Ngaba ndingasifaka isicelo senkxaso-mali yendlu ukuba ndinemali-mboleko?
10. Izindlu Ukuba wena kunye/okanye iqabane lakho ninoxanduva lokuhlawula irenti yendlu ohlala kuyo, okanye ukuba unendlu-mboleko, i-Universal Credit inokubonelela ngoncedo ngeendleko. Oku kubizwa ngokuba ziindleko zezindlu ze-Universal Credit.
Xa ufaka isicelo esitsha se-Universal Credit, iindleko zezindlu ziya kuhlawulwa njengenxalenye yentlawulo yakho ye-Universal Credit. Ukuba ufumana isibonelelo sendlu, i-Ofisi yoMphathiswa weMisebenzi kunye nePension iya kuqhagamshelana nebhunga lasekuhlaleni ukuze liyeke ukuhlawulwa kwesibonelelo sezindlu. Ngelo xesha, uya kufumana iiveki ezimbini ezongezelelweyo zentlawulo yesibonelelo sendlu ukukunceda ukuba uye kwi-Universal Credit.
Luxanduva lwakho ukuqinisekisa ukuba uyayihlawula irente yakho kunye nezinye iindleko zendlu ngokupheleleyo kumnini-mhlaba. Ukuba unengxaki yokulawula imali yakho okanye uhlala eSkotlani, unokucela ukuba iindleko zakho zendlu zihlawulwe ngokuthe ngqo kumnini-mhlaba wakho. Thetha nomqeqeshi wakho womsebenzi, sebenzisa ijenali yakho, okanye utsalele umnxeba kumnxeba woncedo ngolwazi olungakumbi.
Ukuba ufaka isicelo esitsha se-Universal Credit, kungathatha iiveki ezi-5 ukuba ufumane intlawulo yakho yokuqala. Kukulungele ukuba uxelele umnini-mhlaba ukuba ucela i-Universal Credit ukuze ayiqonde imeko yakho. Kuya kufuneka ubaxelele ukuba usifakile isicelo esitsha se-Universal Credit kwaye isicelo seendleko zendlu sibandakanyiwe njengenxalenye yesicelo sakho.
Smi Loan Calculator
Ukuba usenayo imali okanye une-VAT, buza kumlawuli wakho wokutshona okanye kumphathi wakho wokutshona ukuba ungayicela na i-SMI. Badla ngokukuxelela ukuba ungasifaki isicelo, kuba oko kuchaphazela isixa semali obuya kusifumana ukuba bekufuneka uthengise indlu yakho ukuze uhlawule amatyala akho.
Ukuba unesinye isivumelwano, esifana nesicwangciso solawulo lwetyala okanye umyalelo wolawulo, tsalela umnxeba kwiofisi oqhele ukuxoxa ngayo ngezibonelelo zakho. Babuze ukuba ungayifumana na i-SMI; Ungacela umcebisi ukuba akuncede.
Ukuba wena okanye iqabane lakho nenza nawuphi na umsebenzi ohlawulelwayo, aniyi kufumana SMI ngelo xesha lovavanyo. "Ixesha lokuvavanya" lixesha lexesha elisetyenziswa yi-DWP ukubala intlawulo yakho elandelayo yeTyala kwiHlabathi liphela. Ixesha lovavanyo ngalunye lithatha inyanga enye.
Ukuba ucinga ngokuboleka imali kubahlobo okanye kusapho, kufuneka ucinge kwakhona malunga nokuba kunokwenzeka ntoni na ukuba awukwazi ukuyibuyisela; umzekelo, ukuba bayekile ukukunceda ngezinye izinto, njengokunyamekela abantwana.
Unokucela uncedo kwiofisi yenkonzo yabemi ekufutshane nawe ukuze ikuncede uqonde izinto onokukhetha kuzo. Abanakukuxelela ukuba yeyiphi na inketho omawuyikhethe. Ukuba ufuna umntu akuncede uthathe isigqibo sokuba wenze ntoni, ungafumana umcebisi wezezimali; kuya kufuneka uhlawule ngoncedo lwabo.
Ngaba ungalifumana iTredit Universal ukuba unekhaya?
