Kwenikweni, molingana ndi lamulo, gawo lochepa chabe la ndalama zowonjezereka zowonjezera ndalama zokwana 20,000 za ruble zingalandire ndalama. M'nkhaniyi, tidzakudziwitsani kumene mungapeze, komanso ngati n'zotheka kulandira ndalama zotsalira za amayi omwe akutsalira kuti mukwaniritse cholinga china.
Kodi mungatani kuti mupeze ndalama zokwana 20,000 kuchokera ku kholo lalikulu?
Kulipira ndalama 20,000 za rubles kuchokera ku kholo lalikulu zingakhale pomwepo, banja likapatsidwa kalata. Kuti muchite izi, muyenera kubwera ku Dipatimenti ya Pulezidenti ya Pakhomo komwe mukukhala kapena Msonkhano Wonse Wopindulitsa kuti mupereke ntchito zapadera m'dera lanu lokhalamo ndikufotokozera chikhumbo chanu polemba.
Kuonjezerapo, muyenera kupereka tsatanetsatane wa akaunti yomwe bungwe la Fund Pension lidzatumizira ndalamazo. Pankhaniyi, ngati kale mutagwiritsa ntchito ufulu wogulitsa kholo, ndipo ndalama zomwe mungathe kutaya ndizochepa 20,000 rubles, mudzapatsidwa ndalama. Kugwiritsa ntchito ndalama izi kungakhale kopanda cholinga chilichonse, lamulo limapatsa makolo achichepere ufulu wotsutsa pankhaniyi.
Izi ziyenera kukumbukira kuti kuthekera kwa kugwiritsa ntchito matupi a boma pofuna kutulutsa makombola 20,000 kuchokera ku ndalama za banja malinga ndi lamulo kumaperekedwa mpaka kumapeto kwa March 2016.
Momwe mungatulutsire ndalama za amayi omwe asanabadwe kale komanso pambuyo pa zaka zitatu?
Ndikoyenera kugogomezera kachiwiri kuti sikutheka kuthetsa ndalama zazikulu za amayi ndi njira zina. Ndalamayi ikhoza kulongosoledwa pazinthu zenizeni, zogwirizana ndi malamulo a Russia, komanso ndalama zokhazokha.
Kuwonjezera apo, nthawi zambiri, kuti agwiritse ntchito kulipira, banja laling'ono liyenera kuyembekezera nthawi imene mwana wawo, chifukwa cha kubadwa kwake kulandila, adzafika zaka zitatu. Komabe, pali zochepa zochepa pa lamuloli - mutha kugwiritsa ntchito ndalamazi musanayambe kugwira ntchito ya mwana wamwamuna wazaka zitatu zokwaniritsa zotsatirazi:
- kulipira ndi kutseka ngongole, yomwe idatengedwe asanabadwe mwana;
- ngati kulipira koyamba kwa kulembedwa kwa ngongole yatsopano;
- chifukwa cha zipangizo zogwiritsira ntchito malo okhala ndi kupeza njira zenizeni zowonetsera ndi kusinthira chikhalidwe ngati mwanayo alibe vuto.
Pambuyo pake, pamene mwanayo ali ndi zaka zitatu, ndalamazi zikhoza kugula malo ogona popanda kubwereka, kulipira maphunziro a mwana wamwamuna kapena wamkazi ku sukulu yophunzitsa, komanso kukhala mu malo osungiramo ndalama kapena kuwonjezera penshoni ya amayi amtsogolo.
Pofuna kukwaniritsa zolinga zonsezi, zidzakhala zofunikira kusonkhanitsa zikalata zofunika ndikuzipereka kwa FIU kuti avomereze. Ngati ntchitoyo ikuvomerezedwa, ndalama zidzasinthidwa ku akaunti ya wogulitsa kapena wogulitsa ngongole.
Kodi mungagwiritse ntchito bwanji ndalama zamakono?
M'madera ena, kuphatikizapo St. Petersburg, Nalchik, Irkutsk, Magadan ndi ena, malipiro ena am'deralo akufotokozedwanso lero, omwe apangidwira kuthandiza banja laling'ono lomwe lasankha kukhala ndi ana angapo.
Sizingatheke kuti mupeze ndalama zamakono, koma zingathe kugwiritsidwa ntchito monga kugula nyumba, kumanga nyumba yokhalamo ndi kugula zipangizo zamatabwa, maphunziro ndi chithandizo cha mwana, kugula galimoto ndi ena. Zowonjezereka zogwiritsira ntchito malipiro amenewa zimasiyana kwambiri kuchokera kudera lina kupita ku dera, kotero kuti tifotokoze momveka bwino zomwe zili zofunika kuti tilankhule ndi dipatimenti yotetezera chitetezo m'dera lanu.