Izinzuzo izingane indlela ukuhlobisa? Izici design nomkhiqizo

Injongo eyinhloko, okuyinto lihlelwe ukudala umndeni - ukuzala. Abazali abasha kufanele uqaphele ukuthi ngenxa ezinzima isimo lokubala ubuningi babantu ezweni, uhulumeni liyaweseka izingane ezincane izinzuzo ahlukahlukene impahla. Okwamanje, kunezinhlobo izinzuzo eziningi bangathola imikhakha ethile yezakhamuzi. Lolu lwazi kudingeka, ngoba manje ezimbalwa abantu abakwazi ukuqhosha ukuchuma ngokwezimali, iningi namanje bahlala ezingeni maphakathi noma eliphansi kakhulu. Mayelana nomkhosi wokuhlanganisa penny extra kunoma ubani hhayi ubuhlungu. Ngakho, yini izinkokhelo bangalindela womkhaya osemncane futhi indlela ukuhlobisa emalini zezingane?

Amafomu usizo lwezimali

Kukhona division of ekukhokheleni yombuso kanye zesifunda. Ukuze uthole ukuthi lapho izingane ukudweba, kubalulekile ukuba bahlukanise phakathi ezingeni ukusekelwa ngokwezimali. izinkokhelo enziwa ngokuqondile yengcebo sikahulumeni. izinkokhelo ezinjalo zibalwa bonke abakhileyo kuleli zwe lapho umntwana azalelwa khona.

Igama "nesabelo zesifunda" liyazikhulumela. Lezi inkokhelo eyenziwe ngokuqinile ezindaweni kanye nezifunda futhi ezibhekwa ozikhethela. Ukwamukela kwabo bangalindela kuphela izakhamuzi subject ethize we Russian Federation. Lezi izinkokhelo enzelwe ukusekela labantu emphakathini abasengozini zisekelwa kusukela isabelomali wendawo.

Mayelana izinzuzo lesifunda kungcono kakhulu ukucacisa bebodwa, njengoba inhlangano ngayinye has imithetho yayo siqu neziqondiso, futhi zihluke ngokuphelele olimini nomunye. Lesi sihloko sizohlola indlela ukuhlobisa izinzuzo zezingane sikahulumeni.

Ngubani ongabala ku lwezimali?

Ukuze womkhaya osemncane bangathola ingane inzuzo, kumele uyifeze ezimeni eziningana. Okokuqala, imfuneko iyona kuhlalisana abazali nezingane. Okwesibili, isimo sezimali akufanele babe nemali. It kuvela ukuthi izinkokhelo namhlanje awabelwene ngokulinganayo.

Cabanga nezigaba ayafaneleka ukuthola izinzuzo:

• nemindeni iholo eliphansi;
• izingane ezempi;
• yizingane ezinabazali bayenqaba ukukhokha nesondlo;
• nezingane ezikhubazekile kanye ukukhuthazela kwabazali abanakekela kwabo;
• nabesifazane abangabafundi abakhuthele wedwa bokukhulisa umntwana;
• uma ukushona komzali.

Uma umndeni kungokwalabo esisodwa sezigaba ezingenhla, qiniseka uxhumane iziphathimandla ezifanele anezimangalo. Udinga siyicabangele ngokucophelela indlela ukuhlela ingane ingane, bese beqala ukuthatha isinyathelo.

Uhlu kwemibhalo edingekayo

Njengoba wazi, uma wasuthisa isiphi isitatimende, kubalulekile ukuba sisebenzise leli phephandaba olusemthethweni. Ngokushesha ezidingekayo ukuxazulula inkinga lapho ukuba amphuzise ingane nesabelo. Ama-ejensi ukuphepha komphakathi. Kube udinge ukuxhumana nge iphakethe madokumende alandelayo:

• isitatimende umamukeli, ke kuvezwa inombolo ye-akhawunti yasebhange imininingwane egcwele izinhlangano zezimali kanye credit;
• Imibhalo eqinisekisa ubunikazi abazali bengane;
• isitifiketi somshado;
• Ikhophi yesitifiketi wengane lokuzalwa noma ipasipoti (uma ikhona);
• idokhumenti okufakazela ekamelweni yabazali nengane;
• uma inzuzo izokhokhwa kwengane eneminyaka engaphezu kwengu-16 ubudala, kudingeka balethe isitifiketi esikhungweni semfundo kwezemfundo;
• isitifiketi imali yabazali.

Inqubo lokukhokha

Indlela yokwenza izingane phezu ingane? Phela amaphepha adingekayo izothunyelwa emagunyeni yokuphepha komphakathi (indawo yokuhlala abazali), iqala kokucubungula isicelo. Njengoba ojwayelekile, isinqumo isikhathi zokhahlamba kusuka 10 kuya 30 days. Inyanga udinga ukuthola amaphuzu kombango.

