Mu Disembala pa 2020, m'modzi mwa mabanki adayambitsa ngongole yabwino yomanga nyumba zapakhomo. Chiwongola dzanja ndi 6.1%, mawuwo ali ndi zaka 20, ndipo zopereka zoyambirira ndizochepera 20%. Iyi ndi njira yabwino kwa iwo omwe alibe ndalama zonse zapamwamba zapamwamba. Komabe, mabanja achichepere okha ndi omwe angakhale obwereketsa, pomwe okwatirana amakhala ndi zaka 36. China china ndikuyenera kukhala ndi mwana m'modzi wazaka mpaka 19. Ndalama zitha kugwiritsidwa ntchito popanga chinthu pa chiwembucho kapena kugula malo ndi kulipira. Kwa okhala kumadera a Moscow ndi Leningrad, bankiyo imapereka ndalama zambiri zobwereketsa - ma ruble 12 miliyoni, koma kumadera ena - ma ruble 6 miliyoni.
Pulogalamuyi idapangidwa kuti ipange msika wa nyumba, umawonedwa kuti woyendetsa ndege ndi wovomerezeka mpaka June 1, 2021. Akamaliza ntchitoyo, zotsatira zake ziziwunikidwa kuti zitheke chifukwa chonyamula katundu wa ngongole m'munda wa ILS kuti ayambe dziko lonse. Koma bank silinadikire chilimwe ndikukulitsa pulogalamuyo mu February.
Mpaka pano, zoletsa pazaka za Russia omwe akufuna kutenga ngongole yanyumba yomanga nyumba ya munthu wokhala ndi 6.1%. Tsopano pulogalamu imatha kugwiritsa ntchito nzika ya zaka 65 osati zaka 21, ndipo osati mabanja achichepere okha. Ndiye kuti, zoletsa m'badwo wamba ntchito.
Pulogalamuyi imagwira pafupifupi miyezi itatu, ndipo panthawiyi Bank idalandira ntchito zoposa 300 bilo. Ngongole Yoyamba Yoyambira (Pansi pa 6.1%) idavomerezedwa mu Disembala - banja lochokera mumzinda wa Vidnoe (Marcow Dera la Vidnoe (A Moscow Dera) lakhala likupereka ndalama pomanga nyumba pafupi. Ambiri mwa ziwonetsero zonse adalandiridwa kuchokera ku Moscow ndi St. Petersburg, komanso nzika zakuchokera ku Samara, ATSOM ndi Chelyabinsk. Zikuyembekezeredwa kuti kufunikira kwa ngongole yotchuka kumeneku, poyang'ana kuchotsedwa kwa zoletsa pazaka, zidzawonjezeka.
Pali ngongole, koma palibe dera
Boom yomanga dzikolo chaka chatha inali pazifukwa zoperewera kwa magawo a madzi a ILS (289 nyumba zapakhomo zidamangidwa mu 2020). Zosankha zokhala ndi malo osavuta, zolumikizira zowunikira, misewu yabwino yofikira komanso malo ochezerawo siokwanira. Malinga ndi Vadim Titarov, wamkulu wogwira ntchito ndi mabungwe aboma ndi mabanki a gulu la nyumba yamatabwa, izi zitha kusokoneza chitukuko cha pulogalamu yatsopano yanyumba yazanyumba. Mabanja achichepere omwe ali ndi ana amafunikira nyumba ya m'dzikomo m'derali, pomwe pali chilichonse chomwe chili pafupi ndi nthawi yabwino.
Ndipo nkovuta kusankha chiwembu, chifukwa chipale chofewa (makamaka kumpoto). M'chilimwe, pulogalamuyo idzatha, ndipo ambiri sadzakhala ndi nthawi yopeza ngongole yopatsa chidwi. Komanso, malinga ndi opanga apanyumba, sizophweka kugula nyumba yokonzedwa. Makampani adatsitsidwa kale ndi madongosolo. Mayanjanowo adazindikira kuti opanga ena adzalandidwa kale m'tsogolo.
Chifukwa chiyani anthu amakhala ndi nyumba zapanyumba? Malinga ndi Unduna wa maphunziro, ziphunzitso zimabweretsa ngongole chifukwa chomanga nyumba, zomwe zimamangidwa ndi "zawo", "malinga ndi". Banki amafunikira madzi osungirako madzi, zolondola zolondola potumiza maudindo, monga mwa aboma, fakitale ya Favoreskt ndi chinthu chofunikira kwambiri (mabanki athe kuwerengera ziwopsezo). Chifukwa chake, andale amalimbikitsa mapulojekiti ena, njira yopangira nyumba zapakhomo. Mwachitsanzo, matabwa otamata amawononga ma ruble 3.5 miliyoni atha kugulidwa pa kuchotsera kwa 10%.
"Kukula Kukula kwa Ntchito Zonse Zanyumba"
Purezidenti adalangiza nduna kuti ipange ndikupereka chithandizo cha ILS mu Julayi. Ndipo fungulo la iwo ndi ngongole pazinthu zosakomera. Muutumiki wachuma ukukhulupirira kuti posachedwa zopangidwa ndi ngongole zanyumba zidzaperekedwa kwa nzika mdziko lonse.
Pukutaty mtumiki womanga ndi nyumba komanso ntchito za ku Russia Federation Nikita Sntashin
"Tilonjeza kuti mpaka pakati pa chaka tidzapanga njira yomwe ingapatse mwayi woti abweretse ngongole ya madongosolo onse omwe ali ndi mwayi womanga pansi pa ils."
Chimodzi mwazinthu zofunika kwambiri kudzakhala dongosolo la Escrow pomanga nyumba yaimwini. Iyenera kuteteza munthu amene amazigwirizana ndi wopanga ntchito pomanga chinthu, amachepetsa ngozi. Andale ananena kuti zopangidwazo zidzayambitsa "kukula kwa zomangamanga nyumba zonse mdziko muno."