On into ukuchitha imali eyinkunzi ngosana? Ukusetyenziswa kwe capital lokubeleka

capital zokukhulelwa - ngenkxaso-mali evela kurhulumente iintsapho kunye nabantwana ababini okanye ngaphezulu. Ukususela ngo-2007, wacel isiqinisekiso kunye nolwabiwo ekhethekileyo injongo. Oko ngokusesikweni usebenzise imali kukhetho lwakho engenakwenzeka. Ngenxa yoko, abazali abaninzi umbuzo: "Yintoni na uchithe imali eyinkunzi ngosana?".

Yintoni le

Kuqala kwinto zonke, le nkxaso-mali evela kurhulumente iintsapho enabantwana ababini okanye ngaphezulu. Kokuba ikhutshwe ngokohlobo isatifikethi, oko kuphunyezwe iinjongo ezithile kuphela, bona ngezantsi.

Le nkqubo yaqala ukusebenza ngoJanuwari 1, 2007, kwaye igama elithi lokugqitywa layo ucwangciselwe ngoDisemba 2016, kodwa kucingwa ukuba uxolela de 2025. Ngowe-2015 imali eyinkunzi maternity yaba 453.026 engange, kwaye akukho sikwalathisa ngo-2016.

Ngoko ke, nangona ukuba satifikethi sikhutshwa kuphela kwabo abazali nabantwana ababini okanye ngaphezulu, akangowakhe umntwana ethile kunye nentsapho. Oko kukuthi, kufuneka usetyenziswe, kuthathelwa ingqalelo iimfuno yonke intsapho.

Ngubani ofanelekileyo ukuba isatifikethi

ingqalelo ngakumbi kufuneka anikwe njenge ukufumana baze bachithe imali eyinkunzi maternity kwaye ngubani unelungelo lokwenza njalo. Yento isiqinisekiso kuphela ngummi Russian Federation okanye umntu ukuba ngummi ezimbini ndize ndihlale amazwe.

Ngoko umama ukuba akhuphe isiqinisekiso ukuba unalo umntwana wesibini okanye wesithathu ngoJanuwari 2007, kwakunye nokungabikho uyise xa nonina, umzekelo, ngokunxulumene ukufa, ngenxa yokulahlekelwa umthamo okanye ukuhluthwa amalungelo lobuzali. Yenza Isiqinisekiso inokuba obudala umntwana okanye umfundi wexesha elizeleyo usakhula, abantu abaselula abaneminyaka ukuya iminyaka engama-23, ukuba malunga abazali bakhe ulwenze amanyathelo yenkxaso karhulumente.

isiqinisekiso sococeko

Phambi kokuba ugqibe apho ukuchitha imali eyinkunzi ngosana, kuyimfuneko ukuba amalungiselelo ukumelwa lwengingqi Pension Fund. Ukuze wenze oku, ilungise package of amaxwebhu:

• yokundwendwela okanye olunye uxwebhu yesazisi-sicelo;
• izatifiketi zokuzalwa, ukwamkelwa kwabantwana;
• SNILS sicelo kunye nabantwana;
• ubungqina zobumi;
• mazwi.

Amaxwebhu kufuneka sithunyelwe kwindawo yokuhlala okanye sokuhlala. wokuphonononga gama yinyanga e-1 emva kokwamkelwa. I-Pension Fund liya kwazisa umfaki-sicelo ngesigqibo esithathwe ngeleta ebhalisiweyo. Emva koko, kufuneka uvele kwi ukumelwa sobummandla kunye kusifumana isatifikethi.

ukusebenzisa target

Ngoku kuyimfuneko ukuchonga, umele uchithe imali lokubeleka ukulungiselela iinjongo ntoni. Imali eyabelwe ngurhulumente, ibe wachitha ku:

• Ukuthengwa okanye ukwakhiwa kweendawo zokuhlala, ukuba ukuhlawula imali-mboleko yezindlu njengoko intlawulo phantsi yokuthenga mortgage lwezindlu.
• Ngemfundo abantwana oluntu nawabucala, kodwa wegqitha urhulumente ngokuvunywa kwamaziko emfundo.
• Inxalenye ngemali ye pension yabasebenzi kwi uluntu Pension Fund, kwaye ngasese.

Ukuza kuthi ga ngoku, akukho nto itshintshile, kwaye uluhlu (apho uchithe imali eyinkunzi ngosana) kuhlala efanelekileyo.

