Ngenxa yaleso ungathola imali yentela? Ngingalutholaphi sokubuyiselwa imali yentela

umthetho Russian uvumela izakhamuzi ukuba amphuzise intela ezibanjwayo ahlukahlukene. Zingase ne-ukuthathwa noma ukudayiswa kwempahla, ukuqaliswa izindlela zokuvikeleka komphakathi, umsebenzi, imfundo, imithi yokwelashwa, ukuzalwa kwengane. Uyini ngokucacile ethandwa kakhulu Russian intela izakhamuzi ezibanjwayo?

izinhlobo

Ngenxa yaleso ungathola imali yentela ngokuhambisana nomthetho Russian? Tax Code inikeza elandelayo kubo: ejwayelekile ikhokhwe izingane, impahla, ezenhlalo, professional, kanye nalezo zibalwa phakathi ukulahlekelwa elihlobene ne-inzuzo izibambiso. Ezine zokuqala izinhlobo ezibanjwayo - ethandwa kakhulu.

Izindlela ukulungiswa

Kanjani ukubala nokukhokhwa kwentela ezimalini ezibanjwayo? umthetho Russian inikeza izindlela ezimbili ezihlobene. Esikhathini ebanjwayo lokuqala ibalwa kanye ikhokhwe kanye ngonyaka ekupheleni kwesikhathi sentela ngesisekelo kakade wenza izinkokhelo endaweni yomcebo ngesimo kwentela yengeniso (emholweni nezinye engenayo).

Mshini Eyesibili isikisela ukuthi isakhamuzi oda wezomthetho isimo abakwazi ukukhokha intela yengeniso isikhathi esithile futhi ethile imali. Kuye uhlobo oluthile ebanjwayo yaqaphela noma lelo cebo.

Ngubani umuntu unelungelo lokubamba susa

Lolu hlobo intela nendlela yokukhuthaza unganikezwa izakhamuzi abathola iholo ukuthi intela ngezinye 13%. Ngokuvamile-ke, njengoba sibonile ngenhla, iholo. Kodwa iholo ahlobene nazo zingase zimiswe, isibonelo, ngemuva ukuthengiswa ingcebo nezinye izinhlobo impahla. Ngingathola imali yentela ngaphansi kohlelo lula izilinganiso amacala kuMgcinimafa? Ayikho indlela enjalo singanikezwanga. Ngokufanayo, ilungelo sidonsa ayikwazi yaqaphela isimo abantu non-ohlala.

Indlela yokwenza ezibanjwayo

Ngingalutholaphi sokubuyiselwa imali yentela? izintandokazi Okubhekene izakhamuzi udonsa FTS - ezindikimbeni sendawo ezindaweni Russian kanye nomasipala.

Ukuze ukhokhelwe, kumele zisebenze Federal Tax Service isethi imibhalo kuhlinzekelwe uhlobo ebanjwayo ngamunye. Cabanga imininingwane izinhlobo ezahlukene izintandokazi zezimali, okukhulunywe, kabanzi.

ezibanjwayo ejwayelekile

Ukuze lokho ungathola intela ezibanjwayo eziphathelene esigabeni ejwayelekile? Lolu hlobo inkokhelo eyenziwe ngokumelene nezigaba ezithile abantu. I ezibanjwayo umbuzo, isilungisiwe. Kuye isizinda, bangakwazi lilinganiswe ngesisekelo, isibonelo, ayizinkulungwane 3. Hlikihla. noma ruble 500. maqondana ngenyanga. Lezi zimali ukumela, ngakho base sokubalwa nokudoswa - ngesilinganiso 13%. Lokho, umuntu ingakhokhwa ayizinkulungwane 3. Hlikihla. futhi ruble 500, no-13% semali okuhambisanayo -. 390 deda. noma ruble 75.

umthetho Russian inikeza izigaba eziningana izakhamuzi abalungele ebanjwayo olucutshungulwayo hlobo.

