Buyisela-mboleko. Indlela ukufumana imbuyiselo inzala yemali ehlawulwe

Ukuba impahla yakho ngumlinganiselo yexabiso. kwiminyaka engama-30 eyadlulayo isicombululo kule ngxaki urhulumente. Ngoku, abemi ngokwawo kufuneka banike indawo yabo. Kodwa abanye uncedo namanje ukubala. Umzekelo, ukubuya inzala kwimali-mboleko. Kwi umongo kunye neenkcukacha yale nkqubo, ufunde.

Ukucaciswa kwamagama

Mortgage - enye yeendlela ukufumana izindlu zabo. Ukuba akunjalo kuba nomdla omkhulu kule nkonzo, unayo yonke Russian kukade icangcisiwe, nobude lwabo isikwere. Noko ke, urhulumente inika ithuba iindleko ngenxalenye yembuyekezo. Ngoko ke, yintoni eyenza ubuyiselo lwe inzala mortgage eneneni.

1. UMbuso iyavuma ukuba ukuthengwa kwezindlu - oku isiganeko ebaluleke kakhulu kubomi abemi, ngoko ke, wenza utshintsho kwi-Code Tax.
2. Ukuhla iindleko zokufumana real estate kwenzeka ngokunciphisa isiseko serhafu, awanyakazela ngayo ngummi uhlawula-13% NFDL. Umzekelo, ukuba umntu abize umvuzo wenyanga oyi-30 amawaka. Hlikihla., Unyaka awayifumanayo 360 lamawaka. Hlikihla. Ukuba le mali uyakwazi ukuthenga ipropati, isiseko yerhafu kuncitshiswa inani elifanayo. Oko kukuthi, urhulumente unyanzelekile ukuba babuyele: 360/100 x 13 = 46,8 amawaka engange .. Le nxalenye yerhafu ethe kunyaka apho kuthengwe yagqitywa. Olubalo kuthatha isixa ingeniso ethe kodwa akahlawulwa.
3. Inani labantu nako ukuthenga indlu ngexesha, kancinane. iintengiselwano Kokukhona yenziwe ngezavenge. Urhulumente liphuhlise inkqubo apho isiseko inikezelwa ukwehla kwimali umdla abantu ahlawule ngokohlobo iintlawulo zenyanga. Ngenxa yokuba ikhomishini ebhankini - kwindawo engundoqo ye athenge iindleko yokuhlala. 13% yale mali, yaye kufuneka ibuyiselwe.

Ngubani onelungelo ukutsala

Njengabemi imithombo yengeniso irhafu yerhafu yengeniso. Okokuqala bonke abantu abaqeshiweyo ukufumana umvuzo 'emhlophe ". Ukuba usebenzisa scheme "grey ', ngoko uyakwazi ukubala imbuyekezo kunye kwingeniso esemthethweni. Ukuba ungummi ufumana ingeniso evela kwimithombo ezininzi (imisebenzi emibini okanye ngaphezulu, irenti, iinzuzo evela kwintengiso izibambiso, njalo njalo), Kananjalo isetyenziselwe izibalo.

Ukuba ubolekayo usomashishini osakhasayo osebenza kwi "inkqubo yerhafu lula", akayi anelungelo lokufumana inzuzo. Kunjalo abadla umhlala-phantsi.

Abasetyhini ungenza isicelo sokubuyiselwa inzala ehlawulwa kwi-mortgage emva kwekhefu lokubeleka le. Ukuba yokuhlala kwathengwa phambi kwakhe, zithathelwa iingeniso akhawunti "break." Ukuba ke ukuba awukho, ngoko ke intsalela zingafumaneka emva kweeholide.

Abantu abaye basebenza ngokusesikweni eRashiya ngaphezu kweenyanga ezi-6 zokuqala zonyaka, kodwa musa abe ngummi, ukuze bamkele imbuyiselo inzala kwimali-mboleko.

Le exemption akusebenzi ukuba ukuthenge singaphunyezwa phakathi kwezalamane, oogxa kunye namanye amaqela anxulumeneyo.

Isixa-mali ixhuzulwe

Isiseko kubalwa imali echithwa kwi kulwakhiwo, kuthengwe izindlu. Ukuba intengiselwano bujikelezwe mboleko ekhethekileyo injongo, inzala kuthathelwa ingqalelo ngenxa kuyo. Kodwa kule mvumelwano kufuneka kuchazwe ngokucacileyo ukuba imali enikwe "ukuthenga indlu." angafani ayamkelekanga.

Ukuba sele zikhutshiwe indlu ngaphandle ugqibezela nezivumelwano zokubambisa, ukubuya 13 ekhulwini ngalinye iya kuvela ekubaleni isixa inqununu kunye nomdla kwi-mboleko, iindleko zophuhliso projekthi, ukufumana izinto, akugqiba intlawulo, uqhagamshelwano nothungelwano umbane, amanzi kunye negesi. Iindleko sokugqitywa nga kuthathelwa ingqalelo kuphela xa isivumelwano ithi ufumene isakhiwo engagqitywanga. Ukuba bujikelezwe nezivumelwano zokubambisa lwemali, zonke iindleko eziguqulelwe ngeranti ngomhla yentlawulo.

