Izimali, Mortgage
WezeZindlu abombutho: abatshelekayo Military. Kuyini mortgage ezempi? Mortgage ngoba servicemen esakhiweni esisha
Njengoba wazi, inkinga yezindlu - omunye obalulekile, hhayi kuphela e-Russia kodwa futhi kwamanye amazwe. Amasosha ngayo kule ndaba yilena neze okuhlukile. imindeni eminingi amasosha nezikhulu kufanele ungqongqoze mayelana amashumi eminyaka ngesikhathi efulethini aqashiwe zingenalo ithemba emakhaya azo.
Ukuze balungise lesi simo, Russian urhulumende usungule okhethekile. yena "Military Mortgage" libizwa. Yini ochwepheshe entsha bavela? Futhi indlela uhlelo olusha kuyokusiza wezempi ekutholeni emakubo? Funda ngezansi.
Kuyini lokhu?
Act lula ukuphila wezempi, ke wamukelwa ngonyaka 2004. Njengoba ehlelwe yi-Government of the Russian Federation Le dokhumenti kunqotjhwe ngalo ukunikela lempi izindlu ukhululekile ngemibandela oyithandayo. Lolu hlelo ikhuthaza yokonga mortgage uhlelo (NIS).
Ngakho, mortgage lempi - lokho futhi kanjani? Ake siphenye. Ingqikithi yalo Uhlelo itholakala lokuthi ukuthi likhona isosha ungabhala umbiko esihambelanayo futhi uqale ukugcinelwa efulethini abo. ngemva nokufakwa izitatimende kangaka ngokwesayensi eminyakeni engu-3 ufanelekele ukuthola abatshelekayo on ngesisekelo oyithandayo. Isici yalesi Ikhredithi ukuthi izikweletu ingakhokhwa kusuka izimali siqu ezempi kanye esiphezulu. Ikakhulukazi, eMnyango Wezokuvikela. Kukhona lonke iyunithi, elibhekene nomse- nezindaba ezifana mortgage zamasosha. It okungukuthi egameni ekhethekile ukonga akhawunti umakhi ukudluliswa kwemali.
Ukunikeza wezempi a mortgage?
Uma inkontileka yebutho isiRashiya, futhi ungenayo emakubo, uyoyisiza mortgage lempi.
- wena induna, inkontileka yakho akukho ngaphambili kuka 01.01.2005 sasayinwa g.
- ukuphila kwakho sathatha isikhathi esingaphansi kweminyaka 3, kodwa uba isikhulu emva 01.01.08 g.
- Midshipman, futhi Ensign, inkontileka yakho ikhishwe ngemuva January 2005, futhi uye wakhonza iminyaka engaphezu kuka-3;
- amasosha, amatilosi, sergeants noma Usayitsheni (izimo ezifanayo);
- iziqu esikoleni sobusosha (ezinye ukusungulwa zemfundo), wathola i-diploma ngemva 01.01.05 futhi ngemvume;
- wena amasosha, ngabizelwa kusuka zibe sebuthweni lezokuvikela.
Ayikho enye yezinto, kufaka phakathi khona noma ukungabi khona komuntu oshade naye, ezinganeni, noma esinikezwe imvume yokuba yisakhamuzi, akuphazamisi kungenzeka kokubhaliswa mortgage lempi. Isimo wukuthi kumfakisicelo izindlu abombutho kumelwe abe yilungu NIS (yokonga mortgage uhlelo) okungenani iminyaka engu-3.
Imibandela ngo-2016
Kusukela 2016 inkinga izindlu zamasosha ukuza izinguquko ezithile. I-Russian Ministry Defense unqume ukulahla umkhuba lokukhipha izindlu "ngendlela efanayo", okungukuthi nje indlu noma ifulethi. Sebenzisa of ngeemali zezindlu, obabukhona kuze kube manje, kuphela labo uzokwazi CSKA, ngubani usayine isivumelwano kuze 2005. Kubo, zonke izindlu yakhelwe eyakhelwe Minoobrony sikhathi.
Zonke ezinye amasosha ungathola ifulethi noma indlu mortgage lempi. Kulokhu, isimo wanquma ukuba zilawule imigomo obolekisayo. Lokhu kusho ukuthi ukubhaliswa nemibandela noma bhange elibambe iqhaza kanti ohlelweni kuyoba cishe ezifanayo. Ukuze 2016. Lawa:
- Mortgage wezempi ekhishwe for lungene engu-25. Kulokhu, ekupheleni kwalesi sikhathi, lo muntu obolekayo kumele abe ngaphezulu 45. Ngakho uma ngesikhathi sokubhalisa ungaphezu kuka-40, ungalindeli yokwelula loan iminyaka engaphezu kuka-5.
- Inkokhelo yokuqala - okungenani ngo-10% izakhiwo zitholwa CSKA.
- Linganisela loan - 12.5% (isilinganiso).
- Umkhawulo lemali kungenzeka yezindlu abombutho - 2.4 million ruble Russian.
- Futhi-ke zaqhubeka nekhono angabuyisela izikweletu ngo-dolobha umzali ukuthola eyengeziwe umthengi credit ku ngaphansi kwezimo ezimvunayo.
