Ndazi njani abanye eyinkunzi maternity ngokudlula kwi Internet - inyathelo by inkcazelo step

capital zokukhulelwa - yinto ngexesha uncedo loluntu kwiintsapho abaselula kunye nabantwana abancinane. It unelungelo lokulindela abazali, njengenxalenye intsapho banabantwana ababini okanye ngaphezulu. Lenza ilungelo lokufumana uncedo eso ilungiswe isiqinisekiso ethile. Yinto eyaziwayo ukuba le ncwadana abazali bangasebenzisa ngokwengqiqo yabo ukuze kuxhamle abantwana babo. Nangona kunjalo, le nkqubo umhla saso lakhe. Ngokutsho data zokuqala, oko kusebenza de kube sekupheleni kukaDisemba 2016. Ngoko ke, abazali abaninzi namhlanje banomdla umbuzo ka yokufumana njani ezinye eyinkunzi maternity ngokudlula kwi Internet. Yaye ngaba kusengqiqweni ukuba siwenze kude?

Indlela yokufumana ulwazi malunga matkapitala esikalini: wokubala online

Masithi wena nosapho lwakho baba abanini abonwabileyo isiqinisekiso nosapho. Omnye wabantwana bakho sele iminyaka emithathu ubudala, yaye inxalenye imali evela imali eyabelwe ngurhulumente, sele echithe. Okulandelayo unayo nayiphi na izicwangciso ukusebenzisa intsalela mali, kodwa andazi imali ngqo kwi-akhawunti.

Indlela ukufumana intsalela capital umzali kwityala enjalo? Le ndlela ilula - ukusebenzisa le nkonzo, nalapho ezi zibalo babe wokubala online. Ngokuqhelekileyo, ezi iikhalityhuleyitha menu ilula kakhulu. Kuye amanqaku 5-6, ayiqabe kule minyaka. Ukuze enze izibalo ezifunekayo kumhlathi osekunene ukubonisa isixa ngqo imali uthe wachitha ngonyaka othile. Ngokomzekelo, ngowe-2013, sele achithe isimbuku engange 20 000.

Okulandelayo, faka imali kwi window kunye kunyaka 2013 kwaye nqakraza kwi ezingcwele iqhosha "Bala". Olubalo lwenziwa ngokuthi kuthathelwe ingqalelo imali echazwe kuloo nyaka. Khumbula ukuba lo mzuzu kwaba 408 960 engange. Emva inkonzo ekuhloleni uya Isixa-2014 - 429.409 engange, yaye indexed intsalela ka 2015 - 453 026 engange. Kwaye ke kukho umbuzo elifanelekileyo: "Kungenxa yasiphi na isizathu eseleyo wakho isithunzi, kodwa yanyuka?".

Kutheni na isixa data inyuswe?

Musa ukucinga ukuba ukwazi indlela yonke eyinkunzi umzali? Ukubala afunyenwe ngokwandisa inani ezisalayo? Esona sizathu siphambili le anomaly yeyona matkapitala indexation mali. Oko kukuthi, umthetho ubonelela indexation yonyaka imali de-2017. Ngokukodwa, sithetha ngabo iintsapho ekuhambeni kwexesha kwexesha okwangoku ixesha ukusebenzisa yonke imali eyinkunzi intsapho, waza wachitha kuphela inxalenye encinane kuyo.

Kwiimeko ezinjalo, wonke unyaka ikomkhulu balance mali iya indexed yaye, ke ngoko, ukwandisa.

Ndazi njani abanye eyinkunzi ngosana nge-Internet: kwisiza zeenkonzo zikarhulumente

Le ndlela yesibini ukufumana ulwazi elinganisa matkapitala ivulwayo website kwiinkonzo zikarhulumente. Ukuze ufake isicelo solwazi malunga imali eseleyo kwi-akhawunti yakho, kufuneka kuqala kukufumana ulwazi lwabo kule nkqubo, kwaye uze wenze oku kulandelayo:

• yiya kwi website zeenkonzo zoluntu;
• ukhethe "iinkonzo Public";
• ezantsi kuluhlu nqakraza kwi tab "zonke iinkonzo (amasebe);
• khetha i tab "Ministry of Labour kunye woKhuseleko loLuntu i-Russian Federation";
• khetha i tab "Pension Fund";
• nqakraza kwikhonkco "Ukwazisa abemi malunga nokunika uncedo loluntu karhulumente ngohlobo kweenkonzo zentlalo";
• klikha kwiqhosha "Fumana inkonzo."

