Хавханд буй үнэгүй бяслаг буюу ТАВ, НАЙМАН хувийн хүүтэй ИПОТЕКИЙН ЗЭЭЛ

olloo_mn_1431311697_ipotek“Үнэгүй бяслаг зөвхөн хавханд л байдаг” гэсэн үг бий. Арилжааны банкуудын орон сууцны ипотекийн зээлийн бодит хүү нь одоогоор 21-22 хувьтай тэнцэж байна. Харин бодит байдал дээр үүнээс харьцангуй хямд буюу найман хувийн хүүтэй зээлийг 2013 оны зургаадугаар сараас хойш 78 мянга орчим өрх авчихаад байна.

Улстөрийн шийдлийн үүднээс харвал төрөөс ипотекийн зээлийн хүүг тав, найман хувиар нь олгож, зөрүүг Монголбанк эх үүсвэрээсээ гаргасаар байж болох ч эдийн засгийн нөхцөл байдлаа харвал энэ арга удаан оршин тогтнохгүйг эдийн засагчид сануулж байна. Нөгөө талаас 30 хувийн урьдчилгаагаа төлж найман хувийн хүүтэй орон сууцны зээл авах чадамжтай иргэдийн тоо ханасан болохыг зарим компанийн төлөөлөл хэлсэн. Орон сууцны зээлдэгчийн тоо 2010 оноос хойш тав дахин өсчээ. МИК-ийн мэдээлж байгаагаар, ипотекийн найман хувийн хүүтэй зээлийг 2013 оны зургаадугаар сард олгож эхэлснээс хойш 78000 орчим өрх авчээ. Нэг өрх дунджаар 49 сая төгрөгийн зээлийг 16.6 жилийн хугацаатайгаар авсан байна.

Хөдөлмөрийн зах зээл хумигдаж, иргэдийн худалдан авах чадвар муудаж байгаагаас зээлийн эргэн төлөлт ч хүндэрч эхэлжээ. ҮСХ-ны эхний гурван сарын статистикаар, банкны системийн нийт зээлийн 43 хувийг дан барилгын салбар эзэлж байгаа бол хугацаа хэтэрсэн зээл энэ оны эхний улирлын байдлаар өмнөх оны мөн үеэс 72.9 хувь, чанаргүй зээл нь 37.7 хувиар өссөн байна. Түүнчлэн чанаргүй зээлд иргэдийн авсан зээлийн эзлэх хувь жил дараалан өсөх хандлага ажиглагдаж эхэллээ. Тодруулбал, энэ тоо 2014 онд 10.3, 2015 онд 14.3 хувьтай дүйж байсан бол энэ оны эхний гурван сарын байдлаар чанаргүй зээлд иргэдийн зээлийн эзлэх хувь 15 хувьтай тэнцээд байна. Ойрын 3-4 жилд эдийн засаг сэргэх хандлага ажиглагдахгүй болохыг эдийн засагчид хэлж байгаа. Тэгэхээр үл хөдлөх хөрөнгийн зах зээлийн борлуулалт өсөхгүй, зогсонги байдал улам даамжирч, барилгын компаниуд төлж чадахгүйд хүрэх магадлал байна гэсэн үг.

Хэрэв ийм нөхцөлд тулбал компаниудын барилгыг банкууд нь хурааж аваад зах зээлийн үнийг нь 40 хүртэлх хувиар унагаж зарах нөхцөл үүсэх магадлалтайг эдийн засагч Д.Жаргалсайхан нийтлэлдээ онцолжээ. “Улс төрийн агуулгатай бодлого яваад байгаа болохоор сонгуулийн өмнө барилгын салбарын асуудалд шийдэл гаргахад хэцүү. Сонгуулийн дараа барилгын компаниуд, банкны төлөөллийг нэгтгэж байгаа энэ асуудлыг ярилцаж, шийдэл олох хэрэгтэй” хэмээн үзэж буйгаа зарим компанийн төлөөлөл онцолсон. Нөгөө талаас иргэдэд тав, найман хувийн хүүтэй зээлээ үргэлжүүлэн хадгалж авч үлдэх үү гэсэн асуулт гарч ирнэ. Монголбанкнаас өнгөрсөн сарын 22-ны байдлаар гаргасан статистикаар, 4479 иргэнд 267.4 тэрбум төгрөгийн зээлийн хүсэлтийг хүлээн авч, 1205 иргэнд таван хувийн хүүтэй 56.6 тэрбум төгрөг, 2548 иргэнд 169.7 тэрбумын зээл олгогдоод байна. Түүнчлэн Нийслэлийн гэр хорооллын төлөвлөлтөд хамрагдах болон Багахангай, Багануур, Налайх зэрэг шинэ суурьшлын бүс, 21 аймагт орон сууц худалдан авсан зээлийн хүүг наймаас таван хувьд шилжүүлжээ.

