Ungayithola kanjani imali yokubeletha ngokheshi

Sekuyiminyaka eyisishiyagalombili uhlelo lwezwe lusebenza eRussia, ngaphakathi kohlaka olunikezwa usizo lwezezimali emindenini emisha. Imindeni enengane yesibili ingabamba iqhaza kulolu hlelo. Ake sibheke ukuthi ungayithola kanjani imali yokubeletha ngokheshi.

Njengengxenye yalolu hlelo, umndeni ojabulayo uthola isitifiketi sesamba, esanda minyaka yonke ngenxa yokwenyuka kwamandla emali. Phambilini, bekuyizinkulungwane ezingama-360, manje ilingana nezinkulungwane ezingama-450 (ngesikhathi sokubhala lokhu - 2015).

Ngokomthetho, umndeni ungasebenzisa imali ngezindlela eziningana. Ake sizicabangele ngokuningiliziwe.

1. Impilo engcono... Umndeni othole isitifiketi ungasisebenzisa ekwakheni noma ekuthengeni izindlu, ukukhokhela imali mboleko esheshayo.
2. Ukufundisa izingane... Umndeni onesitifiketi ungakhokhela imfundo yezingane ezikhungweni zemfundo zasekhaya. Lokhu kuhle, ngoba izindleko zemisebenzi yezemfundo azikwazi ukubizwa ngentando yeningi.
3. Ukwandisa impesheni exhaswe ngemali... Izimali zingabekwa esikhwameni sempesheni seRussian Federation sezwe elingelona elikahulumeni.
4. Izidingo zansuku zonke... Ngokomthetho, umndeni ngamunye onelungelo lokuthola imali yokubeletha ungakhipha ingxenye yemali yezidingo ababhekene nazo nsuku zonke. Isamba esiphezulu semali ekhishiwe asidluli ama-ruble ayizinkulungwane eziyi-12.

Ngithanda ukuqaphela ukuthi akunakwenzeka ukuthola usizo lukahulumeni ngokheshi. Umthetho awuhlinzeki ngamathuba anjalo. Ngale ndlela, umbuso uvikela izakhamizi enkohlisweni. Ilungelo losizo lwezezimali elivela kuhulumeni linikezwa kanye. Ngalesi sizathu, cabanga phambili ngokuthi ungayiphatha kanjani imali yakho.

Uyisebenzisa kanjani imali yokubeletha ukuthenga ikhaya

Kuyinkinga emndenini osemncane onezingane ukuthenga izindlu. Ngenhlanhla, imali yokubeletha iyasiza. Imali enikezwe ngumbuso ivunyelwe ukusetshenziswa ekuthengeni noma ekwakhiweni kwezindlu zokuhlala.

Uma ngesikhathi sokuzalwa kwengane yesibili umndeni unesibambiso, ingxenye yawo ivunyelwe ukukhokha imali yokubeletha. Thinta isikhungo sekhredithi ngesitifiketi kanye nesicelo. Abamele isikhwama sempesheni bazocela uchungechunge lwemibhalo yasebhange eqinisekisa imali mboleko kanye nemali esele esele. Kuphela ngemuva kokunikezwa kwamasheya lapho izimali zizodluliselwa kumboleki.

Imali yokubelethisa yinhloko yemindeni. Ngakho-ke, uma usebenzisa imali, kuzofanele ukhiphe amasheya endaweni ethengiwe yezingane. Umthetho awunqumi ubukhulu bamasheya, ngakho-ke angaba ngumfanekiso.

Ukuthola imali yokubambisa, ngaphezu kwemibhalo, kudingeka isitifiketi esiqinisekisa ilungelo lokuthola usizo lombuso. Ungakhohlwa ukuthi uma ngalesi sikhathi usebenzise noma ingxenye encane yezimali, ngeke ukwazi ukusebenzisa isitifiketi ngesikhathi sokuthola imali mboleko, ngoba ibhange lizokwenqaba ukubolekwa imali.

Ibhange lizohlaziya umholo womndeni, linqume inani lemalimboleko nezinga lenzalo. Izimali eziyinhloko zizofakwa kwizikhwama zesikweletu. Khumbula, isitifiketi akuyona imali, sikuvumela ukuthi usisebenzise. Isikhwama sizozibhala ngemuva kokubhaliswa kwezindlu.

