Inkqubo yezindlu State iintsapho abatsha

Ngelo xesha lakalokunje, kukho indawo ebaluleke kakhulu-nkqubo kazwelonke ukusombulula iingxaki kwezindlu, kunye nokunceda abantu abaselula kutshanje abaye bangena emtshatweni kwaye nabasweleyo kwindawo ophilayo. Urhulumente ukulungele zinika inani mali yezindlu iintsapho abaselula, ezinokuthi zisetyenziswe ekwenzeni igalelo ukuyibuyisa le mali kwi-mortgage ezikhoyo okanye ukuhlawula iindleko kwenxenye zezindlu ezakhiwayo.

Urhulumente uphuhlisa ezahlukeneyo amaphulo ajoliswe ekuxhaseni iintsapho abaselula. Lwenza ntsapho zinengeniso esezantsi ukufumana izindlu zabo, nto leyo eza kunika iimeko azivumi ukuba isixhaso, kwakunye ukuzalwa bekhulisa umntwana. Iqela amanyathelo ezixhasa mitshato asanda kubalwa, eyasekwa yi mithetho kwiinkqubo ezizodwa, iphakathi kwabo ethandwa kakhulu inkqubo yezindlu iintsapho abaselula. Kuye yamkelwa ngokunxulumene imeko yezibalo okuphinde kweli lizwe kwaye lijolise ekwandiseni abemi karhulumente.

Nemiqathango yokufumana

Ayizizo zonke iintsapho inxaxheba kule program ukunika izindlu. Ukuze ufumane inkxaso umbuso kuphela iintsapho kuwa phantsi kwezinye iimeko. inkqubo Housing "usapho Young" ibandakanya ezi khrayitheriya zilandelayo ukuze ube nokulungela ukufumana uncedo-mali:

1. Ubudala ngamnye amaqabane akuyi kudlula iminyaka emashumi mabini anantlanu.
2. Usapho oselula kufuneka ibe ngumthombo uthotho ingeniso nokuyibuyisa mortgage karhulumente. Kodwa kusenokubakho kunye nokwanda yokuthenga indlu.
3. Kuba uncedo kufuneka ezincane awanalo iwonga isithuba oswele yokunyuselwa ophilileyo.

Xa-non ukuthotyelwa kwemiqathango karhulumente kufuneka ilungelo lokwala ukunika uncedo lwezindlu kwiintsapho abaselula.

"Family Young" - inkqubo yesizwe Russian

inkqubo yezindlu Federal "Family Young" yavunywa kunyaka 2011-2016 uRhulumente RF. Ngowe-2016 waqhutywa ukuya ku-2020.

Oku kwenza kube lula ukuba ukusombulula le ngxaki kunye nabantu beli lizwe, kwakunye neminye imisebenzi:

• Ewiliko iingxaki zezibalo eRashiya.
• Ukuncitshiswa ngezikhondo zamehlo zentlalo.
• Uncedo iintsapho abatsha izindlu kunye nezindlu.
• Ukusebenza obolekisayo yemali.

Ngeli xesha sihlelwe ukunika izindlu malunga 170 amawaka. Iintsapho, ngelixa inkcitho yi 320 billion engange-mali zohlahlo lwabiwo-mali.

Le program yenkxaso yezindlu kwiintsapho abatsha Oku kubonisa ukuba isabelo ilandelayo kwemali karhulumente elabelwe ezi mvavanyo:

• Iintsapho ofelweyo simi 35% yesibonelelo -s. mali Ubuncinane losapho oselula, ogama ukwakheka akukho ngaphezu abantu-2, kufuneka ubuncinane 21 lamawaka. engange. Iintlawulo ngexesha elifanayo elingana nama-600 lamawaka. Engange.
• Iintsapho ukuba sele abantwana, ngaphandle-40% ekhulwini mali. Ibhajethi Ubuncinane losapho amalungu-3 kufuneka ibe ngaphezulu kwama-33 amawaka engange, kwaye ikwabandakanya ka-4 -. Ingabi ngaphantsi kwe-43 amawaka engange ..

