Ngazi kanjani lonke inhlokodolobha womama nge-Internet - isinyathelo ngesinyathelo incazelo

inhlokodolobha nokubeletha - kuyinto ngesikhathi esifanele usizo lomphakathi ukuze imikhaya abasha nezingane ezincane. It has lilindele abazali, njengengxenye umndeni abanezingane ezimbili noma ngaphezulu. Lenza Ilungelo lokuthola ezifana wombuso aid iqinile e isitifiketi ethile. Kuyaziwa ukuthi lokhu abazali bhukulwazi angasebenzisa uma bebona kunesidingo ukuze kuzuze izingane zabo. Nokho, uhlelo has siqu usuku lokuphelelwa isikhathi yayo. Ngokusho idatha olusemqoka, kuba kusebenza kuze ekupheleni kukaDisemba 2016. Ngakho-ke, abazali abaningi namuhla abanesifiso sokwazi kanjani ukuthola lonke inhlokodolobha womama nge-Internet. Futhi ingabe kunengqondo ukukwenza ukude?

Indlela ukuthola ulwazi mayelana matkapitala ibhalansi: wokubala inthanethi

Ake sithi wena kanye nomndeni wakho babe abanikazi ojabulayo isitifiketi umndeni. Omunye izingane zakho isivele eminyakeni emithathu ubudala, futhi ezinye imali Imali ebekelwe ngumbuso, oye wachitha kakade. Okulandelayo kukhona izinhlelo ukusebenzisa esele izimali, kodwa awazi kahle nenani eliqondile ku-akhawunti.

Indlela ukuthola ibhalansi inhlokodolobha umzali Kulezo zimo? Inketho elula - ukusebenzisa isevisi, okuyinto lezi izibalo kufanele i wokubala inthanethi. Njengomthetho, lezi yokubala kukhona imenyu silula. It has amaphuzu 5-6, zaveza eminyakeni. Ukuze wenze izibalo ezidingekayo kukholamu efanele ukuze abonise lemali esiqondile imali oye wachitha ngonyaka othile. Ngokwesibonelo, ngo-2013, uke wasebenzisa isamba esingama-ruble angu-20 000.

Ngokulandelayo, ufaka inani iwindi kusukela ngonyaka 2013 bese uchofoze inkinobho ozinikele "Bala". Ukubala wenziwa kucatshangelwa amanani setha ngalowo nyaka. Khumbula ukuthi okwamanje kwaba ruble 408 960. Ngemva inkonzo kokuhlola ngeke inani 2014 - 429.409 ruble, futhi ngokobungako ibhalansi 2015 - 453 026 ruble. Bese kukhona umbuzo esizwakalako: "Kungasiphi isizathu ibhalansi yakho ninganciphi, kodwa yanyuka?".

Kungani inani idatha luyanda?

Ungacabangi ukwazi ukuthi lonke inhlokodolobha umzali? Izibalo etholwe ukukhulisa inani ezisalayo? Isizathu esikhulu salokhu anomaly iyona matkapitala indexation lemali. Okusho ukuthi, umthetho sihlinzekela indexation yaminyaka yonke imali kuze 2017. Ikakhulukazi, sikhuluma labo imindeni ukuthi esikhathini esithile isikhathi baye abangakayitholi isikhathi ukusebenzisa yonke imali kusukela enhlokodolobha umkhaya, futhi wachitha kuphela ingxenye encane yawo.

Ezimweni ezinjalo, minyaka yonke inhloko-dolobha ibhalansi isamba uzobe ngokobungako, futhi ngenxa yalokho, ukwandisa.

Ngazi kanjani lonke inhlokodolobha womama nge-Internet: isayithi kwemisebenzi yomphakathi

Indlela yesibili ukuthola ulwazi ezilinganisweni matkapitala is zisebenzisa izinsiza zikahulumeni iwebhusayithi. Ukuze uthumele isicelo ukuze uthole ulwazi mayelana ibhalansi esele ku-akhawunti yakho, kumele uvikelekile lokuqala idatha yabo ohlelweni, bese wenza lokhu okulandelayo:

• iya kuwebhusayithi kwemisebenzi yomphakathi;
• khetha "amasevisi Yomphakathi";
• phansi ngokuchofoza uhlu kuthebhu "wonke amasevisi (iminyango);
• ukhethe ithebhu "Ministry of Labour and Social nokuVikelwa Russian Federation";
• ukhethe ithebhu "Pension Fund";
• uchofoze isixhumanisi "Ukwazisa izakhamizi mayelana nokuhlinzekwa kosizo isimo kwezenhlalo efomini abezenhlalakahle ';
• chofoza inkinobho "Thola inkonzo."

