Life yemphesheni efulethini - kuyini? Kanjani ukukhipha futhi usayine inkontileka zokuphila annuity?

Namuhla, esikukhathalela ngempilo annuity efulethini. Kuyini lokhu? Lapho ngaluphi uhlelo kuba? Yiziphi izinzuzo nezingozi zalesi simiso babe? Konke lokhu kungenxa ekhathaza abantu abaningi eRussia, ikakhulu asebekhulile. Phela impesheni ukuba basinde kule lizwe isiba nzima. ne ubuhlobo obuseduze ngokuvamile akuzona kuhle ukuze bakwazi ukuba nokugcinwa yabo ngokugcwele. Futhi ikhono ukusekela asebekhulile akusona neze - ukuze usinde yena. Ngakho, ukuphila annuity efulethini - kuyini? Kwenzeka kanjani? Yini imibhalo kudingeka ukuba abantu babulawelwe kuzo yayo?

Obani nokuthi ubani odinga

Into yokuqala ukuthola ukuthi ngubani udinga ukuba sicabange ngokungathí sina kusihloko sethu samanje. Phela, ngokwako inkontileka ukuphila annuity kuvamile. Ivame okuvalelwe impesheni olulodwa.

Okokuqala, le sevisi kuyadingeka kulabo abadinga ukusekelwa ngokwezimali. Ngokuvamile kuba indoda engenabantu ubudala, noma ngenxa yesizathu esithile Asisekeli zomkhaya nezihlobo, noma ngokuvamile akudingeki kubo.

Ibe isilandelwa kukhona abahola impesheni, okuvela kulo, ngoba noma ngabe yisiphi isizathu ayibuyi izihlobo. Kungakhathaliseki ukuthi isizathu sehlo - ukungamnaki asebekhulile noma ngempela wayenesizathu esihle lesi sinyathelo.

Okulandelayo - nje izakhamuzi abangafuni ukwehlukana impahla kwezihlobo. Life yemphesheni inkontileka ngoba ifulethi kuvamile. Futhi uyakwazi embroil ngisho umndeni kakhulu yayisondelene. Ngezinye izikhathi impesheni ekubeni sesimweni ezanele ukuze bavumelane nokubhalwa lokhu ephepheni nabantu ongabazi. Khona-ke, njengoba umthetho, kufanele kube ezingezinhle izindlalifa kanye ukumisa ukusekela ngokwezimali. Akubalulekile ukuba umangale, ukusola laba bantu akukwazi kunoma isiphi isimo. Phela, ngemva kokubona lokho kuyinto efulethini ukuphila-kuqhekezeka ephilayo, izihlobo kungase kube into ekhungathekisayo ukuqonda.

incazelo

Nalokho thina manje ekubhekaneni? Prakthiza ebonisa ukuthi ezweni lanamuhla nezintela baqala ukuhlangana ezingasho njalo. Phetha impesheni yayo abadala futhi endabeni ethile. Kodwa uyini kusengozini?

Life yemphesheni efulethini - kuyini? Ngoba umuntu leli phepha ukuze bangabhekani - a godsend yangempela. Futhi umuntu, ngokuphambene, ukholelwa ukuketula yakhe. Konke kuncike ekutheni ukuba ubekhuluma kubo ngoJohane ukuthi.

Kodwa kusukela iphuzu lomthetho umbono, ukuphila annuity - inkontileka ngaphansi lapho umninindlu uzothola uxhaso ehlangothini lwesibili, futhi ngemva kokufa isikhala ephilayo izakukhashelwa ukuba komhiaba ukwakha umuntu ikhokhwe imali. Singasho-ke kuwuhlobo ngokudlulisela impahla komunye umuntu kuya kwesinye. Lolu hlobo ekutholeni lithathe umhlalaphansi abathembele umuntu esenana ukudluliswa kwempahla ngemva kokufa.

Kokuqukethwe noma intela?

Njengoba-ke kunjalo eRussia, olunye uhlobo ukudluliselwa efulethini - inkontileka zokuphila yesondlo. Empeleni, ne iqashwe yena ihlobene eduze, kodwa umehluko zikhona. Ngokuvamile basuke nje ezihlanganiswe idokhumenti olulodwa. Indlela enhle kakhulu futhi ngempumelelo yokubanakekela ukuguga futhi ukudluliswa amafulethi. Annuity nge esaphila ukwesekwa - okufana ezivamile. Kodwa kuhilelani?

