QR Enbek jәne halyqty әleumettik qorghau ministri Birjan Núrymbetov zeynetaqy jinaqtarynyng bóligin paydalanugha qatysty týsinikteme berdi. 

Núrymbetovtyng aituynsha, Birynghay zeynetaqy qorynan ( BJZQ) jinaqtardyng bir bóligin alu qúqyghyn kelesi azamattar paydalana alady:

1.Zeynetaqy jinaqtary bar, enbekke jaramdy jastaghy azamattar – «jetkiliktilik shegi» dep atalatyn somadan asatyn bir bóligi (shamamen 529,7 myng adam).

Negizgi qaghidat – zeynetaqy jinaqtary azamattardyng jinaqtaushy zeynetaqy jýiesinen (búdan әri – JZJ) bolashaq zeynetaqymen qamsyzdandyryluy ýshin qajet. Sondyqtan, belgili bir soma zeynetaqy shotynda qaluy kerek. Osy somanyng artyghyn azamattar óz qalauy boyynsha qajettilikterine paydalana alady.

2.BJZQ-da jinaqtary bar zeynetkerler - qalghan somanyng 50%-yna deyin (shamamen 178,4 myng adam).

Azamattardyng osy sanatynda jiyntyq zeynetaqy (jasyna baylanysty zeynetaqyny, bazalyq zeynetaqyny jәne BJZQ-dan tólemderdi qosa alghanda) joghalghan tabys (búryn alynghan jalaqy) mólsherining keminde 40%-yn qúraugha tiyis.

3.Zeynetaqy annuiytetin resimdegen jәne әli de jinaqtary bar azamattar – BJZQ-da qalghan somany (shamamen 13,3 myng adam).

«Osylaysha, zeynetaqy jinaqtarynyng bir bóligin maqsatty paydalanu mýmkindigin 721 mynnan astam qazaqstandyq paydalana alady», – dedi Birjan Núrymbetov.

Ministrding aituynsha, «jetkiliktilik shegi» belgili bir jastaghy salymshygha zeynetaqy jinaqtarynyng eng az qajetti somasy degendi bildiredi, ol soma onyng tabysynan BJZQ-gha túraqty týrde jýzege asyrylatyn 10% zeynetaqy jarnalaryn (eng tómengi jalaqydan tómen emes) eskere otyryp, 82 jasyna deyin eng tómengi zeynetaqy mólsherinen kem bolmaytyn zeynetaqy tólemderimen qamtamasyz etuge mýmkindik beredi.

«Jetkiliktilik sheginin» negizgi parametrleri:

- әielder men erler ýshin birdey;

- qalyptasqan parametrlerge (kiristilik, inflyasiya, eng tómengi tólem mólsheri jәne t. b.) sýiene otyryp, jana alushylar ýshin qayta esepteletin bolady);

- 20 jastan bastap әr jas ýshin esepteledi.

«Aldyn ala esepteuler boyynsha, mysaly, 30 jastaghy azamattar ýshin «jetkiliktilik shegi» 2 mln. 518 myng tengeni qúraydy. Osy somadan qalghanyn olar jogharyda kórsetilgen qajettilikterge qalauy boyynsha júmsay alady. 35 jas ýshin – 2 mln. 961 myng tenge; 40 jas ýshin – 3 mln. 437 myng tenge; 45 jas ýshin – 3 mln. 947 myng tenge; 50 jas ýshin – 4 mln. 495 myng tenge; 55 jas ýshin – 5 mln. 084 myng tenge; 59 jәne odan ýlken jas ýshin – 5 mln. 586 myng tenge. Osy «shekti» somalargha qol jetkizu tabysy el boyynsha ortasha ailyq jalaqy dengeyinde bolatyn túraqty júmys isteytin azamattar ýshin qoljetimdi», – dep týsindirdi ministr.

Birjan Núrymbetov sonday-aq jogharyda atalghan sanattaghy azamattar zeynetaqy jinaqtarynyng bir bóligin túrghyn ýy jaghdayyn jaqsartu maqsatynda nemese ózderi, erli-zayyptylar nemese jaqyn tuystary (atalary/әjeleri, ata-analary, balalary, nemereleri, agha-inileri) ýshin emdeluding aqysyn tóleu ýshin paydalana alatynyn atap ótti. Maqsatty paydalanu ýshin osy otbasy mýshelerining qarajatyn biriktiruge bolady.

