Kodi ndingapeze kangati msonkho wogulitsa nyumba, mankhwala ndi maphunziro?

Pafupi nzika iliyonse imadziwa kuti phindu la anthu payekha likhopetsedwa ndi msonkho umodzi wa 13%. Koma ambiri sakudziwa za kuchotsedwa kwa msonkho. N'zotheka kuchepetsa chiwerengero ichi. Pafupipafupi mungapeze msonkho wokhometsa msonkho - kenako mu nkhaniyi.

Maganizo ndi mitundu

Nthano yochepa. Kuchotsa msonkho ndizopindulitsa, zomwe zimakulolani kuchepetsa msonkho kwa munthu aliyense (13%).

Iwo amagawidwa malingana ndi chifukwa cha:

• Standard;
• Malo;
• Zamtundu;
• Professional.

Sikoyenera kufunsa funso motere: "Ndikhoza kangati kupeza msonkho wa msonkho?" Choyamba, muyenera kupeza maziko a phindu.

Standard

Zaperekedwa ndi:

1. Mitundu ya nzika zomwe zinagwira nawo ngozi ku Chernobyl chomera cha nyukiliya ndi Mayak PA. Izi zimaphatikizapo oyendetsa katundu, ana omwe ali m'madera oipitsidwa, asilikali ndi azachipatala omwe adagwira nawo zochitikazi. Kukula kwa kuchotsedwa kumatanthawuza kuchuluka kwa mabakia 3000 zikwi. Mwezi uliwonse. Zambiri za izi zafotokozedwa mu Code Code.
2. Masewera a Mgwirizanowu ndi Russia, omwe akugwira nawo nkhondo yachiwiri yapadziko lonse, kutsekedwa kwa Leningrad, akaidi a kundende zozunzirako anthu, komanso osagwira ntchito m'magulu a I ndi II. Kuchokera kwachulukidwe kudzakhala ma ruble 500 pa mwezi.
3. Makolo (osamalira) - kwa ruble 1400 kwa aliyense kwa ana awiri, 3000 kwachitatu ndi zotsatira.

Mfundo yomaliza imakhudza ambiri, kotero tiyeni tiyang'ane bwinobwino.

Phindu la msonkho kwa ana

Tiyeni tione dongosolo la zochitika pa phwando lawo.

1. Ndikofunika kulemba zolembedwera kwa abwana.
2. Tumizani zikalata kuti mukhale ndi ufulu wotsalira msonkho. Pa nthawi imodzimodziyo, m'pofunika kudziwa kuti kholo lokha limapindula phindu lalikulu.
3. Phatikizani mawu awiri kwa wotsogolera kapena mlembi. Chimodzi, chosaina ndi kusindikizidwa, chatsalira kwa ife eni. Ngati, pa chifukwa chilichonse, misonkho ikulipidwa mokwanira, bukuli lidzakhazikitsidwa pa ntchito yoyang'anira ntchito kapena khoti.

Zitsanzo za kuwerengetsa msonkho wa msonkho kwa ana

Ndiye ndi kangati komwe mungapezeko kuchotsera msonkho kwa ana? Ngakhale kuchuluka kwa malipiro apachaka sikudzafika pa makasitomala 280,000.

Tiyeni afotokoze chitsanzo cha konkire.

Mlembi Nikolenko A.V. Amalandira malipiro a ruble zikwi 35. Ali ndi ana awiri. Iye ali ndi ufulu kulandira msonkho wa 1,600 pa imodzi. Chiwerengero cha 3200.

Choncho, 3200 sichikhomedwa msonkho wa zikwi 35.

(35000 - 3200) x 13% = 4134.

Choncho, malipiro a Nikolenko adzakhala:

35,000 - 4134 = 30 866 rubles.

Ngati mlembi sanapindulepo, msonkho wake waumwini ungakhale:

35 x x 13 = rubulu 4,550 m'malo mwa rubeni 4134.

Zoonadi, kuchuluka kwa ma ruble 400 kumawoneka ngati kosafunikira, koma ngati mutatenga miyezi 6, tidzatenga 2 400. Momwe mukuyenera kulipira mawu omwe analembedwa.

