Kungenzeka yini ukuba inhloko-dolobha womama ukwakha indlu

Kuyini dolobha kamama? Lokhu kwakwenziwa ngayiphi injongo kungenzeka ukuchitha?

inhlokodolobha nokubeletha kuyindlela kuxhaswa kuhulumeni ngoba umndeni Russian lapho kunezingane. inhlokodolobha nokubeletha yethulwa ngo-2007, ubungako okwandisa unyaka ngamunye. Thola isitifiketi inhloko-dolobha kungaba umndeni abakhetha noma wabeletha ingane yesibili noma yesithathu (noma izikhathi ezilandelanayo) uma kwenzeka ekuqaleni kwaleli dolobha awuzange abayitholayo. Ukuze zonke izingane yisakhamuzi Russian kusukela ekuqaleni 2007 kuze kube sekupheleni 2016 sihlinzekela uhlobo ukwesekwa.

inhlokodolobha nokubeletha siqondiswe ezindaweni ezilandelayo:

- kuya umntwana amthola kamuva imfundo;

- ukuthuthukisa izindlu zabo, isibonelo, womama dolobha ukuze kwakhiwe indlu noma ukwakha kabusha yayo, kanye ukuthengwa emakubo;

- esebumba ingxenye uxhaso yempesheni zabasebenzi.

Muva nje, Duma State lidlule ezinye izichibiyelo bebheke inhlokodolobha umzali. Lokhu kusho ukuthi inhlokodolobha angachitha self-ukwakhiwa ezindlu zabo eziyizitezi. Manje, ukuze uthole inhlokodolobha womama ukwakha indlu akusho ukuthi kuhilelani osonkontileka ezikhethekile.

Izimali zidluliselwa ku izinyathelo ezimbili, engxenyeni yokuqala ka inani capital etholakalayo uma abanikazi ukuletha isixazululo kule ukwakhiwa. Eyesibili kwesigamu semali - lapho kuzoqala ukwakhiwa, kodwa akukho ngaphambili kuka izinyanga eziyisithupha. Futhi, inhlokodolobha womama ukuze kwakhiwe indlu kumele inikwe labo imikhaya abakhuluphele kakade ngezindleko siqu endlini yabo yakhiwe.

Ngezinhloso ezifana imvume ukuze kwakhiwe indlu, kumele ufake isicelo nge isicelo ezidingekayo Pension Fund. Indlu kuyadingeka ukukhipha njengoba impahla yomndeni ezivamile.

Ukwakhiwa kabusha - yigama. Nokubeletha dolobha ingaqondiswa kabusha leyo ndlu, kodwa hhayi ukukhanda yayo. Ngokwesibonelo, ukudluliswa kweemali Kwenziwa emagcekeni i yokulungiswa ubudala noma ukwakhiwa kwezakhiwo ezintsha. Uma umndeni enquma kabusha induku iphepha lokunamathisela odongeni, ukupenda ophahleni noma into efana nalokho, bese imali ngeke ukhokhelwe kusukela le nhloko-dolobha. Kodwa uma udinga esikhundleni wiring, ayokwakha kabusha Loggia noma ukuqhuba eminye imisebenzi efanayo, okuyinto njalo uxoxisana kufakwe kabusha izakhiwo.

Ukuze uhlele imvume yokwakha indlu, kufanele uthole imvume ngqo sokufeza yimuphi umsebenzi kusayithi. Yonke imibhalo kumele ithunyelwe Pension Fund. Isamba uzokhokhelwa ezinyangeni ezimbalwa. Abantu abaningi ngephutha sikholelwe ukuthi inhlokodolobha womama ikhishwa ngokushesha ngemva wokufaka kwemibhalo. Kodwa lokhu akulona icala. Kuphela ezimbalwa kuzodluliselwa imali.

Ukuze enze izindleko kwemibiko ekwakheni, kumele uyawakhumbula wonke amarekhodi, namarisidi amabhajethi wempahla ukuthi baqothulwa phakathi nawo wonke wokwakha. Kumele kukhunjulwe ukuthi inhlokodolobha kunikezwa kanye kuphela. Ngeke zisetshenziselwe ushintshe isitifiketi, uma usayizi waso luyanda. Futhi, inhlokodolobha womama - yilungiselelo imali umntwana ongakazalwa, futhi wonke umkhaya wakhe. MSC sisebenza kuphela lapho beboniswa ipasipoti kanye nesitifiketi sokuzalwa sengane.

Udaba izindlu ivamile eRussia konke. Nakuba ukuchitshiyelwa nemithetho, inhlokodolobha womama ukwakha indlu, ungasebenzisa ngokuphepha. Futhi ikakhulukazi kwalezi zichibiyelo ziyadingeka imindeni emikhulu, lapho udaba ekhaya siqu sibi kakhulu.