Kubwereketsa kwapadera kwa akatswiri a IT mu 2022

Mu Meyi 2022, boma lidalengeza njira zatsopano zothandizira akatswiri a IT ndikukhazikitsa pulogalamu yobwereketsa ngongole. Akatswiri pazaukadaulo wazidziwitso azitha kugwiritsa ntchito mwayi, chiwongola dzanja chidzakhala 5%.

Healthy Food Near Me, pamodzi ndi katswiri, amauza kuti ngongole yobwereketsa ndi ya akatswiri a IT mu 2022 ndi momwe angaipezere.

Lamulo la Boma pa Ngongole Zanyumba kwa Akatswiri a IT

Kuchokera ku Lamulo la Boma la Federation No. 805 la Epulo 30, 2022¹ titha kunena kuti ntchito yobwereketsa ndalama za IT ndikupatsa antchito mderali moyo wabwino. Akatswiri a IT adayamba kuganizira mozama za kuthekera kosamukira kumayiko ena chifukwa cha zilango, ndipo ngongole zanyumba zapanyumba ziyenera kuwathandiza kuti akhale m'Dziko Lathu. Malinga ndi chigamulochi, akatswiri omwe olemba anzawo ntchito akuphatikizidwa mu kaundula wa mabungwe ovomerezeka m'munda wa IT.² ndipo akugwiritsa ntchito kale zolimbikitsa zamisonkho, azitha kupeza ngongole yanyumba pazifukwa zabwino - mpaka 5%. 

Malinga ndi Mtsogoleri Wamkulu wa msika wa zachuma "Vyberu.ru" Grigory Burdenko, mkati mwa pulogalamuyo, kumapeto kwa 2024, akukonzekera kupereka ngongole zokwana 50 kwa ndalama zonse za ruble 000 biliyoni. Lamulo la Boma la Federation No. 240 la April 805, 30 limafotokoza zofunikira kwa obwereketsa, obwereketsa ndi malo ogulitsa nyumba, zikhalidwe zoperekera ngongole, komanso malamulo okhudzana ndi mabanki ndi wogwiritsa ntchito pulogalamuyi. , DOM.RF.

Zochititsa chidwi za Mortgage kwa Akatswiri a IT

Ngongole ya akatswiri a IT mu 2022 imapereka zopatsa zambiri zosangalatsa kwa omwe atenga nawo mbali. Tiyeni tikambirane zikuluzikulu.

Zofunikira zopezera ngongole kwa akatswiri a IT

Kuti muyenerere ngongole yotereyi, zinthu zina ziyenera kukwaniritsidwa. Mabanki ali ndi zofunikira kwa onse obwereka komanso malo ogulitsa.

Zofunikira za banki kwa obwereka

Zaka za wobwereketsa ndi zaka 22 mpaka 44 kuphatikiza. Ayenera kupeza ndalama m'miyezi itatu yapitayi asanachotse msonkho wa ndalama zake kuchokera ku ruble 150 ngati akukhala m'dera limene anthu ali ndi anthu oposa 1 miliyoni, komanso osachepera 100 rubles ngati akugwira ntchito zina za Federation. .

Ndikofunikira kuti wogwira ntchitoyo azigwira ntchito m'bungwe lovomerezeka ndi akuluakulu, lomwe lili m'kaundula yoyenera². Nthawi yomweyo, bungwe lolemba ntchito liyenera kukhala ndi antchito osachepera 7, komanso liyenera kukhala ndi OKVED 62.01, 62.02, 62.02.1, 62.02.4, 62.03.13, 62.09, 63.11.1.

Mutha kugwiritsa ntchito pulogalamu yobwereketsa nyumba kwa akatswiri a IT kamodzi kokha. Kuphatikiza apo, wophunzirayo sayenera kugwiritsa ntchito njira zina zothandizira zofananira - zokonda, banja, Kum'mawa kapena kumidzi yanyumba.

Mfundo yobisika pachigamulocho ndikuti palibe mndandanda wa maudindo kapena mbiri ya ogwira ntchito omwe ali oyenerera kugwiritsa ntchito pulogalamuyi. Mwachidziwitso, lero onse ogwira ntchito m'makampani ovomerezeka a IT, mosasamala kanthu za udindo wawo, ali ndi ufulu wobwereketsa. Pakalipano, boma limapereka kwa kamphindi cholinga chodula antchito omwe si apakati - izi ndizofunikira pa mlingo wochepa wa ndalama.

Zofunikira za banki pazogulitsa nyumba

Malinga ndi chigamulochi, mabanki atha kupereka ngongole zanyumba kwa akatswiri a IT pogula nyumba zomwe zakonzedwa kale komanso nyumba zomwe zikumangidwa m'mizinda yomwe ili ndi anthu opitilira miliyoni imodzi ndi 18 miliyoni m'mizinda yomwe ili ndi ndalama zambiri. chiwerengero cha anthu mpaka 9 miliyoni. Nthawi yobwereketsa kwambiri ndi zaka 1. Malipiro ocheperako ndi 30%.

