"Military Mortgage": i nemiqathango yokufumana inani kweebhanki. ngokoMthetho Sberbank and VTB for "Mortgage Military"

Uqwalaselo lwe mboleko olubekwe yi impahla kuthiwa mortgage. Isetyenziselwa ukuthenga kumakhaya okanye zokuhlala, ipropati zithengwa besibini, njenge siqinisekiso buyiselo, kodwa kule meko umthengi unelungelo lokusebenzisa kuyo. Olunye uhlobo abolekisa loo "Military Mortgage". iimeko zayo zahluka iinkqubo oluqhelekileyo ezilungiselelwe ukuthenga kwezindlu.

Indaba

Ukususela ngo-2005, lo mthetho wathi wasebenza, leyo umisela indlela yokusebenzisa zonke inkqubo zomkhosi mortgage numbers (NIS). Kulo mzekelo, ekufunyanweni lwezindlu angaqala ukuthetha emva kweminyaka emithathu ukuthatha inxaxheba kwiiprogram ezifanelekileyo. UMthetho ngale ndlela amajoni kubolekisa lokuthenga khaya kuphela ngo-2009.

Umgaqo lwayo ngolu hlobo lulandelayo. Joni, ngubani iminyaka emithathu, ulilungu iinkqubo ezixhaswa ngemali unakho ukufumana ubunini lwezindlu. Ngelo xesha, ukuba imali yakhe akhawunti zidluliselwa, leyo ukuba isetyenziswe ekuthengeni izindlu. Le nkqubo wadala ngqo emkhosini, kuba umsebenzi wabo ibandakanya intsebenziswano ixesha elide.

Ngubani na ukuthenga indlu

Phambi kokuba bajongane indlela imali-mboleko, kufuneka azi ukuba ngubani na inxaxheba kwinkqubo apho unako ukuthenga ikhaya lodweliso ezichazwe. Umthetho isebenza ngokupheleleyo zonke zomkhosi nabasebenza phantsi yoMphathiswa okanye iinkonzo yase. Ezi meko ke azibandakanyi nje kuphela kwiSebe lezoKhuselo kunye Interior, abathathi-nxaxheba babe kunye nabo ezingenisa Ministry of Iimeko zikaxakeka, Spetsstroy iRussia, i-FSB, FSO, Rosoboronzakaz, Jikelele iCandelo loMlawuli kaMongameli iinkqubo ezizodwa, kunye nenani namanye amasebe karhulumente.

Ukuthatha inxaxheba kulondolozo kunye mortgage inkqubo isenokuba mandatory okanye ngokuzithandela. Namasolotya ayo, kuquka onke amagosa abo kwiimvumelwano zabo wokuqala wangena inkonzo ukususela ngowama-2005 ukuya phambili, bonke amagosa egunyazisa kunye namagosa non-bathunywa abaye bakhonza ewonke iminyaka engaphezu kwama emithathu, ukuba ubale ukususela ekuqaleni kwethuba elifanayo.

Kwakhona inyanzelekile kwinkqubo ukufumana abo baqeshwa ziye zaphakanyiswa ukuze indawo apho isikhundla yegosa enikiweyo, nabo baye baphumelela iikhosi ezifanelekileyo wafumana isikhundla segosa ukusukela ngo-2008.

Ngokuzithandela ukuthatha inxaxheba kule program mortgage ubani abaphumelele kwizikolo zomkhosi kwaye utyikitye isivumelwano de ekuqaleni kuka-2005. Kwakhona, yokokuba umda wale nkqubo kuwa zamisa, amagosa kwemvume, Awaxela kunye namagosa ezincinane.

Indlela esebenza ngayo le

Abantu abaninzi bayoyika ukuthatha inxaxheba mali Ukhuliso kuba usoyikisela ukuba ahlale ngaphandle kwemali nangaphandle izindlu, yonke ukulibala ukuba urhulumente "Military Mortgage". iimeko zayo zezi zilandelayo: Inkqubo mortgage nguMbuso kubo bonke abathathi-nxaxheba kwi-akhawunti zakho ezingcwele mali federal idwelisa imali emiselweyo. Yonke imali ngokusebenzisa izixhobo mali ethembekileyo nezingqinekayo lisanda. Isixa mali eyabiweyo indexed ngonyaka. Umzekelo, ukuba ngowama-2012 negalelo karhulumente yonyaka 205 200, ngo-2013 oku kunyuke ukuya kuma-220 000 engange.

