Buyela we sokubuyiselwa imali yentela ngoba ukuthenga indawo: imibhalo. Igama elithi ka sokukhokhwa imali yentela ngoba ukuthenga indawo

Ngakho, namuhla sinesithakazelo esikhathini buyiselo we imali yentela ku ukuthengwa zokuhlala, kanye uhlu kwemibhalo ukuthi kuzodingeka ukuba ahlinzeke kuziphathimandla ezifanele. Empeleni, lo mbuzo Kuyathakazelisa futhi ewusizo eziningi. Emva yokukhokha izintela ukugcwaliseka ukuthenga okuthile, ungavele ubuyisele "elingacacisiwe" lemali ku-akhawunti yakho. A ibhonasi nice kusuka isimo, okuyinto edonsela abantu abaningi. Kodwa inqubo enjalo ine zokukhokha kanye nemithetho sokubhalisa yayo. Khumbula abawona kunzima kangaka. Kushiwo ngamuphi umqondo ukuthi kubuye imali yentela ngoba ukuthenga indawo? Yini imibhalo edingekayo? Ngo Uhlaka yini isikhathi, ngokuvamile, ungakwazi ukuthatha ithuba? Kumele kube khona okungenani ezinye imikhawulo!

Kungakanani?

Yebo, zikhona. Kodwa ngazo kamuva. Phela, ungase uqale sihlole kabanzi yilokhu isimiso lisengozini. Indlela ungabuyela kusukela idili? Futhi uma kukhona umkhawulo othile ukubuyela? Yokudonsa intela, njengoba umthetho, ikuvumela ukuba uthole 13% of izindleko zabo. Le nqubo ulinganiselwe lemali ukuthi ebuyiselwa wentela. Kuyinto ruble 260 000. Unelungelo ukubuyela izimali kuphela amafulethi kubiza up 2 000 000. Ngakho, ungamangali. Yonke indawo usethe imithetho yabo. Angaphezu kuka-260 eziyinkulungwane emuva akusebenzi. Lokhu abakwenzayo akukho semthethweni.

Lapho?

Kodwa ungakhathazeki kakhulu. Ngemva kwenkathi sokukhokhwa imali yentela akuyona elincane ngakho lapho uthenga ifulethi. Wena nakanjani kuyodingeka isikhathi nokukulungiselela. Futhi ukubhaliswa jikelele nge iqoqo kwesokudla kwemibhalo kubonakala trifle.

Ngo Uhlaka yini isikhathi kuyodingeka ukuhlangabezana wentela? Ngokuvamile, impahla nezimali ezibanjwayo, njenganoma iyiphi enye, kungenziwa ikhishwe kungakapheli iminyaka 3 kulandela idethi kuthengiselana. Lokho kusuke kungelona ngokushesha emva kokuthenga ukusheshe ukulungiselela imibhalo. Kanjalo, futhi, akudingeki ukuba manqikanqika, kodwa uvalo, ungenalo isikhathi ukusebenzisa umqondo - akusiwona yokwamukela engcono.

Ekusebenteni, ngokuvamile inkathi sokukhokhwa imali yentela ngoba ukuthenga indawo isethwe unyaka 1. Cha, ungakwazi kalula uhlele kamuva. Kodwa izakhamuzi zijwayele ukubhekana amaphepha ngaphambi kokuphela kwesikhathi zokubika intela. Ngakho-ke, eqinisweni, bezama ukuba ahlukane ngisho ne izinsalela ngokushesha ngangokunokwenzeka. Akunzima njengoba kungase kubonakale ekuqaleni. Okudingayo - ukuqoqa uhlu ezithile kwemibhalo ukwethula ukuba ehhovisi lentela, bese nje ulinde.

ngemva ukugcwalisa

Manje umbuzo omusha kuphakama. Uyini term sokukhokhwa imali yentela ngoba ukuthenga indawo ngemuva kokuhambisa isicelo? Phela, isidingo ukuqonda esingakanani iziphathimandla zentela cabanga endabeni ethile. Khona-ke ukuza ukuvumelana nzima. Ikakhulukazi uma ucabangela ukuthi ezindaweni ezahlukene umbono ezihlukahlukene isikhathi lokuvunywa okhunye nokhunye, impahla ozikhethela.

