Xa uthenga igumbi, indlu okanye umhlaba unokubuyiselwa kwinxalenye yeemali kwinani lerhafu ehlawulwa. Ukuncitshiswa kuyamenywa ukuba ungene kumqeshi okanye ngovavanyo lwerhafu
Ifoto: I-Legion-Media
Ukuba, xa ukuthenga izindlu, imali yemali isetyenzisiwe, umthengi unelungelo lokufumana ukuncitshiswa kwerhafu ezimbini: eyona pesenti yemali.
Ukutsalwa okuqhelekileyo
Ukuncitshiswa kwepropathi kukubuyisa kweendleko (ngaphandle kwethuba labo lokudalwa): Ukufunyanwa kunye nolwakhiwo lwezindlu; Ukuthenga iyelenqe lomhlaba nge-cottage eyindawo yayo okanye ukwakha indlu; ukuhlawula inzala kwimali mboleko ethageni (i-mbolekore); Ukulungiswa kwendlu, ukuba umoyiki uthe wathembisa ngaphandle komhombiso.
Ukuncitshiswa ngokubanzi akunalungelo lokufaka ibango lezo sele zifumene okanye ezifumene izindlu kubantu abaxhomekeke ekuhlaleni (iqabane, abantwana, abantakwabo, kuba iinjongo zonakala kuphela ziyimali kuphela. Ukuncitshiswa kungafumani kuphela umnini, kodwa kunye neqabane lakhe ukuba igumbi okanye indlu ithengwa umtshato ngenxa yaso nasiphi na isizathu azange sisebenzise ithuba lokungabinamali.
Ukongeza, ukuncitshiswa kuthathelela umzali womnini-mveliso omncinci (umnini-nye) wezindlu (kunikwa ukuba kwenziwe imbuyekezo yerhafu). Umthetho ubonelela ngokubuya kwemali yomthengi kuphela. Oko kukuthi, ukuncitshiswa akusebenzi kwimali enkulu, iintlawulo ezivela kwi-federal kunye nohlahlo-lwabiwo mali lwasekhaya (umzekelo, ukuba imbuyekezo yomonakalo wezendalo ngenxa yentlekele yemvelo okanye igumbi lendalo phantsi kwenkqubo enkulu) , imali eyabelwe ngumqeshi.
Kuya kufuneka kuqatshelwe ukuba inani lisetyenziselwa ukumisela ubungakanani bokuncitshiswa, eboniswe kwimvumelwano yentengiso. Ke ngoko, kumaxwebhu, kuluncedo ukubonisa inani langoku lentengiselwano. Ukuba ixabiso lokuthenga alijongwanga, liya kuncipha kwaye linciphise.
Ifoto: I-Legion-Media
Ukubuya kweNgxowa mali
Ukuncitshiswa okuphambili xa uthenga ukuba igumbi kwimali mboleko inikezelwa yi-PP. I-3 p. Ubugcisa. I-220 yekhowudi yerhafu yeRussian Federation. Ngapha koko, kwaye ngokusemthethweni, yahlukile kuncitshiso xa kuthengwa ngaphandle kokubandakanyeka kwemali yasekhaya. Ubungakanani bembuyekezo yembuyekezo eyi-2 yezigidi. Ukubuya kuxhomekeke kwi-13% yexabiso, oko kukuthi, kule meko, kwi-260 lamawaka ama-ruble. Ilungelo lokuthathwa kuphakama emva kokufumana isenzo sokufumana igumbi (xa sithenga phantsi kwemvumelwano yokuthatha inxaxheba kwemvumelwano) okanye iSatifiketi soBhaliso lwePropathi (Thenga kwaye sithengisiwe).Amaxwebhu kuhlolo lwerhafu avunyelwe ukuba angenise ekupheleni konyaka (ixesha lerhafu) xa ilungelo lembuyekezo livele. Ukongeza kokuncitshiswa okuphambili, i-cerebral inokuthembela kwi-pesenti (13%) ipesenti ehlawulwa kwimali mboleko yemali mboleko (iphe. 4 yomhlathi 1 wobugcisa we-Russian Federation). Kufuneka inyangwe ukuba ukuncitshiswa kungabonelelwa ngeentlawulo kwityala eliyintloko, eliyile kwintlawulo yokusetyenziswa kwezixhobo zeminerali (ipesenti).
