Yini ongayichitha emalini yomama?

Ngaphansi kwenhloko ye "mama" noma "umndeni" namuhla ayiqondwanga kuphela ukukhokhwa okukhulu kunayo yonke inzuzo ye-federal, ilungelo lokuwuthola kunoma yiliphi abazali abaye banquma ukuzala noma ukutholwa kwengane yesibili neyalandela emva kuka-2007, kodwa futhi nezinyathelo zesifunda zokusekela imikhaya emikhulu.

Lezi zinkokhelo ziphakathi kwezinto ezibaluleke kakhulu, ngakho-ke omama nabathandana abaningi balangazelela ukukwazi ukuwachitha futhi benza izinhlelo ezifinyelela phambili. Eqinisweni, ngosizo lwalezi zinyathelo zokusiza ngezezimali, akuzona zonke izifiso ezingenziwa. Umthetho weRussia Federation ubeka ngokucacile uhlu lwezinketho ezikhona zokuqaliswa kwemali yokubeletha, kokubili ezomthetho kanye nesifunda.

Ngaphezu kwalokho, kunezinye izimo ezingase zibe nomkhawulo wokuthumela lezi zimali ezinjongweni ezithile. Kulesi sihloko sizokutshela ukuthi kungenzeka yini manje ukusebenzisa imali enkulu yokubeletha ngokuhambisana nemithetho esebenzayo, futhi uma lokhu kungenziwa.

Ngingayisebenzisa kuphi imali enkulu yokubeletha?

Isilinganiso esikhulu kunazo zonke sosizo lukahulumeni, ubukhulu bawo okwamanje kufinyelela kuma-ruble angu-453,026, iningi labazali abasha elithunyelwa ukuxazulula inkinga yezindlu, okungukuthi, ukuthenga noma ukuxhasa ukwakha indlu. Ngesikhathi esifanayo, uma indlu noma indlu yokuhlala ithengwa ngemali yomuntu siqu emndenini ngaphandle kokubolekisa izikweletu, ngomthetho, imali yokubeletha inganezelwa ngaphambi kokuba ingane iseneminyaka emithathu ubudala, lapho ekhishwa khona.

Uma izindlela zesitifiketi somndeni zenzelwe ukubuyiselwa kwemali mboleko yangaphambili esithathiwe, ungawachitha, uqale ngezinsuku zokuqala zokuqubuka. Ngokufanayo, lokhu kukhokhwa kwemali kungasetshenziswa njengenkokhelo yokuqala yokubhalisa nokuthola imali entsha yezindlu.

Ngaphezu kwalokho, labo bazali, abanomntwana ohlonishwa ngokomthetho njengengavumelekile , bangasebenzisa lesi simali esimangalisayo ngaphandle kokulindela ukubulawa kwengane iminyaka emithathu . Ezimweni ezinjalo, isitifikedi sesitifikedi sokubeletha singasetshenziselwa ukuguqula izakhiwo zokuhlala ngokuhambisana nezidingo zengane "ekhethekile" kanye nokuthenga amadivaysi akhethekile nokujwayela ukulungiswa kwezenhlalo nokuvuselelwa.

Okokugcina, esikhathini esizayo, lesi samba sosizo lwezezimali singasetshenziswa ekukhokheni imfundo yenzalo esikoleni kanye nokuhlala kwakhe ehostela, kanye nokwandisa ubukhulu bempesheni yaseMamochka yesikhathi esizayo.

Kumele kuqashelwe ukuthi ngaphambi kokuphela kukaMashi 2016, umndeni ngamunye owathola isitifiketi sezimali zokubeletha unelungelo lokufaka isicelo esiKhwameni sePensheni futhi uthole ama-ruble angu-20 000 kule mali ngokheshi. Lahla lezi zimali ngabazali abasha ngokwengqondo yabo.

Yini engayichithwa kwi-capital capital?

Ngokuphathelene nezinkokhelo zesifunda, konke kuncike endaweni yokuhlala yomndeni omusha, njengoba izimo zokuthola, ubukhulu kanye namathuba okusebenza ezindaweni ezihlukene zingase zihluke kakhulu.

Ngokuyinhloko, eSt. Petersburg, inhloko-mhlaba yokubeletha, engama-ruble ayizinkulungwane eziyi-100, ingasetshenziswa lapho, noma ngabe yimuphi umfelandawonye - ngezinkinga zezindlu, ukuvuselelwa kwezingane ezikhubazekile, nokufundiswa kwemfundo yabantwana bonke. Ngaphezu kwalokho, ungathumela imali yokuthenga umhlangano wemoto yasekhaya kanye nezinsizakalo zezokwelapha ezikhokhelwa ingane yakho. Umndeni uqala ukuba nelungelo lokuthola le ntlawulo ngemuva kokuzalwa noma ukutholwa kwengane yesithathu, nokuyiqalisa - emva kokuyigcwalisa iminyaka engu-1.5.

Uma kuqhathaniswa, izakhamizi zeRiphabhuliki yaseBabarino-Balkarian zingathembela kwizindleko zomasipala zesifunda ngemuva kokuzalwa kwengane yesihlanu emndenini. Njengoba kunikezwe izinkomba eziningi, inani lale mali lokukhokhwa namhlanje liyi-ruble engaphezu kuka-350 000, futhi lingasetshenziswa kuphela ekuxazululeni izinkinga zezindlu.