Kwimeko wokwamkelwa okanye ukuzalwa omnye umntwana extra-mali-5%.

Enye inkqubo yezindlu karhulumente "usapho Young" inika inkxaso kwiintsapho ezinkulu. Kuxhomekeka kwindawo yokuhlala uncedo izinto ezithile inikezelwa, leyo kunye namanye amanyathelo, inika inkxaso ebanzi kwiintsapho abaselula.

inkqubo Housing "usapho Young - izindlu ezifikelelekayo"

Enye inkqubo federal yi "Young usapho -. Izindlu ezifikelelekayo" Kuye kwavunyelwana ukuba ziqinisekise ukuba le misebenzi ilandelayo:

• Ukuphucula intuthuzelo izindlu.
• Formation of izindlu kwimarike kwezoqoqosho-yeklasi Russian Federation.
• Ukuphucula umgangatho wobomi kweli lizwe.

Le nkqubo ngemfezeko le projekthi apho kwabelwene ngazo nondlunkulu "Housing olufikelelekayo ihlale - kubemi Russian".

Abaphantsi kweprojekthi "usapho Young - izindlu ezifikelelekayo" libonelela mali xa umntu ethenga indawo yokuhlala. Ukwenziwa lwenkqubo kwenzeka kwixesha ukususela ku-2011 ukuya 2016. Ekupheleni kuka-2016 kule program waqhutywa ezinye iinyanga 48, okt de kuye ekupheleni kuka-2020.

Kwinqanaba lengingqi, isicwangciso yaphuhliswa phantsi igama "Housing iintsapho abaselula." Inceda ntsapho zinengeniso esezantsi ukuba athenge okanye inxalenye yokuphelisa lokuhlawula ityala lemali- mboleko mboleko.

Emaphandleni kwakhona kuhlawulwa yi-bill. Nalo, abantu belali angalindela ukuphucuka kweemeko zezentlalo iintsapho abatsha abahlala ngaphandle imizi; ngokubonelela abantu abahluphekayo basemaphandleni kunye izindlu ezifikelelekayo.

Otherness

Zombini ezi nkqubo efana nenye kwaye zenzelwe ukuphucula umgangatho iimeko zokuphila iintsapho abaselula. Nangona kunjalo, le nkqubo luphawulwa inkalo encinane olwahluke ngokukodwa, kubalulekile ukuba sinikele ingqalelo ekhethekileyo bonke abo ukuya kuwo.

Le nkqubo 'usapho Young ", njengoko kuchasene neprojekthi" usapho Young - izindlu ezifikelelekayo "lineqela imiqathango eyongezelelweyo. Kuba "intsapho oselula" omnye ezona zinto zifuneka kuqala kukuba ukuba nomntwana. Oku lutshintsha iimfuno zomthetho ukuba uhlanga abazali babo. Ngoko, kule nkqubo "Young usapho - izindlu ezifikelelekayo" abantu abatshatileyo, xa isicelo imfuno kunyanzelekile ukuba banike ubungqina bokuba izicelo abemi Russian Federation. Kuba inkqubo 'usapho Young "phambi umntwana ubuncinane omnye lokuba ngabemi i-Russian Federation ke kuyimfuneko ukuba umzali omnye kuphela.

amaxwebhu afunekayo

Ukuze ufumane inkxaso-mali, nto leyo enika inkqubo yezindlu iintsapho abaselula, bonke abo bafuna ukunika amaxwebhu ayimfuneko ukuya kulawulo, indawo yokuhlala. Uluhlu lwamaxwebhu:

• Iikopi ezimbini isicelo intlawulo.
• Olu xwebhu, isiqinisekiso somtshato.
• Iikopi zokundwendwela yomlingane.
• Certificate engqina ubume yosapho njengabantu amahlwempu.
• Imibuzo malunga iintlawulo ezifunyenweyo.
• Izivumelwano mboleko kunye zokubambisa.
• Amaxwebhu umntwana, ukuba kukho (ikopi isatifikethi sokuzalwa).

