Ungayithola futhi uyisebenzise kanjani imali yokubeletha ukwakha indlu ngokwakho: uhlu lwamadokhumenti + imiyalo yesinyathelo ngesinyathelo yokusebenzisa i-capital mat
Sawubona, bafundi abathandekayo be-Ideas for Life! Namuhla sizokhuluma ngokuthi singayisebenzisa kanjani imali yokubeletha ekwakheni indlu, kuziphi izimo lapho kungenzeka khona, futhi yini edingekayo ukuthola usizo kuhulumeni?
Ngendlela, ubonile ukuthi idola selivele lingakanani? Qala ukwenza imali ngomehluko wamanani wokushintshana lapha!
ERussia, imindeni abasha bangathola okuthiwa inhlokodolobha yomama... Banelungelo lokusebenzisa imali abayabelwe ukuze thuthukisa izimo zakho zokuphila... Ngale mali, ungakhokhela izindleko zokwakha indawo yokuhlala.
Ukufeza lokhu, Kubalulekile ukwaziungayithola kanjani imali yokubeletha yokwakha indlu, kanye nama-nuances amakhulu ale nqubo.
Mayelana nokusetshenziswa kwemali yokubeletha yokwakha indlu, okungukuthi, indlela yokusebenzisa (ukusebenzisa) nokuthi ungayithola kanjani imali yokubeletha ukwakha indlu ngokwakho - funda lokhu okubhaliwe
1. Kungenzeka yini ukusebenzisa (ukuchitha) imali yokubeletha ukwakha indlu ngo-2020 💸
KUSUKA 2010 iminyaka, imindeni emincane eRussia enezingane eziyi-1 noma ngaphezulu inethuba lokusebenzisa lokho okuthiwa isitifiketi sokubeletha sokwakhiwa kwesakhiwo sokuhlala.
Ungasichithela kuphi isitifiketi sakho sokubeletha
Kufanele kuqondwe: imali eyabiwe ingasetshenziswa kuphela ekwakheni. Kulokhu, kuzodingeka uthenge isiza somhlaba ngemali yakho.
Ngaphambi kokuqala ukwakhiwa kwendlu yemali yokubeletha, abazali kudingeka baxhumane Isikhwama sempesheni... Udinga ukukhetha igatsha elisendaweni yokubhalisa.
Kulokhu, kufanele ulinde kuze kube yilapho ingane iphenduka 3 iminyaka... Kodwa-ke, ochwepheshe bayeluleka ukuthi bahambise amadokhumenti kusengaphambili - nini mayelana 30 izinsuku... Lesi yisikhathi esizothatha ukubheka nokwenza isinqumo.
2. Ungayisebenzisa kanjani imali yokubeletha ukwakha indlu ngokwakho - uhlu lwamadokhumenti + nemiyalo yokuthi ungayakha kanjani indlu enhlokodolobha yokubeletha 📝
Uma uthatha isinqumo sokusebenzisa i-mat capital ukwakha indlu bebodwa, lapho-ke udinga ukulandela inqubo elandelayo.
Isinyathelo 1. Ukuthengwa nokubhaliswa kwesiza kubunikazi
Ngaphambi kokubhalisa inhlokodolobha yokwakhiwa kwendlu, udinga ukuqonda ukuthi indawo okuhlelwe ukuthi kwakhiwe kuyo izindlu kumele ibe ngeyomnikazi wesitifiketi sokubeletha (noma owakwakhe).
Ukubhaliswa kwesiza somnikazi kungenziwa ngalezi zindlela ezilandelayo:
- Thenga isiza somhlaba;
- Bhalisa ilungelo lefa;
- Dweba isivumelwano sempesheni.
Kubalulekile ukukhumbula! Izimali zokuxhasa zombuso zithunyelwa kuphela uma kwenzeka kwenziwa ngcono izimo zezindlu.
Isinyathelo 2. Khetha inkampani yokwakha
Uma uhlela ukuzakhela izindlu ngokwakho, khona-ke ungeqa lesi sinyathelo.
Kepha uma uheha inkampani yokwakha, ukukhetha kufanele kuthathwe ngokucophelela.
Lapho ukhetha inkampani, udinga ukubheka:
- Inani lomsebenzi owenziwayo (izindlu ezakhiwe, njll.);
- Isikhathi sokuba khona emakethe yokwakha;
- Ukubuyekezwa kwamakhasimende.
Kubalulekile ukwazi! Ngaphambi kokuphothula inkontileka nenkampani yezokwakha, udinga ukuyazisa ukuthi uzoheha imali yokubeletha lapho ubala.
