Xav txog qhov chaw nyob lossis kev lag luam tsiv mus rau UK? Nyeem peb Phau Ntawv Qhia Txog Cov Khoom Siv Hauv Tsev thiab Kev Lag Luam hauv UK
Cov neeg txawv teb chaws puas tuaj yeem yuav khoom vaj khoom tsev hauv UK?
Yog lawm. Tsis muaj ib yam dab tsi txwv tsis pub ib tus neeg nyob hauv UK lossis koom nrog lub koom haum yuav khoom hauv UK (txawm tias ib tus neeg yuav tsum muaj hnub nyoog 18 xyoo lossis siab dua kom muaj lub npe raug cai rau cov cuab yeej thiab cov koom haum txawv teb chaws yuav tsum ua ntej tau txais cov khoom tsim nyog ua ntej. sau npe ntawm Tuam Tsev Tsev ua raws li Txoj Cai Kev Ua Phem Txhaum Cai (Kev Pom Kev Pom Zoo thiab Kev Ua Haujlwm) Txoj Cai 2022).
Lwm yam tshaj li cov saum toj no, cov kev cai sib txawv siv nyob rau hauv Scotland thiab Northern Ireland as opposed to property in England and Wales. Peb yuav tsom mus rau hauv qab no ntawm cov khoom nyob hauv tebchaws Askiv thiab Wales. Yog tias koj npaj siab yuav khoom vaj khoom tsev hauv Scotland lossis Northern Ireland, thov nrhiav kev tawm tswv yim ywj pheej los ntawm tus kws tshaj lij hauv thaj chaw ntawd.
Cov lus qhia hauv qab no yog tsom rau cov khoom nyob hauv tebchaws Askiv thiab Wales.
Koj pib nrhiav vaj tsev li cas?
Muaj ntau cov cuab yeej tshawb nrhiav hauv online. Kev lig kev cai cov koom haum tshwj xeeb hauv kev lag luam lossis vaj tsev nyob tab sis tsis yog ob qho tib si. Pib nrog lub tshuab tshawb nrhiav los sib piv cov khoom hauv koj lub nroog uas koj xaiv lossis lwm qhov chaw thiab tau ntsib nrog tus neeg sawv cev hauv zos tshaj tawm cov cuab yeej los npaj kev saib. Kev sib tham tus nqi hauv qab tus nqi tshaj tawm yog qhov ntau.
Vim li cas thiaj tseem ceeb rau kev saib tej vaj tse?
Thaum koj pom ib qho khoom nws yog ib qho tseem ceeb uas yuav tsum tau pom nws, ua raws li kev tshawb fawb ua ntej ua ntej tawm tsam nws (tus kws lij choj vaj tse lossis tus neeg xa khoom tuaj yeem tuaj yeem pab koj) lossis nug tus kws tshawb fawb saib nws.
Lub hauv paus ntsiab lus ntawm caveat emptor ("cia tus neeg yuav khoom ceev faj") siv raws li txoj cai lij choj. Tus neeg yuav khoom ib leeg yog lub luag haujlwm rau kev kuaj xyuas cov khoom. Kev yuav khoom yam tsis tau ua raws li kev saib lossis kev soj ntsuam yuav nyob rau hauv feem ntau yog nyob rau ntawm tag nrho cov kev pheej hmoo ntawm tus neeg yuav khoom. Cov neeg muag khoom feem ntau yuav tsis muab kev lav phib xaub lossis kev them nyiaj raws li qhov tsim nyog ntawm cov cuab yeej.
Koj them nyiaj li cas rau kev yuav khoom?
Tus neeg saib xyuas vaj tsev thiab txhua tus kws tshaj lij koom nrog hauv kev muag khoom yuav xav paub seb koj xav li cas txog nyiaj txiag yuav khoom. Qhov no tuaj yeem yog nrog nyiaj ntsuab, tab sis feem ntau ntawm cov cuab yeej yuav khoom hauv tebchaws Askiv thiab Wales yog los ntawm kev qiv nyiaj qiv / vaj tse. Tsis muaj kev txwv rau cov neeg txawv teb chaws kom tau txais UK qiv nyiaj los pab nyiaj txiag kev yuav khoom txawm hais tias koj yuav ntsib cov kev cai nruj dua, lub luag haujlwm them nyiaj ntau dua thiab cov paj laum ntau dua.
