Indlela yokusebenzisa capital ngosana? Capital yomama - nokuthathelwa

I 'capital sikanina "yenziwa ngo-2007. Ijolise ukuxhasa iintsapho Russian kunye nabantwana.

Le mali eyinkunzi lokubeleka eyabelwe-mali karhulumente. Okwangoku, abanye imimandla Russian baye kuqaliswa inkqubo yabo efanayo, ejonge ukuxhasa iintsapho kuphela ukusuka kwindawo ethile. Ubungakanani sentlawulo, umyalelo umiselwa ukufunyanwa nokusetyenziswa namagunya asekuhlaleni.

Urhulumente yabela capital kubeleka umntwana yesibini (okanye kamva) okanye adoption. Le yinkqubo ngexesha elinye. Ngamanye amazwi, intsapho nganye bangasebenzisa oku kanye kuphela. Kuye akukho rhafu kwaye yenzelwe kangangeminyaka eli-10. Imali lokuqala eyinkunzi umzali lowo 250 000 engange, kodwa iyahluka ukusuka komnye unyaka ukuya komnye ngenxa emali kwilizwe lethu, kwaye ngoku eliqeshiweyo likhulile ukuya kwi 429 408 engange.

Ngubani onelungelo lokufumana capital lokubeleka?

Kuqala ilungelo lokufumana isiqinisekiso lo mfazi kufuneka ibe ngummi Russian Federation, lowo wazala umntwana wesibini okanye eyamkelweyo emva 2007, ukuba ngaphambi koko, kodwa yena Tamare ufumene isiqinisekiso esinjalo. Ilungelo lokufumana uxwebhu yaye indoda le adopter ingane eyodwa okanye umzali single kwimeko ukufa osikwa yinimba ngumfazi wakhe.

umgcini osemthethweni umntwana xa kuthe ukulahleka yokugqibela lwabazali bobabini onokuthi ulufumane kwixesha elizayo ukusebenzisa isatifikethi. Ukongeza, unina noyise kufuneka ibe nobulungisa kwaye kufuneka singayi kususwa amalungelo abo lobuzali ngokunxulumene ebantwaneni. Akufunekanga benze naziphi na izenzo zolwaphulo-mthetho nxamnye nawo. Noko ke, lo mfazi obamkele njengabakho nomyeni wakhe evela umtshato wangaphambili, akukho amalungelo kule eyinkunzi.

Apho isicelo capital lokubeleka?

capital kubeleka umntwana wesibini ukungena kwiSebe i-Pension Fund endaweni yabo yokuhlala, nto leyo iya kunikwa isiqinisekiso ngokukhethekileyo kwezi mali, nto leyo zisetyenziswe kuphela emva kweminyaka emithathu ukususela kumhla wokuzalwa okanye komntwana. Ezi nketho kuphela nezivumelwano zokubambisa apho usapho wathenga okanye wakha ikhaya elitsha.

Ukuze ufumane isiqinisekiso, kufuneka ugcwalise isicelo nokunika kwi Pension Fund yempahla ye la maxwebhu alandelayo: yokundwendwela sikanina uqinisekisa wakhe ubumi Russian, isiqinisekiso somtshato, isiqinisekiso sokuzalwa okanye isiqinisekiso bonke abantwana ukuba amkele umntwana, zediploma kunye nesatifikethi abafazi. Emva kwexesha elithile kuya kuba lula ukufumana isiqinisekiso ezinkulu unina wakhe.

On into tirhisa isiqinisekiso capital lokubeleka?

Emva kokuzalwa okanye ukwamkelwa komntwana, lowo satifikethi sikhutshwa, abazali uqalise ukucinga ngendlela yokusebenzisa capital ngosana. Abanye uceba ukuthenga imoto entsha, enye - ukuya ukuphumla elwandle, kunye nabanye - ukwenza wokulungisa ozukileyo wendlu. Kwixesha elizayo siceba ukuba agunyazise ukusetyenziswa kwemali eyinkunzi ukuqala ishishini labo, unyango ibiza womntwana okanye unina, ukufunyanwa komhlaba okwakha indlu, kwakunye balungise imizi yabo, kodwa ukuza kuthi ga ngoku izicwangciso kuphela.

