Mat. I-Capital njengenkokhelo yokuqala yokubolekwa kwempahla: izimo. Amadokhumenti okukhokhwa kwe-mortgage ngumthamo omkhulu womzali

Amayunithi emindeni emisha kuphela ekwazi ukuzakhela izindlu zazo ngokuzimela, okuzohambisana nezifiso zabo, imali ekhishwa emholweni. Yiqiniso, kungaba usizo lwezihlobo, imali yabo eqoqiwe, kodwa uhlobo oluvame kakhulu lwezimali yi-mortgage loan. Uhulumeni unesithakazelo lokuthi imindeni emisha ithola izindlu ezihlukene, ngakho-ke yakha uhlelo lonke lokusekela imindeni emisha.

Isitifiketi sokubeletha sokuthuthukiswa kwezindlu

Kuze kube manje, imali enkulu yokubeletha iyisizo esibalulekile emindenini enezingane ezimbili noma ngaphezulu. Uhlelo lusebenze kusukela ngo-2007. Kungasetshenziswa ekwandiseni isikhala sokuhlala, kubandakanya ukukhokha ingxenye yesikweletu sokuboleka imali, ukuchitha imali ngokukhokhela isikhungo semfundo ephakeme noma impesheni yomama. Indlela ejwayelekile kakhulu yokusebenzisa lolo lwazi kumindeni yaseRussia kuyindlela yokuqala. Ngemuva kokuba umengameli asayine ngoMeyi 2015, u-FZ-131 mat. I-Capital njengenkokhelo yokuqala yokukhokhelwa kwempahla ingasetshenziswa kungakhathaliseki ukuthi kuzalwa nini noma ukutholwa kwengane yesibili. Kusukela ukusebenza kwalolu hlobo lombuso. Ukusekela ukusetshenziswa kwalolu sizo kukhula ngokwengeziwe. Ngaphambili, ngaphandle kokulinda ingane engu-3 ubudala, kwakungenzeka ukuthi kusetshenziselwe amathuba okulinganiselwa kwesitifiketi esinjalo.

Kungenzeka yini ukusebenzisa isitifiketi somama namuhla njengonyaka wokuqala?

Uhlobo lwesekelo lombuso oluhlongozwayo luhilela ukuthola isitifiketi esingekho esikhwameni esingenakushintshaniswa futhi singasetshenziswa kuphela umndeni kwezinye izimo ezithile. Kusukela ngo-2016, ilungelo lokwenza imali yokubeletha njengesiqalo sokukhokhwa kwemali ekhokhelwa ngokusemthethweni kuyasebenza. Isisekelo ngu ФЗ № 131 kusuka Meyi 23, 2015 .

Uma sikhuluma ngemithetho ejwayelekile, imali yokubeletha ingasetshenziswa njengomnikelo wokuqala, futhi njengenkokhelo yesisekelo sesikweletu esikweletu. Lena ithuba elihle emndenini osemusha ukunciphisa ubukhulu bomthwalo wezezimali futhi ukhokhele imali yokubolekwa imali ngokushesha kunesikhathi sokukhokha okushoyo.

Ngeshwa, ngisho lapha akunakwenzeka ngaphandle kwezinkinga. Akuzona zonke izinhlangano zebhange eziqhuba kalula i-mortgage enenhloko-dolobha yomzali. Kodwa kukhona namabhange akha amadili anjalo, ahlinzeke izinhlelo ezinenzuzo. Njengomthetho, namuhla ezinhlanganweni eziningi isilinganiso esiphezulu sokuthengwa kwemali ngu-14%.

Indlela yokufaka isicelo?

Uma kwenzeka umndeni uhlela ukusebenzisa imali yokubeletha njengenkokhelo yokuqala yokubolekwa kwempahla, ababoleki kumele bahlangabezane nazo zonke izidingo zenhlangano ebhange. Ezimweni eziningi, izidingo zokukhishwa kwemali mboleko zifana nalokho okubolekwa ngemali mboleko yomthengi:

1. Abafundi kumele babe nomsebenzi wokuhlala unomphela kanye nesipiliyoni somsebenzi okungenani izinyanga eziyisithupha. Amanye amabhange enza njengento edingekile - okungenani unyaka eminyakeni emihlanu edlule.