- Lokho loan sivunyiwe, leli sosha labona ukuthi kumele abe inkonzo eqhubekayo hhayi ngaphansi kuka 12 izinyanga, 4 okuyizinto endaweni efanayo.
"I Commissar" igxathu negxathu
Uma unquma iqhaza "Military Mortgage" Uhlelo, loan kuyodingeka ukuba amphuzise ngezigaba. Ngakho-ke, ake sicabangele ngokucophelela zonke "imibuthano esihogo credit" sesosha Russian.
- Ukwenza isitifiketi NIS. Ukuze wenze lokhu, udinga ukufaka umbiko esifanele, wenziwa esihlelwe izinyanga 2-3. Ngemva lesi sixuku okuzokhishwa idokhumenti okuyinto isebenza izinyanga ezingu-6.
- Ezezindlu okukhethayo. Akukho komkhawulo, efulethini noma indlu, ungakhetha yisiphi isifunda yezwe. Kodwa uma unquma ukuthatha ngosizo Realtor, amasevisi yakhe kungadingeka akhokhe ekhukhwini.
- Ukunqunywa izindawo abolekise (ibhange) nokusayinwa inkontileka. Ngokusho uhlelo okunjalo izikhungo ezingaphezu kuka-20 yasebhange ezweni lonke, ngakho kufanele afunde zangaphambi izimo.
- Ukwenza isivumelwano eMnyango Wezokuvikela. Wakhe abasebenzi sizohlola yonke imibhalo futhi baba yabo nesignesha in kwezinsuku eziyishumi. Ngemva kwalokho, imali kuyokwenziwa adluliselwe ku-akhawunti yasebhange.
- Ukusayinwa imibhalo kwi ukudayiswa kwempahla.
- Ukubhalisa kwemibhalo. Ngokuvamile, kuthatha cishe izinsuku ezingu-7.
- Kwakuthinta kuphela Ngemva kwakho konke lokhu, ilitshe izimali zidluliselwa sokukhokhwa mortgage.
Umehluko ibutho mortgages and "isakhamuzi"
Ukuze sicacise umehluko phakathi mortgage ibutho isakhiwo esisha, noma isikhwama "ubudala" ezivamile isikweleti sendlu, ake wenze itafula elincane.
| Mortgage lempi | isikweleti sendlu esijwayelekile |
| Can kuphela uthole lempi - Nis abahlanganyeli. | Can ukudweba noma ubani. |
| Nezikweletu is phindisela Ministry Wezokuvikela. He is mortgage nezindlu. | Aphathimenti hits isibambiso ebhange. |
| Inani eliphezulu - 2.4 million Uma lokhu kunganele, ungakwazi ukwengeza kusuka izimali siqu .. | Isamba kunomkhawulo solvency ka umboleki kanye nobudala bakhe. Kungakanani ukunikeza - ukunquma ebhange. |
| Umthengisi izindlu lidlulisela ukuthintwa njalo kwamakhophi okuqala ebhange amasonto ambalwa ngaphambi kokuthi ukubhaliswa yesivumelwano. | Imibhalo ethunyelwe ebhange kuphela ngemuva kokuphothulwa isivumelwano kanye kuphela ukwenza amakhophi. |
| Isikhathi sokulinda inyuka ngenxa ukubambezeleka okungenzeka kube khona ukudluliswa kweemali kusukela Wezokuvikela. | Nokuthathelwa ekhishwe isheshe. |
| Ukubhalisa kwemibhalo eqinisekisa ukudayiswa into, kuthatha iviki. | Incwadi yesivumelwano zingaqoshwa isikhathi esingangenyanga. |
| Okokuqala, hlela loan, bese - inkontileka ka ukuthengwa nokudayiswa (bese ke idluliselwa ukuvunywa ukuba eMnyango Wezokuvikela). | Wonke amadokhumenti ngemvume ngesikhathi esifanayo. |
Ungabaza mayelana nokuthi udinga mortgage ezempi? Yini nendlela ukuhlobisa, sixoxisane kakade. Manje ake nixoxe emihle nemibi yalolu hlobo obolekisayo.
Okuhle
Kuqhathaniswa "civil" izindlu credit senzalo lingaphansi kakhulu.
- Izimali inkokhelo phansi kakade.
- Indawo kungenziwa kukhethwe noma yisiphi isifunda, hhayi kuphela lapho amasevisi agcinwe.
- Bamba iqhaza NIS kungaba, kungakhathaliseki ukutholakala kwezindlu impahla.
- Ungathenga kokubili isakhiwo esisha kanye nomkhakha yesibili.
nebubi
Noma kunjalo, isimiso esinjalo, kukhona nemibi. Nokho, akuzona ukuthi abalulekile.
- inqubo Long kuthengiselana. Ukuze ukubhaliswa kungathatha izinyanga ezingaphezu kuka-2.
- Ukuze kokuqeda imisebenzi (uma izindlu athengwe ku-isakhiwo esisha) kuyodingeka uthathele ezengeziwe umthengi credit.
- Ezezindlu senziwa impahla ngqo CSKA, hhayi umndeni wakhe.
- nemibandela uhlelo abavumelekile kuphela endabeni ukuqhubeka kwale sevisi. Lapho kokuxosha umboleki kumele imali ebolekiwe kwimithombo lalo. Okuwukuphela uphuma esiqiwini ngenxa yezizathu zempilo.
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