Imibhalo ye-dolobha umzali. Uhlu amadokhumenti ku womama inhlokodolobha

Mayelana womama dolobha baseRussia wezwa esanda kutholakala - ngo-2007. Kuye kwaba impela eningi izingxabano namahemuhemu ehlukahlukene mayelana lo mbono. Ngo uhlelo kwezenhlalo bobabili abasekeli kanye nezitha. Noma kunjalo, lolu hlelo isebenza ngempumelelo. Futhi manje ake sixoxe ngalokho imibhalo kutawudzingeka dolobha womama kuze kube manje.

Ubani inelungelo isitifiketi?

It ikhiqizwa bahlali, lapho lo mkhaya azalwe abe umntwana wesibili (noma izikhathi ezilandelanayo). Ilungelo Lokungayi futhi babe abazali abaye bamukela izingane wesithathu futhi okwalandela. Yiqiniso, uma babengakholwa ngaphambilini unelungelo lokuthola isitifiketi. Kusukela ngo-2007, it is owned by imindeni engaphezu kuka-5 million.

Kususelwa umthetho, ingane unipha ilungelo lokuthola isitifiketi, kumele kuvele kuleli zwe, kuze 31 Disemba (okufakayo) elandelayo 2016. Ukusetshenziswa kakhulu efanayo isitifiketi akanawo umkhawulo wesikhathi. Imali umndeni (umzali) inhlokodolobha lingasetshenziswa ukuze zithuthukise izimo zokuphila, kanye ukukhokhela imfundo yezingane noma umhlalaphansi umama. Zingase lisetshenziswe iphelele noma iyingxenye.

Usayizi inhlokodolobha umzali ngo-2007 wayegcwele ruble ayizigidi 250 2014 kulingana ruble 408 960.5. Uhlelo Social waphishekela umgomo oyinhloko: ukwandisa izinga lokuzalwa eRussia, okuyinto yafinyelelwa.

inhlokodolobha nokubeletha: lokho kudingeka amadokhumenti

Uhlelo abelokhu esebenza isikhathi eside. Nokho ngimuzwe lo mbuzo: "? Indlela ovunyelwe ukusebenzisa inhlokodolobha womama, lokho kudingeka imibhalo" iqoqo yabo akufanele kube nzima, ngoba amaphepha ayedingeka ngoba wena ekhaya. imibhalo edingekayo kwabakhulelwe dolobha ngo-2014 akukashintshi kusukela ngo-2007. Badinga ukunikeza ikomiti ekhethekile Pension Fund endaweni yokuhlala unomphela noma yokuhlala.

Uhlu, ekhomba imibhalo kwabakhulelwe dolobha, zihlanganisa:

• iphasiphothi yomzali futhi ifothokhophi - khasi le dokhumenti, elibonisa idatha, indawo yokuhlala, izingane;
• isitifiketi eqinisekisa sokuzalwa kwezingane, kanye amakhophi;
• isitifiketi somshado wesicelo, amakhophi amadokhumende;
• isitifiketi sayo sokuzalwa wesicelo, amakhophi amadokhumende.
• isitifiketi umshwalense impesheni (SNILS) ofake isicelo kanye nezingane.

Uma ushade iphasela kwemibhalo sokubhalisa isitifiketi okwengeziwe ukuze ungeze:

• ubufakazi ukuthi umshado odlule usesenzé saba yize nesithembiso futhi ifothokhophi yalo;
• isitifiketi kusukela Registrar elihambisana yakha P-28 (kuyinto isitifiketi ngemvume umshado wangaphambili).

Le mibhalo isihloko umzali inikeza kumama wezingane. Kunezikhathi lapho uthola uyise. Ngokwesibonelo, uma umama wengane wayeshone noma wayekade bancishwa amalungelo abo kwabazali yinkantolo.

Ezimweni lapho wafa unina, imibhalo ye-dolobha umzali doukomplektovyvayutsya izinkomba ezilandelayo:

• isitifiketi sokufa;
• isinqumo senkantolo ngubani wakhipha isinqumo bememezela ukufa kukamama.

Kulezo zimo lapho umama bancishwa amalungelo yinkantolo maqondana nengane, ephelezelwa:

• Imibhalo eqinisekisa izenzo eziphambene nomthetho ngokumelene ingane;
• isinqumo senkantolo.

Kwezinye izimo, ingane uqobo ukwamukela le nkokhelo. Ukuze Kulolu hlu olungenhla kunezelwa iphepha, ngokusemthethweni equkethe idatha eqinisekisa nokushabalala abazali bakhe.

