Imali yokubeletha yokuthenga imoto

Iningi lemikhaya yaseRussia elithole isitifiketi sokulahla imali enkulu yomzali iphakamisa imibuzo eminingi ehlobene nokuthi lesi silinganiso sokusekelwa komphakathi singasetshenziswa kanjani. Kufaka phakathi, ngokuvamile abazali abasha banesithakazelo ukuthi kungenzeka yini ukuchitha imali yokubeletha ekuthengeni imoto. Kulesi sihloko sizozama ukuqonda lokhu.

Kungenzeka yini ukuthenga imoto ngemali yokubeletha?

Ngaphansi komzali, noma imali eyinhloko yomndeni ibhekwa njengokukhokhwa kwemali yentengo yenani, inani laso ngo-2016 lingama-ruble angu-453 026. Ngokungangabazeki, le mali iyamangalisa, futhi imindeni eminingi ilindele ukuthi iyobasiza ukuba baxazulule inkinga yokuthutha.

Ngeshwa, umthetho awuvumeli ukunikezwa kwemali yokubeletha ukuthenga imoto. Lesi silinganiso sokusekelwa kwezenhlalakahle, njengesisekelo esiyinhloko, sisho ukuthuthukiswa kwezimo zokuphila zemindeni nezingane, ngakho-ke lezi zimali zingasetshenziswa ukuthenga indlu yokuhlala noma isakhiwo sefulethini, kanye nokubuyisela imali yokubolekwa kwempahla. Ngaphezu kwalokho, lezi zimali esikhathini esizayo zingasetshenziswa ukukhokhela imfundo yendodana noma indodakazi nokuhlala kwakhe ehostele, imishini yokuhlala uma ingane ikhutshazekile, nokwandisa impesheni yomama.

Nakuba u-State Duma uye wacabangela ngokuphindaphindiwe izikweletu ngesiphakamiso sokuvumela ukunikezwa kwemali yalesi sikweletu sokuthengwa kwemoto ekuthengeni imoto, ekugcineni, konke kwalahlwa. UHulumeni waseRussia Federation uchaza isikhundla salo ngokuthi imoto ingokwesigaba sempahla ehambayo, futhi ingabhaliswe kuphela egameni lomama noma ubaba wezingane. Ngesikhathi esifanayo, izithakazelo zezingane ezincane, ezithintekayo kakhulu, zizohlala zingenakubalwa. Ngesizathu esifanayo, lapho uxazulula inkinga yezindlu ngokusebenzisa izindlela zokukhokhwa, abazali baphoqelekile ukuhlinzeka zonke izingane zabo ngamasheya ezindawo endaweni esanda kutholakala noma enye indawo yokuhlala.

Kufanele kuqaphele ukuthi kwezinye izindawo ukuthenga imoto usebenzisa imali enikeziwe emndenini nguhulumeni wokuzalwa kwezingane, kungenzeka. Kulesi simo, sikhuluma ngalokho okubizwa ngokuthi "i-capital regional maternity", inani nemali yokukhokha okungase ihluke kuye ngokuhlala komndeni. Ikakhulukazi, eSt. Petersburg, abazali abakhulu banelungelo lokuthola inkokhelo enjalo ye-ruble eyi-100,000, futhi ingasetshenziswa ukuthenga imoto entsha yokukhiqiza isiRussia ngokuhlala okungenamkhawulo.