Ilungelo lokubuyisa inzalo yokubambisa lenzeka ngaxeshanye kunye nelungelo lokuthathwa okuphambili. Ukuba imali mboleko ikhutshelwe ngaphambi konyaka, isatifikethi sobunini (okanye isenzo sodluliselo kunye nosulelo losulelo) safunyanwa, emva koko kwahlawulwa kwipesenti yentlawulo kwiintlawulo zemali mboleko zinokufakwa ekuhlawuleni. Elona xesha liphezulu lokuncitshiswa zizigidi ezi-3 zezigidi ze-ruble, ifanele ukubuyela kwi-ruble yamawaka angama-390. Oko kukuthi, xa uthenga izindlu, isixa sokuthathwa komdla wokuthenga ngetyala kuhlala kugqitha ukubuya kwi-Celing ephambili.
Ithagethi Ityala
Ukubuyiselwa kwemali ngokuxhomekeka kuphela xa izindlu zithengwa kusetyenziswa umboleko, kodwa xa usebenzisa nayiphi na iMboleko yeBaleko (isiqendu 4 somhlathi we-Russian Federation kunye neleta yeSebe lezeMali I-Federation yoliwe ye-19.06.20. 03-04-07/ 29416).
Ukuba ucelomngeni lubonelelwe, umzekelo, umqeshi kunye nemvumelwano kuboniswa ukuba imali yenzelwe ukufunyanwa okanye ukwakhiwa kwezindlu, unokufumana irhafu yomdla. Kuyimfuneko ukunikela ingqalelo kumhla wokufumana imali mboleko. Ngapha koko, akukho zithintelo kwisithuba sokungalungisi, kodwa irhafu yengeniso iya kuba nakho ukubuyisela iminyaka emithathu, kwaye ukukwazi ukufumana imbuyekezo yepesenti yavela kuphela emva kowama-2014
Ukongeza, kukho izithintelo zomthetho ezinxulumene nobungakanani kunye nokuqulunqwa kokuncitshiswa.
Ke, ukuba izindlu zithengiwe ngaphambili kune-2008, imbuyekezo ifikelela kwi-1 yezigidi i-rubles. Xa uthenga igumbi lokubhalwa kwendlu ngaphambi kwe-1 kaJanuwari, 2014, irhafu yengeniso ekuhlawuleni inzala yemali mboleko ibuyisiwe ngemali epheleleyo, ngaphandle kwezithintelo. Ukuba ipropathi ithengwa emva kwe-1 kaJanuwari ngo-2014 isebenzisa imali yemali, emva koko i-3 yezigidi ruble inqunyelwe ekutsaleni.
Okokugqibela, ngokweleta yeCandelo lezeMali lezeMali le-Russian Federation yomhla we-16 kuDisemba, ngo-2014. 03-05: 6492-05, 64922, ukubuyiselwa kwemali yemali engahlawulelwayo ayihambelani nokuncitshiswa okuphambili. Ke, umniniyo unokwazi ukukhupha eyona nto iphambili kwinto enye yelifa, kwaye ubuyela kwinzala kwelinye. Umzekelo, ukuba igumbi lithengwe ngoncedo lwemali mboleko kwiinjongo zabathengi, unokufumana ipropathi yepropathi yemali yakho echithwe kwimali yakho yokuthenga, kodwa ayiyi kuba nakho ukusebenzisa imali ebolekwe kwimali ebolekwe kunye nepesenti.
Ifoto: I-Legion-Media
Iintlawulo zoNyaka
Ukuncitshiswa kungangahlawulwa ngokupheleleyo ngokupheleleyo, kodwa ukwahlulahlulwa zangamaxesha aliqela kwirhafu. Ngexesha lonyaka, isixa sembuyekezo silingana nesixa esidweliswe kuhlahlo-lwabiwo mali njengerhafu yengeniso (i-13% yomvuzo). Ngenxa yoko, ukuba umvuzo ohlawulelwayo ohlawulelwayo awunamsebenzi, irhafu iya kubuya iminyaka eliqela.Masithi, fumana umvuzo ngo-2016 ngokubhengezwa kwerhafu yamawaka angama-500 iruble, utshilo igumbi lezigidi zeerandi. Irhafu yengeniso ifike kwi-65 lamawaka e-ruble, kunye nokuncitshiswa - ezingama-260 amawaka iruble. Ngokukhawuleza ngonyaka ka-2016, kuya kuba nakho ukufumana imbuyekezo kuphela kwi-65 yamawaka kuphela, kunye neli-195 eliseleyo le-ruble. Iya kubuyiselwa kwiminyaka elandelayo ngokulinganayo nenani lengeniso.
