Ziri pafupi kudziwa mabanja omwe ali ndi ana awiri kapena kupitilira apo omwe akufuna kugwiritsa ntchito likulu la amayi kuti athandize malo okhala, katswiri wa ntchito ya Estate akufotokoza.
Kuphatikiza pa Fail ya Federal All Media (MSC), mabanja omwe ali ndi ana m'madera a Russia akutsatira zolipira pamlingo wam'deralo. Mmodzi wa iwo ndi dera la Msk lolamulidwa ndi malamulo achigawo. Kukula kwa feduro mcs ndi 453 026 ma rubles. Thumba la penshoni wa Russia (fiu) ali ndi mafunso opanga mapangidwe ake ndikupereka satifiketi. Dera la MSK - kuyambira ma ruble 500,000 mpaka 150,000. Kutengera dera.
Muyenera kulumikizana ndi izi pakuwongolera / dipatimenti yoteteza anthu (SZN) kapena mu MFC pamalo omwe amakhala.
Ndalama za feduro mcs zimatha kutayidwa kwathunthu kapena magawo. Magawo osiyanasiyana a MSC angagwiritsidwe ntchito pazofunikira zokhudzana ndi mabanja malinga ndi malamulo a federal ndi Dera. Nthawi zambiri, matkapatilogy amapita kuti azitha kusintha nyumba kapena banja.
Kuyambira pa Januware 1, 2007, pulogalamu ya boma yowonjezera yowonjezera kwa mabanja omwe anali ndi ana omwe adalowa ku Russia. Mu FZ №256 December 29, likulu "la amayi (banja) la mabanja, omwe adatulutsidwa (chobadwa) chachiwiri, chotsatira kapena atengedwe). Nthawi yomweyo, nzika za makolo sizimasewera maudindo.
Kugula kwa nyumba pogwiritsa ntchito mathaopal
Ganizirani njira iyi: Banja ndi ana ali ndi ndalama zaulere zokwanira (limodzi ndi msk) kuti mugule nyumba.
- Muyenera kudziwitsa wogulitsa pogwiritsa ntchito matkapali pogula. Sikuti aliyense amavomereza kupeza gawo la ndalama za nyumba yogulitsira 30-50 masiku atalembetsa kusamukira kwa wogula. Ngati mgwirizano pakati pa wogulitsa ndi wogula kuti akope pamsonkhanowu mukamapezeka (okhazikika mu mgwirizano wapamtunda), ndikofunikira kukonza mosamala kugula kwakukulu ndikugulitsa mgwirizano (DCP).
- Nyumbayo iyenera kukonzedwa mu umwini wa mabanja onse, kuphatikiza ana.
- Mu DCC, mawu oti kugwiritsa ntchito matkapali pogula ndi tsatanetsatane wa zowonjezera zonse za MSC ndi ndalama zomwe zimaperekedwa malinga ndi zikalata zochokera ku fiu ndi szn.
- Matkapali amatanthauza kuti ndalama. Chifukwa chake, ndikofunikira kuyang'ana mosamala kwambiri kuti tsatanetsatane wa akaunti yakubanki ya wogulitsayo imawonetsedwa molondola. Idzalembedwa ndi ndalama za MSK.
- Nthawi zonse zolembedwa pa DKP mutalembetsa umwini wa wogula, tsiku linanso loti atumize ogula ndi dipatimenti ya chitetezo cha chikhalidwe, kuti atumize ndalama. Mutha kumangiriza chochitikachi ndi tsiku losandutsa ntchito yosinthira ndikumasulidwa kwa nyumbayo.
- Nthawi yoganizira za kugwiritsa ntchito satifiketi mu fiu ndi masiku 21 ogwirira ntchito kuyambira tsiku lolemba zolemba zathunthu. Masiku ena 10 ogwirira ntchito adzafunika kusamutsa ndalama ku banki ya wogulitsa ngati lingaliro labwino limatengedwa.
- Pakadali pano, kuwerengera kumodzi pakati pa zipani zosapangidwa kwathunthu, nyumbayo imapezeka palodoni kwa wogulitsa - izi zikulembanso mu DCP. Mukalandira ndalama za MSK pa akaunti yakubanki yaogulitsa, ayenera kujambula mawu ndi wogula pazakuchotsera ndalamazo, lembani kulandira ndalama zonse zomwe zidagulitsidwa. Nthawi ya izi imaperekedwanso mu DCC.
Vutoli lingakhale ndi lingaliro losavuta ngati njira yobwerera ku Matapalo ku bajeti idaperekedwa - zosinthidwa kuti zisasinthidwe ku Ruble ndikupeza chidwi nthawi yonse yogwiritsa ntchito. Ndipo ndi kuthekera kopanga ufulu wawo ku MSS popanda kulowetsedwa ndikufotokozera muofesi ya wozenga milandu. Ambiri ali okonzeka kubweza zida za MSK kuti athe kugwiritsa ntchito nyumbayo kuti athandize banja.
