TSZHZ for serviceman. nidaamka amaahda Accumulative guryaha ciidamada

Times marka guryaha ka gobolka keeni kartaa qof kasta oo ku dhamaaday. Haddaba xalka dhibaatooyinka guryaha been on garbaha kuwa u baahan. Tan iyo 2005 waxaa jira nidaam gaar ah oo amaah guryaha beegsaday (TSZHZ) ee askariga. On nuxurka barnaamijka iyo la hadli doonaa in this article.

mortgage

Si aad u iibsato guri dabaq ah ee hantida maguuraanka ah iyada oo loo marayo bangi, waxaa lagama maarmaan ah in la sameeyo lacag hormaris ah oo bixiso bil kasta lacag. Nidaamka noocan oo kale ah waxaa laga yaabaa in wakiilo ku habboon oo ka mid ah shaqooyinka caadiga ah dakhliga ah oo deggan, laakiin ma aha dadka kan naftiisa u huray in adeegga dadweynaha. Gaar ahaan iyaga u, 2004 Dowladda horumartay nidaamka amaahda maal ah (NIS).

Nuxurka barnaamijka waa sida soo socota. NIS qaybgale helo kaalmada bil in aad xisaabta, taas oo keliya loo isticmaali karaa lacag on horay amaahda. In 2013, ay size ahaa 18.5 kun. Rubles. Waayo, sannaddii sakkumulirovat yaabaa 222 thous. Rubles. Heerka kaalmada shaqaalaha oo dhan, laakiin waxaa la sanadle jidka weyn. In 2014 waxay lacag si 233,1 kun. Rubles. 36 bilood ka dib ka qaybgalka barnaamijka waxaa lagu soo gudbin karo warbixin ku saabsan shahaadada ansixin (TSZHZ) ee askariga. Tani waa biloowga in loo helo amaah ah. In kasta oo ay lacagtaasi ka imaan kharash ku amaahdaana, wuxuu iyagii uma isticmaali karo ilaa waqti cayiman. Sidaa darteed, qof si rasmi ah u helo lacagaha ee amaahda. Barnaamijka ujeedadiisu ma aha oo kaliya si ay u bixiyaan guryo qaybaha qaar ka mid ah muwaadiniinta, laakiin sidoo kale on formation of ciidanka. Ka dib markii la helo ka amaah gobolka, qof kama tegi karo on iyaga u gaar ah. Haddii kale, waa in aad si miisaaniyadda soo laabto oo dhan lacag.

Lacagta ururtay in account of amaahdaana, bateen by maal iyo alaabtooda oo dhaqaale oo lagu kalsoonaan karo. Funds lagu sarifan karaa oo kaliya ka dib markii joojinta shaqo, iyo, xaaladaha qaarkood.

falalka dheeraad ah

Ka dib markii la helo dukumentiyada waa markii si ay u bilaabaan si ay u raadiyaan guri dabaq ah. Certificate TSZHZ askari - waa in la oggolaado ee bangiga amaahdaana ayaa si loo xaqiijiyo in ay awood u bixiyaan. Guryaha waxaa lagu qaadan karaa in guriga la dhammeeyayna ama dhismaha. shayga suuqa hoose waa in loo aqoonsan by Federaalka State Institution "Rosvoenipoteka" ah. ma waxaa jira dad badan. Ka dib markii uu macaamilka waxaa lagu go'aamiyaa iyadoo la doortay, waxaad la xiriiri kartaa bangi ee diiwaangelinta ka mid ah heshiiska.

Si aad ugu qalanto ciidamada, waxaad u baahan tahay inaad buuxiso foom su'aalo ah, codsiga furitaanka amaah iyo xisaabta, si ay u bixiyaan xirmo dokumentiyo iyo warbixin ku saabsan kharashka guriga. Paper daboolay ilaa 10 maalmood. Kadib markii ay helaan ansixinta shaqaalaha waa inay xafiiska u saxiixay heshiiska. 12 maalmood oo dheeraad ah ku bixisay on wareejinta lacagaha laga Federaalka State Institution "Rosvoenipoteka" in ay bangiga. Inta Bixid waa lacag hormaris ah. Markaas, on account of amaahdaana yihiin iyo amaahatay lacag ay. Lacagta iibiyaha helo ka dib markii diiwaan gelinta ee waraaqaha oo suuqa kala iibsiga ah ee lahaanshaha. Taas saaray credit ah adeegayaashoodda heshiiska.

