Ngaba ndiye kwingxowa-mali yomhlala-phantsi? Ubuhle lobubi

Ngaba ndiye kwingxowa-mali yomhlala-phantsi, xa kuziwa kwiindlela inokumenza ebudaleni enesidima ubudala? Kakade ke, lo mba namhlanje yinto ephambili kubantu eliqina. Ke abathile kuwo engazange babebona malunga yokuba urhulumente uza kubonelela bonke uncedo kunokwenzeka ekucombululeni le ngxaki. Ewe, esinzima uthathela ingqalelo kwezoqoqosho lwembono, iimeko ngesakhiwo lwamandla ebhengezwe iziqinisekiso zentlalo, kodwa abantu kufuneka ukulungiselela i-phantsi kwangaphambili ukuba akukho mfuneko, ukuya eholideyini. Kodwa njani ukwenza loo nto?

Esinye sezisombululo kwingxaki

Ukuze kuphuculwe-ntle abadala nje sadalwa mali yomhlalaphantsi yabucala (NPF). Kakade ke, baba na izolo, kwaye uninzi lwethu luyazi ubukho ezinjalo.

Ngaxa lithile, nokuba ngokusesikweni iphulo lokwazisa elikhulu, nto leyo yenzelwa ukutsala utyalo-mali kakhulu isakhiwo ngasentla. Ukuze umhlala baqala knock emnyango abantu aze abakhuthaze ukuba bathathe inxaxheba kule nkqubo intsha. Kwaba lelo xesha ke kwabakho umbuzo: "Ngaba kulungile ukuba ushintshele kwingxowa-mali yomhlala-phantsi yabucala" Ukuze siqonde, okokuqala ukuqinisekisa ukuba eli qumrhu esemthethweni.

ukuba nombono

Njengoko usazi, wonke umntu ubekwa akhawunti yomhlalaphantsi. Sisebenza, we umvuzo oko, inxalenye leyo iya kwingxowa-mali yomhlala-phantsi, nto leyo asasaze asethi ebambekayo, kwakhona, baba inxenye phezu inxalenye numbers ye pension. Ngoko abantu ngokunokwabo ukubonelela sele bebadala.

APF sisigqeba esemthethweni leyo ibekwa iliso elibukhali ngurhulumente. Kulo mzekelo, yonke imirhumo ezingena kuyo insured. Ngoko ke, ukuba kuyenzeka ngequbuliso ukuba NPF izakulahleka ukusuka emarikeni, izinto zazo imali iza kudlula ngokuzenzekelayo iidiphozithi mali yomhlalaphantsi karhulumente. Noko ke, umntu kufuneka ithathele ingqalelo oku kulandelayo: NPF inika utyalo abanobuchule mali abagcinisa 'ngokhuselo, neenkampani zikarhulumente, iidiphozithi ebhankini, iingxelo kunye namaziko ngetyala kunye nezinye.

Ngokuqhelekileyo, le ummi uba ngakumbi ngenxa kwemali.

Ukuba okanye hayi ukuba?

Xa ucinga ukuba bafudukele kwingxowa-mali yomhlala-phantsi yabucala, kubalulekile ukuqonda oku kulandelayo: ubungakanani izibonelelo zentlalo abantu abaya eholideyini kwixesha elizayo, lenziwa ezintathu. Basic (6%) - yenza izibonelelo sabahlali abadala (abantu abangaphezu kweminyaka engama-60 ubudala kunye namabhinqa engaphezu kwama-55 eminyaka). Insurance (14%) - okongezeleke kwi-akhawunti yakho ye-umsebenzi, kodwa ekugqibeleni kwathiwa "wadliwa" yi kwamaxabiso. Enyuselwayo (2%) - lujolise ekuqinisekiseni umgangatho isiseko material umhlalaphansi elizayo. Yeyona yokugqibela ye amaqhekeza zingentla yentlawulo loluntu kubaluleke kakhulu. Ngokwendalo, izinga ka-2% Akwanelanga ukuba umntu ukuba eziphathekayo waziva ngokuqinisekileyo xa waya abanye eyenza ikufanele. Njengoko kuba APF, inxalenye isiseko kubhaliwe ukukala-2% 6%. Kakade ke, le nxalenye icacisa umbuzo wokuba ingaba okanye hayi ukuya kungena kwingxowa-mali yomhlalaphantsi. Kanti ke, xa izisombululo omabini ngenxa kunye. Sibala ezona ziphambili.

okukhona

Ezinye iingcali, xa bebuza: "Ndifanele ndiye NPF", ngokuqiniseka bathi: "Ewe!" Kutheni?

Okokuqala, iintlawulo zenyanga nganye ziya kuba nje igalelo ngabantu, kodwa inxalenye ingeniso, oluthi luqokelelane yi-asethi ezifunyenwe ngokutyala ubonelelo ngemali. Noko ke, isigqibo sokuba baye mali yomhlalaphantsi yaye yintoni iingenelo anokuzuzwa oku, kubalulekile ukuqwalasela oku kulandelayo: kule mvumelwano, kwiimeko ezinqabileyo, esisigxina umda yengeniso, njengoko ukuqikelela ukuba meko ukuphuhlisa uqoqosho kurhwebo lwehlabathi, yaye yintoni le ngesiphumo ukungcakaza nzima kakhulu.

Ingenelo ebalulekileyo amalungiselelo abadala ingqalelo le nkqubo noko ubonelela ukugcinwa asethi imali, ukuba naziphi na iiprojekthi ziza kuba azincedi lutho, imali kwi-akhawunti abathengi beli akuyi kuthi xhaxhe kuba isakhiwo ihlawula umonakalo evela koovimba alo.

