Iziphi izinzuzo sokuguga impesheni kanye udaba lwabo

Namuhla sizobe ukuthola ukuthi yini izinzuzo sokuguga impesheni. Ngingayithola kanjani ukuhlela kwabo eRussia? Umnyaka umhlalaphansi eRussia inikeza abantu yesimanje ubudala eziningi amalungelo. Ezinye zazo iqedwe e 2017, kodwa kuyacaca ukuthi amaningi isimo amabhonasi yayisalokhu. Yini ungalindela ngemuva kokuthatha umhlalaphansi yakho? Ziyini izinzuzo kusukela isimo ifakwa endabeni ethile? Konke lokhu izochazwa ngezansi!

izinhlobo izinzuzo

Iziphi izinzuzo sokuguga impesheni eRussia? Kuze kube manje, wonke ukwesekwa uhulumeni zingahlukaniswa izigaba eziningana. In ngamunye kubo kukhona izinzuzo zabo.

Izakhamuzi umhlalaphansi Unelungelo ukusebenzisa ukwesekwa umphakathi elandelayo:

• intela;
• izindlu;
• nomphakathi;
• yezokwelapha;
• ezokuthutha.

Njengoba impesheni, ngaphansi kwezimo ezithile, ungenza ngaphandle intela ezibanjwayo nobudala. Lokhu yinto lalivamile, okwenzeka ikakhulukazi phakathi kwabantu abasebenzayo.

lokungayikhokhi intela

Iziphi izinzuzo ubudala nabahola impesheni ubudala? Ezinye amabhonasi kusuka isimo zincike esifundeni yokuhlala isakhamuzi. Kodwa ngobuningi babo bahlale ezingeni sikahulumeni.

Ake uqale nge izinguqulo ezivamile imicimbi - intela nemihlomulo. Ngesikhathi samanje nosuku abadala ongacela:

• i athelelwe;
• ukunciphisa intela ngoba impahla, uma impahla okungewakho amayunithi eziningana yohlobo olufanayo (zokuhlala eziningana, izindlu, Villas, njalo njalo);
• phezu yokukhululeka intela imoto;
• ukunciphisa base intela ngo-10 000 kulesi sibalo intela yomhlaba.

Kwezinye izifunda Russian Federation inikeza sokukhululwa ngokugcwele kusukela wentela yomhlaba impesheni. Ngokwesibonelo, isilinganiso esinjalo sethulwa Petersburg Perm. Futhi namaxhegu esifundeni eMoscow kukhona sokuthola ngokugcwele ekukhokheni intela imoto izimoto ezithwala futhi umthamo elincane ukukhiqizwa yasekhaya.

ezibanjwayo

Phakathi izinzuzo olunikezwa sokuguga impesheni, kungenzeka ukwaba izimali ezibanjwayo intela. Ngokwesibonelo, impahla. Bangaphinde uhlele noma iyiphi impesheni okwamanje sisebenza ngokuvumelana nezimiso owamukelwa.

abantu abangasebenzi amadala banelungelo lokuthola imali yentela yempahla kanye nohlobo yezenhlalakahle iminyaka engu-3 kusukela ngosuku ukuxoshwa kwabo.

Ukudoswa angatholakala ngoba:

• ukuthengwa kwempahla (ingcebo);
• mortgage (kufaka inzalo bengatshelekwa);
• ukwelashwa (Premium);
• ukufunda (self noma izingane).

Ukuze ufunde indlela ukuhlela idatha ezibanjwayo Kamuva sizoxoxa ngokuthi. Kodwa kule post-umsebenzi nezinzuzo abagcini lapho. Kukhona futhi amabhonasi, azinake.

iholide

Yini izinzuzo sokuguga impesheni Abasensimini Primorsky kanye nezinye izifunda of Russia uqinisekisa isimo? Ziningi. Ibhonasi elilandelayo usebenza kuphela impesheni ukusebenza.

Into wukuthi ngesicelo owayesethathe umhlala-phansi umqashi kufanele ahlinzeke ikhefu umsebenzi ngaphandle kwenkokhelo ngesikhathi esilungele umfakisicelo. Ithemu uphumula kakhudlwana luyehluka kuye ngokuthi isigaba bahlomule.

okungukuthi:

• 35 izinsuku - abahlanganyeli ngokuthi yiMpi Enkulu Yobuzwe;
• izinsuku ezingu-60 - abakhubazekile;
• izinsuku ezingu-14 - impesheni abavamile.

Clearance kuyehla kube isicelo selivu umqashi. Akukho nzima noma ekhethekile ngakho.

izinzuzo izindlu

Kuzuze ubudala nabahola impesheni ubudala anikezwa ezahlukene. Singasho ukuthi cishe kuzo zonke indawo la noma ezinye amabhonasi ayatholakala ekuphileni kwansuku zonke.

A indima enkulu asebekhulile izinzuzo izindlu play. Izisebenzi Abahluphekayo futhi, osethathe umhlalaphansi, lempi zifaneleke:

• lokukhokha ngokugcwele noma kancane Umbuso izikweletu;
• yokukhululeka izimali ukuze kulungiswe ezinkulu ekhaya;
• unscheduled uxhumano ifoni ekhaya;
• ukusiza ekhaya gasification;
• khulula izindlu emgqeni ukuze (uma ufaka isicelo kuze kube 2014).