Emva koko luzakulawulwa kwakhona iphepha kunye nefom yesicelo okhethekileyo. Kufuneka ufake inkcukacha zakho zoqhagamshelwano, lo mba zezifundo kunye neendlela zokulungiselela impendulo kwisicelo (ngefowuni, ngeposi, nge-imeyili). Kulo mzekelo, impendulo ukuze ubuze ukufumana phandle i imali eseleyo kwi-capital kubeleka nge-Internet, kuya kuba kwiintsuku 15-30 emva konyango.

Indlela yokufumana ulwazi malunga imeyile balance matkapitala?

Ukongeza kwi-intanethi ukufumana ulwazi malunga imali eseleyo kwi-akhawunti yakho, ungakwazi ukuthumela. Iqhuba lo msebenzi uRhulumente Pension Fund. Ngapha koko, inkqubo ye nokusasazwa kolwazi kwenzeka ungadlulanga umhla wokuqala Septemba kunyaka ngamnye. Kule leta isixa intsalela uthunyelwa elibekiweyo kwisicelo kunikezelo eyinkunzi umzali okanye idilesi ye-ndawo kobhaliso.

Ngubani na ukufumana ulwazi malunga kwimali ezintsalela? Fumana iinkcukacha malunga iseleyo ngabemi matkapitala uyakuba nelungelo kulandelayo:

• awukabi isilima ubuncinane yinxalenye uncedo karhulumente;
• vele ukusebenzisa inxalenye mali zenziwa ukuba irejista federal abantu;
• apho isixa matkapitala ibhalansi engange ngaphezu kwama-30.

Indlela yokufumana ulwazi malunga nemali eyinkunzi kwi Pension Fund?

Ukuba ufuna ukwazi intsalela eyinkunzi umzali phambi elimisiweyo esekwe ngurhulumente, kusenokwenzeka kusoloko ukuwusa umcimbi ukuya SPC ekuhlaleni. Kuba isicelo esinjalo kufuneka eze buqu kubume karhulumente kunye ipasipoti kwesiqinisekiso original kwaye babhale ingxelo kubonelelo ulwazi imali eseleyo. Okanye isicelo ekhankanywe apha ngasentla kunye nesatifiketi kunye iikopi zawo onke amaphepha ebonakalayo yokundwendwela uthunyelwe nge-imeyile.

Impendulo isicelo sakho, unako ukufumana uncedo-ngxelo, efumaneka ngeentsuku ezintathu nencwadana leyo yokundwendwela.

Ngaba kunokwenzeka ukungena kwisayithi ye Pension Fund kunye ukufumana ulwazi malunga ezinye?

Nangona isixa esikhulu solwazi luncedo, abazali abaninzi musa ungalahli ithemba ukubona yonke eyinkunzi maternity ngokudlula kwi Internet. Ngaba yenziwe? Ungene kwi Pension kwaye ufumane ulwazi malunga eseleyo matkapitala engenakwenzeka. Oku kungenxa yokuba umthetho phezu ukugcinwa kweenkcukacha zobuqu abasebenzisi '.

Ngaba iqabane okanye omnye umntu ukusuka usapho ukuthatha imali eseleyo mazwi?

Reference ngenxa matkapitala Akanakwamkela umzali omnye kuphela, obekhe wabhala isicelo kunikezelo olo xwebhu. Fumana uncedo, nabo bangakwazi kuphela nencwadana leyo yokundwendwela. Iqabane okanye nasiphi na isalamane sakhe loo mntu uya kuba nako ukufumana uncedo xa kuphela amandla kubameli njengegqwetha. Kungenjalo, ulwazi imali eseleyo kwi-akhawunti unganikezelwanga.

Ngaba kunokwenzeka ukuba ukufumana ulwazi kwimali ezintsalela kwesinye isixeko?

