Ипотекээс “Хуульчлагдсан дээрэм”-ийг хасъя

-15032014-1394864341-774660654-barilga_oron_suutsУлс даяар утаагаа яах вэ гэлцэж байна. Ерөнхийлөгч хэлэлцүүлэг хийж, Ерөнхий сайд нь утаа гардаггүй, яндантай зуухаа очиж үзлээ, гаднаас зээл, тусламж гуйлаа. УИХ-ын гишүүд Улаанбаатарын гэр хороолол руу гүйлдэн  агаарын чанарыг хэмжиж, манайхаас өөр газарт бол музейн үзмэр байх ёстой зуух янданг тойрон нүдээ бүлтийлгэн танилцаж, за­рим нь “Гоё хээтэй шинэ зуух тавьчихвал утаа буурна” гэлцэв. Харам­сал­тай нь утааны мөн чанарыг ойлгож, асуудлын уг үндсийг гаргаж ирсэн  хүн нэг ч алга. Уг нь хам­гийн дэвшилтэт арга нь эс­гий гэрийг цөөлж орон сууцжуулах, эсвэл халаал­тын шинэ шийдэл нэвт­рүүлэх гэдгийг аль эрт ШУА, эрдэмтэн судлаачид суд­лаад гаргачихсан юм билээ. Гэвч төр, засгийн бодлого эсрэгээрээ зуух, яндан ярьж, яаж мөнгө идэх вэ гэлцэн ядсан арга эрэлхийлэх боллоо.

Утааг шийдэх хоёр л хувилбар  бий. Нэгдүгээрт, утаагүй болохын тулд гэр хорооллыг цахилгааны төлбөрөөс  100   хувь чөлөөлж, дулааныг цахилгаанаар шийдэж болно. Өнөөгийн нөхцөлд  цахилгаан станцын чадал хүрэхгүй учраас нэмэгдүүлэх зайлшгүй шаардлагатай. Дээр нь гэр хорооллын  айл өрх бүрт хүрсэн дулааны шугам  татах бас  боломжгүй.  Утааг шийдэх дараагийн хувилбар нь орон сууцжуулах. Уг нь гэр хорооллыг орон сууцжуулчихвал утаа, агаарын бохирдлоос гадна  хөрсний бохирдлыг  давхар шийдэж болно. Иргэд ч  нүүрс түлж утаа гаргаад суух уу,  зээл аваад орон сууцанд  орох уу гэдэг хоёр  сонголтын сүүлийнх дээр бууж  таарна. Харин банкны зээлийн эх үүсвэрт хамаг “но”  нь байгаа юм биш үү.

Монголбанкны Ерөнхийлөгч  Н.Баяртсайхан саяхан “Монголбанк  дөрвөн  хувийн хүүтэй мөнгийг  банкууд  буюу МИК-д  зээлүүлдэг” гэж  УИХ-ын чуулганы хуралдаан дээр хэлсэн. Тэгвэл  банкууд иргэдэд  найман   хувьтай  зээл өгдөг.Олон улсын жишигт орон сууцны зээл хоёр  хувиас ихгүй, урт хугацаатай байдаг. Манайд зээлийн хүү хэт өндөр байгаа нь Үндэсний аюулгүй байдалд нөлөөлж байна. Зээл авсан хүн өвдөх, амрах эрхгүй зүтгэж эрүүл мэндээр хохирч байгаа   бол зээлтэй гэр бүлүүд нэмж хүүхэд гаргахгүй байна. Яагаад гэвэл  нэг зээл төлөгч нь орлогын эх үүсвэргүй болохоор нөгөө нь төлөх чадвар муу  болчихдог. Үр хөндөлтийн асуудал ч үүнтэй холбоотой. Монголд сүүлийн нэг жилд 18 мянган эмэгтэй үр хөндүүлсэн судалгаа байна. Үүний тодорхой хувь зээлийн дарамтаас үүдэлтэй. Тухайлбал, хоёр хүүхэд төрүүлж, өсгөсөн эмэгтэй гурав дахь хүүхдээ гаргалгүй  үр хөндүүлсэн тухайгаа найман хувийн байрны зээлтэй, ямар ч арга алга. Хэрэв  энэ  хүүхдийг  гаргавал нөхөр маань  бүх цалингаа зээлэнд өгөөд манайх гэдэг айл  юугаар амьдрах вэ гэж эмчдээ хэлсэн жишээ байна. Энэ асуудлыг олж харж, зөв шийдэл гаргасан байгууллага Монголд байна.  Хаан банк ажилчдаа амаржсан үед зээлийн үндсэн төлөлтийг зогсоож дэмждэг.  Яг ийм аргыг найман  хувийн зээлд  хэрэглэмээр.  Хэрэв  зээлдэгчийн эхнэр хүүхэд төрүүлвэл ажилдаа орох хүртэл нь үндсэн зээл төлөлтөөс чөлөөлж болох юм.