Ngoku isixa esipheleleyo kubonisiwe kwisiqinisekiso zingasetyenziswa kuphela kwezi nkalo zilandelayo: unako ukuthenga indlu yokusebenza lokubelekisa, ukwandisa umhlala-phantsi kwixesha elizayo (inxalenye yayo ezixhaswa ngemali ye) umama okanye isiqinisekiso komamkeli ukusebenzisa imali yemfundo yabantwana babo, okanye ukwakha izindlu zabo. Ungakhetha enye into, kodwa walhule ikomkhulu ibe imiyalelo eziliqela. Noko ke, indlela uthandwayo ukusetyenziswa nkqubo ukuphucula iimeko abaphila phantsi kwazo iintsapho abaselula.

capital maternity yezemfundo

In Russia, wonke umntu unelungelo lemfundo, kodwa eneneni kukho okungakumbi. inani elingonelanga iindawo mali kwiiyunivesithi kunye namziko kuyanyanzeleka ukuba ukubhenela uhlobo yabazali ihlawulwe leyo Kuluvuyo imali eninzi kakhulu. Kwaye asinguye wonke Ungafumana isixa esikhulu ukuhlawulela imfundo yabantwana babo. Urhulumente uthathe unonophelo ezi ntsapho.

capital kubeleka umntwana wesibini ungachitha kwezemfundo. Isicelo kwi Pension Fund malunga nokusetyenziswa kwemali okanye inxalenye yazo ukuhlawulela imfundo yomntwana wabo kwaye ludambe ngemali, kunye nenzala yakho iya kuba ngumfundi olungileyo. Unako kwakhona uhlawule unyana wakho okanye intombi abahlala kweehostele zamaziko emfundo.

capital kubeleka unina elizayo pension

umhlala-phantsi wabantu elizayo kuxhomekeke kwizinto ezininzi, amalungelo omkhulu jikelele, ubudala umhlala-phantsi, apho umhlala, kunye nemivuzo. Eyona nto ephambili ukufumana inkxaso-mali okulungileyo ebudaleni yinxalenye enkulu ye lithathe inkxaso elizayo. Kodwa maxa wambi umvuzo unikwe wayengekafiki ifumana isiphumo oyifunayo. Kulo mzekelo, lo mfazi angasebenzisa ikomkhulu lalo ukwandisa pension elizayo. capital kubeleka ukuya kwiminyaka-3 emva kokuzalwa komntwana wesibini okanye olandelayo, kunye nolwamkelo lomntwana, kule meko ukusetyenziswa akuvumelekanga.

capital kubeleka ukuthenga izindlu zabo

usapho nganye entsha baphupha ekhayeni labo, kodwa bambalwa kuphela kubo nga ukuthenga indlu okanye iiflethi.

Xa eSoviet Union, iintsapho abaselula emi efolisiweyo zezindlu kwaye ufumane ukusuka kurhulumente igumbi elitsha. Kakade ke, kwaye ngoku izigidi lezibini Russian beme emgceni. Yiloo nto kanye lo mba kade kakhulu. Kuphela abanye babo uyakwazi ukufumana indawo yokuhlala simahla, kwaye kwezinye iingingqi zelizwe lethu alinayo ulwakhiwo lwezakhiwo. Kwaye kwezinye iimeko, kodwa umntu izakuxhomekeka kwi amandla abo kunye neendlela ukuthenga indawo eyahlukileyo okanye ukwakha indlu. Yiloo nto kuphela kwi lomvuzo omnye akakho ukwakha indlu.

Kaloku, ukuba waqalisa nezivumelwano zokubambisa ukuze ufumane imali ukwakhiwa okanye ukuthenga izindlu ezithengiswayo eRashiya. amaxwebhu ezigcinwe, ufumene imali-mboleko kunye wathenga yokuhlala. Yinto elula. Kuhleli kuphela ukunika ityala yebhanki qho ngenyanga kunye nomdla lihlawuliwe. Kodwa mortgage, njengaye nawuphi na imali-mboleko, kakhulu 'penny intle "lonke usapho kunye imali avareji. Apha kuya kuba eyinkunzi ufunwayo koomama. Mortgage kulo mzekelo akayi kubonakala umthwalo yosapho entsha. capital Zokubeleka ingasetyenziswa ukuthenga kwindlu yabo okanye ikhaya, kwakunye nokwakhiwa kwezindlu ezintsha, okanye ukwandisa kwindawo ekhoyo.

Ukuba ahlawule imali-mboleko yendlu, ithathwa ukuba kuthengwe okanye ukwakhiwa ikhaya elitsha, musa ukuba ulinde de umntwana uneminyaka-3 ubudala. Uthatha nje kuyo nayiphi mboleko yebhanki mboleko kunye nesivumelwano semboleko beze kwisebe le-Pension Fund. Emva kokuhlola amaxwebhu kwi kuluhlu lwakho ngeendleko posited mali.

