Ungayithola kanjani imalimboleko yokubolekwa kwempahla yemali yokubeletha
Isimo emakethe yezindlu sinokuthi cishe akunakwenzeka ngomuntu onemali emaphakathi ukuba abe ngumnikazi wefulethi lakhe. Kepha imindeni enezingane ingathola usizo kuhulumeni ukwenza ngcono izimo zabo zokuphila.
Lapho kuvela ingane yesibili emndenini, uhulumeni wabela imali engasetshenziswa ekufundiseni izingane, impesheni kamama noma ukuthengwa kwezindlu - okubizwa ngokuthi yinhloko-dolobha yomama (umndeni). Usebenzisa lezi zimali, ungasebenzisa olunye lwezinhlelo ezikhethekile zokubambisa ngempahla ezinikezwa ngamabhange. Ungasithola kanjani isikweletu semalimboleko yokuthenga ngempahla yokubeletha?
Ukuthola imali ebolekiswayo engaphansi kwemali yokubeletha
Umamukeli wemali yokubeletha ukhetha ibhange elinikezela ngohlelo olufanayo lokubolekwa kwemali mboleko bese efaka isicelo semalimboleko, enamathisela isitifiketi esicelweni sokuthola inhloko-dolobha yomndeni ekweletwayo.
Abasebenzi basebhange bazonquma inani lemali mboleko ebekiwe futhi babeke ngamunye inani lenzalo ngokususelwa ekuqinisekisweni kwamazisi athunyelwe kanye nokuxazululwa kwalowo obolekayo kanye nalabo ababolekana nabo. Inani eliphakeme lemali mboleko elingalinganiselwa, elilinganiselwe ngokususelwa ezingeni lemali engenayo yomndeni, inani lemali yokubeletha liyangezwa, okuthi ngo-2017-2018 kungama-ruble ayizinkulungwane ezingama-480.
Obolekayo uthola imali ebolekiwe ezingxenyeni ezimbili. Oyedwa - ecabangela inzalo eqongelelwe ngezinga elibekwe yibhange, ukhokha ngokuzimela esebenzisa izindleko zakhe, azithola ngokwakha umsebenzi enkampanini, bese kuthi owesibili - ngenani lemali eyinkunzi, akhokhelwe yiPension Fund, obolekayo akhokhe inzalo yokusebenzisa le ngxenye yesikweletu ngokuzimela ngezinga lokuxhaswa kabusha kweBhange Elikhulu LaseRussia, kodwa ngaphambi kokutholwa kwezimali zemali yokubeletha ebhange.
Imali okufanele ikhokhwe ngokwesitifiketi idluliselwa ngqo kwi-akhawunti yasebhange lapho isivumelwano semalimboleko siphothulwa khona, kuphela ngemuva kokubhaliswa kwezindlu ezithengwe ngempahla ebanjisiwe, kubunikazi besabelo esivamile somamukeli wenhlokodolobha nezingane zakhe.
Ngalolu hlelo, ibhange lenyusa inani lemalimboleko eligunyaziwe ngenani lemali, okwandisa amathuba okuthola indawo yokuhlala esezingeni elifanele, noma ngabe imali ebolekayo ingekho ngokwanele.
Ukukhokhelwa okuncane kokubanjiswa kwemali ngemali yenhloko yabazali
Lapho isivumelwano sesibambiso siphothulwa ngaphambi kokuba ingane yesibili ivele emndenini, ngokushesha nje emva kokuzalwa noma kokutholwa kwakhe, umndeni ungasebenzisa lezi zimali ukukhokha imalimboleko.
Kuze kube muva nje, bekungenakwenzeka ukusebenzisa imali yokubeletha kuze kube yilapho ingane yesibili ifinyelela eminyakeni engu-3, kepha manje, uma kunezibopho zemalimboleko yempahla ebanjiswayo, ingasetshenziswa ngokushesha. Kwanele ukuthola isitifiketi kuwebhusayithi ye-ejensi eqinisekisa ilungelo lenhlokodolobha yokubeletha (yomndeni). Ngemuva kwalokho idokhumenti kufanele yethulwe ebhange elibolekayo, ngasikhathi sinye ugcwalise isicelo sokukhokhwa kwemali esiKhwameni sePensheni bese unikeza isivumelwano esivumelekile sokubambisa ngempahla lapho. Esikhathini esinqunyiwe esisungulwe ngumthetho, isicelo sizobhekwa futhi iSikhwama seMpesheni sizodlulisela imali ebhange ukuze kukhokhwe izibopho ezingaphansi kwesivumelwano sokubambisa ngempahla.
Kunemikhawulo ethile lapho ukhokha isikweletu somboleki ebhange:
- Impahla yokuhlala ethengwe ngempahla ebanjiswe endaweni yeRussian Federation;
- Isivumelwano semalimboleko sisho ngokusobala inhloso yokubolekisa - "ngokuthengwa kwezakhiwo zokuhlala kuleli kheli ..." okukhombisa indawo efulethini noma indlu;
- Izindlu ezithengwe kubambiso zibhaliswe kubunikazi obabiwe bomamukeli, izingane namanye amalungu omndeni;
- Obolekayo noma obolekane naye ngaphansi kwesivumelwano semali mboleko empeleni ngumamukeli wemali yokubeletha noma umuntu oshade naye ngokusemthethweni;
- Izimali zezimali zokubeletha zingasetshenziswa kuphela ukukhokha ingxenye enkulu yesikweletu nenzalo enqwabelene. Obolekayo kuzodingeka akhokhe inhlawulo, izinhlawulo kanye namakhomishini eyedwa.
Ibhalansi yesikweletu semalimboleko, ngemuva kokukhokhelwa kwengxenye yayo yinhloko-dolobha yomzali, ikhonjelwe ekuhlelweni kabusha - inani lokukhokha nyangazonke lizokwehla, nesikhathi sokubuyiselwa kwemali sizohlala singashintshiwe. Kuzoba nezimali zamahhala zokuthenga izingubo zemfashini noma izinto zasendlini: ama-teapots, ama-toaster.
Ukwenza umnikelo wokuqala ngemali yokubeletha
Ngaphandle kwemali yakho oyongile yokwenza inkokhelo yokuqala, ungathola imali ebanjiswayo, uma unesitifiketi. Ibhange lingavumela obolekiwe ukuthi angakhokhi ngokuzimela inkokhelo yokuqala ngaphambi kokukhishwa kwemali mboleko, kepha mane ulinde kuze kube yilapho iSikhwama seMpesheni sidlulisela imali ukuyikhokhela. Umnikelo okungenani u-10% wezindleko zezindlu ezithengiwe. Ubukhulu bemalimboleko uqobo buxhomeke ekuxazululeni komboleki.