Ngaba imali ngosana ukuba umntwana wokuqala, yaye umfazi ikhefu lokuya kubeleka Bambelela koko iintlawulo?

"Yintoni Kulusizi ukuba musa ukunika capital kubeleka ukuba umntwana wokuqala," - uyancwina ukuba oomama abaselula. Eneneni, njengoko umthetho, iintsapho abaselula apho umfazi nje ndatshata wayizisa usana abadinga izindlu neemeko ezingcono kunye nenkxaso eziphathekayo. Eyona kukuba ukugcina umyeni isithuba abaphila nomfazi ukurhintyela, ngaphandle kwenkxaso abazali ndineminyaka engama-40 Ukongezelela koko, imbonakalo itakane kwehlisa imali yentsapho (enye uhlala ezintathu endaweni yemivuzo ezimbini mabini), yaye intsapho akusekho uyakwazi ukwenza igalelo kwi mortgage.

Ngoko ke, iperi kume ukuya yokugqibela kunye nokuzalwa komntwana, ezama ukuqokelela isiseko eziphathekayo, okanye kuzala enye, bodwa amagumbi ayinakususwa kwiminyaka eyi 15-20. Ngokuqhelekileyo, kwimeko enjalo, ikomkhulu umzali ukuba umntwana wokuqala yayiza ikuphucule meko, kuba iintsapho ezininzi oselula ngoko nangoko emva kokuba umntwana uza kuba nethuba lokufumana okanye ukwandisa indawo yabo yokuhlala.

Okwangoku, uncedo kuphela ekuzalweni, nto leyo ukubala umama engxamele ikhefu lokuya kubeleka, ngayo:

1. Imbuyekezo ye ingxelo kwangoko kwi-akhawunti in kwikliniki kokubeleka. Le imali federal into engange-400 kuphela. Kuyenzeka abafazi abasebenza emsebenzini, ukuba bema kwi-akhawunti ukuya kwiiveki ezili-12. Injongo yale sembuyekezo - ukutsala amabhinqa kwiikliniki zaphambi kokubeleka xa usaqala, ukuchonga ngezifo yosana olungekazalwa kunokwenzeka yaye, ukuba kuyimfuneko, ngexesha ukuxhasa amayeza unina elizayo xa lokukhulelwa kwakhe wawunzima.
2. Eyona inkulu yesixa intlawulo leyo ifunyenwe yi umfazi okhulelweyo - a isikhokelo ekhulelwe naxa ezala. Kakade ke, loo mali ayinakuze ithelekiswe nongxowankulu umzali, kodwa ukuba umama elizayo ukusebenza ngokusemthethweni wamkela kakuhle, isixa angaya pretty kakuhle. Bobude ukuba uyakwazi ukufikelela malunga 168 lamawaka engange. Enyanisweni, ukuba ikhefu, yaye ufumana iintsuku 140 zekhefu lokubeleka. Siyifumane nendlela ethe yabalwa ngabanye - I-avareji somvuzo esemthethweni liphindaphindwe ngenani leentsuku yokuphumla.
3. Isibonelelo umntwana abakhathalele ukuya kwiminyaka enye enesiqingatha. Ehlawulweyo yinxalenye esemthethweni yomvuzo-40% yemivuzo yenyanga.
4. Iintlawulo Imbuyekezo ukusuka kwiminyaka 1.5 ukuya kwezintathu ngesantya engange-50 ngenyanga nganye kwiindidi ezithile.

Njengoko kubonakala, imali ngosana ukuba umntwana wokuqala bendingayi kuba nesilima, njengoko ngezixhobo zenkxaso yosapho. Nangona kunjalo kukhutshwa kuphela ukuba umntwana wesibini, kwaye ingasetyenziswa iinjongo ezithile: ukuphucula iimeko zokuphila yeentsapho kwimfundo yomntwana, kubandakanywa, nokuba kwisikolo sabucala kuhlawulwa, ukuba nizalise pension akhawunti oomama, kunye nokusetyenziswa iminyaka nje emithathu emva ukuzalwa komntwana yesibini. Izizathu zisekuhleni: unina, ehamba indlela koluntu yobomi, andiluqondi bokuqonda zomthetho, zisoloko wazala omnye umntwana ukufumana isixa esikhulu semali.

Ngulo - mortgage. Ukuba le ntsapho "ijinga" zekhadi ixesha elide yezindlu, ikomkhulu lokuya kubeleka ungasebenzisa nangoko ukuvala zonke okanye inxalenye ityala na ityala.

Yenza capital ngosana ukuba umntwana wokuqala? Musa ukumnika, ndingazishiyi kwixa elizayo. Kodwa ngoku nophuhliso umthetho ngawo abafazi uzawuhlala unelungelo lokufumana isibonelelo umntwana abakhathalele ukuya kwiminyaka emithathu, kungakhathaliseki ukuba inani labantwana. I ntiyiso leswaku ku umthombo umhla buyiselo abakacaci, yaye ukongezelela, esi sibonelelo siya kubeka ibe kwiindawo ezahlukeneyo ngamaxesha ahlukeneyo. Umzekelo, kummandla Sverdlovsk yomthetho kufuneka kuqala ukusebenza ukususela kwiminyaka 01.01.2013, yaye kummandla Lipetsk kunye Orenburzhskoy evela 01.01.2014.

Kwiindawo ezininzi njengoko nenkxaso kwiintsapho ezinkulu ihlawulwa ngexesha elinye isixa esikhulu umntwana wesithathu (kuxhomekeke kummandla ka 50-100 amawaka), nto leyo kusetyenziselwa kwiimfuno zangoku.