yonke izakhamuzi bayasazi yokuthi abanelungelo lokuthola yesikhathi esisodwa usizo isibonelelo. Ake sibone, ukuthi ungathola kanjani usizo embusweni, begodu bobani imithetho ukunikezwa uxhaso.

Izinyathelo bengayisiza futhi bayisekele imikhakha abaswele izakhamuzi

Uhulumeni waseRussia inikeza usizo emindenini esimweni esinzima wezimali, kubandakanya ukuhlinzeka imali ukuthenga izindlu. Abamukeli uxhaso enjalo ekuthandeni abazalwane abampofu kanye neziteleka imiphakathi emphakathini - abantu abangashadile, abahola kancane futhi imindeni emikhulu, abantu abakhubazekile kanye nezinye izigaba zezakhamizi, abanokuhlangenwe engenayo ingaphansi kwe-kunesiqiniseko esingokomthetho ubuncane ukudla ezingeni. Ukulungiselela isibonelelo sendlu sezivuma ku izimo ezimbili: ukuqashelwa lomndeni noma abantu abahlala yedwa abampofu, khona isidingo esungulwe ukuze zithuthukise izimo zokuphila. Abampofu bangabantu amasentshana ngezansi amaholo zomthetho ubuncane esifundeni ukhathazekile. Isimo ebalulekile ukuthi lezi zimfanelo nobunzima zezimali abalulekile awekho ku yezimo ezingaphezu kwamandla abo. Ngokwesibonelo, umndeni ngeke hlonishwa njengomphakathi abaswele uma amalungu ayo anamandla zisebenzisa izidakamizwa noma sihlupheka utshwala futhi ke azisebenzi.

Definition of umndeni kule nomthetho samanje Russian Federation

Kufanele kuqashelwe ukuthi isishayamthetho Russian Federation ngaphansi umndeni libona iqembu labantu abahlala ndawonye abanale kulowo muzi futhi njalo wabhalwa iyiphi degree of nokuzwelana, lomthetho futhi ibhalwe. Ngaphansi Ikhodi Umkhaya Russian Federation ukuba amalungu omkhaya zihlanganisa abaganene, izingane nabazali, kanye izingane zokutholwa nabazali bokutholwa. Lokhu kusho ukuthi umndeni angabhekwa njengomzali bokukhulisa umntwana, umbhangqwana oshadile engenazo izingane noma ukuba izigceme yokutholwa. Esimweni lapho umshado ubhaliswe ngokusemthethweni, kodwa amalungu siphila ngokwehlukana futhi akuvezi kulowo muzi, umndeni, abakwazi kubhekwe, futhi ngenxa yalokho awufanelekile wombuso aid ngesimo izindlu mxhaso.

Sinquma ukubaluleka bezinga

I amaholo ophilayo lichazwa ngokuthi eliphansi imali, kubalulekile ukuqinisekisa amazinga evamile eziphilayo. ERussia, inani layo ibalwa nsuku ngekota, ngesikhathi esifanayo ziyabhekelelwa nobhasikidi izimpahla nezibalo ukukhuphuka kwamanani okudla, imikhiqizo non-ukudla, kanye izindleko nezinkonzo izimali ezidingekayo futhi amacala. Ezindaweni ezahlukene Russia ezingeni bezinga zingahluka. Kubalulekile futhi ukuthi izigaba ezahlukene sabantu - izakhamuzi ukusebenza ubudala, izingane kanye nabahola impesheni - lifakwe ngokwehlukile. Lapho sokunquma umndeni engenayo ephansi ukwenza inqubo elandelayo. Regional inani eliphansi isethelwe ngekota lokugcina mihlangano. Ngokulandelayo, ukuqhathanise isilinganiso kwemali lengenako yombusi bahlanganisa amalungu omkhaya (noma umuntu oyedwa), etholakala kule minyaka izinyanga ezintathu, okuyinto kwandulelwe ukugunyazwa okwenziwe ukwelashwa ukuvikelwa komphakathi sabantu. Zonke emkhayeni osesigabeni kungezwa ehlukaniswa 3, umphumela ubizwa etholwe alinganiselwa lemali engenayo ngenyanga. Okulandelayo, umphumela ihlukaniswe ngenani amalungu omndeni. Uma kwehla kwemali lengenako sibalo etholwe ingaphansi ubuncane ukudla ke, umndeni unesizathu esihle ukuze uthole isimo ompofu ngemva isikhalo ukuvikelwa komphakathi sabantu.

