Hurumende yehurongwa purogiramu yemhuri yevechidiki

Parizvino, nzvimbo inonyanya kukosha yenheyo yenyika ndeyokugadzirisa dambudziko reimba uye kupa rubatsiro kune vechidiki avo vachangobva kuroora uye vanoda nzvimbo yekugara. Hurumende yakagadzirira kupa hupfumi huzhinji hwemhuri kumhuri mitsva, iyo inogona kushandiswa kuita mupiro wekubhadhara chikwereti pane mari inowanikwa kana kubhadhara mari shoma yehumba iri kuvakwa.

Nyika iri kusimbisa mapurogiramu akasiyana-siyana inotarisirwa kutsigira mhuri dzechidiki. Inopa mukana wemhuri dzine urombo kuti dziwane dzimba dzavo, dzichaita kuti zvive zvakanaka zvekugara, pamwe nekuberekwa nekurera mwana. Izvo zviyero zvehutano zvinotsigira hutano huchangobva kuitwa hunosimbiswa nemitemo mumapurogiramu chaiwo, pakati pavo inonyanyozivikanwa ndiyo chirongwa cheimba yevana vaduku. Yakagamuchirwa maererano nehuwandu hwemamiriro ezvinhu evanhu munyika uye inotarisirwa kuwedzera huwandu hwehurumende.

Mamiriro ezvinhu ekuwana

Hasi mhuri dzose dzinogona kutora chikamu muhurongwa hwehumba. Mhuri chete inowira pasi pemamwe mamiriro ezvinhu inogona kugamuchira kutsigirwa kwenyika. Purogiramu yezvokugara "Mhuri Yechiduku" inopa zvirevo zvinotevera zvekuwana kodzero yekubatsira rubatsiro:

1. Zera remumwe nemudzimai harifaniri kudarika makore makumi matatu namashanu.
2. Mumhuri mitsva panofanira kunge iri nguva dzose yekuwana mari yekubhadhara mari yekubhadhara nyika. Asi pano pangave nekuunganidza kune kutenga imba.
3. Kugamuchira rubatsiro rwehurumende, mhuri yevechidiki inofanira kuva nechiitiko chekuda kuwana nzvimbo yekugara.

Kana mitemo isati yasangana, hurumende ine kodzero yekuramba kupa ruzivo rwemhuri kuvana vaduku.

"Mhuri Yechiduku" chirongwa chenyika yeRussia

Purogiramu yehupfumi yehurumende "Mhuri Yechidiki" yakagamuchirwa muna 2011-2016 nemurairo weHurumende yeRussian Federation. Muna 2016, yakawedzerwa kusvika muna 2020.

Izvi zvinobvumira kugadzirisa dambudziko racho nehuwandu hwenyika, pamwe nemamwe mabasa:

• Kugadzirisa zvinetso zvevanhu muRussia Federation.
• Kuderedza kushungurudzika kwevanhu.
• Batsira mhuri duku dziine dzimba nedzimba.
• Kuita zvekutenga chikwereti.

Kwechiitiko ichi, zvakarongwa kupa dzimba dzemhuri dzinenge 170 mamiriyoni, asi dzichishandisa mabhiriyoni 320 mabhiriyoni emari yebhajheji.

Purogiramu yekuchengetedza dzimba yemhuri duku Anofunga nezvekugoverana kwekugovera mari yehurumende:

• Mhuri isina vana inopiwa 35% rubatsiro. Iko mari shoma yemhuri yevechidiki, iyo uhu hwayo hahupfuuri vanhu 2, inofanirwa kunge inenge 21 000 rubles. Mishongedzo munyaya iyi inenge mazana zviuru makumi matanhatu zveRubles.
• Mhuri nevana vakatova ne40% rubatsiro. Mari inoshandiswa yemhuri yemhuri 3 inofanirwa kunge iine mabhiriyoni makumi matatu nemazana makumi maviri nemakumi matatu ehuruble, uye inosanganisira 4 - kwete pasi makumi matatu nemazana makumi matatu.

