Capital zokukhulelwa: ukwandiswa kwenkqubo. ixesha Extension of capital lokubeleka

Le program yenkxaso karhulumente kwiintsapho kunye nabantwana ababini okanye ngaphezulu, eyaziwa ngokuba "capital sikanina" lo, wangena ukusebenza ngo-2007. Ilungelo lokufumana imali evela kurhulumente kwenzeka kanye kuphela, kungakhathaliseki ukuba inani labantwana entsatsheni. Iinjongo leyo kuchithwa imali kubeleka, ezimiselwe ngumthetho, kuba imali "esandleni" akukho kucingelwa. Ubukhulu Iintlawulo kwisithuba 2015-2016 yaba ngaphezu kwama-450 amawaka engange. Ekuqaleni bekucingelwa ukuba olu hlobo lwenkxaso karhulumente iya kuba semthethweni de ngoDisemba 31, 2016. Kodwa ngenxa kwinkqubo "capital lokubeleka" ukuthandwa extension, kwagqitywa ukuphumeza de 2018.

Ngubani onelungelo lokufumana isatifikethi intsapho?

inkxaso karhulumente inikwa ezo iintsapho apho wazalelwa kwaye iye yamkelwa ngokusemthethweni umntwana wesibini (ukuba umntwana emva kokuzalwa isicelo yesibini inkxaso ifakwa, emva kokuzalwa komntwana wesithathu kwaye kananjalo abantwana ezilandelayo uyakwazi ukufumana le ntlawulo).

Kunikezelo isatifikethi ezifumana inkxaso uburhulumente eyenziwe imbonakaliso kwi Pension Fund ka Russian Federation kwindawo ahlala kuyo.

Nini na isicelo capital lokubeleka?

Unyango igama igunya onoxanduva ayiphelelanga emva kokuba umntwana ezelwe. Yeyiphi kuthetha ukuba ungafumana isiqinisekiso emva kwexesha, emva kokuba intsapho yaba yesibini (eyesithathu, eyesine njalo D..) Umntwana. Ekuphela imeko - inkqubo yokusebenza. Ngenxa yokuba le ePalamente iye usonjululwe umba kwilizwe lethu ukuba ukwandiswa elikomkhulu maternity ixesha unyango eyimfuneko ukuze urhulumente. inkxaso ethe chatha. Noko ke, kukho izinto ezifika zibe yimiqobo kwithuba, emva kokuba apho kunokwenzeka ukudlulisela imali eyabelwe iimfuno kuyimfuneko. Sebenzisa imali kangangoko kunokwenzeka emva kokuphunyezwa umntwana wesibini ukuya kwiminyaka emi-3.

Can I phambi kweminyaka 3 ukusebenzisa indlela yesiqinisekiso?

Kukho ithuba loku-odola esebenzisa yenkqubo eyinkunzi umzali ngaphambili, mhlawumbi ufuna ukuba bafumane ikhredithi ngenxa ukuthenga ipropati yendawo yokuhlala usebenzise imali xa intlawulo phantsi. Ukuba unayo inkxaso mali esemthethweni mboleko ukuze ndidleke kuphele, ngenxa ukugqithiswa ngenxa intlawulo yetyala. Ingongoma ebalulekileyo kukuba intlawulo yenziwe kuphela kwisixa lwenqununu kunye nenzala yayo, nto leyo ithetha ukuba intlawulo izohlwayo kweentlawulo emva kwexesha kwaye izohlwayo egameni kwiziko lamatyala iwela emagxeni kubaboleki.

Yintoni enye kufuneka ukuba uyazi?

isiqinisekiso ofileyo kubuyiselwe. Ukuze wenze oku, ndwendwela i-Department of Pension Fund ye-Russian Federation kwindawo yokuhlala ukuze wenze isicelo kunikezelo uxwebhu nempinda.

irhafu Standard kwi nengeniso abantu awusebenzi indlela kwenkunzi umzali.

ukupheliswa ngaphambi ukusebenziseka

Isiqinisekiso yenkxaso karhulumente kupheliswe ukuba isiphumo kuphela kwiimeko ezithile, ezizezi: ukuqala yokufa yomnini isiqinisekiso kaThixo, ukupheliswa amalungelo lobuzali loo mntwana, emva kokuzalwa eza ilungelo lokufumana inkxaso evela kurhulumente (ngokufanayo njengokuba kurhoxiswe wokwamkelwa).

Ubude lwenkqubo 'capital sikanina "

Njengoko sele kukhankanyiwe, ixesha apho le fomu ogama ngasentla-esebenza yenkxaso, bekulindeleke ukuba kuphelelwa ekupheleni kukaDisemba 2016. Nangona kunjalo, ngenxa imfuneko ukuxhasa iintsapho kunye nabantwana ababini okanye ngaphezulu kunye nokugcinwa imeko zendawo, kwagqitywa ukwandisa ixesha le ntlawulo lwenkqubo 'ezinkulu sikanina ". Extension, ngokomthetho ezihlaziyiweyo yamkelwe phambi kokuphela kuka-2018.

