Capital kubeleka. Xa ungasebenzisa eyinkunzi umzali?

Ukususela kwintshayelelo ngenkxaso karhulumente kwiintsapho kunye nabantwana ababini okanye ngaphezulu imigaqo yalo ngokwemigaqo inani lotshintsho. Ngoko ke, abazali abaninzi uyazibuza ukuba ufumana imali eyinkunzi lokubelekisa xa ungasebenzisa le wesiqinisekiso kwakunye nokuba zingathunyelwa kuyo? Xa loo nkxaso karhulumente ulindele iintsapho kunye nabantwana ababini okanye ngaphezulu, umhla wokuzalwa yesibini kwaye okulandelayo kufuneka kube ngaphambi kwe-2007.

Yintoni umntu afumana isiqinisekiso ekhaya?

Ukuba ngaphambili kwiindlela eyinkunzi umzali (emva koku QMS) ingabhekiswa kuphela ukuphucula iimeko zokuphila, intlawulo imfundo yabantwana kwaye ukuyilwa inxalenye ezixhaswa ngeentlawulo zomhlalaphantsi nomama, ngoku ke kufuneka ithuba ukuhlawula imali, sokubambisa, ukuhlawula isavenge sokuqala kwi-mboleko / sokubambisa, ukuthumela imali ukuze uvuselelo ukuze abantwana abakhubazekileyo.

Umba HIV kwakhona ubukho zibakala, njengethuba yokulibazisa nokunikezelwa kwenkxaso karhulumente kunye nokukwazi ukusebenzisa izixa ubuso enikiweyo. Ngoko ke, imiqathango abo bamkela imali ngosana, xa kunokwenzeka ukulisebenzisa zahlukile. Kwaye luxhomekeke kwinjongo lokusetyenziswa kwayo.

Ngenxa yoko, imali eyabelwe ngurhulumente, ngesicelo abazali zingagcinwa kwi-akhawunti ukuya kwiminyaka ethile, umzekelo, phambi kokungena iziko, okanye ilungiswe ukuhlangabezana izindlu kunye nezinye neemfuno ezisemthethweni; enikwa emva kokuba umntwana efikelela kwiminyaka emithathu.

Xa kunokwenzeka ukuba ukusebenzisa i QMS?

Ngoko kusengqiqweni ukuba iintsapho abo banelungelo ngenkxaso karhulumente, babe nomdla, ungasebenzisa elide kangakanani eyinkunzi umzali. Xa umntwana efikelela kubudala abazali ezintathu banelungelo okulahla QMS. Ezantsi apha kukho uluhlu lwe iindlela intlawulo kufuneka yenziwe ngayo.

1. Intlawulo kweenkonzo zemfundo. Umthetho kuthetha ukusetyenziswa kwemali eyabelwe ngurhulumente, lokuhlawula ukuhlala epriskuli uqeqesho kumaziko kwizikolo eziziisekondari nobungcali (iikholeji) kunye nemfundo ephakamileyo (amaziko, iiyunivesithi, zezifundiswa). Kwakhona, inkxaso rhulumente kusetyenziselwa ukuhlawulela iindleko yokuhlala yomntwana isithuba ukufundelwa dorm.
2. Inxalenye omama imali yomhlalaphantsi kwakhona abunjwe ngeendleko indlela yesiqinisekiso. Kulo mzekelo, xa ukhetha olu khetho kunokwenzeka emva kwexesha utshintsho, kwaye isigqibo sokwabela iimali ezinye iinjongo.
3. Ukutshintsha iimeko zokuphila. Imali kwi isiqinisekiso eyinkunzi lokubeleka zingasetyenziswa ukuphucula indlu okanye indlu apho mkhaya uhlala. Kufuneka uthathe ingqalelo imeko eziziintloko inxulumene kwindawo real estate: kufuneka ibe ngaphandle kwilizwe lethu Iflede eniyisebenzisa okanye indlu.
4. Ngowe-2016, umba omtsha kuluhlu ekujoliswe - ahlawule imbuyekezo kweempahla kunye neenkonzo eziyimfuneko ukuze kulungiswe abantwana abakhubazekileyo.

