Ukondla obushade naye emuva kwesehlukaniso izibopho lokusekelwa amanye amalungu omndeni. Umuntu kumelwe ukhokhe nesondlo?

Namuhla sizofunda nge eside ezifana ukondla obushade naye emuva kwesehlukaniso. Ngakule eside njalo ngonyaka kukhona okuningi lwendaba. Bonke zithinta imikhaya ethile. Ngokuvamile, imali yesondlo abazali abangabodwa ukuze izingane zabo. Yiziphi izibopho nokugcinwa nezinye amalungu omndeni? Ubani, kubani futhi kufanele ukwaba lapho izimali ukuze silondoloze indinganiso efanele yokuphila? Kungaphansi kwaziphi izimo? Iyini inqubo yokuqoka nokukhokhwa kwezintela ukondla obushade naye emuva kwesehlukaniso? Ukuze uqonde zonke lezi zici akunzima, uma ngokucophelela ukufunda nemithetho yezwe lethu.

incazelo

Yini ephathelene? Lokho eRussia ngokuthi ukondla obushade naye emuva kwesehlukaniso? Ubani ubhekene kulezi izinkokhelo, futhi ngaphansi kwaziphi izimo?

Ukondla obushade naye emuva kwesehlukaniso - ngezimali eyabelwe zona wokugcinwa amalungu omndeni abaswele. Ngokuvamile, izinkokhelo abafanele njalo (njalo ngenyanga). Aqokwa ikakhulukazi ukuqinisekisa izingane.

izici Jikelele izibopho nokugcinwa amanye amalungu omndeni kuyafana yencazelo ezihlongozwayo. Ngo izihlobo yalo mndeni idinga e kwezimo ezithile kumele ngokwezimali basekelane. Kodwa udinga ukukhumbula lokhu?

Inqubo yokuqoka nokukhokhwa

Ukondla obushade naye emuva kwesehlukaniso for RF IC ingakhokhelwa yaphinde yaphathwa ngezindlela ezahlukene. Namuhla, kunamabandla ngezizathu ezihlukahlukene Imali ethunyelwe phakathi kwamalungu omkhaya:

• ekukhokhweni ukwahlulela;
• ukudluliselwa yokuzithandela izimali ngaphansi kwelungiselelo lokuba amazwekazi;
• nokukhokhwa sivumelwano ukondla obushade naye emuva kwesehlukaniso ukondla obushade naye emuva kwesehlukaniso (elaliklanywe wokulungisa izivumelwano).

Ezinconyiwe anqume ukondla obushade naye emuva kwesehlukaniso ukungezwani ngomoya onokuthula. Kodwa ngo umkhuba lokhu akuhlali yimpumelelo. Ngakho-ke kubalulekile ukuba aye enkantolo.

I payers main

Umuntu kumelwe ukhokhe nesondlo? umthetho Umkhaya kubonisa ukuthi amalungu omkhaya kudingeka ngaphansi kwezimo ezithile ukuze ondle imikhaya yawo ngokwezimali.

Ngokuvamile ikhokhwe nesondlo:

• abazali / ababheki / ekungeyona eyakhe abazali ukuba izingane zabo;
• izingane kubazali bazo;
• owakwakhe (kuhlanganise wangaphambili) nomunye.

Ukondla obushade naye emuva kwesehlukaniso izibopho lokusekelwa amanye amalungu omndeni, futhi, nendawo. Kodwa Kamuva sizoxoxa ngokuthi. Okokuqala, inkulumo kancane mayelana nezimo kwande.

"Baby"

Cash ekhokhelwe izingane, njengoba umthetho, kuze kube inzalo ubudala. Zingase aqokwa njengelungu umshado, futhi ngaphandle kwalo.

