- Ikuvumela ukuthi ugweme ukukhokha intela yenzuzo yenhlokodolobha lapho uthengisa indlu yakho eyinhloko uma imali isetshenziselwa ukuthenga noma ukuvuselela enye indlu eyinhloko.
- Kubalulekile ukuhlangabezana nomnqamulajuqu weminyaka emibili wokutshalwa kabusha kwezimali nokufakazela ukuthi indawo entsha ihlalwa kahle zingakapheli izinyanga eziyishumi nambili.
- Ukukhululwa kungaba okuphelele noma okuyingxenye kuye ngokuthi yonke inani elitholwe ekuthengisweni liphinde latshalwa yini.
Uma kufika isikhathi sokufuduka, kungaba ngenxa yokuthi umndeni usukhulile, ithuba lomsebenzi selivele kwelinye idolobha, noma ngenxa yokuthi nje ushintsho lwendawo luyadingeka, sibhekana neqiniso lentela. Ukuthengisa impahla ngokuvamile kuhilela ukumemezela ukuthengiselana ku intela yengeniso ekuthengisweni kwezindlu Futhi, uma senze imali ngokuthengisa, kufanele siye ekhefini bese sikhokhela inzuzo enkulu umlobeli.
Kodwa-ke, imithetho yaseSpain inikeza ithuba elithakazelisayo kakhulu kulabo abangafuni intela inciphise isabelomali sabo lapho bethenga indlu entsha. Lena yindlela ethokozisayo yokuphumula. ukukhululwa ekutshalweni kabusha kwemali, indlela evumela ukuthi leyo nzuzo yezomnotho ingakhokhiswa intela uma nje imithetho ethile yomdlalo ehlobene nokujwayelekile kanye nezinsuku zokugcina ihlangatshezwa.
Yini ngempela le nzuzo yentela equkethwe yile?
Empeleni, kuyinzuzo evumela umnikazi ukuthi agweme ukukhokha intela enzuzweni etholakala ngokuthengisa ikhaya lakhe eliyinhloko, inqobo nje uma leyo mali itshalwa kabusha ku- ukutholwa noma ukuvuselelwa yendlu entsha ezoba yindawo yabo yokuhlala unomphela. Lokhu akuyona inqubo ezenzakalelayo, kodwa yilungelo okufanele limenyezelwe ngumkhokhi wentela ekubuyiselweni kwentela.
Le nzuzo ivikela amandla ezezimali ezakhamizi, ivimbele umthwalo wentela ekunciphiseni isabelomali esitholakalayo sokuthuthukisa ikhwalithi yempilo yazo. ikheli elishaLokhu kungasetshenziswa kungakhathaliseki ukuthi sithenga ifulethi elisetshenzisiwe, i-villa entsha sha, noma ngisho noma sinquma ukuvuselela indlu yesihlobo ukuze ihlaleke.
Izidingo ezibalulekile zokugwema intela
Ukuze sigweme izinkinga neziphathimandla zentela, kumele silandele amaphuzu amaningana abalulekile. Okokuqala, indawo esiyithengisayo kumele ukuthi yayingeyethu. Indlu ejwayelekileLokhu kusho ukuthi kumelwe ukuthi sesihlale lapho isikhathi esiqhubekayo okungenani iminyaka emithathu. Kodwa-ke, kunezimo ezingavamile lapho lesi sikhathi singahlangatshezwanga khona kodwa ukuhlala okujwayelekile kuyamukelwa, njengoba kwenzeka ezimweni zokukhubazeka. ukuhlukana komshado, ukufuduka emsebenzini, ukuthola umsebenzi wokuqala noma ukufa komnikazi.
Ngaphezu kwalokho, kubalulekile ukuthi indawo ibhekwe njengendawo yokuhlala eyinhloko kuze kube yisikhathi sokuthengisa noma, okungenani, nganoma yiluphi usuku lwenyanga. eminyakeni emibili edlule ekudluliselweni. Uma siqasha indlu ngaphambi kokuyithengisa, sisengazuza ekukhululweni inqobo nje uma lezi zikhathi zihlonishwa futhi isimo sendawo yokuhlala enkulu sigcinwe njengoba simisiwe.
Ngakolunye uhlangothi, impahla entsha kumele ihlangabezane nesidingo sokuhlala esivamile. Ngenxa yalokhu, kubalulekile ukuthi umkhokhi wentela ahlale lapho ngempumelelo nangokuhlala unomphela esikhathini esiphezulu se- izinyanga eziyishumi nambili kusukela ngesikhathi ukuthengwa kusayinwa noma umsebenzi wokwakha noma wokuvuselela usuqediwe.
Izinsuku zokugcina zokutshala imali kabusha kanye nezikhathi
Isikhathi siyisici esibalulekile lapha. Umthetho ubeka isikhathi esiphezulu se- iminyaka emibili ukwenza ukutshalwa kabusha kwezimali. Into ethakazelisayo ukuthi lesi sikhathi siyaguquguquka: singabalwa kokubili ngemva kokuthengiswa nangaphambi kwako. Okusho ukuthi, uma sithenga indlu entsha kuqala bese sithengisa endala phakathi neminyaka emibili ezayo, ukuthengiselana kusasebenza.