Kodwa ukuze kwakhiwe kusetyenziswe igumbi elongezelelweyo ekhayeni lakhe, kuya kufuneka ulinde bit. Xa umntwana wakho ajike iminyaka emithathu, kuya kufuneka ukuba isicelo kwi Pension Fund kunye ukufumana imali eziinkozo evela eyinkunzi umzali. uya kwandula ingxelo iinkcukacha ukuba yonke imali engange wachitha. Ngoko ungafumana yonke imali baze baqhubeke nokwakha, yaye emva kokugqitywa wayo uya kuba ingxelo oqhelekileyo eneenkcukacha kwi-mali esichithwe.

Ngaba sithengise ikomkhulu?

Lidla xa ukujonga iintengiso real estate wambamba iliso abo leyo yayibekwe ngedinga ukuthenga isiqinisekiso eyinkunzi kubeleka okanye imali uncedo. Abaninzi xa kukho umbuzo malunga nokuba kunokwenzeka ukuba ukuthengisa capital umzali. Ngokuqinisekileyo akunjalo. Ubuncinane oko echasene nomthetho; kwaye izinto ezinjalo, ezo zinxulumene ubuqhetseba, ubuso isigwebo entolongweni kunokuba ezinkulu, hayi nje kuphela abo ukuphumeza ezi ngokuphamba, kodwa umnini wephepha-mali.

Le imali karhulumente, uvumelekile ukuba isebenze kuphela abameli Pension Fund. Ziye ke kunyanzelekile ukuze bayitshekishe ngocoselelo onke amaxwebhu anikwe kubo, ukuze kufumana ize ithathele ingqalelo izicelo ezivela kubanini equity ukudlulisela imali kwimfundo yabantwana, umhlala-phantsi, kunye nokuthenga okanye ukwakhiwa kwezindlu. Basenokuba ukukhupha iziqinisekiso kuphela kubanini bazo, kwakunye iimali ezidluliselwayo isiqinisekiso yemali akhawunti umnini kunye akhawunti ngoku kwiinkampani zokwakha okanye abantu babucala enze ukwakha ikhaya.

capital kubeleka iyilelwe ukuphucula imeko yemali iintsapho Russian kwaye imeko yezibalo kweli lizwe kwaye ijolise ekukhuseleni abantwana evela kurhulumente. Kungenxa yoko le nto amanyathelo ezizodwa ziye zaphuhliswa ukuze athintele ubuqhophololo kunye nokubonelela ngenkxaso abantwana. Ngokomzekelo, ukuze ukuthenga indlu yokusebenza lokubelekisa, kuza kufuneka bathobele le migaqo ilandelayo: bathenga indlu kwi mandatory iya kuba ubunini ilungu ngalinye lentsapho, kubandakanywa bonke abantwana abancinane. Kuba intengiso indlu kuya kufuneka ukuba ufumane imvume olukhethekeliyo ukugada ukuba imvume ukunika abantwana babo lwezindlu entsha elingana.

Ngoko ke, kufuneka acinge ngaphambi kokuba uthenge okanye ukuthengisa capital kubeleka. Umthetho uchaza ngokucacileyo uxanduva isenzo esinjalo. Awukwazi zingabuthisi kuphela indawo imali kodwa inkululeko anqabileyo.

I-mboleko ne capital umzali

Imali evela kwikomkhulu ezisetyenziselwa lokuhlawula imali-mboleko, nto leyo ijoliswe ukuthenga indawo yokuhlala okanye ukwakha indlu. Kodwa ke ukuza kuthi ga ngoku, i-mboleko phantsi capital ngosana kwenzeka kuphela xa ikhutshwa kwiziko efanelekileyo ngetyala zezigulane entsebenziswano ngetyala okanye iinkampani microfinance kwaye ijoliswe ukuthengwa okanye ukwakhiwa emakhayeni abo. Kulo mzekelo, i-mboleko kufuneka ibe kwifomu non-mali, ukuba idluliselwe kwi-akhawunti ngumnini kwesi satifikethi.

Nokuthathelwa phantsi capital ngosana

Ukuba wena nosapho lwakho ndigqibe kwelokuba ndobudlulisa zabo capital maternity ukuphucula iimeko zabo zokuphila, ngoxa sokubambisa - isicombululo ogqibeleleyo. Okukhona ukuba uyakwazi ukukhetha enye ezintathu, evumela ukusetyenziswa siqinisekiso:

1. Imvume ukubuyisela inzala kunye netyala mboleko inqununu ezibe zisuswe phambi kokuzalwa komntwana wakhe, waza wathumela ukuba athenge indlu okanye ukwakha indlu.

