Wokutsalwa kwerhafu yepropathi ngokuthenga indlu: imiqathango yamaxwebhu afikayo

Ukuthenga i yokuhlala - kuyabiza. Abemi abaninzi bafumana mortgages lwezindlu. Urhulumente ubonelela iqela amanyathelo enkxaso ngenxa baseRashiya, abaye ezifumene ubunini izindlu. Enye kakhulu ethandwayo kukukwazi ukusebenzisa kutsalwe irhafu yezakhiwo. Ziziphi iimpawu zoyilo wayo? big njani ukuba wena ukuhlawula?

Undoqo lotsalo

Yintoni na ipropati wokutsalwa kwerhafu ukuthenga indawo yokuhlala? Abemi Russian abathenga ngeemali zokuhlala izindlu zabo zokwenene, banelungelo lokuba abuyele-13% yeendleko ezinxulumene nokufunyanwa kwempahla. Kodwa ke, ukuphumeza olu phawu kuvunyelwa kuphela ukuba ngummi uhlawula uRhulumente irhafu yengeniso, nto leyo 13% yomvuzo okanye enye ingeniso. Kunye notsalo efanelekileyo kunye yinxalenye imbuyekezo kwi athenge iindleko yokuhlala. Ngoko ke, iintlawulo ekuthethwa, obizwa ngokuba "irhafu".

Iindleko ukuba iindleko

Ukuthenga indawo yokuhlala kufuneka sikhatshwe ezinye iindleko ezinxulumene. Ezifana, ngokomzekelo, ukuthenga izinto zokwakha kunye nezinto ophela ukuze ilungiswe, ahlawule ubuchwepheshe obufunekayo. Eneneni, ezi ntlobo zimbini ze iindleko, kunye nabo ezibonisa imali ehlawulelwe indlu, nazo zibandakanywe ixhuzulwe irhafu.

Kwezinye iimeko, kunokwenzeka kwakhona ukubala phezu imbuyekezo yeendleko ezinxulumene nokufunyanwa komhlaba zokwakha ngamnye. Property wokutsalwa kwerhafu ngokuthenga kwigumbi ukwasebenza iindleko inzala mboleko yebhanki. Imali eyintloko setyala ngexesha elifanayo kufakwa iindleko lwezindlu.

Kuphela ilungelo labemi

Ukuze ukuba ixhuzulwe irhafu xa uthenga indlu, siye kufunda. Kuphela xa abemi abo bantu emzimbeni lingasebenzisa ilungelo lokuba olu hlobo imbuyekezo? Ewe, kunjalo. LwabaThunyelelwa lokubuya - kuba ngabantu bangaphandle. NGOBUCHULE - uhlobo kuphela serhafu kuthathelwa ingqalelo xa kubalwa intlawulo tivi. Umzekelo, ukubuya VAT xa uthenga indlu egameni lombutho akunakwenzeka. Ngaphezu koko, indlu, elenziwe deduction kufuneka zibekwe kwi kummandla Russia. Kwakhona qaphela ukuba ilungelo imbuyiselo yerhafu yengeniso kuphela abahlali yerhafu i-Russian Federation. Oko kukuthi, abo abemi abahlala eRashiya iintsuku ezingaphezu konyaka ngaphezu kwamanye amazwe. Ukuba umntu kutshintsha non-umhlali, irhafu byi - 30%.

Ngenxa yoko, imali VAT xa uthenga indlu kunye deduction nokubulawa kubantu abaninzi ixesha ophilileyo amazwe, akunakwenzeka ngokusemthethweni. Kodwa oku zonke bokuqonda zomthetho enxulumene ukuphunyezwa kwamalungelo baseRashiya kwi amalungelo efanelekileyo xa uthenga indlu. Cinga eminye imiba eziphawulekayo. Ngokomzekelo, abo enxulumene kwenkcazo ubungakanani ukutsalwa, ezisekelwe phezu utshintsho olusandukubakho kwi Code Tax.

