Mat. Capital njengoko intlawulo okokuqala kwi-mboleko: le meko. Amaxwebhu for mortgage kwemali eyinkunzi koomama

iintsapho abatsha ezimbalwa kuphela ukuphatha ukuthenga yabo nemizi yabo, nto leyo ahambisana iminqweno imali, iye ebiza yomvuzo. Kakade ke, oku kusenokuba uncedo izalamane, usindisiwe kwabo imali, kodwa uhlobo iqhelekileyo kusho mortgage yokubolekisa. Urhulumente unomdla yokuba iintsapho basha zokuphila ezizimeleyo, ukuze aye avelisa inkqubo yenkxaso kwiintsapho abaselula.

Isiqinisekiso zokubelekisa ngokuba kukuphuculwa kweemeko zokuphila

Ukuza kuthi ga ngoku, uncedo ebalulekileyo iintsapho kunye nabantwana ababini okanye nangaphezulu eyinkunzi umzali. Le nkqubo iqhuba ukususela ngo-2007. Inokubuyiselwa eyachithwayo ukwandiswa kwendawo yokuhlala, kuquka ukubhatala off yinxalenye yetyala ngenxa mboleko mboleko, ku tirhisa xa kuhlawulwe kwiziko lemfundo ephakamileyo okanye umhlala iinkonzo noomama. Eyona ndlela iqhelekileyo ukusebenzisa uncedo olunjalo intsapho Russian yeyona ukhetho lokuqala. Xa isayinwe nguMongameli ngoMeyi 2015 i-Federal Umthetho 131-ukhuko. Capital njengoko intlawulo okokuqala kwi-mortgage zingasetyenziswa nokuba yokuzalwa ubudala okanye ngokwamkela umntwana wesibini. Ukususela ukusebenza kwalo hlobo karhulumente. imithetho Inkxaso emalunga nokusetyenziswa uncedo anjalo elandayo. Ngaphambili, ngaphandle kokulinda ukuba ukubulawa engama-3 umntwana ubudala ungasebenzisa kuphela umda amathuba isiqinisekiso esinjalo.

Ndingasebenzisa isatifikethi umama njengoko kunyaka okokuqala namhlanje?

uhlobo kujongwa yenkxaso karhulumente ukufumana isatifikethi non-cash, zibe nokutshintshanisa kwaye ezisetyenziswa yintsapho kuphela kwezinye iimeko. Ukususela ngo-2016 unelungelo capital lokuya kubeleka njengoko intlawulo okokuqala kwi-mortgage zisemthethweni. Isizathu Ingaba FZ № 131 ukusuka May 23, 2015.

Xa sincokola ngayo imithetho jikelele, capital ngosana zingasetyenziswa njenge isavenge sokuqala, kwaye intlawulo yetyala mboleko. Eli lithuba elikhulu intsapho oselula ukunciphisa ubungakanani umthwalo mali ukuhlawula imali-mboleko ngokukhawuleza kunokuba ibandakanya ishedyuli intlawulo.

Ngelishwa, akunakwenzeka ngaphandle xaka. ngokukhawuleza yonke umbutho kweebhanki ibamba nezivumelwano zokubambisa kunye capital koomama. Kodwa kukho iibhanki ukuba bokupakisha zezi ntengiselwano ngokubonelela ngeenkqubo kakuhle. Njengomgaqo, namhlanje imibutho emininzi, bobungakanani ubuninzi rates mortgage yi-14%.

Njani isicelo?

Xa kunjalo, ukuba usapho izicwangciso ukusebenzisa capital maternity njengoko intlawulo okokuqala kwi-mortgage, kubaboleki kufuneka ahlangabezane nazo zonke iimfuno zombutho zebhanki. Kwiimeko ezininzi, ezi iimfuno zobhaliso mboleko enjalo phantse akukho ezahlukeneyo ukusuka lokuthenga yesiqhelo:

kufuneka 1. Abaviwa kufuneka umsebenzi osisigxina kwaye wasebenza kangangeenyanga ezintandathu. Ezinye iibhanki banqande njengemfuneko mandatory - ubuncinane ngonyaka kule minyaka ili-5.

