Ngenxa yesilinganiso esinganele sokwakhiwa kwezindlu zikamasipala kanye nokuhamba kancane kakhulu kokuhlinzeka labo abaswele futhi balinde impahla, umbuso wethule uhlelo lokuxhasa ngezimali imindeni lapho uthenga amafulethi. Njengoba kungenzeka nokwenza imali "kwi-capital capital" nokuthola imali yokudonsa intela, abathengi bangakwazi ukufaka izicelo zokuxhaphaza izindlu.
Ukuze uthole ukuthi yini imali yokubolekwa kwemali ehambisana nokusekelwa kwezwe, futhi yimiphi imikhakha yemindeni engalindela usizo, kuzodingeka uxhumane neziphathimandla eziphezulu zendawo. Lapho kufanele futhi unikeze isethi edingekayo yamadokhumenti ekukhipheni isitifiketi sesibonelelo: isicelo, amaphasipoti, isitifiketi somshado, imibhalo eqinisekisa isidingo sokuthuthukisa izimo zezindlu, nabanye. Umbuso ulungele ukukhokhela izindleko zezindlu (40%) izindleko zezindlu (ngokuthengwa kwazo usebenzisa uhlelo "Ukuboleka ngemali kahulumeni").
Empeleni, konke akubukeka kuhle kakhulu. Okokuqala, ukuthola insizakalo, kubalulekile ukuthi umndeni uqaphele ukuxazululwa. Ngempela, i-mortgage ne-state support ihlinzeka ngokuthi yonke izindleko zezindlu "iselula yomphakathi" zikhokhela izinsiza zayo. Okwesibili, lapho kubalwa inani le-subsidy, kusetshenziswe izinkomba ezimbili: inani lemvelo elihlala kumuntu ngamunye (manje selibekwe kumamitha ayisishiyagalolunye ayisishiyagalolunye emndenini wezintathu) kanti inani elilinganiselwe li-1 sq.m. Indawo yokuhlala eRussia.
Kuyacaca ukuthi ukusetshenziswa kwalesi sibonakaliso sokugcina kulungele kuphela ukugcina izimali zikahulumeni, ngoba intengo yezindlu eMoscow nasemzaneni ngaphesheya kwe-Arctic Circle ihlukene izikhathi eziyishumi. Ngakho-ke, i-mortgage ne-support support yombuso ingaba yinzuzo, kodwa kuphela kulolo hlobo lwesintu esakwazi ukuthenga umuzi edolobheni elikhulu futhi ngaphandle kokuheha noma yikuphi ukuxhaswa, ngoba imali yangempela yenxephezelo ngeke ibe ngu-40%, kodwa kuphela ngo-10-15% Lapho uthenga indawo yokuhlala edolobheni elikhulu).
Phakathi kwawo wonke amabhange aseRussia, kuphela i-VTB-24 ne-Sberbank esebenza ngaphansi kwaloluhlelo. I-Mortgage ngokuxhaswa kukahulumeni kulezi zinhlangano inikeza izikweletu kuze kube ngu-80% wezindleko zezindlu (kucabangela ukuthi inani langempela lezinsizakalo ngokuvamile lingaphansi kuka-20%, kusobala ukuthi ingxenye yomnikelo wokuqala emndenini kusadingeka ukuqoqwa). Izinga lokubolekisa li-11%, isikhathi sineminyaka engama-30. Umboleki uphinde unikezwe ithuba lokusebenzisa izimali zokubeletha ukuze akhokhe futhi athole intela yokukhokha intela inzalo ekhokhwayo.
Ukwamukela isitifiketi sesibonelelo ngokuvamile kuthatha izinyanga ezimbalwa, ngoba isicelo sibhekwa ezindikimbeni eziphezulu zamazinga onke. Njengoba kunikezwe ukunyuka kwenyanga kwezintengo zendlu emadolobheni amakhulu, kungathiwa ngokuqiniseka ukuthi ezimweni zamasheya ezamanje zendawo futhi uma usebenzisa izindlu zendawo yokuhlala ezindaweni zokuhlala, i-mortgage ne-state support isingenangqondo.