Ukubolekwa kwemali yokwakhiwa kwindlu yokufumana umthamo

Umthamo weMaternity ngumlinganiselo obaluleke kakhulu wokukhuthazwa kwezezimali kwiintsapho zaseRussia, apho umntwana wesibili okanye olandelayo ovela khona u-2007. Ngo-2016, isixa-mali sokuqala sale ntlawulo yentlalo sele idibene ngokuphindaphindiweyo, kwaye ukuza kuthi ubukhulu bayo bungaphezu kwama-ruble angama-450. Le mali ivumela iintsapho ezininzi ukuxazulula ingxaki yezindlu nokwandisa indawo yazo yokuhlala.

Nangona akunakwenzeka ukukhupha le milinganiselo yokukhuthaza iintsapho kunye nabantwana, kukho iindlela ezininzi zokusebenzisa ilungelo lokulahla ezi mali. Kubandakanywa, iifenini-zinikwe isitifiketi zinelungelo lokufumana imali mboleko yokwakhiwa kwindlu yokufumana umthamo wokubeletha okanye ukubuyiselwa imali mboleko ekhishwe ngaphambili. Kule nqaku, siza kujonga ubuqhetseba bale nkqubo kwaye sikuxelele ukuba yimaphi amaxwebhu anokufunwa ukuze adlulise le ntlawulo yentlalo kwi-risithi okanye ukuhlawulwa kwemboleko.

Indlela yokufumana imali mboleko yokwakha indlu yentsapho yokubeletha?

Ukuze ufake isicelo semali-mboleko yokwakha ikhaya kunye nokusetyenziswa kwemali yomzali njengenxalenye yentlawulo yokuqala, kufuneka uthumele isicelo esibhaliweyo kwibhanki okanye nayiphina iziko lemali ngesicelo sokubonelela imali efunekayo. Kuyo, kuya kufuneka ucacise ukuba ungakanani imali ofuna ukuyifumana, kunye nendlela oceba ukuyisebenzisa ngayo. Kwakhona, ibhanki kufuneka inikwe iikopi ikopi yesitifiketi somzali.

Kubalulekile ukuba uqaphele ukuba iintlawulo ezinjalo azenziwanga yiziko ngalinye lekhredithi. Njengomthetho, ukubolekwa kwemali ngenhloso yokwakha indlu yokuhlala esebenzisa iindlela zokuncedisa ezentlalo, zithunyelwa kuSberbank yaseRashiya okanye i-VTB 24 Bank.

Emva kokuba imboleko ivunyiwe, kufuneka ufike kwiNgxowa-mali yePensheni kwidilesi yokubhalisa esemthethweni kwaye ngokubhaliweyo ukuba ufake isicelo senxalenye okanye yonke imali yokubambisa imali yokubuyisela umboleko wokwakha indlu. Ukuze uhlalutyo oluzayo luya kuvunywa, kuya kufuneka uqokelele amanani amaxwebhu, oku:

• isivumelwano sokubolekisa ngemali, kwisicatshulwa sokuba injongo yokufumana imali eboleweyo kufuneka iboniswe - ukwakhiwa kwendlu yokuhlala kwindawo ephambili ekhoyo kwidilesi ethile;
• imibhalo esemthethweni kweli lizwe;
• imvume yokwakha isakhiwo sokuhlala;
• eqinisekisiwe kwinqununu ye-ofisi yeenarharenti yokwabela izabelo kwindlu eyakhiweyo kumphathi wesitifiketi, umlingane wakhe wezomthetho kunye nomntwana ngamunye ngabanye.

Ukongezelela, ukuba ukwakhiwa kwendlu kungeke kwenzeke ngentsholongwane yentsapho, kodwa ngokubandakanyeka kontraka, ngaphezu koko kuya kufuneka unikeze ikopi yesivumelwano kunye nale nhlangano.

Ukuba amaxwebhu angenisiwe aqule ulwazi olunzulu, kwaye ukuthengiswa okucwangcisiweyo akuphuli amalungelo kwanoma yiphi ilungu losapho, isicelo sakho siya kunikwa. Iinyanga ezi-2 emva koko, imali iya kudluliselwa kwiNgxowa-mali yePensheni kwi-akhawunti yeziko lemali.

Ngokufanayo, kuvunyelwe ukuthumela inani lemali yokubeletha ukubuyisela umboleko wokwakhiwa kwindlu yokuhlala yokuhlala kuthathwe ngaphambili. Kuzo zombini iimeko, akudingeki ulinde ukwenziwa komntwana oneminyaka emithathu ubudala - uvumelekile ukusebenzisa ilungelo lakho emva kokufumana isatifikethi seentsapho.