Ikhansela inhlokodolobha umzali. Lapho ukuhlehlisa womama dolobha?

Emuva ngo-2007, izinyathelo juqu athathwa nguhulumeni wezwe lakithi ukwandisa izinga lokuzalwa kuleli zwe ukuze sithuthukise isimo yezibalo. Sikhuluma inhlokodolobha womama. Ngempela, imikhaya eminingi iye yathola ukwesekwa real wezimali kusuka isimo. Namuhla, isihloko kujwayele ukubuzwa lapho inhloko-dolobha umzali izokhanselwa. Amahlebezi mayelana nalo mcimbi kuseyimpikiswano, kodwa abanikazi isitifiketi ozama ukusebenzisa izimali ngokushesha ngangokunokwenzeka. Kodwa udinga ukuqala ukuqonda isimo samanje, kunalokho, kufanele kuphawulwe ukuthi ngenkathi okutholakele ekuseni, ngoba iningi ukhulume - alinalutho, inhlebo kwamehlisa.

Ukuze abanikazi isitifiketi

Uma ilungelo womama dolobha isivele wathola, okungukuthi, isitifiketi vele khishwa ke asikho isizathu sokukhathazeka okwamanje. Ingasetshenziselwa ngemva konyaka, ngisho nalapho kukhanselwe dolobha womama njengoba uhlelo uhulumeni. Phela, ukuze uqaphele le ukuqhutshwa kungaba kuka lapho ingane eneminyaka emithathu. Kodwa nje uma, uma umndeni engakhokhi a mortgage noma yesibonelelo sikahulumeni kuchaza ungasebenzisa ngokushesha.

Zonke ezinye izimo ukuqaliswa isitifiketi akukashintshi. Namanje-ke kusho ukuthi ungakwazi kuphela bachithe ukuthenga (ukwakhiwa) izindlu, imfundo yezingane, noma ubuyise ingxenye uxhaso zomsebenzi impesheni umama.

Namuhla, omningi imikhaya ebekelwa yokuhlala, ngakho imali yomphakathi futhi ngeke ubambe isitifiketi kuze izikhathi ezingcono. Kodwa ngesikhathi esifanayo ngikhathazekile ngokuthi uma ukukhipha umzali dolobha, bese belahlekelwa ilungelo lokubeka ukwesekwa. Uma nje asikho isidingo sokuba netwetwe.

Uma isitifiketi akakabi, kodwa umntwana wakhe esezelwe

Esikhathini samanje 2016 izitifiketi zikhishwa emindenini lapho kwakukhona ingane yesibili noma amawele. kodwa akukho okushintshile kule nomthetho, ngakho-ke kungenzeka futhi kunesidingo sokuba kukhishwe isitifiketi uma kulungile ukwenza.

Eqinisweni, kusukela ngonyaka odlule kwaba namahemuhemu ukuthi izikhulu ukuphakamisa yokuqeda womama dolobha ukulondoloza isabelomali ngenxa crisis. Kodwa ngo-2016 izitifiketi empeleni ekhishwe, kodwa inani isimo uma kuqhathaniswa nonyaka odlule ayikashintshi, ngoba lenziwe inkomba.

amahemuhemu kwakamuva mayelana womama inhlokodolobha

Ekuqaleni, usuku beqeda Uhlelo wayaziwa - December 31, 2016. Kodwa uma inhlokodolobha umzali kukhanselwe nalapho ncamashi ayikaziwa. Uma kungekho izinqumo ezintsha ku ingxenye kahulumeni ngeke emukelwe, kubalulekile ukuba banamathele umnqamulajuqu.

Ngempela, le Duma State hhayi kanye waphakamisa impikiswano ukwelulwa isimo hlelo, futhi okubaluleke - ekushintsheni nemibandela ukuqaliswa izimali. Kodwa lezi baxoxisana nje. Yini e ukuphela kuyofika uhulumeni Kunzima ukusho.

Kodwa ezweni lethu, ukhuluma ngani ukuqedwa inhlokodolobha umzali bengayeki phakathi kwabantu. Bathi eziningi, abanye bakholelwa ukuthi ekupheleni kohlelo isinyathelo izosebenzisa imali ayikwazi, abanye bakholelwa ukuthi zokukhokha kuyokwenziwa enwetshiwe. Hhayi lapho elibiza ukuba bakholwe inhlebo okungenasisekelo. Lapho umthetho samukelwa, bese kuphela ke sizokwazi sifika eziphethweni ezithile.

Ukuqagela namahemuhemu

Njengoba ukwesulwa inhlokodolobha umzali uye wabangela eziningi izingxoxo ezahlukene, namuhla ungezwa imibono elandelayo abakhileyo ezweni lakithi:

1. Esikhathini esizayo, abahlanganyeli Uhlelo kuyoba kuphela emindenini lephuyile, okusho kumasegmenti neediest sabantu.
2. izindlela eqondile inhlokodolobha umzali kuyoba ingxenye uxhaso yempesheni akuyona kuphela umama kodwa ubaba.
3. usizo lwezezimali kumele inikezwe hhayi kuphela ngesikhathi sokuzalwa sengane yesibili, kodwa futhi zonke izingane okwalandela emkhayeni.
4. Izindlela ukusebenzisa izimali kuyoba wehlukile, okungukuthi, ukuthumela imali kungaba hhayi kuphela ekutholeni izindlu, kwimfundo kwezingane noma omama umhlalaphansi.

Kodwa umongameli wezwe lakithi yini kudala wazwakalisa isikhundla ukuthi ukuqedwa inhlokodolobha umzali kuzoholela ukuvela ezinye izilinganiso ababasekelayo lalolo futhi akukho okunye. Esikhathini Duma State ukubeka phambili iziphakamiso eziningi, kodwa akukho izinqumo ukhonkolo okwamanje.

