Kodi chimachitika ndi chiyani panyumba yanga ngati ndichita lendi nyumba yanga?
Ndife ntchito yofananira yodziyimira payokha, yothandizidwa ndi zotsatsa. Cholinga chathu ndi kukuthandizani kuti mupange zisankho zanzeru zachuma popereka zida zolumikizirana ndi ndalama zowerengera ndalama, kusindikiza zolemba zoyambirira ndi zomwe mukufuna, ndikukulolani kuti mufufuze 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.
Kodi ndingabwereke nyumba yanga ndi ngongole wamba?
Ngongole Zogula Panyumba (BTL) nthawi zambiri zimakhala za eni nyumba omwe akufuna kugula nyumba yobwereka. Malamulo a ngongole zogulira nyumba ndizofanana ndi zanyumba zanyumba nthawi zonse, koma pali kusiyana kwakukulu.
Ngati ndinu wokhoma msonkho woyambira, CGT pa katundu wachiwiri wogula kuti mulole ikugwira ntchito pa 18% ndipo ngati ndinu wokhometsa msonkho wapamwamba kapena wowonjezera imagwira ntchito pa 28%. Pazinthu zina, mtengo woyambira wa CGT ndi 10%, ndipo mtengo wapamwamba ndi 20%.
Mukagulitsa malo anu ogulira kuti mupeze phindu, mumalipira CGT ngati phindu lanu lili pamwamba pamlingo wapachaka wa £12.300 (mchaka cha msonkho 2022-23). Maanja omwe ali ndi katundu limodzi atha kuphatikiza mpumulowu, zomwe zimapangitsa kuti apindule ndi £24.600 (2022-23) mchaka cha msonkho chapano.
Mutha kuchepetsa bilu yanu ya CGT pochotsa ndalama monga msonkho wa zolemba, woyimira milandu ndi chindapusa, kapena zotayika zomwe zidapangidwa pakugulitsa katundu wogula kuti mulole chaka chatha cha msonkho, kuwachotsa ku phindu lililonse.
Phindu lililonse pakugulitsa malo anu liyenera kulengezedwa ku HMRC ndipo msonkho uliwonse womwe uyenera kulipidwa uyenera kulipidwa mkati mwa masiku 30. Kupindula kwachuma kumaphatikizidwa ndi ndalama ndipo kumakhomeredwa msonkho pamlingo wapakati (18% ndi/kapena 28%) ndiye wolipidwa. Sizingatheke kupititsa patsogolo kapena kumbuyo kuchotsera kwapachaka kwa CGT, chifukwa chake kuyenera kugwiritsidwa ntchito mchaka chandalama.
Ngongole yogulira nyumba
Nthawi zambiri, anthu ali ndi njira ziwiri zomwe angasankhe posankha malo okhala, komanso nyumba yawo. Mmodzi wa iwo ndi kubwereka nyumba ya munthu wina ndipo wina ndi kugula nyumba ya wina. Ngakhale zikunenedwa kuti kukhala ndi nyumba ndi "maloto aku America", izi sizili choncho nthawi zonse, komanso si njira yoyenera kwa aliyense. Palibe chosankha chabwino kapena cholakwika pankhani yosankha kupanga lendi kapena kukhala ndi nyumba. Popeza kuti kugula nyumba ndi ndalama zambiri kwa anthu ambiri, m’pofunika kuti asafulumire kuchita zinthu mopupuluma. M’malo mwake, iwo adzafuna kupanga chosankha cholingalira bwino chozikidwa pa mikhalidwe yawo yaumwini.
Pali zinthu zambiri zomwe zingakhudze chisankho cha munthu kupanga lendi motsutsana ndi kugula nyumba. Nthawi zambiri chinthu chomwe chimakhudzidwa kwambiri ndi zachuma. Nthawi zambiri anthu amachita lendi akakhala kuti sangakwanitse kulipirira nyumba zawo, ali ndi ngongole zosakwanira, ali ndi ngongole zambiri, kapena ali mkati momanga ngongole. Munthu akachita lendi alibe udindo wokonza nyumba kapena kukonza dimba. Komabe, munthu akakhala ndi nyumba, ndi udindo wake kuisamalira ndi kulipirira kukonzanso kofunikira. Kwa anthu ena, ndalama zosamalira zimakhala zolepheretsa. Anthu omwe sanakhazikike pamalo amodzi kapena omwe akufuna kusamuka kwazaka zingapo angasankhenso kupanga lendi m'malo mogula nyumba. Izi zidzawapulumutsa ku vuto la kugulitsa nyumba yawo komanso kutaya ndalama zomwe zingatheke chifukwa chokhala ndi malipiro a nyumba ziwiri pamwezi panthawi imodzi pamene akusamukira.
Kodi ndingagwiritse ntchito ndalama zobwereka kuti ndiyenerere kubweza ngongole?
Kubwereketsa nyumba yanu, kapena chipinda, kungakhale njira yabwino yopezera ndalama zowonjezera. Koma mwina mukuganiza kuti: Kodi ndingabwereke nyumba yanga ngati ndili ndi ngongole yanyumba? Chabwino, zimatengera. Simungathe kubwereka nyumba yanu ndi ngongole yanu yamakono ngati wobwereketsa sakuloleza kapena ali ndi zofunikira zokhalamo.
Mafunso amasiyana: Kodi ndingabwereke nyumba yanga ndi ngongole yanyumba? Kodi muyenera kusintha ngongole yanyumba kuti mubwereke nyumbayo? Ndipo yankho likhoza kukhala losokoneza chifukwa palibe lamulo lachidziwitso lomwe limagwira ntchito pazochitika zonse ndi onse obwereketsa.
Mukalandira ngongole, wobwereketsa amafuna kudziwa momwe mukufuna kugwiritsa ntchito malowo. Ngati mutenga nokha, zimakhala ndi chiopsezo chochepa kusiyana ndi munthu amene akufuna kuzigwiritsa ntchito ngati malo ogulitsa ndikubwereketsa. Pachifukwa ichi, ngongole za eni ake nthawi zambiri zimakhala ndi malipiro ochepa, zimakhala zosavuta kuzipeza, komanso zimapereka chiwongoladzanja chochepa.
Mukalandira ngongole yanu yanyumba, muyenera kukhala oona mtima pa zolinga zanu za malowo kapena mutha kuimbidwa mlandu wachinyengo chokhalamo. Koma chimachitika ndi chiyani ngati poyamba mukukonzekera kukhala panyumba ndipo mapulani anu asintha?