Xa kwamathandabuzo ukuba aye leNational? Mhlawumbi akunike uqiniseka ukuba kuza kubakho naluphi na utshintsho kwimarike zemali, isakhiwo akayi kubashiya bodwa kwaye ulungise isicwangciso zotyalo-mali zonyaka, kuthathelwa ntsingiselo zivelileyo akhawunti.

bendlela

Noko ke, kukho kwakhona iqela leengcali, ngubani wabuza: "Ngaba kuyimfuneko ukuya kwingxowa-mali yomhlala-phantsi yabucala", musa ukuthandabuza, ukuphendula kwi negative. Kutheni?

Okokuqala, ukuba nyaka-mali iza kuba ntle, ke apho uzinzo yengeniso akakwazi kuhamba kunye nentetho.

Okwesibini, ukuba isakhiwo ngentla ngenxa yesizathu esithile balahlekelwe ilayisenisi yayo, lokusibekela ukutshintshela iimali kwezinye iimali zomhlala kunye nokuxhasa iinkqubo kuhlawulwa yi-abagcinisa. Ewe, ezi neengxaki ayikwazi ingqalelo ebalulekileyo, ukanti bakhubekise abanye ubuhlungu, kodwa kwizazi abangakumbi. Kakade ke, ingxaki ukuba bafudukele kwingxowa-mali yomhlala-phantsi yabucala kuyimfuneko, omnye kufuneka isigqibo rhoqo ngabanye.

iimpawu nemigaqo

Kuba baninzi, akucaci: "Inguqu ukusuka FIU ukuya NPF - ilungelo okanye uxanduva" Ngokuqhelekileyo, akukho mntu unokunyanzeliswa kule nkqubo, njengoko ngokuzithandela. Ngaphezu koko, isicelo efanelekileyo lenguqu ukuya abadlali non-karhulumente na nangaliphi na ixesha lonyaka, oko kwenziwa kube kanye qho emva kweenyanga ezili-12. Olu xwebhu kufuneka mandatory ukubonisa iqumrhu, leyo baziqwebele inxalenye numbers ye pension.

Umyalelo we inkqubo

Ke nina anazi njani ukuya ngxowa-mali yomhlala-phantsi? Yenza oku kulandelayo:

1. Chaza isakhiwo, nikholosa ngayo kakhulu. Hlalutya baqinisekiswa abantu abaye imali kwenye okanye elinye NPF, lihlole ukuba zingaphi iminyaka kwi emarikeni, oko ikhona, uze ujonge amaxwebhu yomthetho wenkampani.

2. Utyikitye isivumelwano obonelela inshorensi pension esisinyanzelo; kwaye ukhangele itekisi ngokweenkcukacha. Olu xwebhu kufuneka kuchazwe ngokucacileyo, kufuneka kangakanani nendlela rhoqo ukwenza iminikelo. Phambi kokuba ufake utyikityo phezu xwebhu, akukho akufuneki ukuphuhlisa kunye nabasebenzi isicwangciso pension ngamnye, nto leyo eza ezinophawu ngumfuziselo amanani elisondeleyo uhlengahlengiso zabo, kuxhomekeke amathuba ebambekayo umhlala elizayo. Flexible wemvula yokonga - yenye yeemeko ithembisa ukuba client.

3. Kweli xesha kude ngoDisemba 31, idilesi kwi indawo kwingxelo igunya RPF malunga lenguqu ukuya NPF.

4. Linda isaziso esibhaliweyo ngesigqibo.

Ngoku une ufifi ngendlela ukuya kwingxowa-mali yomhlalaphantsi.

Iindlela ukuthumela amaxwebhu

Le ngxelo ungakwazi kudlule ngokobuqu FIU. Qiniseka ukuba SNILS kunye yokundwendwela. Kwaye musa ukulibala ukucela ukufunyanwa ahambelanayo kunokwamkela amaxwebhu.

Thumela ingxelo yenguqu ukuya NPF kunokwenzeka nangenkqubo MFC.

Not Akuvunyelwe ukujongana uxwebhu ikhankanywe ngasentla ngeposi. Kulo mzekelo kufuneka usebenzise inkonzo ileta abhaliswe uncamathelo kunye nesaziso.

Emvulophini kuya kufuneka ukuba kutywinwe i ugcwaliswe kwifom yesicelo okhethekileyo, ikopi yencwadi leyo yokundwendwela kunye SNILS.

isiphelo

Abantu abaninzi bayazibuza: baya enzima kunye nezintsonkothileyo noyilo lwe pension ukuya NPF? Yaye ngaba kwamnceda? Nantsi enye nokulatyuza umhlala elizayo. Ngomhla wokuqala sitsho ngengqiniseko ukuba yenguqu akayi kuthatha umxhasi elininzi umgudu kunye luvo. Njengoko le yesibini, kufuneka isigqibo ngamnye ngokwakhe, emva kokuba zihlalutywe elungileyo nengalunganga koko.

izimvo Iingcali 'kulo mba yahlulwe: abathile bathi ukuba NPF - kukho olukhulu ukubeka isiseko esihle umbandela endala. Entsonkothileyo kuphela kukufumana yinkampani enokuthenjwa ngokukhalipha zokunika imiyalelo ukuba imali yakho. Kungenjalo, le pension asiyi kunikwa. Abanye bacebisa ukuba nikhawuleze ukuqwalasela ezinye iindlela zotyalo-mali, apho ngoku kukho kakhulu ezimbalwa. Umzekelo, uyakwazi imali-asethi zemali ngokhuselo, nemihlaba, wasebenzise ngokupheleleyo PAMM-akhawunti njalo njalo. Dlulisela okanye ukudlulisela pension ku NPF? Isigqibo ngokuba wena!