Nibyerekeranye no kumenya imiryango ifite abana babiri cyangwa benshi bashaka gukoresha igishoro cyababyeyi kugirango bateze imbere imiturire, umuhanga mu by'imitungo ubwira.
Usibye igishoro cya fezal (MSC), imiryango ifite abana mu turere tw'Uburusiya bushingiye ku kwishyura ku rwego rwaho. Umwe muribo ni Msk yo mukarere yagengwaga namategeko yo mukarere. Ingano ya MSC ya federasiyo ni 453 026. Ikigega cya pansiyo cy'Uburusiya (Fiu) gishora mu bibazo byateguwe kandi gitanga icyemezo. MSK y'akarere - kuva ku 50.000 kugeza ku ya 150.000. Ukurikije akarere.
Ugomba kuvugana n'iki kibazo mu micungire / Minisiteri ishinzwe gukemura abaturage (SZN) cyangwa muri MFC aho batuye.
Amafaranga ya MSC ya federasiyo irashobora gutabwa mu buryo bwuzuye cyangwa ibice. Ibice bitandukanye bya MSC birashobora gukoreshwa mumiryango itandukanye hakurikijwe amabwiriza ya federasiyo nakarere. Kenshi na kenshi, Mataptal yagiye imbere yimiturire yumuryango cyangwa abana.
Kuva ku ya 1 Mutarama 2007, gahunda ya leta yinyongera yinyongera kumiryango hamwe nabana bagiranye n'itegeko mu Burusiya. Muri FZ №256 yakundaga ku ya 29 Ukuboza 2006, ijambo "umuryango w'ababyeyi (MSC) ku miryango, ryagaragaye (wavutse cyangwa ryabereye cyangwa ryakurikiyeho n'ubwenegihugu bw'Uburusiya ryagaragaye (yavutse cyangwa yari yemejwe). Muri icyo gihe, ubwenegihugu bw'ababyeyi ntabwo bukina inshingano.
Kugura amazu ukoresheje mathaipal
Reba uburyo: Umuryango hamwe nabana bafite amafaranga ahagije yubusa (hamwe na msk) kugura inzu.
- Ugomba kumenyesha umugurisha gukoresha matkapali mugihe ugura. Ntabwo abantu bose babyemera kubona igice cyamafaranga kubiciro byagurishijwe iminsi 30-50 nyuma yo kwiyandikisha kwimura nyirubwigo. Niba amasezerano hagati yumugurisha nuwaguze kugirango akurure msk mugihe kugura ikintu cyagezweho (cyagenwe mumasezerano rusange), birakenewe witonze amasezerano nyamukuru no kugurisha (DCP).
- Igorofa igomba gushyirwaho umutekano w'abagize umuryango bose, harimo n'abana.
- Muri DCC, interuro mugukoresha matkapali mugihe ugura kandi urambuye amakuru arambuye ya MSC hamwe namafaranga kuri konti zabo bigaragazwa hakurikijwe ibyemezo kuva muri fiu na SZN.
- Matkapali bisobanura ntishobora gutangwa mumafaranga. Kubwibyo, birakenewe cyane ko amakuru arambuye kuri konti ya banki yo kugurisha yerekanwe neza muri DCT. Izashyirwa kurutonde na MSK.
- Buri gihe wateganijwe kuri DKP nyuma yo kwiyandikisha nyirubwite, igihe ntarengwa cyo gutanga ibyangombwa byose muri Fiu n'ishami rishinzwe kurengera imibereho, gutangira inzira yo gusuzuma no kohereza amafaranga. Urashobora guhuza iki gikorwa kumunsi wo gusinya ibikorwa byo kwimura no kubohoza kumubiri.
- Ijambo ryo gusuzuma ikoreshwa ryicyemezo muri fiu ni iminsi 21 y'akazi guhera itariki yo gutanga paki yuzuye inyandiko. Indi minsi 10 y'akazi izakenerwa yo kohereza amafaranga kuri konti ya banki yumugurisha niba hafashwe icyemezo cyiza.
- Kugeza ubu, kubara hagati yamashyaka yubucuruzi ntabwo byakozwe byuzuye, inzu iherereye mu ingwate kubagurisha - ibi nabyo byandika muri DCP. Nyuma yo kubona amafaranga ya Msk kuri konte ya banki yugurisha, agomba gutanga itangazo hamwe na IFC ku gukuraho amafaranga yatanzwe mu nzu, andika amafaranga yose yagurishijwe. Manda y'ibyo bikorwa nayo yateganijwe muri DCC.
Ikibazo cyaba gifite icyemezo cyoroshye niba uburyo bwo kugaruka bwa Matkapalo ku ngengo yimari yatanzwe - yahinduwe ku gipimo cya Ruble no gushinjaka mu gihe cyo gukoresha. Kandi hamwe nubushobozi bwo guha uburenganzira uburenganzira bwabo kuri MSC nta kubura no gusobanura mubushinjacyaha. Benshi biteguye gusubiza ibikoresho bya MSK kugirango bakoreshe inguzanyo kugirango batezimbere imiturire yumuryango.
