izinqubomgomo zikahulumeni okuhloswe ngazo okwandisa izinga nomndeni lokuzalwa ngayo yonke isofthiwe ezidingekile okuyixazululayo eziningi izinkinga. Kusukela isabelomali imali eningi, kodwa ukuzisebenzisa kudinga izimo ezithile. Iqiniso lokuthi lezi zimali ithemba kuye, futhi uhulumeni eduze ukuqapha lokho basuke wachitha. Imikhaya eminingi ezibuza ngalokho ukuthi ungathola kanjani womama dolobha. Okokuqala, umfakisicelo kumele ngokwehluleka komfakisicelo ukuhlangabezana nezimiso ngaphansi okuyinto ukukhishwa kungenzeka kwemibhalo sesitifiketi.
Kungakhathaliseki ukuthi uhlala kuphi eRussia noma kwelinye izwe, uma uyisakhamuzi Russia ke ungabhalisela, bese uyabala uragele phambili isixazululo omuhle. Imfuneko ukuzalwa noma ukwamukelwa ingane yesibili ngemva 2007. Libuye omunye izimo wukuthi isitifiketi hhayi esikhishwe okwesibili. Lokhu kusho ukuthi ngesikhathi sokuzalwa sengane lwesithathu futhi une usizo uthola. Uma umndeni wakho amawele, ungathola usizo lukahulumeni. inhlokodolobha zemikhaya zingase kube ubaba izingane, uma naye uqobo wayezikhonza imfundo yabantwana babo. Kanjani ukuze uthole womama dolobha abazali abanezingane abazalwa ngaphambi 2007? Imibhalo kuhanjiswe ngesikhathi sokuzalwa sengane esilandelayo, futhi uqiniseka ukusiza.
Zonke yemfanelo yokukhipha nokuqinisekisa izitifiketi enikezwa Sempesheni esibhalisiwe. Ukuze uthole ukwaziswa mayelana nendlela ukuthola dolobha kamama, ungakwazi sifune iseluleko abasebenzi Lesisekelo. Ukuqinisekisa ukuthi amadokhumenti wakho atholiwe futhi kubhekwe, kufanele uthumelele incwadi kubhaliswe ku Pension Fund:
- ifomu lesicelo.
- Ikhophi ipasipoti wesicelo.
- Ikhophi idokhumenti mayelana nokwamukelwa ingane noma isitifiketi sokuzalwa kwakhe.
- Ikhophi umshwalense impesheni.
- Uma omunye umzali kuyinto isakhamuzi sakwelinye izwe, kuyadingeka ukuqinisekisa yisakhamuzi Russian nengane.
Ngingabakha kanjani ubuhlobo womama dolobha ngemuva ukugcwalisa zonke amaphepha? Ukuze uhlole yonke imibhalo kanye nesitifiketi sokubhaliswa kuthatha isikhathi esithile. Ngokuvamile isikhathi sokubhalisa wonke amadokhumenti zihlolwa zingakapheli izinsuku ezingamashumi amathathu. Ngemva kwalokho, wena uzokwaziswa mayelana nendlela ukuthola womama dolobha.
Isitifiketi ukunika ilungelo ukusetshenziswa okuhloswe kwezimali letiniketwa ngumbuso uma ingane iphendula emithathu ubudala. kodwa kanjani ukuze uthole womama dolobha ngokheshi? Lo mbuzo ayinakho impendulo. Cashing isitifiketi kudingwa umthetho osebenzayo. Ungasebenzisa izimali ezabekwa therein ukuthengwa kwezindlu mortgage noma ukuthatha umthengi noma target credit ukuthengwa i izindlu ezengeziwe. Ungase futhi wandise impesheni kukamama noma uthole umvuzo ngalo imfundo yengane. Isitifiketi ingasetshenziswa njengendlela yokukhokha phansi lapho wenza loan futhi kunikeza wena ne isiqinisekiso isimo e irisidi yayo. amabhange Abaningi yangasese abasebenza kanye nezitifiketi nokuqalisa uhlelo ezihlukahlukene umthengi obolekisayo.