Izinkokhelo womkhaya osemncane ngesikhathi sokuzalwa. izinkokhelo Social emindenini abasha ukuthenga izindlu. Ilungiselelo nezinzuzo zezenhlalo emindenini abasha

Ngakho, namuhla sizozama ukuqonda ukuthi yini imindeni abasha bavalelelweni izinkokhelo Russian ngaphansi kwezimo ezithile. Ukusekela cell emphakathini - kungumsebenzi kahulumeni. Wenza eRussia, kodwa ngaso sonke isikhathi ukusebenza ngaphandle kwezinkinga ukuthola izitatimende ukwesekwa. Ngakho-ke kuyadingeka ukuba banake izici eziningi izinzuzo. Ngenhlanhla, ukwesekwa wombuso. A ezihlukahlukene izinzuzo, bofeleba netinhlavu co-ngezimali nezindlu - konke lokhu ungathola womkhaya osemncane. Ngakho lokho izinkokhelo ifakwa e iyunithi efana emphakathini? Yini edingekayo ukuze uthole ukusekelwa ngokwezimali eRussia? Yiziphi izimo okumelwe ahlangabezane nazo? Qonda yonke lena akuyona njengoba kunzima njengoba kubonakala.

umndeni Young - kungcono ...

Isinyathelo sokuqala ukuba baqonde lokho okufundiswa womkhaya osemncane. Kakade, ukungabondli wonke amaseli emphakathini banikwa isimo. Kuphela inombolo ethile abantu ziwela ngaphansi nale ncazelo.

Manje womkhaya osemncane ibizwa ngokuthi umshado lapho indoda nomfazi akuyona 35 eminyakeni (kwezinye izimo-30). Futhi lokhu kungakhathaliseki benezingane. Okungukuthi, uma okungenani engu 35/30 ubudala (nomkakhe, kakhulu), ungakwazi ngokuthi womkhaya osemncane futhi, ngenxa yalokho, ukuthola ezihlukahlukene ukuxhaswa okuvela embusweni, hhayi kuphela njengoMhlengi iyunithi ezivamile umphakathi, kodwa futhi njengoba abasha. Ezinjalo zisiza kakhulu. Kodwa sisikhulu izinzuzo zomphakathi emindenini abasha ukuthenga izindlu noma ukuthenga umhlaba (indlu). Phela, inkinga main manje - kuba phambi efulethini lakhe siqu.

imindeni Young - zamanani aphansi

Kuyinto lokhu mxhaso kufanele ucabangele saziso. Phela, kuyasiza ukuthenga izindlu ngaphansi kwezimo ezimvunayo. Isimo uzothola efulethini abo, ngakho buthule wahlala khona nezingane zabo.

ukuthandwa Kakhulu zohlelo "umndeni Young". Kusiza yokufuna izindlu abantu abanezimo ezithile. Futhi ukusizakala ke abantu nezingane noma ngaphandle kwabo.

Le nkokhelo kuyinto umndeni izindlu ezincane iyatholakala ezimweni ezithile. Ingabe uqale ukuthobela imithetho ethile. Kodwa ngazo kamuva. "Umndeni Young" Uhlelo ingasetshenziswa ukumboza ingxenye izindleko ifulethi ku inkontileka yokuthengisa, futhi mortgage obolekisayo. Inani yokukhokha incike kunamalungu amaningi omkhaya. Yiziphi izimo kuzofuneka ukuthi athobele ukuze ulethe imibono ekuphileni?

Conditions of iqhaza kuhlelo "umndeni Young"

izinkokhelo Social emindenini abasha ukuthenga izindlu, njengoba kuye kwashiwo, ikhishwa ngaphansi kwezimo ezithile. Kufanele athobele kwezimo ezithile. Kungenjalo ngeke bakwazi ukuhumusha imiqondo ukuba lithathe isinyathelo.

Okokuqala, kufanele kubhekwe zethu ezincane. Kulokhu, isigaba oneminyaka engaphansi kwengu-35. Abantu phambi kulonyaka (okufakayo) ayafaneleka ukuthola izibonelelo ngaphansi kohlelo "umndeni Young".

Okwesibili, iyunithi yezenhlalakahle Kuphoqelekile okufanele zihlonishwe njengobukhosi abadinga izimo izindlu ezingcono. Lena kumele, ngaphandle okuyinto ngisho ukugujwa zonke ezinye imithetho akunjalo. Njengomthetho, bedinga izimo ezingcono izindlu babhekwa njengabantu abantu:

• abahlala eziphuthumayo izindlu ;
• ophilayo nomuntu unesifo eziyingozi;
• ngokungabi bikho esiphansi esidingekayo induduzo yokuhlala (isib okungaxhunyiwe ku-intanethi ukususwa amanzi);
• uma kukhona abantwana bakwa nabesifazane ezahlukene, futhi bahlala egumbini elilodwa.

