Nbinye ego maka ndị ọkachamara IT na 2022
The government of the Federation issued a decree on preferential mortgages for IT specialists in 2022. Healthy Food Near Me has prepared a detailed analysis of who and under what conditions can take such a loan

Na Mee 2022, gọọmentị kwupụtara usoro nkwado ọhụrụ maka ndị ọkachamara IT wee wepụta mmemme ịgbazinye ego. Ndị ọkachamara na ngalaba nke teknụzụ ozi ga-enwe ike iji ya mee ihe, ọnụego nnyefe ga-abụ 5%.

Nri ahụike dị nso na m, yana ọkachamara, na-agwa ihe nbinye ego maka ndị ọkachamara IT na 2022 yana otu esi enweta ya.

Iwu gọọmentị maka mgbazinye ego maka ndị ọkachamara IT

From the Decree of the Government of the Federation No. 805 of April 30, 20221 anyị nwere ike ikwubi na ọrụ nke nnyefe ego IT na-amasị ya bụ inye ndị ọrụ na mpaghara a ọnọdụ ndụ dị mma. IT-ọkachamara malitere massively tụlee ekwe omume nke ịkwaga n'ihi mmachi, na mmasị mortgages kwesịrị inye aka idobe ha na mba anyị. Dị ka usoro nke mkpebi ahụ si dị, ndị ọkachamara nke ndị were ha n'ọrụ gụnyere n'akwụkwọ ndekọ aha nke ụlọ ọrụ kwadoro na ngalaba IT.2 ma na-ejirị mkpali ụtụ isi ugbu a, ga-enwe ike ịnweta mbinye ego nbinye na usoro dị mma - ruo 5%. 

Dabere na Onye isi nchịkwa nke ụlọ ahịa ego "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.

Eziokwu mgbazinye ego na-adọrọ mmasị maka ndị ọkachamara IT

Mortgage maka ndị ọkachamara IT na 2022 na-enye ndị sonyere ya ọtụtụ onyinye na-atọ ụtọ. Ka anyị kwuo banyere ndị bụ́ isi.

Ọnụ ego mgbazinye maka ndị ọkachamara IT na 2022Ruo 5%
Kedu onye nwere ike ịnweta mbinye ego na nnyefe mmasị maka ndị ọkachamara ITdị afọ 22 ruo 44 na-arụ ọrụ na ụlọ ọrụ IT kwadoro
Oge mbinye ego kacha 30 afọ
Opekempe ịkwụ ụgwọ 15%
Ego mgbazinye ego 18 nde rubles - maka nde-gbakwunyere obodo;

9 nde rubles - maka mpaghara ndị ọzọ

Ego onye gbaziri ego Site na 150 rubles. – maka nde-gbakwunyere obodo

Site na 100 puku rubles. - maka mpaghara ndị ọzọ

Oge ihe omumeSite na Mee 2022 ruo na njedebe nke 2024

Ọnọdụ maka ịnweta nnyefe ego maka ndị ọkachamara IT

Iji ruo eru maka mbinye ego dị otú ahụ, a ghaghị imezu ọnọdụ ụfọdụ. Ụlọ akụ nwere ihe achọrọ maka ma ndị na-agbaziri ego na ezigbo ala na ụlọ.

Achọrọ ụlọ akụ maka ndị na-agbaziri ego

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.

Ọ dị mkpa na onye ọrụ na-arụ ọrụ na nzukọ nke ndị ọchịchị kwadoro, gụnyere na ndekọ dị mkpa2. N'otu oge ahụ, ụlọ ọrụ na-arụ ọrụ ga-enwerịrị opekata mpe ndị ọrụ 7, ọ ga-enwerịrị OKVED 62.01, 62.02, 62.02.1, 62.02.4, 62.03.13, 62.09, 63.11.1.

Ị nwere ike iji mmemme ịgbazinye ego maka ndị ọkachamara IT naanị otu ugboro. Na mgbakwunye, onye so na ya ekwesịghị iji usoro nkwado ndị ọzọ yiri ya - mmasị, ezinụlọ, Far Eastern ma ọ bụ mgbazinye ime obodo.

