Yintoni irhafu yokuthengisa imoto?

ERashiya, abantu baqhele yokuba rhoqo ukuhlawula irhafu, njengoko umthetho, imibutho eyahlukeneyo, kodwa umntu avareji ebomini wakho ukuba ahlawule isixa esikhulu imisebenzi kunye neerhafu, ngaphandle kwentlawulo ukuze yokuhlala, kunye nenkonzo yefowuni. Noko ke, kwiminyaka yakutshanje le meko itshintshe kakhulu, ngenxa yokuba ngoku abanini zokuhlala kunye nezindlu kwilizwe ahlawule irhafu ngonyaka kwi impahla yakhe. Kodwa asinguye wonke umntu kuthi uyazi kakuhle oko khokhela. Kuba omnye iingxaki irhafu engqongileyo irhafu intengiso imoto.

Irhafu yengeniso xa uyithengisa imoto.

Kweli hlabathi ayikho umnini imoto, ongazange ebomini bakhe akazange azame ukuthengisa imoto yakho. Ngoko ke ukuba ngamnye kubo uyazi wazibonela malunga ekuthiwa-irhafu yengeniso. Kodwa akukho elowo kuthi ucinga, ukumisela indlela yokuhlawula irhafu phantsi intengiselwano enjalo. Kweli nqaku ndiza kuzama ukuba abhengeze ngokupheleleyo ngakumbi ingqikelelo irhafu yokuthengisa le imoto, ngokunjalo ukuba uphendule umbuzo wokuba ingaba intengiso erhafisekayo imoto. Apha andiyi kuthetha "ngokuthengisa imoto nge proxy", yaye ingqalelo epheleleyo ngokupheleleyo isixa serhafu, yaye lithetha ntoni.

Ukususela ekuqaleni kuka-2001 urhafiso yabanini imoto yengeniso lulawulwa Inqaku-23 loMthetho weRhafu Code of the Russian Federation. Kuyinto eli nqaku ubonelela ukuba irhafu kuxhomekeke yonke ingeniso evela nawuphi na umthombo kwi Russian Federation okanye kwimithombo phesheya, lo Russian Federation - komhlathi ibhekisela kubantu bonke abahlali yerhafu i-Russian Federation.

Sothi nokuthengiswa nayiphi na impahla yakhe, kuquka imoto, ufumana ingeniso ethile, leyo irhafu. Ukuze ukukhangela kakuhle irhafu yentengiso isithuthi, kufuneka ngokuzimeleyo mazibale imali yerhafu ukuba uza kuhlawulwa intengiso yesithuthi. Kwakhona, kufuneka ahlawule imali ye ukutsalwa kwerhafu ze uqiniseke ukuba angenise isicelo esikhethekileyo igunya werhafu.

Ukubala ukuthatha ingqalelo iingongoma ukuba imbuyekezo yerhafu, ezibandakanya bonke ingeniso efunyenwe impahla yakho kulo nyaka umiyo. Kubalulekile ukuphawula ukuba intengiso imoto wena akunguye na ukubalwa kwerhafu ziya icaciswe ngexesha elithile, ngoko uza kusebenza isohlwayo, ibalwa ngereyithi eyi-5% berhafu. Ngoko kuyimfuneko ukuba ugcwalise isicelo aze azalisekise zonke iimeko kuyimfuneko, njengoko isixa irhafu, ebalwa ukusuka Izohlwayo inokuba elikhulu kakhulu.

Kwakhona, ukuba ngaba unayo imoto ungowabantu kweminyaka ngaphantsi kwe-3, ke ngoko Uvumelekile ukuba kutsalwe ipropati, nto leyo ebalwa kwisixa semali ekuthengwe ngayo le moto. Noko ke, le deduction ayikwazi ukuba ngaphezulu kwe 125.000 engange. Ngoko ke ukuba uza kuthengisa imoto aze abale irhafu yentengiso imoto, zama ukuthatha ingqalelo zonke ukuthengisa. Lowo beninawo kulo nyaka. Ngoko ke imali yerhafu iya kuba kakhulu ngaphantsi, ukuba kuya kongela imali.

Kwakhona, endaweni yokuba ilungelo lokufumana olu hlobo wokutsalwa kwerhafu, unga nciphisa kakhulu isixa serhafu imoto ngenxa iindleko ezenziweyo yaye ngaloo ndlela ibhalwe ezihambisana ukufikelela kule hlobo yengeniso. Kuphela awukwazi ukhethe ngaphezu kwesinye uhlobo emanxebani irhafu, iphungulwe ipropati ngeendleko ibhalwe kulo nyaka umiyo. Zama ukukhetha enye into ngokubona kwakho kuya kuba nenzuzo kakhulu. Kubalulekile ukukhumbula ukuba irhafu yentengiso isithuthi libalwa ngokusekelwe yonke impahla yakho.