Uma kufanele sithengise indlu yethu ukuze sithuthele kwenye, kuyinto evamile ukuzibuza ukuthi iziphathimandla zentela zizothatha malini. ESpain, kunendlela yentela enamandla kakhulu evumela inzuzo enkulu evela ekuthengisweni ukuthi ingakhokhiswa intela yengeniso, uma nje imithetho ethile ephathelene nokutshalwa kabusha kwenhloko-dolobha ihlangatshezwa.
Lokhu akusona isipho, kodwa kuyisikhuthazo semindeni ukuba ithuthe ngaphandle kokuba umthwalo wentela ube yisithiyo. Ngezansi, sichaza yonke imininingwane yobuchwepheshe nesebenzayo , ngokusekelwe kuMthetho Wentela Yengeniso Yomuntu Siqu kanye nezincazelo zakamuva zenkantolo, ukuze ungahlangabezani nanoma yiziphi izimanga lapho ufaka ifomu lakho lentela.
Yini ngempela eyakha indawo yokuhlala eyinhloko ngenhloso yentela?
Ukuze ungakhokhi intela, ukusho nje ukuthi "indlu engihlala kuyo" akwanele. Ngokomthetho, indawo yokuhlala eyinhloko ichazwa njengesakhiwo esibe yindawo yokuhlala yangempela nehlala unomphela yomkhokhi wentela okungenani iminyaka emithathu elandelanayo. Ukubhaliswa ekhelini kuphela akwanele; iziphathimandla zentela zingabheka izikweletu zamanzi nogesi ukuqinisekisa ukuthi ubuhlala lapho ngempela.
Ngezinye izikhathi impilo isishiya simatasa futhi asifinyeleli kuleyo minyaka emithathu. Kulezo zimo, imithethonqubo iyaguquguquka futhi ivumela izimo ezihlukile ezifanele . Isibonelo, uma kufanele uthuthe ngenxa yokufuduka emsebenzini okuphoqelekile, uma usanda kushada, noma uma kukhona inqubo yokuhlukana noma yesehlukaniso eqhubekayo, ungagcina isimo sakho sokuhlala njalo noma ngabe awukahlangabezani nemfuneko yokuhlala encane.
Ezinye izimo iziphathimandla zentela ezivame ukuzamukela zifaka phakathi ukufa komnikazi, ukuqashelwa kokukhubazeka okwenza impahla ingafaneleki, noma izimo ze-force majeure. Kodwa-ke, qaphela: ukusho ukuthi uthuthile ngoba "ubufuna indawo engcono" noma ukuthi uqasha indlu yakho eyinhloko okwesikhashana ngenkathi uyithengisa ngokuvamile akuzona izizathu ezizwakalayo futhi kungenza inzuzo ingasebenzi.
Imithetho kanye nezinsuku zokugcina zokutshala imali kabusha
Ingqikithi yale nzuzo isikhathi. Unesikhathi seminyaka emibili sokuqedela ukuthengiselana. Ngokuthakazelisayo, lesi sikhathi sisebenza ngezindlela zombili: ungathengisa kuqala bese uthenga kamuva, noma uthenge indlu entsha ngaphambi kokuthengisa endala. Zombili izinketho zisebenza uma nje isikhathi esiphakathi kwezincwadi ezimbili singadluli izinyanga ezingu-24.
Uma unquma ukuthenga kuqala, khumbula ukuthi lokhu kuthenga kumele kumenyezelwe njengokutshalwa kabusha okulindelekile . Uma uthengisa kuqala futhi ungayithengi indlu entsha ngonyaka ofanayo, kudingeka ubonise ephepheni lakho lentela lalowo nyaka ukuthi uhlose ukutshala kabusha imali esikhathini esizayo.
Kulabo abakhetha ukwakha ikhaya labo noma ukuthenga indawo ngaphandle kohlelo, izikhathi ziyashintsha kancane. Isikhathi sokutshala imali seminyaka emibili sisekhona, kodwa isikhathi seminyaka emine sinikezwa ukuze kuqedwe ukwakhiwa futhi kutholakale ubunikazi obusemthethweni bendawo yokuhlala entsha eyinhloko.
Ukubalwa kwenani kanye nezinhlobo zokukhululwa
Iphutha elivame kakhulu ukucabanga ukuthi udinga ukutshala kabusha inzuzo kuphela. Akukho okungaba kude neqiniso: iziphathimandla zentela zibheka inani eliphelele elitholwe ekuthengisweni. Uma uthengisa ngo-€300.000, yilelo nani okumele ulitshale kabusha ukuze ukukhululwa kuphelele. Kodwa-ke, uma unemali mboleko yendlu engakakhokhwa, ungasusa imali eyinhloko yemali mboleko oyikhokhile ngesikhathi sokuthengisa, bese utshala kabusha kuphela inani eliphelele eliphumayo.
