I-Peak okanye i-LNA-yile nto ngumbuzo ...

Iimpawu zeZindlu kunye neMalinger eqokelelweyo kunye neMalingesi yabaThengi: Ukufana nolwahluko, izinto ezilungileyo kunye neMigaqo-nkqubo yeMisebenzi

Ukuthenga indlu, njengoko uyazi, ufuna inani elikhulu, kodwa alisoloko lihleli. Unokuthenga olo thenga usebenzisa iinkqubo ezizodwa. Imali mboleko kwaye yabelana ngenxaxheba ekwakhiweyo. Izindlu kunye nentsebenziswano eqokelayo ayizange ithandwa kakhulu, kwaye uxolo ...

Umthombo womfanekiso / iRussian jonga ngokuhambelana nebhanki yokuboleka kwizindlu, imali yebhanki iphuhlisa, isekwe kwimisebenzi yoviwo lokwakhiwa (i-SSC) -Iimeko zikarhulumente zenziwe ngoncedo lwezezimali ukuthenga izilwanyana. Eyona nto ibalulekileyo, i-SSC iyafana nokuqhelana nesizukulwana sabafundi berejista yemali yoncedo olubini. Ngamafutshane, le nkqubo yomsebenzi wabo yile: umtyali-mali, ukungena kwi-SSC, ukuqukumbela isivumelwano esingxamisekileyo kunye nale mbutho ukuze usebenzise inani elithile lemali mboleko efunekayo ekufumaneni okanye ukwakhiwa kwezindlu. Le mali yenziwa yimirhumo yediphozithi ebolekwe kwezinye iidipozithi, inzala kwinkxaso-mali yolondolozo, inkxaso-mali yelizwe kunye nenkxaso-mali. Kwinqanaba lokuqala, umtyali-mali eqokelela inani lolondolozo asekwe kwimvumelwano, enyusa rhoqo ngonyaka inani lemidla kwigalelo. Kwinqanaba lesibini, i-Devietor ifumana imeko yomthengi onokubakho, omnika ilungelo lokuthatha imali kwimali mboleko yokuthengwa kwezindlu. Yiyo loo nto, ibolekwe imali emva kokuthenga izindlu ukuze omnye wabalwabelo abuyiselwe kwi-Cashier ngohlobo lweminikelo yonyaka kwaye angaya kubolekisa iidiphozithi ezintsha. Kwangelo xesha, kuya kuthiwa, ngokomthetho, thatha inxaxheba kwinkqubo ekhulayo enjalo, oko kukuthi, kukho isiqinisekiso sokuba intsebenziswano ayiyi kujika ibe yi-piramid "iphiramidi". Ewe: Intsebenziswano iya kubakho de bonke amalungu akhe bajikeleze indlu.

Eyona nto iphambili yokuthatha inxaxheba kwiZindlu kunye neNtlawulo yeNtloko xa kuthelekiswa nokusebenza ngokuqhelekileyo kwemali kunye nokusebenza: Kwi-LNA ithatha yonke into, ngaphandle, imali mboleko inomdla. Isaladi kufuneka ihlawulwe rhoqo ngonyaka i-3-5% yeengxowa-mali ezibolekwe, eneneni eziyimirhumo yobulungu kwaye iya kumxholo wentsebenzo

Zimbini iintlobo zeebhanki zolondolozo: IZindlu kunye neNtlokoba eziKhohlakeleyo (i-LNA) kunye neMalinger yabaThengi beNtloko (Peak). Le mibutho ingabasebenzi abaphucukileyo bendawo yokuhlala yangaphambi kogonyamelo. Ngoku kweli lizwe, ngokwenkonzo yeRhafu yeRhafu, kukho malunga namawaka ama-4 amawaka ezindlu. Kunzima ukufumana amanqaku abo, kodwa siza kuzama.

Ukufana kunye nolwahluko

Ifoto.ru le nkqubo yokusebenza kwe-LNA okanye i-Peak (ibizwa ngokuba yintsebenziswano yezindlu) iphantse iyafana.