Yam kev cai lij choj "xov xwm" rau cov cuab yeej yog dab tsi koj xav yuav?
Feem ntau, cov cuab yeej yog muag nrog cov npe khoom ntiag tug (koj muaj nws kiag li) lossis daim ntawv xauj tsev (yug tawm ntawm cov khoom ntiag tug uas koj muaj rau ntau xyoo) - ob qho tib si yog cov cuab yeej cuab tam hauv av. Ib tug xov tooj ntawm lwm yam kev txaus siab raws li txoj cai thiab cov txiaj ntsig muaj txiaj ntsig kuj muaj tab sis cov no tsis suav nrog ntawm no.
Nws Majesty's Land Registry tuav lub npe ntawm txhua lub npe raug cai. Yog tias koj tus nqi muab tau txais koj tus kws pab tswv yim kev cai lij choj yuav tshuaj xyuas cov npe cuam tshuam ntawm cov npe kev cai lij choj rau cov cuab yeej ntawd kom pom tias cov cuab yeej koj yuav raug muag raug puas tsuaj. Cov lus nug ua ntej daim ntawv cog lus tseem yuav raug tsa nrog tus neeg muag khoom kom ntseeg tau tias tsis muaj kev txaus siab rau cov neeg thib peb hauv cov cuab yeej uas yuav tsis pom tseeb los ntawm koj qhov chaw mus ntsib.
Yog tias ntau tshaj ib tus neeg yuav khoom xav tau cov cuab yeej, cov cuab yeej yuav tuav li cas?
Lub npe raug cai rau cov cuab yeej muaj peev xwm tuav tau txog li plaub tus tswv raws cai.
Tej zaum yuav muaj cov txiaj ntsig se lossis qhov tsis zoo rau qhov koj txiav txim siab tuav cov khoom raws li tus tswv raws cai thiab seb qhov ntawd yog los ntawm cov tib neeg lossis cov koom haum koom nrog lossis kev sib koom ua ke ntawm ob qho tib si. Nws yog ib qho tseem ceeb uas yuav tau txais cov lus qhia ua se ywj pheej nyob rau theem pib.
Qhov twg cov cuab yeej yog npaj los tuav los ntawm cov tswv cuab, xav seb lub npe raug cai yuav tsum tuav los ntawm cov tswv cuab ua "cov neeg xauj tsev" (cov tswv cuab muaj txiaj ntsig ntawm txhua qhov kev tuag rau lwm tus tswv cuab) lossis " Cov neeg xauj tsev sib koom" (cov txiaj ntsig muaj txiaj ntsig muaj, dhau ntawm kev tuag rau lawv cov cuab yeej cuab tam lossis ua raws li lawv lub siab nyiam).
Ua li cas tom ntej no?
Koj tau pom ib qho cuab yeej thiab koj tus nqi muab tau txais thiab koj tau txiav txim siab tias leej twg yuav tuav lub npe raug cai rau cov cuab yeej. Yuav ua li cas ntxiv?
Koj yuav tsum tau qhia tus kws lij choj lossis tus neeg xa khoom kom ua raws li kev mob siab rau, tsa cov lus nug, ua raws li kev tshawb fawb ua ntej ua ntej thiab qhia koj txog kev lav phib xaub. Koj yuav tsum dhau qhov "paub koj tus neeg siv khoom" raws li kev mob siab rau ua ntej txoj haujlwm raug cai pib ua haujlwm yog li npaj los nrhiav cov ntaub ntawv cuam tshuam uas xav tau rau kev ntxhua khaub ncaws thiab lwm yam tshev.
