Yokudonsa intela ngoba mortgage isithakazelo. intela Impahla ebanjwayo

Namuhla, hhayi zonke izakhamuzi ungathola imali eyanele semali esikhona ukuba ukuthenga indawo. Abaningi kufanele usebenzise imali ebolekiswayo. ukubolekisa okuqondiswe kuwo nelungelo lokubiza i sokubuyiselwa imali yentela ngoba mortgage isithakazelo, inqobo nje uma imibhalo yabhalwa endaweni WaseRussia.

Umcabango

Impahla ebanjwayo - inzuzo enikeza ithuba ukonga mortgage. Lapho umuntu uthenga impahla, angabuyela kusukela isabelomali ikhokhwe siqu kwentela engenayo ngesilinganiso 13%. Inani eliphelele kukhawulwe ruble 2 million. Uma impahla kuyabiza ke ungathola kusukela state 2000 x 0.13 = 260 ayizinkulungwane kuphela. Deda. Futhi kulabo musa kukora ngokugcwele leyo mali ngo-2014 avunyelwe dopoluchit kusukela kwesinye isakhiwo. Ngo abanikazi mortgage futhi banelungelo lokuthola isinxephezelo inani 390 ayizinkulungwane. Deda. (13% 3000 thous. Deda.) Njengoba inzalo ekhokhiwe.

isinxephezelo kwemigomo

Inkokhelo kungenziwa kuphela etholakala nge loan oyifunayo. Yileyo isivumelwano ibhange kumele icaciswe ukuthi izimali anikezwe ethengiwe noma ukwakhiwa kwezindlu eRussia. Imali ebanjwayo kusukela izindleko kungenziwa kuphela etholakala nge umkhiqizo ofanayo, okuyinto ehlotshisiwe main, uma idili senziwa kuze 2014. Izimali kumele wachitha ngalezi zinhloso. Isithakazelo imali ebanjwayo ayisekho enamathiselwe nengaphakathi singasebenza kwezinye izakhiwo.

umthetho

Kuze 2013 nokudoswa intela mortgage ukulithola lemali ikhokhwe kwinani kwezinhloso zenzuzo. Kusukela 2014 izinguquko Ikhodi, okuyinto laqanjwa imikhawulo inani isinxephezelo ruble izigidi ezintathu ukuthengiselana, okuyinto ephethwe emva 2013. I deductibility inzalo abatshelekayo iyatholakala ngaphezu umzimba omkhulu loan. Liphinde kunomkhawulo wemali ruble 2 million.

umehluko wemisindo nemiqondo yamagama

It kuvela ukuthi abantu bathanda ibhonasi. Kodwa ukusizakala kwabo bengayi, ngoba imali yentela ngoba mortgage isithakazelo lilinganiselwe. Izinguquko zomthetho zihloselwe ukuba ulungise lobu ukuntula. Kungenzeka dopoluchit isinxephezelo - ke muhle ngempela. Kodwa umbuzo uwukuthi, bangaki langempela isilinganiso Russian Ungathenga amafulethi ezimpilweni zabo? Uhulumeni ulindele ukuthi esikhathini esiseduze amazinga esizayo on mortgages izomashela ukuba 12-13%, okuyinto kanye emisha zosiza ukufunwa ingcebo market.

I imali yentela (mortgage): uhlu kwemibhalo

Kusukela iphepha kobunikazi ziye kanye kuhanjiswa lokuqala isimemezelo, kubalulekile ukuqoqa futhi ikhiphe isinxephezelo ngenxa yokubhalisa:

• Declaration 3-PIT;
• ikhophi ipasipoti;
• isitifiketi imali 2-PIT;
• isicelo isinxephezelo;
• isivumelwano sesikweletu;
• kokuthola lokukhokha, noma kuphenywe kuleyo ama-akhawunti;
• Isheduli yokukhokha;
• isitifiketi kusukela isikhungo credit empeleni esikhokhelwayo iphesenti.

Lokhu iqoqo imibhalo ukuze zidlulele intela yokuhlala.

impahla Joint

Uma efulethini itholwe yi abanikazi eziningana kuze kube sekupheleni kuka-2013, lapho kuhanjiswa lokuqala Declaration wakhipha isitatimende ukwabiwa ebanjwayo phakathi bonke abanikazi. Okufanayo isakazwa isinxephezelo uthishanhloko kanye isithakazelo. Ukuze ukuthengiselana ababulawa ngemva 2014, isitatimende esinjalo olusha ngonyaka.

share emuzini

Ukwenza imali yentela ku mortgage iqala nge ngonyaka lapho lonke isinxephezelo izotholwa kwinani oyinhloko. Ngaphambili ashaqe sendaba alusho lutho. Endabeni wamaqhuzu bezindawo ebanjwayo kwasakazwa okufanayo njengoba kucaciswa isitifiketi ubunikazi.

