Yintoni irhafu xa uthengisa imoto engaphantsi kweminyaka engama-3?

Ierhafu ezithengiswayo imoto engaphantsi kweminyaka engama-3 ubudala-iseshishini eliqhelekileyo nelisemthethweni. Abemi sele bejwayele ukuba inkqubo yerhafu yaseRashiya inempawu ezininzi. Ngabo, kodwa ngokumalunga nokuthengisa kunye nokuthenga kwezithuthi, siya kuthetha. Kuhlala kunomdla ukuba kulungele ukulungiselela ntoni. Mhlawumbi kungcono ukulinda ixesha lokwenza intsebenzo kwixesha elizayo? Kakade, wonke umntu uyazikhethela. Kodwa ezinye iingcebiso eziwusizo ziyakubaluleka. Ngokuqinisekileyo baya kukuchazela ukuba yintoni irhafu ehlawuliswayo xa kuthengiswa imoto engaphantsi kweminyaka engama-3, nokuba ngaba kuyimfuneko ukuyihlawula konke, yiyiphi imimiselo eyimfuneko ukuyihlangabeza, nokuba ingaba inokwenzeka yini ukuyiphepha.

Ngaba ihlala ihlala njalo

Into yokuqala abemi abanomdla ngayo kukuba ngaba kufuneka bahlawule iirhafu kwi-mali yengingqi xa kuthengwa okanye kuthengisa into ethile. Phendula apha, ngethamsanqa, unokwenza ngokuthe ngqo - akukho. Kukho ezinye iimeko xa uluntu lunakho ukukhuselwa kwezi zihlwayo. Ngelishwa, abanalo nantoni na yethu imeko.

Into into yokuba irhafu ayihlawulwa kwipropati efunyenwe njengesipho esivela kwizihlobo eziseduze. Kufana nemoto okanye indlu. Ukongeza, xa uthetha malunga nokuthengiselana, awudingi ukufaka imali kwi-treasury yombuso ukuba uthengisa impahla oye waba nayo iminyaka engaphezu kwe-3. Kuze kube kweli nqanaba, kuya kufuneka uhlawule. Enyanisweni, iimali ezahlukileyo. Konke kuxhomekeke kwimeko ethile. Oko kukuthi, kwezinye iimeko uya kuhlawula ngaphezulu, ngeyaphantsi. Kodwa ukulahla inkokhelo enjalo, njengerhafu ekuthengiseni imoto engaphantsi kwe-3 iminyaka, ayiyi kushiya. Lo mgaqo ukhankanywe kumthetho. Ukungabikho komsebenzi kubangele uxanduva kunye neengxaki zamagunya erhafu.

Uhlobo lweRhafu

Njani ukuphepha iingxaki? Kwanele ukuhlawula onke amatyala kwilizwe. Emva koko ulala ngokuthula. Nangona kunjalo ingaqhelekanga, kuya kuba yimfuneko ukuba imoto inikezele izitishi ezimbini ubuncinci kwi-treasury yelizwe ngokungenakwenzeka. Sithetha ntoni na?

Umzekelo, kukho irhafu yothutho. Xa uthengisa imoto, kufuneka ihlawulwe, ngenxa yokuba isikhashana kwixesha lokubikwa kweerhafu elilahliwe le propati. Kukho inani lezithintelo ezikhutshwayo kule ntlawulo. Kodwa akuqhelekanga kwizenzo.

Oku akukho konke. Ziziphi iirhafu xa uthengisa imoto iya kubeka, ukuba ipropati yayisekho yakho engaphantsi kweminyaka engama-3? Njengoko sele sichazile, intlawulo yokuqala yizothutho. Yaye inzuzo yesibini. Ihlawulwa ngabahlawuli berhafu ngenjongo yokwenza inzuzo. Kwakhona, lo mgaqo awusebenzi kulabo bathengisa imoto emva kokuyifumana kwiinyanga ezili-36. Ngoku ngoku "nganye inxaxheba" ngokubanzi.

Irhafu yerhafu

Ewe, makhe siqale, mhlawumbi, ngokubaluleke kakhulu. Yisiphi irhafu esetyenziswe ekuthengiseni imoto, kwaye ngokwenene, nayiphi na intsebenziswano efanayo nepropati? Kakade, inzuzo. Okanye, njengoko kuthiwa, irhafu yerhafu.

Lo mgaqo usebenza kubantu kunye nemibutho. Ukongezelela, akunandaba nokuba ungumhlali welizwe okanye cha. Intlawulo yerhafu iyahlawulwa ngumntu wonke. Kodwa ngobukhulu obuhlukeneyo. Zonke zixhomekeke kwizinto eziliqela. Okokuqala, ngohlobo lomhlawuli-ntlawulo (abemi abaqhelekileyo bahlawula ngaphantsi kweenkampani), kwaye okwesibini, kubommi. Ngokuya kwimithetho yanamhlanje, ukuba ungowona ungaphandle, umrhumo we-transaction uza kuba malunga nama-2 amaxesha angaphezulu. Ngulo mgaqo osebenzayo ekuthengeni nasekuthengiseni.

