Ukuthenga ikhaya inhlokodolobha umzali: imibhalo, izindawo. Loan ukuthenga ikhaya ngaphansi dolobha kamama

ukwesekwa State njengoba inhlokodolobha umzali inikeza ithuba imikhaya ukuze zithuthukise izimo izindlu zabo, ukuthola ingcebo ukubolekisa (mortgage) ukukhokhela emfundweni yezingane futhi hhayi kuphela. Ukuze bachithe izimali ezibekelwe ngangokunokwenzeka ngemva ingane eba neminyaka emithathu. Ngaphambi kwalesi sikhathi, kukhona kungenzeka ukusetshenziswa ekuqaleni yesitifiketi umndeni ukwenza inkokhelo yokuqala loan / abatshelekayo ku zokuhlala noma ukukhokha izikweletu ezisele ukuthi ubhekene nenkinga yezimali ekhona, nayo ekhishwe for yokufuna ingcebo. Ukuthenga ikhaya inhlokodolobha womama - elula futhi ngokuvamile indlela imikhaya kuphela ukuthenga noma bamba bahlezi. Ngezindlela eziningi, lokhu uhlelo lukahulumeni ukwesekwa enwetshiwe kuze 2018.

Ukuthenga ikhaya inhlokodolobha umzali: Imibandela

Thumela isitifiketi umndeni kusho ukuthenga ingcebo. Ngo-2016, leli nani kuyinto ruble abangaphezu kuka-450 eziyinkulungwane. Njenganoma yimuphi omunye umcimbi, ukuthenga umuzi ngaphansi dolobha kamama has izici zayo siqu futhi umehluko wemisindo nemiqondo yamagama, okuzoxoxwa kamuva.

1. Indlu idinga ingashintshwa ukuze uhlale ngasiphi isikhathi sonyaka kufanele kube imiculu afakazela lokho. "Dacha" ongakhetha ngeke isebenze - ukuthengwa ukwakhiwa okunjalo akunakwenzeka ukuheha ukweseka uhulumeni.
2. Izwe lapho indlu ikhona, kumele labizwa ngokuthi "umhlaba ukuze kwakhiwe ngabanye." Kungenjalo, ukuthola ukuxhaswa okuvela embusweni ukuze uthenge le ekhaya kuyothiwa waphika.
3. Ngezithukuthuku yesibonelelo sikahulumeni abakwazi bethola kulo umhlaba ukuze kwakhiwe ikusasa indlu yokuhlala. Njengoba ingxenye blank asifanele pilo ngalesosikhathi ibhekwa yokuthengwa kwakhe njengoba kuyinto engenakwenzeka ukuthuthukisa izimo zokuphila
4. Ukuze uthenge indlu efulethini ngaphansi inhlokodolobha womama kwakunokwenzeka, kumelwe kube khona isikhala inkontileka sokuthengisa nomnikazi wamanje.
5. Uthenge indlu kufanele ihlukaniswe ukwabelana phakathi wonke amalungu omkhaya. Ukuze uvikele i-ukuzimisela kwabo impahla division kufanele notarize lesi sibopho futhi asinike namanye amadokhumenti ukuze yesikhwama sempesheni emphakathini.

Kuphi ukusizakala inhlokodolobha umzali?

Ukuqondisa kabusha kwezimali ukweseka isimo ababhekene ukwehlukana yesikhwama sempesheni. Kube kufanele uthintane, ukuthatha naye uhlu kwemibhalo, abalwe ngezansi. Sicela uqaphele ukuthi, nakuba kuyoya ngezimo ngamunye, lolu hlu kungashintshwa. Yekuchumana kumele icaciswe ngqo umfanekiso RPF emphakathini.

Imibhalo for yokufuna ekhaya usebenzisa womama inhlokodolobha

Ukuze yesikhwama sempesheni ukumboza ingxenye inani lezindlu, kufanele uhlinzeke inani elidingekayo lamasheya. Umndeni kuyodingeka ukuqoqa amadokhumende alandelayo ukuthenga indlu ngaphansi inhlokodolobha umzali:

1. Isicelo ifomu okumele likhokhwe (ngisifake isicelo, ungakwazi phambili ngokulanda ifomu kwi website esemthethweni ye-ejensi noma uMnyango FIU).
2. Umazisi omele umndeni, oletha isicelo futhi ikhophi yale dokhumenti.
3. SNILS.
4. Isitifiketi ukwesekwa isimo.
5. Izitifiketi zokuzalwa zonke izingane futhi amakhophi abo.
6. Ikhophi yesivumelwano ukuthengwa zokuhlala.
7. Ikhophi ye-idokhumenti eqinisekisa ubunikazi uthenge yokuhlala ingcebo.
8. Siza ngolwazi mayelana nenani ukuthi kumelwe nalo likhokhelwe ngokuvumelana inkontileka sokuthengisa.
9. Idokodo kwasayinwa esiqinisa ukuthi ukubhaliswa ingcebo Kuhlelwe jikelele share impahla.

