Yini imibhalo edingekayo ukuze sokubuyiselwa imali yentela

Akuwona wonke umuntu uyazi ukuthi uma uthenga umnikazi efulethini unelungelo zokufuna ingxenye izindleko ezivelayo. Futhi ikakhulukazi awazi ngaphansi kwaziphi izimo imali emuva, kulokho isikhathi ifreyimu futhi yini imibhalo edingekayo ukuze sokubuyiselwa imali yentela. Umkhawulo intela Ikhredithi 13% yentengo, kodwa akumele seqe ama-ruble ayizigidi 260. It kuvela ukuthi izindleko esiphezulu efulethini, ungamukela isinxephezelo - ruble abangaphezu kwezigidi ezimbili.

Nokho, lesi simiso nemiphumela ethile engathandeki eziningana abalulekile. Okokuqala, sokubuyiselwa imali yentela kungenziwa kuphela etholwe kanye ekuphileni silingane efulethini. Ngamanye amazwi, uma aluthola odnushka $ 1.5 million bhalisiwe ngamasheya ilingane nomfazi, uma oshade naye ngamunye uzothola izinkulungwane 97 ne kancane.

Enye lokususa - isamba ikhokhwe ngesikhathi esisodwa, futhi ngokuvamile, usayizi okuyinto incike inani intela ikhokhwe esikhathini esidlule. Ngamanye amazwi, uma umnikazi we impahla ngo-2011 uye wakhokha ayizinkulungwane 30 intela, 2012, angabenza ayizinkulungwane 30 intela ebanjwayo.

I ethile yesithathu - imibhalo ukunikeza imali yentela singenziwa kuphela ngonyaka olandelayo unyaka ukusayina inkontileka. Kalula nje, uma inkontileka sisayindwe ukuze efulethini ngoDisemba 2012, khona-ke ukunxeshezelwa ungaya e March-April 2013 Uma ifulethi wathenga ngo May 2013, imibhalo yentela ebanjwayo kungenziwa kuphela ezithunyelwe March-April 2014 okungukuthi, cishe ngemva konyaka.

Eyesine negative - isinxephezelo kungenziwa wathola kanye kuphela empilweni, iqiniso, ngokuvumelana izinguquko zesimanje e-abazali ungathola imali benzele izingane zabo ezincane, uma yabelwe ukwabelana in the amafulethi.

Ngakolunye uhlangothi kungase kuqashelwe ukuthi lezo zinsalela ingatholakala hhayi kuphela lemali elikhokhelwa efulethini, kodwa futhi inzalo mortgage Yiqiniso, uma ngabe kubhekwa konke musa idlule 2 million.

Yini imibhalo edingekayo ukuze isakhiwo intela ebanjwayo for mortgage abolekise?

1. ukuthengwa nokudayiswa zokuhlala.

2. esayiniwe nesivumelwano sokubolekwa imali.

3. Isaziso umboleki owabanjwa mhlaka ukudluliswa kwamalungelo efulethini ku mortgage.

4. Ikhophi yesitifiketi sokuzalwa sengane (izingane).

5. Isitifiketi sokubhalisa isimo ingcebo we Ukubhaliswa Chamber.

6. Ama-oda Payment ebhange ukuba akhokhele indlu aluthola (kokuqala izinkokhelo yokugcina).

7. Luhlelo buyiselo kwenzalo ubufakazi bokukhokha zenzuzo the isikhathi intela.

8. Isitatimende Income 2-PIT.

9. Imininingwane akhawunti Savings Bank, okuzokwenza ukhokhiswe imali ebanjwayo.

10. amakhophi wonke amakhasi passport.

Uma indlu ithengwa emshadweni, kudingeka imibhalo elandelayo eyengeziwe yentela ebanjwayo: Ikhophi yesitifiketi somshado kanye nesitatimende ukuthola imali yentela (uma oshade naye akakwazi noma ngeke ukuthole) noma, kungenjalo, isicelo isinxephezelo share yayo. Ngaphezu kwalokho, isidingo ukuletha isimemezelo igcwaliswe PIT-3, elitholakala kokubili intela, bese uwulandela kusayithi. Lapho umnikazi kuziwa isicelo sokubuyiselwa imali yentela kakade endaweni ebhalwe esitatimendeni mayelana ukudluliselwa imali ku-akhawunti amisiwe abuye isicelo ebanjwayo. By the way, ngokwezinto izinguquko zakamuva umthetho, umninindlu ayesanda kuluthola Ungathola ukubuyiselwa kwemali ngesikhathi esifanayo akuyona isizumbulu, kodwa izitolimende encane esasiyithola elilingana 13% emholweni wakhe. Empeleni, kuba yisikhathi nje ngeke akhokhe intela engenayo.

Ungakhohlwa ukuthi kubanjwe Yenziwe izintela ikhokhwe. Uma umnikazi / umnikazi efulethini akayikhokhi intela, isibonelo, ukusebenza kule nkampani futhi ezothola imali "ezimvilophini" noma ivuliwe sokubeletha, ngeke babuyele kulo imali. Uma okusezingeni eliphezulu iholo "amhlophe" wathola kuphela omunye abashadayo, ukuthola imali ebanjwayo esiphezulu kunengqondo uhlele ngokugcwele yokuhlala kuye.