Akuzona zonke izinkampani ezizimele ezisebenza ngaphansi kwalolu hlelo lokuhlala.
Isinyathelo 3. Qoqa amadokhumenti bese ufaka isicelo esikhwameni sempesheni seRussia Federation
Ngaphambi kokuqala ukwakhiwa ngemali yesitifiketi sokubeletha, kuzofanela ulungiselele iphakethe elithile lamadokhumenti.
Imibhalo edingekayo ifaka phakathi:
- umazisi;
- SNILS;
- ngqo isitifiketi uqobo;
- imibhalo yetayitela lomhlaba umnikazi wesitifiketi sokubeletha noma owakwakhe;
- imvume ebhaliwe yokwakhiwa kwezindlu zokuhlala;
- isiqinisekiso sokuthi impahla eqediwe izobhaliswa njengempahla yomndeni kungakadluli isikhathi esingaphakathi 6 izinyanga kusukela ngosuku lokuqedwa komsebenzi.
Imibhalo evela kuhlu olungenhla yiyona eyinhloko. Ngokuya ngezici ezithile zalesi simo, ungahle udinge olunye ulwazi.
Uhlu oluphelele kufanele lucaciswe kwi-PF RF ngaphambi kokulungiselela iphasela lamadokhumenti. Uyacelwa ukuthi uqaphele ukuthi wonke amaphepha kumele abe esemthethweni ngosuku lokwethulwa kwalo. Lokhu kuzosinciphisa kakhulu isikhathi esisetshenziselwe inqubo.
Iphakethe eliphelile lemibhalo lidluliselwa esiKhwameni seMpesheni, kuyabhekwa Izinsuku ezingama-30... Lesi sikhathi sabelwe i-RF PF ngokwenza isinqumo esihle noma esingalungile.
Uma ukwakhiwa kuvunyiwe, isigamu semali sizodluliselwa kumnikazi wesitifiketi somzali. Yonke enye imali ayikhokhwa ngaphambi kwesikhathi 6 izinyanga. Kodwa-ke, kuzofanele uthumele amadokhumenti aqinisekisa inqubo yokwakha kulezi zinyanga eziyisithupha.
Isinyathelo 4. Ukuthola imali kwi-akhawunti yamanje
Isinyathelo sokugcina kule nqubo ukuthola imali ku-akhawunti yamanje.
Inqubo yokudlulisa imali incike ekutheni idluliselwa kubani:
- uma ku-akhawunti yomnikazi wesitifiketi sokubeletha, khona-ke ukudluliswa kwenziwa ngezigaba ezi-2: 1) ngemuva kwezinyanga ezi-2, ingxenye yezimali (engekho ngaphezu kwesigamu semali isiyonke), 2) isabelo esisele hhayi ngaphambi kwezinyanga eziyisithupha kamuva;
- uma ku-akhawunti yosonkontileka, ukudluliswa kwenziwa ngenkokhelo engu-1.
Isinyathelo 5. Ukwakha indlu
Uma ukwakhiwa kuzokwenziwa wedwa, umthetho-ke ubeka izinsuku zomnqamulajuqu zomnikazi wesitifiketi sokubeletha: udinga ukuba nesikhathi sokwakha isisekelo sendlu nohlaka lwayo ezinyangeni eziyi-6 (izinyanga eziyisithupha)... Njengoba kuphela ngemuva kwalokho yonke enye imali izodluliselwa ku-akhawunti yamanje.
Thola imali esikhwameni sempesheni bese wakha indlu ngemali yokubeletha
Uma umsebenzi wenziwa ngabakhi (ongoti), kuthatha isikhathi esincane, ngakho-ke, kulokhu, lonke inani lidluliswa ngokushesha ku-akhawunti yabo.
3. Uyithola kanjani imali yokwakha indlu ngaphambi kokuba ingane ifike eminyakeni emithathu old 🔨
Umthetho ubeka ukuthi izinkokhelo ngaphansi kwesitifiketi sokubeletha ingane ize iphenduke 3 iminyaka, ungathumela kuphela ukukhokha imali ebanjisiwe.
Noma kunjalo, kukhona indlela yokuphuma kulesi simo. Kungenzeka ingane ize ifinyelele eminyakeni emithathu uzakhele indlu... Kepha kufanele ugcine yonke imibhalo eqinisekisa izindleko. Lapho ingane iyajika 3 unyaka, kufanele uye emnyangweni wePF.