Kwimeko yayo yezomthetho, intsebenziswano yezindlu yimibutho engenzi nzuzo, ethetha ukuba amalungelo okuthenga ngokuzimeleyo, ukuthengisa, abanayo imali yokutyala imali. Umsebenzi wabo kukutyala imali yabathathi-nxaxheba babo ngokwakhiwe izakhiwo zokuhlala. Usihlalo kunye neBhodi zilawulwa nguGilkopelove, kwaye ezona zigqibo zibalulekileyo zamkelwe kwintlanganiso jikelele yabanini zabelo.

Nguwuphi umahluko phakathi kwe-lna kunye nencopho? Indlu kunye nentsebenziswano kunye nentsebenziswano eqokeleleneyo idibanisa ukubolekwa kwemali, imali yokutyalomali kunye nendawo yokuhlala kunye nolwakhiwo. Ukuziqhelanisa, oku kuthetha ukuba abantu abakwisixa-mali se-50-5,000 (inani elinikiweyo sinikezelwa yi-Federal Actory ye-Dese Dose 30, 2004. №215-FZ Kuthethwa ngokusemthethweni, ukwanelisa isidingo sendawo yokuhlala ngokudibanisa iminikelo. Ukuze ube ngumnini wezindlu i-pik lng kuphela emva kokucima ngokupheleleyo i-PAI.

Iskimu sendawo yokuhlala kunye nentsebenziswano eqokelayo

1. Ukuqululwa kweqela eliqinisekisiweyo ngokwesiseko sesivumelwano seNgxowa-mali Jikelele, iimali ezisetyenziselwa ukwakhiwa kwezindlu

2. Isimemo sokuthatha inxaxheba kweediphozithi. Imfuneko kuphela eyimfuneko yokufaka igalelo kukuhlawula igalelo lokuqala, kunye neentlawulo zenyanga zokuhlawula imali mboleko

3. Ukuqokelelwa kwe-30-50% yeendleko zendlu kwiakhawunti yakho

4. Ukuthengwa kwendlu

5. Intlawulo yentsalela yemali mboleko kwi-cashier ye-Cashier yeZiko loLondolozo

Umthetho okhethekileyo malunga nomatshini wokuthintela umthengi awuzange udalwe, kwaye ke imisebenzi yabo ilawulwa yikhowudi ye-Russian Federation. Imisebenzi encopho (kunye ne-LNG) ayilayisenisi, kodwa, njengayo nayiphi na iqumrhu elisemthethweni, ixhomekeke kubhaliso lukarhulumente. Owona msebenzi ophambili wencopho uyafana nenjongo ye-LNG, nangona kunjalo, ilungu lencopho ifumana izindlu ngobunini benkqubo yokubambisa, kodwa yafumana kwangoko intlawulo yesabelo ifakwe kwintsebenziswano.

Umahluko ulele kwinto yokuba imisebenzi ye-LNG ilawula ulawulo olungqongqo lukaRhulumente, kwaye i-isuti kuphela. Imigangatho yezemali yokuzinza kwezemali inokuthi kufunyaniswe ukuzinza kwezemali kumisela inkonzo yeeMarike yezeMali. Ubenayo, jonga ukubanakho ukubambisana ukuze ufezekise iimbophelelo zayo kwixesha elifutshane nelide, ibhalansi yemali yokuhlawula, ukuthobela imilinganiselo yamatyala okulibaziseka kwamatyala kunye nezinye iiparamitha. Umsebenzi wencopho ulawulwa yimibutho yaseburhulumenteni ngokubanzi, oko kukuthi, ukuqinisekiswa uzinzo kwezemali akwenziwanga.

Indlu yaseRussia kunye nenkqubo yokuqokelelwa iphuhlisa ngokupheleleyo imithetho-siseko yeMigaqo ye-European kunye neHlabathi: Ukusukela ngo-2004 kwaye ihlanganisa amazwe a-lng 19

Ukuthatha inxaxheba kwi-Peak kusengozini ngakumbi kunakwi-LN. Inkcazo ilula: Ukuphela kwesiqinisekiso sokugcinwa kotyalo-mali kunye nokuthengwa kwezindlu nge-protom yezabelo zezabelo. Ngokutsho kwakhe, indlela yokubambisana yentsebenzo yenziwa kuphela ngenkcitho yabanini zabelo. Oku kuthetha ukuba ukukhula kweNgxowa-mali, ufuna ukupheliswa kweediphozithi ezintsha. Ukongeza, i-LNG kwizibophelelo zayo ihlangana nepropathi yayo, kodwa ipiks ayinaxanduva olunjalo. Kumtyalomali, oku kungangqinelana nento yokuba ngexesha lokubhalwa kwemali yokubambisane kwe-pai yayo kuyanyamalala ngaphandle kwembuyekezo.

