Ubungakanani bentengo yomzali namhlanje budlula i-ruble ezingama-453. Le mali ibaluleke kakhulu kubahlali bazo zonke iidolophu zaseRashiya, kuquka amacandelo anjengeSt. Petersburg naseMoscow. Yingakho iintsapho ezincinci ezamkele isatifikethi sokuba nelungelo lokulahla le ntlawulo, iphupha lokuyisebenzisa ukuxazulula iingxaki zabo nokufumana into engenakuthengwa ngaphandle kokuboleka.
Ukukhupha imali mboleko yemali eninzi akusoloko kunjalo, kuba umbolekisi ufuna isiqinisekiso sokuba umboleki uya kuba nakho ukuyibuyisela kwikamva. Ukufumana esi siqinisekiso, iintsapho ezininzi zicwangcise ukuwusebenzisa kule njongo, oko kukuthi, ukufaka isicelo semboleko malunga nenkunzi yokubeletha. Inqubo enjalo, ngokusemgangathweni, inokwenzeka, kodwa ngenxa yendlela ethile yokuziphatha kwayo.
Kule nqaku siza kukuxelela indlela yokuthatha imali-mboleko kwi-maternity capital, kwaye phantsi kweyiphi imeko le nto ayihambisani nomthetho.
Ngaba kunokwenzeka ukuba uthathe imali mboleko kwi-maternity capital?
Isonke isixa-mali somzali, okanye inxalenye yaso, njengomgaqo-jikelele, unokubhekiswa ekuphuculeni imeko yokuphila yentsapho eselula, ukwandisa umlinganiselo womhlala-phantsi womama, ukulungiselela indawo yokuhlala yomntwana okhubazekile, kunye nokuhlawula imfundo kwenzalo yeziko lemfundo kunye nokuhlala kwakhe kwihostele .
Ngaloo ndlela, umthetho awunikeli ukusetyenziswa kwalo mqathango wenkxaso-mali yokwenza okanye ukuhlawulwa kwemali-mboleko. Nangona kunjalo, phantsi kwengxowa-mali yokubeletha, ungathatha imali-mboleko yokuthenga okanye ukwakhiwa kwezindlu. Njengomthetho, kulo mzekelo, ukubolekwa kwemali yokubolekwa kwemali mboleko kwenzelwe, apho into efunyenwe yendawo yokuhlala ifakwe kwisithembiso.
Ukongeza, phantsi kwengxowa-mali yokubeletha, umboleko ojoliswe kuwo ungathathwa ukuphucula imeko apho usapho luhlala khona. Kule meko, isicatshulwa sesivumelwano sokunikezelwa kwemali mboleko kufuneka sichaze injongo yale mali, engaphikisani nenkqubo, oku:
- ukuthengwa kwezinto zendlu, zombini kwisekondari nakwiimarike eziphambili, ezibonisa iimpawu zayo ezithile, kubandakanye idilesi ngqo yendawo;
- Ukwakha indlu yokuhlala kwisiqendu sakho somhlaba ngoncedo lwenkontileka okanye ngokwakho;
- zokwakhiwa ngokubelwe;
- ukuhlawula isabelo kubhaliso kumalungu omabambiswano kunye nokwakhiwa kwemali.
Kuzo zonke iimeko, umnini wesatifikethi akayi kukwazi ukufumana imali ebolekwe ebhankini ezandleni zakhe. Emva kokuvunywa kwintengiso ecetywayo yi-Fund yePensheni, kufuneka ihanjiswe kwi-akhawunti yomthengisi ngemali yokungena kwemali. Kubalulekile ukuba uqaphele ukuba ukuboleka imali usebenzisa i-capital capital, akudingeki ulinde de usana lufike kwiminyaka emithathu. Unokufaka isicelo kwisikolo semali-mboleko ngemali mboleko, ngokukhawuleza xa ufumana isatifiketi.
Ukuqhubela phambili, kungenakwenzeka ukuthabatha umboleki ngekheshi ngokubambisa imali, kwaye, nangaphezulu, oku kuphulwa ngokubanzi komthetho waseRussia. Nangona kunjalo, ukuba ufuna ukuthenga into engabizi kakhulu, kude kube ngu-31.03.2016 unako ukukhipha i-ruble ezingama-20,000 kwiimali ze ntlawulo kwaye uyisebenzise nayiphi na injongo kunokuba umboleki-mboleki okanye inxalenye yayo.
Ziziphi iibhanki ezinikezela ngetyala kwi-capital mother?
Amaziko amaninzi amatyala awafuni ukuqhagamshelana nezo zinto ngenxa yengozi ephezulu yomthetho, ngoko ke uludwe lweebhanki apho ungayifumana khona imali mboleko. Ngokukodwa, kunokwenzeka kwimibutho efana nale:
- Sberbank;
- "VTB";
"Genbank"; - "I-Asia-Pacific Bank";
- Levoberezhny Bank;
- "Ibhanki yemisedare";
- IBhanki ye-Interkommerts;
- Ibhanki ye-Khanty-Mansiysk;
- "Ibhanki yeMpuma yeMpuma";
- "DeltaCredit";
- Uralsib.