Ngaba kunokwenzeka ukubuyisela imali mboleko yomboleki ngomzali omkhulu?

Okwangoku, inani elininzi labemi baseRussia lixanduva lokunyanzela iimboleko. Iintsapho ezininzi zikhetha ukungalibali ukuthenga izixhobo ezibiza kakhulu, iimoto nezinye izinto, kodwa ukusebenzisa iinkonzo zebhanki kwaye kukhupha umboleko wexesha elide labathengi.

Okwangoku, kwixesha elizayo, abanye abantu banokuba neengxaki ezinxulumene nesidingo sokuhlawula ngokukhawuleza isahlulo semali eboleweyo, kunye nomdla kwisivumelwano. Ukuba, ngexesha elifanayo, umboleki ungumnini onolwazi lwesatifikethi somnxeba wokubeletha, unokuba nombuzo ukuba ingaba isetyenziswe ukubuyisela imali mboleki. Kule nqaku siya kuzama ukuqonda oku.

Ngaba kunokwenzeka ukuvala umboleki womboleki ngomzali omkhulu?

Izindlela ezithengiswayo zokuthengiswa kwemali yokubeletha zichazwe ngokucacileyo ngumthetho okhoyo. Ngokomthetho, kunokwenzeka ukuba uvale okanye uhlawule ngemboleko ngemali yaloo mali, kodwa kuphela ukuba umbolekisi wakhutshwa ngumbolekisi ngenjongo yokufumana okanye ukwakha indawo yokuhlala, kwaye le meko kufuneka ukuba ibhalwe phantsi kwisibhalo semvumelwano-mboleko. .

Ukuqhubela phambili kule nto, akunakwenzeka ukuba ulandelelanise imali eyinkunzi yokubeletha ukubuyisela imali mboleko yomboleki, ekubeni ummi olahla le mboleko ngokwengqiqo yakhe, kunye nesicatshulwa sekhontrakthi kwisibonelelo sakhe asibonakali naliphi na injongo enikelwayo. Ngendlela, oku kusebenza nakwiimeko xa imali yokubolekwa kwemali mboleko iya kuthenga indlu okanye ukuvala imboleko yemali mboleko, nangona kunjalo, okokuqala injongo yayo ingaba yintoni na.

Okwangoku, ukuba inani lemali-mboleko alinkulu kakhulu, inkunzi yomzali iya kunceda ukuyibuyisela ngokupheleleyo okanye inxalenye. Ngoko, de kube ngu-31.03.2016 wonk 'umama onelungelo lokulahla le ntlawulo unelungelo lokufaka isicelo kwi-Pension Fund kwaye ufumane i-ruble eyi-20,000 ngemali. Le mali ingasetyenziselwa nayiphi na injongo kwisicelo seentsapho, kubandakanywa ukubuyiselwa kwekhredithi yomboleki.

Ngaba kunokwenzeka ukuthabatha umboleki ngetyala lomzali?

Ezinye iindwendwe ezifanelekileyo kwi-capital parental nazo zizama ukwenza umboleki-mboleki ukuze uvale kunye nenkxaso-mali enikezelwa ngabo. Kwinkoliso yamanqanaba oku kwaphulwa komthetho, nangona kunjalo, kukho enye ihlukile.

Namhlanje, ezinye iibhanki zikuvumela ukuba unikeze imali mboleko yomthengi ojoliswe kuyo usebenzisa iindlela zentengo yomzali. Kule meko, xa kuqulunqwe isivumelwano, ukutyunjwa okuthe ngqo kwintlawulo yemali edluliselwe kumntu ozayo kumboleki ngeenkcazo ezicacileyo zento efunyenweyo yendawo yendawo yokuhlala. Ngokukodwa, ukuba isetyenzisi sezatifikethi zentsapho sisetyenziselwa ukuhlawula ukuthengwa kwendawo yokuhlala, zonke iimpawu zendlu kufuneka ziboniswe kwisibhengezo sekhontrakthi, kunye nedilesi yendlu.

Kubalulekile ukuba uqaphele ukuba nangaloo mzekelo umnini-mali womzali akanako ukufumana yonke imali yakhe ngemali. Emva kokuvunyelwa kwe-Intanethi ye-Pension Fund yaseRussia Federation, intlawulo iya kudluliselwa kwi-akhawunti yomthengisi ngokudluliselwa kwebhanki.