«Belgilengen talaptargha sәikes kelgen jaghdayda alyp qoy sany boyynsha shekteuler kózdelmegen, yaghny azamattar zeynetaqy jinaqtarynyng bir bóligin bir nemese basqa maqsatqa qayta paydalana alady», – dep atap ótti ol.

Túrghyn ýy jaghdaylaryn jaqsartu ýshin zeynetaqy jinaqtarynyng bir bóligin paydalanu túrghyn ýy (bastapqy jәne qaytalama naryqta) nemese jer uchaskesin satyp alu, ipotekalyq qaryzdardy qayta qarjylandyru nemese óteu (kez kelgen ekinshi dengeydegi bankte, kez kelgen baghdarlama boyynsha), óz túrghyn ýiin salu nemese jóndeu mýmkindigin jәne túrghyn ýy jaghdaylaryn jaqsartudyng basqa da núsqalaryn kózdeydi. Zeynetaqy jinaqtaryn paydalana otyryp satyp alynghan túrghyn ýy 5 jyl ótkennen keyin ghana satyluy mýmkin.

«Bir tereze» qaghidaty boyynsha zeynetaqy jinaqtarynyng bir bóligin túrghyn ýy jaghdayyn jasqartugha maqsatty paydalanugha Uәkiletti operator retinde qayta qúrylatyn «Otbasy Banki» («Túrghyn ýy jinaqtaushy banki» AQ – TÝQJB) úsynylady.

Zeynetaqy jinaqtaryn tóleu esebinen túrghyn ýy jaghdaylaryn jaqsartu tәrtibin QR Industriya jәne infraqúrylymdyq damu ministrligi bekitedi.

Zeynetaqy jinaqtarynyng bir bóligin emdelu tólemine paydalanu ýshin salymshy Densaulyq saqtau basqarmalary (oblystar, respublikalyq manyzy bar qalalar) janynan arnayy qúrylghan komissiyalargha jýginedi dep boljanuda. Medisinalyq kómek kórsetu qajettiligi turaly komissiyanyng qorytyndysyn alghannan keyin, emdeluden ótu ýshin klinikany tandaghannan keyin salymshy emdeluge aqy tóleu ýshin tólengen zeynetaqy jinaqtaryn maqsatty paydalanu jónindegi ótinimmen uәkiletti operatorgha (QR Ýkimeti aiqyndaytyn bolady) jýginedi.

Zeynetaqy jinaqtaryn tóleu esebinen medisinalyq kómek alugha azamattardy jiberu qaghidalaryn QR Densaulyq saqtau ministrligi aiqyndaytyn bolady.

Salymshy zeynetaqy jinaqtaryn basqarugha beru ýshin jeke qarjy kompaniyasyn tandaudy BJZQ-gha ótinish beru arqyly jýzege asyrady.

Zeynetaqy aktivterin senimgerlik basqarugha beru qaghidalaryn QR Qarjy naryghyn retteu jәne damytu agenttigi aiqyndaytyn bolady.

Búl tәsilder Memleket basshysy tarapynan qoldau tapty. Olardy iske asyru ýshin aghymdaghy jyldyng sonyna deyin barlyq tiyisti normativtik qúqyqtyq aktiler qabyldanyp, dayyndyq júmystary jýrgiziletin bolady. 2021 jyldan bastap jogharyda atalghan sanattaghy azamattar BJZQ-daghy jinaqtardyng bir bóligin maqsatty paydalanu ýshin alu qúqyghyn iske asyra alady.

Ayta keteyik, búghan deyin Preziydent Toqaevtyng halyqqa arnaghan joldauynda zeynetaqy jinaqtarynyng bóligin paydalanu mәselesi qarastyrylghan.

«2021 jyly Birynghay jinaqtaushy zeynetaqy qorynyng 700 myng salymshysy óz jinaghynyng bóligin ýy alu, emdelu ýshin paydalana alady nemese qarjy úiymdarynyng basqaruyna bere alady. Ýkimetke Últtyq bankpen birlese jyl sonyna deyin tiyisti normativtik-qúqyqtyq aktilerdi qabyldaudy jәne dayyndyq júmystaryn jýrgizudi tapsyramyn. Búl reforma iske assa, túrghyndargha zeynetaqy jinaghyna aqsha salugha stimul bolady. Túrghyn ýy mәselelerin ózdiginen sheshuge tabysy jetpeytin azamattargha әleumettik qoldau kórsetiledi», – dedi Toqaev.

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