Ukuba iintlawulo izindlu iza kusetyenziswa ekuhlawuleni ityala mortgage, ukugcwalisa kufuneka unike iphepha zilandelayo:

• Ikopi yesivumelwano zebhanki, leyo sivunyiwe mboleko leyo.
• Olu xwebhu kwi ubunini lwezindlu, ise-mboleko.
• Isiqinisekiso ukusuka elunxwemeni malunga nobume eseleyo kwetyala.

On into tirhisa mali

Zoncediso-mali karhulumente ukuze yezindlu iintsapho abaselula, ngaba kusetyenziswa kwezi zilandelayo kuphela:

• Ukuthengwa kwempahla lwezindlu.
• Ukwakha ikhaya lakho abucala.
• Ukuhlawula imali-mboleko.
• inkqubo Intlawulo yobhaliso ubunini real estate kwi HBC.

Izinto eziluncedo inkqubo yezindlu

inkqubo yezindlu State iintsapho abatsha zinezibonelelo ezininzi:

• ukufunyanwa Rapid kwezindlu.
• umyinge wenzala Low.
• mortgage ukhuseleko kunye inshorensi iingozi.
• ujonge-fast kwindawo ahlala kuyo.

Ezingeloncedo yenkqubo yezindlu

Kodwa nangokomyinge iingenelo inkqubo yezindlu iintsapho abatsha ezinye ethile:

• Inani elikhulu labathathi-nxaxheba kule nkqubo, nto leyo eyandisa etyhwini kwaye ixesha lokulinda.
• Le program ilungiselelwe iintsapho kunye ingeniso ezinzileyo.
• ephambili Inkqubo - bhala abakumgangatho ophakathi.
• nokukhokhela ngenyanga.
• Isixa eliqingqiweyo-mboleko.
• To-ukuvuthwa ityala umnini wepropati - urhulumente.

uphuhliso

Ukususela ngo-2016, ukuqaliswa kwamanyathelo ezongezelelweyo ukuxhasa nokukhuthaza kunye neentsapho kwasekwa kwacetywa.

Sele walungisa umthetho okhethekileyo, umxholo efumaneka kwi-website esemthethweni likaRhulumente Duma. Uqulathe eyona miba ilandelayo:

1. An mboleko inzala-free ukuthenga impahla yakhe.
2. Intlawulo ukwakhiwa okanye ukuthenga izindlu, icandelo 25-45% yexabiso avareji.
3. Le mali ukuhlawula amatyala ekhaya xa kuzalwa omnye umntwana.
4. Ukwanda kweminyaka wabalingane.
5. • Ukunciphisa inani ubuncinane ingeniso rhoqo yenkxaso.
6. Nokunyuka kwexabiso mortgage lwezindlu ukuya kwizigidi ezi-2.5 engange.

Okwangoku le projekthi phantsi ingqalelo kwi State Duma. Ngoko ke, ngo-2017, mhlawumbi, sinokulindela iiprojekthi ezintsha lwezindlu zoluntu ukuxhasa iintsapho.

Yintoni utshintsho zalo zilindelekile apha ku-2017

Nyaka ngamnye, ukuqalela ngo-2011, kukho utshintsho kwiinkqubo zezindlu ejoliswe uncedo ukuphucula kunye nokwenza.

Mu kuya kwa nshita inkqubo 2016 yezindlu iintsapho abaselula, ezenzelwe ngo-2017, ubonelela ngokuba ezi nguqu zilandelayo:

• Okokuqala, ukwandisa ipesenti iinzuzo eziphathekayo ukusuka kurhulumente. Ukuba ngo-2016 iintsapho ngaphandle intlawulo umntwana kubalelwa i-30%, kwaye iintsapho kunye nomntwana - 35%, ngo-2017, andayo kwimeko yokuqala ne-35%, ngelixa yesibini - ukuya kwi-40%.
• Okwesibini, kuya kubakho ukwanda okubonakalayo square ukuba ilungu ngalinye lentsapho.