Thaum muas ib lub freehold los yog leasehold raug tus nqi, daim ntawv cog lus feem ntau yog tsim thiab sib tham ntawm ob tog. Thaum nws tau pom zoo, daim ntawv cog lus yog "hloov" thaum lub sijhawm tso nyiaj tau them rau tus neeg muag khoom tus neeg hais plaub (feem ntau nyob ib ncig ntawm 5 mus rau 10% ntawm tus nqi yuav khoom). Thaum ib daim ntawv cog lus pauv ob tog yuav tsum ua daim ntawv cog lus (muag thiab yuav) raws li cov lus cog tseg. "Kev ua tiav" ntawm qhov kev sib pauv tshwm sim nyob rau hnub uas tau teev tseg hauv daim ntawv cog lus thiab feem ntau yog ib hlis tom qab tab sis tuaj yeem ua sai dua lossis ntau tom qab, nyob ntawm seb daim ntawv cog lus puas raug raws li qhov txaus siab.
Tom qab ua tiav ntawm qhov kev hloov pauv ntawm cov khoom ntiag tug lossis cov khoom xauj tsev ntev, qhov nyiaj tshuav ntawm tus nqi yuav khoom yuav raug them. Rau cov ntawv xauj tsev luv luv ntawm ob qho tib si kev lag luam thiab cov vaj tsev nyob, thaum daim ntawv xauj tsev tshiab tau sau hnub tim, qhov teeb meem tau ua tiav thiab tus tswv tsev yuav xa tus neeg xauj tsev tshiab rau ib daim ntawv them nqi xauj tsev, nqi kev pabcuam thiab kev tuav pov hwm raws li cov lus cog tseg.
Tus neeg yuav khoom / tus neeg xauj tsev yuav tsum tau ua daim ntawv thov rau Nws Majesty's Land Registry kom tso npe hloov pauv / xauj tsev tshiab. Lub npe raug cai yuav tsis dhau mus txog thaum sau npe tiav.
Cov se twg yuav tsum tau txiav txim siab thaum ua daim ntawv xauj tsev lossis lub npe pub dawb?
Kev them se los ntawm kev muaj ib qho khoom ntiag tug lossis kev xauj tsev nyob hauv UK feem ntau yuav nyob ntawm seb yog vim li cas tus kheej lossis cov koom haum koom nrog tuav cov cuab yeej. Tus neeg yuav khoom tuaj yeem yuav lossis xauj ib lub cuab yeej los nyob hauv, nyob hauv thaj chaw los ua lawv tus kheej kev lag luam los ntawm, muaj peev xwm los tsim kom paub txog cov nyiaj tau los xauj lossis yuav yog kev nqis peev los tsim thiab muag rau cov nyiaj tau los. Cov se sib txawv siv rau txhua theem yog li nws yog ib qho tseem ceeb uas yuav tau tham nrog tus kws tshaj lij se ua ntej, nyob ntawm seb koj muaj phiaj xwm dab tsi rau cov cuab yeej.
Ib qho se uas them tsis pub dhau 14 hnub tom qab ua tiav daim ntawv cog lus lossis hloov khoom vaj khoom tsev hauv tebchaws Askiv (tshwj tsis yog ib qho ntawm cov kev txwv tsis pub siv lossis kev zam) yog lub luag haujlwm se av ("SDLT").
Rau cov vaj tsev nyob saib cov nqi hauv qab no. Txawm li cas los xij, tus nqi ntxiv ntawm 3% ntxiv yog them rau sab saum toj yog tias tus neeg yuav khoom twb muaj vaj tse nyob rau lwm qhov:
| Property los yog lease premium lossis hloov tus nqi | SDLT tus nqi |
| Mus txog £ 250,000 | Xoom |
| Tom ntej no £ 675,000 (ib feem ntawm £ 250,001 txog £ 925,000) | 5% |
| Tom ntej no £ 575,000 (ib feem ntawm £ 925,001 txog £ 1.5 lab) | 10% |
| Cov nyiaj seem (qhov seem saum toj £ 1.5 lab) | 12% |
Thaum yuav ib lub tsev xauj tsev tshiab, txhua tus nqi yuav raug them se raws li saum toj no. Txawm li cas los xij, yog tias tag nrho cov nqi xauj tsev hauv lub neej ntawm daim ntawv xauj tsev (lub npe hu ua 'net tam sim no tus nqi') yog ntau dua li SDLT qhov pib (tam sim no £ 250,000), koj yuav them SDLT ntawm 1% ntawm feem ntau dua £ 250,000. Qhov no tsis siv rau kev xauj tsev ('assigned') uas twb muaj lawm.
