"Ntle" - mali yomhlalaphantsi. Indlela eyolanda imali? reviews

Namhlanje ingqalelo yethu umbutho obizwa "ntle" (kwingxowa-mali) iza kuboniswa. Indlela ukuthatha imali ngaphandle? Yintoni kuba imiphumo? Yintoni abaxhasi bacinga ntoni kule nkampani? Ngaba uyakholwa na? Okanye kufuneka ufumanise ukuba imali yazo yomhlala phantsi kwezinye intlangano ethile? Zonke bokuqonda ngokunqunyanyiswa kwesivumelwano, ukugqithiselwa kwemali kunye neminye imiba ebalulekileyo kuya kufuneka ukufumana phandle, ezisekelwe phezu kwayo amaninzi malunga nkampani. Kuphela ngoku ngokukhawuleza eze kwisivumelwano ethile ngokubanzi Le nto ayiyi kuphumelela. Kutheni? Kunzima kakhulu ukwenza. Ingakumbi xa kuziwa nezemali. Umntu yanelisekile inkonzo, yaye ngubani, phezu koko, ungonwabi. Ukongeza, ezinye ujamelene ezahlukeneyo Kwiimeko semgangathweni. Kwaye nabo babe negalelo lazo feedback zabathengi. Ekubeni imali ithathe umhlala-phantsi? NPF "-ntle" inika ithuba ezinjalo, kodwa iimeko kunye neempawu ezithile. Malunga ukuba ufunde on. Ngendlela efanayo, kwakunye ekuphenduleni lo mbuzo: ngaba kunokwenzeka ukwenza le mali Trust Fund?

umsebenzi

Into yokuqala kufuneka sinikele ingqalelo - oku imisebenzi lo mbutho. Okuphoxayo kukuba, kubaluleke kakhulu ukuba abaninzi. Kumnandi njalo ukuqonda yeyiphi inkampani thina ukujamelana nawo. Kucacile ukuba intlangano yethu wangoku ezinxulumene kwezimali elithile okanye kwelinye. Kuphela ngoku isebenza kucingwa kubaluleke kakhulu kwi mzuzu.

Kutheni? NPF "Ikamva" ( "-ntle") - a non-karhulumente ingxowa-mali yomhlalaphantsi. I NPF "Ikamva", oko ngokutsha ngoJuni 2015. Yena uye lokuqokelela, ukulondoloza kunye nokwandisa imali yakho. Kodwa xa kufikwa inxalenye inkxaso ye pension. Oko inceda ukuqinisekisa iminyaka yakho endala. Akhonto ibitheni ngalo nto. Ngoko ke, lo ingxelo ngemisebenzi ombutho kuyakhuthaza kakhulu. Akukho nkohliso, yonke into elubala kwaye ziqondakale. Kodwa abanye uyazibuza ukuba ukurhoxisa njani imali evela NPF "ntle". Oku kuyimfuneko ukuba ukuqonda ngokupheleleyo. Kungenjalo, ukuze ekhohlo ngaphandle yindlela yokuziphilisa konke konke.

ubuhle

Ekuqaleni, Kakade ke, uya kuba ngandlela zonke ukuba asisuse Kwintlangano yethu ngoku. Nokuba sithi kufuneka ukuba ube neminyaka eli-18 ukuya ukuthatha unonophelo imali yomhlala phantsi. Esi sikimu usebenza nabantu abatsha kwi-100%. Ngaloo inkampani utsale abathengi abatsha. Kodwa akukho namnye othetha iinkcukacha transactions zezimali ukuze silindele kuqala.

Siphi isithembiso? Nantoni na, nje ukutsala ingqalelo. isivuno High, iimeko elula nethandwa, kungenzeka ngalo naliphi na ixesha lokuphelisa isivumelwano kunye nenkampani ngaphandle nayiphi imiphumo emibi. Ngokubanzi, njengokuba wabaqinisekisa baxhasi, uya kuba ngandlela zonke ukuba asisuse apha. Ukuba kuphela ukuba akazange acinge ngelo, njani na ukuba ayeke ukunxibelelana i "ntle" (kwingxowa-mali). Indlela ukuthatha imali ngaphandle? Nale ndaba uqalisa ukwakha emininzi kwexesha. Kwaye konke oku, nangona-mali izithembiso. Kutheni kunjalo? Nendlela ukuqhuba le nkqubo kakuhle?

ngokuzithandela

Ukuze uqonde oku ngokupheleleyo, kuyimfuneko ukuba siqwalasele indawo yolawulo nkampani leyo. ingxaki siyifumana yokuba isebenzisa yokonga kwisikimu somhlala umdla kakhulu, nto leyo yenza i umxhasi - kuba siyimali yakhe, imali yakhe yintliziyo. Oko kukuthi, enyanisweni, uya kuba umnini-akhawunti. Kunye nokulawula imali ungakwazi kuphela. A "Well-being" - yinto efana nomlamli phakathi kwakho nakuRhulumente. A uhlobo ngummeli wowona ulungileyo ye pension.

