Ingatholakala kanjani uxhaso izindlu?

Uxhaso ukuthenga izindlu eRussia, ungathola cishe yonke imindeni. Engingakusho nje ukwazi ukuthi kwenziwa kanjani. Ngeshwa, eziningi wamaphepha lapha. Kodwa uma kusengaphambili sikhathazeke ukukhiqizwa futhi ukukhululwa kwemibhalo ethile, kungenzeka impumelelo ngaphandle kwezinkinga. Ngaphezu kwalokho, ngaphansi kwezimo ezithile, ngokuvamile, ungathola ifulethi noma isiza mahhala. ERussia abasisizayo enjalo sabantu. Kusukela izakhamuzi adinga izinto ezimbili - ukuhambisana nemigomo izinhlelo ezithile usizo futhi ukuqoqwa zonke izincwadi ezidingekayo.

Ngubani ofanelekile

Isinyathelo sokuqala ukuthola onelungelo lokuthola uxhaso izindlu. Akubona bonke labantu has ithuba efanayo. Ezinye izakhamuzi akufanele bathembele wombuso aid e umbuzo cwaningo.

Manje e-Russia kukhona ezihlukahlukene izinhlelo uxhaso yomphakathi ukuze usize ukuthenga amafulethi iziza ekwakheni izindlu. Kodwa ukusekelwa isimo ungalindela:

• Imikhaya enezingane eziningi;
• abombutho;
• bakahulumeni;
• labo abadinga ukuze zithuthukise izimo zokuphila zamanje;
• imindeni abasha.

It kuvela, akubona bonke anelungelo ukwesekwa khulula. Esimweni ngasinye, kuyodingeka athobele izimo ezithize. Kungenjalo, ngisho izigaba ezibalwe sabantu ngeke bakwazi ukuthola izimali.

wezempi

Into yokuqala kufanele sinake abamukeli ezifana amasosha. Ayevame ukuhlinzeka izindlu, kodwa hhayi imali yokuthenga efulethini abo. Kodwa emgqeni ungalindela amashumi eminyaka. Ngakho manje anikezwe uxhaso izindlu. Amasosha edingekayo ukuze uhlangabezane nezimfuneko aqine. Amanye awo yilawa:

1. Umndeni lempi akumele ephethwe iyiphi impahla.
2. Uma impahla Inekhaya, kumelwe ukuba ube phakathi kwe amazinga esungulwe, noma ezincane iyunithi umphakathi.
3. Servicemen ukuba ubudala. Kuthatha okungenani izinyanga 36.

Mhlawumbe kungenxa zonke izidingo ukuthi ifakwa phambili eRussia emnyangweni wezempi. Uxhaso ukuthengwa kwezindlu servicemen okungatholakala wachitha kuphela indawo yokuhlala. Ngemva umamukeli uzonikezwa isitifiketi, imali ukuthi akunakwenzeka. Kodwa ingasetshenziswa kule kuthengiselana. Chitha ngayo ukunikezwa isibonelelo izindlela 3:

• kwe-zokuhlala samabanga aphansi noma;
• ukubuyiswa kwemali yesivumelwano mortgage;
• ukuthenga indlu.

Imibhalo wezempi

Kufanele kukhunjulwe ukuthi ukuthola amagranti ukuthengwa kwezindlu kumele uze iphasela elincane kwemibhalo. Le nqubo ithatha isikhathi esiningi. Futhi nje kubhekwa kakhulu isikhathi-ukudliwa. Amasosha niya kwabaphathi bedolobha nemitlolo elandelako:

• Isicelo usizo lwezimali;
• isitifiketi eqinisekisa ukungeneli yokuhlala ekhona izindlu (uma yokuhlala ingcebo nempahla);
• Imibhalo eqinisekisa wonke amalungu ezempi zomkhaya (isitifiketi somshado, sokuzalwa zezingane) umndeni;
• sicashunwa endlini;
• ikhadi empi;
• omazisi babo bonke amalungu omndeni asebavele passport;
• nencwadi yesehlukaniso (uma sikhona);
• sicashunwa ifayela siqu;
• imininingwane le-akhawunti ofuna ukudlulisa izimali;
• sivumelwano mortgage noma ifulethi ukuthenga inkontileka (uma ikhona).