2. Esikhathini esidlule, ukubalwa kwesibonelelo sempahla, amabhizinisi asebhange acabangela kuphela imali ebolekiwe yomthetho, eqinisekisiwe. Umholo "omnyama" ungasebenza njengemali eyisibili, kodwa kaningi akuzange ukhokhwe. Futhi kuze kube manje izinhlangano ezinkulu zisebenza ngaphansi kohlelo olunjalo. Kodwa ukuncintisana okuningi kwezikhungo zezimali kungabasiza ababolekayo. Amanye amabhange acabangela noma yikuphi ukuhola komuntu obolekayo, okubandakanya okungafaneleki. Kudingekile ukuthi ufunde ngezici ezizimele zale mibandela evela kubasebenzi benhlangano ngenkathi yokubonisana. Ngezinye izikhathi kuyisibonakaliso salesi samba esiba nesisombululo lapho kuvunyelwa ukuthenga imali.

3. Ukungabi nempahla esemthethweni endaweni. Lesi simo sivumelekile kuphela kulabo abafisa ukukhipha imali yokubolekisa ngezinhlelo ezikhethiwe ezixhaswe yizwe.

4. Uma kusetshenziselwa ukubuyiselwa kwemali yomhlalaphansi ngumzali, ukwabiwa kwamasheya kubantwana kuyimpoqo.

5. Ukuze sikwazi ukuba ngumnikazi wezindleko ngaphansi kohlelo lomphakathi, umboleki kumele abe nomlando wesikweletu esihle.

Ungathatha kanjani imali yokubolekisa ngemali yomzali?

Ngaphambi kokuqala inqubo yokudlulisela izimali zesitifiketi somndeni ukuze ubuyisele imali yokubolekwa kwezindlu, kufanele ufike esiKhwameni sePensheni bese uthola lesi sitifiketi, esizoba ukuqinisekiswa okusemthethweni kwalesi lungelo.

Lapho isitifiketi siseduze, ababolekisi besikhathi esizayo kumele banqume ukuthi iyiphi inhlangano ebhange abayobambisana nayo futhi kufanelekile ukuhambisa imibhalo. Kungcono ukuvakashela izinhlangano eziningana zebhange bese ubala imali yokubolekwa kwemali ephethe imali enkulu yomzali kuzo zonke izinhlelo ezikhona. Ngemuva nje kokuhlaziywa ngokugcwele kwemigomo ehlongozwayo yemalimboleko (isilinganiso senzalo, imali eyandulelwe ngaphambili, umshuwalense owengeziwe, njll) ungafaka isicelo sokuthola imvume.

Namuhla, asikho isidingo sokulinda kuze kube yilapho ingane, emva kokubonakala komndeni ukuthi ithole ilungelo lesitifiketi somama, iyoba neminyaka emithathu ubudala. Uma udinga ukusebenzisa isitifiketi somnikazi (okungukuthi, unina wezingane), kufanele ufake isicelo kwihhovisi lesifunda le-Russian Federation ngesicelo esilandelayo kanye nephakheji lamadokhumenti.

Amadokhumenti okukhokhwa kwemali ekhokhwayo ngemali yomzali

Ukuze basebenzise izindlela zesitifiketi sokukhishwa kwamacala abo, kuzodingeka iphakheji elithile lamadokhumenti. Kuye ngenhlangano ekhethiwe, izidingo ezingeziwe zingase ziphakanyiswe. Kodwa, njengamthetho, amabhange amaningi acela amadokhumenti alandelayo ukuthi abuyiselwe imali yokubolekwa kwempahla ngemali yomzali:

1. Amaphasipoti asezakhamuzi zaseRussia namakhophi amadokhumende. Lokhu: INN, SNILS, ikhophi eqinisekisiwe yencwadi yomsebenzi evela emsebenzini. Ngeke kube okungenasisekelo ukunikeza ipasipoti yangaphandle noma ilayisensi yokushayela noma i-PTA.
2. Isitifiketi esiqinisekisa ilungelo lokuthola izimali zokubeletha.
3. Iqoqo lamadokhumenti eliqinisekisa ngokusemthethweni imivuzo yomboleki: idokhumenti eqinisekisa ukungabikho kwemali ngezinkokhelo eziphoqelekile, isitifiketi esenziwe ngebhange ngemali engenayo, noma ifomu elijwayelekile le-2-NDFL lingasetshenziswa.
4. Inkontileka yokudayiswa kwefulethi noma indlu.
5. Ulwazi mayelana nento ethengwe: ulwazi olugunyazayo ngesimo sendawo ye-BTI, ukukhishwa kwincwadi yendlu, ipasipoti enokuhlolwa kwesimo sezobuchwepheshe.
6. Isiqiniseko esisemthethweni esiKhwameni sePensheni ukuthi i-akhawunti yomuntu obalekayo inakho imali.
7. Isicelo sokubhaliswa kubunikazi obubiwe.

