"Ulutsha - oluthengekayo izindlu" - inkqubo ejoliswe nguRhulumente. Ngaba kunengqondo ukuthenga izindlu zentsha ezithengekayo?

Okwangoku, abantu abatsha banomdla ngakumbi ekuthengeni izindlu zabo. Ngakolunye uhlangothi, kulungile: amadoda namabhinqa amancinci azama ukuzimela kwaye ngenjongo yokuya kule njongo. Ngakolunye uhlangothi, ingxaki enjengokungabikho kwezindlu yingozi yongqongileyo. Namhlanje, izibini ezitshatileyo zihamba ngokukhawuleza ukuba zithole inzala, ziphikisana nale ntshukumo ngokungabikho kwamathuba okukhulisa umntwana ngokuqhelekileyo . Ingongoma ephambili, ephawulwe ngamantombazana kunye namakhwenkwe, yithuba elilinganiselwe lokwakha amakhaya abo. Ixabiso lentengo ephakamileyo kwimali-mboleko yemali yebhanki ayiniki ithuba lokwenza iphupha lendlu yalo lifezeke.

Isinyathelo esiseduze nekhaya lakho

Nangona kunjalo, eSt. Petersburg, urhulumente kunye namaziko ezezimali ahlangene neemfuno zolutsha. Ekuqaleni kwele minyaka yokuqala ekhulwini lama-21, igosa likarhulumente lityinwe inkqubo ekhethekileyo ebizwa ngokuthi "Ulutsha - oluthengekayo izindlu". Kwiintsuku ezimbalwa emva koko, iNdibano yesiBethamthetho esenyakatho yamkelwa inani elongezelelweyo kunye nokucaciswa malunga nalo Mthetho. Le nkqubo, ngenxa yokubaluleka kwayo, isandul 'ukutsalwa kwaze kwaba ngo-2017. Ezinye izilungiso kunye nezinguqu ezincinane zenziwe, kuphuculwe kuphela uxwebhu olusele luphelele.

Indlela yomsebenzi

Ndingathanda ukuphawula ukuba ukwamkelwa kweprogram ethi "Ulutsha oluthengekayo" lufanelekile, okokuqala, ukuphucula umgangatho wemeko yabemi. Nangona kunjalo, lo mthetho ungasetyenziswe kuphela ngabahlali abhalisiwe kwaye bahlala kwintsimi yaseSt. Petersburg ubuncinane iminyaka eyi-10. Ngaphezulu, imimiselo yenkqubo iyancipha. Umthetho uphinde uxhomeke kubanikazi bamagumbi olwazi. Iintsapho ezincinci ezifuna ukwandisa indawo yokuhlala ngenxa yokungahambi kwamamitha ayi-square kumgangatho ochaziweyo wombuso, unako nethuba lokusebenzisa inkqubo ejoliswe kuyo.

Abaxhamli beprojekthi

Kancinane, ukwenzela ukuba ube nxaxheba kwiprogram ethi "Ulutsha - Ixabiso leZindlu ezinokungenaxabiso," kuyimfuneko ukuzalisekisa oku kulandelayo:

1. Ngokuphathelele kwinani labaselula - sithetha ukuba iminyaka ininzi ukususela kwiminyaka engama-35.
2. Yima kumgca ukuphucula imeko yokuphila okanye ukufuna ukuphucula.
3. Bhaliswa kwintsimi yaseSt. Petersburg okanye kwisithili.

Iziqendu zobutsha

Abathathi-nxaxheba balandelayo beprojekthi banelungelo elifanelekileyo lokufumana izindlu ezintsha:

1. Abemi abahlala ezindlini zokuhlala, ezicwangciselwe ukuzinza. Okukugqibela kukuqondwa njengentlawulelo kwigumbi lommelwane, kunye nokukhangwa komtyalo-mali ukuba athenge yonke loo ndawo ngokubonelelwa kwintsapho nganye okanye umntu ngamnye kwindlu yokuhlala.
2. Ngethuba lokuqaliswa kweprojekthi, kukho uphuhliso olufanayo lweprogram ekhethekileyo yemboleko, eyayixhasa ukuphuhliswa komthetho. Abo bemi abaye bathatha inxaxheba kule nkqubo banelungelo lokufumana indlu entsha okanye ukuphucula izimo zabo zokuhlala.
3. Icandelo lesithathu liquka abantu abathengisa i-real estate ngokuthe ngqo ukusuka kubasebenzisi beprogram "Ulutsha olulinganisekayo."