Ngemva kwalokho uzobe uqondiswe ikhasi nge ifomu ekhethekile isicelo. Kufanele ufake ulwazi lwakho lokuxhumana, mayelana nodaba nezindlela ezintsha zokulungiselela impendulo isicelo (ngocingo, nge-imeyili, nge-imeyili). Kulokhu, impendulo ukhononda ukuthola esele womama dolobha nge-Internet, kuyoba zingakapheli izinsuku 15-30 emva kokwelashwa.

Indlela ukuthola ulwazi mayelana imeyli ibhalansi matkapitala?

Ngaphezu kwalokho ku-inthanethi ukuze uthole ulwazi mayelana ibhalansi ku-akhawunti yakho, ungakwazi ukuthumela. It wenza lo msebenzi uMbuso Sempesheni esibhalisiwe. Ngaphandle kwalokho, inqubo ukusatshalaliswa kolwazi senzeka kungakapheli ngowokuqala kuka Septhemba minyaka yonke. Kulesi ayibhalela isamba okusele ithunyelwa ebalulwe isicelo Ukukhishwa inhlokodolobha umzali noma ekhelini lendawo sokubhalisa.

Ubani Ungathola ulwazi mayelana nenani ezisalayo? Thola imininingwane mayelana okusele matkapitala izakhamuzi bayoba nelungelo lokhu okulandelayo:

• awukabi inzuzo okungenani ingxenye usizo esimweni;
• osevele zisebenzisa ingxenye izimali Kwenziwa irejista federal sabantu;
• lapho inani matkapitala Okusele ruble ezingaphezu kwezingu-30.

Ingatholakala kanjani idatha emayelana inani capital e Pension Fund?

Uma ufuna ukwazi ibhalansi inhlokodolobha umzali ngaphambi umnqamulajuqu eyasungulwa isimo, kuba njalo kungenzeka udaba SPC emphakathini. Ukuze isicelo esinjalo kudingeka ngokwenu isakhiwo isimo nge passport futhi isitifiketi original futhi ukubhala isitatimende ukunikezwa ulwazi ibhalansi ye-akhawunti. Noma isicelo oshiwo ngenhla ngesitifiketi futhi amakhophi wonke amakhasi abalulekile passport ingathunyelwa ngeposi.

Impendulo isicelo sakho, ungathola usizo-isitatimende, okuyinto etholakala izinsuku ezintathu phezu iphasiphothi.

Kungenzeka yini ukungena esizeni Zempesheni kanye ukuthola ulwazi mayelana lonke?

Naphezu semali ulwazi oluwusizo, abazali abaningi ungalahli ithemba ukubona lonke inhlokodolobha womama nge-Internet. Ingabe ungakwazi? Okwamanje ungene ngemvume kanye neye ukuthola ulwazi mayelana ibhalansi matkapitala engenakwenzeka. Lokhu kungenxa umthetho ukulondolozwa idatha yomuntu siqu abasebenzisi '.

Ingabe engishade naye noma omunye umndeni ukuthatha nebhalansi yesitatimende?

Izikhombo ku-akhawunti matkapitala bangathola umzali oyedwa kuphela, abake wabhala isicelo Ukukhishwa leli phepha ukuze bangabhekani. Thola usizo, futhi, ingabe kwakungenzeka kuphela iphasiphothi. Umlingani noma yisiphi isihlobo ukuthi umuntu uzokwazi ukuthola usizo kuphela uma amandla kwasayinwa lommeli. Kungenjalo, ulwazi lwe-akhawunti ibhalansi singanikezwanga.

Kungenzeka yini ukuba uthole ulwazi lemali ezisalayo kwelinye idolobha?