Ihe dị nro dị na mkpebi ahụ bụ enweghị ndepụta nke ọkwá ma ọ bụ profaịlụ nke ndị ọrụ ruru eru iji mmemme ahụ. N'ụzọ doro anya, taa ndị ọrụ niile nke ụlọ ọrụ IT enwetara ikike, n'agbanyeghị ọnọdụ ha, tozuru oke mgbazinye ego. Ka ọ dị ugbu a, steeti ahụ na-enye nwa oge iji belata ndị ọrụ na-abụghị isi - nke a bụ ihe achọrọ maka ọkwa ego kacha nta.

Achọrọ ụlọ akụ maka ezigbo ala na ụlọ

Dị ka mkpebi ahụ si kwuo, ụlọ akụ nwere ike ịnye ndị ọkachamara IT nke ọma ma maka ịzụrụ ihe dị njikere yana maka ụlọ a na-ewu n'ime oke 18 nde rubles n'obodo ndị nwere ihe karịrị otu nde na nde 9 rubles n'obodo ndị nwere a. onu ogugu mmadu ruru otu nde mmadu. Oge mbinye ego kachasị bụ afọ 1. Opekempe ịkwụ ụgwọ bụ 30%.

Ya mere, site n'enyemaka nke nnyefe ego maka ndị ọrụ IT, ị nwere ike ịzụta ụlọ na ahịa mbụ n'aka onye nrụpụta n'okpuru nkwekọrịta òkè ma ọ bụ n'okpuru nkwekọrịta ire na ịzụrụ. Ihe omume a na-emetụta ụlọ ọhụrụ na ụlọ nke ọ bụla. Ọ dịkwa mkpa ka a zụta ha n'aka onye nrụpụta. Mmemme anaghị emetụta ụlọ nke abụọ.

Ndepụta ụlọ akụ ebe ị nwere ike nweta nnyefe maka ndị ọkachamara IT

Ọ bụghị ụlọ ọrụ ụlọ akụ niile na-enye ndị ọkachamara IT ego mgbazinye ego. Nke a bụ ndepụta ụlọ akụ na-akwado mmemme na 2022:

Sberbank"Alfa Bank"
VTBỤlọ akụ Absolut
"DOM.RF""Rosbank Dom"
"Na-emepe"Ụlọ ọrụ Gazprombank

Otu esi enweta ego mgbazinye maka ndị ọkachamara IT

Onye ọ bụla nke chọrọ ịzụrụ ụlọ ọhụrụ wee daa n'okpuru ụdị ohere dị ka onye ọrụ IT kwesịrị ịnakọta ngwugwu akwụkwọ ma mezue nkwekọrịta ahụ. Anyị na-agwa gị otu esi eme ya. 

Edezi Documents

Nke a bụ ọkọlọtọ setịpụrụ: 

  • paspọtụ;
  • SNILS;
  • Enyemaka 2-NDFL;
  • wepụ site na akwụkwọ ọrụ;
  • oyiri nke nkwekọrịta ọrụ; 
  • asambodo nke nzukọ dị na ndekọ nke ụlọ ọrụ IT nke Ministry of Digital Development kwadoro;
  • alụmdi na nwunye na akwụkwọ ọmụmụ nke ụmụaka (ọ bụrụ na ụlọ akụ rịọrọ ya).

Kwụpụ site ntuziaka

  1. Na ngalaba ndekọ ego nke nzukọ gị, ịkwesịrị iwere akwụkwọ nkwekọrịta ọrụ, otu akwụkwọ ọrụ, akwụkwọ ikike ego n'ụdị 2-NDFL.
  2. N'otu ebe ahụ, ịkwesịrị ịrịọ akwụkwọ ikike nke ụlọ ọrụ dị na ndekọ nke ụlọ ọrụ IT na otu mbipụta sitere na ndekọ nke Ministry of Digital Development. Jide n'aka na ị ga-elele TIN nke ụlọ ọrụ iwu kwadoro na asambodo yana wepụta na egwuregwu ndebanye aha.
  3. Site na paspọtụ na, ọ bụrụ na ọ dị, akwụkwọ ikike nke alụmdi na nwunye na ọmụmụ ụmụaka, ị ga-aga ụlọ akụ nke ị họọrọ imezu azụmahịa ahụ. Ọ na-abụkarị uru karịa itinye akwụkwọ ebe ị nwere ọrụ ụgwọ ọnwa.
  4. N'ihe gbasara iwu ụlọ nke gị site na iji mbinye ego, ị ga-achọ iche iche chọpụta ihe ndị ụlọ akụ chọrọ maka nzere nke ọrụ ahụ na onye na-arụ ọrụ ụlọ.
  5. Mgbe ịlele akwụkwọ ahụ, a na-ahọrọ ụlọ ma ọ bụ ụlọ ịchọrọ ịzụta.
  6. Kwadebe maka ndebanye ego mgbazinye ego nke mbụ ma ọ dịkarịa ala 15% nke ego nkwekọrịta - site na ego nke gị, isi obodo ma ọ bụ enyemaka ego sitere na mpaghara ma ọ bụ onye ọrụ.
  7. Depụta nkwekọrịta wee gụọ ya nke ọma. 

