Kutenga imba yemhuri yekuberekwa: zvinyorwa, mamiriro. Mari yechikwata chekutengwa kweimba yekutora mimba

Hurumende inotsigirwa semhuri yekuberekwa inopa mukana wemhuri yekuvandudza mamiriro ezvinhu edzimba, kutenga zvivako pazvikwereti (mune zvikwereti), kubhadhara dzidzo yevana uye kwete chete. Kurambidza mari yakatarwa kunogona kuva mushure mekunge mwana asvika makore matatu. Kusati kwatanga nguva iyi, zvinobvira kutanga kushandiswa chidziro chemhuri yekuita chikamu chekutanga chechikwereti / chikwereti chekugara kwemaimba chaiyo kana kuti kubhadhara chikwereti chinenge chiripo pasi pechikwereti chiripo, icho chakatumirwawo kutenga kutengesa zvivako. Kutenga imba yekuberekwa kwekuberekwa ndiyo inofanirwa uye inowanzosarudzwa kuti mhuri dzitenge kana kuti dzivandudze dzimba dzavo. Munzira dzakawanda, chirongwa ichi chehurumende chinotsigirwa kusvika muna 2018.

Kutenga musha wekutakura kwemhuri: mamiriro

Iwe unogona kutumira mari kune chikwata chemhuri kuti utenge nzvimbo yekugara. Muna 2016, chiyero ichi chinopfuura 450 zviuru zveRubles. Sezvimwe chero chimwe chiitiko, kutenga imba yemhuri yekuberekwa kune zvido zvayo uye mavara, izvo zvichataurwa zvakare.

1. Imba inofanirwa kuchinjwa kuti igare chero nguva yegore: panofanira kunge kune magwaro akakodzera anosimbisa. "Dacha" zvisarudzo hazvina kukodzera - kutenga chivakwa chakadaro hazvibviri kukwevera rubatsiro rwehurumende.
2. Nzvimbo yenzvimbo iyo imba iripo inofanira kuenzanisirwa se "Nyika yekuvaka mumwe munhu". Kana zvisina kudaro, pakutsvaga rubatsiro kubva kuhurumende mukuwana kweimba yakadai icharamba.
3. Pamutengo wekutsigirwa kwehurumende, munhu haagoni kutenga nzvimbo yekugara kweimba yeimba. Sezvo pasina chinhu chisina kukodzera kurarama, hazvibviri kutarisa kutenga kwayo sekuvandudza mumamiriro ezvinhu ehupenyu
4. Kuti kutenga kweimba yekugara yemhuri yekuberekwa kwaivepo, zvakakosha kuva nechibvumirano chekutengeswa nemuridzi wekozvino.
5. Kutenga imba kunofanira kugoverwa kuva zvikamu pakati pemhuri yese yemhuri. Kuti vagadzirire kugadzirira kwavo kupatsanurwa kwemaimba, imwe inofanirwa kuzive izvi zvinoremekedzwa uye igozvipa pamwe chete nemamwe magwaro ehomwe yepensheni panzvimbo yaanogara.

Ndekupi kwandinogona kuenda kunoshandisa mari yekuberekwa?

Kudzorerwa kwehurumende kunotsigira kuburikidza kuburikidza nokuparadzaniswa kwemari yepensheni. Iwe unofanirwa kuenda ikoko, kutora newe iwe mazita emagwaro, anopiwa pasi apa. Tinokurudzira iwe kuti chokwadi, zvichienderana nemamiriro ose ezvinhu, urongwa urwu runogona kuchinjwa. Tsanangudzo inofanira kunyoreswa zvakananga mukumiridzira kweFIU panzvimbo yekugara.

Zvinyorwa zvekuwana imba inoshandisa nzira dzekuberekwa kwemhuri

Kuita kuti hurumende yepensheni iwane chikamu chemari yeimba, zvinokosha kupa huwandu hwezvigwaro zvekuchengetedzwa. Mhuri ichafanirwa kutora magwaro anotevera ekutenga kweimba kumusha wekuberekwa:

1. Kushandiswa kwemufomu wakazara (iwe unogona kuzadza chikumbiro kusati kwaita nekukanda fomu pane webhumo yepamutemo yebazi kana muhofisi yeFIU).
2. Chimwe chibvumirano chekuziva chimiro chemumiriri wemhuri anoisa chikumbiro uye makopi emagwaro aya.
3. SnilS.
4. Certificate yenyika kutsigirwa.
5. Matitikiti ekuberekwa kwevana vose uye makopi avo.
6. Kopi yemvumo yekutenga nzvimbo yekugara.
7. Ikopi yechiratidzo ichisimbisa chokwadi chehuyo hwekutengwa kwekugara kwekugara.
8. Nhoroondo ine ruzivo pamusoro pehuwandu hunenge huchiri kudiwa kubhadharwa pasi pesangano rekutengesa.
9. Tsamba isina kuvimbiswa yakanyatsosimbisa kuti yakarongedzerwa kubhadharira zvivako muhuwandu hwekugovana.

