Mortgage ɗin da aka fi so don ƙwararrun IT a cikin 2022

A cikin Mayu 2022, gwamnati ta ba da sanarwar sabbin matakan tallafi ga ƙwararrun IT kuma ta ƙaddamar da shirin jinginar gida na fifiko. Masu sana'a a fannin fasahar sadarwa za su iya yin amfani da shi, ƙimar jinginar gida zai zama 5%.

Lafiyayyan Abinci Kusa da Ni, tare da kwararre, sun faɗi abin da fifikon jinginar gida ga ƙwararrun IT a cikin 2022 da yadda ake samunsa.

Dokar Gwamnati game da jinginar gidaje ga ƙwararrun IT

Daga Dokar Gwamnatin Tarayya mai lamba 805 na Afrilu 30, 2022¹ za mu iya ƙarasa da cewa aikin fifikon jinginar gida na IT shine samar da ma'aikata a wannan yanki da yanayin rayuwa mai daɗi. Kwararrun IT sun fara yin la'akari da yuwuwar ƙaura saboda takunkumi, kuma jinginar da aka fi so ya kamata ya taimaka a kiyaye su a cikin ƙasarmu. Dangane da sharuɗɗan ƙudurin, ƙwararrun ƙwararrun ma'aikata waɗanda ke cikin rajistar ƙungiyoyin da aka amince da su a fagen IT.² kuma sun riga sun yi amfani da abubuwan ƙarfafa haraji, za su iya samun lamuni na jinginar gida akan sharuɗɗan da suka dace - har zuwa 5%. 

Bisa lafazin Babban Darakta na kasuwar hada-hadar kudi "Vyberu.ru" Grigory Burdenko, a cikin tsarin shirin, a ƙarshen 2024, an tsara shi don ba da lamuni har zuwa 50 don jimlar adadin 000 biliyan rubles. Dokar Gwamnatin Tarayya mai lamba 240 mai kwanan watan Afrilu 805, 30 ta bayyana abubuwan da ake buƙata don masu ba da bashi, masu ba da bashi da dukiya, yanayin bayar da jinginar gida, da kuma ka'idojin hulɗar bankuna tare da ma'aikacin shirin. , DOM.RF.

Abubuwan Ban sha'awa game da jinginar gida ga ƙwararrun IT

Lamuni don ƙwararrun IT a cikin 2022 yana ba da tayin ban sha'awa da yawa ga mahalartansa. Bari mu yi magana game da manyan.

Sharuɗɗa don samun jinginar gida don ƙwararrun IT

Domin samun cancantar samun irin wannan lamuni, dole ne a cika wasu sharudda. Bankunan suna da buƙatu don masu ba da bashi da dukiya.

Bukatun banki don masu karbar bashi

Shekarun mai karbar bashi daga shekaru 22 zuwa 44 sun hada da. Dole ne ya samu a cikin watanni uku da suka gabata kafin cire harajin shiga na sirri daga 150 dubu rubles idan yana zaune a cikin yankin da yawan jama'a ya fi mutane miliyan 1, kuma ba kasa da 100 dubu rubles ba idan ya yi aiki a wasu batutuwa na Tarayya. .

Yana da mahimmanci cewa ma'aikaci yana aiki a cikin ƙungiyar da hukumomi suka amince da su, wanda aka haɗa a cikin rajistar da ya dace². A lokaci guda kuma, ƙungiyar ma'aikata dole ne ta sami ma'aikata aƙalla 7, kuma dole ne ta sami OKVED 62.01, 62.02, 62.02.1, 62.02.4, 62.03.13, 62.09, 63.11.1.

Kuna iya amfani da shirin jinginar gida na fifiko don ƙwararrun IT sau ɗaya kawai. Bugu da ƙari, kada ɗan takararsa ya yi amfani da wasu matakan tallafi makamancin haka - na fifiko, dangi, Gabas mai Nisa ko jinginar gidaje na karkara.

Batun dabara a cikin ƙuduri shine rashin jerin mukamai ko bayanan martaba na ma'aikatan da suka cancanci amfani da shirin. A ka'ida, a yau duk ma'aikatan kamfanonin IT da aka amince da su, ba tare da la'akari da matsayinsu ba, suna da damar samun lamuni na fifiko. A halin yanzu, jihar tana ba da ɗan lokaci da nufin yanke ma'aikatan da ba na asali ba - wannan buƙatu ne don ƙaramin matakin samun kudin shiga.

Bukatun banki don dukiya

Bisa ga ƙuduri, bankuna za su iya ba da jinginar gidaje ga ƙwararrun IT duka don siyan shirye-shiryen da kuma gidaje da ake ginawa a cikin iyakar 18 miliyan rubles a cikin biranen da ke da fiye da miliyan ɗaya da miliyan 9 rubles a cikin biranen da yawan jama'a har zuwa mutane miliyan 1. Matsakaicin lokacin lamuni shine shekaru 30. Mafi ƙarancin biyan kuɗi shine 15%.