Kanjani ukuze uthole imali imali yentela ku mortgage?

amaphesenti Inkokhelo kubalwa esekelwe amanani lekungiyona lekhokhiwe. Ngakho-ke, kumelwe sithathe isitifiketi ebhange njalo ngonyaka, okuyinto ababethi isikimu buyiselo ezikweletini. Kubhekwe le, lesi simemezelo senziwa 3-PIT.

inani isinxephezelo

Ukuze izinto atholwe ekupheleni 2013, nokudoswa kungenziwa ikhishwe inani eligcwele izindleko. On ukuthengiselana wangena ngo-2014, ngokuvumelana nemithetho ezahlukene. Uma inkokhelo izindleko isithakazelo lonke nenkathi yenkontileka ingeqi ruble ayizigidi ezingu 3., Bese sokubuyiselwa imali yentela ku mortgage kungaba inani eligcwele. Kungenjalo ihlawulelwa kuphela ezibekwe izinkulungwane 300. Hlikihla. Uma loan idlula ukubaluleka efulethini, imbuyiselo ke izobalwa esekelwe amaphesenti izindleko ukuthenga e isamba inkontileka. Ngenxa yalokho, inani lemali kuyinto ayizinkulungwane 260. Hlikihla. uma uthenga impahla ngemali yabo, futhi uma wenza i-mortgage - 786 700 ruble.

imali yentela Calculator for mortgage

• Izindleko ezindlini - ruble ayizigidi ezingu-1,7. ebanjwayo lemali:. 1.7 ayizinkulungwane x 0.13 = 221 deda. (Kuphela umzimba imalimboleko).
• Izindleko ezindlini - ruble 4 million. Inani isinxephezelo eziyisisekelo: 2 x 0.13 = 260 ayizinkulungwane ruble ..

Asele ayizinkulungwane 200. Deda. lungekho ngaphansi ebanjwayo. Ukubala uthatha kuphela lemali esichithwa ukuthengwa ifulethi. Isibalo kwaphumela lihlukaniswe phakathi dolevikami endaweni isilinganiso esithile. Uma okwenziwayo kwenziwe kanyekanye (ukuthenga nokuthengisa efulethini entsha ubudala), imali ingasetshenziswa lokukhokhwa kwentela yengeniso kusuka ukuthengiswa kwempahla.

Ngubani bangathola isinxephezelo

Yokudonsa intela ngoba mortgage lempi - kuyinto ukubuyiselwa kwentela engenayo. Ngakho-ke, isinxephezelo ingatholakala izakhamuzi Russian kuphela, abathola imali olusemthethweni akhokhe siqu kwentela engenayo isilinganiso sakhe 13%. Kungokufanayo-non-izakhamizi ukuthi kukhona izinyanga okungenani 6 ezilandelanayo ngonyaka abasebenza Insimu Russian Federation. Uma impahla ebhaliswe eyingane, abazali abangeke bakwazi ukuthola imali ebanjwayo. Abahola impesheni abanale kuwumthombo wemali khona e inani ruble 5534. / Inyanga. (Elingafaki izinzuzo), nazo zingasebenza imvume isinxephezelo. Abesifazane abaku- sokubeletha, ungathola imali ngemva kokubuyela emsebenzini. Uma yokuhlala yathengwa ngaphambili, imibhalo kungenziwa ikhishwe bazihlukanisa engenayo ngaphambi nangemva amaholide. Uma kulonyaka iholo akwanele ukuze uthole imali ebanjwayo, imali ngeke zinyamalale. Bamane qhubeka nesikhathi ikhalenda esilandelayo. Lesi simo ngokuvamile kwenzeka ntu ngokusemthethweni ukuthola kuphela amaholo, futhi lemali esele - imvilophu. Kukhona ngisho izimo lapho mortgage empeleni ikhokhelwe kanye inkokhelo wayakha njengoba engenayo ubuncane. Kanjani ukuze uthole imali ebanjwayo?

Inketho yokuqala - ukuze ujike intela

Kusukela ngo-January 1 kuya ku-April 30 isikhathi esilandelayo lemali ekuqongeleleni endaweni yokuhlala unomphela kumele bathumele lezi zincwadi ezilandelayo:

• iphasiphothi (imvume yokuba yisakhamuzi);
• ukubuyela;
• isitifiketi Umqashi 2-PIT;
• Ulwazi le-akhawunti;
• INN;
• ukuthenga futhi isivumelwano ukudayiswa.

Zonke amaphepha elethwe amakhophi futhi eqinisekisiwe. On-site ebhaliwe isicelo ebanjwayo. Imibhalo zingakapheli izinyanga 3. Ezimweni ezingavamile, intela kungase kubangele umuntu ukuba acacise imibuzo noma ulwazi olwengeziwe. Uma sivunyiwe izinsuku ezingu-30 ku-akhawunti eshiwo lwako wabeka ebanjwayo lemali. umzimba Okokuqala loan lokukhokha yombambiqhaza, bese isithakazelo. Kodwa ngo ukubuya kangcono isikhathi sokuqala abonisa kokubili lemali, bese abasebenzi intela engabuzi mibuzo.

