Imboleko yemali-mboleko yeMaternity: ukuphononongwa, iimeko

Ukususela ngo-2007, iRashiya inenkqubo yokuxhasa eyenzelwe iintsapho ezine-2 okanye ngaphezulu abantwana. Injongo ephambili yentsapho yenqama yomama kukuphucula ubomi babanini bayo. Iingxowa zingasetyenziselwa ukuphucula izimo zezindlu, ukuhlawula imfundo yabantwana okanye ukwenza umhlala-phantsi womama.

Inkqubo sele isebenza iminyaka eyi-10, kodwa abantu abaninzi abayiqondi imigaqo yokusetyenziswa kwayo. Ngoku unokufumana umboleko wentengo yokubeletha. Ubungqina bubungqina ukuba ukuba uyazi zonke iinkcukacha zenkqubo, ayiyi kuba nzima. Iimali zenzelwe ukwakhiwa okanye ukuvuselelwa kwezakhiwo zokuhlala, kunye nokuthengwa kwazo. Ngoku kukho ithuba lokukhupha imali yokuboleka imali.

Ingcamango

Abaninzi benza imali-mboleko yemali yokubeleka ngemali. Oku kukuthengiswa kwemali, apho ibhanki inikeza imali ethile kwiintsapho. Imali-mboleko yeMaternity isetyenziselwa ukuhlawula umboleko okanye ukuvala ityala.

Ukutshintshwa kweemali ezivela kwiziko lemali ukuya kummkeli ulawulwa yiNgxowa-mali yePensheni. Uyakwamkela izicelo. Ukuba le ngxowa-mali ivumelekile ukudlulisela imali yokuhlawula umboleko, ngoko kufuneka ukhethe ibhanki elungileyo kwaye ulungiselele isivumelwano.

Iintlobo zemali mboleko

Inkqubo karhulumente yokufumana i-capital mother-maternity yamkelwa ngenjongo yokunceda iintsapho apho umntwana wesibini azalwa khona. Urhulumente unikezela uluhlu lweendlela zokufumana oko. Kubalulekile ukukhupha umboleko ojoliswe kuwo, okubandakanya ukucacisa kwisivumelwano semali-mboleko ngokwaso isalathiso sokusebenzisa imali. Iingxelo kufuneka zithunyelwe kumagunya okukhusela uluntu.

Imboleko ingafumaneka ukuze kuphuculwe izimo zezindlu. Ungayisebenzisa kwi:

• Ukufumana imali.
• Ukuthatha inxaxheba kubunikazi obubiweyo.
• Ukwakhiwa kwezindlu ngokuzimeleyo.

Ngaphantsi komthetho, kuvunyelwe ukuhlawula imali kumxhesho womzali we-mortgage, ebhaliswe ngaphambi kokuzalwa komntwana wesibini. Kwaye akukhathaleki ukuba ngubani obolekwe ngemali mboleko: unina okanye uyise. Akukho zithintelo kulo mbandela nguRhulumente.

Umthetho wokuthengiselana

I-Pension Fund ilawula ukuba imimiselo yomthetho iyathotyelwa, phantsi kwayo into eyenzeka ngayo ukuba ufumane umboleko wemali yokubeletha. Ukuphononongwa kukuqinisekisa ukuba kufuneka ukugqiba isivumelwano esilungileyo, kuba ukuphulwa kule ndawo kuhlwaywe kakhulu. Iikhredithi zakhishwa emva kokuba isicelo sivunyiwe yiNgxowa-mali yePensheni. Ngaloo ndlela kuphela umthengi uya kuthathwa njengomthetho.

Ukwenqaba ukuhlawulwa kwemali kunokuthi ngenxa yezi zizathu zilandelayo:

• Ukuzaliswa kwesicelo esingalunganga.
• Iiposiso kumaphepha okanye kumaphepha angekho mthethweni.
• Isicelo sokungabi nenjongo yomboleko.

Sebenzisa umboleko ngokukhawuleza njengoko ulandisiweyo. Kwaye kuqinisekiswa ngamaxwebhu aseburhulumenteni.

