Investment iikhredithi zerhafu - is ...

Okwangoku, akukho nto phantse akukho mibutho ukuba usebenzise wayeza kumsebenzi wabo imali waboleka ngenxa yotshintsho imveliso, nizalise zokuqhuba kunye nezinto ekrwada. Iimali-mboleko ngokuqhelekileyo zenziwe kumaziko zebhanki zonke iintlobo. Noko ke, kukho uhlobo ekhethekileyo ngokwenene-mboleko, encediswa apho kunokwenzeka khona ukuba ukusombulula ingxaki yokunqongophala kwemali. Sithetha lo mkhuba iikhredithi zerhafu mali. Bona run ngurhulumente. Kuyimfuneko ukuba uqonde ukuba yintoni na.

iimpawu ngokubanzi

Ngokungqinelana ne-Code Tax, yamkelwa eRashiya, i-credit irhafu investment - it-mboleko, kunye uhlobo lwentlawulo kuhlehliselwe. Bona aluboneleli irisithi kanye mali yombutho, kodwa ayile kuphela ukukwazi ukuhlawula irhafu kurhulumente ubukhulu ezincinane kakhulu. iimeko Ukuboleka kaninzi yaphinda iimeko apho yemalimboleko zikhutshwa ngamaziko ahlukeneyo ngetyala, ezizezi, iibhanki kunye nee-arhente stock. Oku isivumelwano yimeko isakhiwo.

Njengoko imali-mboleko yebhanki eqhelekileyo, iikhredithi zerhafu mali kuthetha ukuba kukho ixesha elithile le mboleko, kanti uya kuhlawuliswa inzala, badla ke ezincinane kakhulu, kwakunye nemihla buyiselo. Ukongeza, isivumelwano umiselwa uxanduva kwipropati ngenxa yokungahlawuli kwaye ibonelela ngesiqinisekiso sokuba izibophelelo zabo ziya kuzalisekiswa ngamaqela omabini.

iimpawu

Lidla amatyala irhafu ziyabonwa nje kuphela iinkampani ezinkulu-ertyisi, kodwa kumashishini ngamashishini akhutshelwe ukuba kufuneka inkxaso ekusombululeni iingxaki iintlawulo mali. Nakuba kunjalo, utyalo-mali iikhredithi zerhafu - into leyo ifumaneka kuphela ukuya amaqumrhu asemthethweni. Olu phawu kwi siseko impahla kreditozaemschika butyala ogwetyelweyo otyalwayo. Lo mbutho unakho ukurhoxisa yonke impahla mortgaged, nokuba ngaphandle isigwebo. Kwaye yalele ummi eziqhelekileyo impahla yakhe phantse akunakwenzeka kwimeko efanayo. I-Code Civil ichazwe ngokucacileyo amanqaku ngokukhuselwa kwipropati yabucala, ingakumbi xa kukho imfuneko ukuze yokuhlala isigxina.

injongo loan

Olu tyalo-credit yerhafu linganikezelwa umbutho, umzekelo, ukuba ahlawule irhafu yengeniso. Ukuba lokwaphula imiqathango intlawulo yayo lombuso ababekwenza ezininzi ukwayo, izohlwayo kunye nezohlwayo. Kungenxa yoko le nto ukuze kukuphepha ukuhlawula kuNondyebo isixa esikhulu mali efunekayo ukuba akayi kungqubana imiqathango ukuhlawula irhafu. iikhredithi zerhafu Investment ingasetyenziswa ngendlela uluhlu olude enjalo kweenjongo, nto leyo wanyamekela karhulumente. Kunye irhafu iingeniso wenza mboleko ukuba iintlawulo mali kumasebe nasekhaya.