Lapho ukuthumela imali?

Izimali ezitholwe ngaphansi kwalolu hlelo isimo, Namanje akuvumelekile izinkomba ezintathu: ukuze zithuthukise izimo zokuphila, nemfundo yezingane kanye nanoma yimuphi yempesheni unina.

Ngokwezibalo, izakhamuzi ukuthumela imali, ikakhulu ukuba kuthuthukiswe izimo zokuphila, futhi lincane - emfundweni yezingane noma ingxenye uxhaso yempesheni kamama.

yokufuna impahla

Namuhla sokuthenga umuzi womkhaya osemncane akulula, unikezwa ukwanda komthwalo impahla amanani. Kuyosisiza kakhulu kule ndaba obungenza inhlokodolobha womama, ngoba omunye izinkomba yokusetshenziswa kwawo yiso ngcono izimo zokuphila.

Ngaphansi lo mqondo kusho kabusha izindlu, ukuthenga kanye nokwakhiwa. Mhlawumbe ngesitifiketi akhokhe mortgage. Kufanele kukhunjulwe ukuthi ukuze ukwazi ukuthumela imali ukwenza ngcono izimo ophilayo, ingane okwamanje kufanele uchichime egcwele engu-3. Sebenzisa imali kungaba ngokuqondile, uma inhloso - buyiselo imalimboleko. Futhi kuphela SINDISA izikweletu noma isithakazelo noma abuyisele nenhlawulo cha mukela.

Lapho uthenga kwabakhulelwe dolobha impahla kufanele bacabangele ukuthi kumelwe nakanjani esisogwini insimu yezwe lethu. Umnikazi kungenzeka kukamama noma oshade naye. Ukwenza out a mortgage, kumele ukhumbule ukuthi lesi sivumelwano kufanele abhalwe ukuthi ngaphezu umama nomfazi kungekho ezinye co-ababoleka, nokuthi design komhiaba zazingekho izihlobo.

imfundo wengane

Izimali kungenziwa iqondiswe kumiswa omunye izingane, kuhlanganise nokusetshenziswa kuvunyelwe we zimali ukukhokha lemfundo pre-school. inhlokodolobha nal uvunyelwe ukukhokhela zasenkulisa isimo / non-state uhlobo, ilayisensi futhi egunyaziwe.

Ungase futhi bahlukanise izimali ukukhokhela izifundo zakhe zezingane. Ungakwazi bahlukaniselane imali bese usebenzisa kuphela ingxenye kunoma yiziphi izinkomba ezintathu kungenzeka.

Uma abazali unqume ukushintsha izikole, esikoleni esiphakeme noma zasenkulisa izingane zabo, kufanele compulsorily wazise Pension Fund, okungukuthi isicelo olufanele. Kusukela ngaleso sikhathi imali okuhloswe ngaso imfundo yengane, izofakwa ku-akhawunti yelinye isikhungo sakho semfundo.

Direction kwezimali ngaphansi uhlelo impesheni kamama

Ngaphezu kokwenza ngcono izinga lokuphila, ukukhokhela imfundo yezingane, kukhona enye indawo kwezinhlelo zezenhlalakahle. It uqondiswe dolobha womama - "umhlalaphansi" okukhethwa kukho. Uma okhethiwe ukudluliswa kweemali impesheni umama ke ungahlala liqondise kabusha izimali (noma ingxenye yalo) ngoba imfundo noma ekhaya ngcono. Into esemqoka ukuthi lo msebenzi wenziwa impesheni. kudingeka kuphela ukuza Zempesheni kanye isicelo olufanele.

umthetho Russian akuvumeli Ukukhishwa dolobha umndeni imali "bukhoma". It kuyicala futhi kuyinto ukukhwabanisa. Liphinde kunqatshelwe ngokomthetho futhi ukuthengwa inhlokodolobha umzali. Nakuba i-Internet futhi kwakungekho impela eningi lezi zikhangiso, izenzo ezinjalo kubhekwe njengokungekho emthethweni.

Cash dolobha kungaba kuphela uthole lapho ufinyelela kokuthatha umhlalaphansi. Ukwedlulisela izimali ingxenye uxhaso impesheni ngenxa isitifiketi isitatimende ezidingekayo, namanye amadokhumenti ezengeziwe kudingeka.

Ezindaweni ezahlukene Russian Federation sihlelwe esikhathini esizayo ukukhokha inhlokodolobha womama ezingeni lesifunda.

Ingabe ukwehluleka okungenzeka ukuthola isitifiketi?

