Capital kubeleka kuba imoto: bill

Ngowe-2007 sayilwa kwaye samkelwa umthetho federal "On capital maternity", yaye ngo-2016 waqhutywa kude 2018 Umthetho ubonelela nokuhlawulwa koncedo lwezimali kwiintsapho ndizale okanye yamkelwe abantwana lwesibini, lwesithathu ezilandelayo. Ukuthengwa lwezindlu, ngokutsho Pension Fund, achitha malunga ne-94% kuzo zonke izimali.

Buyela ngo-2015 kwi-phulo zamasekela ucinga ukuthenga imoto kwi-mali eyinkunzi lokubeleka ekhutshwe nguDmitry Medvedev. capital maternity ukuze imoto? Noko ke, abo achasene sigqibo, ibingawo asisininzi, ngoko ayizange ezavumayo ukwenza lo mthetho uyilwayo.

Kwiminyaka emibini kamva, Matshi 17, 2017, i-Duma State wavelisa umthetho omtsha ovumela ukusetyenziswa capital kubeleka ukwenzela ukuthenga izithuthi zothutho ezindleleni.

Ungasebenzisa capital ngosana ukuze imoto?

Phantsi yempembelelo umthetho kuwela iintsapho ezinkulu, abagcini babantwana, abantwana obagcinileyo kunye neentsapho kunye nabantwana abakhubazekileyo abanabantwana ababini okanye ngaphezulu (kwezinye kwimimandla eyinkunzi umzali anikwe iintsapho kokuzalwa komntwana wabo wokuqala, kwabanye - kunye wemvula wesithathu). Amagosa karhulumente aye Kucetyiswa ukuba basebenzise capital ngosana intlawulo ye-mboleko yokuthenga imoto. Kodwa ityala usika emva ithuba ukwenza ezinye izenzo zomthetho ngezithuthi: imoto umkhweli eniza kuyithengisa kuphela emva kokuphela kweminyaka emithathu ukususela ngomhla ekuthengwe ngawo.

Yintoni ke umthetho omtsha?

Utshintsho ezenziwe oyilwayo eya kunika inkxaso kubemi abangakwaziyo ukuqonda ngqo apho kubhetele ukuba sichithe imali ezikhutshiweyo. Malunga ne-47% ye ootata noomama khange isicelo uncedo.

Umwana lo mthetho uza kukwazi ukunyusa kwimarike isithuthi kwaye kuya kunceda iintsapho kwenza isigqibo esifanelekileyo. Iintsapho kunye nabantwana baya kukwazi ukuthenga izithuthi kunye nemoto nabathengisi - abathengi.

Ezinye iinguqu sele olucetywayo, umzekelo, ahlawule izabelo yesibonelelo, ukunika iintsapho ithuba lokuba athenge ilizwe, kodwa isithembiso sakhatywa.

Iimfuneko ngokuthenga imoto

Ukuba kokuqwalaselwa oyilwayo iya kuqala ukusebenza, uya kumisela iimfuno ezisisiseko ukufunyanwa emotweni:

• kufuneka ibe ezintsha;
• umzimba kufuneka ibe ngaphezu abakhweli ezisibhozo;
• isithuthi kufuneka uqhutywe kwi kwintsimi Russian Federation;
• ilungu ngalinye lentsapho ufumana isabelo;
• nabazali banyanzelekile ukuba akhuphe amalungelo isabelo ngokwabo kunye nomntwana ngamnye;
• intengiso yesithuthi eso kuphela iminyaka-3 emva kokuba uthenge.

Lwentaba- lokuphathana abazali ezisebenzisa capital lokubeleka ukuya imoto ekhaya kunokuba, ngoxa abantu abaninzi bafuna ukuba athenge imoto amazwe, nto leyo ayinikeli umthetho. Iimfuno uya kubulawa kuphela ukuba imali iza kusetyenziswa kumagumbi nongxowankulu umzali.

capital kubeleka kuba imoto; kuba kanye

Ukuze ubone ukuba bachithe imali ngosana ukuze kuthengwe isithuthi, kufuneka ukuba ukhe uhlolisise obu "kwizazi" kunye "bawo."