АНУ 2000 оноос бага орлоготой иргэдийг хувийн орон сууцтай болгох урт хугацааны хөнгөлттэй зээлийн хөтөлбөрийг хэрэгжүүлж эхэлсэн нь 2009 оны дэлхийн эдийн засгийн хямралыг үүсгэх шалтгаан болсон байдаг. АНУ-д 2007 оны сүүлч 2008 оны эхээр өрхүүд зээлээр авсан байрныхаа сарын төлбөрийг хийж чадахаа больж, банкуудад буцаан өгсөн нь үнийг давхар унагахад нөлөөлсөн. 2009 оны дөрөвдүгээр сар гэхэд АНУ-д хувийн орон сууцны мөнгөн үнэлгээ гуравны нэгээр унасан нь орон сууц эзэмшигчдийн хөрөнгийг даруй зургаан триллион ам.доллараар багасгаж байжээ. Цаашлаад иргэд нь дунжаар 300 мянган ам.долларын өртөгтэй долоон сая байшингийн төлбөр хийж чадахаа больсон нь банк, санхүүгийн системд нь 2.1 триллион ам.долларын алдагдлыг бий болгосон. Дээр нь иргэдийн эргэн төлж дийлэхээ больсон зээлийн картны өр, оюутны сургалтын төлбөр, машины зээлийн төлбөр нийлээд 10-12 триллион ам.долларын алдагдал дагуулсан нь дэлхийн санхүүгийн хямралыг үүсгэх эхийг тавьж байсан. Бидэнд энэ хэмжээний том хохирол учрахгүй ч барилгын салбарт гацсан их хэмжээний хөрөнгө банкны системд сөргөөр нөлөөлж, чанаргүй зээл бий болох эрсдэл бийг эдийн засагчид сануулж байна. Дээр нь банкны системийн чанаргүй, хугацаа хэтэрсэн зээл 2009 оны хямралын үеийг даваад буй банк санхүүгийн салбарт анхааруулгын дохио өгч байна.

Тэг цэгт очих дөхөөд буй орон сууцны зах зээлийг хөдөлгөхийн тулд ямар бодлого хэрэгжүүлэх шаардлагатайг зарим компанийн төлөөллөөс тодрууллаа.

КОМПАНИУДАД ХӨРӨНГИЙН ДЭМЖЛЭГ ЧУХАЛ БАЙНА Н.ДУДААРИЙ
(Барилгын зураг төсөл, угсралтын “Кон инженерс” ХХК-ийн ерөнхий инженер)
-Дагуул хотууд болон сум орон нутагт шинэ суурьшлын бүс байгуулах ажлыг төрөөс дэмжих хэрэгтэй. Шинээр авсан газар дээрээ орон сууц барихад шаарддагатай хөрөнгийн 20 хувийг компаниуд өөрсдөө гаргаж, үлдсэн хөрөнгийг банкны зээлээр шийдэх боломжийг нээх хэрэгтэй. Түүнчлэн улсын төсвийн хөрөнгө оруулалтаар барих барилгуудын санхүүжилтийг Сангийн яам жил бүрийн гуравдугаар сард багтаан шийдвэрлэж, барилгын ажлыг эхлүүлэх шаардлага үүсээд байна. Түүнчлэн банкууд барилга барих зориулалтаар олгож буй зээлд уян хатан хандаж, хүүг нь бууруулах, мөн зээлээ төгрөгөөр олгох хэрэгтэй.

ШИНЭ СУУРЬШЛЫН БҮСИЙГ БОДЛОГООР ДЭМЖИХ НЬ ХЯМРАЛААС ГАРАХ ГАРЦ Ч.БАТЦЭНГЭЛ
( Барилгын сургалт, хөгжлийн академийн гүйцэтгэх захирал) -Барилгын салбар, банкны салбарыг уналтаас гаргах гарц байна. Шинэ суурьшлын бүсийг дэмжих зорилгоор иргэд зуу зуугаараа нэгдэн орон сууцны хотхон байгуулах
санаачлагыг дэмжиж, хөгжүүлэх асуудлыг шийдэх нь хамгийн зөв гарц гэж би харж байна. Энэ нь барилгын салбараа ч дэмжинэ, банкны салбараа ч дэмжихэд цаг үеэ олсон алхам болно. Салбарын яам, банк, барилгын компаниуд, худалдан авагчид тойрч сууж байгаад гарцыг гаргах нь хамгийн зөв шийдэл юм.

