Inkokhelo ngomntwana lwesithathu: usayizi, ukubhaliswa zokukhokha, imibhalo

Iba iyunithi enkulu umphakathi - nzima ukwenza isinqumo imikhaya kakhulu ezweni lethu. Isizathu kwaba nokwesaba echo sangaphakathi inhlekelele nineties, okuyinto kule suku ekhumbuza zalo. Ukungazinzi kwezombusazwe nezomnotho leyo minyaka kwenza izingane bakhathazekile ngekusasa, okuyinto ebaluleke for abakhathalelayo nabanokwethenjelwa. Nokho, uhulumeni waseRussia usanda kwethula lento eziningi izikweletu, okuholela ekulweni isimo lokubala ubuningi babantu zamanje. Kakade kulo nyaka, inkokhelo ukuze ingane yesithathu kakhulu asekelwe imikhaya eminingi nezingane.

Umndeni unezingane ezintathu. Yini yokukhokha ungathola abazali? Minyaka yonke uhlu izinzuzo kuyahlukahluka. Ngakho-ke, akubona bonke abazali abawazi amalungelo abo, noma ngabe ingane engaphezu kweyodwa. Izinto eziza kuqala.

Kuyini dolobha kamama?

Qala izinhlelo okunenjongo futhi abalulekile ezifana dolobha kwabakhulelwe, okwenzeka cishe 10 edlule futhi waba usizo olukhulu ngemindeni nezingane abafuna ukukhulisa ezingeni eliphakeme lokuphila induduzo izingane zabo. Abanye baye banquma ukuba zithole izindawo zokuhlala ezingcono, abanye baye wathenga imoto wonke umndeni. Kuzo zombili lezi zimo, izimo ezimpilweni zezingane zishintshile kakhulu. inhlokodolobha nal olunikezwa imindeni emikhulu kanye abanakekeli, okuyinto ukwesekwa esindayo.

Ukuze nayo yonke iminyaka inhlokodolobha bill womama wathola izigidi zemikhaya Russian. Ingane yesithathu emkhayeni - kungcono injabulo elingenakuphikwa. Nokho, isinqumo sokuqeda uhlelo ekupheleni kwalo nyaka, uphatheke kabi abazali abaningi bajabule.

Kodwa lokho isenzakalo esingakabonakali esizolandela? Okusanda, uhulumeni waseRussia wakhipha isitatimende futhi waqinisekisa izakhamuzi ukuqhubeka loluhlelo lwekusebenta kuze 2026. Ngaphezu kwalokho, futhi ngokusho kombiko owandulelayo ochwepheshe, usayizi inhlokodolobha umzali eminyakeni sikhule ruble ayizigidi ezingu-1,5.

Yini ongayenza ukuchitha?

Akuwona wonke umzali has imininingwane mayelana nendlela ongakusebenzisa ngayo ngokomthetho ukuchitha usizo olunjalo uhulumeni kunoma izidingo. Iziqondiso zimi kanje:

• Ezemfundo nezingane ukuthola imfundo.
• Ukuthola noma ukwakhiwa kwezindlu, ngcono izimo zokuphila. Futhi, izimali ungaya inkokhelo semalimboleko.
• Ukuthenga yasekhaya nemoto brand.
• ukwelashwa okubizayo kanye nokuhlumelelisa ingane egulayo.
• isofthiwe umama Okunqwabelanayo.

Ukungabaza ukuthi inhlokodolobha kamama uhlelo inselele zinyamalale ngokwabo. Nge isiqinisekiso izinga lokuzalwa esimweni abahlukene anda.

Izinhlobo kanye nenani izinkokhelo

inhlokodolobha nokubeletha - hhayi kuphela nokukhokhwa imindeni emikhulu. Noma yiziphi izinkokhelo ngesikhathi sokuzalwa sengane yesithathu uzothola abazali bakhe? ERussia, izingane eziningi Unelungelo futhi ngakolunye, izinzuzo kubaluleke ingatholakala ngokushesha ngemva ukulethwa uhlu ecacisiwe kwemibhalo:

