Wokutsalwa kwerhafu-mboleko. yokutsalwa kwerhafu Property

Namhlanje, asinguye wonke ummi Ungafumana imali eyaneleyo-mali ekhoyo ukuthenga indlu. Abaninzi kufuneka ukusebenzisa mboleko. mboleko ezichongiweyo banelungelo lokufuna ukuba kutsalwe irhafu ye-mboleko, ukuba amaxwebhu aqulunqwa kummandla we-Russian Federation.

ukuba nombono

Property ezibanjwayo - inzuzo enika ithuba ukugcina kwi mortgage yakho. Xa umntu uthenga impahla, uya kubuya mali ihlawulwe izinga lobuqu irhafu yengeniso-13%. Le mali iphezulu kuphela engange zigidi ezi-2. Ukuba ipropati ibiza kakhulu, ngoko uyakwazi ukufumana ukusuka kurhulumente kuphela 2,000 x 0.13 = 260 lamawaka. Hlikihla. Yaye abo amanqaku ngokupheleleyo esi sixa-2014 ukuba dopoluchit evela kwenye propati. Kubanini mortgage nabo banelungelo lokufumana imbuyekezo kwi mali ka-390 lamawaka. Hlikihla. (13% of 3000 thous. Hlikihla.) Ekubeni inzala ihlawulwe.

imbuyekezo kwiikota

Intlawulo zingafumaneka kuphela mboleko oyifunayo. Yiloo nto ke isivumelwano kunye ibhanki kufuneka zicaciswe ukuba imali anikwe ukwenzela ukuthenga okanye ukwakhiwa kwezindlu eRashiya. Kokuba kutsalwe iindleko zingafunyanwa kuphela kwi ndawo enye, leyo wayihombisa eziyintloko, ukuba deal kwenziwa kutsho ku-2014. Imali kufuneka ndidleke kuphele, ngenxa ezi njongo. deduction Inzala ayisa eziqhotyoshelwe undoqo, singasebenza nezinye iimpawu.

mthetho

De 2013, ukutsalwa kwerhafu yepropathi ukuze mortgage sivunyiwe kwimali ehlawulwa kwimali umdla. Ukususela 2014 izilungiso kwi-Code, leyo saqaliswa imingcele kwi Isixa sembuyekezo ukuba engange izigidi ezintathu intengiselwano, leyo waqukumbela emva 2013. Le ukutsalwa inzala yemali ifumaneka ukongeza umzimba omkhulu-mboleko. Kwakhona kuphela mali engange zigidi ezi-2.

bokuqonda

Kubonakala ukuba abantu bayathanda ukuba ibhonasi. Kodwa wabacinezela akakwazi, kuba wokutsalwa kwerhafu mortgage umdla kulinganiselwe. utshintsho zomthetho zenzelwe ukuba alungise le ngxaki. Amathuba dopoluchit imbuyekezo - kodwa ngokuqinisekileyo elungileyo. Kodwa ke umbuzo, zingaphi eyona avareji Russian unako ukuthenga ezindlini ebomini babo? Urhulumente ulindele ukuba iirhafu kufutshane elizayo yemali ziya angehla 12-13%, nto leyo kunye ezintsha kuya imfuno kwimarike real estate.

Le ukutsalwa kwerhafu (mortgage): uluhlu lwamaxwebhu

Ekubeni iphepha kobunini ziye zadityaniswa nokungeniswa yokuqala sibhengezo, kuyimfuneko ukuba baqokelela ihlawule ngenxa yokubhalisa:

• Isibhengezo-3-NGOBUCHULE;
• ikopi yencwadana yokundwendwela;
• isiqinisekiso sengeniso 2-NGOBUCHULE;
• isicelo imbuyekezo;
• nesivumelwano semboleko yekhredithi;
• kufunyenwe intlawulo, okanye sisicatshulwa esithathwe akhawunti;
• schedule sentlawulo;
• isiqinisekiso kwiziko khredithi ihlawulwe kwi kwipesenti.

Le iseti yamaxwebhu ukuba idluliselwe kwi irhafu yokuhlala.

impahla Joint

Ukuba indlu obafunyanwa ngabanini eziliqela kude kube sekupheleni kuka-2013, xa ukungeniswa yokuqala Declaration yakhupha ingxelo ngokwabiwa ukutsalwa phakathi kwabo bonke abanini. Umlinganiselo efanayo ithunyelelwa imbuyekezo lwenqununu kunye nenzala. Okunye wabulawa emva 2014, ingxelo onjalo ukuhlaziywa qho ngonyaka.

share in impahla

Ukwenza ukutsalwa kwerhafu kwi mortgage iqala konyaka xa bonke imbuyekezo kuya kufumaneka kwi-mali eliyintloko. Ngaphambili bababamba le nto ingamampunge. Kwimeko lotsalo yepropati ubunini iqhezu isasazwa kwi umlinganiselo efanayo njengoko kucacisiwe isiqinisekiso ubunini.

