Ирэх оны эхний өдрөөс мөрдөх, орон сууцны хөнгөлөлттэй зээлийн шинэ журмын гол заалтууд

4a049f07572a4c67a6bd16c06a984116Барилга хот байгуулалтын яамнаас Ипотекийн зээлийн шинэ журмыг боловсруулан, Засгийн газрын хуралдаанаар баталжээ. Шинэ журмыг ирэх оны эхний өдрөөс мөрдөж эхэлнэ.

Улсын төсвөөс олгох болон банкуудын санхүүжилтийн эх үүсвэрийг ипотекийн зээлд татан оруулахаар болсон нь хамгийн гол өөрчлөлт юм. Ингэснээр илүү олон иргэн энэ зээлд хамрагдах боломжтой. Ипотекийн найман хувийн зээлийн санхүүжилтэд нэг жилд зарцуулдаг байсан 300 тэрбум төгрөг 500 тэрбум болж нэмэгджээ.

Орон сууцанд амьдрах иргэдийн тоог өсгөснөөр агаар, орчны бохирдлыг бууруулна гэж гүйцэтгэх засаг үзэж байна.

Зээлийг Монголбанкаар дамжуулан банкуудад олгоно. Шинэ журам мөрдөж эхэлснээр банкууд дараах үүргийг хүлээж байна.

  • Зээлийн өргөдөл хүлээн авахаас үндэслэлгүй татгалзах,
  • Иргэдтэй зээлийн үндсэн төлбөрийг урьдчилан төлөх нөхцөлгүй, төлсөн тохиолдолд торгууль, шимтгэл, хураамж ногдуулах нөхцөлтэй гэрээ байгуулахгүй.

Энэ зээлд хамруулах орон сууцны талбайг 80 м.кв хэмээн хязгаарласан. Энэ хэмжээг өсгөвөл борлуулалт нь зогссон олон барилга хурдан эзэнтэй болно гэх шүүмжлэл их өрнөдөг. Гэвч шинэ журамд талбайг хуучин хэвээр нь баталжээ. Гэхдээ зээлд хамрагдах хүсэлтэй иргэд дараах шаардлагыг хангасан байрнаас сонголтоо хийнэ:

  • Аймаг, нийслэл, хот, тосгоны хөгжлийн ерөнхий төлөвлөгөө, орон сууцны хотхон, хорооллын хэсэгчилсэн ерөнхий төлөвлөгөөний дагуу баригдсан орон сууц,
  • Инженерийн дэд бүтэцтэй, эрчим хүчний хэмнэлттэй, нийт талбай нь 120 м.кв-аас ихгүй амины орон сууц байна.
  • Амины орон сууц барих зорилгоор зээл авах бол 60 сая хүртэл төгрөгийн зээл олгохоор журамд тусгажээ.

Зээлийн нөхцөлүүд:

  • Зээлийн хугацаа 360 хүртэл сар,
  • Жилийн хүү найман хувь,
  • Урьдчилгаа төлбөрийн хэмжээ тухайн орон сууцны үнийн дүнгийн 30 хувиас багагүй, зээл үнэлгээний харьцаа 70 хувиас ихгүй байна.
  • Зээлдэгчийн төлөх сар бүрийн төлбөр нь өрхийн татварын өмнөх орлогын 45 хувиас ихгүй,
  • Төлбөрөө урьдчилан төлсөн тохиолдолд зөвхөн зээлийн үндсэн төлбөрийн үлдэгдлээс хорогдуулж тооцно.
  • Зээлдэгч нь 18 нас хүрсэн, эрх зүйн бүрэн чадамжтай, хугацаа хэтэрсэн зээлийн өр, шүүхийн шийдвэрийн дагуу төлөх өр, төлбөргүй, өөрийн өмчлөлийн инженерийн бүрэн хангамжтай орон сууцгүй болохыг тодорхойлсон улсын бүртгэлийн лавлагаатай, өмнө нь зээлд хамрагдаж байгаагүй, барьцаатай байх ёстой.

Амины орон сууц барихаар зээл хүсэгч нь дээрхээс гадна орон сууц барьж байгаагаа тодорхойлуулсан, барих газар нь өмчлөх, эзэмших эрх улсын бүртгэлд бүртгэгдсэн, эзэмших эрхийн хугацаа нь зээлийн хугацаанаас багагүй байна.


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