Paunenge uchitora kana kubereka mumwe mwana, imwezve rubatsiro 5% inopiwa.

Imwe hurongwa hwehupfumi hwehurumende "Mhuri Yechidiki" inopa rubatsiro rwemhuri huru. Zvichienderana nenzvimbo yekugara, humwe rubatsiro rwekunyama runopiwa, iyo, pamwe chete nedzimwe nhanho, inoshumira semubatsiro wakabatana wemhuri mhuri.

Purogiramu yezvokugara "Mhuri mitsva - dzimba dzinodhura"

Imwe purogiramu yehurumende ndeye "Mhuri Yechidiki - Dzimba Dzakawedzerwa". Yakagamuchirwa kuti ive nechokwadi chekugadzirisa kwemabasa anotevera:

• Kuwedzera kunyaradzwa kweimba.
• Kuumbwa kwehupfumi-yekodhi yemisika yemuRussia.
• Kuvandudza hutano hwehupenyu munyika.

Iyi purogiramu inogadzira purojekiti yenyika yose "Inotengeswa uye Inochengetedza dzimba yeRussia Citizens".

Pasi pechirongwa "Mhuri Yechiduku - Imba Yakabhadhara" inonzwisiswa sekupa rubatsiro pakutenga nzvimbo yekugara. Purogiramu yakashandiswa munguva kubva kubva muna 2011 kusvikira muna 2016. Pakupera kwa2016, purogiramu iyi yakawedzerwa kune mamwe mwedzi 48, iyo yakazosvikira pakuguma kwe2020.

Panharaunda yepamatunhu, pane chirongwa chakagadzirirwa chinonzi "Kugovera zvekugara kwevana vechidiki". Inobatsira mhuri dzinotora mari shoma kuti dziwane kana kuti zvishoma nezvishoma kubhadhara kubhadhara chikwereti chekwereti.

Mutemo unoshandawo kumaruwa. Nekubatsirwa kwaro, vagari vomunharaunda vanogona kuvimba nekuvandudza mararamiro evemhuri mhuri vanogara kunze kwemaguta; Kugadziriswa kwevagari vomunharaunda vashoma vane dzimba dzinodhura.

Zvinhu zvakasiyana

Mapurogiramu maviri aya akafanana uye akafanirwa kuvandudza hutano hwemamiriro emhuri yevechidiki mhuri. Zvisinei, mapurogiramu aya anozivikanwa nechinhu chiduku chakasiyana, pane zvakakosha kubhadhara zvakanyanya kune wese anoronga kutora chikamu.

Purogiramu ye "Mhuri Yechiduku", kusiyana neurongwa hwe "Mhuri Yechidiki - Imari Yakabhadhara", inoratidzwa nemamwe mimwe mamiriro ezvinhu. Pamusoro pe "Mhuri Yechiduku" chimwe chezvinhu zvinotenderwa ndezvekuvapo kwe mwana. Izvi zvichishandura zvinomirirwa zvinodiwa zvekuva vagari vevabereki. Saka, purogiramu inoti "Mhuri Yechiduku - Imari Yakabhadhara" kune vanhu vakaroorana, kana vachiisa chikumbiro, zvakakosha kupa zvinyorwa zvinotsigira kuti avo vakakumbira vagari veRussia Federation. Pamusangano we "Mhuri Yechiduku", kana paine mwana mumwe chete, hurumende yeRussia inofanira kunge iripo kune mumwe wevabereki.

Zvinyorwa zvinodiwa

Kuti uwane mari yekubhadhara mari, iyo inopa purogiramu yeimba yevechidiki mhuri, munhu wose anofanira kuisa magwaro anodiwa kuhutungamiri hwenzvimbo yekugara. Runyorwa rwemashoko:

• Makopi maviri ezvokubhadhara.
• Chimwe chirevo chinoratidza kuroorana.
• Kopi dzepasports dzevakaroorana.
• Chiratidzo chinosimbisa mamiriro emhuri semurombo.
• Mashoko pamusoro pemari yakagamuchirwa.
• Zvibvumirano pamusoro pezvikwereti nemari inotora mari.
• Zvinyorwa zvemukomana, kana chero (ikopi yesiti yekuberekwa).

