Ubukhulu NGOBUCHULE eRussia. Ubungakanani kutsalwe irhafu yengeniso

berhafu abaninzi abanomdla ubungakanani yerhafu yengeniso ngo-2016. Le ntlawulo ke umqondiso, mhlawumbi, wonke umntu osebenza kunye ngumrhwebi. Ngoko ke kufuneka sinikele ingqalelo ekhethekileyo kuye. Namhlanje sizama ukuqonda yonke into ukuze abhekisele kule rhafu. Ngokomzekelo, bangaphi kuya kufuneka ukuba ahlawule, oya kuyenza loo nto, kukho nayiphi na indlela ukuthintela le "igalelo" ukuze kaNondyebo kaRhulumente. Oko kuya kuthatha? Ukuze uqonde ayikho nzima njalo kwi mba. Kodwa ulwazi kuya kukunceda kwixesha elizayo. Ngakumbi kamsinya nje ube mnye okanye enye ingeniso. Ngamaxesha anjalo yerhafu yengeniso ludlala indima ebalulekileyo. Makhe uqhubeke ekufundweni isihloko sethu ngoku. Kufuneka ucinge eninzi kujonge izinto.

definition

ubukhulu NGOBUCHULE - Kakade ke, kubalulekile. Kodwa kubalulekile ukucinga xa uqonda oko konke ngayo. Loluphi uhlobo irhafu? Ngubani na xa byi? Mhlawumbi wena akayi ikhathazekile konke? Ngoko ke akwenzi mqondo 'dig "kwi iinkcukacha ngesihloko namhlanje wethu.

Enyanisweni, irhafu yengeniso - werhafu ehlawulwa ngabo bonke abemi ingeniso. Libizwa ngokuba umvuzo. Yinto isixa esithile ukuba etsalwa imali ozifumanayo. Kwaye akunamsebenzi nokuba yintoni indlela - kwimisebenzi zobuqu okanye ngohlobo umvuzo. A inzuzo - wayinika yinxalenye wokulondoloza imali karhulumente. Kuyinto le migaqo ezisebenzayo kummandla we-Russian Federation.

ongenandaba

Ngubani Kufuneka wenze intlawulo efanelekileyo? Asinto kunzima ukuthelekelela ukuba mbuzo inxulumene bonke abemi eyomeleleyo. Ngokucace kakhulu, abadala kunye ekwaziyo berhafu. Ingakumbi, ukuba unayo imali ethile. Oko kukuthi, ukuba anithanga ukusebenza uze ungafumani nayiphi na imali (pension kunye nenkxaso yentlalo akujongwa yokufunda, kakhulu), ngoko ke baxolelwe ekuhlawuleni.

Kodwa ummi ukusebenza kufuneka nakanjani avelise intlawulo ehambelanayo. Okunye ngqo, sukube yenza umqeshi, kwimeko engqesho esesikweni. Kodwa ke ubungakanani irhafu yengeniso lobuqu nangoku umdla abaninzi. Kufuneka enyanisweni wazi kangakanani urhulumente ezinkulu inzuzo yethu!

Kwakhona, irhafu erhafiswa kuyo yonke ingeniso evela kwintengiso yempahla (irenti, intengiso), nayiphina ingeniso ngenxa kummandla Russian Federation, lokuwina kunye nezinye iirisithi. Kodwa ke kukho iimeko.

Asazi ukuba ahlawule

Zeziphi ngaphandle ntoni na? Xa ubungakanani irhafu yengeniso wobuqu ngummi Russian abayi kusibekela? Yaye nayiphi na imeko unelungelo lokuba lokubaleka sentlawulo, kodwa ngokusemthethweni? ngaphandle ngokunyaniseka, bambalwa kakhulu.

Iminikelo kunye nelifa zizalamane abekho phantsi yerhafu yengeniso. ugcine nje engqondweni ezivela izihlobo ekufuphi kuya yodwa:

• owakwakhe;
• nomkhulu;
• abazali;
• abantwana;
• Abazalwana noodade;
• ngabazukulwana.

iminikelo kuphela kunye nelifa yezi ndidi zabemi (nokuba isishwankathelo / balwamkele) abekho phantsi unikezelo zethu ngoku. Nabanye ingeniso kuya kufuneka ukuba uhlawule ipesenti ethile yemali. Ngapha koko, abekho phantsi yerhafu yengeniso itransekshini real estate, eyeye kwiminyaka engaphezu kwama-3. Yinto zonke Niyazi ukuba umthetho.

minimum

ubukhulu NGOBUCHULE ingahluka. Konke kuxhomekeke meko. Ngokomzekelo, maxa wambi ungafumana irhafu yengeniso -mali ka-9% yenzuzo. Asiyiyo kakhulu rhoqo, kodwa kwenzeka oko. Ziziphi iimeko?

