Indlela yokukhokha nesondlo isuka esiqalweni esiphansi engokomthetho?

Indlela yokukhokha ukwesekwa kancane? Lo mbuzo wabuzwa abantu abaningi ukondla obushade naye emuva kwesehlukaniso, abangafuni ukunikeza ex-abafazi kakhulu inkokhelo yabo. Ukuze ukhokhele noma cha ukukhokhela owakwakhe wangaphambili futhi izingane zabo - kuyindaba yangasese. Futhi esihlokweni, sizozama nje impendulo enemininingwane kakhulu umbuzo wokuthi kungenzeka ukukhokha support ingane ezingaphansi kwenani ukuthi inkantolo esimisiwe.

Isici zokuziphatha zezinkinga yesondlo

Abesifazane bavame osolwa ex-amadoda ngukutsi zingenalo ngokwanele izingane zabo. Nokho, izazi zokusebenza kwengqondo eziningi, zezenhlalo kanye abameli ukuthi iningi ladies wamshiya umyeni wakhe ukuthatha ngokucacile isimo esibi, "kufanele abe ukunikeza." Kufanele kuqashelwe ukuthi ukuziphatha yisinanakazana enjalo siba sibi isimo izingane oyise ngenxa yezizathu ezihlukahlukene ayikwazi noma ungafuni ukusiza umndeni ayengaphansi kuphela. Abesifazane balinde futhi bazibiza ngenkathi ungenzi lutho ukuze umntwana ongakazalwa uhlelo lwezimali njalo: musa ufisa ukushintsha imisebenzi, ukunciphisa izindleko ezokuzijabulisa nokuzilibazisa, nabanye.

isivumelwano amaqembu '

Ngokungangabazeki, indlela enengqondo kakhulu ukuthi isivumelwano ekukhokhweni nesondlo - i ukuvumelana phakathi kwezinhlangano zentando. Umkhaya Ikhodi WaseRussia ivumela zivumelwano phakathi abashadayo wangaphambili. Isici futhi ngokunenzuzo le ndlela wukuthi bobabili abazali baqonde wemfanelo wokufundisa izingane ndawonye. Ngakho-ke, angahlala bavumelane ngenani eliphusile iminikelo yemali.

indlela abantu abakhuliswe ngayo Umzali lapho ingane ingenza ngisho isandla kulabo ukukhokha nesondlo uma wabo kwakungu ezimweni ezinzima (ukugula, ukulahlekelwa umsebenzi, noma ababhekene nobunye ubunzima besikhashana). Khokha ingane support kungaba ngaphansi uma abashadayo wangaphambili wambule evamile nomunye futhi niqhubeke bobabili bavume icala.

Nokho, izinto ezenzeka ngokoqobo yethu zanamuhla wukuthi nokukhokhwa ukondla obushade naye emuva kwesehlukaniso ngesivumelwano - into sasivumela ezingavamile. Ziningi izizathu ezabangela lokho :. ukungathandi Siqu, ukwenqena ngokwezimali ukusiza ex-unkosikazi nengane, ukungabi omude operation esitebeleni, njll Ngokuvamile lapho futhi recriminations: omama nezingane osolwa kobaba ukuthi kungukuthi ukusiza ingane, njengoba owawuholela kahle ukondla obushade naye emuva kwesehlukaniso obaba, kunalokho, isihlamba ex-amakhosikazi imali engenangqondo izimali. Kungakhathaliseki ukuthi isimo sinjani, sizozama ukuphendula umbuzo zalokho okufanele ukwenze ukuze akhokhe kancane nesondlo uma ungakwazi ukuthi babe nezingxoxo ngokuthula.

Ukuthola yomkhokhi ukukhubazeka

Invalids mina namaqembu II Unelungelo inkantolo ukunciphisa ukondla obushade naye emuva kwesehlukaniso. Lokhu kungenxa yokuthi bona bangamaJuda abadinga usizo njalo lezihambi, okuholela izindleko ezengeziwe.

Ikhodi Komkhaya kunikeza ukuthi ukondla obushade naye emuva kwesehlukaniso izinkokhelo akufanele ziphazamise noma lilimaze nesimo sezimali nabazali. Ngokuqinisekile, noma ngabe isiphi isikhathi kungenziwa Akubuyisiwe ngaphansi "ukwephula sezimali", kodwa umkhuba, izinkantolo akuvamile uyavumelana enjalo okubekwe ngayo kwabamangali. Noma kunjalo, ukuthola ukukhubazeka kunjalo ezingavamile lapho izinkantolo ukunciphisa noma ukhansele ngokuphelele ukondla obushade naye emuva kwesehlukaniso.

