Mortgages okuhlawula capital koomama: amaxwebhu kunye nenkcazelo inkqubo

It umthetho ukusetyenziswa capital kubeleka yokuthenga izindlu. Zonke iibhanki ukuba abandakanyeke mortgage liboleke abanye, kufuneka ukuba uthathe iziqinisekiso karhulumente kweentlawulo umdla kunye / okanye imali-mboleko. Iinkcukacha ezingaphezulu malunga nokuphumeza indlela eyinkunzi kwemali mboleko unina (amaxwebhu RPF kuyimfuneko ukubhalisa kunye nokuqinisekiswa imisebenzi, nazo ziya kuluhlu), ufunde.

definition

Komama Capital (CMC) - i mali mali federal ukuba zigqithiselwe kwi Pension Fund for ngokuphumeza amanyathelo karhulumente. Njengokuba ubungqina yokubiza-nxaxheba kwinkqubo bafumana gosobraztsa isatifikethi. Ungafumana ukuba kumgama yendawo ye Pension Fund ka-Russia kuloo ndawo ahlala kuyo.

Enye indlela eya ukuthenga ekhawulezayo yezakhiwo kwipropati - kukusetyenziswa eyinkunzi maternity ukuhlawula imali-mboleko. Amaxwebhu afunekayo ukuze ubhaliso imisebenzi zidluliselwa kwi Pension Fund ka-Russia, ngubani owenza isigqibo malunga nokusetyenziswa kwemali MSA.

Ndilufumana njani isiqinisekiso?

Ngaphambi kokuba siqwalasele ukuphumeza indlela lokuhlawula mortgage eyinkunzi koomama, amaxwebhu afunekayo ukuze ubhaliso imicimbi, kujongana indlela yokufumana iziqinisekiso MSC.

Uncedo-mali evela kurhulumente unokufumana mfazi ozelwe okanye ethe yamkelwa yi umntwana kwesibini. In kuhlobo olufanayo ooyise, abo baye umntwana wesibini. Imali nako ukuze umntwana eshiywe ngaphandle kwabazali, akuba yobudala emntaneni. kwiimeko zogunyaziso:

• Uqeqesho kwi-full-time.
• Ubudala - up iminyaka engama-23.

Fumana isatifiketi kuba kwi-ofisi ye-Pension Fund ka-Russia ngesicelo esibhaliweyo umzali. Ukuze uxwebhu ufuna ukwenza ikopi sicelo yokundwendwela, isiqinisekiso sokuzalwa (adoption) abantwana. I-Pension Fund angacela amaxwebhu ezongezelelweyo, ingakumbi ukuba umenzi-sicelo inye. Kwisithuba senyanga, i-GRP uya kuthi asiqwalasele esi amaxwebhu uze wenze isigqibo sokuba akhuphe isiqinisekiso. Isaziso esiya sicelo iintsuku ezi-5. Ukuba sivunyiwe, uxwebhu luya kubonisa phi kwaye nini kuya kuba lula ukuba ufumane isiqinisekiso.

isicelo

MSK ke zoMqulu ngonyaka kwamaxabiso. Iimali kusetyenziswa yonke okanye inxalenye izimpi eziliqela. Omnye wabo - kukuphuculwa kweemeko lwezindlu. Kule ndawo ungathumela imali yokuthenga (ulwakhiwo) indawo ise kummandla Russian Federation. Ukuze ezi njongo unokuthabatha mboleko ebhankini, uze uhlawule le umba yemali eyinkunzi koomama. Amaxwebhu afunekayo ukuze ukusebenza, ziya kuposelwa kuzo. Kuthetha ukuba kusenokwenzeka ukuba ukulahla iinyanga 36 emva kokubeleka okanye ngokwamkela umntwana wesibini okanye olandelayo. Credit linokunikezelwa unina okanye uyise.

Isiqalo

Olu luhlu lulandelayo lwamaxwebhu ukuba ukuhlawula imali-mboleko kufuneka unikezele ebhankini:

• ikopi eqinisekisiweyo yesatifiketi MSC.
• passport Russian.
• isicelo intlawulo yokuqala nezivumelwano zokubambisa (uhlobo ibhanile bank).