Konzani mwachidule zotsalira zonsezi:

• Mwana mmodzi - 1600 rubles;
• Ana awiri - 1600 x 2;
• 3 ndi zina - 1600 x 2 + 3000 (kuchulukitsidwa ndi chiwerengero cha omwe akutsatira pambuyo pa ana awiri).
• Mwana wolumala mpaka msinkhu wochuluka kapena woposa 24 (amapita kwa ophunzira) - 6000 kwa aliyense.
• Wopatsa chakudya chokha ndi kuchulukitsa phindu lonse kawiri.

Nthawi yamanja imagwiritsa ntchito

Ubwino wotsalira msonkho wokhudzana ndi ana superekedwa kwa chaka chonse. Siperekedwa ngati ndalama zifika pa makombola 280,000.

Tiyeni tipitirize chitsanzo chathu ndi Mlembi Nikolenko. Misonkho yake, tikukumbukira, rubles zikwi 35 pamwezi.

280/35 = miyezi 8. Izi zikutanthauza kuti akhoza kugwiritsa ntchito izi mpaka August. Kuyambira mwezi wa September, chiwerengero cha msonkho wawo waumwini chidzapangidwa pafupipafupi.

Zamakhalidwe

Zotsalira za anthu zimaperekedwa:

• Kuphunzitsa;
• Chithandizo;
• Chikondi;
• Ndalama zokhudzana ndi inshuwalansi ya penshoni.

Zabwino sizisonkhezedwa

Thandizo la ndalama ku mabungwe osiyanasiyana othandiza kapena osapindula sililipira msonkho. Koma chizolowezi choterocho chili ndi malire.

Kuwathandiza kuthandizira, maphunziro, zipembedzo, komanso mabungwe ena osapindulitsa pankhani ya sayansi, chikhalidwe, masewera, maphunziro a kusukulu sayenera kupitirira 25% ya ndalama panthawi yolemba.

Phindu limene muyenera kupereka:

• Mafunso okhudza phindu.
• Malemba otsimikizira malipiro.
• Zopereka za mgwirizano pa zopereka ndi zopereka ndi zolemba zomwe zilipo za bungwe lomwe linalandira thandizo.

Maphunziro

Tsopano, zambiri za nthawi yomwe mungapeze msonkho wa msonkho. Magaziniyi idzagawidwa pawiri.

1. Kodi ndikhoza kangati kupeza msonkho wa msonkho kwa maphunziro a ana? Apa tikuphatikizanso maphunziro athu omwe.
2. Kuchotsa msonkho kwa achibale apamtima.

Ali payekha ndi kuphunzitsidwa kwa anawo nzikayo ili ndi ufulu kupereka msonkho kwa ruble zikwi 120. Ndalama zomwezo zimaphatikizapo zopindulitsa zonse (kupatula chithandizo). Pamwamba tawafotokozera kale.

Kuphunzitsa achibale (abale, alongo) kumapindulitsanso. Koma pakadali pano sayenera kupitirira ma ruble 50,000.

Zolemba zofunikira:

• Mafunso okhudza phindu.

Cc:

• Malipiro kapena zolemba zina zomwe zimatsimikizira kulipira.
• Mikangano yophunzitsidwa.
• Malamulo a masukulu.

Momwemo, nzika "imachotsedwa" kuchokera kumalipiro a msonkho waumwini payekha komanso maphunziro a ana kwa ruble zikwi 120, mabulu 50,000 a achibale.

Chithandizo

Tsopano ndi nthawi zingati zomwe mungapeze msonkho wogula mankhwala. Mphatso imeneyi, komanso maphunziro, imatanthawuza kumapindulitsa. Chiwonongeko cha gulu lonse, monga tanenera pamwambapa, sayenera kudutsa ma ruble 120,000. Ndalamayi sichiphatikizapo ndalama zothandizira.

Kuchotsera kwa 13 peresenti ya msonkho waperekedwa kumaperekedwe mpaka kuchuluka kwa kubwereka kufika pa ruble 120,000. Pa chaka.

Zitsanzo zowerengetsera

Ubwino wa msonkho wa mankhwala ndi maphunziro ukuwerengedwa malinga ndi njira imodzi.