Kana kubhadharwa kweimba kuri kushandiswa kubhadhara chikwereti chekutenga chikwereti, uyezve kuwedzera iwe unofanirwa kupa zvivimbiso zvinotevera:

• Kopi yemvumo yebhangi apo chikwereti chakapiwa.
• Dhiyabhorosi pamusoro pekodzero yekugara kwehugaro, kuva mubhadharo.
• Rubatsiro kubva kubhangi pachiyero chechikwereti.

Chii chandingashandisa kubhadhara?

Mari yekubhadhara inopiwa nehurumende kuimba yemhuri mitsva inogona kushandiswa chete pane zvinotevera:

• Kutenga dzimba yeimba yekugara.
• Kuvaka imba yako yega yega.
• Kubhadhara chikwereti chemari.
• Kubhadharwa kwebasa rekunyora kwedzidzi weimba yekugara muHBC.

Makomborero epurogiramu yeimba

Purogiramu yehurumende yehurumende yevechidiki mhuri inobatsira zvakasiyana siyana:

• Kukurumidza kuwana kutenga dzimba.
• Low interest rate.
• Mortgage kuchengetedzwa uye inshuwarisi yengozi.
• Kunyora kunotsvaga panzvimbo yekugara.

Kukanganiswa kwehurongwa hwehumba

Asi pamwe chete nezvibatsiro, chirongwa cheimba yevechidiki mhuri ine zvimwe zvinetso:

• Nhamba huru yevatori vechikamu, izvo zvinowedzera rutivi uye nguva yekumirira.
• Purogiramu yakagadzirirwa mhuri dzine mari yakaoma.
• Nzira inotungamirirwa nayo purogiramu iyi ndeyekuvakwa kweimba yepakati peimba.
• Mwedzi unobhadhara pamatokwereti emari.
• Chikwereti chinokwana chikwereti
• Pamberi pekubhadharwa kwematokari, muridzi wemba ndiyo nyika.

Matarisiro ekufambisa

Kutanga muna 2016, yakanga yakarongeka kuunza mamwe matanho ekutsigira nekukurudzira mhuri dziri kuumba.

Bhiri rinokosha rakatogadzirirwa, izvo zvarinowanika pa webhusaiti yepamutemo yeHurumende Duma. Iine zvinhu zvinotevera:

1. Chikwereti chisingabhadhari chikwereti chekutengesa pfuma.
2. Kubhadhara kwekuvakwa kana kutenga imba, iyo 25-45% yemavhareji mari.
3. Kubhadhara mari yekubhadhara mari yemari pakuberekwa kwomumwe mwana.
4. Kuwedzera kwezera revakaroorana.
5. Kupedza chikamu chiduku chemari yekusingaperi yekugamuchira rubatsiro.
6. Wedzera hutengo hwekutengesa humba kusvika kumamiriyoni maviri emabhururi.

Panguva iyo basa riri pasi pekufungidzirwa muHurumende Duma. Saka, muna 2017, zvichida, tinofanira kutarisira mapurogiramu matsva emagariro ehutano hwemhuri.

Ndezvipi kuchinja kunotarisirwa muna 2017

Gore negore, kutanga muna 2011, pane kuchinja kwezvirongwa zvehumba zvinotarirwa kuvandudza nekugadzirisa kubvuma rubatsiro.

Kusiyana muna 2016, purogiramu yeimba yevechidiki mhuri, yakagadzirirwa 2017, inopa kuchinja kunotevera:

• Chokutanga, chikamu chemari yekutenga kubva kuhurumende ichawedzera. Kana muna 2016, zvikwereti zvaive makumi matatu nemakumi matatu emhuri dzisina mwana, uye dzemhuri dzine mwana - 35%, uye muna 2017 dzakawedzera munyaya yekutanga kusvika 35%, uye muchipiri - kusvika 40%.
• Chechipiri, kuchava nekuwedzera mumutsara wemunhu wese wemhuri.