NgoDisemba we-2020 yokugqibela, enye yeebhanki isungule imali mboleko entsha yolwakhiwo lwezindlu zelizwe zabucala. Ixabiso lenzala yi-6.1%, eli gama lide lineminyaka engama-20, kunye negalelo lokuqala elingaphantsi kwe-20%. Olu lukhetho olulungileyo kwabo bangenayo imali yendlu yedolophu. Nangona kunjalo, iintsapho ezincinci kuphela ezinokuba ngababolekisi, apho amaqabane aphantsi kweminyaka engama-36 ubudala. Enye imeko kukuba nomntwana omnye ngeminyaka ukuya kwiminyaka eli-19 ubudala. Iimali zingachithwa ekwakhiweni kwento kwi-plan okanye ekuthengweni komhlaba kunye nokuhlawulwa kwemali. Abahlali bemimandla yeMoscow kunye ne-lengerad, iBhanki ibonelela ngeyona nto iphambili kwimali mboleko-ye-12 yezigidi i-rubles, kodwa eminye imimandla - izigidi ezi-6.
Le nkqubo yenzelwe ukuphuhlisa intengiso yezindlu yelizwe, ithathwa njenge-Pilot kwaye isebenza kude kube nguJuni 1, 2021. Emva kokugqitywa kweprojekthi, iziphumo ziya kuhlaziywa ukuze ziphuhliswe ngemveliso kwimveliso ye-mobile kwicandelo le-ILS ukuba lisungulwe kwilizwe liphela. Kodwa ibhanki ayilindi ihlobo kwaye yandiswa le nkqubo ngoFebruwari.
Ukuza kuthi ga ngoku, izithintelo kubudala kubantu baseRussia abafuna ukuthatha imali mboleko mali yokwakhiwa kwendlu nganye enereyithi ye-6.1%. Ngoku inkqubo inokusebenzisa ummi ongaphezulu kweminyaka engama-65 ubudala kwaye ingaphantsi kweminyaka engama-21, kwaye ayizizo iintsapho ezincinci ezinabantwana. Oko kukuthi, imiqobo yesiqhelo yomsebenzi.
Inkqubo isebenza phantse iinyanga ezi-3, kwaye ngeli xesha iBhanki ifumene izicelo ezingaphezu kwama-300 ezigidi zeerandi. Imali mboleko yokuqala yemali mboleko (engaphantsi kwe-6.1%) yavunywa ngoDisemba - usapho oluvela kwiSixeko saseVidnoe (uMmandla weMoscow) sityale imali ekwakhiweni kwendlu ngendawo yokuhlala. Uninzi lwazo zonke izibongozo zafunyanwa kubahlali baseMoscow kunye ne-St. Petersburg, kunye ne-Sami yaseSarara, i-Toumen kunye ne-chelyabinsk. Kulindeleke ukuba kufuneke umbango wolo mboleko ngqo, ukujonga ukususwa kwezithintelo kwiminyaka yobudala, kuya kwanda.
Kukho imali mboleko, kodwa akukho ndawo
I-boom yelizwe ukwakhiwa kweli lizwe kunyaka ophelileyo yenye yezizathu zokusilela kwamacandelo olwelo kwi-ILS (289 amawaka ezindlu zakhiwa ngo-2020). Izinketho ngendawo elula, unxibelelwano olucacileyo, iindlela ezilungileyo zokungena kunye neziseko zentlalo zanele. NgokukaVudim Fidarov, uMlawuli wokuSebenza ngeeArhente zikaRhulumente kunye neeBhanki zoMbutho weZindlu zeWoophu-Jikelele, oku kunokukuchaphazela kakubi ukuphuculwa kwenkqubo entsha ye-morbage. Iintsapho ezincinci ezinabantwana zifuna indlu yelizwe kule ndawo, apho ikufuphi nayo yonke into oyifunayo.
Kwaye ngoku kunzima ukukhetha iyelenqe, njengoko likhephu (ngakumbi kwimimandla esemantla). Ehlotyeni, le nkqubo iza kuphela, kwaye uninzi aluyi kuba nexesha lokufumana imali mboleko yemali mboleko. Ngapha koko, ngokutsho kwabavelisi bendawo yekhaya, akukho lula ukuthenga indlu eyayiselweyo. Iinkampani sele zikhutshelwe ngokwemiyalelo. Imibutho yaphawulwa ukuba abathile abavelisi baya kuhlala ngaphambi kwekwindla yexesha elizayo.
Kutheni le nto abantu benjenje? Ngokwe-iSebe leMfundo leMfundo, iBalls ukuthandabuza kukhupha imali mboleko yolwakhiwo lwezindlu, ezakhiwe "ngokwazo" ngokwemibandela ". Iibhanki zifuna idipozithi yolwelo, imihla echanekileyo yokumisa igunyaziso, njlnjl, njl njl. Ke ngoko, abezobupolitika bakhuthaza iiprojekthi eziqhelekileyo, indlela yemveliso yokwakha izindlu zabucala. Umzekelo, iindleko ze-domopal ye-domocal ye-domocal ukuya kuthi ga kwi-3.5 yezigidi ruble zingathengwa kwisaphulelo se-10%.
"Ukukhula kokuqhuma kwako konke ukwakhiwa kwezindlu kweli lizwe"
UMongameli uyalela iKhabhinethi ukuba iphuhlise kwaye ingenise iinkxaso zenkxaso ye-ILS ngoJulayi. Kwaye isitshixo sazo sisiciko semibandela yokhetho. Enkonzweni yoqoqosho uqinisekile ukuba kungekudala iimveliso ezifumanekayo kakhulu ziya kunikezelwa kubemi kulo lonke ilizwe.
USekela-Mphathiswa Wezekhaya Nezindlu kunye neeNkonzo zoLuntu kunye neRussian Federation Nikita Stasysshin
"Siyathembisa ukuba kude kube phakathi konyaka siza kuphuhlisa indlela eya kunika ithuba lokukhupha zonke iinkqubo zokhetho kwinqanaba lokwakha phantsi kwe-ILS kuyo nayiphi na intsebenzo."
Enye yeeprojekthi ezibaluleke kakhulu ziya kuba yinkqubo yeakhawunti ye-Escrow ekwakhiweni kwendlu yabucala. Imele ikhusele umntu ovumelana nomphuhlisi wolwakhiwo lwento, ukunciphisa umngcipheko. Ipolitiki iqaphele ukuba izinto ezintsha ziya kubangela "ukukhula kwako konke ukwakhiwa kwezindlu kweli lizwe."