Oomama abaninzi abanomdla umbuzo ukubukela indlela yonke capital umzali kwesinye isixeko. Umzekelo, ukuba isiqinisekiso sele esikhutshwe eMoscow, yaye uhlala eyeyomzuzwana in Volgograd. Kulo mzekelo, unako ukufumana olo lwazi. Kodwa ke, ngaphambi koko, iyavakala isicelo kwiSebe Pension Fund, indawo yokuhlala ukuba ubhale ingxelo malunga nesicelo yeshishini lakho kwi-ofisi ye Fund, apho uxwebhu wadala ngaphambili kunye nesatifiketi-nokukhutshwa. Okulandelayo Pension Fund liya kuthumela isicelo kwenye umzimba FIU.

Kwaoko niya kufumana izenzo zakho evela eMoscow, unako ukubhala isicelo sesiqinisekiso semali. Ngokutsho ulwazi lokuqala, ukutshintshwa ngekhompyutha ishishini lakho liya kuthatha malunga 1-2 iiveki.

Enoba umhla wokuphelelwa isiqinisekiso isixa wacela balance matkapitala?

Ngaphandle kokuba umbuzo ukujonga njani intsalela eyinkunzi kubeleka, abazali abaninzi banomdla isibakala ukuba ireferensi ezikhabhathini olo lwazi.

Ngokusekelwe kule migaqo, umhla wokuphelelwa ebhekisele olucelwe ngabazali-mali kwi-akhawunti, akukho. Ubukhulu becala, efanelekileyo kuphela ngexesha lonyango. Masithi, emva kokufumana abanini eyinkunzi ndigqibe kwelokuba ndobudlulisa ngakumbi imali. Ngenxa yoko, imali echazwe kwi siqinisekiso, akayi ne data lokwenene.

Ngaba I-odola isatifikethi, ingxelo qho engxamisekileyo?

Andiqinisekanga ukufumana njani intsalela eyinkunzi umzali nge-intanethi? Lonke ulwazi esinayo kwinqaku lethu. Ukongeza inkqubo isicelo kwi-akhawunti matkapitala abantu abaninzi abanomdla umbuzo malunga nokufumana impendulo ezikhawulezileyo isicelo esinjalo. Noko ke, ukuba ikukudandatheka wonke, kunikezelo izatifikethi kwenziwa iintsuku ngaphambi kwe-2-3 emva konyango. Ngaphambili, ukuze ufumane impendulo isicelo sakho ayinakwenzeka.

Ingaba kufuneka ukuya kabini Pension Fund?

Abantu abaninzi bakholelwa ukuba phambi kokuba isicelo isicelo ukusebenzisa imali usapho ukuba ngetyala (umzekelo, njengoko intlawulo yemali yokuqala) kufuneka ukuba beze kwi Pension Fund kabini: kuqala - ukubhala ingxelo malunga matkapitala ukulingana, yaye emva koko - ukuba isicelo ukuba kusetyenziswe imali njengoko intlawulo phantsi kwi-mboleko. Noko ke, oku akuyonyaniso.

Ngokutsho Pension Fund, ulwazi malunga imali eseleyo kwi-akhawunti yakho sele kwinkqubo mali kunye nenkqubo kwisiqinisekiso ngayo kumamkeli. Ngoko ke, xa usenza isigqibo ukuchitha imali evela matkapitala ngokuthanda mortgage, ungenza ukusombulula lo mba tyelelo nje omnye. Kulo mzekelo, bacele imali eseleyo ayikho imfuneko. Zonke iingongoma eziphambili malunga ukufunda indlela yonke eyinkunzi kubeleka nge-Internet zichazwe kweli nqaku.

Ngaba I isicelo balance ngaphandle kwesiqinisekiso?

Kukho iimeko apho kuyimfuneko ukuba isiqinisekiso ukulingana, nasezandleni labantu ababhalisiweyo kule nkqubo akanalo isatifikethi. Umzekelo, oku kunokwenzeka ukuba umntu obhalisiweyo sele uza kuthenga impahla usebenzisa okuvota. Kulo mzekelo, i itrasti uya kuba nelungelo ukuba isicelo solwazi kwi imali eseleyo kwi-akhawunti egameni lakho.

ngoku, ukuba uyazi angasifumani intsalela eyinkunzi umzali nge-intanethi okanye hayi.