Tax deduction ekuthengisweni zokuhlala kunye nezinye izindlu ezithengiswayo

Xa uyithengisa indlu okanye iiflethi, igumbi elinye kunye nabantu Villas kufuneka negalelo mali ka-13% yesixa ezifunyenweyo. Kucacile ukuba umntu akunakwenzeka emehlweni. Noko ke, nciphisa ngokubaluleka irhafu kuya kuvumela ukuxhuzulwa irhafu intengiso indlu.

Okokuqala, kubalulekile ukuqinisekisa ukuba ukutsalwa - le mali ukuba sisuswe kwisiseko irhafu (ixabiso lwepropati), kodwa hayi ehlawulwa irhafu. Ngamanye amazwi, ukuba imali ebanjwayo uyalingana. Engange million 1, uxolelo yerhafu iya kuba engange kuphela 130 lamawaka. (Kwaye yonke million, idla wacinga kwabo angaqhelekanga kunye bokuqonda ngabemi tax).

Ubukhulu kubanjwe impahla

Ukuze kumiselwe ubuninzi neenzuzo impahla, kufuneka uqhubeke ukusuka ubude isixhaso ilifa lokwenene eziphethwe yi werhafu. Ukuba indlu yathengwa iminyaka engaphezu kwama emithathu eyadlulayo, ukuba ahlawule irhafu ayikho imfuneko.

Ukuba ixesha ubunini wayeneminyaka ngaphantsi kwesithathu, ukunciphisa isiseko serhafu ingaba enye yezi ndlela zilandelayo:

- Imali engange kwesigidi esi-1, kwaye ukuba ipropati afunyenwe-mboleko ekujoliswe, esi sixa ungakwazi ukudibanisa yonke inzala ehlawulwa .. Sigxininisa kwakhona ukuba ixhuzulwe irhafu ekuthengisweni kwigumbi usebenza kuphela iindleko kwepropati, oko kukuthi, ukuba ibe ngaphantsi kwe kwesigidi esi-1., Isiseko irhafu ithathwa nothi, kunye nembuyekezo irhafu akuyomfuneko kule meko.

- Ngokuba imali yeendleko ukuthenga ipropati asathengiswa namhlanje. Ezi ziquka neendleko ngqo nokufunyanwa, inzala kwi- mboleko target, kwakunye neendleko wokulungisa kunjalo, ukuba igumbi yathengwa phantsi isivumelwano ngaphandle kokugqiba.

Kodwa ukuba bahlole ixesha kobunini? Ukuze wenze oku, umele uqale ukusuka indlela yokulungiselela yayo. Ukuba indlu afunyenwe phantsi kwesivumelwano ukuthenga nokuthengisa, exchange, umnikelo okanye ukuba irente, kuyimfuneko ukuba baqwalasele kubhaliso komhla ikhontrakthi. Noko ke, ukuba lo propati ifumaneka e endlwini lwentsebenziswano, ekuqaleni kwexesha kobunini iya kuthatyathwa imini intlawulo epheleleyo ye-unit malini. Kwimeko newbuildings ireferensi umhla lo mhla wokufunyanwa isatifiketi sobhaliso amalungelo obunini. Kwaye ke ilifa izindlu ukuze kuqale kobunini iya kuba nkulu imini yokufa unqophisileyo ngayo.

Isixa for endlini ubunini esabelana okanye liyalele

Xa bethengisa izindlu ezithengiswayo, ibekwe ubunini joint, yokutsalwa kwerhafu indawo yokuthengisa zokuhlala ziya kuthunyelwa kulingana phakathi abanini. Umzekelo, ukuba umlinganiselo omnye wabo ekhaya 1/6 omnye -1/4, iintsalela afunyenwe ngokulandelelana kwi-600 no-400 lamawaka. Engange. Kwiimeko apho indlu ise ubunini edibeneyo, ixabiso yokunciphisa isiseko serhafu kunokubalelwa abanini lungiselelo lobuqu.

Personal yerhafu yengeniso kwintengiso zokuhlala ezininzi

Lidla kukho iimeko xa omnye ngonyaka werhafu uthengisa indlu ngaphezu kwesinye okanye, umzekelo, indlu kunye cottage. Kulo mzekelo, kufuneka wazi ukuba ixhuzulwe irhafu kwi intengiso izindlu ezithengiswayo engange kwesigidi. Ngonyaka wekhalenda ngokuxhomekeka kanye kuphela yonke isiseko serhafu, kungakhathaliseki ukuba inani iipropati bathengisa. Kodwa ukunciphisa isiseko kuba irhafu intengiso izindlu ezithengiswayo kule mali yengeniso zingangqinwa malunga nganye asethi.

Umzekelo: P. Ivasin R. ngo-2012 wathengisa izindlu ezimbini 980 amawaka engange kunye namawaka 2 engange, wayithenga ngo-2011 ngenxa 900 lamawaka, ngokulandelelanayo, yaye 1800 engange .... Kuxhomekeka kwindlela yokufumana ukutsalwa kwerhafu yengeniso uzokuba khangela ngolu hlobo:

1) engange million 1 isixa esipheleleyo zengeniso :. ((980 + 2000) - 1000) * 13% = 257,40 amawaka engange ..

2) Imali iindleko indlu yokuqala, isixa esiqingqiweyo - kuba yesibini (980-900) * 13% + (2000-1000) * 13% = 140,40 amawaka engange ..

3) Imali ye iindleko zombini izindlu (980-900) * 13% + (2000-1800) * 13% = 36,40 engange ..

Easy ukubona ukuba indlela abanyuliweyo ekunciphiseni mali irhafu kuxhomekeke ixabiso ngokuxhomekeka kwirhafu.

Umyalelo lotsalo

Le Code Irhafu ubonelela ukuba ixhuzulwe irhafu amaxesha amaninzi kangangoko lunganikezelwa ekuthengisweni zokuhlala. Oko kukuthi, ukuba ubukhe wathengisa impahla ngo-2012 waza wafumana iphungulwe ekuthengisweni kwempahla ngo-2013, u kwakhona ufumane ithuba ukunciphisa irhafu yokuthengisa.

Thatha ithuba lotsalo ekunokuthi kusekelwe kulo isicelo, ireferensi 2-NGOBUCHULE, isivumelwano yentengiso, iikopi yesiqinisekiso sobhaliso amalungelo kunye nentlawulo onke amaxwebhu ezikhoyo. Ukuze ufumane ukuxhuzulwa irhafu yokuthengisa zokuhlala, umhlawuli werhafu kufuneka phambi Aprili 30 elandelayo (ilandelayo eqhutywa ngayo intengiso kwenzeka), isibheno kwiqumrhu labahloli kwerhafu kwindawo yokuhlala kunye isibhengezo ezizalisiweyo-3-NGOBUCHULE.