Utshintsho kwirhafu yokudlulisa: ukuqala kunye nabatyalomali baqwalasele!

2021 ngunyaka apho izinto ezimbalwa ziya kutshintsha kwicandelo lomthetho kunye nemigaqo. Kukwimeko efanayo malunga nokudluliselwa kwerhafu. Nge-12 kaNovemba ka-2020, iNdlu yabaMeli ivumile umthetho oyilwayo wohlengahlengiso lwerhafu. Injongo yalo mthetho uyilwayo kukuphucula indawo yabaqalayo kwimarike yezindlu ngokunxulumene nabatyali mali, kuba abatyali mali bahlala bekhawuleza ngokuthenga indlu, ngakumbi kwizixeko (ezinkulu). Oku kwenza ukuba kube nzima kwabaqalayo ukuthenga indlu. Unokufunda kule bhlog ukuba loluphi utshintsho oluza kusebenza kuwo omabini la manqanaba ukusukela nge-1 Januwari 2021 kunye nento ekufuneka uyihoye ngenxa yoko.

Utshintsho kwirhafu yokudlulisa: ukuqala kunye nabatyali mali banikela ingqalelo! Umfanekiso

Amanyathelo amabini

Ukuze kufezekiswe iinjongo ezichazwe apha ngasentla zomthetho oyilwayo, iinguqu ezimbini, okanye ubuncinci amanyathelo, ziyakwaziswa kwicandelo lokudlulisa irhafu ukusuka ngo-2021. Kulindeleke ukuba oku kunyuse inani lemicimbi yezindlu ngabathengi bokuqala ukunciphisa intengiselwano yezindlu ngabatyali mali.

Umlinganiso wokuqala kule meko usebenza kubaqalayo kwaye, ngamafutshane, kubandakanya ukukhululwa kwirhafu yokudlulisa. Ngamanye amagama, abaqalayo akusafuneki ukuba bahlawule irhafu yokudlulisa ukusuka nge-1 Januwari 2021, ukuze ukuthengwa kwekhaya kubabize kakhulu. Ngenxa yokuxolelwa, iindleko zizonke ezinxulumene nokuthengwa kwekhaya, kuxhomekeke ekunyukeni kwexabiso lamakhaya, ziya kuncipha ngenene. Nceda uqaphele: ukukhululwa yinto enye kwaye ixabiso lekhaya alinakugqitha kwi-400,000 yeerandi ukusuka nge-1 Epreli 2021. Ukongeza, uxolelo lusebenza kuphela xa ugqithiso lwepropathi lwenzeka kwigqwetha lomthetho woluntu ngomhla okanye emva 1 NgoJanuwari 2021 kwaye umzuzu wokutyikitya isivumelwano sokuthenga awuthathi isigqibo.

Elinye inyathelo libhekisa kubatyali mali kwaye lithetha ukuba ukufunyanwa kwabo kuya kutsalwa ngerhafu ephezulu ukusuka kwi-1 Januwari 2021. Eli nqanaba lonyuswa ukusuka kwi-6% ukuya kwi-8% ngomhla okhankanyiweyo. Ngokungafaniyo nabaqalayo, oko kuye kubize kakhulu kubatyali mali ukuba bathenge indlu. Kubo, iindleko zizonke ezinxulumene nokuthengwa kwekhaya ziya kunyuka ngenxa yokunyuka kwenqanaba lerhafu yokuthengisa. Ngesiqhelo, eli zinga alihlawulisi irhafu kuphela ekufumaneni iindawo zokuhlala, kubandakanya indawo zeshishini, kodwa kunye nokufunyanwa kweendawo zokuhlala ezingasayi kusetyenziswa okanye okwethutyana njengendawo yokuhlala. Kule meko, ngokwememorandam echazayo kumthetho oyilwayo wohlengahlengiso lwerhafu, cinga, umzekelo, ikhaya leholide, indlu ethengwa ngabazali babo kunye nezindlu ezingathengwanga ngabantu bendalo, kodwa ngokomthetho. abantu abafana nemibutho yezindlu.

Ukuqala okanye umtyali mali?

Kodwa leliphi inyathelo omele ukuligcina engqondweni? Ngamanye amagama, ngaba uqala okanye utyalomali? Nokuba umntu ngenene ungena kwimakethi yezindlu ehlala umnini okokuqala kwaye engazange alifumane ikhaya ngaphambili, kunokuthathwa njengendawo yokuqala yokuphendula lo mbuzo. Nangona kunjalo, ngubani ofanelekileyo ukuba angayixolelwa inkcitho yokuqalisa kwaye kuye kunyuswe inani lerhafu yengeniso, ayimiselwanga ngokwesi sikhokelo. Ayinamsebenzi into yokuxolelwa nokuba wena njengomthengi sele unalo ikhaya ngaphambili. Ngamanye amagama, indlu ayifanelanga ukuba ibe likhaya lakho lokuqala elinomnini ukuze ufaneleke uxolelo.