Ingakanani ukuhlawula

Imali yerhafu kwimali yokuthengiswa kwemoto kwisixa esicwangcisiweyo ayinakusekwa. Oko kukuthi, yonke into iyodwa. Akunakwenzeka ukuthetha ukuba bangaphi abemi abaza kubhatala abameli beerhafu. Unokwenza izibalo ezifanelekileyo ngexesha kunye necala.

Intlawulo yerhafu ihlawulwa kwipesenteji echanekileyo yeenzuzo zakho. Kodwa, njengokuba kunzima ukuqagela, ingeniso xa kuthengisa indawo yokuhlala ihlala ihluke. Ngoko, irhafu ekuthengiseni imoto engaphantsi kwe-3 iminyaka iyahluka.

Nangona kunjalo, kwaziwa ngokucacileyo ukuba urhulumente uya kubamba i-13% yenzuzo yakho. Ngulo mgaqo ochaphazelekayo kubantu ngabanye. Kule mali, irhafu yengeniso ihlawulwa. Kule ndlela yokubheja, kwaye kufuneka ukhethe. Enyanisweni, kubalulekile ukuqwalasela indleko zezothutho. Ngokuqhelekileyo yamkelwe ukuba iqale ukusuka kwixabiso le-cadastral. Kodwa abameli berhafu bakholelwa ukuba kubalulekile ukuqala kwixabiso lemarike. Lo ngumbuzo ongunaphakade, obenabantu abambalwa abamkhathalelayo. Emva koko, abemi bahlawula irhafu yengeniso kwimali efunyenwe ngexesha lokuthengiswa kwezithuthi.

Abangewona abahlali kunye neenkampani

Yintoni elandelayo? Kuthekani ukuba imoto ithengiswa ngumntu? Imirhumo, njengoko sele siyifumene, ihlawulelwa kwisixa se-13% sexabiso lomthengi. Ngokomgaqo, akukho nto inzima kule nto. Kuthekani malunga nemeko nabangabemi kunye neenkampani?

Baya kuhlawula irhafu yengeniso. Kodwa kwezinye izikhulu. Ngokomzekelo, imibutho ihlawuliswe i-20% yenzuzo ejwayelekile, kunye nabangabemi-30%. Yiyo le mithetho ebekwe yerhafu yengeniso eRashiya. Oko kukuthi, ephakamileyo imali echazwe kwisivumelwano, kuya kufuneka ukuba ihlawule. Ngenxa yoko, ngokuqhelekileyo ukuthengiswa kwemoto kwenziwa ngabantu ngabanye. Oku kunenzuzo.

Irhafu yezothutho

Kodwa irhafu yothutho ibangela umdla omkhulu. Emva koko, unomlinganiselo wesithili. Oku kuthetha ukuba kwisixeko ngasinye le ntlawulo kwi-mali yombuso iyahluka. Kuninzi kuxhomekeke kumandla wenjini, inani leenyanga zobunini kunye nenani lentela.

Ukubala kwalo mrhumo kuyalula kwinqanaba le-insanity. Kwanele nje ukuthobela iifomula eziliqela. Ngokuchanekileyo, yinto enye kuphela, kodwa, kuxhomekeke kwimeko, itshintsha. Inani elaneleyo lobungakanani bamahashe olwandiswa yerhafu yentlawulo esungulwe kwingingqi yakho, kwaye ufumana irhafu yerhafu .

Ukuba imoto kwipropati ingaphantsi konyaka ongu-1, ke amanani ayenyiswa yi-quotient ukusuka kwinqanaba leenyanga zelifa. Ngendlela, sithetha ngezothutho (imoto), leyo ngeendleko eziqhelekileyo ukusuka kwiibhilile ezigidi ezi-3. Emva koko kukho ukwanda okwandayo. Ukuba unesithuthi kwisithuba seenyanga ezili-12, i-coefficient iyandiswa yi-horse injini kunye nereyithi yentlawulo eyenziwe nguRhulumente. Kwaye xa usebenzise umatshini ngaphantsi komnyaka, kufuneka ukwandise ifom ye sibini nge-coefficient. Enyanisweni, akukho nto inzima kule nkqubo.

Imiqathango kunye nokuhlelwa

Kukho ukuthengiswa kwemoto ngumntu. Imirhumo, njengoko sifumene, iya kufuneka ihlawulwe. Emva koko, kwimeko yethu, ukuthutha kwakukho ubunini obungaphantsi kweminyaka emithathu. Inani elichanekileyo sele libalwe, yintoni elandelayo?

Ngoku kuyimfuneko ukuqonda ukuba yintoni umyalelo wokuhlawula, kunye nemigaqo yokuhlawula. Ngokuqhelekileyo, abemi bayavunyelwa ukuhlawula kude kube nguJulayi 15 wonyaka olandelayo. Kodwa ingxelo iya kufuneka yenziwe kwangaphambili - ekupheleni kwexesha lokubikwa kweerhafu, okokuba, de kube ngu-Apreli 30 ngamnye ngonyaka. Ngokuqhelekileyo, ngalo mhla, zonke iintlawulo zihlawulwa. Le ndlela ibizwa ngokuba yi- intlawulo yokuqala. Yenziwe ngentando, ukuze kube lula abantu.

