"Rosvoenipoteka": Wazi njani imali eninzi kwi-akhawunti on inombolo yobhaliso?

Joni kowayesakuba nomkhosi uyazi ngawakhe kunzima kangakanani na ukufumana nalapho kukho umntu oye kwambatha ezizibeni zamagxa. nokuma ekhohlo angehli kwi indlu ajike, kwaye ebhadula ngeenxa zonke iinkampu abazange akuqinisekisi ukufumana square metres yamonga ngexesha lokuhamba eholideyini.

inkqubo yokubolekisa concessional

Namhlanje imeko eyahlukileyo kulithatha. Ukusebenzisa inkqubo yemali numbers liboleke abanye, ijoni unako ukufumana izindlu yabucala emva kweminyaka embalwa yenkonzo.

ngenyanga nganye, urhulumente ihambisa ukuba lijoni yi isixa esithile, apho ukwanda kunyaka ngamnye. Kwiinyanga 36 of capital ezingasetyenziswanga, kwanele ukuba yenze intlawulo okokuqala kwi-mboleko. Control kunye accrual kwemali ababandakanyekayo umbutho obizwa "Rosvoenipoteka". Ndazi njani indlela imali kwi-akhawunti ezifunyenweyo ngexesha elithile? Impendulo yalo mbuzo ibaluleke gqitha. Ngenxa yokuba olo lwazi kuhlolwe kakuhle imeko yazo yemali nokuqinisekisa ukulungela ukuthenga izindlu.

Umyalelo sokuzuza kwemali

Ngoko unayo mortgage yasemkhosini. Ndazi imali eninzi kwi-akhawunti ezifunyenweyo kwingongoma ethile ntoni, siya uchaze ngezantsi. Kwaye ngoku makhe sithethe ngoko olawula kukho ukuqokelela kwemali:

• Imali eza ngenyanga kwi-akhawunti yakho ye-nkqubo nxaxheba ukunyaniseka.
• Udluliselo yenziwa logama nje emkhosini akuthethi ukufumana imali-mboleko. Emva koko imali baqala sele kwi-akhawunti kwiziko zemali.
• Fumana ayikwazi kuba izandla zakho phezu imali. Kwaye ingasetyenziselwa nalapho kuphela.
• kuphela abo wabhaliswa ukuba bangathatha inxaxheba kule program.
• Sebenzisa imali emfono kubakho ngaphambi kwe-36 ukusukela kumhla ubhaliso.
• nxaxheba Inkqubo unakho ukuthenga indlu exabisa ngaphezulu kwama sibonelelwe. Kulo mzekelo, iya kuhlawula umahluko ukusuka nemali.
• Ibhanki, nto leyo icetyelwe nezivumelwano zokubambisa, uya kunikwa isiqinisekiso inxaxheba kule program emkhosini.

Noko ke, asingabo bonke ijoni unokugqiba ukuthenga indlu nokuba kwinkqubo "Rosvoenipoteka". Ndazi njani imali eninzi kwi-akhawunti, nokuba yayo intlawulo phantsi ngokwaneleyo? Ndisamlindele de eninzi nemali ezingasetyenziswanga? Ukuze siphendule le mibuzo siza kuzama kancinane emva koko.

imithetho ukubunjwa

Imiqathango eyenziwe phantsi akhawunti NIS-nxaxheba kwinkqubo karhulumente, ukuba ibhaliswe iSigqibo loRhulumente Russian. Ngokutsho xwebhu, ekuqaleni lokusekwa lemali egciniweyo akhawunti nxaxheba program iya kuba mzuzu ingenzeka sezizathu engena kwirejista CSKA. Noko ke, yena akuxhomekekanga ngomhla yokungena data okanye xa kuvulwa i-akhawunti yokonga zobuqu. Imali eyongiweyo libunjwa enemijelo ezimbini: gosvznosa ngenyanga evela lwabiwo-mali, kunye nengeniso evela kutyalo-mali.

Inxalenye yokuqala imiselwe ngumthetho kwaye ikhula ngonyaka ngamnye. Ukuba ngo-2005 isixa kwaba kuphela 37 lamawaka. Engange Russian, ngo-2015 i-mali ifikelele 245 lamawaka. 880 bagcobe. Ngaphezu koko, iminikelo sikwalathisa olwandayo izinga lokukhula kwamaxabiso qho ngonyaka (ngaphandle-2016). Ngoko ke, kungenzeka ukuba ibe ngaphantsi kwe kunyaka ophelileyo.

