Pa zimene mungathere apakati likulu? Ntchito likulu umayi

Umayi likulu - ndi chithandizo chochokera ku boma mabanja ndi ana awiri kapena kuposa. Popeza 2007, iye kalata ndi mwapadera cholinga chikhazikitso. Amene yokhala ntchito ndalama monga mwa kusankha kwanu zosatheka. Choncho makolo ambiri kukayikira: "Pa zimene mungathere apakati likulu?".

Kodi ichi

Choyamba, izi thandizo la ndalama kuchokera boma mabanja ndi ana awiri kapena kuposa. Iwo inakhazikitsa mu mawonekedwe a kalata yothetsera, akhoza akuyendera okha zolinga zenizeni, onani pansipa.

pulogalamu mbapita kunayamba pa January 1, 2007, ndi mawu a anamalizidwa inyamuka kwa December 2016, koma amati kuwakomera mpaka 2025. Mu 2015 kuchuluka kwa likulu umayi anakwana 453.026 rubles, ndipo si osanjidwa mu 2016.

Choncho, ngakhale kuti satifiketi ndi chikalata yekha kuti makolo amene ali ndi ana awiri kapena kuposa, iye sikuli kwa mwana makamaka ndi banja. Ndiko kuti, ayenera kugwiritsidwa ntchito, amaganizira zofuna za banja lonse.

Amene ndi kulandira kalata yothetsera

zinanso ayenera kuperekedwa monga kulandira ndi nthawi umayi likulu ndi amene ali ndi ufulu kutero. Wolandira wa satifiketi zitha kukhala nzika ya Russian Federation kapena munthu wokhala nzika wapawiri ukakhale kunja.

Kotero mayi kuti apereke kalata kuti ali ndi wachiwiri kapena wachitatu mwana mu January 2007, komanso analibe bambo pamene mayi Mwachitsanzo, mogwirizana ndi imfa, chifukwa cha imfa ya mphamvu kapena kulandidwa ufulu makolo. Pangani satifiketi akhoza akaziwo anali ana aang'ono ana kapena wophunzira wanthawi wachinyamata, achinyamata a zaka mpaka zaka 23, ngati ulemu kwa makolo ake anathetsa miyezo thandizo boma.

satifiketi chilolezo

Musanayambe kusankha kumene nthawi umayi likulu, m'pofunika kukonza chifaniziro m'zigawozo Fund Ndalama za penshoni. Kuti tichite zimenezi, kukonzekera phukusi la zikalata:

• pasipoti kapena zina adzadziwire chikalata kwa obatizidwayo;
• zosonyeza kubadwa, kukhazikitsidwa kwa ana;
• SNILS wodandaulayu ndi ana;
• umboni wa nzika;
• mawu.

Documents kuti abwelele kwa malo okhala kapena kukhala. mawu awo obwereza ndi mwezi 1 pambuyo umwana. Fund The penshioni adzakhala awadziwitse wodandaulayu mlandu anatengedwa ndi kalata boma. Kenako, ayenera kuonekera mu chifaniziro Kupititsa ndi kulandira kalata yothetsera.

ntchito chandamale

Tsopano m'pofunika kuzindikira, mungathere apakati likulu chifukwa chanji. The ndalama allocated ndi boma, akhoza ntchito pa:

• Kugula kapena kumanga malo zogona, ndi alipire wa ngongole nyumba monga malipiro kwa ogulidwa nyumba kubweza.
• Pa maphunziro a ana a boma ndi ena, koma wadutsa boma kuvomerezeka a sukulu.
• Mbali ndalama zolipirira a penshoni ntchito mu Fund penshioni anthu, ndiponso kwaokha.

Pakali pano, palibe zasintha mndandanda (amene mungathere apakati likulu) amakhalabe zogwirizana.

