Mukuganizira Zosamukira kapena Bizinesi Yosamukira ku UK? Werengani Upangiri Wathu Wothandizira pa Katundu Wokhala ndi Malonda ku UK
Kodi alendo angagule malo ku UK?
Inde. Palibe chomwe chingalepheretse munthu wosakhala waku UK kapena bungwe logulira katundu ku UK (ngakhale munthu adzafunika kukhala ndi zaka 18 kapena kupitilira apo kuti akhale ndi udindo wovomerezeka wa malo ndipo bungwe lakunja lakunja liyenera kukhala lisanapeze malo oyenerera. olembetsedwa ku Companies House motsatira lamulo la Economic Crime (Transparency and Enforcement) Act 2022).
Kupatulapo pamwambapa, malamulo osiyanasiyana amagwira ntchito ku Scotland ndi Northern Ireland kusiyana ndi katundu ku England ndi Wales. Tiyang'ana pansipa pa malo omwe ali ku England ndi Wales. Ngati mukufuna kugula malo ku Scotland kapena Northern Ireland, chonde funsani upangiri wodziyimira pawokha kwa katswiri wamadera amenewo.
Chitsogozo chomwe chili pansipa chikuyang'ana pa malo omwe ali ku England ndi Wales.
Kodi mumayamba bwanji kufufuza malo anu?
Pali mitundu ingapo yamainjini osakira katundu pa intaneti. Mwachikhalidwe mabungwe amakhazikika pazamalonda kapena malo okhala koma osati onse. Yambani ndi injini yosakira kuti mufananize malo omwe muli mumzinda womwe mwasankha kapena malo ena ndikulumikizana ndi wothandizira wakomweko akutsatsa malowo kuti akonze zowonera. Kukambirana mtengo pansi pa mtengo wolengezedwa ndikofala.
Chifukwa chiyani kuli kofunikira kuwona malo?
Mukapeza malo ndikofunikira kuti muwawone, fufuzani zomwe mwakhala mukuchita kale (woyang'anira malo kapena wotumiza katundu wolembetsa adzatha kukuthandizani) kapena funsani wowunika kuti awone.
Mfundo ya peat emptor (“lole wogula achenjere”) imagwira ntchito pa malamulo wamba. Wogula yekha ali ndi udindo wofufuza malo. Kugula popanda kuwonera kapena kufufuza nthawi zambiri kumakhala pachiwopsezo cha wogula. Ogulitsa nthawi zambiri sapereka zitsimikizo kapena chindapusa ngati malowo ndi oyenera.
Kodi mumapeza bwanji ndalama zogulira?
Wogulitsa malo ndi akatswiri aliwonse omwe akukhudzidwa ndi malondawo adzakhala ndi chidwi chodziwa momwe mukufuna kupezera ndalama zogulira. Izi zitha kukhala ndi ndalama, koma zinthu zambiri zogulidwa ku England ndi Wales ndi ngongole yanyumba/nyumba. Palibe zoletsa kwa alendo omwe ali ndi ngongole ku UK kuti akuthandizeni kupeza ndalama zogulira ngakhale mutha kukumana ndi zovuta, udindo wolipira chiwongola dzanja chokulirapo komanso chiwongola dzanja chokwera.
Ndi mtundu wanji wa "estate" yovomerezeka ku malo omwe mukufuna kugula?
Nthawi zambiri, malo amagulitsidwa ndi dzina laulere (muli nalo mwamtheradi) kapena mutu wa leasehold (wotengedwa kuchokera ku malo aulere omwe mumakhala nawo kwazaka zingapo) - onse ndi malo okhalamo. Zina zingapo zamalamulo ndi zopindulitsa ziliponso koma izi sizikufotokozedwa apa.