Esaphila ukwesekwa ngokwayo ukuze "umthengi" Yisinqumo ngempela ezingabazisayo. Kodwa umnikazi, kunalokho, kubhekwa ewusizo. Into wukuthi, ngokuvumelana inkontileka ka yerenti, enye inhlangano uyavuma ukukhokhela isamba esithile imali isakhamuzi, futhi ngemva kokufa ludlulele ubunikazi ubuso flat, ukunikeza ukusekela ngokwezinto ezibonakalayo. Ngesikhathi esifanayo ngaphambi kokufa isakhamuzi uyawuthanda impahla yakhe kanye ngaphambili.

Kodwa ukuphila annuity - ke zako kungenye indaba. Naye ngeke kufanele ukhokhe imali ethile, futhi ngokugcwele banakekele kumnikazi womhlaba. Singasho, abe impesheni umhlengikazi. ibhizinisi okuyingozi, kodwa ngokuvamile uvumelana. Life yemphesheni sokuhlala eMoscow (bahlinzeka ungathola yonke indawo) sekuvame kakhulu futhi kaningi. Futhi hhayi nje lapha. Kasibili kanye irenti kokuqukethwe.

izimo

Yiqiniso, uma unquma ukuthatha lesi sinyathelo, kubalulekile ukuthobela kwezithibelo ezithile, futhi balandele imithetho. Sihlela zonke izincwadi has algorithm ayo, okuyinto babhekwa njengabantu esisemthethweni. Imigomo ukuphila annuity efulethini kanzima kakhulu. abasenakuphumula indawo kaningi nhlobo. Okuningi ngokunembile, omunye wabo akuvezi.

Ngakho ubani nalapho unelungelo ukungena kulesi sivumelwano? Zonke abanikazi efulethini. Into esemqoka ukuthi kwathiwa okungewakho umuntu oyedwa kuphela. Ngaphezu kwalokho, impahla elicacisiwe irenti, akufanele uhambe ngentando komunye umuntu. Futhi, akunakwenzeka ukuba isivumelwano ngosizo ifulethi ukuze iqashwe noma uma wakhe ukuboshwa / ukudliwa.

Sicela uqaphele ukuthi umnikazi wendawo kulokhu kumele kubhekwe ezanele. Okungukuthi ekwaziyo. Ukuba khona nokugula ngengqondo kunesizathu esizwakalayo sokuthi lokunganikezeli ngesevisi. Okuqukethwe ukuqasha (esaphila) amafulethi umnikazi ngamunye uyakwazi ezanele. Mhlawumbe lena yiyona ndlela yonke imikhawulo. Ukunganeliseki kanye nemibhikisho izindlalifa, uma ikhona, akuzona wokwalelwa. Umnikazi enquma indlela nokuchitha impahla yakhe.

Izinzuzo nezingozi nebubi

Life yemphesheni sokuhlala eMoscow (iziphakamiso ukuhlangabezana ezingasho njalo ngonyaka) akukhona okungavamile ukuba likhithike. Futhi kweminye imizi kakhulu. Phela, kungokwenduduzo abanye abantu ithuba elikhulu kobunikazi ekhaya. Ikakhulukazi uma umndeni is akulindelekile nafa nome ungakhiphi nhlobo, noma esikhathini esizayo esiseduze.

Ungacabangi ukuthi iqashwe - kungcono mana elivela ezulwini. Kunalokho, lo msebenzi has pluses yayo kanye minuses. Konke kuncike, yebo, kumnikazi. Singasho kusukela "Umthengisi" impahla. It inomthelela omkhulu kulokho irenti kungaba ngawe - emihle noma emibi.

Ngokwesibonelo, izinzuzo zihlanganisa yokuthi isakhamuzi, umthengi uzothola efulethini impahla emva kokufa "Umdayisi". Lokhu kuwuhlobo ukuthengwa ingcebo, ukudluliselwa kwawo. Kodwa ke kukhona futhi yokuntula. Okokuqala, akwaziwa ukuthi bangaki abantu asebekhulile abangabafelokazi bahlala, kodwa, ngokuvumelana inkontileka, noma kunjalo uzodingeka ukuze uthumele kuye imali njengoba kuzo ukusekelwa ngezinto ezibonakalayo. Kungakhathaliseki ukuthi ungakwazi ukufeza lesi sibopho noma cha. Okwesibili, ngezinye izikhathi lemali uyogcina ukuhumusha idlula izindleko zangempela kwezindlu. Hhayi esivamile, kodwa kwenzeka. Okwesithathu, inkinga izihlobo yomnikazi yibhange cishe 100% - konke uzobe ezama ukufakazisa ukuthi ilungelo labo impahla, okuyizinto eqinisweni ngingekho emva iqashwe.