Le mali iphezulu Utsalo kulinganiselwe 2 mln. Hlikihla. ekubuyeni inqununu kunye 3 mln. bagcobe. - xa ebuya ekhulwini. Ukubonelelwa yokugqibela usebenza kuphela kwizivumelwano kugqitywe emva 2013. Le ukutsalwa kwerhafu akakwazi zibandakanya iindleko ekungenwe ngokuxhaphaza mali, eyinkunzi lokuya kubeleka kunye nezinye iintlawulo zentlalo.

Buyisela mortgage inzala: amaxwebhu ubhaliso

• Imvumelwano yokuthenga indawo okanye amalungelo ukuze babe nalo endlwini elisanda kwakhiwa.
• transmission Ukuvuma.
• Imiqulu engqina iindleko (irisithi ngokomyalelo, ekufunyanweni lomthengisi, iingxelo zebhanki, iirisithi yokuthenga izinto).
• Amaxwebhu okubonisa nobunini.
• isivumelwano Credit.

Ngaphandle isatifikethi kobunini akakwazi ukufumana ukuba ixhuzulwe irhafu. Ukuba uthenge ipropati endlwini elisanda kwakhiwa, kuba ubhaliso inzuzo kufuneka ukuba ulinde sisenzo ulwamkelo kunye transmission. Onke amaxwebhu kufuneka kukhutshwa kwi loo mntu uya kufumana imbuyekezo. Kungenjalo kuya kufuneka ukuba ubhale amandla egqwetha kwi Mhlawuli yokwenene.

Le phakeji yokufunda kwamaxwebhu kufuneka ukunika irhafu kuloo ndawo yokuhlala, kungakhathaliseki apho efumene umhlaba. ixesha Decision - iinyanga ezi-3. Ukuba impendulo ngu-ewe, ngoko ke kufuneka ubhale isicelo, ezicacisa inani -akhawunti yebhanki ukudlulisela imali. Imali kufuneka zifunyanwe ingaphelanga inyanga enye. Kwimeko zokugxojwa igunya irhafu ukuba ahlawule inzala usuku ngalunye kokwendalo kwi rate ekufuneni imali. Ukuba isicelo sokubuyiselwa imali umdla ehlawulwa kwi-mboleko yenqaba, ungenza isibheno enkundleni.

Ukwenziwa intengiselwano nge kumqeshi

Asingabo bonke abantu lula silungise irhafu. Ngoko ke, ukubuya kunokwenziwa amalungiselelo emsebenzini. Kulo mzekelo, umqeshwa uya kuhlawulwa umvuzo omkhulu njengoko irhafu yengeniso umqeshi akayi lingavimbi. Sokubhalisa yokusebenza kuyimfuneko ukuba isaziso wokutsalwa kwerhafu igama le nkampani. Eli phepha kunye nesicelo oko kuyimfuneko ukuze mayingenise kumqeshi.

Personal yerhafu yengeniso iya ndibawisele ukususela kwinyanga elandela kusalindelwe amaxwebhu. Ukuba umqeshwa ufuna ukutshintsha indawo yengqesho, intsalela yembuyekezo zingafumaneka kuphela ngokusebenzisa irhafu. Isaziso esikhutshwe kanye ngonyaka.

Ukuba umqeshwa anayo indawo yengqesho, uya kufumana imbuyekezo umdla kwi-mortgage, akakwazi akhuphe nokunye nale kumqeshi.

Inkqubo lokuhlawula

Okokuqala wahlawula yonke imali echithwa kwi yokuthenga izindlu (ukuya ku 260 lamawaka engange = 13% * kwezigidi ezi-2 ...), koko - umdla ihlawulwe. Kodwa ukumiselwa oko kwayo kuyimfuneko ukuze ukucacisa inani lilonke eya kuxhomekeka imbuyekezo. Le phakeji yokufunda kwamaxwebhu kufuneka ahlaziywe rhoqo kwiinyanga ezili-12.

Xa isixa-mali sengeniso ayiquki imali ezibanjwayo, oko idluliselwe kunyaka olandelayo. Kule schemes kunye imivuzo "ezingwevu", kukho iimeko apho imali ihlawulwe off sele, kwaye imbuyekezo ziye ukuba alinde iminyaka embalwa.

isiphelo

Umntu ofumana ipropati ngetyala eRashiya, unelungelo lokufumana imbuyekezo yerhafu yengeniso. Inzala mortgages ahlawulwa ngoko nangoko, kodwa ubuncinane kuhlawulwe ityala lebhanki. Umsebenzi senziwa ngalo irhafu. Amaxwebhu ukutsalwa kufuneka kuhlaziywa qho ngonyaka. Ukuba imali sele nezivumelwano zokubambisa ezikhutshiweyo, imbuyekezo ebalwa kwisixa iindleko ukuguqula ibe engange kwi ngeranti ngomhla yentlawulo.