Isimiso ukulinganiselwa phezu amapheji akukho enjalo. Ngisho noma efulethini yathengwa eminyakeni emihlanu edlule, imali ingatholakala imali zanqwabelana yangenkathi ngokuthumela isimemezelo ukuthethwa kwecala. Uma mortgage iye ikhishwe e izimali zakwamanye amazwe, ukukhokha isazoqhubeka ukhokhelwe ruble ngesilinganiso exchange of Central Bank, njengoba kusukela osukwini lokukhokha.

Intela ungenqaba ukwamukela ukukhokhelwa uma:

• isakhiwo labawatfolile esifundvweni nobe igama umsebenzi by imali umqashi;
• ingxenye izindleko yakhokhwa esebenzisa uhlelo "umndeni Young", mortgage lempi, inhlokodolobha womama; kuleli cala, kubanjwe kungenziwa ikhishwe kuphela inani lemali yabo;
• amaqembu kuthengiselana - amaqembu Ezihlobene: izingane; abazali, abazukulu, abangane bomshado;
• alinikezwanga yonke imibhalo.

Eyesibili inketho - emsebenzini

I sokubuyiselwa imali yentela ngoba ukuthenga indawo ebhaliswe njengoba yokungakhokhi yentela ngemali engenayo siqu amaholo. Ukuze usebenzise leli qhinga, udinga ukuthola usizo ahlole ilungelo ukuzuza futhi ahlinzeke umqashi wakhe ngezicelo ezinjalo:

• isitifiketi sokubhaliswa ubunikazi;
• isivumelwano kuthengiselana;
• isicelo isinxephezelo;
• kokuthola irisidi yemali ngumthengisi.

Lezi zincwadi zibizwa ithunyelwa umqashi kanye njalo ezinyangeni eziyi-12 isinxephezelo. Uma umuntu ishintshile imisebenzi eziningana, bese kuba yindawo entsha ukususa kungenziwa ikhishwe kuphela kusukela ngonyaka ikhalenda esilandelayo.

Ngokwesibonelo

Ngo-2014, umuntu wathenga indawo kuwufanele ruble ayizigidi ezingu-7., Ngawo ruble ayizigidi ezingu 3. Bona zakhokhwa wuMnyango loan ekhishwe iminyaka engu-13. inzalo enqwabelene - 1.5 sesigidi sama-ruble. Income sabantu ngokomzimba for sikhathi baba izinkulungwane 900. Ruble.

umzimba imalimboleko lidlule inani elikhulu lapho ebanjwayo zingenziwa. Ngakho-ke, njengoba ibalwa ruble 2 million. Inani isinxephezelo kuyoba:

2000 x 13% = ayizinkulungwane 260 ruble - ukuze udumo yomzimba .;
1500 x 13% = ayizinkulungwane 195. Deda. - ngesithakazelo.

Inani lentela ligodliwe: 900 x 13% = ama-ruble ayizigidi 117 ..

Inani kwentela yengeniso ikhokhwe emholweni ngesikhathi ngomnyaka, kungengaphandle imbozwe ebanjwayo. Ngakho-ke, ngo-2015, umuntu uzothola izinkulungwane 117. Esikhathini indlela yokukhokhelwa. A ezisalayo (ayizinkulungwane 143. Hlikihla.) Ingabe idluliselwe kwesikhathi elilandelayo.

I deductibility inzalo abatshelekayo e inani ayizinkulungwane 195. Hlikihla. ingasetshenziswa iminyaka engu-13, okungukuthi, phakathi nayo yonke inkathi loan. Lokhu isinxephezelo inikezwa ngokwezinga yokukhokha langempela omyalo ebhange. Ngakho-ke kubalulekile ukuba uthathe iphakethe kwemibhalo minyaka yonke, kuhlanganise isitifiketi, okuyinto zaveza ncamashi ukuba abuyisele indlela shí ezikweletini, futhi uthumele ukuba intela. Lesi sibonelo kufanelekile uma ikhaya ubunikazi olulodwa. Uma abanikazi eziningana noma ophethe ukulingana iqhaza, isinxephezelo esabelwe ngamunye abanikazi e ingxenye ethile. Izinhlinzeko lemali zidluliselwa ku-akhawunti yasebhange, bese imali iya ukukhokha izikweletu ku loan. On izandla zabo zingabi ukunikeza. Imibhalo Inkokhelo kufanele abhalwe ukuthi akhokhela i- umuntu ulungisa ebanjwayo.

phansi

Impahla ebanjwayo ivumela baseRussia kunciphise ingxenye izindleko mortgage. Inani eliphelele isinxephezelo aba yizinkulungwane 786,7. Hlikihla. Kodwa lokhu imali ingakhokhiwe ezandleni. Afika ngo-akhawunti yakho yasebhange futhi isetshenziselwe ukukhokhela izikweletu ezisele.