Oku ithuba attracts ezininzi homeowners
Ngoku siza zama ukubona yintoni impendula xa sidibanise njani ukuba abuyele percent ka-ukuthenga i-apartment
Emva zonke, ishumi elinesithathu le mali wachitha kakhulu okulungileyo imbuyekezo.
Icace phandle ukuba Us awukwazi kuphela nika imo, kodwa kanjalo into ukufumana kwi-kubuya. Iinketho ingaba efanayo njengoko kuba eqhelekileyo intengiselwano, kuba mortgage. Indlela kubuyela ishumi elinesithathu ipesenti ukusuka ukuthenga i-apartment. Yintoni efunekayo ukuze oku? Kutheni lungisa ngokwakho.
Kufuneka kuqatshelwe kanye - enjalo ithuba yethutyana asingabo bonke abemi.
Abaninzi, kodwa hayi absolutely lonke, abantu behlabathi. Deductions kuba i-apartment (babizelwe property) kusenokuba wafumana ngalo lonke taxpayer othe ingeniso. Oko kukuthi, lowo akahlawuli werhafu yengeniso.
Phantsi kwesi ingcamango, kubalulekile nomthetho ukuqonda, njengokuba umthetho, i-officially uqeshiwe ummi.
Kodwa abo awunayo na wavakalisa ingeniso, musa banelungelo kufumana deductions. Ngaphezu koko, enkulu yokuthenga ukwimo real estate uza ukutsala i-ingqwalasela ka-tax-mandla. Kwaye oku akusoloko okulungileyo.
Abadla kanjalo banelungelo kubuyela ishumi elinesithathu ipesenti ye apartment.
Kuphela ngabo uluhlu yonke into eyimfuneko kuba lo msebenzi ngu okuthile eyandisiweyo.
Kodwa ke ayisosine ingxaki. Ngowuphi na ixesha ixesha ingaba advised ukwaba kunye lo mbuzo. Ngokunxulumene bale mihla imithetho, unako ukucela a deduction kuba i-apartment kwisithuba seminyaka emithathu ukususela ngomhla we-intengiselwano, kodwa hayi kamva. Kuphela enjalo norms ingaba esekwe irhafu nemithetho Saserashiya. Kodwa enyanisweni, yonke into nje noko ezahluka-hlukileyo. Ingaba ndiya kubuyela ishumi elinesithathu ipesenti kuba i-real estate intengiselwano. Zenze umsebenzi msinyane kangangoko kunokwenzeka. Ingcaphephe kwaye abemi recommend intlanganiso i-isiphelo ukuhlawula irhafu xesha lokwenza umbiko. Emva zonke, kuthatha abanye ixesha kusihlola kunjalo, ngokunjalo ukuba unikezelo imali. Indlela ende iya kwenziwa isigqibo malunga isicelo okanye ukwaliwa kwesicelo. Malunga nama, - zidlulileyo. Kwaye ukongeza, kuthatha malunga amathandathu ngakumbi kwiintsuku unikezelo - deduction. Isiphumo - kuba yonke into, ukuba wena musa ukuthatha kwi-akhawunti ukulungiselelwa amaxwebhu, kuthatha malunga namakhulu zidlulileyo. Ngoko ke, ukuba ufuna ukucinga ngayo uyakwazi kubuyela personal income tax ukusuka ukuthenga i-apartment, kufuneka siqale isombulula lo msebenzi ngokukhawuleza. Kunjalo, kuqala kwaye ibaluleke kakhulu uxwebhu, oko kuluncedo wethu ishishini - lo ngumzekelo uchazo ikhadi. Ngokubanzi, nawuphi na omnye uza kwenza, kodwa irhafu-mandla insist ukuba kufuneka ufake oku yakho incwadana yokundwendwela ngaphandle kusilela.
Ngaphezulu precisely, ke rhoqo ukhuphelo.
Onke amaphepha kufuneka photocopied kwaye iqhotyoshelwe ukuba eyona uluhlu lwamaxwebhu. Ngaphandle i-uchazo ikhadi, awunakuba nako ukuphendula njani ukuba abuyele ishumi elinesithathu ipesenti ye-thenga i-apartment.
Uza ngokulula ziza kwaliwa kule meko.
I-incwadi yokundwendwela a ummi, mhlawumbi, ingaba yintoni efunekayo ukuze na eyenziweyo kwaye imisebenzi kwi-Us. Nakekela komnye inikisa umdla kakhulu inyaniso yeyokuba a ingxelo. Kumele compulsorily compiled kwaye zingeniswe kwi-tax-mandla. Ungathi, kwi free ifomu. Ngokunxulumene bale mihla imithetho, uyakwazi kubuyela-VAT ukusuka ukuthenga i-apartment (deduction) kuphela ukuba kufuneka nomthengi isicelo. Kubalulekile inkqubo esisinyanzelo uchaze yakhe ulwazi malunga owokuqala homeowner, ngokunjalo i data yakho, ulwazi malunga apartment yayo, iindleko. Ungalibali qhoboshela iinkcukacha ze-akhawunti apho kubalulekile kukunceda kakhulu eyenza refund. Ukuba le asiyiyo kwenzeka, ngoko ke kuya kufuneka ingxelo ilahlekile, namaphepha angama-okanye, njengoko rhoqo, kwenzeka ntoni, uza kuba wala a deduction - uza kuba ukuba ifayile isicelo kunye amaxwebhu ukuba irhafu ukususela kakhulu ekuqaleni.
Yintoni elandelayo.