Indlela ukufumana imbuyiselo ukutsalwa kwerhafu kwi mortgage?

ekhulwini Intlawulo kubalwa ngokususela mali ihlawulwe. Ngoko ke, simele umele ukuba ase esisetifiketi lebhanki nyaka ngamnye, nto leyo zipeyintwe inkqubo lokuhlawula ityala. Ngokusekelwe kule, isibhengezo senziwe-3-emhadini.

Isixa sembuyekezo

Ngokuba izinto ezifunyenwe yi ekupheleni kuka-2013, ukutsalwa kufuneka ekhutshelwe isixa esipheleleyo beendleko. Kwiintengiselwano wangena ngo-2014, ngokuxhomekeke kwimithetho ezahlukeneyo. Ukuba intlawulo yeendleko umdla yethuba eliqala yonke ayidluli engange-3 million., Koko bafumane ukuxhuzulwa irhafu mortgage nga kuba isixa esipheleleyo. Kungenjalo ingahlawulwa kuphela kucacisiwe amawaka 300. Thambisani. Ukuba mboleko lidlula ixabiso indlu, ngoko imali iya kubalwa ngokususela ekhulwini iindleko zokuthengwa kule mali iyonke kwekhontrakthi. Ngenxa yoko, inani eliphezulu ngu 260 lamawaka. Thambisani. xa uthenga impahla ngemali yabo, kwaye xa sukuba usenza mortgage - 786 700 engange.

yokutsalwa kwerhafu Calculator for mortgage

• Iindleko zokuhlala - million 1.7 engange. imali ebanjwayo:. 1.7 x 0.13 = 221 amawaka bagcobe. (Kuphela umzimba mboleko).
• Iindleko zokuhlala - engange-4 million. Isixa-mali sembuyekezo esisiseko: 2 x 0.13 = 260 lamawaka engange ..

Amawaka 200. Hlikihla eseleyo. akukho xesha kutsalwe. Olubalo ithatha nje kuphela imali echithwa kwi yokuthenga indlu. Lo mzobo ngenxa yahlulwe phakathi dolevikami in a ratio ethile. Ukuba intengiselwano kwenziwa ngaxeshanye (ukuthenga nokuthengisa yokuhlala omtsha endala), le mali zingasetyenziswa kwintlawulo yerhafu yengeniso ukusuka nokuthengiswa kwempahla.

Ngubani na ukufumana imbuyekezo

wokutsalwa kwerhafu mortgage emkhosini - i i imali yerhafu yengeniso. Ngoko ke, imbuyekezo zingafumaneka ngabemi Russian kuphela, abafumana ingeniso ezisemthethweni uze uhlawule izinga lakhe irhafu yengeniso-13%. Kukwasebenza kwanjalo kuyo non-abemi ukuba ubuncinane 6 iinyanga zilandelelana ngonyaka usebenza kummandla Russian Federation. Ukuba ipropati ibhaliswe umntwana minor, abazali unokufumana iphungulwe. Badla umhlala abe ngumthombo yengeniso mali ka-5534 engange. / Month. (Ngaphandle benefits), angafaka isicelo kwakhona imbuyekezo yokususwa. Abasetyhini bethathe ikhefu lokuya kubeleka, ungakwazi ukufumana imali emva kokubuyela ukusebenza. Ukuba yokuhlala kwathengwa ngaphambili, amaxwebhu kukhutshwa ngokwahlukileyo kwingeniso phambi kwaye emva kweeholide. Ukuba umvuzo kulo nyaka akwanelanga ukuba kutsalwe imali, imali aziyi kupheliswa. Bathi nje uyiweze ukuya kwixesha elilandelayo kwikhalenda. Le meko idla kwenzeka abantu bafumane ngokusesikweni kuphela wemivuzo, yaye isixa-mali esisashiyekileyo - emvulophini. Kukho iimeko nokuba apho mortgage loyiswa ihlawulwe kwaye intlawulo nto yenziwe njenge ingeniso ubuncinane. Indlela ukufumana ukutsalwa?

Ukhetho lokuqala - sibhenele irhafu

Ukususela ngoJanuwari 1 ukuya ku April 30 Kwithuba elilandela isixa sokuzuza indawo yokuhlala esisigxina kufuneka lingenise la maxwebhu alandelayo:

• yokundwendwela (mvume zokuhlala);
• buyela;
• Isiqinisekiso evela kuMqeshi 2-NGOBUCHULE;
• ulwazi akhawunti;
• Inn;
• ukuthenga kunye Isivumelwano sentengiso.

Onke amaphepha ahanjiswe kwimibhalo yoqobo kunye eziqinisekisiweyo. On-site isicelo yokutsalwa esibhaliweyo. Amaxwebhu kwakhona kwisithuba seenyanga ezi-3. Kwiimeko ezinqabe kakhulu, irhafu kunokubangela umntu ekucaciseni imibuzo okanye ulwazi olongezelelweyo. Ukuba samkelwe isicelo kwiintsuku ezingama-30 kwi-akhawunti ixeliweyo ngena wabeka mali ixhuzulwe. umzimba mboleko subject intlawulo yokuqala, yaye ke inzala. Kodwa imbuyekezo ngcono kwixesha lokuqala zibonisa isixa, ngoko ukuze abasebenzi irhafu ukuba babuze imibuzo.