Clearance kuyehla kube kokuthumela imibhalo ukuze inkampani ukuphathwa. Ngemva kwalokhu, impesheni uzokwazi ukusizakala wonke amalungelo izindlu.

Imibhalo udinga lokhu okulandelayo:

• isitifiketi nempesheni;
• arekhoda khona ubunikazi izindlu;
• isitifiketi esikhombisa yokuhlala impesheni ku insimu inikezwe.

Lokhu ngokuvamile ngokwanele. izakhamuzi futhi kufanele agcizelele isikhundla salo okhethekileko ukuqashelwa sezitifiketi emnyangweni wezempi abaswele, okhubazekile noma umhlalaphansi. Njengomthetho, lena akuyona inkinga.

imithi

Iziphi izinzuzo sokuguga impesheni eMoscow? Izakhamuzi umhlalaphansi eRussia bangathembela amabhonasi ethile yezokwelapha. Kwenqwaba wabo setha ezingeni lesifunda.

Noma kunjalo, zonke impesheni bangalindela ukuba:

• isevisi mahhala emitholampilo yomphakathi kanye nezibhedlela;
• isevisi nezikhungo zezokwelapha aphume ithuba;
• khulula ngihlolwa njalo eminyakeni 3;
• umkhuhlane esingu mahhala (emva kweminyaka 60);
• amathikithi Mahhala ukuze sanatoriums ukuze bayothola ukwelashwa (i Veterans okhubazekile).

Njengomthetho, akukho izinzuzo idatha ukucutshungulwa ayidingekile. Enough uma sisebenzisa enhlanganweni yezokwelapha ukwethula umazisi kanye nesitifiketi impesheni.

zabasebenzi Veterans

Iziphi izinzuzo sokuguga impesheni esifundeni Moscow? Kuwufanele benaka nezigaba ezithile zabantu - Veterans zomsebenzi. Ngakho izakhamuzi esezikhulile bangathembela:

• travel khulula on izithuthi zomphakathi;
• isinxephezelo ukusetshenziswa kwefoni ikhaya;
• 50% yokukhokha ku ukukhokhelwa Umbuso;
• khulula lokufakelwa kwezitho kwamazinyo.

Esimweni sokuqala kwanele ukwethula isitifiketi impesheni, okwesibili - ukubhala isicelo eqenjini ezifanele (ngendlela efanayo njengoba kuchaziwe ngenhla), wesithathu - ukunikeza imibhalo yezokwelapha kwenhlangano, ekhombisa isimo sobudala WezabaSebenzi, kanye yobudala yokuthatha umhlalaphansi.

Yokukhululeka kwentela yengeniso

Kuzuze ubudala nabahola impesheni ubudala eMoscow linikeza cishe iyafana kwezinye izifunda. Zonke izakhamuzi umhlalaphansi kungase emthwalweni nokukhokhwa kwentela yengeniso. Ayikho ukubhaliswa lokhu ibhonasi ayidingekile.

Ngokomthetho eRussia yi kwentela yengeniso kungenziwa wakhulula imali elandelayo ageleza umhlalaphansi:

• impesheni;
• usizo lwezimali afinyelela ku-4 000 ngonyaka;
• okubhekiswe usizo;
• izinzuzo;
• osizweni lukahulumeni.

impesheni Ukusebenza, kanye nazo zonke ezinye izisebenzi kungenzeka ukuqeda ekukhokhweni kwentela yengeniso emholweni wakhe.

wokuNakekelwa kweZingane

Ibhonasi elilandelayo - lokhu akulona ilungelo ithuba. It inikezwa bonke abahola impesheni ukusebenza. Sikhuluma ukuklanywa iholide zezingane. Ngokusho imithetho Russian, kungaba ukumangalela noma iyiphi eziseduze (noyise wengane, ogogo nomkhulu). Uma nganoma isiphi isizathu umama osanda kuzalwa ayikwazi uyinakekele, lo mthwalo livele ohlukile.

Ukuze ukubhaliswa ikhefu lobuzali kuyodingeka:

• isitifiketi / isitifiketi kokuzalwa kwengane yakho;
• imibhalo ebonisa ubuhlobo nengane;
• ubufakazi bokuthi ingane umama ngeke uthathe ikhefu lokuyobeletha;
• ungubani ilayisensi komfakisicelo;
• isicelo selivu.

Yonke imibhalo ehlobene umqashi, ngemva kwalokho owayesethathe umhlala-phansi kumele unike ikhefu anakekele ingane nazo zonke izinkokhelo ezifanele. In practice, lokhu kungenzeka yaqaphela hhayi kaningi kakhulu.

amathuba lesifunda

Njengoba sekushiwo, zonke izinzuzo zingahlukaniswa zibe yombuso kanye zesifunda. Eyesibili ushintsho, kuye ncamashi lapho isakhamuzi uhlala. Ngokwesibonelo, izakhamuzi eMoscow bangathembela:

• ukukhuphuka yosizo nyanga zonke ukuze impesheni yabo;
• khulula ukwelashwa spa (ngezizathu zezokwelapha);
• travel khulula esitimeleni / ujantshi (suburban);
• 50% isaphulelo on ucingo kanye Umbuso izikweletu.

