Kodi mukuyenera kutumiza msonkho waku UK wobwerera ku HMRC ku
Kubweza msonkho wodziyesa wekha kungawoneke ngati kovuta. Koma ngati mwakonzekera, mwadongosolo ndikumvetsetsa zomwe zidzafunsidwa kwa inu, ndizosavuta kuposa momwe zimawonekera. Ndikofunikira kuti mumvetsetse zanu kuti mutha kuzilemba molondola ndikupewa kulipira zilango.
Kodi muli ndi ndalama zoti mulengeze ngati manejala wa kampani, ngati mlendo (kapena wokhala pawiri), ngati munthu wodzilemba ntchito, eni ake, ngati phindu lalikulu kapena ngati mlendo? Kenako mudzayeneranso kudzaza tsamba lowonjezera.
Mugawo loyamba, muyenera kuyika ndalama zonse kuchokera kunyumba zonse zatchuthi ku UK. Ngati muli ndi malo obwereketsa kutchuthi ku European Economic Area, muyenera kuyika ndalama zonse zapatchuthi patsamba lina.
Ndikofunika kusunga zolemba zabwino kuti muwonetsetse kuti simukufuna zomwezo kawiri. Izi ndichifukwa choti mutha kukhala mukudandaula za ndalama zomwe mumalipira ngati gawo la msonkho wodziwerengera nokha zaka zam'mbuyo.
Ngati muzindikira kuti mwalakwitsa mutapereka, mutha kusintha mpaka tsiku lomaliza la chaka chamawa. Izi zikutanthauza kuti pamisonkho yomwe mudapereka pa Januware 31, 2022, mutha kusintha mpaka Januware 31, 2023.
Kodi mungavomereze ngongole yanyumba popanda kubweza msonkho?
Ndife ntchito yofananira yodziyimira payokha, yothandizidwa ndi zotsatsa. Cholinga chathu ndi kukuthandizani kupanga zisankho zanzeru zachuma popereka zida zolumikizirana ndi zowerengera zachuma, kusindikiza zolemba zoyambirira komanso zopanda tsankho, ndikukulolani kuti muchite kafukufuku ndikuyerekeza zambiri kwaulere, kuti mutha kupanga zosankha zachuma molimba mtima.
Zopereka zomwe zikuwonekera patsambali ndi zochokera kumakampani omwe amatilipira. Kulipiridwaku kungakhudze momwe zinthu zimawonekera patsamba lino, kuphatikiza, mwachitsanzo, momwe zingawonekere m'magulu amndandanda. Koma kubweza kumeneku sikukhudza zambiri zomwe timafalitsa, kapena ndemanga zomwe mumawona patsamba lino. Sitikuphatikiza dziko lonse lamakampani kapena zopereka zandalama zomwe zingapezeke kwa inu.
Ndife odziyimira pawokha, ntchito zofananira zothandizidwa ndi zotsatsa. Cholinga chathu ndi kukuthandizani kuti mupange zisankho zanzeru zachuma popereka zida zolumikizirana ndi zowerengera zachuma, kusindikiza zomwe zili zoyambira komanso zolinga, ndikukulolani kuchita kafukufuku ndikuyerekeza zambiri kwaulere, kuti mutha kupanga zosankha zachuma molimba mtima.
Simungasiyire chiwonetsero chazobweza msonkho ngati mukufuna
Zitsanzo ziwiri zotsatirazi zikufotokoza ofunsira omwe wobwereketsa ngongole angapange chisankho chosiyana. Chifukwa cha ntchito zake zam'mbuyomu, wina amafunikira zaka ziwiri zakuchita bizinesi yake, ndipo winayo yekha.
Wobwereka akufuna kugula nyumba ndipo wakhala ndi bizinesi yake yopangira masamba kwa miyezi 14. Muli ndi msonkho wachaka wathunthu wowonetsa kuti mudapeza phindu la $80.000 mchaka chanu choyamba mubizinesi.
Mafayilo ambiri olembetsa amadutsa pamakina olembera apakompyuta kenako amatsimikiziridwa ndi munthu weniweni. Mapulogalamu olembetsa, nthawi zina, amafunsa chaka chaposachedwa cha kubweza msonkho.
Chofunikira cha chaka chimodzi nthawi zambiri chimachokera ku "Loan Prospector," yomwe ndi pulogalamu yovomerezeka ya ngongole ya Freddie Mac. Mtundu wa pulogalamu ya Fannie Mae sungathe kukupatsani chaka chimodzi chofunikira. Obwereketsa ambiri amatha kuvomereza ngongole kudzera kwa Freddie Mac kapena Fannie Mae.
Ngati mwadzilemba ntchito kwa zaka zosakwana ziwiri, funsani wobwereketsa kuti ayese kuyendetsa zochitika zanu kudzera mu Loan Prospector. Pali kuthekera kuti dongosololi likufuna kuti mulembe ntchito yocheperako kuposa dongosolo lina.
Kubweza msonkho kwa ogula nyumba koyamba
Pali zifukwa zambiri zomwe ogula nyumba sangathe kubweza msonkho akamafunsira ngongole yanyumba. Nthawi zina pamakhala kuchedwa pakulemba misonkho kapena zifukwa zina zomveka zosakhala ndi zaka ziwiri za msonkho panthawi yomwe mukufunsira ngongole yanyumba.
Ndizotheka kulembetsa ndikuvomerezedwa ngongole ya FHA popanda kubweza msonkho. Komabe, mukufunikabe kupereka ma W2 anu ndi zolemba zina pofunsira ngongole ya FHA. Ngati muli odzilemba ntchito, zosankha zanu zafotokozedwa pansipa.
Odzilemba okha ntchito adzakhala ndi nthawi yovuta kuti athe kubweza ngongole popanda kubweza msonkho chifukwa alibe ma W2 ngati umboni wowonjezera wa ndalama. Ngati ndinu kontrakitala wa 1099, ndiye kuti mutha kuyenerera popereka ma 1099 omwe mudalandira.
Anthu ambiri odzilemba okha amavutika kuti ayenerere ngongole yanyumba, ngakhale atapereka mafomu a msonkho. Mabizinesi onse ovomerezeka amatsekedwa, zomwe zimapangitsa kuti zikhale zovuta kuwonetsa ndalama zokwanira. Pali pulogalamu yobwereketsa nyumba yotchedwa ngongole ya bank statement yomwe imakupatsani mwayi woti muyenerere kungopereka miyezi 12 yama statement aku banki.
