Ngenxa kwinqanaba zaneleyo lwezindlu zoluntu kunye olucothayo kakhulu ukuqinisekisa amahlwempu kwaye ulinde indawo, urhulumente waqalisa inkqubo yenkxaso-mali kwiintsapho kunye nokuthengwa zokuhlala. Kunye ithuba lokwenza imali "eyinkunzi maternity" kwaye ufumane ukuxhuzulwa irhafu, abathengi ngoku amalungiselelo mali yezindlu.
Ukuze ufumanise ukuba yeyiphi na mortgage ngenkxaso karhulumente, yaye ziziphi iindidi iintsapho ukubala kwi uncedo olufunekayo ukuze izicelo kwabasemagunyeni olawulo asekuhlaleni. Kukho kwakhona kufuneka zinikwe kunye iseti eziyimfuneko zamaxwebhu ngenxa yesiqinisekiso sobhaliso lokubonelela-mali: isicelo, ipaspoti, isiqinisekiso somtshato, amaxwebhu ukuqinisekisa imfuneko ukuphucula iimeko zokuphila, kunye nabanye. Urhulumente lowo ukulungele ukuba imali ukuya kwi-40% yeendleko kwezindlu (ukuba kuthengwe usebenzisa i "Mortgage ngenkxaso karhulumente" iprogram).
Ubunyaniso ayikhangeleki kamnandi kangaka. Okokuqala, kuyimfuneko ukuba bafumane inkxaso-mali intsapho yathatyathwa kuphela. Emva zonke mortgages ngenkxaso karhulumente inika ukuba okuseleyo ixabiso lwezindlu "iseli yoluntu 'iya kuhlawula kwiingxowa zaso. Okwesibini, xa kubalwa imali yenkxaso kusetyenziswa iimpawu ezimbini: ixabiso kwendawo umntu (okwangoku 18 square metres intsapho ka-amathathu) ngamnye kwaye ngexabiso eliyi-avareji ye-1 sq.m. eziphilayo nendawo ohlala eRashiya.
Kucacile ukuba ukusetyenziswa mzobo yokugqibela bugwetyelwe kuphela ukwenzela ukugcina imali yoluntu, ngenxa yokuba amaxabiso izindlu eMoscow kwilali ngaphezu Arctic Circle izihlandlo ezilishumi kubi. Ngenxa yoko, Mortgage kunye nenkxaso karhulumente kunokuba luncedo, kodwa udidi labantu elikwaziyo ukuthenga indlu kwisixeko esikhulu kwaye kungekho inxaxheba nayiphi na inkxaso-mali, ukususela xabiso yembuyekezo iya kuba kwi-40%, kwaye% 10-15 kuphela kuphela ( xa uthenga indlu esixekweni).
Phakathi zonke iibhanki Russian kuphela "VTB 24" umsebenzi kule program yaye "Savings Bank". Mortgage ngenkxaso karhulumente kule mibutho inika-mboleko efikelela kuma-80% yeendleko kwezindlu (banikwa ukuba imali yeNgxowa-mali amaxesha ngaphantsi kwe-20%, kucacile ukuba inxalenye yentlawulo phantsi kusekho usapho kufuneka yande). mboleko yi-11%, kota - ukuya kutsho kwiminyaka engama-30. Kwakhona, umboleki unikwa ithuba lokusebenzisa capital maternity ukuze ahlawule uze ufumane wokutsalwa kwerhafu umdla ihlawulwe.
Fumana isatifiketi inkxaso-mali idla kuthatha iinyanga ezimbalwa, njengoko sicelo siya kuqwalaselwa kwi imizimba yolawulo kuwo onke amanqanaba. Njengoko amaxabiso lwezindlu ukwanda ngenyanga kwizixeko ezinkulu, singatsho ngokuzithemba ukuba kwimarike real estate yanamhlanje nangokusebenzisa amaxabiso avareji ukuba izindlu zokuhlala, zokubambisa ngenkxaso karhulumente phantse akwenzi ngqiqo.