Capital kubeleka, FIU: iintlawulo

Russia usikhathalele ngekamva layo. Ufuna ubungqina? Maternity capital FIU unika abo banelungelo kuyo ngumthetho. Le nkqubo isebenza ukususela ngo-2007, yaye ngempumelelo. Makhe ukujamelana nabo amacala FIU kubeleka, iya kukhupha, njengoko yenzeka. Urhulumente akunakwenzeka apho kuya kubakho abantu abangenayo i ingcinga jikelele ngalo mbandela, kodwa kusenokwenzeka ukuba uyazi kujonge izinto ezibalulekileyo. Kwaye oku kubalulekile kuba ilizwe esikhathalela ngekamva, kwakunye neentsapho.

Intsingiselo jikelele lodweliso lwenkqubo

Siphila kwihlabathi nkulu, apho wonke umntu osebenza naye. Kulo mba, lilele elikhulu kuluncedo kakhulu kuphuhliso lwabantu yajika emngciphekweni. Abantu uzale abantwana ndinyuse, abanalo ixesha ukubaleka ngenxa engange ngaphezulu. Ngenxa yokuba anganikwa ithuba lokuba kuthengwe izindlu, ukuqokelelwa kwemali yimfundo yomntwana, nezinto ezinjengezo. Mhlawumbi, phantsi capitalism, le meko uthathwa eqhelekileyo. Kodwa lizwe ufuna impilo, imfundo, kakuhle yabemi, oko amandla yayo engundoqo. Ngenxa yoko, ukuxhasa inkqubo iintsapho ezinkulu. Kubhaliwe ukusebenza nokuphunyezwa kwayo we Pension Fund ka-Russia (PFR). capital kubeleka udlula-akhawunti zombutho aye umboleki, ezizezi abemi unelungelo lokuba phantsi komthetho. Kakuhle eli nkqubo ochazwe: iingxaki abantu abakule meko. Ngoku ungakwazi ukuqhubeka ukuya ingqalelo ubuqili. Njengoko umama okanye utata ukufumana capital kubeleka? FIU isebenza kuphela ukuba indlela yolwamkelo lobuqu okanye namanye amathuba ukuze isicelo? Konke oku kubaluleke kakhulu kubazali iintsana okanye abantu ndixakekile zokusebenza ukhulisa abantwana ngexesha elifanayo. Abanalo ixesha elaneleyo xa abalekayo ejikeleza abaphathi-mkhosi.

Ngubani onelungelo capital kubeleka?

Asingabo bonke abemi isicelo ezongezelelweyo, kunokuba intywenka yemali evela mali. Komama Capital Pension Fund oya kuphela abemmi Russian Federation. Oko kukuthi, kufuneka uqinisekise ukuba umntwana a 'ummi' eli lizwe. Oku kufuna isiqinisekiso nokufumaneka ubumi Russian. Ukongeza, iikopi ezifunekayo umama zokundwendwela okanye utata, izatifikethi zokuzalwa bonke abantwana. Maternity capital FIU, ngokutsho nkqubo ekhutshwe kwi abantwana lesibini okanye elilandela, awabazalelwayo emva ngoJanuwari 1, 2007. Uthi ukuba ubulungisa, kuba eshiya ngasemva a lot of iintsapho abakhulisa iintsana azalwe ngaphambili? Wena engalunganga. Urhulumente ngale ndlela kukhuthaza ukwanda kwenani labantu. It uceba kwakhona azale.

amaxwebhu

capital lokubeleka FIU ayiboneleli kuphela omnye wabazali. Ngokuba, ngelishwa, asingabo bonke abantwana babe umama kunye notata. Kuba mali unelungelo ngumlondolozi okanye ngumzali. Lo mntu kufuneka anikezele amaxwebhu engqina ubume umhloli. Kufuneka kukhunjulwe ukuba le ndlela yokubala iza kuthatha bonke abantwana ngoobani ngumzali (umgcini) uphakamisa (kunye zawo, ezamkelela). Ukuba umama wafa okanye anqunyulwe amalungelo, kufuneka ufake ikopi isiqinisekiso sokufa okanye isigqibo senkundla. Qokelela zonke amaphepha phambi kokubhala isicelo. FIU amacala kubeleka ngexeshana elifutshane. Inika abasebenzi iinyanga ezintathu. Kuyacetyiswa ukuba nakanjani kubo, kwanyanzeleka ukuba bonke iphepha elitsha. maxwebhu akahambi abaninzi kangaka elifunekayo ukuze bakwazi ukuthatha inxaxheba kule program. Njengoko umthetho, ukuqokelelwa angezanga naziphi na iingxaki.

