Buyela le wokutsalwa kwerhafu ukuthenga indlu: amaxwebhu. Ixesha lokuba intlawulo wokutsalwa kwerhafu ngokuthenga yokuhlala

Ngoko ke, namhlanje abanomdla ixesha zokuyibuyisa ye ukutsalwa kwerhafu kwi ekuthengeni zokuhlala, kwakunye noluhlu lweempepha ukuba kuya kufuneka ukuba zinike kwiziphathamandla ezifanelekileyo. Enyanisweni, lo mbuzo umdla yaye iluncedo kwabaninzi. Emva kokuba intlawulo irhafu kunye inzaliseko imicimbi ethile, unako ukubuyela ngokulula isixa "elingachazwanga" kwi-akhawunti yakho. Ibhonasi nice evela kurhulumente, ezitsala abantu abaninzi. Kodwa inkqubo okunjalo nemihla kunye nemithetho yobhaliso wayo. Khumbula ukuba akukho nzima kangaka. Njani na ukubuyiselwa wokutsalwa kwerhafu ngokuthenga indawo yokuhlala? Ngawaphi amaxwebhu afunekayo? Ziziphi kwexesha elibekiweyo, ngokubanzi, uyakwazi ukuthatha ithuba? Kufuneka kubekho ubuncinane ethile!

Yimalini?

Ewe, lukhona. Kodwa ngazo kamva. Ngapha koko, usenokuba uqalise ukuqwalasela ngokweenkcukacha nto kulo mgaqo busengozini. Indlela ungenza kubuya deal? Kwaye ukuba kukho umda ethile ukubuyela? kutsalwe irhafu, njengoko umthetho, likuvumela ukuba ufumane-13% yeendleko zabo. Le nkqubo ulinganiselwe kwisixa ukuba abuyela werhafu. Kuyinto 260 000 engange. Unelungelo ukubuyisela imali kuphela izindlu ezixabisa ukuya ku-2 000 000. Ngoko ke, musa ukumangaliswa. Yonke imithetho yabo. Ngaphezu kwama-260 amawaka umva ayisebenzi. Akukho mthethweni.

Nini?

Kodwa ungakhathazeki kangaka. Emva kokuba isithuba intlawulo wokutsalwa kwerhafu ayikho yancinci kakhulu xa uthenga indlu. Ngokuqinisekileyo uya kuba nexesha elaneleyo lokuba kuyo. Yaye ubhaliso jikelele kunye nokuqokelelwa ilungelo amaxwebhu ibonakala akwazuza.

Ziziphi kwexesha isakhelo kufuneka ahlangabezane werhafu? Ngokubanzi, ezibanjwayo impahla, njengayo nayiphi na, ingakhutshwa kwisithuba seminyaka emi-3 elandelayo umhla wo yingisela. Loo nto kuthi ngoko nangoko emva kokuba uthenge bangxame ukulungiselela amaxwebhu. Ngoko ke, nathi, musa ukuba madolw 'anzima, kodwa yidyudyu, awuna ixesha ukuphumeza ingcamango - akunakuba omoya afumaneka ngokupheleleyo.

Ukuziqhelisa, ngokuqhelekileyo ixesha lokuhlawula le wokutsalwa kwerhafu ukuthenga indlu bunikwa kunyaka 1. Hayi, ungenza ngokulula eyicwangcisa kamva. Kodwa ke abemi baqhele ukujongana amaphepha phambi kokuphela kwethuba lokunika ingxelo yerhafu. Ngoko ke, eneneni, ezama ukuba ahlukane nazo zonke iintsalela ngokukhawuleza kangangoko kunokwenzeka. Asinto kunzima kangaka njengoko kusenokubonakala ekuqaleni. Konke ufuna - kukuqokelela uluhlu ethile lwamaxwebhu uzisondeze phambi kwiofisi yerhafu, uze silinde nje.

kufayilwa

Ngoku umbuzo entsha kuvela. Yintoni na ixesha intlawulo wokutsalwa kwerhafu ukuthenga indlu emva kokungenisa isicelo? Ngapha koko, imfuno ukuqonda elide kangakanani abasemagunyeni irhafu ingqalelo kwimeko ethile. Emva koko ke afikelele kwisivumelwano enzima. Ingakumbi xa ucinga ukuba kwiingingqi ezahlukeneyo iindidi ixesha imvume nayiphi na imali ebanjwayo, ipropati optional.