We ukuthola isimo umndeni abaswele

Ukuze kuhlonishwe imikhaya ehola kancane kumele sithunyelwe uMnyango wezeNhlalakahle. Emadolobheni amakhulu anjenge lusito kutenhlalakahle kanye nokwesekwa ukuze usebenze esifundeni ngasinye. Uma usingatha kuyadingeka ukunikeza iphakethe kwemibhalo, kuhlanganise:

• iphasiphothi;
• isitifiketi INN;
• isitifiketi somshado;
• isitifiketi sokuzalwa sengane;
• isitifiketi sokubhaliswa lokuhlala;
• izitifiketi kanye namanye amaphepha emvume ezingase uqinisekise amazinga okuphila;
• Imibhalo Property (isitifiketi cadastral, ubufakazi bobunikazi).

Lingqubuzana wonke amaphepha adingekayo kungenziwa ebekiwe kwi website esemthethweni ye igunya zokuvikeleka komphakathi wendawo noma ngqo kusayithi. Endabeni zonke ukwanelisa ngesicelo amakhophi izitifiketi futhi emva kwezinsuku ayi-10-30, umndeni kuzobhekwa njengoba abampofu.

Sikwenza Umxhaso

Emva kokuthola isimo elithi "ubumpofu", ungaqala ukuklama Umxhaso. Udinga ukuthuthukisa izimo zokuphila owaziwa amalungu omndeni uma okungenani eyodwa izimo lokhu okudingekayo kwenziwe:

• umndeni akusho ukujabulela abahlala inkontileka kwezenhlalo yokuqashwa;
• umndeni ayinakho impahla isikhala ephilayo;
• Igumbi, okuyinto eyayihlala amalungu omkhaya, ngokusemthethweni obonwa eziphuthumayo;
• kanye lo mkhaya uhlala abantu iyagula kanzima kokuba isifo esingalapheki (isb, isifo sofuba);
• umndeni Inekhaya, kodwa okungenani endaweni izindinganiso ilungu litho.

Kanjani ukuze uthole isibonelelo? Okokuqala, udinga ukunikeza iphakethe kwemibhalo koMnyango ngeemali zezindlu - emiswe iziphathimandla zendawo. Njengomthetho, kumele uze passport, isitifiketi endlini futhi BTI, isitifiketi cadastral kanye nokubhaliswa emakamelweni, okuyinto uqinisekise ukungabi / khona izakhiwo impahla. Ngemva ukugcwalisa ikhomishana ezinsukwini ezingu-30 ngeke wenze isinqumo mayelana ukukhiqizwa noma yokubhaliswa imindeni abadinga izimo zokuphila ezingcono. Uma isinqumo esihle ekuphathweni izokhipha idokhumenti futhi inombolo emugqeni. Manje kudingeka ukulinda kuphela (ngeshwa, ukulinda kungathatha kuphi ngemva kwezinyanga eziyisithupha kuya eminyakeni lelishumi nobe lengetulu). Nakuba kwezinye izimo kungenzeka ukuthola futhi okungavamile izindlu mxhaso. Lokhu kusebenza abantu abaphethwe izifo ezingathi sína futhi bedinga izindlu ezihlukile, futhi abahlala izakhiwo ezingaphephile awekho ngaphansi ukulungisa nokwenza umsebenzi wokuvuselela izakhiwo.

Sithola imali yokuthenga izindlu ezintsha ivulekile

Repayable ngeemali zezindlu zinikezwa kuphela EFT. Inani ezonikeza kwabaphathi bedolobha, kuzoncika ayisilinganiso emakethe 1 m² lokuphila isikhala, kusukela yinto evamile ukukhuluma endaweni umndeni enenani elithile labantu, futhi inani leminyaka esidlulile kusukela okwamanje sokubhalisa. Kufanele kuqashelwe, ngokuvamile lemali isibonelelo ingeqi 70% yezindleko izindlu. Ngokuvamile, lemali edolobheni, akwanele ukuthenga izindlu, ngakho kulesi simo kudingeka ukudayisa isikhala ekhona impahla ephilayo, engeza imali ebezilokhu siqu noma athathe isikweletu mortgage. Imixhaso Yezindlu ingasetshenziswa izinyanga eziyisithupha kusukela isitifiketi irisidi. Thumela izimali kungaba kuphela ngcono izimo zokuphila, okungukuthi, ukuthengwa zokuhlala ezintsha, ukwakhiwa yendlu (noma ukwanda endaweni yayo ngenxa yokwakhiwa kwemisebenzi), kanye sokukhokhwa kwemali kuya lenhlangano yokwakha.

Imixhaso Yezindlu imikhaya abasha

ERussia, ngaphansi "Ezezindlu" izenzo isimiso ngokuthi uhlelo "Ezezindlu imikhaya abasha." Luhilela ukuhlinzekwa ngosizo lwezimali for yokufuna amagceke imibhangqwana esemisha. Ukuze uthole izitifiketi izindlu ngaphansi kwalolu hlelo, kumele ube kwale mibandela elandelayo:

• engu-abashadayo (noma omunye abashadayo, uma umkhaya onomzali ongayedwa) kumele singeqi iminyaka engu-35;
• umndeni agqoke akhawunti ukwenza ngcono izimo zezindlu;
• umndeni has a amazinga okuphila elikuvumela ukuba abuyisele izindleko asalile efulethini.