Xa uthengisa imoto engaphantsi kweminyaka engama-3, kufuneka unike ingxelo yerhafu ekhethekileyo. Kubizwa ngokuba ngu-3-NDFL. Izaliswe ngokulula kakhulu. Ngokukodwa xa ungenayo iindleko zokuthenga.

Amadokhumenti kwingxelo

Yiyiphi irhafu ehlawulwayo ekuthengiseni imoto, sele siyifumene. Yintoni elandelayo? Ngoku ufanele ukwazi ukuba luhlobo luni lwamaphepha aya kuba luncedo kwingxelo. Emva koko, isimemezelo sisisigxina esibalulekileyo kumba weentlawulo kwi-treasury karhulumente.

Ukwesabisa akuyimfuneko. Kufuneka ulungiselele kuphela isatifikethi se-3-NDFL. Lo ngumthombo oyintloko wokuvakalisa ingeniso yabantu. Ukuyizalisa kuya kuba nzima. Ukwenza oku, uzakufuna amaxwebhu alandelayo (kufuneka aphinde avezwe xa efaka isibhengezo):

• Ulwazi malunga nomthengi (igama elipheleleyo, usuku lokuzalwa, luboniswe njengomthombo wemali);
• Idatha yakho yepaspoti;
• I-PTS kunye nepasipoti yezobugcisa kwimoto;
• Isivumelwano sokuthengisa;
• Isiqinisekiso sobunikazi;
• I-SNILS kunye ne-TIN (umthengisi);
• Ulwazi malunga neendleko (ukuba kukho na, ngokuncitshiswa).

Yonke into. Ngoncedo lweenkqubo ezilula zecomputer, ukuvakaliswa kugqityiweyo, emva koko amaxwebhu (ngokuchanekileyo, ikopi zayo) ziqhotyoshelwe kuyo, kwaye ke ingxelo ingeniswa kwinkonzo yakho yentela. Akukho nto inzima okanye eyimfuneko. Musa ukulibala malunga nexesha ofuna ukudibana nalo. Kucetyiswa, kunye kunye nokufakela ukubhengezwa, ukukhupha iirhafu zonke. Kubandakanya ukuthutha. Ngendlela, idla ngokuhlawulwa ngaphambi koDisemba 1. Intlawulo emva kokuthengiswa kwemoto ihlawulwa ingeniso, kwaye kwangaphambili - izithuthi. Kungcono ukuba uhlawule ngokukhawuleza ityala lakho kwilizwe.

Isibalo sokuqala

Kwakhona umzuzu onomdla kakhulu kwimeko yerhafu yengeniso kubalwa kweso sibizo. Isebenza njengomthombo oyintloko wentlawulo yethu yanamhlanje. Incinci isiseko, isezantsi irhafu.

Ngokubanzi, ukuba kukho ukuthengiswa kwesithuthi, ngokuqhelekileyo kubhekiswe ngolu hlobo lokuba umthengi uthathwa njengesiseko. Lo ngumqathango oqhelekileyo. Kwezinye iimeko, i-auto iquka ezinye iindleko. Emva koko isiseko sibalwa ngomgaqo: imali engenayo iindleko. Kwaye iindleko zingabhekiswa ngokukhutshwa okufanelekileyo kokungeniswa kwe-3-NDFL.

Kwilahleko

Ngokuqhelekileyo, kodwa ngamanye amaxesha kuvela ukuba imoto ithengiswa ngelahleko. Ngokomzekelo, wathenga ii-ruble ezingama-600 000, kwaye ngoku ithengiswa ngama-500 000. Kuyacaca ukuba umdayisi akafumani nayiphi na imali engenayo. Okumangalisayo kukuba, eli qiniso alisuswanga ngokupheleleyo irhafu.

Nangona kunjalo akudingekile ukuba soyike. Awuyi kuhlawula nangoko. Kodwa isibhengezo siya kufuneka singeniswe kumagunya erhafu. Kufuneka ukuba unamathisele amaxwebhu kwiindleko zakho kule meko, kunye nekhontrakthi yangoku yokuthengisa. Akunzima kakhulu.

Ngendlela, irhafu yokuthengiswa kwemoto ingaphantsi kweminyaka engama-3, xa inani le-transaction ayidluli kuma-ruble angama-250,000. Nangona kunjalo, ukunika ingxelo kunyanzelekile kubonelelo berhafu. Njengoko ubona, inani lemali yokuthengisa imoto iyahluka. Kodwa unako ukubala njalo. Ukuba awukwazi ukujamelana nawe ngokwakho, bhekisa kwii-calculators ezithiwa. Baya kuba nako ukunika imali ngenxa yokuhlawulwa ngokwemigaqo yedatha yasekuqaleni. Intlawulo yerhafu ekuthengiseni imoto, njengoko ubonayo, ihlawuliswa phantse njalo. Ngaphandle kwemibandela embalwa. Abemi bayacetyiswa ukuba bangahambi ngokukhawuleza ukuba benze i-real estate kunye nezothutho ukuze bachithe imali eyongezelelweyo.