Kubhadhara kumhuri duku pamuberekwa wemwana. Kubhadharwa kwemhuri kumhuri mitsva yekutenga dzimba. Kugadziriswa kwehupfumi hwemhuri kumhuri dzechiduku

Saka, nhasi tichaedza kujekesa kuti zvipi zvekubhadhara kumhuri mitsva inoitwa muRussia mune imwe mamiriro ezvinhu. Kutsigira masero emunharaunda ibasa rehurumende. MuRussia inourawa, asi iri kure kubva nguva dzose zvichigoneka pasina zvinetso zvakakosha kuwana rubatsiro rwakakodzera. Nokudaro, zvakakosha kubhadhara kune zvakawanda zvekubhadhara mari. Nenzira yakanaka, kune zvakawanda zvekutsigirwa kubva kuhurumende. Zvimwe zvakasiyana-siyana zvekubatsira, hukuru uye kubhadhara mari-dzimba - izvi zvose zvinogona kuwana mhuri duku. Saka ndeupi rudzi rwekubhadhara kunoiswa kumasero akadaro evanhu? Chii chinodiwa kuwana rubatsiro rwekunyama muRussia? Ndezvipi zviitiko zvinofanira kuonekwa? Kunzwisisa zvinhu zvose hakusi kwakaoma sezvinoratidzika.

Imwe mhuri yevechidiki ...

Chinhu chekutanga ndechokuti uone kuti mhuri yechidiki ndeyei. Pashure pezvose, kwete masero ose munzanga ane chimiro ichi. Kunongova imwe denderedzwa yevanhu inowira pasi peshoko iri.

Iye zvino mhuri yechidiki inonzi imba yechato, umo murume nomudzimai vane makore makumi matatu (mune dzimwe nguva kusvika 30). Uye izvi hazvina basa nekuvapo kwevana. Izvi zvinoreva, kana iwe uri pasi pemakore makumi matatu nemakumi matatu nemakumi matatu (uye nemumwe wako zvakare), unogona kunzi mhuri yechidiki uye, semugumisiro, unogamuchira rubatsiro rwakasiyana-siyana kubva kune hurumende, kwete kungofanana nesangano revanhu, asiwo sechidiki. Rubatsiro rwakadaro rwakawanda. Asi rubatsiro rwemagariro kumhuri mitsva yekutenga dzimba kana kutenga kutenga nzvimbo (kuvaka imba) inonyanya kudiwa. Mushure mezvose, dambudziko guru ikozvino kuwanikwa kweimba yako.

Mhuri dzechidiki - dzimba dzinodhura

Zvakakosha kufunga nezvekubhadhara iyi pasina kukwana. Mushure mezvose, zvinobatsira kutenga dzimba pamashoko akanaka. Nyika ichakubatsira iwe kuwana imba yako kuitira kuti iwe ugone kurarama murugare ikoko nevana vako.

Purogiramu Young Family yakakurumbira. Inobatsira pakuwana imba yevanhu pasi pemamwe mamiriro ezvinhu. Uye inogona kushandiswa zvose pamwe nevanhu vane vana, uye vasina ivo.

Iyi kubhadhara kumhuri yevechidiki yeimba inopiwa kune dzimwe mamiriro. Kutanga iwe unofanira kuchengeta mitemo. Asi pamusoro pavo zvishoma gare gare. Purogiramu "Mhuri Yechidiki" inogona kushandiswa zvose kuvhara chikamu chemari yeimba iri pasi pesangano rekutengesa uye yekubhadhara chikwereti. Kuwanda kwekubhadhara kunoenderana nenhamba yemhuri. Ndeapi mamiriro ezvinhu achafanirwa kusangana kuitira kushandura pfungwa yacho kuva yechokwadi?

