Kwenzeka ntoni kwi-mortgage yam ukuba ndirenta indlu yam?
Siyinkonzo yothelekiso ezimeleyo, exhaswa yintengiso. Injongo yethu kukukunceda wenze izigqibo ezikrelekrele zemali ngokubonelela ngezixhobo ezisebenzisanayo kunye neekhatyhuleyitha zemali, ukupapasha umxholo wokuqala kunye nenjongo, kunye nokukuvumela ukuba uphande kwaye uthelekise ulwazi simahla, ukuze wenze izigqibo zemali ngokuzithemba.
Unikezelo oluvela kule ndawo lusuka kwiinkampani ezisibuyekezayo. Le mbuyekezo inokuphembelela indlela kunye nalapho iimveliso zivela khona kule sayithi, kubandakanywa, umzekelo, indlela ezinokuvela ngayo kwiindidi zodweliso. Kodwa le mbuyekezo ayichaphazeli ulwazi esilupapashayo, okanye nophononongo olubonayo kwesi siza. Asibandakanyi indalo yonke yeenkampani okanye izibonelelo zemali ezinokufumaneka kuwe.
Siyinkonzo yothelekiso ezimeleyo, exhaswa yintengiso. Injongo yethu kukukunceda wenze izigqibo zemali ezikrelekrele ngokubonelela ngezixhobo ezisebenzisanayo kunye nezixhobo zokubala zemali, ukupapasha umxholo wokuqala kunye nenjongo, kwaye ikuvumela ukuba wenze uphando kwaye uthelekise ulwazi simahla, ukuze wenze izigqibo zemali ngokuzithemba.
Ngaba ndingarenta indlu yam ngemali mboleko eqhelekileyo?
I-Home Purchase Mortgages (i-BTL) iqhelekile kubaninimzi abafuna ukuthenga ikhaya lokurenta. Imigaqo yokuthenga i-mortgages iyafana naleyo ye-mortgages eqhelekileyo, kodwa kukho iiyantlukwano eziphambili.
Ukuba ungumhlawuli werhafu osisiseko, i-CGT kwiipropati zokuthenga-to-let yesibini isebenza kwi-18% kwaye ukuba ungumhlawuli werhafu ophezulu okanye owongezelelweyo isebenza kwi-28%. Kwezinye ii-asethi, izinga lesiseko se-CGT yi-10%, kwaye izinga eliphezulu yi-20%.
Ukuba uthengisa ipropathi yakho yokuthenga-ukuze wenze inzuzo, uya kuhlawula ngokubanzi i-CGT ukuba inzuzo yakho ingaphezulu komqobo wonyaka we-£ 12.300 (ngonyaka werhafu ka-2022-23). Izibini eziphethe i-asethi ngokudibeneyo zinokudibanisa olu ncedo, olukhokelela ekuzuzeni i-£ 24.600 (2022-23) kulo nyaka werhafu.
Unako ukunciphisa ityala lakho CGT nge offsetting iindleko ezifana documentaries irhafu, igqwetha kunye nemirhumo ye-arhente yezindlu, okanye ilahleko eyenziwe kwintengiso yokuthenga-to-ukuvumela ipropati kunyaka werhafu odlulileyo, ukutsalwa kuzo naziphi na iinzuzo ezinkulu .
Nayiphi na inzuzo ekuthengisweni kwepropathi yakho kufuneka ibhengezwe kwi-HMRC kwaye nayiphi na irhafu efunekayo kufuneka ihlawulwe zingaphelanga iintsuku ezingama-30. Isiphumo senzuzo yenkunzi ibandakanyiwe kwingeniso kwaye irhafiswa kumyinge we-marginal rate (18% kunye/okanye i-28%) emva koko ihlawulwe. Akunakwenzeka ukuqhubela phambili okanye umva ukutsalwa kwe-CGT yonyaka, ngoko ke kufuneka kusetyenziswe kulo nyaka-mali wangoku.