Ukuba ufumana ingeniso evela izibambiso mortgage-backed ekuthiwa-ekhutshwe phambi ngoJanuwari 1, 2007, nokuba izatifikethi-mboleko. Ukongezelela, imali yerhafu yengeniso kwiinzala, ekhutshwe phambi 2015 (qukwanga) iya kuba 9% yemali wasamkelayo. Le ubuncinane umyinge wenzala ezinokwenzeka kuphela eRashiya.

jikelele

Njengoko unokuthekelela, kukho ezinye meko. Ngaphezu koko, uluhlu olupheleleyo luyabonakala kunye ehlaziya eneenkcukacha kwi website esemthethweni ye-Federal Tax Service of Russia. Kuya kubakho ngokucacileyo Ukubekwa zonke izinto irhafu elithile okanye kwelinye.

Noko ke, xa uhlolisisa olu lwazi luza kuba lula ngokufanelekileyo ukuba bedidekile. Ngapha koko, amaqondo enzala ngawo namhlanje ungaphezu kwe ngokwaneleyo. Ingaba unomdla irhafu yengeniso? Isixa serhafu kule ingqiqo eqhelekileyo yi-13%. Kuthetha ukuthini?

Ayikho into ekhethekileyo. Nje e Russia irhafu yengeniso kakhulu amaninzi zifumaneka ngohlobo-13% yenzuzo yakho. Oku ke kuqhelekile. Kuyinto kuphela kwezinye iimeko ezizodwa ukuze zinongezele okanye linciphe.

Khumbula nje ukuba loo ubungakanani yerhafu yengeniso. Yimivuzo, ukuthengiswa estate yokwenene kunye nezinye iintengiselwano podrabotok. 13% - sisixa idla icala ukuya werhafu. Zonke ezinye i irhafu ziya kuthathwa ukuba iimeko ezizodwa. Kodwa kuhle ukuba ukwazi, kakhulu. Mhlawumbi kuya kufuneka uhlawule kakhulu kunokuba ucinga!

nje eqhelekileyo

ngaphandle ngoku embalwa imithetho yabo. Ukumisela imali yerhafu yengeniso lobuqu akunzima. Ingakumbi ukuba uyazi nini kwaye yintoni umyinge wenzala ihleliwe. Ngokubanzi, kufuneka ahlawule 13% - esele safumana. Kwaye kwezinye iimeko "ubuncinane" kwambatha, kakhulu. Kodwa nayiphi na obhale kufuneka uhlawule urhulumente ngakumbi?

Umzekelo, ukuba ufumana ingeniso evela neentambo. Kodwa nantsi ke kubalulekile ukuqwalasela ukuba umbutho mandatory kufuneka sikhutshwe ngaphandle Russian Federation. Kulo meko, udinga nje ukuba uhlawule-15% yomvuzo wakho.

Kuba naziphi amabhaso kunye lokuwina kufuneka umda zabo kakhulu. ubukhulu NGOBUCHULE kulo mzekelo ziya kuba malunga nama-35 ekhulwini! Ukongeza, olu hlobo mthetho usebenza kwingeniso evela iidipozithi ebhankini, ukuba lidlula ubungakanani echazwe kakuhle. Njengoko ubona, hayi kakhulu yonke kunye nje umba yanamhlanje. Irhafu Yengeniso - into enzima kakhulu, ukuba ukuya iinkcukacha oku. Kodwa loo nto bonke. Kukho nenye into ebalulekileyo. Kwaye angaziboni ayikho imfuneko.

amazwe

Kwirhafu yengeniso na kusinda mntu. Kufuneka uhlawule kunye nabahlali belizwe, kwaye non-nabahlali. Kuphela izixa ezahlukeneyo. ubukhulu NGOBUCHULE eRashiya ukuba berhafu "ekuhlaleni" ivame 13%. Kodwa abasemzini kule ndawo abangathathi ntweni.

Kutheni? Kuya kufuneka ukuba uhlawule amaxesha amaninzi ngakumbi. Yimalini? Kungakhathaliseki ukuba iphume kanjani ingeniso, abemi ezinjalo kufuneka ukunika-30% kwingeniso efunyenwe eRashiya. A imali ethe leyo ekufuneka eziqokelelwe berhafu. Kulo mba, abemi Russian nethamsanqa ngakumbi. Abayihlawula wokulondoloza imali karhulumente kufuneka phantse-2 umphinda ngaphantsi.

ezibanjwayo

Noko ke, ubukhulu yerhafu yengeniso - le nto ibalulekileyo. Kukho kwinkupho yethu ngoku, yaye loo izikhathi kukumbona abahlawuli berhafu. Oku ekuthiwa- kutsalwe irhafu. Into kukuba umtsalane abaninzi. In Russia kuyenzeka ukuba abe yinxalenye imali echithwa kwiinkonzo ezithile ukuba unayo imali irhafu.