Kodi kukhazikitsa chosonyeza kuti kutukula nyumba

Monga mungathere pa likulu umayi ayenera kulingalira mozama za kusintha kwa moyo wa mabanja. Choyamba, apa ndi ulamuliro kuti akhoza anazindikira mwa kokha pamene mwana akutembenukira zaka zitatu. Kachiwiri, ayenera kumwedwa nkhani zofuna za anthu onse a m'banja.

Nachto lizikhala apakati likulu kuti kutukula nyumba:

• Kugula nyumba, nyumba kapena malo ena anazindikira nyumba, motero nyumba wakunja kwatawuni sangazigule.
• Pakuti malipiro kwa kubweza ngongole kugula nyumba.
• Kuti abwezere kubweza kapena zina nyumba ngongole. Mukhoza kubwezera ngati ngongole kapena chidwi pa kugulira nyumba.
• Yopeza ntchito yomanga olowa nyumba. N'zotheka kugula nyumba ndi nyumba yomangidwa kumene.
• Pa ntchito yomanga nyumba Mwachitsanzo, kuonjezera m'dera la nyumba achinsinsi, kapena yomanga nthambi ya chapamwamba lapansi.
• Kumangira nyumba payekha.

Baibulo atsopano amapereka ena mokoma. Choyamba, nyumba ziyenera anthu ndi yokhoza chaka chonse. Kachiwiri, akugula nyumba pa mgwirizano dziko la zogulitsa nyumba ndi dziko ayenera chikalata payokha, ngati ndalama za kalata akhoza analipira okha zogonamo. Pomaliza, banja mungapange ntchito yomanga ndalama zake, pokhalabe mavocha onse, ndipo patapita zaka 3 kufunsira reimbursement ndalama.

Kodi zikalata kukonzekera chitsimikizo kuti kutukula nyumba

Ndi zofunika kukonzeketsera zikalata zogwirizana ndi kugwiritsa ntchito ku Dipatimenti ya Fund wa malo okhala penshioni. Mndandanda wa mapepala chofunika:

• Kuzindikiritsidwa ndi kulembetsa ya choikamo satifiketi;
• satifiketi;
• ntchito;
• SNILS;
• kudzipereka olembedwa, notarized, za kamangidwe wa anamanga kapena anagula nyumba ndi umwini wa anthu onse m'banjamo.

Kenako, muyenera kupereka pangano ndi ngongole bungwe potipatsa ngongole nyumba kapena mawu banki za mpumulo wa chachikulu ndi chidwi pa kubweza, ndi mgwirizano malonda pa nyumba kapena nyumba, chilolezo kwa kumanga kapena kumanganso nyumba nyumba.

Kodi nthawi umayi likulu kuphunzira pa yunivesite

Chifukwa chakuti maphunziro ndi mayunivesite lero mtengo ndithu, n'zotheka kuzindikira zolinga zimenezi likulu la mayi. Zimene mungathe ndalama:

• kuphunzira pa yunivesite m'dera la Chitaganya cha Russia;
• kulandira maphunziro bungwe maphunziro, zimene ziyenera zatulutsidwa;
• pa maphunziro a mwanayo, ngati iye ali wokalamba pansi zaka 25.

Malipiro chophunzira akhoza kukhala kwathunthu kapena pang'ono ndalama ndi. Zilibe kanthu zimene mwanayo kuphunzira - choyamba, chachiwiri kapena chachitatu.

Kodi zikalata Chosiira kholo headband maphunziro

Kuwonjezera pa pasipoti kwa obatizidwayo, SNILS satifiketi ndi ntchito tikusowa pangano pachiyambi ndi bungwe potipatsa ntchito pa maziko malonda ndi buku la kalata ya kuvomerezeka wa yunivesite. Komanso, ntchito apakati likulu akhoza analipira maphunziro osati kokha, komanso kukhala mu chipinda, ichi amafuna pangano tenancy.

Ngati wophunzira sukulu, muyenera kugonjera ntchito kwa Fund ndi penshioni kutapa ndalama ndi kubwerera iwo likuvutika satifiketi. Kusamala zikutanthauza mungathere m'tsogolo, zolinga operekedwa ndi lamulo.

