Kulokho ongase ukwazi ngaso ukuchitha inhlokodolobha womama? Ukusetshenziswa dolobha womama

Nokubeletha dolobha - a uxhaso nesimo ngemindeni nezingane ezimbili noma ngaphezulu. Kusukela ngo-2007, wakhipha isitifiketi gama elikhethekile-njongo. Lokho ngokomthetho ukusebenzisa imali ngokwezwi lakho lokuzikhethela engenakwenzeka. Ngakho, abazali abaningi bangabaze: "Uma ucabanga yini eyenza ungachitha inhlokodolobha womama?".

Yini lena

Okokuqala, lokhu uxhaso isimo imindeni kokuba izingane ezimbili noma ngaphezulu. It ikhishwa ngesimo isitifiketi, kungaba letitawusetjentiswa ngenhloso letsite kuphela, bheka ngezansi.

Uhlelo waqala ukusebenza ngomhlaka 1 Januwari 2007, futhi igama elithi ngemva kokuqedwa kwalo kuhlelelwe Disemba 2016, kodwa kubhekwa ukunweba ke kuze 2025. Ngo-2015 inani womama dolobha zaba ruble 453.026, futhi hhayi afakwe 2016.

Ngakho, naphezu kweqiniso lokuthi isitifiketi ikhishwa kuphela nalabo bazali abanabantwana ezimbili noma ngaphezulu, lapho ingeyona ingane ethile futhi umndeni. Okusho ukuthi ingasetshenziswa kufanele, ikhumbula izithakazelo wonke umndeni.

Lisho ukuthi ubani ofanelwe isitifiketi

ukusihlola kufanele inikezwe njengenkulumo, ukuthola leso sikhathi futhi bachitha dolobha kwabakhulelwe onelungelo ukwenza kanjalo. Umamukeli isitifiketi kungaba isakhamuzi Russian Federation noma umuntu kokuba yisakhamuzi ezimbili , futhi bayohlala kuwo phesheya.

Ngakho kungaba umama isitifiketi ukuthi ingane yesibili noma yesithathu ngo-January 2007, kanye ukungabi khona uyise lapho unina, isibonelo, mayelana nokufa, ngenxa ukulahlekelwa amandla noma bokuhlukaniswa ilungelo lobuzali. Yenza isitifiketi kungase abancane ingane noma umfundi esigcwele ingane, intsha abaneminyaka kuze iminyaka 23, uma maqondana abazali bakhe unqamule izinyathelo kuxhaswa kuhulumeni.

isitifiketi imvume

Ngaphambi kokuba unqume kuphi ukuchitha inhlokodolobha womama, kubalulekile ukuba ahlele ukumelwa sendawo Pension Fund. Ukuze wenze lokhu, lungiselela iphakethe kwemibhalo:

• iphasiphothi noma ezinye umazisi lomuntu ofake isicelo;
• izitifiketi zokuzalwa, ukutholwa kwezingane;
• SNILS isicelo nezingane;
• ubufakazi lobuzwe;
• isitatimende.

Imibhalo kumele kuthunyelwe endaweni yokuhlala noma ukuhlala. Yabo Ukubuyekeza gama 1 inyanga emva ukwamukelwa. Pension Fund kufanele sazise umfakisicelo ngesinqumo ezithathwe incwadi erejistiwe. Ngemva kwalokho, kufanele kuvele umfanekiso indawo futhi uthola isitifiketi.

target ukusetshenziswa

Manje kubalulekile ukukhomba, ungachitha inhlokodolobha womama ngaziphi izinjongo. Izimali ezibekelwe ngumbuso, kungenziwa esichithwa:

• Ukuthengwa noma ukwakhiwa kwezakhiwo zokuhlala, senkokhelo imalimboleko izindlu njengendlela yokukhokha phansi ukuthengwa kwezindlu mortgage.
• On emfundweni yezingane e zomphakathi kanye nezizimele, kodwa sekudlule isimo segunya izikhungo zemfundo.
• Ingxenye uxhaso zomsebenzi izimpesheni in umphakathi Pension Fund, noma ewodwa.

Kuze kube manje, akukho okushintshile, kanye nohlu (okuyinto ungachitha inhlokodolobha womama) uhlala efanele.

Uzisebenzisa kanjani isitifiketi ukwenza ngcono izimo zezindlu

Njengoba ungachitha womama dolobha kufanele bacabangisise ngcono izimo zokuphila imikhaya. Okokuqala, lapha lingumthetho ukuthi kungenziwa igcwaliseke esebenzisa kuphela lapho ingane iphendula emithathu ubudala. Okwesibili, kufanele kucatshangelwe izithakazelo wonke amalungu omndeni.

