Ngaba kufuneka ndihlawule irhafu kumvuzo wam wokurenta?
Abazali bam bahlala kwindlu endineminyaka eyi-12 ndinayo kwaye bandihlawula ngokwaneleyo nyanga nganye ukuze ndihlawule imali yokubambisa. Okwangoku andihlali endlini. Ngaba kuya kufuneka ndihlawule irhafu kwimali abandihlawula yona? Ngaba kukho naziphi na izivumelwano okanye amaxwebhu ekufuneka ndiwazi?
I-HMRC iphantse yatsho ukuba imali oyihlawulwa ngabazali bakho irentwa ngokuhlala endlwini, kwaye ngenxa yoko yingeniso erhafiswa kuwe. De kube nguAprili 2017, oku akuthethi ukuba uya kuhlawula nayiphi na irhafu yengeniso kwirenti, kuba iindleko zakho ezivumelekileyo (okt, inzala) zilingana nomvuzo wakho orhafiswayo (okt, irenti). Kodwa ukususela ngo-Aprili 2017, imithetho itshintshile. Ukuba xa le renti yongezwa komnye umvuzo orhafiswayo kunyaka werhafu awudluli umyinge wezinga eliphezulu (okt. i-£50.000 ngo-2019/20), ukufunyanwa kwerenti erhafiswayo akuyi kukwenza ukuba uhlawule ngaphezulu kwerhafu yengeniso kuba irhafu ikhredithi oyifumanayo ngentlawulo yenzala (nge-20%) iya kuphelisa umphumo wokufumana irenti. Nangona kunjalo, ukuba ingqokelela yengeniso ibangela ukuba uye kumazinga aphezulu, kuya kubakho umahluko wokwenyani kwirhafu yengeniso ekufuneka uyihlawule.
Hlawula irenti kunye ne-mortgage ngaxeshanye
UDawn Papandrea yingcaphephe yekhadi letyala elineminyaka engaphezu kwe-10 yamava kumakhadi okuthenga ngetyala, ebhankini, nakwimali yobuqu. Uphononongo lwakhe lwamakhadi okuthenga ngetyala kunye nezinye iimveliso zemali zivela kwi-Balance kunye nezinye iisayithi zezimali zomntu. UDawn ufumene isidanga senkosi kubuntatheli kunye nonxibelelwano oluninzi kwiYunivesithi yaseNew York kunye nesidanga sesiNgesi kwiYunivesithi yaseSt.
UDoretha Clemons, Ph.D., MBA, PMP, ube ngumphathi we-IT kunye nomfundisi we-34 iminyaka. Ungunjingalwazi oncedisayo kwiiKholeji ze-Connecticut State kunye neeYunivesithi, iYunivesithi yaseMaryville, kunye neYunivesithi yase-Indiana Wesleyan. Ungumtyali wezindlu kunye nomlawuli weBruised Reed Housing Real Estate Trust, kunye nomnini welayisensi yokuphucula ikhaya evela kwiState of Connecticut.
Abantu abaninzi bathenga izindlu kwaye banethemba lokuhlala kuyo kwikamva elibonakalayo. Kodwa ngamanye amaxesha iimeko zobomi ziyatshintsha, kwaye unokucinga ngokurenta indlu kangangenxalenye yonyaka, okanye ufumane umvuzo wokurenta ngokurenta inxalenye yendlu ohlala kuyo.
Ndingayirenta malini indlu yam ngaphandle kokuhlawula irhafu?
Ucinga ngokuthenga ikhaya kwaye uzibuza ukuba uza kuzihlawula njani iintlawulo zakho zokubambisa kwaye usenobomi? Ngaba uyakhumbula ukuba umzala wakhe uJimmy wathi ukhangela indawo yokuhlala entsha? Ngokuqinisekileyo, "uyinto engaqhelekanga" ngengqokelela yakhe yabakrweli ngasemva kunye nazo zonke, kodwa ukuba ukuhlala nezixhobo zakhe ezingaqhelekanga eziphathwa ngesandla kuthetha ukuba uya kufumana uncedo malunga nerenti, kutheni kungenjalo?
Ukusingatha undwendwe kunokuba yindlela esebenzayo yokukunceda ukuba uhlawule imali-mboleko, kodwa ayizukuba yibhiya kunye ne-bowling. Ukuba uza kubamba umqeshi, kufuneka uthathele ingqalelo ezinye iimpembelelo ezibaluleke kakhulu, njengoko sichaza kweli nqaku.
Imali oyifumanayo kumntu odla umhlala-phantsi iya kuthathwa njengengeniso enokuvavanywa yiOfisi yeRhafu yase-Australia (ATO), kwaye kuya kufuneka uyichaze kwimbuyekezo yakho yerhafu. Usenokukwazi ukwenza ibango lokutsalwa kweendleko ezinxulumene nokurenta inxalenye yekhaya lakho, njengenzala yemali-mboleko. Nangona kunjalo, ukuba urenta kwilungu losapho ngexabiso elithotyiweyo okanye elingaphantsi kwemarike, kunokuchaphazela into ongayenza ibango. Kwezinye iimeko, iintlawulo zesizalwane zegumbi kunye nebhodi okanye inkxaso zinokugqalwa njengokuhlaliswa kwekhaya hayi ingeniso yerenti, ngoko usenokungakwazi ukwenza ibango lokutsalwa kwerhafu.
Ngaba ndingarenta iflethi yam ukuba ndinemali-mboleko?
Ukurenta indlu yakho, okanye igumbi nje, kunokuba yindlela elungileyo 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?