Qaphela ukuba akukho mfuneko yokuba ungenise isicelo ngaxeshanye ungenise isicelo seyona nto iphambili kwaye incitshiswe ngomdla wetyala ukuba inani lokuqala alisadinwanga. Emva kwentlawulo epheleleyo yokuncitshiswa okuphambili, ukwenza ulwazi malunga nokuhlawulwa kwenzala kunye nokubonelela ngamaxwebhu afanelekileyo, umthengi wokuthengiswa kwezindlu unelungelo lokufumana i-reashini yesibini.
Iphakheji yamaxwebhu
Ukwenzela ukunxibelelana nenkonzo yerhafu okanye kumqeshi ukuba babuyisele imali, kubalulekile ukudibanisa iphakheji yamaxwebhu aqinisekisa ukuthenga kwendlu ngoncedo lwemali yemali kunye nokwenza intlawulo ngenyanga nenyanga.
Khumbula ukuba iikopi zazo zonke iimbekiselo kufuneka ziqinisekiswe kwangaphambili. Kwangelo xesha, eli nqanaba linzima lobhaliso lwamaxwebhu kuthathwa njengokugcwalisa isibhengezo sesi-3 se-NDFL, kunye nezicelo ezinxulumene nokubuyiselwa kwerhafu kunye nokusasazwa kokuncitshiswa. Okuzifezekisayo ngakumbi le phakheji yokuhlolwa kwerhafu, ngokukhawuleza kwenziwe.
Ukutya kunye nokuqinisekiswa
Amaxwebhu aqokelelweyo kufuneka adluliselwe kuvavanyo okanye uthumele ngeposi. Kwimeko yokuqala, ingcali yenkonzo yerhafu iya kubajonga phambi komenzi-sicelo kwaye ibonise kwangoko loo mizuzwana kufuneka igqitywe. Nangona kunjalo, olu khetho lune-thabatha - umhloli werhafu unokufuna iimbekiselo ezongeziweyo ukuba umnini-ndlu akanyanzelekanga ukuba angenise xa ebhekisa ngaphantsi. Kwangelo xesha, inkqubo yokulungisa iya kulibaziseka, kuba ayivunyelwanga ukubhena kumaxwebhu (esi sigqibo kulula ukubhenela, kuba inkqubo efunwa nguMthetho inikezelwe qala ukwenza.
Ngaphambi kokuba uthumele amaxwebhu ngeposi, kuya kufuneka ubenze uluhlu. Ukungancediki kwale ndlela kukwenza ngaphandle konxibelelwano lomntu, kwixesha elizayo unokuphulukana nemikhosi emininzi. Emva kwayo yonke loo nto, kuphela emva kokujonga kwinkonzo yerhafu, kuya kuba nakho ukufumana ukuba yonke into ilandelwa nawo amaxwebhu. Ukuba bafumana abanye ukungachaneki okanye iimpazamo, emva kokufumana ukwala okubhaliweyo (kunye nokubonisa izizathu), kuya kufuneka isebenzise kwakhona iphakheji yonke.
Ukuqwalaselwa kwamaxwebhu kuthatha malunga neenyanga ezi-2-3. Kwinkqubo yokuqinisekiswa kwawo lomenzi-sicelo, inelungelo lokutsalela umnxeba kwi-Interpeciectorate ukucacisa okona kuphikisana okanye ukucela izingqinisiso ezongeziweyo. Emva kokuhlolwa kwabaphathi berhafu kwisithuba seentsuku ezilishumi zomsebenzi kunyanzelekile ukuba bathumele isaziso esibhaliweyo sesiphumo kunye nesigqibo (intlawulo okanye ukwala ukuthambisa). Ukuba isicelo samkelwe, ngelo xesha ukuya kwisithuba somhla wokungeniswa kwesicelo, umhloli werhafu kufuneka aguqulele isixa sokuncitshiswa kwiakhawunti, iinkcukacha ezazicacisiwe xa unxibelelana. Ngendlela, ukugcina ixesha, abahloli berhafu abasoloko bathunyelwa isaziso seziphumo zovavanyo, kwaye amaxesha amaninzi baguqulela imali kwiakhawunti. Ukwala ukubonelela ngokuncitshiswa kunokubhenelwa enkundleni.