Mamiriro ekubatanidzwa muchirongwa che "Mhuri Yechiduku"

Kubhadhara kwemhuri kumhuri mitsva yekutenga dzimba, sezvatotaurwa, inopiwa pamberi peimwe mamiriro ezvinhu. Tinofanira kuita maererano nemamwe mamiriro ezvinhu. Kana zvisina kudaro, hazvizogoneki kushandura pfungwa yacho muchokwadi.

Kutanga, iwe unofanirwa kuonekwa semhuri yechidiki. Muchiitiko ichi, makore ezera makore makumi matatu. Vanhu kusvika kuzera rino (zvinosanganisira) vanokodzera kubhadhara mari pasi peHouse Family program.

Chechipiri, sangano remagariro evanhu rinofanira kunge rinofanira kuonekwa sevanoda dzimba dzakanaka. Ichi ndicho chinhu chinotarisirwa, pasina izvo kunyange kuchengetwa kwemimwe mitemo yose hakuiti. Semitemo, vanhu vanoda kuvandudza mararamiro avo vanogona kuonekwa se:

• Kurarama muimba dzinotyisa ;
• Kurarama nomunhu ane utachiona hwechirwere;
• Mukushayikwa kwechikonzero chakakosha chinonyaradza mumusha (somuenzaniso, hapana kurasa mvura);
• Kana kune vana vemarudzi akasiyana-siyana, uye vanogara mune imwe nzvimbo.

Uyewo zvakakosha kubhadhara kune chokwadi chokuti kana zvinhu izvi zvisingaonekwi, usaora mwoyo. Mushure mezvose, kune mamwe maitiro emakiromita masere muimba yacho pamunhu. Mune zviitiko apo chinyorwa chiri pasi pezvinodikanwa, iwe uchakwanisa kukwanisa kupinda muchirongwa cheChishanu. Panguva ino, mitemo yekutora rubatsiro rwehurumende inoratidza kuti vanhu vane kodzero yekubhadhara mari, kana vane pasi pemadhora gumi nemashanu pamunhu wese.

Chechitatu, zvikwereti zvekuvakwa kwemhuri mitsva (uye nezvekutenga dzimba dzinosanganisira) zvinowanikwa chete kana masero ekambani akwanisa kuzvimiririra zvakakwana chikamu chekukosha kwevhu / imba. Izvi zvinoreva kuti iwe unofanira kuva nemari yakagadzikana. Purogiramu inoti "Mhuri Yechiduku" haisviki kune avo vasingashandi uye havagoni kubhadhara chikamu chemari.

Chechina, vatori vechikamu vanofanira kuva vagari veRussia. Vatorwa havagoni kupinda muHarare Family program. Pasinei nemamiriro ezvinhu. Chero bedzi kana vachigona kuwana vagari veRussia.

Kubhadhara kumhuri yechidiki yekugara, sezvatotaurwa kare, kunopiwa chete kana kune mukana wekubhadhara chikero chekukosha kweimba kana kuti nzvimbo yekugara. Ndeipi inofanira kuva mari muna 2016 kumhuri, kuitira kuti ave nekodzero yekutora chikamu purogiramu? Izvi ndezvi:

• Minimum 21,621 rubles kune mhuri ye2;
• 32 510 rubles uye pamusoro - kana pane nhengo 3 dzemhuri;
• Kana pane vanhu vana munharaunda yemunharaunda, bhajeti yayo inofanira kunge inosvika 43,350 rubles.

Aya ndiwo mitemo yava kushanda muRussia. Zvechokwadi, iyo yakasimudzirwa mari yemhuri, kunyanya kuti iwe haugoni kurambwa. Mibairo isina kufanira haigone kuiswa mumhuri inowanikwa, chengeta izvi mupfungwa. Kana iwe wakafanirwa nezvose zvataurwa pamusoro apa, unogona kuunganidza mamwe mapepa uye kutumira kutambira rubatsiro rwehurumende.