- Ukutshalwa kabusha okuphelele: Uma ubeka yonke imali etholwe ekuthengeni noma ekuvuseleleni ikhaya elisha, inzuzo iyasala. akukho ntela ngokuphelele.
- Ukutshalwa kabusha kwezimali okuyingxenye: Uma uphinda utshale ingxenye yemali kuphela, ukukhululwa kuzoba okulingana. Isibonelo, uma uphinda utshale u-60% wemali etholiwe, kuphela 60% wenzuzo bazoyeka ukukhokha intela, kanti abanye bazokhokha intela yengeniso ehambisanayo.
Kubalulekile ukusho ukuthi izindleko ezihambisana nokuthengwa okusha, njenge- Property Transfer Tax (ITP) , izimali zommeli kanye nokubhaliswa, zengezwa enanini lokuthengwa futhi zibalwa njengenzuzo yakho njengengxenye yenani eliphinde latshalwa kabusha.
Amacala akhethekile: Abantu abangaphezu kweminyaka engama-65 kanye nokuvuselelwa
Kukhona iqembu labantu abanendlela elula kakhulu. Abakhokhi bentela abaneminyaka engu-65 noma ngaphezulu ngesikhathi sokuthengisa, noma abasesimweni sokuthembela kakhulu, akudingeki baphinde batshale imali eyodwa ye-euro. Inzuzo evela ekuthengisweni kwekhaya labo eliyinhloko ayikhokhelwa ngokuzenzakalelayo , kungakhathaliseki ukuthi benzani ngemali ngemva kwalokho.
Ngakolunye uhlangothi, kukhona inketho yokuvuselela. Uma ungayithengi indlu entsha kodwa utshale imali emsebenzini wokwakha endaweni osuvele unayo (isibonelo, ezuzwe njengefa), ungafaka isicelo sokukhululwa. Kodwa-ke, ukulungiswa kwezimonyo noma ukupenda akufanelekile; umsebenzi kumele uhilele ukuqinisa izakhiwo, ama-facade, noma uphahla oludlula u-25% wenani lemakethe yendawo .
Izincazelo zomthetho kanye nomthetho wamacala wakamuva
Muva nje, kube noshintsho oluyisisekelo ekuchazeni le nzuzo. INkantolo Ephakathi Yokuphatha Ezomnotho (i-TEAC) isungule ukuthi ukukhululwa ekutshalweni kabusha kwezimali akuyona nje inketho yentela, kodwa yilungelo labakhokhi bentela . Lezi yizindaba ezinhle, njengoba kuvumela abakhokhi bentela ukuthi bacele ukulungiswa kwembuyiselo yentela efakwe eminyakeni edlule uma bengabonisa ukuthi izidingo zihlangatsheziwe, uma nje zingaphakathi komthetho weminyaka emine wemikhawulo .
Elinye iphuzu elibalulekile ukusetshenziswa kwempahla phakathi kokuthengiswa nokuthengwa. Ngokwezinqumo ezihlobene ezivela ku-Directorate General of Taxes (DGT) yaseSpain, uma uyeka ukuhlala endlini yakho bese uyiqasha okwesikhashana, kodwa uyithengise kungakapheli iminyaka emibili kusukela umise ukuhlala kwakho, iyaqhubeka nokubhekwa njengendawo yakho yokuhlala eyinhloko. Iqiniso lokuthi yaqashwa alikwenzi kungabi namsebenzi ilungelo lokukhululwa, uma nje isikhathi sihlonishwa.
Ngokwezinga elingokoqobo, khumbula ukuthi ukwehluleka ukuthobela noma yimiphi yale mibandela kuzoholela ekutheni ingxenye engakhululwa ikhokhiswe intela. Kuleso simo, kuzodingeka ufake ifomu lentela elilungisiwe elihlanganisa inzalo yokukhokha sekwephuzile kusukela ngosuku inzuzo yokuqala eyatholwa ngalo.
Ukuze udlule kule nqubo ngaphandle kwamaphutha, kubalulekile ukubhala phansi isinyathelo ngasinye ngezitifiketi zokubhalisa, ama-utility bill kanye nezincwadi ezicacile, ukuqinisekisa ukuthi ukuxhumana okuqondile phakathi kwempahla ethengisiwe nethengiwe akunakuphikwa ukuze kuvinjelwe iHhovisi Lentela ekungabazeni inzuzo yentela.