Lendi
Malinga ndi malamulo ambiri, mutha kufunafuna Msk zaka zitatu kuyambira kubadwa kapena kubereka kwachiwiri (kwachiwiri). Koma pali zosiyana. Chimodzi mwa izo ndi ngongole yogwiritsa ntchito likulu la amayi pomwe MSK itha kugwiritsidwa ntchito nthawi yomweyo pomwe kumanja.
Mabanki ambiri amakulolani kukopa Msk pazomwe zopereka zoyambirira komanso kutsuka ngongole yayikulu ndi / kapena peresenti pa kugula ngongole yanyumba. M'magawo onse awiriwa, makolo (ndi ena a combel, ngati alipo) alembe dongosolo lonyansa pakupatsa mphamvu umwini mu nyumba yomwe ikugula pambuyo pa gulu lanyumba. Mtengo wa gawo la mwana sangakhale wochepera kuposa gawo la MSK (Federal +) pa capita.
Sberbank imalola kuti obwereketsa aphatikizire kwa ana omwe ali pakati pa eni nyumba yanyumba. Sizofunikira ngakhale kuti muvomereze kuti nyumbayo yomwe nyumbayo zikuluzikika zimagawidwa ndi banki.
Ngati matimapilo, malinga ndi mikhalidwe ya banki, itha kugwiritsidwa ntchito ngati chopereka choyambirira (kapena gawo la ilo), patsiku lomaliza kugula ndi kugulitsa nyumba ya banki / mu Cyanctane ya Wogulitsa amabwera / kugona kuchokera ku banki mtengo wathunthu wa nyumbayo, kuphatikizapo msk.
Wogulitsayo safunikira kudikirira lingaliro la fiu / szn ndikusamutsa MSK ku bajeti. Mndandanda wotere udzachitidwa mokomera banki akapereka zolemba zonse zanyumba ndi DCP ndi wogula mu fiu / szn.
Ngati ngongole yayikulu kapena gawo lanyumba kapena gawo la ngongole yanyumba, kenako bankiyo imangodziwitsidwa ndi ntchito ya wobwereketsa yomwe imawonetsa kuchuluka kwa zikalata zomwe zaperekedwa pazofunikira.
Nthawi yoganizira za kugwiritsa ntchito satifiketi mu fiu ndi masiku 21 ogwirira ntchito kuyambira tsiku lolemba zolemba zathunthu. Masiku ena 10 ogwirira ntchito adzafunika kusamutsa ndalama ku banki ya wogulitsa ngati lingaliro labwino limatengedwa.
Gawani gawo munyumba ya ana - onetsetsani
Nthawi zambiri makolo, kugwiritsa ntchito matkapile munyumba yanyumba, musapweteke kapena safuna kukwaniritsa udindo wawo kuti asiye ana. Nthawi zina patatha zaka zingapo ndikungoyiwala za izi. Zovuta zake zikuwonekeratu. Ngongole yopereka zopereka za ana ndi zovomerezeka. Pamodzi ndi ntchito ya boma panthawi yodzilamulira yolembetsa - osachepera 2000,000. Kugulitsanso nyumba zotere ndi chilolezo chovomerezeka cha mabungwe oteteza. Ngati mukufuna kusintha malo okhala ndi ngongole yanyumba - vuto. Chitsanzo: Sizingatheke kuti tipewe kugulitsa nyumba ziwiri zogona ziwiri, pomwe 1/5 ya gawoli linali ana awiri. Makolowo anali ndi ngongole yovomerezeka ya Sberbank yovomerezeka pamwala umodzi wa chipinda chachikulu chachitatu. Bank idaloza mu mgwirizano wobwereketsa kuti ana adzakhala eni ake kuwonjezera pa zovuta za kholo. Ntchito ya DCP imaperekedwa ndi gawo la ana, osachepera malo ndi mtengo wa magawo awo pa nyumba yogulitsira. Kugulitsana kumapangitsa mitundu itatu ya inshuwaransi, kuphatikizapo inshuwaransi ya mutu. Palibe chomwe chidathandiza. Ndinafunika kutenga ngongole yogula pa nthawi yocheperako komanso ndi Dranesia.
Mtengo wa gawo la mwana sayenera kukhala wocheperako poyerekeza gawo la USIPIPAl (Federal +) pa capita.
Osagawa ana a ana a ana akamagwiritsa ntchito msc. Gulani nyumba yomwe sinachitidwe, owopsa. Atafika zaka 18, mwana wosankhidwa wina kapena wakale kapena kalelo wothandizira wake akhoza kupereka milandu, ndipo kugulitsa m'nyumba popanda anzawo kudzathetsa khothi. Ngati nyumbayo yakonzekera kugula ngongole zanyumba ndi eni kuti akhale ndi ana azaka zoyenera, funsani kuti apereke satifiketi kuchokera ku finidue wotsalira wa MSK.
Vesi: L. Starhhinova, katswiri wa malo ogulitsa nyumba.
Nkhaniyi idasindikizidwa mu magazini ya magazini "(2019). Mutha kulembetsa ku mtundu wa bukuli.
