Buyela NGOBUCHULE xa bethenga indawo yokuhlala kunye nerhafu kwi ekuthengisweni kwempahla

Inkqubo irhafu eRashiya ubonelela ukuba kuhlawulwe inani zerhafu ezahlukeneyo, ukuze aqonde ukuba ngamanye amaxesha kunzima kakhulu. Umzekelo, kwikhaya rhoqo oko kwenzeka isiphithiphithi phakathi irhafu kunye ebanjwayo, imali ebanjwayo kanye kwemali, imali yerhafu yengeniso xa bethenga yokuhlala iphungulwe ukusuka kwiintengiso.

iirhafu zepropati ezibanjwayo impahla

Kuyimfuneko ukuqinisekisa ukuba irhafu - le mali ukuba abemi kufuneka ukuba ahlawule ngonyaka ngamnye kwi-mali (kuba nendawo yalo), okanye ngexesha elifanayo (ekuthengisweni zokuhlala). Kala irhafu yonyaka emiselwe nabasemagunyeni basekuhlaleni. Irhafu kwi yokuthengisa zokuhlala zibalwe ze ihlawulwe kwi izinga-13% yeendleko kwezindlu.

Property ezibanjwayo - oko izibonelelo kweentengiselwano kunye izindlu. Ihlala yokuba kwisiseko irhafu yabantu ebonakalayo lehle nge-mali ethile. Nangona kunjalo, le notsalo ukuthenga nokuthengisa iintshukumo ezimbini ezahlukeneyo ngokungqinelana umphumo.

Kokuba kutsalwe sale

Kwimeko ilifa lokwenene eliphethwe kweminyaka ngaphantsi kwesithathu, ingeniso umthengisi eyenziwe, 13% awathi unyanzelekile ukuba ahlawule zobuncwane. Nakuba kunjalo, nawuphi na ummi unelungelo ukunciphisa irhafu amawaka 260. Engange okanye isixa-mali ka-13% ye-ngaphambili ezenziweyo ukulungiselela ukuthenga iindleko lwezindlu. Ngamanye amazwi, oku kungathatha ithuba yotsalo impahla ezivela kwintengiso ka-2 000 lamawaka. Engange okanye isixa-mali ngaphambili ezichithwa yokuthenga indlu.

Ngoko ke, ifanele ukuxhuzulwa irhafu yentengiso nga ukunciphisa okanye nilenze ngayo. Ilungelo Imali evela kwintengiso abantu bendalo ungasebenzisa i transaction ngasinye indlu.

A kutsalwe ukuthenga

Okokuqala, kwakhona, ukuba akukho rhafu kwi yokuthenga izindlu ukuba abantu ukuhlawula oko akukho kuyimfuneko, njengoko kwi Russian Federation isinyanzelo sokuba uhlawule irhafu yengeniso kuvela kuphela ngokunxulumene zokufumana ingeniso. Ngaphezu koko, nkqu ukungeniswa isibhengezo kwimeko uthenge yokuhlala kwenziwa ngokuzithandela, kunoko, ilungelo ummi. Noko ke, kumele bathathe, njengokuba kulo mzekelo, urhulumente ukunika izibonelelo ngohlobo imbuyekezo ehlawulwa irhafu yengeniso okanye ukupheliswa kwintlawulo yerhafu yengeniso kwindawo yomsebenzi.

Ekubeni sithetha malunga nokubuya kufuneka ngaphambili ihlawulwe irhafu. Apha emthwalweni olusebenzayo: kufumana imbuyekezo yerhafu yengeniso xa uthenga indlu angakwazi kuphela ezo ngabemi, kunyaka owandulela lo yentengo, ebezi kuyarhafelwa rate trinadtsatiprotsentoy, kwaye ahlawulwa nababuthi berhafu zabo. Ngenxa yoko, abanalo ilungelo lokufumana imbuyekezo kubantu abaphila iinzuzo karhulumente kunye neemali zomhlala-phantsi: abafazi phezu ikhefu lokuya kubeleka ze ukushiye umntwana, abakhubazekileyo kunye nezinye iindidi abemi. Ngokutsho komthetho № 330-FZ umhlala abaye wathenga indawo yokuhlala, sinokulindela ukuba edluliselweyo efunyenweyo kwixesha accounting kwintlawulo yerhafu yengeniso, kodwa akukho ixesha ngaphezu kwemithathu. Ngamafutshane, ukubuyiselwa yerhafu yengeniso xa bethenga umhlala yokuhlala iya kuba nako, ukuba uthenge indlu, hayi emva kweminyaka emithathu ukusuka umhlala-phantsi.

Imali yerhafu eya kubuyiswa anqongophele - unako kwakhona ukusuka mali sabakho 260 lamawaka engange .. Kubonakala, apha amafa asele okanye imiyolelo ngu 2 Mill. Engange. Personal yerhafu yengeniso ukubuyekeza ngeendlela ezimbini: ngokohlobo ngexesha elinye-imbuyekezo yerhafu ehlawulwa mali kwixesha elidlulileyo, ukufumana zokuhlala, okanye ngohlobo yenyanga zero irhafu yengeniso kwindawo yomsebenzi. Ukuba ingqalelo kuhlawulwa okanye eliqokelelweyo ngonyaka irhafu akwanelanga ukuba agubungele kukubuyisela isixa-mali esisashiyekileyo ikhutshelwa ukubuyela kunyaka ozayo. Ezi nketho kuphela abadala, ukuba ihlawulwe ngabo ngexesha kwiminyaka emithathu phambi nokufunyanwa, akayi kuba ngokwaneleyo ukugubungela le mali, intsalela ingasetyenziswanga nje "aqhumisele" irhafu yengeniso.

Ngenxa yoko, kubanjwe ukusuka ukuthenga indlu ivumela umthengi ukuba abe yinxalenye imali ehlawulwa propati. Ubuyiselwe imali yerhafu yengeniso xa uthenga indlu kukho ngummi kanye kuphela ebomini.

Njengoko kubonakala, irhafu yepropati, deduction impahla ukuthengwa okanye ukuthengiswa - amagama ezintathu ezahlukeneyo ngokupheleleyo, nganye ichaza imisebenzi eyahlukileyo berhafu kunye nomthetho, icwangcisa ubungakanani intlawulo nayiphi na imali-mali, okanye zizibuyisele werhafu.