Izici ezihambisana nentela yokuthengisa yezindlu

Umuntu onokwakhengisa impahla - indlu, indlu yezwe noma i-cottage iminyaka emithathu noma ngaphansi, kufanele akhokhe intela ekuthengiseni impahla . Kuzolingana namaphesenti angu-13 emali, engaphezu kwezigidi eziyi-ruble ezigidi. Njengoba kunikezwe ukuthi izindlu ezweni libiza, khona-ke intela, ngokulandelana, ngeke ibe yincane. Ngiyaqaphela iqiniso lokuthi inani lentela libalwe kusuka kwinani lentengo yenzuzo. Inzuzo ephelele yinani elenza umehluko phakathi kwentengo yokuthenga nexabiso layo lokuthengisa esikhathini esizayo.

Wonke umuntu owenza ukuthenga nokuthengisa indlu kufanele alungele ukuqoqa amadokhumende, ngakho-ke, ngokusebenzisa ihhovisi lezezindlu, mkhangise, futhi uma kwenzeka kukhona umthengi, bonisa. Abaningi, kufaka phakathi abanye abasebenza kwangempela, bacabanga ukuthi intela ekudayiseni kwezindlu zangasese ikhawulelwe kumaphesenti angu-13. Eqinisweni, intela ingumqondo ogcwele.

Ngemva kokufunda ngokucophelela izihloko ezingu- 224 zeKhowudi Yentela yeRussia Federation, sifunda ukuthi izinga lentela lilingana namaphesenti angu-13, kodwa kunezengezo kulo. Iqiniso liwukuthi lesi sihloko sithi uma umuntu engekho ohlala eRussian Federation, kumele akhokhe intela ekuthengiseni amaphesenti angu-30 omhlaba wehluke phakathi kokuthenga nokuthengisa indlu. Umbuzo wokuba yisakhamuzi kulesi simo awusizo. Into eyinhloko ukuthi umuntu oncike ekubanjweni kwentela, phakathi nonyaka kwaba okungenani izinyanga eziyisithupha eRussia. Ngakho-ke, isiphetho yilokhu: uma uthengisa impahla, uma uhlala ezinsukwini ezingaphezulu kuka-183 phesheya, umuntu ngeke abhekwe njengomuntu ohlala kulo, okusho ukuthi intela ekuthengisweni kwezindlu zingasilingana no-30%.

Ukuba ngumtheli wentela waseRussian Federation, futhi enezindawo zangempela iminyaka engaphezu kwengu-3, umuntu akatholakali intela. Uma isikhathi esingaphansi kweminyaka engaphansi kweminyaka emithathu, khona-ke esimweni ngasinye, izinga liyancishiswa inani lemali ekhokhwayo. Kulesi simo, inani lentela ngeke lidlule i-ruble million.

Isibonelo, ukuba ne-flat flat for a year and half, ukuthengisa nge-ruble eziyizigidi eziyikhulu namakhulu ayisishiyagalombili, kuphela ama-ruble angu-800 000 azokhokhiswa.

Uma ukuthengiselana kwenziwa ngamabhizinisi angokomthetho, izintela zizokhokhelwa inzuzo nangokwengeziwe. 20% no-10%, ngokulandelana.

Ngaphambilini, njengentela entsha yezindlu zanikeza isimo esilandelayo. Uma izindlu zisetshenziselwa ukusetshenziswa, ke inzuzo enhle kufanele ihlukaniswe inani labanikazi. Futhi umnikazi ngamunye unika amaphesenti angu-13 yentela.

Isibonelo: abantu ababili bathenga ifulethi ngamabhiliki ayizinkulungwane ezingamakhulu ayisishiyagalolunye, emva kwezinyanga ezingu-12 bayithengisa ngayo izigidi ezimbili nengxenye. Njengoba kunikezwe ukuthi intengo yokuthenga ikhaya yayingaphansi kwesigidi esisodwa, ungasebenzisa isikhuthazo esihlobene nokuthenga indlu ebiza imali engaphansi kwesigidi. Kuvela ukuthi lokhu kunjalo: kusuka ezigidini ezimbili nesigamu sisithatha eyodwa, sihlukanise ngenani labanikazi, okungukuthi, ngambili bese wanda ngamaphesenti angu-13. Kuvela inani lama-ruble ayizinkulungwane ezingu-97.5, ezizobe zimelela intela ekuthengisweni kwezindlu zangempela kumnikazi ngamunye.

Ukuthengisa indlu eqhubekayo ukwakhiwa, uhlelo lokukhokha intela lufana nendawo yokuhlala emakethe yesibili.

Yimiphi imibhalo okufanele ihanjiswe kumphathi wezezimali:

• Idokhumenti enkontileka kanye nokuthengwa kwezindlu zangempela;
• Isitifiketi esiqinisekisa ukuthi indlu noma enye indawo yokuhlala ingumnikazi weminyaka emithathu noma ngaphezulu;
• Idokhumenti (ngokuvamile iresidi), eqinisekisa ukuthi izimali zitholiwe ngokugcwele;
• Isimemezelo semali engenayo, sihlanganiswe ngokuphindwe kabili.

Ukukhokha intela ekudayiseni kwezindlu zangasese minyaka yonke, ngaphandle kokulinda isikhathi sokugcina sokufaka isitatimende seholo. Uzokwaziswa iziphathimandla zikahulumeni. Njengoba kushiwo ngenhla, uma ukukhishwa intela kungeke kwenzeke , lowo owenze iphutha uzohlawuliswa. Isijeziso sikhulu kakhulu, futhi singaba ngu-20% womnikelo wentela.