Inhlokodolobha nokubeletha ngoba imoto: umthethosivivinywa

Ngo-2007 wabuthelwa futhi wazitholela umthetho federal "Ngo womama inhlokodolobha", futhi ngo-2016 wanwetshelwa kuze 2018. Umthetho uhlinzekela yokukhokha usizo lwezimali emindenini ngubani sebebelethile noma sebemukele izingane kwesibili, kwesithathu futhi okwalandela. Ukuthengwa kwezindlu, ngokuvumelana Pension Fund, wachitha cishe 94% azo zonke izimali.

Emuva ngo-2015 ekuthatheni isinyathelo zamaphini ucabangela ukuthenga imoto phezu womama dolobha izimali ezikhishwa Dmitry Medvedev. Nokubeletha capital for imoto? Nokho, labo abangababiziweyo ngokumelene isinqumo esinjalo, babekhona iningi, ngakho lo mthethosivivinywa ayizange yamukelwe.

Ngemva kweminyaka emibili, ngo-March 17, 2017, i-Duma State kwethulwa umthetho omusha evumela ukusetshenziswa womama capital for ukuthengwa kwezimoto ngemgwaco.

Ungasebenzisa inhlokodolobha womama ngoba imoto?

Ngaphansi kwethonya umthetho awela imindeni emikhulu, ababheki, izingane ngabantu abangebona abazali bazo kanye nemindeni nezingane abakhubazekile abangakwazi banezingane ezimbili noma ngaphezulu (kwezinye izindawo enhlokodolobha umzali anikezwe emindenini phezu kokuzalwa kwengane yabo yokuqala, abanye - ne umthamo wemvula wesithathu). Izikhulu zohulumeni ziye wasikisela ukusebenzisa inhlokodolobha womama ukukhokhwa loan bathathwa ukuthengwa imoto. Kodwa lo mthethosivivinywa enquma emuva kungenzeka ukwenza izenzo ezithile zomthetho nge ezokuthutha: ugibele imoto lingathengiswa kuphela ngemva kokunyamalala iminyaka emithathu kusukela osukwini othenge.

Uzothini ngomthetho omusha?

Izinguquko ezenziwe ohlongozwayo ezokwenza keleni izakhamuzi abangakwazi ukuqonda kahle lapho kungcono ukuchitha izimali ekhishiwe. Mayelana 47% obaba nomama ungakafaki sicelo usizo isimo.

Ukwamukelwa komthetho uzokwazi zokuthuthukisa emakethe imoto futhi kuzosiza imindeni ukuba senze isinqumo esifanele. Imindeni nezingane uzokwazi ukuthenga ezokuthutha nemoto nabathengisi - abathengi.

Ezinye izinguquko okuphakanyiswe, isibonelo, akhokhe ukwabelana ngesibonelelo, ukunikeza imindeni ithuba athenge izwe, kodwa sipho sinqatshelwe.

Izimfuneko ukuthenga imoto

Uma kokucubungula bill ngeke sesingasebenza, kuyoba ukusungula izidingo eziyisisekelo for yokufuna imoto:

• kumele kube entsha;
• umzimba kumele ibe ngaphezu abagibeli abayisishiyagalombili;
• imoto kumele kwenziwe phezu Insimu Russian Federation;
• ilungu ngalinye lomndeni ithola isabelo;
• abazali anesibopho ukukhipha amalungelo share bona kanye kwengane ngayinye;
• ukuthengiswa imoto kuvunyelwe kuphela iminyaka engu-3 emva kokuthenga.

Epholisa le nentshiseko abazali ezisebenzisa inhlokodolobha womama emotweni yasekhaya kungaba, kuyilapho abantu abaningi bafuna ukuthenga imoto amazwe angaphandle, okuyinto umthetho alinikezi. Okudingekayo kufanele abulawe kuphela uma izimali uzobe esichithwe inhlokodolobha umzali.

inhlokodolobha nokubeletha ngoba imoto: i ngokumelene

Ukuze lithole ukuthi ukuchitha inhlokodolobha womama ukuthengwa imoto, kudingeka uhlole "kochwepheshe" futhi "nebubi."