Uma uthatha isinqumo sokusebenzisa usizo lukahulumeni ukukhokha isitolimende sokuqala, kuzofanele uthole imali mboleko emibili ebhange. Sikhuluma ngezimali ezibolekiwe, ezibalwa ngokususelwa esikhathini semalimboleko kanye nenani lomnikelo. Imalimboleko izowela emahlombe akho, inani lakhona elihambisana nosayizi wedolobha lokubeletha. Kuze kube yilapho abameleli besikhwama sempesheni beyikhokha imalimboleko, kuyodingeka bakhokhe inzalo.

Amabhange angena ezivumelwaneni zemalimboleko ngomnikelo okhokhwa ngezimali eziyinhloko, ngamazinga enzalo akhuphukile. Ngenxa yalokhu, izimali eziyimali ezisetshenziswayo zisetshenziselwa ukukhokha inzalo ekhuphukile. Kungcono ukhokhe isitolimende ngemali yakho, bese ukhokha ingxenye yemalimboleko ngesitifiketi.

Ungasifaka kanjani isicelo semali yokubeletha yengane yesibili

Imali yokubelethisa iyithuluzi elisebenza kahle kakhulu lokuxhasa ngokwezinto ezibonakalayo imindeni esetshenziswa yiziphathimandla zaseRussia. Ukukhishwa kwalolu hlobo losizo lombuso kwenziwa endaweni yezwe ngokwemithetho esungulwe ngumthetho.

Kuyaphawuleka ukuthi akunakwenzeka ukukhipha imali kwi-akhawunti yasebhange. Izindleko zenziwa ngendlela engeyona imali ngesisekelo sezivumelwano eziphothuliwe. Lokhu kusho ukuthi umndeni ngeke ukwazi ukusebenzisa imali yokubeletha ngezinye izinjongo. Ngesikhathi esifanayo, umama angathola ikhefu lokubeletha nobaba.

Umndeni ngamunye waseRussia ungathola isitifiketi esifakiwe uma befeza imibandela. Phakathi kwazo:

1. Ukuvela kwengane emndenini ngemuva kokwethulwa kohlelo.
2. Umndeni awulutholanga usizo lukahulumeni.
3. Abazali noma abantu abathathe ingane ayinacala lokutholwa ngamacala enziwa ezinganeni.
4. Abazali - izakhamuzi Russia.

Imali yemali yokubeletha ihlelwe ngezikhathi ezithile. Ngesikhathi uhulumeni ethula lolu hlelo, inani losizo laliyizinkulungwane ezingama-250. Manje sekuphindwe kabili. Ngenxa yalokhu, umndeni uthola ukufinyelela enanini elikhulu lemali elisiza ukuthuthukisa impilo noma ukufundisa ingane.

Isisekelo sokuthola izinkokhelo ukuvela kwengane yesibili emndenini. Ngizokutshela ukuthi ngubani ofaka isicelo sezinkokhelo nokuthi wenzeni ngalokhu.

• Abesifazane abazele noma abathola ingane yesibili abangazange baluthole usizo lukahulumeni phambilini.
• Abesilisa ngabazali noma ngabazali bokutholwa bengane yesibili abebengenaso isikhathi sokusebenzisa ilungelo labo lokuthola isitifiketi.
• Uhlobo losizo lukahulumeni luyatholakala nakubantu abathole amalungelo obuzali, ngokwesibonelo, uma umama wengane eshonile, elahlekelwe amalungelo obuzali noma enze ubugebengu.

Ukuze uthole isitifiketi, bheka isikhwama sempesheni kanye nesicelo, ipasipoti, isitifiketi sokuzalwa kwengane kanye nencwadi eqinisekisa ubuzwe. Ngenyanga, vakashela igatsha le-PF futhi bese uthola isitifiketi bese uvula i-akhawunti ebhange eligunyaziwe. Uma ufeza imibandela futhi ufunde ukonga imali, thuthukisa izimo zakho zokuphila.

Imali yokubelethisa yokwakha indlu ngokwabo

Imali yokubeletha imele usizo lukahulumeni lwezezimali. Usiza umndeni osemncane onezingane ukuthuthukisa ikhwalithi yempilo nokuqinisekisa impilo enhle.

Ukutshala imali ekwakhiweni kwekotishi elincane noma indlu yangasese kungenye yezindlela zokwaba inzuzo.