Ubungakanani ukutsalwa esemthethweni bokuqonda

big njani iphungulwe kwipropati xa uthenga indlu? Ukuze uphendule lo mbuzo kakuhle, siya kuphonononga ezinye bokuqonda umthetho. Into yokuba kude 01.01.2014, olibambela iseti lwemithetho bokubala imali ebanjwayo, emva - into eyahlukileyo. Utshintsho ezinxulumene ne-hlengiso izibonelelo ezithile Code Tax.

Le nkqubo-sikhokelo yaba iinguqu ezifanelekileyo lwemithetho uzimisele ukuba inani eliphezulu lotsalo kunokuba ukuya kwi-13% wamcacisela inani engange yezigidi 2 echithwe ekufunyanweni iipropati omnye okanye ngaphezulu (kuquka neendleko zokulungisa kunye nomhlaba). Yona ke inzala mortgage, ngoko ke ixabiso kugcwala imbuyekezo emva kokuba uhlaziyo - 13% ye engange-3 ezigidi yahlawulwa kwibhanki.

Kwenzeka ntoni utshintsho kwi-Code Tax? Isixa esisiseko ebonisa iindleko izindlu yaba efanayo - 2 million, kodwa ufumana 13% yaso ngokupheleleyo, oko kukuthi 260 lamawaka engange, kwaba kuphela ukuba impahla enye ... Kulo mzekelo, ukuba ixabiso indawo yokuhlala okanye indlu ngaphantsi kwe 2 million, lo dopoluchit 13% umahluko phakathi kweli nani kunye ngokusemthethweni Yayingekho. Ngokuphathelele inzala, Noko ke, akukho miqobo imali iye ayasekwa.

Indlela mabini inento i "umbuso" ilawulwa apho ipropati wokutsalwa kwerhafu ukuthenga indawo yokuhlala? Ingaba umthetho kulo mzekelo unalo nomkhwezeli? Konke kuxhomekeke kanye xa umntu okokuqala ekhuphe ukutsalwa xa uthenga indlu.

Ukuba uthe wayenza le izilungiso kwi-Code Tax kokuqala kokusebenza, ngokubhekiselele kwimeko yakhe, imimiselo sisebenza phambi inguquko. Oko kukuthi, ukuba unako ukubuyela kutsho kuma-13% ye-engange zigidi ezi-2 ukusuka iindleko ukuthenga ipropati nje omnye, kunye nokulungiswa, ukuba, ngokulandelelana, esilingana imali okanye mkhulu kunaye. Noko ke, uya kuba nako ukubuyela ngomdla ehlawulwa kwi-mboleko kangangoko "nabezhit" zabo, - phezulu akukho umda apha. Nangona umntu uthumela intlawulo semali-mboleko ebhankini, uya kufumana zibalwa ngokusekelwe-mali ahambelana ezibanjwayo.

Ukuba umntu okokuqala kwi-Federal yerhafu Service, ukuze bazobe kutsalwe xa bethenga indawo yokuhlala kwigumbi emva 01.01.2014 nyaka, sele kumagama omtsha umthetho uya kusebenza ityala lakhe. Oko kukuthi, ukuba bekufanele ukuba kutsalwe-13% ye-kwezigidi ezi-2 - kunye neendleko kokuthenga iipropati omnye okanye ngaphezulu, ukususela kwizigidi ezi-3 - on-mboleko.

Ngoko, ixesha ukuthenga ekhaya - ukutshintsha okanye emva - Akukhathaliseki. Okona kubalulekileyo, xa umntu isicelo ukutsalwa lokuqala. Ngoku, eneneni, oza kuyenza le nto isenzeka ngayo - ukuba isicelo Federal weRhafu Service for imbuyekezo efanelekileyo.

Ukuze qhagamshelana net

Property wokutsalwa kwerhafu ukuthenga indawo yokuhlala, njengokuba umthetho, awuhlawulwanga ngexesha elifanayo. imbuyekezo accrual kwenzeka kanye ngonyaka - ngokomlinganiselo ixabiso irhafu yengeniso, eye yahlawulwa yi-ngummi kuNondyebo kunyaka yerhafu. Isondlo, Kakade ke, umntu opheleleyo indawo ukubuya inxalenye yeendleko kunokwenzeka, kodwa kuphela xa ukutsalwa kwerhafu yengeniso ukusuka umvuzo okanye enye ingeniso esilingana okanye kwagqithiswa amawaka 260. Engange. Ukuba akukhutshwa ukuxhuzulwa irhafu ngokuthenga indlu kwi mortgage yaye ipesenti, Ekuqinisekiseni mali kubuyiswa, uqhutywe kwi-siseko efanayo - wachaza ixabiso iintlawulo ibhanki kulo nyaka.