Nachto ungachitha inhlokodolobha womama ukwenza ngcono izimo zezindlu:

• Ukuthenga indawo, indlu noma ezinye izakhiwo zezindlu neyaziwayo, ngokulandelana izakhiwo suburban azikwazi ukuthengwa.
• Ukuze uthole inkokhelo phansi loan mortgage ukuthenga izindlu.
• Ukuba abuyisele mortgage noma ezinye loan izindlu. Ungakwazi abuyisele njengoba izikweletu noma inzalo emalini mortgage.
• Ukutshala izimali zami kule ukwakhiwa ahlangene indlu. Kungenzeka ukuthenga indawo endlini elalisanda kwakhiwa.
• On kabusha indlu, isibonelo, ukwandisa indawo ethile endlini yangasese, noma ukwakhiwa ezinwetshiwe ekamelweni elisophahleni lwendlu.
• Ukuze ekwakheni indlu yangasese.

Inguqulo yakamuva inikeza abanye umehluko wemisindo nemiqondo yamagama. Okokuqala, kuzomele kube indlu owakhiwe futhi sikulungele ukuba kuphilwe kuso bonke unyaka. Okwesibili, ukuthenga indlu yitoho ezweni ukudayiswa kwezindlu nezwe kufanele ikhishwe eceleni, njengoba bangakunaki isitifiketi kungenziwa ukhokhelwe kuphela zokuhlala. Ekugcineni, umkhaya ungenza umsebenzi wokwakha ngezindleko zayo, ngenkathi sigcina zonke izaphulelo, futhi ngemva kweminyaka engu-3 kuya isicelo nokubuyiselwa izindleko.

Yini imibhalo sokulungiselela isitifiketi ukwenza ngcono izimo zezindlu

Kuyadingeka ukuba balungise amaphepha afanele, futhi ziyasebenza uMnyango Pension Fund lendawo ohlala kuyo. Uhlu namaphepha adingekayo:

• ukuhlonza kanye nokubhaliswa umnikazi isitifiketi;
• isitifiketi;
• isicelo;
• SNILS;
• ukuzibophezela ebhaliwe, notarized, mayelana nomklamo we izindlu ezakhiwa noma athengwe ku-ubunikazi wonke amalungu omkhaya.

Okulandelayo, udinga ukuthi unikezele ngenkontileka sesikhungo credit okuhlinzeka loan izindlu noma isitatimende sasebhange ngalo lonke uthishanhloko nesithakazelo mortgage, inkontileka yokuthengisa ku indlu noma ifulethi, imvume noma kwakhiwa kabusha indlu efulethini.

Indlela ukuchitha inhlokodolobha womama ukuze lokuyofunda eyunivesithi

Ngenxa yokuthi ukuqeqeshwa amanyuvesi namuhla ngempela eqolo, kungenzeka ukuba uqaphele le migomo dolobha kamama. Kulokho ongase ukwazi ngaso ukuchitha imali:

• ukufunda emanyuvesi endaweni we Russian Federation;
• ukuthola izifundo wezemfundo, okumele accredited;
• phezu imfundo wengane, uma engaphansi kwengu-25 ubudala.

cwaningo Pay kungaba ngokugcwele noma ingxenye ukuchitha imali. Akunandaba ukuthi ingane izofunda - lokuqala, lesibili noma lesithathu.

Yini imibhalo kudingeka ukuchitha yibhande lasebunzini lomzali ukuqeqeshwa

Ngaphezu passport wesicelo, isitifiketi SNILS futhi izicelo kudingeka inkontileka sokuqala nesikhungo for ukuhlinzekwa kwezinsizakalo ngokungenzi inzuzo futhi ikhophi Isitifiketi sokugunyazwa of the nyuvesi. Ngaphezu kwalokho, besebenzisa inhlokodolobha womama kungenziwa ukhokhelwe ukuqeqeshwa hhayi kuphela, kodwa futhi ukuhlala ehostela, lokhu kudinga isivumelwano ilungelo lokuhlala kuwo.

Uma umfundi waxoshwa esikoleni, udinga ukuhambisa uhlelo lokusebenza Pension Fund ukuhoxisa izimali bese ubuyela kubo ngezithukuthuku isitifiketi. Balance kusho ungachitha esikhathini esizayo, ngezinhloso ezinikezwe ngumthetho.

