Uyithola kanjani ohlwini lokulinda njengomkhaya abasha ezweni izindlu?

Okwamanje, izigaba ethile yezakhamuzi bayakwazi ukuthola usizo esimweni ukuthenga imizi yawo. Nokho, ukuze uthole ukuthi ithuba, udinga ukuqoqa uhlu ezithile kwemibhalo bese uzihambise ku ekuphathweni wesifunda. Ngemva kwalokho-ke kuzodingeka silinde uxhaso ezithile ngaphansi kohlelo. Uyithola kanjani ohlwini lokulinda njengomkhaya abasha ukuthi lokhu kudinga? Yini imibhalo Kudingeka uqoqe?

Uhlelo "umndeni Young"

Uyithola kanjani ohlwini lokulinda, futhi yini Kuzothatha? Ekwakhiweni imikhaya abasha e-Accounting wenziwa ngaphansi kohlaka uhlelo "umndeni Young". Yiqiniso, igama elisemthethweni umsindo ihlukile. Futhi ukuba enembile, kuba subprogram "Ezezindlu imikhaya abasha", oyingxenye yesimiso "Ezezindlu".

Ukusekela kulokhu Kwenziwa ngokukhipha izibonelelo. Ukuze uthole usizo esimweni esinjalo kuyadingeka ukuze uthole ethubeni ifulethi ukuba womkhaya osemncane. Kulokhu, umbhangqwana kufanele ukulondoloza imali yabo. Kungaba loan ngesikweletu, ngisho dolobha womama. Ukuqinisekisa ilungelo imali yoxhaso womkhaya osemncane kumelwe alethe incwadi uyakuba yisibonakaliso ukuthenga izindlu ekwakhiweni endlini.

Yini isigaba izakhamuzi bangathembela

Kusukela liphumele ithuba njengomkhaya abasha angeke ibe isifundo eningiliziwe zonke umehluko wemisindo nemiqondo yamagama. Okokuqala, kubalulekile ukuthola ukuthi ngubani uyakwazi ukusizakala ezifana wombuso aid. Lokhu kuhlanganisa izigaba ezilandelayo:

1. Umkhaya lapho engu zelungu ngalinye ingeqi engu-35. Ngokulandelayo, amalungu omkhaya akubhekwa abasha. Kuyaphawuleka ukuthi eminyakeni yobudala kumele singeqi engu-35 ngaleso sikhathi selekelelo kunokuba ngesikhathi kuhanjiswa kwemibhalo endaweni ekuphathweni. Kunezimo lapho kunikezelwa usizo lwezimali Kwenziwa izinyanga eziyisithupha ngemva kokuhambisa yonke imibhalo. Ngakho-ke, ukuqoqa wonke amaphepha adingekayo uphinde uzihambise ku ekuphathweni lendawo kufanele kusengaphambili. Ukuze uthole ohlwini lwabalindele izindlu emindenini abasha, kubalulekile ukuhlinzeka imibhalo ngesikhathi. Kulokhu, uhlelo Kungahlanganisa umbhangqwana ngeke nje. Kungenzeka imikhaya enomzali oyedwa, isibonelo, omunye abazali nengane.
2. Izakhamuzi WaseRussia. Kulokhu, akukho okuhlukile. Uma elinye ilungu lomkhaya akuyona isakhamuzi Russian Federation, ukubala usizo lwezimali Kwenziwa ngaphandle iqhaza lakhe.
3. Iqale indawo emhlabathini womkhaya osemncane kungaba uma kwenzeka ukuthi umsebenzi okhethekile uye waqaphela isidingo salo. Ukuze lesi simangalo sivumelekile, kubalulekile ukuba anikezele ezithile.

Kufanele kuqashelwe ukuthi imindeni emikhulu lapho ondlile abantwana ezintathu noma ngaphezulu, ngokondla isizo leemali kilabo isimo sethubeni ahlukile. Njengomthetho, ezibekwe kulayini.

