Inhlokodolobha nokubeletha ukuthengwa zokuhlala: Highlights

efulethini siqu okwamanje - kungcono umgomo cishe ongenakuwufinyelela imikhaya eminingi abasha, kodwa inhlokodolobha womama, okuyinto zikhokhwa nguhulumeni ngoba ingane kwesibili noma izikhathi ezilandelanayo ozalwa emndenini, kungaba usizo esihle kule ndaba.

inhlokodolobha nokubeletha ukuthenga indlu isetshenziswa kuphela ngaphansi kwezimo ezithile, ebekwe umthetho. Ngokuyinhloko Kuyaphawuleka ukuthi isitifiketi ikhishwa oyakungena force kuphela ngemuva kokuthi ingane eba neminyaka emithathu. Kala kuleli cala - a ezidingekayo neqondekayo eziningi. Iqiniso liwukuthi abazali lapho ingane yokutholwa futhi ithembele, lokhu kukhokha, kodwa ngenxa yokuthi abanye abantu abonakele ingakwazi isimo futhi ukuthuthukisa isimo sabo sezimali ngezithukuthuku yimiphi ngengane engenacala. inhlokodolobha nokubeletha ukuthenga amafulethi ingasetshenziswa kuze kube isikhathi lapho ingane akanayo iminyaka emithathu, kuphela ezimweni ezithile. Ake sihlolisise ngalesi daba.

Sebenzisa isitifiketi okuholela kungaba cishe ngokushesha nje ngemva kokuzalwa kwengane uma:

- ekukhokhweni kokuqala (primary) umnikelo mortgage abolekise noma target;

- isithakazelo izinkokhelo kanye izinkokhelo eliyinhloko loan izindlu noma indlu, ekhona kakade ngesikhathi sokuzalwa.

Ngokwemvelo, lokhu kusho imali akekho oseke inikezwe lisho ukuthi ngeke unike. inhlokodolobha nokubeletha ukuthengwa amafulethi wayebizwa ezibhalwe ku-sokukhokhwa kwesikweletu ngesicelo abazali esebenzisa yokudlulisa. Futhi uma lemali oyinhloko ngeke idlule inani capital, izimali ezisele ingasetshenziswa kuphela ngemva okwamanje lapho ingane iphendula emithathu ubudala.

Nokubeletha dolobha (efulethini, noma kunalokho, ukuze ukuthengwa zokuhlala, okuyinto abazimisele ukuchitha) ingatholakala ngezindlela ezilandelayo:

- Uma usunayo ethile yemali futhi kancane esifushane-ke, bhala isicelo nokuthobela iziphathimandla RF Pension Fund amaphepha adingekayo, ungathola lemali edingekayo imali ukuthenga indlu imali;

- ukuthatha mortgage futhi akhokhe imali yokufaka kokuqala usebenzisa isitifiketi wathola;

- Ungasebenzisa inhlokodolobha womama ukuthenga indawo esimweni we ukwakhiwa ngokuhlanganyela, kuleli cala, ngokwenza inani eligcwele noma ingxenye yayo njengoba imali yokungena;

- ukulingana iqhaza nayo hhayi ngaphandle, ukuze ukwazi ukusebenzisa isitifiketi endabeni echazwe.

Nokubeletha capital for ukuthengwa indlu isetshenziswa, siphinde sihlinzekele nezinhlelo ezihlanganisa izimo ezithile, ukuhambisana okuyinto washiwo nomthetho. Njengoba ngcono izimo zenhlalo futhi esiphilayo isitifiketi umndeni ingasetshenziswa ukukhokhela ukuthengwa indlu ezweni noma indlu emzaneni, kodwa kubalulekile ukuthi indlu wayebhekwa izindlu, esolwa ukuthi aqukethe akukho ukwakhiwa ehlobo noma engadini elachitheka, futhi eyodwa lapho ungaphila unaphakade . Esinye isimo: ilungelo impahla kumele ihlukaniswe phakathi kwawo wonke amalungu omkhaya, uma ezingxenyeni alinganayo, kodwa kuwo wonke umuntu hhayi.

Khumbula ukuthi ngo-2013 inani womama dolobha zaba ruble 408.960, futhi ekuqaleni kuka-2014 ngeke sifinyelele kakade ruble ecishe ibe yizinkulungwane 430. Ngonyaka olandelayo, umthetho ingashintshwa ngu izinto usebenzisa isitifiketi. Ngakho, uhlela ukuvumela ukusetshenziswa ke ekwelapheni ingane kwezemfundo wabazali, kanye nezinhlelo zokusabalalisa ulwazi ukuze sandise uhlu lwezinto okuyiwona isitifiketi isetshenziswa ukuthenga izindlu.