Ngingayisebenzisa nini imali enkulu yokubeletha?

Ukubeletha, noma umndeni, inhloko yinye yezinyathelo ezibaluleke kakhulu zokusekela ngezimali emindenini enezingane eziseRussia Federation. Kungakhathaliseki ukuthi indawo yokuhlala yokuhlala yabanikazi, uma kwenzeka ukuzalwa kwengane yabo yesibili neyalandela, kusukela ngo-2007, ikhishwa isitifiketi sokulahla imali enkulu. Insizakalo efanayo yokusekelwa inikezwa labo bazali abamukela ingane yabo, okungenani babe nengane eyodwa.

Ngingakhipha nini imali enkulu yokubeletha?

Ubukhulu bomthamo womndeni bukhokhwa njalo ngonyaka futhi bunamar ruble angu-453,026 ngo-2016. Ukuthola ilungelo lokulahla imali enomthelela kangaka, abazali abaningi banesithakazelo lapho kungenzeka khona ukukhipha nokusebenzisa imali enkulu yokubeletha.

Eqinisweni, akunakwenzeka ukuthola le mali ngemali ngokuhambisana nomthetho, ngaphandle kwengxenye yayo encane engenani lama-ruble angu-20,000. Ngaphezu kwalokho, noma yikuphi ukuzama ukukhipha yonke imali eyinhloko yomndeni kungukuphula umthetho omkhulu futhi kungase kube yisisekelo sokushushiswa kobugebengu.

Ngingasebenzisa nini futhi ngisebenzisa kanjani imali yokubeletha?

Ingxenye eyinhloko yalesi silinganiso sokusekelwa kwezezimali ingaqondiswa kuphela ezinjongweni ezithile ezibekwe ngumthetho, futhi kuphela ngokuthunyelwa kwemali engekho imali. Ngaphezu kwalokho, kungenzeka ukusebenzisa isitifiketi semali yokubeletha njengomthetho jikelele uma ingane, ngenxa yokuzalwa noma ukutholwa kwayo eyakhishwa, iyoba neminyaka emithathu ubudala.

Kodwa-ke, kunezikhala ezimbili ezikuvumela ukuthi ulahle lesi simali semali kuze kube manje. Ngakho-ke, umndeni unelungelo lokuthumela izimali zesitifikedi somzali sokukhokhwa kwemali mboleko noma umboleko owenziwe ngenhloso yokuthenga noma ukwakha indlu, indlu noma ezinye izindawo zokuhlala.

Lokhu kungenzeka akunwe kuphela kulezo zindleko ezithathwe ngaphambi kokuba isitifiketi sitholwe, kodwa nakwabasha, lapho ukubhaliswa okungenani inani lemali yomndeni kubalwa njengokukhokha okuphansi. Kumele uqaphele ukuthi ukukhokha lesi samba kungaba nesithakazelo kuphela kumalimboleko nakwezinye izikweletu, futhi hhayi ukuhlawulwa nokuhlawuliswa.

Ngaphezu kwalokho, uma i-crumb ihlonishwa ngokusemthethweni njengekhutshaziwe, lezi zimali zingahlonyelwa igumbi noma indlu ngokuhambisana nezidingo zakhe aze abe neminyaka emithathu ubudala.

Ngakho-ke, zonke izimali zokubeletha noma ingxenye yazo zingasetshenziswa ngaphandle kokulinda umntwana ukuba afinyelele eminyakeni engama-3. Uma umntwana usukhule ngokwanele, le mali ingasetshenziselwa ezinye izinhloso, okungukuthi:

• ukwandisa impesheni yomama esizayo;
• ukuthenga izindlu zomndeni ukuze kuthuthukiswe izimo zokuphila ngaphandle kokuheha isikweletu;
• ukukhokha ukuqeqeshwa kwengane yakho ezikhungweni ezehlukene, kanye nokuhlala kwakhe ehostela ngesikhathi esifundweni sakhe.