"Military Mortgage": te tikanga hoki te whiwhi he maha o pareparenga. Sberbank ko VTB ngā mō "Mortgage Military"

Tukatuka o taurewa i huaina noaa e rawa te mokete. Kei te whakamahia te reira mo te hoko o kāinga whaitua ranei, hokona te taonga kei te rite taunaha, kia rite ki te taurangi o te utu, engari i roto i tenei take i te kaihoko mai e te tika ki te whakamahi i te reira. Ko tētahi momo o taua moni ko "Military Mortgage". rere ona tikanga i ngā hōtaka tikanga whakaratohia mo te hoko o te whare.

Ko te kōrero o

Mai 2005, ka haere mai te ture ki te kaha, e whakau ana te taea o te whakamahi i te pūnaha katoa hōia Whakaemiemi mokete (NIS). I roto i tenei take, te tango o te whare e taea timata ki te korero i muri i toru nga tau o te whai wāhitanga i roto i te hōtaka e hāngai ana. Ture tenei ara timata hoko kāinga hoia tuku moni anake i roto i te 2009.

Ko tōna parau tumu ko e whai ake. Hoia, ko wai hoki tau e toru, ko te mema o te hōtaka utua kia whiwhi mana o whare. I te wa ano ki ana moni pūkete whaiaro e whakawhitia, e taea te pau i runga i te hoko o hoko whare. I hanga āta tenei hōtaka mo te hōia, no te mea oku kau ki to ratou mahi tahi wā roa-.

Ko wai ka taea e te hoko i te whare

I mua i tatou mahi ki te huarahi o te taurewa, e hiahia ana koe ki te feruri i roto i te hunga ka taea e whai wāhi i roto i te hōtaka i reira ka taea e koe te hoko i te whare mo te kaupapa whakaahuatia. E pā ana te ture ki tino te hōia katoa e mahi nei i raro i te Tāhuhu ratonga hānga ana ranei. Ko ētahi o ēnei e kore anake te Tāhuhu o Defence me te Interior, ka taea e nga kaiuru hei me te hunga e tuku ki te Tāhuhu o Situations Emergency, Spetsstroy Russia, te FSB, FSO, Rosoboronzakaz, te General Directorate o te peresideni o te hōtaka motuhake, me te maha o te tahi atu tari kāwanatanga.

Whai wāhi i roto i te pūnaha penapena, me te mokete e taea e rānei whakahauanga tūao ranei. I raro i ona ngā, ngā rangatira katoa e he i runga i o ratou kirimana tuatahi ka tomo ki mahi i 2005 ahu atu, rangatira whakamana katoa me rangatira kore-faaue nei i mahi i te katoa o nga tau neke atu i te toru, ki te tatau koe i te timatanga o te wā kotahi.

Ko hoki te reira i whakahauanga i roto i te hōtaka te tiki i aua kaimahi e kua whakatairangatia ana ki te tūranga, mo i whakaratohia te ana'iraa o te rangatira, me te hunga e kua puta i te akoranga e tika ana, a riro te ana'iraa o te rangatira mai 2008.

Noa whai wāhi i roto i te hōtaka mokete taea te tangata e puta i ngā kura hōia, me te kua hainatia he kirimana noa te timatanga o 2005. Ano, ko te whānuitanga o tenei pūnaha hinga kara, rangatira whakamana, katipa me rangatira iti.

Kia pehea te mahi i te pūnaha

He tokomaha e wehi ki te whai wāhi i roto i te moni whakaeminga taua, wehi ki te noho, kahore he moni, me kahore whare, ki katoa wareware e ko te reira te kāwanatanga "Military Mortgage". Ona tikanga e whai ake nei: ngā State hōtaka mokete ki ngā kaiuru katoa ki te pūkete whaiaro i whakatapua o te pūtea e hānga ana te nui tikanga. riro katoa moni i roto i whakanuia pono, me te kï mea pūtea. taupū te nui pūtea tohaina te tau. Hei tauira, ki te i roto i 2012 ko te takoha kāwanatanga ā-tau 205 200, i roto i te 2013 nui haere reira ki 220 000 moni.

Ngā o te rironga o te whare

Ki te hoko i to ratou ake tūturu whenua noho i te utu o te pūtea, Me kaimahi hōia ki te waiho i te mema o te NIS, me te wahi ngaro o te moni ki te rēhita anake i roto i te pareparenga-hoa o te hōtaka. I roto i te toenga o te tikanga taurewa whare e kore he tino rerekē "Mortgage Military". Ngā o te moni, Heoi, atu mateaki, no te mea kī ratou i te hokinga mai o te kāwanatanga.

auau huamoni Paerewa o te taurewa tei runga i te tuatahi ranei i runga i te tuarua mākete hoko whare te riro, pae reira i 9,75 ki 11.25% te tau. I te wa taua ki te hoko i te whare e hiahia ana koe ki te hanga i te iti rawa 10% o tona uara. whakaae ano me te wā taurewa: kua hoatu hoki he wā e kore e iti iho i toru nga tau, me te wā mōrahi o tona huinga, i runga i te meka e i te wa o te utu tonu o te nama e kore e makona i te neke atu i te 45 tau.

