Imalunga nokwazi iintsapho ezinabantwana ababini okanye ngaphezulu abafuna ukusebenzisa imali yokuya kubeleka ukuphucula iimeko zezindlu, ingcali yepropathi ixela.
Ukongeza kwi-Federal Band Manatid Capitaly (MSC), iintsapho ezinabantwana kwimimandla yaseRussia ziziseko zokuxhomekeka kwinqanaba lengingqi. Enye yazo yi-MSK yengingqi elilawulwa ngumthetho wengingqi. Ubungakanani be-MSC ye-Federal zii-ruble ezingama-453 026. Ingxowa-mali yePenshini yeRussia (i-FIU) ibandakanyeka kwimibuzo yoyilo lwayo kunye nokukhupha isatifikethi. I-MSK yeNgingqi - ukusuka kwi-50 000 ukuya kwi-150,000 ruble. Kuxhomekeka kwingingqi.
Kuya kufuneka unxibelelane noku kulawulo / kwisebe lokukhuselwa kwezentlalo yabantu (i-SZN) okanye kwi-MFC kwindawo yokuhlala.
Iimali ze-MSC ze-Federal zinokulahlwa ngokupheleleyo okanye zigcwele. Iinxalenye ezahlukeneyo ze-MSC zinokusetyenziselwa iimfuno ezahlukeneyo zosapho ngokungqinelana nemigaqo ye-Federal and Mkelele. Uninzi lwabantu abaninzi, iMatkalisi iya kuphucula iimeko zezindlu zosapho okanye abantwana.
Ukususela nge-1 kaJanuwari ka-2007, inkqubo yomanyano lwenkxaso yenkxaso eyongezelelweyo kwiintsapho ezingenamsebenzi ongeniswe kwiRussia. Kwi-FZ №256 yoDisemba ngoDisemba 29, 2006, ibinzana elithi "iMaitary (Sperid)" (MSC) (MSC) le-ntsapho (eye yazalwa okanye yazalwa okanye yazalwa okanye yayizalwa yamkelwe). Kwangelo xesha, ubumi babahlali abudlali iindima.
Ukuthengwa kwezindlu kusetyenziswa i-mataphaipal
Cinga ngokhetho: Usapho olunabantwana lunemali eyaneleyo yasimahla (kunye ne-MSK) ukuthenga indlu.
- Kuya kufuneka wazise umthengisi ekusebenziseni iMatkapali xa uthenga. Asinguye wonke umntu ovumayo ukufumana inxenye yemali yendlu ethengisiweyo ezingama-30-50 emva kokubhalisa ubunini bomthengi. Ukuba isivumelwano phakathi komthengisi kunye nomthengi ukutsala i-MSK xa uthenga into ifezekisiwe (ilungisiwe kwisivumelwano senkqubela), kunyanzelekile ukuba silungiselele ngononophelo isivumelwano esiphambili (DCP).
- Igumbi lokuhlala kufuneka libe ngumsebenzi wobunini bawo onke amalungu osapho, kubandakanya abantwana.
- Kwi-DCC, ibinzana ekusebenziseni i-matkapali xa uthenga kwaye ufuna iinkcukacha zezatifikethi ze-MSC kunye nezixa zemali kwiiakhawunti zazo ziboniswe ngokungqinelana nezatifikethi kwi-fiu kunye ne-szn.
- I-matkapali kuthetha ukuba ayinakukhutshwa ngemali. Ke ngoko, kuyimfuneko ukuba balandele ngononophelo ukuba iinkcukacha zeakhawunti yomthengisi ziboniswe ngokuchanekileyo kwi-DCT. Iya kudweliswa yimali ye-MSK.
- Ihlala imiselwe kwi-DKP emva kokubhalisa ubunini bomthengi, umnini-ndawo othile kunye nokucinezelwa komthengi kuwo onke amaxwebhu afanelekileyo kwi-FIU kunye neSebe loKhuseleko lweNtlalontle, ukuqalisa imali. Ungabopha lo msitho ngomhla wokutyikitya umThetho wokuThunyelwa kunye nenkululeko yomzimba yendlu.
- Ixesha lokuqwalaselwa kwesicelo seSiqinisekiso seSiqinisekiso kwi-FIU ziintsuku ezingama-21 zomsebenzi ukusuka kumhla wokugcwalisa iphakheji epheleleyo yamaxwebhu. Ezinye iintsuku zokusebenza ezili-10 ziya kufuna ukuhambisa imali kwi-akhawunti yebhanki yomthengisi ukuba kuthathwa isigqibo esifanelekileyo.
- Ukuza kuthi ga ngoku, ukubala phakathi kwamaqela entengiselwano ayiveliswanga ngokupheleleyo, indawo yokuhlala ibekwe kwisithembiso kumthengisi-oku kubhala kwi-DCP. Emva kokufumana imali ye-MSK kwi-akhawunti yebhanki yomthengisi, kufuneka afake ingxelo ngomthengi kwi-IFC ekususweni kwediphozithi ethengiswayo. Ithuba le misebenzi lichaziwe kwi-DCC.
Ingxaki iya kuba nesigqibo esilula ukuba indlela yokubuya kwe-matokapalo kuhlahlo-lwabiwo mali yanikezelwa-ihlengahlengiswa ngereyithi yotshintshiselwano kunye nomdla wokuqokelela ngalo lonke ixesha lokusetyenziswa. Kunye nokukwazi ukwenza amalungelo abo kwi-MSC ngaphandle kokuzivuma kunye neenkcazo kwiofisi yomtshutshisi. Uninzi lulungele ukubuyisela izixhobo ze-MSK ukuze zisebenzise imali-mali yokuphucula iimeko zezindlu zosapho.