Omama abaningi banesithakazelo umbuzo kanjani ukubukela lonke inhlokodolobha umzali kwelinye idolobha. Ngokwesibonelo, uma isitifiketi sikhishwe eMoscow, futhi uhlala isikhathi e Volgograd. Kulokhu, bangathola ukwaziswa okunjalo. Kodwa kungakenzeki lokho, kunengqondo ukusebenzisa eMnyangweni Pension Fund lendawo ohlala futhi ukubhala isitatimende mayelana nesicelo ibhizinisi lakho ehhovisi lesiKhwama, lapho idokhumenti adalwe futhi isitifiketi-esikhipha amaphemithi. Okulandelayo Pension Fund kuzothumela isicelo komunye umzimba FIU.

Uma uzothola izenzo zakho ezivela eMoscow, ungabhala isicelo sokuthola isitifiketi Inani. Ngokolwazi wokulungiselela, ukudluliswa electronic ibhizinisi lakho kuzothatha cishe 1-2 amasonto.

Ukuthi kwesikhathi usuku isitifiketi imali eceliwe ibhalansi matkapitala?

Ngaphandle umbuzo kanjani ukuhlola ibhalansi womama dolobha, abazali abaningi banesithakazelo eqinisweni ngabe inkomba nalolu lwazi lwe eshalofini yokuphila.

Kususelwa imithetho, usuku lokuphelelwa yisikhathi ku inkomba ecelwe abazali izimali ku-akhawunti ibhalansi, akukho. Ngokwengxenye enkulu, lubalulekile ngesikhathi ukwelashwa kuphela. Ake sithi, ngemuva kokuthola bomnotho sinqume uchithe isikhathi esengeziwe imali. Ngenxa yalokho, inani elicacisiwe isitifiketi, ngeke zivumelana idatha langempela.

Ngingaba oda isitifiketi, isitatimende njalo esiphuthumayo?

Awuqinisekile ukuthi kanjani ukuthola ibhalansi inhlokodolobha umzali nge-Internet? Lonke ulwazi esinalo esihlokweni sethu. Ngaphezu inqubo isicelo ibhalansi ye-akhawunti matkapitala abantu abaningi banesithakazelo umbuzo mayelana nokuthola impendulo esiphuthumayo sicelo. Nokho, emcasulayo wonke umuntu, Ukukhishwa izitifiketi kwenziwe izinsuku ngaphambili kuka 2-3 emva kokwelashwa. Ngaphambili, ukuze uthole impendulo yesicelo sakho akunakwenzeka.

Ingabe kufanele ngingene khona kabili Pension Fund?

Abaningi bakholelwa ukuthi ngaphambi kokufaka isicelo ngesicelo ukusebenzisa inhlokodolobha umndeni sesikweletu (isibonelo, njengoba mortgage lokukhokhela isitolimende sokuqala) kudingeka ukuza Pension Fund kabili: okokuqala - ukubhala isitatimende mayelana matkapitala ibhalansi, bese - ukuthi afake isicelo ukusetshenziswa izimali njengoba inkokhelo phansi loan. Nokho, lokho akulona iqiniso.

Ngokwe-Pension Fund, ulwazi mayelana ibhalansi ku-akhawunti yakho isivele uhlelo Isikhwama futhi kohlelo isitifiketi siqu umamukeli. Ngakho uma unquma ukuchitha imali matkapitala esivuna mortgage, ungakwazi ukuxazulula le nkinga e ukuvakashelwa eyodwa nje. Kulokhu, ucele lemali esele akudingekile. Zonke amaphuzu ezinkulu ngokuphathelene nendlela esingazivikela ngayo ukufunda lonke womama dolobha nge-Internet ekulesi sihloko.

Ngingaba isicelo ibhalansi ngaphandle isitifiketi?

Kunezimo lapho kubalulekile ukuthatha isitifiketi sokulinganisela, futhi ophethwe abantu bhalisiwe ohlelweni akanayo isitifiketi. Isibonelo, lokhu kungenzeka uma umuntu obhalisiwe isivele uya ukuthenga impahla usebenzisa okuvota. Kulokhu, trustee nakho banelungelo lokufaka isicelo ulwazi ukulinganisela akhawunti egameni lakho.

Manje ngoba sewuyazi ukuthi ungakwazi ukuthola ibhalansi inhlokodolobha umzali nge-Internet noma cha.