Kuyambira pa Januware 10, 2021, lamulo la 115 la 115 limasinthidwa ku Russia, malinga ndi zomwe zimachitika kuti ntchito igulitsa ikhale idzayang'ana korona. Ndipo mabanki akuwonetsetsa kuti ndalama zogulitsa nyumbayo, zimapita ku "zolinga zabwino". Ndi zovuta ziti pankhaniyi zomwe zikuyembekezera ogula ndi ogulitsa? Kodi izi zitha kutsogolera pakukwera pamtengo wa nyumba? Bankrosos.ru adaphunzira za izi kuchokera kwa akatswiri.
Kumbukirani kuti molingana ndi Lamulo 115-FZ "polimbana ndi kugwirizanitsa kulembetsa (ndalama) za ndalama zomwe zimapezeka chifukwa cha chigawenga amatanthauza" Kuyambira pa 2021, ofesiyo idzalamuliranso kugula ndikugulitsa zogulitsa mu ruble zopitilira 3 miliyoni. Komanso, malonda ena enieni azikhala moyang'aniridwa ndi Dipatimenti: renti, ngongole yanyumba, yolemba ntchito.
Katswiri wa ntchito kuti atsimikizire mabungwe ovomerezeka a "malangizo" Svetlana Koroshrova amalongosola kuti kusintha kwa ma 115-FZ kuti, kuti muchepetse mauthenga obwereza, kuti Kapangidwe kake kamene kakufunika kugwira ntchito.
Anaonanso kuti njira yopangira nzika ndi mabungwe sizinasinthe, kotero kapena malembedwe kapena zovomerezeka kapena zovomerezeka sizimakumana ndi zovuta zina.
Kodi chidzasintha chiyani?Malinga ndi Kirlanova, ngati munthu wakale akagulitsa nyumba zokwera mtengo kuposa ma ruble okwera 3 miliyoni kudzera pa malo ogulitsa nyumba, kenako atamaliza kugulitsa katunduyo ndi kulembetsa kwa malo ogulitsa. Nthawi yomweyo, ngati munthu amasuliridwa gawo la ndalama chifukwa cha banki, bankiyo, powona cholinga cholipira, pofunsidwa kuti apereke lipoti lolembetsa ndikutumizanso lipoti la rosfanemoning. Ndiye kuti, uthenga wopita ku rosfangerring idachitika.
Tsopano mabungwe adzagonjera lipoti osati za ntchito zanyumba (monga kale), koma za opaleshoni yotsatira ndi ndalama zomwe zimagwiritsidwa ntchito muzogulitsa zapaderazo, zomwe zidafotokozedwa ku Banja. Chifukwa chake, mabungwe ogulitsa nyumba amagulitsa nthawi zambiri amachotsa udindo kuti apereke malipoti pansi pa mgwirizano wogulitsa katundu. Ntchitoyi imangokhala pamabungwe omwe amapereka ndalama.
Kodi Pali Mavuto Oti?Crown Cer Der Evgenia Zainchuvskaya alemba kuti ndi kulowa mu kusintha kwa kusintha komwe sikungangogula ndikugulitsa malo ogulitsira.
"Nthawi yomweyo, kuwerenga kwa gawo lenileni 1.1 ya zaluso. 6 FZ 115-FZ, yomwe ili ndi chisonyezo cha "kugulitsa" mwapakatikati, kumapangitsa kuti mapangano angapo agwirizane nawonso malo osungirako ndalama, kuphatikizapo kuti agwirizane Kugwira Ntchito Zachuma Kukuwongolera Kuwongolera? Pofika, funso lidali lotseguka, "limatero Zainchukovkaya. Mlandu uti, mgwirizano womwe uli ndi malo ogulitsa angathetsedwe?Zenchukovskaya anazindikira kuti aboma anavomereza izi, palibe chodabwitsa, chifukwa nyumba yeniyeni ndi imodzi mwa njira zovomerezeka zovomerezeka. Chowonadi ndi chakuti ili ndi vuto lalikulu. Kuphatikiza apo, kugulitsa kumatha kuchitika popanda oyikika komanso kudzera pa ndalama. Palibe mtengo waukulu womwe umagwirizanitsidwa ndi kupeza kwa zinthu kapena kudzipereka mu galamalo, kunatero Bank Bankloctor.
Adachenjezanso kuti kugulitsa nyumba kungaoneke ngati maphwando omwe akufuna kuti abisire, mtengo kapena wogula kapena wogula amafunsa kuti apange njira yopangira kusinthanitsa popanda zifukwa zilizonse kapena kuthetsa kuwerengera kubanki. Chiyanjano cha zochitika zochitidwa pakapita nthawi, ndalama zachitatu chifukwa cha ndalama zomwe zalandilidwa kuchokera kudziko lina, zimathanso kukopa.
Kodi mitengo ya nyumba idzasintha?Kirlarov ali ndi chidaliro kuti kusintha kwa 115-FZ sikungakulepheretse kusintha pamsika wogulitsa katundu ndipo, makamaka, kuti akweze mitengo ya nyumba.
Zenchukovskaya adawonanso kuti kulimbitsa mphamvu mwa kudzawonjezeka pa mitengo ya nyumba, chifukwa sikutanthauza ntchito zina zowonjezera pamaphwando.
Sindikugwirizana ndi Purezidenti wa QBF Maxim Fnurov. Amakhala ndi chidaliro kuti ogulitsa msonkho wowonjezera pa malo ogulitsa nyumba azikhala owonjezera pamtengo wa chinthu chomwe chimalipira msonkho.