Kagwiritsidwe apakati likulu? Akuchikazi Capital - zanyumba

The "likulu mayi" analengedwa mu 2007. Ndi Cholinga kusamalira mabanja Russian ndi ana.

The ndalama likulu umayi allocated ku bajeti boma. Pa nthawi, ena zigawo Russia anayambitsa zofanana zawo pulogalamu, zomwe cholinga chake ndi kusamalira mabanja okha ku malo enieni. Kukula kwa malipirowo, dongosolo anatsimikiza ndi chiphaso ndi ntchito za makonsolo.

boma allocates likulu umayi kwa mwana wachiwiri (kapena mtsogolo) kapena kukhazikitsidwa. Izi pulogalamu kamodzi. M'mawu ena, banja lililonse angagwiritsidwe ntchito kamodzi kokha. Si msonkho ndi lakonzedwa zaka 10. Kuchuluka koyamba likulu kholo anali 250 000 rubles, koma zimasiyanasiyana chaka ndi chaka chifukwa cha kufufuma mu dziko lathu, ndi tsopano kufika pa 429 408 rubles.

Ndani ali ndi ufulu kulandira umayi likulu?

Choyamba ndi ufulu kulandira kalata ndi mkazi amene ayenera kukhala nzika ya Russian Federation, amene anabereka mwana wachiwiri kapena anatengera iye pambuyo 2007, malinga isanafike kuti, iye anali asanalandire kalata yoteroyo. Ufulu kulandira chikalata ndipo ndi munthu amene ndi yekhayo adopter kuyenda kapena kholo limodzi pa nkhani ya imfa pobereka za mkazi wake.

Malamulo mtetezi wa mwana mu chochitika cha imfa omaliza makolo onse akhoza kupeza mtsogolo ntchito satifiketi. Komanso, mayi ndi bambo ayenera kukhala kwachilungamo sayenera akumanidwa ufulu wawo poyerekezera ndi ana. Iwo athema kuleka ziwawa aliyense ndi iwo. Koma mkazi amene anachita ana mwamuna wake kuchokera kwa mkazi wake woyamba, alibe ufulu pa likulu izi.

Kodi kufunsira likulu umayi?

Umayi likulu mwana wachiwiri mu Dipatimenti ya Fund ndi penshioni mu malo awo okhala, amene adzapatsidwa kalata wapadera kwa ndalama izi, zomwe zitha kugwiritsidwa ntchito patapita zaka zitatu kuchokera tsiku lobadwa kapena kukhazikitsidwa. The kuchotserapo yekha ndi zanyumba zimene banja anagula kapena anamanga nyumba yatsopano.

Kuti mupeze chosonyeza, muyenera kumaliza ntchito ndi kupereka kwa Fund ndi penshioni ya phukusi la zolemba izi: pasipoti mayi zikalata ake nzika Russian, satifiketi ukwati, satifiketi kubadwa kapena kalata ya ana onse kutengera mwana, dipuloma ndi akazi satifiketi. Patapita nthawi kudzakhala kotheka kuti kalata pa likulu mayi ake.

Pa zimene mungathere Kalata umayi likulu?

Atabadwa kapena kukhazikitsidwa kwa mwana, amene satifiketi ndi chikalata, makolo kuyamba kuganizira mmene ntchito apakati likulu. Ena akukonza zoti agule galimoto latsopano, winayo - kupita ku mpumulo pa nyanja, ndi ena - kupanga kukonzanso yaikulu ya nyumba. M'tsogolo ife kukonzekera kuti avomereze ntchito ndalama likulu kuyamba bizinesi zawo, mtengo kumwa mankhwala a mwana kapena mayi, kupeza malo omanga nyumba, komanso kukonza nyumba zawo, koma mpaka izo mapulani yekha.

