Chuma cha umayi ku 2020: mpaka chaka chiti chizikhala chovomerezeka, kukula kwa satifiketi yoberekera + ndi mndandanda wazolemba zofunika kulembetsa ndi kanema

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Moni okondedwa owerenga magazini a Ideas for Life! Mutu wofalitsidwa lero ndi ukadaulo wa amayi oyembekezera, chomwe chili komanso kukula kwa satifiketi, momwe mungapezere ndi zikalata zomwe zingafunike, ndi zina zambiri.

Mwa njira, mwawona kuti mtengo wa dola ndiwofunika kale motani? Yambani kupanga ndalama pamasiyana pamitengo yosinthira apa!

Kupatula apo, kubadwa kwa mwana ndi ichi ndiye chokongola kwambiri nthawi m'moyo wa mkazi. Amapereka zabwino zambiri, amakulolani kuganiziranso zina mwa izo ndikusintha kwambiri pamoyo watsiku ndi tsiku wabanja. Koma kuwonjezera pa zovuta ndi nkhawa zomwe zimakhudzana ndi mwanayo, zimakhala zofunikira kuganizira momwe angachitire perekani moyokugula kofunikira Chalk, zovala, zakudya ndi momwe mungapangire chitonthozo pomwe mavuto azachuma salola. (Zothandiza kuwerenga - "Momwe mungalembe kuyambiranso ntchito")

Zowonadi, kuwonjezera pa ndalama zonse, ndikofunikira konzani malo okhala, kuwononga ndalama pamaphunziro, maphunzirokuyesera kupereka mulingo woyenera wa maphunziro. Mabanja ambiri omwe ali mumkhalidwe wotere apeza yankho lovomerezeka kwa iwo okha, ndikupempha boma kuti liwathandize. Chifukwa chake, tidaganiza zolemba nkhaniyi yokhudza umayi pakubereka ndipo taganiza zokambirana pazinthu zazikulu zomwe zimakhudza mabanja ambiri.

Munkhaniyi muphunzira:

Momwe mungapezere ndalama zothandizira amayi kuti azitha kukonza nyumba;
Ndi zikalata ziti zomwe zikufunika kuti mupeze (kupanga) ndalama za umayi;
Ndani ali woyenera kugwiritsa ntchito satifiketi ya umayi;
Momwe mungatulutsire ndalama za umayi;
Chilichonse chokhudza likulu la umayi pogula galimoto. Kodi mungagule bwanji galimoto yokhala ndi capitalism?
ndi zina.

1. Kodi capitalism ndi chiyani 📃

Kuyambira 2007 pulogalamu yapadera idapangidwa kuti ithandizire mabanja akulu aku Russia olera ana. Chofunika chake ndi chakuti pakubadwa (kukhazikitsidwa) koyamba, kwachiwiri kapena mwana wotsatira, ndalama zinazake zimaperekedwazolipira. Njira yolimbikitsira banjayi idalola kuti amayi ndi abambo omwe akuyembekeza kukhala olimba mtima mtsogolo, komanso adasintha kwambiri kuchuluka kwa anthu mdzikolo m'njira yabwino.

Tsopano mutha kukonzekera pasadakhale momwe ndalama zizigwiritsidwira ntchito, malinga ndi malingaliro a pulogalamuyi, podziwa kuti boma lipereka thandizo.

Nthawi yokwaniritsa ntchito yotereyi adawerengedwa kwa zaka 10 ndipo Chuma cha umayi mu 2016 chikadatha... Koma, potengera kufunikira kwa ntchito ndikutulutsa ziphaso, nkhani yopitiliza kupitilira, kusintha kwa zinthu ndikupanga njira zogwiritsa ntchito ndalama zomwe zapatsidwa zidaperekedwa kuti zikambirane.

Ndiye kodi kukula kwa capitalism ku 2020 ndi kotani? Kodi mungagwiritse ntchito ndalama zaubereki, zomwe zimapatsidwa kwa banja laling'ono? Ndi zikalata ziti zofunika kuchita izi? Ndipo kodi pali vuto lililonse chifukwa chophwanya malamulo a pulogalamuyi?

2. Chofunikira ndi kagwiritsidwe ntchito ka capitalism 📑

Pulogalamu yolowera, chopangidwa ndindipo anapezerapo komanso mu 2007 chaka ndipo ukutchuka kwambiri masiku ano. Cholinga chake chachikulu chinali kulipira ndalama, zolembedwa pachaka, kwa mabanja omwe mwana woyamba, wachiwiri, wachitatu komanso wotsatira adabadwa kapena kutengera kuyambira Januware 1.

Atasonkhanitsa zikalata zofunika makolo amawapereka kunthambi yakomweko ya thumba la penshoni, kulandira satifiketi yapadera ya fomu. Mutha kupeza ndalama zake kokha pambuyo pa zaka 3... Koma, poganizira zakufunika kolipira ngongole kapena kubzala mwachangu pomanga, mawu omwe atchulidwa akhoza kusintha kwambiri.

Chifukwa chake, mungagwiritse ntchito ndalama zanu zaubereki pa chiyani. Wopanga malamulo kuyambira koyambirira adafunsira Njira 3 kugwiritsa ntchito ndalama zomwe mwapeza:

Kusintha malo okhala... Amayenera kugula ma square mita awo ngati nyumba kapena nyumba. Kuphatikiza apo, mutha kukonza, kuyamba kumanga kapena kulipira ngongole yanyumba kuti muchepetse chiwongola dzanja chomwe mwapeza.
Kupeza maphunziro... Izi zimathandizira kulipira ntchito zonse zokhudzana ndi maphunziro a mwanayo. Iyi ndi nthawi yopanga, kuyambira ku kindergarten mpaka ku mayunivesite ndi mabungwe. Kuphatikiza apo, akukonzekera kupita kusukulu yophunzitsa nyimbo komanso maphunziro azilankhulo zina.
Kusunga penshoni... Ndalama zomwe amalandila zitha kugwiritsidwa ntchito kukulitsa penshoni ya amayi.

Tsopano, likulu la amayi oyembekezera limapeza maziko ena omwe amalola kugwiritsa ntchito ndalama pansi pa satifiketi. Banja laling'ono, mwakufuna kwake, limatha kupatsa mwanayo mayanjano ndi kuphatikiza ana olumala mgulu la anthu, ngati kuli kofunikira. Kuphatikiza apo, palibe chifukwa chodikirira kutha kwa zaka zitatu. Ndikokwanira kugwiritsa ntchito pempho ku dipatimenti ya penshoni, ndikupereka zikalata zonse zofunika.

Kuti mumvetsetse momwe pulogalamuyi imagwirira ntchito, muyenera kumvetsetsa bwino yemwe ali ndi ufulu wogwiritsa ntchito.

Poterepa, lamuloli limapereka mwayi wokhala nzika zotsatirazi:

Akaziomwe ali nzika zaku Russia ndipo, kuyambira Januware 1, 2007, adabereka kapena adatenga mwana wawo woyamba, wachiwiri komanso wotsatira.
Amuna, amenenso ali nzika zaku Russia komanso khothi, zomwe zikusonyeza kuti ndiye amene amakhala kholo lokhalo lokhalanso ndi mwana woyamba kapena aliyense wotsatira.
Wolera kholo kapena bambo omwe adalandira ufulu wa amayi wofunsira satifiketi, yomwe pazifukwa zosiyanasiyana khotilo lidamenyera ufulu wa makolo wolera ana.
Ana aang'onoomwe amaphunzira pawokha nthawi zonse mpaka atakwanitsa zaka 23, pomwe khothi lidalanda makolo onse ufulu wawo wokhala kholo.

Chifukwa chake, kutengera momwe zinthu ziliri m'banjamo, ngati mwana woyamba, wachiwiri kapena wotsatira wabadwa kuyambira pomwe pulogalamuyo imatha, mutha kunena kuti mulandila ndalama pansi pa satifiketi. Choyamba, ndichachikulu amayindiye amalumikiza bambo kapena kholo lokulera ndipo pambuyo pake funsolo limasankhidwa mokomera ana.