Ifoto: I-Legion-Media
Ukuncitshiswa okuqinisekileyo
Zonke iindleko zeqabane zithathwa njengeziqhelekileyo. Ngokungagqibekanga, isixa sisasazwa kwizabelo ezilinganayo. Amaqabane anelungelo lokutshintsha minyaka le ukuba i-100 idweliswe kuyo idwelisiwe. Kude kube nguJanuwari 1, 2014, ukuDutywa kwiipesenti zemali mboleko zasasazwa kwindawo enye njengeyona iphambili. Emva kwalo mhla, imbuyekezo yepesenti ihlawulelwa ngokwahlukeneyo, ke amaqabane anelungelo lokwahlula kwezinye izinto, ekufuneka ukhangelwe kwingxelo kwiNkxaso-ngxelo.Ukuba izindlu zelungu elinye lamaqabane, umniniyo unelungelo lokufumana konke ukuncitshiswa (akukho ngxelo ifunekayo kule meko). Olunye ukhetho kunokwenzeka. Ke, imali inokwahlulwa phakathi kwamaqabane, ukulungisa ikhontrakthi kwingxelo malunga nokusasazwa kokutyiselwa. Xa iqabane lakho, kwipropathi yakhe ipropathi yelifa lemfundo, sele iqalile ukubuyisela imali, iqabane lesibini linelungelo lokuqhagamshelana nenkonzo yerhafu ukuba iphinde iphinde iphinde incitshiswe.
Nceda uqaphele: Ukuba omnye wamaqabane angakhange athathe ithuba, uya kuba nakho ukuyifumana kamva. Umzekelo, kufanelekile ukuba igumbi elifunyenwe emtshatweni kwaye elinye lamaqabane likhefu lokuya kubeleka kwinkathalo yomntwana.
Amaxwebhu okutsalwa kweRhafu
- Ipasipoti yoqobo okanye incwadi yokufaka isicelo kunye nekopi eqinisekisiweyo (engafakwanga kuluhlu lwamaxwebhu anyanzelekileyo, kodwa kuhlolo oluninzi lwerhafu akunyanzelekanga ukuba enze ngaphandle kwalo).
- Isibhengezo seRhafu sokuqala kwi-3špfl.
- Uncedo lweNgeniso kwiFom 2štl (funa uncedo kuzo zonke iinkonzo ze-seatis).
- Isicelo sokubuyiswa kwerhafu ngeenkcukacha zamanqaku ekufuneka kudweliswe kuyo imali.
- Isivumelwano semali mboleko, ngokungqinelana nemali ibonelela ngemali mboleko ngokhuseleko lwepropathi.
- Khupha i-akhawunti ethathwe yipesenti yombutho wetyala ngonyaka.
- I-Inn ž- Inombolo yomntu ngamnye yomrhafi (ukuba umenzi-sicelo akanaso isatifikethi sobhaliso kwiGunya leRhafu; ukufumanisa i-Inn kwi-Portal Gosuslugi.ru okanye kwiwebhusayithi ye-Federal Gosus.ru/ I-Innloby.do).
- Isicelo senkcazo yezabelo (ukuba igumbi elifunyenwe kwipropathi edibeneyo), ikopi yesatifiketi somtshato (ukuba izindlu zithengiwe ngamaqabane).
- Iikopi zamaxwebhu okuhlawula aqinisekisa intlawulo yemali mboleko, kodwa abanakubonelelwa, babhekisa kwileta yenkonzo yeRhafu yeRundar yaseRussia ye-11/2/2012. I-EF-4-3 / 19630 (isalathiso esaneleyo esivela ebhankini Ipesenti ehlawulelweyo).