Ngemva kokubukeza kunjalo isitifiketi azonikezwa wezempi, ehlanganisa ezinye izindleko ingcebo. On isicelo ukucabangela kuthatha emva kokwelashwa kwezinsuku ezingaba ngu-30.

bakahulumeni

I bakahulumeni Russian nazo enikeziwe uxhaso ukuthengwa kwezindlu. Kulokhu, futhi, kudingeka uthintane kwabaphathi bedolobha. Yiqiniso, akuwona wonke umuntu unelungelo lokusizwa ekuzuzeni izindlu. Kodwa kuphela:

• abasebenzi wokuPhathwa kaMongameli;
• bakahulumeni ka Izikhonzi Russian Federation;
• abantu abasebenza koMkhandlu wezokuPhepha kanye nezigaba zawo;
• abasebenzi, abasebenzi izidumbu federal zomthetho;
• abasebenzi izikebhe;
• abashushisi.

Ukuze zonke lezi imikhakha ehlukene yabantu ukubeka phambili izidingo eziqondene nayo. Kuphela lapho angaphansi a Umxhaso ukuthenga izindlu letiniketwa ngumbuso. kwale mibandela elandelayo:

1. Ukuntuleka kokukhulumisana impahla siqu umamukeli. Amakamelo okulala awabange izihlobo futhi kunakwe.
2. Isisebenzi sikahulumeni ayinakho ikontraga yokuhlala, uma ikhona, ubukhulu efulethini esingaphansi kwezinkambiso isethelwe ongu-1.
3. Indawo engafanele ikhaya evamile (siqu noma abazisebenzayo).
4. Uma isisebenzi sikahulumeni uhlala ehostela noma ifulethi ngokuhlanganyela.

Kumele kuqashelwe ukuthi lezi zikhulu abenza wakhulela kuka 3 izingane ezincane futhi ukwazi ukuthola imali uma ukuthenga ikhaya. Kuphela kuleli cala bathi kufanele siphile isisebenzi sikahulumeni. Zingaba iyiphi esiseduze sikaJesu, ngokuvamile umyeni / unkosikazi.

Imibhalo semtsetfweni kutsi tisebenti tahulumende

Ikunikeza bakahulumeni nezezindlu enikeziwe cishe ku isimiso esifanayo njengoba ukuthi ezempi. Ngisho ukukhokhelwa zifana. Futhi nangu uhlu kwemibhalo lihlukile. Lapho kuziwa enqubekeleni usizo nge ukuthengwa kwempahla kwezikhulu zomphakathi, abaphathi idolobha uzodinga ukuletha:

• isicelo isicelo;
• omazisi babo bonke amalungu omndeni;
• izitifiketi zokuzalwa kwabo bonke izingane ezincane (futhi abantu abadala abanengculaza noma abazali babo);
• ikhophi akhawunti wezimali;
• sicashunwa endlini;
• isitifiketi kobunikazi impahla;
• amadokhumenti ukufakazela banelungelo endaweni ezengeziwe izindlu (nge ubude isevisi);
• incwadi ukusebenza;
• isitifiketi somshado.