Ngoko ke, ukubala imali ehlawulwayo lwenziwa ngokwesiseko ezi khrayitheriya zilandelayo xa isicelo kwi-Federal Tax Service: Yongeza ukutsalwa phantsi irhafu yengeniso kunye nomdla yebhanki kunyaka owandulela ukuba apho ummi uba FTS. Faka sokubuyiselwa imali xa uthenga indlu ingaba ngalo naluphi na usuku. Kukho uguqulelo ukuba kufuneka kwenziwe Apreli 30, kodwa ayikho. Lo mhla - elimisiweyo apho umqeshi kufuneka anike iinkcukacha Federal Tax Service irhafu ehlawulwa kubasebenzi balo salaried. Kuba abemi ngokwabo, ngokubanzi, kuvela iimbopheleleko efanayo. I FNS kufuneka azise iphakheji amaxwebhu eziliqela. Yintoni na?

imiqulu

Okokuqala, sisibhengezo irhafu, wenza ngokwesiko ifomu-3-emhadini. Ingafuna ukuba kwiingxelo kwinkampani labaqeshi. Kukho enye uxwebhu efanayo - Isiqinisekiso 2-esihogweni, lwemivuzo ngonyaka kuboniswa kuyo. Kuyimfuneko ukuba ityale imali iseti oqhelekileyo izibambiso ubhaliso lotsalo.

FNS kufuneka amaxwebhu engqina ilungelo ubunini engummi ekhaya. Kananjalo kuya kufuneka ukuba ikhontrakthi kwentengiso indawo yokuhlala, okanye isivumelwano kwi inxaxheba isabelo ekwakheni (xa nangoku yakhiwe indlu). Ukuba omtsha, kuya kuthabatha sisenzo ulwamkelo kunye nokudluliselwa wayigqiba lwezindlu. Nangona ezinye iingcali zikholelwa ukuba iNkonzo Tax akufuneki ukuba uxwebhu lokugqibela ngaxeshanye isivumelwano intengiso okanye "dolevku". Ubukhulu becala ke kuxhomekeke nkqubo yamasebe lwengingqi Federal Tax Service.

Siye kuluhlu amaxwebhu ebonisa indlu yelo kumnikazi. Kodwa ke imbuyekezo yerhafu xa bethenga yokuhlala - eli ukuthenga kwemali. FNS kufuneka ukunika amaxwebhu yentlawulo, nto leyo iya kubonisa isixa senkcitho. Kusenokuba iingxelo zebhanki, iirisithi, iitsheki, izatifikethi, njl, kwezinye iimeko - .. A liyifumene umthengisi ukuba uye wafumana isixa loo mali. Ukuba ukutsalwa kwerhafu kwenziwa xa uthenga indlu kwi mortgage, i-Federal Tax Service uya kucela isivumelwano semali-mboleko kunye elunxwemeni. Kufuneka iinkcukacha leyo FNS luza ukutsalwa.

Ukulungiselela onke la maxwebhu, kufuneka uthathe yakho yokundwendwela uze utyelele isebe sendawo wenkonzo yerhafu. Kukho FTS iingcali ziya kukhupha ingxelo eza kugqitywa ize iqhotyoshelwe nakwabanye kwamaphepha. Inxalenye ulwazi kugqithiselwa Federal Tax Service ngokusebenzisa portal "Gosuslugi.Ru", kodwa inkqubo yentsebenziswano elektroniki kunye noMphathiswa abemi kangako olulungiswe - kusekho kufuneka kusetyenziswe "off-line" tyelelo kwisakhiwo. Ukunika amaxwebhu, ungenza ulinde de ukutsalwa ukwenzela ukuthenga zokuhlala zidweliswe kwi-akhawunti ecacisiwe yebhanki. Axa i-Federal Tax Service kufuneka enze ezifanelekileyo zokubhankisha intengiselwano - hayi ngaphezu kweenyanga ezi-3 ukusuka kumhla wokufunyanwa kwesicelo.