Futhi banake yokuthi uma lezi zinto unganelisekile, ungalilahli ithemba. Phela, kukhona amazinga athile square metres umuntu ngamunye efulethini. Ezimweni lapho amavidyo angaphansi kwaleso esibekiwe, esinguJesu ungabhalisela iqhaza kuhlelo "umndeni Young". Okwamanje, imithetho sesifunda ukwesekwa izifundazwe ukuthi abantu banelungelo lokuthola umxhaso uma banayo angaphansi kuka-15 square metres umuntu akhawunti 1.

Okwesithathu, izinkokhelo ukwakhiwa imindeni abasha (kanye ukuthengwa kwezindlu ngokukhethekile) itholakala kuphela uma iyunithi emphakathini isimo bebodwa ukuba abe namandla enani ukulingana ezweni / amafulethi. Lokhu kusho ukuthi kumele abe imali ezinzile. "Umndeni Young" Uhlelo ayitholakali kulabo azisebenzi futhi abakwazi ukukhokhela lemali esele.

Okwesine, abahlanganyeli kumele izakhamuzi Russian. Abezinye Izizwe abakwazi ukubamba iqhaza kuhlelo lwe "umndeni Young". Ngaphansi kwanoma yiziphi izimo. Kuphela uma ungathola ilungelo lokuba izakhamuzi WaseRussia.

Ukukhokhwa umndeni izindlu abasha, njengoba sekushiwo, inikezwa kuphela ukutholakala efulethini silinganise izindleko ezweni noma ukuzilimaza pay. Yini okufanele ibe iholo ngo-2016 kusukela umndeni, ngakho-ke ayenelungelo iqhaza kuhlelo? Ziyakwazi:

• okungenani 21 621 ruble - ukuze umndeni 2 abantu;
• 32 510 ruble nangaphezulu - ebukhoneni amalungu omndeni 3;
• uma umphakathi 4 ingqamuzana yomuntu, isabelo sezimali salo akumele kube ruble esingaphansi 43 350.

Lezi imithetho njengamanje ezisebenza eRussia. Yiqiniso, ayanda engenayo emndenini, aba maningi amathuba okuba ugcine ungadikibali. engenayo lokungakahleleki ayikwazi kufakwe imali yomkhaya, gcinani lokhu engqondweni. Uma uza ngaphansi zonke izinto ngenhla, ungakwazi ukuqoqa uhlu ezithile kwemibhalo wathumela kokuthola ukwesekwa uhulumeni.

Imibhalo ye-"umndeni abasha" Uhlelo

Ngakho, manje kufanele wazi ubukhulu wabeka imali ohlelweni "umndeni Young", kanye nohlu izibambiso ukuthi kuyoba wusizo uxhaso izinkokhelo. Okwamanje, inkokhelo ikhava yethu yamanje cishe 30% yezindleko izindlu. Kodwa lemali ethile imali iyahlukahluka sithembele. It kuncike kunamalungu amaningi omkhaya. Ngakho, kuvela ukuthi umndeni:

• kusukela 2 umuntu uthola mayelana 600 000 ruble nezezindlu;
• zabantu 3 - ruble ayizigidi 800;
• 4 - 1 sesigidi sama-ruble.

Uma ufuna ufanelekele lezi zimali, kufanele basheshe. Ngemva kwesimiso "umndeni Young" has a umkhawulo wesikhathi. Manje bathi kuzoba kusebenza kuze 2020. Mhlawumbe-ke uzobe enwetshiwe noma zisuswe ngokuphelele esikhathini esizayo. Kuyinto ngokucacile awubalulekile ukubambezeleka.

Izinkokhelo emindenini abasha ukuthenga izindlu itholakala kuphela uma inani elithile imibhalo. Lokho kufanele zithunyelwe ukuze iqhaza kuhlelo yesibonelelo sikahulumeni "umndeni Young"? Ziyakwazi:

• isitifiketi somshado;
• izitifiketi zokuzalwa zonke izingane;
• i kula BTI mayelana indawo yakho yamanje lokuhlala;
• usizo kwamanye amalungu omkhaya;
• imibhalo efakazela imali yakho;
• ikhophi irejista indlu ;
• passport civil esinikezwe imvume yokuba yisakhamuzi;
• isicelo sokubhalisa;
• isitifiketi izitatimende zasebhange;
• sivumelwano ilungelo lokuhlala kuwo yezenhlalakahle (uma ekhona);
• Imibhalo zetayitela umhlabathi;
• inkomba kusuka (2-PIT);
• Mortgage inkontileka yemali / ukuthengwa nokudayiswa impahla (uma ekhona);
• Amarekhodi okusebenza ngokuphelele (futhi amakhophi abo);
• yesahlukaniso / ukufa (imikhaya enomzali oyedwa).

