Housing mo kaimahi hōia: mōkete Military. He aha te mea te mokete hōia? Mortgage mō hōia i runga i te whare hou

Ka rite ki matau koutou, te raruraru whare - tetahi o te tino faufaa, i roto i Russia kore anake, engari ano i roto i ētahi atu whenua. kaimahi Military i roto i tenei whakaaro he e kore te tikanga he okotahi. He maha ngā whānau o hoia me rangatira i ki patoto e pā ana ki hoki tekau tau i te fare tukua ki kahore tumanako o ratou ake kāinga.

Hei whakatika i tēnei āhuatanga, kua whakawhanakehia te kāwanatanga Russian he hōtaka motuhake. ka karanga ia "Military Mortgage" te. He aha te kua tae mai nga tohunga hou ake ki? A me pehea e tauturu i te hōtaka hou te hōia i roto i te whiwhi ratou iho mau fare? Pānuitia e pā ana ki reira i raro.

He aha te mea te reira?

Ture ki te whakahaere i te ora o te hōia, i whāngai ai i roto i te tau 2004. Ka rite ki whakaritea e te Kawanatanga o te Russian Federation tikanga tenei tuhinga e ki te whakarato whare whakamarie hōia i runga i ngā maitai. whakatairanga ana tēnei hōtaka penapena, me te pūnaha mokete (NIS).

Na, ko te mokete hōia - he aha me pehea ki te tiki? Kia tūhura i te. Ko te ngako o te hōtaka takoto i roto i te meka e taea tetahi hoia tuhituhi te pūrongo e hāngai ana, me te tīmata ki te whakaora hoki ratou ake fare. 3 tau i muri i te take o taua tauākī taea taau mo mokete i runga i pūtake maitai. He āhuatanga o tenei nama ko e kore e utua te nama i ake moni o te hōia, me te whakahaere. I roto i ngā, i te Tāhuhu o Defence. He te te kōwae katoa, e no ni'ai te take pērā i mokete mo te hōia. Ko reira mo o te motuhake pūkete penapena kaikirimana ki te whakawhiti moni.

Hei hoatu i te hōia he mokete?

Ki te mea ko koe te kaikirimana o te ope Russian, a kahore koutou e whai ratou iho mau fare, e te tauturu ia koe i te mōkete hōia.
He aha te mea he "semeio" he tika hoki koe, e taea te kitea i runga i te tawhā e whai ake nei:

• Ko koe tetahi o nga rangatira, me to koutou kirimana kahore mua atu 01.01.2005 i hainatia g.;
• Ko to koutou ora iti iho i te 3 tau, engari riro koe i te rangatira i muri i 01.01.08 g.;
• puta Midshipman, me kara, me to koutou kirimana te i muri i January 2005, a ka kua mahi koe neke atu i te 3 tau;
• hoia, kaipuke, katipa haihana (taua tikanga) ranei;
• he paetahi o te wänanga hōia (te tahi atu whakatū mātauranga), riro he tītohu i muri i 01.01.05 ka hainatia;
• He hoia, ka karanga ake i nga rahui koe.

No te tahi atu āhuatanga, tae atu i te aroaro ngaro ranei o te hoa faaipoipo, tamariki, he tukua e te noho ranei, e kore e pā te taea o te rēhitatanga o te mokete hōia. Ko te huru anake ko e te kaitono mo te whare hoki kaimahi hōia me waiho hei mema o te NIS (penapena, me te pūnaha mokete) mo te iti rawa 3 tau.

Tikanga i roto i te 2016

Tīmata i 2016 te raruraru whare mo te hōia haere mai te tahi mau huringa. Kua whakaritea e te Russian Defense Tāhuhu ki te whakarere i te mahi o te tuku whare "i roto i te ahua", e ko he tika whare fare ranei. Whakamahi o moni whare, i vai na ake ki tenei wāhi, anake te hunga ka taea ki CSKA, e haina te kirimana tae noa ki 2005. Hoki ratou, hanga whare hangaia katoa Minoobrony tenei wa.