ukusebenza

iikhredithi zerhafu Investment, kwakunye nezinye iintlobo liboleke abanye babe indlela yabo ethile inyathelo apho umbutho njengoko kukhankanyiwe ngasentla, ungawuhlisa intlawulo kwithuba elidlulileyo. Ubuhlobo yesivumelwano phakathi kwamaqela ziza kugqitywa xa imali yerhafu ezingekahlawulwa luya kukhutshwa kwinqanaba elifanayo kunye nemali mboleko. Olo kwesivumelwano ikhangeleka imvume karhulumente naliphi na ityala. Umbutho akanalo ilungelo lokuba ukunciphisa iintlawulo ngokungenammiselo. Urhulumente umise umda we-50% yemali iyonke serhafu ehlawuleka phantsi kweemeko eziqhelekileyo. iikhredithi zerhafu Investment ukulungiselela ixesha eliqingqiweyo, zemveli zilungele zonke ezinye iimali-mboleko. Kwaye apha sithetha ezininzi iimveliso zebhanki. I-credit yerhafu investment sivunyiwe okwethuba leminyaka 1-5. Ngokuqhelekileyo eli xesha kwanele ukusombulula iingxaki zemali zalo mbutho.

ikakhulu

Investment credit tax elinokunikwa nawuphi na umbutho, ngoxa kukho iimeko xa inkampani eyamkela ixesha elithile okanye ilahleko kufuneka ahlawule irhafu ngaphantsi kunoko bekulindelwe. Kulo mzekelo, a-ebizwa ngokuba credit kwemfuneko. Esuka kuloo ndawo ilula kakhulu ukungena - yonke imali ufuna ukudlulisela ukuya kwixesha elilandelayo.

Ngaphandle kwento yokuba ityala irhafu utyalo kunikezelwa kangangethuba leminyaka 1-5, lonke eli xesha, abasemagunyeni irhafu kunokuba Nigcina umbutho elawulwa onikele ngayo. Kufuneka akalungisa kuphela isizathu esibambekayo kakhulu imfuneko sokuncitshiswa kwindawo mali kweentlawulo irhafu, kodwa kwakhona ukunika lonke-mboleko iingxelo ezineenkcukacha ekuphunyezweni kwemisebenzi zemali. Ukongeza, lo mbutho uya rhoqo khangela irhafu, ezingakumbi kunesiqhelo. Oku kakhulu zendalo, ngenxa yokuba urhulumente ejoliswe ulawulo olungqongqo zenkcitho ukusuka mali.

Le ubuqili inkqubo

I-credit yerhafu yotyalo lithuba elihle lokuba berhafu ngexesha elisikelweyo ukunciphisa iintlawulo zabo zerhafu ukusa kumkhamo othile, kwixesha elizayo ngokwamanqanaba ukwenza iintlawulo kuphela mboleko kodwa nenzala efumanekileyo kuyo. Olu hlobo mboleko ekhoyo irhafu yengeniso, kwakunye ezinye nakwingingqi.

Olu tyalo-credit lwerhafu kunikwa imibutho irhafu yengeniso. Kulo mzekelo, umbutho, nakukufumana oko, banelungelo ukunciphisa iintlawulo zabo zerhafu ngexesha lesivumelwano. Ukwehla ziya kuveliswa ukulungiselela irhafu olungqamelanayo kwi intlawulo nganye. Yenza oku logama nje le mali ayihlawulwanga yinkampani ngenxa zokunciphisa ezinjalo, oko ilingana isixa-mboleko, nto leyo elinikwe phantsi yesivumelwano. Xa xwebhu unika yonke imiba enxulumene umyalelo ethile lokuncitshiswa iintlawulo zerhafu.

izivumelwano ezininzi

Ukuba inkampani izivumelwano eziliqela kwagqitywa ukuba ixesha mboleko ohambelana lokuba semthethweni ngexesha intlawulo elandelayo alukhange lixesha, ngamnye kubo, isixa ezingasetyenziswanga-mboleko iya kumiselwa ngokwahlukileyo. Ukwanda kule meko yenziwa ukuze, ukuqalela isivumelwano, leyo wawongwa iseti yokuqala imida emva kokuba imali kwi xwebhu kwi mbutho uya kuba nako ukwandisa imali aqokelelwe ndawonye bekayo ukunyuka isivumelwano elandelayo.