Ekugcineni, lapho inkontileka kuhambisana ngokushesha kakhudlwana futhi kokuqukethwe, okunye "amakhasimende" ngeke amnandi. Ingabe kufanele ngokugcwele dohazhivat ongamazi eliphelele, futhi uyigcine zonke izinzwa. Nakuba kungezona zonke lucky nezihlobo. Ngezinye izikhathi ukuba ukunakekelwa ongamazi kungaba mnandi nakakhulu. Okuningi kuxhomeke ekutheni ukufunde impahla yomnikazi. Noma kunjalo, kungcono kuwe. Ingabe anentshisekelo ekuphileni annuity sokuhlala eMoscow noma kwelinye idolobha? Sanquma ukuba nithathe lesi sinyathelo? Khona-ke kudingeka silungiselele lokhu okwamanje.

sivumelwano

Into yokuqala udinga - ukuthola "amaklayenti". Noma "umthengi" (uma ungumnikazi), noma "Umthengisi" (uma ufisa ukuba othile anakekele). Isigaba sokuqala abantu ngokuvamile nje ukunikeza isikhangiso, kanti eyesibili - ubathola. Futhi ngakho abantu bevumelana ukuba kuthengiselana.

Into ebaluleke kakhulu ukuthi kuzosiza ukukhipha annuity (impilo yonke) efulethini - inkontileka. Luyakukhahlela kahle ebekwe yonke imininingwane lokuvumelana. Lapha, zombili izinhlangothi bavumelane inani izinkokhelo futhi ukutholakala ukunakekelwa efulethini / umnikazi, uma sidingeka. Ayikho ezisheshayo, kuyancomeka ukuba ucabangele wonke umehluko wemisindo nemiqondo yamagama.

Ngokwesibonelo, ukubhalisa ilungelo ifa lempahla lomthengi ekufeni kwakhe. Annuity inkontileka ngesikhathi esifanayo kungenzeka, namkha ngemva kokuphela, noma esitholakala ngofuzo kubantu elilodwa noma kwenye isakhamuzi. Futhi banake izikhathi ezindabeni zokunakekelwa kwezempilo, ukwelashwa, futhi unikeze abanikazi-impesheni.

Isivumelwano ngempela ukubhalisa izinsuku ukufakwa kuhlu ukusekelwa ngokwezimali. Yonke imininingwane ehilelekile kufanele kucatshangelwe. Sample ukuphila annuity inkontileka efulethini empeleni ayikho. He is ezahlukene, kodwa kufanele ngempela aqukethe ulwazi mayelana impahla idluliselwe impahla, kanye ahilelekile kuleli cala.

ubuntu

Life yemphesheni efulethini, alinikela bayanda, ayikwazi ukutholwa sezizophela ngaphandle ungubani zombili izinhlangothi. Lapha e ipasipoti Ukugunda. Noma kunalokho, amakhophi abo. Kungenzeka ngisho ngaphandle isitifiketi.

Sicela uqaphele ukuthi yonke imiqulu tibalwe lapha ngentasi, zisetshenziswa inkontileka yakho. Kwezinye izimo, okudinga okwangempela, kanye ungathola amakhophi. Kuphela ayimpoqo identity ikhadi of zombili kufanele kuchazwe ngayo.

Mina - umnikazi

Inkontileka yemphesheni efulethini ayivumelekile ngaphandle uhlu ocacile kwemibhalo. Ngaphezu kwalokho, wena umane senqabe ngemvume yawo. Ukuze ukwazi ukungena ukuthengiselana okunjalo, umninindlu kufanele ngempela ukunikeza ubufakazi ubunikazi efulethini.

Yini lapha akunakubangelwa? Okokuqala, oqondile ubufakazi bobunikazi. Kuyinto efiselekayo ukukhiqiza ikhophi eqinisekisiwe. Futhi kudingeka ulwazi mayelana efulethini. Ukuze wenze lokhu, thatha isitifiketi kusukela BTI, kanye kula irejista endlini. Ungakhohlwa amadokhumenti ku ukubaluleka cadastral ekhaya lakho. Bangakwazi ukuletha kamuva, kodwa kungcono ukuba ahlanganise uhlu oluphelele imibhalo. Ungakhohlwa ukuhambisa isitifiketi ukungabi une izikweletu impahla.

impilo

Life yemphesheni efulethini - kuyini? Njengoba sesibonile, sibhekene uhlobo ukudluliselwa kobunikazi komunye umuntu, kodwa izici zayo siqu. An ozikhethela, kodwa iphuzu elibalulekile - lesi sethulo sezitifiketi zempilo "Umthengisi" impahla. Sidinga imibhalo kusuka Injwayelo futhi esibhedlela sengqondo. Kuye kwathiwa: izakhamuzi eyanele kuphela Unelungelo isivumelwano esinjalo.