Ke isixa sentlawulo, yena, njengoko kwiminyaka engaphambili, uya indexed. Imali ngqo "capital maternity" iNkqubo, ukwandiswa olwalubanjwe ngowama-2016, ukususela ngoJanuwari 2017, zange igqitywe. Okwangoku eyaziwa umdla kuphela, nto leyo linokusetyenziswa izinga langoku ixesha elizayo-6% kunye 5.1%. Kulo mzekelo, kukho i-risk yokuba ukunyuka ubungakanani intlawulo akwenzeki ngenxa meko ezinzima zoqoqosho. Eneneni, ukuthandwa inkqubo yokwaba imali kwiintsapho kunye nabantwana ababini okanye nangaphezulu, kunye nabo bonke ukunyuka nyaka ngamnye, nto leyo ithetha ukuba kufuneka ukwandisa inkcitho karhulumente ukuze capital lokubeleka.

Abazali abaninzi abasafakwe izicwangciso ukuba umntwana wesibini, bezibuza ukuba ingaba ukwandiswa capital lokubeleka icetyelwe? Kuza kwenzeka ntoni kule nkqubo karhulumente emva komhla saso, ayaziwa. Ingaba yenye iinketho ezininzi: inkqubo lizakumiswa (umzekelo ngenxa ukuzalisekisa iinjongo, ukungabi nemali lweentlawulo, ukungaphumeleli, njl ...), Ixesha ukwandiswa eyinkunzi umzali ziza kwandiswa, izakutshintsha imiqathango ukusetyenziswa kweemali ezabelwe oku. Nangona IPalamente sele waphakamisa lo mbuzo. Esi sicwangciso wayengekho kuphela ukwandisa eli gama, kodwa kwakhona isixa isiqinisekiso "capital sikanina". Ukwandiswa kwenkqubo de-2025, liye kwi-ajenda, ingqalelo kwexesha.

ingasetyenziswa njani na isiqinisekiso?

Ngokuhambelana kunye nemimiselo ngoku, kukho iindlela ezininzi apho imali kuluhlu capital umzali.

1. Ukuphuculwa bomkhaya. Le ndlela yeyona ethandwa, ukususela umba iimeko zokuphila usoloko efanelekileyo. Inani elikhulu iintsapho ukuba yinkqubo 'capital sikanina "isetyenziselwa ukuphucula iimeko zabo zokuphila. Ulwandiso kubangelwa ubukhulu becala kule ukuthandwa. Kuyaqondakala ukuba kukuphuculwa kweemeko zokuphila kungaba ngenxa:

• kunye nokuthengwa kwempahla zokuhlala iimali ezifunyenwe yi kwimvumelwano esemthethweni esuka ebhankini okanye elinye iziko lamatyala.

• kwimfuneko yokuba umsebenzi wokwakha kwikhaya labucala.

Kwimeko yokuqala, ilungelo lokusebenzisa imali eyabelwe ngurhulumente, uza ubudala seminyaka emithathu-womntwana, oko kukuthi ngaphambi schedule. Ngelo imali kwangelo xesha isiqinisekiso kuthunyelwa kwi-akhawunti webhanki okanye enye intlangano yetyala lakho njengoko intlawulo yokuqala kwi-mboleko, okanye ukunciphisa ubungakanani sobume ityala lonke eliyimali odlulileyo.

2. Formation inxalenye ezixhaswa kweentlawulo pension ukuya unina (kunye yolawulo okanye ingxowa-mali yomhlalaphantsi yabucala). Le ndawo yokuba ukusetyenziswa kwemali bakhetha kakhulu alufane kunezinye iindlela.

3. Imbuyekezo iindleko zeenkonzo kunye nempahla ethengelwe lithathelwe loluntu ekuhlaleni abantwana abakhubazekileyo. Uluhlu kweempahla kunye neenkonzo, iindleko ezinokuthi babuyela kubazali babo, echazwe nezikhuselekileyo ngokwasemthethweni (funda oko kuba kwi-ofisi pension fund okanye ngokundwendwela i resource Internet ezisemthethweni agency). Imbuyekezo ukuba iindleko zeenkonzo zonyango kunye nemisebenzi hayi ibeke.

4. Intlawulo yokufunda komntwana kumaziko uthole emfundo, izikolo zasesekondari, iikholeji, amaziko kunye namanye amaziko emfundo banelungelo ukubonelela ngeenkonzo ezifanelekileyo zoluntu. Iimali zodluliselo iinkonzo zemfundo inokuba zombini umntwana kunye nabantwana ezimbalwa, ngokupheleleyo okanye inxalenye. An ezincinane ebalulekileyo ubudala umntwana: capital lokubeleka pay zokufunda kunokuba abantwana abathe bengekafiki kwiminyaka engamashumi amabini anesihlanu.

isiphelo

isiqinisekiso Family kwenza kube lula ukuba iintsapho ukwenza indlela qualitative ukuya kuphuhliso lwemfundo yabantwana, ezifikelela kuzo zonke iinkalo abaluleke kakhulu yaye zibiza imali eninzi yobomi. Ngenxa ukuthandwa inkxaso yoluntu ligqithise umthetho ukwandisa capital ngosana, nto leyo iya kuqhuba de kube sekupheleni kuka-2018.