Inkxaso? Njengekhetho ...

Ukuba nxaxheba kule projekthi, umntu uhlangabezana nokukhetha okunzima. Uyamenywa ukuba athathe inkxaso okanye athenge indawo yokuhlala evela kumsebenzisi. Makhe sibone indlela ezi zikhokelo zihluke ngayo.

Ikhetho lokuqala

Inkqubo yeentsapho ezincinci zinika ithuba lokufumana inkxaso-mali. Ingakanani inani lezoncedo libalwe? Iindleko zefesti ithathwa njengesiseko. Ubuncinane i-30% yentengo yezindlu ihlawulelwa ngaphandle kwentlawulo. Inkxaso yentsapho yaselula iya kunika ngamnye umntwana. Ngoko, ngokweprojekthi, intsapho enomntwana omnye ithola i-5% eyongezelelweyo yeendleko zezindlu. Ukuba kukho abantwana ababini, le mali iphindwe kabini, njl. Inkxaso yentsapho encinci iphinda iya kubantwana abamkelweyo baza bazalwa ngexesha lokuthatha inxaxheba kule nkqubo. Imali yonke efunekayo ukuthenga izindlu ihlawulwa ngumtshato wesibini okanye umntu. Kuvumelekile ukuba basebenzise kokubili ukugcinwa komntu kunye nemboleko mboleko. Kule meko, i-mortgage. Kuyaphawuleka ukuba inkqubo yeentsapho ezincinci zilungiselela ukuthengwa kwezindlu okanye indlu kwintengiso yesibini kunye nezakhiwo ezintsha.

Okwesibini kwenzeka

Inkqubo yezindlu "Ulutsha-Ixabiso lezeZindlu" linika abanye abathathi-nxaxheba ithuba lokukhetha. Leli thuba lokuthenga indlu okanye indlu ukusuka kumqhubi weprojekthi. Kule meko, ngamnye umthathi-nxaxheba uyamenywa ukuba atyalole ekuthengweni kweempahla zezindlu okanye ezithandwayo (imali-mboleko) kwimali ye-30% yeendleko zokubala zezindlu. Eminye imali ihlawulwa ngumntu iminyaka eyi-10 kungekho nzala.

Ukusebenzisa uncedo lwamahhala

Ukuba lowo uthatha inxaxheba uthathe isigqibo sokukhetha ukhetho lokuqala, kuya kuba luncedo ukufumanisa indlela inkxaso-mali ibalwa ngayo ngokweprogram ethi "Ulutsha - oluthengekayo izindlu". Indlela yokwenza isekelwe kumaphuba alandelayo:

1. Isiqhelo sentlalontle yendawo yokuhlala ehlala kuyo ithathwa ingqalelo. Le pharamitha iyahlukileyo kubantu abangatshatanga, imibhangqwana engabantwana kunye nezibini ezinezingane okanye ngaphezulu. Ngoko, umgangatho osapho olutsha lwabantu ababini (umfazi okanye umzali onomntwana) ngamamitha angamashumi amane anesibini. Ngomntu omnye - 33 metre yeemitha. M. Ukuba iseli yoluntu sinabantu abangaphezu kweebini, ngoko kukho iibhite ezilishumi elinesibhozo zeemitha nganye ilungu ngalinye.
2. Ukususela kwindawo yokuqala kulandela okulandelayo - inani labantu kwintsapho.
3. Ewe, ixabiso eliqhelekileyo leemitha ezili-1 leendawo zokuhlala zendawo yokuhlala yinto ebalulekileyo echaphazela ubungakanani benkxaso-mali. Le parameter ibalwa kwintsimi enye, oko kuthiwa ukwakheka koomasipala (isithili, isixeko, njl.), Apho intsapho encinci iluhlu lweproprogram (kulo mzekelo, ukufumana inkokhelo ekhululekile). Umgangatho wexabiso ubalwa kwaye usekwe ngumlawuli wengingqi. Iparameter ayifanele idlule kwixabiso lemarike eliqhelekileyo nganye imitha yesikwere sezindlu. Olu hlobo lusekwe ngokuhambelana nomyalelo weSebe loPhuhliso loMmandla. Eli xwebhu libizwa ngokuba "kwixabiso eliqhelekileyo le square 1. UMmandla wendawo yonke ... ».

