Kev qiv nyiaj zoo tshaj rau cov kws tshaj lij IT hauv 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

Thaum lub Tsib Hlis 2022, tsoomfwv tau tshaj tawm cov kev txhawb nqa tshiab rau cov kws tshaj lij IT thiab tau pib qhov kev pabcuam qiv nyiaj tshwj xeeb. Cov kws tshaj lij hauv cov ntaub ntawv thev naus laus zis yuav muaj peev xwm ua kom zoo dua ntawm nws, tus nqi qiv nyiaj yuav yog 5%.

Cov Khoom Noj Noj Qab Haus Huv Nyob Ze Kuv, nrog rau tus kws tshaj lij, qhia tias qhov kev qiv nyiaj zoo tshaj yog dab tsi rau cov kws tshaj lij IT hauv 2022 thiab yuav ua li cas thiaj tau txais.

Tsoom Fwv Teb Chaws Txoj Cai Lij Choj Nyiaj Txiag rau IT Professionals

From the Decree of the Government of the Federation No. 805 of April 30, 20221 peb tuaj yeem txiav txim siab tias txoj haujlwm ntawm kev qiv nyiaj IT nyiam yog los muab cov neeg ua haujlwm hauv cheeb tsam no nrog kev nyob zoo. IT-tus kws tshaj lij tau pib xav ntau heev txog qhov muaj peev xwm ntawm kev tsiv teb tsaws chaw vim raug nplua, thiab kev qiv nyiaj yuav tsum tau pab kom lawv nyob hauv Peb Lub Tebchaws. Raws li cov ntsiab lus ntawm qhov kev daws teeb meem, cov kws tshaj lij uas nws cov tswv ntiav tau suav nrog hauv kev tso npe ntawm cov koom haum tau lees paub hauv thaj tsam ntawm IT2 thiab twb tau siv cov kev txhawb nqa se, yuav tuaj yeem tau txais cov nyiaj txais qiv nyiaj ntawm cov nqe lus zoo - txog li 5%. 

raws li Tus thawj coj ntawm kev lag luam nyiaj txiag "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.

Nthuav Cov Lus Nug Txog Nyiaj Txiag rau IT Professionals

Cov nqi tsev rau cov kws tshaj lij IT hauv 2022 muaj ntau qhov kev nthuav qhia rau nws cov neeg koom. Cia peb tham txog cov tseem ceeb.

Cov nqi tsev qiv nyiaj rau cov kws tshaj lij IT hauv 2022Mus txog 5%
Leej twg tuaj yeem tau txais cov nyiaj qiv ntawm qhov kev qiv nyiaj tshwj xeeb rau IT-tus kws tshaj lijs hnub nyoog 22 txog 44 ua haujlwm hauv cov tuam txhab IT uas tau lees paub
Lub sijhawm qiv nyiaj siab kawg 30 xyoo
Kev them nyiaj tsawg kawg nkaus 15%
Qiv nyiaj 18 lab rubles - rau lab-ntxiv lub nroog;

9 lab rubles - rau lwm cheeb tsam

Cov nyiaj tau los qiv Los ntawm 150 txhiab rubles. - rau lab-ntxiv lub nroog

Los ntawm 100 txhiab rubles. - rau lwm cheeb tsam

Qhov kev pab cuam ntevTxij lub Tsib Hlis 2022 txog rau thaum xaus ntawm 2024

Cov xwm txheej kom tau txais qiv nyiaj rau IT-tus kws tshaj lij

Yuav kom tsim nyog tau txais cov nyiaj qiv no, qee yam yuav tsum tau ua kom tiav. Cov tsev txhab nyiaj muaj kev xav tau rau cov neeg qiv nyiaj thiab vaj tsev.

Lub txhab nyiaj xav tau rau cov qiv nyiaj

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.

Nws yog ib qho tseem ceeb uas cov neeg ua haujlwm ua haujlwm hauv ib lub koom haum uas tau lees paub los ntawm cov tub ceev xwm, suav nrog hauv cov ntawv sau npe2. Nyob rau tib lub sijhawm, lub koom haum ua haujlwm yuav tsum muaj tsawg kawg yog 7 tus neeg ua haujlwm, thiab nws tseem yuav tsum muaj OKVED 62.01, 62.02, 62.02.1, 62.02.4, 62.03.13, 62.09, 63.11.1.

Koj tuaj yeem siv qhov kev pabcuam qiv nyiaj tshwj xeeb rau cov kws tshaj lij IT ib zaug xwb. Tsis tas li ntawd, nws cov neeg koom yuav tsum tsis txhob siv lwm yam kev txhawb nqa zoo sib xws - qhov kev nyiam tshaj plaws, tsev neeg, Far Eastern lossis qiv nyiaj nyob deb nroog.