Imodeli yomsebenzi we-zilkoopeationation

Masikhumbule imodeli yobambiso yokuthengwa kwendlu. Ufumana imvume yebhanki yokukhutshwa kwemali mboleko, jonga igumbi, lesa i-30-50% yeendleko zezindlu, kunye nokuhlawula yonke intlawulo ngeminyaka emi-10-25. Kwangelo xesha, igumbi lihlala livalelwe yibhanki, ngaphandle kwento yokuba sele kwipropathi yakho. Ukwenzela ukukhululwa okanye ukulungisa, kufuneka ucele imvume kwiBhanki, kwaye ngaphambi kokuba uqokelele umntu kumalungu osapho kwindawo yakho yokuhlala, kuya kufuneka ubeke ibhanki.

Imbali ye-lng kunye nencopho

Umthombo womfanekiso / i-Russian Bane ... Indawo yokuqala kunye noluntu lokuqala lwabonakala kwi-China lakudala, naseYurophu, iNgxowa-mali yemali, equka igalelo kwabo bafuna ukufumana izindlu, kwaqala ukusebenza kweBirmingham (United Kingdom) ngo-1775. Onke amazwe amatsha afakiwe ngokuthe ngcembe. B1885G. Indawo yokuhlala nolwakhiwo yavulwa eJamani. Kodwa olona lwabiwo luphezulu lweentsebenzo zezindlu ezifunyenwe emva kwemfazwe yehlabathi yesibini, echaziweyo: Kuyimfuneko ukwakha izindlu zamashumi amawaka abantu abaseleyo. Inkqubo ye-non-bhanki ibolekisa indlu kumazwe anjenge-Austria naseJamani, kunye nePoland, iCroatia kunye neRiphabliki yeCzech, iphuhlisa kakhulu.

Ukuseka iikhowudi Ukudibana kolondolozo ngokuthe ngcembe ngokuthe ngcembe kwiibhanki zemali, naseFrance, imali yokwakha yayihlala iqokelelwa kwiibhanki, kwiiakhawunti ezizolondolozo zendlu.

... kunye nathi. I-progenators yentsebenziswano yolondolozo yale mihla iphakama kwi-60s kwi-60s. I-Xix., Xa kugxilwa kwimali mboleko yoMboleko-mboleko-mali yokuhlala, uluntu lwemali mboleko, luhlaselwano lweinshurensi, ubudlelwane be-peasous benziwa ukuthenga umhlaba ngoncedo lwebhanki yokudlala. Emva kwexesha, indawo yorhwebo yabathengi kunye nentsebenziswano yabathengi yokuthengwa kunye nokuthenga kunye nee-odolo zokurhweba. Kodwa olo phuhliso lukhawulezileyo, njengakwaYurophu naseMelika, iinkampani zokwakha azizange zifumane. Mhlawumbi eso sizathu sokuba lonto yayikukude kobukho beSerfudom, kwaye kusenokwenzeka ukuba kubekho iindlela zokuhamba ngoqoqosho ... i-gestoriki akukho mpendulo ichanekileyo.

Emva komhla wokuhlaziywa kuka-Okthobha, inkqubo yentsebenziswano yabathengi iye yaba luzwelonke, ukwakhiwa kwangakhuthazi. Iinguqu ezinkulu zenzekile ekupheleni kweMfazwe yeLizwe enkulu, xa kuvela imisebenzi yabathengi ekhethekileyo: Indawo yokuhlala nolwakhiwo, ukwakhiwa kwemveliso, ukwakhiwa kwemali. Yenza izinto zezakhiwo zezakhiwo zezakhiwo zezakhiwo zepropathi yoomanyano olukhethekileyo, amalungu awo angelungelo lokusebenzisa. Ngexesha lokumila, urhulumente wanciphisa uncedo lwentsebenziswano yokwakha, oku kukhokelele kwinto yokuba imibutho enjalo ayisadalwanga, kwaye emva kwe-90s. I-XX ngaphakathi. Ngokubanzi yaqala ukusebenzisa iintlobo ezahlukeneyo zesikram.

