Owesithathu akuyona into engafanele. Yini enikezwa ingane yesithathu?

Ukuzalwa kwengane emindenini eminingi kuyisenzakalo esamukelekile nesithokozile. Akukho lutho olungalinganisa le njabulo enkulu yokuzalwa komuntu omusha. Abazali balungiselela lo mhlangano. Futhi lapha kaningi kukhona umbuzo ongokwenyama, ngemuva kokudalwa kwemibandela yokuphila kwelungu elincane lomndeni libiza kakhulu. Ikakhulukazi iphathelene nemindeni lapho sekuvele khona izingane.

Abazali bayazi ukuthi isimo esiveza ukusekela imindeni enezingane, sikhokhela isabelo sesikhathi esisodwa sokuzalwa kwengane, senza izinkokhelo zenyanga njalo kuze kube nezinyanga ezingu-18 ubudala. Futhi emva komntwana wesibili, umama unelungelo lokuthola imali yokubeletha. Futhi kuthatha ukuthatha ingane yesithathu? Kulesi simo, abazali banethuba lokulindela izinkokhelo ezifanayo njengemva kwesibili. Inzuzo yesikhathi esisodwa izokhokhwa ngesikhathi sokuzalwa. Ngonyaka ka-2012, ubukhulu bayo yi-ruble angu-12 405 (enye isamba sesigodi sengeziwe ). Le nzuzo ingatholakala ngomzali noma kumuntu obafaka esikhundleni. Uma umama wesikhathi esizayo ephendukela kokubonisana kowesifazane ngesikhathi sokukhulelwa kokuqala (kuze kube amasonto ayishumi nambili), khona-ke unelungelo lokukhokha okunye okukhuthazayo - ama-ruble angu-465 anebhonasi yesigodi.

Umama kufanele azi ukuthi yini edingekayo kumntwana wesithathu , okwesibini, ukuthola i-capital capital. Inani elihle kakhulu (ama-ruble angu-387 640) lingasetshenziswa ngezinhloso ezithile - ukuqoqwa kwempesheni yomama, ekuxazululeni inkinga yezindlu, ekwakhiweni kwesikhathi esizayo.

Ngaphandle kokukhokha okukodwa, umndeni uzothola imali yokukhokhela inyanga zonke kuze kube yilapho umntwana eneminyaka engu-1.5 ubudala. Isamba esenza lesi sikhwama sifana namaphesenti angu-40 wemali engenayo yenyanga yenyanga yomzali. Ngendlela, lapha umndeni ungakhetha ukuthi ubani oyozuza kakhulu ukuhamba ukuze anakekele umama, ubaba, noma esinye isihlobo. Ngamunye wabo unelungelo lokwenza kanjalo.

Ukuhamba kwesikhathi, ingane yakho isivele ihambahamba futhi ihlekisa, futhi udinga ukwazi ukuthi inikezwa ingane yesithathu lapho ikhula. Uma ehambela inkulisa, omunye wabazali uzothola isinxephezelo sanyangazonke sokukhokhwa kwesondlo esikoleni. Ingane yesithathu ithola amaphesenti angamashumi ayisikhombisa.

Olunye ilungelo lomndeni luzovela kulomntwana onjalo. Inani lemholo lomunye wabazali, intela, lizoncishiswa ngama-ruble angu-3000 (futhi hhayi ngo-1400, njengemva kokuqala nesesibili). Leli lungelo livumelekile kuze kube isikhathi lapho imali engenayo yonke yonyaka ingadluli ama-ruble ayizinkulungwane ezimbili namashumi ayisishiyagalombili. Abazali bazokwazi ukuthatha umhlalaphansi ngonyaka ngaphambili, ngenxa yengane enjalo.

Ngemva kokubeletha ingane yesithathu, umndeni uba yisimo esisha futhi uba mkhulu. Ngokuhambisana nalokhu, uthola amalungelo namalungelo amaningi. Uma abazali benquma ukuthuthukisa izimo zezindlu zomndeni, bazokwazi ukusebenzisa lokho abanikeza ingane engane yesithathu: ukukhishwa kwemali esikhathini esiphezulu seminyaka engama-30, ukukhokha kokuqala kungenziwa emva kweminyaka emithathu nje kuphela, futhi uhulumeni uzokhokhela izinkokhelo zenyanga ngenyanga ngemali engu-75 Amaphesenti. Umndeni omkhulu unethuba lokukhokha izinsiza (igesi, amanzi, ugesi, ucingo) ngesaphulelo esingu-50%. Ngenxa yalesi kid, bonke abantwana bomndeni bayothola imithi ekhethiwe mahhala kuze kube yilapho beneminyaka engu-18. Yilokho abanikeza ingane yesithathu.

Ukubeletha kuwumsebenzi onesibopho nobunzima. Njengoba kunikezwe lokhu, umbuso uneza umzali ngamunye izinsuku ezinhlanu ukuya kwekhefu yonyaka wesithathu nengane ngayinye elandelayo. Izingane ezivela emndenini omkhulu zinenzuzo lapho zibhalisa ezikoleni zezingane zangaphambi kwesikole.

Yini enikezwa ingane yesithathu? Njengoba ungabona, okuningi. Futhi nokho, into esemqoka akuyona into eyenzela yona, kodwa lokho akunikezayo. Futhi lokhu kuyinjabulo engenakulinganiswa yokudala umuntu.