Yini ungalindela, ngokwesilinganiso? Uyini eside buyiselo of the imali yentela ngoba ukuthenga indawo? Izibuyekezo wentela ngokuvamile ibonisa ukuthi konke uyonikwa izinyanga mayelana 4. Yilokho kangakanani ngeke zibe semthethweni ebanjwayo ngemuva kokuthi isicelo. Kule esiyizinyanga ezingu-2, kubhekwa kuphela isitatimende. Ezinye izindaba zika-isikhathi kukhona ukudluliswa kweemali ngezithukuthuku abakhokhi bentela. Ngezinye izikhathi le nqubo ithatha kancane, ngezinye izikhathi ezingaphezu. Kodwa ngokwesilinganiso, kubalulekile ukubala izinyanga 4. Lona inkathi sokukhokhwa imali yentela ngoba ukuthenga indawo ngemuva kokuthi isicelo sicutshungulwe. Uma udinga kabusha yokubhalisa, kubalulekile "ukuze usethe kabusha counter." Nalapha ukubala cishe izinyanga ezine. Ngomqondo onabile, lena akuyona inkinga enjalo.

isicelo

Awu, manje sekuyisikhathi cabanga ngemininingwane uhlu ngokushesha amadokhumenti adingekayo kuthengiselana. Uma ucabanga kubuye imali yentela ngoba ukuthenga indawo - kungcono akunzima kangako. Awudingi eziningi amaphepha. amaphuzu abalulekile abaningana. Futhi kancane ukubekezela. Ngakho lapho Sazi kufanele uqale?

Yiqiniso, ukulungela nekubhala isicelo olufanele. Into wukuthi okhunye nokhunye kumele anikezwe kuphela uma kukhona amaphepha ayedingeka. Ngesicelo umfakisicelo. ukugcwalisa isampuli ingabonwa kwi website esemthethweni ye-Tax Service yeRussia. Kukhona ifomu, okuyinto eyokusiza ukuba enze isicelo sokuthola ukusetshenziswa ngokwengeziwe. Itholakala ikhophi eyodwa - original.

ubuntu

Qiniseka ukuthi noma yikuphi wamaphepha ngempela ephelezelwa ukusungulwa ubuntu bakho. Lokho, kuzothatha idokhumenti ezifanele. Esimweni sethu, lokhu akukona lutho kodwa passport. Futhi, ngaphezulu ngokunembile, ikhophi yalo. Pobespokoytes kusengaphambili, ukuze ube amakhophi wonke amakhasi. Ikakhulukazi, 2, 3, futhi omunye lapho kubhaliswa okhethiwe. Idatha yesimo somshado kumelwe nakho kuzonikezwa. Original ukuze imali ebanjwayo ingakhokhiwe ezidingekayo. amakhophi Enough. ke Lingase eqinisekisiwe uma uthanda. Kodwa, uma ngikhuluma iqiniso, abantu abaningi bamane bayeke ikhophi futhi ungakhathazeki.

Amaholo

Into elandelayo kuyodingeka sikhumbule - lena umholo wakho. Isikhathi sokuba kubuye imali yentela ngoba ukuthenga indawo ngeke bakwazi ukuqalisa i countdown phambi uqinisekisa isimo abakhokhi bentela. Lokho, musa akhombe izimali. Kube kuyodingeka aveze isitifiketi 3-PIT. Ligcwele yayo. Futhi ngaleso sikhathi, ungakwenza ngosizo isimiso esikhethekile kuyi-computer. Futhi, kumelwe nakanjani babiza ifomu lesicelo 2-PIT.

Lowo Mbhalo wangonyaka we yesibili ikhiqizwa ngokuzimela, uma usebenza ngokwakho. Kungenjalo (njengoba ngokuvamile kunjalo), iphepha esithathwayo uMnyango ezimali at umqashi wakho. Kuyinto uhlobo isiqinisekiso lokho onakho imali encane yentela. Kwamukelwe kuphela okwangempela sezitifiketi. Badinga ikhophi eyodwa. Ngakho, gcinani lokhu engqondweni. Ikhophi yerekhodi umsebenzi ngokweqile ngeke zivele.