Ubungakanani kutsalwe irhafu yengeniso lobuqu efanayo - 13%. Kodwa ke imali ngqo zibekiwe, kuxhomekeke inkcitho yakho. Ngokomzekelo, xa kufikwa kwilifa lenene, ngoko ke ubuninzi ukuba zibuyiselwe - kuba 260 amawaka engange. Elokugqiba, thatha nje ingqalelo imali-13% yeendleko.

Ukongeza, kukho kwakhona iphungulwe olulodwa, nto leyo enxulumene yomvuzo. Ibizwa ngokuba "nabantwana." Ubungakanani kutsalwe irhafu yengeniso kule meko-1 400 engange umntwana ngamnye. Kwaye ngenxa ezimbini, naye. Kodwa wesithathu ezilandelayo - 3 000. Le mali efanayo iya kutsalwa kwimeko zokukhulisa umntwana onesiphene.

Nini yaye oko uyakwazi ukufumana imbuyekezo? Njengoko sele sibonile, ngokuba abantwana. Kodwa kukho ezinye iimeko. Umzekelo, ukuba ulwamkelo abo okanye ezinye iinkonzo kuhlawulwa, ukuthenga impahla yokwenene (kuqukwa nezivumelwano zokubambisa), kwakunye nemfundo kunye nonyango. Ezi zezona zixhaphakileyo.

Le nkqubo kunye ngokoMthetho

ubukhulu ambelwe sele kwaziwa. Kwaye ke ezinokwenzeka, kakhulu. Kodwa ke ngoku kubalulekile ukwazi ukuba yintoni inani kufuneka wenze intlawulo yethu ngoku. Ngokubanzi, irhafu yengeniso kufuna ingxelo. Kubonakala ngoAprili 30 kunyaka ngamnye. Kwaye ingxelo iza kuba kunyaka odlulileyo. Kodwa nokuhlawulwa kwerhafu yengeniso kunokwenzeka kutsho kwi-15 Julayi. Amaninzi, kukho intlawulo phantsi. Kokuba lukhutshwe-30 Epreli, kunye nokusiwa imbuyekezo yerhafu. Ukuba uyaphangela ngokusemthethweni kwaye unayo nayiphi na imali, ngaphandle imivuzo, ngoko ke ixesha akakwazi Ungakhathazeki - luxanduva iza kuwa phezu kwamagxa umqeshi wakho.

Lisenze nayo zifunyenwe kwiminyaka-3 ukusuka kumhla wo yingisela. Kodwa kamsinya ngcono. Oku kudla Kucetyiswa ukuba unyaka ukukhupha imali efanelekileyo. Yenza loo nto kunzima kangaka. Ingaba kwanele ukuvelisa uluhlu ethile lwamaxwebhu. Kuyahluka, ngokuxhomekeke meko, kodwa jikelele uhlala eyodwa:

• Yokundwendwela (copy);
• isicelo yokutsalwa (ebonisa iinkcukacha-akhawunti kunye izizathu zesibheno);
• Declaration (3-NGOBUCHULE);
• Imvelaphi 2-NGOBUCHULE;
• ikopi yerekhodi engqesho;
• SNILS;
• Inn;
• Isiqinisekiso pension (umhlala);
• isiqinisekiso somtshato / uqhawulo-mtshato / ngokuzalwa kwabantwana;
• amaxwebhu isihloko (izindlu);
• ukuvunywa kunye mvume leziko (idla ngokuba zonyango kunye neeyunivesithi);
• yesivumelwano bokuba itransekshini (intengiso, ukunikezelwa kweenkonzo, isivumelwano kunye eyunivesithi);
• Isiqinisekiso stundenta (kubafundi);
• iitshekhi kunye neerisithi ezingqina iindleko zakho.

Njengoko ubona, iinketho ezininzi. Emva ukuhlangana amaxwebhu ayimfuneko isicelo kwiofisi yerhafu kwindawo yakho ulinde. Emva kwenyanga okanye ezimbini uya kuphendula uya kuba itsalelwa okanye hayi.

Ukuba impendulo kufuneka ulinde ixesha elidana. Wazithwala phandle yokutshintshwa kwemali, kakhulu, malunga 2 iinyanga ubuninzi. On yobhaliso, ngokomlinganiselo, kuthatha malunga neenyanga ezintandathu. Ngoku ke kucacile ukuba ubungakanani irhafu yengeniso ehlawulwa ngabo okanye ezinye abemi yaye yintoni kutsalwe bangafumana.