Umthetho oyilwayo wohlengahlengiso lwerhafu yokudlulisa usebenzisa indawo yokuqala eyahlukileyo. Nokuba ungabekwa njenge-starter kwaye ke ubeke ithuba lokuxolelwa kokuqalisa kuxhomekeke kwiindlela ezintathu zokuqokelela. Iikhrayitheriya zezi zilandelayo:

  • Ubudala bomzuzi. Ukuze uthathelwe ingqalelo njengesiqalayo, kufuneka ube phakathi kweminyaka eli-18 nengama-35 ubudala. Umda ophezulu wama-35 usetyenzisiwe kwityala kuba uphando lwe-AFM lubonakalisile ukuba kunzima ngokomndilili ukuthwala iindleko zomthengi kubudala obuphantsi kweminyaka engama-35. Ukongeza, xa usenza isicelo sokuxolelwa kunye nomda ongezantsi weminyaka eli-18, kufuneka ubeneminyaka yobudala. Injongo yalo mda usezantsi kukuthintela ukusetyenziswa gwenxa kokukhululwa kwabasaqalayo: akunakwenzeka ukuba abameli bezomthetho basebenzise uxolelo xa bethenga indlu egameni lomntwana omncinci. Ngapha koko, umda wobudala kufuneka usetyenziswe ngomzuzi ngamnye, kwanaxa ikhaya elinye lifunyenwe ngabaninzi abafumana ngokudibeneyo. Ukuba omnye wabazuzi ungaphezulu kweminyaka eli-15, oku kulandelayo kuyasebenza kulo mthengi: akukho kukhululwa kuye.
  • Umzuzi akakaze asebenzise olu khululo. Njengoko sele kukhankanyiwe, ukukhululwa kwabaqalayo kunokusetyenziswa kube kanye. Ukuqinisekisa ukuba lo mthetho awophulwanga, kufuneka ubhengeze ngokucacileyo, ngokuqinileyo nangaphandle kokubhukisha ngokubhaliweyo ukuba awukwenzi ngaphambili ukukhululwa kokuqala. Isiteyitimenti esibhaliweyo kufuneka singeniswe kwigosa lomthetho likarhulumente ukuze lisebenzise uxolelo kwirhafu yokudlulisa. Ngokomgaqo, i-notary yomthetho woluntu inokuxhomekeka kule ngxelo ibhaliweyo, ngaphandle kokuba uyazi ukuba le ngxelo ikhutshwe ngokungachanekanga. Ukuba kubonakala emva koko ukuba wena njengomfumani ufake isicelo ukhululo kwangoko ngaphandle kwengxelo ekhutshiweyo, kusaza kwenziwa uvavanyo olongezelelekileyo.
  • Ukusetyenziswa kwendlu ngaphandle kwethutyana njengeyona ndawo yokuhlala iphambili ngumfumani. Ngamanye amagama, umda wokuxolelwa kwabasaqalayo umiselwe kuphela kubafumani abaya kuhlala ekhayeni. Ngokumalunga nale meko, ikwafuneka ukuba wena njengomfumani ubhengeze ngokubhaliweyo ngokucacileyo, ngokuqinileyo nangaphandle kokubhukisha ukuba indlu izakusetyenziswa ngaphandle kwethutyana kwaye njengendawo yokuhlala eyintloko, kunye nokungenisa le ngxelo ibhaliweyo ummeli olungisa izivumelwano ngaphambi kokufumana ukuba ukufunyanwa kuye. Ukusetyenziswa okwethutyana kuthetha, umzekelo, ukurenta kwendlu okanye ukusetyenziswa kwayo njengekhaya leholide. Ngelixa indawo yokuhlala enkulu ibandakanya ukubhaliswa ebandleni kunye nokwakha ubomi apho (kubandakanya imisebenzi yezemidlalo, isikolo, indawo yokunqula, ukukhathalela abantwana, izihlobo, usapho). Ukuba, njengomfumani, awuzukusebenzisa ikhaya elitsha njengeyona ndawo yokuhlala okanye okwexeshana ukusukela nge-1 Januwari 2021, usaya kuhlawuliswa irhafu kwinqanaba le-8%.

Uvavanyo lweenqobo zokugweba, kuze ke impendulo kumbuzo wokuba ukulungele na ukwamkelwa isicelo, lwenzeka xa kufunyanwa indlu. Ngokukodwa, lo ngumzuzu xa iitayitile zentengiso zenziwe kummeli wenqaku. Kwangoko ngaphambi kokuphunyezwa kwencwadi yesaziso, ingxelo ebhaliweyo malunga nemeko yesibini neyesithathu kufuneka nayo ingeniswe kwigosa laseburhulumenteni. Umzuzu ekutyikitywe ngawo isivumelwano sokuthenga awuchaphazeli ukukhutshwa kwesiteyitimenti esibhaliweyo, njengoko kunjalo nangokufumana uxolelo lwabaqalayo.

Ukuthengwa kwekhaya linyathelo elibalulekileyo kubo bobabini abaqala kunye nabatyali mali. Ngaba uyafuna ukwazi ukuba lololuphi udidi kwaye yeyiphi imilinganiselo ekufuneka uyithathele ingqalelo ukusuka ngo-2021 ukuya phambili? Okanye ngaba ufuna uncedo ngokwenza ingxelo efunekayo yokukhululwa? Emva koko qhagamshelana Law & More. Amagqwetha ethu ziingcali kwezokuthengiswa kwezindlu kunye nomthetho wesivumelwano kwaye bayakuvuyela ukukunika uncedo neengcebiso. Amagqwetha ethu nawo angakuvuyela ukukunceda kwinkqubo yokulandela, umzekelo xa kuziwa ekuzobeni okanye ukujonga ikhontrakthi yokuthenga.

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