Ibhanki kufuneka kwakhona odole isatifikethi, leyo iqulathe mali ematyaleni, aqhekeza kwindawo engundoqo ye yetyala nenzala phantsi. Apha uyakwazi ukufumana isatifikethi ubumnini bepropati kwaye isivumelwano kokuthenga indlu. Inqanaba elilandelayo - ukutshintshwa amaxwebhu kwi Pension Fund.

mortgages okuhlawula capital koomama: amaxwebhu

Ukuba ayihlawule loo mali kweemali zikarhulumente, kuyimfuneko ukulungiselela angenise imibuzo FIU. Uluhlu olupheleleyo kwamaxwebhu mortgage intlawulo capital koomama amelweyo kwisiza basekuhlaleni Pension Fund ka-Russia. A Uluhlu elifutshane:

• isatifiketi original ukufumana uncedo.
• Ikopi umnini yokundwendwela ka isiqinisekiso okanye olunye uxwebhu engqina ukuba ngubani lo mntu. Ukuba isicelo mayingeniswe iqabane (a), imfuno olongezelelweyo ukunika ikopi yokundwendwela nomtshato isiqinisekiso yesibini. Ukuba isicelo singeniswe ligosa eligunyazisiweyo, kuyimfuneko ukubonelela Ukongezelela ikopi igunya egqwetha.
• Ikopi yesivumelwano yemali kunye yobhaliso kukarhulumente.
• Amaxwebhu engqina indlela yokufumana imali MSC Umbutho otyalwayo:

1. ngokuba kubaboleki ngubani refinanced mboleko HMLA, - ikopi utshintsho umnini isaziso yemali;
2. ngokuba kubaboleki zabo mboleko zithengiselwa kwezinye iinkampani - ikopi yeleta evela umnini-mortgage yesibini. Isaziso sokutshintshwa umnini mortgage i sithunyelwa umboleki emva kokuba mboleko mboleko mail.

• Ikopi yesiqinisekiso sobhaliso karhulumente bobunini ndawo.
• Sisicatshulwa esithathwe endlwini ncwadi, i-akhawunti yakho.
• imbopheleleko kubameli ukukhupha indlu ngokubanzi (zonke ezikhoyo eziphilayo) ubunini, emva kokuba ukususwa encumbrances.
• Isiqinisekiso esivela ebhankini kwi ityala eliseleyo imali ngomdla.

Nazi iimpepha mortgage intlawulo neemfuno koomama.

kwasuswa kuphela

Umthetho umisela ukuba kunokwenzeka kuphela ekwimo non-cash basis of umthambo intlawulo yemali eyinkunzi koomama. Amaxwebhu kwi Russian Pension Fund ziyafumaneka ukuze igunya phezu transfer wire. Kodwa lo mthetho kukho ukuxolelwa. Ukuba usapho owakha indlu, into enye phambi kokuba uqale umsebenzi, ungafumana isiqingatha mali kwi-akhawunti yebhanki. Kuba imali eseleyo kuya kufuneka afake isicelo kwi Pension Fund ka-Russia nokubonelela impahla kwamaxwebhu mortgage kwemali eyinkunzi koomama. Kulo mzekelo, phakathi ngokwezavenge mabapase ubuncinane iinyanga ezintandathu. Ukongezelela, kufuneka ukulungiselela amaxwebhu, ezingqina ixabiso imisebenzi: izivumelwano kunye neekontraka, izenzo lokuvunywa.

Njani na intlawulo ye-mortgage capital koomama?

Amaxwebhu ukuba ukubhaliswa kwesicelo ukuze kulahlwe mali zidluliselwe kwi-ofisi yengingqi ye-Pension Fund. Umqeshwa kufuneka anike irisithi ebonisa inani kunye nomhla yoxwebhu, igama lakhe nesikhundla. Kwisithuba senyanga, yenza isigqibo malunga nokuvunywa okanye ukwaliwa yokusetyenziswa MSCs kwisaziso ithunyelwe kwi sicelo.

Ukuba amaxwebhu afunekayo ukulungiselela intlawulo mboleko eyinkunzi koomama, zabuya ngempazamo, ukuba imali engaphelelanga okanye epheleleyo imali kwi-MSC idlula intsalela yetyala, kwi isefu uya kohluthwa. Isaziso Pension Fund ka-Russia linyanzelekile ukuba uchaze isizathu sokunganikezeli bengakhuthazwa. Esi sigqibo ezinokuchaswa ngesibheno enkundleni.

Ngawaphi amaxwebhu ukuze ahlawule elo mortgage imfuneko capital koomama ukuba ebhankini? Esibhaliweyo isaziso FIU kunye imvume yokusebenzisa imali karhulumente. Xa kukho intlawulo kwenxenye ye-mboleko, umboleki kufuneka anike ingxelo yebhanki ebonisa indlela ekhethiweyo lotshintsho ishedyuli sentlawulo:

• ukuncitshiswa kwexesha lesivumelwano lo gama kugcinwe ubungakanani bentlawulo;
• ukunciphisa ubungakanani iintlawulo kulondolozo kwale mvumelwano.

