Chaizvoizvo, maererano nemutemo, chikamu chechidiki chebasa iri rekubhadharwa mari mune zvakawanda zvemashekeri makumi maviri nezviviri zvinogona kugamuchirwa nemari. Muchikamu chino, tichakuudza kuti ndezvipi uye kuti ungazviita sei, uye kana zvichikwanisika kubhadhara mari yakasara yekuberekwa kwekugadzirisa kushandiswa kune zvimwe zvinangwa.
Ungabhadhara sei mabhiriyoni makumi maviri emakumi matanhatu kubva mumubereki mukuru?
Mari yakawanda makumi maviri nemazana makumi maviri emabhorosi kubva kumubereki mukuru inogona kuva pakarepo, kana mhuri ichinge yapiwa chikwangwani. Kuti uite izvi, iwe uchafanira kuuya kuDhipatimendi rePension Fund yenzvimbo yako yekugara kana imwe Multifunctional Center yekugoverwa kwebasa revanhu munzvimbo yako yekugara uye kuratidza chido chako mukunyora.
Mukuwedzera, iwe unofanirwa kugovera tsanangudzo yekodhi iyo iyo Purezidheni yemuPurusi inotumira chikamu chaicho. Muchiitiko ichi, kana usati washandisa kodzero yekutengesa mutero wemubereki, uye mari yaunogona kuisara iri pasi pe20,000 rubles, iwe uchapiwa huripo. Kunyora mari iyi kunogona kuva yakakwana kune chero chinangwa, mutemo unopa vabereki vaduku rusununguko rwakakwana rwekuita munyaya iyi.
Inofanira kutarisirwa mupfungwa kuti mukana wekushandisa kumatare ehurumende kuitira chinangwa chekubhadhara mabhiriyoni makumi maviri emakumi maviri kubva mumhuri dzemhuri maererano nemutemo inopiwa chete kusvikira pakupera kwaMarch 2016.
Nzira yekubhadhara sei amai vekuberekwa mberi uye mushure memakore matatu?
Zvakakosha kusimbisa zvakare kuti hazvibviri kukwanisa kubhadhara mari yekuberekwa nemamwe nzira. Iyi mari inogona kutarirwa chete kune zvimwe zvinangwa, zvakanyatsorongedzwa nemutemo wezvino weRussian Federation, uye chete nekusagadzikana kwemari.
Mukuwedzera, mune dzimwe nguva, kushandisa mari iyi, mhuri yechidiki inofanirwa kutarisira nguva iyo mwana wavo, nekuda kwekuzvarwa kwake kodzero yekuigamuchira, achasvika makore ane makore matatu. Kunyange zvakadaro, kune zvishoma zvishoma kune mutemo uyu - unogona kushandisa mari iyi mushure mekushanda kwemwana wemakore matatu nekuda kwezvinangwa zvinotevera:
- kubhadhara nekuvhara chikwereti, chakatorwa kusati kwazvarwa mwana;
- sekubhadhara kwekutanga kwekunyorwa kweimba yechikwereti chitsva;
- nekuda kwemidziyo yekugara kwekugara nekuwana nzira dzakakosha yekugadzirisa uye kushandiswa kwevanhu mumamiriro ezvinhu kana mwana wacho asina simba.
Gare gare, apo mwana anosvika pazera remakore matatu, mari iyi inogona kutungamirirwa kutenga nzvimbo yekugara pasina kubhadhara, kubhadhara dzidzo yemwanakomana kana mwanasikana mune imwe nzvimbo yezvidzidzo, uyewo kugara muimba yekuvako kana kuwedzera mari yemhuri yemberi.
Kuti uone zvinangwa izvi zvose, zvichave zvakakosha kuunganidza zvigadziro zvemasvomho uye kuzviisa kune FIU kuti zvibvumirwe. Kana iyo inenge yasarudzirwa inotenderwa, mari yacho ichaendeswa kunhoroondo yevatengesi kana vatengi mumugwagwa.
Nzira yekubhadhara sei mari yekuberekwa kwenharaunda?
Mune dzimwe nzvimbo, kusanganisira St. Petersburg, Nalchik, Irkutsk, Magadan nevamwe, mamwe mahedheni okubhadhara anowanzonziwo nhasi, ayo akagadzirirwawo kubatsira mhuri yechidiki yakasarudza kuva nevana vakawanda.
Izvo hazvibviriwo kubudisa mari yemunharaunda yemunharaunda, asi inogona kutungamirirwa kune zvinangwa sokutenga dzimba, kuvakwa kweimba yekugara uye kutenga zvinhu zvekuvaka, kudzidziswa uye kurapwa kwemwana, kutenga motokari nevamwe. Mikana yekushandisa mubhadharo uyu inowanzosiyana kubva munzvimbo kuenda kune imwe nzvimbo, kuitira kuti tsanangurire mamiriro ezvinhu zvakadzama zvakakosha kuti utaure nedhipatimendi rekuchengetedzwa kwevanhu munzvimbo yako yekugara.