Ndụmọdụ ndị ọkachamara maka IT-ọkachamara mgbe ị na-enweta nnyefe

- Obi abụọ adịghị ya, usoro ịgbazinye ego ga-amasị ndị ọkachamara IT. Mana tupu itinye akwụkwọ, ọ bara uru ịtụle nhụsianya nke onwe gị na atụmanya ego. Dị ka o kwesịrị, ọ bụghị ihe karịrị 40% nke ego ezinụlọ na-akpata kwa ọnwa kwesịrị ịga kwụọ ụgwọ ụlọ, dọrọ aka ná ntị. Dmitry Veselkov, onye isi mmemme ịgbazinye ego na mgbazinye ụlọ akụ na Metrium.

Ọkachamara ahụ na-adụ ọdụ ka ị were mbinye ego n'ụlọ akụ ebe ị na-enweta ụgwọ ọnwa gị. Nke a ga - enyere aka izere nkwadebe nke ngwugwu akwụkwọ ọzọ. 

Ajụjụ na azịza ndị ama ama

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

Kedu ọnụego nnyefe maka ndị ọkachamara IT na 2022?

Ọnụego ntọala maka nnyefe ego maka ndị ọkachamara IT bụ 5%. Agbanyeghị, enwere ike belata ya site na enyemaka sitere n'aka ndị isi mpaghara, yana mmemme pụrụ iche sitere na ndị mmepe na ụlọ akụ.

Decree of the Government of the Federation of April 30, 2022 No. 8051 enwere mgbe enwere ike ịbawanye ọnụego ọmụrụ nwa. Ndị a gụnyere ịchụpụ n'aka ụlọ ọrụ IT na ịghara ịnye ozi gbasara ọrụ na ụlọ ọrụ ọzọ yiri ya n'ime ọnwa atọ, nkwụghachi ụgwọ nke furu efu, yana ndebanye aha nke nkwa nke ikike ịza n'okpuru DDU.

Ọ ga-ekwe omume ị nwetaghachi ego mbinye ego agbagoro agbagoro?

Enweghị iwu ọ bụla dị na Iwu Gọọmenti nke na-enye ohere ma ọ bụ machibido iji ụdị nnyefe mmasị a iji megharịa mbinye ego enyerelarị. Ya bụ, ugbu a, ọ dịghị ohere dị otú ahụ. Onye ọkachamara IT nwere ikike ịre ụlọ dị adị ma zụta ụlọ ọhụrụ site na iji mbinye dị nro.

Ọ ga-ekwe omume ịzụta ụlọ nke abụọ na nnyefe maka ndị ọkachamara IT?

Site n'enyemaka nke nnyefe ego maka ndị ọkachamara IT, ị nwere ike ịzụta naanị ụlọ n'ime ụlọ ọhụrụ (gụnyere nke enyere ọrụ), ụlọ obibi ma ọ bụ ụlọ ime obodo site n'aka onye nrụpụta, ma jirikwa ego ndị a kwụọ ụgwọ maka iwu ụlọ. ụlọ obodo n'okpuru nkwekọrịta na ụlọ ọrụ iwu kwadoro ma ọ bụ onye ọchụnta ego. Ọ naghị emetụta ahịa nke abụọ.

Isi mmalite nke

  1. Decree of the Government of the Federation No. 805 of April 30, 2022. URL: http://static.government.ru/media/files/AwaQwrG8Tfk2uRUrMrXQYQzYsPB5vNr2.pdf 
  2. Ndebanye aha nke ụlọ ọrụ nkwado na-arụ ọrụ na ngalaba nke teknụzụ ozi. URL: https://digital.gov.ru/opendata/7710474375-registergosacred/table/

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