Inhlokodolobha nokubeletha. Lapho ungasebenzisa inhlokodolobha umzali?

Kusukela kwaqala kuxhaswa kuhulumeni ngemindeni nezingane ezimbili noma ngaphezulu izimiso zalo eziye zabhekana izinguquko eziningi. Ngakho-ke, abazali abaningi bezibuza uma uthola womama dolobha lapho ungasebenzisa lesi sitifiketi nokuthi ingathunyelwa? Ngezinye ezinjalo yesibonelelo sikahulumeni, bangalindela ukuba imindeni enezingane ezimbili noma ngaphezulu, usuku lokuzalwa lesibili futhi okwalandela kufanele kungabi ngaphambili kuka 2007.

Yini ezivikelwe ngaphansi isitifiketi umkhaya?

Uma ngaphambilini izindlela inhlokodolobha umzali (ngemuva kwalokhu QMS) kungenziwa iqondiswe kuphela ukuze zithuthukise izimo zokuphila, inkokhelo yemfundo zezingane kanye kumiswa ingxenye uxhaso kokukhokhwa kwempesheni umama, manje mina nethuba sokukhokha imali ebolekiwe, mortgage, ukukhokha isitolimende sokuqala ku-loan / indlu, ukuthumela imali umsebenzi nokuvuselelwa okudingekayo ukuze izingane ezikhubazekile.

A isici esihle esimweni esingajabulisi futhi ukuba khona amaqiniso anjalo, njengoba ithuba alibale ukukhokhelwa kuxhaswa kuhulumeni futhi ikhono lokusebenzisa izimali esinqunyiwe enikeziwe. Ngakho-ke, imigomo kulabo wathola inhlokodolobha womama, lapho kungenzeka ukuyisebenzisa zihlukile. Futhi kuncike injongo yokusetshenziswa kwawo.

Ngakho, izimali ezibekelwe ngumbuso, ngesicelo abazali zingagcinwa ku-akhawunti kuze kube ebudaleni obuthile kuphela, isibonelo, ngaphambi kokungena isikhungo, noma ingalungiswa ukuhlangabezana izindlu kanye nezinye izidingo legislatively enikeziwe emva ingane eba neminyaka emithathu.

Lapho kungenzeka ukusebenzisa QMS?

Kunengqondo ukuthi leyo mikhaya ababekwa sinelungelo yesibonelelo sikahulumeni, anentshisekelo esingakanani ungasebenzisa inhlokodolobha umzali. Uma ingane eba neminyaka abazali ezintathu Unelungelo bachithe QMS. Ngezansi uhlu lwamaphuzu abonisa lapho kungenzeka inkokhelo eyenziwe.

1. Inkokhelo kwetinsita tekufundza. Imithetho kusho ukusetshenziswa imali eyabelwa nguhulumende, ngoba inkokhelo for ukuhlala kwakho ku zasenkulisa for ukuqeqeshwa kwezikhala ezikoleni zamabanga nezobuchwepheshe (amakolishi) bese kuthi imfundo ephakeme (nezikhungo, amanyuvesi, izinhlangano zezifundiswa). Futhi, ukwesekwa uhulumeni wayeyobekwa kusetshenziswe ukukhokhela izindleko yokuhlala wengane isikhathi sokuzifundela ngemva dorm.
2. Ingxenye omama ukonga impesheni ingaphinda zimiswe ngezithukuthuku izindlela isitifiketi. Kulokhu, uma ukhetha le ndlela kungenzeka ngisho nangemva isikhathi ushintsho, futhi isinqumo ukwaba izimali nezinye izinjongo.
3. Ukushintsha kwezimo ophilayo. Ikheshi isitifiketi dolobha womama ingasetshenziswa ukuthuthukisa indlu noma indawo umkhaya ophila ngazo. Kufanele ikhumbule isimo main ohlobene ingcebo okusha Aphathimenti noma indlu akufanele kube ngaphandle kwelive letfu.
4. Ngo-2016, into entsha ohlwini target - akhokhe isinxephezelo kwezimpahla namasevisi okuyizinto ezidingekayo ukuze kulungiswe abantwana abakhubazekile.

Kubalulekile ukukhumbula ukuthi ukusetshenziswa kwezimali kungenziwa iqondiswe ikhambi izinkinga eziningana: ngokwesibonelo, ukuba abuyisele ukubaluleka loan, esasiklanyelwe ukuze kuthuthukiswe izimo kwemindeni, ukwakheka engxenyeni sezikhalazo impesheni, ukukhokhela imfundo.