Okokuqala, kungenxa abahlanganyeli e ukuvalwa yengozi eChernobyl, imithelela nolunye uvivinyo zenuzi, kanye nezakhamizi abamukele ukukhubazeka uma ebamba iqhaza ezingxabanweni. Ngokuphathelene nabo umthetho Russian ihlinzeka imali yentela esekelwe inani ayizinkulungwane 3. Hlikihla.

Okwesibili, amaqhawe eSoviet Union futhi Russia, abantu abakhubazekile 1 namaqembu 2 futhi ube umthamo elinganiselwe kusukela ebuntwaneni, abathintekayo empini, kanye izakhamuzi eChernobyl zabantu zathuthelwa kwezinye izindawo ngemuva kwengozi at simila. Abantu kulesi sigaba uthola imali ebanjwayo okujwayelekile ngokusekelwe inani ruble 500.

Okwesithathu, abantu ngokomzimba, hhayi ezihlobene izigaba akhethiwe yezakhamuzi Kungenzeka ufanelekele intela nendlela yokukhuthaza esekelwe inani ruble 400. Kodwa Siyaqiniseka kubo kuze imali yabo yonyaka awufiki ayizinkulungwane 40. Hlikihla.

Bangaki intela ezibanjwayo ungathola indoda uma unezindaba sokuzibonakalisa elungile, futhi uma kuba izintandokazi ejwayelekile? eyodwa kuphela - lowo kudinga inkokhelo enkulu. Kulokhu, nokudoswa okuvamile kungasebenza kahle kuhlangene nezinye izinhlobo izintandokazi, ezifana impahla.

Kukhishwa izingane

Empeleni, lolu hlobo ebanjwayo kusebenza futhi ejwayelekile, kodwa ngesikhathi esifanayo ngokwanele esehlukene naye. Ikakhulukazi, kungase kwengezwe ndawonye nge kunanoma ngubani kulaba abangenhla. Intela ezibanjwayo yalolu hlobo ungathola abazali noma abazali abakuthola. Usayizi impatho efanele oyithandayo - ngesisekelo inani ruble 1000. ingane ngayinye ngenyanga ngayinye.

Yokudonsa intela okukhulunywa ingakhokhelwa ingane ize ifinyelele eminyakeni engu-18 ubudala, futhi uma uya ukufunda esigcwele, kuze kube sesikhathini efinyelela iminyaka engu-24. Enye ukugwenywa ukukhokhelwa idividendi, - engenayo yomuntu akumele leqe ruble ayizigidi 280 .. ngonyaka. Uma iholo noma eminye imithombo ingeniso ethe xaxa, nokudoswa ayitholakali.

okusekelwe lemali yokukhokha olunikezwa umthetho we Russian Federation ngo inani ayizinkulungwane 2. ukukuthinta. Basuke enikeziwe uma ingane inenkinga noma kulethwa ongayedwa.

Ilungelo lokuthola ezibanjwayo izingane, omunye umzali angase ngokomthetho zadluliselwa kwenye. Le ndlela yokwenza kuyafaneleka, uma noma iyiphi abazali bomenzi operation engazinzile. Ukuze ukuthi lokhu kulungile, umuntu yokwenqaba ebanjwayo ayakuphuma imibhalo eqinisekisa inhloso ukudlulisa ukusetshenziswa kwamalungelo intandokazi kwenye.

Ezicashile design ejwayelekile ebanjwayo

Uma umuntu uncika indinganiso intela ebanjwayo uma ungathola ke? Okokuqala, siphawula ukuthi usizo ngqo izakhamuzi ekusebenziseni ilungelo intandokazi ezifanele ukuba umqashi ubani isimo -ejenti intela. Bala imali ebanjwayo kanye nokuqinisekisa inkokheli zayo, ukuba eqondile - umthetho uvumela yokungakhokhi yentela ngemali engenayo siqu kuyasifanelekela, - isibopho esiphathelene inkampani.