Ko reira tika hoki ki te kia rite e ka hiahiatia te hōia kia ki te utu i ngā utu katoa e pā ana ki te hoko o te hoahoa whare i roto i te tikanga ki te "Mortgage Military" i whakaratohia. ona tikanga stipulate e pau te nama ia i runga i inihua me ngā ratonga e pā ana ture, aromatawai rawa me tona rēhita āhua.

pūtahi pūtea

Banks, i nei whakawhanake "Military Mortgage", e kore e ngā whakaritenga mō te whiwhi i tēnei taurewa tino huri. Ko ia o ratou he ona ake peculiarities me motuhake e. Ki tenei hōtaka, tahi-mahi e rima pareparenga: Gazprombank, Sviaz-Bank, Bank Zenit, Bank VTB 24, Sberbank o Russia. I tua atu, 30% o nga whakawhitinga katoa haere i roto i te Pokapü whai wāhi i roto i te moni mokete noho.

A, no te kōwhiri i te whare pūtea ia hoia he te tika ki te mohio ki nga tikanga o te taurewa i roto i ia o ratou. Otiia e kore e whai te reira ki te tiki i nga pareparenga katoa ki te mahara te tuhituhi ki raro nga whakaritenga o ia o ratou ranei. I runga i te pae o te United Federation o hōia UNIS katoa taea kitea e koe i te rārangi e kore anake o pareparenga, engari ano hoki nga tikanga e pā ana ki te rahi inihua, utu atu, kōmihana me ētahi atu momo o taurewa.

Ngā o Sberbank o Russia

Ki te whai wāhi i te hoia i roto i penapena, me te mokete pūnaha, ka faaoti ki te hoko i tetahi whare ki runga ki nama, ka hiahia ia ki te kia maheni ki nga tikanga o ngā pareparenga, tae atu i te meka e tuku Sberbank. "Military Mortgage", nga tikanga o e taea makona i te nama, homai tenei whare pūtea te ki kaiuru NIS anake. titau te pēke te kiritaki ki te whakaū i te whakamahi tikanga o nga moni e whakaratohia ana e kore e hoko noa i te whare hei taunaha, engari ngā ano te whakakapi i tana wahine (he), kua tukuna he inihua herea. Ko te pēke tuku he pūtea taurewa hoko whare i 10.5%, e kore e nui ake te wā mōrahi o te rēhita 20 tau. E tano ia tapao e te auau huamoni ka waiho i te nama hiahia anake i roto i te kaupapa e kia e tonoa atu ia i te mahi. I ko ia te maha o hoia utua e te taurewa kāwanatanga.

Loan takanga VTB pēke 24

I roto i te hoia he rongonui Sberbank kore anake. He tokomaha e hiahia i roto i, me te tikanga i raro i te mea e wātea ana i roto i VTB 24 "Military Mortgage". Here i roto i te whare pūtea he iti rerekē i te hunga e patua ana e Sberbank. Ko te kupu, ko te auau huamoni iti VTB 24 Ko 9.4%, pea te utu tuatahi i te 10% o te tapeke utu o nga whaitua hopu me 25% ki te hokona te nama he whare ki te whenua.

Reira titau hoki he kautaha fakapa'anga ki te inihua tūponotanga anake o mate o kino ranei ki te taonga hokona i raro i te hōtaka "Military Mortgage". e kore e tikanga Bank tikanga ki te foreclose ture i raro i te taurewa me taea te puta e, ki te tika, ki te utu i mua o te hōtaka. Kaitono nui momo o nui whare, no te mea ratou taea te hoko i te fare i roto i te whare hou, i runga i te mākete tuarua te hoko i te whare ki te iari ranei.

Tuhinga o ngā tuhinga

Hoki te mokete o ngā mema NIS whai wāhi me te tuku ki te pēke taua pepa: puka tono, uruwhenua, he tiwhikete whakau i te tika ki te riro taurewa-whakaaro motuhake mō te whare. Ēnei tuhinga he ranea ki te whakarite kia taea e te pēke whakatau ki tukua mai te moni e hiahiatia ana o te moni. whakakī kaiwhakahaere institution pūtea i roto i te puka tono tika, me te tukua atu ana e ia mo te arotake. Ki te whakapaia e te pēke te whai wāhi ki te nama mo te hōtaka "Military Mortgage", e whai ake ona tikanga hoahoa: me kohi i te kiritaki te tuhinga i runga i te ahanoa hokona. Na, ko te rārangi o ngā pepa e tika ana ngā te whai ake:

1. Tuhinga whakau i te mana o te kaihoko o whare noho. kia waiho te kirimana o te hoko, homai, rēhita kainga, me te pera i runga i tenei.

2. Ko te tiwhikete, i haapapu i te mana rēhita o te ahanoa hokona.

3. tuhinga Hangarau: uruwhenua, tau cadastral.

4. Tohutoro e tohu i te ngaro o te nama i runga i te utu o pire whaipainga, haea.

5. Resolution o puritia hoki hoko, ki te ko te kaihoko te iti.

He mea nui kia kua tuhia nga tuhinga katoa tika, kua whakaaetia he rōia pēke te tuku o te taurewa taua ranei.

whakamutunga wawe o te mahi

I roto i te ora i reira he āhuatanga rerekē, me ētahi wā e takoha iwi ki te waiho i te ope. I te tahi taime whakatika tenei hiahia, a i roto i te hunga e kua hokona kē he fare ki te awhina o te hōtaka "Mortgage Military". uaua rahi Ngā A, no te hanga i te taurewa i roto i tetahi o nga pūtahi pūtea, he tokomaha wehi. Te nuinga wehi o kāinga, engari e kore e tenei tupu, ki te whakaae te nama ki te utu i te toenga o ratou ake nama.

E whakatutuki ana te State ki utu i te taurewa anake mo te hunga e mahi. Ki te i whakakorea te kirimana hōia, te nama ia me whakarite i tukupā pūtea katoa me te utu atu i te toenga nama.