Izindleko kanye nempahla

Indlela yokwenza imali imali yentela ngoba ukuthenga indawo? Imibhalo, okuye letinikwe lapha ngenhla - akusiwona konke okudingekayo. Manje njengoba izitifiketi ezifanele ayatholakala, udinga ukuqinisekisa ubunikazi bakho impahla. Futhi mayelana kokuchitha kakhulu ungakhohlwa.

Yini eyayingenziwa ke kudingeke? Okokuqala, isitifiketi yetayitela, ukukopisha, okungcono kwasayinwa. Okwesibili, inkontileka sokuthengisa, kanye namarisidi ehlukahlukene kusukela umdayisi eqinisekisa imali yokudlulisa-kokuthola kuwe. Ihlola namarisidi (noma kunalokho, amakhophi abo) - Izinto iyadingeka futhi. Ngaphandle kwalezi amadokhumenti ngeke babonise imibono ukubuyela.

Okunye

Lokhu kwakungesona isiphelo. Buyela we sokubuyiselwa imali yentela ngoba ukuthenga indawo kwabahola impesheni hhayi kuphela idinga wamaphepha ngokuvamile ezengeziwe ngaphezulu. It akakubangeli asemrarweni, kodwa kwenzeka. Ngakho, ngokwesibonelo, ukuthi impesheni kufanele uqinisekise isimo sawo namalungelo. Zenza amakhophi izitifiketi zempilo (ikakhulukazi ukukhubazeka) kanye nesitifiketi impesheni. Abesilisa kufanele wenze ikhadi wezempi. Lokhu kuyiqiniso ikakhulukazi ngokuphathelene servicemen umhlalaphansi. Kodwa lokhu, futhi, uhlu akugcini lapho. Yini enye ingasiza?

Ngokwesibonelo, ngokuvamile kakhulu abantu bebuzwa ukuthi ukwethula kanye nokuzalwa izitifiketi zezingane, kanye amaphepha umshado nesahlukaniso. Akukona ukuthi amaphuzu abalulekile, kodwa ngezinye izikhathi zenza kungavimbela ukubhaliswa. Okuningi ngokunembile, ukusunduza it okwesikhashana. amakhophi anele ezivamile. Namathisela kubo uma kwenzeka nje, ukugwema noma imiphi imibuzo nezinkinga ezingenasidingo.

mortgage

Njengabangaqondakali kungase kuzwakale, kodwa mortgage zingenza alulame ingxenye yemali esetshenziselwa. Nokho, lapha izindleko esiphezulu izindlu ngeke 2, futhi ruble ayizigidi ezingu 3. Kodwa isithakazelo iyefana - 13%. Uyini term sokukhokhwa imali yentela ngoba ukuthenga efulethini mortgage? I efanayo kuzo zonke ezinye izimo. Unelungelo ukucela esiphezulu engu-3, isikhathi ukucabangela kuyoba cishe 4 izinyanga. Ayikho umehluko akuyona futhi ngeke ube naso. Ngaphandle ukuthi maqondana imibhalo izidingo. Ukuze Kulolu hlu olungenhla kuyodingeka futhi wenze okwengeziwe futhi mortgage inkontileka, kanye namarisidi ukukhokha inzalo ye kuthengiselana. Ngaphandle kwawo, kubuye imali ebanjwayo mortgage akusebenzi.

requisites

Into esemqoka - ukunikeza imininingwane ubuyise i-akhawunti yakho. imininingwane zebhange kufanele ngempela icaciswe isicelo sokubuyiselwa imali yentela. Ngaphandle kwawo, wena umane kunqatshelwe.

Ngomqondo onabile, lutho nzima ku imininingwane lapho. Wena ucacise akhawunti lapho ukuze uthumele imali ngqo ifomu lesicelo. Njengoba nje uhlu oluphelele imibhalo uzolunga, awanike ehhovisi lentela. Futhi manje wena umane ulinde. Ngemva kwesikhashana uzoba ukuphendula kubaphathi isiqunto sokunikela imali ebanjwayo noma ukwala kokuphawula isizathu sokuvakasha kwazo. Uma ezama ukubamba ukhetho lwesibili, ulilungise bese uyazama futhi. Esimweni sokuqala luhlala ukulinda ukudluliselwa oqondile kwezimali ku-akhawunti.