Amadokhumenti ekufumaneni i-capital mother. Uluhlu lwamaphepha e-maternity capital

Ngokumalunga nomthamo womzali, amaRussia ave ngexesha elitsha-ngo-2007. Kwakukho iingxabano ezininzi kunye namahemuhemu amaninzi malunga nale ngcamango. Inkqubo yentlalo ibonakala njengabaxhasi, kunye nabachasi. Kodwa ke, inkqubo isebenza ngempumelelo. Kwaye namhlanje siya kuthetha malunga nawaphi amaxwebhu aya kufunwa ukuba afumane imali yokubeleka okwangoku.

Ngubani ofanelekileyo kwisiqinisekiso?

Kufunyenwe ngabemi abasapho lwabo lwesibini (okanye olulandelayo) lwazalwa ngalo. Ilungelo layo linabantwana abaye bamkela umntwana wesithathu okanye ngaphezulu. Ewe, ukuba abazange babe nelungelo lokufumana isatifiketi. Ukususela ngo-2007, iintsapho ezingaphezu kwezigidi ezi-5 ziye zaba ngabanikazi babo.

Ngokusekelwe kumthetho, umntwana ofanelekileyo isatifikethi kufuneka avele kweli hlabathi kuze kube nguDisemba 31 (kubandakanya) ngonyaka ozayo 2016. Ukusetyenziswa kwesatifikethi akukho mali. Imali yentsapho yemali (umzali) ingasetyenziselwa ukuphucula imeko yokuphila, kwakunye nokuhlawula imfundo yabantwana okanye ipenshini kumama. Zingasetyenziswa ngokupheleleyo okanye inxalenye.

Ubungakanani bentengo yomzali ngo-2007 bekuyi-ruble yamawaka angama-250, ngo-2014 lilingana nama-ruble angama-408,960.5. Inkqubo yentlalo iqhubekele injongo ephambili: ukukhulisa izinga lokuzalwa eRashiya, elifezekileyo.

Inkunzi yeMaternity: zeziphi iimfuneko ezifunekayo

Iprogram isebenze ixesha elide. Nangona kunjalo umbuzo uvame ukuvela: "Kwenzeka njani ukuba kusetyenziswe inkunzi yemali, ngaba yimaphi amaxwebhu adingekayo?" Ukuqokelela kwabo akufanele kube nzima, kuba amaphepha afanelekileyo ukuba afumaneke ekhaya lakho. Amaxwebhu afunekayo enkxaso-mali yabazali ka-2014 ayitshintshi ukususela ngo-2007. Kufuneka banikezwe kwikhomishini ekhethekileyo ye- Pension Fund kwindawo yokuhlala isigxina okanye imvume yokuhlala.

Uluhlu, oludweba amaxwebhu okufumana i-capital mother-maternity, lubandakanya:

• Iipasipoti zomzali kunye neefotoscophi zakhe - iphepha loxwebhu apho idatha yomuntu siqu, ukubhaliswa, abantwana kubonisiwe;
• Izatifikethi eziqinisekisa ukuzalwa kwabantwana, kunye neefowuni zabo;
• Isitifiketi somtshato wesicelo, ikopi yekopi;
• Isatifikethi sokuzalwa somfaki sicelo, ikopi yekopi.
• Isitifiketi somhlala-phantsi we-inshurensi (i-SNILS) yomfaki sicelo kunye nabantwana.

Umtshato ophindaphindiweyo kwiphakethi yamaxwebhu okubhaliswa kwesatifikethi kwongezwa kubalulekile ukuba ungeze:

• Isatifiketi sokuthi umtshato wangaphambili ukhanselwe kunye nekopi yayo;
• ISatifikethi esivela kwiofisi yokubhalisa, ehambelana nefomu F-28 (isatifiketi sesigqibo somtshato ongaphambili).

La maxwebhu anikezelwa ngumama wabantwana ukuba bafumane i-capital mother. Kukho amaxesha apho uyise efumana khona. Ngokomzekelo, ukuba umama wengane ufe okanye wahlulwa ngamalungelo akhe omzali enkundleni.

Kwiimeko apho umama eswele khona, amaxwebhu okufumana i-capital mother-maternity isongezelelweyo ngolwazi olulandelayo:

• Isiqinisekiso sokufa;
• Isigqibo senkundla esakhupha umyalelo esichaza ukufa komama.

Kwiimeko ezifanayo apho umama enqatshelwe amalungelo akhe malunga nomntwana, oku kulandelayo kuya kuqhotyoshelwa:

• Amaphepha eqinisekisa izenzo ezingekho mthethweni malunga nomntwana;
• Isigqibo seNkundla.

Kwezinye iimeko, umntwana angakwazi ukufumana le ntlawulo. Kuluhlu olungentla lufake amaphepha afaka ngokusemthethweni iinkcukacha eziqinisekisa ukufa kwabazali bakhe.