Chifukwa chake, mothandizidwa ndi ngongole yobwereketsa kwa ogwira ntchito ku IT, mutha kugula nyumba pamsika woyambira kuchokera kwa wopangayo pansi pa mgwirizano wagawo kapena pansi pa mgwirizano wogulitsa ndi kugula. Pulogalamuyi ikugwira ntchito ku nyumba zamatawuni zatsopano komanso nyumba zapayekha. Ayeneranso kugulidwa kuchokera kwa wopanga. Pulogalamuyi sikugwira ntchito ku nyumba zachiwiri.

Mndandanda wamabanki omwe mungapezeko ngongole ya akatswiri a IT

Si mabungwe onse amabanki omwe amapereka ngongole zanyumba kwa akatswiri a IT. Nawu mndandanda wamabanki omwe amagwirizana ndi pulogalamuyi mu 2022:

Momwe mungapezere ngongole kwa akatswiri a IT

Aliyense amene akufuna kugula nyumba yatsopano ndikugwera pansi pagulu lamwayi ngati wogwira ntchito ku IT ayenera kutolera phukusi la zikalata ndikumaliza ntchitoyo. Tikukuuzani momwe mungachitire. 

Kusintha Zolemba

Nayi ma standard set: 

• pasipoti;
• SNILS;
• Thandizo la 2-NDFL;
• kuchokera m'buku la ntchito;
• kope la mgwirizano wa ntchito; 
• satifiketi ya bungwe kukhala m'kaundula wa makampani IT ovomerezeka ndi Unduna wa Digital Development;
• zikalata zaukwati ndi kubadwa kwa ana (ngati atafunsidwa ndi banki).

Ndondomeko ya sitepe ndi sitepe

1. Mu dipatimenti yowerengera ya bungwe lanu, muyenera kutenga kope la mgwirizano wa ntchito, buku la ntchito, chiphaso cha ndalama mu mawonekedwe a 2-NDFL.
2. Pamalo omwewo, muyenera kupempha satifiketi ya bungwe lomwe likukhala mu kaundula wa makampani a IT ndi kope lachidule kuchokera ku kaundula wa Ministry of Digital Development. Onetsetsani kuti mwawona kuti TIN ya bungwe lovomerezeka m'masatifiketi ndi zomwe zachokera ku registry zikufanana.
3. Ndi pasipoti ndipo, ngati alipo, zikalata zaukwati ndi kubadwa kwa ana, muyenera kupita ku banki yomwe mwasankha kuti mumalize malondawo. Nthawi zambiri zimakhala zopindulitsa kwambiri kugwiritsa ntchito komwe muli ndi ntchito yamalipiro.
4. Pankhani yomanga nyumba yanu pogwiritsa ntchito ngongole yobwereketsa, muyenera padera kupeza zofunika za banki kuti avomereze pulojekitiyo ndi kontrakitala yomanga.
5. Pambuyo pofufuza zikalata, nyumba kapena nyumba yomwe mukufuna kugula imasankhidwa.
6. Konzekerani kulembetsa kubwereketsa ndalama zoyambira zosachepera 15% za ndalama za mgwirizano - kuchokera ku ndalama zanu, ndalama za amayi oyembekezera kapena thandizo lazachuma kuchokera kudera kapena olemba anzawo ntchito.
7. Lembani mgwirizano ndikuwerenga mosamala. 

Upangiri waukatswiri kwa akatswiri a IT mukapeza ngongole

- Mosakayikira, mawu omwe amakonda kubwereketsa ndi okongola kwambiri kwa akatswiri a IT. Koma musanalembetse, ndi bwino kudzipenda momwe mungakwaniritsire ndalama zanu komanso mwayi wanu wachuma. Moyenera, osapitilira 40% ya ndalama zapabanja pamwezi zomwe zimayenera kukalipira ngongole, akuchenjeza. Dmitry Veselkov, Director of Mortgage Programs and Bank Lending ku Metrium.

Katswiriyo amalangizanso kutenga ngongole kubanki komwe mumalandira malipiro anu. Izi zidzathandiza kupewa kukonzekera phukusi lowonjezera la zolemba. 

Mafunso ndi mayankho otchuka

Dmitry Veselkov adayankha atolankhani a Healthy Food Near Me pa mafunso ofunikira okhudzana ndi ngongole zanyumba za akatswiri a IT.  

Magwero a

1. Lamulo la Boma la Federation No. 805 la Epulo 30, 2022. URL: http://static.government.ru/media/files/AwaQwrG8Tfk2uRUrMrXQYQzYsPB5vNr2.pdf 
2. Register ya mabungwe ovomerezeka omwe akugwira ntchito m'munda waukadaulo wazidziwitso. URL: https://digital.gov.ru/opendata/7710474375-registergosaccred/table/