isimo enye

Kukho nenye indlela, ukhetho ezinokusetyenziswa ukuze akhuphe wokutsalwa kwerhafu yepropathi ngokuthenga indlu. Sele wathi ukuba kukho ilungelo kokufanayo ngummi ngenxa kwintlawulo yerhafu yengeniso kwimivuzo kunye nezinye ingeniso. Kodwa ke umthetho ivumela enye indlela ukubuyela irhafu yengeniso ngeendleko deduction lobuqu - ukungahlawuli le rhafu. Oko kukuthi, umqeshi nje akuyi kuthi kuye, engazibaleli umvuzo. Ukuba basebenzise le nqubo, kuyimfuneko ukuba isicelo Federal weRhafu Service, ukuba bafune apho uxwebhu ebonisa ilungelo ukuba axhuzule, uze uzise kwisebe accounting. Kodwa ke, ungakwazi ukuthatha kube kanye kuphela ngonyaka. Ke ukuba umntu lwananisa imisebenzi, koko kwakhona ukuphumeza lo msebenzi ngeke isebenze. Noko ke, ukuba ummi baqeshwe kwiindawo ezininzi, ngoko awukwazi ukuhlawula irhafu yengeniso ngalinye. Ukusilela ukuhlawula irhafu kwimivuzo ungatsala nje isixa esitsaliweyo alifikeleli amawaka 260. Engange, ngokusekelwe kwi-mali esichithwe kwi tyaba, okanye imigubasi (ukuba isicelo sifakwe phambi 01.01.2014 ngonyaka) ngenxa yomdla mboleko. Olu khetho luluncedo kwakhona ukuba umfowunelwa yenziwa ukutsalwa kwerhafu yepropathi ngokuthenga endlini mortgage. Amaxwebhu - ngokufanayo kule meko yokuqala.

Qaphela ukuba imbuyekezo evela Federal Tax Service phantsi scheme libonisa non-kwintlawulo yerhafu yengeniso kuphela imbuyekezo yabasebenzi yangoku. Ukuba umntu kutsalwe "kungaqatshelwanga" ngaphambili - kuza kufuneka sisebenze kweli nqaku yokuqala.

ummiselo ukulinganiselwa ukuba ukutsalwa

Kukho miqobo ngqo xa isicelo ukuxhuzulwa irhafu. Akukhathaliseki elidlulileyo abayithengayo elide kangakanani indlu. Kwangaxeshanye, lobuqu yerhafu yengeniso ehlawulwa kumvuzo kubalelwa iminyaka emithathu kuphela ezandulela lowo, xa umntu efaka isicelo ebanjwayo i-Federal Tax Service.

Isixa - kuphela inkcitho lobuqu

Ilungelo ukuba kutsalwe xa uthenga indlu ummi kwenzeka kuphela xa izindlu ezithengiweyo imali zabo. Awukwazi ukubuyela emhadini kwi-sikhokelo le nqubo, ukuba igumbi kwakunikelwa nguthile, nezuzwe-mali evela kurhulumente okanye umqeshi. Amaxwebhu ukuba zingeniswe kwiNkonzo yerhafu kufuneka ngokucacileyo ukuqinisekisa into yokuba iindleko ezinxulumene ukuthengwa kwempahla, ummi wazenza.

Mhlawumbi, Kakade ke, ukuba inxalenye yeendleko ukwenzela ukuthenga indawo yokuhlala okanye indlu abantu, kodwa ngaxeshanye babesebenzisa ngenkxaso karhulumente. Kulo mzekelo, ukubalwa ukutsalwa unokwenziwa usekelwe lwemali ukuba ummi echithe ngokobuqu. Ukuziqhelisa, Kwimeko enjalo kunokwenzeka ukuba ezindlini intlawulo zobukhulu ezithile lwaqhutywa ngeendleko eyinkunzi umzali. Kulo mzekelo, imali evela kurhulumente, ithe sisuswe lilonke, ebonisa iindleko yentengo kwezindlu. Isiphumo isiseko ukubala ukutsalwa kwemali.