Tiyerekeze kuti nzika ya Petrenko ikuphunzira mwana ku yunivesite. Amalipira rubles 130,000 pachaka (pamwamba pa msonkho wapamwamba wa msonkho). Petrenko amalandira 100,000 pamwezi. NDFL (13%) idzafanana ndi 13,000 pa mwezi.

Kwa chaka cha kalendala Petrenko adzapereka msonkho kwa boma:

13 x 12 = ruble 156,000. Mwa awa, adzabwerera 120,000, ngakhale kuti amapereka maphunziro a mwana wa 130,000 pachaka.

Ndipo kwa chithandizo, ndi kuphunzitsidwa, ndalama zokhazo kuchokera ku msonkho waumwini womwe unagwiritsidwa ntchito, koma osapitirira 120,000 rubles, amabwezedwa.

Phindu la mankhwala: milandu yogawa

Kuchotsa msonkho kumaperekedwa kwa milandu yotsatirayi:

• Malipiro a iwo okha ndi chithandizo cha achibale, ana (osakwana zaka 18) m'ndondomeko ya mautumiki ovomerezedwa ndi Boma. Kupeza mankhwala ndi mankhwala omwe ali m'ndandanda wovomerezedwa ndi boma. Ayenera kusankha dokotala.
• Kulipira malipiro a inshuwalansi yodzifunira nokha ndi achibale awo apamtima (ana osakwana 18 okha).

Maofesi ofunikila kuwonetsa msonkho kwa mankhwala

• Mafunso okhudza phindu.

Cc:

• Mikangano yopereka mautumiki.
• Malamulo a mabungwe azachipatala.
• Malipiro ndi zolemba zina zomwe zimatsimikizira kulipira.
• Malemba a madokotala.
• Malemba otsimikizira za ubale.

Kuchotsedwa kwa katundu

Tsopano ife tikuyang'ana ku funso la kuchuluka kwa nthawi yomwe inu mungapezere msonkho wa msonkho kwa nyumba pamene mugula.

Kugula ndi kugulitsa nyumba zogulitsa zimatchulidwa ngati "kuchotsedwa kwa katundu". Kuti mupindule ndi ubwino, muyenera kukhala ndi malipiro a boma.

Kotero ndi kangati ine ndingapeze msonkho wa msonkho wa katundu pa kugulitsa? Malingana ndi nthawi yomwe ali nayo:

• Kupitirira 1 miliyoni ngati nyumba, mwachitsanzo, ili mu malo kwa zaka zoposa zitatu.
• Mpaka ma ruble 250,000, ngati osachepera.

Kugulitsa katundu wagawidwe

Funso limabwera: "Bwanji ngati wokhalamo alibe nyumba yonseyo, koma gawo lokha?" Pankhaniyi, otsalawo adzakhala ofanana ndi gawoli. Chinthu china ndi chakuti gawolo lidalembedwa ngati chinthu chosiyana. Mwachitsanzo, chipinda cha nyumba yomwe ili ndi pasipoti yake. Ndiye wokhomera msonkho ali ndi ufulu kugwiritsa ntchito phindu lalikulu.

Pogulitsa zinthu zingapo zokhala ndi nyumba zogulitsa malo m'chaka chimodzi cha kalendala, wokhalamo ali ndi ufulu wosankha msonkho wa msonkho pa chinthu chimodzi chokha.

Choncho, yankho la funsoli: "Ndikhoza kangati kupeza chithandizo cha msonkho?" - zidzakhala: kamodzi pachaka. Kuchotsera kumaperekedwa kokha pa malo amodzi omwe mwasankha. Mtengo umadalira nthawi ya umwini.

Kupeza katundu

Tiyeni tipitirire kugula. Mofananamo, ku funso la kuchuluka kwa momwe mungapezere msonkho wa msonkho kwa nyumba mukagula.

Chiwerengero cha phinduli chimaikidwa pa ruble 2 miliyoni. Ndalama zikhoza kuwonjezeka pogula nyumba mu ngongole.