Zvinyorwa zvegurogiramu "Mhuri Yechiduku"

Saka, ikozvino zvakakosha kuwana huwandu hwemari yepurogiramu ye "Young Family", pamwe chete nehuwandu hwezvinyorwa zvinenge zvichibatsira kubhadhara rubatsiro. Panguva ino, mari yedu yatiripo inovhara ne30% yemari yeimba. Asi huwandu hwakajeka hwemari yekutenderera yakasiyana. Izvi zvinoenderana nenhamba yemhuri. Saka, zvinosvika kuti mhuri:

• Kubva pavanhu 2 inogamuchira anenge 600 000 rubles yekugara;
• Kubva kuvanhu vatatu - 800 zviuru makumi ruble;
• Kubva ku 4 - 000 000 rubles.

Kana iwe uchida kukodzera kuwana mari iyi, unofanira kukurumidza. Mushure mezvose, chirongwa che "Mhuri Yechiduku" ine muganhu wenguva. Iye zvino vanotaura kuti ichashanda kusvikira 2020. Zvichida mune ramangwana zvicharamba zvichiwedzerwa kana kubviswa zvachose. Saka, zviri pachena kuti haufaniri kunetseka.

Mariro kumhuri mitsva yekutenga dzimba inopiwa chete kana pane imwe runyorwa rwemashoko. Chii chaunofanira kuratidza kuitira kuti utore chikamu mu chirongwa che "Young Family" chirongwa chekutsigira? Izvi ndezvi:

• Certificate yemuchato;
• Zvivako zvekuzvarwa zvevana vose;
• Chikamu chinobva kuBTI maererano nenzvimbo yako yekugara ikozvino;
• Certificate yemhuri yakagadzirwa;
• Zvinyorwa zvinotsigira zvaunowana;
• Kopa yebhuku reimba ;
• Pepisipoti yeVanhu vane mvumo yekugara;
• Chikumbiro chekunyora;
• Chirevo pamusoro penyaya yebhangi dzebhangi;
• Chikwangwani chebasa rehutano (kana pane);
• Zvinyorwa nezvehuyo hwehumba;
• Certificate kubva kubasa (2-NDFL);
• Chibvumirano chemari yekukweretesa chikwereti / kutengeswa kweimba (kana iripo);
• Mabhuku ebasa (ane makopi);
• Chiremba chekurambana / kufa (kwemhuri yemubereki mumwe chete).

Kana imwe nguva mabhuku ose akaunganidzwa, unogona kuenda kuDhipatimendi rekugara panzvimbo yekubvumira kwako kuti ugomira mumuganhu wekutora chikamu. Unofanira kumirira zvishomanana. Uye kana ukasangana nezvose zvaunoda, iwe uchawana rubatsiro, izvo zvinoitirwa kutenga imba kana kuvaka kwayo.

Maternity capital

Iyi haisi yose yekubhadhara kumhuri dzechidiki, asi imwe chete yehurumende inotsigirwa. Sezvakaratidzwa zvinoratidza, masero mashoma evanhu vane kodzero yakakwana kwete kungobatanidzwa muHurumende yehurumende inonzi "Young Family". Mhuri dzinopiwa mamwe marudzi ose ekutsigirwa kwenyika. Somuenzaniso, kuberekwa kwemhuri.

Chii chaunoda kuziva pamusoro pechinhu ichi chekutsigirwa kubva kuhurumende? Maternity capital - kubhadhara kune mhuri yechidiki pakuberekwa kwemwana wechipiri. Inopiwa mune imwe yakagadzirirwa. Mhuri dzevechidiki dzinogona kutora rubatsiro urwu nenzira imwechete seye dzimwe dzose masero munzanga, umo mune vana vanopfuura 2. Nzira dzinofanira kushandiswa pane dzidzo / kurapwa kwemwana, kana kuvandudza mararamiro ehupenyu. Icho chisarudzo chokupedzisira chinowanzosangana nacho.