Yini okufanele ifakwe esikhwameni sesempesheni?

Kubalulekile ukuqonda ukuthi i-mortgage esebenzisa imali yokubeletha ayiyona inqubo esheshayo. Ikakhulukazi uma umthengi engasebenzisi amasevisi e-estate agesi futhi udweba isivumelwano ngokwabo. Ngemuva kokuthi ibhange linikezwe wonke amadokhumenti, amakhophi kanye namanye amadokhumenti aceliwe, kuyadingeka ukuba uye esikhwameni sePensheni bese ubanika amanye amaphepha. Ngokuvamile, lokhu kungukuthi:

1. Iphepha elisemthethweni elisuka ebhange, okubonisa ukuthi obolekayo uhlose ngempela ukungena esivumelwaneni sokuthengwa kwempahla. Njengomthetho, le dokhumenti ikhishwa ibhange ngendlela evamile.
2. Yonke imininingwane jikelele mayelana nendawo yokuhlala, okuzobe yinto yokuboleka imali.
3. Yonke imibhalo, njengaleyo ebhange, inomnikazi womboleki (ipasipoti, i-SNILS, i-TIN).
4. Kusemthethweni ukubhala isicelo sokudluliselwa kwezimali ngokukhombisa imininingwane yebhange.

Izimo zemali ekhokhelwa emabhange adumile kakhulu

Noma yisiphi isikhungo sezimali sinesithakazelo ekwenzeni izinkontileka eziningi ngangokunokwenzeka kumalimboleko amakhulu. Kulezi zinhlobo zemali yokukweleta yi-mortgage yemali yokubeletha. Amabhange, njengemikhonyovu yokusebenza, ehambisana nokubhaliswa kwemalimboleko ehlanganisa ukubalwa kwemali yomndeni. Ngakho-ke, ngaphambi kokunquma ukuthi ungasebenzisa kanjani umthamo. Inhloko-dolobha njengengxenye yokuqala ekuthengiseni impahla, kufanelekile ukuhlola izimo zezikhungo zezezimali. Ochwepheshe batusa kuqala ukubhekana nezinhlangano ezinkulu ezisebenzisa ukuthandwa okukhulu phakathi kwabakhokhi.

I-Mortgage ne-Sberbank

Mhlawumbe, leli yibhange elifanayo elilungele ukuhlinzeka ngempahla yokuthenga izindlu, kungakhathaliseki ukuthi isigaba salo. Ngakho-ke, umboleki ngamunye angenza isivumelwano sokuthengwa kwekhaya lesibili, indlu yangasese noma igumbi esakhiweni esisha. Kungenzeka futhi ukukhokhelwa kwemali yokubeletha. Imfuno esemqoka yebhange iyidlulisela imali eyisibopho sesitifiketi kungakapheli izinyanga eziyisithupha emva kokuphetha komthengi.

Izimo ezisemthethweni:

1. Isikweletu sinikezwa kuphela ngemali kazwelonke.
2. Isilinganiso sokubolekwa kwemali mboleko ngu-14.5%.
3. Isikhathi esiphezulu sokubonga singamashumi amathathu.
4. Inani lomnikelo wokuqala kufanele libe okungenani ngamaphesenti angu-20.
5. Inani lokuthengiselana alikho ngaphezu kwama-ruble angu-40 000 000.