Nje kutheni abemi esiyicingayo kusiba nzima ukukhetha up imali kule ngxowa-mali yomhlala-phantsi. Into kukho izizathu. Nabo ukufunda kuyo. Ngokubanzi, ukuba utyalo-mali lombutho phezu inxalenye ngumthengi - ukuba imali yakhe, imali yakhe yintliziyo, ngoko babewachola ngalo naliphi na ixesha ngaphandle naziphi na iingxaki. Yakhiwa imeko eyahlukileyo ngokupheleleyo practice. Ziziphi iimpawu mela thina?

Ukuba wangena

Wena sele umxhasi lombutho yethu namhlanje? Ngokujoyina i non-karhulumente "ntle" pension fund kuya kufuneka ukulungiselela eziliqela iimpawu kunye nezinye bokuqonda ezifuna ukucaciswa. Ingakumbi ukuba ufuna ukuya kwenye ingxowa-mali yomhlala-phantsi okanye ukukhupha imali.

Eyona umdla - kukuba abathengi abaninzi abaqapheli ukuba siyinxalenye yentlangano. amatyala anjalo yonke imihla ngakumbi yaye kuxhaphake kakhulu. Eneneni, ufuna ukwenza iminikelo yomhlalaphantsi. Ukuba ufuna ukutshintsha lo mali yomhlalaphantsi, wowenza ezininzi iingxaki. Amaxesha amaninzi cwaka ngabo. Kodwa ukuba kube lula oko, akukho namnye unge ucele: "Ndifuna ukutsala imali evela NPF" ntle "njani.?" Kungakhathaliseki ukuba wafumanisa njani ukuba ilungu nawo lo mbutho. Ngoku kufuneka sizame ngobulungisa aphinde imali yabo.

ngemali

Abantu abaninzi bakholelwa ukuba ukusombulula lo mba akukho inkathazo. Simply angasiphelisa isivumelwano kunye mbutho. Kwelinye icala, oko kuyinyaniso. Kodwa ke ukupheliswa kwenkqubo kukho imithetho emininzi kangaka kunye imigibe. Ukungaphumeleli ukuthobela le okanye wenze kube nzima ukubuyela imali yakho.

Kuyaphawuleka ukuba rhoqo uya kuthi ukuba ungafumana inxalenye numbers ye pension ngemali. Abaninzi happy emva izithembiso ezinjalo. Enyanisweni oko nje bubuqhinga. Ngoko ukuqhelisa abaxhasi ukungazinaki kunye kom-. Khumbula ingongoma enye ebalulekileyo, ukuba isigqibo ukuvula i-akhawunti ye umhlala-phantsi. I non-karhulumente "ntle" uthetha-mali yomhlalaphantsi angabekwa, kodwa yimali eziinkozo, akuyi kubabona. Kunjalo, kude kube ngoko, side umhlala-phantsi. It is hhayi kubonelelwa ngalo mzuzu umthetho Russian Iintlawulo zomhlalaphantsi imali kwangaphambili, kunye nemali.

kwenye ingxowa-mali

Phuma ukusuka 'ntle' NPF kunokwenzeka ngokwabo. Ngaphezu koko, le nkqubo akudingi, njengoko kuqatshelwe ngabathengi, akukho iimpawu. Kodwa umba ochukumisa le mali, qala iingxaki.

Eyona nto kukuba ukufumana phandle, yinto eqhelekileyo ukusuka kwenye ingxowa-mali yepenshini uye kwenye. Kwaye akunamsebenzi nokuba yintoni na - yimeko okanye hayi. thile kuphela ke sithathe imali emfono ukusuka 'Well-being ". I onguwumbi kunikwa.

Ukuba ugqiba ukuba ukudlulisela, kufuneka anicacisele. Kwanele kwifomu simahla ukubhala ingxelo kukuyeka umbutho enye, kwakunye ukuqala umsebenzi phezu kwezinye. Kwaye ke, njengokuba umthetho, kunokwenzeka ukuba pick up inxalenye ezixhaswa ngemali ye pension yokuguqulelwa ngakumbi kwayo omnye okanye enye inkampani. Kodwa asingabo bonke elula oko NPF "Ikamva" (NPF "-ntle"). fund Pension - oko ngokubanzi ngumbutho ethandabuzekayo. Abemi abaninzi bayacetyiswa ukuba nikhwebuke kubo. Wakuba wenze isicelo ukuba lirhoxe kule nkampani kunye nokuzimanya omnye, linda nje ukuba impendulo. Uya kwaziswa ngembalelwano ithuba / ukungakwazi transfer wakho echaza izizathu.

wombuso

Unako kwakhona uye emva inkqubo eqhelekileyo imali yomhlala phantsi. Eso co-mali karhulumente. Hayi kakhulu rhoqo, kodwa kwenzeka oko. Ingaba ufuna ukukhupha imali ukusuka 'ntle' nesiguqulela ukuba kuRhulumente? Inkqubo ngokungqinelana ncomo, kakhulu, ayisayi kuthatha ixesha lakho.