Chitha imali manje noma kufanele ulinde

Abaningi omama abasebasha e isidumo, uma udinga ukusebenzisa manje inhlokodolobha umzali noma ungakwazi ulinde isikhashana eside. Uma dolobha kamama kukhanselwe, akusho ukuthi izimali izolahleka, hhayi nje ayeke elikhiphe izitifiketi ngemva kwesikhathi zohlelo isimo.

Kweminye imindeni, asikho isidingo ukuchitha imali manje, kodwa esikhathini esizayo ngeke banethuba eliyingqayizivele ukukhokhela emfundweni yezingane, okuyinto impela ithemba ezilingayo. Kodwa eminyakeni isimo kuleli zwe Ungashintsha kakhulu, okungukuthi, kungenzeka ukuthi, ngokwesibonelo, silindele okuzenzakalelayo, ihlelo of the ruble, ukukhula wenzuzo okuningi. Ngakho, sonke siqonde ukuthi kungenzeka imali kuze kube manje kube kahle.

Ngokuvamile, kunzima ukunquma zesinyathelo okufanele basithathe manje, ngoba kungekho mpendulo eqondile yalo mbuzo othi: lapho kuzokhansela inhlokodolobha womama nokuthi kuyoba isitifiketi - akukho. Kungase kungabi kuwufanele isikhashana asheshise ukulinda kuze kube isimo siba sobala, futhi kuphela ke ukuthatha izinyathelo ezinqala.

Yini izikhulu uthi

Kunezindlela zimo ezimbalwa ukuthi izikhulu baxoxisana namuhla.

Kuze kube manje, isimo lokubala ubuningi babantu ezweni uhlaliseke, ngokulandelana, uhlelo umsebenzi azenzile futhi akunandaba mqondo ukuze uqhubeke.

Sidinga ukunweba uhlelo ngaphambi umnqamulajuqu nje umcabango we umndeni inqubomgomo waseRussia, okungukuthi, kuze 2025.

Kuyadingeka ukwenza uhlelo kuzo ukusekelwa ngezinto ezibonakalayo ngemindeni nezingane ezimbili noma ngaphezulu obuphakade, kodwa ambalwa imibono enjalo.

Kungani-dolobha womama lingahoxisa

Kunezizathu eziningana zokuthi kungani khansela inhlokodolobha womama. Yini okumele uyilindele bobani ophuthuma kakhulu - ayaziwa, kodwa kuyacaca ukuthi isandiso zohlelo kuphazamise inhlekelele yembulunga yonke. Kuyinto imfihlo ukuthi ezweni lethu okwamanje kwesabelo sezimali, okuyinto nzima ekukhokhweni izitifiketi.

Isizathu sesibili ezibalulekile uma kwesulwa inhlokodolobha umzali njengoba zokweseka isimo - isenzo imikhonyovu. Phela, uhlelo target, bese besebenzisa imali uma bebona kunesidingo bengayi, kodwa abaningi iphumelele. Nakuba uma ndlela ukusetshenziswa isitifiketi kungaba ngaphezulu izenzo enjalo beyizoba ngezinye izikhathi kancane.

Kodwa kumelwe ngivume ukuthi isimo zokweseka bill kufanele uchitshiyelwe. Nalokhu futhi, akushilo ngokuphindaphindiwe. Kuzobakhona ukwesulwa inhlokodolobha umzali noma cha, izinguquko eziphawulekayo izimo kuyoba esikhathini esizayo esiseduze.

imiphumela yokukhansela

Kunoma ikuphi, usizo lwezimali emindenini zizonikezwa, kodwa akusho lokho ngempela lolu hlelo kuyoba enhlokodolobha umzali. imindeni amaningi esaba ukuthi ekupheleni kohlelo ngeke ukwazi ukuthola ukuxhaswa okuvela embusweni, kodwa kwaba nhlanga zimuka nomoya. Mhlawumbe, kunalokho, uma ukukhipha womama dolobha, bese unika amandla i-State zokubasiza impahla ngesimo izibonelelo, nezinzuzo kanye nemixhaso.

Ngakolunye uhlangothi, kungenzeka ukuthi ephansi ezingeni wenzalo kuleli zwe, nakuba akuyona Empeleni. Ngakolunye uhlangothi, ezingeni zabantu abavamile ukuqedwa womama dolobha angeke kubonakala. Impendulo ingu-cha futhi ngeke kuze kube yilapho okungenani ekupheleni konyaka lo.

isiphetho

Namuhla, ngo web ungathola izibikezelo ayizinkulungwane ngale ndaba, futhi ngamunye kubo zisekelwe kuphela hunches, akukho lwazi olusemthethweni iyatholakala. Naphezu kweqiniso lokuthi Ministry of bebaphikisana ngani nesidingo yokuqeda dolobha womama, isenzo zomthetho ayisayindiwe, Ngakho-ke, kungaba kuphela ulinde.

Namuhla, imikhaya bangathola nekusebentisa esebenzisa inhlokodolobha umzali ngokuhambisana nomthetho ofanele. Uma esiphuthumayo izimali nje umkhaya awukwazi, ungakwazi ukulinda. Kunoma yikuphi, uma uhulumeni wethu enquma yokuqeda uhlelo uhulumeni, noma limise izinkokhelo, izakhamuzi ngabe akukho abangakwenza ngaphandle ukwenza ngaphakathi komthetho.

Amahlebezi - ukuthi asikho isizathu ukunqotshwa isilingo imali isitifiketi futhi bazibandakanye izikimu zokukhwabanisa, ngoba ngaleso sikhathi kufanele bajeza ngezenzo zabo.