Ngokwe-RF IC, ukondla obushade naye emuva kwesehlukaniso - indlela ukuba banikeze izingane zabo izimali ezidingekayo. Umthetho wezwe ugcizelela ukuthi abazali aphoqelelwe ukuba alondoloze futhi bafundise izingane zabo ngaphambi kokuba uneminyaka engu-18 ubudala (ngo-Ukukhululwa - 16).

inkokhelo zingenziwa abazali ku abadala, kodwa abantwana abakhubazekile. Ngokwesibonelo, abantu abakhubazekile. Isikhathi izinzuzo kukhawulwe kuphela ukukhubazeka kwengane - inqobo nje uma engakutholi isimo esebenzayo, abazali anesibopho ukwaba izimali ngoba.

Ukondla obushade naye emuva kwesehlukaniso izingane ezivela imishado ehlukene ziqoqwa kalula. Lo mkhuba Sekuyisikhathi eside kwaziwa. Into esemqoka - ukuba aqaphele ubuyise ukondla obushade naye emuva kwesehlukaniso lokukhokha komunye oyedwa (ngezikhathi ezithile - Umama).

Umthetho usungula lemali elandelayo izinkokhelo izingane:

• 25% yemali isakhamuzi - oyedwa;
• 33% - walabo ababili;
• 50% - izingane ezintathu noma ngaphezulu.

inkokhelo kungabuye yaphathwa nani. Lo magazini owakwakhe (kuhlanganise wangaphambili) anqume noma ngabe eyedwa noma enkantolo.

owakwakhe

yesondlo Ubuncane esabelwe ukusekela womshado (izinto zakuqala ikakhulukazi), ayifakiwe. izinkokhelo Specific zincike degree of izidingo zezakhamizi.

Ngokuvamile on the ukondla obushade naye emuva kwesehlukaniso ongacela umkakhe. Kubonakala lokhu kwesokudla kwalezi zimo ezilandelayo:

• ukhulelwe;
• khona ingane ngaphansi kweminyaka emithathu ubudala;
• ukuqala kokukhubazeka;
• izidingo kakhulu onyakeni wokuqala ngemva kwesehlukaniso;
• izingane ukunakekelwa kwabakhubazekile (amaqembu 1 no-2);
• benakekela izingane omdala abanokukhubazeka 1 iqembu;
• umhlalaphansi (hhayi iminyaka engaphezu kuka-5 ngemva kwesehlukaniso).

Nomyeni wami unelungelo ukuze asekele umkakhe nebujamweni (ngaphandle sokukhulelwa). Nokuvulwa nesondlo nokugcinwa unina ngokuvamile kwenziwa ngokusebenzisa izinkantolo.

Kuzo zonke lezi zimo kubalulekile ukukhumbula ukuthi umngane womshado uzoqoka ukondla obushade naye emuva kwesehlukaniso kuphela ukuthi unakho yini imali eyanele. Uma kungenjalo, thola ukusekelwa ngokwezimali cishe kungenakwenzeka. Kodwa uma uzama, nesondlo bayonikezwa. Ngokwesibonelo, uma oshade naye ukufihla imali yabo.

abazali

Ukondla obushade naye emuva kwesehlukaniso izingane ezivela imishado ehlukene, njengoba sesibonile, imiklomelo esemqoka enkantolo. imithetho Russian ibonisa ukuthi izingane eziye zaphetha yobudala, kudingeka ukuba zixhase abazali babo abaswele futhi abakwazi sokusebenza ngokuzijamela. Ngokuvamile imikhaya lolu daba akuyona inkinga - ingane kusiza ngokuzithandela kubazali bayo. Kodwa kunokuningi okungakhulunywanga ngakho.

Abazali bengathola isondlo izingane zabo kulezi zimo ezilandelayo:

• nokukhubazeka;
• umhlalaphansi;
• ukukhubazeka evimbela umsebenzi;
• isidingo oyingozi.

Lokhu kusho ukuthi umzali ukusebenza, umhlalaphansi, noma umane umzali abanquma engeza izinkinga enganeni yakho empilweni yakho, ngeke ukwazi ukuthola nesondlo. Ikakhulukazi ngenxa yokuthi akukho incazelo ecacile izidingo eRussia.

Kwesokudla yokulungiswa kubazali babo balahlekelwa uma:

• abazange wagcwalisa nezibopho zabo maqondana nezingane;
• umzali bancishwa amalungelo;
• Citizen kabi isikhundla sakhe;
• umzali ningabuyiseli nesondlo.

