Mokoloto o ikhethileng bakeng sa litsebi tsa IT ka 2022

Ka Mots'eanong 2022, mmuso o ile oa phatlalatsa mehato e mecha ea ts'ehetso bakeng sa litsebi tsa IT mme ea qala lenaneo le ikhethileng la kabo ea matlo. Litsebi lefapheng la theknoloji ea tlhahisoleseding li tla khona ho li sebelisa, tekanyo ea mokoloto e tla ba 5%.

Healthy Food Near Me, mmoho le setsebi, ba re bolella hore na mokoloto oa ntlo o khethehileng ke ofe oa litsebi tsa IT ka 2022 le hore na o ka o fumana joang.

Taelo ea 'Muso mabapi le Mekoloto ea Matlo bakeng sa Litsebi tsa IT

From the Decree of the Government of the Federation No. 805 of April 30, 2022¹ re ka fihlela qeto ea hore mosebetsi oa ho khetha mekoloto ea matlo a IT ke ho fa basebetsi sebakeng sena maemo a boiketlo a bophelo. Litsebi tsa IT li ile tsa qala ho nahana haholo ka monyetla oa ho falla ka lebaka la likotlo, 'me mekoloto ea thepa e khethehileng e lokela ho ba thusa ho ba boloka naheng ea Rona. Ho ea ka lipehelo tsa qeto, litsebi tseo bahiri ba tsona ba kenyellelitsoeng ho ngoliso ea mekhatlo e ngolisitsoeng ka molao lefapheng la IT.² 'me ba se ba ntse ba sebelisa likhothatso tsa lekhetho, ba tla khona ho fumana mokoloto oa ntlo ka lipehelo tse ntle - ho fihla ho 5%. 

Ho latela Motsamaisi Kakaretso oa 'maraka oa lichelete "Vyberu.ru" Grigory 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.

Lintlha tse khahlisang tsa Mortgage bakeng sa Litsebi tsa IT

Mortgage bakeng sa litsebi tsa IT ka 2022 e fana ka limpho tse ngata tse khahlisang ho barupeluoa ba eona. Ha re bue ka tse kholo.

Maemo a ho fumana mokoloto bakeng sa litsebi tsa IT

E le hore u tšoanelehe bakeng sa kalimo e joalo, maemo a itseng a tlameha ho finyelloa. Libanka li na le litlhoko bakeng sa ba alimang le ba matlo le meaho.

Litlhoko tsa banka ho ba alimang

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.

Ho bohlokoa hore mosebeletsi a sebetse mokhatlong o ngolisitsoeng ka molao ke ba boholong, o kenyellelitsoeng bukeng e amehang². Ka nako e ts'oanang, mokhatlo o hiriloeng o tlameha ho ba le bonyane basebetsi ba 7, hape o tlameha ho ba le OKVED 62.01, 62.02, 62.02.1, 62.02.4, 62.03.13, 62.09, 63.11.1.

U ka sebelisa lenaneo le khethehileng la mokoloto bakeng sa litsebi tsa IT hang feela. Ho phaella moo, morupeluoa oa eona ha aa lokela ho sebelisa mehato e meng e ts'oanang ea ts'ehetso - mekhoa ea ho khetha, ea lelapa, ea Bochabela bo Hōle kapa ea mahaeng.

Taba e poteletseng qetong ke ho ba sieo ha lethathamo la maemo kapa litlaleho tsa basebetsi ba tšoanelehang ho sebelisa lenaneo. Ka khopolo, kajeno basebetsi bohle ba lik'hamphani tse ngolisitsoeng ka molao tsa IT, ho sa tsotelehe maemo a bona, ba na le tokelo ea ho fumana likalimo tse khethehileng. Ho sa le joalo, mmuso o fana ka nakoana e reretsoeng ho khaola basebetsi bao e seng basebetsi - sena ke tlhokahalo bakeng sa boemo ba bonyane ba chelete.

Litlhoko tsa banka bakeng sa thekiso ea matlo

Ho ea ka qeto, libanka li ka fana ka mekoloto e khethehileng ho litsebi tsa IT bakeng sa ho reka thepa e seng e entsoe le ea matlo a ntseng a hahuoa ka har'a moeli oa li-ruble tse limilione tse 18 metseng e nang le baahi ba fetang milione le 9 li-ruble metseng e nang le palo ea batho ba ka bang limilione tse 1. Nako e phahameng ea kalimo ke lilemo tse 30. Tefo e fokolang ke 15%.