Ukwehla engenayo olusemthethweni noma inkokhelo "ezimvilophini"

Ukuthola ukukhubazeka - indlela ivelakancane sokugwema ukondla obushade naye emuva kwesehlukaniso zomthetho ngenxa yokuthi vele ukuthi akuwona wonke, ngenhlanhla, impilo embi kangaka. Kuthiwani ngalo lonke? Indlela akhokhe kancane nesondlo kuka kuyadingeka, uma umuntu enempilo futhi ngeke uthole ukukhubazeka?

Enye yezindlela ezivamile, kodwa ezingekho emthethweni - useyayamukela inkokhelo "ezimvilophini". Namuhla, izinkampani eziningi emuva, "yiya ku ithunzi," njengokungathi isikhathi sakhe nineties kwekhulu elidlule, kusukela nsuku zonke inani izintela, izimali kanye amalevi ku inyuka zwe. Lokhu isetshenziswa bentela eziningi abayikhokhela nesondlo ngesisekelo esisemthethweni kunokuba nomholo langempela.

Kwesinye isikhathi izinkokhelo ngenyanga okuncane ukuze they are cha fana anele eyodwa kilogram uswidi ingane. Kulesi simo, abesifazane kuphela ukuzwelana: ukuba afune ukuba ama-obeshade ukhokhe inani elimisiwe esekelwe inkokhelo isilinganiso kuleli zwe, kulesi simo, ngeke zisebenze. Ex-unkosikazi uqale ukufakazela ukuthi nomholo wangempela ngomfazi okuningi esisemthethweni ngaphezulu. Kuphela kuleli cala, inkantolo ingakhipha basuse futhi ukusungula yokukhokha esekelwe inkokhelo isilinganiso kuleli zwe.

Ukwabela ezihleliwe lemali yemali

Indlela yokukhokha ukusekela ingane encane, uma ngaso sonke asihlali ku ukuphila ngemva izinkokhelo ngenxa? Enye indlela iwukuba liqoke isamba yikomiti yokwahlulela esinqunyiwe. Ngu le ndlela kaningi usebenzisa lezo abazali abakhulisa izingane ezincane. Bacela izinkantolo ukuba amise fixed isamba ukondla obushade naye emuva kwesehlukaniso, esekelwe inkokhelo isilinganiso kuleli zwe.

Le nkokhelo angacelwa, isibonelo, uma owakwakho isikhathi eside ungakwazi ukuthola umsebenzi, noma ine umthombo engazinzile imali. Lokhu kungenzeka ngomqondo wokuthi icala, uma ukondla obushade naye emuva kwesehlukaniso inkokhelo esemthethweni futhi unomphela, kodwa ngemva kokuba inkokhelo imali ku-akhawunti wasibeka uhlala esingaphansi ubuncane ukudla. Yiqiniso, ukunciphisa umnyuziki akuyona ekufanelekele ukulindelwa, ngoba ngokomthetho ezweni lethu enikeziwe inani eliphansi, okuyinto-0.1% ubuncane ukudla. ukubala wayo ungaba kokubili esifundeni futhi ezweni lonke. It incike isinqumo senkantolo, izenzo zomthetho, kanye nalokho okucatshangwa amaqembu.

Ukuzalwa noma ukwamukelwa (ukwamukelwa) nezinye izingane

Indlela akhokhe kancane nesondlo indlela zomthetho, uma ukondla obushade naye emuva kwesehlukaniso has a umndeni omusha lapho enye ingane izalwe? Ngenxa yalesi umfazi omusha kufanele amangalele umyeni wakhe njengoba ukondla obushade naye emuva kwesehlukaniso. Isehlukaniso kuleli cala asikho isidingo, njengoba Ikhodi Umkhaya yezwe inikeza ukukhokhwa ukondla obushade naye emuva kwesehlukaniso, ngisho emshadweni. Ngu asesebenzisa imikhuba enjalo zande eminyakeni yamuva. Kungenzeka kanjani lokhu ugcine? Ngokomthetho ingane eyodwa igcinwe inkokhelo in inani 25% yomholo. Lapho ingane yesibili, leli nani kwandisa ukuba 33% amabili. Ngenxa yalokho, i-ex-unkosikazi nge-scheme esisemthethweni kuyodingeka anamukeliswa 25% njengoba ngaphambili, kodwa% 16 kuphela.

