Inhlokodolobha nokubeletha: isandiso zohlelo. Isandiso inkathi dolobha womama

Uhlelo kuxhaswa kuhulumeni ngemindeni nezingane ezimbili noma ngaphezulu, eyaziwa ngokuthi "inhlokodolobha sikanina 'le, sacala kusebenta ngo-2007. Ilungelo lokuthola imali kusuka isimo livela kanye kuphela, kungakhathaliseki inani izingane ekhaya. Kuzinjongo kungenziwa wachitha womama dolobha, komthetho, izimali "esandleni" akuyona Kusolwa. Usayizi izinkokhelo kwesikhathi 2015-2016 zaba ruble abangaphezu kuka-450 eziyinkulungwane. Ekuqaleni kwathiwa bazitshela ukuthi leli fomu kuxhaswa kuhulumeni izosebenza kuze December 31, 2016. Kodwa sibonga uhlelo "womama inhlokodolobha" ukuthandwa isandiso, kwanqunywa ukuba afeze kuze 2018.

Ubani onegunya lokuthola isitifiketi umkhaya?

ukwesekwa State inikezwa kulabo imindeni lapho wazalwa iye yalugunyaza ingane yesibili (uma ingane esezele isicelo sakhe sesibili ukwesekwa sigcwalisiwe, ngemva kokuzalwa komntwana yesithathu nezingane ezalandela ungaba futhi ukwamukela le nkokhelo).

Ukukhishwa isitifiketi ukuthola ukwesekwa isimo senziwa umfanekiso Pension Fund we Russian Federation endaweni lapho uhlala khona.

Nini Ngingaya isicelo womama dolobha?

Ukwelapha eside e ophethe amandla akugcini ngemva kokuzalwa kwengane. Okuchaza ukuthi ungathola isitifiketi emva kwesikhashana, emva umndeni waba wesibili (kwesithathu, kwesine nokunye. D.) Ingane. Isimo kuphela - uhlelo lokusebenza. Ngenxa yokuthi angamalungu ePhalamende iye inkinga wezwe lakithi ukuthi ukwelulwa womama dolobha kudingekile ukwelashwa isikhathi isimo. ukwesekwa anda. Nokho, kukhona ukulinganiselwa nesikhathi, ngemva kwalokho kungenzeka ukuze uthumele imali eyabelwa izidingo ezidingekayo. Sebenzisa imali ngangokunokwenzeka ngemva ukubulawa kwabo ingane yesibili engu-3.

Nginga phambi iminyaka 3 ukusetshenziswa izindlela isitifiketi?

Kukhona kungenzeka oda kusengaphambili esebenzisa uhlelo umzali dolobha, uma udinga ukuthola credit ukuthengwa zokuhlala kanye zisebenzisa imali njengoba ukukhokhelwa phansi. Uma une kungenzeka elivumelekile ukwesekwa loan izimali wachitha ekudluliseni ngenxa buyiselo ezikweletini. Iphuzu okubalulekile ukuthi inkokhelo yenziwa kuphela lemali uthishanhloko kanye inzalo enqwabelene, okusho ukuthi nokukhokhwa izinhlawulo izinkokhelo sekwephuzile futhi izinhlawulo esivuna a isikhungo credit uwela emahlombe ababoleka.

Yini enye okudingeka ukwazi?

isitifiketi Lost ingabuyiswa. Ukuze wenze lokhu, vakashela uMnyango Pension Fund we Russian Federation endaweni yokuhlala nokwenza sokuba Ukukhishwa idokhumenti impinda.

intela Standard ku kwemali abantu ngabanye asisebenzi izindlela inhlokodolobha umzali.

ekunqanyulweni ezizalwa ngaphambi kwesikhathi sokusebenza

Isitifiketi ukwesekwa isimo kungase kuphele ukuba umphumela kuphela ezimweni esibekiwe, okuyilezi: ukuqala ukufa isitifiketi we-, ukuqedwa amalungelo zomzali ukuthi ingane, esezele okuyinto zingena khona ukusekelwa isimo (efanayo njengoba ku yokukhansela wokutholwa).

Isikhathi uhlelo "inhlokodolobha sikanina '

Njengoba sekuphawuliwe, ngesikhathi esebenza ifomu ngenhla okuthiwa ukusekelwa, yisikhathi ekupheleni kukaDisemba 2016. Nokho, ngenxa isidingo sokusekela imindeni enezingane ezimbili noma ngaphezulu kanye nokugcinwa esimweni sabantu, kwanqunywa ukuba wandise ethemini ye izinkokhelo zohlelo "inhlokodolobha sikanina '. Isandiso, ngokuvumelana nomthetho olusha yokutholwa ngaphambi kokuphela 2018.

