Kanjani ukuze uthole womama dolobha ukuze kwakhiwe?

inhlokodolobha nokubeletha - kuba okungeziwe kuxhaswa kuhulumeni emindenini nezingane 2 noma ngaphezulu. Lolu hlelo olunesihloko esithi ukuyithola imindeni lapho kwakukhona ingane yesibili (noma izikhathi ezilandelanayo) kusukela ekuqaleni 2007.

Indlela ukuchitha dolobha kamama imali?

• Ukuze zithuthukise izimo zokuphila umndeni (zokuthenga, ukwakhiwa yendlu, ukukhokhelwa imali ithathwe for yokufuna impahla, okufaka indlu, njll).
• Ukuze ukhokhele emfundweni yezingane endaweni WaseRussia.
• Ukwanda umhlalaphansi ama-akhawunti lomama.

inhlokodolobha nokubeletha ukuze kwakhiwe - ke ingenye yezindlela ethandwa kakhulu futhi wazama ukusebenzisa yesibonelelo sikahulumeni. Ngokwezibalo, yonke imindeni yesibili, wanquma bachithe izindlela inhlokodolobha umzali, ubathuma ngcono izimo zokuphila.

Kanjani ukuze uthole dolobha womama ukwakha indlu?

Ngokomthetho isiRashiya, ukuze ukusizakala isimo ukwesekwa ngezimali, umnikazi (ngokungabi bikho umama - ingena esikhundleni sakhe ebusweni) isitifiketi ukuvakashela Zempesheni kanye ukusebenzisa ngesinqumo ukulawulwa dolobha. Ngaphezu kwalokho, kufanele ulethe imibhalo esiqinisekisa ukuthi isicelo (noma umkakhe) iyona umnikazi womhlaba, kanye imvume ukuqala ukwakhiwa kwezindlu. Kodwa-ke kubalulekile ukucabangela ukuthi uma zonke imali ngeke banikezwe. umthamo wabo kuzobe engaphansi kwengxenye isamba. Okusele kuyohlolwa uma kuphela ngemva kwezinyanga eziyisithupha, futhi kuphela uma kwenzeka ukuthi izonikezwa imiqulu ukuqinisekisa imisebenzi yokwakhiwa. Batinikela zikahulumeni okufanayo elikhiphe imvume yokwakha.

Kumele kukhunjulwe ukuthi ikhono ukuchitha inhloko-dolobha umzali awubhekene ukulungisa izakhiwo. Igama elithi "ukwakhiwa" libhekisela ukwakhiwa amakhaya amasha noma ukwakha kabusha kwanoma ubudala. Futhi, izimali umzali dolobha abelwe lapho kudingeka ngoba ukuhunyushwa izakhiwo okungezona zokuhlala e yokuhlala.

Yonke enye into, kumele uhlinzeke:

• isitifiketi yempesheni yomshuwalense kumuntu isitifiketi ikhishwa;
• iphasiphothi lomuntu wasithola isitifiketi;
• isitifiketi siqu ku-dolobha umzali (noma okuphindiwe).

Nokubeletha dolobha ukuze kwakhiwe inikeza sokumesula ekwakheni izindlu ubunikazi ezivamile kokubili abazali nezingane, kungakhathaliseki isitifiketi itholiwe nganoma yisiphi ingane. Kulokhu, ilungu lomkhaya attained engu-18 ubudala, nganoma isiphi isikhathi ingenqaba ukwabelana, ubhalwe kabusha noma yimuphi ilunga lomndeni. Ukuze ingane njengoba kuchithwa enjalo akakwazi ukubhala, ngisho noma kunguwena wedwa umzali noma umnakekeli.

inhlokodolobha nokubeletha ukuze kwakhiwe, noma kunalokho izimali zalo singase sizinike kuphela ngemuva kokuthi ingane (okuyiwona wathola) eba neminyaka engu-3. Lo mngcele isuswe umcimbi ukuthi lezi zimali lapho siqondiswa ukuba sokukhokhwa izikweletu ku loan, okuyinto sathathwa kabusha, ukwakhiwa noma ukuthengwa ikhaya.

Uma inhloko-dolobha umzali uzobe wachitha akubona bonke, ukulinganisela kwaso ngeke afakwe umugqa nokunyuka nokwehla kwamandla emali. Ngokuzayo ingasetshenziswa ezinye izinjongo (imfundo, impesheni ekuqongeleleni kamama).