Ezimweni zanamuhla, imindeni eminingi encane ayinayo ithuba lokuzimela ngokuzimela. Ngokuvamile kufanele badonsa efulethini nabazali babo, noma baqashe. Le nkinga ingaxazululwa ngezindlela ezahlukene. Isibonelo, ezinye izinhlangano zikhipha izikweletu kubasebenzi bazo - lokhu okubizwa ngokuthi usizo lwezinto ezibonakalayo emindenini emisha ukuthenga izindlu, ngokuphindaphindiwe, abasebenzi kudingeka basebenze iminyaka ethile kule nhlangano. Ungasebenzisa le nketho uma iminyaka ezayo engu-5-15 ingashintshi indawo yomsebenzi. Enye indlela yinto yokuboleka imali. Kodwa ukungabi nemali yokufaka idiphozi yokuqala kanye nesithakazelo esikhulu akuvumeli ukubhekisisa ngemali mboleko yokubolekwa kwempahla njengolunye uhlobo losizo olunezindlu zokuhlala emindenini emisha.
Yini okufanele uyenze ezimweni ezinjalo nokuthi ungathola kanjani usizo emndenini omusha?
Kuwo wonke amazwe, kungakhathaliseki ukuthi iRussia, i-Ukraine noma enye izwe inomthetho wayo wokusiza imindeni emisha ukusiza ukuthuthukisa izimo zokuphila.
Ukusiza imindeni emisha eRussia
Isibonelo, eRussia, inqubomgomo yombuso isetshenziswa ukusiza imindeni emisha, ilawulwa yi-subprogram "Ukuhlinzekwa kwezindlu zomndeni omusha" ohlelweni olubhekiswe kuhulumeni "Izindlu". Inhloso yalo ukuhlinzeka ngosizo lwezwe emindenini emisha ehlose ukuxazulula inkinga yezindlu.
Ngaphansi kwalolu hlelo, usizo lwezenhlalo emindenini emisha lisetshenziselwa ukuthenga noma ukwakha izindlu.
Ngesikhathi esifanayo, ukusizwa komndeni kumindeni emisha kunganikezwa emndenini osemusha kanye nomndeni ongaphelele onezingane noma ngaphezulu. Kulesi simo, iminyaka yobudala bomshado, noma umzali oyedwa emndenini ongaphelele, akufanele kudlule iminyaka engama-35. Ukuze uthole usizo, umndeni uthumele uhulumeni wasekhaya endaweni yokuhlala unomphela isicelo kanye nemibhalo efanelekile ekufakweni kwe-subprograms kulabo ababambiqhaza. Lezi zinsuku zakha uhlu, ngokusemthethweni zibize usizo emindenini emisha ngemuva kokuba yonke imibhalo ihloliwe. Khona-ke isitifikedi selungelo lokuthola izinzuzo zenhlalakahle sikhishwa. Usizo lwezinto ezibonakalayo emindenini emisha lunikezwa kuphela ngesitifiketi esinjalo, ukuqinisekiswa kwalo akukona okungaphezulu kwezinyanga ezingu-9 kusukela ngosuku lokukhishwa. Ukubamba iqhaza kule-subprogram kuyinto yokuzithandela; usizo kumindeni emisha lunikezwa kanye kuphela. Inani lezinzuzo zenhlalakahle libalwe ngosuku lokukhishwa kwesitifiketi futhi luhlala lungaguquki phakathi nesikhathi sokuqinisekisa. Ukukhipha okungenzeka uma usizo lwemali emindenini emisha - abahlanganyeli be-subprogram bashintsha ekuqondeni ukwanda, kungukuzalwa (kokutholwa) kwengane eyodwa. Kulokhu, ukukhokha okungeziwe komphakathi okungenani ama-5% wezindleko ezilinganisiwe zezindlu zinikezwa.
Usizo emindenini emisha e-Ukraine
Mayelana ne-Ukraine, lapha usizo lwezezimali emindenini emisha lunikezelwa isinxephezelo esinqunyiwe senani lesithakazelo semali ebolekwa ngamabhange ezentengiselwano ekwakhiweni nasekuthengweni kwezindlu (Isimemezelo seKhabinethi yabaNgqongqoshe base-Ukraine N 853). Ngesikhathi esifanayo, umthetho ubonisa ukuthi umndeni omncane ungumyeni nomfazi oneminyaka engama-30 ehlanganisiwe, noma umndeni ongaphelele lapho unina (uyise) oneminyaka engaphansi kwengu-30 enengane encane (izingane). Amadokhumenti kulokhu athunyelwa ehhovisi lesifunda seSisekelo. Futhi lo mkhuba, ngokuvamile uvame ukukhetha imindeni emikhulu. Lokhu okubalulekile kungabhekiswa esigabeni sosizo emindenini encane engenayo engenayo. Imindeni empofu, njengombuso, njalo unabantwana abaningi. Umphumela uba yisivumelwano sokuhlinzekwa isinxephezelo esinqunyiwe, lapho kunqunywe khona
Ngakho-ke, inqubomgomo yazo kokubili ithi, okungukuthi, ukusiza ngokukhululekile emindenini emisha - kuyithuluzi elihle lezezimali elihlose ukugcina isimo sezenhlalakahle, sezomnotho kanye nokuphila komndeni omusha. Lokhu kubonakala kokukhathazeka kwezizukulwane ezizayo kanye nokuthuthukiswa kwezwe lonke.
Kuzakhamizi zaseRussia nase-Ukraine, usizo olunjalo lwezenhlalakahle emindenini emisha luyisisekelo sokuthola izindlu zabo futhi bathole injabulo, ngaphandle kwalokho okungenakwenzeka ukuqhubeka nokwakha isimo sengqondo esifanele esikhungweni somndeni kubantu abasha.