Ndingayisebenzisa nini i-capital maternity?

Ukubeleka, okanye intsapho, inkulu ngenye yeendlela eziphambili zenkxaso yemali kwiintsapho kunye nabantwana baseRussia Federation. Kungakhathaliseki ukuba indawo yokuhlala yabatshatileyo, xa kuzalwa umntwana wabo wesibini kunye nolandelayo, ukususela ngo-2007, banikezwa isatifiketi sokulahla imali eninzi. Imilinganiselo efanayo yenkxaso inikwe abo bazali abaye bamkela umntwana wabo, ubuncinane bodwa umntwana.

Ndingakwazi nini ukurhoxisa i-capital mother?

Ubukhulu becala lentsapho lugqityiweyo njalo ngonyaka kwaye luba ngama-ruble angama-453,026 ngo-2016. Ukufumana ilungelo lokulahla imali enomtsalane, abazali abaninzi banomdla xa kunokwenzeka ukuba baphume kwaye bachithe imali enkulu yokubeletha.

Enyanisweni, akunakwenzeka ukufumana le mali ngemali ngokuhambelana nomthetho, ngaphandle kwecandelo layo elincinci kwimali ye-ruble engama-20,000. Ngaphezu koko, nayiphi na inzame yokukhupha yonke inkunzi yentsapho yecala lokuphula umthetho kwaye ingaba sisiseko sokutshutshiswa komthetho.

Ndingayisebenzisa nini kwaye ndingayisebenzisa njani imali yokubeletha?

Inxalenye ephambili yale milinganiselo yenkxaso-mali ingabhekiswa kuphela kwiinjongo ezithile ezichazwe ngumthetho, kwaye kuphela ngokuthunyelwa kwemali engekho imali. Ukongezelela, kunokwenzeka ukusebenzisa isatifikethi somthamo wokubeletha njengomgaqo jikelele xa umntwana, ngenxa yokuzalwa okanye ukuthotyelwa kwayo akhishwe yona, uya kuba neminyaka emithathu ubudala.

Nangona kunjalo, kukho ukungabikho kwezinto ezi-2 ezikuvumela ukuba ulahle le mali ukuya kweli nqanaba. Ngoko, intsapho inelungelo lokuthumela iimali zesitifiketi somzali sokubuyiselwa kwemboleko okanye mboleko efunyenweyo ngenjongo yokuthenga okanye ukwakha indlu, indlu okanye ezinye iindawo zokuhlala.

Oku kubonakala kungekhona kuphela kwiimboleko ezathathwa ngaphambi kokuba isatifikethi sithathwe, kodwa nakwizinto ezintsha, xa kubhaliswa ukuba inani lenkunzi yentsapho libalwa njengentlawulo ephantsi. Kubalulekile ukuba uqaphele ukuba ukuhlawula le mali kungenomdla kuphela kumboleko kunye neyona matyala amaninzi, kwaye akuhlawulwanga kunye nezohlwayo.

Ukongeza, ukuba i-crumb iyabonwa ngokusemthethweni njengabantu abakhubazekileyo, le mali ingaxhotyiswa kwigumbi okanye indlu ngokuhambelana neemfuno zakhe de wayeneminyaka emithathu ubudala.

Ngaloo ndlela, yonke inkunzi yemali okanye inxalenye yayo ingasetyenziswa ngaphandle kokulinda umntwana ukuba afinyelele kwiminyaka emi-3. Ukuba umntwana usukhulile ngokwaneleyo, le mali ingasetyenziselwa ezinye iinjongo, oko kukuthi:

• ukwandisa umhlala-phantsi womama;
• ukuthenga izindlu zentsapho ukwenzela ukuphucula imeko yokuphila ngaphandle kokukhangela inkokhelo;
• ukuhlawula ukuqeqeshwa komntwana wakho kumaziko ahlukeneyo, kunye nokuhlala kwakhe kwihostele ngexesha lokufunda kwakhe.