Izizathu "ngoba" isinqumo esinjalo:

1. Imindeni abanezingane eziningi, kulula kakhulu ukuhamba ngemoto yakho siqu, ngaphandle ngezokuthutha zikamasipala.
2. Ungakwazi ngqo anqande ukunyakaza kwengane wezemfundo.
3. Uma umndeni uthola ingane abanokukhubazeka, bese umshini kuyoba kube into eza kuqala.
4. Car - usizo emindenini abanezingane abaya ezikoleni, amakilabhu, njll, okuyinto zitholakala ibanga engasekude nendlu ...
5. Imoto ingasetshenziswa hhayi kuphela izingane. Kungenzeka ukuthola imali.
6. Capital nezindleko lomzali ukuthengwa izimoto sikhuthaze umkhakha imoto yezwe.

Izizathu "ngokumelene":

1. ekugcineni Imoto ilahlekelwa value, futhi izingxenye ezisele for ke bayabiza.
2. Izimoto edayiswa izithakazelo abazali. Yena yenziwe omunye wabo, futhi uzohlala nanoma ubani isehlukaniso, hhayi ingane.
3. Uma uchitha imali yokuthenga imoto, owesifazane isikhathi eside ivuliwe sokubeletha, ngeke bakwazi ukuxazulula inkinga lapho kumiswa impesheni esizayo.
4. Izimoto lingathengiswa kuphela ngemva kweminyaka embalwa. Kungakhathaliseki ukuthi kwenzekani, ngithi goodbye phambi ngeke isebenze naye. Nakuba amandla ommeli engakaze kukhanselwe.
5. Nokubeletha dolobha okungatholakala wachitha kuphela imoto yasekhaya.

isipiliyoni yezifunda

Ukuze uqonde ukuthi izinto zihamba kanjani nge matkapitalom izifunda ungakwazi ucaphune isibonelo ezinye zazo:

1. Orel ukunikeza usizo impahla emindenini ngemva kokuzalwa komntwana wakhe wesibili.
2. Oluphethe matkapitalom e Kaliningrad futhi Ulyanovsk izifunda ngangokunokwenzeka ngemva kokuzalwa komntwana wakhe wesithathu.
3. Esikhathini Novosibirsk esifundeni futhi ngemva kokuzalwa umndeni ingane yakhe yesithathu sika uthola wombuso aid.
4. Ngo eKamchatka matkapitalom ungasebenzisa ngesikhathi sokuzalwa sokuqala.

Kuyoba ukuthi ezingeni federal, bill?

isinqumo abavumelene ngaso okwamanje. Amanye amalungu bakholelwa ukuthi Ukwamukelwa bill lengasita imindeni kanye emnothweni wezwe, kanti abanye isiqiniseko sokuthi ngeke wenze umuntu omuhle. Nokubeletha capital for imoto ayikahlanganiswa bavunyelwe ukusebenzisa, kodwa bakubheka njengobuthakathaka. Labo abamelene ukusayinwa umthetho kusikisela ukuthi kungcono ukuthumela inhlokodolobha umzali ohlangothini ezikahle, isibonelo ukuthenga izindlu, ngoba imoto unyaka ngamunye uzolahlekelwa value abo, kanye nezindlu, kunalokho, ukuze ikhule. Ukuthenga imoto angeke kakhulu kuthinte ukukhula yokuthengisa izimoto ezintsha.

Ezinye amalungu ePhalamende bayaqiniseka ukuthi akufanele umthetho ukuthi ungasebenzisa dolobha womama ngoba imoto (bill), njengoba ne imoto ezinye nomndeni neblagochinnye uzokwazi imali dolobha womama ngu yokubhaliswa amandla ommeli besithathu futhi ukudluliswa kwezinto zokuhamba eziya ukusetshenziswa kwabo ukuze athole othile inani lemali.

Abanye kukhona izikhulu zikahulumeni bakholelwa ukuthi imodeli ngemindeni nezingane engaphezu kwemibili kunjengasezinsukwini yokufuna ezibalulekile, kanye nezezindlu. Uma ufuna ukuthenga imoto ke kungani enqabela ke? Abantu bakhululekile zizenzele izinqumo zazo, yini ebaluleke ngaphezu kwalo: izindlu, iinthuthi, umhlalaphansi noma imfundo yezingane.

Abanye emkhayeni omkhulu babe nemibono yabo. Imali yesikole kanye nempesheni ukonga kuyodingeka kamuva, izitholele nezinto zokuya idinga namuhla, t. Ukuze. Izingane kufanele zifunde ezikoleni zemfundo nsukuzonke.

Ekuphetheni

Lizothola Ukuchitshiyelwa the bill, kukuwe zamaphini. Kufanele ubuyekeze isipiliyoni izifunda, ukuze enze isinqumo esifanele. Kubalulekile futhi ukuba sihlaziye ngokucophelela ngobuhle nangobubi bawo onke alo mthetho.