Ngawaphi amaxwebhu afunekayo ukuze ubhaliso eyinkunzi lomzali kwaye abazali kufuneka bazi umntwana wesibini?

Chaza kuqala ngoJanuwari 2007 baqalisa ukuphunyezwa inkqubo yebhongo ukuba owayexhaswa ngumthetho. umongo wayo kukuba iintsapho kunye nabantwana ababini okanye ngaphezulu ithuba lokufumana isibonelelo ekhethekileyo (capital lokubeleka). lokuzalwa komntwana, abaqeshwe yi-mali kufuneka abe ngaphambi komhla apho wafika umthetho ibe amandla. Into ekufuneka uyazile nge uncedo karhulumente kwiintsapho kunye nabantwana? Ngawaphi amaxwebhu afunekayo ukuze ubhaliso eyinkunzi umzali? Indlela yokusebenzisa le mali? Le mibuzo neminye emininzi usenomdla abantu babe abantwana abancinane okanye uza kuzala kubo.

Into ekufuneka uyazile nge capital usapho

Kuyimfuneko ukuba ahlawule nangoko ingqalelo into yokuba imali zikhutshwa kanye kuphela. Oku kwenzeka emva kokuzalwa kosana, nto leyo iya kwabelwa kwikomkhulu.

Qho ngonyaka urhulumente uchitha isalathiso iindlela. Ngokomzekelo, ngowe-2007 umlinganiselo eyinkunzi elalibalwa engange-250 000, yaye ngowe-2014 iya kuthetha ukuya 429 408 engange.

Iyahluka isixa ntlawulo, kodwa ke isiqinisekiso ayikwazi indawo, lona luhlala efanayo. Ukuba iyaqhubeka ukusebenza, ezinye maxwebhu ngexesha hayi linikezelwe, abemi banelungelo lokuba izicelo kwabasemagunyeni abafanelekileyo nangaliphi na ixesha. Kuyimfuneko ukuba ukucacisa oko kufuneka amaxwebhu ubhaliso kwenkunzi umzali. A izithintelo ukalisho lwexesha ekufumaneni urhulumente isiqinisekiso lusekiwe.

Emva kweminyaka emithathu ukususela kumhla wokuzalwa komntwana kuza ixesha xa uchithe imali. Ukuba usapho kuyimfuneko ukuhlawula imali-mboleko okanye ezinye-mboleko yokuthenga indawo yokuhlala okanye ukwakha indlu, unako ukulahla eyinkunzi nosapho lwam, silindele ukuba lo mntwana yobudala.

Ikhutshwe yi-mali kufuneka lonke elimiweyo.

ekujoliswe Capital azikho umntwana ngamnye kunye nosapho, ngoko ke imali ichithwe ukuhlangabezana neemfuno eqhelekileyo.

Isiqinisekiso sisebenza kuphela yokundwendwela okanye naluphi na uxwebhu ukuthi uthatha kuyo. Iba ayisebenzi emva ukuhluthwa amalungelo lwabazali umnini, njengoko kunjalo kwimeko-mthetho nxamnye nabo, okanye ukufa bomntwana.

Ukuba isatifikethi ilahlekile, kulindeleke kunikezelo nesinye. Certificate for mawuhlawule ukufumana kulawulo lwengingqi FIU, kubekwe kwindawo yokuhlala okanye ngummi. Emva kokuba usazi ukuba zeziphi amaxwebhu afunekayo ukuze ubhaliso eyinkunzi umzali, umntu onokuhamba naso ukuya FIU lokumelwa okanye ngeposi.

Ngubani na ukufumana imali

Umfazi lowo wazala abe umgcini okanye omnye umntwana (hayi ngaphambi kwe Januwari 1, 2007) abe lilungu le program. Kulo mzekelo, kufuneka ukuba babe ngabemi Russian.

Zakufika isiqinisekiso unelungelo lokuba umntu, yaye ukuba uthe umntu abantwana ngumzali omnye. Umhla isigqibo senkundla kwi wokwamkelwa (ukuba amkelwa abantwana) kufuneka ibe ngaphambi komhla emva koko le nkqubo iza kungena amandla. Ubumi kwe Russian Federation - amasimi nomyalelo kwisivumelwano.