Kuwerenga momwe pulogalamuyi ikuyendera, ndikofunikira kuzindikira kuti cholinga chake ndikusintha zovuta zachuma kapena kuthandizira malo okhala, kupeza maphunziro, chithandizo, kapena apobe kuonjezera kuchuluka kwa penshoni yolipiridwa mtsogolo.

Koma, pali ma nuances angapo omwe muyenera kuwamvera.

Ufulu wolandila ndalama... Amaperekedwa kamodzi kokha m'moyo ndipo sagwira ntchito kwa mwana aliyense wobadwa.
Kufotokozera... Malinga ndi lingaliro loyambilira la opanga malamulo, likulu la amayi (mabanja) pachaka amasintha kuchuluka kwake, koma kukula kulikonse sikutanthauza kufunika kosintha satifiketi kapena kusintha kulikonse.
Kagwilitsidwe Nchito... Ndikofunikira kudziwa kuti kubadwa kwa mwana kumapereka mwayi wofunsira kuntchito yanthambi ya penshoni nthawi iliyonse, ngakhale patadutsa nthawi yayitali. Ndiye kuti, zovuta za moyo, kufunikira kosintha malo okhala kapena zifukwa zina zomwe zimapangitsa kukhala chofunikira kuthana ndi mavuto omwe amabwera si chifukwa chokana satifiketi, popeza nthawiyo imawerengedwa kuti yatayika kapena yachedwa. Muli ndi ufulu nthawi iliyonse yolumikizana ndi ogwira ntchito ku thumba kuti mulandire mndandanda wazofunikira pakufotokozera.
Kutaya ndalama... Muyeneranso kudziwa kuti ngakhale mwana atakwanitsa zaka 3 simungagwiritse ntchito ndalama zomwe mwapatsidwa chifukwa cha zifukwa zanu, ndiye kuti muli ndi ufulu, womwe mungagwiritse ntchito nthawi iliyonse. Ndiye kuti, palibe nthawi yomwe ingachedwe.
Misonkho... Dongosololi limaganiziridwa kotero kuti polandila ndalama kumadera aliwonse omwe asankhidwa, sipayenera kulipira misonkho pa ndalamayi. Zikuoneka kuti mwini setifiketi ya banja sangasiyidwe misonkho.
Kutayika kwa chikalata... Ngati panali zina zomwe satifiketi idatayika, ndiye kuti muyenera kulumikizana ndi thumba la penshoni yakomweko, komwe adzatulutsenso chibwereza.
Kutha... Izi zimachitika mwiniwake wa satifiketi yomwe amalandila atamwalira kapena amalandidwa ufulu wakubala kwa mwanayo, yemwe kubadwa kwake kapena kukhazikitsidwa kwake kunadzetsa ndalama. Komanso, mkhalidwe womwe mlandu wadala udachitidwira ana kapena kuwapangitsa kuvulaza umakupatsani mwayi wokana ufulu wokhala ndi likulu la umayi.
Kuvomerezeka kwa satifiketi... Zimatsimikiziridwa kokha ndikupezeka kwa chikalatacho.
Kutuluka... Zochita zamtunduwu pansi pa pulogalamu yothandizira mabanja ndizosaloledwa ndipo zimapatsidwa chilango. Kuwerengera konse, kusamutsa ndi kulipira kumachitika posamutsa banki.

3. Kukula ndi kulongosola kwa capitalism ern

Pulogalamuyo ikachitika, kuyambira 2007, kuchuluka komwe kumaperekedwa kwa wolandila kumayikidwa nthawi zonse.

Chifukwa chake ngati, ngakhale pamenepo zidagamulidwa kuti zithandizire kuchuluka kwa 250000 ruble, ndiye kuti koyambirira kwa 2020 za chaka chinawonjezeka mpaka ma ruble 616 617 (kwa mwana wachiwiri) ndi 466 617 rubles kwa mwana woyamba ... Kusintha kumeneku kumalumikizidwa ndi momwe zinthu zilili mdziko muno, kukwera mtengo kwa zinthu, kukwera mitengo kwa chakudya, katundu, ntchito, maphunziro.

Kwa zaka 10, talandila chithunzi chomaliza, chikuwonjezeka pafupifupi katatu... Koma mu 2020, boma la Russia pamsonkhano wotsatira lidaganiza zowonjezera ndalama zolipirira kubadwa kwa mwana wachiwiri, komanso kusankhidwa kwa zolipiritsa kubadwa kwa mwana woyamba.

Tebulo la zosintha pamakulidwe a ndalama za amayi oyembekezera kwa mwana wachiwiri ndi wotsatira:

Kuchuluka kwa zolipira pamayi
2007 chaka	Ma ruble 250,000
Chaka cha 2008	276 250 ma ruble
chaka 2009	312 162 ma ruble
2010 chaka	343,378 ma ruble
2011	365 698 rubles
chaka 2012	387 640 rubles
chaka 2013	408 960 rubles
chaka 2014	Ma ruble a 429 408
2015 chaka	Ma ruble a 453,026
2016 chaka	Ma ruble a 453,026
2017 chaka	Ma ruble a 453,026
2018 chaka	Ma ruble a 453,026
2019 chaka	Ma ruble a 453,026
Chaka cha 2020	616 617 rubles (kwa mwana wachiwiri) Ma ruble a 466 617 (a mwana woyamba)

Chuma cha amayi mu 2020 chidzakhala ma ruble 616 zikwi 617 (pakubadwa kwa mwana wachiwiri) ndi 466,000 617 ruble (kwa mwana woyamba).

Mpaka pano, malinga ndi dongosolo lakuthana ndi zovuta lomwe boma lathu lakhazikitsa Zaka za 2020, kuthekera kolandila ndalama mwezi uliwonse kuchokera ku ndalama za satifiketi ya kholo kumaperekedwa (ngati pakhala zovuta zina).

Monga mukudziwa, capital capital ya 2020 itha kugwiritsidwa ntchito mu 4 mayendedwe... Aliyense wa iwo ali ndi makhalidwe ake ndi zofooka. Ndikofunikira kudziwa osati momwe mungagwiritsire ntchito bwino ndalama zamtsogolo, komanso zomwe malamulo athu amaletsa.

4. Chuma cha umayi chosinthira nyumba - njira zogwiritsa ntchito применения

Nthawi zina imakhala ntchito yovuta kwa banja lachichepere kuti lipeze ma square mita anu. Kupatula apo, ndalama zomwe amalandila maanja zimagwiritsidwa ntchito dongosolo la moyo, zakudya, kugula zovala, ntchito yamagalimoto, kupereka mwana, ndi zonsezi, ndizosatheka kusunga ndalama zofunika.

Njira zazikuluzikulu zogwiritsira ntchito ndalama zothandizira amayi kuti atukule nyumba

Ndalama zakuberekera zakukhalitsa nyumba, zoperekedwa ndi boma, zimathandiza kuthana ndi vutoli ndipo limakhala maziko oyenera kuchitira mwina.

Mwambiri, malangizo awa amatenga malo akulu 4:

Kugula malo okhala. Izi zitha kukhala kugula nyumba yopangira uchembere, nyumba zogulidwa kumsika wachiwiri, kapena nyumba zatsopano.
Ntchito yomanga payekha. Izi zimakhudza kumanga nyumba yanyumba yoti munthu azikhalamo.
Kutenga nawo gawo pakumanga nawo. Izi ndizochuma mu chinthu panthawi yomwe chimanga maziko ake kapena ntchito yomanga.
Kumanganso. Yesetsani kukonza nyumba.

Chifukwa chake, zimapezeka kuti munthu akhoza mangani, kapena nthawi yomweyo gula, ndipo ngati kuli kofunikira ndipo kumanganso malo okhala, pomwe banja lonse lidzakhazikike pambuyo pake. Kuphatikiza apo, kuwerengera kwanu konse kokhudzana ndi mabungwe azangongole pogula nyumba kumawunikiridwanso malinga ndi satifiketi.