Kubalulekile ukukhumbula ukuba ukusetyenziswa kwemali ingabhekiswa ngesisombululo ezininzi iingxaki: umzekelo, ukuze uhlawule ixabiso mboleko, leyo eyenzelwe ukuphucula iimeko zooyise, ukuyilwa inxalenye ezongezelekayo ye pension, ukuhlawulela imfundo.

Ukudluliselwa kwemali isoloko wenziwe ngeendleko mbutho, nenoxanduva lokubonelela iinkonzo ngasentla QMS. Kwakhona, abaninzi banomdla umbuzo: Ngaba kunokwenzeka ukuba ukusebenzisa capital umzali ukuba bakhupha? Hayi, ukufumana imali, loo cash akwenzeki. Yonke loo imisebenzi kuyathintelwa ngumthetho.

capital kubeleka xa ungakwazi basebenzisa yokuqala?

Kwezinye iimeko, ubonelela ngamathuba ukusetyenziswa yokuqala QMS. Ungasebenzisa capital umzali leminyaka ukuya ku-3 ngezi njongo zilandelayo:

• ukufunyanwa kunye nokwakhiwa kwezindlu ngeendleko-mboleko, ekhutshwe kunye logcino okanye iqumrhu elisemthethweni;
• intlawulo yetyala nenzala efumanekileyo yemali-mboleko ebikho, leyo wayephethwe ngenjongo yokuseka iimeko zokuphila usapho (indlu / indlu, ukuthenga yokwakha izindlu).

Akukho mba zingaphi ungasebenzisa eyinkunzi umzali, kubalulekile ukuqonda ukuba unako ukuhlawula kuphela iintlawulo esisiseko kwi-mboleko (inqununu kunye nenzala ethe). iintlawulo ezifike kade kunye nezohlwayo ehlawulwa esebenzisa usapho asinakuba isatifikethi.

Ngawaphi amaxwebhu afunekayo ukulungiselela ukusetyenziswa ekuqaleni kwisiqinisekiso?

Nge imibuzo apho ungayithumela eyinkunzi umzali, xa kunokwenzeka ukuyisebenzisa ekuqaleni, waqonda, kodwa indlela bayihombise ngokomthetho? ulwalathiso Early uthetha isatifiketi usapho ngenjongo ingentla yenziwa ngokucelwa ngumnini xa kungeniswa uluhlu lwamaxwebhu afunekayo:

• isatifiketi esiqinisekisa ukufunyanwa lwezindlu okanye wokwakha;
• iikopi ezininzi kwesivumelwano phakathi umboleki kunye iziko ngetyala;
• iikopi ezininzi kwesivumelwano phakathi umboleki kunye intlangano ibesemthethweni apho mortgage;
• sisicatshulwa evela kwiziko ngetyala kwi ityala eseleyo kwi-mboleko / mortgage (isixa yinqununu isixa umdla ethe-mboleko);
• uxwebhu eqinisekisa ubunini / ezakhiwe / iziko ukuyilungisa ezifunyenwe;
• ikopi yesazisi ngabazali bobabini;
• Iikopi kunye sokuqala zezatifikethi zokuzalwa bonke abantwana;
• iikopi yesiqinisekiso original kubonelelo ngenkxaso karhulumente.

Njani na ukusetyenziswa kwale nkqubo?

Emva Ukuzotywa ifomu yesicelo ekhethekileyo ukunika amaxwebhu-mali yomhlalaphantsi kufuneka alinde isigqibo (oko kunokuba kuzo ebezintle nezo zingentle). Ixesha lokuba ingqalelo le sicelo iintsuku ezingama-30. Ukuba sivunyiwe, kufuneka isicelo ibhanki okanye enye intlangano likhuphe-mboleko okanye apho sihlelwe lokukhupha-mboleko okanye sokubambisa, ukuxoxa ezongezelelweyo zezimali imibuzo. QMS uya mayibhekiswe izibophelelo intlawulo phantsi mboleko ngekhompyutha.

isiphelo

Njengoko isiphelo, ukuphendula umbuzo elide kangakanani ungasebenzisa eyinkunzi umzali, kufanele kuqatshelwe ukuba kuveliswe le fomu kwenkxaso yoluntu enokwenziwa emva kokuba umntwana efikelela kubudala beminyaka emithathu (kwezinye iimeko kubonelelwe ithuba zokufumana yokuqala QMS) ngokuyinxenye okanye ngokupheleleyo imali ngesicelo umnini isiqinisekiso.