Uma kuziwa ukuthenga indawo (indlu), kuncike esivumelwaneni ekhona ilungelo lokuhlala kuwo, isivumelwano unikezwe Kulolu hlu olungenhla kwemibhalo. Lapho zokuhlala langakufanelekela inkomba ezifanele uyasetshenziswa futhi isicelo. Zonke imibhalo kufanele zithunyelwe hhayi kuphela yokuqala, kodwa amakhophi. Notarization kungadingeki.

elikhulu

Uxhaso ukuthenga izindlu imindeni emikhulu - ke sekuyisikhathi eside mkhuba ovamile. Kodwa iningi amaseli ngomphakathi onjalo Umenyiwe noma izindlu nhlobo ngokulandelana, noma umhlaba mahhala. Akubona bonke bayavumelana ngalokhu. Ngemva uxhaso - yilokho iyatholakala ngokushesha kunokuba efulethini khulula noma umhlaba. Okwamanje, umndeni neyaziwayo linyenti lebantfwana wakhulela izingane ezintathu noma ngaphezulu.

Izakhamizi kufanele athobele:

• ukutholakala nemali eyanele ukukhokhela izindlu (kuye ngokuthi isibalo amalungu omndeni);
• izindlu kufanele kubhekwe agugile, ihlangabezane nenani elincane ezimisiwe induduzo;
• ungase imali yoxhaso lapho efakwe kumuntu ngamunye square metres izindlu ezingaphansi ekhona ngempela;
• phambi kwezingane 3 noma ngaphezulu (unezingane zokutholwa nazo kubhekwe);
• khona yisakhamuzi Russian kuwo wonke amalungu omndeni.

Imibhalo ukuhlinzeka izakhamuzi ekuphathweni, hhayi kakhulu esahlukile kuzo zonke izimo odlule. Udinga ukuqoqa amaphasela izibambiso, okubandakanya:

• amadokhumenti ku ubunikazi impahla wonke amalungu omkhaya wethu;
• ukuhlonza isakhamuzi ngabanye;
• isicelo somxhaso;
• isitifiketi somshado nokuzalwa zonke izingane;
• isitatimende of the ukwakheka umndeni;
• Ikontraga ukuthengiswa kwempahla noma indlu sivumelwano (uma ekhona);
• isitatimende yezinzuzo wonke amalungu yeseli emphakathini;
• amadokhumenti uqinisekise isidingo ngcono izimo zezindlu.

womama inhlokodolobha

Ukuze ezinye isibonelelo ngokwezinga ukuthenga izindlu - dolobha sikamama. Le nkokhelo sivezwe impela isizumbulu semali okungatholakala wachitha kunoma iyiphi ingane, noma ukuhlala ingcebo. Ngakho-ke, inqubo yokuthola matkapitala futhi ngeke zinganakwa.

Ngokungefani nazo zonke izimo langaphambilini, umndeni alihambisani uhlu omkhulu izimfuneko. Isimo kuphela ukuthola womama dolobha - phambi kwezingane 2 noma ngaphezulu. On inani wenkokhelo izingane izimele, it is fixed. Futhi uthole ukusekelwa okunjalo can kanye kuphela.

Lokhu kusekela inikezwe Pension Fund Russia kusifunda ngasinye. Abazali kufanele uhambise amadokhumende alandelayo ukuze inhlangano efanele:

• izitifiketi zokuzalwa zonke izingane;
• Imibhalo eqinisekisa ukwamukelwa noma sivikelwe (uma ekhona);
• isitifiketi somshado;
• SNILS izingane lomuntu ofake isicelo;
• sekhadi umzali oyedwa (mhlawumbe kokubili);
• ifomu lesicelo.

Lolu uhlu amaphepha yanikezwa FIU. Akufanele sibakhohlwe ukuthi kusukela izakhamuzi zidinga amakhophi engeziwe esithi imibhalo. In ukubuya, isitifiketi esikhishwe. Futhi ingasetshenziswa ukwenza ngcono izimo zezindlu.

umndeni abasha

Ezezindlu uxhaso ukuthenga izindlu nalo enikeziwe imikhaya abasha. Ukuze wenze lokhu, kukhona uhlelo sikahulumeni. Ibizwa ngokuthi - "umndeni abasha". Ukuze uthole uhlobo ukwesekwa, udinga:

• khona lezi zithandani, azifinyelelanga engu-35 ubudala;
• ikhono ukukhokha (imali eyanele yokukhokhela lemali esele yezindleko izindlu);
• yobunikazi ekhaya (noma ukwehluleka umkhaya);
• yisakhamuzi we Russian Federation;
• phambi kwezingane (Hhayi, kodwa okungcono, bona kakhulu lula inqubo).

