Njengoba cashing womama dolobha ngezindlela ezisemthethweni?

Kusukela ngo-2007, uMbuso lithuthukile zoxhaso imikhaya osemusha onezingane izihlobo ezimbili noma ngaphezulu noma unezingane zokutholwa. usizo kokuqala zaba ingxenye yesine ka sesigidi sama-ruble., Kulungiselwe izinga lokwehla kwamandla emali ngonyaka ka-2014 uzothola isitifiketi inani ruble ayizigidi 420. Kasibili yonke eminye imindeni ngemuva January 1, 2007 waba ingane kwesibili noma izikhathi ezilandelanayo bangase bafanelekele usizo lomphakathi, lolu hlelo kusebenza futhi unezingane zokutholwa. Yingakho abazali uyazibuza kanjani cashing womama dolobha.

Kanjani ukuze uthole usizo lwezimali ezivela isimo?

Akunjalo ngempela ngokushesha ngemva kokuzalwa kwengane egijima emva imali Basaba ingasetshenziswa uma ingane ifinyelele eminyakeni engu-3. Iyafaneleka usizo akukho abazali ungawususi, ngakho izimali ayatholakala nganoma yisiphi isikhathi. Lubhekele ekusebenziseni uhlelo RF Pension Fund, abameleli bayo uzokutshela ngokuningiliziwe indlela cashing womama dolobha.

Ukuze uthole isitifiketi eqinisekisa esifanele isimo usizo lwezimali, kubalulekile ukuqoqa amadokhumenti: isitifiketi sokuzalwa zonke izingane, umama iphasipoti, isitifiketi yomshuwalense okuyimpoqo kwempesheni, isinqumo senkantolo ngokwamukelwa. Khona-ke udinga ukufaka isicelo PF emzini wakhe futhi ukubhala isitatimende iphethini sivunyiwe. I igunya amakhophi kuphela kwemibhalo. Isitifiketi izotholakala ngenyanga.

Izindlela eziyinhloko yokuthola imali

Engazi ukuthi wayezobathola kanjani cashing womama dolobha, abazali abaningi kokunganaki iwe for the imikhonyovu lolo. Khumbula: ngokomthetho zisebenzisa wombuso aid kungaba izinkokhelo non-cash. umthetho siyachibiyekwa njalo ngonyaka, kanye nezindlela ukusetshenziswa womama capital ukhula. Kuze kube manje, iningi isitifiketi esetshenziswa ukwenza ngcono izimo zokuphila umndeni. Abazali Ungathenga ikhaya, yakha awakho, iqhaza ukwakhiwa ngokuhlanganyela, zokulungisa, akhokhele noma isithakazelo kuyo.

Nokubeletha dolobha angaya ukukhokhela imfundo ephakeme yanoma yiyiphi ingane emkhayeni, eminye zemfundo, nge layisense ngokukhethekile, izikole kamasipala kanye nesimo noma izinkulisa. Isitifiketi kungasetshenziswa futhi ukuthuthukisa ingxenye uxhaso impesheni umama, kukuvumela ukuba wenze imali futhi PF yangasese. Sidingida nokuthi kungenzeka wombuso aid ngenxa imfundo ephakeme kwabakhulelwe.

Yikuphi amabhange cashing womama dolobha?

izikhungo eziningi yasebhange ezisebenza eRussia, ethola izitifiketi njengendlela yokukhokha mortgage. Lizele, kanye lapho inhloko-dolobha likamama imali, abanye abazali zibanjwa izigebengu, ngenkathi kokulahlekelwa okungenani ingxenye eyodwa kwezintathu yemali, kanye esiphezulu - nakanjani. Isimo engabondli abakubo Ukukhishwa kwemali lokhu kungathathwa esetshenziselwa ukudla nezingubo zokugqoka, ngakho musa baqhubeke mayelana wabenza yokungathembeki.

Abasebenzi PF ukutshela kanjani cashing womama dolobha ngokomthetho. Uma umndeni edinga izimo izindlu ezingcono, bese loan ne buyiselo kwalo okwalandela of wombuso aid kungenziwa ukhokhelwe lamabhange alandelayo:

• Savings Bank - inikeza ukubolekisa iminyaka engu-30 e-14% ngonyaka, ukusebenza izakhiwo ngomumo eyenziwe.
• DeltaCredit - ihlinzeka ngemali yokwakha nge umnikelo sokuqala 5%.
• VTB24 - inikeza ukubolekisa iminyaka engu-50 e-11% ngonyaka. Nokubeletha dolobha zingasetshenziswa njengendlela yokukhokha phansi.

Futhi imikhiqizo credit evumayo anikezwa Bank of eMoscow, Primsotsbank, UniCredit, nomos Bank.