Ngaba kunokwenzeka ukuba ahlawule yomboleki yeentengo zemboleko capital koomama? Indlela ukubuyisa imali eyinkunzi koomama?

capital zokukhulelwa - eli lithuba emangalisayo intsapho enkulu ukufumana izindlu zabo. Le nkqubo karhulumente ikuvumela ukuba uthenge ngokusemthethweni ipropati ekunene, usebenzisa inkxaso-kulindelwe lukhulu mali kurhulumente. Kodwa ngaba kunokwenzeka ukuba ahlawule yomboleki yeentengo zemboleko capital koomama?

Ntoni incwadi yomthetho?

Ngokutsho komthetho zangoku Russian Federation, matkapital ilawulwa yimithetho eziliqela. Ngoko ke, lo uncedo lwemali ukusuka kurhulumente ekhutshwe phantsi koMthetho Federal № 265-FZ "Ngomhla amanyathelo zongezelelweyo zenkxaso karhulumente kwiintsapho kunye nabantwana," ngokutsho ngengqibo 29.12.06, elibhekisela imithetho kwicala capital ntsapho ukuphucula iimeko zabo zokuphila. Ukusetyenziswa koncedo loluntu ilawulwa Inqaku le-10 le-FZ 265.

Emva kokuhlolisisa bonke imithetho nemimiselo ngasentla amisele ngenene ukubuyisela ukuba ababoleki capital koomama. Kwaye oku kufuneka ukwazi malunga isetyenziswe njani yaye phi imali kamasipala.

Sotspomosch into ukuchitha?

Ngokusekelwe imithetho nemimiselo karhulumente, eyinkunzi ngosana (imali yayo ngokupheleleyo okanye inxalenye yayo) kufuneka ichithwe ezi njongo zilandelayo:

• ukwenzela ukuthenga zezindlu ezakhiwayo okanye Kugqityiwe;
• phezu inzaliseko izibophelelo ezijolise ukutshintsha iimeko abahlala kwicala ukuphuculwa.

Ngoko matkapital zinokusetyenziswa njengobungqina besibini, okanye intlawulo yokuqala kwi mortgage kunye nezinye mboleko yezindlu. Noko ke, wena ukhethe indlu akufuneki kuphela zikufanele kuzo zonke, kodwa hlalani kwintsimi, kunokuba ngaphandle Russian Federation.

Ngokusemthethweni a deal ukuthenga indlu okanye enye impahla kwipropati oqhelekileyo abantwana, abazali kunye namanye amalungu osapho ahlala yokuhlala enye. Njengoko ubona, akukho lwazi malunga nokuba kunokwenzeka ukuba uhlawule ityala umsebenzisi capital koomama.

Yintoni enye u tirhisa uncedo imali evela kurhulumente?

Chitha ezinye imali okanye sonke isixa esifunekayo kanye kunokwenzeka ngenjongo ukunyuka eli umhlalaphantsi pension, oko kukuthi, inxalenye yayo ezixhaswa ngemali (unina womntwana). Njengoko intlawulo eyenziwe transfer wire ngokusebenzisa ekufunyanweni kwezindlu kusapho Russian, nto leyo iba isiqinisekiso imali yentsapho.

Matkapital kwakhona angaya ukuhlawulela iinkonzo kwinkalo yemfundo kubantwana abangaphantsi kweminyaka engama-25. Malunga nokuba ngaba oku kunokwenzeka ukuba uhlawule ityala umsebenzisi capital koomama, siya sichaze ngezantsi.

Xa matkapitala wavumela bebhala?

Ngokusekelwe kule migaqo, sebenzisa imali ebonelela matkapital, ungenza kuphela emva kokuba umntwana (kunye satifikethi sikhutshwa kuyo), kwiminyaka emi-3 ubudala. Ukuba usapho lwakho sele zikhutshiwe-mboleko okanye ezinye-mboleko yezindlu (elide phambi kokuba isiqinisekiso ngokusemthethweni kuni), ngoko silinde loo mzuzu xa umntwana efika ekhankanywe inani ngasentla iminyaka, akukho mfuneko.

Kulo mzekelo, ukuze uhlawule imali okanye inxalenye ibe ngoko nangoko emva kunikezelo ngesandla isatifikethi. Kulo mzekelo, i indawo asezantsi indleko, ihonjiswe kwi-mboleko, kokukhona kuya kubuyekeza isixa yinqununu mboleko kunye nenzala ngexesha elifanayo. Kodwa njani ukuba ahlawule yomboleki yeentengo zemboleko capital koomama? Kwaye ukuba kunokwenzeka ukuphumeza le njongo?