Ummiselo ukulinganiselwa kumaxwebhu njengoko kungekho ezinjalo. Nokuba indlu yathengwa kwiminyaka emihlanu edlulileyo, imali lunokufumaneka kwingeniso ofumbileyo phakathi kwesithuba sokungenelela ngokungenisa declaration lokuqala. Ukuba mortgage iye yakhutshelwa lwemali amazwe, intlawulo baya kuhlawulwa imali engange ngokulinganisela okunanisa Central Bank, njengoko nomhla wentlawulo.

Le ntela usenokwala ukufumana intlawulo ukuba:

• propati abazifumene igama lomqeshwa yi-mali yomqeshi;
• inxalenye yeendleko sahlawulwa ngokusebenzisa inkqubo "usapho Young", mortgage emkhosini, ikomkhulu lokuya kubeleka; kulo mzekelo, iphungulwe uya kukhutshwa kuphela isixa semali yabo;
• amaqela transaction - amaqela eziyeleleneyo: abantwana; abazali, abazukulwana, amaqabane;
• akasinikanga zonke amaxwebhu.

Le ukhetho yesibini - emsebenzini

Le wokutsalwa kwerhafu uthenge yokuhlala ibhaliswe njengoko non-kwintlawulo yerhafu yengeniso kwimivuzo. Ukuze usebenzise eli cebo, kufuneka ufumane uncedo kuhlola banelungelo lokuxhamla nokubonelela umqeshi wakhe amaxwebhu efana:

• isatifiketi sobhaliso ubunini;
• kwisivumelwano intengiselwano;
• isicelo imbuyekezo;
• ekufunyanweni kokufumana imali ngumthengisi.

La maxwebhu ithunyelwa umqeshi kanye qho kwiinyanga ezili-12 ukuze imbuyekezo. Ukuba umntu itshintshile imisebenzi ezininzi, ngoko indawo entsha lotsalo uya kukhutshwa kuphela ukususela kunyaka olandelayo wekhalenda.

umzekelo

Ngo-2014, umntu ndathenga yokuhlala ezixabisa 7 million engange., Apho 3 million engange. Bona kuhlawulelwa liSebe mboleko esikhutshwe kangangeminyaka eli-13. nenzala ethe - 1.5 million engange. Ingeniso labantu ebonakalayo kuba xesha yaba 900 lamawaka. Engange.

umzimba mboleko sidlula esona sixa leyo sinokwenziwa ukutsalwa. Ngoko ke, njengoko ebalwa ngayo engange zigidi ezi-2. Isixa sembuyekezo iya kuba:

2000 x 13% = 260 amawaka engange - ukuya ngetyala lomzimba .;
1500 x 13% = 195 lamawaka. Hlikihla. - ngomdla.

Isixa serhafu kubanjwa: 900 x 13% = 117 lamawaka engange ..

Imali yerhafu yengeniso ehlawulwa kwimivuzo ebudeni bonyaka, engabandakanywanga ukutsalwa. Ngoko ke, ngo-2015, loo mntu uya kufumana amawaka 117. Xa uhlobo imbuyekezo. A amasalela (143 amawaka. Thambisani.) Ikhutshelwa kwixesha elilandelayo.

Le ukutsalwa inzala yemali-mali ka-195 lamawaka. Thambisani. ingasetyenziswa iminyaka eli-13, oko kukuthi, ngexesha lonke ixesha mboleko. Le imbuyekezo inikwa ukusa kumkhamo intlawulo ngqo ikhomishini ebhankini. Ngoko kuyimfuneko ukuba impahla lwamaxwebhu ngonyaka ngamnye, kuquka isatifikethi, nto leyo ipeyintiweyo ncam ukuba ukubuyisela njani ityala, nodluliselo ukuba irhafu. Lo mzekelo ngokufanelekileyo kwimeko ubunini kwikhaya elinye. Ukuba abanikazi eziliqela okanye ubamba inxaxheba equity, imbuyekezo ezabelwe ngalinye abanini kwi ingxenye ethile. Izibonelelo mali zidluliselwe kwi-akhawunti yebhanki, kwaye ke imali iya ukuhlawula ityala kwi-mboleko. On ngezandla zabo azikwazi ukumnika. amaxwebhu Intlawulo kufuneka zihlawulwe kumntu lowo ulungiselela ixhuzulwe.

emazantsi

deduction yezindlu ivumela baseRashiya ukulinganisa inxalenye imali-mboleko. Zesixa mali sembuyekezo leyo 786,7 lamawaka. Thambisani. Kodwa le mali ayihlawulwanga ngomhla izandla. Bafika kwi-akhawunti yakho yebhanki kwaye kusetyenziselwa ukuhlawula ityala eseleyo.