Komanso musaiwale kuti kukonza moyo ndi materkapital ndi ndalama zopindulitsa. Kupatula apo, pamapeto pake mudzakhala ndi malo ndi nyumba zomwe mutha kuthana nazo (kubwereka, kugulitsa, ndi zina zambiri). Timalimbikitsanso kuwerenga nkhani yathu - "Komwe mungasungire ndalama kuti mupeze ndi kulandira ndalama pamwezi"

Mutha, osadikirira zaka zitatu perekani zolipirira mwana wanu mukalandira ngongole, perekani ngongole yayikulu ndi chiwongola dzanja pa ngongole. Ndikofunika kumvetsetsa kuti ndalamazi sizikugwira ntchito kulipira chindapusa, zilango kapena kuchedwa.

Kugula malo ndi nyumba yolembera

Mwachitsanzo, mukukonzekera kugwiritsa ntchito ndalamazo pogula malo ndi nyumba. Talingalirani za ma nuances angapo omwe amabwera mukamayang'ana nyumba ndi kukonza zochitika nawo.

Chifukwa chake, kugwira ntchito ndi chinthu chilichonse kumatanthauza momwe zinthu zilili:

Kugula nyumba... Kugula nyumba yatsopano kumakukakamizani kuti muwerenge mosamalitsa mgwirizano womwe wapangidwa ndi nyumba zowonongekera ndikuonetsetsa kuti mwatsimikiza Kutsata malamulo aboma nambala 214 "Pogwira nawo nawo nawo ntchito yomanga nyumba zamanyumba ndi zinthu zina zogulitsa nyumba." Zogulitsa nyumba mumsika wachiwiri zimafunikira chilolezo cha mwinimwini kuti alipire zina mwa ndalamazo ndi ndalama za amayi oyembekezera. Kupanda kutero, malondawo adzawerengedwa kuti ndi achabechabe. Ndipo komabe, kufunitsitsa kwanu kuti musaphatikizire mabungwe azangongole patsamba lino kuimitsa mapulani ake Zaka zitatu... Kuti mumve zambiri zamomwe mungagule nyumba yokhala ndi likulu la umayi, tidalemba m'nkhaniyi "Kugula nyumba yokhala ndi capitalism - malangizo ndi sitepe."
Kugula kunyumba... Onetsetsani kuti mwayang'ana zikalata zolembedwera kuti nyumbayi ili nayo malo okhala, ndipo idasinthidwa kuti azikhala chaka chonse. Dera lomwe lili pansi pake limatsimikiziridwa ngati "malo omanga nyumba aliyense". Ngati zochitika zonse zakwaniritsidwa, ndiye mu mgwirizano wogula ndi kugulitsa, onetsetsani kuti mwapatulira nyumba ndi malo ake eni eni pamtengo. Popeza ndikololedwa kugwiritsa ntchito ndikuwononga ndalama zokha pamtengo wanyumba, apo ayi zimawoneka ngati zolakwika ndipo akuimbidwa mlandu ngati kuphwanya lamulo.
Kupeza gawo la nyumba... Chuma cha umayi chimakulolani kuti mugule gawo la malowo m'magawo, ngati ali ponseponse. Chifukwa chake, pali nyumba za eni 2 kapena zipinda zosiyana, zomwe ndizotsika mtengo kwambiri ndipo zitha kutengedwa ngati njira. Ndikofunikira kuti gawoli lipatulidwe kuchokera kumalo ena onse ndikulemba. Mwa njira, ngakhale mabanki amatenga ngongole yanyumba yogulira malowa.
Kugula malo... Tiyenera kumvetsetsa kuti kupeza koteroko sikungatheke, popeza palibe chifukwa chovomerezeka cha pulogalamuyi.

Ntchito yomanga nyumba zolimbitsira amayi

Ntchito yomanga nyumba itha kuchitidwanso 2 (awiri) njira zazikulu:

Mgwirizano wopanga mgwirizano... Ntchito zonse zomwe iye amachita ziyenera kuzindikiridwa pakuyerekeza, komwe kumatanthauzira bwino mtengo wokwanira kulipira. Poterepa, ndalama zonse zofunika kuzipatsidwa zimasamutsidwa kwa makontrakitala.

Kudzimanga... Njirayi imakhala ndi mawu apadera olipira. Ndi iye, banja limalandira kuyambira pachiyambi pomwe 50% ya ndalama zake, ndiyeno, pakatha miyezi 6, ndalama zotsalazo zimalipidwa. Boma limatenga mwayi wogwira ntchito yonse isanakwane zaka zitatu, ndikuwatsimikizira ndi zikalata, kenako ndikulandila chipukuta misozi.

Werengani zambiri munkhaniyi - "Momwe mungagwiritsire ntchito ndalama zothandizira amayi kuti mumange nyumba"

Kumangidwanso kwa capitalism

Ntchito yomanganso imaperekedwanso ndi lamulo. Zimaphatikizapo kuchuluka kwa malo okhalamo pokonzanso nyumba zazikulu.

Apa mutha kusintha denga la nyumba, pangani zowonjezera, kukulitsa nyumbayo.

Mutha kuchita izi Muzinthu zitatu zoyambirira.

Khwerero # 1. Dziwani ngati masinthidwe athu alidi m'chigawochi "Kumanganso". Mwanjira ina, uku ndikupanganso ntchitoyi mothandizidwa ndi ntchito yomanga, yomwe imakupatsani mwayi wosintha zisonyezo zanyumba ndi zachuma. Izi zimathandizira kuti eni ake agwiritse ntchito malowo moyenera.

Mkhalidwe waukulu womwe ikupatsani thumba la penshoni – padzakhala kuwonjezeka kwa dera... Ndikofunikira kudziwa kuti kukonzanso kwa banal komwe mwatenga kudzaonedwa ngati kosaloledwa mukamagwiritsa ntchito ndalama za umayi.

Ine, m'malo mwa beseni, chimbudzi, mipando, kudenga ndipo kukonzanso khoma sichikhala maziko azoperekera ndalama.

Khwerero # 2. Timazindikira komwe ndalama zimachokera.

Kukonzanso kumeneku kumatha kuchitika Njira zitatu zosiyana, Kuchokera apa ndi njira yolipira idzakhala yosiyana.

Choyamba, ntchito yodziyimira pawokha. Apa timayembekezera zaka zitatu, kenako timatenga ndalama zogwirira ntchito, kapena timazigwiritsa ntchito tokha, kulipirira ndalama zina.

Kachiwiri, kukonza ngongole. Ndikofunikira kudziwa kuti kugwiritsa ntchito ndalama pano pansi pa pulogalamuyo sizotheka. Lamuloli silikupereka chindapusa cha ngongoleyi panjira iyi.

Chachitatu, ntchito ya kontrakitala. Malinga ndi mawuwa, ndizothekanso kukopa mabungwe ena. Ntchito zonse ziyenera kuchitidwa popanda kulipira thandizo la akatswiri. Komanso panthawi yomanga, 50% ndalamazo zimasamutsidwa ku akaunti ya cutoff, ndipo ndalama zotsalazo zimabwera pambuyo pake, patatha pafupifupi miyezi 6.

Gawo 3. Timasonkhanitsa zikalata. Muyenera kupereka:

Kope la chilolezo chakumanganso nyumba;
Chiphaso chokhala ndi nyumbayo ndi mtundu wake;
Chiphaso cha likulu la umayi, ndi mtundu wake;
Chidziwitso;
Chiphaso chokhala ndi malo ndi mtundu wake;
Umboni wokhala ndi banja limodzi.

Popeza adadzisankhira okha kusintha kwa zikhalidwe, ndalama zomwe zimayikidwa kuti zikhale satifiketi zitha kugwiritsidwa ntchito m'njira zosiyanasiyana. Zimatengera momwe muliri komanso malingaliro omwe mukuwaganizira.

