Momwe mungalowe muzogulitsa nyumba
Chimodzi mwa zisankho zofunika kwambiri zomwe aliyense angapange pa moyo wake ndi kugula nyumba. Ogula nyumba ena angadabwe ngati chosankha chawo chogula nyumba chiri choyenera kwa iwo, popeza kuti munthu wamba amasintha malingaliro ake ponena za chosankha chawo zaka zisanu kapena zisanu ndi ziŵiri zilizonse. Podziwa izi, anthu ambiri amadabwa ngati kugula nyumba ndi njira yabwino kwambiri kwa iwo. Komabe, kugula nyumba kuli ndi ubwino wambiri. Koma palinso zovuta, zomwe zikutanthauza kuti kubwereka kungakhale njira yabwino kwambiri kwa iwo. Njira yabwino yodziwira ngati kugula kapena kubwereka ndizochitika zabwino; munthuyo ayenera kupenda mkhalidwe wake kuti apange chosankha choyenera.
Wogula ali ndi udindo woposa malipiro a ngongole. Palinso misonkho, inshuwaransi, kukonza ndi kukonza zomwe zimadetsa nkhawa. Muyeneranso kuganizira zolipira za eni eni.
Mitengo ya msika ndi nyumba zimasinthasintha. Kuwonanso kapena kutsika kwa mtengo wa nyumbayo kumadalira nthawi yomwe idagulidwa, mwina panthawi yachitukuko kapena zovuta. Malowo sangayamikire pamtengo womwe mwiniwake amayembekezera, ndikukusiyani opanda phindu mukakonzekera kugulitsa.
Gulani nyumba kenako ndikubwereka
Mukafuna kusamukira kunja, malo obwereka ndi abwino poyamba. Komabe, imabweranso nthawi yomwe mukuyembekeza kukhazikika. Pakadali pano, mwina mukuganiza ngati kuli bwino kubwereka kapena kugula nyumba ku Netherlands.
Monga wapadziko lonse lapansi, mwina mwafika ku Netherlands, mukukumana ndi vuto lanyumba ndikupeza malo obwereketsa (kutenga kamphindi ndikusankha ngati mumakonda kukhala m'dziko la tchizi, ma clogs ndi mphero zamphepo).
Kapena mwina mudabwera kumadera otsika mukudziwa kuti uwu ndi moyo wanu, kapena mwayamba kukonda dzikolo pakapita nthawi (nyengo ndi zonse). Pankhaniyi, mungakhale mukuganiza ngati kuli bwino kuti mutengepo kanthu ndikukhala mwini nyumba ku Netherlands, kapena kupitiriza kubwereka pang'ono. Tiyeni tikambirane nkhaniyi.
Tiyeni tiyambe ndikuyang'ana msika wamakono wanyumba. Ngakhale kuti renti imakwera chaka ndi chaka, chiwongola dzanja chapano pa ngongole zanyumba ndizotsika kwambiri ku Netherlands. Ndipo chiwongola dzanja chochepa chimafanana ndi malipiro ochepa pamwezi. Poganizira izi, ndizotheka kuti mitengo yobwereketsa siyingapikisane ndi ndalama zanyumba zomwe muyenera kulipira ngati mwaganiza zogula.
Momwe mungagulitsire malo ogulitsa nyumba popanda ndalama
Ngongole Zogulira Panyumba (BTLs) nthawi zambiri zimapangidwira eni nyumba omwe akufuna kugula malo kuti abwereke. Malamulo oyendetsera ngongole zogulira nyumba ndi ofanana ndi angongole yanthawi zonse, koma pali kusiyana kofunikira.
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 zomwe mumapeza ndipo amakhomeredwa pamlingo wocheperako (18% ndi/kapena 28%) womwe mudzalipira. Sizingatheke kupititsa patsogolo kapena kumbuyo kuchotsera kwapachaka kwa CGT, chifukwa chake kuyenera kugwiritsidwa ntchito mchaka chandalama.
Momwe mungagule malo opanda ndalama
Mukakhala ndi ndalama zochulukirapo m'nyumba mwanu, mutha kuganizira njira zopangira ndalama izi kukhala zopindulitsa. Ndalama zitha kukhala kugula nyumba yachiwiri yobwereka.
Nyumba yachiwiri yobwereketsa ndi ndalama zanthawi yayitali. Ndalama zobwereka kuchokera ku nyumba yobwereka sizimalipira msonkho. Kuonjezera apo, nyumba zambiri zomwe zili mu msika wamakono wamakono zimayamikira. Pali mwayi wabwino kuti mugulitse nyumbayo kuti mupeze phindu pazaka zambiri (ngakhale kumbukirani kuti mtengowo ukhozanso kutsika).
Kumanga kumeneku kungakhalenso njira yopezera ana anu malo okhala. Zosiyana nazo zimachitikanso, ana amene amagula nyumba kwa makolo awo ndi kuchita lendi. Alangizi athu akhoza kukudziwitsani za zosankha zonse ndi zikhalidwe.
Kuphatikiza pa zabwino zake, palinso mfundo zomwe zimakhala zosavuta kupeza malangizo abwino. Kuyambira ndi mortgage yokha. Ngati chiwongola dzanja m'nyumba mwanu sichikukwanira, mutha kulembetsa ngongole yobwereketsa. Ndi ngongole yapadera yomwe imakulolani kuti mubwereke nyumbayo. Mfundo yakuti nyumbayo idzabwerekedwa zikutanthauza kuti banki ili ndi chiopsezo chowonjezereka pa ngongole. Pachifukwa ichi, ngongole zanyumba zobwereketsa nthawi zambiri zimakhala ndi chiwongola dzanja chokwera, chomwe chimakhala chifukwa cha chiwongola dzanja chowonjezera.