Lokhu kusebenza futhi ukwamukelwa (ukwamukelwa) kwezingane. Okungukuthi, engena ezindlini ngezindlu uzungu nomkakhe entsha, ungakwazi kakhulu Ukugcina Ingcenye eqakathekileko yomsebenzi wehlelo isabelomali umndeni.

Imiholo yabantu Inkulu kakhulu

Indlela akhokhe kancane nesondlo ex-unkosikazi, uma imiholo, kunalokho, iphakeme kakhulu? Ake owayengumyeni wakhe uhola ecishe ibe yizinkulungwane 500. Per ngenyanga. Ikota madlana kuyoba izinkulungwane 125. Ruble. Sivumelana ngokuthi iholo isilinganiso ezweni ukondla obushade naye emuva kwesehlukaniso e inani ayizinkulungwane 6-7. Ruble, lemali kuyaphawuleka ngempela. Yebo, kanye nomholo ezweni lawo lalingaba zinkulungwane 30. Per ngenyanga. Ngezinye lezi zilinganiso ezingabantu ngokuvamile kuphakama umbuzo mayelana nalokho imali sakhe singasuki esichithwa umntwana, kodwa kokuqukethwe unina. Kulokhu, ungafaka icala, lapho inkantolo ungahlangana futhi ukunciphisa izinkokhelo. Kuyinto esisemthethweni, njengengxenye 2, kweKhodi Family, Article 81 ivumela kokubili ukwehla Ingxenye ukugcinwa kanye izithelo zawo. Ngamanye amazwi, u-25% womnotho nesondlo - kuphela kulawulwa ingxenye. Futhi inkantolo inelungelo ukulungisa, ngokubona kwayo, maphesenti.

Nale ndlela umthetho banciphise izinkokhelo adinga ukwazi leyo umkakhe ubesenkantolo ngeke akwazi ukufakazela ukuthi zonke izimali zisetshenziswa kuphela ingane. Nokho, kungaba ukwethula inkantolo yonke amasheke namarisidi sokukhokha amathoyizi, izingubo zezingane, imibuthano ezemfundo, kanye nabanye. Kulokhu, ukufeza nokuncipha izinkokhelo akunakwenzeka ukuba aphumelele.

Izimali wengane abafinyelela eminyakeni yobudala engu-16

Indlela akhokhe kancane nesondlo uma ingane eneminyaka eyishumi nesithupha ubudala, waqala ukusebenza bebodwa? Ukuze wenze lokhu, udinga ukufaka isimangalo enkantolo, saveza izimo ezintsha. Nokho, uyokwaneliswa kuphela uma imali ngokuphelele noma ingxenye ihlanganisa izidingo ingane. Lokhu kusebenza futhi izimo lapho abaneminyaka engu eyishumi nesithupha litholakale efulethini noma impahla kwamanye, nengeniso okuletha izinsiza abalulekile nezidingo zalo. Kodwa ungakhohlwa caveat ukuthi ukondla obushade naye emuva kwesehlukaniso kumele kube iholo eliphansi kuleli cala.

Ukuba khona nje lokukhokha komunye oyedwa abanye abantu ngubani bathembele

Kanjani ukukhokha imali yesondlo kancane, uma yomkhokhi has a sincike abanye abantu, ezifana abazali asebekhulile? Ingabe kungokomthetho ukubasiza ngokwezezimali alimaze izingane zabo? Bambalwa abantu bazi ezweni lethu, kodwa ukondla obushade naye emuva kwesehlukaniso akuzona kuphela ukuqinisekisa izingane, kodwa futhi ukuze usize abazali asebekhulile.

Uma kukhona Eqinisweni efakazelwe ukuthi wesibili njalo bedinga usizo olwengeziwe zezimali (ukugula, singenamandla), inkantolo wayengababhubhisa kufanelekile kunganciphisa iphesenti izinkokhelo esivuna nowayengunkosikazi le nezihlobo ezikhulile nasekuthengeni.

