Impesheni Uhlelo co-ngezimali. State Uhlelo impesheni co-ngezimali

Uhlelo yempesheni co-ngezimali kuyinto ehluke kakhulu, kanye nenani elikhula njalo abantu uyavumelana iqhaza. Yini Lalimeleleni? Ziyini izinzuzo? Ingabe kunenzuzo ukubamba iqhaza kuwo?

ulwazi olujwayelekile

isimo emithetho Uhlelo impesheni co-ngezimali wethulwa emuva ngo-2009. Nokho, akuhambanga kahle konke. Ngenxa esibophezelayo elisemqoka kuya umshwalense ingxenye yempesheni uxhaso limiswe. Okungukuthi, labo kwadingeka - ukuyisebenzisa. Bese ukufinyelela yavalwa. Kodwa uma ufuna iqhaza kuwo, 2017 uphelele lokhu ngenxa resumption yayo. Manje sinawo engcono kunaleyo lokho ngaphambili. Lapha sizocabangela ke. Ngakho, liyini uhlelo co-ngezimali impesheni? Ingabe kunenzuzo ukubamba iqhaza kuwo? Kunalokho - ngoba uhlelo impesheni co-ngezimali luthatha ngokuthi ngazo zonke ruble, busuka ngumuntu, isimo izokwengeza kwenye yami. Kuyinto enhle kakhulu ngokuya ilungiselelo umhlalaphansi, njengoba izinga layo kuzoncika ezezimali, esahlanganisa ngezithukuthuku amalungelo omuntu. Ngenxa yalokho, infusions eningi ungathola ukusekela okuhle kakhulu. Futhi uma ekugcineni normalizes kanye noguqukozimali izomashela 1-2%, kuyoba ezisenza siphile kangcono!

ingxenye

Qala uhlelo co-ngezimali impesheni can noma yisiphi isakhamuzi we Russian Federation. Kodwa ngaphambi kokuba lokhu, ukugcina zonke nemibandela ekunikezeni kwayo. Ukuze iqhaza kufanele uqale ukulungiselela isitatimende ngiwunike ochwepheshe sempesheni ngokuvumelana izindawo zokuhlala. Ukuze lokhu kumele kwengezwe ikhophi yephasiphothi yabo futhi akwethule lapho wenza isikhulu wemfanelo. Futhi, kufanele zinakekelwe ukuthi kunobufakazi bokuba khona umshwalense impesheni. Kuyini khona? Njengoba kushiwo ngaphambili, lolu hlelo isimo impesheni co-ngezimali ihlobene eduze yomshuwalense yokunikeza isikhathi sokuguga. Khonza njengoba lawa madokhumende etholakalayo noma matfupha nobe umqashi wabo noma ngokusebenzisa inhlangano is eliqinisekiswe yi yesikhwama sempesheni ngoba ukuqaliswa izenzo ezinjalo.

izikhathi ezikhethekile

Njengoba nje kulotshiwe ngaphambili, uhlelo impesheni co-ngezimali ihlinzeka isilinganiso 1: 1. Ngamanye amazwi - kwabantu ukutshala, ngcono kuzoba. Kulokhu, kunokuningi okungakhulunywanga ngakho ezithile. Ngakho, abantu asebethole sokumpeshena, kodwa musa uthole inkokhelo zabasebenzi, lapho nokufaka izimali ku-akhawunti yakho uzothola ukwanda ngokuphindwe kane. Ake sibheke isibonelo esilula. Ngokuvamile, uma umuntu uzokwenza ama-ruble ayizigidi eziyishumi, esilinganayo siyonezela kusuka ngokwabo futhi isimo. Kodwa uma kuba - impesheni, ukuthi ongawamukeli benefit okusebenza, khona-ke akuyena ukudabula 20,000 futhi 50,000, njengoba 40 000 niyozenezelelwa by isabelomali. Yenza iminikelo ku-akhawunti kungaba ubani, nganoma iyiphi indlela oyithandayo. Into kuphela ukuthi kudingeka kwenziwe ngaphambi kokuthi - ukuphendukela ochwepheshe ophethe ukuze uthole imininingwane ngalolo, futhi uzodinga ukuthumela imali. Abanye abagxeki ukholelwa ukuthi uhlelo co-ngezimali kwezimpesheni for umhlalaphansi futhi ongakabi kuvele lonke izakhamuzi wadala ukwandisa zigcine PF. Kodwa uma kungenjalo, uma kungenziwanga zeroed, ngokuqinisekile wadala abantu okuhle.