Nokho, ukuze uqale ukuthola indinganiso intela ebanjwayo, isisebenzi sikaHulumeni kufanele azise umqashi of nesifiso salo ukusebenzisa izintandokazi efanele. Lokhu kungenziwa ngezindlela yamazwi alotshiwe ngendlela enqunyiwe. Futhi kubalulekile ukuba unamathisele amadokhumenti eqinisekisa ilungelo umsebenzi ukuthola imali ebanjwayo ejwayelekile.

Qaphela ukuthi kukhona simo okunye. Usikisela isikhalazo ne-IRS ekupheleni konyaka intela. Kodwa leli qhinga uqobo yini ethandwa kakhulu ngohlobo ebanjwayo, ngoba idinga kusukela umsebenzi ukuchitha isikhathi esiningi ukuqoqa amaphepha adingekayo kanye nokuxhumana agency.

impahla nezimali ezibanjwayo

Ngenxa yaleso ungathola imali yentela yempahla uhlobo? Ilungelo design yabo kuphakama kusukela izakhamuzi avame phezu ukuqaliswa ezithile izindlu nezindawo ukuthengiselana: zokuthenga, ukuthengisa kanye nokwakhiwa, kanye ngenxa ezinye impahla ukuthengiselana lenani eliphakeme, ezifana izimoto.

Ngokuphathelene ingcebo kungaba kuqashelwe ukuthi kukhona izigaba ezimbili ezinkulu impahla nezimali ezibanjwayo yalolu hlobo - nezindleko ezihlobene ukuthenga izindlu noma lezo ingakhishwa ngokuqondene isakhamuzi wathola imali etholakale ngokudayiswa Holdings zabo. Izinqubo lapho abantu beyojabulela khona lolu hlobo izintandokazi, nezingahlobene. Futhi ngenxa yokuthi uhlobo ngalunye ebanjwayo, naphezu ngesabelo sakhe esigabeni jikelele bathambekele zihlolwe ngaphasi kwehlelo ehlukile.

ezibanjwayo Impahla lapho ukuthenga umuzi

Uhlobo lokuqala impahla ebanjwayo ezihambisana yokufuna izakhamuzi yokuhlala ingcebo. Lokhu kungaba indawo, ikamelo noma endlini. yokufuna indlela ungaboniswa ngesimo ukuthengwa nokudayiswa, ukwakhiwa sikhungo noma project ngokuhlanganyela. Into ebaluleke kakhulu - isakhamuzi uzalela izindleko zomuntu siqu.

Nge ukuthenga indawo umuntu ungabuyela ayizinkulungwane 260. Hlikihla. phakathi izimali idluliselwe umdayisi ingcebo noma izimali ukulungisa, okungukuthi, esekelwe inani up 2 mln. deda. Kuze 2014, imali ebanjwayo elihambisana singenziwa kuphela endlini eyodwa, bese - ngasiphi isibalo zokuhlala. Uma isakhamuzi aklame ukuthengwa ingcebo ngokusebenzisa mortgages, ke unga isipele 390 ayizinkulungwane. Deda. kusukela inani izinkokhelo isithakazelo ebhange, okungukuthi, ngesisekelo isamba engafika ku-3 mln. deda. Phawula ukuthi, ngemisebenzi eyenziwa kuze kube 2014, ubukhulu esiphezulu izinkokhelo kusuka Federal Tax Service kwezinhloso zenzuzo lokuphekiwe loan indlu, akugcini.

Izindlela lokucubungula ebanjwayo uma uthenga ifulethi

Ngingalutholaphi sokubuyiselwa imali yentela ngoba ukuthengwa ifulethi? Njengoba kunjalo nge inzuzo esezingeni angakhipha preference ezifanele ngokusebenzisa kokubili umqashi kanye nabaphethe FTS. Kulokhu, ngokungafani simo langaphambilini, uhlobo ebanjwayo indlela yesibili bemthanda baseRussia. Lokhu kungenxa yokungabikho yokuthi umuntu uthola ezandleni isamba eside, okulingana okuyinto akulula ukuqoqa, usebenzisa "ziyakhula" nyangazonke ukuba ilwe esisemthethweni yokungakhokhi yentela ngemali engenayo siqu.