Ngokomthetho, lenkathi yokukhokha kuyinto iminyaka emibili, bese ufuna ukuqinisekisa isimo emndenini ompofu. Khona-ke wonke amaphepha olusemthethweni kumele kuqoqwe futhi. ukucutshungulwa Isicelo isikhathi ayiguquki. Nokho, uma le nqubo imisiwe, umuntu ofake isicelo, isaziso. Ekusebenteni, udaba ulula ingane nesabelo. Into esemqoka ukuthi umndeni wayevela komunye izigaba ezingaphezulu.

Indlela yokwenza izingane? elikhokhwayo

Kuye isimo sabo sezimali kanye nesimo emphakathini, ukusetha inani ezahlukene ukukhokha. Ezimweni eziningi, izinzuzo inyanga ngayinye ukuthola imikhaya ehola kancane. Lezi zihlanganisa nalabo lapho imali ezinsukwini ezingu-30 esingaphansi ubuncane ukudla. Ngokomthetho, unina kuphela ukuthi ukukhulisa ingane, nibaluleke 100%. Uma kulokhu kakhudlwana uyise engakhokhi nesondlo ke inkokhelo luyanda ngomunye 50%.

Ezweni lethu, kuzo zonke izifundo ukusetha inani elihlukile isilungisiwe. ERussia ngokwesilinganiso ingane nesabelo kuyinto ruble 500-600. Uma umama kuphakamisa umntwana eyedwa, uyabuthola, ngokulandelana, ruble 1000-1200 ngenyanga.

WokuNakekelwa kweZingane Izinkokhelo

Leli bhukwana lenzelwe ukuba omama abaneminyaka nsuku nengane yakho. Labo babe umsebenzi ohlelekile, bangathembela 40% inkokhelo isilinganiso. Omama abangafuni ngokusemthethweni ukusebenza, banelungelo lokuthola inkokhelo ejensi ukuphepha komphakathi. Inkokhelo ingane eyodwa ruble 2,700 amabili - ruble mayelana 6000. Kanjani ukuze wenze ingane inzuzo?

Ngomqondo onabile, hhayi inqubo sesishintshile, udinga ukuqoqa amaphepha adingekayo bese uhambisa ezithweni ekhethekile. Labo ababa nakho abesifazane abaya zinendawo ezisemthethweni emsebenzini, kufanele ubhalele inhloko ecela ukukhokhwa kwemihlomulo kanye nezitifiketi zokuzalwa zezingane.

Indlela yokwenza izingane omama non-ziyasebenza? Badinga ukulungiselela lezi zincwadi ezilandelayo:

• isitatimende isicelo ekukhokheni uhlolwa;
• isitifiketi sokuzalwa sengane;
• ikhophi yencwadi umsebenzi ikhasi eliqukethe Eqinisweni yokuxoshwa ngesikhathi sokukhulelwa (uma ikhona);
• isitifiketi isilinganiso somholo ngenyanga wokugcina 2 iminyaka;
• idokhumenti okufakazela ukuthi njengamanje inzuzo icala.

Uma owesifazane eke khenge, iqalisa inani eliphansi yokukhokha. Izinkokhelo kuphele lapho ingane eba neminyaka engu-1.5.

Inkokhelo lapho kuzalwa umntwana

Okuxakayo ukuthi isimo ukhuthaza zonke owesifazane ukuze sithuthukise isimo lokubala ubuningi babantu ezweni. omama Zonke-entsha anelungelo ukwamukela le nkokhelo. Kuyaphawuleka ukuthi wesikhathi esisodwa, futhi awukwazi ukuthole kabili.

Kuze kube manje, inani inkokhelo for ukuzalwa umntwana ruble mayelana 15.500. Indlela angabonelela zezingane? Ukuze wenze lokhu, udinga ukunikeza amaphepha asemthethweni adingekayo ukuze le nqubo. Ziyakwazi:

• isitifiketi sokuzalwa sengane;
• usizo kwamanye amalungu omkhaya;
• isitifiketi esitokisini noma sehlukaniso;
• isicelo ngqo uqobo.

Kuphi ukuba amphuzise ingane nesabelo? neziphathimandla yokuphepha komphakathi noma inhlangano lapho umemukeli usebenza: Kukhona izinketho ezimbili kukhona.

Izinhlobo ukweseka imindeni abasha nengane

Ngaphezu usizo lwezimali letiniketwa ngumbuso kanye nezinye izinzuzo. Phuma:

• izingane ezingaphansi kweminyaka emithathu izidakamizwa, imithi by kadokotela, kuthiwa okukhishwa mahhala;
• uma isibalo izingane ekhaya mkhulu noma elilingana ezintathu, ezifundeni eziningi zinikeza inkokhelo eyengeziwe;
• kwezinye izimo kungenzeka isinxephezelo imali ekhokhelwe enkulisa (25-65%).

Uhlu izinzuzo kanye nezinkokhelo kushintsha njalo, futhi abazali ezintsha kufanele wengamele le njalo. Manje siyazi ukuthi ukuhlela ingane nesabelo. Lokhu ngeke singakhohliswa ngokuxhumana iziphathimandla yokuphepha komphakathi, kanye ukunikeza ithemba ukuthi baqinisile.