Inguzanyo
Dukurikije amategeko rusange, urashobora gushaka MSK mumyaka itatu kuva kubyara cyangwa kwemeza umwana wa kabiri (nyuma). Ariko hariho ibitandukanijwe. Umwe muribo ni inguzanyo akoresheje igishoro cya kibyeyi mugihe MSK ishobora gukoreshwa ako kanya vuba aha.
Amabanki menshi akwemerera gukurura msk kumusanzu wambere no gusukura umwenda wingenzi na / cyangwa ijanisha kubiguzi byinguzanyo mbere. Muri ibyo bihe byombi, ababyeyi (n'abandi batoza bafatanyabikorwa, niba bihari) andika inshingano za noteri ku rwego rwo guha imbaraga nyirubwite mu nzu zigurwa nyuma y'inguzanyo. Igiciro cyumugabane wumwana ntigishobora kuba munsi yumugabane wa Msk (Federal +) kuri buri muturage.
Sberbank yemerera abahawe inguzanyo guhita harimo abana muri ba nyir'inguzanyo z'inguzanyo. Ntanubwo ari ngombwa kugirango tubyemereye kurera ko inzu yabafite bato izasezeranwa na banki.
Niba mathaptal, ukurikije ibisabwa na banki, birashobora gukoreshwa nkurwego rwambere (cyangwa igice cyayo), kumunsi wurupapuro rwo kugura no kugurisha inzu ya banki / muri selile ya banki Umugurisha araza / yashyizwe kuri banki igiciro cyuzuye cyinzu, harimo na msk.
Umugurisha ntabwo akeneye gutegereza icyemezo cya fiu / SZN no kohereza Msk mu ngengo yimari. Urutonde nkirwo ruzakorwa rushyigikira banki mugihe utanze ibyangombwa byose byinguzanyo na DCP numuguzi muri Fiu / SZN.
Niba umwenda mukuru cyangwa igice cyinguzanyo cyangwa igice cyinguzanyo, hanyuma banki imenyeshwa gusa kubisaba uwagurijwe byerekana umubare nibisobanuro byimpamyabumenyi zifatika.
Ijambo ryo gusuzuma ikoreshwa ryicyemezo muri fiu ni iminsi 21 y'akazi guhera itariki yo gutanga paki yuzuye inyandiko. Indi minsi 10 y'akazi izakenerwa yo kohereza amafaranga kuri konti ya banki yumugurisha niba hafashwe icyemezo cyiza.
EMBOSS umugabane mu nzu y'abana - menya neza
Akenshi ababyeyi, bakoresheje matriptal muburyo butanga inguzanyo, ntukababaze cyangwa udashaka kuzuza inshingano zabo zo guha abana umutungo. Rimwe na rimwe nyuma yimyaka mike iyibyibagirwe. Ikibazo kiragaragara. Amasezerano yo gutanga imigabane y'abana ni Itari zitariya. Hamwe na leta ya leta mugihe cyo kwiyegurira kwiyandikisha - byibuze amafaranga 27000. Ibindi kugurisha inzu nkiyi ni uruhushya ruteganijwe ninzego zishinzwe umutekano. Niba ushaka kunoza imiturire hamwe ninguzanyo - ikibazo. Urugero: Ntabwo bishoboka kubona impushya zo kubara zo kugurisha inzu yibyumba bibiri, aho 1/5 yumugabane yari abana babiri n / s. Ababyeyi bari bafite inguzanyo zemewe na Sberbage ku buguzi icyarimwe icyumba cy'ibyumba bitatu. Banki yerekanye mu masezerano y'inguzanyo ko abana bazaba ba nyirubwite usibye impungenge z'ababyeyi. Umushinga wa DCP wateganijwe nu mugabane wabana, ntabwo ari munsi yakarere nigiciro cyimigabane yabo kuri nzuguriguriweguriwe. Ubucuruzi bwafashe ubwoko butatu bwubwishingizi, harimo ubwishingizi bwizina. Nta kintu cyafashije. Nabwirijwe gufata inguzanyo yumuguzi kuri manda ntoya kandi hamwe nijanisha ryinshi.
Igiciro cyumugabane wumwana ntigikwiye kuba munsi yumugabane wibibazo (federasiyo + y'akarere) kuri buri muntu.
Ntugakoreshe abana b'abana mugihe ukoresha MSC. Gura inzu aho itakozwe, biteje akaga. Amaze kubona imyaka 18, "wambuwe" cyangwa mbere yuko umurinzi we cyangwa mbere yamurindaga ashobora gutanga ikirego, kandi ibikorwa mu nzu hamwe n'abana batabigizemo uruhare bazahagarikwa n'urukiko. Niba inzu yateganijwe kugura inguzanyo na ba nyirubwite bafite abana bafite imyaka iboneye, saba gutanga icyemezo cya fiu kubyerekeye ibisigisigi bya Msk.
Inyandiko: L. Starshinova, impuguke itimukanwa.
Ingingo yasohotse mu kinyamakuru "Inzu" No 2 (2019). Urashobora kwiyandikisha kuri verisiyo yacapwe yatangajwe.
