Preferential mortgage yeIT nyanzvi muna 2022

Muna Chivabvu 2022, hurumende yakazivisa matanho matsva ekutsigira vashandi veIT uye yakatanga chirongwa chekuda kukwereta. Nyanzvi mumunda wekombikinoroji yeruzivo ichakwanisa kutora mukana wayo, chiyero chechikwereti chichava 5%.

Hutano Chikafu Pedyo Nendiri, pamwe chete nenyanzvi, inotaurira kuti chii chakasarudzika chikwereti chenyanzvi dzeIT muna 2022 uye nzira yekuiwana.

Chirevo cheHurumende pamusoro peMortgages kune IT Professionals

Kubva paChirevo cheHurumende yeFederation Nhamba 805 yaKubvumbi 30, 2022¹ tinogona kugumisa kuti basa rezvakanakira IT mortgages nderekupa vashandi munzvimbo ino mamiriro ekugara akasununguka. Nyanzvi dzeIT dzakatanga kufunga zvakanyanya mukana wekuenda kune imwe nyika nekuda kwezvirango, uye zvikwereti zvemhando yepamusoro zvinofanirwa kubatsira kuvachengeta muNyika Yedu. Zvinoenderana nezvirevo zvechigadziriso, nyanzvi dzine vashandirwi vanosanganisirwa murejista yemasangano anotenderwa mumunda weIT.² uye vari kutoshandisa mitero yekukurudzira, vachakwanisa kuwana chikwereti chekubhadhara mari pamashoko akanaka - kusvika ku5%. 

Maererano ne General Director wemusika wemari "Vyberu.ru" Grigory Burdenko, mukati mehurongwa hwepurogiramu, pakupera kwe2024, inorongwa kubudisa kusvika ku50 zvikwereti zvehuwandu hwemazana emabhiriyoni emadhora. Chirevo cheHurumende yeFederation No. 000 yaApril 240, 805 inotsanangura zvinodiwa kune vanokwereta, vanokweretesa uye real estate, mamiriro ekupa chikwereti, pamwe chete nemitemo yekubatana kwemabhangi nemushandisi wepurogiramu. , DOM.RF.

Inonakidza Mortgage Chokwadi cheIT Professionals

Mortgage yeIT nyanzvi muna 2022 inopa zvakawanda zvinonakidza zvinopihwa kune vatori vechikamu. Ngatitaure pamusoro pezvikuru.

Mamiriro ekuwana mari yekukwereta kune IT-nyanzvi

Kuti uwane chikwereti chakadaro, mamwe mamiriro ezvinhu anofanira kuzadzikiswa. Mabhangi ane zvinodiwa kune vese vanokwereta uye real estate.

Bank zvinodiwa kune vanokwereta

Zera remukwereti rinobva pamakore 22 kusvika ku44 zvichisanganisirwa. Anofanira kuwana mumwedzi mitatu yapfuura asati abvisa mutero wemari yake kubva ku150 zviuru zveRubles kana achigara munharaunda ine vanhu vanopfuura mamiriyoni e1, uye kwete pasi pe100 zviuru zveRubles kana akashanda mune imwe nyaya yeFederation. .

Zvakakosha kuti mushandi ashande musangano rinotenderwa nevane masimba, rinosanganisirwa murejista yakakodzera². Panguva imwecheteyo, sangano rinoshandisa rinofanira kunge riine vashandi vanosvika manomwe, uye rinofanirawo kuva neOKVED 7, 62.01, 62.02, 62.02.1, 62.02.4, 62.03.13, 62.09.

Iwe unogona kushandisa yakasarudzika mortgage chirongwa cheIT nyanzvi kamwe chete. Pamusoro pezvo, mutori wechikamu haafanire kushandisa mamwe matanho ekutsigira akafanana - anofarira, mhuri, Kure Eastern kana zvikwereti zvekumaruwa.

Chinhu chisingaoneki mukugadzirisa ndechekusavapo kwerondedzero yezvinzvimbo kana profiles yevashandi vanokodzera kushandisa chirongwa. Nechepfungwa, nhasi vese vashandi veakatenderwa IT makambani, zvisinei nechinzvimbo chavo, vane kodzero yekuda zvikwereti. Zvichakadaro, nyika inopa kwechinguva yakanangana nekucheka vashandi vasiri-musimboti - izvi zvinodikanwa kune chiyero chemari shoma.

Bank zvinodiwa kuti real estate

Zvinoenderana nechisungo, mabhanga anogona kupa zvikwereti zvemba kune nyanzvi dzeIT zvese zvekutenga zvakagadzirirwa uye zvedzimba dziri kuvakwa mukati meiyo 18 miriyoni rubles mumaguta ane vanhu vanopfuura miriyoni imwe uye 9 miriyoni rubles mumaguta ane huwandu hwevanhu vanosvika miriyoni imwe. Nguva yekukwereta yakanyanya makore makumi matatu. Iko mari shoma yekubhadhara i1%.