Indlela ukwenza isiqinisekiso ukuphucula iimeko izindlu

Njengoko ungachitha eyinkunzi lokubeleka kufuneka siqwalasele ngenyameko kukuphuculwa kweemeko ephila ngayo iintsapho. Okokuqala, nanku umgaqo esinako ndaqonda ngokusebenzisa kuphela xa umntwana ujika iminyaka emithathu ubudala. Okwesibini, kufuneka zithathelwe ingqalelo iimfuno zawo onke amalungu entsapho.

Nachto ukuchitha imali ngosana ukuphucula iimeko izindlu:

• Ukuthenga indawo yokuhlala, indlu okanye ezinye izakhiwo zezindlu eyaziwayo, ngokulandelelana izakhiwo ipoma ayikwazi zingathengwa.
• Kuba intlawulo phantsi mboleko mboleko yokuthenga izindlu.
• Ukuze uhlawule zokubambisa okanye ezinye-mboleko yezindlu. Uyakwazi ukubuyisela namatyala okanye inzala kwi-mboleko.
• Ukutyala imali kulwakhiwo odibeneyo indlu. Kuyenzeka ukuthenga indlu kwindlu elisanda kwakhiwa.
• Ngomhla kuvuselelwa endlwini, umzekelo, ukwandisa indawo indlu yabucala, okanye ulwakhiwo ukwandiswa imbala.
• Ukuze kwakhiwe indlu yangasese.

Inguqulo entsha inikeza ezinye bokuqonda. Okokuqala, kufuneka belimiwe indlu kwelimiweyo unyaka wonke. Okwesibini, ukuthenga indlu ngemvumelwano ilizwe izindlu yentengiso kunye nomhlaba kufuneka kukhutshwa ngokwahlukileyo, njengoko ngeendleko isiqinisekiso kuhlawulwa kuphela zokuhlala. Ekugqibeleni, usapho ukwenza umsebenzi wokwakha ngeendleko zayo, lo gama kugcinwe zonke iivawutsha, yaye emva kweminyaka emi-3 ukuya isicelo imbuyekezo ngeendleko.

Ngawaphi amaxwebhu ukulungiselela ukukhutshwa kwezatifikethi ukuphucula iimeko izindlu

Kuyimfuneko ukuba kulungiselelwe amaxwebhu afanelekileyo, kwaye isicelo kwiSebe Pension Fund le ndawo ahlala kuyo. Uluhlu amaxwebhu afunekayo:

• ukuchongwa kunye nobhaliso umnini isiqinisekiso;
• isiqinisekiso;
• isicelo;
• SNILS;
• ukuzibophelela ebhaliweyo, kubameli, malunga kuyilo izindlu ezakhiwa okanye ezithengwe ubunini onke amalungu entsapho.

Okulandelayo, kufuneka ukunika isivumelwano iziko lamatyala lokubonelela mboleko yezindlu okanye ingxelo yebhanki malunga ezinye inqununu kunye nomdla kwi-mortgage, isivumelwano intengiso kwi indlu okanye iiflethi, imvume yokwakha okanye ukuvuselelwa indlu yokuhlala.

Indlela ukuchitha capital ngosana kufunda eyunivesithi

Ngenxa yokuba uqeqesho kunye neeyunivesithi namhlanje luyabiza, kunokwenzeka ukuba ukuqaphela ezi njongo ezinkulu sikanina. On into ukuchitha imali:

• ukufunda kwiiyunivesithi kummandla we-Russian Federation;
• ukuze bafumana imfundo kwiziko lemfundo, ekufuneka aqinisekiswe;
• ngemfundo umntwana, ukuba ungaphantsi kweminyaka eyi-25 ubudala.

ukufunda Pay ingaba ngokupheleleyo okanye ngokuyinxenye ukuchitha imali. Akukhathaliseki ukuba umntwana uya kufunda - yokuqala, yesibini okanye yesithathu.

Ngawaphi amaxwebhu afunekayo ukuze bachithe iqhiya umzali yoqeqesho

Ukongeza yokundwendwela yomfaki-sicelo, SNILS isiqinisekiso kunye izicelo kufuneka isivumelwano yoqobo nge ziko ukwenzela ukubonelela ngeenkonzo qho yorhwebo kunye nekopi yesatifiketi yokuqinisekiswa eyunivesithi. Ukongeza, esebenzisa capital ngosana zingahlawulwa uqeqesho kuphela, kodwa ukuhlala ehostele, oku kufuna umnqophiso lokuhlala.

Ukuba umfundi ndagxothwa esikolweni, kufuneka ukuba angenise isicelo kwi Pension Fund ukuba arhoxise imali zize zizibuyisele ngendleko kwesiqinisekiso. Ibhalansi kuthetha ukuba tirhisa kwixesha elizayo, kuba iinjongo ezinikwe ngumthetho.

