Ngingayitholaphi imali mboleko kumuntu ohlala empesheni? Futhi ingabe ingenziwa nhlobo?

Njengoba ukuhlaziywa kwemigqa yemikhiqizo yamabhange aseRussia kubonisa , isikweletu kumuntu ohola umhlalaphansi sisadingeka eminyakeni embalwa edlule. Noma kunjalo, ukuthatha lokhu akulula kakhulu. Nakuba ababhanki ngokwabo bevuma ukuthi lesi sigaba samakhasimende singomunye wemfanelo eqotho futhi enesibopho. Ngendlela, abasebenzi behhovisi lezindlu nezokusebenza bangase bakhulume lokho. Uma, ngempela, kwenzeke kumuntu obabuzayo. Okulandelayo, sizobheka izikhungo eziningana zezezimali, lapho kungenzima khona ukubolekisa umhlalaphansi. Nakuba kunjalo, iminyaka ekhethekile yalesi sigaba samakhasimende kanye nenani elithobekile lemali engenayo libolekisa ababolekisi ukuba baziphathe ngokucophelela. Futhi, sidinga ukwengeza ukuthi lezi zinhlelo azibhekwa njengento yonke. Okusho ukuthi, ukuhlala ngokuningiliziwe ukuthi yiluphi uhlobo lwemali mboleko kumuntu ohola umhlalaphansi ku-Bank Savings kungakhishwa (umthengi, udinga ukubuya uma ufinyelela eminyakeni engu-75), ngeke senze.
Ngakho-ke, umuntu wokuqala owaboleka umhlalaphansi kwaba uSovkombank. Uhlelo lwakhe lubonisa ukuthi isikweletu singakhishwa yisakhamuzi saseRussia, esizoyibuyisela ngokugcwele kuze kube mzuzu lapho eneminyaka engu-85 ubudala. Inani eliphakeme lingama-ruble ayizinkulungwane ezingu-250 (noma ngaphansi). Isilinganiso senzalo sinama-28% ngonyaka. Lesi sipho singasetshenziswa bobabili abahola impesheni (abakudala, ukukhubazeka, ukukhululwa ngokushesha). Ungasebenzisa futhi uhlelo "Express Pension": ama-ruble angama-30 ayizinkulungwane ezingu-30 ngonyaka ka-33%. Ngesikhathi esifanayo, kudingwa ipasipoti yomphakathi kuphela. I-Rosselkhozbank ingakwazi ukubolekisa umhlalaphansi. Ngaphakathi ohlelweni olukhethekile, ukubolekwa kwemali eyi-ruble ayizinkulungwane eziyi-100 kwenziwa. Futhi ukusetshenziswa kwekhasimende kuyakhokha kuphela 15% ngonyaka. Imigomo yohlelo (ngendlela, ebizwa ngokuthi "Imali mboleko yePensheni") ibeka ukuthi isinqumo esihle sekomiti lesikweletu kungenzeka kuphela uma umlondolozi noma umbolekayo ehilelekile ekuthengiseni. Ngaphandle kwalokho, ungahlinzeka ngempahla ekhethiwe.

Ngaphezu kwezinhlangano ezikhulunywe ngazo, impesheni kumuntu ohola impesheni inikezwa kanje:

• Quickbank - kuze kufike ku-200 000 ruble ku-26-35% ngonyaka. Kuzodingeka ukuthi uqinisekise imali engenayo noma unikeze isitifiketi esibonisa inani lempesheni elitholiwe.
• Ibhange elithi "Western" - ama-ruble angu-250 000 ku-26% ngonyaka (nangaphezulu). Udinga isitifiketi sempesheni kanye nepasipoti yomphakathi.
• Severgazbank - kuze kufike kuma-ruble angu-100 000 ku-17% -21.5% ngonyaka. Ngaphandle kwe-guarantor lapha ngeke isebenze. Ngaphezu kwalokho, ibhange lidinga ukunikezwa kwepasipoti, isitifikedi sesempesheni kanye nesitifiketi sempesheni esitholiwe (noma i-2-NDFL, uma iklayenti okwamanje isebenza).
• I-Primsotsbank - kuze kufike ku-100 000 noma ku-200 000 ruble ku-20% -21% ngonyaka. Esimweni sesibili, okungenani ukuqinisekiswa okukodwa kuyadingeka, kodwa okokuqala, cha. Futhi udinga ukuqinisekiswa ngobukhulu bempesheni.

Ngokuqondene nezingibe, bheka zifana nezinhlelo zokubolekwa ezijwayelekile. Ukuze ugweme ubunzima esikhathini esizayo, kungcono ukuthola isikhathi samahhala sokwenza inkampani yesihlobo esidala ngesikhathi uvakashela ebhange. Futhi akufanele nje uhambe, kodwa ukuba ube yisiqinisekiso. Lokhu kuzonciphisa ingozi yokwenqaba ukukhipha futhi kuzoba nethemba lentengo ephansi.