Indlela ukuchitha imali womama dolobha uxhaso ingxenye yempesheni

Kuyaphawuleka ukuthi lena ezincane polarity indlela bachithe izimali ngezithukuthuku inhlokodolobha umzali. Mancane kuka-1% abanikazi isitifiketi. Nokho, unina ungadlulisa imali ku-akhawunti ye-ingxenye sezikhalazo impesheni. Futhi ukuhumusha kungenziwa kule sempesheni isimo, futhi ezingekho ngaphansi kukahulumeni.

Kunoma yikuphi, uma lowo wesifazane wabhalela futhi le mali ithunyelwe ku-akhawunti ye-ingxenye uxhaso impesheni zabasebenzi, kungase nganoma isiphi isikhathi ushintsha umqondo wakho futhi liqondise kabusha izimali nezinye izinjongo. Kuleso simo, uma lowo wesifazane akazange aphile isikhathi eside ngaphambi kokuthatha umhlalaphansi, womama dolobha imali ngeke balizuze ifa kwezihlobo eziseduze, okusho umyeni wakhe nabantwana bakhe.

Ingabe sichitha imali ku imoto

Imikhaya eminingi unesithakazelo le nkinga: Ingabe kungenzeka ukuchitha inhlokodolobha womama ukuthenga imoto. Ngeshwa, ukuthenga imoto lezi zimali akukwazi, nakuba inkinga iye kwaphikiswana ku Duma State, kodwa uMthethosivivinywa sinqatshelwe.

Nakuba imindeni eminingi ukuthenga imoto lula ukuphila kwabo. Kodwa ngenkathi ubuzwa, njengoba uthando lwezingane ziyabhekelelwa. Okokuqala, izimoto uthenge lingathengiswa futhi ngaleyo ndlela uthole imali ngokuxhaphaza inhlokodolobha umzali. Okwesibili, izindlu ukwehla isikhathi ngokwanele eside, engesiyo imoto, ngokulandelana, ukuchitha imali ukuba sikuzuze ngezithukuthuku inhlokodolobha umzali okungalungile.

Ngakolunye uhlangothi, abanye imindeni kufanele emakubo nasesikhathini izindlela ukuba sikuzuze, akudingeki. Ukuchitha imali emfundweni yezingane noma wazibeka akhawunti ye umama okhulelwe impesheni - amathemba kunalokho "ezingacacile" futhi yesikhathi eside. Ngakho-ke, ngabo, ukuthenga imoto kungaba inketho ekahle. Kodwa uhlu lokho ongase ukwazi ngaso ukuchitha inhlokodolobha womama, ayikashintshi.

Ngingathola ukheshe

Lo mbuzo cishe ebuzwa njalo umnikazi isitifiketi. Okusho ukuthi, uma ungathola imali ukuze athole isitifiketi kwabakhulelwe dolobha. Kulokho ongase ukwazi ngaso ukuchitha izimali ezibekelwe kohlaka umthetho, it is aziwayo kakade, kodwa hhayi zonke lomkhaya lidinga ukusekelwa okunjalo akukwazi wathi mayelana imali "bukhoma".

Nakanjani ngeke uthole imali, okungukuthi, imithetho encashment we abanikazi isitifiketi singanikezwanga. Kukhona okuhlukile eyodwa kuphela, lapho umkhaya wami wenza ukwakhiwa noma ukwakha kabusha izindlu-akhawunti ayo. Kuzo zonke ezinye izimo, le mali zidluliselwa ku-akhawunti izinkampani ukwakhiwa, abathengisi noma amabhange lapho umnikazi wesitifiketi wenza loan izindlu.

Umthwalo kabi kwezimali

izimali Cash ngezithukuthuku inhlokodolobha umzali uthathwa njengomgcini nokuntshontshwa impahla isimo. Ngakho kudingeka ucabangisise ngaphambi unquma kanjani ukuchitha Kunalokho womama capital nemithetho yezwe lethu.

Ngaphezu kwalokho, i-ubugebengu uzathwala umthwalo lobugebengu lomuntu wathatha ngqo iqhaza ukuqaliswa kohlelo zokukhwabanisa. Ngokwesibonelo, uma imali is selishintshiwe ukwakhiwa ngokuqinile noma isihlobo umnikazi isitifiketi, zingabantu ababehamba.

Kuyaphawuleka ukuthi iziphathimandla ukuqapha ngokucophelela ukusetshenziswa kwezimali kusukela isabelomali isimo. Ngakho-ke, ukuqaphela inhlokodolobha womama kunjalo elula cha.

Lena, mhlawumbe, konke ungachitha inhlokodolobha womama. Azikho izinguquko mayelana nokusetshenziswa kwezimali esikhathini esizayo esiseduze is bazicabange.