БЭЛЭН СУУЦАА БОРЛУУЛАХ ГАРЦЫГ НИЙЛЖ ХАЙЯ Д.ЛХАГВАСҮРЭН (Барилгын цонх, хаалганы үйлдвэрийн захирал)

-Барилгын нийлүүлэлт нь эрэлтээсээ давсан өнөөгийн эдийн засгийн үед бэлэн болсон орон сууцаа борлуулах талаар ярилцах хэрэгтэй. Жишээ нь: урьдчилгаа 30 хувиа төлөөд орон сууцанд орох боломжтой иргэд, өрхүүд ихэнх нь ипотекийн зээлээр орон сууцаа авчихсан байгаа. Харин урьдчилгаа мөнгө нь бэлэн байхгүй иргэддээ урьдчилгаагүй иргэдэд илүү боломжтой уян хатан нөхцөлөөр зээл олговол орон сууцны борлуулалт нэмэгдэж, бизнес эрхлэгч дампуурахгүй байх нөхцөл бүрдэнэ. Бэлэн байгаа орон сууцаа борлуулах гарцыг нийлж эрмээр байна.

ОДОО ОЛГОЖ БУЙ ИПОТЕКИЙН ЗЭЭЛИЙН НӨХЦӨЛ
Орон сууц худалдан авах 30 хувийн урьдчилгаа мөнгөө төлсөн байхад 30 жилийн хугацаанд найм болон таван хувийн хүүтэй төлөх боломжтой. Тэгэхдээ гэр хорооллын дахин төлөвлөлт болон хотын захын хорооллуудад барьж буй орон сууцанд орсон бол таван хувийн хүүтэй зээл авах боломжтой юм. Ипотекийн зээлд хамрагдах нөхцөлийн талаар зарим банкнаас тодрууллаа.

ХУДАЛДАА ХӨГЖЛИЙН БАНК
Заасан журмаараа урьдчилгаа 30 хувиа төлөөд найм болон таван хувийн хүүтэй зээлд хамращах боломжтой. Найман хувийн хүүтэй зээлд хамрагдахдаа зээл авах бол орон сууцны талбайн нийт хэмжээ 80 ам метрээс дээшгүй байх ёстой бөгөөд зээлийн хугацаанд эд хөрөнгийн даатгалд хамрагдах ёстой. Мөн худалдан авч буй орон сууц нь таван хувийн хүүтэй ипотекийн зээлд хамрагдах байршлаас бусад байршилд байх. Харин таван хувийн хүүтэй зээлд хамрагдах иргэн банк, санхүүгийн байгууллагад хугацаа хэтэрсэн, чанаргүй зээлийн өрийн үлдэгдэлгүй, Шүүхийн шийдвэрийн дагуу төлөх өр төлбөргүй, зээлийн хугацаа дуустал холбогдох хууль тогтоомжийн дагуу даатгалд хамрагдсан байх ёстой.

“Зээлийн хүү (жилийн) 8 болон 5 хувь Хугацаа 15-30 жил хүртэл Урьдчилгаа 30 ба түүнээс дээш Зээлийн үйлчилгээний шимтгэл Зээлийн дүнгээс-0.5 хувь (50.000-300.000 төгрөг хүртэл)

ХААНБАНК
Ипотекийн найман хувийн зээлд хамрагдахын тулд урьдчилгаа 30 хувиа төлөх шаардлагатай. Төлбөр нь хүрэхгүй тохиолдолд 30 хувийг тэр чигээр нь болон урьдчилгаа төлбөрийн хүрэлцэхгүй байгаа хэсэгт өөрийн нэр дээр байгаа орон сууц барьцаалж болно. Урьдчилгаагаа бэлнээр төлж байгаа бол хаанаас хэрхэн олсноо баримтжуулах шаардлагатай. Мөн жилийн турш нийгмийн даатгал төлсөн байх бөгөөд цалингийн дундаж хэмжээг тогтоож, өрхийн өр, орлогын харьцаа татварын өмнөх орлогын 45 хувьтай тэнцэхүйц хэмжээгээр нь байрны зээлээ төлнө. Ингэхдээ үлдсэн нь хэрэгцээнд хүрэлцэхүйц хэмжээтэй бол зээлд шууд хамрагдаж болно. Гэсэн ч эрсдэл тооцох үүднээс гэр бүлийн аль нэг гишүүн хамтран зээлдэгч болох шаардлагатай. Хэрвээ өөрийн орлого хүрэлцэхгүй бол хамтран зээлдэгчийн орлоготой нэгтгэж тооцох боломжтой. Өөрөөр хэлбэл, зээлдэгчийн орлого хамтран зээлдэгчийн орлоготой нийлж тооцоолоод найман хувийн зээлд хамрагдах боломжтой гэсэн үг.

 

Ц.БААСАНСҮРЭН Б.УУГАНБАЯР /ҮНДЭСНИЙ ШУУДАН/


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