Ngubani ofanelekile ukubamba iqhaza ohlelweni

Ngakho, ukuthi ungathola kanjani ohlwini lokulinda njengomkhaya abasha? Ukuze uqale ukucacisa yalabo abangakwazi ukusebenzisa lolu hlelo:

1. Le mithetho ingase ukusizakala umndeni abangenawo yokuhlala yabo, indlu noma ifulethi.
2. Imindeni umnikazi yokuhlala, kodwa endaweni esekelwe ilungu ngalinye umuntu ingasaphathwa kuyinsakavukela kwezenhlalo, okuyinto umehluko okukhulu ezinye izifunda zezwe. Ngokwesilinganiso, lesi silinganiso uyahluka 8-18 square metres umuntu ngamunye.
3. Uma kukhona endlini, ngokukhethekile ikhokhelwa isimo sakhe endaweni ubunikazi womkhaya osemncane. Uma efulethini, igumbi noma indlu singahlangabezani namazinga obuchwepheshe kanye enelanga, khona-ke umnini unethuba ukuthola isibonelelo kusukela isimo nge ukuthengwa yokuhlala entsha.
4. Ukusizakala usizo lwezimali can nalabo imindeni abaye ephethwe izakhiwo obonwa umsebenzi okhethekile agugile.
5. Thola usizo lwezimali futhi kungenzeka leyo mikhaya abangazange ngaphambili abantu abathole isibonelelo noma ebe yingxenye nezinye izinhlelo of the state.

Uma kusethwa ukuvula umbhangqwana kumelwe athumele amaphepha abaphathi bendawo ezifakazela ukuthi imali yabo.

Ubani ngowokuqala emugqeni?

Namuhla, abaningi abazi ukuthi ungathola kanjani ohlwini lokulinda njengomkhaya abasha ukuthi lokhu kudinga. Ngaphezu kwalokho, kunzima ukuthola ulwazi mayelana nokuthi ubani iyafaneleka ukuthola isibonelelo kuqala. Kunemikhakha oluthile lwabantu abanokuhlangenwe amalungelo athile:

1. Imindeni lapho ondlile abantwana ezintathu noma ngaphezulu.
2. Abafelokazi, abatlhalileko futhi omama abangabodwa.
3. Izigayigayi ngezenzo ezahlukahlukene ukulwa kanye nemindeni yabo.
4. Abasebenzi of the yangaphakathi izindaba Izidumbu Russian Federation, kuhlanganise Wezangaphakathi.

Uyithola kanjani i-nezindlu zonke umndeni abasha

Ukuze uthole ohlwini lokulinda, sicela uxhumane nehhovisi eliseduze imfucuza. Ngemva kwalokho kufanele abhale isicelo, isampula okuyinto enikeziwe. Eyesibili isimo - amaphasela imibhalo, okumele ukuqinisekisa isidingo kuthuthukiswe izimo zokuphila omkhaya. Kuwo wonke esifundeni Russian Federation kulawulwa ahlukene izenzo zomthetho yeziqondiso maqondana nezindlu, kanye ezingeni ezidingekayo imali womshado ngamunye.

Njengoba ukwanda nezindlu zonke womkhaya osemncane ngisho simple, kufanele ukuqoqa wonke amadokhumenti ngokushesha okukhulu. Kungenjalo, inqubo yokuthola isibonelelo zingase zephuze. Ngemva kokunikeza iphakethe ababebuthene kwemibhalo kuyodingeka ulinde isikhashana eside. Kungakhathaliseki umbhangqwana ongase abe zingakapheli izinsuku eziyishumi ukuze enze isinqumo, thatha ithuba njengoba umndeni abasha. Kwezinye izimo, uKhomishane angase enqabe. Uma isinqumo esihle senziwa, umndeni uzobe kukumugqa somxhaso lapho uthenga yokuhlala.

Grant

Lapho uhlelo ukuze kubhekwe ukuthi uxhaso ihlanganisa ingxenye kuphela zonke izindleko lapho uthenga yokuhlala. Kulokhu, ubukhulu usizo lwezimali isimo incike nemingcele eziningana. Ngokwesibonelo, womkhaya osemncane, lapho kungekho khona ingane angathola isibonelelo, usayizi akha% 30 kuphela inani eliyisilinganiso yamagceke. Yiqiniso, lesi sibalo zingase zishintshe. Umkhaya, abakhulisa izingane eziningana, ithola uxhaso 35%.