Tsopano kobiri yonsene mmene satifiketi angathe kugwiritsidwa ntchito pa mbali zotsatirazi: mukhoza kugula nyumba kwa likulu umayi, kuwonjezera pantchito tsogolo (mbali olipiridwa a) mayi kapena kalata ya wolandira kugwiritsa ntchito ndalama za maphunziro a ana awo, kapena kumanga nyumba zawo. Mukhoza kusankha chinthu chimodzi, koma mukhoza kugawanitsa likulu mu mayendedwe angapo. Komabe, njira yotchuka kwambiri ya ntchito pulogalamu ndi kusintha zinthu amoyo mabanja achinyamata.

likulu umayi maphunziro

Mu Russia, aliyense ali ndi ufulu maphunziro aulere, koma zoona pali zambiri. Osakwanira chiwerengero cha malo bajeti ku mayunivesite ndi mabungwe amakakamizidwa amachita analipira makolo mawonekedwe amene ali okwera mtengo kwambiri zosangalatsa. Ndipo si aliyense akhoza kupeza ndalama kulipira maphunziro a ana awo. boma watenga kusamalira mabanja amenewa.

likulu umayi kwa mwana wachiwiri lizikhala pa maphunziro. Inu akutsatira kwa Fund penshioni za ntchito ndalama zawo kapena gawo lawo kulipira maphunziro mwana wawo ndipo akhoza kukhala bata za ndalama, ndi ana ako udzakhala sukulu. Mukhozanso kulipira mwana wanu kukhala mu hostels a sukulu.

likulu umayi ndi mayi tsogolo la penshoni

Tsogolo penshioni anthu kumatengera zifukwa zambiri: ufulu ambiri mkulu, zaka zopuma pantchito, limene adapuma, ndipo malipiro. Chinthu chachikulu kuti bwino chithandizo mu ukalamba ndi mbali yaikulu ya m'tsogolo ndalama zolipirira wopuma pantchito. Koma nthawi zina malipiro analandira si ndithu amakwaniritsa chifukwa ankafuna. Pankhaniyi, mkazi akhoza kugwiritsa ntchito likulu lake kuonjezera penshioni m'tsogolo. likulu umayi kwa zaka 3 atabadwa mwana wachiwiri kapena wotsatira, komanso kukhazikitsidwa kwa mwana, Pankhaniyi ntchito sikuloledwa.

likulu umayi kugula nyumba zawo

Banja lililonse latsopano kulota kwawo, koma ochepa okha ndi amene angakwanitse kugula nyumba kapena nyumba.

Kamodzi ku Soviet Union, mabanja wamng'ono ataima ima pamzere nyumba ndi kulandira ndi boma nyumba yatsopano. Kumene, ndipo tsopano mamiliyoni mabanja Russian kuima ima pamzere wa. Ndizo chabe ndi wodekha kwambiri. Only ena a iwo akhoza kumasuka nyumba, ndi m'madera ena a dziko lathu alibe yomanga nyumba. Ndipo nthawi zina mmodzi yekha ali kudalira mphamvu zawo ndi njira kugula nyumba osiyana kapena kumanga nyumba. Ndi kokha pa malipiro mmodzi si kumanga nyumba.

Chabwino, anayambitsa zanyumba mwamsanga kupeza ndalama zomangira nyumba kapena kugula malo mu Russia. zikalata anasonkhana, analandira ngongole ndipo anagula nyumba. Ndi yosavuta. Patsalanso kungopereka ngongole kubanki pa mwezi ndi chidwi chifukwa pomwepo. Koma kubweza, ngati ngongole iliyonse, mochuluka "wokongola khobiri" banja lililonse ndi ndalama avareji. Kuno kudzakhala singasiyanitsidwe likulu akuchikazi. Kubweza Pankhaniyi ukanakhala wopanda katundu banja wamng'ono. likulu umayi angagwiritsidwe ntchito kugula nyumba zawo kapena kunyumba, komanso kumanga nyumba yatsopano, kapena kuonjezera m'dera zilipo.

Amalizitse ngongole zake, anatengedwa kugula kapena yomanga nyumba yatsopano, mulibe kudikira mpaka mwana wa zaka 3. Inu mungotenga kulikonse banki kubweza ngongole ndi pangano ngongole kubwera ku nthambi ya Fund Ndalama za penshoni. Ataona ndandanda zikalata pa mndandanda ndalama zanu posited kuchuluka.