Ka taea e ētahi atu kaimahi hōia katoa whiwhi i te fare whare ranei i roto i te mokete hōia. I roto i tenei take, faaoti te kāwanatanga ki te arataki i nga ngā o tuku. Te tikanga o tēnei e ka waiho i te tikanga rēhita i tetahi pareparenga whai wāhi i roto i te pūnaha tata ōrite. Hoki 2016. Ko enei:

1. Mortgage mō te hōia tukuna hoki te mōrahi o te 25 tau. I roto i tenei take, i te mutunga o tenei wā, me waiho te nama kore ake atu i te 45. Na, ki te i te wa o te rēhita e koe i runga i 40, e kore e mahara ki te totoro te taurewa mo neke atu i te 5 tau.
2. Ko te utu tuatahi - i te iti rawa 10% o nga whare riro e CSKA.
3. Auau i runga i te taurewa - 12.5% (toharite).
4. Ko te nui taea mōrahi o te whare mō ngā kaimahi hōia - 2.4 miriona moni Russian.
5. i mau ano e reira te kaha ki te utu i te nama i te pane matua, me te whiwhi atu nama kiritaki i runga i ngā pai.
6. I whakaaetia te taurewa, me whai i te mahi tonu o kahore iti iho i te 12 marama, 4 o nei e i te wahi kotahi te hoia.

"Ko e Commissar" taahiraa i te taahiraa

Ki te whakatau koe ki te tango i tetahi wahi i roto i te hōtaka "Military Mortgage", ka whai te taurewa ki te utu ake i roto i ngā wāhanga. Na reira, kia whakaaro maite tatou i te "porowhita o nama reinga" katoa o te hoia Russian.

1. Making tiwhikete NIS. Ki te mahi i tenei, e hiahia ana koe ki te kōnae i te pūrongo e tika ana, e te ruruku hoki 2-3 marama. I muri ka tenei ope e tukuna he tuhinga e te mea tika hoki 6 marama.
2. kōwhiringa Housing. Kahore he fakangatangata, fare whare ranei, ka taea e koe te tīpako i tetahi rohe o te whenua. Otiia, ki te koutou te whakatau ki tango te awhina o te Realtor, tona ratonga e pai kia ki hoatu i roto o pūkoro.
3. Whakatau i o wāhi tuku moni (pēke) me te hainatanga o te kirimana. E ai ki te hōtaka taua kua neke atu i te 20 pūtahi pēke puta noa te whenua, kia kia ako koe i mua tikanga-.
4. Te hanga i te kirimana ki te Manatū o Defence. Ka tirohia tona tokotoko nga tuhinga katoa, me te hoatu i to ratou hainatanga i roto i nga ra kotahi tekau. I muri i taua, ka kia whakawhitia te moni ki te pūkete pēke.
5. Ko te hainatanga o te tuhinga i runga i te hoko rawa.
6. Rēhitatanga o ngā tuhinga. Tikanga, e te reira e pā ana ki 7 ra.
7. i muri i tenei katoa anake, kua whakawhiti te reira i te moni ūnga ki te utunga o te mokete.

Rerekētanga mōkete ope, me te "tangata"

Hei whakamārama i te rerekētanga i waenganui i te mokete ope i runga i te whare hou, ranei pūtea "tawhito" i tikanga loans whare, kia hanga a te tepu iti.

Ko koe i roto i te feaa e pā ana ki mēnā e hiahia ana koe i te mōkete hōia? He aha te a ki te whakapaipai i, matou kua kōrero kē. Na kia aparau i a te huapai me ngā huakore o tenei momo o te tuku.

goodies

Ina whakaritea ki te auau huamoni nama whare "tivira" Ko nui raro.

• Funds mo te utu ki raro ko kua i reira.
• Ka taea te tīpakohia Accommodation i roto i tetahi rohe, a kahore noa te wahi e tū ratonga.
• Whai wāhi i roto i te NIS taea e, ahakoa o te wātea o whare i roto i te taonga.
• Ka taea e koe te hoko i rua whare hou, me te rängai tuarua.

raruraru

Otiia, he hōtaka taua, i reira e ano huakore. Heoi, e kore e taua nui ratou.

• tukanga roa o te hoko. Hoki rēhita kia tango neke atu i te 2 marama.
• Hoki oti i mahi (ki te whare i hokona i roto i te whare hou), ka whai ki te tango i atu nama kiritaki.
• hanga whare ko te taonga tika CSKA, e kore tona hapu.
• E tika tikanga o te hōtaka anake i roto i te take o te tonu o te mahi. A, no te whakakoretanga i te nama me utu i te taurewa i ona ake rauemi. Kei te mahue te okotahi anake te rāhui mō ngā take hauora.