2. izindululo Ngaphambilana ekubaleni kwamaziko mortgage logcino ingqalelo ezisemthethweni kuphela, kuqinisekiswa ingeniso yomboleki. "Gray" umvuzo owayenokwenza kuphela nje ingeniso aphakamileyo, kodwa amaxesha amaninzi akuyi ukunikela ingqalelo. Yaye kude kube ngoku, imibutho ezinkulu sisebenza yesikimu enjalo. Kodwa oluninzi ukhuphiswano phakathi amaziko ezemali abanokudlala sithandwe kubaboleki. Ezinye iibhanki ithathele ingqalelo nayiphi na ingeniso into engaba umboleki, kuquka ngokungacwangciswanga. Malunga iimpawu zezi meko, kubalulekile ukwazi umbutho kwabasebenzi kwinkqubo yokubonisana. Maxa wambi kuba isalathiso loo mali iba isigqibo ekuvumeni mortgages.

3. Ukunqongophala ubhaliso izindlu ezithengiswayo kule propati. Le meko isebenza kuphela kwabo banqwenela ukuba amalungiselelo mortgage kwi iinkqubo ezikhethwayo, ezixhaswa ngemali ngurhulumente.

4. Xa intlawulo sokubambisa capital koomama, ukwabiwa yesabelo kwabantwana kuyimfuneko.

5. Ukuze ufumane ithuba lokuba umnini kwenkqubo bentlalo mortgage, umboleki kufuneka abe imbali entle ngetyala.

Indlela ukufumana mortgage kunye capital koomama?

Phambi kokuba uqalise inkqubo ukuthunyelwa kwemali kwisiqinisekiso usapho mboleko intlawulo ekhaya, kufuneka uye kwi-mali yomhlala-phantsi kwaye ukufumana kanye esi siqinisekiso, nto leyo eya kuba isiqinisekiso ngokusesikweni kokufumaneka kweli lungelo.

Xa isiqinisekiso na ezandleni kubaboleki elizayo kufuneka isigqibo yeyiphi imibutho kweebhanki liya kusebenzisana yaye apho kuyimfuneko ukusebenzisa. Kungcono ukutyelela amanye amaziko zebhanki nokuba ubale-mboleko kunye capital koomama kuzo zonke iinkqubo ezikhoyo. Kuphela emva kokuba ngokutsha ngokucokisekileyo imiqathango mboleko esacetywayo (umyinge wenzala, isixa pre-evunyiweyo, inshorensi olongezelelweyo njalo njalo. P.), Ungenza isicelo sobhaliso.

Namhlanje akukho mfuneko yokuba alinde de umntwana, emva kokuvela apho usapho ufumene ilungelo isiqinisekiso lokuya kubeleka, kwiminyaka emi-3 ubudala. Ukuba kuyimfuneko, sebenzisa yomnini isiqinisekiso (okt. E. Abantwana Umama) kufuneka afake isicelo kwi-ofisi lwengingqi RF PF kunye ingxelo ehambelana kunye iphakheji lwamaxwebhu.

Amaxwebhu for mortgage kwemali eyinkunzi koomama

Ukuze usebenzise iindlela isiqinisekiso kungafezekiswa kweemfanelo zalo amatyala, zifuna iimpepha ezithile. Kuxhomekeka mbutho zinganikezelwa iimfuno ezongezelelweyo. Kodwa umthetho, inkoliso iibhanki cela ukuba la maxwebhu alandelayo ukuze abuyisele nezivumelwano zokubambisa capital koomama:

1. Zokundwendwela zabemi Russian kunye iikopi zamaxwebhu. Ezi zezi: itoti SNILS, ikopi yencwadi yomsebenzi yengqesho eqinisekisiweyo. Kuyacetyiswa ukuba yokundwendwela okanye iphepha-mvume lokuqhuba okanye PTSD.
2. Certificate eqinisekisa ilungelo lokufumana imali lokubeleka.
3. A iseti yamaxwebhu, eyaqinisekisa ngokusemthethweni ingeniso yomboleki: uxwebhu esingqina ukungabikho amatyala kwiintlawulo esisinyanzelo, ingasetyenziswa ulwazi kwifomu ibhanki ngayo imali okanye umgangatho uhlobo 2-emhadini.
4. Yesivumelwano sentengiso yokuhlala okanye indlu.
5. Ulwazi malunga nokuthengwa kwempahla: ngokupheleleyo ulwazi oluyimfuneko malunga nemeko yenjongosenzi BTI, sisicatshulwa esithathwe kwirejista endlwini, incwadi yokundwendwela nohlolo imeko zobugcisa.
6. ukuqinisekiswa esemthethweni evela kwi Pension Fund, nto leyo ngenxa enokubakho obolekayo bunayo imali.
7. Isicelo sokubhaliswa ubunini sabelana.

