Irhafu Yengeniso - refund

Irhafu uhlobo ezingundoqo Iintlawulo ngqo, apho amacala yi ngokomthetho kunye nabantu bendalo, ichazwa njenge ingeniso yerhafu. iirhafu ezinjalo zitsalwa kwimali iyonke yomvuzo, oko kukuthi, ukususela ingeniso iyonke kunyaka odlulileyo. Kwakhona, iirhafu nga kuxhuzulwa kwingeniso yangoku nangenyanga. Ngokuqhelekileyo kukhangeleka ngathi ngexesha elinye-intlawulo.

Ukuba umvuzo ongaphantsi kwe-mali kuxhomekeke yerhafu, notsalo azenziwanga. Kwilizwe lethu, ayikho phantsi irhafu pension.

ngokuxhomekeke Income ukuya Irhafu irhafu bubonwa kokuphungula i-13% yemali iyonke efunyenweyo, kuthathelwa ingqalelo zonke izibonelelo kunye izaphulelo, ezo xisekelo ngokusemthethweni.

Abemi ezirhafelwayo, kungakhathaliseki nokuba unayo okanye awunayo yokuhlala ngokusisigxina eRashiya. Into esemqoka ukuba ezibe kummandla Russian Federation of kwiintsuku eziyi-13 okanye ngaphezulu.

Abantu abaninzi bayazibuza indlela ukubuyisela irhafu yengeniso, ukuba kukho inzuzo, kodwa ukusebenzisa oko, andazi. Le nkqubo noko inzima, kulandele ukulibaziseka kumaziko. Kuyimfuneko noqeqesha isibhengezo kweerhafu, isicelo ukubuya imali yerhafu, kwakunye isicelo yokutsalwa. Xa uqala wakhwela kulo meko, kungcono ukuba owonithemba amaxwebhu ikhuphe umntu ofanelekileyo ngokusemthethweni kule ntsimi.

Ngubani na ukufuna irhafu yengeniso, ufumanise ngezantsi. Man ukuthenga indawo yokuqala, unelungelo ngokupheleleyo ukubuyiselwa imali 260 lamawaka engange, ukuba uxwebhu kwi ekunene kwipropati ifunyenwe emva kaJanuwari yokuqala ka-2008. Xa ukubhaliswa intengiselwano phambi kwalo mhla ubuyiselwe imali imali engange ukuya ku-130 000. Maxa wambi iingxabano ukubuya rhafu isonjululwa enkundleni. Oku kwenzeka kwiimeko xa ngummi akavumelani nesigqibo yabaHloli Tax. Ngokuqhelekileyo oku kuthetha ngaphezu kokuba kutsalwe irhafu esemthethweni.

Xa mortgage liboleke abanye; Nobolekayo ukuze babuye irhafu yengeniso-13% kutsalwa ukusuka imali yerhafu.

Wathengisa impahla, leyo osezandleni ngaphezu kweminyaka emithathu, deduction ipropati ayenzelwanga. Oko kukuthi, imali efunyenwe kwintengiso, ezifana zokuhlala, akaqhotyoshelwanga irhafu. Loo mthetho lilungisa ngenxa ngeendibano ukuba eyaqala ngo-2009.

Ekubeni xa kukho ixesha countdown leminyaka emithathu. umzekelo:

Wena anikwa yokuhlala, unayo bananise, okanye bangena kwisivumelwano kwerente, ke ngoko, ekuqaleni kwexesha ziya kuqwalaselwa njengoko ixesha xa kwenziwa ukubhalisa impahla regpalate. Xa kunjalo, ukuba uthe wathenga impahla kwisakhiwo esitsha, i-xesha esibuyel'emva iqala mzuzu xa ukufumana izandla zakho phezu isiqinisekiso lobunini. Ukuya estate ilifa - ilifa emva kokufa unqophisileyo ngayo. Ukuba indlu yakho ibe lwentsebenziswano, ukuba emva kokuba kwenziwe zonke iintlawulo, nekuya umhlaba.

Kulilungelo ukuba irhafu yengeniso olukhoyo namhlanje? Njengoko sisazi, izinga lerhafu esisiseko yi-13%. Ngenxa yesi sizathu, kubalwa yaye wahlawula yerhafu yengeniso. Ndafumana amatyala, xa umntu uhlawule irhafu sele unelungelo ukubuyela ukuba kukho izizathu ezivakalayo ukwenza njalo.

Ukubuyiselwa kungabonwa kule meko zilandelayo:

1. Xa yakhiwe indlu yakhe;
2. Xa uthenga imoto, izindlu yabucala okanye zokuhlala;
3. Xa usenza isicelo semali-mboleko okanye imali-mboleko yezindlu okanye mboleko indlu;
4. Ukufundisa abantwana okanye ukufunda yabucala;
5. Xa uthenga iziyobisi okanye unyango;
6. Xa kuthengwa inshorensi LCA;
7. Xa inshorensi yomhlalaphantsi ngokuzithandela;
8. Xa iminikelo yebandla;
9. Xa zokwenza yesisa.

Ukuba irhafu yengeniso akwenzeki ukubuyela kwixesha elizayo, akukho mfuneko lithemba. Kukho ixesha esemthethweni, ngexesha apho unako ukubuyela ukuphinda le nkqubo. Yena iminyaka emithathu.