Yintoni ayikwazi wachitha matkapital?

aid URhulumente akanako ndidleke kuphele, ngenxa iimfuno zakho, hayi ezinxulumene nokufunyanwa kwezindlu nokuphuculwa neemeko zokuphila abantwana kunye nabazali babo. Kwaye, enyanisweni, wena akuyi ukwenza ingxowa-mali yomhlalaphantsi karhulumente. Awukwazi ukusebenzisa uncedo loluntu ukuba iimfuno zilandelayo:

• lixhobise abantu belizwe;
• lokuhlawula-mboleko yabathengi ekhutshelwe ukuthenga izixhobo zombane zasekhaya kunye nezinye iimpahla;
• ukuba uhlawule ityala etyalwa Izixhobo zikaWonke wonke ;
• kuvuselelwa indlu yokuhlala okanye ukulungisa kwelo gumbi apho usapho yokuhlala;
• ukuba kuthengwe izixhobo zokwakha kunye nezinto eziyimfuneko ukulungiswa.

Awukwazi ukusebenzisa matpomosch ukuhlawulela unyango kwaye akuvumelekanga ukuba isixa posited ngemali. Noko ke, lo mthetho okanye esemimiselweni karhulumente elawula kunikezelo uncedo karhulumente, engakhankanywanga uyakwazi ukubuyisela ukuba lwamatyala omsebenzisi capital koomama kwi Savings Bank okanye ezinye iziko zemali. Ukuze impendulo yalo mbuzo kufuneka isicelo abameli Pension Fund.

Yintoni mali yomhlalaphantsi kwi-mboleko?

Ukuba uvula kwisifundo ngasentla ukuba abameli Government Pension Fund (ekuhlaleni), baya kukuxelela kulandelayo: ngokomthetho lwangoku, anconywa ukuchitha imali mali yokuhlawula iikhredithi yabathengi akakwazi. Oku kungenxa yokuba, njengokuba umthetho, mboleko nomboleki ezakhutshwa injongo ethile. Amaninzi kuba mboleko yebhanki iimfuno ebizwa ngokuba yi-zobuqu.

Kwakhona. Matkapital uyakwazi ukuchitha kuphela okuhlawula amatyala ekujoliswe kuzo. ie kusenokuba mortgage phezu kwendlu phantsi ukwakhiwa okanye ukulungele kuphela. Ukongeza, matkapital zingasetyenziswa endaweni Isavenge sokuqala kwi-mboleko yebhanki yezindlu. mboleko Consumer kwakhona ndingengowalo mboleko yezindlu ekujoliswe, ngoko intlawulo zabo besebenzisa imali eyinkunzi lokubeleka akuvumelekanga. Kodwa njani ukuba ahlawule loMsebenzisi weNtengo yeTyala capital koomama kwi Savings Bank okanye nayiphi na enye yebhanki, ukuba, singazi, usafuna ukuba ukhuphe mboleko?

Kuthekani ukuba mboleko umboleki, kwaye eyachithwayo kuthengwa izindlu sathathwa?

Kwenzeka ukuba, phofu umthetho, abazali ngokungenankathalo uthathe imali-mboleko umboleki ukuthenga indlu ithemba ndokuhlawula ngoncedo eziphathekayo. Noko ke, nisazi ukuba enze ngoko awunaku kwazi awele lithemba. Emva kokuzalwa komntwana wakhe wesibini, xa omnye kuphela abadala, abanye ucinga ukuba ahlawule ityala yabathengi capital koomama ukuze ugcine.

Kukho ingxaki mboleko matkapitalom intlawulo. fund Pension kunzima kakhulu ukungqina nantoni na, ngoko ke kufuneka ukuba uye enkundleni. Xa isicelo kuyimfuneko ibhekisela kwenye iziqendu kwinqaku 10 265 ye-Federal uMthetho, nto leyo ithi into efana: capital lokubeleka uvumelekile ukuba benze nayiphi na imicimbi ebandakanya nokuthengwa kwezindlu. Imeko ephambili - kufuneka ukuziphikisa umthetho.

Inkundla kufuneka asondeze amaxwebhu ezingqina ukuba imali mboleko eyachithwayo kuthengwa impahla kwaye zinokuhonjiswa onke amalungu entsapho, kuquka nabantwana. ie abantwana izinto nabo ithathelwe ingqalelo.

Isiphelo kuzo xa bekuthathwa amanyathelo kunye nenkonzo yoluntu?

Ukusombulula iimbambano kunye Pension Fund kunokwenzeka kuphela ngokomyalelo wenkundla, kunye neziphumo ezifanelekileyo kwetyala kusenokwenzeka ukuba Kwimeko ongasetyenziswayo kuyo lo mgaqo, kwaye benza ngabom akucetyiswa phantsi kwesi skim.

Ngoko ke, ukuba andazi ukuba buyisela yomboleki yeentengo zemboleko eyinkunzi koomama ngokwenene ugcine, musa ukuyenza loo nto ngokukhawuleza. Okokuqala, dibana ne iingcali ze Pension Fund. Cingisisa nzulu kunye bawo.

Into eyenzeka kweli bali: Ukusetyenziswa koncedo loluntu kufuneka ibe ngaphaya umthetho. Kungenjalo, wena esichengeni ukungena ematyaleni angeyomfuneko, inkcitho amaninzi luvo namandla ezama ukubonakalisa ukuba umsulwa.