Lub ntsiab lus tseem ceeb hauv kev daws teeb meem yog qhov tsis muaj npe ntawm cov haujlwm lossis cov ntaub ntawv ntawm cov neeg ua haujlwm tsim nyog siv qhov program. Raws li kev xav, niaj hnub no txhua tus neeg ua haujlwm ntawm cov tuam txhab IT uas tau lees paub, tsis hais lawv txoj haujlwm, muaj cai tau txais cov nyiaj qiv tshwj xeeb. Lub caij no, lub xeev muab rau ib pliag txhawm rau txiav tawm cov neeg ua haujlwm tsis yog cov tub ntxhais kawm - qhov no yog qhov yuav tsum tau ua rau qib nyiaj tsawg kawg nkaus.

Lub txhab nyiaj xav tau rau vaj tse

Raws li qhov kev daws teeb meem, cov tsev txhab nyiaj tuaj yeem muab cov nqi qiv nyiaj tshwj xeeb rau cov kws tshaj lij IT ob qho tib si rau kev yuav khoom npaj ua thiab rau tsev nyob hauv kev tsim kho nyob rau hauv qhov txwv ntawm 18 lab rubles hauv cov nroog nrog cov pej xeem ntawm ntau dua 9 lab thiab 1 lab rubles hauv cov nroog nrog ib tus neeg. pej xeem txog li 30 lab tus tib neeg. Lub sijhawm qiv nyiaj siab tshaj plaws yog 15 xyoo. Qhov tsawg kawg nkaus them nqi yog XNUMX%.

Yog li, nrog kev pab los ntawm kev qiv nyiaj tshwj xeeb rau cov neeg ua haujlwm IT, koj tuaj yeem yuav ib chav tsev ntawm lub khw tseem ceeb los ntawm tus tsim tawm raws li daim ntawv cog lus sib koom lossis hauv daim ntawv cog lus muag thiab kev yuav khoom. Qhov kev zov me nyuam siv rau cov tsev tshiab thiab cov tsev ib leeg. Lawv kuj yuav tsum tau yuav los ntawm tus tsim tawm. Qhov kev zov me nyuam tsis siv rau cov tsev thib ob.

Cov npe ntawm cov tsev txhab nyiaj uas koj tuaj yeem tau txais qiv nyiaj rau cov kws tshaj lij IT

Tsis yog txhua lub koom haum tuam txhab nyiaj tau tshaj tawm cov nqi qiv nyiaj rau cov kws tshaj lij IT. Nov yog cov npe ntawm cov tsev txhab nyiaj uas koom tes nrog txoj haujlwm hauv 2022:

Sberbank"Alfa Bank"
VTB"Absolut Bank"
“DOM.RF”"Rosbank Dom"
“Qhib”gazprombank

Yuav ua li cas thiaj tau txais nyiaj qiv nyiaj rau cov kws tshaj lij IT

Txhua tus neeg uas xav yuav lub tsev tshiab thiab poob rau hauv pawg muaj cai raws li tus neeg ua haujlwm IT yuav tsum tau sau ib pob ntawm cov ntaub ntawv thiab ua tiav qhov kev cog lus. Peb qhia koj yuav ua li cas. 

Cov Ntaub Ntawv Kho

Ntawm no yog cov txheej txheem txheej txheem: 

  • phau ntawv hla tebchaws;
  • SNILS;
  • Pab 2-NDFL;
  • rho tawm los ntawm phau ntawv ua haujlwm;
  • daim ntawv cog lus ua haujlwm; 
  • daim ntawv pov thawj ntawm lub koom haum nyob rau hauv cov npe ntawm IT tuam txhab uas muag tau lees paub los ntawm Ministry of Digital Development;
  • kev sib yuav thiab daim ntawv yug me nyuam (yog tias thov los ntawm lub txhab nyiaj).

Cov kauj ruam los ntawm kauj ruam qhia

  1. Hauv chav saib xyuas nyiaj txiag ntawm koj lub koom haum, koj yuav tsum luam daim ntawv cog lus ua haujlwm, ib daim qauv ntawm phau ntawv ua haujlwm, daim ntawv pov thawj ntawm cov nyiaj tau los hauv daim ntawv 2-NDFL.
  2. Nyob rau hauv tib qhov chaw, koj yuav tsum tau thov ib daim ntawv pov thawj ntawm lub koom haum nyob rau hauv lub register ntawm IT tuam txhab uas muag thiab ib daim ntawv luam ntawm ib tug extract los ntawm lub register ntawm Ministry of Digital Development. Nco ntsoov xyuas tias TIN ntawm cov neeg raug cai hauv daim ntawv pov thawj thiab cov ntawv rho tawm los ntawm kev sib tw rau npe.
  3. Nrog rau daim ntawv hla tebchaws thiab, yog tias muaj, daim ntawv pov thawj ntawm kev sib yuav thiab kev yug me nyuam, koj yuav tsum mus rau lub txhab nyiaj uas koj tau xaiv los ua kom tiav qhov kev sib pauv. Nws feem ntau tau txais txiaj ntsig ntau dua los thov qhov twg koj muaj qhov project nyiaj hli.
  4. Nyob rau hauv rooj plaub ntawm kev tsim koj tus kheej lub tsev siv cov nyiaj txais qiv nyiaj, koj yuav tsum cais cov kev xav tau ntawm lub txhab nyiaj rau kev lees paub ntawm qhov project thiab tus neeg cog lus tsim kho.
  5. Tom qab kuaj xyuas cov ntaub ntawv, chav tsev lossis lub tsev uas koj xav yuav yog xaiv.
  6. Npaj rau kev sau npe qiv nyiaj thawj zaug them nyiaj tsawg kawg 15% ntawm daim ntawv cog lus - los ntawm koj tus kheej cov nyiaj, peev nyiaj yug me nyuam lossis kev pab nyiaj txiag los ntawm cheeb tsam lossis chaw ua haujlwm.
  7. Kos ib daim ntawv cog lus thiab nyeem kom zoo. 

