Imoto yomndeni omkhulu ngo-2022

Kubazali abangenayo eyodwa, kodwa izingane ezintathu noma ngaphezulu, umthetho uhlinzeka ngamabhonasi ahlukahlukene. Phakathi kwazo kubalwa usizo lwezokuthutha. U-Irina Ryzhuk, Ummeli e-Lapitsky & Partners Law Firm ichaza ama-nuances wenzuzo enjalo njengemoto yomndeni omkhulu ngo-2022. Ungayithola mahhala? Ubani futhi hlobo luni lwemoto okufanele uyenze? Futhi ingabe kufanele ukhokhe izintela?

Indlela yokuthola imoto yomndeni omkhulu

Izinyathelo zokweseka imindeni emikhulu, ingxenye enkulu, zinqunywa emazingeni esifunda. Akukhona yonke indawo ehlinzeka ngokuhlinzekwa kwezimoto kubantu abanjalo. Kodwa kukhona uhlelo lukahulumeni "Imoto Yomndeni". Inwetshiwe kuze kube sekupheleni kuka-2023 futhi ivumela abazali abanezingane ezintathu noma ngaphezulu ukuthi behlise izindleko zokuthenga imoto.

– Lolu wuhlelo lwemalimboleko lukahulumeni. Ivumela umuntu ukuthi athenge imoto ngesaphulelo sika-10% wezindleko zemoto. Izakhamizi zaseMpumalanga Ekude zinesaphulelo esikhulu - 25%, - kusho u-Irina.

Ukuze ubambe iqhaza ohlelweni, kufanele ugcwalise izinyathelo ezilandelayo.

Isinyathelo esi-1. Hlangana nemibandela

Umhlanganyeli wohlelo kumele awele ezigabeni ezilandelayo:

• ube yisakhamuzi se-Federation;
• khulisa izingane ezimbili noma ngaphezulu;
• babe nokubhaliswa unomphela endaweni yesifunda esisodwa, lokhu kusebenza kubo bobabili abashadile;
• umlingani ozobhaliswa kuye imoto kumele abe nezincwadi zokushayela;
• ngaphambili umuntu akazange asebenzise ilungelo lokuthola imali ebolekiwe yemoto;
• umzali ofaka isicelo semoto akanayo enye imali ebolekiwe yemoto;
• umthengi wemoto kufanele abe nomthombo ovamile wemali engenayo.

Ukuze uthole isimo "esikhulu" ungaxhumana nesevisi yezenhlalakahle. Lapho uzosizwa ekutholeni imihlomulo nokufaka isicelo sayo.

2 isinyathelo. Ukukhetha imoto

Isaphulelo ngeke sitholakale kuzo zonke izimoto. Emndenini omkhulu, izimoto ezibiza ama-ruble angaphezu kwezigidi ezingu-1 ziyatholakala. Iziphathimandla zihlela ukwenyusa umkhawulo ube ama-ruble ayizigidi eziyi-1,5.

“Futhi, uMnyango Wezimboni Nezohwebo weFederation wethule umbandela othi izimoto ezithengiswa ngaphansi kohlelo lukahulumeni kufanele zikhiqizwe Ezweni Lethu,” kusho uRyzhuk. “Ngakho-ke uhlu lwezimoto ezingaphansi kwalolu hlelo lwehle kakhulu.

Okunye okudingekayo ngemoto ukuthi isisindo sayo akumele sidlule amathani angu-3,5. Futhi, imoto yomndeni omkhulu kufanele ibe yintsha - 2019-2020 yokukhululwa. Lezi zimoto akumele zibhaliswe emaphoyiseni omgwaqo.

Isinyathelo esi-3. Ukukhetha kwebhange

Ukuze bafake isicelo sokubolekwa imali yemoto, abazali abanezingane eziningi kudingeka bakhethe ibhange abazobhala kulo amaphepha. Lapho banganikela ngezimo zabo. Phakathi kokudingekayo cishe njalo okulandelayo:

• umlando omuhle wezikweletu;
• iminyaka eyi-65;
• ukuba nomthombo ovamile wemali engenayo.

Izinga lokuboleka akumele lidlule ku-16%, isikhathi yiminyaka emi-3.

4 isinyathelo. Ukuqoqwa kwamadokhumenti

Endaweni edayisa izimoto noma ebhange elibambe iqhaza ohlelweni, lapho uzofaka khona isicelo senzuzo, uzodinga ukuqoqa imibhalo ethile. Uhlu lwabo cishe luzohlanganisa:

• ipasipoti;
• ilayisense yomshayeli;
• I-INN;
• izitifiketi zokuzalwa zezingane;
• isitifiketi esivela emsebenzini, lapho kufanele ngabe ususebenze okungenani izinyanga ezi-3, incwadi yomsebenzi;
• SnilS.

Kungase kudingeke ukuthi unikeze enye into - kuya ngezimo umthengi azibeke phambili enhlanganweni ethile.

5 isinyathelo. Ilinde isinqumo

Ucwaningo lwesicelo ngokuvamile luthatha amasonto amabili kuya enyangeni. Ngemva kokugunyazwa kwayo, abazali abanezingane eziningi kuyodingeka baphinde baye endaweni edayisa izimoto noma ebhange, lapho beyonikezwa khona isivumelwano okuzodingeka basayine kuso.

Khona-ke uzodinga ukulinda kuze kube yilapho izimali ezivela ebhange zidluliselwa kumdayisi wemoto, thola imoto kanye nemibhalo yayo, bese uyibhalisa emaphoyiseni omgwaqo. Le nqubo yabazali abanezingane eziningi akuyona into ekhethekile, konke kwenzeka ngokuvumelana nohlelo olujwayelekile. Ukuthinta okokugcina kuzoba ukudluliselwa kwamadokhumenti emoto entsha ebhange lapho uthole khona imali ebolekiwe.

Izipesheli zesifunda

Umkhulumeli wethu ukhumbula ukuthi izakhamizi zezingxenye ezahlukahlukene zeZwe Lethu zinezinzuzo zazo. Ngakho-ke, eSt. Petersburg, umndeni omkhulu ungathola ukwesekwa komphakathi ngendlela yezindleko zokuhlinzekwa kwebhasi elincane labagibeli.

- Yiqiniso, abazali abanjalo kufanele bakhulise izingane ezincane ezingu-7 noma ngaphezulu. Ungumnikazi noma ngaphansi kokugadwa emndenini okungenani iminyaka emithathu. Lokhu kubandakanya nezingane zokutholwa, – kuchaza ummeli.

Futhi eTula, abantu abakhulisa izingane ezincane ezingu-7 nangaphezulu balungele ukwaba ama-ruble ayizinkulungwane ezingu-590 ukuze kuthengwe i-minibus. Into esemqoka ukuhlala esifundeni saseTula okungenani iminyaka eyi-10.

Kungenzeka ukuthi izinketho ezintsha zizovela maduze. Yebo, ngokusho U-Irina Ryzhuk, umthetho osalungiswa uhanjiswe ku-State Duma, ngokusho kwayo okuhlongozwayo ukunikeza imindeni enengane yesihlanu ngezimoto zasekhaya.

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