Ngaphandle kwento yokuba ityala irhafu utyalo-mali olunikwa irhafu yengeniso, isixa ayikwazi ngaphezu kwesiqingatha kwesixa-mali sisonke serhafu. Ukuba imali eyongiweyo kwi-mboleko ligqithe-50%, umahluko phakathi kwesixa-mali ezifunyenweyo avumelekile ubuninzi zidluliselwe kwixesha elilandelayo ye ukuyilwa kweengxelo. Kwimeko ukuba umntu othile wokunika ingxelo, lo mbutho uye waba ilahleko ngenxa yemisebenzi, lo gama i-mali surplus emfono zidluliselwe kwixesha elilandelayo, kodwa kwangaxeshanye uyayiqonda isixa emfono ngetyala kwixesha lokunika ingxelo yokuqala.

Ngubani na?

Ngokungqinelana neSiqendu 67 loMthetho weRhafu Code irhafu investment lekhredithi kunikwa ukuba inkampani luyaziphumelela iimfuno ezithile:

- Lo mbutho ukwenza uphando, izinto zophuhliso okanye zobugcisa re-izixhobo imveliso yalo, kuquka ezo ejolise ukuyilwa emisebenzi kubantu abakhubazekileyo, kwakunye ukukhusela okusingqongileyo evela kungcoliseko kunye kwenkunkuma mveliso. Kule meko, iikhredithi zerhafu mali ziyafumaneka ukuba imali-30% yeendleko kwezixhobo ethengelwe zonke ezi njongo.

- Kuba imibutho ukuba ezintsha okanye ezintsha imisebenzi, kubandakanywa benza zokudalwa omtsha okanye ukuphuculwa ubugcisa izicelo, ukudalwa iintlobo ezintsha izinto okanye izinto ekrwada. Kulo mzekelo, iikhredithi zerhafu utyalo-mali kwi-mali-thethwana umbutho kunye nomzimba ogunyazisiweyo.

- Kuba imibutho bekwi ukuphunyezwa kwemiyalelo kuphuhliso lwentlalo noqoqosho ebaluleke ngokukodwa, kwakunye nokubonelela ngeenkonzo ezibalulekileyo kakhulu umphakathi. Kulo mzekelo, imali-mboleko uza kumiselwa iziphumo yesivumelwano CCMA.

Igatya zezivumelwano

Isivumelwano okanye isivumelwano semali-mboleko kufuneka siqulathe ezi zinto zilandelayo:

- oda, ngokulandelelanayo, nto leyo eya iintlawulo zerhafu kuncipha;

- imali-mboleko;

- ithuba lokuba semthethweni;

- ebonisa irhafu, nto leyo iya kunikwa kwi-mboleko echazwe;

- isixa umdla eziya efunyenwe kwimali-mboleko;

- umyalelo buyiselo;

- nabutyala amaqela.

amaxwebhu anxulumene

iikhredithi zerhafu Investment asiyi kunikwa ukuba ukuba akhuphe mortgage ngokwesivumelwano kwipropati okanye ngummeli wowona. Kule uxhulumaniso kuyimfuneko ukuba isicelo amaxwebhu contract kwipropati, nto leyo eya kuba ngumba isibambiso kuye. Ukongeza, isivumelwano kufuneka ukhankanye imiqathango ukunqanda izenzo zakhe ngexesha transfer ekuthinjweni okanye ukuthengiswa izixhobo okanye ezinye kwipropati, ukuba ekufunyanweni yenye amanqaku ukunika umbutho ochazwe yi-mboleko.

iziphumo

Ngokunxulumene abasemagunyeni irhafu asekuhlaleni okanye zommandla ukuseta iimeko zabo ukuze yokubonelela ngetyala irhafu investment. Xa lo mthetho kuvumelekile ukuba iimeko zabo ukuze ukusamkela mboleko kunye nezizathu oku, kwakunye Ukutshintsha ixesha avumelekile ukuba mboleko.