Intlawulo ye umntwana wesithathu: ubungakanani, nemihla yokubhalisa, amaxwebhu

Yiba icandelo elikhulu loluntu - hayi elula sigqibo iintsapho ezininzi kwilizwe lethu. Isizathu yaba ukoyika intlokoma lwangaphakathi intlekele ekuyo i-ekupheleni koo, ethi namhla kusikhumbuza ngokwayo. Ukungazinzi kwezopolitiko nezoqoqosho kuloo minyaka yenza abantwana ngekamva, nto kubalulekile ukuba abazali khathalela. Noko ke, urhulumente Russian liqalise iqela eyilwayo, ehamba ukulwa imeko yangoku yezibalo. Sele kulo nyaka, intlawulo umntwana wesithathu inkxaso kakhulu iintsapho ezininzi kunye nabantwana.

Usapho unabantwana abathathu. Yiyiphi intlawulo ukufumana abazali? Qho ngonyaka uluhlu iinzuzo lohlukile. Ngoko ke, asingabo bonke abazali banolwazi lwamalungelo abo, kwanokuba ke umntwana ngaphezu kwesinye. izinto zokuqala kuqala.

Yintoni capital sikanina?

Qala i ngeenkqubo ezibalulekileyo kwaye ezibalulekileyo ezifana capital koomama, wathabatha indawo phantse-10 eyadlulayo yaye waba luncedo olukhulu kwiintsapho kunye nabantwana abafuna kummisela kwinqanaba eliphezulu wentuthuzelo eziphilayo iintsana zabo. Abanye baye bagqiba ekubeni ukufumana izindlu ngcono, abanye baye wathenga isithuthi kusapho lonke. Kuzo zombini ezi meko, iimeko zobomi babantwana itshintshile kakhulu. capital zokubelekisa ezinikwe iintsapho ezinkulu namakhankatha, nto leyo inkxaso enzima.

Ngokuba yonke le minyaka kwenkunzi Ibhili ngosana lafumana izigidi iintsapho Russian. Umntwana yesithathu entsatsheni - ukuba uvuyo ayinakuphikiswa. Nangona kunjalo, isigqibo ukuphelisa le nkqubo ekupheleni kwalo nyaka, wacaphuka abazali abaninzi bonwabile.

Kodwa kuza kwenzeka ntoni elandelayo? Kutsha nje, urhulumente Russian yakhupha ingxelo yaye yaqinisekisa zabemi ukuba kuqhubeka inkqubo amanyathelo de 2026. Ngaphezu koko, ndiwavuze noqikelelo lokuqala iingcali, ubukhulu eyinkunzi lomzali kule minyaka zikhule ku-1.5 million engange.

Yintoni na tirhisa?

Ayizizo zonke umzali iinkcukacha ngendlela umele uchithe ngokusemthethweni uncedo karhulumente afana ukuba naziphi na iimfuno on. Umkhomba-ndlela zezi zilandelayo:

• Imfundo kunye nabantwana bafumane imfundo.
• Ukufumana okanye ukwakhiwa kwezindlu, ukuphuculwa neemeko zokuphila. Kwakhona, imali ungaya intlawulo mboleko yezindlu.
• Ukuthenga imoto brand yasekhaya.
• unyango olubiza kakhulu kunye nokuvuselelwa umntwana egulayo.
• software unina lonyuselo.

Alithandabuzeki elokuba capital sikanina yinkqubo umngeni zithi shwaka. Nengqinisekiso yereyithi wokuzalwa kwi urhulumente abahlukene kakhulu.

Iintlobo kunye nemali kweentlawulo

capital zokukhulelwa - hayi kuphela intlawulo iintsapho ezinkulu. Naziphi na iintlawulo xa kuzalwa umntwana wesithathu uya kufumana abazali bakhe? ERashiya, abantwana abaninzi banelungelo kunye nezinye iingenelo, akukho kangako engafumaneka nangoko emva kokunikezelwa uluhlu elichaziweyo lwamaxwebhu:

• Isibonelelo ukunakekelwa umntwana. Kaninzi iba ngenkxaso-mali kuba unonophelo usana kunye neminyaka enesiqingatha. Ngokusekelwe ngenxa yomthetho, ubukhulu balo kufuneka ilingane ingeniso angumndilili umzali, utsala inzuzo. Ukuba uthi ngenye indlela, intlawulo umntwana wesithathu neminyaka enesiqingatha ubalwa isekelwe ibhodi unina kwi amaholo avareji kwiinyanga ezingama-24 zokugqibela zokusebenza. Ngokwesiqhelo, isigqibo esiya kuthathwa zingadlulanga iintsuku ezili-10. Emva koko, le mali idluliselwa endaweni sikanina umsebenzi kwaye zinikwa phambi kwikhefu lokubeleka le. Ukuba umama akafuni ukuba umsebenzi osisigxina okanye ukufumana imfundo ephakamileyo, intlawulo umntwana wesithathu ziya kuba ncinci.
• isamba semali. Ayifanelekanga kule intlawulo inikwa umzali omnye kanye kuphela. Ubungakanani uncedo imalunga-15 amawaka. Engange, intlawulo kuya kwenziwa kwindawo yomsebenzi yomamkeli (umzali).
• intlawulo yenyanga ukuba unonophelo usana kunye neminyaka enesiqingatha. Kulo mzekelo, izibalo Isibonelelo akayi kuba ngaphantsi kwe-40% kumvuzo umndilili umzali kangangeenyanga ezingama-24. Minimum inkxaso karhulumente, leyo ukufumana umzali, kuya kufikelela 5.436 engange. Okubalulekileyo, le iingenelo isicelo, kunye nezinye izalamane ngenxa yezizathu ezahlukeneyo, uya kuthabatha unonophelo usana kunye neminyaka enesiqingatha.
• isibonelelo ngenyanga kwiminyaka ukuya ku-3. Ngoko, kwi usapho umntwana wesithathu. Iintlawulo kulo mzekelo iya kuxhomekeka ukuchuma usapho kunye nendawo yokuhlala yayo. Isibonelelo yezimali yenyanga iintsapho enkulu umlinganiswa ngamnye kwinqanaba lengingqi. Kodwa kwisikhokelo sophuhliso esibanzi ukuze kwakhiwe isixa iya kuba ubungakanani bafumane imivuzo abanokuphila yiyo, enye eyahlukileyo kummandla ngamnye.

Amaxwebhu sesibonelelo

Yenkqubo yokufumana imali inkxaso umntwana kufuneka qala isicelo nabantu uluhlu oluqhotyoshelweyo amaxwebhu afunekayo. Iintlawulo Government ngokuba le nkwenkwe wesithathu uya elakho kummandla ngamnye Russia. Ngako oko, iphakheji amaphepha axhasayo zinokwahluka. Ukuze ufumane uluhlu oluthembekileyo, kufuneka afake isicelo kwiSebe leeNkonzo zoLuntu noNciphiso. abasebenzi Agency uya nokujongisisa imeko nokucebisa nokuqokelelwa amaxwebhu, nasekubaleni isikhundla iinzuzo engumzekelo.

intlawulo ye umntwana wesithathu

Ukuze ukwandisa izinga wokuzalwa, ngowe-2012 umongameli we-Russian Federation yamkelwa umthetho, nto leyo iquka ukuqaliswa ingcebiso yamanyathelo okuphucula imeko yabantu kweli lizwe. Ngenxa yoko, kwacetyiswa ukuba iintsapho kunye izibonelelo ezongezelelweyo ezininzi umntwana abakhathalele ukuya kwiminyaka-3, nto leyo eya kuba kulingana ubungakanani bafumane imivuzo abanokuphila kule ngingqi.

izibonelelo ezincedisayo kufuneka kuhlawulwa qho ngenyanga de umntwana efikelela kwiminyaka emi-3 ubudala. mimandla Uninzi wasabela ezintsha ecetywayo, kunye namagunya asekuhlaleni, amalungiselelo afanelekileyo zamkelwe. Iintsapho ezininzi ziye zafumana inkxaso-mali enkulu. Noko ke, ekubeni Ummiselo zengcebiso ngokwendalo, imimandla emininzi Ndizinqandile ekubeni linyanzele amanyathelo ezinjalo.

Iinzuzo ezinkulu iintsapho

ulonwabo olukhulu yabazali - na umntwana wesithathu. Yintoni wabeka iintlawulo kwiintsapho ezinkulu, kwacaca. Kodwa iinzuzo evela umdla karhulumente zekhampani nganye umzali iseli enjalo. Ukongeza inkxaso ngemali yezibonelelo kwiintsapho abaye wazalwa umntwana wesithathu, ezi nzuzo zilandelayo ziya kubonelelwa:

• Mortgage yokubolekisa.
• imfundo yabantwana Free okanye imbuyekezo kuqeqesho.
• Ngezaphulelo irhafu.
• obhaliso umntwana Extraordinary kaThixo epriskuli.
• Ukunciphisa iindleko yokuhlawula eziluncedo.
• Inkqubo yokulungisa imithi.
• fare sicuthiwe izithuthi zikawonke.

Ingxaki ephambili le Russian Federation - lelona zinga wokuzalwa, apho urhulumente uzama ukucombulula ngalo ulwabiwo lodibaniso eninzi. Kufuneka kuqatshelwe ukuba into eya kusinceda onjalo ukunika ithuba lokuba iintsapho azale umntwana wesithathu.