Lapho ungathola sokubuyiselwa imali yentela uma uthenga ifulethi, isakhamuzi uziveza, esekelwe esikuthandayo. Kungaphawulwa ukuthi iqoqo imibhalo sokubhalisa izintandokazi olufanele kuzo zombili lezi zimo mayelana efanayo.

Ngenxa yaleso ungathola imali yentela uma indlu? Kulokhu, lemali eziyisisekelo sokubalwa izinkokhelo kungafakwa izindleko amasevisi osonkontileka, kanye ukuthengwa zokwakha. Izindleko elihambisana kufanele lusekelwe namarisidi, amasheke kanye namanye amadokhumenti, ukuba semthethweni wezomthetho okuyinto waqaphela Intela Yesevisi abahloli.

Bangaki intela ezibanjwayo ungathola lapho uthenga ifulethi? Kanye emapayipini isakhamuzi silinganisela izinkokhelo - .. 260 ayizinkulungwane zonke izindleko kwezindlu ayizinkulungwane 390 isithakazelo (uma mortgage is semthethweni), khona-ke ulahlekelwa ilungelo kusebenza Federal Tax Service for the izintandokazi ehambisana, kangakanani ingcebo noma bathenga kamuva.

Impahla ezibanjwayo ekhaya yokuthengisa

Ngenxa yaleso ungathola imali yentela ku ukudayiswa amafulethi? Mshini sokubhalisa elilandelayo. Iqiniso lokuthi imali ozoyithola ukuthengiswa kwempahla, kanye iholo, is intela ngezinye 13%. Imali okufanele kufanele ibalwa, uma umuntu aba ngumnikazi wayo ingcebo okungenani iminyaka engu-3. Kodwa sivumele isishaya-mthetho waqinisekisa kubahlanganyeli ukuthengiselana on ukudayiswa ingcebo ebanjwayo e inani 1 mln. Hlikihla. Nale lemali ungakwazi ukunciphisa izindleko izindlu, okubonakala kwinkontileka phakathi nomthengisi kanye umthengi efulethini. Okusho ukuthi, uma intengo yezindlu ngaphansi inkontileka -... 1 million 200 ayizinkulungwane ruble, base sokubalwa siqu kwentela engenayo imali ebanjwayo ngokusebenzisa uhlobo wawubona kuyinto ruble ayizigidi 200 ..

Kungaphawulwa ukuthi zombili izinhlobo impahla ebanjwayo - inqobo nje uma ukuthengiselana kwenziwa esikhathini esifanayo intela - kuvunyelwe Okusizayo ukuvala leso sikhala. Ngokwesibonelo, uma umuntu wathenga indlu eziyizigidi ezi-2. Hlikihla., Umbuso kumele sibuyele kuwo 260 ayizinkulungwane. Deda. Uma kuyinto ngawo lowo nyaka ithengiswe nezinye ingcebo 1.5 mln. Hlikihla., Bese izikweletu zayo ukuze Federal Tax Service in inani 13% kusuka 500 ayizinkulungwane. Deda. (Ukuhlala at ukubandakanywa uhlobo ebanjwayo wesibili), okungukuthi ayizinkulungwane 75. Hlikihla., Kungase khansela ngokunciphisa kwezibopho isimo. Lokho, ekugcineni Federal Tax Service kuyodingeka bakhokhe isakhamuzi eqinisweni ezimbili eziphelele imisebenzi yabo 185 ayizinkulungwane. Deda.

Okunye ezibanjwayo uma ukuthengisa impahla

umthetho Russian uvumela izakhamuzi ukuthola hhayi kuphela ezibanjwayo impahla okuphathelene nokuthengiswa kwempahla. Kukhona futhi okuthandayo jikelele ngaphezulu $ 250 ayizinkulungwane. Hlikihla. Ingasetshenziselwa kunoma iyiphi inhlobo impahla, ezifana imoto. Umbandela main ukubala kwentela engenayo iyafana ukusebenza nokuthengiswa ifulethi - udinga ukukhokha imali efanele, uma into is owned by eminyakeni engaphansi kwengu-3. Kufanele kuqashelwe ukuthi isakhamuzi Ungazama ukufakazela Federal Tax Service, yona kanye kwadingeka izindleko ezihlobene impahla ukuthola, njengoba inketho - imoto noma olunye uhlobo eqolo kwempahla. Uma oyokufeza, bona nazo asetshenziswa njengendlela uhlobo ebanjwayo. Kulokhu, yibhange ngomthetho okuthandayo angeke kufakwe ukubala nhlobo, noma ingxenye kusebenze.