Imigaqo ukufunyanwa kwezindlu

Ukuba ithenge izinto zabo zokuhlala yokwenene ngendleko lwabiwo-mali, abasebenzi omkhosi kufuneka ube lilungu le-NIS, yaye inxalenye kulahleke imali babhalise kuphela iibhanki-kwamaqabane kule program. Xa ezinye eqhelekileyo mboleko yezindlu ayikho eyahlukileyo "Mortgage Military". Imigaqo imali, Noko ke, ngakumbi olunyanisekileyo, ngenxa yokuba akuqinisekisi ukubuya karhulumente.

Standard izinga lenzala yemali-mboleko ixhomekeke lokuqala okanye lesibini kwimarike ezithengiswayo ezifunyenwe, oko isusela ukususela 9,75 ukuya 11.25% ngonyaka. Ngelo xesha efanayo ukuthenga ekhaya kufuneka wenze ubuncinane i-10% yayo. Kwakhona wavuma kwaye igama elithi mboleko: nikunikiwe ixesha elingekho ngaphantsi kweminyaka emithathu, apho ibinzana ubuninzi iseti wakhe, isekelwe kwinto yokuba xa intlawulo epheleleyo onetyala akufuneki ukuba uzaliswe kwiminyaka engaphezu kwama-45.

Kwakhona kuyimfuneko ukuba ilungiswe ukuba emkhosini kuya kufuneka ahlawule zonke iindleko ezinxulumene ne ukuthengwa yoyilo lwezindlu ukuze 'Mortgage Military "walungiselelwa. iimeko zayo siyavuma ukuba umboleki ngokwakhe lichithwa inshorensi kunye neenkonzo ezinxulumene zomthetho, uvavanyo impahla kunye nobhaliso yayo karhulumente.

amaziko ezemali

Banks, ngawo iphuhlise "Military Mortgage", iimfuno zokufumana le mboleko ayithethi kakhulu ukutshintsha. Kodwa ngamnye kubo awohluke zalo kunye bokuqonda. Ngale program, intsebenziswano zisebenza ezintlanu iibhanki: Gazprombank, Sviaz-Bank, Bank Zenit, Bank VTB 24, Sberbank laseRashiya. Ukongeza, ama-30% kuzo zonke iintengiselwano badlula Arhente ababenza zokuhlala mortgage yokubolekisa.

Xa ukhetha iziko lemali yonke ijoni unelungelo lokwazi imiqathango mboleko ngamnye kubo. Kodwa ke oko akuthethi ukuba ukufumana zonke iibhanki ukuba ukukhumbula okanye ukubhala phantsi iimfuno ngamnye kubo. Kwisayithi ye-United Federation zonke UNIS zomkhosi unokufumana kuphela uluhlu beebhanki, kodwa iimeko ephathelele ubukhulu-inshorensi, iimali ezongezelelweyo, iikhomishini kunye nezinye iindidi mboleko.

Imigaqo Sberbank of Russia

Ukuba ijoni libandakanyeka yokonga kunye mortgage inkqubo kwaye wagqiba ukuthenga indlu ngetyala, ngoko umele aqhelane imiqathango beebhanki ezahlukeneyo, kuquka ukuba Sberbank inikeza. "Military Mortgage", iimeko apho onokwanelisa mboleki, eli ziko zemali sivunyiwe kuphela nxaxheba NIS. Ibhanki ufuna umxhasi ukuqinisekisa ukusetyenziswa ekujongwe mali kubonelelwe awuthengi indlu kuphela besibini, kodwa wasinika wowona evela umfazi wakhe (a), liye lakhupha inshorensi enyanzelekileyo. Ibhanki linikezela mboleko real estate kwi 10.5%, lo gama ubuninzi ubhaliso ingadluli kwiminyaka engama-20. Kubalulekile ukuqaphela ukuba izinga lenzala umboleki ziya kuba nomdla kuphela xa kuthe ukuba uza kugxothwa kwinkonzo. Ngoxa inani amajoni abahlawulwa yi-mboleko karhulumente.

