Elbasy Núrsúltan Nazarbaev bir jyl búryn Preziydentting bes әleumettik bastamasy dep atalatyn ýndeu jariyalaghan bolatyn. Ondaghy baspana alu men júmysshylar jalaqysyn kóteru, bilim aludyng qoljetimdiligin arttyru men shaghyn nesie berudi kóbeytu jәne eldi gazben qamtamasyz etu syndy әr bastama halyq tarapynan ýlken qoldaugha ie boldy.

Ásirese, atalghan bastamadaghy túrghyn ýige qoljetimdilikti arttyru boyynsha әr ónirde irgeli ister atqaryldy. Qazaqstan Respublikasy Industriya jәne infraqúrylymdyq damu ministrliginin  mәlimetinshe, 2018 jyly Qazaqstanda 12,5 mln.sharshy metr túrghyn ýy paydalanugha berilgen. Búl degenimiz 113 mynnan astam otbasy túrghyn ýy jaghdayyn jaqsartty degen sóz. Ministrlikting sózine sensek, byltyr túrghyn ýilerdi paydalanugha beru respublikanyng barlyq ónirinde artqan. Mәselen, Manghystauda – 1,4 ese, Atyrau, Jambyl, Týrkistan oblystarynda 1,2 eseden joghary bolghan.

Biyl da Elbasynyng «7-20-25» baghdarlamasy boyynsha birqatar  sharalar atqarylyp jatyr. Búl turaly QR Últtyq Bank Basqarmasy mәlimdedi. Últtyq bank mәlimetinshe, 2018 jylghy 31 mamyrdaghy № 107 qaulysy negizinde túrghyn ýy kreditteu baghdarlamasy bekitilgen.

Baghdarlama memleket basshynyng tapsyrmalaryn iske asyru maqsatynda әzirlendi. Jәne birneshe talaptar boyynsha ipotekalyq túrghyn ýy kreditteudi kózdeydi. Yaghni, jyldyq siyaqy mólsherleme - 7%, bastapqy jarna - 20%, qaryz merzimi – 25 jylgha deyin.

Búl baghdarlamagha negizinen qaryzdy kәsipkerlik jәne (nemese) enbek qyzmetinen tabys alatyn, sonday-aq menshik qúqyghynda baspana iyelenbeytin kez kelgen Qazaqstan azamaty ala alady.

Al, «7-20-25» baghdarlamasynyng avtorlary túrghyn ýiding qúnyn qalay anyqtady?

Ipotekalyq kreditterdi bekitudegi negizgi faktorlar tólem qabilettiligi men túraqty tabysy bolyp tabylady. Qazirgi uaqytta banktik úiymdar qosymsha kriyteriylerdi óndeydi. Kriyteriylerdi odan әri qataytu joqqa shygharylmaydy. Búl túrghyn ýy satyp aludy qajet etetin adamdargha (tabysy az, túrmysy nashar otbasylar, jas otbasylar jәne t.b.) azamattar kepildikke ie boluy ýshin qajet. Ýshinshi pәterdi talap etetin tabys dengeyi joghary azamattar artyqshylyqty baghdarlamany paydalana almaydy.

Satyp alynatyn túrghyn ýiding eng joghary qúny:

-Núr-Súltan, Almaty qalalary men olardyng Qazaqstan Respublikasynyng zannamasymen belgilengen shekaralar shegindegi qala many aimaqtary, Aqtau, Atyrau, Shymkent ýshin 25 mln tenge

-Basqa ónirler ýshin – 15 mln tenge

Qaryzdyng eng joghary somasy:

-Kepildik qamtamasyz etu qúnynyng 80 %

Jeke túlgha Baghdarlama boyynsha qaryz alu ýshin mynaday talaptargha sәikes keluge tiyis:

1.Bankting qalauy boyynsha myna qújattyng bireuimen:

- birynghay jinaqtaushy zeynetaqy qorynyng jeke zeynetaqy shotynan songhy alty aidaghy ýzindi-kóshirmesimen;

- júmys ornynan songhy alty aidaghy kiristeri turaly anyqtamamen;

- qaryz alushy-jeke túlghanyng songhy salyq kezeni ýshin jeke tabys salyghy boyynsha salyq deklarasiyasymen;

- bankting ishki qújattaryna sәikes ipotekalyq túrghyn ýy qaryzy sharty boyynsha qaryz alushynyng mindettemelerin oryndau mýmkindigining boluyn kórsetetin ózge de qújattarmen rastalghan enbek jәne (nemese) kәsipkerlik qyzmetten alynatyn kirisining boluy;

1.Kredittik buronyng kredittik esebimen rastalghan baghdarlama boyynsha ipotekalyq túrghyn ýy qaryzdary jәne ózge de ipotekalyq túrghyn ýy qaryzdary boyynsha ótelmegen bereshekting bolmauy;

2.Kelesini qospaghanda Qazaqstan Respublikasynyng aumaghynda Qúqyqtyq kadastr mәlimetterimen rastalghan menshik qúqyghyndaghy túrghyn ýiding bolmauy:

- әrbir otbasy mýshesine paydaly alany 15 sharshy metrden kem jataqhanalarda bólmelerding boluy;

- Qazaqstan Respublikasynyng zannamasynda belgilengen tәrtippen avariyalyq dep tanylghan túrghyn ýi.

Abai.kz