Ukusebenzisa idatha efunyenweyo

Ngokuhambelana nemimiselo engentla, uhlalutyo lwenziwe kwaye ubukhulu benkxaso-mali lubekwe. Inkqubo "Izindlu ezingabonakaliyo-Ulutsha" zinika enye yeendlela ezimbini zokufumana iintlawulo ezingenasiphelo. Kwimeko yokuqala, abathathi-nxaxheba beprojekthi abangenawo abantwana bafumana imali engama-30% wemilinganiselo eqikelelweyo yezindlu. Ukuba intsapho iquka omnye okanye abaninzi abantwana, ngoko ke banikwa u-5% ngamnye umntwana. Nangona kunjalo, kukho enye inokwenzeka yokwandisa le mali. Ngokuhambelana nenkqubo yesigqeba "Izezindlu" ezo ntsapho ezibhaliswe njengoko zifuna izimo zokuphila ezingcono, ibango le-10% eyongezelelweyo yeendleko eziqikelelweyo zezindlu.

Sijonga umzekelo

Ngokwale fom elandelayo, unokufumana iindleko ezilinganisiweyo zokuhlawula izindlu, ezithathwa njengesiseko sokuqulunqwa kwexabiso lokuhlawulwa ngokukhululekile:

• СЖ = Н х РЖ

Kuphi:

• SL - ngokulandelanayo, yixabiso elifunekayo leendleko zezindlu;
• H - isungulwe kwikomiti kamasipala ngokuhambelana nobukhulu beproprogram yeendleko ze square 1. M;
• RJ - ngokulandelanayo, yonke indawo yendawo ekujoliswe kuyo yokuhlala.

Khawuqwalasele umzekelo:

Intsapho yintsapho inxaxheba kwiprogram ethi "Ulutsha-Ixabiso leZindlu ezinokuthengatha". Inani labantu abakwili selenzana kuluntu bane: abazali ababini nabantwana ababini. Iindleko eziqhelekileyo zeemitha ezili-square zi-ruble ezingamawaka ezingama-50. Kubalulekile ukubala ubungakanani benkxaso-mali enikezelwa kwintsapho.

Isixazululo:

Ngokuhambelana nomgangatho woluntu wendawo yokuhlala kuyo ilungu lentsapho yabantu abane-4 okanye ngaphezulu kuneemitha ezili-18 zeemitha. M. Ngaloo ndlela, isibini esitshatileyo esinomntwana sinokukwazi ukuhlala kwindlu yokuhlala engama-72 square metres. M: (18 sq. M. Х 4 = 72 sq. M).

Indleko (eqikelelwe) iindleko zezindlu ziya kuba:

72 sq. M. M i-ruble eziyi-50 eyi-1 sq. M. M = 3 million 600 rubles.

Ekubeni usapho luququzelele abantu abane, ukuhlawula kwamahhala kusekwe kwi-40% yeparameter yangaphambili:

Amawaka angama-3600 ama-ruble x 40% = i-ruble eyi-1440 lamawaka.

Ngethuba lokuthatha inxaxheba kwiprojekthi, omnye umntwana (owamkelweyo) waziswa kwisi sibini. Ngoku intsapho yabantu abahlanu inelungelo lokufumana u-5% wexabiso elilinganisiweyo (eliqikelelwe) izindleko zezindlu:

Amawaka angama-3600 ama-ruble x 5% = ii-ruble eziyi-180 zamawaka.

Inani elipheleleyo le-mali liya kuba:

Ama-ruble ayi-1440 lamawaka ayi-180,000 rubles = ii-ruble eziyi-1620 zamawaka.

Amaphepha afunekayo

Intsapho yaselula inqume kwiprogram. Ngoku kuyaqhubeka ukuqokelela amaxwebhu afanelekileyo nokulungisa izimo ezizimeleyo. Okokuqala, kufuneka ubhale isitatimenti ukuthatha inxaxheba kwinkqubo. Oku kunokwenziwa kwikomiti yezindlu kwindawo apho umntu othabatha inxaxheba ebhalisiwe. Le nkcazo ibonisa ukuba umntu ufuna ukuthenga ikhaya ukusuka kumqhubi weprojekthi okanye izicwangciso zokusebenzisa iproprogram exhaswayo. Uxwebhu olulandelayo oluyimfuneko sisatifikethi esikhethekileyo sokubhaliswa kwamalungu onke osapho (ukuba kukho). Kwisebe lokwakha izindlu kubalulekile ukuthabatha uxwebhu apho iipameters zentsapho ehlala kuyo okanye iindawo ezihlala kuyo zichazwe ngokubanzi. Ukuba umtshato womtshato sele ubhalisiwe ngokusemthethweni, ngoko kuyimfuneko ukufakela ikopi yesatifiketi somtshato. Ukuba isibini sinabantwana, ikopi zeesatifikethi sokuzalwa nganye kufuneka zibonelelwe. Kwaye, kungenasidingo ukuthetha, kuyimfuneko ukufakela kunye neikopi zeepassports kuwo onke amalungu entsapho kunye nabaninzi abathatha inxaxheba.