Uma yonke imibhalo baye baqoqa, ungaya uMnyango wezeziNdlu endaweni ohlala ukuze uthole ohlwini elinde iqhaza. Thina Kuzodingeka ulinde isikhashana eside. Futhi uma ukuhlangabezana nazo zonke izidingo, izothola soxhaso okunikezwa izindlu noma ukwakhiwa.

womama inhlokodolobha

Akukona zonke izinkokhelo emindenini abasha, kodwa munye kuphela uhlobo yesibonelelo sikahulumeni. Njengoba umkhuba ubonisa, nucleus abasha emphakathini banelungelo hhayi kuphela iqhaza kuhlelo federal ngokuthi "umndeni abasha". Imindeni ukubeka zonke ezinye izinhlobo yesibonelelo sikahulumeni. Ngokwesibonelo, inhloko-dolobha womama.

Okufanele ukwazi ngalokhu samuntu, nokusekelwa isimo? inhlokodolobha nokubeletha - izinkokhelo womkhaya osemncane lapho kuzalwa okungenani ingane yesibili. Ilungiselelwe e nani. imindeni Young ungafaka isicelo salokhu ukwesekwa ngendlela efanayo njengoba wonke amanye amaseli umphakathi, lapho kunezingane ezingaphezu kuka-2. Izimali kumelwe sisetshenziswe, noma imfundo / ekwelapheni ingane, noma yokuthuthukisa bahlezi. Inketho mithandazo ihlangabezane njalo kunabo.

Manje matkapital kuyinto ruble 453.026. Uzodinga wayithola zisebenze Pension Fund ne imibhalo efanele. Ziyakwazi:

• izitifiketi zokuzalwa zezingane;
• SNILS ingane engibathandayo lokuxhasa etholwe;
• identity ikhadi of Abameli;
• isicelo sesibonelelo.

Akukho okunye okudingekayo. Akunandaba ukuthi udinga umndeni noma cha. inhlokodolobha nokubeletha isatholakala ukuze bonke abafakizicelo nsuku saziso. Nokho, kanye kuphela. Okusho ukuthi, uma esezele ingane yakhe yesibili, usuvele wathola le nkokhelo, ngemva lwesithathu ukukwenza futhi ngeke kusebenze.

yinhlama-sum isibonelelo

Kodwa akugcini lapho. Izinkokhelo womkhaya osemncane nge izozalelwa umntwana kulolu hlu akugcini lapho. Into wukuthi ungathola isamba semali ukuze ezincane ngamunye. Lolu hlobo yesibonelelo sikahulumeni kufanelekile bonke abazali. Kungakhathaliseki ukuthi umncane noma cha.

Inani inzuzo kuyinto 15 382 ruble 17 kopecks. isamba okunjalo khishwa kuze bonke: kokubili umsebenzi nabazali-non-ukusebenza. Esimweni sokuqala udinga ukuxhumana umqashi, okwesibili - enkonzweni ka ababasekelayo sabantu. Akunandaba ukuthi bangaki abantwana usunayo - selekelelo iqinile. On nomklamo walo unabazali entsha kuzobonakala kuphela izinyanga ezingu-6 kusukela ukuqala ingane iyazalwa. Uma lokhu umnqamulajuqu is uphuthelwe, ngeke ukwazi ukuthola izinzuzo.

Inkokhelo babengagwetshwa iminyaka engaze ibe eziyisithupha

Izinzuzo elandelayo yezenhlalakahle imikhaya abasha ifakwa nsuku saziso. Sikhuluma izinzuzo ekunakekeleni ingane. It ikhokhelwa ingane ize ifinyelela eminyakeni 1.5. By the way, lolu hlobo ukwesekwa inikezwa nsuku saziso kuyo yonke imikhaya lapho umntwana wazalwa. Kungakhathaliseki, ngisho ngabe iqembu abasha emphakathini noma cha.

