Nā ki te taumata iti o te whare noho pāpori, me te puhoi rawa ki te whakarite i te rawakore, me te tatari i te hoko whare, ka anga te kāwanatanga te hōtaka o te tautoko pūtea mō ngā whānau ki te hoko o whaitua. Āpiti atu ki te taea o te moni i "whakawhānau whakapaipai" ka riro he whakataunga pupirikana, taea inaianei kaihoko whakarite moni mo whare.
Hei kitea i roto i te mea ko te mokete ki te tautoko kāwanatanga, me te aha ngā kāwai o te mau utuafare e nehenehe e tatau i runga i te āwhina e hiahiatia ana ki te tono ki te mana whakahaere ā-rohe. He kia hoki kia whakaratohia ki te huinga e tika ana o ngā tuhinga mō te tiwhikete rēhita mo te kai o moni: he tono, uruwhenua, tiwhikete te faaipoiporaa, tuhinga e whakau i te hiahia ki te whakapai ake tikanga ora, me etahi atu. He rite ki te moni ki runga ki te 40% o te utu o te whare te āhua (ki te te hoko mā te whakamahi i te "Mortgage ki te tautoko kāwanatanga" hōtaka).
E kore e te parau mau titiro pera rosy. Tuatahi, he mea e tika ana ki te whiwhi mohio moni ki te whānau i rite te whakarewa. I muri i mokete katoa ki te tautoko kāwanatanga whakarato reira e te toenga o te utu o te whare "pūtau o te hapori" ka utu i ona ake moni. Tuarua, ka tātai i te nui o te moni tāpiri e whakamahia ana e rua tohu: te uara o te wāhi ia tangata (whakaturia wā i 18 mita pūrua mo te hapu o toru) me te utu toharite o 1 sq.m. ora wāhi noho i roto i Russia.
Ko reira mārama e te anake i roto i te tikanga ki te whakaora moni tūmatanui whakatikaia te whakamahi o te ahua muri, no te mea he tekau nga wa kino te utu o te whare i roto i Moscow, me i te kainga i runga i te Arctic Circle. Ko te kupu, Mortgage ki te tautoko kāwanatanga taea e painga, engari he kāwai o te taupori i te mea e taea ki te hoko i te whare i roto i te pa nui, me te kahore te whai wāhi o tetahi moni, mai ka waiho i te nui tūturu o te utu i te 40%, me te 10-15 anake% anake ( ka hoko te fare i roto i te pa).
I roto i pareparenga Russian katoa anake "VTB 24" mahi i runga i tenei hōtaka me te "Tiaki Bank". Mortgage ki te tautoko kāwanatanga i roto i enei whakahaere whakarato taurewa o runga ki te 80% o te utu o te whare (i homai e ko maha te nui tūturu o moni iti iho i te 20%, ko reira mārama e wahi o te utu ki raro, ano i te whānau ki te whakaemi). auau tuku ko 11%, wā - ki runga ki te 30 tau. Ano, homai te nama kei te te whai wāhi ki te whakamahi i te whakapaipai whare kōhanga ki te utu atu, me te whiwhi he whakataunga tāke mo te moni utua.
Whiwhi te tikanga e te tiwhikete mo te moni he marama torutoru, rite ka te tono kia whakaaro i roto i te tinana whakahaere i ngā taumata katoa. Hoatu utu whare hua marama i roto i te pa nui, ka taea e tatou te mea ki te māia e i roto i te mākete hoko whare o tenei ra, me te mā te whakamahi i te utu toharite mō te whare i roto i ngā whakataunga, mōkete ki te tautoko kāwanatanga tata e kore e hanga tikanga.