Ngaphambili, abantu abadala bangathembela travel khulula on izithuthi zomphakathi. Kodwa muva nje, le inzuzo sahoxiswa. Liye lalondolozwa kuphela kwezinye izindawo eRussia.

kakhulu ukuguga

Ezinye izakhamizi amandla akhethekile sifikile kweminyaka ethize. I-Russian umhlalaphasi ngemva kweminyaka engu-80 yobudala banelungelo lokuthola izinzuzo ezikhethekile. Miphi?

Phakathi kwabo kukhona:

• ukwandisa yempesheni ngo izikhathi 2;
• isevisi mahhala ezikhungweni zempilo, ezihlanganisa ezintandane makhaya;
• izindlu (uma kunesidingo);
• usizo okubhekiswe (okwesikhashana noma unomphela), imakwe ukukhululwa kwemikhiqizo, zomthetho nesizo lezokwelapha.

Kusobala ukuthi noma isiphi izinzuzo post-ukusebenzela yobudala engu-80 khona. Ngaphezu kwalezi amabhonasi, umuntu osekhulile ongafaka isicelo Ukuzinakekela. Wokunakekela asebekhulile kungaba ubani - le nkathi kuzobalwa ku ubude. Kuyinto leli thuba usuku kuleli zwe isetshenziswa kakhulu ngenkuthalo.

Ukubhaliswa intela nendlela yokukhuthaza

Kuyacaca ukuthi izinzuzo sokuguga impesheni. Manje ungathola ukuthi zenziwe. Kwenqwaba kuxhaswa kuhulumeni kuyinto declarative ngokwemvelo - inqobo nje uma isicelo akusho wazise mayelana nezinhloso ilungelo ukuze zizuze, iziphathimandla ezifanele akazange ukuwusiza.

Ake uqale nge ukuklanywa intela nemihlomulo. Basuke enikeziwe in the FTS endaweni sokubhalisa we yisakhamuzi. Sizoba ukuletha:

• isicelo lokungayikhokhi intela;
• imibhalo ebonisa ubunikazi impahla ethile;
• isitifiketi nempesheni;
• TIN (uma ekhona);
• iphasiphothi;
• isitifiketi yokukhubazeka (uma ekhona);
• irisidi yokukhokha intela ngoba ngonyaka odlule.

Lokhu kuyoba okwanele. Ngemva kokutadisha impesheni lwezincwadi ezikhishwa ukhululeka ukukhokhwa kwentela. Ukuze zinguquko zisebenze kusukela emnyakeni ukugcwalisa isicelo, kufanele ulethe imibhalo ukuze sibuyekezwe ngaphambi 1 Novemba.

Senza ezibanjwayo

Ngakusasa iphuzu elibalulekile - lokhu kubhaliswa intela ezibanjwayo. Inqubo senzeka FTS. Ukuze kokubanjwa kwanoma owayesethathe umhlala-phansi, amadokhumenti alandelayo:

• isicelo ebanjwayo;
• iphasiphothi;
• nesitatimende nomholo (2-PIT, isitatimende sasebhange);
• imininingwane ye-akhawunti lapho ukuze uthumele imali;
• isitifiketi nempesheni;
• umlando umsebenzi;
• TIN (uma ekhona);
• wezokwelapha / ilayisensi ukusungulwa zemfundo;
• ukugunyazwa kwabo kwamaqophelo umsebenzi (phakathi nokuqeqeshwa);
• Inkontileka (amasevisi, mortgage, ukuthengwa nokudayiswa impahla);
• irisidi ekhombisa payment for services / izinqubo;
• ukubuyiselwa kwentela;
• Imibhalo zetayitela impahla.

Lokhu ngokuvamile ngokwanele. I imali yentela sivunyiwe izinyanga 4-6. Lo msebenzi kudinga okulindele eside.

izindlu

Yiziphi izinzuzo sokuguga impesheni eMoscow nakwamanye izifunda isithembiso eRussia? Ungathola indlu, uma akusiyo. Kulokhu, udinga ukuxhumana kwabaphathi bedolobha.

Nge impesheni kumele uze:

• iphasiphothi;
• isitifiketi kokubonwa umndeni isidingo;
• isicelo esibhaliwe ngoba ukunikezelwa kwezindlu;
• imibhalo ebonisa ubunikazi ukuthi noma ezinye yokuhlala;
• isitifiketi nempesheni;
• isitifiketi ukurholophala kanye namanye ubufakazi bokuba ekhethekile isakhamuzi.

Kusukela manje, kusobala ukuthi izinzuzo sokuguga impesheni eRussia. Zonke yesibonelelo sikahulumeni inikezwa ngaphandle kwezinkinga. Into esemqoka - ukulungiselela kusengaphambili yonke imininingwane ebalulekile (futhi amakhophi awo).