Kukuphi ukuthumela imali?

Iimali ezifunyenwe phantsi kweprogram yelizwe zivumelekile ukuba zisetyenziswe kwizikhokelo ezintathu: ukuphucula imimiselo yokuphila, nayiphi na imfundo yabantwana kunye nokubonelelwa kwempesheni kumama.

Ngokwezibalo, abemi beengxowa-mali ngqo ngqo ukuphucula iimeko zokuphila, kunye nepesenti encinci kuphela - kwimfundo yabantwana okanye kwi-accumulation part of the pension pension.

Ukufunyanwa kwezindlu

Namhlanje akulula ukuyithenga ikhaya lentsapho elincinane, linikezelwe ngokunyuka kwamaxabiso epropati. Imali-maternity capital iya kuba luncedo kakhulu kulo mbandela, kuba enye yezikhokelo zokusetyenziswa kwayo kukuphuculwa kweemeko zokuphila.

Eli gama lithetha ukuhlaziywa kwezindlu, ukuthenga, ukwakha. Mhlawumbi ngoncedo lwesatifikethi kunye nokuhlawula imali. Kufuneka kukhunjulwe ukuba ukuze ukwazi ukulawula imali ekuphuculeni iimeko zokuphila, umntwana okwangoku kufuneka abe yiminyaka eyi-3 epheleleyo. Ungasebenzisa imali ngokukhawuleza, ukuba umgomo uhlawulelwa ngemboleko. Ngaphezu koko, ityala kuphela okanye inzala iyabuyiswa, iifayili okanye ukugqithiswa kwemali akunakubuyiselwa.

Xa kuthengwa kwikomkhulu lokubeletha kwezindlu kuyafaneleka ukuba sicinge ukuba kufuneka ukuba ibekwe kwintsimi yelizwe lethu. Umnini unokuba ngumama okanye umlingane. Ukwenza imali, kufuneka kukhunjulwe: isivumelwano kufuneka sibhalwe ukuba ngaphandle komama kunye neqabane alikho abanye ababolekayo, kwaye ukuba ukubhaliswa kwepropati kwenziwa ngaphandle kwezihlobo.

Imfundo yomntwana

Iingxowa zingasetyenziselwa kwimfundo yenye yabantwana, kubandakanywa nokusetyenziswa kwemali yokuhlawula imfundo yasesikolweni. Inkunzi-mali kaMama ivumelekile ukuhlawula isikhungo samabanga asemfundo karhulumente / ongekho urhulumente, onesiqinisekiso kunye nokuvunywa.

Ungaphinde uhlukanise imali ukuhlawula zonke izifundo zezingane. Unokwazi ukwahlula imali kwaye usebenzise kuphela inxalenye kuyo nayiphi na enye yezikhokelo ezikhoyo.

Ukuba ngaba abazali banquma ukutshintsha isikolo, iyunivesiti okanye isikolo sokufundela umntwana wabo, kufuneka bazise ngokuqinisekileyo i-Pension Fund, oko kukuthi, bhala isicelo esifanelekileyo. Ukususela kule mzuzwana, imali ejoliswe kwimfundo yomntwana iza kudluliselwa kwi-akhawunti yezinye iziko lemfundo.

Ukudluliselwa kweemali phantsi kweprogram kumhlala-phantsi womama

Ukongezelela ekuphuculeni imigangatho yokuphila, ukuhlawula imfundo yabantwana, kukho enye indawo yenkqubo yoluntu. Le ngxowa-mali yokubeletha esekelwe kwakhona - inkxaso "ipension". Ukuba ukhetho lukhethwe ngokudluliselwa kweemali zokubonelela ngempesheni yomama, ngoko kuhlale kunokwenzeka ukuhambisa imali (okanye inxalenye yayo) kwimfundo okanye ukuphucula indlu. Into ephambili kukuba lo msebenzi kufuneka uqhutywe ngaphambi kokuba kuqeshwe ipenshoni. Kufuneka kuphela ukuba eze kwi-Pension Fund kwaye ubhale isicelo esifanelekileyo.

Umthetho weRussian Federation awuvumeli ukukhutshwa kwemali yentsapho ngokuthi "phila" imali. Kubugebengu obusesikweni kunye nobuqhetseba. Kwakhona, ukuthengwa kwengxowa-mali yokubeleka kuvunyelwe ngokomthetho. Nangona kukho ezininzi iintengiso ezifanayo kwi-intanethi, izenzo ezinjalo zibhekwa ngokungekho mthethweni.

Inkcitho ingafumaneka kuphela xa kufikelele umhlalaphantsi. Ukudlulisela imali kwingxenye ehlawulwa ngemali yempesheni , kuphela isicelo esifunyenweyo kwi-akhawunti yesatifiketi, akukho maxwebhu angeziwe.

Kwiindawo ezahlukileyo zeRussia Federation, kucetywayo ukuhlawula i-capital parentin level kwixesha elizayo.