Yintoni kufuneka kwaziwe ukuba ingxowa-mali yomhlala-phantsi?

Kubalulekile ukuqonda ukuba mortgage usebenzisa capital ngosana - oku inkqubo ekhawulezayo. Ingakumbi xa umthengi akuthethi usebenzisa iinkonzo ze-arhente real estate kunye liqulunqa nesahlulo ngokwabo. Emva ibhanki ebemxhasile onke amaxwebhu, iingxelo, kunye namanye amaxwebhu afunekayo, kufuneka uye kwi-mali yomhlala-phantsi kunye nokubanika iphepha. Ngokuqhelekileyo, oko:

1. amaphepha esemthethweni evela ebhankini, ebonisa ukuba ubolekayo uneenjongo ngokwenene ukuze bagqibe imvumelwano ukuthenga mortgages. Ngokuqhelekileyo, eli xwebhu esikhutshwe yibhanki ngendlela eqhelekileyo.
2. Lonke ulwazi ngokubanzi malunga indawo yokuhlala, nto leyo eya kuba isifundo mortgage yokubolekisa.
3. Onke amaxwebhu, njengoko kunjalo ebhankini, ephethwe yi-mboleki (yokundwendwela, SNILS, VAT).
4. Kunyanzelekile ukuba isicelo ukuthunyelwa kwemali kunye iinkcukacha zebhanki.

NgokoMthetho mortgage kusuka kwiindonga kakhulu ethandwa

Naliphi na iziko zemali unomdla ukuba sisondele njani kangangoko izivumelwano kunokwenzeka kwi-mboleko ezinkulu. Ezi ntlobo-mboleko kunye zokubambisa isebenza phantsi eyinkunzi ngosana. Banks, njengokuba kusenziwa imiboniso, kufuneka zengqondo ezahlukileyo kuyilo mboleko ukuba athathele imali usapho akhawunti. Ngoko ke ngaphambi kokuba ugqibe ukuba usebenzise ukhuko. Capital njengoko intlawulo okokuqala kwi-mortgage, kuyimfuneko ukuhlola imiqathango amaziko zemali. Iingcali bacebisa ukuba kwindawo yokuqala ukuba imibutho ezinkulu, leyo ethandwa kakhulu phakathi kubaboleki.

Mortgage ne Sberbank

Mhlawumbi ibhanki efanayo ukuba ukulungele ukunika nezivumelwano zokubambisa yezindlu, nokuba nodidi lwaso. Ngoko ke, zonke umboleki unako kwenza imvumelwano ukwenzela ukuthenga kumakhaya yesibini, kwindlu yabucala okanye indlu kwisakhiwo esitsha. Kwakhona kuyenzeka kunye nezivumelwano zokubambisa phantsi eyinkunzi ngosana. Imfuneko engundoqo kweebhanki inguqulelo olusisinyanzelo isiqinisekiso imali zingaphelanga iinyanga ezintandathu emva kokugqitywa yingisela.

Imiqathango ezisemthethweni:

1. Mboleko kuvunywa kuphela ngemali yendawo.
2. Izinga le mboleko yi-14.5%.
3. Ubuninzi elithi mboleko - iminyaka engamashumi amathathu.
4. Isixa igalelo lokuqala kufuneka ubuncinane ama-20 ekhulwini.
5. Ixabiso intengiselwano ayikho engange ngaphezulu kwezigidi-40.

