Yokudonsa intela ku ukudayiswa amafulethi kanye nezinye ingcebo

Lapho ukuthengisa indlu noma ifulethi, igumbi elilodwa ngisho abantu Villas kufanele kufake sandla kwesabelomali 13% imali oyitholile. Kusobala ukuthi othile singenakwenzeka ngeke sijabulise. Nokho, kakhulu ukunciphisa intela ezongenza sokubuyiselwa imali yentela ukudayisa indlu.

Okokuqala, kubalulekile ukucacisa ukuthi ebanjwayo - lena lemali ukuthi kungenziwa sisuswe base yentela (enanini lomuzi), kodwa hhayi ezikhokhelwa intela. Ngamanye amazwi, uma imali ebanjwayo ilingana 1 million. Ruble, bangayikhokhi intela kuyoba ama-ruble ayizigidi 130 kuphela. (Futhi wonke million, ngokuvamile kucatshangwa labo engayazi ezicashile izakhamuzi intela).

Ubukhulu impahla ebanjwayo

Ukuze anqume inani izinzuzo impahla, kumelwe uqhubeke kusukela ubude ukuhlala ingcebo okungewakho abakhokhi bentela. Uma efulethini yathengwa iminyaka engaphezu kwamashumi amathathu edlule, ukukhokha intela akudingekile.

Uma isikhathi ubunikazi sathatha isikhathi esingaphansi kweminyaka emithathu, ukunciphisa isizinda sentela kungaba enye yezindlela ezilandelayo:

- Inani ruble 1 million, futhi uma impahla u aluthola ngoba loan ehlosiwe, leli nani Ungengeza futhi zonke inzalo ekhokhiwe .. Sikugcizelele waphinda ukuthi imali yentela ukudayisa ifulethi usebenza kuphela izindleko impahla, okungukuthi, uma kwaba ngaphansi kuka-1 million., Kumila zikhokhe intela ubhekwa zero, futhi akukho kwemali yentela akudingekile kuleli cala.

- ngenani eliphelele yezindleko ukuthenga impahla kuthengiswa namuhla. Lezi zihlanganisa izindleko ngqo wokutholakala, inzalo phezu loan target, kanye ukulungisa izindleko kuleli cala, uma efulethini yathengwa ngaphansi inkontileka ngaphandle kokuqeda.

Kodwa indlela ukunquma inkathi ubunikazi? Ukuze wenze lokhu, kufanele uqale kusukela indlela kulungiselelwa yayo. Uma efulethini u aluthola ngaphansi ukuthengwa nokudayiswa sivumelwano, exchange, umnikelo noma uma indawo yokuhlala, kubalulekile ukugxila yokubhaliswa usuku inkontileka. Nokho, uma impahla itholakala indlu wokubambisana, ekuqaleni inkathi ubunikazi kuyothathwa usuku ulindele ukubuyiselwa yona iphelele unit yemali. Endabeni ka newbuildings ireferensi usuku usuku kokuthola isitifiketi sokubhalisa amalungelo impahla. Futhi ifa ingcebo kuqale ubunikazi kuyoba ngosuku ukufa testator sika.

Ebanjwayo for efulethini ubunikazi abelwe noma ngokuhlanganyela

Lapho ukuthengisa ingcebo, ise ubunikazi ngokuhlanganyela, intela ebanjwayo ku ukudayiswa amafulethi izokwabiwa kulingana phakathi abanikazi. Isibonelo, uma inani omunye wabo 1/6 ekhaya futhi enye -1/4, izinsalela etholakala ngokulandelana at 600 400 ayizinkulungwane. Ruble. Ezimweni lapho efulethini itholakala ubunikazi ngokuhlanganyela, ukubaluleka ekunciphiseni base yentela isibaluli abanikazi ilungiselelo siqu.

Personal engenayo intela ukudayiswa amafulethi eziningana

Kaningi kunezimo lapho omunye unyaka wentela ethengisa ezingaphezu kweyodwa efulethini noma, isibonelo, indlu kanye cottage. Kulokhu, udinga ukwazi ukuthi imali yentela ukudayisa ingcebo esigidini. Ruble ngonyaka ikhalenda olunikezile uma kuphela sonke isisekelo intela, kungakhathaliseki inani izakhiwo ithengiswe. Kodwa ukunciphisa isizinda for the intela ku ukudayiswa ingcebo e lemali engenayo kungaqinisekiswa maqondana ngamunye amafa.

Isibonelo: Ivasin P. R. e 2012 ithengiswe ezimbili zokuhlala of ama-ruble ayizigidi 980 futhi ama-ruble ayizigidi 2, wathenga ngo-2011 i-ayizinkulungwane 900, ngokulandelana, futhi ruble 1800 .... Kuye indlela yokuthola siqu kwentela engenayo imali ebanjwayo zaziyoba ibukeke lokhu:

1) 1 sesigidi sama-ruble inani eligcwele imali :. ((980 + 2000) - 1000) * 13% = ama-ruble ayizigidi 257,40 ..

2) Inani izindleko efulethini kuqala, a inani elimisiwe - wesibili (980-900) * 13% + (2000-1000) * 13% = ama-ruble ayizigidi 140,40 ..

3) Inani izindleko kokubili zokuhlala (980-900) * 13% + (2000-1800) * 13% = 36,40 ruble ..

Kulula ukubona ukuthi indlela ekhethiwe wokunciphisa inani zikhokhe intela kuncike value intela.

I-oda ukususa

I Tax Code inikeza ukuze imali yentela izikhathi eziningi ngangokunokwenzeka zihlinzekwe ukudayiswa amafulethi. Okusho ukuthi, uma uke ithengiswe impahla ngo-2012 futhi wathola ukuthi kubanjwe ukudayisa impahla ngo-2013, futhi uthole ithuba ukunciphisa izintela.

Wasebenzise kahle amathuba ezingxoxo ebanjwayo kungenziwa okusekelwe isicelo, ireferensi 2-PIT, inkontileka ukudayiswa, amakhophi isitifiketi sokubhaliswa amalungelo nokukhokhwa kwezintela wonke amadokhumenti etholakalayo. Ukuze uthole imali yentela ku ukudayiswa amafulethi, abakhokhi bentela iyadingeka ngaphambi kuka-April 30 ezayo (ezilandelayo lapho ukudayiswa zenzeka), isikhalazo emzimbeni abahloli intela endaweni yokuhlala ngesimemezelo igcwaliswe 3-PIT.