Indlela ahlele ingane yesibili dolobha kamama?

Okwamanje, isimo ukwenza ngaphandle nokuvikelwa kanye nokwesekwa omama nengane ezingaphezu kweyodwa. Uma ulindele ingane yesibili, inhlokodolobha womama ungathola ku isimo ebezingakuthinti usebenzise lolu hlobo izipesheli zomphakathi emndenini wakho. Ukusekela inikezwa emindenini kanye nalabo abaye bamukela ingane, akulona wokuthoma emndenini. Kuyaphawuleka ukuthi inhlokodolobha ikhishwa ngesikhathi esifanayo umndeni othile.

Isimo sokunquma kwabakhulelwe inhlokodolobha

Cabanga amalungiselelo saziso kudingeka ukuze ithobele ukuze ukusizakala lolu hlelo:

• kwesokudla Legal ukusekela owesifazane oseneminyaka ezele noma bamukela ingane kwesibili noma izikhathi ezilandelanayo. Ukuze ingane yesibili bazokwazi ukuthola womama dolobha futhi amadoda bawukuphela ababheki wesibili ingane olandelayo. Uma sowesifazane kwesokudla wesikhathi izinzuzo ayavalwa, basuke ngokuzenzakalelayo idluliselwe uyise noma wokutholwa izingane. Lokhu isimo kungenzeka ngokuqondene kokufa owesifazane noma ekucwileni ezikweletini amalungelo ayo ingane engazalwa noma ezamukelwe ngu namajaji. Uma ilungelo evala uyise (usingayise), kuba ingane.
• Ilungelo dolobha umndeni ngomntwana wesibili Russian Federation kungaba izakhamuzi Russian. Ingane kumele abe yisakhamuzi we Russian Federation ngokushesha emva kokuzalwa nengane wokutholwa kufanele sinikezwe isimo ngesikhathi wokutholwa.
• Uhlelo phakathi kokuzalwa kwengane yakho izothatha kuze kube sekupheleni kuka-January 2016.

Uyini umthamo yesibonelelo sikahulumeni?

Ukuze ingane yesibili dolobha kamama is recalculated ngonyaka. Lokhu kungenxa ukwehla kwamandla emali ngonyaka. Ngo-2007, ubukhulu Ukusekela kwakukukhulu ruble ayizigidi 250, futhi izinga layo selifinyelele ayizinkulungwane 450 ngo-2014. Sicela uqaphele ukuthi uma kwenzeka ingane yazalwa ngo-2007, njengoba isinxephezelo kini ngaqala ukuzama ukubazi ngo-2016, inani inzuzo uzobe recalculated ngesikhathi unyaka inhlokodolobha umzali.

Indlela efanele draw izinzuzo?

• Silindele usuku lokuzalwa noma ukutholwa kwezingane. Uma isinqumo senkantolo kuziwa phakathi force, thina uqhubekele yokubhaliswa amalungelo usizo lukahulumeni.
• Ukuze nokubhalisa zabo ilungelo lokuthola inzuzo womama. Lokhu kungenziwa nganoma iyiphi inkathi yesikhathi, esezele noma ukwamukelwa ingane. umthetho Russian alisho abazali ngokuya yayo irisidi. Ukwamukela dolobha womama ngomntwana yesibili futhi kungaba kamuva. Ukuze ukubhaliswa kwaso udinga balungise amaphepha niwalethe ehhovisi Pension Fund mathupha noma umelwe. Ukuze izakhamuzi abangekho noma ukuyohlala kwelinye izwe, imibhalo ofuna ukuthumela imeyili.
• Ngesisekelo umthetho, ngoba ingane yesibili ukuthola dolobha womama singaba wavakashela Pension Fund noma ngeposi. Isinqumo ukunika isitifiketi ziyokwenziwa nguMkhandlu umzimba ogunyaziwe enyangeni eyodwa emva ukulethwa wonke amaphepha adingekayo. Lapho isinqumo omuhle isicelo, Ukukhishwa kanye yokuthumela iposi isitifiketi okwenziwe phakathi nezinsuku ezingu-5.
• Ukuze neminye imibandela esungulwe dolobha umndeni. Bathembele ozala omunye ukusetshenziswa aid. Ngokusho imithetho komthetho isiRashiya, abacebile ukuqinisa amalungelo abo ukuze dolobha, kubalulekile ukulinda trohletiya ingane. Njengoba ukunakekelwa kumelwe okungenani sibe neminyaka engu-3. Uma ufuna ukukhokha off the loan ekhaya, isimo ivumela ngokushesha ukuthumela dolobha isikweleti.

Yini edingekayo ukuze yokubhalisa?

Uhlu kwemibhalo:

• amakhophi amakhophi passport kokubili abazali noma ababheki zomthetho;
• Imibhalo ekuzalweni izingane ekhaya;
• ukwahlulela eziphathelene ngokutholwa;
• SNILS - impesheni umshwalense ikhadi;
• isiqinisekiso esemthethweni yisakhamuzi Russian unina (usynovitelnitsy) nengane.

Umndeni wathola isitifiketi ngomntwana yesibili, inhlokodolobha womama lingasetshenziswa njengoba utshalomali elilungile olunikezwa nomthetho:

• ngoba imfundo yezingane;
• kumiswa impesheni umzali;
• ekhaya ngcono.

Ngayinye uma umuntu lapho emikhulu yentuthuko ehlinzekelwe amaphakheji ekhethekile kwemibhalo ukuthi kumele ahlinzekwe Sempesheni esibhalisiwe. Lokhu kuyadingeka ukuze athole imali ukudluliswa kweemali edingekayo inhlangano.