Ingabe kungenzeka uma:

• ziyashoda noma kunqanyulwe ufaneleke ukuthola eyengeziwe ukweseka uhulumeni izinyathelo;
• esimweni izinkomba ulwazi olungamanga noma engalungile esicelweni;
• abazali beswela ilungelo lemfundo kwengane yabo yokuqala;
• ingane ezalwe - hhayi isakhamuzi Russian Federation;
• umndeni wathola ngaphambi inhlokodolobha womama.

Ingabe womama dolobha usebhekene ushintsho 2014?

Ngo-2014, yabe seyaziwa ngokuthi woMnyango wezemiSebenzi usebenzela umthetho okusalungiswa ngokuphathelene inhlokodolobha umzali. Injongo le nkokhelo ukunikeza izimo lapho isitifiketi amathuluzi Spry ingasetshenziswa njengoba inketho ekuvuthweni imali (izindlu). Futhi, uMthethosivivinywa uyakucabangela izinyathelo nokuvimbela ukukhwabanisa. Ngenkathi mthethosivivinywa ezisacubungulwa.

Uma uyingane yokutholwa, ke izobandakanya amalungiselelo izokwethulwa uhlu lwezinhlangano ngawo akunakwenzeka ukuphetha ubudlelwane credit. amafa Umkhaya ingasetshenziswa kuphela nge-credit izinhlangano noma izinhlangano ezinkulu. Umsebenzi wabo uzobe waphoqelela ejenti kahulumeni.

Uma isikhungo akakwazi athobele imithetho emiswe ngokomthetho, imisebenzi abolekise lapho ukusetshenziswa kwezimali sihlelelwe kusukela enhlokodolobha umzali uzobe akuvumelekile. Izakhamizi abafisa ukukhokha loan umzali dolobha ukuze kwakhiwe noma ukuthenga, uzoba nokufinyelela kuphela ecacisiwe inhlangano lomthetho.

Ngokubambisana Sberbank

Ukwenza ngcono inzuzo kwezindlu, ukwakhiwa kwezindlu ngezithukuthuku izimali zomphakathi (womama dolobha), Savings Bank inikeza izakhamuzi uhlelo loan "Mortgage Plus womama inhlokodolobha". Ngokusho imigomo ebhange, izakhamuzi kuyoba wokukucima loan usebenzisa MC ukwazi. Futhi iyatholakala ku izinhlelo zomphakathi nezinye:

• credit ngokuthenga impahla ekhona;
• credit nezezindlu kuyakhiwa.

Uma isitifiketi yenhloko-dolobha umzali kuyoba esandleni, izakhamuzi uzokwazi ukusizakala kulezi zinhlelo. Inzuzo enkulu ohlelweni mortgage wukuthi ungathola loan usebenzisa inhlokodolobha womama, esinikela ekukhokhweni premium kokuqala.

Imibhalo ngoba loan (mortgage)

Ukuze uhlele a mortgage, udinga isethi ejwayelekile kwemibhalo ngoba inkontileka, isitifiketi, isitifiketi kusukela Pension Fund esele.

Ukwenza mortgage ngeke bathathe isikhathi eside. Igama elithi ka nokucutshungulwa kwezicelo izakhamuzi 'kuyinto izinsuku ezinhlanu. Kungaba ukudweba noma yiziphi owakwakhe. Khumbula ukuthi inhlokodolobha womama ayikwazi selishintshiwe (bezingelwa Umthetho Russian Federation) noma kubaqoqi komunye umuntu, futhi ngeke ukwazi ukuthola imali yentela.

Ukuze lokho abelokhu esebenza womama dolobha?

Abantu abaningi obakhathalelayo kuzokwenzekani enhlokodolobha umzali? Ngoba sonke siyazi ukuthi amandla umthetho, zamisa ngo-2007, iphela ngo-2016. Abanye abantu bakholelwa ukuthi kufanele usebenzise inhlokodolobha umzali ngaphambi kwalolo suku, kungenjalo ngeke usaba isebenze. Lolu lwazi kungamanga. Isitifiketi akusho yisikhathi, t. E. Kuyoba evumelekile ngisho nangemva kosuku ukuqedwa Uhlelo okunemibandela. Izakhamizi izokwazi ukuyisebenzisa nganoma yisiphi isikhathi esikahle ngabo.

Kodwa ungakhohlwa ukuthi ukuzalwa (zamukele) ingane kufanele bawubheke 31 Disemba 2016. Abaningi zamaphini we Duma State ukuveza imibono yabo esivuna isandiso yomthetho kuze 2025.