"VTB 24"

Ibhanki kakhulu ethandwayo yesibini, leyo uyasebenzisana kunye kubaboleki, eyenza-mboleko. Le kuqukunjelwe imvumelwano kwi ngokupheleleyo naliphi na ikhaya, nokuba nodidi lwaso. Oko kukuthi, kusenokuba ipropati yabucala, amakhaya yesibini, isakhiwo esitsha. Kuba ebhankini, le nto ayikho ofakelwe. Nokuthathelwa phantsi capital ngosana iyafumaneka. Iimeko esisiseko kokugqitywa isivumelwano, "VTB 24":

1. yokuqala ekufunyanweni kolunye imisebenzi mortgage ekhaya kwenziwa lwemali kazwelonke kuphela;
2. Umlinganiselo wenzala ka-15,95%;
3. Igama ubuninzi entolongweni yi-30 iminyaka nezivumelwano zokubambisa;
4. yokwenzekayo imali-20%;
5. Iindleko lwezindlu mayingagqithi engange-30 ezigidi.

"DeltaKreditBank"

Ukuba oyifunayo, amalungiselelo sokubambisa kwi "Delta Credit Bank," simele sikhumbule ukuba ubhaliso kuphela kunokwenzeka kwi zezindlu zaseprayimari nasesekondari. Ukudluliselwa kwemali evela mzuzu nowokupheliswa mvumelwano kunokwenzeka kwisithuba sonyaka omnye ukususela kumhla ukusayina.

Iimeko phantsi apho ungahlela-mboleko kunye nokusetyenziswa capital usapho:

1. Yonke imicimbi engekenziwa kunye ntlawulo kunokwenzeka kuphela lwemali kazwelonke - engange.
2. I-avareji kwi mboleko ilinganiselwa kwi 15.25%.
3. Iphetshana eyi-30%.
4. Ixesha elilelona lininzi mboleko mayingagqithi engama-25.

Ukubalwa intlawulo yokuqala

Njengomthetho jikelele, asizizo zonke ibhanki inika ingcaciso iza kuba yintoni na ubungakanani intlawulo phantsi. Yonke intsapho ufuna ukuqonda ngokucacileyo ukuba yintoni imiqathango azivale, kwaye ngoko ke ifuna ukuba ukubala ubungakanani intlawulo phantsi ngokwabo. Eneneni, akukho nzima kangaka. Kufuneka wazi indleko ngqo izindlu kunye, wavakalisa njengepesenti, nto leyo ifuna zebhanki njengoko intlawulo phantsi. Umzekelo, ukuba indawo yokuhlala okanye indlu ezixabisa 3 million engange, kwaye ibhanki ufuna ukwenza ubuncinane ama-20%, wafumana 600 000 engange. Xa kunjalo, ukuba usapho uceba ukusebenzisa le emethini. Capital njengoko intlawulo okokuqala kwi-mortgage, ngoko kubonakala kusengqiqweni ukuba kuye kunjalo kuyimfuneko ukuhlawula imali engaphezulu.

Ukuba usapho Ubala kuphela kwisiqinisekiso uncedo, kunokwenzeka ukuba abale indleko yezindlu, apho unokufaka ibango. Ifomula ilula: ubungakanani ukhuko. equity x 100 / index phantsi intlawulo.

izincomo

Kubalulekile ukuqonda ukuba capital le maternity - uhlobo lwenkxaso karhulumente, ngoko imali leyo kunikwe ngaxeshanye, zinokusetyenziswa kuphela iinjongo ezithile. Akwenzeki ukuba ndiphume ukuchitha, xa ufuna. Ukuba uceba ukusebenzisa le emethini. Capital njengoko intlawulo okokuqala kwi-mortgage, okanye uhlobo lwentlawulo ukuhlawula inqununu, kuyimfuneko ukuba azise Pension Fund for iinyanga ezintandathu phambi ku yingisela. Uhlahlo lwabiwo-mali karhulumente kunye neentlawulo zicwangciselwe kanye qho emva kweenyanga ezintandathu.

Kwimeko eyinkunzi ngosana iye yasetyenziswa kakade, ngoko kukho intlawulo phantsi yonke ukusetyenziswa akuyi kusebenza. Ekuphela kwento into enokwenziwa kukunciphisa ityala kwi isivumelwano sokubambisa sele ikhona.

isiphelo

Phambi kokuba uqhagamshelane ebhankini, kufuneka wenze isigqibo ngoko inkqubo yokwakha ethandwayo. Nangona inxaxheba ingozi ngokudibeneyo lokwakha izihlandlo eziliqela ephakamileyo, ngelixa usapho unokoyisa inani elininzi yeemitha, kwakunye amalungiselelo mortgage ngexabiso elingcono malunga iintlawulo zenyanga.