imikhawulo

Uhlelo impesheni co-ngezimali sandisiwe, kodwa kukhona kwezithibelo ezithile. Ngakho, kwatholakala ukuthi impesheni ukusebenza e-2017 ngeke bakwazi ukubamba iqhaza kulo. UHulumeni ukholelwa ukuthi i-akhawunti yabo yomhlalaphansi, nokunye kuzokhulisa ngenxa nesanda umshuwalense ezivela kubaqashi. Futhi imali eyengeziwe akudingeki. Futhi indlela namanje ezithakazelisayo kuvela! Kungcono ukwenza imali ku impesheni, kodwa umsebenzi benganikezwa is kungenzeka! Futhi inothi inombolo enkulu umehluko wemisindo nemiqondo yamagama, okuyinto kuyinto efiselekayo porasprashivat abamele legatsha lendawo le PF. komkhawulo Obalulekile - inani top-up. Ngakho, i-isakhamuzi osebenzisa lesi sici ungenza njalo ngonyaka isizumbulu semali kule ezahlukene ezimbili izinkulungwane eziyishumi nambili.

Kungani wasungula?

Kungani kwanqunywa ukuthi co-ngezimali kwezimpesheni lasakhulile hhayi oshiywe izakhamuzi iholide bayohlalaphi? Ngaphambili, ukugcizelela main ivuliwe yomshuwalense ingxenye. Kodwa ngokuhamba kwesikhathi kwacaca ukuthi isu enjalo ayikuvumeli ukuba silondoloze ukuphila kwakhona kusezingeni eliphezulu. Kube nezinkinga ezithile ngo-2014, lapho umshwalense ingxenye impesheni ziye simisiwe. Ngakho-ke, kwanqunywa ukuthi inkinga, naphezu khona layo futhi ngezinga elikhulu namanje kudingeka zixazululwe. Kodwa le ndlela yokukhuluma njengomhlatshelo kwenza kube nokwenzeka zonke izakhamuzi ukwandisa ubukhulu okuqukethwe esikhathini esizayo. Kukhona uhlobo lwabantu engibathandayo konke kumnandi. Ngakho, abantu abazalwa ngaphambi 1967 futhi akazange ahileleke ukwakheka uxhaso ingxenye, bayoba nethuba ukuthonya Usayizi tibalo wathola. Lokhu kuzokwenza adambise umhlalaphansi yabo. Eminyakeni izakhamuzi abasha bayohlanganyela izimali phakathi co-ngezimali kanye ukunqwabelana.

isiphetho

Bamba iqhaza kulolu hlelo, kanti abaqashi kungenzeka idluliselwe umuntu ngumuntu lemali okuhambisanayo. Lokhu kwenza kube nokwenzeka ukuba inciphise UST. Naphezu kwezinzuzo yalawo mathuluzi nokuthembeka opharetha kwezomnotho ezisebenzisa ngendlela efanayo, abaqashi musa ukusheshe ukudingela izisebenzi zayo. Ngakho, kungenzeka ukuba sicabangele njengesibonelo ezinye izinsuku eziyisishiyagalombili, efana ngonyaka odlule. Khona-ke izakhamuzi wathumela ruble 7.1 bhiliyoni, kuyilapho izinhlangano abathola okungaphansi kwalokho 130 million. Kuleli qophelo, ngokuvumelana izinkulumo ezenziwa izikhulu zikahulumeni, lolu hlelo bazuza ezingaphezu kuka-8 million. Man. Phakathi isikhathi sokusebenza zalo, idluliselwe akhawunti abo amane nanhlanu kanye ruble yizigidi eziyizinkulungwane nengxenye. Nokho, ukukhuluma mayelana ukuzethemba futhi esizayo Licwathile namanje akudingekile. Njengoba ayaziwa ngo-2014 e-Russian Federation kukhona izinkinga abalulekile uhlelo kwezomnotho. Ngakho-ke, umzamo omkhulu sibhekiswe izikhulu ukuba inciphise ezezimali ezisebusweni ohlelweni impesheni, kanye ukubandakanya izakhamuzi enqubeni self-kumiswa imali yabo.