Monga cashing umayi likulu mwalamulo?

Popeza 2007, boma ikuwongolera ndalama mabanja achinyamata amene ali ndi achibale ziwiri kapena zambiri kapena ana atsopano. thandizo koyamba anakwana kotala ya milioni rubles. anasintha kwa kufufuma mu 2014 adzalandira satifiketi kwa kuchuluka kwa 420 zikwi rubles. Mwamtheradi mabanja onse pambuyo January 1, 2007 anali wachiwiri kapena wotsatira mwana angayenerere chithandizo cha boma, pulogalamu imeneyi imagwiranso ana atsopano. N'chifukwa chake makolo akudabwa momwe cashing umayi likulu.

Momwe thandizo la ndalama kuchokera ku boma?

Sikuti nthawi yomweyo pambuyo pa kubadwa kwa mwana akuthamanga pambuyo ndalama, komabe iwo angagwiritsidwe ntchito pamene mwana akutembenukira zaka 3. Kulandira thandizo palibe makolo Musachotse, kotero ndalama zilipo pa nthawi iliyonse. Udindo ndikukhazikitsa pulogalamu ndi Fund RF penshioni, nthumwi zake adzatiuza mwatsatanetsatane mmene cashing umayi likulu.

Kupeza umboni wotsimikizira yoyenera thandizo boma ndalama, m'pofunika kusonkhanitsa zikalata: kalata kubadwa kwa ana onse, mayi wa pasipoti, kalata ya mokakamizidwa inshuwalansi penshioni, chosankha bwalo pa kukhazikitsidwa. Ndiye muyenera kutsatira kwa PF pa nyumba yake ndi kulemba mawu citsanzo naye. Ulamuliro waperekedwa kwa mafotokope yekha mapepala. Kalata lidzakhala lilipo mu mwezi.

Njira yaikulu ya kupeza ndalama

Kusadziwa momwe cashing umayi likulu, ambiri makolo losasamala kugwa kwa nyambo zoberana. Kumbukirani: kugwiritsa ntchito mwalamulo chithandizo boma likhoza kukhala malipiro si ndalama. lamulo kukonzedwa chaka chilichonse, ndi njira ntchito likulu umayi ikukula. Pakali pano, ambiri a satifiketi ntchito kutukula amoyo wa banja. Makolo angathe kugula nyumba, kumanga anu, kutenga nawo mbali pomanga mafupa, remodel, kupereka kubweza kapena chidwi pomwepo.

Umayi likulu mukhoza kupita kulipira maphunziro apamwamba a mwana aliyense m'banja, mabungwe maphunziro owonjezereka, ndi laisensi, masukulu oyang'anira tauni ndi boma kapena kindergartens. Kalata akhoza kugwiritsidwa ntchito ndi kusintha mbali zolipirira za penshioni mayi timatha inu kupanga ndalama ndi PF payekha. Ikufotokozanso kuthekera thandizo boma chifukwa maphunziro apamwamba akuchikazi.

Amene mabanki ndi cashing umayi likulu?

ambiri mabungwe banki kugwira ntchito mu Russia, kulandira zikalata monga malipiro kubweza. Pofufuza mwayi komanso komwe likulu mayi ndi ndalama, makolo ena amakodwa ndi fraudsters, pamene kutaya osachepera theka la ndalama, komanso munthu pazipita - mulimonse. boma sasamalira kwa issuance wa ndalama zimene angathe kuigwiritsa pa chakudya kapena zovala, kotero sapita pa za bongo mwachinyengo.

Wogwila PF onena mmene cashing umayi likulu mwalamulo. Ngati banja akufunikira mavuto nyumba, ndiye kuti ngongole ndi mphoto yake wotsatira wa boma chithandizo akhoza amalipidwa mabanki zotsatirazi:

• Ndalama Bank - amapereka ngongole kwa zaka 30 pa 14% pa annum, ntchito ndi nyumba okonzeka zopangidwa.
• DeltaCredit - amapereka nyumba ngongole ndi zopereka koyamba 5%.
• VTB24 - amapereka ngongole kwa zaka 50 pa 11% pa annum. likulu umayi angagwiritsidwe ntchito ngati malipiro.

Komanso mankhwala yabwino ngongole anapereka Bank wa Moscow, Primsotsbank, UniCredit, Nomos Bank.