Өнөөдөр ипотекийн  зээл яагаад зогссон бэ  гэвэл  Монголбанк мөнгө өгсөн ч банкууд зээлэнд гаргаагүй. Өөрөөр хэлбэл , Засгийн  газрыг  шантаажилж эхэлсэн. Учир нь банкууд өөрсдийнхөө нууцаар санхүүжүүлж барьсан орон сууцыг нэн тэргүүнд иргэдэд  худалдах сонирхолтой. Иргэд гол нь шинэ байр биш боломжийн үнэтэй хуучин байр  авчих сонирхол нь түлхүү. Энд л асуудал байна. Сүүлийн үед гарч байгаа ипотекийн зээлүүд  ч ихэнхдээ  банкуудын өөрсдийнх нь байруудад голлон олгогдож  байгаа. Үүнээс болоод  барилгын компаниуд байраа зарж чадахгүй  Улаанбаатарын зарим дүүрэгт  нэг ч айлгүй орон сууцны хороолол сүндэрлэж  байгаагийн учир энэ.

Тэгвэл Засгийн  газар  банкуудын шантаажид орохгүй, иргэдээ хямд үүсвэр бүхий орон сууцаар хангаж  утаагүй болох боломж байна уу.

Боломжит хувилбарыг судалж үзвэл:

  1. 8 хувийн зээлийн хүүг бууруулж 5-6 хувь болгох. Тэтгэврийн зээл 12 хувь боллоо шүү дээ.
  2. Банк бус санхүүгийн байгууллага байгуулах дүрмийн санг багасгах. Санхүүгийн байгууллагуудыг өрсөлдүүлэх. ББСБ-ыг орон сууцны зээл өгдөг болгох
  3. Засгийн газар төрийн 100 хувь өмчит орон сууцны банк байгуулах
  4. Орон сууц авах урьдчилгаа төлбөргүй болгох
  5. Зээлийн барьцаанд зөвхөн орон сууцыг авах
  6. Орон сууцны зээл авахад авдаг шимтгэл хураамжийг багасгах , зээлийн барьцааны даатгалыг зөвхөннэг удаа хийдэг болгох
  7. Зээл авахтай холбоотой гардаг зардлууд нь бараг 1.5 сая төгрөг болдог. Үүний бараг тал хувь нь банкууд зээл гаргалтын шимтгэл гэж авдагтай холбоотой. Тухайлбал, банкууд зээлийн орон сууцны даатгал, зээлдэгчийн амь насны даатгал гээд олон хураамж авдаг. Иймээс орон сууц болон зээлдэгчийн амь насны даатгалыг зөвхөн нэг  удаа авдаг болгох зэрэг  шийдлүүд байна.

Эдгээр  асуудлыг шийдэж чадвал Монголд мэргэжлийн барилгын салбар хөгжинө, хөл дээрээ ч босно.  Нөгөө талаас  Улаанбаатарын утааны асуудлыг бүрэн шийдэж  чадна. Хүн амаа,  ядарсан иргэдээ, тэдний олж буй  орлогыг мөнгө хүүлэлтээс хамгаалж чадна. Бодит  орлогыг ингэж л  нэмэгдүүлнэ. Гэвч дээр өгүүлсэнчлэн  хуулиар далайлгасан, өөрөөр хэлбэл хуульчлагдсан дээрэм иргэдийг сөхрүүлж байна.

Тоо бодъё л доо.

Өнөөдөр ипотекийн зээл авсан бүх хүн мэднэ. Анх зээл авахад даатгал, нотариат, банкны зээл гаргалт гээд баахан шимтгэл хураамж авдаг.  Үүнийг  88000 өрхөөр үржүүлэхэд асар их мөнгөний тоо гарна. Хураамж, шимтгэлийг  байхгүй болгочихвол  тэр  хэмжээгээр иргэдийн зээлийн эргэн  төлөлт  сайжирна.  Жишээ нь, 1.000.000  төгрөг х  88.000 зээлдэгч= 88.000.000.000   төгрөг болно.  Үүгээр дахиад 1500 айлыг байртай болгох боломж бий.

Бас нэг жишээ хэлье, Чингэлтэй дүүргийн иргэн Э  оны эхэнд банкнаас зээл авчээ. Тэрээр  120 сая  төгрөгийн зээл авахад  банкинд  550 мянган төгрөг,  байрны даатгалд  240 мянган  төгрөг,  зээлдэгчийн амь насны даатгалд   эхнэр, нөхөр тус бүр 144 мянган төгрөг  /288 мянга/ төгрөг, нотариатад 100 мянга /заавал банкны нотариатаар үйлчлүүлэх бөгөөд  өөр хүн дээр очих боломжгүй/, дээр нь зээл хөөцөлдөж нааш  цааш явж зардал чирэгдэл болсоор  300 мянган  төгрөгийн зардал гаргасан нь  нийтдээ  1.5  сая төгрөг болж байна. Жил бүр даатгалыг  ийм маягаар төлөхийг банкууд шаарддаг. Энэ чинь  хуулиар далайлгасан  шууд дээрэм биш үү. Төр үнэхээр хүсээд утаанаас салъя, гэр хорооллыг орон сууцжуулъя  гэж байгаа бол энэ дээрмийг л зогсоо. Тэгж чадсан цагт  Монгол Улс хөгжинө.

Эх сурвалж: “Зууны мэдээ” сонин

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