bank Loan Amalungiselelo VTB 24

Phakathi amajoni iyathandwa Sberbank kuphela. Abaninzi abanomdla kunye nemiqathango phantsi apho ifumaneka VTB 24 "Military Mortgage". Iimeko kwiziko zemali ezahlukeneyo kancinane kwezo ezinikezwa yi Sberbank. Ngenxa yoko, ubuncinane umyinge wenzala VTB 24 yi 9.4%, intlawulo yokuqala ingase ibe kwi-10% yeendleko zizonke zokuhlala ekufumaneni-25% ukuba ngaba umboleki uthenga indlu ilizwe.

Kwakhona ifuna iziko yemali-inshorensi iingozi kuphela ilahleko okanye umonakalo mhlaba uthengiweyo phantsi kwenkqubo "Military Mortgage". iimeko Bank ayenzelwanga ukuba luyakuvala ikhomishini phantsi mboleko kwaye ingeniso, ukuba kuyimfuneko, ukuze uhlawule ngaphambi kwishedyuli. Ababoleka iintlobo ngeentlobo izindlu, ngenxa yokuba bakwazi ukuthenga indlu ekwakhiweni entsha, kwimarike lesibini okanye ukuthenga indlu nge eyadini.

Ukwenziwa kwamaxwebhu

Kuba mortgage kwamalungu NIS inxaxheba kufuneka ingenise ibhanki loo maphepha: Ifom yesicelo, yokundwendwela, isiqinisekiso esingqina ilungelo lokufumana imali ekhethekileyo injongo lwezindlu. La maxwebhu lwanele ukuqinisekisa ukuba ibhanki na isigqibo ukunika isixa efunekayo imali. ugcwalisa umphathi kwiziko lemali le fomu yesicelo efanelekileyo uze ulithumele ukuba ibuyekezwe. Ukuba ibhanki ivuma ufikelelo ngetyala le program "Military Mortgage", iimeko zayo zoyilo zezi zilandelayo: umxhasi kufuneka kuqokelela amaxwebhu into ethengiwe. Ngoko ke, uluhlu amaphepha eziyimfuneko zibandakanya oku kulandelayo:

1. Amaxwebhu engqina ubunini lomthengisi kweendawo zokuhlala. Oku kube isivumelwano yentengiso, isipho, ubhaliso ilifa njalo njalo.

2. Isiqinisekiso, nto leyo engqina ngumnini obhalisiweyo nto wathengisa.

3. Amaxwebhu Technical: zokundwendwela, inani cadastral.

4. References ezibonisa ukungabikho amatyala ngokuhlawula imali yezinkonzo, wazikrazula.

5. Usombululo eluvalelweni ezithengiswayo ukuba umthengisi kuyinto minor.

Kubalulekile ukuba onke amaxwebhu zihlelwe kakuhle, okanye igqwetha ebhankini liyamkele sokunika mboleko.

yokuphelisa ityala phambi kwenkonzo

Kubomi kukho iimeko ezahlukeneyo, yaye maxa wambi abantu banyanzelwa ukuba bashiye evela emkhosini. Ngamanye amaxesha kuphakama le mfuneko, kwaye abo sele sathenga indlu ngoncedo lwenkqubo 'Mortgage Military ". Terms Severance Xa usenza-mboleko kulo naliphi na amaziko ezemali, esoyika abaninzi. Eyona ukoyika namakhaya, kodwa oku akwenzeki, ukuba ubolekayo uyavuma ukuba ahlawule intsalela amatyala abo.

URhulumente uthembisa ukuyibuyisa le mali kuphela abo bakhonza. Ukuba isivumelwano emkhosini irhoxisiwe, lo mboleki ngokwakhe kufuneka agcwalise yonke izibophelelo zemali uze uhlawule imali eseleyo angahlawulwayo.