Iimeko zokuhluleka

Nangona ukuqinisekiswa kuyadingeka kwiNgxowa-mali yePensheni, iibhanki zibeka phambili iimeko. Kuphela ukuba ziyabonwa, unako ukufumana imali mboleko kwi-maternity capital. Iingxelo ziqinisekisa ukuba aziyi kusebenza kwezi zilandelayo:

• Akukho mvuzo ozinzile.
• Akukho mvuzo osemthethweni.
• Kukho ubunzima kunye nentlawulo yemboleko yangaphambili.

I-Pension Fund ibona isicelo seenyanga ezi-2-3. Ukuba uyakha indlu yakho, kufuneka ufeze amaxwebhu ngaphambi kokuba kuqaliswe ixesha lokwakha. Inkqubo yokufumana imali kunzima kunzima, kodwa abathengi banikezelwa ngemigangatho emide yokuhlawula kunye namaxabiso aphantsi. Ezinye iibhanki zinika iimeko ezikhethekileyo kunye neenkqubo ezikhethiweyo zeentsapho ezinkulu. Kuzo kukho ithuba lokukhupha imali ebolekayo.

Iimeko

Imboleko ebizwa ngokuba yimali, okufuneka uyibuyise nomdla. Iimali zinikezelwa kuphela ngamabhanki, kwaye iimali-mboleko zikhutshwa ngamaziko emali, abantu ngabanye, urhulumente. Lo umehluko weenkonzo. Ngaphantsi kweyiphi imimiselo ingeniso-mali yemali yokubeleka eyenziwe? Ubungqina bubonisa ukuba kufuneka uchithe imali yokwandisa imitha yesikwere sezindlu okanye into ethengiweyo.

Imboleko ingakhishwa kwangaphambili, kwaye ngokuzalwa komntwana wesibini, kufuneka uhlawule ityala ngoncedo lomxhesho wabazali. Ukuba indlu iya kwakhiwa ngokuzimeleyo okanye ivuselelwe kwakhona, ke iimali eziyimfuneko ziya kufumaneka kwi-PF 3 emva kokuzalwa kwabantwana ababini. Umboleko ojoliswe kuyo ngokubambisa i-maternity capital ukhutshwa ngokusekelwe kwimimiselo ye-Code Civil ye-Russian Federation. Isatifikethi sikuvumela ukuba ukhokhe isixa-mali kunye nenzala. Inkqubo eyenziwa ngendlela engekona imali: i-Pension Fund idlulisela iimali zentlangano ekhupha imali mboleko.

Ukubolekisa ngemali phambi kokuba uneminyaka emithathu yabantwana

Ngokomthetho, umboleko wezindlu zokubambisa inkunzi unokukhishwa emva kokuphunyezwa komntwana wesibini iminyaka emithathu. Kodwa kule meko kukho indlela yokuphuma, xa ungasebenzisa imali emva kokufumana isatifiketi. Ukuba imali isetyenziselwe ukuthenga izindlu, kungcono ukhethe ukuboleka imali.

Njengoko sele kuthethwe ngaye, malunga neminyaka emibini edlulileyo, ibhilikhwe yamkelwa, apho kwakufuneka ukuba isebenzise imali yemali yomzali kwi-mortgage esele ikhutshwe kakade, kunye nokutshintshwa kwentlawulo yokuqala emva kokuvela komntwana wesibini. Ukuba wenza le mali, oku kunciphisa ixesha lokuhlawula kunye netyala. Eli thuba lenza kube lula kwiintsapho ezingazange zilungise umcimbi wezindlu.

Umthamo weMaternity uvumela ukuba uvale ubuninzi beetyala kunye nomdla. Ukuba kukho ukulibaziseka, iintlawulo, iintlawulo, ziya kufuneka zihlawulwe ngokuzimela. Ukususela kwimali ebekwe ngumthetho, kunokwenzeka ukuhlawula imali mboleko yezindlu malunga neenkunzi zemali, kunye nendawo yayo. Esinye isixa singasala, njengoko sikhotshelwe njalo ngonyaka.