"VTB 24"

Ibhange lesibili elidumile kakhulu, lapho abakhokhi babambisana khona, benza imali yokuboleka imali. Inkontileka ingaphethwa ngokuphelele kunoma yikuphi izindlu, kungakhathaliseki ukuthi isigaba saso. Lokhu kungukuthi, kungaba impahla yangasese, izindlu eziyisibili, isakhiwo esisha. Ebhange, lesi sici asiyona into enqunyiwe. I-mortgage yemali yokubeletha nayo iyatholakala lapha. Izimo eziyisisekelo zokungena esivumelwaneni ne-VTB 24:

1. Imisebenzi yokuthola indawo yokuhlala iyenziwa kuphela ngemali kazwelonke;
2. Isilinganiso sesilinganiso senzalo sinama-15.95%;
3. Isikhathi esiphezulu sokuphetha kwesikweletu seminyaka engu-30;
4. Inkokhelo encane yokuthengiselana i-20%;
5. Izindleko zezindlu akufanele zidlule ama-ruble angu-30,000,000.

"DeltaCreditBank"

Uma ufuna ukwenza i-mortgage eDelta Credit Bank, kuzomele ukhumbule ukuthi ukubhaliswa kungenzeka kuphela ezindlini eziyisisekelo nezesibili kuphela. Ukudluliswa kwemali kusukela ngosuku lokuphetha kwenkontrakthi kungenzeka eminyakeni engangonyaka kusukela ngosuku lokusayina.

Izimo lapho kungenzeka khona ukukhipha imali yokubolekwa kwempahla usebenzisa izindlela zemali yomndeni:

1. Zonke ukuthengiselana nokudluliselwa kungenzeka kuphela kuphela kuzwelonke - ama-ruble.
2. Isilinganiso semali yokubolekisa isilinganiso siyi-15.25%.
3. Imali yokufaka ingu-30%.
4. Isikhathi esiphezulu sekhredithi angeke sidlule iminyaka engu-25.

Ukubalwa kokukhokha okuphansi

Njengomthetho, akuwona wonke amabhange enikeza ulwazi ngalokho inani lomnikelo wokuqala ozoba khona. Umndeni ngamunye ufisa ukwazi ukuthi yiziphi izimo ongazithola, ngakho-ke ufisa ukubala inani lomnikelo wokuqala ngokuzimela. Empeleni, akunzima kakhulu. Ukuze wenze lokhu, udinga ukwazi izindleko eziqondile zezindlu kanye nengxenye evezwe ngamaphesenti, okuyinto ibhange elidingayo njengenkokhelo ephansi. Ngakho-ke, isibonelo, uma indlu noma indlu idla ama-ruble angu-3,000,000, futhi ibhange lidinga ubuncane bama-20%, atholakale ama-ruble angu-600,000. Uma kwenzeka umndeni uhlela ukusebenzisa umthamo. I-Capital njengoba isitolimende sokuqala esikhwameni sokuthenga impahla, kunengqondo ukuthi kunoma yikuphi okudingekayo ukukhokha imali ngenkokhelo.

Uma umndeni ubalwa kuphela ngosizo lwesitifiketi, khona-ke kungenzeka ukubala izindleko zezindlu ezingakusho. Ifomula ilula: ubukhulu bomat. I-Capital х 100 / isibonakaliso sokukhokha kokuqala.

Izincomo

Kubalulekile ukuqonda ukuthi imali yokubeletha iyindlela yokwesekwa kahulumeni, ngakho-ke inani elinikeziwe lingasetshenziswa kuphela ngezidingo ezithile. Akunakwenzeka ukuhamba futhi uchithe noma nini lapho uthanda. Uma uhlela ukusebenzisa umthamo. I-Capital njengenkokhelo yokuqala yokuthenga imali noma njengokukhokhwa kokukhokha kwesikweletu esiyinhloko, kubalulekile ukuxwayisa isiKhwama sePensheni mayelana nengxenye yonyaka ngaphambi kokuphela komthengi. Isabelomali sesifundazwe kanye nezinkokhelo zihlelwe njalo ezinyangeni eziyisithupha.

Uma kwenzeka ukuthi ingxenye yentengo yomzali isetshenziswe kakade, ibhalansi ngeke isetshenziswe njengenkokhelo yokuqala. Into kuphela engayenza ukunciphisa isikweletu ngaphansi kwesivumelwano sokukhokha imali esikhona.

Isiphetho

Ngaphambi kokuxhumana nebhange, udinga ukuzikhethela ukuthi iyiphi inqubo yokwakha okufanele ukhethe. Futhi nakuba iqhaza ekwakhiweni okwabelwana, ingozi kaningi kakhulu, umndeni ungathola inamba enkulu yamamitha, kanye nokwenza imali yokuthenga ngemali ehle kakhulu ngokwezinkokhelo zenyanga.