Apho uyakwazi ukuchitha imali?

Xa ezinjalo iinkqubo elungileyo yaye kuyimfuneko kunzima. Injongo kukuba ukunyenyisa iintsapho ngemali ukungalingani amathuba ukhuseleko lwezimali kunye nokudalwa iimeko eziqhelekileyo abazali abantwana. Njengoko kucwangciswe liSebe Abenzi bemeko-nkqubo, kule meko, abantu bakufumanisa kunzima ukuthenga indlu okanye indlu, ukuqokelela uqeqesho njalo njalo. Elo lizwe khathalela ezi azidingayo. Ukuthenga kungaba, ngokomthetho, ukuba:

• intlawulo ngomntwana;
• ngesisombululo ingxaki yezindlu;
• ekudaleni iimeko umntwana abakhubazekileyo kunye hlengiso bakhe kwezentlalo;
• senza le akhawunti umhlala-phantsi unina.

Fumana imali kwakhona kunokwenzeka, kodwa kuphela xa "luzizicuku" encinane, ngokungqinelana kunye nezigqibo ezithile kurhulumente.

Kanye ngendlela yokufumana imali?

Isiqinisekiso kwilungelo elikomkhulu - sisiqingatha edabini. Ngamanye amaxesha kukho iingxaki negumbi wayo; kodwa ukuba isonjululwe nokusetyenziswa ngokuphindaphindiweyo. Nzima kakhulu ukuba kuqokelela amaxwebhu ukuze RPF ukusebenzisa capital ngosana. Xa oku, bantu ezininzi iingxaki. Okokuqala, izibalo kuphela ngendlela non-cash. Uye wagqiba ukuthenga indlu, umzekelo, kwaye umthengisi Akukoyikiswa ukunxibelelana kunye nebhajethi. Yinto eyaziwayo ukuba zonke iintengiselwano lukhangelwa ukusetyenziswa ekujoliswe yemali. abanini Certificate ukuba ukubandezeleka de afumane omnye ofanelekileyo endaweni yawo. Okwesibini, FIU iye kodwa ukuthatha iphepha. Kwaye oku, kakhulu, ingxaki ayikho into enye elula. Kucetyiswa ukuba uqale ukuya umhloli uze ufumanise oko anako imiyalelo, oko kukuthi ukusebenza ngokubambisana. Oku kuya kunceda ukufumana ngeenxa ezininzi imigibe.

Indlela ukuphucula iimeko zokuphila

Siphendu- ezona zinto, noxhamla ubuncwane. Ukungaphumeleli of the RPF xa kufakwa eyinkunzi umzali - nemeko zingambi kakhulu. Kuyimfuneko ukuba ukuqokelela iphepha ngokuchanekileyo, ukuze ufumane. Ukuze ukuba uhlawule kukuphuculwa kweemeko zokuphila kwindawo yokuqala kufuneka kwisivumelwano sentengiso, urhulumente ebhalisiweyo. Ikopi qhoboshela kwisicelo kunye nesiqinisekiso. Ukuba ngaba unqwenela ukuba uchithe zokulungisa, ngoko ke lowo kufuneka banikwe imvumelwano esayiniweyo kunye nenkampani enikezela ngeenkonzo efanayo. Kodwa khumbula ukuba imali ngenxa yomsebenzi kuphela emva kokuba lwenziwe. Ngu umfanekiso okhethiweyo iphepha ukwakha ikhaya lakho: uxwebhu kwi nobunini bomhlaba kwaye isivumelwano kunye eqinile. La maxwebhu alandelayo kufuneka kuzo zonke iimeko, kufuneka siqulathe iinkcukacha ze-akhawunti yebhanki yomntu lowo ukuhlawula irente (ulungiso okanye ezinye).