Ngokuqondene nazo zonke ezinye le mali, lo mbhangqwana kumelwe akhokhe eyakhe. Kulokhu, ungasebenzisa imali yakho siqu, sebenzisa inhloko-dolobha umzali noma imali-mboleko.

Yini imibhalo kudingeka

kanjani ukunikeza ngokwabo nge zokuhlala nemindeni abasha? Kuphi ume emgqeni futhi yini imibhalo edingekayo ukuze lokhu? Kukhona uhlu amaphepha adingekayo, okuyinto ziyahlukahluka kuye ngokuthi esifundeni yezwe. Ngakho-ke, ngaphambi kokuthi uthumele iphakethe kwemibhalo, kufanele licaciswe ekuphathweni wendawo, okuyinto imibhalo kudingeka ukwenziwa kulayini. Nalu uhlu ejwayelekile izibambiso:

1. Imibhalo Siqu we yisakhamuzi. Uhlu kuhlanganisa: ama-passport, izitifiketi zokuzalwa kwezingane, nencwadi yesehlukaniso, isitifiketi somshado, futhi eqinisekisa amazinga okuphila womkhaya osemncane. Ukuphatha lendawo kumele ahlinzeke okwangempela futhi amakhophi izibambiso.
2. Imibhalo eqinisekisa yokubhaliswa amalungu omndeni endaweni ezithile Russia.
3. Kuvele akhiphe wenza kusukela irejista endlini. Ngamanye amazwi, udinga ukuthatha isitifiketi ehhovisi ipasipoti yombusi bahlanganisa amalungu omkhaya. Uma abangane bomshado siphila indlu yangasese, kubalulekile ukuhlinzeka irejista endlini.
4. Isitifiketi kusukela inkampani, esebenza endlini. Lo mbhalo ukuqinisekisa ukuthi umndeni abasha ayinakho ezikweletini ukuze akhokhele zonke izindleko izakhamuzi ngenxa yemisebenzi ababeyenzile. Lokhu kuyadingeka kuphela ezindaweni ezithile kuleli zwe. Ngaphezu kwalokho, ukutholakala izikweletu - akusona isizathu sokwenqaba ekwakhiweni nhlobo.
5. Isenzo inhlolovo, okuyinto kumele libonise izimo zokuphila zemindeni abasha. Uma indlu isesimweni esingesihle futhi akunakubangelwa emabhilidini agugile enkabeni, kubalulekile ukuba amphuzise idokhumenti izoqinisekisa ke kuwo.
6. Ukuze uthole ohlwini lokulinda njengomkhaya abasha, kufanele uhlinzeke imibhalo ukuthi kwakuyoba uqinisekise nokungabi khona kwanoma yiliphi zokuhlala amalungelo impahla.

Ngenxa yalokho

I-Sub-hlelo "Ukunikeza izindlu imindeni abasha" Uhlelo "Ezezindlu" icacisa ukuthi iyiphi ukwenqaba ukuya noma isitatimende nomndeni kwi emgqeni izindlu samukelwa kuphela umzimba ogunyaziwe. Lokhu kwenziwa, njengoba umthetho, zingakapheli izinsuku ezingu-10 ngemva kokusetshenziswa isethi ephelele imibhalo. Ngaphezu kwalokho, umthetho unikeza ezinye izinsuku ezinhlanu ukuqaphela womkhaya osemncane. Kumelwe kwenziwe ngokubhala. Nokho, la magama ngokuvamile kakhulu i-.

isitifiketi

Uma isinqumo sathathwa kahle futhi lo mbhangqwana ungathola ku uhlu ukulinda, isitifiketi esikhishwe. Lokho-ke isisekelo abashadayo zezimali wombuso aid e ukuthenga umuzi kulo mhlaba. Nokho, kukhona zokukhokha ezithile. Ezivelele isitifiketi womkhaya osemncane kuvumeleke kuphela izinyanga ezimbili. Ngiyaqaphela ke angadluliselwa ebhange igatsha efanele ukuvula akhawunti Ukuvinjwa. Nalapha futhi kukhona umehluko wemisindo nemiqondo yamagama. Izimali kusuka kule akhawunti angadluliselwa umdayisi kuphela, ezifana nezinkampani-Umakhi.