I-mortgage ekhethwayo yochwepheshe be-IT ngo-2022

NgoMeyi 2022, uhulumeni wamemezela izindlela ezintsha zokweseka ochwepheshe be-IT futhi wethula uhlelo olukhethekile lokuboleka imali. Ochwepheshe emkhakheni wezobuchwepheshe bolwazi bazokwazi ukusizakala, izinga le-mortgage lizoba ngu-5%.

I-Healthy Food Near Me, kanye nochwepheshe, batshela ukuthi iyini imali ebolekwayo ekhethwayo yochwepheshe be-IT ngo-2022 nokuthi bangayithola kanjani.

Isimemezelo Sikahulumeni Ngokubolekwa Kwempahla Yabasebenzi Be-IT

From the Decree of the Government of the Federation No. 805 of April 30, 2022¹ singaphetha ngokuthi umsebenzi wokubolekwa kwempahla kwe-IT okukhethekile uwukunikeza abasebenzi kule ndawo izimo zokuphila ezinethezekile. Ochwepheshe be-IT baqale ukucabangela kakhulu ukuthi kungenzeka yini ukuthuthela kwelinye izwe ngenxa yenswinyo, futhi izindlu ezibolekiwe ezikhethwayo kufanele zisize ukuzigcina Ezweni Lethu. Ngokwemigomo yesinqumo, ochwepheshe abaqashi babo abafakwe kurejista yezinhlangano ezigunyaziwe emkhakheni we-IT.² futhi sebevele basebenzisa izinxephezelo zentela, bazokwazi ukuthola imali mboleko yezindlu ngemibandela evumayo - kufika ku-5%. 

Ngokuvumelana ne Umqondisi Jikelele wemakethe yezezimali "Vyberu.ru" uGrigory Burdenko, within the framework of the program, by the end of 2024, it is planned to issue up to 50 loans for a total amount of 000 billion rubles. Decree of the Government of the Federation No. 240 dated April 805, 30 sets out the requirements for borrowers, lenders and real estate, the conditions for issuing a mortgage, as well as the rules for the interaction of banks with the operator of the program, DOM.RF.

Amaqiniso Athakazelisayo Okubolekwa Kwezindlu Zabasebenzi Be-IT

I-Mortgage yochwepheshe be-IT ngo-2022 inikeza okunikezwayo okuningi okuthokozisayo kubahlanganyeli bayo. Ake sikhulume ngezibalulekile.

Imibandela yokuthola i-mortgage yochwepheshe be-IT

Ukuze ufanelekele ukubolekwa imali enjalo, kufanele kuhlangatshezwane nemibandela ethile. Amabhange anezidingo zabo bobabili ababolekayo kanye nezindlu ezithengiswayo.

Izidingo zebhange kubaboleki

The age of the borrower is from 22 to 44 years inclusive. He must earn over the past three months before deducting personal income tax from 150 thousand rubles if he lives in a region where the population is more than 1 million people, and not less than 100 thousand rubles if he works in some other subject of the Federation.

Kubalulekile ukuthi isisebenzi sisebenze enhlanganweni egunyazwe iziphathimandla, efakwe kurejista efanele². Ngesikhathi esifanayo, inhlangano eqashayo kufanele ibe nabasebenzi okungenani abangu-7, futhi kufanele futhi ibe ne-OKVED 62.01, 62.02, 62.02.1, 62.02.4, 62.03.13, 62.09, 63.11.1.

Ungasebenzisa uhlelo lwe-mortgage olukhethekile kochwepheshe be-IT kanye kuphela. Ngaphezu kwalokho, umhlanganyeli wayo akufanele asebenzise ezinye izindlela zokweseka ezifanayo - izikweletu ezikhethwayo, zomndeni, zaseMpumalanga Ekude noma zasemakhaya.

Iphuzu elicashile esinqumweni wukungabikho kohlu lwezikhundla noma amaphrofayili abasebenzi abafaneleka ukusebenzisa uhlelo. Ngokwethiyori, namuhla bonke abasebenzi bezinkampani ze-IT ezigunyaziwe, kungakhathaliseki isikhundla sabo, banelungelo lokubolekwa imali ngokukhethekile. Khonamanjalo, umbuso uhlinzekela isikhashana okuhloswe ngawo ukunqamula abasebenzi abangabalulekile - lokhu kuyimfuneko yezinga elincane lemali engenayo.

Izidingo zebhange zezindlu ezithengiswayo

Ngokwesinqumo, amabhange angakhipha imali yokubolekwa kwempahla ekhethwayo kochwepheshe be-IT kokubili ukuze kuthengwe osekulungele futhi ukwakha izindlu ezingaphansi komkhawulo wama-ruble ayizigidi ezingu-18 emadolobheni anabantu abangaphezu kwesigidi kanye nama-ruble ayizigidi ezingu-9 emadolobheni ane- inani labantu abangafika ku-1 million. Isikhathi esiphezulu semalimboleko yiminyaka engama-30. Inkokhelo encane encane ingu-15%.