Umxhaso ukunakekela ingane incike isibalo sezingane ezincane. Futhi kubhekelwe umsebenzi wakho - uma owesifazane eke isebenzile ngaphambilini, ukukhokhelwa kwemihlomulo zizokwenziwa iphethini ethize. Okuningi ngokunembile, uzonikezwa 40% isilinganiso somholo iminyaka engu-2. Kodwa uma sikhuluma ababasekelayo, izinkokhelo emindenini abasha (kanye nazo zonke ezinye amaseli emphakathini) inikeza usizo lomphakathi ukuze labantu maphakathi amanani fixed:

• 2884 ruble 16 amasenti 1 ingane;
• 5768 ruble 31 kopecks phezu izingane yesibili futhi okwalandela.

Kufika engu-3

Futhi, kukhona inkokhelo ngenxa isaneli kuze iminyaka 3. ukweseka uhulumeni onjalo akuyona likhulu kakhulu. Ngakho-ke, abaningi bamshaya indiva kukho. izinkokhelo zemali emindenini abasha kuleli cala bekungaba ruble angu-50 kuphela ngenyanga. Inani efanayo iyatholakala kuwo wonke amaseli emphakathini nezingane ezincane.

Yingakho design kwala izinkokhelo akuyona ukhathazeka kakhulu mayelana nenani labantu. Kodwa uqaphele ukuthi ruble noma ngezinye 50 kusukela isimo ngemuva ingane ifinyelela eminyakeni 1.5 futhi kufika ku-3 bakhe usuku lokuzalwa zifanelekile. Ngisho noma umkhaya awukwazi abadinga usizo.

Futhi banake yokuthi eyingane, kungakhathaliseki ukuthi umkhaya azalwe, kumele anikeze yonke imithi edingekayo khulula ukuze bayothola ukwelashwa. Uhlu kwemithi etholakalayo kuyodingeka ukuhlola emtholampilo nawe lapho khona ingane. Kufika engu-3, unelungelo ukuze sifanelekele lesi inzuzo. Yebo, akusiwona manual, kodwa futhi kuyindlela enhle kuxhaswa kuhulumeni.

Isicelo sokubhaliswa

umndeni abasha njengoba lokukhokha ingane lokuzalwa ayatholakala ukubhaliswa ekuqaleni kanye izimali. Okuningi ngokunembile, lolu hlobo isimo lufakwa bonke abesifazane abaye waqala ngokushesha kubonakala emtholampilo. Kuleli qophelo kufanele zibhaliswe njengezinhlangano ukhulelwe, kungakadluli 12 esesibelethweni.

Uma wenza lokhu, esezele ingane nihlela isamba semali. Hhayi okuningi kakhulu, kodwa kwenzeka. Wena ngabeka ama-ruble 576 83 kopecks. Isibambo kumele kube enkonzweni ababasekelayo sabantu. Kube niletha iphasipoti, isitifiketi sokubhalisa ekuqaleni, isicelo izinzuzo.

Ukusekela kusukela kuMbusi

Futhi, kukhona inkokhelo ukuze imikhaya abasha kuze kube iminyaka engu-30. ERussia, kukhona izinhlobo ezimbili wombuso aid. A yombuso kanye zesifunda. Zonke izinguqulo ezandulele ukusekelwa kahulumeni ezingeni sikahulumeni. Kodwa izinkokhelo lesifunda hhayi laziwe kubo bonke. Futhi abaphatha ngayo umndeni abasha njengoba iyunithi nomphakathi, lapho abangane bomshado akudingeki iminyaka engu-30 (okufakayo). Okunye imikhakha izakhamuzi ngeke bakwazi ukuthola le ukwesekwa.

Izinkokhelo womkhaya osemncane (kuze iminyaka 30, lo mbhangqwana) ezingeni lesifunda Cishe njalo wabeka. Ngokuvamile bebizwa uxhaso gubernatorial. Ezindaweni ezahlukene usethe ezahlukene usizo usayizi imali. Ngokwesibonelo, e-Kaliningrad ungathola ruble 3500 abe ngumbusi. Isibambo kungaba enkonzweni ababasekelayo sabantu. Kufanele uthumele amadokhumenti athile lokhu kukhokha. okungukuthi:

• izitifiketi zokuzalwa zezingane;
• isicelo;
• ikhadi elibonisa ukuthi ubuthiwe,
• imininingwane ye-akhawunti i-ukudluliswa kweemali.

