Kodi ndalama zazikuluzikulu zimaperekedwa?

Kubadwa kwa mwana kumadzaza ndi zinyalala zambiri. Pa nthawi yomweyi, mwana wamng'onoyo ndi chinthu chimodzi: ndalama zochepa zimakhala m'manja mwa makolo ambiri, koma pankhani ya kuphunzitsa kapena kukonza nyumba - mabanja ambiri alibe chiyembekezo chachikulu ndipo amangokana kubadwa kwa wolowa nyumba wachiwiri chifukwa cha mavuto azachuma. Mu 2007, boma linadzipereka kuthandizira mabanja achichepere ndikuthandizira kuthetsa vuto la chiwerengero cha anthu, omwe panthawiyo anali kuchepa, mothandizidwa ndi pulogalamu yapadera - "Mother Capital".

Malingana ndi zotsatira za zaka zapitazi, zikhoza kuweruzidwa kuti pulogalamuyi yakhala ikubala chipatso - kubala kwa dziko la Russia kunakula kwambiri chifukwa cha maonekedwe a mabanja a ana achiwiri ndi omwe adatsatira. Zothandizira boma, zomwe zinalembedwa chaka chilichonse, zathandiza kwambiri mabanja achichepere. Ndipotu, makolo akhoza kugwiritsa ntchito ndalama kuti agule nyumba, kuphunzitsa ana ndi zosowa zina za mamembala onse a m'banja. Poyamba, mapeto a pulojekiti ya "Mother Capital" anakonzedwa kumapeto kwa 2016. Choncho, amayi ndi abambo ambiri akukonzekera kubadwa kwa mwanayo mu 2016 ndipo zaka zotsatila ndi kuleza mtima akudikira chigamulo chomaliza kuchokera ku boma chokhudzana ndi malipiro owonjezera. Chabwino, tiyeni tiwone ngati chiwerengero cha amayi akuyamwitsa chikufutukulidwa, ndi zaka zingati komanso ndi mawu ati?

Kodi azimayi omwe ali ndi amayi omwe ali ndi amayi omwe ali ndi amayi omwe ali ndi amayi omwe ali ndi amayi omwe ali ndi amayi omwe ali ndi amayi awo amakula?

Mtsutso wokhala ngati chiwerengero cha amayi omwe ali ndi amayi omwe akukhala ndi amayi owonjezeredwa kuwonjezereka mu 2016 sunakhalepo kwa nthawi yaitali. Choncho, mphekesera ndi matembenuzidwe a anthu adawonekera nemereno. Mmodzi wa iwo akunena kuti mawu akuti kubereka kwa amayi amakula mpaka chaka cha 2025, pamene wina amatsutsana ndi mfundoyi, motsogoleredwa ndi chisamaliro cha ndalama. Ophunzira adakangana ndi zoletsedwa zomwe zinaperekedwa pazomwe angagwiritsire ntchito ndalamazo. Komabe, zonse zili ndi dongosolo komanso zodalirika.

Poyankha funsoli, mpaka chaka chomwe chiwerengero cha kholo likulonjezedwa, n'zotheka kunena ndi chidaliro kuti pulogalamuyi idzaleka kugwira ntchito mpaka 2018. Pulezidenti wa Russian Federation V.Putin anaona kuti ndi koyenera kukana zochitika zoterezi. Inde, adavomereza kuti ndalama zambiri zimagwiritsidwa ntchito pazigawo za bajeti, koma zotsatira zake ndizofunikira. Malingana ndi chidziwitso cha boma, pulogalamu yaikulu ya amayi omwe ali ndi amayi akuloledwa mpaka kumapeto kwa 2018. Pa nthawi yomweyi, zikhalidwe zogulitsa zilembo zimakhalabe zofanana, koma malo ogwiritsira ntchito akuwonjezeka. Pambuyo pokonzanso ndalamazo, analoledwa kuchoka ndikuperekera ndalama zokwana 20,000 rubles kuti azisamalira ndi kukonzanso nyumba za ana olumala, komanso kubwezeretsa kwawo popanda kuyembekezera kuphedwa kwa ana kwa zaka zitatu. Mwachitsanzo, mungagwiritse ntchito ndalama pazipinda zapadera, zothandizira zomwe zimapangitsa kuti pakhale chitukuko, komanso ana omwe ali ndi matenda a ubongo, mukhoza kugula zipangizo zoyenera komanso zipangizo zamakono. Kwa ana omwe ali ndi mavuto owona, mungathe kugula mabuku apadera ndi makibodi omwe ali ofunikira kuti aphunzitse ndi kusintha.

Kumbukirani kuti mbuyomo ndalama zazikuluzikuluzi zimatha kugwiritsidwa ntchito pokhapokha pokhapokha ngati nyumba ikugwiritsidwa ntchito komanso kuti pakhale njira zowonjezera nyumba, kupanga ana, kupanga mapepala a amayi anga.

Kotero ife tinapeza kuti chaka chomwe chiwerengero cha amayi akubadwira ku Russia chafutukulidwa, tsopano tiyeni tiyankhule za kuchuluka kwa ndalama ndi malandilidwe ake. Mu 2016, mkazi aliyense amene anabala mwana wachiwiri kapena wotsatira ali ndi ufulu wopereka ndalama kuchokera ku boma mu ndalama zokwana 453 000 rubles, mu 2017 - ndalamayi iyenera kukhala ma ruble 480,000, ndi mu 2018 - 505 000 rubles.

Komanso, kwa zaka zingati zaonjezera ndalama za amayi oyembekezera, zinkatheka kupeza nthawi yomwe ingatheke kusunga ndalama zomwe analandira. Tikufulumira kuti tiwatsimikizire makolo, ndalama zomwe analandira zingakhale zofunidwa, ndikupempha chilolezo chokhala ndi mwana wamasiye, makolo ali ndi ufulu nthawi iliyonse pambuyo pa kubadwa kwa mwanayo, panthawi yomwe banja likusowa thandizo.