Iye zvino matkapital ndeye 453 026 rubles. Iwe unofanirwa kushandisa kune Pension Fund pamusana pokuwana kwayo nemagwaro akakodzera. Izvi ndezvi:

• Zvivako zvekuzvarwa zvevana;
• SNILS mwana, anowana rubatsiro;
• Kuzivikanwa kwemumiririri wemutemo;
• Kushandira rubatsiro.

Hapana chimwe chinhu chinodiwa. Hazvina mhosva kana iwe unoda mhuri kana kwete. Maternity capital inowanikwa kune vose vanoita basa pasina mhosva. Ichokwadi, kamwe chete. Izvi zvinoreva, kana mushure mekuberekwa kwechipiri mwana iwe watowana kare kubhadhara iko, shure kwechitatu iwe haugone kuzviita zvakare.

Chimwe chikwereti chemazuva

Asi hazvisi zvose. Kubhadhara kumhuri mitsva pakuberekwa kwemwana pane urongwa hakupedzi. Chinhu chacho ndechokuti iwe unogona kuwana mari yemari kune yese duku. Iko rudzi rwehurumende runotsigira rwakakodzera vabereki vose. Hazvina mhosva kana iwe uri muduku kana kwete.

Chiyero chekubatsira ndeye 15 382 rubles 17 kopecks. Iyi mari inopiwa kune vose: vose vari kushanda nevasiri vashandi vabereki. Muchiitiko chekutanga kunokosha kushanda kumushandi, mune yechipiri - kumubatsiro wekusimbiswa kwehupfumi hwevanhu. Hazvina basa kuti vana vazhinji vagara vaine sei - rubatsiro rwakasimbiswa. Pazvinyorwa zvayo nevabereki vachangobva kuitwa vachave mwedzi mitanhatu chete kubva panguva yekuonekwa kwechecheche. Kana iyi nguva isipo, iwe haugoni kuwana mari.

Zvikwereti kusvika kune imwe chete nehafu

Izvi zvinotevera kubhadharwa kwemhuri kumhuri mitsva inotenderwa. Uyu ndiwo rubatsiro rwekuchengeta vana. Inobhadharwa mwana asati asvika makore 1.5. Nenzira, rudzi urwu rutsigiro rwunomiririra kumhuri dzose apo mwana akaberekwa. Hazvina mhosva kana iwe uri wechidiki masero evanhu kana kwete.

Kukura kwebatsiro ekutarisira mwana kunoenderana nenhamba yevana vaduku. Zvimwe zvinofungidzirwa ibasa rako - kana mukadzi akambotanga kushanda, zvikomborero zvichaverengerwa maererano nezvimwe zvirongwa. Kunyanya chaizvo, iwe uchapiwa 40% yevhareji yemari yemakore maviri. Asi kana iri mubvunzo wekusimbiswa kwevanhu, zvinobhadhara kumhuri mitsva (uye mamwe ose masero emunharaunda) inopiwa kunze nepamusoro wekubatsira rubatsiro kune vanhu muhuwandu hwakaenzana:

• 2 884 rubles 16 kopecks for 1 child;
• 5 768 rubles 31 kopecks zvechipiri nevana vanotevera.

Kusvikira kumakore matatu

Panewo zvakare kubhadhara kwekutarisira mwana kusvika kumakore matatu. Kutsigira kwakadaro hakusi kukuru. Nokudaro, vazhinji havasi kuteerera. Mari yekubhadhara mari kumhuri mitsva munyaya ino ichave nemabhuru makumi mashanu chete pamwedzi. Nhamba yakafanana iyo inopiwa kumasero ese evanhu vane mushure mezera.

Ndokusaka kubhadhara kwezvikwereti izvi hazvisi kunyanya kufunga nezvevanhu. Asi ramba uchifunga kuti kunyange makumi mashanu emabhururi kubva muhurumende mushure mekunge mwana asvika makore 1.5 uye asati apemberera makore matatu, une kodzero. Kunyangwe kana mhuri isingadi.