Ukwakhiwa nokulungiswa kwezindlu

Umboleko ojoliswe kuwo ekujoliswe kuyo ekuzalweni komzi osele ukhona. Kodwa kuyimfuneko ukuyila kakuhle le mi sebenzi. Xa zisetyenziswe, kufuneka zibhalwe. Umsebenzi wokulungisa uquka ukwanda kwendawo yokuhlala yesakhiwo.

Kuyavela ukuba imali ayikwazi ukuchithwa ngokufaka iifestile, iplumbing, flooring, iphepha lodonga. Ungasebenzisa imali emva kokuphunyezwa kwabantwana aba-2 iminyaka emithathu. Kodwa umsebenzi unokwenziwa ngaphambili. Kubalulekile ukulungelelanisa izenzo kunye ne-FIU kwaye uqinisekise zonke iindleko ngokuqhotyoshelweyo, kwaye ukususela kwiminyaka emithathu yokuzalwa komntwana ufumana intlawulo.

Zi thintelo

Ngaphambi kokuba uthathe imali mboleko kwi-maternity capital, kufuneka ufunde ngokulinganiselwa. Ekubhaliseni kwayo kubalulekile ukuzalisekisa iimfuno ezininzi ze-PF:

• Ipropati ethengiweyo kufuneka ibe yipropati yabo bonke abantwana kunye nabazali kwizabelo ezilinganayo.
• Kunokwenzeka ukuhlawula ityala elikhutshwe phambi kokufumana isatifikethi.
• Awukwazi ukuhlawula amatyala kwimibutho yamancinci.
• Nangona isatifikethi sinikezelwa kumama, uyise kunye nomntu owamkela abantwana banamalungelo.

Ukwenza imali mboleko eSberbank

Ikhutshwe ngemboleko yemali yokubeletha kwiBhanki ye-Savings. Le nkqubo inezinto ezilandelayo:

• Ibhanki kufuneka iqinisekise ukuba umthengi uhlawula ityala. Ngoko ke, kubalulekile ukulungiselela ukuqinisekiswa kwe-solvency.
• Imali ekhutshwe yibhankini, kunye neengxowa-mali zesatifikethi kunye neengeniso zentsapho zishwankathelo.
• Kwiinyanga ezi-6 ezizayo, kufuneka ufake ifowuni ye-FIU yokudluliselwa kwemali ukuhlawula imali. Kufuneka wenze okukhawuleza kunokwenzeka, kuba inzala idluliselwa kule mali.

Ezi mboleko zinikezelwa kwezinye iibhanki. Iimeko kwiziko ngalinye zingahluka kancinci, kodwa ngokubanzi inkqubo iyafana. Ukuba abathengi badibana nazo zonke iimfuno, ngoko zivunyiwe ngamatyala.

Amaphepha afunekayo

Ukuze ufumane imali-mboleko yemali yokubeletha - kwi-Sberbank okanye kwenye iziko-kubalulekile ukuqokelela amanye amaxwebhu. Lwabo uluhlu lubandakanya:

• Isiqinisekiso.
• IiPassports zomtshato.
• Isiqinisekiso somtshato.
• SnilS.
• Isivumelwano semali.
• Iingxelo ezivela kwibhankini.
• Isicelo sokuhlawulwa kwemboleko.
• Isiqinisekiso sobunikazi.
• Ukuqinisekiswa kokudluliselwa kweemali ngeendlela ezingenayo imali.

Ukuthatha imali ephuthumayo yenkxaso-mali yokubeletha, intsapho intsha ithola indlu yayo ekhululekile. Ngaphambi kokubhaliswa kuyimfuneko ukuziqonda ngokwimiqathango yemboleko, ukuze kamva kubekho ubunzima. Kucetyiswa ukuba uhlolisise iinkqubo zeebhanki eziliqela, uze ukhethe enye efanelekileyo.

Ngaphambi kokutshintshela isatifikethi, kufuneka ugqibe isigqibo sokuba yeyiphi imfuneko yemali. Emva koko, ngaphezu kokuphucula imeko yokuphila, le nkqubo yenzelwe ezinye iinjongo. Kufuneka ikhunjulwe ingqalelo ukuba inani likhula ngonyaka. Le mali yintengiso enkulu kakhulu kwixesha elizayo.