Tenga nzvimbo muSpain
Mari yekutenga chivakwa muSpain yakanyorwa zvakanaka. Izvo izvo vanhu vazhinji zvisingaite mukunakidzwa kwekutenga imba yavo yekurota muzuva ndiyo mitengo yekuva nayo. Kiyi yekudzivirira zvinokatyamadza kuve nechokwadi chekuti gweta rako rakazvimirira reSpanish rinokupa zano pamusoro pezvinofungidzirwa mutengo wekuita usati wazvipira kutenga chivakwa.
Iyo yakanyanya kuoma yekubhadhara mabhiri ekushandisa muSpain inogona kunge iri kuronga maakaundi muzita rako. Kunze kwekunge uine mwero wakanaka weSpanish, tinokurudzira kuti ubvunze chipangamazano wako rubatsiro nedanho iri.
SekuUK, uchabhadhariswa kushandisa mvura nemagetsi, asi unogona kubhadhara imwe mari yakatarwa. Makambani ekushandisa muSpain haagamuchire mubhadharo kubva kune imwe nyika account, saka iwe unozofanirwa kuvhura account yekubhangi muSpain kuti uone kuti mabhiri ako abhadharwa nenguva.
Kunyangwe ukasashandisa chivakwa kwegore rose, makambani ekushandisa anokumanikidza kuseta mubhadharo wacho zvakananga kubva kubhangi account yako. Kuchengeta mari yakakwana muakaundi yako yebhangi kunovimbisa kuti kupihwa hakuna kudzimwa nepo chivakwa chisiri kushandiswa. Kuronga kubatanidzwazve kunogona kutora nguva uye kudhura, sezvo kusabhadhara mabhiri ekushandisa pakupedzisira kunotungamira kubviswa kwemamita zvachose.
Mitengo yezvivakwa muSpain
Iyi karukureta ndiyo ichatara Mutero weDhipatimendi Remitemo Yemitemo (SDLT) inofanirwa kubhadharwa pakutenga imba (kusanganisira mari yekurojesa). Legal Documentation Tax (SDLT) mutero unobhadharwa nemutengi wenzvimbo yekugara muUK. Mwero weiyo yakanyorwa yemutemo zviito mutero inotangira pakati pe2% ne12% yemutengo wekutenga, zvichienderana nekukosha kwenzvimbo yakatengwa, zuva rekutenga uye kuti ari mutengi wekutanga here kana kuti muridzi akawanda. Kune imwe neimwe yemitengo iyi inowedzerwa 2% yekuwedzera kune vasiri veku UK vatengi. Kana usiri mugari wemuUK, ndapota tara bhokisi rakanzi 'Ndiri mugari wemuUK'.
Legal Documentation Tax (SDLT) mutero unobhadharwa nemutengi wenzvimbo yekugara muUK kana mutengo wekutenga uchipfuura £125.000. Rudzi rwemutero pamabasa emutemo akanyorwa pakati pe2% ne12% yemutengo wekutenga, zvichienderana nekukosha kwenzvimbo yakatengwa, zuva rekutenga uye kana uine dzimba dzakati wandei.
Kubva 1 Kubvumbi 2021, 2% yekuwedzera yakawedzerwa kune yega yega mareti pazasi kune vasiri veku UK vatengi. Kuti uverenge basa rechitambi kune asiri mugari wemuUK, ndapota tara bhokisi rakanzi 'Ini handisi weku UK' mu calculator iri pamusoro. Kuti uwane rumwe ruzivo rwekuti ndiani asiri wekuUK mugari, shanyira yedu Non-UK Stamp Duty Calculator peji.
Tenga imba kuSpain
Ruzivo rwunopihwa pazasi rwakaitirwa kukupa tarisiro yekutanga yemaitiro ekutenga kuti uve nechokwadi chekuti kutengeserana kwega kwega kunofamba zvakanaka uye nemazvo. Kana iwe uri kufunga kutenga imba nyowani yekuvaka, ive shuwa yekuverenga yedu yakaparadzana chinyorwa pakutenga budiriro nyowani muTenerife. Kana uine chero mibvunzo, inzwa wakasununguka kutibata nesu.
Kunyoresa nevakuru vemiteroKutenga zvivakwa muTenerife, zvinosuruvarisa, hazvizoendi pasina kubhadhara mutero. Kubva 2018 iwe unofanirwa kuve wakanyoreswa kare neSpanish zviremera zvemitero kuti iwe ugone kutevedzera mutero zvisungo muSpain. Zvinosuruvarisa, isu tose tinoziva kuti tinofanira kubhadhara mutero, muTenerife izvi hazvina kusiyana. Isu tichaenda newe kumasevhisi akakodzera uye isu tichazvironga zvizere kuitira kuti iwe unongoisa siginicha yako pamagwaro akakodzera.
Kuvhura account yekubhangi muSpainKutenga chivakwa muTenerife hakugoneki pasina mupiro wemari. Naizvozvo, danho rinotevera nderekuvhura account yekubhangi mubhangi reSpanish. Izvi zvinodiwa kuti ukwanise kuendesa, pakati pezvimwe zvinhu, mari yaunoda kutenga chivakwa chako. Asi, kunyanya, zvakare kubhadhariswa zvakananga kumaakaundi ako azvino kana wangova muridzi, senge mvura, magetsi, nharaunda yevaridzi uye mitero yako.
Spanish bank mortgage
Kutenga chivakwa muGran Canaria kunoda kutenderedza 10% yemutengo unobhadharwa kana mitero uye muripo zvichitariswa. Kune dzimwe mari dzekutengesa chivakwa, asi izvi zvinongowedzera kana iwe ukaita purofiti pakutengesa. Mutero wepagore wekutora chivakwa muGran Canaria wakadzikira.
IBI: Mutero wepagore wezvivakwa wakagadzwa neTown Hall yemuno uri pakati pe0,5% ne1% yemutengo wepamutemo wepfuma yako (yakaderera zvakanyanya pane kukosha kwemusika). Muyero weIBI muLas Palmas parizvino uri 0,73%, nepo mamwe masevhisi achichaja mitengo yakati siyanei.
IBI ndiyo yega mutengo wepamwedzi wemari waunofanirwa kubhadhara kuGran Canaria (San Bartolomé de Tirajana inobhadharisa muripo wepagore wekuunganidza marara). Nekudaro, kana iwe uchigara muchivako kana yakaoma iwe unofanirwa kubhadhara pamwedzi mubhadharo wenharaunda inova chikamu chako chemitengo yakadai semagetsi emunharaunda, elevator uye kugadzirisa dziva uye inishuwarenzi.
Varidzi vasiri vagari vanofanirwa kubhadhara mutero wemari pane chero mari yekurenda, pamwe neIGIC (VAT) kana vakarenda nzvimbo yavo kwenguva pfupi. Kunyange kana muridzi asiri wekugara asingarendi nzvimbo yake, anofanira kubhadhara mutero wegore wegore wezuva.
