"Asilikali kubweza": zikhalidwe chopezera angapo a mabanki. Sberbank ndi VTB mawu akuti "Asilikali kubweza"

Processing ngongole wotetezedwa ndi katundu amatchedwa kubweza. Izo ntchito kugula nyumba kapena nyumba, katundu ndi Nagula monga ina, monga chitsimikizo cha alipire, koma mu nkhani iyi wogula ali ndi ufulu ntchito. Mtundu umodzi wa kukongoza amenewa ndi "Asilikali kubweza". zikhalidwe zake zimasiyana mapulogalamu ochiritsira anapatsa kugula nyumba.

Nkhani ya

Popeza 2005, lamulo analowa mphamvu, amene amakhazikitsa kuthekera ntchito onse ankhondo accumulative kubweza system (NIS). Pankhaniyi, polandirira msonkho nyumba mukhoza kuyamba kulankhula patapita zaka zitatu mbali mu mapulogalamu zogwirizana. M'njira imeneyi kunyumba kugula asilikali kukongoza linayamba mu 2009.

Mfundo yake ndi iyi. Msilikali, amene kwa zaka zitatu ndi membala wa mapulogalamu ndalama zolipirira zikhoza kukhala umwini nyumba. Pa nthawi yomweyo kuti ndalama nkhani yake munthu amene anasamutsidwa, sipangakhalenso ntchito pa kugula malo. pulogalamu chinalengedwa mwachindunji usilikali chifukwa ntchito zawo chimafuna kugwirizana yaitali.

Amene angathe kugula nyumba

Tisanafotokoze kuthana ndi limagwirira ngongole, muyenera kupeza amene akhoza kutengapo mbali mu pulogalamuyi mungapezeko kugula nyumba ya chiwembu anafotokoza. Lamulo imakhudzanso mwamtheradi asilikali onse amene akugwira ntchito mu Utumiki misonkhano feduro. Zikuphatikizapo osati Utumiki wa Kumenyana ndi Mkati, ophunzira akhoza kukhala ndi ogonjera ku Unduna wa Zochitika Emergency, Spetsstroy Russia, ndi FSB, FSO, Rosoboronzakaz, ndi General Directorate wa Pulezidenti wa mapulogalamu apadera, ndipo ambiri m'madipatimenti zina boma.

Nawo ndalama ndi kubweza dongosolo akhoza kukhala mwina kuvomerezedwa kapena kwawo. Mu mawu ake, zimaphatikizapo akapitawo onse amene ali mapangano awo oyamba analowa utumiki 2005 ntsiku eneyo, akapitawo onse chilolezo ndi alonda sanali analamula amene Tikaphatikiza zaka zoposa zitatu, ngati inu mumawerengera ku chiyambi cha nthawi yomweyo.

Ndi kuvomerezedwa mu pulogalamu kupeza ogwira ntchito amene amalimbikitsa udindo umene udindo wa kapitawo zoperekedwa ndi anthu amene anamaliza maphunziro yoyenera ndipo analandira udindo wa kapitawo kuyambira 2008.

Kudzipereka nawo pulogalamu kubweza mungathe aliyense amene anamaliza sukulu usilikali ndipo zinasaina pangano mpaka chiyambi cha 2005. Komanso, kuchuluka kwa dongosolo lino kugwa ensigns Ofisala chilolezo, sergeants ndi alonda wosalabadira.

Kodi dongosolo ntchito

Ambiri amaopa nawo ndalamazo kuti kudzikundikira, kuopa kukhala opanda ndarama ndi opanda nyumba, ndi onse kuiwala kuti zili "Asilikali kubweza". zinthu ake ali motere: State kubweza pulogalamu ophunzira onse kuti munadzipereka munthu chifukwa cha bajeti feduro limatchula kuchuluka akuchipatala. Onse analandira ndalama kudzera zida ndalama odalirika ndi kutsimikiziridwa zikuchulukireni. The allocated bajeti kuchuluka ndi osanjidwa pachaka. Mwachitsanzo, ngati mu 2012 boma chopereka pachaka 205 200, mu 2013 chinawonjezeka ndi 220 000 rubles.

Terms of kupeza nyumba

Kugula nyumba zawo malo likuvutika bajeti, asilikali ayenera kukhala membala wa NIS, ndi gawo akusowa ndalama kulembetsa yekha mu mtsinje-ampangira mwambowu. Mu mpumulo wa ochiritsira ngongole nyumba ndi zosiyana "Asilikali kubweza". Terms of ndalama Komabe, kwambiri okhulupirika, chifukwa iwo mutsimikizira kubwerera ya boma.

Standard chiwongola dzanja cha ngongole amadalira chachikulu kapena pa sekondale malo msika kwenikweni ndi yotengedwa, ndi ranges ku 9,75 kuti 11,25% pa annum. Pa nthawi yomweyo kugula nyumba muyenera osachepera 10% kufunika kwake. Komanso anagwirizana ndi mawu akuti ngongole: mwapatsidwa kwakanthawi si pasanathe zaka zitatu, ndi nthawi yokhala mu komitiyi ya zokonzeka, zochokera chakuti pa nthawi ya malipiro a wamangawa sayenera wodzazidwa ndi zaka zoposa 45.