Kupeza nyumba yapa ndalama... Iyi ndiye njira yosavuta komanso yotsika mtengo kwambiri. Chofunikira apa ndikupeza malo okhala oyenerana ndi pulogalamuyi ndikugwirizana ndi wogulitsa za njira yofananira yosungitsira ndalama. Mumalembetsa ku thumba la penshoni, sonkhanitsani zikalata zofunikira, lembani fomu yofunsira, ndipo m'masiku ochepa ndalama zofunikira zidzasamutsidwa ku akaunti ya wogulitsa. Mukamapanga zoterezi, muyenera kutero kopi ya mgwirizano wogulitsa, satifiketi ya umwini ndipo chochokera kuchipinda cholembetsa kuti panthawi yogulitsa nyumbayo idalibe zovuta zina.
Kulipira gawo loyamba pangongole kapena pangano lanyumba... Ngati mumagula nyumba pobweza ngongole, ndiye kuti gawo loyambirira liyenera kulipidwa popanda ndalama zanu. Kenako timatola zikalata zonse zofunika kuthumba la penshoni, kulumikiza satifiketi ku banki yokhudza kupezeka kwa ngongole ndipo ndalama za umayi zimatumizidwa ku akauntiyi. Ngati, komabe, palibe ndalama zoyambira gawo loyamba, ndiye ngongole imatha kuperekedwa poganizira pulogalamuyi kutengera zina. Choyamba, kuchuluka kwa ndalama zoyambirira sikungadutse malire omwe mwakhazikitsa satifiketi. Ndipo, chachiwiri, mtengo wamalo omwe mungalembetse udzakhazikitsidwe malinga ndi kukula kwa malipiro anu aboma pamtengo waukulu. Mwa njira, pali njira zina momwe mungatengere ngongole popanda kubweza - tidalemba za iwo mwatsatanetsatane m'mbuyomu.
Malipiro amalipiro olowera ogula nyumba munyumba yomwe ikumangidwa... Panthawi yogulitsayo, kuwonjezera pa kuti mukuwerengera satifiketi, muyeneranso kukhala ndi ndalama, zomwe pamapeto pake zimakhala ndalama zonse zogula. Mumaliza mgwirizano wogula ndi kugulitsa, mulembetsa malinga ndi malamulo aboma lathu ndikusonkhanitsa zikalata zonse zofunika kuthumba la penshoni. Pambuyo pake, pempho lanu limawerengedwa ndipo pasanathe masiku asanu ndalamazo zimasamutsidwa kuakaunti yomwe yatchulidwa.
Kulipira kwa wamkulu ndi chiwongola dzanja pa ngongole... Chofunikira pakuthandizidwa ndi boma ndikuti nyumba yomwe mukugula iyenera kulembetsa kwa mamembala onse. Kupanda kutero, palibe aliyense wogwira ntchito m'thumba la penshoni amene adzakhale ndiudindowu.

Maphunziro a ana

Kupeza maphunziro tsopano kukukhala gawo lofunikira pakukula kwa mwana, ndipo monga mukudziwa, ndalama zotere zimawonjezera kuchuluka kwakukulu. Muyenera kulipira nokha maphunziro, malo okhala, makalasi owonjezera ndipo ngakhale mutengere wophunzira ku sukulu kapena ku kindergarten. Zachidziwikire, sikungatheke kufotokoza madera onse, komabe, thandizo kuchokera kuboma lidzakhala lofunikira ngati muli ndi satifiketi.

Mwa njira, ndikofunikira kumvetsetsa kuti mayi akhoza kukonzekera kugwiritsa ntchito osati kokha kwa mwana yemwe akutembenukira Zaka zitatu, komanso ana awo onse ochepera zaka 25.

Ngakhale ndalamazo sizikugwiritsidwa ntchito mokwanira, ndalama zotsalazo zitha kulunjikitsidwa kusintha kwa moyo kapena penshoni yanu.

Izi zitha kugwiritsidwa ntchito pazinthu izi:

Ulendo wa mwana ku sukulu ya mkaka kapena malo apadera otukuka;
Kulandira maphunziro a sekondale ndi apamwamba;
Kuphunzitsa m'maphunziro otsitsimutsa kapena maphunziro azilankhulo;
Malipiro a nyimbo, sukulu yaukadaulo;
Pogona mu kogona;
Zowonjezera zina zokhudzana ndi maphunziro.

Ndalama zonse zofunika zimasamutsidwa kumaakaunti apadera akakhazikitsidwe ku adilesi ya omwe adafotokozedwayo. Sizingatheke kulandira ndalama zoterezi ndalama.

Mwa njira, ndikofunikira kuti muwone ngati bungwe kapena koleji yomwe mwasankha ikukwaniritsa zonse zofunikira pulogalamuyi.

Zinthu zitatu zokha:

Sukulu iyenera kupezeka m'dera la Russian Federation;
Khalani ndi chivomerezo cha boma pamalingaliro ophunzirira;
Khalani ndi chilolezo ndi ufulu wonse wopereka mtundu woyenera wamtundu wamaphunziro.

Kutengera izi, palibe chifukwa chokhulupirira kuti ndizotheka kuyamwitsa mwana kunja. Mutha kugwiritsa ntchito ndalama molingana ndi satifiketi nthawi yomweyo komanso mbali zina, kulipira ndalama zofunika chaka chilichonse.

Kuti thumba la penshoni livomereze Patsatanetsatane womwe mwasankha, muyenera kusonkhanitsa zikalata, zomwe zikuphatikizapo:

Kalata yopereka ufulu wogwiritsa ntchito likulu la umayi (banja);
chiphaso, nthawi zambiri chimakhala pasipoti;
kulembetsa kwamuyaya komwe mumakhala kapena kwakanthawi kokhazikika m'derali;
SNILS wa satifiketi;
cholembedwa pamanja chofunitsitsa kugwiritsa ntchito ndalama m'njira yomwe yatchulidwa;
mgwirizano woperekera maphunziro olipidwa kapena kupezeka ku kindergarten;
chiphaso chovomerezeka cha bungwe lomwe mwasankha. Iyenera kuvomerezedwa ndi notary;
pangano la pabalaza pabalaza. Iyenera kuperekedwa ngati kuli kofunikira kuti mupereke ndalama zanthawi yomwe mukukhalamo. Poterepa, ndikofunikira kutenga satifiketi yonena kuti zakukhazikikazo zatsimikiziridwa.

Kuti ndalama zonse zizichitika munthawi yake, amafunika kusamaliridwa. Chifukwa chake, ngati chaka chenicheni chili kwa inu - ino ndi nthawi yolowa ku yunivesitendiye zambiri mpaka Meyi 1 Ndikofunika kulemba chikalata ku Pension Fund pazolinga zanu, kenako ndikubweretsa zikalata zonse zofunika.

Pogwiritsa ntchito njirayi, mudzatha kulandira ndalama popanda mavuto ndi tsiku laposachedwa kwambiri losamutsa mpaka Okutobala 1.

Zachidziwikire, zitha kukhala zosiyana, koma zikachitika kuti mungasinthe malingaliro kapena pali zinthu zina zomwe zimapangitsa maphunziro kusukuluyi kukhala osatheka, mutha kuletsa ntchito yofunsira ndalama.

Zofunika musazichite mtsogolo 2 miyezi kuchokera tsiku loyamba kugwiritsa ntchito. Ngakhale mwana wanu atathamangitsidwa chifukwa chosachita bwino maphunziro kapena chifukwa chosachita bwino, muyenera kusiya kulipira.

Zikadzachitika tchuthi chamaphunziro kapena kumasulira kwa ophunzira dziwitsani ogwira ntchito m'thumba la penshoni za izi ndipo asintha malinga ndi momwe zinthu zilili.

Mapangidwe a penshoni ya amayi

Malangizowa ndi ocheperako kuposa ena, komabe amakulolani kuti muwonjezere ndalama zomwe zimadalira penshoni yanu yamtsogolo. Ziyenera kumveka kuti mutha kutaya satifiketi mwakufuna kwanu, ndichifukwa chake ndikosavuta kudziwa ndalama zonse zomwe boma limapereka ndi gawo lake.

Mwachitsanzo, mutha kuphunzitsa mwana ku yunivesite, ndi ndalama zonse zomwe simunagwiritse ntchito dzisiyeni mu gawo lolipiridwa.

Kuti mugwiritse ntchito capitalism popanga penshoni, muyenera kutola zikalata izi:

satifiketi;
mawu pa fomu yoperekera ndalama;
chiphaso;
SNILS.

Ndisanayiwale, pezani ndalama zoterezi zitha kukhala Njira ziwiri:

Kulipira penshoni mwachangu;
Ndalama zolipiridwa ndi ndalama zapenshoni za amayi okalamba.

Malangizo oyamba amapangidwa pokhapokha phindu la mabizinesi ake ndipo kuchotsedwa kwa olemba anzawo ntchito kulibe kanthu kalikonse. Nthawi ya kulipira kotere imadziwika ndi inu panokha, koma malinga ndi lamulo, sizingadutse zaka 10.