Yintoni ungalindela, nge-avareji? Yintoni na ixesha lokuhlawula ukutsalwa kwerhafu ngokuthenga indawo yokuhlala? Reviews werhafu eemviwo zidla ngokubonisa ukuba yonke into aya kunikwa iinyanga malunga 4. Yiloo ndlela kuya ngokusesikweni kutsalwe emva kokuba isicelo. Ukusuka kwesi sithuba seenyanga malunga-2, loo nto ithathwa ingxelo kuphela. Ezinye ixesha kukho ukudluliswa kwemali ngendleko berhafu. Ngamanye amaxesha le nkqubo kuthatha ngaphantsi, maxa wambi ngakumbi. Kodwa avareji, kubalulekile ukubala iinyanga 4. Eli xesha intlawulo wokutsalwa kwerhafu ukuthenga indawo yokuhlala kwigumbi emva kokuba zingeniswe amaxwebhu zophengululo. Ukuba ufuna ukuphinda-kobhaliso, kuyimfuneko 'ukuba asete sokubala. " ukubala kwakhona iinyanga ezine. Enyanisweni, oku akukho ngxaki.

isicelo

Kulungile, ngoku lixesha lokuba siqwalasele ngokweenkcukacha kuluhlu nangoko kwamaxwebhu afunekayo ukuze yingisela. Ukuba ucinga ngokubuya ukutsalwa kwerhafu ngokuthenga i yokuhlala - nto nto kunzima kangaka. Awunayo mfuneko kakhulu amaphepha. Lidla ezimbalwa iingongoma ezibalulekileyo. Kunye nentwana nomonde. Ngoko phi na ke ukuba uqale?

Kakade ke, ulungiselelo kunye nokubhala isicelo efanelekileyo. Eyona nto kukuba nayiphi na imali ebanjwayo kufuneka kunikwa kuphela xa kukho amaphepha kuyimfuneko. Ngesicelo sicelo. ugcwalisa isampuli ingabonwa kwi website esemthethweni Tax Service of Russia. Kukho kwakhona uhlobo, nto leyo eya kukunceda ukuba wenze isicelo ukusetyenziswa ngakumbi. Ifumaneka ikopi single - yokuqala.

ubuntu

Qiniseka ukuba amaphepha ngokuyimfuneko sikhatshwe ukusekwa zobuntu bakho. Oko kukuthi, kuya kuthabatha uxwebhu olufanelekileyo. Kwimeko yethu, le nto kodwa yokundwendwela. Kwaye, ngaphezulu ngqo, ikopi yayo. Pobespokoytes kwangaphambili, ukuze ukuba iikopi zawo onke amaphepha. Ngokukodwa, 2, 3, yaye omnye apho ubhaliso echongiweyo. Idatha isimo somtshato kufuneka nazo zibonelelwe. Yokuqala ukutsalwa ayifuneki. iikopi ezaneleyo. kokuba nokuba malungqinwe ukubonisa ukuba oyifunayo. Kodwa ke, ukuba ukunyaniseka, abantu abaninzi nje ifotokopi kunye Ungakhathazeki.

Iholo

Into elandelayo eya kufuneka sikhumbule - oku imali yakho. Ixesha ukubuya ukutsalwa kwerhafu ngokuthenga indawo yokuhlala ayikwazi ukuqalisa a countdown phambi uqinisekisa ubume werhafu. Oko kukuthi, musa ukwalatha inzuzo. Kuza kufuneka bavelise isatifikethi-3-NGOBUCHULE. It izaliswe zayo. Kwaye okwangoku, ungakwenza oko uncedwa ucwangciso olukhethekileyo kwi computer. Kwakhona, kufuneka nakanjani uqhoboshele kwifomu yesicelo i-2-NGOBUCHULE.

Uxwebhu yesibini iveliswa ngokuzimeleyo, ukuba usebenza ngokwakho. Kungenjalo (kwimeko yesiqhelo), iphepha kuthathwa kwisebe accounting ngawo kuMqeshi wakho. It is a uhlobo izitatimenti nto unayo imali irhafu. Yamkela kuphela originals izatifikethi. Kufuneka ikopi enye. Ngoko ke, gcina oku engqondweni. Ikopi yengxelo yengqesho akayi kuvela obugqithisileyo.

