Ngaba ingeniso-mali yomama inokwenzeka ukuba kwakhiwe indlu

Iyintoni inkunzi yemali? Ngayiphi injongo enokuyichitha?

Inkunzi yeMaternity yinkxaso yenkxaso yentsapho yaseRashiya apho kukho abantwana. Umthamo weMaternity waqaliswa ngo-2007, ubukhulu bawo bunyuke minyaka yonke. Iintsapho ezithe zamkela okanye zazala umntwana wesibini okanye wesithathu (okanye olandelelweyo) xa kukho ityala, ukuba ngaphambili le mali ayizange ifumaneke kubo, ingafumana isatifiketi sale mali. Kubo bonke abantwana abanommi waseRashiya, ifomu lenkxaso linikezelwa phakathi kokuqala kuka-2007 kunye nokuphela kwe-2016.

I-capital maternity ijoliswe kule mimandla elandelayo:

- ukuba umntwana afundiswe kwixesha elizayo;

- Ukuze kuphuculwe uqoqosho lwazo lwezindlu, umzekelo, inkunzi yemali yokwakha yokwakha indlu okanye ukuvuselelwa kwakhona, kunye nokufumana indlu yokuhlala;

- ukwenzela ukwakha inxalenye yempesheni yomhlalaphantsi.

Kungekudala, i-State Duma yamkela ezinye izilungiso kwicandelo loMama oyiNtloko. Oku kuthetha ukuba i-capital capital inikezelwa ngokuzimela ngokuzimeleyo kwendawo yokuhlala. Ngoku, ukuba ufumane umthamo wokubeletha ukwakha indlu, akufuneki ukuba ukhange iinkampani ezizodwa zemvumelwano.

Imali idluliselwa kumagangatho amabini, kwisiqingatha sokuqala senani lemali linikezelwa xa abanikazi banikezela imvume yokwakha. Kwaye isiqingatha sesibini semali - xa izakhiwo ziya kuqala, kodwa kungekudala kweenyanga ezintandathu. Kwakhona, i-capital motherhood yokwakhiwa kwendlu inganikwa zona iintsapho ezinokuba nezindleko ezisele kwindlu eyakhayo.

Ngenjongo enjengeyokufumana imvume yokwakha indlu, kuyimfuneko ukufaka isicelo esifanelekileyo kwi-Pension Fund. Indlu kufuneka idityaniswe njengepropati eqhelekileyo yentsapho.

Ukwakhiwa kwakhona kuyinkcazo enxulumene nayo. Inkunzi yeMaternity ingabhekiselwa ekuhlaziyweni kwendlu, kodwa ingayi kukulungiswa. Ngokomzekelo, ukudluliselwa kweemali kwenziwa ukuhlaziywa kwendawo yasendulo okanye ukwakhiwa kwesakhiwo esitsha. Ukuba intsapho inquma ukuphinda idibanise iphepha lodonga, upende i-plail okanye into enjalo, ngoko imali evela kule ntlawulo ayiyi kuhlawulwa. Kodwa ukuba ufuna ukufaka indawo yocingo, yakha kabusha iloggia okanye wenze ezinye izinto ezifanayo, ezihlala zixoxisana, zibandakanywe njengokwakhiwa kwakhona kwendawo.

Ukulungiselela imvume yokwakha indlu, kufuneka ufumane imvume ngokuthe ngqo kuyo nayiphi na umsebenzi kwisayithi. Wonke amaxwebhu kufuneka athunyelwe kwiNgxowa-mali yePensheni. Isixa siya kuhlawulwa ngeenyanga ezimbalwa. Abaninzi bakholelwa ngokugqithiseleyo ukuba i-capital motherhood ikhishwa ngokukhawuleza emva kokufakwa kwamaphepha. Kodwa oku kuphosakeleyo. Iinyanga ezimbalwa kuphela ziya kutshintshwa imali.

Ukuze kulandelwe iindleko zendleko zokwakha, kubalulekile ukugcina zonke iingxelo, ukuhlola kunye nokuqikelelwa kwezixhobo ezisetyenzisiweyo ekuqhubekeni kokwakha lonke. Kufuneka kukhunjulwe ukuba le nkunzi inikwa kuphela kanye. Awukwazi ukufaka isitifiketi esisetyenzisiweyo ukuba ubungakanani bayo bunyukile. Kwakhona, inkunzi yemali kukubonelela ngemali kumntwana ongakazalwa, kunye nentsapho yakhe yonke. I-MSK isebenza kuphela xa ipasipoti kunye nesitifiketi sokuzalwa sinikwe.

Ingxaki yezindlu ihlala ixhaphakileyo eRussia phakathi kwabo bonke. Ngoxa izilungiso kumthetho zisebenza, i-capital motherhood yokwakha indlu ingasetyenziswa ngokukhuselekileyo. Yaye ngokukodwa ezi zilungiso ziyimfuneko kwiintsapho ezinabantwana abaninzi, apho umbuzo wezindlu ngokwawo ubaluleke kakhulu.