• Angabonelela ekunakekeleni ingane. Ngokuvamile kuba usizo lwezimali lokusiza ukunakekelwa ingane futhi eminyakeni nesigamu. Kususelwa kube nesisekelo esingokomthetho, usayizi waso kumele luhambisane nezinzuzo isilinganiso umzali, udonsa inzuzo. Uma isho okuphambene, inkokhelo ukuze ingane yesithathu kanye eminyakeni nesigamu is kubalwa zisuselwa inkokhelo isilinganiso ibhodi umama wokugcina angu-24 ezinyangeni lomsebenzi. Ngokuvamile, isinqumo kufanele senziwe phakathi kwezinsuku ezingu-10. Ngemva kwalokho, le mali idluliselwe indawo kamama lomsebenzi futhi wakhipha ngaphambi ikhefu lokuyobeletha. Uma umama akanawo umsebenzi unomphela noma ukuthola imfundo ephakeme, inkokhelo ukuze ingane yesithathu kuyoba esincane.
• isamba semali. Iyafaneleka le nkokhelo kunikezwa omunye umzali kanye kuphela. Inani usizo imayelana ayizinkulungwane 15. Ruble, inkokhelo okuyokwenziwa endaweni umsebenzi umamukeli (umzali).
• inkokhelo yanyanga zonke ukunakekela ingane futhi eminyakeni nesigamu. Kulokhu, izibalo nesabelo ngeke ibe ngaphansi kuka-40% isilinganiso somholo lomzali izinyanga 24. Ubuncane uhulumeni ukweseka, okuyinto ungathola ungumzali, ngeke neze ukuthi ruble 5.436. Okubalulekile, izinzuzo ongafaka isicelo, kanye nezinye izihlobo ngenxa yezizathu ezihlukahlukene, ngeke unakekele ingane futhi eminyakeni nesigamu.
• nesabelo nyanga zonke iminyaka engaze ibe 3. Ngakho, emkhayeni ingane yesithathu. Izinkokhelo kulokhu kuzoncika ukuchuma umndeni kanye nendawo yokuhlala yayo. A nesabelo nyangazonke lwezimali lokusiza imindeni emikhulu bunohlamvu ngabanye ezingeni lesifunda. Kodwa umhlahlandlela kumiswa isamba kuyoba usayizi iholo elihambelana lomsebenzi wabo, enye ehlukile esifundeni ngasinye.

Imibhalo isibonelelo

Inqubo yokuthola imali ingane support kufanele kuqale isicelo mathupha nge uhlu unamathisele imibhalo edingekayo. izinkokhelo Uhulumeni ngomntwana yesithathu lizoba elakho esifundeni Russia ngamunye. Ngakho, iphakethe amaphepha asekelayo zingahluka. Ukuze uthole uhlu okuthembekile, kumele ufake isicelo eMnyangweni wezeNhlalakahle. abasebenzi Agency lizobuyekeza isimo futhi ukweluleka ukuqoqwa kwemibhalo, futhi kubalwa isikhundla izinzuzo okuyisibonelo.

inkokhelo Regional ngomntwana wesithathu

Ukuze andise izinga lokuzalwa, ngonyaka ka-2012 umongameli we-Russian Federation kwavunyelwana isiyalezo okubandakanya ukwethulwa izincomo izinyathelo ukuze kulungiswe isimo lokubala ubuningi babantu ezweni. Ngenxa yalokho, kwasikiselwa ukuthi imindeni ngezinzuzo ezengeziwe zokuba umntwana anakekele kuze iminyaka 3, okuyinto abantu bayalingana usayizi iholo elihambelana lomsebenzi wabo esifundeni.

izinzuzo ezihambisana kufanele ikhokhwe nyangazonke ingane ize ifinyelela eminyakeni emi-3 ubudala. izifunda Iningi bazamukela emisha ehlongozwayo, kanye neziphathimandla zendawo, izihlinzeko ezifanele seyemukeliwe. Imikhaya eminingi iye wathola ukwesekwa okukhulu ngokwezimali. Nokho, njengoba sinqumo sokweluleka ngokwemvelo, izifunda eziningi baye benqaba ephoqelela zinyathelo.

Izinzuzo ezinkulu emindenini

injabulo engenamkhawulo yabazali - iyona ingane yesithathu. Yini ukubeka izinkokhelo emindenini emikhulu, kwaba sobala. Kodwa izinzuzo kusukela izithakazelo isimo inkampani ngayinye umzali yeseli ezinjalo. Ngaphezu ukusekelwa ngokwezimali ngesimo izibonelelo emindenini abaye kokuzalwa komntwana wesithathu, le mihlomulo elandelayo anikezwa:

• Mortgage obolekisayo.
• imfundo izingane Mahhala noma isinxephezelo for ukuqeqeshwa.
• Izaphulelo ku intela.
• Ukubhalisa Olumangalisayo yengane zasenkulisa.
• Ukwehlisa intengo yemali ukukhokha Tinsita.
• Inqubo ukulungiswa ukuthaka imithi.
• yokugibela encishisiwe ezokuthutha zomphakathi.

inkinga Priority we Russian Federation - izinga lokuzalwa, okuyinto uhulumeni uzama ukuxazulula ngokusebenzisa ukwabiwa isamba eside. Kufanele kuqashelwe ukuthi i-lolo sizo ukunika ithuba imikhaya ukuba azale ingane yesithathu.