Capital kubeleka yokuthenga zokuhlala: Iimbalasane

eyethu ngalo mzuzu - ukuba usukelo phantse ukulwenza iintsapho ezininzi abaselula, kodwa ikomkhulu ngosana, nto leyo ihlawulwa ngurhulumente ukuba umntwana wesibini okanye olandelayo wazalwa entsatsheni, kunokuba luncedo elungileyo kulo mbandela.

capital kubeleka ukuthenga indlu lisetyenziswa kuphela phantsi kweemeko ezithile, emiselwe yi-mthetho. Kuqala kukuba esi satifikethi sikhutshwa uya kungena ukusebenza kuphela emva kokuba umntwana efikelela kwiminyaka emithathu. Linganisa kulo mzekelo - a kuyimfuneko neqondakalayo kwabaninzi. Inyaniso kukuba abazali xa umntwana lwamkelwe nayo ixhomekeke, le intlawulo, kodwa ke ngenxa yokuba abanye abantu abanganyanisekanga Ungathatha ingqalelo le meko kunye nokuphucula imeko yazo yemali ngeendleko nayiphi na umntwana abamsulwa. capital kubeleka ukuthenga ezindlini zingasetyenziswa de kube lelo xesha umntwana lowo akukho iminyaka emithathu, kuphela kwiimeko ezithile. Makhe sihlolisise lo mba.

Sebenzisa isiqinisekiso ngenxa kunokuba phantse ngoko nangoko emva kokuzalwa komntwana xa kwimeko:

- intlawulo yokuqala (primary) Igalelo mortgage yokubolekisa okanye target;

- nenzala kunye neentlawulo inqununu kwi-mboleko yezindlu okanye indlu, sele ekhoyo ngexesha lokuzalwa.

Ngokwendalo, imali Akukho namnye owakha lona kuthetha ukuba asiyi kubanika. capital kubeleka yokuthenga zokuhlala yayifudula kuluhlu kwi intlawulo yetyala ngokucelwa abazali ngendlela transfer. Ke ukuba imali inqununu iya kuba ngaphezu isixa eyinkunzi, imali eseleyo zingasetyenziswa kuphela emva kokuba mzuzu xa umntwana ujika iminyaka emithathu ubudala.

capital maternity (kwi indlu, okanye kunoko, ukwenzela ukuthenga zokuhlala, ezo abakulungeleyo ukuchitha) zingafumaneka kule ndlela zilandelayo:

- Ukuba sele unayo isixa esithile kwemali kunye kancinane elifutshane, ngoko, ukubhala isicelo nokungenisa kwabasemagunyeni ye RF Pension Fund amaxwebhu ayimfuneko, ungafumana isixa efunekayo imali yokuthenga indlu ngenxa imali;

- ukuthatha mortgage kwaye ahlawule intlawulo yokuqala usebenzisa isiqinisekiso efunyenweyo;

- Ungasebenzisa capital ngosana ukuthenga indlu kwimeko ukwakha elidityanelweyo, kulo mzekelo, ngokwenza imali epheleleyo okanye inxalenye yayo njengoko intlawulo yokungena;

- inxaxheba equity kwakhona ukuba ngaphandle, ukuze ukwazi ukusebenzisa isiqinisekiso kwimeko echazwe.

capital maternity ukwenzela ukuthenga indlu iyasetyenziswa, nayo ubonelela iimeko ezithile, ukuthobela leyo enika yi-mthetho. Njengoko kukuphuculwa kweemeko zentlalo kunye zokuphila isiqinisekiso intsapho kusetyenziselwa ukuhlawulela ukuthenga indlu yelizwe okanye indlu apha elalini, kodwa kubalulekile ukuba indlu waqonda izindlu, esolwa ukungaqukathi ukwakhiwa ehlotyeni okanye ishedi umyezo, enye apho unako ukuphila ngonaphakade . Enye imeko: ilungelo impahla kufuneka yahlulwe phakathi onke amalungu entsapho, ukuba ayikho alinganayo, kodwa kubo bonke abantu.

Khumbula ukuba ngo-2013 imali eyinkunzi maternity yaba 408.960 engange, kwaye ekuqaleni 2014 kuya kufika sele malunga 430 lamawaka engange. Kunyaka olandelayo, umthetho singatshintshwa izinto ngokusebenzisa isatifikethi. Ngoko ke, oko uceba ukuvumela ukusetyenziswa ngenxa yonyango umntwana kwimfundo yabazali, kwakunye nezicwangciso ukwandisa uluhlu lwezinto apho isiqinisekiso isetyenziselwa ukuthenga izindlu.