Yaa ka qayb qaadan kartaa?

Sida laga soo xigtay Sharciga №117 Federaalka «About NIS", waxaa laga yaabaa in ciidamada, kuwaas oo u adeega oo ku salaysan heshiis ee Ciidamada Qalabka Sida a. Helitaanka guryaha taariikhda codsiga go'aanka kama beddelayso.

NIS waa uchuvstvovat:

• qalin hay'adaha soo gabagabeeyay heshiis ugu horeysay ka dib markii 01.01.2005.;

• Saraakiisha reserve ama iskaa wax u qabso oo bilaabay adeegga ka dib 2004;

• Saraakiisha non-wakiishay, saraakiisha xujo, kuwaas oo ay ka shaqeeyeen in ka badan saddex sano ka dib 01.01.2005.;

• askari oo horyaalka ah sarkaal heshay tan iyo 2007.

ka qaybgalayaasha Tabaruc ah ee barnaamijka waxay noqon kartaa:

• saraakiishii, saraakiil yar yar, askari, badmaax, kaasoo u saxiixay heshiis cusub ka dib markii 2004;

• qalin hay'adaha in ay ledhay adeegga hor 1 January 2005;

• Saraakiisha kan horyaalka laga soo bilaabo 2005 ilaa 2007 helay, loo dhan yahay, oo u adeegnay qandaraas ugu yaraan 3 sano;

• Saraakiisha non-wakiishay, saraakiisha xujo, kuwaas oo ay ka shaqeeyeen in ka badan 36 bilood ka dib 01.01.2005, laakiin qandaraaskiisa ugu horeeyay ee la saxiixay ka hor taariikhda in;

• qalin of 2005-2007 sanadka, kuwaas oo helay darajo ee geedi socodka waxbarashada.

mortgage Shuruudaha

Haddii askari oo xubin ka ah NIS uu noqdo, waxa ay si toos ah u furmay xisaabta keydka ee uu magac. Waayo, qalin of 2005 iyo ka dib, iyo sidoo kale kuwa tababar saraakiisha hoose ka dib markii 01.01.2008, iyadoo saldhig u tahay in la helo darajo sarkaal ee. Waayo, saraakiisha waaran kuwaas oo u adeegi jireen muddo saddex sano ah, - gabagabeeyo heshiiska ugu horeysay. Volunteers barnaamijka waa warbixin ka qoraan in taliyaha. Taariikhda diiwaangelinta ay kitaabkii log la arko doonaa in lagu daro in NIS.

Askari walba waa tiro ka mid ah, oo ku salaysan oo FGI "Rosvoenipoteka" furo shubato xisaabta keydka ah. Ogeysiinta mid noqoshada ee qofka diiwaanka loo diraa unugga.

Output barnaamijka

Haddii ay dhacdo in la joojiyo shaqada, dhimasho, aqoonsiga dadka maqan uu soo hijrooday NIS. Savings koonto xiran yahay oo lacag dhan, waxayna ku xiran tahay duruufaha, qoys military wareejin ama soo laabtay miisaaniyadda federaalka.

Saddex sano ka dib furashada xisaab ah amaahdaana helo xaq u leeyihiin inay isticmaalaan lacagaha ay ku iibsadaan guryaha. Ka dib markii adeegsadaan habsocodyada amaahda si L / s weli imaan doontaa kaalmada. Inta ay ururtay eriga ciidanka waqtiga aad ka heli kartaa lacag caddaan ah. Ogol yahay in ay qaataan amaah ah ee horumar ah ee xaaladaha nololeed ama ujeedooyin kale. fursad ay isku dhex muuqan doonaa shakhsiyaadka ugu adeegay in ka badan 20 sano. Military leh toban sano oo waayo aragnimo ah sidoo kale ka heli kartaa lacag caddaan ah markii uu rasaas:

• oo xidhiidh la leh guusha muddada ugu badan ee joogo adeega;

• sababo la aqoonsiga sida laga nacay shaqada sababo caafimaad,

• sababo qoys, kuwaas oo uu sharcigu dhigayo;

• Natiijada tallaabooyin hay'adeed iyo shaqaalaha.