Cov kws tshaj lij cov lus qhia rau IT-tus kws tshaj lij thaum tau txais kev qiv nyiaj

- Undoubtedly, cov nqe lus qiv nyiaj tshwj xeeb yog qhov txaus nyiam heev rau IT-tus kws tshaj lij. Tab sis ua ntej thov, nws tsim nyog ntsuas koj tus kheej qhov hnyav thiab kev cia siab nyiaj txiag. Qhov zoo tshaj plaws, tsis pub ntau tshaj 40% ntawm tsev neeg cov nyiaj tau los txhua hli yuav tsum mus them tus nqi tsev, ceeb toom Dmitry Veselkov, Tus Thawj Coj ntawm Cov Nyiaj Them Nqi Them Nqi thiab Lub Txhab Nyiaj qiv ntawm Metrium.

Tus kws tshaj lij kuj qhia txog kev qiv nyiaj los ntawm lub txhab nyiaj uas koj tau txais koj cov nyiaj hli. Qhov no yuav pab kom zam dhau qhov kev npaj ntawm ib pob ntxiv ntawm cov ntaub ntawv. 

Nrov lus nug thiab lus teb

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

Tus nqi tsev qiv nyiaj rau cov kws tshaj lij IT hauv 2022 yog dab tsi?

Lub hauv paus tus nqi rau cov nqi qiv nyiaj rau cov kws tshaj lij IT yog 5%. Txawm li cas los xij, nws tuaj yeem raug txo los ntawm cov nyiaj pab los ntawm cov tub ceev xwm hauv cheeb tsam, nrog rau cov kev pabcuam tshwj xeeb los ntawm cov neeg tsim khoom thiab cov tsev txhab nyiaj.

Decree of the Government of the Federation of April 30, 2022 No. 8051 muaj cov xwm txheej thaum tus paj laum tuaj yeem nce ntxiv. Cov no suav nrog kev tshem tawm ntawm lub tuam txhab IT thiab tsis muab cov ntaub ntawv hais txog kev ua haujlwm hauv lwm lub koom haum zoo sib xws hauv peb lub hlis, kev them rov qab ntawm cov nyiaj tau los ploj, nrog rau kev tso npe cog lus ntawm txoj cai thov raws li DDU.

Puas muaj peev xwm rov qab tau txais cov nyiaj qiv txais uas twb tau muab lawm?

Tsis muaj kev cai lij choj hauv Tsoomfwv Txoj Cai uas tso cai lossis txwv tsis pub siv hom kev qiv nyiaj tshwj xeeb no kom rov ua dua cov nyiaj qiv uas twb tau muab lawm. Ntawd yog, tam sim no tsis muaj qhov ua tau zoo li ntawd. Tus kws tshaj lij IT muaj cai muag ib lub tsev qiv nyiaj uas twb muaj lawm thiab yuav ib chav tsev tshiab uas siv cov nyiaj qiv muag muag.

Puas yog nws muaj peev xwm yuav cov tsev nyob hauv tsev qiv nyiaj rau IT-tus kws tshaj lij?

Nrog kev pab los ntawm kev qiv nyiaj tshwj xeeb rau cov kws tshaj lij IT, koj tuaj yeem tsuas yog yuav ib chav tsev nyob hauv ib lub tsev tshiab (xws li ib lub chaw ua haujlwm), lub tsev nyob lossis lub tsev hauv nroog los ntawm tus tsim tawm, thiab tseem siv cov nyiaj no los them rau kev tsim kho lub tsev. lub teb chaws tsev nyob rau hauv kev pom zoo nrog ib tug neeg raug cai los yog ib tug neeg ua lag luam. Nws tseem tsis tau siv rau lub lag luam thib ob.

Qhov chaw ntawm

  1. Decree of the Government of the Federation No. 805 of April 30, 2022. URL: http://static.government.ru/media/files/AwaQwrG8Tfk2uRUrMrXQYQzYsPB5vNr2.pdf 
  2. Sau npe ntawm cov koom haum uas tau lees paub ua haujlwm hauv kev siv thev naus laus zis. URL: https://digital.gov.ru/opendata/7710474375-registergosacred/table/

Sau ntawv cia Ncua