Ngokuvamile ukuhlinzekwa nezinzuzo zezenhlalo ezingeni lesifunda imikhaya abasha senzeka ngaphandle kwezinkinga. Kuphela ungathola ukusekelwa okunjalo ngesikhathi. Undunankulu wakhipha ingane ngayinye.

umndeni elikhulu

Yini ongayilindela? Izinkokhelo emindenini abasha ukubeka ezihlukahlukene. Ezinye zazo zifana nomunye. Enye - uhlelo uhulumeni ngokuthi "umkhaya omkhulu". Kungase bahlanganyele kuphela iyunithi abasha emphakathini. Kulokhu, khumbula ukuthi izingane eziningi ezocatshangelwa kuphela uma okungenani ibe 3 abantwana abancane. Okuwukuphela kwendlela uzokwazi ukubamba iqhaza kulolu hlelo. Yini-ke unikele? Uthola:

• 30% isaphulelo for Izinsiza (gas, amanzi, ugesi);
• ezindaweni zasemakhaya 30% isaphulelo on Ukushisa;
• Ukukhulula esinqunyiwe noma ephelele wentela yomhlaba;
• uxhaso ekwakheni izinto ukwakha indlu;
• usizo kumiswa ibhizinisi kanye nabalimi (isibonelo, yokukhululeka izinkokhelo ayimpoqo).

Okunye izinzuzo

Iziphi ezinye izinzuzo ifakwa emindenini emikhulu? Iningi labo. Manje Russia ungathola eziningi amathuba, okuyinto akubona bonke uyazi. Njengoba umkhuba ubonisa, izingane eziningi manje imindeni abasha Unelungelo:

• ukuthola imithi khulula izingane ezingaphansi kweminyaka eyi-6;
• khulula zomphakathi interurban ngaphakathi esifundeni;
• Ukwemukelwa enkulisa ngaphandle queuing;
• ukudla khulula ezikhungweni zemfundo (ezikoleni, izingadi);
• iyunifomu khulula noma Analogue yayo;
• ukungena mahhala ezindaweni kwamasiko kanye ngenyanga (kufaka nezingane).

Njengoba ubona, izinketho eziningi. Kodwa isithakazelo esikhulu ngokuvamile abangela izinkokhelo emindenini abasha (imindeni emikhulu kanye abavamile kanye). Thola nabo umkhuba kuba akulula njengoba kubonakala. Emva ukuhlangana yonke imininingwane ebalulekile lula. Wamaphepha osindayo uxhaso. Kodwa uma uzama, uthola ngokushesha ngangokunokwenzeka ukuqoqa wonke amaphepha adingekayo.

Uma zamukele

Abaningi banesithakazelo iphuzu elibaluleke, ezilandisa ukuhlinzekwa kuzo ukusekelwa ngezinto ezibonakalayo emindenini (kuhlanganise abasha) izingane. Cabangela ukuthi ukwamukelwa kwabancane?

Ngenhlanhla, yebo. Akunandaba, wena ngokwakho sebebelethile noma yokutholwa. Into esemqoka ukuthi sithwale eyingane. Vele uma ube esikhundleni yesitifiketi sokuzalwa kwengane ukubeka imibhalo eqinisekisa isimo somzali oyithathe wayenza eyakhe. It ngeke kusebenze ngaphandle isimangalo inzuzo kokuzalwa kwengane yakho, kanye ukubhaliswa ngaphambili ne emtholampilo. Zonke namanye amagranti okufake inani eligcwele.

izinkokhelo lesifunda

Inkokhelo imixhaso emindenini abasha kungathatha indawo, njengoba sesibonile, ezingeni lesifunda. Kuphela ukwengeza umbusi izisekelo ungakwazi ukuthola inzuzo yesikhathi esisodwa. Ayakhululwa at izifunda Russian mayelana 53. ubungako bawo kuhluka ruble 6000 futhi kuze kube 11 000. Kwezinye izimo, ungathola ngisho 15 000 imindeni abasha kusukela esifundeni.

Wena uyazi imininingwane efanele edolobheni lakho. Lolu hlobo yesibonelelo sikahulumeni kushintsha njalo. Ngakho-ke, kungaba idatha nokunokwethenjelwa kuphela kuhulumeni endaweni ethize.

Yilokho. Njengoba ubona, ezihlukahlukene nezinzuzo zezenhlalo atholakale imikhaya abasha. Wonke umuntu, uma izimo ezidingekayo, kukhona ithuba ukuze uthole izinkokhelo imali lobehlukene. Uma ukulungiselela pre-isiqalo imibhalo, uzokwazi ukuxazulula inkinga ngokushesha ngangokunokwenzeka. Lezi izinzuzo zomphakathi emindenini abasha (izindlu hhayi kuphela) abekwa eRussia.