Ngaba kunokwenzeka ukunqaba ukufumana isatifiketi?

Kunokwenzeka, ukuba:

• Ukungabikho okanye ukupheliswa kwelungelo kumanyathelo athile enkxaso karhulumente;
• Xa kukho inkcazo yeenkcukacha ezingachanekanga okanye ezingalunganga kwisicelo;
• Abazali banqatshelwe ilungelo lokukhulisa umntwana wabo wokuqala;
• Umntwana ozelweyo akahlali ngummi waseRussia Federation;
• Intsapho ifumene i-capital maternity capital.

Ingaba i-capital mother-birth ishintshwe ngo-2014?

Ngo-2014 kwaziwa ukuba uMnyango wezeMisebenzi usebenza kumthetho oqulunqiweyo kwi-capital motherhood. Injongo yale bhili-mali kukuba kuphuhliswe iimeko apho isatifikethi singasetyenziselwa ukhetho xa uhlawula iimali-mboleko (ukuthengwa kwezindlu). Kwakhona lo mthetho-mali uqwalasela amanyathelo okukhusela ubuqhetseba. Ngoxa lo mthetho-mali uphantsi.

Ukuba uyamkelwa, iya kubandakanya amalungiselelo apho uluhlu lwemibutho engenakwenzeka ukungena kwiintengo zemboleko luza kuboniswa. Inkunzi yentsapho ingasetyenziselwa kuphela ngabambiseneli beentengo zemali okanye imibutho emikhulu. Izakhiwo zikaRhulumente ziya kulandela ngokulandelelana umsebenzi wazo.

Ukuba isiko siphumelele ukuhambelana nemimiselo esekelwe ngumthetho, ke imisebenzi yokuboleka imali, apho kucetywayo ukusebenzisa imali kwi-capital mother-maternity, iya kuvalwa. Abahlali abanqwenela ukuhlawula umboleko wokwakhiwa kwabo okanye ukuthengwa ngumthamo-mzali baza kufaka isicelo kuphela kwimibutho echazwe ngumthetho.

Ukusebenzisana noSberbank

Ukuze uzuze ekuphuculweni kwezindlu, ukwakhiwa kwindlu ngexabiso lemali kawonkewonke (i-capital mother-maternity), iSberbank inikezela inkqubo yokuboleka abemi "Ukuboleka kwemali kunye nentlawulo yomzali." Ngaphantsi kwemigqaliselo yebhanki, abemi baya kuba nako ukubuyisela imali mboleko ngosizo lwe-MC. Kufumaneka kwakhona kuluntu nakwezinye iinkqubo:

• Imboleko yokuthengwa kwezindlu zokugqibela;
• Iingxowa ngezindlu ezakhiweyo.

Ngokukhawuleza ukuba isatifikethi se-maternity capital isisondele, abemi baya kuba nako ukusebenzisa le nkqubo. Inzuzo ephambili yenkqubo yokubolekwa kwemali kukuba unokufumana imali mboleko ngoncedo lomkhulu wabazali, oqinisekisa ukuhlawula isitolimende sokuqala.

Amaphepha e-credit (mortgage)

Ukwenza imali, ufuna amaxwebhu asemgangathweni wokungena kwisivumelwano, isatifikethi, isitifiketi esivela kwiNgxowa-mali yePensheni malunga nemali yemali.

Ukubhaliswa kwemali-mboleko ayithathi ixesha elide. Ithuba lokuqwalasela isicelo sabemi liintsuku ezintlanu. Inokukhishwa kuyo nayiphi na yomtshato. Kufuneka kukhunjulwe ukuba i-capital mother-maternity can not be caged (elandelwa nguMthetho weRussian Federation) okanye idluliselwe komnye umntu ukuba asebenzise, kwaye akukho ncitshulwa irhafu.

Unyaka onjani umxhesho wokubeletha osebenzayo?

Abemi abaninzi banenkxalabo malunga nokuya kwenzeka ntoni emva kwendlunkulu yomama? Emva koko, wonke umntu uyazi ukuba amandla omthetho, angena ngo-2007, aphela ngo-2016. Kukho uluvo lokuba kulungele ukusebenzisa i-maternity capital ngaphambi kolu xeshanye, ngaphandle koko kuyayeka ukusebenza. Olu lwazi lubuxoki. Isatifikethi asiyikuphelelwa yisikhathi, oko kukuthi, siya kusebenza nangemva komhla wokupheliswa kwemiqathango kwinkqubo. Abemi bayayisebenzisa nangaliphi ixesha elifanelekileyo kubo.

Kodwa musa ukulibala ukuba umntwana (wamkela) umntwana kufuneka abe ngumhla wama-December 31, 2016. Amagosa amaninzi e-State Duma avakalisa uluvo lwabo ngokunyusa umthetho kuze kube ngu-2025.