Uma ukuthengiswa kwenziwa ngezitolimende noma ngentengo ihlehlisiwe, ukutshalwa kabusha kwezimali kubhekwa njengokufike ngesikhathi inqobo nje uma imali evela kulezo zinkokhelo isetshenziselwa ikhaya elisha ngaphakathi kwe- isikhathi sentela lapho zitholwa khona. Kubalulekile ukuthi, uma ukutshalwa kabusha kungenzeki ngonyaka ofanayo nokuthengiswa, sikubhale phansi ephepheni lethu lentela. inhloso yokutshala kabusha imali.
Ukutshala imali kabusha okugcwele nokwengxenye: Kuthinta kanjani isikhwama sakho semali?
Akuhlali kunjalo ukuthi intengo yendlu entsha ilingana noma iphakeme kuneyangaphambilini. Yilapho izinhlobo ezimbili zokukhululwa zingena khona. ukutshalwa kabusha okupheleleInani eliphelele elitholwe ekuthengisweni (intengo yokudlulisela ngaphandle kwezindleko kanye nokukhanselwa kwemali mboleko) liyatshalwa, okushiya inzuzo ikhululiwe ngokuphelele enteleni.
Ngakolunye uhlangothi, uma ikhaya elisha lishibhile noma sinquma ukungatshali yonke imali, sibhekene ne- ukutshalwa kabusha kwezimali okungapheleleKulesi simo, ingxenye elinganayo yenzuzo ehambisana nenani elitshaliwe empeleni ayikhokhiswa intela. Isibonelo, uma siphinda sitshala u-60% wenani elitholiwe, sizokhokhiswa intela ku-40% kuphela walo. inzuzo enkulu.
Umbuzo ovame ukubuzwa uphathelene nokuxhaswa ngezimali. Ukuthatha imali mboleko yendlu entsha akukwenzi kube yinto engasebenzi. Okubalulekile ukuthi inani eliphelele lokutholwa yendlu entsha, kungakhathaliseki ukuthi ikhokhelwe ngemali yayo noma ngemali mboleko yasebhange.
Amacala akhethekile: Ukuvuselelwa kanye nezindlu ezakhiwayo
Ngezinye izikhathi ukutshala imali kabusha akubandakanyi ukuthenga indlu esiqediwe. Uma imali ibekelwe ukulungiswa kwekhayaKuphathwa njengokuthengwa uma nje umsebenzi ungowesakhiwo (izicabha, uphahla, ukuhlanganiswa) futhi izindleko zidlula u-25% wenani lemakethe noma lokuthengwa. Ukuthuthukiswa kwezimonyo okulula noma ukupenda akufanelanga le nzuzo yentela.
Endabeni izindlu ezakhiwayo Kumaphrojekthi okwakha wona, imithethonqubo iqinile, njengoba kunezinsuku ezimbili zokugcina okufanele ziqashwe. Okokuqala, isikhathi seminyaka emibili sokutshala imali, kanti okwesibili, isikhathi iminyaka emine ukuqedela iphrojekthi kusukela ngesikhathi utshalomali luqala. Uma ukwakhiwa sekuqediwe, umthetho uhlala uqhubeka zingakapheli izinyanga eziyishumi nambili.
Izinqubo zokuphatha kanye nezingozi zokungalandeli imithetho
Ukuze konke kuhambe kahle, kubalulekile ukonga konke amarisidi okuthenga nokuthengisa kanye nama-invoyisi omsebenzi wokwakha. Iziphathimandla zentela zingakucela lokhu noma nini ukuqinisekisa ukuthi imali idluliselwe ngokusemthethweni. Akumelwe sikhohlwe ukuthi uma sehluleka ukuhlangabezana nanoma yimiphi imibandela (njengokungathuthi endlini entsha ngesikhathi esivunyelwene ngaso), kuzodingeka sifake isicelo isitatimende esingezelelayo futhi ukhokhe ingxenye yenzuzo eyayikhululiwe, kufaka phakathi inzalo yokukhokha sekwephuzile.
Kuhle ukusho ukuthi kunezinye izinzuzo, njengokukhululwa okuphelele kwe- mdala kuneminyaka engu-65 abathengisa indawo yabo yokuhlala eyinhloko, okungahlala ndawonye noma kube yizinketho kuye ngesimo somuntu siqu somkhokhi wentela.
Ukuze uphumelele kule nqubo, kubalulekile ukunaka izinsuku zokugcina zeminyaka emibili zokuthenga kanye nezinsuku zokugcina zeminyaka emine zokwakha, ukuqinisekisa ukuthi indawo iyindawo yokuhlala eyinhloko futhi wazise ngokufanele inhloso yokutshala imali kabusha esimemezelweni saminyaka yonke ukuze ugweme ukumangala kwentela ne-Tax Agency.