Ekusebenteni, bambalwa abantu behileleka ukuthola idatha inkomba. Kodwa uma indlela nesibopho yinkinga nge-annuity esaphila, kungcono abacabanga ngokuthula, "umthengi". Ngempela, khona izitifiketi eqinisekisa isimo sakho enempilo ngokwengqondo, londoloza umnikazi esizayo ekuhlaselweni by izindlalifa zakho, uma ikhona. Kuyoba lula ukufakazela ukuba semthethweni kohlelo isenzo.

komsebenzi

Phakathi kwezinye izinto, kufanele akhokhe imali isimo. Life yemphesheni inkontileka ifulethi kudinga kokwenza ethile imali endaweni yengcebo isimo ukuthengiselana. Njengomthetho, wenza inkokhelo ngenxa abanikazi. Okungukuthi, kufanele akhokhe owayesethathe umhlala-phansi.

Ngezinga elingakanani? Ngo-2016 i-inkontileka annuity nge esaphila ukwesekwa (noma cha) kuyodingeka ukuthi bakhokhe ruble 2000. Akusekho, lokungekho ngephansi. Isikhathi esining impela, inani elifanayo abanikazi ucelwa ukuba othile abayokwakha izinkokhelo kubo. Hhayi ngempela wezomthetho, kodwa ungakwazi ukuxoxisana. Into esemqoka ukuthi wema idatha yokukhokha initials futhi lowo ufana nomthengisi efulethini.

Isiphetho ngokushesha

Empeleni, yilokho kuphela. Awekho amadokhumenti esengeziwe isignesha nesiphetho yesivumelwano akudingekile. Kodwa inqubo akugcini lapho. Manje sidinga ngandlela-thile bagunyaze izivumelwano.

Lokhu kwenziwa kanjani? Kumele zisebenze ummeli olungisa izivumelwano. Kuyoba ukufunda nemibandela yesivumelwano, kanye nawo wonke amanye amadokhumenti ozibekile. Uma konke kwakwenziwa ngendlela efanele, phambi kwakhe, isivumelwano sisayinwe futhi amukelwa evumelekile. Ayikho? Khona-ke ukuchaza indlela yokulungisa lesi simo. Uma Esimeni esinjalo, kuyodingeka kabusha ukuyovakashela ummeli olungisa izivumelwano ngemuva kokuthi bathathe isinyathelo ukuze ifinyelele esiphethweni esiphumelelayo kuthengiselana. Ngokuvamile lesi simanga siyenzeka - izakhamuzi nje ungena kwinkontileka zokuphila annuity nokugcwalisa izibopho zabo.

nullity

A indima enkulu futhi eyadlalwa udaba yokuqaphela kuthengiselana ayivumelekile. Njengoba umkhuba ubonisa, isihloko okhathazeka ngokuyinhloko igazi izihlobo nezindlalifa abanikazi bezindawo. elinde nje ngabo badumaza omkhulu - ukuqaphela njengokuthi engavumelekile irenti ngisho simple. Kuphela ezimweni ezimbili, lokhu kungenzeka.

Okokuqala, kungenxa ukuqashelwa yomnikazi ehlatshwa ngesikhathi kuthengiselana. I reception ethandwa izindlalifa, okuyinto lula "ngiwunqamule" - ezanele ukwenza isitifiketi impilo kusengaphambili "Umthengisi", elizoquketha ukuphila. Ngemva kwalokho, izihlobo igazi abanandlela.

Futhi, ukuphila annuity efulethini ukuhlonishwa njengobukhosi Izibuyekezo ayivumelekile ongawamukeli ezinhle kakhulu, ngoba iphuzu lesibili, okuyinto kunakwe - lokhu kuhluleka kuhlonipha umthengi izibopho zakhe. Ibhekane lolu hlobo mkhuba ivelakancane. Ngoba ngokuvamile kungcono uhambisane nemigomo yesivumelwano, bese ungene ubunikazi indlu okungaphezu nje umuntu ukunikeza ukusekela ngokwezinto ezibonakalayo. Phela, isamba semali ikhokhelwe ngeke ibuyiselwe. It kuvela ukuthi cishe akukho ithuba lokubona iqashwe ayivumelekile.

Imiphumela

Sekuyisikhathi ukuthatha isitokwe. Life yemphesheni efulethini - kuyini? Ngoba umuntu, njengoba kuye kwashiwo - insindiso. Futhi umuntu, le dokhumenti kungaletha eningi izinkinga. Sicela uqaphele: ukuqaphela wokuthenga ongavumelekile cishe kungenakwenzeka.

A inqubo efanayo kuvamile eRussia. Futhi ngaphezu kwakho konke nezintela nokusekela ukuphila konke (noma cha) angene kubantu abanesizungu abadala. Ukubulawa isivumelwano akuyona njengoba kunzima njengoba kubonakala efika kuqala. Cabangisisa ngaphambi uyavumelana into. It has kunezinzuzo zako kanye nebubi bobabili.