Nale setha kwemibhalo kufanele uvakashele ihhovisi yesikhwama sempesheni ku yokuhlala. Igama elithi ka Ukucabangela lesi sicelo ngeke idlule izinsuku ezingu-30.

Ukuthenga loan ekhaya ngosizo ukweseka isimo

Uma kwenzeka uma ungakwazi kuphela imali yabo bayisebenzisela ukuthenga indlu yokuhlala, ungakwazi ukusebenzisa amabhange noma zokuthenga ngesikweletu kanye ukukhipha imali ebhange. Ngesikhathi esifanayo, kubalulekile ukuthi ngesikhathi esifanayo ukuthola ebhange imali kanye nesimo ukusekela isitifiketi akukwazi. Okwamanje, isitifiketi umndeni uma sisebenzisa loan kungenziwa kusetshenziswa njengendlela yokukhokha phansi imali-mboleko noma njengoba isamba ngoba befuna imbuyiselo ye loan ekhona.

Lapho ungasebenzisa isitifiketi ukuthenga ekhaya?

Asikho isidingo ukulinda kuze kube ingane eneminyaka emithathu - I-ezinjalo ukusetshenziswa ekuqaleni etholakalayo ye izimali ezibekelwe nguhulumende. Sebenzisa dolobha womama njengoba inkokhelo yokuqala kwi loan ku indlu kwakuthiwa kungenzeka, kodwa umkhuba kunzima ngempela ukwenza. Ubunzima main itholakala lokuthi ukuthi akukungakanani esikweletu yasebhange izikhungo ukuthi bazimisele ukwamukela njengendlela yokukhokha kuqala ku isitifiketi izimali. Ngisho noma ukuphatha ukuthola isikhungo sezezimali bese credit sokuthenga umuzi ngaphansi dolobha kamama, kungenzeka ukuba isithakazelo ethe xaxa kwi loan kunawe ukwenza inkokhelo yokuqala imithombo siqu. A engcono kakhulu ukusebenzisa imali yabo siqu ukuze ukhokhele inkokhelo phansi isiqondiso unina capital inciphise ukweletwa ku ukucutshungulwa loan.

Loan ngaphansi inhlokodolobha womama ukuthenga indlu: Mabhalane Umhlahlandlela

Kulokhu, circuit ubukeka kulula kancane:

• udinga ukuxhumana ibhange noma isikhungo sekhredithi ukukhipha loan khona, usebenzisa imali yayo ukukhokha isitolimende sokuqala;
• ukuthenga yokuhlala ingcebo, wathola idokhumenti esiqinisekisa ubunikazi zokuhlala;
• xhumana nehhovisi RF Pension Fund emphakathini ngenhloso ngokubhala isicelo wokudlulisela izimali ukuba abuyisele ingxenye yemali ebolekwayo, okuyothi sathengwa ekhaya by dolobha kamama;
• ethola isinqumo esihle ngemuva ukubuyekeza isicelo futhi ukuthola ulwazi oludingekayo, kufanele uxhumane ibhange ukucacisa okwenzayo.

kuphetha esiteji

Uma usingatha yesikhwama sempesheni ebhale isitatimende kumele zithathwe nge wonke amadokhumenti efanayo yabalwa "Imibhalo ukuthengwa indlu nge ukubandakanywa isimo. ukwesekwa "futhi isivumelwano ne ebhange. Kufanele uthole isikhungo credit isitatimende esikhombisa khona isikweleti sakhe futhi ubukhulu bawo. Emva kokuhambisa yonke imibhalo ehhovisi yesikhwama sempesheni we Russian Federation, kubalulekile ukulinda izinqumo zayo, njengoba kwaba njalo endabeni yokuqala, kuhlolwe isikhathi esingeqile ezinsukwini ezingu-30.

Ukuthenga ikhaya inhlokodolobha umzali kuzothatha isikhathi, kodwa kusetshenziswa inhlobo yomxhaso wombuso, kungenzeka ukuba abuyisele ingxenye yesikweletu esikhulu ku ngemali yokwakha.