Izinzuzo zinqunywa esekelwe ubuncane ukudla ezingeni esifundeni, kanye ngokusebenzisa izindlela zokuhlola omkhaya.

Ngakho kusukela osekushiwo ukuthi uma umzali ukukhokha nesondlo, futhi silondoloze ingane (ngisho izinkokhelo okuncane) zabo, uyokwazi esikhathini esizayo ukucela inkece izingane.

Okunye payers

Ukondla obushade naye emuva kwesehlukaniso izibopho lokusekelwa amanye amalungu omndeni, ngokomthetho ezingajwayelekile kakhulu. Kodwa kusadingeka indawo ukuba. Umndeni, njengoba kuye kwashiwo, abantu badinga ukuba basekelane. Futhi ngokwezimali kanye.

Ubani omunye kungaba lokukhokha komunye oyedwa ukondla obushade naye emuva kwesehlukaniso? Ziyakwazi:

• ugogo;
• umkhulu;
• abazukulu;
• abazalwane;
• udade.

Kulokhu, ogogo labokhulu, nabazukulu abangu ukuze uthumele nesondlo uma:

• izingane (abazali umzukulu) beswele futhi engakwazi ukusebenza;
• izingane awunawo kungenzeka ukuqoqa imali ukuzilondoloza kusukela abazali.

Abazukulu kanye nogogo nomkhulu ikhokhwe ngaphansi kwale mibandela elandelayo:

• It ophethe neediness zokugcina;
• ogogo nomkhulu abakwazi ukusebenza futhi angakwazi ukusekela ngokwabo;
• kwasebekhulile akunakwenzeka ukuqoqa nokuxhaswa izingane zabo kanye namakhosikazi.

Bafowethu kanye nodade isuke imali yesondlo, uma:

• abamukeli (odadewabo noma abazalwane) zikhutshaziwe;
• ukuqoqa imali kubazali akunakwenzeka;
• Abazama abanikeli Aliments kukhona employable;
• awukwazi ukuthola imali umyeni / unkosikazi.

Njengoba sekuphawuliwe, izibopho nokugcinwa amanye amalungu omndeni, ngokomthetho ezingajwayelekile kakhulu. Kodwa uma bengenakho zenzeka, ngokuvamile ingxenye abathintekayo kuleyandawo mayelana nodaba ezinkantolo.

Lapho zisiza ukuxazulula inkinga

Uqinisile bangaya kuphi ukuze bathole usizo ezihlobene ukondla obushade naye emuva kwesehlukaniso? Lawa macala asuke tifundziswe kutinkhantolo tabomantji. Lapha amiswa, kukhanselwe futhi isilungisiwe ukondla obushade naye emuva kwesehlukaniso izinkokhelo.

Uma nesondlo sihlelelwe kanye Isigaba impahla ezibizayo (ruble ezingaphezu kuka-50 eziyinkulungwane), isakhamuzi kumele afake isicelo sakhe enkantolo yesifunda endaweni lapho uhlala khona.

Uhlu kwemibhalo

Kuyadingeka ukuba ngihambise izincwadi ezithile. Bona kuxhomeke esimweni esithile. Ngokuvamile kudingeka bathumele inkantolo:

• isitatimende kwesimangalo;
• iphasiphothi komfakisicelo;
• imiqulu uqinisekise ukuthi ummangalelwa isihlobo sakho;
• isitifiketi ezempilo ukubunjwa umndeni;
• imibhalo ebonisa imali amaqembu;
• ubufakazi isidingo / ukungabikho kukanina.

Empeleni, konke nje umsindo eziyinkimbinkimbi kanjalo. Ngokuvamile, uma kuziwa nesondlo izingane, abazali kanye bomshado, konke isixazululekile ngokushesha futhi kalula. Kodwa ukondla obushade naye emuva kwesehlukaniso izibopho lokusekelwa amanye amalungu omndeni ukuletha asemrarweni empilweni yangempela.