Njira yachiwiri imalipira moyo. Mwa njira, ngati mukuda nkhawa ndi zovuta zachuma mdziko muno ndikuganiza kuti ndalama zonse zomwe zachedwa zitha kuchepa, ndiye kuti palibe chifukwa cha izi.

Ku Russia, pali lamulo malinga ndi momwe mungalandire ndalama zonse mwanjira yolipira kuyambira pomwe adayamba zaka zapuma pantchito.

Ngati adaganiza zotumiza ndalama kukakhazikitsa ndalama zapenshoni, koma zisanalandiridwe, imfa, pomwe olowa m'malo atha kugwiritsa ntchito ufuluwu. Izi zikuphatikiza bambo kapena kholo lokulera, ndi mwanayo mwini.

Kusintha kwa chikhalidwe cha anthu ndikuphatikizana kwa ana olumala pagulu

Kuyambira 2016, malangizowa akhala akutchuka kwambiri. Lapangidwa kotero kuti ana omwe ali ndi zolemala zazikulu pakukula akhale ndi mwayi wogwiritsa ntchito njira zofunikira kuti athetse mavutowo. Zimaphatikizapo mawu ndi zikhalidwe zonse.

Tiyeni tiwalingalire mwatsatanetsatane kuti ziwonekere zomwe mayi angadalire posankha njira iyi yogwiritsa ntchito ndalamazo.

Nthawi yogwiritsira ntchito. Pulogalamuyi imapereka mwayi wosadikirira kuti ayambe zaka zitatu, koma kuti azilipira zonse zomwe akuchita nthawi imodzi.
Ophunzira. Ngati ndi kotheka, chithandizo choterechi m'banja chitha kuperekedwa kwa mwana aliyense wolumala, wobadwa kapena wobadwira. Ndipo zilibe kanthu ngati ali woyamba kapena wachiwiri, ndipo mwina ngakhale kwa ana angapo nthawi imodzi.
Mipata yogula. Pali pulogalamu yapadera yokonzanso yomwe ikuphatikiza mndandanda wazinthu ndi ntchito zovomerezedwa ndi boma la Russia. Chifukwa chake, ndalama zomwe zidagwiritsidwa ntchito pa iwo zidzalipidwa mokwanira.
Chitsimikizo cha kugula kwapangidwa. Kugula kulikonse komwe mungachite sikuyenera kukhala ndi maziko okha, komanso chikalata chofotokozera tsiku, kuchuluka, adilesi ndi mtengo wa katunduyo. Itha kukhala cholembera ndalama kapena risiti yogulitsa, mgwirizano wogulitsa. Ngati ndi kotheka, bungwe loyang'anira mabungwe azamalamulo ku Russia lingayang'anire, zomwe zingachitike, zomwe zikuwonetsa kupezeka kwa zinthu zomwe zagulidwa kwa mwana wolumala.
Utumiki. ngati kugula sikukhudza katunduyo, koma ntchitoyo mwachindunji, ndiye kuti izi zikuwonekera mu mgwirizano wopereka, womwe umamalizidwa mwachindunji ndi bungwe lomwe, lomwe lili ndi ufulu wotere. Kulondola kwa kupanga mgwirizano wotere kumatsimikiziridwa ndi malamulo a Russian Federation, ndipo ntchito zomwezi ziyenera kukhazikitsidwa mwachindunji pakusintha chikhalidwe ndikuphatikizana kwa ana olumala mderalo.
Kuchepetsa kugwiritsa ntchito ndalama. Tiyenera kumvetsetsa kuti pakadali pano m'dziko lathu muli kale Lamulo la Federal No. 181-FZ "Pazoteteza anthu olumala ku Russia", zomwe zimakupatsani mwayi wothandizira, kuphatikiza ana. Chifukwa cha iye, mutha kupeza chithandizo chamankhwala, njira zothandizira kukonzanso, njira zaukadaulo zoperekedwa ndi mndandanda wapadera. Ndicho chifukwa chake, posankha malangizowa, ndizosatheka kulipira zinthu ngati izi ndi satifiketi ya umayi, chifukwa ali kale ndi ndalama zoperekedwa kuchokera ku feduro.

Poyambira ntchito yamtunduwu ndi Januware 1, 2016. Posachedwa, mindandanda iyi ithandizidwa, ndipo malamulo oyendetsera ndalama azithandizidwa bwino.

5. Ndi zikalata ziti zomwe zikufunika kuti mupeze ndalama za umayi - mndandanda wazofunikira required

Ndizolemba ziti zomwe zikufunika kuti mupeze (kupanga) ndalama za umayi - mndandanda wazolemba

Mukamalumikizana ndi thumba la penshoni, mudzafunsidwa kuti mutolere zikalata, pamaziko omwe komiti yopangidwa mwapadera idzaganizira za kuthekera kopereka satifiketi.

Mwambiri, palibe zovuta pano ndipo mutha kuyendera nokha zochitika zofunikira.

Ndiye ndizolemba ziti zofunika kuti tipeze ndalama za umayi?

Pasipoti ya wofunsayo. Amatha kutsimikizira kuti ndinu ndani, chifukwa chake pangani zikope za tsamba lofikira, pepala lolembetsa ndi ana.
Zikalata zobadwira za ana onse.
Sitifiketi yaukwati.
SNILS osati zanu zokha, komanso za ana.
Satifiketi yakukula kwa kholo, ngati zinachitika m'moyo wanu.
Chidziwitso.

Yesani patsogolo pangani zithunzi zonse zikalata, izi zimatithandizira kuti tilembetse ndikulemba nthawi. Ngati mwakwatiranso, onetsetsani kuti mwapeza satifiketi yothetsa ukwati wakale ndikutenga satifiketi yochokera kuofesi yolembetsera № 28, zomwe zikutsimikizira kuti ukwati woyamba udachitika.

Zimakhalanso kuti dzina lomaliza la mwanayo silikugwirizana ndi lanu. Kenako, kuwonjezera pa satifiketi yakubadwa, muyenera kupereka zikalata zotsimikizira chibwenzi chanu. Izi zitha kukhala chiphaso chaukwati kapena satifiketi.

Kuphatikiza apo, onetsetsani kuti mwayang'ana satifiketi kubadwa kwa mwana kumbuyo kwake kunali sitampu yomuzindikira Nzika zaku Russia.

Liti, pomwe woimira milandu ali bambo kapena kholo lokulera, ndiye kuti amafunikanso kupitilira:

Sitifiketi chakufa kwa amayi a mwanayo,
Lingaliro la akulu akulu pakuchepetsa ufulu wa amayi,
Chiweruzo cholengeza kuti mayi wamwalira,
Umboni wonena za mlandu womwe wachitidwa kwa ana. Mwachidziwikire, iyenso ikhala chigamulo cha khothi.

Malinga ndi mwambowu, ufulu wolandila satifiketi kwa bambo amatha kupititsa mwalamulo, kutengera momwe banja lilili. Ngati makolo onse amwalira, ndiye kuti nkhani yokhudza umayi ingathetsedwe ana omwe.

Tsopano funso nlakuti ndi zikalata ziti zofunika kulembetsa ndalama za umayikuphunzira kwathunthu. Tiyeni tiyese kudziwa momwe njirayi imachitikira, ndi nthawi yanji yomwe yapatsidwa ndipo ndani ali ndi ufulu kukuchitirani zonse zofunika.

M'malo mwake, lamulolo limapereka Njira 4 zoperekera zikalata:

pempho laumwini;
kutumiza;
ntchito yothandiza anthu;
woimira milandu.

Njira nambala 1. Kupempha kwanu

Njirayi ndiyosavuta apa. Mumasonkhanitsa zikalata zonse, kupanga makope awo ndikupita ku thumba la penshoni. Kumeneku muyenera kudzaza fomu yofunsira kuti mupeze ndalama zaunyamata.

Mwa njira, kuti musataye nthawi yanu, pitani patsamba lovomerezeka, tsitsani fomu ndikuyesera kunyumba, mumtendere, lembani zonse zofunika. Pambuyo pake, zitsala kuti zilembenso chilichonse panthawi yobwera. Komanso, katswiri adzawona zonse zomwe mwapereka.