Kaundula wa Land Registry wa Mfumu yake ali ndi kaundula wa maudindo onse ovomerezeka. Ngati mtengo wanu walandilidwa, mlangizi wanu wazamalamulo adzawunikanso kaundula woyenera waudindo wanyumbayo kuti awone ngati malo omwe mukugulawo akugulitsidwa malinga ndi zovuta zilizonse. Zofunsa za pre-contract zidzafunsidwanso ndi wogulitsa kuti awonetsetse kuti palibe zokonda za gulu lachitatu pamalopo zomwe mwina sizinawonekere paulendo wanu.
Ngati ogula oposa mmodzi akufuna kukhala eni ake, kodi malowo adzachitika bwanji?
Mutu wovomerezeka wa katundu ukhoza kusungidwa ndi eni ake ovomerezeka anayi.
Pakhoza kukhala ubwino wamisonkho kapena kuipa kwa momwe mwasankhira kukhala ndi malo ngati eni ake ovomerezeka komanso kaya ndi anthu kapena mabungwe akampani kapena kuphatikiza zonse ziwiri. Ndikofunikira kutengera upangiri wamisonkho wodziyimira pawokha pasadakhale.
Kumene malowo akuyenera kusungidwa ndi eni ake, ganizirani ngati udindo walamulo uyenera kusungidwa ndi eni ake monga "ogwirizana nawo" (mwini wopindulitsa wa aliyense amapatsira imfa kwa eni ake) kapena " alendi omwe ali nawo limodzi” (gawo lopindulitsa lomwe ali nalo, limapatsira imfa ku chuma chawo kapena chochitidwa mwakufuna kwawo).
Nchiyani chikuchitika kenako?
Mwapeza malo ndipo mtengo wanu woperekedwa walandiridwa ndipo mwasankha yemwe ali ndi udindo wovomerezeka wa malowo. Kodi chinachitika n'chiyani?
Muyenera kulangiza loya kapena wotumiza katundu kuti achite mosamala, kufunsa mafunso, kufufuza zomwe mwakhala mukuchita kale ndikukulangizani za misonkho yomwe ingakhalepo. Muyenera kuchita mwachizolowezi "kudziwa kasitomala wanu" mosamala ntchito yazamalamulo isanayambe, kotero khalani okonzeka kupeza zikalata zofunika pakubera ndalama komanso macheke ena.
Pogula malo aulere kapena leasehold malinga ndi mtengo wapatali, mgwirizano umalembedwa ndikukambitsirana pakati pa maguluwo. Akangogwirizana, mgwirizanowo "umasinthana" pomwe ndalama zimaperekedwa kwa loya wa wogulitsa (nthawi zambiri pafupifupi 5 mpaka 10% ya mtengo wogula). Mgwirizano ukasinthidwa onse awiri amayenera kuchita mgwirizano (kugulitsa ndi kugula) motsatira zomwe zili mu mgwirizano. "Kutsirizika" kwa msikawo kumachitika pa tsiku lomwe lakhazikitsidwa mu mgwirizano ndipo nthawi zambiri zimakhala patatha mwezi umodzi koma zitha kuchitika posachedwa kapena pakapita nthawi, kutengera ngati mgwirizanowo uyenera kukwaniritsidwa.
Mukamaliza kusamutsa nyumba yaulere kapena yobwereketsa yayitali, ndalama zogulira zidzalipidwa. Pamabwerekedwe afupiafupi a nyumba zonse zamalonda ndi zogona, nthawi yobwereketsa ikadzafika, nkhaniyo yatha ndipo mwininyumbayo adzatumizira mwini nyumbayo invoice ya lendi, ndalama zolipirira ntchito ndi inshuwaransi malinga ndi zomwe wapanga.
Loya wa ogula/ochita lendi adzafunika kulembetsa ku Land Registry ya Mfumu Yake kuti alembetse kusamutsa/kubwereketsa kwatsopano. Mutu walamulo sudzatha mpaka kulembetsa kutha.
Ndi misonkho iti yomwe iyenera kuganiziridwa potenga mutu wa leasehold kapena mutu waulere?