Don haka, tare da taimakon jinginar da aka fi so ga ma'aikatan IT, zaku iya siyan gida a kan kasuwar farko daga masu haɓakawa a ƙarƙashin yarjejeniyar rabo ko ƙarƙashin yarjejeniyar siyarwa da siyayya. Shirin ya shafi sabbin gidaje na gari da na kowane mutum. Hakanan ana buƙatar siyan su daga mai haɓakawa. Shirin bai shafi gidaje na biyu ba.

Jerin bankunan da za ku iya samun jinginar gida don ƙwararrun IT

Ba duk ƙungiyoyin banki ne ke ba da jinginar gidaje ga ƙwararrun IT ba. Ga jerin bankunan da ke ba da haɗin kai da shirin a cikin 2022:

Yadda ake samun jinginar gida ga ƙwararrun IT

Duk wanda yake son siyan sabon gida kuma ya faɗi ƙarƙashin rukunin gata a matsayin ma'aikacin IT yana buƙatar tattara fakitin takardu kuma ya kammala yarjejeniyar. Mun gaya muku yadda za ku yi. 

Gyara Takardu

Ga daidaitattun saiti: 

• fasfo;
• SNILS;
• Taimako 2-NDFL;
• cire daga littafin aikin;
• kwafin kwangilar aiki; 
• takardar shaidar ƙungiyar da ke cikin rajistar kamfanonin IT da Ma'aikatar Ci gaban Digital ta amince da su;
• aure da takaddun haihuwa na yara (idan banki ya nema).

Mataki zuwa mataki jagora

1. A cikin sashen lissafin kuɗi na ƙungiyar ku, kuna buƙatar ɗaukar kwafin kwangilar aiki, kwafin littafin aikin, takardar shaidar samun kuɗi a cikin nau'in 2-NDFL.
2. A daidai wannan wuri, kuna buƙatar buƙatar takaddun shaida na ƙungiyar da ke cikin rajista na kamfanonin IT da kwafin abin da aka cire daga rajista na Ma'aikatar Ci gaban Digital. Tabbatar duba cewa TIN na mahaɗan doka a cikin takaddun shaida da abin da aka cire daga wasan rajista.
3. Tare da fasfo kuma, idan akwai, takaddun aure da haihuwar yara, kuna buƙatar zuwa bankin da kuka zaɓa don kammala ma'amala. Yawancin lokaci ya fi riba don amfani a inda kuke da aikin albashi.
4. A cikin yanayin gina gidan ku ta amfani da lamunin lamuni, kuna buƙatar gano buƙatun bankin daban don amincewa da aikin da ɗan kwangilar gini.
5. Bayan duba takardun, an zaɓi ɗakin ko gidan da kake son siya.
6. Shirya don rajistar jinginar kuɗin farko na aƙalla 15% na adadin kwangilar - daga kuɗin ku, babban birnin haihuwa ko taimakon kuɗi daga yanki ko ma'aikata.
7. Zana kwangila kuma karanta shi a hankali. 

Shawarar ƙwararru ga ƙwararrun IT lokacin samun jinginar gida

- Babu shakka, sharuɗɗan jinginar gida na fifiko suna da kyau sosai ga ƙwararrun IT. Amma kafin a yi amfani, yana da daraja auna ƙarfin ku da kuma tsammanin ku na kuɗi. Mahimmanci, bai kamata fiye da kashi 40 na kuɗin shiga iyali na wata-wata ya kamata a je don biyan jinginar gida ba, in ji gargaɗi. Dmitry Veselkov, Daraktan Shirye-shiryen Bayar da Lamuni da Ba da Lamuni na Banki a Metrium.

Kwararren ya kuma ba da shawarar karbar lamuni daga bankin da kake karbar albashi. Wannan zai taimaka kauce wa shirye-shiryen ƙarin kunshin takardu. 

Shahararrun tambayoyi da amsoshi

Dmitry Veselkov Amsa Lafiyar Abinci Kusa da Ni 'yan jarida akan muhimman tambayoyi game da jinginar da aka fi so ga ƙwararrun IT.  

Tushen

1. Dokar Gwamnatin Tarayya mai lamba 805 na Afrilu 30, 2022. URL: http://static.government.ru/media/files/AwaQwrG8Tfk2uRUrMrXQYQzYsPB5vNr2.pdf 
2. Rajista na ƙungiyoyin da aka amince da su da ke aiki a fagen fasahar bayanai. URL: https://digital.gov.ru/opendata/7710474375-registergosacred/table/