Ukwehla engenayo

Njengoba sekushiwo, ingxenye 2 Article 81 Ikhodi Umkhaya sihlinzekela ukwanda ukondla obushade naye emuva kwesehlukaniso, iphesenti kanye nokwehla yayo. Ngakho-ke, isabelo inkokhelo inani 25%, 33% noma 50% nomholo kunemibandela kakhulu futhi incike isinqumo ngazinye inkantolo. Uma izimali lokukhokha komunye oyedwa sika kakhulu kwehle, isibonelo, ngenxa yokugula noma ukulahlekelwa izincwadi zokushayela, kungaba ngezizathu ukwehlisa usizo lwezimali.

Ngokusemthethweni ukukhokha kancane nesondlo kulesi simo? Ukuze wenze lokhu, kufanele afake isicelo enkantolo nge isitatimende ezifanele kwesimangalo, lapho ama-agumenti ukwethula icala layo.

Indlela akhokhe kancane nesondlo, uma ungasebenzi?

Enye yezinkinga ezinkulu emphakathini wethu - ukondla obushade naye emuva kwesehlukaniso abangasebenzi. Abanalo umthombo engenayo unomphela, Ngakho-ke, u-25% omholo wazo zero.

uyise Chad sika okhokhela nesondlo ingaphansi isikhundla noma cha sibabhadele nhlobo ngenxa yokuntuleka imali unomphela. Nokho, uma izinkantolo bayahamba athambise isandla payers, okwakuthe ngenxa yokungathathi obumbi kungenzeka amacala ukulahlekelwa eningi yezinzuzo ke ohlangothini ukondla obushade naye emuva kwesehlukaniso abangasebenzi bathola ezingavamile kakhulu.

nowayengunkosikazi engxenyeni yokugcina isicelo indlela enjalo sibalo njengoba ukusungulwa yokukhokha esonto. Bathembele inkokhelo isilinganiso kuleli zwe, futhi kuba, ngezinye izikhathi, izikhathi eziningana ephakeme ukwedlula izinga langempela inkokhelo, isibonelo, emaphandleni, lapho uhlala futhi usebenza ukondla obushade naye emuva kwesehlukaniso. Ngenxa yalokho, lokukhokha komunye oyedwa uthola izigqila ezinkulu zezimali, futhi izikweletu zayo ukhula inchubekelembili weJiyomethri. Ekusebenteni, kwaba nezigameko lapho owesifazane - ummeli - vysudila nge abangasebenzi owayengumyeni wakhe abangaba yizigidi ezingu-18 ruble ngoba ukondla obushade naye emuva kwesehlukaniso.

Indlela yokukhokha nesondlo izakhamuzi ezincane ze-non-ukusebenza ngokomthetho? Ukuze wenze lokhu, kukhona enye indlela ephumelela: ukubhalisa esikhungweni umsebenzi. Ingabe inani lemali elincane iinzuzo ezizokulethwa kakade kubhekwe iholo unomphela ngesisekelo okuyinto kungenzeka ukuba esikhundleni sokukhokha efakwe ngaphambilini ye-ukondla obushade naye emuva kwesehlukaniso njengoba esonto of inkokhelo isilinganiso kuleli zwe.

okutholakele

Yiqiniso, isihloko ukunciphisa izinkokhelo ukondla obushade naye emuva kwesehlukaniso yena ngempela akakuthandanga ex-amakhosikazi, eyamukelayo yabo. Kodwa futhi, ukuthi nesondlo - akuyona impesheni encike sika enqwabelene ukuzalwa kwengane.

Isibopho ukunikeza ukuba baphile kahle ngomntwana esiphathiswe bobabili abazali. Ngeshwa, abantu incazelo eyayingasahambisani nokuqonda okunjalo akukhona nhlobo abesifazane Russian. Bakholelwa ukuthi kuphela umyeni uzahlangana zonke izidingo zezimali ingane. Abanye omama ukuphatha ingxenye enkulu nesondlo ukuze ekuchitha kwezokuzijabulisa yabo. Ngo umkhuba zokwahlulela, ngisho liye efakazelwe ezimweni lapho imali ukondla obushade naye emuva kwesehlukaniso izinkokhelo echithwa izipho ezibizayo kubayeni entsha. Ezimweni ezinjalo kungenziwa kuphela kushintshwe ex-amadoda ukuba senqabe ukukhokhela nesondlo ngokugcwele bese bebheka izindlela zomthetho ukuze unciphise izinkokhelo.