2. Kungenzeka ukuba amalungiselelo mortgage emva kokufumana isiqinisekiso yomzali nokuyalela ezi mali eluhlobo intlawulo yokuqala kwi-mboleko.

3. Unako ukwandisa imali-mboleko kwi-mortgage ngokuncama ezi mali ukuthenga izindlu ezibiza kakhulu, ukuba anithanga ukuvumela ukwenza iingeniso.

Ngaphambi kokuba usebenzise imali eyinkunzi lokubeleka ukuya mortgage, kuyimfuneko ukuba ukukhumbula oku kulandelayo. Eyona nkalo iphambili lokusetyenziswa ezinjalo ukuba asizizo zonke ibhanki Russian ukwamkela iziqinisekiso of capital maternity ukuhlawula inqununu kunye inzala kwimali-mboleko. Yiyo loo nto yenze kube nzima ukuba usebenzise ezi mali njengoko intlawulo phantsi mboleko.

Akukho msebenzi ubaluleke kangako kukukwazi ukusebenzisa isiqinisekiso capital kubeleka ukwenzela ukuthenga nayiphi na ipropati, ukuba sele yakhiwe ingaba, phantsi ulwakhiwo, okanye kuphela kule projekthi. Kodwa kufuneka babulawe ngemvumelwano yokuthengisa kuwe. Kulo mzekelo, khetha uhlobo kwempahla efunekayo kuphela ibhanki wena wenza naye isivumelwano sokubambisa. Eneneni, eminye imibutho isebenze kuphela izakhiwo ezitsha, ngoxa abanye, phezu koko, ukusetyenziswa imarike yezindlu yesibini.

Enye into ke akunakho ukuyibuyisa mortgage yakho ngokupheleleyo nje isatifikethi ifunyanwa. Ukuhlawula isavenge sokuqala, kuya kuba yimfuneko ukuba alinde de ubudala umntwana efikelela kwiminyaka emi-3 ubudala. Olona phawu wokugqibela ngumnini ikhaya bazibandakanye onke amalungu entsapho.

Yintoni iibhanki ukusebenza kunye capital umzali?

Phantse zonke iibhanki wayewise lizwe mboleko lethu mortgage eluntwini, loo nto nje wonke umntu athathe ikomkhulu koomama.

1. "Sberbank of Russia". Ulungiselela mboleko kuphela xa sele wakha indlu ngomlinganiselo we-14% ngonyaka kwisithuba seminyaka engama-30. Indlu okanye indlu, uthenge le mali kufuneka ngqo eyenziweyo impahla onke amalungu entsapho.
2. "Rosselkhozbank". Yena unika a mortgage ngaphandle kwentlawulo phantsi , ngaphandle kokuba ukusetyenziswa imali eyinkunzi umzali iminyaka ukuya ku-25. kwenzala kwi mboleko ixhomekeke lwemali nexesha. Ukongeza, kuyenzeka ukuba ukuhlawula imali-mboleko phambi kwexesha ngaphandle naziphi na iimali, izohlwayo kunye nezithintelo.
3. "VTB 24". Oku kuya kuvumela ibhanki ukuba athathe imali kwiminyaka ukuya ku-50 kunye ngereyithi eyi-11% kwaye uthabathe eyinkunzi kubeleka njenge intlawulo phantsi.
4. "Bank of eMoscow" iya kuvumela ukuba uhlawule ityala kunye nenzala kwi-mboleko usebenzisa equity yakho.
5. Bank "UniCredit" lifumana imali ukususela isiqinisekiso ukuhlawula imali-mboleko. Rate - 12-13%.
6. "DeltaCredit" ebhankini. Uya kubahlabela mboleko sokubambisa usebenzisa ubulungisa bakho ubuncinane ireyithi wenzala - 5% ngonyaka ngamnye. Uza kukwazi ukuhlawula umrhumo okokuqala okanye intlawulo yokuqala mboleko sokubambisa, esebenzisa eyinkunzi ngosana.
7. "Rosbank" ikuvumela ukuba ukuhlawula imali-mboleko kunye ngesantya 12.5% of capital umzali.
8. I-Arhente Mortgage nokuboleka. Oku kuya kuvumela ukuthatha ngetyala kakuhle, kwaye ngexesha elinye ukusebenzisa ezi mali ukuhlawula ityala kunye nentlawulo phantsi. Kulo mzekelo, ukuba usebenzisa inzala ezahlukeneyo ukwenzela ukuthenga zokuhlala kwizakhiwo ezitsha kunye nezindlu, zithengwa kwi kwimarike eziziisekondari. Kwimeko yokuqala, izinga mboleko iza kuba-8%, elinesibini - 9%.
9. Bank "Ukuvulwa". mboleko Mortgage kwintlawulo yetyala nenzala yayo evela mali ezinikwa eyinkunzi umzali. Izinga ixhomekeke idipozithi lokuqala kunye nomhla nakumndilili yi-12%.
10. "Raiffeisen Bank" inika ngereyithi eyi-11.5%. - ukususela kwiminyaka kunyaka-1 ukuya 25, yaye mortgage lunikezelwa izindlu esele zenziwe, kunye sisephantsi kolwakhiwo.