Ngakho-ke, ngosizo lwe-mortgage ekhethwayo yabasebenzi be-IT, ungathenga ifulethi emakethe eyisisekelo kumthuthukisi ngaphansi kwesivumelwano sokwabelana noma ngaphansi kwesivumelwano sokuthengisa nokuthenga. Lolu hlelo lusebenza ezindlini ezintsha zasemadolobheni nasezindlini ngazinye. Zidinga futhi ukuthengwa kunjiniyela. Uhlelo alusebenzi ezindlini zesibili.

Uhlu lwamabhange lapho ungathola khona i-mortgage yochwepheshe be-IT

Akuzona zonke izinhlangano zamabhange ezikhipha izikweletu ezikhethwayo zochwepheshe be-IT. Nalu uhlu lwamabhange abambisana nalolu hlelo ngo-2022:

Ungayithola kanjani i-mortgage yabachwepheshe be-IT

Noma ubani ofuna ukuthenga ikhaya elisha futhi awele ngaphansi kwesigaba esinelungelo njengesisebenzi se-IT udinga ukuqoqa iphakethe lamadokhumenti futhi aqedele isivumelwano. Sikutshela ukuthi ukwenze kanjani. 

Ukuhlelwa Kwemibhalo

Nali isethi ejwayelekile: 

• ipasipoti;
• I-SNILS;
• Usizo 2-NDFL;
• khipha encwadini yomsebenzi;
• ikhophi yenkontileka yomsebenzi; 
• isitifiketi senhlangano esikurejista yezinkampani ze-IT ezigunyazwe uMnyango Wokuthuthukiswa Kwedijithali;
• izitifiketi zomshado nezokuzalwa zezingane (uma zicelwa yibhange).

Umhlahlandlela wesinyathelo ngesinyathelo

1. Emnyangweni wokubalwa kwezimali wenhlangano yakho, udinga ukuthatha ikhophi yenkontileka yokuqashwa, ikhophi yencwadi yomsebenzi, isitifiketi semali engenayo esiyi-2-NDFL.
2. Endaweni efanayo, udinga ukucela isitifiketi senhlangano esikurejista yezinkampani ze-IT kanye nekhophi yesiqephu esisuka kurejista yoMnyango Wezokuthuthukiswa Kwedijithali. Qiniseka ukuthi ubheka ukuthi i-TIN yebhizinisi elisemthethweni ezitifiketini kanye nekhishwe kurejista kuyafana.
3. Ngepasipoti futhi, uma ikhona, izitifiketi zomshado nokuzalwa kwezingane, udinga ukuya ebhange olikhethile ukuqedela ukuthengiselana. Ngokuvamile kunenzuzo enkulu ukufaka isicelo lapho unephrojekthi yeholo.
4. Endabeni yokwakha indlu yakho usebenzisa i-mortgage loan, udinga ukuthola ngokwehlukana izidingo zebhange zokugunyazwa kwephrojekthi kanye nenkontileka yokwakha.
5. Ngemuva kokuhlola imibhalo, ifulethi noma indlu ofuna ukuyithenga iyakhethwa.
6. Lungiselela ukubhaliswa kwe-mortgage inkokhelo yokuqala okungenani engu-15% yenani lenkontileka - kusuka ezikhwameni zakho, imali yokubeletha noma usizo lwezezimali oluvela esifundeni noma kumqashi.
7. Dweba inkontileka futhi uyifunde ngokucophelela. 

Iseluleko sochwepheshe sabachwepheshe be-IT lapho bethola imali yokuthenga indlu

- Ngokungangabazeki, imigomo ye-mortgage ethandwayo iyathandeka kakhulu kochwepheshe be-IT. Kodwa ngaphambi kokufaka isicelo, kufanelekile ukuhlola i-solvency yakho kanye namathemba ezezimali. Okufanelekile, akufanele kube ngaphezu kuka-40% wemali engenayo yomndeni yanyanga zonke okufanele iye ukuyokhokha imali ebolekiwe, kuxwayisa. UDmitry Veselkov, uMqondisi Wezinhlelo Zokubolekwa Kwezindlu kanye Nokubolekwa Kwebhange Kwama-Metrium.

Ungoti uphinde weluleke ngokuthatha imali ebolekiwe ebhange othola kulo iholo lakho. Lokhu kuzosiza ukugwema ukulungiswa kwephakheji eyengeziwe yamadokhumenti. 

Imibuzo nezimpendulo ezidumile

UDmitry Veselkov answered Healthy Food Near Me journalists on important questions regarding preferential mortgages for IT specialists.  

Imithombo ye

1. Decree of the Government of the Federation No. 805 of April 30, 2022. URL: http://static.government.ru/media/files/AwaQwrG8Tfk2uRUrMrXQYQzYsPB5vNr2.pdf 
2. Irejista yezinhlangano ezigunyaziwe ezisebenza emkhakheni wobuchwepheshe bolwazi. I-URL: https://digital.gov.ru/opendata/7710474375-registergosaccred/table/