10. IzindluUkuba wena kunye/okanye iqabane lakho ninoxanduva lokuhlawula irente yendlu ohlala kuyo, okanye ukuba unendlu-mboleko, i-Universal Credit inokubonelela ngoncedo ngeendleko. Oku kubizwa ngokuba ziindleko zezindlu ze-Universal Credit.
Xa ufaka isicelo esitsha se-Universal Credit, iindleko zezindlu ziya kuhlawulwa njengenxalenye yentlawulo yakho ye-Universal Credit. Ukuba ufumana isibonelelo sendlu, i-Ofisi yoMphathiswa weMisebenzi kunye nePension iya kuqhagamshelana nebhunga lasekuhlaleni ukuze liyeke ukuhlawulwa kwesibonelelo sezindlu. Ngelo xesha, uya kufumana iiveki ezimbini ezongezelelweyo zentlawulo yesibonelelo sendlu ukukunceda ukuba uye kwi-Universal Credit.
Luxanduva lwakho ukuqinisekisa ukuba uyayihlawula irente yakho kunye nezinye iindleko zendlu ngokupheleleyo kumnini-mhlaba. Ukuba unengxaki yokulawula imali yakho okanye uhlala eSkotlani, unokucela ukuba iindleko zakho zendlu zihlawulwe ngokuthe ngqo kumnini-mhlaba wakho. Thetha nomqeqeshi wakho womsebenzi, sebenzisa ijenali yakho, okanye utsalele umnxeba kumnxeba woncedo ngolwazi olungakumbi.
Ukuba ufaka isicelo esitsha se-Universal Credit, kungathatha iiveki ezi-5 ukuba ufumane intlawulo yakho yokuqala. Kukulungele ukuba uxelele umnini-mhlaba ukuba ucela i-Universal Credit ukuze ayiqonde imeko yakho. Kuya kufuneka ubaxelele ukuba usifakile isicelo esitsha se-Universal Credit kwaye isicelo seendleko zendlu sibandakanyiwe njengenxalenye yesicelo sakho.
Ikhatyhuleyitha yentlawulo yenzala ye-Dwp yokubambisa
Ukuba unemali-mboleko yendlu okanye enxulumene nekhaya, usenokukwazi ukufumana uncedo kwinzala oyihlawulayo ngeenzuzo ezivavanyiweyo, kodwa ihlawulwe ngokuthe ngqo kumbolekisi wakho, ebizwa ngokuba yi-Income Tax Assistance. Olu ncedo alunakusetyenziswa kwiintlawulo ezinkulu. Ukuze ukwazi ukulufumana olu ncedo, kufuneka ufake isicelo senkxaso yengeniso, ibhenefithi esekelwe kwingeniso yomntu okhangela umsebenzi, ingqesho enxulumene nomvuzo kunye nenzuzo yenkxaso, ikhredithi jikelele okanye ikhredithi yomhlalaphantsi.
Kukho umda kubungakanani bemali mboleko eya kuthi i-SMI incede ngenzala, umda udla ngokuba yi-£200.000, kodwa ukuba ungummangali weTyala lePension umda yi-£100.000 (ngaphandle kokuba ubufumana i-SMI kwimali-mboleko efikelela kwi-200.000). kwiiveki ezili-12 phambi kokudlulela kwi-Pension Credit).
Ngomhla we-5 ka-Apreli, i-2018, i-SMI yaba yimali mboleko karhulumente eqinisekisiwe yipropati yakhe (ngaphambi kwalo mhla yayiyinzuzo). Oku kuthetha ukuba nayiphi na i-SMI oyifumanayo ukusuka kuloo ndawo ukuya phambili kufuneka ihlawulwe ngenzala, kodwa ungade ubhubhe, uthengise, okanye utshintshe ubunini bekhaya lakho. Ukuba uyasweleka kwaye impahla yakho idlulela kwiqabane lakho, imali-mboleko ayisayi kuhlawulwa de iqabane lakho libhubhe, lithengise okanye litshintshe ubunini bekhaya. Ukuba i-equity yendlu ayonelanga ukuhlawula imali-mboleko ye-SMI, iya kucinywa. Ungayihlawula imali mboleko ye-SMI nangaliphi na ixesha, kodwa ubuncinci bentlawulo yamkelwe iya kuba yi-£100.