Imali mboleko
Ngokwemithetho jikelele, unokufuna i-MSK kwiminyaka emithathu ukusukela ngokuzala okanye ukwamkelwa komntwana wesibini (emva). Kodwa kuyakwabakho. Omnye wabo yimali mboleko usebenzisa i-theintrakthi yoMama xa i-MSK inokusetyenziswa kwangoko kwakavuka kanye.
Uninzi lweebhanki zikuvumela ukuba utsala i-MSK kuwo omabini igalelo lokuqala kunye nokucoca ityala eliyintloko kunye / okanye ngepesenti kuthengiso lwentengiselwano ngaphambili. Kuzo zombini iimeko, abazali (kunye nabanye abaqeqeshi, ukuba nakuphi na) Bhala isibophelelo sakharithi malunga nokuxhobisa ubunini bendlu. Ixabiso lesabelo somntwana lingabi ngaphantsi kwesabelo se-MSK (Federal +) kwi-capita nganye.
I-sberbank ivumela ababolekisi bayo ukuba baqokelele abantwana phakathi kwabanini-mali. Akuyimfuneko nemvume yolondolozo apho igumbi elinamanenekazi liya kutsalwa yibhanki.
Ukuba i-Matthapital, ngokwemibandela yebhanki, inokusetyenziswa njengomrhumo wokuqala (okanye inxenye yalo), ngomhla wokupheliswa kwe-akhawunti yebhanki / kwi-akhawunti yebhanki ye Umthengisi uza / ulale kwiBhanki indleko epheleleyo yendlu, kubandakanya i-MSK.
Umthengisi akufuneki alinde isigqibo se-fiu / szn kunye nokudluliselwa kwe-MSK kuhlahlo-lwabiwo mali. Olu luhlu olunjalo luya kwenziwa luthandele ibhanki xa ungenisa onke amaxwebhu emfuno kunye ne-DCP ngumthengi kwi-fiu / szn.
Ukuba ityala eliphambili okanye inxenye yemali mboleko okanye inxenye yemali mboleko, emva koko iBhanki ifihlwe kwisicelo esibolekayo esibonisa isixa kunye neenkcukacha zezatifikethi ezingeniswayo kwiimeko ezifanelekileyo.
Ixesha lokuqwalaselwa kwesicelo seSiqinisekiso seSiqinisekiso kwi-FIU ziintsuku ezingama-21 zomsebenzi ukusuka kumhla wokugcwalisa iphakheji epheleleyo yamaxwebhu. Ezinye iintsuku zokusebenza ezili-10 ziya kufuna ukuhambisa imali kwi-akhawunti yebhanki yomthengisi ukuba kuthathwa isigqibo esifanelekileyo.
I-emboss isabelo esikwizindlu zabantwana - qiniseka
Rhoqo abazali, ukusebenzisa iMatkapatal kwiThente yeMali, sukukhathazeka okanye ungafuni ukuzalisekisa uxanduva lwabo ukuba bakhusele abantwana kwipropathi. Ngamanye amaxesha emva kweminyaka embalwa ndiyilibale nje ngayo. Imali ebonakalayo icacile. Imvumelwano yokunikezelwa kwezabelo zabantwana yi-noriya eyoyikisayo. Ndikunye nomsebenzi wombuso ngexesha lokuzithoba ukuze ubhalise - ubuncinci ama-27,000,000. Ukuthengiswa kwendlu enjalo kuyimvume ekunyanzelekileyo ukuba isebenze. Ukuba ufuna ukuphucula iimeko zezindlu ngemali mboleko-ingxaki. Umzekelo: Akunakwenzeka ukuba ufumane iimvume zokulondolozwa kwentengiso yegumbi lokulala ezimbini, apho i-1/5 yesabelo yayizibini ze-N / zabantwana. Abazali babene-sberbank ye-sberbank evunyiweyo kwintshukumo ngaxeshanye yegumbi elinegumbi lesithathu. I-Bhanki ithi kwisivumelwano semali mboleko yokuba abantwana babe ngabanini bongeza kwinkxalabo yomzali. Iprojekthi ye-DCP ichazwe ngesabelo sabantwana, ingaphantsi kwendawo kunye neendleko zezabelo zazo kwindlu ethengisiweyo. Intengiselwano icingelwe iintlobo ezintathu ze-inshurensi, kubandakanya i-inshurensi yesihloko. Akukho nto yancedwayo. Kwakufuneka ndithathe imali mboleko yabathengi kwixesha elincinci kakhulu kwaye ndinepesenti yedrancoconian.
Ixabiso lesabelo somntwana alifanele libe lingaphantsi kwesabelo se-protemal (Federal +) kwi-capita nganye.
Ungabenzi abantwana babantwana xa usebenzisa i-MSC. Thenga igumbi apho le yenziwe khona, yingozi. Ukufika kwakhe kwiminyaka eli-18, "umntwana odikakileyo" okanye ngaphambili unokufaka ifayile, kwaye ukuthengiselana kwindlu kunye nabantwana abangathathi-nxaxheba kuya kupheliswa yinkundla. Ukuba igumbi licwangciselwe ukuthengwa kwemali mboleko kunye nabanini banabantwana beminyaka efanelekileyo, bacele ukuba babonelele isatifikethi esivela kwi-fiu malunga nentsalela ye-MSK.
Itekisi: L. I-Starshinova, iNgxowa-nkqubo yeZakhiwo.
Inqaku lapapashwa kwimagazini "indlu" No. 2 (2019). Ungabhalisela ingxelo eprintiweyo yoshicilelo.
