Konke mayelana nenhloko yomzali: indlela yokuthola, ukuthi yini oyisebenzisayo nokuthi ungayikhokhisa kanjani imali yokubeletha

Imali yokubeletha, noma njengoba kubizwa ngokuthi umndeni, imali uhulumeni abanika, ngokuhambisana nomthetho, ukuze bahlinzeke ngezinto ezibonakalayo kulabo izakhamizi abaye banquma ukuba nabantwana ababili noma ngaphezulu. Izimpahla zomholo womzali zinikezwa ngefomu elingelona ukheshi, njengesitifiketi, futhi lidalwe kwi-akhawunti yesiKhwama sePensheni esifundeni noma idolobha lapho umndeni nabantwana abahambisa imibhalo edingekayo babhalisiwe. Ngokuvamile, imali enkulu yokubeletha iyinhlobo yemali emindenini eye yanquma ukuthuthukisa isimo sezwe kuleli zwe.

Ngingaphi lapho ngithola khona imali yomndeni?
Isisekelo sokuthola izimali yisitifiketi sombuso esibhalisiwe. Kudingekile ukuyifaka isicelo emhlanganweni wezokuphatha we-PF weRussia Federation endaweni yokubhalisa. Ilungelo lokuthola lesi sitifiketi livela ngesikhathi sokuzalwa kwengane.
Yimuphi idatha okufanele inikezwe ngokuthola imali yokubeletha?
Isicelo sesitifiketi;
- Idokhumenti yangempela eqinisekisa ubunikazi bakho, indawo yokuhlala kanye nesakhamuzi (ipasipoti);
Isitifiketi esiqinisekisa ukuthi ungubani, indawo yokuhlala nokuthi amalungelo ommeleli wezomthetho aqinisekiswe ngumbhalisi, uma umlamuleli ehlangene necala elinikeziwe;
- isitifiketi esiqinisekisa ukuzalwa kwengane noma isinqumo senkantolo ngokuvumelana nokuthi ingane yamukelwa kanjani;
-Uma umuntu ebiza imali yokubeletha, kumele athumele incwadi eqinisekisa ukufa komama noma ukuthi wayenalo ilungelo lomzali;
-Uma ingane ngokwayo ithi i-capital capital, kufanele inikeze isitifikedi sokufa kwabazali noma abazali abazali.
Ubani onelungelo lokuthola imali yokubeletha:
-Uwesifazane owabeletha noma owamukela ingane yesibili, kusukela ekuqaleni kuka-2007. Futhi futhi okwesithathu futhi okwalandela, uma ngaphambi kwalokho akazange athole imali eyengeziwe;
- indoda eyedwa yedwa ophethe ingane yonke eyimpumelelo, kanti engakaze athole izindlela zemali yomndeni, futhi isinqumo senkantolo ngokutholwa kwengane sithole umthelela wayo ngokomthetho kusukela ekuqaleni kuka-2007;
- izingane ezizitholela imali ngokuzenzekelayo kusukela lapho zizalwa, ngoba zaba izintandane ngaphambi kokuba zifinyelele abantu abadala (noma eminyakeni engamashumi amabili nantathu, uma zifunda ngesikhathi esigcwele).
Isimo sokuphoqeleka: ukuze kube nenani lemali yokubeletha , abazali nabazali kumele babe izakhamuzi zaseRussia Federation. Futhi akunandaba ukuthi bahlalaphi. Futhi, ubuzwe bobubili buyamukeleka , kodwa bangasebenzisa isitifiketi kuphela eRussia. Imali yokubeletha, ukusetshenziswa okungenzeka kanye kanye, kuyoba usizo oluhle lomndeni.
Okwamanje, imali yezimali zokubeletha imali ingaba ngezindlela eziningana. Ezinye zazo azitholakali ngokomthetho, kepha ngokusemthethweni ungayithola:
-ukukwakhiwa kwezindlu, uma unquma ukwenza lokhu ngokwakho:
-ukulungiswa kwendawo yokuhlala:
-Ikhwalithi yenxephezelo yezindlela zokulungiswa noma ukwakhiwa okusetshenzisiwe.
Ngokufanayo, imali yokubeletha ingakhanjiswa ngendlela engokomthetho, okungukuthi, kungamanga ukuthenga izindlu ezivela kumakhomishana eseduze noma ajwayelekile. Cishe ukuthengiselana okunjalo akukwenziwa, njengoba umnikazi eqhubeka ehlala endlini edayisiwe, futhi umnini wesitifiketi uthola imali. Ngokuqondene nezingane, ziba ngabanikazi bezindlu, ngakho-ke, zonke izimo zomthetho zihlangene.

Yiqiniso, umuntu akufanele asebenzise izindlela ezingekho emthethweni ukuze akhiphe imali enkulu yokubeletha. Noma yikuphi ukukhwabanisa kuzotholakala ngokushesha noma kamuva futhi kuxazululwe. Futhi imali enkulu yokubeletha, ngaphezu kokuthuthukisa izimo zezindlu, ingasetshenziswa ukuphatha ingane noma emva kweminyaka eminingana emfundweni yakhe.