Ziziphi iintlobo zeentsapho ezincinci?

Iintsapho ezininzi ezincinci zidinga uncedo, ingakumbi ngokufika komntwana, ngoko banenzuzo ekhethekileyo. Ziye zenziwe ngokusemthethweni. Ukuze uwasebenzise, kufuneka ukwazi ukuba ubenze njani. Izinzuzo zeentsapho ezincinci zinikezelwa ukuba zinobungqina bemeko yazo, umzekelo, ukubonakala komntwana.

Ingcamango yolutsha olutsha

Kwimithetho yaseRashiya akukho nto "intsapho". Njengoko kunokubonwa kumsebenzi, umtshato usemncinci ukuba ubude bawo bungaphezulu kweminyaka engama-3, kwaye unina okanye uyise ongaphantsi kweminyaka engama-30 ubudala unomntwana oneminyaka engaphantsi kwe-18 ubudala. Ukuba ukukhuliswa kwengane kuqhutyelwa ngumzali omnye ongaphantsi kweminyaka engama-30, ngoko udibene kulolu hlobo.

Izinzuzo zeentsapho ezincinci - uncedo oluvela kwiibhasari zedolophu kunye nezommandla, okukuvumela ukuba unikezele isibini kunye nomntwana obalulekileyo kwimpilo ebumnandi. Kwiintsapho ezininzi, kuvela iingxaki, njengemivuzo ephantsi okanye ukungabikho kwezindlu ezihlukeneyo. Kwaye ngokubulela kumgaqo-nkqubo wezepolitiko, ungabhubhisa ubunzima obuninzi.

Iintlobo zeenzuzo

Ngaloo ndlela, akukho ncediso kwiintsapho ezincinci eRashiya. Kodwa ukuba bavelisa abathathu okanye ngaphezulu abantwana, banelungelo lokufumana izibonelelo:

• Izindlu (ukukhupha indlu yamahhala, umhlaba);
• Intlalo (iintlawulo, izaphulelo kwiintlawulo zesevisi);
• Unyango (iziyobisi, ukondla, uviwo);
• Iserhafu (ukubuyiselwa kwerhafu yengeniso yomntu);
• Izothutho (ukuxolelwa kwizohlwayo zothutho).

Ziziphi iingenelo ezinikezelwa kwintsapho enentsapho kunye nangaphandle komntwana? Unikwa inkxaso-mali yokuthengwa kwezindlu, ukufumana indawo yelizwe. Ungasebenzisa kwakhona iimali zokuthenga ngemali enemivuzo engaphantsi kunamanye amaqela oluntu.

Ukufunyanwa kwezindlu

Ukuba intsapho ayinabantwana, ke kukho ithuba lokufumana:

• Ukuxhaswa kwi-35% yexabiso lezindlu;
• Ama-Mortgage phantsi kweprogram ethi "iNtsapho Yintsapho";
• Ukuhlawula imali.

Ngaba inzuzo yolutsha olutsha olunomntwana. Izinzuzo zifumene inkxaso-mali yokuthengwa kwezindlu zangaphandle kwizinga le-40%. Kubonakala ukuba indlu iya kuba nenzuzo kakhulu.

Ukuhlawula imali

Ziziphi iintlobo zeentsapho eziselula kule ndawo? Kukho ithuba lokujoyina inkqubo yelizwe "Intsapho yaseLutsha". Zinikezelwa ngamabhanki amaninzi. Intlawulo yeMaternity ingaba yinkokhelo yokuhlawula imali, ngoko ke kufuneka uhlawule kuphela imali.

Ngaphantsi kwenkqubo, abatshatileyo abangaphantsi kweminyaka engama-35 banethuba lokufumana kwiinkxaso-mali kwilizwe, elisetyenziselwa ukuhlawula indawo yokuhlala. Abasemagunyeni basekhaya kufuneka babale ixabiso lezindlu, ezithengwa yintsapho, zinikwe iindleko eziqhelekileyo kummandla. Ezi zinzuzo zinika ithuba lokufumana inkxaso-mali ye-70% yeendleko zezindlu.

Mortgage

Izinzuzo zezindlu zeentsapho ezincinci zibonelelwa ngeendlela zokuthenga imali kunye nomdla ophantsi. Iinkonzo zinokusetyenziswa nayiphi na ibhanki yorhwebo. Ziyakhutshwa nguSberbank, VTB 24 nakwamanye amaziko. Ireyithi iyahluka phakathi kwemida ye-12-13%, kwaye ixesha lokubaluleka liyiminyaka engama-30.

Inani eliphezulu lemali mboleko ehlukileyo kwimimandla. Ngokomzekelo, eMoscow naseSt. Petersburg yi-ruble ezigidi ezili-15, kunye nakwizixeko eziseleyo - eziyi-ruble ezigidi eziyi-8 kuphela.

Umthamo weMaternity

Inkxaso-mali ye-Maternity yinkxaso karhulumente yeentsapho kunye nabantwana. Inkqubo iye ya sebenza ukususela ngo-2007, kwaye ayisasazwa kuphela ekuzalweni komntwana wayo, kodwa kunye nokwamkela okwesibini nokulandela.

Ngokomthetho, inkunzi-mali yokubeletha ingasetyenzwa kwezi zinto zilandelayo:

• Ukuphuculwa kweemeko zokuphila;
• LeMfundo;
• Iinkonzo zezempilo.