Pension Fund ka eRashiya inyanzelekile ukuba idlulisele imali zingaphelanga iinyanga ezimbini ukusukela kumhla sigqibo. capital maternity ayikwazi ingasetyenziswa nokuyibuyisa izohlwayo kunye nezohlwayo ezithe zavela ngenxa yokusilela kwi-mboleko. Oko kukuthi, de ukuhlawulwa kwemali FIU ubolekayo unyanzelekile ukuba uhlawule ityala. Emva kokuba zokuhlala eyenziwe ishedyuli entsha intlawulo.

Indlela eya nokuhlawulwa kwamatyala kuqala

Ngokuncama gosopomoschi unako ukuhlawula inxalenye kwangaphambili-mboleko okanye nenzala yayo. I ukhetho lokuqala alukho kuzo zonke kwiziko lamatyala. Ngaphambili, i-Bank ngokucalula nokwahlula abathengi bangakwazanga ngokuzimeleyo ahlawule umrhumo ekuqaleni, ukuba utshonile. Namhlanje, amaziko amakhulu mali ukwenza umnyinyiva yaye wamkele MSA. Kufuneka kuqatshelwe ukuba iimeko mboleko ezinjalo uyibize ngokuthi kakuhle kubaboleki. Kuba imicimbi enjalo wasinika aphezulu umyinge wenzala kunye ebolekisa ngemali encinane.

Indlela yesibini buyiselo

ukhetho eyamkelekileyo kakhulu - ukuhlawula imali-mboleko ngeendleko MSCs, njengokuba emva nokunciphisa inani ematyaleni, inzala ihlawuliswa kuyo yonke imali eseleyo. Ukuba ubolekayo izicwangciso ndokuhlawula ngaphambi shedyuli, emva kokuba zokuhlala nga ukunciphisa isixa sentlawulo.

Indlela yesithathu nokuhlawulwa kwamatyala

Kuba ibhanki nenzuzo ukuba ngenxa CMC kubuyekezwa kuphela inzala kwimali-mboleko. Ku baqinisekiswa inxalenye mali tshembisiweke. Iskim efanayo kuluncedo umntu, ukuba akathanga unecebo intlawulo yokuqala mboleko. Le zesixa sentlawulo yenyanga lifinyele, kodwa hayi kakhulu.

iimpawu

Certificate for MSC ekhutshwe ixesha mda. Fumana inani nangaliphi na ixesha. Ukuba umntu ogama kuxwebhu ifile, sebenzisa sum onokwenza ukuba umzali enye, umgcini okanye umntwana de kweminyaka engama-23.

Sebenzisa imali zoncedo imo ngalo naliphi na ixesha. Le ngaphandle kuxa umnini wesiqinisekiso iza kusebenzisa yona ukuhlawula intlawulo phantsi. Kulo mzekelo, ungasebenzisa kuya kuba iinyanga 36 emva kokuzalwa / ukwenziwa umntwana. Kukho nenye mda. Uluhlu kwamaxwebhu mortgage intlawulo capital koomama kuquka isiqinisekiso kwi Pension Fund ukuqinisekisa ukuba imali uncedo yangaphambili zange kusetyenziselwa nayiphi na enye injongo.

Ukongeza, kukho iinkqubo yase kanye zommandla ukuphucula imeko yezibalo kweli lizwe. Abanye babo ukuba iimeko ezithile ekufumaneni (registration) lwepropati kule propati.

Emva ukuhlawula imali-mboleko wathenga nemihlaba uya kubulawa ngentsebenziswano onke amalungu ipropati yosapho.

ukuvala GMT

inkqubo capital kubeleka eyaqaliswa ngo-2007. Nalapho ke yathi inkqubo akayi kwenza ngonaphakade. kweminyaka 8 kamva wabonakala ngamarhe yokuqala malunga ukupheliswa kwesiqinisekiso. Isizathu soku kukuba ngo-2014 ityala Penisionnogo Russia Fund (apho zonke iintlawulo) yaba malunga $ 1 zezigidi. bagcobe. Ngeli xesha linye 200 mln. Engange zahlawulwa kwisiqinisekiso GMT. Akukho isigqibo sokugqibela sele yenziwe. Ngokutsho data preliminary ukuze ufumane isiqinisekiso ungaba kuze 31/12/18 ebandakanyayo, niwaxhaphaze kwayo - kwiminyaka eli-10 ezayo.

Kunyaka olandelayo iqwalasela ezi nguqu zilandelayo ukuya inkqubo nemiqathango:

• nokukhutshwa kweziqinisekiso kuphela iintsapho kunye kumazwe abatsha okanye ephakathi-ingeniso;
• libonisa iindlela ezintsha zokusebenzisa imali - kwisimo labantwana abakhubazekileyo.