Ukukhishwa kwentela ngokuthengwa kwezindlu ngabanikazi bempesheni

Endabeni yokuthenga ikhaya, izakhamizi zaseRussian Federation zingabuyisa ingxenye yenani elikhokhelwe ngendlela yokubuyiselwa kwemali yengeniso yomuntu siqu. Kodwa-ke, leli thuba akuwona wonke umuntu, kodwa kuphela kulabo abakhokha intela (13%) yentela. Ngakho-ke, abantu abahlala ezinzuzweni, izimpesheni kanye nezinye izinkokhelo ezingekho intela zivela kulolu hlobo. Kodwa-ke, ngokuqalisa ukusebenza komthetho No. 330-FZ ka 21.11.11, kanye nabahlala emakhaya (kusukela ngo-2012) bazokwazi ukuthola enye yentela yabo engenayo.

Izici zokunikeza ukudluliselwa kwabanikazi bempesheni

Okokuqala, ake sihlathulule ukuthi yimuphi ukwehliswa kwentela. Lona inani lezindleko zezindlu, intela yakho engenayo ongayithola lapho uthenga ingcebo. Uthembela kulabo abathengi hhayi indlu kuphela, kodwa futhi negumbi elihlukile, isigaba, i-dacha, indlu. Noma kunjalo, isimo esibalulekile kuyamukelwa ngumthengi ngonyaka ngaphambi kokuthenga intela engenayo ngezinga lika-13%.

Uma bekungenakho, kodwa basesikhathini samanje (noma bekufanele babe esikhathini esizayo) unyaka, isimemezelo singathunyelwa kamuva - kungakapheli iminyaka emithathu kusukela ekuthengweni. Kodwa-ke, bangaba kanjani abahola impesheni? Ngokomthetho otholiwe, abahola impesheni abathengile indlu banelungelo lokuhlehlisa isikhathi sokukhokhwa kwentela yomuntu engenayo imali eyamukelekile ekubhekiseni ama-accounting, kodwa kungabi ngaphezu kwezikhathi ezintathu. Ngamanye amazwi, bazokwazi ukuthola ukukhishwa kwentela uma bethengisa ikhaya, kodwa kuphela uma bathole leyo ndawo kungakapheli iminyaka emithathu ngemuva kokuthatha umhlalaphansi. Lo mthetho awusebenzi emacaleni lapho abahola impesheni banomholo okhokhwayo ngamanani ekhulwini leshumi nesithathu (isibonelo, uma beqhubeka nokusebenza).

Ilungelo lokubuyiselwa intela yengeniso yomuntu kuphela lingasetshenziswa kanye kuphela, ngakho-ke kubaluleke kakhulu ukuhambela ukuhanjiswa kwesimemezelo ngokuthengwa kwefulethini. Phela, ukubaluleka kwenzuzo yentela kuzoxhomeka ngokuqondile ngenani lendawo . Noma kunjalo, ukubuyiselwa kwentela akulona umkhawulo: ukukhishwa kwentela kokuthengwa kwezindlu kunganciphisa ama-ruble ayizigidi ezimbili, noma inhlanganisela yezindleko zokuthola le ndawo. Inzalo kumalimboleko okubhekiswe kuyo ihlukaniswa ngendlela ehlukile.

Ngakho-ke, intela enkulu yokuthola imali, engabuyiselwa lapho kuthenga ingcebo, yi-ruble angu-260 000 (13% wezigidi ezimbili), noma 13% wezindleko zangempela. Lokhu kusho ukuthi uma uthenga indlu ebiza ama-ruble angu-1 200,000, ukubuyiselwa kwemali kuzoba ngu-156,000. Kodwa uma intengo yefulethini yayinezigidi ezingu-4, ukubuyiselwa kuzoba ngu-260,000 kuphela.

Uma intela yakho engenayo eyakhokhwa ngabanikazi bempesheni kule minyaka emithathu eyandulele ayanele ngokwanele ukumboza inani lembuyiselo, ibhalansi engasetshenziswanga "izoshiswa" nje.

Isibonelo sokunikeza ukwehliselwa kwabanikazi bempesheni

Ake sicabangele ukuthi kuzonikezwa kanjani imali, ngokusebenzisa isibonelo esilandelayo: UDM Mamonov washiya umhlalaphansi ngoJanuwari 1, 2011. Ngo-2005 wathenga igumbi ekamelweni elilodwa lamakamelo ahlanganisa ama-ruble angu-510,000. Ngo-Okthoba 2012 igumbi lalalithengiswa, futhi esikhundleni salo indawo yokuhlala ye-studio yama-ruble angu-2 500 000 athengwe. Ngo-2009, inani elikhokhwa nguMamonov Personal Income Tax laliyi-ruble 39,070. Ngo-2010 - ama-ruble angu-40 030. Ngo-2011 uMamonov akazange asebenze futhi intela engenayo ayizange ikhokhe.

Ukukhishwa kwentela ephezulu yokuthengwa kwezindlu kulokhu kuwukuthi:

• Ama-ruble ayizinkulungwane ezingu-510 - izindleko ezithengwa ukuthenga indlu;
• Ama-ruble angu-2 000 - umkhawulo ohleliwe.

Esikhathini sokuqala, inani lesinxephezelo lizolingana namaRuble angu-66 300 kuphela (ama-510 000 * 13%). Iminyaka emithathu ngaphambi kokuthenga indlu, umhlalaphansi ukhokhe intela kwisabelomali sika 39,070 (2009) no-40.030 (2010), okusho ukuthi ama-ruble angama-66 300 azobuyiselwa imali yokubuyisela imali. Ababalwa abangu-12 800 abayizinkulungwane ngeke babuyiselwe! Qaphela ukuthi inkokhelo efanayo yentengo yokuthengwa kwezindlu ngenani lemali eyi-510 eyiRuble Mamonov ayengayithola ngo-2006, lapho uthenga indawo. Kulolu cala, umhlalaphansi ngeke esakwazi ukuthembela ekutholeni intela yomuntu engenayo ekuthengweni kwesakhiwo sesibili.

Esimweni sesibili, ukubalwa kwentela ekhokhwayo yokuthola imali kuzobukeka kanje: njengoba izindleko zefulethini (2,500,000) zingaphezu komkhawulo obekiwe, inani lembuyiselo lizoba ngu-260,000 (2,000,000 * 13%). Kodwa-ke, inani lentela yomuntu engenayo ekhokhwa iminyaka emithathu yi-rubles angu-79,100 (39.07,000 + 40.03 ayizinkulungwane), futhi izoxhomeka ekubuyiselweni. Ibhalansi ye-180 900 (260,000 - 79.1,000) ngeke ibuyiselwe.

Uma indlu ithengwe nguMamonov ngo-2014, ilungelo lokukhishwa kwentela ngokuthenga umhlalaphansi lingalahleka ngokuphelele.

Ngakho-ke, kubantu abahola impesheni, isikhathi sentela sinqunyelwe, lapho singayithola khona intela yentela, ngakho-ke imali ebuyiswayo. Uma kungenjalo, inqubo yokunikezwa ngokuncishiswa ifana nezinye izigaba zezakhamizi.