Indlela yokubuyela kweepesenti ezingama-13 ukuthenga indlu? Ukuncitshiswa kwentlawulo xa kuthengwa indlu

Ngoku sizakuzama ukufumana indlela yokubuyisela iipesenti ezingama-13 zokuthengwa kwezindlu. Eli thuba litsala abaninzi abanini bezindlu. Emva koko, i-13% yemali esetyenzisiweyo yintlawulo efanelekileyo kakhulu. Kuye kwenzeka ukuba e-Russia awukwazi nje ukunika urhulumente, kodwa ufumana into ngokubuyisela. Kukho iindlela zokubambisana ngokuqhelekileyo kunye nemali yokuthenga. Kodwa nangona kunjalo, udinga amaxwebhu avela kuwe. Indlela yokubuyela kweepesenti ezingama-13 ukuthenga indlu? Yintoni efunekayo kule nto? Kutheni uzilungiselele?

Hhayi wonke umntu

Kufuneka kuqatshelwe ngokukhawuleza - oku akunakwenzeka kubo bonke abemi. Zininzi, kodwa kungekhona bonke abantu. Ukuchithwa kwendawo yokuhlala (babizwa ngokuba yipropati) kunokufunyanwa ngabo bonke abakhokhi berhafu abanemali engenayo. Oko kukuthi, umntu ohlawula irhafu yengeniso. Ngaphantsi kwesi sifundo, kuyisiko ukuqonda, njengommiselo, ummi oqeshwe ngokusemthethweni.

Kodwa abo abangenayo nayiphi na ingeniso yemali engenayo, abanalo ilungelo lokufumana intsalela. Ngaphezu koko, ukuthengwa okukhulu ngokwefom yezindlu zangaphandle kuya kutsala ugxininiso lwabasebenzi berhafu. Yaye oku akusoloko kulungile.

Abapensheni banelungelo lokubuyisela iipesenti ezingama-13 kwihostela. Kuphela kubo uluhlu lwezinto zonke eziyimfuneko ekusebenzeni. Kodwa oku akuyona ingxaki.

Imigaqo yokuhambisa

Ngaliphi ixesha lexesha ucebise ukujongana nale ngxaki? Ngokomthetho wanamhlanje, unokucela ukuncitshiswa kwindlu engaphantsi kweminyaka emithathu ukususela kumhla wokuthengiselana, kodwa kungekudala. Kukho imithetho enjalo kuphela eyenziwe yimithetho yerhafu eRashiya.

Kodwa ekusebenzeni yonke into iyahluke. Ngaba kunokwenzeka ukubuyisela i-13 ekhulwini kwi-real estate transaction? Kulula! Yenza nje umsebenzi ngokukhawuleza. Iingcali kunye nabemi bakhuthaza ukudibana nokuphela kwexesha lokubika irhafu. Emva kwakho konke, kuthatha ixesha lokuphonononga imeko yakho, kunye nokuthumela imali.

Zingaphi iinqununu eziza kuthatyathwa ukuze zanelise isicelo okanye ufune? Iinyanga ezili-1,5-2. Kwaye, ngaphezu koko, kuthatha malunga neentsuku ezingama-60 ukutshintshwa kokuncitshiswa. Isiphumo - kuyo yonke into, ukuba awuqwalasela ukulungiselela amaxwebhu, kuthatha malunga neenyanga ezi-4. Ngoko, ukuba ucinga ukuba ungabuyisela njani irhafu yengeniso yakho ekuthengweni kwezindlu, kufuneka uqale ukusombulula lo msebenzi ngokukhawuleza.

Uchonga

Ewe, umqulu wokuqala kunye nobaluleke kakhulu, owusizo kwishishini lethu, likhadi lesazisi. Ngokubanzi, nayiphi na indlela, kodwa amagunya eerhafu aqinisekisa ukuba kufuneka ungenise ipasipoti yakho ngokungenakwenzeka. Ngokuchanekileyo, ikopi yayo rhoqo. Wonke amaphepha kufuneka afakwe ngekhophi kunye nokuqhotyoshelweyo uluhlu oluphambili lwamaphepha. Ngaphandle kwekhadi lesazisi, awukwazi ukuphendula indlela yokubuyisela ama-13 ekhulwini ekuthengeni indlu. Uza kulahlwa nje kule ngxaki. Ipasipoti yommi, mhlawumbi-yinto efunekayo kuyo nayiphi na intsebenzo kunye nokuthengiselana kweRashiya.

Ngokwe-statement

Nika ingqalelo enye into enomdla kakhulu - ingxelo. Kumele ukuba iqulunqwe kwaye ihambiswe kumagunya erhafu. Ungatsho ngefomu yamahhala. Ngokwemithetho yanamhlanje, ungabuyisa i-VAT ekuthengweni kwezindlu (i-deduction ye-13%) kuphela xa unesicelo somthengi.

Kufuneka ukuba ubonise ulwazi malunga nomnini wangaphambili wezindlu, kunye nedatha yakho, ulwazi malunga neendleko kunye neendleko zalo. Ungalibali ukufakela iinkcukacha ze-akhawunti apho kufanelekile ukubuyisela imali. Ukuba awukwenzi oku, kuya kufuneka uxelele amaphepha alahlekileyo, okanye, njengoko kwenzeka rhoqo, uya kunqatshelwa ukuncitshiswa - kufuneka ufake isicelo kunye namaxwebhu kwerhafu ukususela ekuqaleni.

