Njengoko bakhupha capital kubeleka ngokusebenzisa umthetho?

Ukususela ngo-2007, uRhulumente iye yaphucula mali iintsapho abaselula abaye ezimbini okanye ngaphezulu izalamane okanye abantwana eyamkelweyo. uncedo yokuqala yaba ikota yesigidi engange., Ulwabiwo kwamaxabiso ngo-2014 ziya kufumana isatifikethi ngethuba 420 lamawaka engange. Ngokupheleleyo zonke iintsapho ukuba emva ngoJanuwari 1, 2007 yaba umntwana wesibini okanye olandelayo sinokukufanelekela uncedo loluntu, le nkqubo ukwasebenza abantwana kwamkelwa. Kungenxa yoko le nto abazali uyazibuza kanjani bakhupha capital kubeleka.

Indlela ukufumana uncedo-mali evela kurhulumente?

Akunjalo ngoko nangoko emva kokuzalwa komntwana ebaleka emva imali, sekunjalo ingasetyenziswa xa umntwana ujika iminyaka emi-3. Abalungele uncedo akukho ngabazali musa awasuse, ngoko imali ziyafumaneka naliphi na ixesha. Inoxanduva lokuzisebenzisa lwenkqubo RF Pension Fund, abameli balo uza kukuxelela ngokweenkcukacha indlela bakhupha capital kubeleka.

Ukuze ufumane isiqinisekiso esingqina ilungelo soncedo lwemali karhulumente, kuyimfuneko ukuba kuqokelela amaxwebhu: isiqinisekiso sokuzalwa bonke abantwana, umama yokundwendwela, isiqinisekiso inshorensi yomhlalaphantsi enyanzelekileyo, isigqibo senkundla phezu komntwana. Ngoko ke kufuneka ukuba isicelo PF emzini wakhe kwaye babhale ingxelo iphethini evunyiweyo. Igunya inikwa iikopi kuphela kwamaxwebhu. Isiqinisekiso iya kufumaneka ngenyanga.

Iindlela eziphambili yokufumana imali

Engazi ukuba indlela bakhupha capital kubeleka, abazali abaninzi ezigwenxa kuwa ngenxa maqhinga bait. Khumbula: ukusebenzisa ngokusemthethweni uncedo kunokuba kuphela iintlawulo non-cash. umthetho owenziwa izilungiso minyaka yonke, kunye neendlela zokusetyenziswa capital maternity ukhula. Ukuza kuthi ga ngoku, uninzi isiqinisekiso isetyenziselwa ukuphucula iimeko zokuphila lentsapho. Abazali ukuthenga indlu, ukwakha eyakho, ukuthatha inxaxheba ekwakheni joint, yalungisa, ukuhlawula imali-mboleko okanye nenzala yayo.

capital Zokubeleka ukuya ukuhlawulela imfundo ephakamileyo nawuphi na umntwana entsatsheni, namaziko emfundo ephezulu, ilayisenisi othile, izikolo kamasipala kunye karhulumente okanye eziguqulweyo. Isiqinisekiso zingasetyenziswa nokuphucula inxalenye inkxaso ye pension unina, oko likuvumela ukuba wenze imali kunye zabucala PF. Sixoxa ithuba uncedo ngenxa yokuba imfundo ephakamileyo koomama.

Iibhanki ukuba bakhupha capital lokubeleka?

Amaziko zebhanki abaninzi asebenza eRashiya, ukufumana iziqinisekiso njengoko intlawulo yemali. Xa bekhangela amathuba, kwakunye apho eyinkunzi kamama emalini, abanye abazali weyele nabakhohlisi, ngoxa kokulahlekelwa ubuncinane isinye kwisithathu imali, kwakunye ubuninzi - ngeendlela zonke. Le urhulumente akaboneleli kunikezelo eziinkozo okunokuthi makuchithwe ukutya okanye impahla, ngoko musa ukuya kwi malunga kwabathengisayo embi.

Abasebenzi PF sixelele indlela bakhupha capital lokubeleka ngokusemthethweni. Ukuba usapho ekufuneka iimeko ezingcono izindlu, ngoko ukuba mboleko kunye kwemali yayo elandelayo uncedo zingahlawulwa ezibhankini zilandelayo:

• Savings Bank - libonelela mboleko iminyaka engama-30-14% ngonyaka, ukusebenza kunye izakhiwo esele zenziwe.
• DeltaCredit - inika-mboleko yezindlu kunye negalelo yokuqala ka-5%.
• VTB24 - libonelela mboleko iminyaka engama-50 kwi-11% ngonyaka. capital lokuya kubeleka masifakwe imali phantsi.

Kwakhona iimveliso credit kakuhle ezinikezelwa yi-Bank of Moscow, Primsotsbank, UniCredit, Nomos Bank.