Ukuze uthole isinxephezelo, ngaphezu kwepasipoti, i-SNILS nesitifiketi somzali, uzodinga:
- idokhumende lobunikazi besiza somhlaba;
- isitifiketi sokuthi umndeni ubambe iqhaza ohlelweni lombuso lokwakhiwa kwesakhiwo sokuhlala;
- isiqinisekiso esibhaliwe sokuthi ngokusebenzisa 6 indlu izoba ngeyomndeni izinyanga;
- amadokhumende aqinisekisa izindleko ezitholakele.
4. Uyithola kanjani imali enkulu yokwakha indlu ekubanjisweni ngemali 💳
Lapho ungeke ukwazi ukwakha indlu usebenzisa izimali zakho, ungafaka isicelo sokubambisa ngemali ebhange ngalezi zinhloso. Iyini imalimboleko yempahla ebanjiswayo kanye nempahla ebanjisiwe, sikhulume ngokuningiliziwe endatshaneni edlule.
Kulokhu, isikweletu esigcwele noma ingxenye yaso ikhokhwa kusuka enhlokodolobha yokubeletha. Le nketho iyatholakala ngisho nangaphambi kokusebenza kwengane 3 iminyaka. Ukuze uthole imininingwane yokuthi ungayithatha kanjani imali obolekiswe ngayo ekhaya, funda i-athikili kusixhumanisi.
Ukuze uthole imali ngale ndlela, kuzofanele uthumele le mibhalo elandelayo ku-Pension Fund:
- umazisi;
- SNILS;
- isitifiketi sokubeletha;
- isivumelwano sesibambiso;
- isitatimende sasebhange esikhombisa ibhalansi yesikweletu;
- idokhumenti eqinisekisa ubunikazi bendawo yokuhlala esakhiwayo noma esivele yakhiwe;
- ikhophi yombhalo ogunyaza ukwakhiwa kwendlu, uma ukwakhiwa kungakaqedwa;
- isiqinisekiso sokuthi indlu izoba ngeyomndeni zingakapheli izinyanga eziyisithupha ngemuva kokuthola imali yokubeletha.
Ukubalwa okulinganiselwe kwempahla ebanjiswayo, ungasebenzisa umshini wokubala wempahla.
Sincoma futhi ukufundwa - "Ungayithenga kanjani indlu yenhlokodolobha yokubeletha".
5. Ungayithola kanjani imali yokwakha indlu ngokuhlanganyela ngokulingana equ
Noma ngabe indlu isakhiwa, kungenzeka ukuthi ukhiphe umshado obalulekile. Izimali ezitholiwe zibuyiselwa izindleko ezitholakele.
Ukuze wenze lokhu, kufanele uthumele iphakethe lamadokhumenti ku-Pension Fund:
- umazisi;
- SNILS;
- isitifiketi semali yokubeletha;
- khipha esitatimendeni sokubambisana;
- umqulu wokubambisana;
- isitifiketi esikhombisa ingxenye yemali ekhokhiwe kanye nenani lesikweletu esisele;
- isiqiniseko sokuthi indawo ezakhiwayo izobhaliswa kabusha nomndeni kungakapheli izinyanga eziyisithupha kuqediwe ukwakhiwa.
Kulokhu, abasebenzi besikhwama sempesheni abafundisisa ngokucophelela hhayi nje ilungelo lokuthola imali yokubeletha, kodwa futhi nezinto zempahla etholakele uqobo.
Ngale ndlela, kukhona ithuba hhayi kuphela lokuthenga izindlu esezenziwe ngomumo, kepha futhi nokwakha indlu ngokwakho usebenzisa imali yenhlokodolobha.
Kodwa-ke, ungahlala uthola isipho sokushintshanisa isitifiketi sokubeletha ngemali. Kuthiwa kungasetshenziswa nganoma iyiphi injongo. Kubalulekile ukuqonda: okunikezwayo okunjalo kuphambene nomthetho osebenzayo.
Umbuso ulawula ngokuqhubekayo ukusetshenziswa okuqondisiwe kwezimali zesitifiketi sokubeletha. Akufanele uzame ukukhipha imali enjalo. Izenzo ezinje zizothathwa njengezokukhwabanisa. Lokhu kuzoholela ekushushisweni. Ngakho-ke, ngokuphelele zonke izenzo ezinemali yokubeletha kumele zihambisane nomthetho.
Ekuphetheni, sincoma ukubuka ividiyo:
Siyethemba ukuthi sikwazile ukuphendula umbuzo ngokusetshenziswa kwemali yokubeletha ukwakha indlu.
Uma usenemibuzo, babuze kumazwana angezansi. Kuze kube ngokuzayo emakhasini kamagazini weRichPro.ru!