Isigaba sesibini imali eyenziwe ngokutyala mali ezikhoyo kwii-asethi eliphezulu-yabanye, nto leyo unelungelo lokukhetha "Rosvoenipoteka" kuphela. Ndazi njani indlela imali kwi-akhawunti ezifunyenweyo ngomhla ngoku? Ngaba okunene ukuqala ukuzilungisa mboleko? Kubonakala, nto intle lula ukuyenza.

Unokubona njani ukuba indlela i imali eseleyo kwi-akhawunti?

Eyona ndlela ilula - ukuthumela isicelo eqhelekileyo lokuphumelela post. Emva kwexesha elifutshane uya kufumana impendulo ebanzi. uya kunika isikhokelo kwakho onke efanayo "Rosvoenipoteka". Ndazi njani imali eninzi kwi-akhawunti, ukuba awufuni ukuba ulinde impendulo ixesha elide? Ngaba oko ngokwakho kunokuba kakhulu ngokukhawuleza. Ukuze wenze oku, iwise ubhaliso standard nelula kwi website "Rosvoenipoteki". Ibizwa - rosvoenipoteka.ru. Kukho zigcinwa lonke ulwazi malunga nxaxheba kwinkqubo, enomxholo othi "Mortgage Military". Ndazi njani ukuba ingakanani imali kwi-akhawunti? Nje uye ku "Akhawunti Yam 'uze uthumele isicelo. Ukongezelela, nyaka ngamnye ukuya kutsho ku nxaxheba Aprili 15 Inkqubo NIS ngokuqinisekileyo uya kufumana ileta, equlethe ulwazi kwindawo engatshintshiyo ye akhawunti imali.

Register Online

Ngoko ke, siza website yombutho "Rosvoenipoteka". Ndazi njani imali eninzi kwi-akhawunti kule inombolo yobhaliso? Kuba oku kuyimfuneko ukubhalisa ifomu kwisiza. Yenza kube lula kakhulu. Sifumana kwisiza (top right) iqhosha 'Register' amazwi, nqakraza kuyo kwaye ufake izinto ezisemgangathweni: Igama, idilesi ye-imeyile, lokugqithisa owasungula. Ngaba ngoku ningamboniyo ngamazwi "Change Data" kwaye lazisa ulwazi olongezelelweyo: imivo zokugqibela 10 NIS inombolo yobulungu, umhla apho unayo isiseko zobhaliso lobhaliso. Emva koko klikha u- "Save". Emva kokuba zizaliswe zonke iinkcukacha eziyimfuneko, ungathumela isicelo ingcali ngobume akhawunti imali zobuqu.

isiphelo

Njengoko ubona, ulwazi malunga imali eninzi kwi-akhawunti ( "Military Mortgage") ukuze bafunde elula kakhulu. Emva kokufumana zonke iinkcukacha eziyimfuneko, kunokwenzeka ukuba ukubala ngokuchanekileyo xa kanye kuya kuba kunokwenzeka ukuthengwa kudala lilindelwe kwezithobekileyo lokwenene.

Kwakhona sinikele ingqalelo iingongoma ezimbalwa. Okokuqala, kwimeko apho ijoni ngokwesicelo sakhe wagxothwa phakathi kwemikhosi exhobileyo ababengamkhonzi umkhosi kangangeminyaka eli-10 yaye ukuba ixesha ukusebenzisa ilungelo yokuthenga izindlu yemali zomkhosi, zonke iimali ezingasetyenziswanga kufuneka ibuyiselwe kwi-mali karhulumente. akhawunti Personal ngexesha elifanayo luvalwe. Okwesibini, ukuba igumbi kunjalo yathengwa kwaye umhlalaphantsi serviceman, hayi kukhuthazwa baziswa iminyaka eli-10, ukuba bekufanele ukuba abuyele yonke imali. Ixesha liya kuba ngokwengqiqo "Rosvoenipoteki". Kuxhomekeke yokuhlawula amatyala ke umboleki kunye nemali etyalwa. Housing ihlala iyimpahla elalisakuba CSKA. Ke yena Ezinye imali osityala yona kuza kufuneka ahlawule ngokwabo.