Mari yechikwata chekuvakirwa kweimba yekuberekwa kwemhuri

Maternity capital inonyanya kukosha kwekurudziro yemari yemhuri yevagari veRussia, umo mwana wechipiri kana mwana anotevera akaonekwa kubva muna 2007. Pakazosvika gore ra2016, chikamu chepakutanga chekubhadharwa kwekugara kwevanhu kwave kuchidzokororwa zvakare, uye kusvika musi wehukuru hwayo hunodarika mazana makumi mana emabhururi. Iyi mari inobvumira mhuri zhinji kugadzirisa dambudziko reimba uye kuwedzera nzvimbo yavo yekugara.

Kunyangwe zvisingakwanisi kubhadhara ichi chiyero chekukurudzira mhuri nevana, pane nzira dzakawanda dzekushandisa kodzero yekurasa mari iyi. Kusanganisira, mhuri-vadzidzisi vechipikiti vane kodzero yekuwana chikwereti chekuvakwa kweimba kumhuri yekuberekwa kana kubhadhara chikwereti chakanga chapiwa kare. Muchikamu chino, tichatarisa hunyengeri hwemuitiro uyu uye tinokuudza kuti zvipi zvinyorwa zvinogona kudiwa kuitira kutengesa kubhadharwa kwepakati pevanhu kusvika pakubhadhara kana kubhadhara chikwereti.

Nzira yekukweretesa chikwereti chekuvakira sei imba yekuberekwa kwemhuri?

Kuti uratidze chikwereti chekuvakwa kwemusha nekushandiswa kwemhuri yemubereki sechikamu chekubhadhara kwokutanga, unofanira kutumira chikumbiro chakanyorerwa kubhangi kana imwe imwe nzvimbo yezvemari nechikumbiro chekupa mari inoda kudiwa. Mariri, iwe uchafanirwa kutsanangura mari yakawanda yaunoda kugamuchira, uye kuti unoronga sei kuvashandisa. Uyezve, bhagheni inofanira kunge ichipa ikopikopi yechipiti chechibereki.

Zvakakosha kuziva kuti zvikwereti zvakadaro hazviitiki nezvose zvikwereti zvekwereti. Semitemo, kune zvikwereti kuitira chinangwa chokuvaka imba yekugara vachishandisa nzira dzehutano hwehupfumi, dzinoshandiswa kune Sberbank yeRussia kana VTB 24 Bank.

Mushure mokunge chikwereti ichibvumirwa, unofanirwa kuswedera kuPensheni Fund pakero yepamutemo yekunyora uye nekunyora kunyorera chikamu kana kuti yose yehutano hwekuberekwa kubhadhara chikwereti pakuvaka imba. Kuti urongwa huchauya huchagadziriswa, uchafanirwa kutora zvinyorwa zvakawanda, zvinotevera:

• chibvumirano chechikwereti, mumashoko ayo chinangwa chokuwana chikwereti chemari chinofanira kuratidzirwa - kuvaka kweimba yekugara pane imwe nzvimbo iri pane imwe nzvimbo;
• magwaro emutemo pamunyika ino;
• mvumo yekuvaka chivakwa chekugara;
• inopupurirwa mu notary office kusungirwa kugovera zvikamu muimba yakagadzirirwa kune chikwata chemutungamiriri, mudzimai wake wepamutemo uye mwana mumwe nomumwe mumwe nomumwe.

Mukuwedzera, kana kuvakwa kweimba kuchizoitwa kwete nemasimba emhuri, asi nekubatanidzwa kwekontrakiti, nekuwedzera iwe uchafanira kupa kopi yesimboti nesangano.

Kana mabhuku akaendeswa ane ruzivo rwakakwana, uye kutengeserana kwakagadzirirwa hakuputse kodzero dzemunhu chero upi zvake wemhuri, kukumbira kwako kuchapiwa. Ive mwedzi miviri mushure meizvi, mari ichaendeswa nePensheni Fund kuenda kune imwe nyaya yezvemari.

Zvakanyatsofanana, zvinobvumirwa kutumira chikamu chekuberekwa kwemhuri kubhadhara chikwereti chekuvakwa kweimba yekugara yatorwa kare. Muzviitiko zvose izvi, haufaniri kumirira kukanganisa kwechidiki chemakore matatu - iwe unobvumirwa kushandisa kodzero yako pakarepo mushure mokuwana chiziviso chemhuri.