Kubvisa mari yembavha yevaviri
Ini ndiri "mukuroorana naye" ari mumamiriro ekurambana anosarudza kutengesa kwakamisikidzwa kwekugara. Mudzimai wangu nevana vachagara mumba, uye ini ndicharoja pedyo. Sezvo ini ndichave ini ndoga mupi wemari uye nokudaro ndichibhadhara mubereko wembande uye mutero wezvivakwa zvakananga kana zvisina kunanga (kuburikidza nearimony), ndine kodzero yekubvisirwa mutero wezvinhu izvi?
Mushure mekurambana kwako, iwe unogona kunge uri muridzi wenzvimbo seXNUMX/XNUMX isina kuroorwa nemukadzi wako wekare, semubatsiri (zvichienderana nekodzero yekupona), kana semuridzi wemba. Kana uine chibvumirano chakanyorwa neaimbova mudzimai wako kuti unofanira kubhadhara mari yose yemba uye mutero weimba, hezvino zvaunogona kuita.
Nechibvumirano chakanyorwa, iwe unogona zvakare kubhadhara varidzi veimba inishuwarenzi, zvishandiso, uye mamwe echitatu-bato mabhiri zvakananga uye kubvisa iyo miripo sekutsigira kwevana. Nekudaro, iwe unofanirwa kubvunza gweta remutemo wemhuri rakasimbiswa kuti uve nechokwadi chekuti zvibvumirano zvakanyorwa zvakadaro zvakadhirowa nemazvo uye pafaira.
Kurambana kunogona kuva kwakaoma zvakakwana pasina mutoro wakawedzerwa wematambudziko emitero. Gara pasi neCPA yako kuti ukurukure nezvemamiriro ako ezvinhu uye nzira yakanakisisa yekugadzirisa mari yako kuderedza mitero yako yose.
Kubviswa kwemutero wemidziyo kunogona kupatsanurwa here?
Nekutanga kwehurumende chirongwa chePradhan Mantri Awas Yojana (PMAY), icho chinopa rubatsiro rwemubereko uku ichimanikidza vakadzi vakuru kuva varidzi vedzimba, kukurudzira kwevakadzi kuve varidzi vedzimba kwawedzera. Unogona kutenga imba muzita remudzimai wako kuti uchengetedze mari kana kukumbira mari yechikwereti chejoint mortgage sevaridzi pamwe chete veimba yacho uyewo kugovera chisungo chekubhadhara. Tarisa uone mabhenefits aunowana kana ukatenga imba muzita remukadzi wako kana makabatana naye.
Mese mese munogona kutora Chikamu 80C chekubviswa mutero kubva pamutero wenyu wemutero nekugadzira chibvumirano chemuridzi wemba. Huwandu hwekubviswa huchaenderana nekuti kugovewa kwemidziyo pakati pezviviri izvi kwasarudzwa sei. Zvakadaro, kana mese muri mese imba yacho zvakaenzana, Chikamu 80C chinokutendera kuti utore mari inosvika 1,5 lakh pagore kumukuru wechikoro waunodzosera pachikwereti chemba makabatana. Pamusoro peizvi, vese vari vaviri vanogona kuda kubvisirwa mari inosvika 2 lakh pamubereko wavanobhadhara pachikwereti chavo chemba.
Ndiani anogona kukumbira kubvisirwa mutero wemubereko wemondi kana paine varidzi-vamwe?
Isu tiri yakazvimirira, ad-inotsigirwa kuenzanisa sevhisi. Chinangwa chedu ndechekukubatsira kuita sarudzo dzemari dzine hungwaru nekupa maturusi ekudyidzana uye macalculator emari, kuburitsa zvepakutanga uye zvine chinangwa, uye nekukubvumidza iwe kuita tsvagiridzo uye kuenzanisa ruzivo rwemahara, kuti iwe ugone kuita sarudzo dzemari nechivimbo.
Izvo zvinopihwa zvinoonekwa pane ino saiti zvinobva kumakambani anotiripa. Muripo uyu unogona kukanganisa kuti zvigadzirwa zvinoonekwa sei uye kupi pane ino saiti, kusanganisira, semuenzaniso, kurongeka kwazvinogona kuoneka mukati mezvikamu zverondedzero. Asi muripo uyu haukonzeri ruzivo rwatinoburitsa, kana wongororo yaunoona pane ino saiti. Isu hatisanganisire zvakasikwa zvemakambani kana zvipo zvemari zvinogona kuwanikwa kwauri.
Isu tiri yakazvimiririra, inotsigirwa nekushambadzira sevhisi yekuenzanisa. Chinangwa chedu ndechekukubatsira kuita sarudzo dzemari dzine hungwaru nekupa maturusi ekudyidzana uye macalculator emari, kuburitsa zvepakutanga uye zvine chinangwa, uye nekukubvumidza iwe kuita tsvagiridzo uye kuenzanisa ruzivo rwemahara, kuti iwe ugone kuita sarudzo dzemari nechivimbo.
Munhu anogona here kutora mitero yese yemidziyo
Kazhinji, kana vaviri vakaroorana vaine mari yemuhoro uye mumwe wavo aine mutero wemari ishoma pane yavo yekuyamura uye kodzero dzekubvisa, zvinobatsira kusarudza mutero wakabatanidzwa. Kuti vasarudze sarudzo ye'joint assessment', murume nemudzimai vanofanira kuzadza magwaro avo emutero wemari.
Kana mumwe chete wevakaroorana akawana mari uye mumwe wacho asina, hazvidikanwi kusarudza "Joint Valuation". MuMutero weIncome, chero mukwanyina ane mari yemuhoro apedza nemazvo chikamu 8.1 chemutero wemutero, "Muripo wevakaroora" uchapihwa.
Izvo hazvifanirwe kusarudza iyo "Personal Assessment" kana iwe uchingowana mari. Iwe unozogona kuenderera mberi uchikumbira maallowances uye kubviswa kubva pamuhoro wemutero wekugadzirisa. Zvakadaro, kana uine mari yekurenda (yaunofanirwa kubhadhara mutero weimba) kana uine purofiti yebhizinesi, unofanirwa kufunga kuti kusarudza "Personal Valuation" kunogona kuderedza mutero wako wese. Semuyenzaniso, kana wakatora chikwereti kuti utenge chivakwa kuti uirende, unozongokwanisa kubvisa chimbadzo chembavha kubva pamari yako yekuroja kana ukasarudza 'Personal Valuation' sarudzo.