Kuchotsedwa kwa katundu sikuperekedwa kugula nyumba kuchokera kwa achibale kapena anthu ena, kugula ndi kugulitsa pakati pa cholinga cha kupeza phindu, pothandizidwa ndi ndalama za amayi omwe ali ndi amayi kapena zina zapadera za bajeti (Programme "Housing Affordable", "Young Family" )

Mukhoza kugwiritsa ntchito mwayi umenewu kamodzi pa moyo wanu wonse

Phindu limayamba kuyambira nthawi yomwe nyumba ikugulitsidwira ndikupitsidwanso zaka zina za nthawi yolemba chisanachitike kukwanira kwa malire onse. Pankhaniyi palibe lamulo la kuchepa kwa ufulu wogwidwa.

Chitsanzo:

Sidorenko AA Anagula nyumba ya ruble 3 miliyoni. Malipiro ake ndi rubles 50,000. Mwezi uliwonse. Mtengo wapachaka wa msonkho waumwini udzakhala:

(50 x 12) x 13% = 78 zikwi.

Chifukwa chake, kuchotsedwa kudzakhala 78,000 pachaka. Zotsalayo (2000,000 - 78,000) 1 miliyoni 922,000 rubles amasamutsidwa kupita. Mpaka nthawi imeneyo, kufikira mwayiwu utaperekedwa.

Momwe mungagwiritsire ntchito ngongole ya msonkho kwa nyumba yomwe idagulidwa ndi kalata yokhudzana ndi kubereka

Kuchokera ku mtengo wa nyumba ndikofunikira kuchotsa ndalama zomwe zidaperekedwa ndi kholo la ndalama. Ndipo ena onse apatsidwa mwayi wopindulitsa wamuyaya.

Kuchokera kwa bajeti kwa kugula nyumba ndi kuchuluka kwa zizindikiro zakumayi sikulipo mu bajeti.

Kutengana ndi galimoto

Ambiri amakhalanso ndi chidwi ndi funso la kuchuluka kwa momwe mungapezere msonkho wa galimoto. Mukamagula phindu simunapereke.

Kugulitsa kwa galimoto yomwe ili ndi umwini kwa zaka zopitirira zitatu sikumayenderana ndi msonkho.

Palinso kuchepetsa pa kugulitsa kwa makasitomala 250,000. Ngati ndalama zogulitsa galimoto zomwe zinali zochepa kuposa nthawi "yowombola" kwa wokhalamo ndizokulu, ndiye kuti zimayenderana ndi msonkho.

Chitsanzo:

Titarenko PD Anagulitsa galimoto yomwe anali nayo kwa chaka chimodzi. Mtengowu unali ma ruble 700,000. Choncho, Titarenko ayenera kulipira:

(700,000 - 250,000) х 13 = 22 750 rubles.

Professional

Izi ndizophindu zomwe zimagwiritsidwa ntchito pa gulu laling'ono la anthu. Amapatsidwa malipiro a wolemba, zotsatira za zochitika za sayansi, zolemba zapayekha payekha, ogulitsa omwe adatayika mu msika wachinsinsi.

Zotsatira

Kotero ndi kangati komwe ndingapeze msonkho wogulitsa? Ife tinaganiza kuti chirichonse chimadalira pa chifukwa cha phindu. Mitengo yambiri ya msonkho imaperekedwa ndi malire ena pachaka. Zokhudzana ndi zolembera za ndalama, pazochitika zonsezi ndizofunika kuwonana ndi oyang'anira msonkho ndikufotokozera, popeza mndandanda wa zolemba zowonjezera sizinalembedwe mu code. Zingasinthe malinga ndi mkhalidwewo. Tinkangofuna kufotokoza zambiri zomwe zingathandize anthu kumvetsa mapindu omwe ali nawo. Inde, misonkho imafunika kuti mukhalebe ndi dongosolo ndi kukhazikika pakati pa anthu. Iwo amapita ku malipiro a aphunzitsi, madokotala, ndi zina zotero. Koma moyo uli ngati kuti kulephera kulephera kukhoma misonkho ndikofunikira basi. Kufunika kwa maphunziro, kusamalira ana, kugula nyumba kumakhala kovuta kwambiri. Choncho, mwayi muzochitika zotero ndizofunikira basi.