Kahoo, ka thuso ea mokoloto o khethehileng bakeng sa basebetsi ba IT, o ka reka folete 'marakeng oa mantlha ho tsoa ho nts'etsopele tlas'a tumellano ea kabelo kapa tlas'a tumellano ea thekiso le theko. Lenaneo le sebetsa ho litoropo tse ncha le matlong a batho ka bomong. Li boetse li hloka ho rekoa ho moqapi. Lenaneo ha le sebetse malapeng a bobeli.

Lethathamo la libanka moo u ka fumanang mokoloto oa ntlo bakeng sa litsebi tsa IT

Ha se mekhatlo eohle ea libanka e fanang ka mekoloto ea matlo bakeng sa litsebi tsa IT. Mona ke lenane la libanka tse sebelisanang le lenaneo ka 2022:

Mokhoa oa ho fumana mokoloto bakeng sa litsebi tsa IT

Mang kapa mang ea batlang ho reka ntlo e ncha 'me a oela tlas'a sehlopha se nang le tokelo e le mosebeletsi oa IT o hloka ho bokella sephutheloana sa litokomane le ho tlatsa selekane. Re u bolella mokhoa oa ho e etsa. 

Litokomane Editing

Mona ke sete e tloaelehileng: 

• phasepoto;
• SNILS;
• Thuso 2-NDFL;
• ho tsoa bukeng ea mosebetsi;
• kopi ea konteraka ea mosebetsi; 
• setifikeiti sa mokhatlo o ngolisoang ke likhamphani tsa IT tse ngolisitsoeng ka molao ke Lekala la Nts'etsopele ea Digital;
• setifikeiti sa lenyalo le tsoalo ea bana (haeba e kōptjoa ke banka).

Tataiso ea mohato ka mohato

1. Lefapheng la likarabello la mokhatlo oa hau, o hloka ho nka kopi ea konteraka ea mosebetsi, kopi ea buka ea mosebetsi, setifikeiti sa chelete ka mokhoa oa 2-NDFL.
2. Sebakeng se le seng, o hloka ho kopa setifikeiti sa mokhatlo o ngolisoang ke lik'hamphani tsa IT le kopi ea tlhahiso e tsoang ho ngoliso ea Lekala la Nts'etsopele ea Digital. Etsa bonnete ba hore o hlahloba hore na TIN ea mokhatlo oa molao litifikeiting le qotsulo ho tsoa ho ngoliso li tsamaellana.
3. Ka pasepoto mme, haeba e le teng, mangolo a lenyalo le tsoalo ea bana, o hloka ho ea bankeng eo ue khethileng ho tlatsa khoebo. Hangata ho molemo haholo ho etsa kopo moo o nang le morero oa moputso.
4. Tabeng ea ho aha ntlo ea hau u sebelisa mokoloto oa mokoloto, o hloka ho fumana ka thoko litlhoko tsa banka bakeng sa tumello ea morero le mokonteraka oa kaho.
5. Kamora ho hlahloba litokomane, ho khethoa folete kapa ntlo eo u batlang ho e reka.
6. Itokisetse ho ngolisoa ha mokoloto tefo ea pele ea bonyane 15% ea chelete ea konteraka - ho tsoa licheleteng tsa hau, chelete ea pelehi kapa thuso ea lichelete ho tsoa sebakeng kapa mohiri.
7. Etsa konteraka 'me u e bale ka hloko. 

Keletso ea litsebi bakeng sa litsebi tsa IT ha u fumana mokoloto oa ntlo

- Ha ho pelaelo hore, mantsoe a khethehileng a mokoloto a khahla haholo ho litsebi tsa IT. Empa pele o etsa kopo, ho bohlokoa ho itlhahloba ka bouena le menyetla ea hau ea lichelete. Ka nepo, ha ho na chelete e fetang 40% ea chelete ea khoeli le khoeli ea lelapa e lokelang ho ea lefa sekoloto sa ntlo, oa lemosa. Dmitry Veselkov, Mookameli oa Mananeo a Mokoloto oa Mokoloto le Kalimo ea Banka ho Metrium.

Setsebi se boetse se eletsa ho nka kalimo bankeng moo o fumanang moputso oa hau. Sena se tla thusa ho qoba ho lokisoa ha sephutheloana se eketsehileng sa litokomane. 

Lipotso le likarabo tse tsebahalang

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

Mehloli ea

1. Decree of the Government of the Federation No. 805 of April 30, 2022. URL: http://static.government.ru/media/files/AwaQwrG8Tfk2uRUrMrXQYQzYsPB5vNr2.pdf 
2. Ngoliso ea mekhatlo e ngolisitsoeng ka molao e sebetsang lefapheng la theknoloji ea tlhahisoleseling. URL: https://digital.gov.ru/opendata/7710474375-registergosaccred/table/