Ukuza kuthi ga ngoku, ukuthatha inxaxheba kwintsebenziswano yokwakha ayithandwa njengokukhulisa ibhanki. Ngaphandle koku, ubudlelwane bemibutho ye-Forkk yaseRussia badalwa elizweni, kwaye iintlobo ngeentlobo zamalungelo okwakha ziyaqhubeka nokuphuhlisa.

Iinkqubo zoKhuseleko kunye neeNkqubo zoKwakha zivaliwe, i-canlux yamalungu amatsha ayimfuneko. Igalelo elifanayo kwinqanaba eliqokelelweyo lokuthatha inxaxheba kwakhe kule nkqubo ngumbolekisi, kwaye kwinqanaba elilandelayo, letyala, sele imali mboleko. Kwangelo xesha, izixhobo zemali azitsali kwimakethi yemali yangaphandle, enciphisa kakhulu iindleko zemali mboleko. Iimeko ezifanayo zokubonelela ngemali mboleko kwiinkqubo eziqokelelekayo ukuya kwinqanaba elincinci lixhomekeke kwimeko yentengiso.

Kukho enye inzuzo: Kukho ukwehla kwexesha lokulinda ukuthenga izindlu nomhlaba kwaye kuncitshiswe ubungakanani beminikelo. Ukuncitshiswa konyaka kwiNgxowa-mali yoLondolozo lweZindlu zoMsebenzi, eyenza ubuncinci i-1.5% yobungakanani bemali mboleko, kuphuhliso oluqhelekileyo lwemeko yemeko ibalwa ngeendleko zokuthenga izindlu ezithengiweyo.

Xa ungena kwi-hilloopelocation, ubhale ingxelo onokuthi ucacisa iimfuno zakho zendlu: Inani lamagumbi, i-methor jikelele, indawo yalo.D. Ixabiso elichanekileyo lentengiso elichanekileyo limisela indleko ezichanekileyo zezindlu. Iyahambelana nommi ongenise ingxelo yokwamkelwa kumalungu entsebenziswano, kwaye abonisa isigqibo sikasihlalo sokudibana kommi kumalungu e-LNA. Emva kokufunyanwa okanye ukwakhiwa kwentsebenzo yelungu lezakhiwo zokuhlala, ubungakanani benkonzo yesabelo kucacisiwe kwisiseko sexabiso lezinto ezifunyenweyo okanye zakhiwe ngokusebenzisa impahla yoSihlalo Intsebenziswano, iququzelelene nelungu le-LN.

Sibala: sithatha inxaxheba kusoliseko, sithenga indlu exabisekileyo kwizigidi ezingama-5. Vumela ubungakanani bemali mboleko bulingana nesiqingatha seendleko zendlu, oko kukuthi, izigidi ezili-2,5 zezigidi. Isixa semirhumo yobulungu ekufuneka siqwalasele ngokungqinelana nezalathiri eziphakathi zentsebenziswano ezisebenzayo ezisebenza ngokuhambelana ne-5% yobungakanani bemali mboleko (i-125 yamawaka i-rubles). Dibanisa malunga namawaka angama-75 ruble. (1.5-3% yobungakanani bemali mboleko) ngonyaka kufuneka idluliselwe kwiNgxowa-mali yogcino. Ukongeza, isixa seentlawulo eziya kwandiswa ngexabiso lerhafu kwingeniso yomntu ngamnye (kuba umthetho werhafu umboleko engenanto) -Ukusebenza kokusetyenziswa kwemali mboleko yenkunkuma kubalwa, ngokusekwe kwi I-3/4 yexabiso langoku lokwenza ukwenziwa kwemali esekwe yibhanki ephakathi ngosuku lokufumana imali. Ngenxa yoko, umnini-zabelo we-jilokoperive uza kuhlawula ngaphezulu kwama-250 amawaka e-ruble. ngonyaka. Kwangelo xesha, igalelo leminyaka xa lishiya intsebenziswano iya kubuyiselwa.