Izizathu "ukuba" i sigqibo:

1. Iintsapho banabantwana abaninzi, kulula kakhulu ukuba ahambe imoto yakho, ngaphezu lothutho kamasipala.
2. Uyakwazi ukulawula ngqo ukuhamba umntwana kwiziko lemfundo.
3. Ukuba intsapho umntwana onesiphene, ngoko ke umatshini luya kuba yinto ebekwa phambili.
4. Car - uncedo iintsapho abantwana abafunda kwizikolo, kwiiklabhu, njalo-njalo, apho ibekwe umgama akasekude endlwini ...
5. Imoto zingasetyenziswa kuphela xa ezithutha abantwana. Kuyenzeka ukuba imali.
6. Inkcitho kwiintengo ezinkulu lomzali yokuthenga yeemoto ukukhuthaza ushishino imoto kweli lizwe.

Izizathu "nxamnye":

1. Ekugqibeleni imoto ulahlekelwa ngexabiso, yaye iintsimbi ngalo imali eninzi.
2. Izithuthi ethengiswe izilangazelelo yabazali. Yena yenziwe komnye wabo, yaye ndiya kuhlala naye nabani ekuqhawulweni komtshato, hayi umntwana.
3. Ukuba uchitha imali yokuthenga imoto, umfazi ixesha elide phezu ikhefu lokuya kubeleka, akayi kuba nako ukusombulula le ngxaki kunye nokusekwa pension elizayo.
4. Izithuthi eniza kuyithengisa kuphela emva kokuba isibini kweminyaka. Enoba kwenzeka ntoni, kuthi ndlela-ntle phambi akuyi kusebenza naye. Nangona amandla egqwetha awuthunyelwanga irhoxisiwe.
5. capital Zokubeleka isetyenziswe kuphela imoto zasekhaya.

amava kwimimandla

Ukuze siqonde indlela ahamba kwimimandla matkapitalom izinto zinikeze umzekelo ezinye zazo:

1. Orel ukunika uncedo eziphathekayo kwiintsapho emva kokuzalwa komntwana wakhe wesibini.
2. Ekubeni matkapitalom kwiingingqi eKaliningrad kunye Ulyanovsk kangangoko kunokwenzeka emva kokuzalwa komntwana wakhe wesithathu.
3. Kwingingqi naseNovosibirsk kwaye emva kokuzalwa usapho komntwana wakhe yesithathu ufumana uncedo.
4. In ena matkapitalom Ungasebenzisa kwi yokuqala yokuzalwa.

Iya kuba kukuba ingaba kwinqanaba federal, i bill?

ngazwi kodwa. Amanye amalungu bakholelwa ukuba Ulwamkelo oyilwayo kuya kunceda iintsapho kunye noqoqosho lwelizwe, ngoxa abanye uqinisekile ukuba akuyi kwenza nabani na elungileyo. capital maternity for imoto kodwa ukuba asebenzise, kodwa ucinga ngayo. Abo nxamnye ukusayinwa umthetho bubonisa ukuba kubhetele ukuthumela capital umzali kwicala elilungileyo ngakumbi, umzekelo ukuthenga izindlu, kuba imoto kunyaka ngamnye uya kuphulukana ixabiso labo, kunye nezindlu, phezu koko, ukuze zikhule. Ukuthenga imoto akakwazi kakhulu kuchaphazela ukukhula kwiintengiso yeemoto ezintsha.

Ezinye ePalamente aqinisekile ukuba kufuneka umthetho ukuba ungasebenzisa capital kubeleka ukuba imoto (ibhili), njengoko kunye imoto abathile neblagochinnye uya kukwazi ukwenza imali eyinkunzi kubeleka lubhaliso amandla igqwetha amaqela esithathu kunye nokudluliselwa zothutho ukusetyenziswa kwabo ngenxa ethile isixa semali.

Abanye amagosa karhulumente bakholelwa ukuba umfuziselo iintsapho kunye nabantwana ngaphezu ababini nje nembuyekezo ebalulekileyo, ngokunjalo nezindlu. Kwaye ukuba ufuna ukuthenga imoto, ngoko kutheni nakanye nto? Abantu bakhululekile ukuba benze izigqibo ezizezabo, into ebaluleke ngakumbi kukuba: izindlu, ezothutho, umhlala-phantsi okanye imfundo yabantwana.

Abanye usapho enkulu baneembono. Imali yesikolo kunye ipension yokonga ziza kufuneka kamva, kunye nokuthuthwa zobuqu kufuneka namhlanje, t. To. Abantwana kufuneka ukuya amaziko emfundo yonke imihla.

Ekuphetheni

Ngaba kubakho kwenziwe isilungiso oyilwayo, ukuba phezulu ukuya masekela. Kufuneka uqwalasele amava imimandla, ukuze enze isigqibo esifanelekileyo. Kubalulekile kwakhona ukuba ukuhlalutya iingenelo neengozi yalo mthetho.