Yog tias koj tsis nyob hauv UK tsawg kawg yog 183 hnub (6 lub hlis) hauv 12 lub hlis ua ntej koj yuav khoom, koj tsis yog neeg nyob hauv UK rau lub hom phiaj ntawm SDLT. Koj feem ntau yuav them tus nqi 2% yog tias koj tab tom yuav ib lub tsev nyob hauv tebchaws Askiv lossis Northern Ireland. Yog xav paub ntxiv txog qhov no, thov nyeem peb tsab xov xwm: Cov neeg yuav khoom txawv teb chaws xav txog kev yuav khoom vaj tse nyob hauv tebchaws Askiv lossis Northern Ireland xyoo 2021?
Ntawm cov khoom lag luam lossis cov cuab yeej siv sib xyaw, koj yuav them SDLT ntawm qhov nce ntawm cov nqi khoom thaum koj them £ 150,000 lossis ntau dua. Rau kev hloov pauv ntawm thaj av ua lag luam, koj yuav them SDLT ntawm tus nqi hauv qab no:
| Property los yog lease premium lossis hloov tus nqi | SDLT tus nqi |
| Mus txog £ 150,000 | Xoom |
| Tom ntej no £ 100,000 (ib feem ntawm £ 150,001 txog £ 250,000) | 2% |
| Cov nyiaj seem (qhov seem saum toj no £ 250,000) | 5% |
Thaum koj yuav ib lub tsev tshiab uas tsis yog neeg nyob lossis siv cov khoom siv sib xyaw ua ke koj them SDLT ntawm ob qho tib si tus nqi yuav ntawm daim ntawv xauj tsev thiab tus nqi ntawm daim ntawv xauj tsev thiab tus nqi ntawm cov nqi xauj tsev txhua xyoo koj them (tus nqi tam sim no'). Cov no suav nrog sib cais ces ntxiv ua ke. Cov saum toj no raug xa mus rau surcharges.
Koj tus kws tshaj lij se lossis tus kws lij choj yuav tuaj yeem suav koj qhov kev lav phib xaub SDLT raws li tus nqi uas siv thaum lub sijhawm koj yuav lossis xauj.
Lwm yam kev sib txuas muaj txiaj ntsig:
- https://www.gov.uk/government/publications/how-to-buy-a-home/how-to-buy
- https://www.gov.uk/government/publications/how-to-lease/how-to-lease
- https://www.gov.uk/stamp-duty-land-tax/residential-property-rates
- https://www.dixcartuk.com/five-years-have-passed-since-the-uk-government-set-out-its-intention-to-create-a-public-register-of-the-beneficial-ownership-of-overseas-entities-uk-assets-progress/
- https://www.dixcartuk.com/register-of-overseas-entities-a-comprehensive-guide-to-the-new-registration-requirements-for-overseas-owners-of-uk-property/
- https://www.dixcartuk.com/pre-arrival-uk-tax-planning-for-non-uk-domiciled-individuals/
Yog xav paub ntxiv lossis kev taw qhia txog kev yuav khoom, teeb tsa koj lub lag luam kom txuag tau se, kev txiav txim siab se hauv UK, koom nrog sab nraud UK, kev lag luam nkag teb chaws lossis lwm yam kev hloov pauv lossis nqis peev hauv UK thov hu rau peb ntawm tswv yim.uk@dixcart.com.
