Lihlawulwe irhafu yentengiso yokuhlala

Ukuza kuthi ga ngoku, kukho irhafu ezininzi ezinxulumene ngqo real estate yethu. Hlawula irhafu eziyimfuneko phantse bonke abemi, ngaphandle kwiindidi ezithile zabantu-abaxhamlayo, ukuba baxolelwe izityholo ezininzi.

Wonke umntu nokubhala uyazi ukuba intengiso nayiphi na ipropati, kufuneka ahlawule intlawulo kaNondyebo kaRhulumente. Phantsi kwale podpoadaet didi kunye nerhafu ethengisa zokuhlala, nto leyo uhlawula umnini-13%. Kodwa kwimeko nganye irhafu yayo 'zakovyrka "yaye" eziziimpazamo ezikhoyo' abangamaziyo bonke abemi. Bafumana, imithetho kufuneka siyazi ncam ukuba siwazi amalungelo noxanduva lwabo phambi kokuba urhulumente. Kwiimeko ezininzi, abantu abanawo i ukumelwa oluchanileyo - kuba yintoni, ngoko ixesha nesizathu sokuba kufuneka uhlawule into abasele benayo. Umzekelo, ukuba lavuma (imoto, cottage). Kutheni ukuthengisa impahla enokususwa okanye engenakususwa, kufuneka ahlawule ngaphezulu ezinye iirhafu? Yinto elula kakhulu - ngoko kwakukho ubomi, loo iinjongo wabeka kurhulumente, ngoko ke zinike imali kwegazi kweli lizwe.

Kodwa ukuba wazi amalungelo akho, unga nciphisa ngokubaluleka ubungakanani iintlawulo zerhafu. Masithi i irhafu yentengiso kule ndlu kunokuba ubuncinane-13% kwisithuba apho umnini angabonisa ukuba akwamkeliswanga ingeniso evela kwintengiso indlu yakhe, oko kukuthi, ixabiso layo ekuqaleni phezulu kakhulu ixabiso uya kufumana namhlanje. Le ngobuwena sokuqala yokunciphisa njani isixa-mali. Kukho enye ingongoma, leyo kunciphisa irhafu wona, kwaye ubungakanani kutsalwe yayo irhafu. Sithi ngoko nangoko ukuba eli galelo ubalwa ngeendlela ezimbini:

• lokuqala - ixabiso evela kwintengiso zokuhlala kuthelekiswa iindleko yokuthenga indlu;
• yesibini - ixabiso intengiso indlu thabatha engange kwesigidi.

Umnini egqiba apho olungumgubo ukuyisebenzisa. Lwerhafu ngaphantsi (okanye zero), ukuba usebenzise enye yezi fomyula. Umzekelo, xa athe wathengisa egumbini lakhe engange-4 million, kodwa wayithenga ngenxa 4.5 000 000, apho ukunyuka kweendleko zokuhlala kwaba nokuchuma kwawo, ingathatha kakuhle ithuba lokuqala ukhetho. Ezizezi: (4 000 000 - 4.5 000 000) * 13%. Kulo mzekelo, imali yerhafu ukuba mibi, nto leyo ethetha ukuba umnini awusayi kuhlawuliswa umrhumo ukuthengisa impahla yabo.

Inguqulelo yesibini ithi ukuba indlu kwakunikelwa yindoda, sele zentengiso, ukuba ilifa, ngamanye amazwi - umniniyo phantse abazange kuwahlawulela, ukufumana indawo yokuhlala kwipropati. Kule meko ke kungcono ukuba usebenzise indlela yesibini: isixa evela kwintengiso kule ndlu uthabathe engange kwesigidi; umahluko, nto yeza ukuze yande nge-13%.

Iinketho angentla efanelekileyo kuphela kwabo bantu abaneminyaka engaphantsi kwe emithathu, baye endlini kwipropati. Kwakhona, lo mgaqo usebenza kuphela abemi Russian, non-abahlali ahlawule irhafu intengiso zokuhlala mali ka-30% evela kwintengiso. Irhafu kwi ukuthengiswa yokuhlala akakwazi ukuhlawula ezo abanini bangabanini propati ngaphezu kweminyaka emithathu, ngoko kukho abanini zizele kwiminyaka engaphezu kwama-3.

Abantu abaninzi banomdla umbuzo - ingaba irhafu ikhona ngomnikelo indlu? Apha ungenza ngokukhawuleza ukuqinisekisa abanini ukukhathazeka elizayo. Xa umnikelo impahla yakhe onikelayo engarhafelwayo irhafu yengeniso, kuba ufumana ingeniso kule yokuhlala. Ukupha kwakhona asilele ukuhlawula irhafu xa umnikelo kwimeko apho yena isalamane le mali. Kodwa ukuba isipho loo ayifumanekanga evela isalamane, umntu wanikela ipropati, kuya kufuneka ukuba ahlawule irhafu.

Siye sajonga ukuba indlela yokuhlawula irhafu flat. Ngokufutshane sinokuthi ukuba umnini, ongumnini ubuncinane iminyaka emithathu ipropati unyanzelekile ukuba ahlawule intlawulo ye-13% yentengiso. Yena uyakwazi ukukhetha indlela yokubala irhafu, nto leyo eya kuba ezilungele ukhetho yakhe ethile. Ukuba umntu endlini kwipropati ngaphezu kweminyaka emithathu, yena kuchatshazelwa kulo rhafu.