Sitifiketi imaperekedwa pasanathe mwezi umodzi. Munthawi imeneyi, mutha kulandira foni kapena kutumiza kalata yodziwitsa. Mulimonsemo, zotsatira za chidziwitsocho zidzakhala tsiku ndi nthawi yomwe chikalatacho chitha kusonkhanitsidwa.

Njira nambala 2. Kutumiza

Apa mudzaperekedwa kuti mugwiritse ntchito ntchito yotumiza makalata. Mutha kusankha njira iliyonse: yosinthidwa kapena yamtengo wapatali. Mulimonsemo, zikalata zonse zomwe zaphatikizidwa zimatsimikiziridwa kuti zizaperekedwa kwa wolandirayo. Mudzapatsidwa risiti yonyamula, ndipo wowonjezerayo adzafunsidwa risiti.

Ndikofunikira kuwonetsetsa kuti deta yonse yomwe mwanena ndi yolondola. Onani zip code, ma adilesi, dzina la wolandirayo. Chiphaso chomwe mwapatsidwa chiziwoneka ngati cheke, momwe muli nambala yapadera yomwe imakupatsani mwayi wotsatira kayendedwe ka kalata yomwe mwatumizidwa.

Njira nambala 3. Khomo lantchito zaboma

Chinthu choyamba chimene muyenera kuchita ndi izi ndi kulembetsa pazenera. Zimafunikira zinthu monga:

SNILS,
pasipoti,
Imelo adilesi,
Nambala yafoni.

Deta yonse imalowetsedwa mwapadera, pambuyo pake code imalandiridwa ngati SMS. Ngati kulumikizana kulibe pakadali pano, dongosololi liphatikiza uthengawo ku imelo.

Tsopano tikusindikiza batani lotsimikizira ndikubwera ndi mawu achinsinsi athu. Pambuyo polowera pazenera, sinthani zambiri mwatsatanetsatane kuti zidziwike kudzera mu Thumba la Pension. Tsatirani malangizo m'dongosolo kuti mupeze chithandizo.

Njira nambala 4. Woimira milandu

Zolemba zake zimatsimikiziridwa ndi notary, pambuyo pake ogwira ntchito ali ndi ufulu wolandila zikalata zonse zomwe atolera.

6. Chuma cha umayi - satifiketiyo ndi yolondola mpaka chaka chiti? Masiku a pulogalamu 📅

Mpaka chaka chiti ndalama zothandizira amayi ndizovomerezeka - kutalika kwa pulogalamuyi

Njira zofananira zothandizira boma kwa mabanja achichepere a Zaka 10 mwamphamvu kwambiri adalowa m'moyo wathu. Chithandizochi chakhala chogwirika kotero kuti kumapeto kwa pulogalamuyi, amayi achichepere akudzifunsa okha funso mpaka chaka chiti ndalama zothandizira amayi ndizovomerezeka? Iyenera kugwiritsidwa ntchito mwachangu motani, ndipo kodi adzawonjezera?

Pamisonkhano yomwe idachitika, boma la Russia nthawi zonse limabwera ndi malingaliro oti achulukitse pulogalamu yachitukuko, ndiye kuti iwonjezeranso kwanthawi yayitali. Chifukwa chake matembenuzidwe adanenedwa kuti ndikosavuta kuwonjezera zaka 5, ambiri amati kukhazikitsa chaka cha 2025 ndi nthawi yomaliza.

Zotsatira zake, mwa lingaliro la V.V Putin, lamulo lidasainidwa lonena kuti Kupereka ndalama zothandizira amayi kumaloledwa mpaka Disembala 31, 2026... Ndiye kuti, mzaka zikubwerazi tili ndi mwayi wogwiritsa ntchito njira zothandizira anthu pobadwa kapena potengera mwana. mwana woyamba, ndi ana wotsatira.

Ngakhale panali zovuta zachuma mdziko muno komanso kuchepa kwa bajeti kosalekeza, zidagamulidwa kuti zipitilize kuchita zomwe apatsidwa.

Chifukwa chake, malinga ndi ziwerengero zamakono pa Disembala 2019 mothandizidwa ndi ziphaso zomwe adalandira, adatha kukonza momwe zinthu zilili pachuma Mabanja 8 miliyoni... Izi zikuphatikiza okhala ku Russia, Crimea ndi Sevastopol.

Koma ngakhale zolimbikitsa ngati izi sizitilola kunena kuti "dzenje lachiwerengero cha anthu", Yemwe adapangidwa mu 90syakonzedwa kale. Tikuwonekabe pang'onopang'ono kuchokera ku boma lakale, kukulitsa kuchuluka kwa anthu.

Kuphatikiza apo, m'badwo wazaka izi ukukula pang'onopang'ono, ndikufikira kale Zaka 23, ndi omwe amakhala mabanja achichepere omwe ana amabadwira. Chifukwa chake, boma lathu likukhulupirira kuti tsopano ndikofunikira kupereka chithandizo chapadera.

Koma funso la momwe mungagwiritsire ntchito ndalama za amayi oyembekezera komanso mpaka chaka chomwe zitha kuthetsedwa lidathetsedwa ngakhale kale. Palibe chifukwa chothamangira ndikofunikira kukhala ndi satifiketi pamanja.

Izi zikutanthauza kuti banja lomwe likufuna kugwiritsa ntchito pulogalamuyi tsopano liyenera mpaka kumapeto kwa Disembala 2026 za chaka kubala kapena kutengera khalani mwana, kenako sankhani malo omwe akuthandizireni omwe angakhale ofunika kwambiri.

7. Chuma cha amayi ogulira galimoto - lamuloli lidakhazikitsidwa kapena ayi? 🚗

Osati kale kwambiri, akazembe a State Duma adatumiza kuti aganizire ndalama yolola banja lalikulu kuti litumize ndalama zomwe analandira kuchokera ku likulu la amayi kuti agule galimoto.

Inde, panali zifukwa zambiri zolimbikitsa "pa"Ndipo"kutsutsana»Za pempholi. Mbali inayi, zikuwoneka kuti likulu la umayi wamagalimoto sililola kupereka chithandizo chokwanira, koma limangofuna kuwonjezera phindu.

Koma, ngati mumayang'anitsitsa, ana amafunikira tumizani ku sukulu ndipo kindergartens, pitani kuzipatala ndipo pazochitika, ndipo chitani opanda galimoto sizingatheke.

Chifukwa chake kulondola kwa bilu akawononga ndalama pagalimoto, nduna zidapereka zifukwa izi:

Momasuka kugula... Popeza kuchuluka komwe kwalembedwa, mutha kudalira kukula kwa capital uterine, chomwe ndi chiyambi chabwino chogulira galimoto yatsopano. Kutengera kufunikira, mutha kulipira kwathunthu kugula konseko, kapena kupanga dipositi, ndikuwonjezera ndalama pazotsatira zomaliza. Mwambiri, mtengo wamagalimoto opangidwa mdziko lathu umakwanira kukula kwa likulu la amayi, lomwe kupeza nyumba sikungapereke.
Chitsogozo choyambirira... Pali mabanja omwe akhala akupatsidwa malo okhala. Izi zimachitika ndikatengera cholowa, kapena mphatso, yomwe imalandiridwa musanalowe m'banja, kapena kugawana ndi makolo okalamba. Poganizira njira zina zomwe boma lingasankhe, banja silipeza njira zovomerezeka zogwiritsa ntchito ndalama. Ana omwe afika msinkhu wololedwa ku mayunivesite amalembedwa ntchito m'malo osungira ndalama, komwe malo ogona alendo amaperekedwa pamtengo wokwanira, ndipo zikuwoneka zosayenera kupereka ndalama ku gawo lomwe limalandiridwa ndi penshoni ya omwe amakhala ndi ziphaso. Chifukwa chake funso la mwayi wowonjezera limabuka, choyambirira chomwe chingakhale kugula kwa magalimoto.
Kugwa kwachonde... Monga lamulo, kukumana ndi zovuta pakugwiritsa ntchito ufulu wawo wokhala ndi ndalama, pamakhala zovuta zambiri zomwe zimakambidwa abwenzi, achibale, anzawo... Pozindikira kuti izi zikhala zovuta, mabanja ena achichepere amasankha okha kukana kubala ana omwe adzakhalepo, kufuna kukhala ndi moyo wabadwa kwa mwana m'modzi yekha. Chifukwa chake, timakhala ndi njira zomwe njira zowongolera kuchuluka kwa anthu zimakhala zopanda ntchito ndikuchepetsa kukula kwa kuchuluka kwa anthu.
Kugwiritsa ntchito galimoto... Mukayang'anitsitsa momwe zinthu zilili ndi mabanja akulu, zikuwonekeratu kuti galimoto silingangokhalira kukonza zachuma, komanso kupangitsa moyo kukhala wosavuta. Chifukwa chake, mayendedwe amzinda amakupangitsani kuti musunthire kuchoka ku bungwe lina kupita ku lina. Zitha kutero maphunziro, zigawo zowonjezera, makapu, masukulu, ndi zipatala, polyclinics, zipatala... Koma moyo wakumudzi umalimbikitsa kufunikira koti tichite kugulamukafika kumafamu kapena kuma bizinesi, yendetsani kumsika sabata iliyonse kuti musunge ndalama, musunthire ndikutengera ana kumizinda kuti akaphunzitse kapena kutsatira njira zomwe madokotala amapereka.
Ndege zachepetsedwa... Pofufuza kayendedwe ka mayendedwe apakatikati, makamaka pa njanji, zitha kuwoneka kuti pali kuchepa kwa maulendo ambiri apaulendo, ndipo izi zimapangitsa kuti zikhale zovuta kusamukira ku malo ndi mizinda. Komanso, m'nyengo yozizira zimakhala makamaka zovuta kunyamula mwanapomumuwonetsa kuti amalumikizana ndi anthu odwala. Galimoto imatha kusintha kwambiri, makamaka ngati kufunikira kwakubwerera kunyumba mochedwa kwambiri.

Malinga ndi kafukufuku yemwe adachitika ku Russia pa kutha kwa 2019, mabanja ambiri omwe adalandira satifiketiyo sanalembebebe ku Thumba la Pension kuti ligwiritsidwe ntchito. Pali zoposa 50% mwa anthu 8 miliyoni.

Izi zikulankhula za chisankho chovuta komanso kufunitsitsa kukulitsa njira zingapo zomwe boma lingapereke. Chifukwa chake, kukhala ndi mwana m'modzi, awiri kapena kupitilira apo, palibe chikaiko pazovuta zachuma, koma kusapezeka kwa maulendo kumatsimikizira zowona zosankha zovuta. Chifukwa chake, ndikofunikira kupereka malingaliro atsopano, kuwaganizira ndikuwadziwitsa.

Ngakhale izi zidachitika, padalinso zotsutsana kuti kutsutsana kukhazikitsidwa kwa lamuloli. Mfundo zazikuluzikulu ndi izi:

Kufunika kofunikira... Pakatikati pake, boma lathu limakhulupirira kuti galimotoyo silingakwanitse kupikisana ndi nyumba kapena maphunziro. Chifukwa chake, woyamba amatheketsa kukonza mikhalidwe yawo ndi ufulu wolandila cholowa, magawano pakati pa ana, ndipo chachiwiri chimapereka chiyambi cha ntchito yamtsogolo ndi kukhazikika.
Zowonjezera zosowa... Mwana akamakula, amakhala ndi zikhumbo zambiri. Chifukwa chake kufunika kogula nyumba kukukulirakulira mwachangu, makamaka ngati m'badwo wobweretsa banja latsopano ndikubereka kubwera. Pakadali pano, galimotoyo siyikhala yamtengo wapatali, koma ndiyotheka kuti izikhala yotopa kwambiri.
Malangizo ogwiritsira ntchito... Zimakhala zovuta kuwongolera zomwe galimoto idagulidwa komanso momwe zimathandizira m'moyo watsiku ndi tsiku kuposa ngati inali nyumba kapena kufunika kwa maphunziro. Chifukwa chake, mwina ndalama zomwe zimagwiritsidwa ntchito pamagalimoto sizikhala zothandiza kwambiri. Kuphatikiza apo, galimoto imakhala pachiwopsezo nthawi zonse, chifukwa ndikofunikira kuyendetsa moyenera. Ngozi zomwe zingachitike, ngozi ndi mikangano m'misewu zitha kubweretsa kutsika kwa mtengo wina, zomwe zimapangitsa kukhazikitsa satifiketi kukhala kopanda ntchito.
Palibe kuchotsera pantchito... Monga lamulo, kubadwa kwa mwana woyamba kapena wotsatira amatumiza mzimayi patchuthi cha umayi kwa nthawi yayitali, ndipo iyi ndi nthawi yomwe samalandila kuchotsedwa ntchito kwa owalemba ntchito. Ndizomveka kuti penshoni yomaliza idzakhala yotsika. Pogula galimoto, vuto la ndalama zomwe sizinachuluke kwambiri silimathetsedwa, zomwe zimakhala ndi zotsatirapo zake ngati mukufuna kusankha njira ina yogwiritsira ntchito ndalama.
Kuthandiza opanga magalimoto... Kugwira ntchito mwakhama pa biluyi kumapangitsa kukayikira zolinga zenizeni zothandiza mabanja akulu. Zowonjezera, pakuchita izi, munthu angaganize zokopa zofuna zamakampani oyendetsa galimoto zapakhomo, chifukwa ndizodziwika bwino kuti malonda ake adagwa kwambiri mu 2019-2020.

Ndipo komabe, mungagule bwanji galimoto yokhala ndi capitalism? Kodi pali njira zalamulo. Kalatayi ikuwonetseratu Njira 4 ndalama zawo. Chifukwa chake, mpaka bilu itafika patebulopo kuti asayine purezidenti, yankho likhala lodziwikiratu: "Sizingatheke". Zochita zonse mbali iyi zimaphatikizapo mlandu wachifwamba ndipo kutha kutulutsa ndalama zomwe zaperekedwa.

Kuyesera kuphimba moyo wamabanja achichepere amakono momwe angathere, nduna zidabweretsa zochitika zingapo pantchito yomwe ikukonzedwa.

Kugawana umwini... Pogula galimoto, nthawi yomweyo iyenera kulembetsedwa kwa onse okwatirana komanso mwana yemwe adabweretsa kuchuluka kwa ndalama za umayi mnyumba. Izi zimachitika kuti ufulu wopezeka ndi aliyense. Chifukwa chake, ponena za apolisi apamsewu omwe angakhale ndi funso, malamulo apadera amayambitsidwa omwe amapanga umwini wotere osadodometsedwa poyendetsa galimoto.
Madeti oyambiranso... Malinga ndi zikhalidwezo, patapita nthawi, galimotoyo itha kugulitsidwa, ndikulandila ndalama m'manja.
Kupanga kwa Russia... Lamuloli limalola kungoganiza za mitundu yakunyumba kapena galimoto yopangidwa kunja, koma tasonkhana kudera la dziko lathu. Kuphatikiza apo, ngati kulibe ndalama zokwanira za satifiketi, mutha kuwonjezera ndalama zomwe mwasunga kapena kufunsira ngongole kubungwe la ngongole.
Kulembetsa kuwerengera... Ndikofunikanso kutengera chidwi kuti galimoto iyenera kukhala yatsopano, osalembetsedwa kale ndi apolisi apamtunda. Izi zikutanthauza kuti malo ogula azikhala ovomerezeka okha, m'ma salons omwe ali ndi ufulu wogulitsa.
Kupanga galimoto ndi mtundu... Tiyenera kunena kuti lamuloli silimaletsa kusankha kwa yemwe adzakhale mwini wake mtsogolo. Musaganize kuti galimoto yomwe mwagula itha kukhala yopepuka.

Ngakhale adafufuza mwatsatanetsatane zochitika zonse, kuti mupeze mwayi wogwiritsa ntchito ndalama zaukadaulo kugula galimoto, lamulo silinaperekedwe... Chifukwa chake, ambiri agwiritsa kale mwayi wobwereketsa magalimoto kapena kubwereketsa magalimoto. Takambirana kale momwe tingagulire galimoto pobwereketsa munthu m'modzi mwazolemba zapitazo.

