Le wokutsalwa kwerhafu ukuthenga umhlala ekhaya

Kwimeko lokuthengwa kwempahla abahlali Russian bakwazi ukubuyela yinxalenye imali ehlawulwa ngabo ngokohlobo imali yerhafu yengeniso. Noko ke, le ithuba ayifumaneki kuye wonke umntu, kodwa kuphela kwabo ukuhlawula ingeniso (13%) irhafu. Ngako oko, abantu abahlala iinzuzo, imihlala-phantsi, kunye nezinye iintlawulo non-irhafu kulo kuwa didi. Nangona kunjalo, kunye bangene ukusebenza komthetho No. 330-FZ, yomhla 21.11.11, kunye nabadla umhlala-phantsi (ukususela ngo-2012) iza kuba nako kwakhona inxalenye yerhafu yengeniso.

Iimpawu ze ukutsalwa umhlala

Kuqala kwinto zonke, ukuchaza into ixhuzulwe irhafu. Oku udibaniso yeendleko kwezindlu, irhafu yengeniso lwangasese zingabuyiswa xa uthenga ezithengiswayo. Ijonga abo nje uthenge indlu, kodwa eyahlukileyo icandelo igumbi, Cottage, ndlu. Noko ke, into efunekayo kukuba ukufumana umxumi kunyaka phambi kokuba kuthengwe, ingeniso sirhafiswa ngomlinganiselo-13%.

Ukuba akukho namnye, kodwa bona ekhoyo (okanye kucingelwa ukuba kwixesha elizayo) ngonyaka, angenise isibhengezo ingaba kamva - kwisithuba seminyaka emithathu lokuthenga. Noko ke, kule imeko, ukuba umhlala-phantsi? Ngokutsho komthetho eyamkelweyo, ngubani ndathenga yokuhlala umhlala banelungelo lokufumana intlawulo kwexesha wotshintsho, irhafu yengeniso ezifunyenwe kule akhawunti, kodwa akukho ixesha ngaphezu kwemithathu. Ngamanye amazwi, ukufumana ukuxhuzulwa irhafu ngokuthenga ikhaya babengenakungena, kodwa kuphela xa uthenge impahla ungadlulanga umhla ngaphezu kweminyaka emithathu emva umhlala-phantsi. Lo mthetho ayisebenzi kwezo meko xa umhlala sirhafiswa isantya yengeniso trinadtsatiprotsentnoy (umzekelo, xa beqhubeka ukusebenza).

Nandipha ilungelo imbuyiselo yerhafu yengeniso kanye kuphela, ngoko ngokungenisa isibhengezo yokuthenga indlu kufuneka wasondela ngenkathalo kakhulu. Ngapha koko, iindleko izindlu ziya kuxhomekeka ngqo kubungakanani onesiphumo inzuzo kwirhafu. Nangona kunjalo, lo hlawuleka irhafu akukho mda: kokuba kutsalwe irhafu xa uthenga ikhaya liya kuba nemida okanye engange kwezigidi ezibini, okanye ekufunyanweni zizo zonke iindleko real estate. umdla mboleko ekujongwe ukuba itsalelwa ngendlela eyahlukileyo.

Ngoko ke, ubuninzi irhafu yengeniso, leyo zingabuyiswa xa bethenga indawo, lingana ne ukuya 260 lamawaka. Engange (oku yi-13% ye-kwezigidi ezi-2.) Okanye-13% yeendleko eyiyo. Oku kuthetha ukuba xa uthenga impahla exabisa izigidi 1.2 engange, imbuyekezo iya kuba 156 000. Kodwa ukuba ixabiso indlu yaba 4 million., Imali iya kuba kuphela xa umthamo 260.000.

Ukuba umhlala kuhlawulelwa kwiminyaka emithathu edlulileyo lokuthenga yerhafu yengeniso ayisayi kwanela ukujongana isixa imbuyekezo, intsalela ingasetyenziswanga nje "samaxesha".

Umzekelo lotsalo umhlala

Cinga, njengoko iya kunikwa ebanjwayo mzekelo ulandelayo: Mamonov DM umhlala ukususela ngoJanuwari 1, 2011. Ngo-2005 yathi yathengwa kwigumbi endlini enamagumbi amabini ezixabisa 510 amawaka engange. Ngo-Oktobha 2012, wathengiswa igumbi, kodwa endaweni wathenga indawo studio for million 2.5 engange. Ngo-2009, isixa uhlawule irhafu yengeniso Mamonov waba 39.070 engange. Ngo-2010 - 40 030 engange. Ngo-2011 Mamonov akazange ukusebenza yaye abazange uhlawule irhafu yengeniso.

Le wokutsalwa kwerhafu liphezulu yokuthenga izindlu kule meko:

• 510 amawaka engange - ekungenwe kwi athenge iindleko yokuhlala .;
• 2000 engange - umda esisigxina.

Kwimeko yokuqala imali yembuyekezo ulingana engange kuphela 66 300 (510 amawaka. * 13%). Kwiminyaka emithathu ukuthenga indlu, umhlalaphantsi iye ihlawulwe mali yerhafu 39 070 (2009) kunye 40 030 (2010), ke ngoko, ukuba zibuyiswe iya ukuthembela 66.300 engange. Mfutshane ka 12 800 lamawaka. Ngaba ukubuyiselwa imali! Qaphela ukuba ixhuzulwe irhafu efanayo yokuthenga izindlu ngemali amawaka 510. Engange Mamonov wakwazi ukufumana kwakhona ngo-2006, kunye nokuthengwa egumbini. Kulo mzekelo, ukubala phezu imali yerhafu yengeniso ukuthengwa lwepropati yesibini ukuya umhlala abakwazanga.

Kwimeko yesibini, ukubala engabuyiswayo yerhafu yengeniso iyakuba: kuba iindleko zokuhlala (2,5 million) ngaphezu umda iseti, imali yembuyekezo iya kuthetha ukuba amawaka 260 (2 000 000 * 13%) .. Nangona kunjalo, imali ehlawulwe iminyaka emithathu yerhafu yengeniso ilingana 79 100 engange (39.07 amawaka. + 40.03 ths.), Ukuba uza uthembele ziqokelelwe. Yentsalela 180 ukuya 900 (260K - .. 79,1 amawaka) akayi ingahlawulwa.

Ukuba indlu yathengwa Mamonov ngo-2014, ilungelo kutsalwe irhafu ngokuthenga umhlala ikhaya ukuba sinyamalale onke.

Ngoko, kuba umhlalaphansi kuphela kwithuba irhafu apho ukuba ufune i irhafu yengeniso, yaye, ke ngoko, ixabiso elifumanekayo. Ke ezinye ngokomyalelo ukutsalwa into enye nezinye iindidi abemi.