Koma kuti amange chipinda owonjezera kunyumba kwake, kudikira pang'ono. Kamodzi mwana wako utaphwa zaka zitatu, tifunika kutsatira Fund ndi penshioni ndi kulandira ndalama ndalama ku likulu kholo. Ndiye afotokoze mwatsatanetsatane iliyonse ruble anathera. Ndiye inu mukhoza kupeza ndalama ndi kupitiriza nyumbayi, ndipo nditamaliza zake ndi alipidwa lipoti mwatsatanetsatane pa ndalama zinathera.

Ndingatani kugulitsa likulu?

Nthawi zambiri, pamene akumaona malonda malo anagwira diso la anthu omwe anapangidwa kukagula umayi satifiketi likulu kapena thandizo ndalama. Anthu ambiri pali funso ngati n'zotheka kugulitsa likulu kholo. Kumene ayi. Osachepera kuti ali ndi chilamulo, ndi zimenezi, yomwe ikukhudzana chinyengo, anakumana ndi m'malo lalikulu m'ndende, ndipo osati okhawo amene amachita mwachinyengo izi, komanso wogwira kuchuluka.

Izi ndi ndalama onse, amene ali ololedwa ntchito yokhayo oimira Fund Ndalama za penshoni. Akuyenera mosamala fufuzani zikalata zonse kwa iwo, kulandira ndi kuganizira ntchito ku zopalira chilungamo kusamutsa ndalama kuti maphunziro a ana, pantchito, ndi kugula kapena yomanga nyumba. Iwo akhonza kumupatsa zikalata okha eniake, komanso ndalama kutengerapo ku nkhani chofukizira kubweza satifiketi ndi nkhani panopa makampani kumanga kapena anthu paokha amene atumikira yomanga nyumba.

likulu umayi lakonzedwa kusintha zinthu ndalama mabanja Russian ndi vuto zaziwerengero mu dziko ndi cholinga kuteteza ana ku boma. N'chifukwa chake miyeso wapadera yapangidwa chimene chingalepheretse chinyengo ndi kupereka thandizo kwa ana. Mwachitsanzo, kuti kugula nyumba kwa likulu umayi, ayenera kutsatira malamulo otsatirawa: anagula nyumba ya kuvomerezedwa adzakhala umwini wa aliyense m'banja, kuphatikizapo ana onse aang'ono. Zogulitsa a nyumba afunika kupeza chilolezo chapadera cha otumikira ndi ngati Aminoni ana awo watsopano wofanana nyumba.

Choncho, muyenera kuganizira bwinobwino pamaso kugula kapena kugulitsa umayi likulu. Lamulo bwino imalongosola udindo khalidwe limeneli. Inu akhoza kutaya osati malo a ndalama komanso ufulu wapatali.

The ngongole ndi likulu kholo

Ndalama ndi likulu la dzikoli ntchito alipire ngongole, yemwe umalimbana kugula nyumba kapena nyumba. Koma tsiku, ngongole pansi likulu umayi limachitika pamene inakhazikitsa mu zogwirizana ngongole bungwe chiphatso mu cooperatives ngongole kapena makampani microfinance ndipo umalimbana kugula kapena kumanga nyumba zawo. Pankhaniyi, ngongole ayenera kukhala mu mawonekedwe si ndalama, amene anasamutsidwa ndi nkhani ya chotengera kalata imeneyi.

Zanyumba pansi likulu umayi

Ngati inu ndi banja lanu wasankha kuthera awo umayi likulu kusintha moyo wawo, pamene kubweza - ndi njira yabwino kwa inu. The kwambiri kuti mukhoza kusankha imodzi mwa malangizo atatu, kulola kugwiritsa ntchito satifiketi:

1. Chilolezo kubweza chidwi ndi yaikulu ngongole ngongole kuti anatengedwa asanabadwe mwana, nayitana kugula nyumba kapena nyumba.