Nekudaro, nerubatsiro rwechinodiwa remba yevashandi veIT, unogona kutenga imba pamusika wekutanga kubva kumugadziri pasi pechibvumirano chekugovana kana pasi pechibvumirano chekutengesa nekutenga. Chirongwa ichi chinoshanda kumataundi matsva uye dzimba dzega. Vanodawo kutengwa kubva kumugadziri. Iyo purogiramu haishande kune yechipiri dzimba.

Rondedzero yemabhangi kwaunogona kuwana remba kune IT nyanzvi

Haasi ese masangano emabhanga anopa zvikwereti zvemba kune nyanzvi dzeIT. Heino rondedzero yemabhangi anoshanda nechirongwa ichi muna 2022:

Nzira yekuwana sei mari yekubhadhara kune IT nyanzvi

Chero ani zvake anoda kutenga imba nyowani uye anowira pasi pechikamu chakasarudzika semushandi weIT anofanirwa kutora pasuru yemagwaro uye kupedzisa dhiri. Tinokuudza kuti ungazviita sei. 

Zvinyorwa Kugadzirisa

Heino standard set: 

• pasipoti;
• SNILS;
• Batsira 2-NDFL;
• kubva mubhuku rebasa;
• kopi yechibvumirano chebasa; 
• chitupa chesangano chiri murejista yemakambani eIT anotenderwa neBazi reDigital Development;
• zvitupa zvemuchato uye zvekuzvarwa zvevana (kana zvakumbirwa nebhangi).

Nhanho nedanho gwara

1. Mubazi re accounting resangano rako, unofanirwa kutora kopi yekondirakiti yebasa, kopi yebhuku rebasa, chitupa chemari muchimiro che2-NDFL.
2. Munzvimbo imwe chete, iwe unofanirwa kukumbira chitupa chesangano chiri murejista yemakambani eIT uye kopi yechinyorwa kubva kurejista yeBazi reDigital Development. Iva nechokwadi chekutarisa kuti TIN yesangano repamutemo mune zvitupa uye yakatorwa kubva kurejista inowirirana.
3. Nepasipoti uye, kana iripo, zvitupa zvekuroora uye kuberekwa kwevana, unofanirwa kuenda kubhangi rawakasarudza kuti upedze kutengeserana. Zvinowanzoita pundutso kunyorera kwaunenge uine muhoro purojekiti.
4. Panyaya yekuvaka imba yako uchishandisa chikwereti chechikwereti, iwe unofanirwa kutsvaga zvakasiyana zvinodiwa nebhangi rekubvumidzwa kweprojekiti uye mugadziri wekuvaka.
5. Mushure mekutarisa magwaro, imba kana imba yaunoda kutenga inosarudzwa.
6. Gadzirira kunyoreswa kwemondgage mubhadharo wekutanga weinenge 15% yemari yekontrakiti - kubva pamari yako, mari yekuzvara kana rubatsiro rwemari kubva mudunhu kana mushandirwi.
7. Nyora kondirakiti woiverenga nokungwarira. 

Zano rehunyanzvi kune IT-nyanzvi kana uchiwana remba

- Pasina kupokana, yakasarudzika mazwi embavha anoyevedza kwazvo kune IT-nyanzvi. Asi usati wanyorera, zvakakosha kuti uongorore yako wega solvency uye zvemari tarisiro. Sezvineiwo, hapana inopfuura 40% yemari yemhuri pamwedzi inofanira kuenda kunobhadhara imba yemba, anoyambira. Dmitry Veselkov, Mutungamiriri weMortgage Programs uye Bank Lending paMetrium.

Nyanzvi zvakare inopa zano rekutora chikwereti kubva kubhangi kwaunogamuchira muhoro wako. Izvi zvichabatsira kudzivirira kugadzirira kweimwe pasuru yemagwaro. 

Mibvunzo nemhinduro dzakakurumbira

Dmitry Veselkov yakapindura Healthy Food Near Me vatori venhau pamibvunzo yakakosha ine chekuita neredhisheni yevanyanzvi veIT.  

Zvitubu zve

1. Chirevo cheHurumende yeFederation No. 805 yaApril 30, 2022. URL: http://static.government.ru/media/files/AwaQwrG8Tfk2uRUrMrXQYQzYsPB5vNr2.pdf 
2. Rejista yemasangano anotenderwa anoshanda mumunda weruzivo tekinoroji. URL: https://digital.gov.ru/opendata/7710474375-registergosaccred/table/