Ikhatyhuleyitha yeendleko zokuthenga ipropathi eSpain
Njengakumazwe amaninzi, kuya kufuneka kwakhona uthathele ingqalelo intlawulo yerhafu yepropathi eSpain, ukuba ucinga ukuthenga indlu okanye indawo yokuhlala apho. Nokuba uza kuthenga ikhaya elisandula kwakhiwa okanye elisetyenzisiweyo, kufuneka wazi ukuba akukho nanye kwezi zinto zimbini isebenza kuzo ekhululwe kwirhafu.
Ngaphambi kokuqhubeka, kubalulekile ukukhumbula ukuba nangona iirhafu zokuthengwa kwekhaya, ngokomgangatho kunye nobungakanani, enye yeendleko ezibaluleke kakhulu zolu hlobo lomsebenzi, akuzona kuphela oza kujongana nazo. Kuya kufuneka kwakhona ucinge iindleko ezithathwe kwiinkqubo eziqhutywe ngummeli, ezinokuthi zibe malunga namawaka ambalwa eeuro, kunye nerhafu yokubhaliswa kwepropati (ITP) ehlala ijikeleze i-8-10% yexabiso lentengiso. Usenokunqwenela ukuqesha igqwetha, eliya kuxabisa malunga ne-1% yexabiso lentengiso. Kwakhona, ukuba ufaka isicelo se-mortgage, ungakulibali ukongeza iindleko zale mboleko, isixa-mali senzala kwimali-mboleko, kunye novavanyo kunye nekhomishini yokuvula.
Iingozi zokuthenga ipropathi eSpain
Ingxaki yezempilo, ukuvalelwa kunye nazo zonke iziphumo ezibi ezahlukeneyo oye waba nazo ubhubhane kuqoqosho kwaye kwimihla yethu ubomi bemihla ngemihla buchaphazele ubudlelwane bezibini ezininzi. ESpeyin kuphela, ngokweenkcukacha zeBhunga eliPhambili leeNkundla, kwikota yesithathu ye-2020, izicelo ezingama-25.732 zokwahlukana kunye noqhawulo-mtshato zabhaliswa. Oku kumele nge-16% ngaphezulu kwezo zithiwe thaca kwithuba elifanayo lonyaka ophelileyo. Kubo, ngaphezu kwesiqingatha babevumelene. Ngapha koko, kusenokwenzeka ukuba uninzi lwezi zibini zabelana ngobunini bamakhaya.
Kule meko, ukuthengiswa kwendlu emva kokuqhawula umtshato yenye yezona zisombululo eziqhelekileyo kwaye enye yezinto ezihlala zixhalabisa izibini ezihamba kule meko irhafu: yiyiphi irhafu ekufuneka ihlawulwe ngokuthengiswa kwendlu eMallorca. , Menorca okanye Ibiza emva kokuqhawula umtshato, kwaye le ntlawulo isasazwa njani phakathi kwamaqela?
I-Personal Income Tax (IRPF) ihlawulwa kwinzuzo eyinkunzi efunyenweyo. Kubalwa kuthathelwe ingqalelo amaxabiso okuthenga kunye nentengiso yekhaya kunye nezinye izinto ezinokuchaphazela irhafu yerhafu. Oku kunokuba, umzekelo, zonke iindleko eziye kwafuneka zihlawulwe kwintengiso kunye nokuthengwa kwendlu kunye neendleko zohlaziyo olukhulu oluye lwenziwa endlwini.
Ukuthenga ipropathi eSpain ukusuka eIreland
Uninzi lwabantu abathatha isigqibo sokuthenga ikhaya kufuneka bafake isicelo semali mboleko yemali mboleko kwiziko lezemali ukuze bakwazi ukuhlangabezana nentlawulo. Inyathelo lokuqala ekufuneka lithathwe, ke ngoko, kukufumanisa malunga nezibonelelo ezikhoyo kunye nezibophelelo ekungenwe kuzo.
Njengoko ibhanki okanye ibhanki yokonga inesiqinisekiso esisebenzayo ngokukodwa, esiyipropati yokubambisa, inokunika imali-mboleko ixesha elide kunye nezinga lenzala enenzuzo kunelo mboleko lomntu.
Oku akukuphela kwendlela yokubambisa enokwenzeka. Iqumrhu lezemali lidla ngokufuna, ukongeza kwi-mortgage, isiqinisekiso esibandakanya umntu omnye okanye abaninzi abaxhasa umboleki, ukuzibophelela ukwenza iintlawulo ukuba lowo wokugqibela akakwenzi oko.
Uxanduva lomntu wonke: Kufuneka kuthathelwe ingqalelo ukuba otyalwayo ocela imali-mboleko uphendula ngayo yonke impahla yakhe yangoku neyexesha elizayo yokuhlawula imali-mboleko yokubambisa. Ukuba ukuthengiswa kwepropati yokubambisa akufumani ngokwaneleyo ukuhlawula ityala, iibhanki ezinike imali mboleko ziya kufuna ukuba umboleki enze intlawulo kunye nayo nayiphi na enye impahla abanayo ngelo xesha okanye kwixesha elizayo.
Iindleko zenyanga zokuba nekhaya eSpain
Olu luntu luzimeleyo lutsala abaphulaphuli bamazwe angaphandle kunye nabelizwe. Iindidi ezininzi zomhlaba: ukusuka ezintabeni kunye nekhephu, ukuya elangeni naselunxwemeni, yenza le ndawo yaseSpain ibe yenye yezona zidumileyo ngokuthatha isigqibo sokuthenga ikhaya lesibini okanye indawo yokuphumla kunye nomhlalaphantsi.
Iirhafu xa kuthengwa ikhaya e-Andalusia yimali ebalulekileyo kwiintsapho ezininzi, ezifuna ukwazi ngokuchanekileyo kangangoko kunokwenzeka ukuba ziza kuhlawula malini kwipropati yazo. Kulo myalezo sicacisa zonke iindleko ezihambelana nokuthengwa kwe-Andalusia, kungakhathaliseki ukuba luhlobo luni lwepropati efunyenweyo, ingaba yindlu yokunethezeka yaseMarbella, i-second-hand apartment okanye idolophu yaseNueva Andalucía.
Xa kuthengwa ikhaya kuya kufuneka sijongane neendleko ezibandakanyekayo ekuthengeni ikhaya elitsha kraca okanye elisetyenzisiweyo. Ezi ndleko ubukhulu becala lixabiso lendlu ekufuneka ihlawulwe kumthengisi, kunye neerhafu (ITP okanye i-VAT ne-AJD), ukongeza kwimirhumo kunye nezinye iinkonzo ezingaphakathi ekuthengweni kwendlu. Eli candelo libalwe ngokweendleko ezikhoyo kunye neerhafu zokuthengwa kwekhaya e-Andalusia ngo-2020.