Izvi zvakakoshawo kuziva kuti mwana muduku, pasinei nemhuri yaakaberekwa nayo, anofanira kupa pachena pasina mishonga inobatsira kurapwa. Nhamba yemishonga inowanikwa inofanira kuiswa mumakiriniki ako apo mwana anoonekwa. Kusvikira kumakore matatu iwe une kodzero yekuisa chikonzero ichi. Hongu, iyi haisi mvumo, asi iyo inzira yakanaka yehurumende.

Registration

Uyezve, kubhadharwa kumhuri mitsva pakuberekwa kwomwana kunopiwa kubhadharwa kwekutanga. Kunyanya chaizvo, rudzi urwu rwehutsigiro rwehurumende rwakaiswa kune vose vakadzi vakadzidza pakutanga kwekukurukurirana kwevakadzi. Panguva iyo zvakakosha kunyoresa semukadzi ane pamuviri kwete mushure memasvondo gumi nemaviri ekuzvitakura.

Kana iwe ukaita izvi, shure kwekuberekwa kwecheche iwe unogona kushanda kuti ubatsirwe nguva imwe chete. Kwete zvakanyanya, asi zvinodaro. Iwe une kodzero ye 576 rubles 83 kopecks. Zvakakosha kuti tibatane nebasa rekusimbiswa kwevanhu pamwe nevanhu. Ikoko unofanirwa kuratidza: pipoti, chidziro chekunyora kwekutanga, chikumbiro chezvibatsiro.

Kutsigirwa kubva kumubati

Kunewo mubhadharo kune wechidiki mhuri kusvika makore makumi matatu. MuRussia, kune marudzi maviri ehurumende anobatsira. Iyi inyika uye inharaunda. Zvose zvaiitwa kare zvaive sangano rezvematongerwo enyika. Asi kubhadharwa kwenharaunda hazvizivikanwi kune vose. Uye ivo vanongodudzira mhuri yevechidiki sechitubu chechikwata umo vakaroorana vasina makore makumi matatu (inosanganisira). Zvimwe zvikamu zvevagari vemo hazvigoni kuwana rubatsiro.

Kubhadhara kumhuri yevechiduku (kusvika pamakore makumi matatu nemakore makumi maviri emadzimai) kumunharaunda yenharaunda nguva dzose inowanikwa. Kazhinji ivo vanonzi gubernatorial rubatsiro. Munharaunda dzakasiyana, rubatsiro rwakasiyana rwekubhadhara mari hunosimbiswa. Somuenzaniso, muKaliningrad, unogona kuwana mabhiriki 3 500 segavhuna. Iwe unogona kutaurirana nebasa rekusigirwa kwehupfumi hwevanhu. Iwe unofanirwa kuisa mamwe magwaro kuti awane mubhadharo uyu. Zita:

• Zvivako zvekuzvarwa zvevana;
• Kushanda;
• Chikadhi chekuziva;
• Nhoroondo yekambani yekukweretesa mari.

Kazhinji, rubatsiro rwemagariro evanhu kumhuri dzevechiduku munzvimbo dzomunharaunda hazvizove nematambudziko akasiyana. Iwe chete iwe unogona kuwana rubatsiro rwakadaro panguva. Gubernatorial yemwana mumwe nomumwe inopiwa kunze.

Mhuri huru

Ndezvipi zvakare zvaungatarisira? Mariro kumhuri mitsva yakarongwa zvakasiyana-siyana. Vamwe vavo vakafanana kune mumwe. Imwe nzira ndeye chirongwa chehurumende chinonzi "Mhuri huru". Masero mashomanana chete evanhu vanogona kutora chikamu mazviri. Panguva imwecheteyo, tapota cherechedza kuti iwe uchatorwa semwana mukuru kana iwe uine vana vanenge vana vaduku. Iyi ndiyo nzira chete iwe unogona kutora chikamu purogiramu. Chinopa chii? Unowanikwa:

• 30% kudhura pamashandiro ekubhadhara (gas, mvura, chiedza);
• Kumaruwa 30% kunotswa kwekutya;
• Kusarura rusarura kana kukwana kubva pamutero wenyika;
• Kubatsira kwezvivakwa zvekuvaka imba;
• Kubatsira pakuumbwa kwemaitiro emabhizimisi nemapurazi (somuenzaniso, kurega kubhadhara chikwereti).