Indlela kubuyela ishumi elinesithathu ipesenti ukusuka ukuthenga i-apartment.
Kodwa nayiphi na kunjalo, kufuneka amaxwebhu ukusuka kuwe
Obligatory ukuze ukuhlawula irhafu-mandla ingaba ebizwa-irhafu isibhengezo. Bubizwa -NDFL Kufuneka ube kuphela yayo yoqobo, akukho iikopi. Yintoni le ngxelo. Ulwazi malunga ingeniso yakho. Ukuba ngaba umsebenzi kuba ngokwakho, uza kuba ukwenza isibhengezo ngokwakho. Kungenjalo, uyakwazi uqhagamshelane umqeshi kuba uncedo. Kodwa enyanisweni nje -NDFL ngu wazaliswa yi-ngamnye taxpayer independently. Eneneni, ayinjalo njengoko kunzima njengokuba kubhaliwe babe ngathi ayixhasi namnye ngomhla wokuqala glance. Akukho mcimbi yintoni sisiseko acquisition ka-izindlu kwakukho indawo ibe (mortgage okanye elula yokuthenga kwaye ziyathengiswa), kufuneka ukuba nakanjani qinisekisa ingeniso yakho. Apha kuyimfuneko ukuba ikho isiqinisekiso ifomu -NDFL. Njengoko kwixesha elidlulileyo kunjalo, kuphela yoqobo iphepha ngu luyafuneka. Ukuba ngaba umsebenzi kuba ngokwakho, uza kuba ukuba independently zalisa le ulwazi. Kukho i-esemthethweni umqeshi? Ngoko ke uqhagamshelane iyabala isebe yakho ifemi, apho uza kunikwa -NDFL. Nolu xwebhu, kukho akukho iingxaki, kwi-siseko.
Kukuba imveliso isiqinisekiso unako kwezinye iimeko athabathe amanye ixesha? A gcwalisa uluhlu bonke essentials kuba kubuyela imali wachitha ngu-phantse kwiminyaka.
Enyanisweni, omnye akufunekanga xana malunga nto ibaluleke kakhulu - ulwazi malunga ndagqiba intengiselwano.
Ngaphandle amanye amaxwebhu awukwazi ukufumana i-deduction esilungiselelwe ukuthenga i-apartment.
Ngoko ke, yintoni ingaba kuza handy.
Okokuqala, oku isivumelwano ka-ziyathengiswa.
Kucetyiswa ukuba umqondiso i-ezongezelelweyo yoqobo ikopi ye-deduction. Kungenjalo, ngokwaneleyo angqinwe ubunyani ukhuphelo. Ngoko ke kuya kufuneka isiqinisekiso umthetho umnini - apartment. Ngaphandle kwayo, lenza akukho ntsingiselo ukuba isicelo sesibonelelo deduction. Yiyo loo nto, wena kuya kufuneka ulinde ixesha elithile ude ube nokufumana olu xwebhu. Amaxesha amaninzi ukhuphelo isiqinisekiso, hayi eziqinisekisiweyo, ndiya kukwenza. Nangona, njengokuba senzo ibonisa, abemi abaninzi rhoqo reinsured kwaye kwenza isiqinisekiso. Receipts kuba intlawulo, receipts akufumana imali owokuqala umnini - konke oku kufuneka kanjalo kubekho iqhotyoshelwe ukuba senziwe isibhengezo kwaye isicelo.
Uyakwazi ukwenza iikopi.
Eyona nto - qiniseka ukuba onke amaxwebhu kuba yakho unobumba. Ukuba ukhe wathenga i-apartment kuba umntu, ukuba kuvavanya ilungelo lakho kwi-deduction ngu-phantse ukwenzeka kwi-Us.
Lonke ulwazi kufuneka abonise ukuba uqinisekile ukuba umthengi.
Ngoku iselwa rhoqo kukho mortgage.
Indlela kubuyela ishumi elinesithathu ipesenti kule meko kuba yokuthenga. Kubalulekile ayikhonzima kakhulu ukwenza oku. Emva zonke, wena nje kuba ukongeza ngaphezu uluhlu ukuba amanye amaxwebhu. Kukho kuphela ababini kubo. Yokuqala ngu-a mortgage sivumelwano. Njengoko kwimeko ukuthenga kwaye bathengise, kubalulekile ngokwaneleyo okanye yoqobo, okanye ikopi eqinisekisiweyo. Ngaphandle kolu xwebhu, refund ye-deduction andisayi kuba lwenziwa. Yesibini yi kokuba zifunyenwe kuba intlawulo inzala yezavenge mortgage. Kunye arrears kwi-kubuyela, ishumi elinesithathu kuya kwaliwa ade maturity. Thatha ingqalelo lo msebenzi. Akukho namnye deducts kuthi. Kwi-siseko, yiyo yonke. Akukho ngakumbi amaxwebhu kuya kufuneka evela kuwe. Nangona kukho ezizodwa. Indlela kubuyela ishumi elinesithathu ipesenti ukusuka ukuthenga i-apartment. Kwezinye iimeko, ungacela zilandelayo amaxwebhu, kodwa abakho inkqubo esisinyanzelo (kucetyiswa ukuba nilungiselele kubo kwaye kaloku bona kwangaphambili): nabo bonke ngasentla amaxwebhu, ungenza isicelo irhafu-mandla e indawo yakho ohlala kuyo. Ungafaka isicelo a deduction. Ukuba ezilungiswe kakuhle, akuyi kuba akukho iingxaki kwaye akukho failures.