Ndimele ndenze ntoni na isiqinisekiso, ukuba mortgage ihlanganiswe umyeni wakhe?

Nayiphi na imali-mboleko yebhanki imvume ngolawulo segolide - okukhona ingeniso, kokukhona uyakwazi ukufumana imali. Yiloo nto kuphela uninzi iintsapho Russian zezona wakela uyindoda. Kwaba umvuzo wakhe ithathwa ebhudla imali yentsapho. Kwezinye iintsapho, umfazi engaphangeliyo, yaye akanayo nayiphi na ingeniso. Kulo mzekelo, zonke iimali-mboleko zikhutshwa umntu, ingakumbi mortgages. Yilaa ukuba usebenzise indlela capital ngosana kule meko? Le kwisithintelo esikhulu kwisicelo eyiyo isiqinisekiso of capital umzali ukuphucula iimeko zabo zokuphila ngoncedo lwe-mboleko.

Ngoku, ezi bugs ayinakutshintshwa, kwaye Pension Fund akayi ucele uxwebhu eqinisekisa ubunini izindlu onke amalungu entsapho. Ukuza kuthi ga ngoku, kukho umfazi unalo ilungelo lokusebenzisa imali inikwe ikomkhulu ukuyibuyisa le mali-mboleko kwi-mortgage, ekhutshwe unkosikazi wakhe. Imeko ephambili ukuba ukusetyenziswa Isiqinisekiso ukuba umtshato osemthethweni, oko kukuthi, i-Pension Fund qho mandatory kuya kufuneka banike ubungqina lokuvalelwa kwakhe.

amaxwebhu afunekayo

Kwakhona iye yaba lula ukusebenzisa imali eyinkunzi ngenxa mboleko, okt lokuhlawula kwezinye mboleko mortgage, eyayikhutshelwe kwi ngokwemimiselo kakuhle ngakumbi. Nangona kunjalo, ukusetyenziswa kwale mali kukuba kunokwenzeka kuphela xa mboleko sikhutshwe ukuba afumane isatifikethi kwikomkhulu.

yebhanki nganye inikeza awayo yamaxwebhu afunekayo ukuze ufumane imali-mboleko (sokubambisa) kunye nokusetyenziswa kwemali eyinkunzi, kodwa ezona ziphambili ukuba ezi zilandelayo:

1. Certificate of capital kanyoko wakho - original kwaye ikopi.
2. umfazi passport kunye nomyeni wakhe.
3. Ikopi yesivumelwano kunye ebhankini kwi-mboleko yemali.
4. Isiqinisekiso sobhaliso kwempahla ngenxa indlu yakho okanye indlu, uthenge phezu mboleko - yaye ikopi yokuqala.
5. Isatifiketi somtshato. Kuyimfuneko, njengoko kutshiwo apha ngasentla, ukuba ngaba uceba tirhisa capital ngosana, mortgage lo gama kungathi isiqinisekiso indoda yomamkeli.
6. Isiqinisekiso ukusuka elunxwemeni malunga lonke inani onalo mortgage yakho.

I 'capital sikanina "isebenza kude kube sekupheleni kuka-2016, kodwa oko kwandiswa, kodwa ke loo nto iya kutshintsha. Kucetywa ukuba ukwandisa amathuba yokusebenzisa ezi zixhobo, kodwa ngaxeshanye ukubonelela ngoncedo lwemali ukuya iintsapho abasweleyo kakhulu. Kwakhona, ezi mali anokusetyenziswa emva kokubeleka okanye yamkelwe.

Njengoko ubona, akukho nto nzima ekufumaneni capital lokubeleka apho. Ukongeza, sinexhala lokuba oko kuya kukunika; akalandeli. Kuhleli kuphela ndaqonda ukuba kungcono iphumele iindlela zomthetho lokufumana imali. Kungenjalo, akukho imiphumo mnandi kakhulu kuwe. Siyathemba ukuba eli nqaku kuye kwanceda ukusombulula ingxaki yokusebenzisa indlela capital ngosana ngobulumko kwaye ukuze kungenelwe intsapho yakhe.