M'pofunikanso kukhala okonzekera kuti asilikali adzafuna kulipira onse obwera ndi kugula nyumba kapangidwe kuti "kubweza usilikali" anapereka. zikhalidwe zake amatchula kuti wobwereka yekha anakhala pa inshuwalansi ndi malamulo okhudzana ntchito, kuwunika chuma ndi boma kulembetsa ake.

mabungwe a zachuma

Banks, umene akufotokozera "Asilikali kubweza" zofunika kupeza ngongole imeneyi si kwambiri kusintha. Koma aliyense wa iwo ali peculiarities yake ndi zina zabwino. Ndi pulogalamuyi, co-ntchito asanu mabanki: Gazprombank, Sviaz-Bank, Bank Zenit, Bank VTB 24, Sberbank la Russia. Komanso, 30% ya wotuluka onse anawoloka Agency chinkhoswe mu zogona kubweza kukongoza.

Posankha bungwe ndalama iliyonse msilikali ali ndi ufulu mukudziwa zikhalidwe za ngongole mu aliyense wa iwo. Koma iwo alibe kuti mabanki onse kukumbukira kapena lembani zofuna za aliyense wa iwo. Pa malo a United Federation of onse UNIS asilikali mungapeze osati mndandanda a mabanki, komanso zinthu zokhudza zamitundu inshuwalansi, zolipira zina, mabungwe ndi zina wa ngongole.

Terms of Sberbank la Russia

Ngati msilikali zimafunika ndalama ndi kubweza dongosolo ndipo anaganiza zogula nyumba pangongole, ndiye ayenera kuti ayanjane ndi zikhalidwe za mabanki zosiyanasiyana, kuphatikizapo kuti Sberbank amapereka. "Asilikali kubweza", zikhalidwe za amene angathe kukwaniritsa wobwereka, bungwe ili ndalama mwapatsidwa okha ophunzira NIS. banki amafuna kasitomala kuti alimbikitse ntchito anafuna ndalama zambiri zomwe zimaperekedwa osati kugula nyumba ina, koma anapereka chitsimikizo kwa mkazi wake (a), Chatuluka ndi inshuwalansi mokakamizidwa. banki amapereka malo ngongole pa 10,5%, pazipita nthawi ya kalembera si upambana zaka 20. Dziwani kuti chiwongola dzanja wobwereka adzakhala kungofuna kukachitika kuti iye anachotsedwa ntchito. Pamene anali chiwerengero cha asilikali lolipiridwa ndi boma ngongole.

Loan Kukonzekera VTB banki 24

Pakati pa asilikali ndi otchuka Sberbank osati. Ambiri amachita chidwi ndi mavuto limene likupezeka VTB 24 "Asilikali kubweza". Zokwaniritsa kosamalira ndalama chosiyana ndi anthu anapereka Sberbank. Choncho, mlingo osachepera chidwi VTB 24 ndi 9,4%, malipiro koyamba kungakhale pa 10% wa mtengo onse a nyumba kupeza ndi 25% ngati wobwereka akugula nyumba ndi dziko.

Kumatanthauzanso bungwe ndalama kutsimikiza kuopsa kokha chifukwa cha imfa kapena kuwononga katundu anagula pansi pulogalamu "Asilikali kubweza". zinthu Bank sizili kuti foreclose komishoni pansi ngongole ndi chimaposa kungakhale ngati n'koyenera, kubwezera patsogolo ndandanda. Borrowers lalikulu zosiyanasiyana nyumba zokwanira, chifukwa kugula nyumba yatsopano yomanga, pa msika sekondale kapena kugula nyumba ndi bwalo ndi.

Akuphedwa zikalata

Kwa kubweza wa mamembala NIS nawo ayenera kugonjera banki mapepala ngati: chikalata, pasipoti, satifiketi kutsimikizira ufulu kulandira mwapadera cholinga ngongole kwa nyumba. Mapale akukwana kuonetsetsa kuti banki akanatha kusankha kuti apereke chofunika ndalama. woyang'anira bungwe ndalama amadzadza kunja yoyenera chikalata ndi kulitumiza ilo kwa review. Ngati banki amavomereza mwayi ngongole pa mwambowu "Asilikali kubweza" chake zinthu kapangidwe ali motere: kasitomala ayenera kusonkhanitsa zolembedwa pa chinthu anagula. Choncho, mndandanda wa mapepala zofunikira zotsatirazi:

1. Documents natsimikiza umwini wa wogulitsa malo zogona. Izi zikhoza kukhala mgwirizano wa zogulitsa, mphatso, kulembetsa cholowa ndi zina zotero.

2. satifiketi, kutsimikizira umwini wa mayina a chinthu anagulitsa.

3. zaumisiri zolembedwa: mapasipoti, cadastral chiwerengero.

4. lina omwe akusonyeza pakalibe mangawa pa malipiro a ngongole zofunikira, kubwereka.

5. Maonekedwe a m'ndende zogulitsa ngati wogulitsa ndi zazing'ono.

Nkofunika kuti zikalata zonse akhala bwino zalembedwa, kapena banki loya wavomereza yopereka chotero ngongole.

kuchotsa oyambirira a utumiki

Mu moyo pali zochitika zosiyanasiyana ndipo nthawi zina anthu kuti achoke ku nkhondo. Nthawi zina zosowa likutuluka, ndi anthu amene kale anagula nyumba ndi chithandizo cha "Asilikali kubweza" pulogalamu. Terms severance Posankha ngongole chilichonse cha mabungwe ena azachuma, ambiri mantha. Ambiri amaopa kuti alibe pokhala, koma izi sizichitika, ngati wobwereka akulola kupereka yotsala ya ngongole zawo.

The State undertakes kupereka ngongoleyo okhawo amene amatumikira. Ngati mgwirizanowo asilikali chinathetsedwa, wobwereka yekha kukwaniritsa kudzipereka onse a zachuma komanso kulipira ngongole bwino ngongole.