Manje ngoba sewuyazi ukuthi lapho ungathola imali yentela ngoba efulethini. Izinqubo okuyothi ezingase zithathwe, kanye nezinye izinhlobo impahla sifundile izintandokazi. Ake sicabangele lezi zinhlobo ezilandelayo izinkokhelo - nomphakathi.

Ngokucacile kwezimali ezibanjwayo nomphakathi

Yini intela ezibanjwayo ayatholakala kulabo ezihlobene zomphakathi? Umthetho amafomu Russian Federation of izinhlobo zabo, kubalwa ngesisekelo lezi zinhlobo ezilandelayo izindleko:

- sa;

- ukuqeqeshwa - kokubili wentela nezingane zakhe;

- ukuze elashwe - isakhamuzi kanye namalungu omkhaya wakhe;

- ukubamba iqhaza ezinhlelweni sempesheni non-state.

Isimiso kokubala kokubanjwa kwanoma okufanayo, okuyinto sici lwezinhlobo oshiwo ngenhla lezinkokhelo: FTS bayobuyela 13% base okuhambisanayo.

Mayelana izindleko abahluphekile, nokudoswa kungenzeka ibalwa ngesisekelo lonke inani, kodwa esingeqile ku-25% wemali engenayo isakhamuzi, phakathi komhlaka-intela.

Njengoba for izindleko ukuqeqeshwa, kungenzeka balinganisela ngesisekelo inani ukubaluleka kuze kufinyelele 120 ayizinkulungwane. Hlikihla. ngonyaka ngokubamba iqhaza babe nezinhlelo zokufundisa wentela futhi kuze kufinyelele ayizinkulungwane 50. ukukuthinta. ngonyaka kabi befundisa ingane ngayinye. Ngingalutholaphi sokubuyiselwa imali yentela ngoba yesikole? I elula kunazo indlela - isikhalo Federal Tax Service ekupheleni konyaka intela.

Isihlobo ukuba izindleko zokwelapha kumele wathi ukuthi kubalwa ngesisekelo lemali, ukubaluleka esiphezulu okulingana izibalo zabathanda ukufundisa Imali - ruble ayizigidi 120 .. Ngingalutholaphi sokubuyiselwa imali yentela ngoba ukusetshenziswa kwemithi yokwelapha? Into engcono ngonyaka olandelayo ngonyaka nokubika, isicelo yentela yombuso Izikhungo.

ezibanjwayo professional

Usizo lwabenza imisenenzi intela ezibanjwayo ingathola izigaba ezilandelayo payers ekhokhwayo:

- osomabhizinisi abaku- umbuso intela ezivamile;

- bamazwe ezisebenza ngaphansi kwezinkontileka yomsebenzi kanye namasevisi;

- notaries, abameli kanye nezinye izifundiswa abathintekayo abazimele.

Kungaphawulwa ukuthi isakhiwo kwezimali ezibanjwayo lochwepheshe nzima ngokwanele. Isimiso eyisisekelo amalungelo ezakhamizi olwazini lokuncamelayo ikhono lazo amelwe yentela yombuso Izikhungo kwemibhalo eqinisekisa izindleko ezihlobene letsite.

Uma bephumelela, izamba okuhambisanayo ingasetshenziswa njengendlela ebanjwayo - Income kwehle kubo. Kodwa ngisho noma imibhalo efana ungeyena umuntu Federal Tax Service, ejensi ungavuma izindleko ezingaqinisekisiwe ngaye. Inani labo incike ubuchwepheshe lomuntu professional futhi cishe 30-40% wesabelo.