Indlela ukuchitha imali ngemali eyinkunzi iyinxalenye kubeleka ye pension

Kubalulekile ukuqaphela ukuba le a ezincinane wokwephuka indlela ukulahla kwemali ngeendleko eyinkunzi umzali. Ewe, ngaphantsi kwe-1% ye-abanini isatifikethi. Noko ke, unina angathumela imali kwi-akhawunti inxalenye ezongezelekayo ye pension. Kwaye ke translation kungenziwa kwingxowa-mali yomhlalaphantsi karhulumente, kwaye engekho phantsi kukarhulumente.

Kuyo nayiphi na imeko, umfazi xa wabhala ileta waza wathumela imali kwi-akhawunti inxalenye ezixhaswa ngemali ye pension yabasebenzi, ukuba unakho ngalo naliphi na ixesha utshintshe ingqondo yakho imali echithwa kwezinye iinjongo. Xa kunjalo, ukuba lo mfazi akazange aphile umhlala-phantsi, imali eyinkunzi lokuya kubeleka uya kuzidla ilifa kwezalamane ezisondeleyo, okt indoda kunye nabantwana.

Ngaba sichitha imali kwi imoto

Iintsapho abaninzi banomdla kulo mba: Ngaba kunokwenzeka ukuba tirhisa capital maternity ukuba athenge imoto. Ngelishwa, ukuba athenge imoto ngezi mali ayikwazi kuba, nangona le mbambano iye ixoxwe kwi State Duma, kodwa sakhatywa komthetho oyilwayo.

Nangona iintsapho ezininzi uthenga imoto iza kwenza kube lula ubomi babo. Kodwa ngoxa imibuzo, njengoko iminqweno yabantwana zithathelwe ingqalelo. Okokuqala, imoto wathenga eniza kuyithengisa baze ngaloo ndlela bafumane imali ngeendleko eyinkunzi umzali. Okwesibini, ukuphelwa lixabiso ixesha izindlu ngokwaneleyo elide, nto leyo na isithuthi, ngokulandelelana, ukuchitha imali ukuze babe nalo ngeendleko capital umzali bekungalunganga.

Kwelinye icala, ezinye iintsapho namakhaya abo yaye iindlela zokufumana oko, akukho mfuneko ukuba. Chitha imali imfundo yabantwana okanye uzibeke kwingxelo umama okhulelweyo umhlala - amathuba kunokuba 'engacacanga "kunye ixesha elide. Ngako oko, kuba kubo, ukuthenga imoto bekuya kuba ukhetho efanelekileyo. Kodwa uluhlu into ukuchitha imali eyinkunzi kubeleka le, ayikatshintshi.

Ndingalufumana imali

Lo mbuzo mhlawumbi njalo ngumnini isatifikethi. Oko kukuthi, ukuba uyakwazi ukufumana imali kutshintshiselwano sesiqinisekiso for capital lokubeleka. into ukuchitha imali eyabiweyo-sikhokelo umthetho, ukuba sele kwaziwa, kodwa hayi zonke usapho kufuneka inkxaso elolu akunakuthethwa malunga imali "live".

Phinde ungakwazi ukufumana imali, oko kukuthi, imithetho ezili-iingcedevu isiqinisekiso enikiweyo. Kukho ngaphandle omnye kuphela, xa usapho wenza ukwakhiwa okanye ngokutsha kwezindlu akhawunti yalo. Kuzo zonke ezinye iimeko, le mali idluliselwa kwi akhawunti kwiinkampani zokwakha, abathengisi okanye iibhanki apho umnini wesiqinisekiso ezenziwe-mboleko yezindlu.

Uxanduva gwenxa imali

imali ezinkozo ngeendleko capital umzali kuthathwa nokubiwa kwempahla karhulumente. Ngoko ke kufuneka ucinge kakuhle ngaphambi kokuba ugqibe ukuba tirhisa njhani koko capital kwezobunina ukuba imithetho yelizwe lethu.

Ngaphezulu, ngenxa yolwaphulo-mthetho uya kuthwala uxanduva lolwaphulo-lomntu othatha inxaxheba ngqo kwi kuzalisekiso lwesikimu yobuqhophololo. Umzekelo, ukuba imali cashed inkampani zokwakha okanye usisizalwane umnini wesiqinisekiso, ukuba nesandla.

Kubalulekile ukuphawula ukuba abasemagunyeni esweni ngenyameko ukusetyenziswa kwemali-mali karhulumente. Ngoko ke, ukuze uqonde capital maternity le nto ilula kakhulu.

Oku, mhlawumbi, bonke ukuba uchithe imali eyinkunzi ngosana. Akukho tshintsho ngokuphathelele ukusetyenziswa kwemali kwixa elizayo kubonakele.