Kugula nyumba ya likulu kholo: zikalata, maofesi. Loan kugula nyumba pansi likulu mayi

State thandizo monga likulu kholo amapereka mwayi kwa mabanja kutukula nyumba zawo, kupeza malo ngongole (kubweza) kulipirira maphunziro a ana osati. Kutaya ndalama allocated ngati n'kotheka pambuyo Mwana akakwanitsa zaka zitatu. Nthawi imeneyi, pali kuthekera kwa ntchito oyambirira a kalata banja kuti malipiro oyamba pa ngongole / zanyumba pa chuma zogona kapena kulipira ngongole otsala pa ngongole alipo, amene anali linapereka kupeza malo. Kugula nyumba ya likulu umayi - yabwino ndipo nthawi zambiri njira mabanja okha kugula kapena akagwire moyo wawo. Mu njira zambiri, izi pulogalamu ya boma thandizo anawonjezera mpaka 2018.

Kugula nyumba ya likulu kholo: zokwaniritsa

Tumizani satifiketi banja imene angathe kugula malo. Mu 2016, kuchuluka izi ndi zoposa 450 zikwi rubles. Mofanana ndi chochitika china chilichonse, akugula nyumba pansi likulu mayi ali ndi makhalidwe komanso mokoma, tikambirana ina.

1. nyumba ayenera kusinthidwa kukhala nthawi iliyonse chaka ayenera kukhala zikalata zogwirizana kutsimikizira izo. "Dacha" options sizigwira ntchito - kwa ogulidwa yomanga ngati zosatheka kukopa thandizo la boma.
2. m'dziko limene nyumba ili, ayenera wachinsinsi monga "malo kumanga munthu." Apo ayi, kupeza thandizo ndi boma kugula kunyumba adzakhululukidwa adakana.
3. Likuvutika thandizo boma sangathe kupeza malo kumanga tsogolo la nyumba zogona. Popeza gawo akusowekapo si oyenera moyo, ndiye wosasamala kukagula monga sikutheka kutukula miyoyo
4. Kuti kugula nyumba nyumba pansi likulu umayi kotheka, payenera kukhala mgwirizano wa zogulitsa ndi mwini panopa.
5. Anagula nyumba ayenera kugawidwa mu magawo mwa anthu onse m'banjamo. Pofuna kuti akalandire ofunitsitsa magawano katundu ayenera notarize ntchito imeneyi ndi kupereka ndi zikalata zina za thumba penshioni m'deralo.

Kodi kupita amapondereza likulu kholo?

Redirection ndalama za thandizo boma kudutsa kulekana kwa thumba penshioni. Payenera kufunsa, kutenga naye mndandanda wa mapepala omwe alembedwa pansipa. Chonde dziwani kuti, malingana ndi zimenezi, mndandanda zikhoza kusintha. Tsatanetsatane ayenera mwachindunji mwachindunji mu chizindikiro cha RPF m'deralo.

Documents kwa kupeza nyumba ntchito umayi likulu

Ku thumba la ndalama za penshoni kuphimba mbali ya mtengo nyumba, muyenera kupereka chiwerengero ofunikira magawo. M'banjamo ndi kusonkhanitsa zikalata izi kugula nyumba pansi likulu kholo:

1. Ntchito mu mawonekedwe chifukwa (fomu, mukhoza patsogolo ndi kutsitsa mawonekedwe pa webusaiti yovomerezeka ya bungwe kapena dipatimenti ya FIU).
2. Umunthu chikalata nthumwi banja, amene amagonjera ntchito ndi Baibulo la chikalata ichi.
3. SNILS.
4. Certificate thandizo boma.
5. zosonyeza kubadwa kwa ana onse ndipo Mabaibulo awo.
6. A buku la pangano kugula katundu zogona.
7. Baibulo la chikalata chotsimikizira umwini wa anagula malo zogona weniweni.
8. Thandizeni zambiri za kuchuluka kwa zimene uyenera kulipidwa monga mwa pangano la zogulitsa.
9. A chikalata notarized zikalata kuti kulembetsa kwa malo zakonzedwa mu ambiri gawo katundu.

Ndi ya zikalata ayenera kukaona ofesi ya thumba penshioni pa nyumba yogona. Mawu akuti poganizira ntchito si upambana masiku 30.

Kugula nyumba ngongole ndi thandizo thandizo boma

Mu nkhani ngati simungathe yekha kugwiritsa ndalama zawo kugula nyumba ndi nyumba, mungathe kugwiritsa ntchito a mabanki mabungwe kapena ngongole, kuti apereke ngongole. Pa nthawi yomweyo, n'kofunika kuti pa nthawi yomweyo kuti banki ndalama ngongole ndi boma thandizo la satifiketi sangakhale. Pa nthawi, kalata banja pamene ntchito kwa ngongole angagwiritsidwe ntchito ngati malipiro pa ngongole kapena ngati kuchuluka kwa alipire ya ngongole alipo.

Pamene inu mungagwiritse ntchito satifiketi kugula nyumba?

Musaphwanye kudikira mpaka mwana wa zaka zitatu - chifukwa Zikatero alipo ntchito oyambirira ndalama allocated ndi boma. Gwiritsani likulu umayi ngati malipiro koyamba pa ngongole pa nyumba ndi theoretically zotheka, koma kuchita ndi kovuta kuchita. Vuto lalikulu kwagona wamng'ono kwambiri ngongole ndi banki mabungwe amene amafunitsitsa monga malipiro oyamba pa ndalama satifiketi. Ngakhale amatha kupeza bungwe chuma ndi kupeza ngongole kugula nyumba pansi likulu mayi, n'kutheka kuti chidwi pang'ono apamwamba pa ngongole kuposa inu kupanga malipiro koyamba chuma mwini. A njira zambiri ndi bwino kugwiritsa ntchito ndalama zawo kulipira malipiro pansi ndi malangizo a mayi likulu kuchepetsa kuchuluka ngongole pa processing ngongole.

Loan pansi likulu umayi kugula nyumba: kalaliki kalozera

Pankhaniyi, dera amayang'ana mochepetsa:

• muyenera kulankhula ndi banki kapena ngongole bungwe kuti apereke ngongole apo, pogwiritsa ntchito ndalama zake kulipira chigawo choyamba;
• kugula zogona malo, analandira chikalata zikalata umwini pa chuma zogona;
• funsani ofesi RF Fund penshioni m'deralo ndi cholinga kulemba fomu yoti yoloŵetsa ndalama kubweza mbali ya ngongole, kupyolera mu zomwe kugula anapangidwa kunyumba ndi likulu mayi;
• polandira zochita zabwino pambuyo review pempho ndi kupeza zofunika, lankhulani banki kulongosola ntchito zina.

akumaliza siteji

Pamene akugwira thumba penshioni atalemba mawu ayenera kumwedwa ndi onse a zikalata yemweyo amene anali kutchulidwa "Documents kwa ogulidwa nyumba ndi nkhani ya boma. thandizo "ndi mgwirizano ndi banki. Muyeneranso kupeza bungwe ngongole mawu osonyeza pamaso pa ngongole ndi kukula kwake. Pambuyo kugonjera zolembedwa zonse mu ofesi ya thumba penshioni la Chitaganya cha Russia, m'pofunika kudikira zosankha zake, monga mmene zinalili poyamba, kuganizira za nthawi osati choposa masiku 30.

Kugula nyumba ya likulu makolo kutenga nthawi, koma ntchito mawonekedwe thandizo boma, n'zotheka kubweza mbali ya ngongole pa ngongole nyumba.