Intlawulo ikheshi: bakhupha capital lokubeleka ayinakwenzeka!

Ngawo onke amaxesha, urhulumente walwa ukuba ukuphuculwa kwemeko demographic oluntu. Ukuzalwa ummi entsha - iwaranti ulwandiso ubomi besizwe.

Ukuba kwinkulungwane yokugqibela, ngaphezu kwamashumi amahlanu ekhulwini amakhaya Russian waba umntwana ngaphezu kwesinye, ngoku bavame ukuhlala ukwandiswa uhlobo bentombi elinye okanye nonyana kuphela. Oku kwenzeka ubukhulu becala ngenxa yokuba umgangatho wokuphila ye ngummi mihla Russian ulihlwempu.

Enye iintlobo zenkxaso-mali karhulumente kuzo zonke iintsapho apho wazalwa umntwana wesibini, wesithathu kwaye elandelayo eyinkunzi sikanina. Eyona njongo ephambili yale ngokuqaliswa eli nyathelo - ukukhuthaza iintsapho ukuba babe nabantwana, kwaye, ngenxa yoko, ekwandeni izibalo. capital kubeleka njengendlela karhulumente. inkxaso siqala kaJanuwari 1, 2007.

Fumana izinto eziphathekayo elilolu hlobo evela iingalo karhulumente ngokungekho mthethweni bakhupha capital lokubeleka akwenzeki phantsi komthetho.

Iinjongo apho uyakwazi ukuchitha imali ngolu hlobo lulandelayo:

1. Hlawula le mboleko.
2. Ukulungiswa kwe indlu yokuhlala apho sihlelwe ukwandisa isithuba ophilayo.
3. Ukwakhiwa ikhaya elitsha labucala.
4. zokwakha inxaxheba.
5. Ukufundisa umntwana.
6. Isondlo somntwana kwiziko lemfundo uthole likarhulumente.
7. Amalungiselelo unina womntwana pension elizayo wakhe.

Ngelishwa, olu hlobo nkqubo nenkxaso kude neentsapho ezigqibeleleyo. Ezininzi iintsapho ezihlelelekileyo ezicinga ukuzalwa komntwana njengendlela yokufumana imali. Emva sizama zonke iindlela ukwenza bakhupha capital kwezobunina ukuba bachithe imali kwiimfuno zabo, ngaphandle kokuthatha ingqalelo iimfuno zomntwana. Izikim kakubi zahlukahlukene kakhulu. Nanku omnye wabo.

capital nokutshintshwa kubeleka ngokungekho mthethweni ngokusebenzisa ibhanki:

1. Jonga imali-mboleko ebhankini ukuze uthenge isabelo kwepropati. Ngaphezu koko, lo ulwabiwo kufuneka nakanjani babe unina isalamane / uyise.
2. Yenza isivumelwano ukuthenga nokuthengisa, ukufumana ilungelo lobunini.
3. Yahlula ukwabelana ntsha estate yokwenene phakathi kwabantwana nabazali.
4. Kwinyanga kamva, le mali kwi-akhawunti yebhanki.

Uyavuma ukuba, umzekelo, ukuba ekonakaliseni uninakhulu akazange anike imali yokuthenga abantwana zakhe egumbini lakhe. Umcimbi oko ngakumbi ukuthenga: imoto entsha okanye itikiti elwandle. Hi ndlela leyi, kwisahlulo isabelo kwezindlu lungenzeki ngoko nangoko, kodwa ke ngelo xesha le nkqubo ilapha ngasentla, unina sisibhambathiso kubameli kuphela. Kwaye kusekho umzimba onjalo leyo esweni ukuphunyezwa kwale ukuzinikela kwixesha elizayo. Le yenye ubuchule msebenzi mthethweni, kunye isiphumo ukuba kukho bakhupha imali kubeleka.

Sebenzisa le mali kwezemfundo, umhlala-phantsi okanye ukwakhiwa injongo umthetho kunokwenzeka kuphela emva kweminyaka emithathu ukususela kokufika wosana. Injongo kuphela enika ilungelo lokusebenzisa isiqinisekiso ekuqaleni kwale kota, oko mortgage intlawulo. Kakhulu ubhalo ukuba cebo "grey ', nto leyo evumela ukuvelisa bakhupha capital kubeleka, kwempahla. Kukho ezinye iibhanki zabucala ezibonelela nezivumelwano zokubambisa phantsi eyinkunzi ngosana.

Ekubeni urhulumente uzama ukuphucula inkqubo ze uvale eziziimpazamo ezikhoyo kule hlobo nyaka ngamnye.

Yaye mzuzu Ndifuna ukuba nethemba ulwazi kubazali, abo kufuneka baqonde ukuba capital ngosana, nokutshintshwa leyo ethatha indawo ngokungekho mthethweni, ngokutsho kuRhulumente yephule, ngaphezu kwabo bonke, iminqweno yabantwana.