Zvimwe zvipo

Ndezvipi zvimwe zvikomborero zvakaiswa kumhuri huru? Kune zvakawanda zvavo. Iye zvino muRussia unogona kuwana mikana yakawanda, iyo isiri iyo yose isingazivi. Sezvakaratidzwa zvinoratidza, zvino mhuri huru dzine kodzero yeku:

• Kugamuchira mishonga pasina rubatsiro kune vana pasi pemakore matanhatu;
• Kufamba kwakasununguka kunotakura vanhu vari kure kure munzvimbo;
• Kubvumirwa kuenda kuchikoro chechikoro pasina magwenga;
• Zvokudya zvakasununguka mune zvikoro zvakazara (zvikoro, minda);
• Yunifomu yechikoro yepachena kana kuti yakaenzana;
• Kusununguka kwakasununguka kumasikirwo emitambo kamwechete pamwedzi (inoshanda kuvana).

Sezvaunogona kuona, zvokusarudza zvakawanda. Asi zvikuru kufarira kazhinji kukonzera kubhadhara vaduku mhuri (mhuri huru uye vanhuwo pamwe). Get navo tsika hazvisi nyore sezvo zvinoita. Pashure kuunganidza zvinyorwa zvose zvakafanira nyore. Nyaya dzemapepa mutoro nokuda map. Asi kana ukaedza, masvika nekukurumidza kuunganidza zvinyorwa zvose zvakafanira.

kana toredzera

Vakawanda vanofarira imwe pfungwa inokosha, chinotaura kuti ruyamuro zvokunyama mhuri (kusanganisira vaduku) nevana. Kurangarira kana kuitwa nevana?

Sezvineiwo, hungu. Hazvina basa, iwe kumbobereka kana kushandisa. The chikuru ndechokuti uri mhosva mwana muduku. Just kana iwe uve pachinzvimbo ane chitupa chekuzvarwa mwana kuisa magwaro achisimbisa chinzvimbo yacho nomubereki vokurera. hazvina kumboshanda kana kutaura kuti zvinobatsira pakaberekwa mwana, uyewo imwe kunyoresa kwokutanga pamwe antenatal kiriniki. All mamwe dzorubatsiro iwe akaisa zvakakwana.

zvenharaunda kubhadhara

Kubhadhara dzinopiwa vaduku mhuri vanogona kutora nzvimbo, sezvataona, panguva remunharaunda chechetere. kuwedzera gavhuna zvitsigiso chete anogona kuwana imwe-nguva zvinobatsira. Vanongoda panguva anenge 53 kumatunhu Russian. saizi wavo zvichisiyana 6000 rubles uye anosvika 11 000. Mune zvimwe zviitiko, unogona kuwana kunyange 15 000 kutsigira mhuri duku kubva nharaunda.

Munoziva mashoko akarurama muguta renyu. Izvi mhando wehurumende kutsigirwa ari dzichichinja. Naizvozvo, yakavimbika Data anogona kuwanikwa chete nehurumende imwe nharaunda.

Ndizvo zvose. Sezvaunogona kuona, akasiyana-siyana evanhu zvikomborero zvinowanikwa vaduku mhuri. Munhu wese, kana zvakafanira ezvinhu, pane mukana kuwana mari kubhadhara neurefu hwakasiyana-siyana. Kana pre-kutanga gadziriro magwaro, uchakwanisa kugadzirisa dambudziko nokukurumidza. Ava evanhu kunobatsirei vaduku mhuri (pekugara uye kwete chete) akaitwa muna Russia.