In case of dhimasho, dhimashada, aqoonsiga dadka maqan, lacagta ururay la siiyaa xubnaha qoyska military. Xaaladaha kale, lacag lagu celin doono miisaaniyadda.

Sidee si ay u iibsadaan guri dabaq ah?

Lacagta wxbarashada on barnaamijka TSZHZ loo isticmaali karaa lacag hoos iyo qayb ka mid ah lacagta bil kasta. lacagta amaah ugu badan waxa loo xisaabinayaa ku salaysan ku darsaday waa in ay noqon on account of askari by waqtiga wuu ka jeestay, 45 sano jir ah. Tan iyo kaalmada la beddelo sanad walba sharciga, xadka loo xisaabiyaa iyadoo indexation account, qiyamka saadaaliyay heerka sicir bararka iyo dulsaarka. Transfer of lacag ay ku xisaab bangi oo kaliya samaynta lacagta ka hor ama lacagta bil kasta si amaah ah.

Geynta waayo TSZHZ

1. Warbixin ku saabsan magaca Taliyaha ayaa.

2. FGI "Rosvoenipoteka" bixiyaan shahaado.

3. Xisaabinta ee xadka lacagta amaahda ah.

4. Search ah ee aqalka.

5. Dalabka amaah guryaha lala beegsaday.

6. Diyaarinta go'aan aqbalaad ah.

7. Saxiixa heshiiska bangiga.

8. Hubi xaaladda FGU "Rosvoenipoteka".

9. heshiis TSZHZ Saxiixa.

10. Transfer of lacag bangiga si ay u sameeyaan lacag hormaris ah.

11. gabagabo ah ee iibiyaha oo ka mid ah gadashada iyo iibinta hantida iyo diiwaangelinta ee heshiiska.

12. Gudbinta dukumentiyada bangiga.

13. Bedelka lacagta in iibiyaha.

Sida ku cad shahaadada?

Qoraalka waxa ku jira macluumaad ku saabsan waxyaabaha soo socda:

• Magaca oo buuxa ee ka qaybgalaha,

• falalka dheer TSZHZ;

• macnaheedu waa qiimaha u ururay ee xisaabta,

• dheelitirka ee magaca koontada.

30 maalmood gudahood ka dib marka foomka la soo saaray shahaado. Markaasaa waxaa u soo diray by mail waadax ah in mid ka mid ah laamihii FSI "Rosvoenipoteka" ama Taliyaha unit. Waqtiga dokumentiga - 6 bilood. Haddii inta lagu jiro waqtigan shahaadada aan la fulin, waa in lagu wareejiyo laanta hoose ee Dawladda Federaalka ah.

Sida loo bixiyo amaahda ee ciidanka?

Lacagta loo isticmaalaa NIS gudahood, 20 sano ee adeeg wareejiyay category ee amaah bartilmaameedka inay deeq ka dib. Haddii qof uu ka fariistay ka hor, waa in uu ku soo laabto lacagta la xiisaha 10 sano gudahood. TSZHZ Treaty bixisaa daynta nidaamka bixinta magdhowga.

Gudigga caymiska

Bank ayaa laga yaabaa in dib-u-iibin mortgage. Haddii aad bedesho milkiilaha amaahdaana u baahan tahay in isbeddel ah ee heshiiska caymiska dhigi. Askari Tani barto ka warqad rasmi ah ka bangiga. Ka dib markii la helo u wargalinta xili xadidan gudihiisa aad u baahan tahay si ay u yimaadaan si ay shirkadda caymiska iyo dib-u-saxiixo heshiiska.