2. Nkotheka angakonze kubweza pambuyo polandirira msonkho Kalata wa kholo ndi kulongosola ndalama izi mu mawonekedwe a malipiro oyamba pa ngongole ya.

3. Mukhoza kuonjezera chiwerengero cha ngongole pa kubweza ndi likuvutika ndalama izi kugula nyumba zodula, ngati inu musalole kuti kupindula.

Iwe usanati ntchito apakati likulu kuti kubweza ndi, m'pofunika kukumbukira zotsatirazi. Mbali yaikulu ya ntchito zoterezi ndi aliyense banki Russian kulandira zikalata likulu umayi kulipira wamkulu ndiponso chiwongoladzanja pa ngongole. N'chifukwa chake Zimakhala zovuta kugwiritsa ntchito ndalama izi monga malipiro pa kubweza lapansi.

No Mbali zosafuni- ndi luso logwiritsa ntchito apakati satifiketi likulu kwa ogulidwa katundu aliyense, kaya kale anamanga, tikukonza, kapena pa ntchitoyi. Koma ayenera kuphedwa pa pangano la zogulitsa kwa inu. Pankhaniyi, kusankha mtundu wa chuma chofunika chokha banki ndi amene munapanga ndi kubweza mgwirizano. Ndithudi, mabungwe ena kokha ntchito ndi nyumba yatsopano, pamene ena M'malo mwake, ntchito ya sekondale msika nyumba.

Chinthu china ndi luso kubweza kubweza anu mokwanira mwamsanga satifiketi ali analandira. Kulipira chigawo choyamba, izo zidzakhala zofunikira kudikira mpaka zaka mwana umalandira zaka 3 zakubadwa. Mbali yomaliza ndi olowa nyumba umwini kwa anthu onse m'banjamo.

Kodi mabanki ntchito ndi likulu kholo?

Pafupifupi mabanki onse m'dziko nkhani yathu ngongole kubweza kwa anthu, kuti si monga aliyense akutenga likulu akuchikazi.

1. "Sberbank la Russia". Iye amapereka ngongole okha kale nyumba pa mlingo wa 14% pa annum kwa nthawi ya zaka 30. Nyumba kapena nyumba, anagula kwa ndalama izi mwachindunji ayenera kukhala mu chuma cha anthu onse m'banjamo.
2. "Rosselkhozbank". Iye amapereka kubweza popanda malipiro , anapereka ntchito ndalama ku likulu kholo kwa zaka 25. chiwongola dzanja pa ngati ngongole zimadalira ndalama ndi mawu. Komanso, n'zotheka kubweza kubweza oyambirira popanda malipiro alionse, zilango ndi malamulo.
3. "VTB 24". Izi adzalola banki kutenga ngongole kwa zaka 50 ndi mlingo wa 11% ndi kutenga likulu umayi monga malipiro.
4. "Bank of Moscow" adzalola kuti abwezere ngongole ndi chidwi pa ngongole ntchito chilungamo chanu.
5. Bank "UniCredit" amalandira ndalama kuchokera satifiketi kulipira ngongole ya nyumba ya. Mlingo - 12-13%.
6. "DeltaCredit" banki. Iye adzakupatsani ndi kubweza ngongole ntchito chilungamo chanu pa chiwongola dzanja osachepera - 5% pa chaka. Mudzatha kulipira ndalama koyamba kapena alipire oyambirira a kubweza ngongoleyo, ntchito apakati likulu.
7. "Rosbank" limakupatsani kulipira ngongole ndi mlingo wa 12,5% likulu kholo.
8. The Agency kwa kubweza kukongoza. Iwo adzalola kutenga ngongole yabwino, ndipo pa nthawi yomweyo kugwiritsa ntchito ndalama izi ngongole ndi malipiro. Pankhaniyi, limagwiritsa ntchito mitengo osiyana chidwi chifukwa kugula nyumba mu nyumba yatsopano ndi nyumba, anagula pa msika sekondale. Mbali yoyamba, mlingo ngongole adzakhala 8%, lachiwiri - 9%.
9. Bank "Oyamba". Kubweza ngongole ndi malipiro ngongole ndi chidwi adalira kwa ndalama operekedwa ndi likulu kholo. Mlingo zimadalira gawo poyamba tsiku ndi pafupifupi 12%.
10. "Raiffeisen Bank" amapereka mlingo wa 11,5%. - kuchokera zaka 1 chaka 25, ndi kubweza chikuperekedwa ngati okonzeka zopangidwa nyumba, ndi tikukonza.