Pros kunye ne-LNA

Ifoto M. SwinciseKova, v. cutysyshov izibonelelo ezingazibuyekezwa:

Ngokujoyina i-zhilkopeapeationation, akukho nkqubo ide yokuqala iyafuneka, njengoko uqhagamshela ibhanki yemali mboleko mali; Akukho zithintelo kumgangatho, ubudala, imeko yomtshato, akukho ndawo yokuhlala;

Akukho sidingo sokuqinisekisa ingeniso yakho kwireferensi okanye ukukhangela iziqinisekiso;

inokuthengwa indawo yokuhlala kuyo nayiphi na indawo yokuhlala yelizwe lethu;

Kuba imirhumo yezohlukeneyo inokusetyenziselwa ukuthenga okanye ukwakhiwa kwezindlu, imisebenzi ebanzi yezindlu ithembekile, ngaphandle koko, iphantsi koPhicotho-zincwadi olugunyazisiweyo;

Izabelo zezabelo zemali zithathwe ngokwahlukeneyo: Imirhumo yobulungu kunye nexesha lebhanki ifakwe kwiiakhawunti zebhanki nganye, oko kukuthi, imali ayixubeki kwaye ichithwe kuphela ngeenjongo ezichazwe ngokungqongqo;

Igumbi lokuthengwa kwendlu lithengwa emva kokulungelelaniswa nomnini zabelo nangokungqinelana neemfuno awahendayo kwingxelo xa ujoyina i-zhilkopeeperationation;

Ngaphambi kokuthenga izindlu, ilungu lentsebenziswano kwezindlu linokutshintsha iimfuno zalo, kunye nesixa sentlawulo yenyanga, ixesha kunye nenani lokuqokelela, ukunciphisa ixesha lokubuyiswa kwegalelo;

Igumbi lokungena linokungena xa i-1/3 yexabiso layo lentengiso sele iqokelelwe (ngokuxhomekeka ekubeni indlu sele yakhiwe);

Kuyenzeka ukuvavanya iindleko zokufumaneka kwezindlu ezikhoyo njengomrhumo wemali, kunye nokusetyenziswa koncedo lwezezimali olunikezwe ngabaqeshi, imibutho yabasebenzi okanye izihlobo kunye nabahlobo;

Idiphozithi yakho yokuhlawula inelungelo lokudluliselwa, thengisa okanye unike elinye ilungu loMsebenzi-zindlu; Ukongeza, ungathembela ekuthengweni kwamagumbi amabini ngaxeshanye, kubazali nabantwana;

Inxalenye eseleyo yomnikelo opheleleyo inokuhlawulwa ngaphambi kwexesha, nakwisiganeko sokuphuma esizweni, ubungakanani beefizi zobulungu kukubuyela.

Ngoku- malunga nemizuzu. Nakuphi na i-hillooperepetive iphakamisa umngcipheko omkhulu kunomrhumo. I-Bhanki izinzile kakhulu, kwaye ukusebenzisana kunokuba ngumhlaba ochumileyo kubadlelane.

Intsebenzo yombutho wabathengi (i-peak) ngokuhamba kwexesha kufuneka iguqulwe ibe yi-LN. Ingxaki kukuba nangona ubukho be-Peak ngokusesikweni ayiphikisanga umthetho, nakweyiphi na imithetho imisebenzi yabo ayiboniswanga. I-TITA ithetha ukuba nakuphi na ukubhena kwinkundla yesikhalazo ngokuchasene nentshukumo ye-Peak iqwalaselwe malunga nelahleko, bona, abangayithandi i-LN, abanakutobisa i-LN, abanoxanduva lokufumana izibophelelo zalo zepropathi.

Yintoni eyona inzuzo yokuthatha imali mboleko yebhanki okanye ujoyine i-lng? Iingcebiso zethu: Jonga zonke iinketho, chonga amathuba ethu ezemali kwaye, obaluleke kakhulu, xabisa ukuthembeka kombutho, enzelwe ukuthenga indlu.