Ukukhokhela ukwakhiwa kwendlu yenhloko yokubeletha

Imali yokubeletha iyisilinganiso esibaluleke kakhulu sokukhuthaza isikhwama semindeni yezakhamuzi zaseRashiya, lapho ingane yesibili noma eyalandela ivele kusukela ngo-2007. Ngonyaka we-2016, imali yokuqala yalesi sokukhokha kwezenhlalakahle ilandelwe kaningi, futhi kuze kube manje usayizi wayo udlula ama-ruble ayizinkulungwane ezingu-450. Lezi zimali zivumela imindeni eminingi ukuxazulula inkinga yezindlu nokwandisa indawo yabo yokuhlala.

Yize kungenakwenzeka ukukhipha lesi simiso sokukhuthaza imindeni enezingane, kunezindlela eziningi zokusebenzisa ilungelo lokulahla lezi zimali. Kufaka phakathi, imindeni-abanikazi besitifiketi banelungelo lokuthola imali yokubolekisa indlu yokwakha imali yokubeletha noma ukubuyiselwa imali ekhishwe ngaphambilini. Kulesi sihloko, sizobheka ubuqili bale nqubo futhi sikutshele ukuthi yimaphi amadokhumenti angadingeka ukuze adlulise lokhu kukhokhelwa kwezenhlalakahle kuze kutholakale noma ukukhokhwa kwemali mboleko.

Ungayithola kanjani imali yokubolekwa kwakha indlu yezimali zokubeletha?

Ukuze ufake isicelo sokubolekwa kwemali yokwakha ekhaya nokusetshenziswa kwemali eyinhloko yomzali njengengxenye yokukhokha kokuqala, kufanele uthumele isicelo esibhaliwe ebhange noma esinye isikhungo sezimali ngesicelo sokunikeza imali edingekayo. Kuyo, kuzodingeka ucacise ukuthi ungakanani imali ofuna ukuyithola, nokuthi uhlela ukuwasebenzisa kanjani. Futhi, ibhange kufanele lihlinzekele ngokuqondile ikhophi yesitifikedi somzali.

Kufanele kuqaphele ukuthi izinkokhelo ezinjalo azikwenziwa yiziko lesikweletu. Njengomthetho, ngokubolekwa kwemali ngenhloso yokwakha indlu yokuhlala esebenzisa izindlela zokwesekwa kwezenhlalakahle, badluliselwa eSberbank of Russia noma VTB 24 Bank.

Ngemuva kokubolekwa kwemali mboleko, udinga ukufika kwisiKhwama sePensheni ekhelini lokubhalisa elisemthethweni futhi ngokubhala ukubhalisela ingxenye noma yonke inani lemali yokubeletha ukubuyisela umboleko wokwakha indlu. Ukuze umsebenzi ozayo uzovunyelwa, kuzodingeka uqoqe amaphepha amaningi, okungukuthi:

• isivumelwano sokubolekwa kwemali mboleko, encwadini okumele kukhonjiswe ngayo injongo yokuthola imali ebolekiwe - ukwakhiwa kwezindlu zokuhlala endaweni eqondile ekhoneni elithile;
• imibhalo esemthethweni kuleli zwe;
• imvume yokwakha isakhiwo sokuhlala;
• eqinisekisiwe ku-office of notary office isibopho sokubamba amasheya endlini eyakhiwe kumphathi wesitifiketi, umlingani wakhe womthetho kanye nomntwana ngamunye ngamunye.

Ngaphezu kwalokho, uma ukwakhiwa kwendlu kungeke kwenziwe ngamandla omndeni, kodwa ngokubandakanyeka kontrakta, ngaphezu kwalokho kuyodingeka unikeze ikhophi yenkontileka nale nhlangano.

Uma imibhalo ehanjisiwe iqukethe ulwazi olunzulu, futhi ukuthengiswa okuhleliwe akuphuli amalungelo kwanoma yiluphi ilunga lomndeni, isicelo sakho sizokwenziwa. Isikhathi esingaphezu kwezinyanga ezimbili emva kwalokhu, imali izodluliselwa yiSikhwama sePensheni ku-akhawunti yezikole zezezimali.

Ngokufanayo, kuvunyelwe ukuthumela inani lemali yokubeletha ukukhokha imali yokubolekwa kwendlu yokuhlala ethathwe ekuqaleni. Kuzo zombili izimo, akudingeki ulinde ukukhishwa kwengane encane eneminyaka emithathu ubudala - uvunyelwe ukusebenzisa ilungelo lakho ngokushesha ngemuva kokuthola isitifiketi somndeni.