Dýisenbi, 1 Nauryz 2021
1359 0 pikir 25 Qantar, 2021 saghat 12:00

Zeynetaqy aqshasyn túrghyn ýige qalay alugha bolady?

Qazaqstanda birjolghy zeynetaqy tólemderin túrghyn ýy jaghdayyn jaqsartu ýshin paydalanu qaghidalary kýshine endi. Búl turaly  «Otbasy bank» túrghyn ýy qúrylys jinaq banki» AQ mәlimdedi. 

«2021 jyldyng 23 qantarynan bastap Birynghay jinaqtaushy zeynetaqy qorynan tólenetin birjolghy zeynetaqy tólemderin paydalanugha ótinish tapsyra alatyn arnayy onlayn platformany iske qosyldy»-, dep habarlady bank ókilderi.

Bank mәlimetinshe, birjolghy zeynetaqy tólemderin Qazaqstan Respublikasynyng aumaghynda túrghyn ýy jaghdaylaryn jaqsartu ýshin mynaday maqsattargha paydalanugha jol beriledi:

1. Islam bankining qarjylandyruy shenberinde túrghyn ýidi satyp alu, islam bankining túrghyn ýy satyp alu jónindegi mәmileni qarjylandyruy shenberinde bereshekti ishinara, tolyq óteu. Siz kez kelgen bankten nemese ipotekalyq kompaniyadan alynghan túrghyn ýiding nemese bankting bir nesiyelik kelisimsharty shenberinde jóndeu jýrgize otyryp túrghyn ýy alu qaryzdary boyynsha beresheginizdi ishinara nemese tolyq ótey alasyz. Sonday-aq, siz túrghyn ýy qúrylys jinaq jýiesi boyynsha jeke túrghyn ýy nemese jeke qosalqy sharuashylyq salu ýshin jer telimin aludy qosa alghandaghy nesiyeni tóley alasyz.

2. Ipotekasyz túrghyn ýy alu (tolyq óteu). Siz pәter, jeke ýi, jataqhanadan bólme satyp ala alasyz. Túrghyn ýidi bastapqy nemese qaytalama naryqta, sonday-aq salynyp jatqan nysandardan QR zannamasyna sәikes, túrghyn ýy qúrylysyna ýlestik qatysu turaly kepildigi bar, jekeshelendiru, bólip tóleu, aiyrbastau sharttary boyynsha kóp pәterli túrghyn ýidegi ýlesti beru turaly kelisimshart arqyly satyp alugha bolady. Osy maqsatta túrghyn ýidi zeynetaqy jinaqtary esebinen de, zeynetaqy men jeke qarajat esebinen de satyp alugha bolady.

3. Otbasy bankinde túrghyn ýy qúrylys jinaq jýiesi boyynsha ipotekalyq túrghyn ýy zaymyn alu. Siz pәter, jeke ýi, jataqhanadan bólme satyp ala alasyz. Túrghyn ýidi bastapqy nemese qaytalama naryqtan satyp alugha bolady. Sonday-aq, bankting bir nesie sharty shenberinde jóndeu júmystaryn qosa eseptegende túrghyn ýy satyp alugha nemese jeke túrghyn ýy salugha bolady (jeke túrghyn ýy salu nemese jeke qosalqy sharuashylyq salu maqsattarymen jer uchaskesin qosa alghanda).

4. Ipotekalyq nesie alu ýshin bastapqy jarna tóleu (onyng ishinde islam banki qarjylandyru shenberinde). Siz pәter, jeke ýi, jataqhanadan bólme satyp ala alasyz. Túrghyn ýidi bastapqy nemese qaytalama naryqtan alugha bolady. Sonday-aq, bankting bir nesie sharty ayasynda siz jóndeu júmystaryn qosa eseptegende túrghyn ýy satyp ala alasyz.

5. Túrghyn ýy qúrylysy baghdarlamalary men daghdarysqa qarsy baghdarlamalar shenberinde berilgen satyp alu qúqyghymen túrghyn ýidi úzaq merzimdi jaldau sharttary boyynsha bereshekti ishinara nemese tolyq óteu.

6. Jeke túrghyn ýy qúrylysy (jer uchaskesin aludy qosa eseptegende). Siz zeynetaqy jinaqtary esebinen nemese zeynetaqy jinaqtary jәne óz qarajatynyz esebinen jeke túrghyn ýy saluynyzgha bolady (jeke túrghyn ýy salu nemese jeke qosalqy sharuashylyq salu maqsattarymen jer uchaskesin qosa alghanda).

7. Ipotekalyq túrghyn ýy zaemyn qayta qarjylandyru. Basqa bankterden túrghyn ýy satyp alugha (jóndeu júmystaryn qosa eseptegende), jeke túrghyn ýy qúrylysyna (jer uchaskesin qosa eseptegende) arnalghan ipotekalyq nesiyelerdi «Otbasy bankinde» qayta qarjylandyrugha bolady.

Ótinish bermesten búryn, qoldanylu merzimi ayaqtalmaghan, qyzmet alugha jaramdy elektrondyq sifrlyq qoltanba (ESQ) bolu qajet. Zeynetaqy jinaqtarynyng qoljetimdi kólemin QR BJZQ portalynan naqtylaugha bolady.

Túrghyn ýy jaghdayyn jaqsartugha jәne (nemese) emdelu aqysyn tóleuge arnalghan birjolghy zeynetaqy tólemderin erejelerde belgilengen әr týrli maqsattargha shekteusiz ret paydalanugha bolady.

Operatordyng internet-resursynda ESQ nemese basqa elektrondy qúraldar arqyly avtorizasiyadan ótu qajet. Ózinizding jeke kabiynetinizdi ashyp, arnayy shotqa ótinish beriniz.

Sonday-aq, bank ókilderi qarajat jiti qorghalatynyn mәlimdedi. Al, aqshany ótinish berushining basqa qaryzdyq mindettemeleri boyynsha óndirip alu mýmkin emes.

- «Birjolghy zeynetaqy tólemderin túrghyn ýy jaghdayyn jaqsartu jәne (nemese) emdelu aqysyn tóleu maqsattaryna qoldanudy kózdep otyrghan BJZQ salymshylary 13 qantardan bastap «Otbasy bankinde» onlayn rejimde aghymdaghy arnayy shot ashyp jatyr. Býgingi kýnning ózinde Bankte 57 000 astam arnayy shot ashyldy»,- dedi «Otbasy Bank» AQ Basqarma tórayymy Lәzzat Ibragimova.

Erejening tolyq mәtinimen http://zan.gov.kz/client/#!/doc/152361/kaz siltemesi boyynsha tanysugha bolady.

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