Imali-mboleko yokuthenga ikhaya
Ngokubanzi, abantu baneendlela ezimbini zokukhetha xa kuziwa ekukhetheni indawo yabo yokuhlala kwaye, ekugqibeleni, ikhaya labo. Enye yazo kukuqasha indlu yomnye umntu ize enye ithenge indlu yomnye umntu. Nangona kusithiwa ukuba nekhaya “liphupha laseMelika”, akusoloko kunjalo, kwaye ayilokhetho olufanelekileyo kuye wonke umntu. Akukho khetho lulungileyo okanye olungalunganga xa kufikelelwa kwisigqibo sokuqesha okanye ukuba nendlu. Ekubeni ukuthenga ikhaya kulutyalo-mali olukhulu kubantu abaninzi, kubalulekile ukuba bangangxameli ukwenza isigqibo ngokungxama. Kunoko, baya kufuna ukwenza isigqibo esicingisiswe kakuhle ngokusekelwe kwiimeko zabo zobuqu.
Kukho izinto ezininzi ezinokuchaphazela isigqibo somntu sokurenta ngokuchasene nokuthenga ikhaya. Eyona nto inempembelelo kakhulu yezemali. Abantu basoloko berenta xa bengenako ukuhlawulela amakhaya abo, benetyala eliphantsi, ityala eligqithileyo, okanye bekwiphulo lokwakha ityala. Xa umntu erenta akanaxanduva lokulungiswa kwekhaya okanye ukulungisa igadi. Noko ke, xa umntu enendlu, yimbopheleleko yakhe ukuyinyamekela nokuhlawula iindleko zokulungiswa okuyimfuneko. Kwabanye abantu, iindleko zokulondoloza zisisithintelo. Abantu abangekahlali kwindawo enye okanye abaceba ukufuduka kwiminyaka embalwa nabo banokukhetha ukurenta endaweni yokuthenga ikhaya. Oku kuya kubasindisa kwingxaki yokuthengisa ikhaya labo kunye nelahleko enokubakho yemali ekufumaneni iintlawulo zenyanga ezimbini zezindlu ngexesha elinye ngelixa befuduka.
Ngaba ndingasebenzisa ingeniso yerenti eqikelelweyo ukuze ndifanelekele ukubanjiswa?
Ukurenta indlu yakho, okanye igumbi nje, kunokuba yindlela entle yokwenza ingeniso eyongezelelweyo. Kodwa usenokuba uyazibuza: ndingarenta indlu yam ukuba ndinemali mboleko? Ewe, kuxhomekeke. Awunakukwazi ukurenta ikhaya lakho nge-mortgage yakho yangoku ukuba umbolekisi wakho akakuvumeli okanye uneemfuno ezingqongqo zokuhlala.
Imibuzo iyahluka: Ngaba ndingarenta indlu yam ngemali-mboleko eqhelekileyo? Ngaba kufuneka utshintshe imali yokubambisa ukuze urente indlu? Kwaye impendulo inokudideka kuba akukho mgaqo jikelele osebenza kuzo zonke iimeko kunye nabo bonke ababolekisi.
Xa ufumana imali-mboleko, umbolekisi ufuna ukwazi ukuba uceba ukuyisebenzisa njani ipropati. Ukuba uza kuzithathela ngokwakho, inika umngcipheko omncinci kunomntu ojonge ukuyisebenzisa njengepropathi yotyalo-mali kwaye ayiqeshise. Ngesi sizathu, iimali zokubambisa ezibanjwe ngabanini zikholisa ukuba neentlawulo eziphantsi, kulula ukuzifumana, kwaye zibonelela ngenzala ephantsi.
Xa ufumana imali yokubambisa, kufuneka unyaniseke malunga neenjongo zakho malunga nepropati okanye unokuhlawuliswa ngobuqhetseba ngokuhlala. Kodwa kwenzeka ntoni ukuba ekuqaleni uceba ukuhlala ekhaya kwaye izicwangciso zakho ziyatshintsha?
