UmthethoUkuhambisana Wokulawula

Ingabe inhlokodolobha womama ngoba ingane yokuqala, futhi owesifazane sokubeletha bangathembela lokho izinkokhelo?

"Yeka isihawu ukuthi unganikezi womama capital for ingane yokuqala," - uyabubula omama abasha. Ngempela, njengoba umthetho, imikhaya abasha lapho inkosikazi wayesanda beshadile futhi waletha ingane abadinga kwezimo ezingcono izindlu futhi kuzo ukusekelwa ngezinto ezibonakalayo. Isimo samanje wukuthi ukugcinelwa yabo umyeni isikhala ephilayo futhi unkosikazi ngumnikazi, ngaphandle kokusekelwa abazali can engu-40. Ngaphezu kwalokho, ukubukeka izinyane sina kubukela ibhajethi umndeni (omunye uhlala endaweni ezintathu esikhundleni amaholo ezimbili ezimbili), kanye nomndeni ayisekho bakwazi ngisho nokuba neqhaza ku mortgage.

Ngakho-ke, i-pair of ukudonsa kuze kube sekugcineni lapho kuzalwa umntwana, uzama buthelela base impahla, noma uzozala enye asezula amafulethi esikhiphekayo eneminyaka engu 15-20. Ngokwemvelo, esimweni esinjalo, inhlokodolobha lomzali ingane yokuqala yayiyobizwa kakhulu ngcono isimo, ngoba abaningi imikhaya abasha ngokushesha ngemuva ingane kungaba ithuba ukuthola noma ukwandisa isikhala lawo lokuphumula.

Okwamanje, usizo kuphela lapho ezalwa ezingasetshenziswa ukubala umama uhlose sokubeletha, kuba:

  1. Isinxephezelo i isitatimende ekuseni ku-akhawunti e emtholampilo. Lokhu wenkokhelo federal kuyinto ruble 400 kuphela. Kuyenzeka abesifazane abasebenza emsebenzini, uma ema-akhawunti amasonto 12. Inhloso yalesi isinxephezelo - ukuheha abesifazane emtholampilo yabakhulelwe okwakuhlalwa kuzo lapho kusaqalwa, ukukhomba zokugula kungenzeka umbungu, futhi uma kudingeka, esikhathini ukusekela imithi umama esizayo uma ekhulelwe kwakunzima ngenxa yezinkinga.
  2. Umhlangano omkhulu kunayo yonke inkokhelo eyisamba okuyinto etholwe owesifazane okhulelwe - a Umhlahlandlela nokukhulelwa kanye nokubeletha. Yiqiniso, inani ngeke kuqhathaniswe nge-dolobha umzali, kodwa uma umama esizayo ukusebenza ngokusemthethweni uhola kahle, lemali angaya kahle. Umkhawulo ke ongafinyelela ruble ecishe ibe yizinkulungwane 168. Eqinisweni, kungcono iholidi, okuyinto akutholayo izinsuku 140 sokubeletha. Futhi ibalwa ngamunye - I umholo olusemthethweni siphindwe ngesibalo sezinsuku lokuphumula.
  3. Allowance ingane anakekele kuze iminyaka nesigamu. Paid indima olusemthethweni ngamaholo 40% wemali engenayo.
  4. izinkokhelo Isinxephezelo kusukela eminyakeni 1.5 kuya kwemithathu ngesilinganiso ruble 50 ngenyanga izigaba ezithile.

Njengoba singabona, inhlokodolobha womama ngomntwana lokuqala kwakungeke kube engadingekile, njengoba kuzo ukusekelwa ngezinto ezibonakalayo umkhaya. Nokho ekhishwe ke kuphela ingane yesibili, futhi ingasetshenziswa kuze kufinyelele imigomo ethile: ukuze kuthuthukiswe izimo zokuphila zemindeni imfundo ingane ezifaka, futhi ekhokhelwe esikoleni esingesona esikahulumeni, ubuyise impesheni akhawunti omama, ngokusebezisa ke ngemva kweminyaka emithathu nje kuphela i-ukuzalwa komntwana yesibili. Izizathu ezisobala: unina, okuholela endleleni asocial wokuphila, abaqondi ezicashile zomthetho, ngokuvamile uzozala enye ingane ukuze uthole isizumbulu semali.

Ukwehluka - mortgage. Uma umndeni 'ulengise "credit eside nezezindlu, inhlokodolobha womama ungasebenzisa ngokushesha ukuvala wonke noma ingxenye yesikweletu esikhulu kuyinto izikweletu.

Ingabe inhlokodolobha womama ngomntwana lokuqala? Unganikeli futhi ngeke unike esikhathini esizayo esiseduze. Kodwa manje ukuthuthukiswa ngumlayo lapho abesifazane izohlala unelungelo lokuthola imali yokusizwa ingane anakekele kuze kube iminyaka emithathu, kungakhathaliseki inani lezingane. Ngokuvumelana usuku umthombo buyiselo akachaziwe, futhi ngaphezu kwalokho, lokhu inzuzo uzobe ayifake izindawo abahlukene ngezikhathi ezehlukene. Ngokwesibonelo, e-Sverdlovsk esifundeni yomthetho akufanele sesingasebenza kusukela kwabaneminyaka engamashumi 01.01.2013, futhi Lipetsk esifundeni kanye Orenburzhskoy kusukela 01.01.2014.

Ezindaweni eziningi njengoba usekelo imindeni emikhulu ikhokhelwa ngesikhathi esifanayo isizumbulu ngomntwana wesithathu (kuncike esifundeni 50-100 ayizinkulungwane), okungase esichithwa izidingo zamanje.

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