Iapatmenti endlwini elisanda kwakhiwa

Zeziphi iquka le bokuqonda ukuxhuzulwa irhafu ngokuthenga indlu kwindlu elisanda kwakhiwa? The main ubunzima apha - iindidi ezithile izivumelwano zokwakha ekwabelwana yenzelwe ukuze ummi mzuzu xa ipropati obuthenjisiwe awunikwanga, phezu newonga co-mali, kodwa hayi Umnini weziko.

Isenzo Ukwamkelwa nokudluliselwa ugqibile lwezindlu, ide indlu ayikagqitywa, umbhambathiswa oko mhlawumbi akuyi ndoninika. Ukuze bakwazi ukukhupha wokutsalwa kwerhafu ukuthenga indlu, amaxwebhu umele ubunini. Ngaphandle kwabo, i-Federal Tax Service angenako ilungelo lokuba negalelo ekuphunyezweni a kuzwelonke hlobo.

Ebanjwayo kanye mortgage

Ziziphi iinkalo eyenzeka wokutsalwa kwerhafu ukuthenga indlu kwi mortgage, hayi kuquka nezo siye okhankanywe ngentla? kujonge izinto eziphambili kulo mzekelo zinxulumene ukuqokelelwa amaxwebhu. Into yokuqala uzocela Federal Irhafu Service - isivumelwano sentengo yemboleko. Okulandelayo - intlawulo imithombo indalo. Ukuze uqinisekise isixa iintlawulo kwi-mortgage, ezathi zaphunyezwa kulo nyaka, ummi weli kufuneka uqhagamshelane ibhanki ukufumana ingxelo, ekufuneka ngokwahlukeneyo yabonisa iintlawulo zeenqununu kunye nenzala. Ngawo lawo eziyintloko, eziyimfuneko ukuze akhuphe wokutsalwa kwerhafu ukuthenga indlu kumaxwebhu mboleko.

Kukho inani kujonge izinto. Noko indlela esetyenziswayo kufuneka idibane kwisivumelwano sentengo yemboleko, ngokusekelwe wenziwe ukutsalwa kwerhafu yepropathi ngokuthenga endlini mortgage. Ngaba ibhanki, owazeka engummi mboleko? Iingcali zikholelwa ukuba akukho. Ngaphezu koko, le mboleko ukuze kukhutshwa kwiziko zemali non-zebhanki. Okona kubalulekileyo, waba injongo. Yiloo nto ke isivumelwano kunye ibhanki kufuneka zicaciswe ukuba umntu ovumayo ukuba usebenzise imali ebolekiweyo ukuthenga kunye nendawo yokuhlala enjalo, ndlu, okanye ndibakhe (okanye alungise).

Ngaba ukhetho kunokwenzeka abantu baya kwenza apho phandle ukuxhuzulwa irhafu esekelwe kuphela inzala kwimali mboleko? Oko kukuthi, umzekelo, kwiimeko apho alikafiki ezandleni sisenzo ulwamkelo kunye transmission indlu kunye namanye amaxwebhu ayimfuneko ukuqinisekisa ngokusesikweni sobstvennno ekunene? Iingcali zikholelwa ukuba oku akunakwenzeka. Ngaphezu koko, xa umntu efaka isicelo ebanjwayo kwiNkonzo Tax, phezu komyalelo ephambili intlawulo iya kubalwa ngokusekelwe kokuthenga iindleko yokuhlala kunye nokulungiswa. Kwathi kamsinya nje akuba-13% ye-kwezigidi ezi-2 okanye isixa ebonisa iindleko ezifanelekileyo ziya kugqithiselwa ummi, ngoko kuphela zithathelwa ingqalelo mboleko.

ubunini Joint kokuhlambeleyo

Kwezinye iimeko, umntu othenga indlu phezu amalungelo ekwabelwana (okanye oludibeneyo) ubunini. Kulo mzekelo, ngummi uya kuyigcina nelungelo kutsalwe. Kodwa "othi" yokubala iya kuxhomekeka ekubeni yintoni uhlobo ulwalamano kusekhona - kodwa sabiwe okanye kumaphulo ngokukodwa. Kwimeko yokuqala, isiseko zemali ukuze kubalwe le yengeniso yerhafu ye izibalo kuya kuba ngokomlinganiselo isabelo ubumnini. Oko kukuthi, ukuba indlu ixabisa izigidi 3.5 engange, kwaye umntu ongumnini-20% yawo, ukuba FTS ukubala kutsalwe-13% ukususela 700 lamawaka. Thambisani.