1. Kuvunyelwe ukusabalalisa nokukhipha izimali ezinzuzweni zombuso kuphela ngemuva kokuthi ingane ifinyelele eminyakeni emithathu. Ngemuva kwalokho ungasebenzisa imali ekuthengeni umhlaba nezinto zokwakha, ekulungiseleleni isiza sokwakha.
2. Uma uqale ukwakha indlu ngemuva kokusebenza komthetho, kepha ngaphambi kokufaka isicelo sezinzuzo, imali etholakele ingakhokhela izindleko. Imali yokubeletha ingasetshenziselwa ukukhipha izindleko zakuqala.
3. Ngincoma ukuthi ufunde ngokucophelela imigomo yokuthengiselana, ngoba abakhohlisi abanikela ngemali abayikalali. Izenzo ezinjalo zivinjelwe ngumthetho futhi ziyajeziswa.
4. Uma uqala ukwakha ngemuva kokuthi ingane ifinyelele eminyakeni ebekiwe ngenhla, futhi uzochitha imali ezindlekweni zokwakha, qiniseka ukuthi ubheka izinto ezithile.
5. Imali enikezwe yisikhwama idluliselwa ku-akhawunti yasebhange ngezigaba. Ingxenye yokuqala yamukelwa ngaphezulu kwamasonto ambalwa, kuthi ingxenye yesibili ikhokhiswe ngemuva kwezinyanga eziyisithupha. Lesi sikhathi sanele ukwakha isisekelo ngezindonga nophahla.
6. Ngemuva kwalokho thumela imibhalo kuziphathimandla ezifanele. Ngemuva kokucatshangelwa kwayo, abamele isikhwama bazothatha isinqumo ngokukhishwa kwemali esele yokwakha. Uma impendulo igculisa, qhubeka nezinkokhelo ozitholile.
7. Okokuqala, dweba isicelo sokusatshalaliswa kwemali yokubeletha. Impumelelo yomcimbi incike embhalweni.
8. Nikeza ikhophi yedokhumenti eqinisekisa ubunikazi besiza lapho ukwakhiwa kwenzelwa khona i-ejensi kahulumeni. Uzodinga futhi imvume evela ezinsizakalweni zomsebenzi wokwakha.

Ngizamile ukwethula imininingwane ngokunemba ngangokunokwenzeka. Ngeke kulimaze ukuxhumana nesazi mayelana nokwenza imibhalo ngendlela efanele kanye nesikhathi sezenzo. Ngokuvamile, inqubo yinde, kepha umphumela uyifanele.

Izindaba zakamuva ngezimali zokubeletha

Sengiphetha, ngizokwabelana ngezindaba ezimnandi maqondana nemali yokubeletha. Idiphozi iyindlela elula yokwengeza imali.

Amasekela ombuso uDuma acubungula umthethosivivinywa owenzelwe ukwandisa ukusetshenziswa kwezinkokhelo zombuso. Elinye lala maphuzu lihlinzeka ngokusetshenziswa kwemali evela emalini yokubeletha ukuvula idiphozi yasebhange. Ngenxa yalokhu, umndeni ofanele isitifiketi uzokwazi ukuthola inzalo.

Ezinhlanganweni zamabhange, zizokwakha inqubo egxile ekusebenzeni ngemali yokubeletha, umongo wayo ukuthobela imithetho. Imithetho izonquma inani lenzalo, isikhathi sesivumelwano sediphozi kanye nenqubo yokuhoxisa izinzuzo.

Ababhali balo mthethosivivinywa bakholelwa ukuthi le ndlela inciphisa inani lamacala lapho izakhamizi zikhipha imali yokubeletha ngokungemthetho. Izinsizakalo ezinjalo zihlinzekwa ngabakhwabanisi abafuna ukuthatha imali.

Namuhla, usizo lukahulumeni luvunyelwe ukusetshenziselwa izidingo ezithile: ukwenza ngcono impilo, ukufundisa izingane, ukuqongelela impesheni. Akuwona wonke umndeni ophumelelayo odinga ukukhokhela imfundo noma ukuthuthukisa izimpilo zawo, futhi wonke umuntu udinga imali ngezidingo zansuku zonke. Izinzuzo ezitholwe kwidiphozi zizoxazulula inkinga kancane. Abantu bazokwazi ukuthenga izimpahla, baqaphe impilo yabo futhi baphumule.

Ngabelane ngolwazi mayelana nokuthola imali yokubeletha ngokheshi. Uma unengane noma uhlela ukuba nayo, imininingwane izosiza. Ngikufisela inhlanhla!

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