Ukuthenga imoto ngemali yokubeletha ngo-2014/2015

Njengoba wazi, cishe kuwo wonke ama-republic we-USSR yangaphambili, ngemva kokuwa, kwaqala inkinga yabantu - izinga lokuzalwa lehla kakhulu, okwaholela ekwehleni kwenani labantu.

Ngeminyaka yawo-90, umbuso wawungakwazi (noma wawungafuni) ukusiza imindeni enezingane eziningi, futhi uma kwenzeka, inani lemali yesibonelelo lalincane kakhulu.

Ukuze kulungiswe lesi simo, ngo-2007 baqala ukukhokha imali yokubeletha yokuzalwa kwezingane. Lokhu kusekelwa kunikezwa kuleyo mindeni lapho kuzalwa khona ingane yesibili nelandelayo. Inani okwamanje licishe libe. Ama-ruble ayi-430 ayizinkulungwane - imali ayincane kubantu abaningi baseRussian Federation.

Lo mgomo uthela izithelo futhi imindeni eminingi inquma ukuba nengane engaphezu kweyodwa. Futhi ukuze inani labantu bezwe liqale ukwanda, kuyadingeka ukuthi umkhaya ovamile ube nezingane okungenani ezintathu.

Abazali abaningi abasebasha banesithakazelo kulo mbuzo - imali yokubeletha ingasetshenziselwa ukuthenga imoto?

Umbuzo ulungile ngempela, ngoba ngama-ruble ayizinkulungwane ezingu-430 ungakwazi ukuthenga imoto ehloniphekile yokuyisa izingane esikoleni noma emakilasini ezingxenyeni zezemidlalo nokunye.

Abahleli be-portal Vodi.su baphendula lo mbuzo - cha, imali yokubeletha ingasetshenziswa kuphela ngezinjongo ezithile, ezingabandakanyi ukuthengwa kwemoto.

Kuze kube manje, le mali ingasetshenziselwa kuphela izidingo ezinjalo:

• ngcono izimo zokuhlala - mortgage, ukuthenga ifulethi elisha, ukulungisa noma ukwakha kabusha indlu, ukwakha ikhaya lakho siqu;
• izidingo zemfundo zezingane - inkokhelo yesikole, inkulisa, isikhungo, ihostela;
• ukutshalwa kwezimali ezikhwameni zempesheni okungezona ezikahulumeni ukuze kuqinisekiswe ukuguga okuhloniphekile komama wezingane.

Izinqumo ngokuvamile zilungile, imoto ayiyona enye yezinto ezibalulekile, ngaphandle kwalokho ngeke kwenzeke ukuhlala, kodwa ukuhlala ezindlini eziphuthumayo nokusebenza njenge-loader ngemuva kwebanga lesi-9 kungathinta kabi ikusasa lezingane ngokwabo kanye nomphakathi wonke. ngokuphelele.

Nokho, imindeni eminingi ingase iphikise:

"Sinezimo ezijwayelekile zokuphila, kunemali eyanele yokufundisa izingane, kodwa ngeke kube buhlungu ukuba nemoto."

Ngempela, emikhayeni eminingi evela ezindaweni zasemaphandleni noma emikhayeni enezingane eziningi, ukuba nemoto kuyikhambi lezinkinga eziningi:

• izingane zingathuthwa ngokushesha ezikoleni noma ezigabeni;
• abazali ngokwabo, abanemoto, bazokwazi ukuthola imali eyengeziwe, ngeke kudingeke bachithe isikhathi ngamabhasi amancane noma izitimela;
• uma kuba nezinkinga zempilo, ingane noma unina angayiswa esibhedlela ngemizuzwana nje.

Zonke lezi zingxabano sezivele zivezwe kaningi phambi kwamaPhalamende, kodwa kuze kube manje asikho isinqumo esesithathiwe.

Yiziphi izingxabano zamasekela?

• i-matkapital iyi-investimenti esikhathini esizayo noma endaweni ethengiswayo, futhi imoto iyinsimbi nje, eyancipha ngokushesha;
• imoto ingabhaliswa kuphela kumuntu oyedwa osefinyelele iminyaka engu-18, futhi izingane esikhathini esizayo ngeke zithole izinzuzo kulokhu;
• abazali nezingane zabo banamalungelo alinganayo efulethini, okungeke kushiwo ngemoto;
• uma inhloko-dolobha yomama isetshenziselwa imfundo, khona-ke umntwana uzokwazi ukuzondla yena nomndeni wakhe esikhathini esizayo, kodwa imoto ingase ingasindi kuze kube yileso sikhathi.

Okunye okubalulekile okumele abezomthetho bakunake ukuthi ukuthengwa kwemoto kungase kube enye yezindlela zokukhipha imali yomama, ngoba imoto ingaqashwa, futhi imali etholwayo ngeke isetshenziswe izingane noma ukuthuthukisa impilo. izimo, kodwa nganoma iyiphi enye injongo.

Kunzima ukungaboni ngaso linye nezishayamthetho ngalolu daba. Ukwazi i-psychology yamaRussia amaningi, umuntu kufanele alindele ukuthi imali izomane idliwe futhi, okubi nakakhulu, idakwe, futhi izingane, njengoba zazihlala ezimweni ezimbi, zizoqhubeka nokuhlala kuzo.

Ngamafuphi, sifinyelela esiphethweni esilula - isinqumo sokuthi imali izosetshenziswa kanjani kufanele yenziwe kucatshangelwa izici eziningi, okuyinhloko okuyinhlalakahle yomndeni. Izibalo eziningi zomphakathi zithambekele emcabangweni wokudala amakomiti azolawula isimo phansi futhi enze izinqumo ezisuselwa kuzidingo zomndeni othile.

Inhloko-dolobha yesifunda neyesifunda

Kanye ne-federal materiel eRussia, imindeni enezingane eziningi nayo ikhokhelwa inhlokodolobha yesifunda. Isamba sincike endaweni ethile futhi ngokwesilinganiso sisukela kuma-ruble ayizinkulungwane ezingama-50 kuye kwangama-200.. Lezi zimali zivame ukufakwa enganeni yesithathu emndenini.

Umthetho wesifunda wezifunda ezithile - iTula, Kaliningrad, Kamchatka, Novosibirsk, Yakutia, njll. - inikeza ithuba lokusebenzisa lezi zimali ekuthengeni imoto.

Yiqiniso, awukwazi ukuthenga imoto enhle yezinkulungwane ezingama-50-200, kodwa emindenini emikhulu leli yithuba lokuthola isaphulelo esibalulekile.

Ukuze usebenzise le mali, udinga ukwethula imibhalo elandelayo:

• ipasipoti;
• isitifiketi;
• uhlelo lokusebenza;
• imibhalo yokuthengwa kwemoto.

Thina eVodi.su asizange sihlangabezane nokuthengwa kwemoto enenhloko-dolobha yokubeletha yesifunda, ngakho-ke asikwazi ukusho ngokuqondile ukuthi kuhloswe ukuthini imibhalo yokuthengwa kwemoto. Mhlawumbe, lokhu kufanele kufake isitifiketi-isheke, imibhalo yokukhokha yokukhokha inani elithile, inkontileka yokudayiswa kwemoto, okuvela kuyo ukuthi asinalo inani lemali yesifunda.

Ngamafuphi, uma ungumhlali walezo zinhlangano lapho kuvunyelwe ukusebenzisa izimali ngale ndlela, khona-ke kunoma iyiphi indawo yokuthengisa izimoto bazokutshela ukuthi yini okufanele uyenze kulesi simo.

Iyalayisha...