Ukuba ucinga ngeenzuzo kwiintsapho ezincinci ukuphucula izindlu, inkqubo iya kuhlawula umboleko okanye omnye umboleko owenzelwe ukuthengwa kwezindlu. Inkunzi enkulu yokubeletha ihloselwe ukulungiswa kwakhona, ukulungiswa kwendlu, ukuthatha inxaxheba ekwakheni okwabelwanayo. Iimali zingasetyenziselwa ukuhlawula isitolimende sokuqala sokuthenga imali.

Ukwakhiwa kwezindlu

Inkqubo ethi "iNtsapho yeNtsapho" ithatha inkxaso-mali yokwakha indlu. Isetyenziselwe ukuhlawula iinkonzo zenkampani yokwakha okanye ukuhlawulela iindleko zayo ukuba umsebenzi wenziwa yedwa.

Ubungakanani benkxaso-mali lufana nelokuba kuthengwa kwezindlu. Ngaloo ncedo, uncedo oluncedo lunikwa. Iipropati zeentsapho ezincinci zingabizi. Le nkqubo inokuqwalaselwa jikelele, njengoko inceda ukusombulula iingxaki ezininzi ezinxulumene nokuphucula izimo zokuphila.

Iintlawulo zomphakathi

Izinzuzo zeentsapho ezincinci zinikezelwa ngezaphulelo kwizinto ezisetyenziswayo. Benza kwiimeko apho:

• Ukuhlawulwa kwabo ngaphezu kwe-20% yonke ingeniso isetyenzisiweyo;
• Intsapho ithathwa njengento ihlwempu okanye inabantwana abaninzi, eqinisekiswa ngamaxwebhu.

Kwiimeko zombini, isaphulelo se-50% sisetyenziswa. Inani leenzuzo lixhomekeke kummandla. Ngokuqhelekileyo ifikelela kwi-100%.

Olunye inkxaso

Ukuba intsapho encinane inabantwana aba-3 okanye ngaphezulu, ngoko unako ukufumana ezi nzuzo zilandelayo:

• Ubhaliso oluqhelekileyo kwi-kindergarten;
• Ukufumana unyango lwamahhala, uphuculo lwempilo, amayeza, ukutya kwabantwana;
• Isaphulelo kwesosa;
• Ukuhamba ngokukhululekile ngezothutho zoluntu;

Ezi zinzuzo zibonelelwa kwiintsapho ezifumana umvuzo ophantsi. Oku kubenza bakwazi ukuphucula imeko yabo yezezimali.

Ungaqala njani ukusebenzisa uncedo?

Ukufaka izicelo zokuphucula izimo zokuphila, kufuneka uqhagamshelane neSebe lezindlu ngamaphepha alandelayo:

• Isicelo;
• Passports;
• Isatifiketi sokuzalwa somntwana;
• Isatifikethi sokwakhiwa kwentsapho;
• Imiqulu evela ekukhuselweni koluntu;
• Isatifikethi semali engenayo ngendlela ye-2-NDFL.

Ukuba uncediso lufuneka ukuba ubuyisele imali yokuthenga imali, uluhlu olongezelelweyo lweziqinisekiso kufuneka lulungiswe:

• Ukuqinisekiswa kobunini bezindlu;
• Isivumelwano semboleko;
• Isatifikethi kumbhanki-mboleko.

Ukuba isibonelelo siya kwintlawulo yesabelo, emva koko ipropati idlula kubunini, ke kufuneka amaphepha alandelayo:

• Amadokhumenti malunga negalelo elingakhokhelwa;
• Iikopi zeempepha zomthetho;
• Ubunini;
• Isatifikethi sobulungu kubambiswano;
• Isiqinisekiso sokudluliselwa kobunikazi.

Inzuzo yoluntu

Ukusebenzisa inzuzo yoluntu, kufuneka ufake isicelo sokukhusela uluntu kwindawo ohlala kuyo. Eli liziko likhoyo kuyo yonke idolophu. Kule meko, kufuneka uhambe nawe:

• Iipasipoti zomtshato;
• Isatifiketi semvuzo;
• Isatifiketi sokuzalwa somntwana;
• Ukuqinisekiswa kwezibonelelo;
• Isicelo.

Kwi sicelo esibhaliweyo, imfuneko yokuba abantu bafumane izibonelelo kucingwa. Amaxwebhu ayaqinisekisa le lungelo.

Iimpawu zengingqi

Kuzo zonke iindawo, kukho iinzuzo kwiintsapho ezincinci. Zenzelwe ukuphucula imeko yokuphila. Ngokomzekelo, abahlali baseMoscow baxhaswa ukuba bakhuphe umrhumo ongenalo umdla wokuthenga impahla. KwiTver, ngaphezu kokuqinisekiswa ngu-40% wombuso, ngomntwana omnye unokufumana enye i-10% yexabiso lezindlu. Izinzuzo zinikezelwa ngokuzalwa komntwana. Ngenxa yoko, kuvela ukuba isaphulelo si-50%.

KuVolgograd, kukho ithuba lokufumana inzuzo yama-ruble angama-25,000, ukuba umntwana wazalwa ngaphambi kokuba umama afinyelele kwiminyaka engama-23. Esi sigqibo sagqitywa ukunyusa izinga lokuzalwa ebuncinci kunye nenani leentsapho ezincinci kummandla. Kwi ngasinye sifundo selizwe, kukho iinkalo ezikhethekileyo zokubonelela ngezibonelelo. Kufuneka baqaphele kumagunya asekuhlaleni. Iiprogram ze-Federal kunye zommandla zisiza iintsapho ezincinane ukuba zibe nakho konke abakudinga ubomi obuqhelekileyo.