Kodi nditani ndi satifiketi, ngati kubweza ndi lathuli pa mwamuna wake?

ngongole iliyonse banki opatsidwa ndi golide ulamuliro - apamwamba a ndalama, m'pamene angathe kutenga ndalamazo. Ndi kokha mwa ambiri mabanja Russian ndi earner chachikulu ndi munthu. Iwo anali malipiro ake akuti ndi lalikulu mu bajeti. M'mabanja ena mkazi wapabanja, ndipo iye alibe ndalama iliyonse. Pankhaniyi, ngongole zonse chikalata kwa mwamuna, makamaka zanyumba. Umo ndi mmene ntchito apakati likulu mu nkhani iyi? Izi ndi chimtolo kugwiritsa ntchito moyenera Kalata likulu kholo kutukula miyoyo yawo mothandizidwa ndi kugulira nyumba.

Tsopano, nsikidzi awa mapulani ndi Fund ndi penshioni sadzakhala kuitanitsa chikalata chotsimikizira umwini wa nyumba mamembala onse banja. Pakali pano, mkazi ali ndi ufulu ntchito ndalama chinapatsidwa likulu kupereka ngongoleyo pa kubweza ndi, anapereka pa mkazi wake. Mkhalidwe Waukulu ntchito satifiketi ali ndi ukwati, womwe ndi Fund penshioni tsiku ndi kuvomerezedwa ayenera kupereka umboni m'ndende wake.

zikalata Amafuna

Zikuonekanso kukhala zotheka kugwiritsa ntchito ndalama likulu kwa refinancing ie alipire ya kubweza ngongole zina zimene linaperekedwa pa mawu abwino kwambiri. Komabe, kugwiritsa ntchito ndalama zimenezi zimatheka ngati ngongole ya linaperekedwa kupeza kalata ku likulu.

Aliyense banki amapereka akonzedwa yakeyake zikalata chofunika kupeza ngongole (kubweza) ndi ntchito ya ndalama likulu, koma akuluakulu ndi izi:

1. Certificate likulu amako - choyambirira ndipo bukuli.
2. Zitupa ndi mwamuna wake.
3. A buku la pangano ndi banki pa kubweza ngongoleyo.
4. Kalata ya kalembera wa katundu kwa nyumba zanu kapena m'nyumba, anagula pa ngongole - ndi buku la pachiyambi.
5. A kalata ukwati. M'pofunika, monga tatchulazi, ngati mukufuna kugula apakati likulu, kubweza pamene lathuli satifiketi kwa mwamuna wolandira a.
6. Certificate ku banki za mpumulo wa kuchuluka muli pa kubweza wanu.

The "likulu mayi" lilipobe mpaka mapeto a 2016, koma angathe, koma ichi chisintha zayamba. Iwo ankafuna kuti kukuza mwayi wa ntchito zida izi, koma pa nthawi yomweyo kupereka chithandizo ku mabanja osauka kwambiri. Komanso, ndalama izi zikhoza kugwiritsidwa ntchito pambuyo pa kubadwa kapena kukhazikitsidwa.

Monga mukuonera, palibe zovuta kupeza umayi likulu kumeneko. Komanso nkhawa kuti sudzapereka, satsatira. Imangokhala yokha kuzindikira kuti ndi bwino kupita kupyola mu njira ya zamalamulo kupeza ndalama. Apo ayi, palibe zotsatira osangalatsa kwambiri kwa inu. Tikukhulupirira Nkhani imeneyi kwathandiza kuti vuto la kugwiritsa ntchito umayi likulu mwanzeru ndiponso kuti athandize banja lake.