Ukuba ipropati kunye, abanini kuya kufuneka avumelane ekusasazweni yexabiso kwisiseko zemali ukutsalwa, ngokunjalo ukwenza kwizibhambathiso zabo ngokusesikweni ngokungenisa yesicelo efanelekileyo Federal Tax Service. Mhlawumbi akuyi kuba nako bavumelane - kulo mzekelo, kungenziwa okusesikweni elisekwe yinkundla. Qaphela ukuba ubunini sheya ngandlel emi- isiseko mali ukutsalwa ngeke.

Le wokutsalwa kwerhafu umhlala

Kwezinye iimeko, kukho umbuzo malunga kutsalwe irhafu kwenziwa njani xa uthenga indlu umhlala-phantsi. Ngokuvumelana noko elawula intsebenziswano kunye Federal Tax Service kule meko? Into yokuba umntu umhlala ayihlawuli irhafu yengeniso. Ke ukuba lo mthombo kuphela sengeniso ngummi, isizathu ukutsalwa, ngokubanzi, asivelanga. Kodwa zikhona ezinye iindlela ukuba ungakwazi angathembela kwamanye imbuyekezo ukwenzela ukuthenga iindleko lwezindlu. Ukuba zeziphi ezizezona kakhulu?

• I ukhetho lokuqala - i umhlala enxuseneyo libalekela kulo. Kulo mzekelo, unelungelo elisemthethweni kubetheleleke ngokupheleleyo ilungelo ahambelanayo ukutsala kwinkqubo-sikhokelo iinkqubo esele zichazwe ngasentla.
• Le ukhetho yesibini - le umhlala babenikelwe intengiselwano phantsi apho urhulumente kufuneka ukuba ahlawule irhafu yengeniso kumyinge we-13%. Kusenokuba, njengoko enye, ezinye izindlu ezithengiswayo. Kwaye kule meko ilungelo lotsalo kwi yokuthenga izindlu kunye isinyanzelo ukuba ahlawule irhafu kwi wathengisa kukuze ndivuseleleke neyalo ngendlela.
• Umba luthatha ukuba umhlala ahlawule naziphi na iirhafu iminyaka emithathu ngaphambi koko, xa isicelo iphungulwe. Kulo mzekelo, i-FTS Ungabala imbuyekezo kwi ngokwesiseko mali zidluliselwe ebuncwaneni njengenxalenye irhafu yengeniso iminyaka edlulileyo. Kusebenza umthetho ofanayo ukuba udla umhlala uye wasebenza - kungenziwa offset kokuba kutsalwe irhafu yengeniso kwiminyaka emithathu edlulileyo.

Isixa abo na ukuhlawula irhafu yengeniso

Kukho phakathi elinye kunye nezinye nodidi labantu ingeniso, kodwa musa ukuhlawula irhafu kuyo, yaye ngenxa yoko awukwazi ukufumana ixhuzulwe irhafu. Umzekelo, babe oosomashishini ngamnye, abanini zoshishino, azalathelwa kwisikhundla nasiphi na i-ofisi, abafundi abafumana inkxaso-mali yokufunda. Ukongeza, ukutsalwa akanalungelo kwabo abemi abafumana umvuzo "emvulophini." Noko ke, ngokubhekisele kwabo imithetho efanayo ukuba ikhankanywe ngasentla, - ukuba umsebenzi okanye enye ingeniso kwiminyaka emithathu phambi komhla lokufaka kunye IRS - kutsalwe correlative yerhafu yengeniso uhlawule iimali kwabalelwa. Imithetho efanayo, ngasendleleni, ezifanelekileyo abemi abo kuthiwe abangasebenziyo.