Kungenzeka yini ukubuyisela isikweletu somthengi ngemali yomzali?

Njengamanje, inani elikhulu lezizakhamuzi zaseRussia ziboshwe izibopho zemali esikweletu. Imindeni eminingi ikhetha ukungabambeli ukuthenga imishini ebiza kakhulu, izimoto nezinye izinto, kodwa ukusebenzisa izinsizakalo zebhange bese ukhipha isikweletu somthengi eside.

Ngesikhathi esifanayo, esikhathini esizayo, abanye abantu bangase babe nezinkinga ezihambisana nesidingo sokukhokhwa kwenyanga njalo ingxenye yemali ebolekiwe, kanye nesithakazelo kwinkontileka. Uma, ngesikhathi esifanayo, lowo obolekayo ungumnikazi ojabulisayo wesitifiketi somthamo womama, angase abe nombuzo ukuthi ingasetshenziswa yini ukubuyisela isikweletu somthengi. Kulesi sihloko sizozama ukuqonda lokhu.

Kungenzeka yini ukuvala isikweletu somthengi ngemali yomzali?

Izindlela ezamukelekayo zokuthengisa izimali zokubeletha zichazwe ngokucacile ngumthetho wamanje. Ngokusho komthetho, kungenzeka ukuthi ukuvala noma ukubuyisela imali mboleko ngosizo lwalesi samba, kodwa kuphela uma umbolekisi ekhishwe umbolekisi ngenhloso yokuthola noma ukwakha indawo yokuhlala, futhi lesi simo kufanele sichazwe ngokucacile emibhalweni yesivumelwano sesikweletu .

Ukuqhubeka kulokhu, akunakwenzeka ukuqondisa imali yokubeletha ukuze kubuyiselwe isikweletu somthengi, ngoba isakhamuzi siyayilahla le mboleko ngokwayo, futhi umbhalo wekhontrakthi esivumelwaneni sakhe awubonakali kuphi lapho enikezwa khona. Ngendlela, lokhu kusebenza futhi esimweni lapho imali ebolekwa imali ebolekayo ihamba khona ukuthenga ikhaya noma ukuvala isikweletu semali yokubolekwa kwempahla, noma kunjalo, okokuqala injongo yayo ehlosiwe ingaba yinoma yini.

Okwamanje, uma inani lemalimboleko lingekho elikhulu, umthamo womzali uzokwazi ukuwukhokhela wonke noma ingxenye. Ngakho-ke, kuze kube ngu-31.03.2016 wonke umama onelungelo lokulahla le nkokhelo unelungelo lokufaka isicelo esikhwameni sePensheni futhi uthole imali yamaruble angu-20 000. Le mali ingasetshenziselwa noma yimuphi umgomo ngesicelo somndeni, kuhlanganise nokukhokhwa kwekhredithi yomthengi.

Kungenzeka ukuthatha isikweletu sabathengi ngemali yokubeletha?

Eminye imindeni efanelwe umthamo wemali yokubeletha nayo izama ukwenza umboleko wemboleki ukuze uyivale ngezimali ezisekelwa zona. Ezingxenyeni eziningi zamacala lokhu kuphulwa komthetho, nokho, kukhona okuhlukile.

Namuhla, amanye amabhange akuvumela ukuthi ukhiphe imali ebolekisiwe yabathengi usebenzisa izindlela zentengo yomzali. Kulesi simo, lapho uhlela inkontileka, ukuqokwa okuqondile kwesamba semali esidluliselwe kumalimboti ozayo ngencazelo eningiliziwe yento ekhona etholakalayo yokuhlala inqunyiwe. Ikakhulukazi, uma izindlela zesitifiketi somndeni zisetshenziselwa ukukhokhela ukuthengwa kwefulethi, zonke izici zendlu kufanele zikhonjiswe emibhalweni yesivumelwano, kanye nekheli lefulethi.

Kufanele kuqaphele ukuthi ngisho nalesi simo umnikazi womklomelo womzali ngeke akwazi ukuthola yonke imali yakhe ngemali. Ngemuva kokuvunyelwa kokuthengiswa kwekusasa yiSikhwama sePensheni ye-Russian Federation, ukukhokha kuzodluliselwa ku-akhawunti yomdayisi ngokudluliselwa kwebhange.