Kodi ndalama pa umayi likulu ndalama zolipirira mbali ya penshioni

Dziwani kuti ali aang'ono polarity njira kutaya ndalama likuvutika likulu kholo. Iwo ali zosakwana 1% ya zopalira satifiketi. Komabe, mayi akhoza kusamutsa ndalama kuti nkhani ya gawo chokhala ndi penshioni ya. Ndipo kumasulira zikhoza kuchitika mu thumba penshioni boma ndi omwe si a boma.

Mulimonsemo, ngati mkazi analemba kalata ndipo anatumiza ndalama kuti nkhani ya gawo olipiridwa za penshioni ntchito, mwina nthawi iliyonse asinthe malingaliro anu ndi kufika ndalama zina. Zikatero, ngati mkazi sanakhalanso ndi moyo pantchito, umayi likulu ndalama adzalandira achibale, mwachitsanzo mwamuna ndi ana.

Kodi ife ndalama pa galimoto

Mabanja ambiri chidwi nkhani imeneyi: Kodi n'zotheka amathera apakati likulu kugula galimoto. Mwatsoka, kugula galimoto pa ndalama izi sizingatheke, ngakhale nkhani akhala akulimbana za mu State Duma, koma bilu anakanidwa.

Ngakhale mabanja ambiri tinagulira galimoto kuti atsogolere moyo wawo. Koma pamene kufunsidwa, monga zofuna za ana n'komwe. Choyamba, magalimoto anagula n'kukagulitsa kuti akhale ndalama likuvutika likulu kholo. Chachiwiri, nyumba depreciation nthawi mokwanira yaitali, omwe si galimoto, motero, ndalama kuti tikhale nacho likuvutika likulu kholo ndi zosayenera.

Komano, mabanja ena kukhala m'nyumba zawo ndi kupeza izo, iwo safuna. Ndalama pa maphunziro a ana kapena kuziika mu nkhani ya mayi woyembekezera ndi penshioni - chiyembekezo m'malo "osamveka" ndi yaitali. Choncho, kwa iwo, tinagulira galimoto adzakhala njira yabwino. Koma mndandanda wa zomwe mungathere apakati likulu, sanasinthe.

Ndingafike ndalama

Funso limeneli mwina anafunsa iliyonse chofukizira satifiketi. Ndiko kuti, ngati mungathe kupeza ndalama posinthana ndi satifiketi likulu umayi. Pa zimene mungathere ndalama allocated mu chimango cha lamulo, icho kale, koma osati banja lililonse akusowa thandizo lotereli sitinganene za ndalama "moyo".

Tikhonza osati kutenga ndalama, ndiye kuti malamulo a encashment wa zopalira satifiketi si anapereka. Pali chapadera, pamene banja anapanga kumanga kapena kumanganso nyumba nkhani yake. Nthawi zina zonse, ndalama ndi kunditumiza ku nkhani makampani zomangamanga, ogulitsa malonda kapena mabanki amene mwini satifiketi anapanga kunja nyumba ngongole.

Udindo asamadye ndalama

ndalama Cash likuvutika likulu kholo amaonedwa monga kuba boma chuma. Choncho muyenera kuganiza mozama musanasankhe zoti mmene mungagwiritsire apakati likulu zosemphana ndi malamulo a dziko lathu.

Komanso, chifukwa cha mlandu adzasenza udindo kuyan'anila za munthu amene anatenga gawo mwachindunji kugwiritsa chiwembu achinyengo. Mwachitsanzo, ngati ndalama ndi ndatapa kumanga zolimba kapena wachibale wa mwini satifiketi, iwo amathandiza.

Dziwani kuti aboma mosamala kuwunika ntchito ndalama bajeti boma. Choncho, kuzindikira apakati likulu si yapafupi.

Izi mwina zonse mungathere apakati likulu. Palibe kusintha mmene tingagwiritsire ntchito ndalama posachedwapa ndi anaoneratu.