Eqinisweni, ngokusho komthetho, ingxenye encane yalesi sikhwama sezimali esikhulu kunayo yonke imali engama-ruble angu-20 000 ingatholakala ngemali. Kulesi sihloko, sizokutshela ukuthi ungayenza kanjani nokuthi ungayenza kanjani, nokuthi ngabe kungenzeka yini ukuba usebenzise imali ngokusemthethweni inani elisele lomthamo wokubeletha ukuze kusetshenziswe izinhloso ezithile.
Ungakhokhisa kanjani ama-ruble angu-20 000 avela ku-capital capital?
Ukukhishwa kwemali engama-ruble ayizinkulungwane ezingu-20 ezivela emalini yomzali kungaba ngokushesha, uma umndeni usukhishwe isitifiketi. Ukuze wenze lokhu, kuzodingeka ufike eMnyangweni Wezikhwama Zempesheni lapho uhlala khona noma noma yikuphi isikhungo esizimele sokuhlinzekwa kwezinsizakalo zomphakathi esifundeni sakho sokuhlala futhi ubonise isifiso sakho ngokubhala.
Ngaphezu kwalokho, kuzodingeka unikeze imininingwane ye-akhawunti lapho iPhini lesikhwama sePensheni lizodlulisela inani elibekiwe. Kulokhu, uma usuvele usebenzise ilungelo lokuthengisa imali enkulu yomzali, futhi imali eningayilahla ingaphansi kwama-ruble angu-20,000, uzonikezwa ibhalansi etholakalayo. Ukusebenzisa le mali kungaba yinto enhle kunoma yimuphi umgomo, umthetho unikeza abazali abasha inkululeko egcwele yokusebenza kule ndaba.
Kumele kukhunjulwe ukuthi amathuba okufaka izicelo ezinhlanganweni zomphakathi ngenhloso yokukhishwa ngamaruble angu-20 000 ezindlela zemali yomndeni ngokusho komthetho unikezwa kuphela kuze kube sekupheleni kukaMashi 2016.
Indlela yokukhipha imali yenani lokubeletha ngaphambi nangemva kweminyaka emithathu?
Kufanelekile ukugcizelela futhi ukuthi akunakwenzeka ukukhipha imali yamabernasi nganoma iyiphi enye indlela. Le mali ingaqondiswa kuphela ngezinjongo ezithile, elawulwa ngokuqinile ngumthetho wamanje we-Russian Federation, futhi kuphela ngokuhlala okungezona ukheshi.
Ngaphezu kwalokho, ezimweni eziningi, ukusebenzisa le ntlawulo, umndeni osemusha kufanele ulindele isikhathi lapho ingane yabo, ngenxa yokuzalwa kwabo ilungelo lokuyithola, izofinyelela eminyakeni engu-3. Noma kunjalo, kunezinto ezimbalwa ezihlukile kule mithetho - ungasebenzisa le mali ngaphambi kokusebenza kwengane eneminyaka emithathu ubudala ngezinhloso ezilandelayo:
- ukukhokha nokuvala indlu yokubolekwa kwempahla, eyathathwa ngaphambi kokuzalwa komntwana;
- njengenkokhelo yokuqala yokubhaliswa kwemali mboleko entsha;
- ukuze kusetshenziswe indawo yokuhlala kanye nokuthola izindlela ezikhethekile zokuvuselelwa nokulungiswa komphakathi uma ingane ingavumelekile.
Kamuva, lapho ingane ifika eneminyaka emithathu ubudala, le mali ingaqondiswa ukuthenga izakhiwo zokuhlala ngaphandle kokuboleka, ukukhokhela imfundo yendodana noma indodakazi esikhungweni semfundo, kanye nokuhlala emgodini noma ukukhulisa impesheni yomama esizayo.
Ukuze uqaphele yonke le migomo, kuzodingeka ukuthi uqoqe isethi edingekayo yamadokhumenti bese uyithumela ku-FIU ukuze uvume. Uma ukuthengiswa okuhlongozwayo kuvunyelwe, imali izodluliselwa ku-akhawunti yomthengisi noma umbolekisi ngendlela engafanelekile.
Ungakhokhisa kanjani imali eyinhloko yesifunda?
Kwezinye izindawo, kuhlanganise noSt. Petersburg, Nalchik, Irkutsk, Magadan nabanye, ezinye izinkokhelo zesifunda nazo zihloswe namhlanje, ezibuye zenzelwe ukusiza umndeni omusha oye wanquma ukuba nezingane eziningana.
Akunakwenzeka futhi ukukhipha imali eyinhloko yendawo yokubeletha, kodwa ingaqondiswa ezinhlosweni ezifana nokuthengwa kwezindlu, ukwakhiwa kwendlu yokuhlala nokuthenga izinto zokwakha, ukuqeqesha nokwelashwa kwengane, ukuthenga imoto nabanye. Amathuba okusebenzisa le nkokhelo ahluka kakhulu kusuka esifundeni kuya esifundeni, ngakho ukucacisa izimo eziningiliziwe okudingekile ukuxhumana nomnyango wokuvikela umphakathi esifundeni sakho sokuhlala.