Xa imali transfer?

abanini Happy wesiqinisekiso yokwenza izicwangciso, izinketho ikhethiwe, kwaye umthengisi kufuneka imali. Oku izinto zabo bathi bangquzulane. kuyimfuneko ngokucacileyo ukuze umntu lowo mvumelwano kuphothulwe, ukuba aphendule, ziziphi ngokwemiqathango FIU lidwelisa capital kubeleka. Ngokutsho komthetho, ukuhluzwa isicelo inikwa umhloli kwinyanga enye. Kodwa ke kubalulekile ukuba sibe nentembelo yokuba ziqokelelwe onke amaxwebhu ayimfuneko, musa ukuba uzenze. Ngoko ke, dibana nomphathi wakho kwangaphambili, ebonakalisa amaxwebhu ukuya FIU. Yamkelani capital lokubeleka kusingathwa ngendlela efanelekileyo, kodwa unako ukufumana elirhoxisa kwaye ngokufanelekileyo ababulawa kukho into engekhoyo okanye into ethile. Ngenxa kunqweneleka ukuba isiphoso. Ukuba ufumana ukungaphumeleli, ngoko musani kuba nexhala, uze ufunde kangangoko kunokwenzeka ngokweenkcukacha izizathu. Amaxwebhu kuza kufuneka nditshintshe, kodwa ungalahli ithemba. Maxa wambi, le mali iza kuya umthengisi.

Kuthekani ukuba yonke imali ayikho bachitha?

Xa ufuna-mngeni, usenokuba ucinga malunga nokusetyenziswa kwesi sixhobo. Ukuze wenze oku, thelekisa kwi FIU. Funda intsalela capital lokubeleka kunokuba ngumhloli. Le yindlela elula hayi bengachani yaye oku akuyi kuba inkohliso. Le specialist uya kukuxelela apho ukuthumela imali ekhoyo. Isibakala sokuba le program ilungiselelwe ngendlela yokuba idilesi usapho neengxaki zehlabathi. Ngokuqhelekileyo, akukho nto ingako kwi-akhawunti. Ezi mali zingadityaniswa yomhlalaphantsi sikanina. Ukuze wenze oku, bhala amazwi, indlela apho uya kukunika ukwamkelwa ngumhloli. Minkarhi yin'wana u nga kwakhona ukuchitha imali ukufunda. Ukuze wenze oku, kufuneka wenze ikopi isivumelwano kunye kwiziko ngokunikezela ngeenkonzo. podkoly lakhe isicelo abuyele specialist. Ngokuqhelekileyo abantu bayabuza, xa ungakwazi ukusebenzisa imali. Iingcali bacebisa ukuba ukulibazisa isigqibo. Xa elikwisatifikethi liya kuba phezu ngesandla, cinga ngendlela ukuyisebenzisa ngayo. Akukho khetho apha. Kodwa musa ukulibala ukuba imali okanye iintsalela zaso indexed qho ngonyaka, oko buyanda. Umzekelo, imali ngosana ukuze ukusebenza kwenkqubo phantse kabini. Abazali bakhe bafumana isatifikethi 250 lamawaka. engange (2007) yaye ngo-2016 kule kwenani ku 453 026 thous. engange.

Yintoni enokwenziwa kuyo nayiphi na imeko,

Kubalulekile ukuqonda ukuba iintlawulo ezinkulu lokubeleka RPF ezenziweyo, kwakhona ahlole ngenyameko. Ukuba kufumaniseke ukuba imali mali zichithwa ezinye iinjongo, uya ijongene nengxaki enkulu. Ingaba imigulukudu ezifundisa oomama esiyimfeketho nootata eyinkunzi imali. Ayikwazi ivumelane nayo nayiphi na imeko. Le yinkohliso! Ukuchonga ukunyhashwa arhente zokunyanzeliswa komthetho obandakanyekayo. Yaye ukuba undikhohlisile nabo, ubuqhetseba - ityala lolwaphulo-mthetho, ngoko ke kufuneka siphile hayi kuphela imbuyekezo yemali umzali. RPF, ngokuba inxalenye yayo, ngokusondeleyo ikwajongene nokusetyenziswa ekujoliswe imali, kodwa ke kukho iimeko xa umhloli wawayeka ngabomi, kakuhle, okanye egoso kwaba trickier. enforcers uMthetho uya kubenza ngendawo bonke nabondli abazali kunye ingqalelo abasayi kudlula. Kholwani ndim, urhulumente ukhusela imali yabo. Bakuba zenzelwe umntwana, kwaye ke kufuneka isetyenziswe.

PostScript

Ngo-2014, i-Russian Federation lukhule abadlali ababini. Iintsapho ezihlala eCrimea, naye, bexhamla kule nkqubo. Kwaye, njengabo bonke abemi Russian Federation, aba bantu angenza isicelo kwi Pension Fund ngokubanzi, oko kukuthi, ukufumana imali abantwana abazelwe emva ngoJanuwari 1, 2007.