Ntchito yofananayi idayambitsidwa kangapo ndikumveketsedwa bwino ndikusintha, koma zoyeserera zonse zimakanidwa ndi boma la dziko lathu.

Likulu la amayi oyembekezera

Ku feduro, pali malo enanso othandizira mabanja akulu, opangidwa mwadongosolo kudzera mu pulogalamu yayikulu yolerera. Mkhalidwe wawo ndi wofanana kwambiri, kokha kuchuluka kwachiwiri sikudalembedwe ndipo kumadalira dera lomwe mukukhala. Izi nthawi zambiri zimakhala ma ruble 100,000yaperekedwa pa chachiwiri, chachitatu kapena mwana wotsatira.

Thandizo limeneli mutha kuligwiritsa ntchito kamodzi kokha, mutamaliza zolemba zonse ndikusankha cholinga choyenera. Ndi pulogalamuyi yomwe imakupatsani mwayi wogula galimoto pazosowa zanu.

Mpaka 2015 mwayi wogwiritsa ntchito ndalama unali wofanana ndi satifiketi ya feduro. Tsopano pali zosankha monga:

Kutsegula nyumba yogona;
Kupeza maphunziro ngati mayi;
Kugulira galimoto banja lonse;
Malipiro azithandizo zamankhwala zoperekedwa kwa ana;
Kugula zinthu zapadera zaukhondo zomwe sizinaperekedwe malinga ndi momwe boma lilili.

Malangizo omalizawa akugwiranso ntchito kwa mabanja omwe ali ndi ana olumala. Malo oyamba kutsatira mchitidwewu anali Smolensk... Komanso, pulogalamuyi inafalikira mpaka Amur, Nizhny Novgorod, Kaliningrad, Ulyanovsk, Orlovskaya, Kamchatka Krai etc.

Kuchuluka kwa ndalama zoterezi kumadalira kuthekera kwa dera ndi ndalama mu bajeti yake.

Ndicholinga choti kugula galimoto potsogolera dera kuti mupeze ndalama zothandizira amayi, ndikofunikira kusonkhanitsa phukusi la zikalata ndikuzitumiza ku Thumba la Pension.

Mufunika zikalata izi:

Mgwirizano wogulitsa magalimoto ndi kugula;
Pangano la ngongole yamagalimoto, ngati kugula kwachitika kudzera kubanki;
Umwini wa wogula;
Satifiketi yaku Banki. Ngati galimoto idagulidwa kale ndipo panthawi yolandila likulu la umayi panali ngongole pa iyo ngati bungwe la ngongole ndi chiwongola dzanja chake;
Zambiri za Akaunti posamutsa ndalama;
Sitifiketi ya ndalama zomwe sizinalipidwe pansi pa mgwirizano ngati mutagula galimoto pang'onopang'ono.

Kugawidwa kwa pulogalamuyi ndikofunikira kwambiri mdera la Kamchatka.

8. Kodi mungapeze bwanji ndalama zothandizira amayi oyembekezera? 💸

Malinga ndi pulogalamu yomweyi, yopangidwa ndi boma lathu, sikutheka kutulutsa satifiketi.

Koma, pazaka zomwe idakhalapo, zosankha zingapo zadziwika zomwe zimagwiritsidwa ntchito mwakhama ndi omwe alandila mwayi wopeza ndalama. Zili kwa aliyense kuweruza momwe njira izi ziliri zovomerezeka.

Malipiro onse a ndalama. Kubwerera ku 2009, pomwe nthawi yovuta kwambiri yazachuma idayamba, zinthu zidayamba mdziko momwe kudulidwa kwa ntchito, kukwera mtengo kwa chakudya, nyumba zidayamba, State Duma adaganiza zolipira pang'ono pamalamulo a umayi. Chifukwa chake, mabanja adapeza ndalama zokwana ma ruble 12,000, zomwe zitha kugwiritsidwa ntchito pazosowa zawo popanda kupereka lipoti. Muyeso wosakhalitsawu udatha mpaka kumapeto kwa 2010, pambuyo pake adaletsedwa. Mwa kufananitsa zaka zapitazo, kale mu 2015 chaka adasankha ndalama zomwezo, pokhapokha kuchuluka kwa Ma ruble 20,000... Chifukwa chake, ndizotheka kutulutsa ndalama za umayi mofananamo tsopano, pazifukwa zovomerezeka.
Kumanga nyumba. Njirayi imaphatikizapo kulipira ndalama zonse pomanga nyumba yabwinobwino pamalo omwe mkazi kapena mkazi wina adakhalapo. Chofunikira chake ndikuti ngati mutayamba kugwira ntchito nokha, mukamasonkhanitsa zikalata zonse zogulira zinthu, ndiye polemba chikalata, mumayamba 50% ya ndalamazo, ndiyeno enawo. Zachidziwikire, ndalama zimayankha, koma mutagula kale, mutha kubweza mtengo wake ngati ndalama. Komanso, sikofunikira konse kuyembekezera kuyamba kwa mwana wazaka zitatu zakubadwa.
Ntchito yomanganso nyumba. Njirayi ndi yofanana ndi yapita ija ndipo imakulolani kuti mulembetse kusintha komwe kumapangidwanso monga kumangidwanso, kulandira ndalama za izi. Ndikofunikira kumvetsetsa kuti chifukwa chake, malo omwe agwiritsidwa ntchito nyumbayo akuyenera kukulira osakhala ochepera muyeso wowerengera ndalama.

Chifukwa chake ngati yomangidwa kapena anamangidwanso Kunyumba pambuyo pa Januware 1, 2007, ndipo mwana yemwe adabweretsa kuchuluka kwa ndalama zakubadwa mnyumba kale 3 wazaka, ndiye kuti lamuloli limakupatsani mwayi wokonza zonse malinga ndi malamulowo, kulandira ndalama pa akauntiyo.

Njira ina yomwe mungadalire kuti mupeza ndalama zogwiritsira ntchito ndi uku ndi kugula nyumba... Kuphatikiza apo, amayesa kugula izi kuchokera kwa abale awo omwe apanga ubale wabwino.

Mwakutero, katundu yense amakhala wovomerezeka mokomera ana, ndipo ndalamazo zimabwezedwa kubanja. Pafupifupi, ambiri agogo ndipo agogo angawone kuti ndikulondola kulembanso malo awo okhala kwa zidzukulu, kenako pali mwayi wowongolera momwe angakhalire.

Koma, ngati izi zidziwike kwa omwe ali pantchito ya Pension Fund, ndiye kuti atha kuyang'anitsitsa, zotsatira zake zidzaululidwa zabodza ndipo anayesa kuchita zachinyengo... Poterepa, zotsatira zakusinthaku zichotsedwa ndipo ndalama zoyendetsera ndalama zichotsedwa.

9. Chuma cha umayi mu 2020, kusintha - nkhani zaposachedwa 📰

Mpaka chaka chiti?

15.01. Feb 2020 - Purezidenti wa Russian Federation V.V. Putin asayina kuwonjezera kwa pulogalamu yayikulu yokhudza umayi mpaka Disembala2026 chakaM'mbuyomu, boma lidafuna kuletsa kukonza ndi kupereka ziphaso za ziphaso zoyembekezera mpaka 2021. Chifukwa chake, likulu la amayi oyembekezera lidakulitsidwa mpaka kumapeto kwa 2026..

Kulipira ndalama kuchokera kumata mat kwa omwe akusowa

Purezidenti wa Russian Federation adasaina chikalata cholamula mabanja osowa kuti apereke ndalama pamwezi pamwezi pakubereka mwana wawo woyamba, wachiwiri komanso wotsatira. Makolo amalipiridwa ndalama mpaka mwanayo atakwanitsa zaka 1.5 zakubadwa pamlingo wokhalira m'dera lomwe akukhalalo.

Pomaliza, timalimbikitsa kuwonera vidiyo yokhudza matcapital:

Okondedwa owerenga magazini ya Ideas for Life, tikhala othokoza ngati mutagawana malingaliro anu, zokumana nazo ndi ndemanga pamutu wofalitsa mu ndemanga pansipa.

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