Ukubika

Yintoni elandelayo? Indlela yokubuyela kweepesenti ezingama-13 ukuthenga indlu? Umyalelo onyanzelekileyo kumagunya erhafu yerhafu ebizwa ngokuba yerhafu. Kubizwa ngokuba ngu-3-NDFL. Kufuneka ube neyodwa yokuqala, akukho ikopi.

Iyini le ngxelo? Ulwazi malunga nomvuzo wakho. Ukuba uzisebenzela wena, kuya kufuneka wenze isaziso ngokwakho. Ngaphandle koko, ungaqhagamshelana nomqeshi uncedo. Kodwa ekusebenzeni nje-3-NDFL igcwele ngumhlawuli werhafu ngamnye ngokuzimela. Enyanisweni, akunzima kunokuba kubonakale kukuqala.

Ingeniso

Kungakhathaliseki uhlobo lokuthenga ekhaya olwenziwe (ukuthenga ngemali okanye ukuthenga okulula kunye nokuthengiswa), kufuneka uchaze ngandlela-thile ingeniso yakho. Nantsi kuyimfuneko ukubonisa ifomu yesatifikethi 2-NDFL. Njengoko kwimeko yangaphambili, kuphela iphepha elifunekayo.

Ukuba uzisebenzela wena, uya kufuneka uzalise le ngcaciso. Ngaba kukho umqeshi osemthethweni? Emva koko qha ga mshelana neSebe eliphendulayo, apho uya kunikwa 2-NDFL. Ngolu xwebhu, akukho ziingxaki, ngokusemgangathweni. Ingaba oko kuveliswa uncedo kunamanye amaxesha kuthatha ixesha.

Malunga nokuthengiselana

Uluhlu olupheleleyo lwazo zonke eziyimfuneko ukubuyisela imali esetshenzisiweyo sele ziphelile. Enyanisweni, umntu akafanele akhohlwe malunga neyona nto ibaluleke kakhulu - ulwazi malunga nokugqitywa kwemvumelwano. Ngaphandle kwamanye amaxwebhu awunakufumana ukuncitshiswa kokuthengwa kwezindlu.

Ngoko yintoni enokufumaneka ngokufanelekileyo? Okokuqala, esi sivumelwano sokuthengisa. Kucetyiswa ukuba usayine ikopi eyongezelelweyo yokutsalwa. Ngaphandle koko, ikopi eqinisekisiwe.

Emva koko uza kufuna isatifikethi sobubuni bendlu. Ngaphandle kwayo, akunakuqonda ukufaka isicelo sokuncitshiswa. Ngenxa yoko, kuya kufuneka ulinde ixesha elithile uze ufumane olu xwebhu. Ikopi evamile yesiqinisekiso, engaqinisekanga, iya kwenza. Nangona, njengokuba kukho umzekelo, abemi bahlala bexhaswa kwaye baqinisekisa.

Iimbuyekezo zokufumana intlawulo, iirisithi ekufumaneni imali ngempahla yangaphambili - konke oku kuya kufuneka kuqhotyoshelwe kwisibhengezo kunye nesicelo. Ungenza iikopi. Into ephambili - qiniseka ukuba onke amaxwebhu aqalayo akho. Ukuba uthengele umntu umntu, ukubonisa ukuba ilungelo lakho lokuncitshiswa akunakwenzeka kwiRashiya. Yonke inkcazelo kufuneka ibonise ukuba ungumthengi.

Mortgage

Ngoku kaninzi kukho ukuthenga imali. Indlela yokubuyisela iipesenti ezili-13 kulo mzekelo ukuthenga? Akubunzima ukwenza oku. Emva koko, kufuneka kuphela ukufaka uluhlu olungentla apha ngamanye amaxwebhu. Kukho ezimbini kuphela.

Iyokuqala yikontrakthi yokubolekwa kwemali. Njengoko kwimeko yokuthenga nokuthengisa, kwanele okanye okokuqala, okanye ikopi eqinisekisiwe. Ngaphandle kwalolu xwebhu, ukubuyiselwa kwemali yokutsalwa akuyi kwenziwa.

Okwesibini iirisithi yokuhlawulwa komdla kwi-mortgage. Ngeembuyekezo emva kokubuya, i-13% iya kunqatshelwa de kube kukhula. Cinga ngolu hlobo. Akukho bani uyanciphisa abanetyala. Ngokomgaqo, konke oko. Awekho amaxwebhu aya kufunwa kuwe.

Okunye

Nangona kukho ngaphandle. Indlela yokubuyela kweepesenti ezingama-13 ukuthenga indlu? Kwezinye iimeko, unokucela amaxwebhu alandelayo, kodwa akuvumelekanga (kuyacetyiswa ukuba uzilungiselele kwaye ubonise kwangaphambili):

• INN;
• Isiqinisekiso somtshato / umtshato;
• Izatifikethi zokuzalwa zabantwana;
• Isitifiketi sePensheni ;
• SNILS;
• Ithikiti yezempi.

Ngamaxwebhu angentla apha, unokufaka isicelo kubaphathi beerhafu kwindawo ohlala kuyo. Unokufaka isicelo sokuncitshiswa. Ukuba ukulungiswa kakuhle, akuyi kuba neengxaki kwaye akukho ziphulo.