Nechigadziro chemashoko, iwe unofanirwa kushanyira hofisi yemumiriri wefudzi yepensheni panzvimbo yako yekugara. Nguva yekufungisisa chikumbiro chakadaro haichaperi mazuva makumi matatu.

Kutenga imba pamakwereti nekubatsirwa kwehurumende kutsigirwa

Kana zvichiitika kuti hazvibviri kushandisa zvaro chete maitiro ekutenga imba yekugara, unogona kushandisa mabhengi emabhangi kana mabhidhiro emari uye kuronga chikwereti. Panguva imwecheteyo, zvinokosha kuti panguva imwe chete iwe haugone kuwana chikwereti kubva kubhangi nehurumende mari yekutsigira chechiiti. Panguva ino, chiziviso chemhuri apo kukumbira chikwereti kunogona kushandiswa sechikamu chekutanga chechikwereti kana semari yekubhadhara chikwereti pane chikwereti chaive chiripo.

Ndingaita rini simboti kutenga imba?

Hazvina kumira kumirira kuzera kwemakore matatu emwana - nokuti nyaya iyi kushandiswa kwekutanga kwemari inopiwa nehurumende iripo. Kushandisa kuberekwa kwemari semugove wekutanga paimba yemari yakakosha kunowanikwa, asi mukuita zvakaoma kuita izvi. Dambudziko guru riri muchokwadi chokuti kune vashomanana zvikwereti uye masangano ebhengi ayo anoda kugamuchira sekubhadhara kokutanga chiiti. Kunyange kana iwe ukwanisa kuwana sangano rakadaro rezvemari uye ukakumbira chikwereti kutenga imba yekuberekwa kwemhuri, zvino zvichida chikwereti pachikwereti chichave chakanyanya kudarika pane paunenge uchitenga chikwereti chekutanga nemari yako. Chinhu chinonyanya kubudirira ndechokushandisa mari yako yekubhadhara chikamu chekutanga uye kutumira mari yemubereki mukuru kuderedza chikwereti chemari chikwereti.

Mari yechikwata chemhuri yekutenga imba: murayiridzo wekunyora

Muchiitiko ichi, chirongwa chinoratidzika zvakajeka:

• Zvakakosha kushanda kubhangi kana kambani yekwereti uye kuronga chikwereti ipapo uchishandisa mari yako yekubhadhara chikamu chekutanga;
• Kutenga chivakwa chekugara, pave kugamuchira chidziro chekuzivisa huri hwehumba hwekugara;
• Shandisa kuhofisi yemaRussia yeRussia panzvimbo yekugara nechinangwa chokunyora chikumbiro chekutumira mari yekuripira chikamu chechikwereti, pachinotengeswa icho imba yakatengwa nokuda kwekuberekwa kwevana;
• Sezvo wagamuchira chisarudzo chakanaka mushure mekutarisa chigadziro ichi uye kuwana ruzivo rwakakosha, iwe unofanirwa kuonana nebhangi kuti ujekese zvimwe zviito.

Kupedzisa danho

Paunenge uchishanda kune chikwereti chemari yepenheni mushure mokunyora chikumbiro, iwe unofanira kuuya nemwi mapepa akafanana akanyorwa mu "Chikamu chekuwana imba nemashandisirwo emari yehurumende. Kutsigira "uye chibvumirano nebhangi. Uyezve, iwe unofanira kuwana chikamu kubva kune chikwereti chekwereti chinoratidza kuvapo kwechikwereti uye chiyero chacho. Mushure mokunge mapepa ose aendeswa kuRF Pension Fund, zvakakosha kumirira chisarudzo chayo, sekutanga, nguva yekudzokorora haina kudarika mazuva makumi matatu.

Kutenga imba yemhuri yekuberekwa kunotora nguva yakawanda, asi uchishandisa iyi mafomu ekutsigirwa kwehurumende, unogona kubhadhara chikamu chemari yechikwereti cheimba.