Kodwa kukho umnyinyiva. Kuba imeko ubumi katata ayikho enokugqiba ilungelo lokufumana isatifikethi. Pope wamkela kuphela xa umama, ndayihluthwa ngozi. Oku kwenzeka kwimeko isigqibo senkundla, apho amalungelo bakhe lwabazali yasuswa, benza amatyala akhe nxamnye abantwana, kwaye ukuba unina akasekho.

abantwana Minor (in alinganayo) nazo abalungele imali phantsi program. Oku kwenzeka kuphela kwimeko zokulahleka umzali okanye umgcini womfundi.

Indlela ukuze ufumane isiqinisekiso

Ukuze ufumane inkcazelo ngoko kufuneka amaxwebhu ubhaliso kwenkunzi umzali, sitsho zingafumaneka kule imizimba lwengingqi Pension Fund welizwe lethu. Okokuqala kuyimfuneko ukuba ukusebenzisa loo ebebonakalisa injongo amalungiselelo abuyiselwe yakhe. Kufuneka kuthathwe kwiintsuku zekhalenda ezingamashumi amathathu ukususela mhla wokungeniswa kwayo. Emva kwesi saziso ithunyelwe ukwazisa malunga neziphumo ingqalelo kwesicelo. Isigqibo inokuba elidibanisayo okanye elithabathayo.

Kunye isicelo nokukhutshwa isatifikethi kufuneka zingeniswe kunye namanye amaxwebhu eyinkunzi umzali. Lo mqulu yamaphepha, ungubani, ebonisa yokuhlala isigxina kunye nobumi Russian kumabhinqa okanye abantu abathi ukufumana imali. Maxa wambi, kunokuba ipasi ukuba angenise esinye isiqinisekiso esingqina ukuba ungubani-sicelo. Oku kufuna ukuba izatifikethi lokuqala abantwana - eqinisekisa yokuzalwa okanye adoption, kodwa kuphela abantwana kwesibini. Ngaphandle zonke ngasentla, kuyimfuneko ukuqinisekisa nobumi babo Russian.

Kwiimeko ezikhethekileyo, ukulungiswa amaxwebhu eyinkunzi lokubeleka uya kufuna isiqinisekiso sokufa ngenxa ummi wazala umntwana, ubungqina ukuhluthwa amalungelo yakhe usana okanye lolwaphulo-mthetho izenzo kwabantwana. Kwimeko ukufa ngumzali okanye umgcini kwakhona zingeniswe ulwazi oluyimfuneko.

Kwezinye iingingqi Russia amaxwebhu ubhaliso kwenkunzi umzali (2012) wathabatha in duplicate. Konke oku kungenxa yokuba kweyoMdumba kulo nyaka kwezinye iindawo zeli lizwe ziye wathola inkqubo "capital lokubeleka Regional". izixhobo zabo zizodwa. Kule nkqubo zidweliswe isixa, ngokwemiqathango intlawulo banikwe iingcebiso malunga nokusetyenziswa kwale mali.

Ukuphuculwa iimeko zokuphila

Zonke iindlela eyinkunzi umzali okanye inxalenye yayo ingabhekiswa kwi kukuphuculwa kweemeko zokuphila, ngoko kusenokubakho ukuthenga indlu okanye ukwakhiwa into ngamnye. Kuvuselelwa endlwini, kakhulu, ukuba wenziwe ngeendleko imali enikiweyo. Ungasebenzisa le equity ukuhlawula phantsi intlawulo, lokuhlawula yenqununu okanye inzala ngemali-mboleko, imali-mboleko yokuthenga izindlu. Kwakhona unika kuhlawulwe zokwakha ezidityanelweyo okanye umrhumo yokwamkelwa ukuya op. Kubalulekile ukuba izindlu zingathengwa kuphela kummandla Russian Federation.

Wemfundo ebonelelwa ukuba imali

Iimali ezifunyenwe kule program, unako kwakhona ufumane imfundo na ngokwemizalwane abantwana abangaphantsi kweminyaka engama-25. Uqeqesho kufuneka wenziwe phakathi kummandla Russian Federation kwiziko lemfundo okuye uqinisekiso karhulumente.

Formation of the umhlala-phantsi (inxalenye ngemali) kunye nemali lokubeleka

Kubonakala ukuba kuqaliswe iiprogram ezifana kunceda ukwandisa iinzuzo ukuba abantu bafumana ukususela ekuqaleni kwiminyaka ethile. Yonke imali okanye naziphi na isabelo sawo ngqo ukuba ukuyilwa yabasebenzi (inxalenye ngemali) pension. Konke oku kwenziwa ngokuthi angenise ifom yesicelo ezaliswe zonke iinkcukacha RPF okanye nayiphi na ingxowa-mali yomhlalaphantsi.