Iindleko nempahla

Indlela ukwenza imbuyiselo ukutsalwa kwerhafu ngokuthenga indawo yokuhlala? La maxwebhu, ezithe zanikwa ngentla - akukho nto yonke into efunekayo. Ke kaloku, ukuba izatifikethi afanelekileyo ziyafumaneka, kufuneka uqinisekise ubunikazi bakho propati. Kwaye malunga uchitha musa ukulibala.

Yintoni ke ngoko efunekayo? Okokuqala, isiqinisekiso isihloko, khuphela, kukhethwa kubameli. Okwesibini, isivumelwano yentengiso, kwakunye iirisithi ezahlukeneyo ukusuka umthengisi engqina imali transfer-ezifumana kuwe. Iitsheki kunye neerisithi (okanye mandithi, iikopi zazo) - izinto nayo iyafuneka. Ngaphandle la maxwebhu akuyi uya kusebenzisa izimvo ukuba abuye.

Okunye

Esi isiphelo. Buyela le wokutsalwa kwerhafu ukuthenga indawo yokuhlala kwigumbi umhlala kwaye kufuna kuphela amaphepha ngokubanzi abaninzi. Oku akuthethi ukuba kwiinkathazo ezininzi, kodwa kwenzeka oko. Ngoko ke, umzekelo, ukuba umhlala kufuneka ukuqinisekisa isimo sabo kunye namalungelo. Benza iikopi leziqinisekiso zempilo (ingakumbi nokukhubazeka) kunye nesatifikethi pension. Abantu kufuneka ikhadi lomkhosi. Oku kuyinyaniso ngokukodwa servicemen umhlala-phantsi. Kodwa oku, kakhulu, uluhlu ayipheli apho. Yintoni enye kunokuba luncedo?

Umzekelo, ngokufuthi abantu bacela ukuba sihambise nokuzalwa izatifikethi abantwana, kwakunye iphepha umtshato noqhawulo-mtshato. Oku akuthethi kuthi amanqaku abalulekileyo, kodwa ngamanye amaxesha nqanda ubhaliso. Okunye ngqo, akathi okwethutyana. iikopi ezaneleyo ixhaphakileyo. Yifake nje xa kunokwenzeka, ukuthintela nayiphi na imibuzo engeyomfuneko kunye neengxaki.

mortgage

Uyinqaba njengoko kuvakala unakho, kodwa mortgage kuba nako kwakhona yinxalenye imali. Noko ke, apha ubuninzi bexabiso kwezindlu kuya kubakho abasebabini, kodwa amathathu ezigidi engange. Kodwa amazinga enzala kuhlala efanayo - 13%. Yintoni na ixesha lokuhlawula ukutsalwa kwerhafu ngokuthenga endlini indlu? Ngokufanayo kuzo zonke ezinye iimeko. Unelungelo lokucela ezona kweminyaka emi-3, ixesha ingqalelo liya kuba nama-4 neenyanga. Akukho mahluko ayikho ekungasayi kubuye kubekho injalo. Ngaphandle kokuba ngokumalunga amaxwebhu iimfuno. Kuluhlu apha ngasentla kuza funeka kwenza ngakumbi kwaye isivumelwano sokubambisa, kunye iirisithi ukuhlawula wenzala yingisela. Ngaphandle kwabo, ukubuya ukutsalwa mortgage ayisebenzi.

noVimba

Eyona nto ibalulekileyo - kukunika iinkcukacha ukuze nizalise akhawunti yakho. Iinkcukacha Bank kufuneka kubeka kubonisiwe kwisicelo ixhuzulwe irhafu. Ngaphandle kwabo, ngaba uyalelwa nje.

Enyanisweni, akukho nto enzima apha iinkcukacha apho. Wena ukhankanye akhawunti apho ukutshintshela imali ngqo kwifom yesicelo. Kamsinya nje uluhlu olupheleleyo la maxwebhu aya kuba sesilungile, ubanikele kwiofisi yerhafu. Kwaye ngoku uyakwazi ulinde nje. Emva kwexesha uza kufuneka aphendule ukusuka kwabasemagunyeni ukuze isigqibo lokunika imali ebanjwayo okanye ukwala echaza isizathu. Ukuba ubanjwe kunye yesibini khetho, lungisa meko kwaye uzame kwakhona. Kwimeko yokuqala ihlala ukuba alinde ngokutshintshelwa ngqo kwemali kwi-akhawunti.