Indlela yokwazi isimo sesicelo

Kukho inkqubo ekhethekileyo yenkonzo ye-Intanethi "Ulutsha - izindlu ezinokuthengwa." Ngoku unokukhangela umgca kunye nesimo sesicelo kwi-intanethi. Ukongeza, abemi banikezwa ithuba lokubala ubungakanani benkxaso-mali nganye kwiiprojekthi ezijoliswe kuzo. Kulabo bafuna ulwazi oluthe nkcukacha ngokubanzi kubathathi-nxaxheba beprogram, kukho isixhobo esikhethekileyo sokunxibelelana kwinethiwekhi. Le nkonzo ifumaneka kwisiza seSt. Petersburg Centre kwiZindlu ezinokungazinzi.

Ixesha lokusetyenziswa kwezibonelelo

Kuyaphawuleka ukuba ezi ntsapho kunye nabantu abathile ababa nxaxheba kwiprogram kulonyaka banelungelo lokusebenzisa iintlawulo ezingenasiphelo kuze kube ngu-2017 kubandakanya. Kule meko, umenzi wesicelo unelungelo lokukhetha imarike yendawo yokuhlala: ezisekondari okanye eziprayimari. Ukuba ukhetho lunikezelwa kukhetho lokugqibela, ukulungela ukwakhiwa kufuneka kube ngu-70%. Ukuthenga le ndlu kuvunyelwe kuphela kumvelisi - ngaphandle kwee-arhente ezichaphazelekayo kunye nabanye abangaphandle. Ukususela kokusayinwa kwesivumelwano ngokuhlawulwa okungahlawulwanga, inxaxheba yeprojekthi ineenyanga ezili-12 zokusebenzisa imali.

Kuyaphawuleka ukuba loo nxalenye yommandla wendlu entsha, elinganayo nommandla wezindlu zakudala, inokuthengwa ngeendleko. Ulwahlulo oluseleyo lucetywayo ukuba luhlawulwe kwixabiso lemarike.

Imboleko yokunceda

Ngokuhambelana nenkqubo, ibhanki "iSt. Petersburg" ayiniki nje abathathi-nxaxheba beprojekthi, kodwa nabanye abahlali besixeko, isibonelelo esikhethekileyo esithi "Ulutsha olulinganisekayo". Iwebhusayithi esemthethweni yeziko lemali liqule ulwazi malunga nemigqaliselo kunye nemigqaliselo yokunikezela ngemboleko yemali yokuthenga impahla. Igama lokubolekisa lingaba lonyaka ukuya kwi-25 iminyaka. Umntu onomdla unokukhupha imali-mboleko kwi-ruble ezigidi ezili-10, kodwa le mali ayifanele ibe ngaphezu kwama-80% exabiso eliqikelelweyo lezindlu.

Yintoni abantu baseLeningrad bathi?

Ithuba lokufumana izindlu okanye ukuphucula imeko yokuphila - abaninzi baseRussia baphupha malunga nalo suku nobusuku. Abemi baseSt. Petersburg baye basondela ekuphunyezweni kwenkqubo "Ulutsha oluthengekayo". Impendulo evela kubathathi-nxaxheba malunga nale projekthi ivumela abaninzi abahlali besixeko esenyakatho ukuba bajonge phambili kwikamva. Inzala yabo bantu babemi kwindawo yokuphucula imeko yabo yokuphila ukususela ngee-1980, banethuba lokwenene lokufuduka kwiindawo zokuhlala kunye neemeko ezingcono.

Okungundoqo kwiprogram yinkalo yobudala. Ngelishwa, abo banqamle umgca oneminyaka engama-35 abakwaziyo ukuwasebenzisa ngokunxulumene nemigqaliselo yeprojekthi ejoliswe kuyo enikezela izindlu ezithengiweyo zentsapho.