Military Mortgage Sberbank, VTB

amaahdaana dooran kartaa hay'ad credit diiwaan gelinta heshiiska. Shuruudaha meel walba ku dhowaad isku mid ah:

- da'da ugu yar ee wax amaahdaana - 21;

- waqtiga la dhameeyo serviceman qandaraas waa in ay ka yar 46 sano jir.

Farqiga been dulsaarka iyo lacagta ugu badan laga heli karo gudaha "Military Mortgage". Savings Bank siisaa macaamiisha ay la deynta at 10-12% sannadkii muddo 20 sano ah, ku xiran tahay lacagta 10% hoos u. lacagta ugu badan - 2.17 million rubles. On ku salaysan xaaladaha ku qeexan, da ugu badan ee wax amaahdaana waqtiga saxiixa dukumentigan waa 25 sano jir ah. Faa'iidada weyn ee nidaamka this - lacag yar oo loo isticmaalin lacagaha amaahatay. In la barbardhigo, dulsaarka on barnaamij kasta oo deyn kale Sberbank bilaabataa calaamad of 12%. askari Credit VTB siinayaa ilaa 14 sano ee 12.5% sannadkii. amaahdaana waa inay bixiyaan ugu yaraan 20% ka mid ah qarashka guriga sidii hormaris ah. lacagta amaah ugu badnaan - 1.9 million rubles.

Waxa aad u baahan tahay inaad ogaato in bangiga?

Weydii shaqaalaha hay'ad maaliyadeed macluumaadka soo socda:

• xadka Loan;

• liiska waraaqaha layska rabo;

• sheegashada deyn ayaa si ay u bartaan goobta,

• Liiska hawlgalayaasha aqoonsan AHML, in ay dhacdo iibsato guri ku yaal suuqa hoose.

muhiim ma aha in ay lacag ku wareejiso ka soo xisaabiyo in taariikhda ansixinta hay'ad credit hantida kaydka ah. Ma aha xaqiiqada ah in iibiyaha u baahnaan doonaa inuu ku soo laabto deebaajiga haddii bangiga diidi doonaan in ay soo saaraan si amaah ah.

guryaha iibsaday noqonayaa hantida askari ka waraaqaha diiwaan gelinta. Laakiin xaq u Wakiil ah iyaga ka mid ah waa xaddidan, maadaama ay tahay damaanad ah oo amaah ah ku soo laabtay. Milkiilaha ma awoodi doonaan in ay iska iibiso hantida guurtada ilaa aad si buuxda u bixiyo deynta lagu leeyahay bangiga.

Dhowr Gudigga more

1. qaybgale NIS deggan laga yaabaa in guryaha iibsaday, waxay (ku xiran helitaanka ogolaansho ka FSI "Rosvoenipoteka") kiraysan.

2. adeegayaashoodda xaq u leedahay in laga jaro canshuurta. lacag celis waxaa laga dhigi doonaa in ka badan TSZHZ, iyo sidoo kale kharashaadka ku dhameysteen oo design ka mid ah guryaha in dhismaha cusub. jaro waa suurto gal, ilaa inta qiimaha guud kama badna 2 million rubles.

gunaanad

TSZHZ askari - xaqiijinta loobahanyahay macmiilka, waxaa macquul ah in ay soo iibsato guri dabaq ah in qaab amaah ah ku eego wanaagsan. 3 sano oo ka qayb NIS dib u codsan kartaa shahaadada. On ku salaysan dukumentigan, Bank xisaabi lacagta ugu badan ee amaahda. Markaas waxaad bilaabi kartaa inaad raadiso hindisaha gaar ah oo ku saabsan suuqa. xaaladaha Mortgage waa sida soo socota: deymaha bixiyo boqolkiiba ahaaneed (10-12.5%) ilaa 20 sano. Inta ay u ururay ee barnaamijka waxaa loo isticmaalaa bixinta ka hor, ka dibna si bixinta ee qayb ka mid ah lacagta bil kasta. 20 sano ka qayb lacag NIS ka dib wuxuu noqon karaa mid soo qaado lacag caddaan ah.