In the hlelo "umndeni Young" ngemikhaya enomzali ongayedwa bayakwazi ukubamba iqhaza. Lesi sici bayindlala kakhulu. Isebenzisa imali oyitholile, noma kube isiphelo sesimiso isivumelwano sokuthenga, noma njengoba soxhaso ezokwenza ukumboza ingxenye mortgage.

"Umndeni Young": imibhalo

Ukuze ufaneleke, kumelwe sisebenzise, njengoba ezimweni eziningi, ekuphathweni yedolobha noma endaweni lapho abahlala cell emphakathini. Uhlu kwemibhalo cishe liyefana yini ongakhetha ngaphambili efakwe ohlwini.

Yini edingekayo kusukela womkhaya osemncane? Ukuze uxhaso izindlu okubalulekile:

• ID womshado lomuntu;
• Imibhalo ngomshado / isehlukaniso (uma ekhona);
• isitifiketi esiqinisekisa ukuzalwa zonke izingane;
• usizo kwamanye amalungu omkhaya;
• izitatimende mayelana nesimo se-akhawunti ye-izakhamuzi;
• iphepha, ubufakazi abantu imali;
• isitifiketi kokubonwa kwezindlu langakufanelekela (uma ekhona);
• isicelo iqhaza kuhlelo;
• inkontileka ka-mortgage abolekise noma ukuthengiswa ingcebo.

Isidingo ngcono izimo

Uxhaso ukuthenga izindlu etholakalayo eRussia zonke izakhamuzi abadinga izindlu ezingcono. Uhlu kwemibhalo kuyafana, njengoba kunjalo imindeni abasha. Wanikeza kwabaphathi bedolobha. Umxhaso (futhi ngokuvamile izindlu mahhala) esinikezwa labantu, uma:

• izindlu, okuyinto ukuba isakhamuzi alihambisani induduzo ubuncane ikhaya;
• abahlala eziphuthumayo izindlu noma ifulethi / indlu, ezithile sibhidlizwe;
• izingane kwabobulili babe amakamelo ahlukene;
• abaphila ne isakhamuzi ogulayo iyathelelwana, isifo esiyingozi (isib, isifo sofuba, ubufakazi bezokwelapha liyadingeka);
• isakhamuzi efulethini kukhona esingaphansi kwezinkambiso ezimisiwe square metres kwezindlu.

Mayelana ubukhulu imixhaso

On imigomo nemibandela zombuso ukwesekwa kucacile. umbuzo odlule, abenza abanesifiso sabantu - lena inani uxhaso ukuthenga izindlu. Njengomthetho, ke kuncike ezintweni eziningi. Ngokwesibonelo, indima eyadlalwa inani amalungu omkhaya isakhamuzi. Kodwa isibonelelo isilinganiso (izinceku ezempi kanye civil) ukumboza mayelana 70-80% yezindleko izindlu.

Endabeni iqhaza kuhlelo "umndeni Young" zonke ihlukile. Ukubala imixhaso ukuthengwa kwempahla kuyafana, kodwa inani ukulithola ikhava isilinganiso% 30 kuphela izindleko. Zonke ezinye kuyodingeka bakhokhe ngokwakho.

Futhi uma sicabanga dolobha likamama, bese kukhona ngokuvamile azikho izimo musa ukudlala indima nenani lenkokhelo. It isethwe nani. Eminyakeni imikhaya 2015-2016 ukuthola ruble 453.026.