Ukuze unike amandla imindeni abasha ohlelweni kuyodingeka ukuba anikezele koMnyango ngeemali zezindlu - emiswe iziphathimandla zendawo. Ngempela zidinga isicelo ukufakwa kuhlelo futhi kukhushulwe nenani uxhaso (2 PC.), The ipasipoti yombusi bahlanganisa amalungu omkhaya, isitifiketi kusukela BTI, le Unified State Register, eqinisekisa ukuthi kudingeka umkhaya ngcono izimo izindlu kanye ayinayo e ingcebo nempahla. Zingakapheli izinsuku eziyi-10 ngemuva kokuhambisa yonke imibhalo edingekayo ukuze ikhomitjhini izitjheje, bese ukhiphe isinqumo phezu ukufakwa / non-ukufakwa imikhaya labasha eluhlelweni. Nge umphumela omuhle oshadile ngokulandelana igunya bengathola isitifiketi izindlu.

Ezezindlu nesabelo servicemen. Ukusiza Veterans kanye invalids

I-Russian usizo lwezimali ukuthenga izindlu inikezwa hhayi kuphela emindenini lephuyile siphindze abasha. Ikhishwe khulula isibonelelo sendlu servicemen sichithiwe (wadubula), ogama ubude lenkonzo iminyaka engu-10 noma ngaphezulu akudingeki ubunikazi izakhiwo kanye nesidingo neyaziwayo ukuthuthukisa izimo zabo, futhi kuncike Izindawo ka Emakamu empi ivaliwe kanye nohlobo ehlukile. Umxhaso amasosha kuyinto 80% yezindleko izindlu (kuyinsakavukela square womphakathi). Nakuba asele 20% izakhamuzi kufanele ukhokhe aphume imali yabo siqu noma uthathe imalimboleko. Military isibonelelo sendlu, kokuba umsebenzi isipiliyoni engaphezu kwengu-25, inikezwe elingu-100% we-ukuthengwa ekhaya. Ukubala inani aid esetshenziswa kuyinsakavukela yezenhlalakahle kwendawo ingqikithi impahla: 33 m² - umuntu oyedwa, 42 m² - ukuze umndeni amalungu amabili futhi 18 m² umuntu ngamunye ukuze umndeni abantu abathathu noma ngaphezulu. Ngaphezu wezempi, isimo enakekela Veterans kanye nabantu abakhubazekile. Akukona indiva uhulumeni waseRussia futhi izakhamuzi abasebenza emkhakheni womphakathi. Futhi kungenzeka ukuthola uxhaso ukuthengwa amafulethi ngokulandelana.

Umbuso uxhaso

Ngakho, ukusekelwa yesondlo - kuyini? Iqiniso lokuthi amaqembu engenayo ephansi ungafaka isicelo hhayi kuphela ukuthola yesikhathi esisodwa izibonelelo. Kubo, Ikhodi Ezezindlu inikeza izinzuzo ukukhokhela Tinsita zokuhlala. Okusetshenziswayo uxhaso bunikezwa kunjalo ukukhokha izindleko efulethini, amanzi, ngifudumeza, njll Kudlulwe 22% imali ingqikithi amalungu omndeni. Ukubalwa isibonelelo senziwa ngokuhambisana standard lesifunda. izakhamuzi engenayo ephansi ungathola izinzuzo ezifanayo ngokuxhumana isikhungo ngeemali zezindlu - umzimba zokuvikeleka komphakathi.

Uxhaso impesheni azonikezwa umcimbi ukuthi abayizakhamuzi WaseRussia, babe lokubhalisa yokuhlala, futhi sihlanganyele ekukhokhweni ifulethi namasevisi idlula 22% yezindleko. Kubalulekile ukukhumbula ukuthi uxhaso azonikezwa umcimbi ukuthi izakhamuzi kungekho ezikweletini ukuze akhokhele izinkonzo ezibalulekile emphakathini kanye intela. Abantu abampofu ukuthola izinzuzo kumele balungise amaphepha adingekayo: isicelo uxhaso, iphasipoti, isitifiketi Ukwakheka umndeni, isitifiketi ubunikazi noma namanye amadokhumenti eqinisekisa ubunikazi izindlu ngesisekelo zomthetho, nesitatimende yamaholo izinyanga 6, amakhophi umsebenzi irekhodi izincwadi, isitifiketi yomshuwalense, irisidi lokukhokha ugesi kanye negesi izinyanga ezingu-6, kanye nabanye. Cwenga ohlwini lwakho kwemibhalo edingekayo kungaba ngokuqondile izitho ka ababasekelayo.