Yintoni efunekayo? mazwi kwakhona. Kuphela apha kuya kufuneka ukuba ulwazi malunga ubhaliso lwakho. Oko kukuthi, ukuba ube lilungu kwisebe ethile ye Pension Fund ka-Russia. Okulandelayo, isicelo ngokutsha kangangexesha elithile. Yaye uya kuthunyelwa isaziso ukuphendula. Ukuba yonke into kakuhle, unako ukufaka imali kwi-akhawunti kwi "ntle" karhulumente. Ngaba lo mbutho ngokwayo, hayi uya kubona le misebenzi. Ngendlela efanayo imali.

Hi ndlela leyi, ukutshintsha imali yomhlalaphantsi kunokwenzeka kube kanye kuphela ngonyaka. Ngokujoyina i non-karhulumente 'ntle' ingxowa-mali yomhlalaphantsi, kuya kufuneka ulinde ixesha. Kulo nyaka kuye kwakho utshintsho? Ngoko akukho themba. Uya wokhanyelwa yokurhoxiswa isivumelwano, kwaye ukuguqulelwa inxalenye ezixhaswa ngemali ye pension. Kwaye ngokusemthethweni, akuyi kufuneka ukumangaliswa.

Ndingamboni imali

Ingaba unomdla lombutho "ntle" (kwingxowa-mali)? Indlela ukuthatha imali phantsi kweemeko ezithile? Konke kuxhomekeke kuhlobo umlandu ingqalelo. Kanye kunjalo, njengokuba kungekho namnye unako eziinkozo okanye bank transfer ukuba kulanda imali ukudlulisa. Yinto liyathintelwa ngumthetho. Unakho ukubhala ingxelo inxalenye ezixhaswa ngemali ye-transfer pension ukuya kwenye ingxowa-mali. Kuphela ngale ndlela zemali ukurhoxiswa.

Yintoni ephawulekayo, ukurhoxisa imali yabo yimali eziinkozo kunokwenzeka kumgaqo-siseko. Kuphela ukhetho enjalo rhoqo awungeni ndawo. Kutheni? Ngokuba uya kuba nako ukugqiba ityala kuphela emva umhlala-phantsi. Abadla umhlala anelungelo ukurhoxisa imali yabo ngesicelo ekungenisweni isiqinisekiso pension. Akusekho naliphi na ithuba ukubona ngenene kwaye ubambe ezandleni zabo iminikelo yokuzithandela kwi "ntle" pension fund.

ukulindela

An isimanga ebuhlungu nxaxheba-mali - ulindele iintlawulo. Zombini umhlala, yaye kwimeko transfer komnye umbutho. abathengi abaninzi bakhalaza ngokuba nje ekhohlisa. Kwaye silinde akhawunti imali ixesha elide kakhulu.

Ingaba ufuna ukunikezela i "Well-being 'iinkonzo eqinile (kwingxowa-mali)? Indlela ukuthatha imali ngaphandle? Kufuneka ucinge kwangaphambili. Kuphela ukhathazeke kwangaphambili ngokubhala isicelo ohambelana, uya kuba nako ngexesha ufune imali. Abaninzi ukuqinisekisa ukuba iintlawulo kufuneka ukuba ulinde iinyanga 3-4. Kakade ke, ngeli thuba, akukho namanye amacala nayiphi na ingxowa-nye, uya kufumana. mzuzu embi, ukuba kungabikho mntu ulumkisa.

ukwehluleka

Eyona umdla - kukuba i "Well-being 'ngandlela zonke Julita kwaye azame ukuba ukuvumela abathengi zabo. Apha, abathathi baqinisekiswa usebenzisa icebo umdla gqitha yaye ilula: nawe nje akwavuma ngenxa yezizathu okanye enye yokurhoxiswa kwekhontrakthi. Loo ngxelo nto ibhalwe ngendlela yokuba imeko yenguqu kwenye ingxowa-mali yomhlalaphantsi azenzeki. Ngokubanzi, ezinye sidinwe yale meko, kwaye bahlala okuququzelela "ntle".

Ukuba ufuna ukushiya ngxowa-mali kuya kufuneka ukuba bakulungele ukwenza kukuba ukulwa. izikhalazo eziliqela, iingxelo lubhalwe ngokutsha kwaye alinde ixesha elide ukuhlawulwa kwemali - yaye uza kufumana sakhe. ugcine nje engqondweni: kunyaka apho kukho indlela yokuphuma yenzuzo iqumrhu, nawe phantse Awusoze. Kuba ezininzi ilahleko engabonakaliyo, kodwa yazi ukuba angakanani na.

Ngoko kwakhona "Well-being" ungafumani engcono. Ikho nokubakho noluthembekileyo inkampani, kodwa aphinde inxalenye numbers ye pension kunzima kakhulu. Kukho iindlela ezimbini kuphela: noba ukudlulisela kusuka akhawunti kwezinye fund non-karhulumente okanye urhulumente. Kwityala kakhulu, ungathatha imali xa kwafika ixesha lokudla umhlala-phantsi. Kunye nale ngxowa-mali yomhlalaphantsi, wena usahleli emngciphekweni. Cinga nzima ngaphambi kokuba ujoyine i "kakuhle-ntle".