Indlela yokusebenzisa imali yokubeletha iminyaka engaba ngu-3?

Umndeni ngamunye eRussia, lapho umntwana wesibili nowalandela eyamukelwa emva kuka-2007, unelungelo nethuba lokuthola isitifiketi sokulahlwa kwemali yomama noma yomndeni. Lesi silinganiso sokukhuthaza abazali nezingane sibaluleke kakhulu, ngoba inani lokusiza ngokwezezimali ngaphansi kwalesi sihloko somthetho ngo-2016 yi-ruble engu-453 026.

Isamba semali yesinxephezelo semali esingazithola umndeni ngokulahlwa kwemali yokubeletha sinjalo kuzo zonke izifunda zeRussia Federation, ngakho abanye omama nabazali kuyindlela enhle kakhulu yokuxazulula izinkinga eziningi. Noma kunjalo, lolusizo lwezezimali alutholakali ngekheshi, ngaphandle kwengxenye encane, okungukuthi ama-ruble angu-20,000. Zonke ezinye izimali zokubeletha kufanele zifinyelelwe ngokuhlala okungezona ukheshi ngezinhloso ezithile.

UHulumeni weRussian Federation awuhlosile kuphela okuhlosiwe kodwa futhi umkhawulo wesikhashana ekusetshenzisweni kwemali yomndeni kusho - uzokwazi "ukusebenzisa lolu sizo lwezimali" kuphela emva kosuku lapho ingane yakho, ngenxa yokuzalwa isitifiketi ikhishwe, iyoba neminyaka emithathu ubudala . Phakathi naleso sikhathi, kukhona okunye okwehlukile okuvumela abazali abasha ukuba bachithe le mali ngaphambi kwesikhathi esibekiwe. Kulesi sihloko, sizokutshela nokuthi ungasebenzisa kanjani imali yakho yokubeletha ngaphambi kokuba ingane yakho ineminyaka engu-3 ubudala.

Kanjani kahle ukusebenzisa umthamo wabazali kuze kube mzuzu lapho ingane izoba neminyaka emithathu ubudala?

Okubalulekile, okuhlinzekela ukusetshenziswa komthamo womndeni ngaphambi kokubulawa kwengane iminyaka engama-3, uthumela imali ekhonjisiwe kwi-akhawunti yasebhange ukuze kubuyiselwe imali mboleko noma mboleko (kubandakanya imali yokubolekwa kwempahla), imvuthuluka yabazali ukuthenga indlu noma igumbi, nendlu yokuhlala.

Ezimweni ezinjalo, usizo lwezezimali lungasetshenziswa kokubili ukukhokha imali ebolekwe ngaphambilini, futhi njengesitatimende sokuqala sokuthola isikweletu esisha. Isamba sonke esinikezwa umndeni ngesitifiketi, noma ingxenye yaso, singathunyelwa ku-akhawunti yasebhange ukukhokha isibopho esiyinhloko futhi sithole isithakazelo kwi-mortgage noma enye imali ehlobene nokuthola izindlu. Kuyafaneleka ukuthi izinkokhelo nezinhlawulo azikwazi ukukhokhelwa ngalezi zimali.

Ngaphezu kwalokho, uma ingane yakho ibhekwa ngokomthetho njengengavumelekile, ungasebenzisa lezi zimali ukulungiselela izindlu zokuhlala ngokuhambisana nezidingo zabo. Ungenza lokhu ngaphandle kokulinda ingane ukuba yenze iminyaka emithathu.

Indlela yokusebenzisa imali yokubeletha emva kweminyaka emithathu?

Uma indodana yakho noma indodakazi yakho ineminyaka engu-3 ubudala, uhlu lwemigomo engenzeka yokusebenzisa isitifiketi somama luyokhula. Manje ungathumela lezi zimali ukuthenga noma ukwakha izindlu ngaphandle kokusebenzisa imali mboleko kanye nezikweletu, ukwandisa inani lempesheni yomama wakho wesikhathi esizayo, futhi ukhokhele ukufunda nokuhlala ehostele ngenzalo eyaba umfundi.

Kuzo zonke lezi zimo, lezi zintengiselwano nazo kuzodingeka zifinyeleleke ngokuhlelwa kwemali engekho.