Ukudluliswa izimali njalo kwenziwe ngezithukuthuku inhlangano, okuyinto unomthwalo ukuhlinzekwa amasevisi ngenhla nge-QMS. Futhi, abaningi banesithakazelo umbuzo: Ingabe kungenzeka ukusebenzisa inhlokodolobha lomzali cashing? Cha, ukuthola ukheshi, imali okunjalo akunakwenzeka. Yonke imisebenzi enjalo kunqatshelwe ngokomthetho.

inhlokodolobha nokubeletha lapho ungakwazi ukusizakala ekuqaleni?

Kwezinye izimo, ihlinzeka ukuthi kungenzeka ukusetshenziswa ekuqaleni ye-QMS. Ungasebenzisa inhlokodolobha umzali babengagwetshwa iminyaka engaze ibe 3 ngezinhloso ezilandelayo:

• Kutfolakala ukwakhiwa kwezindlu ngezithukuthuku loan, ekhishwe inkampani yasebhange noma inhlangano yawo ibe esemthethweni;
• inkokhelo yesikweletu kanye inzalo enqwabelene ebolekelwe okhona, sathathwa sinombono esungula izimo umndeni eziphilayo (indlu / ifulethi, izindlu nokwakha kabusha ukuthenga).

Kungakhathaliseki e bangaki ungasebenzisa inhlokodolobha umzali, kubalulekile ukuqonda ukuthi ungakwazi ukukhokha kuphela amacala eziyisisekelo ku loan (oyinhloko inzalo enqwabelene). Imali sekwephuzile futhi izinhlawulo ekhokhwa esebenzisa umndeni akukwazi isitifiketi.

Yini imibhalo kudingeka ukusetshenziswa ekuqaleni isitifiketi?

Ngemibuzo kuphi ungathumela inhlokodolobha umzali, lapho kungenzeka ukuyisebenzisa ekuseni, waqonda, kodwa indlela ukuhlobisa it ngokomthetho? isiqondiso Early kusho isitifiketi umndeni ngenjongo ngenhla Kwenziwa ngesicelo umnikazi uma uthumela uhlu kwemibhalo edingekayo:

• isitifiketi esiqinisekisa yokufuna izindlu noma emsebenzini wokwakha;
• amakhophi amaningi yesivumelwano phakathi umboleki kanye nesikhungo sesikweletu;
• amakhophi amaningi yesivumelwano phakathi umboleki kanye nenhlangano lapho semthethweni bengatshelekwa;
• sicashunwa lesitsetfwe isikhungo credit phezu izikweletu ezisele ku loan / mortgage (lemali oyinhloko kanye nenani inzalo enqwabelene ku loan);
• idokhumenti eqinisekisa ubunikazi atholwe / esakhiwe / luhlobo esilungisiwe;
• ikhophi kamazisi bobabili abazali;
• amakhophi okwangempela of zokuzalwa zonke izingane;
• amakhophi isitifiketi yoqobo Ukuhlinzeka ngezinhlelo zokuseka isimo.

Kushiwo ngamuphi umqondo ukuthi ukusetshenziswa inqubo?

Ngemva kwemigomo ifomu ekhethekile isicelo futhi anikezele ukuze yesikhwama sempesheni Kufanele ulinde isinqumo (kungaba okuhle nokubi). Igama elithi yokucabangela lolu hlelo lokusebenza izinsuku ezingu-30. Uma sivunyiwe, kumele ufake isicelo ebhange noma enye inhlangano ukuthi ikhiphe esivumelwaneni sokubolekwa kwemali noma lapho sihlelwe ukukhipha loan noma indlu, ukuxoxa imibuzo eyengeziwe zezimali. QMS izodluliselwa kwezibopho zokukhokha ngaphansi loan ngekhompyutha.

isiphetho

Njengoba isiphetho, umbuzo ka esingakanani ungasebenzisa inhlokodolobha umzali, kufanele kuphawulwe ukuthi ukukhiqizwa kulolu hlobo lokusekelwa umphakathi kungaba kwenziwe emva ingane eba neminyaka iminyaka emithathu (kwezinye izimo wanakekela kungenzeka kokuthola okuqala e-QMS) ngokwengxenye noma ngokuphelele inani ngesicelo umnikazi isitifiketi.