Ngokuqondene nenani lokukhokha, yena, eminyakeni ngaphambi, uzobe ngokobungako. Inani esiqondile Uhlelo "womama inhlokodolobha", ukwelulwa owawusedolobheni 2016, kusukela ngo-January 2017, engakaze kunqunywe. Okwamanje aziwa isithakazelo kuphela, okuyinto singasebenza leli zinga isikhathi esizayo 6% 5.1%. Kulokhu, kunobungozi ukuthi ukwanda ubukhulu yokukhokha akuthathi indawo uma kucatshangelwa isimo somnotho esinzima. Ngempela, ukuthandwa uhlelo ukwaba izimali imindeni enezingane ezimbili noma ngaphezulu, nazo zonke inyuka njalo ngonyaka, okusho isidingo ukwandisa izindleko isimo kwabakhulelwe dolobha.

Abazali abaningi basaqhubeka uhlela ngengane yesibili, ezibuza ukuthi isandiso capital womama sihlelelwe? Kuzokwenzekani lolu hlelo uhulumeni ngemva isikhathi saso date, akwaziwa. Kungaba omunye ongakhetha eziningana: uhlelo uyovalwa (isibonelo, ngenxa ukugcwaliseka kwezinjongo, ukungabi nemali ukuze ukhokhe, kahle, njll ...), Isikhathi isandiso yenhloko-dolobha umzali izokwenyuka, izoshintsha imigomo ukusetshenziswa ngezimali eyabelwe zona. Nakuba iPhalamende isivele waphakamisa lo mbuzo. Iplani kwakungukuthi hhayi kuphela ukwandisa eside, kodwa futhi inani isitifiketi "inhlokodolobha sikanina '. Ukwelulwa hlelo kuze 2025, bekulokhu kwi-ajenda, kubhekwe kwesikhathi.

Kanjani isitifiketi ingasetshenziswa?

Ngokuhambisana nemithetho zamanje, zikhona izindlela eziningana lapho izimali angafakwa ohlwini dolobha umzali.

1. Ukuthuthukisa umndeni eziphilayo. Lokhu isiqondiso ithandwa kakhulu, kusukela kuyi izimo zokuphila njalo efanele. Inani elikhulu emindenini lwenziwe "inhlokodolobha sikanina 'esetshenziswa ukwenza ngcono izimo zokuphila. Isandiso kubangelwa ikakhulu lokhu ukuthandwa. Kuyaqondakala ukuthi ngcono izimo zokuphila kungenzeka kubangelwa:

• ukuthengwa kwempahla zokuhlala izimali ezitholwe sivumelwano olusemthethweni kusukela ebhange noma kwenye sesikweletu.

• ku isidingo ngomsebenzi wokwakha owawusemzini womzalwane.

Esimweni sokuqala, ilungelo lokusebenzisa izimali ezibekelwe ngumbuso, kuziwa yobudala iminyaka emithathu wengane, okungukuthi ngaphambi kwesikhathi ebesibekiwe. Ngezinye efanayo izimali isikhathi kusuka isitifiketi ingathunyelwa ku-akhawunti yebhange noma enye inhlangano credit njengoba lokukhokhela isitolimende sokuqala ku-loan, noma ukunciphisa ubukhulu imvume izikweletu yokuboleka le mali esedlule.

2. Kumiswa ingxenye uxhaso kokukhokhwa kwempesheni unina (e inkampani ukuphathwa noma isikhwama sempesheni yangasese). Lendawo ukusetshenziswa kwezimali uthanda kakhulu kancane njalo kuka ezinye izinketho.

3. Isinxephezelo yezindleko nemisebenti kanye netimphahla wathenga i lithathelwe yetenhlalo emmangweni bezingane ezikhubazekile. Uhlu izimpahla kanye namasevisi, izindleko okungase esebuyele kubazali babo, Icaciswe ngumthetho (funda kungaba ehhovisi sempesheni noma ngokuvakashela olusemthethweni isisetshenziswa se-Inthanethi ejensi). Isinxephezelo izindleko zokwelashwa nemisebenzi hhayi isho.

4. Inkokhelo yokufunda wengane ku zasenkulisa izikhungo zemfundo, izikole zamabanga, amakholiji, nezikhungo kanye nezinye izikhungo zemfundo anelungelo ahlinzeke insizakalo efanele umphakathi. Dlulisela imali amasevisi zemfundo kungaba kokubili ingane futhi nezingane ezimbalwa, ngokugcwele noma ingxenye yayo. Kuvele ehilelekile okubalulekile yobudala ingane: pay yesikole womama dolobha kungaba izingane azifinyelelanga engamashumi amabili nanhlanu.

isiphetho

isitifiketi Umkhaya njengomhlatshelo kwenza kube nokwenzeka imikhaya afeze indlela qualitative xaxa imfundo kanye nokuthuthukisa izingane, lumboza zonke izindawo ezibalulekile kakhulu futhi ezibizayo zokuphila. Ngenxa ukuthandwa ukwesekwa umphakathi umthetho waphasiswa ukunweba dolobha womama, okuzokwenza agijime kuze kube sekupheleni 2018.