Msonkho wokhala ndi malo aulere kapena kubwereketsa ku UK udzadalira kwambiri chifukwa chomwe munthu kapena kampaniyo imagwirizira malowo. Wogula atha kugula kapena kubwereketsa malo oti azikhalamo, kukhala m'malo kuti achite malonda awo, kukhala nawo kuti apange kuti apeze ndalama zobwereka kapena kugula ngati ndalama kuti apange ndikugulitsa kuti apindule. Misonkho yosiyanasiyana imagwira ntchito pagawo lililonse kotero ndikofunikira kulankhula ndi katswiri wamisonkho msanga, kutengera ndi mapulani omwe muli nawo panyumbayo.
Msonkho umodzi womwe umalipidwa mkati mwa masiku 14 kuchokera kumapeto kwa lendi kapena kusamutsa katundu ku England (pokhapokha ngati pali chiwongola dzanja chochepa kapena chiwongolero) ndi msonkho wa sitampu wapamtunda (“SDLT”).
Pamalo okhalamo onani mitengo ili m'munsiyi. Komabe, ndalama zowonjezera 3% zimalipidwa pamwamba ngati wogula ali kale ndi malo kwina:
| Katundu kapena lease umafunika kapena kusamutsa mtengo | Mtengo wapatali wa magawo SDLT |
| Mpaka pa £ 250,000 | ziro |
| £675,000 yotsatira (gawo lochokera pa £250,001 kufika pa £925,000) | 5% |
| £575,000 yotsatira (gawo lochokera pa £925,001 kufika pa £1.5 miliyoni) | 10% |
| Ndalama zotsalira (gawo lomwe lili pamwamba pa £ 1.5 miliyoni) | 12% |
Mukagula malo atsopano obwereketsa, ndalama zilizonse zolipirira msonkho zomwe zili pamwambapa. Komabe, ngati renti yonse pa moyo wa lendi (yotchedwa 'mtengo wapano') iposa SDLT (pakali pano £250,000), mudzalipira SDLT pa 1% pagawo loposa £250,000. Izi sizikugwira ntchito kubwereketsa komwe kulipo kale ('kuperekedwa').
Ngati simukupezeka ku UK kwa masiku osachepera 183 (miyezi 6) m'miyezi 12 musanagule, 'si ndinu wokhala ku UK' pazifukwa za SDLT. Nthawi zambiri mumalipira 2% yowonjezera ngati mukugula malo okhala ku England kapena Northern Ireland. Kuti mumve zambiri pa izi, chonde werengani nkhani yathu: Ogula akunja akuganiza zogula nyumba ku England kapena Northern Ireland mu 2021?
Pazinthu zamalonda kapena zogwiritsa ntchito mosakanikirana, mudzalipira SDLT pakuwonjezera magawo amtengo wanyumba mukalipira £150,000 kapena kupitilira apo. Pakusamutsa malo amalonda kwaulere, mudzalipira SDLT pamitengo iyi:
| Katundu kapena lease umafunika kapena kusamutsa mtengo | Mtengo wapatali wa magawo SDLT |
| Mpaka pa £ 150,000 | ziro |
| £100,000 yotsatira (gawo lochokera pa £150,001 kufika pa £250,000) | 2% |
| Ndalama zotsala (gawo lomwe lili pamwamba pa £250,000) | 5% |
Mukagula malo atsopano omwe si okhalamo kapena ophatikizana obwereketsa mumalipira SDLT pamtengo wogulira wa lendi ndi mtengo wa lendi yomwe mumalipira pachaka ('mtengo waposachedwa'). Izi zimawerengedwa mosiyana kenako ndikuwonjezera palimodzi. Zomwe zili pamwambazi zikugwiranso ntchito.
Katswiri wanu wamisonkho kapena loya azitha kuwerengera ngongole yanu ya SDLT molingana ndi mitengo yomwe ikugwira ntchito panthawi yomwe munagula kapena kubwereketsa.
Maulalo ena othandiza:
- 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/
Kuti mumve zambiri kapena chitsogozo chamomwe mungagulire malo, pangani bizinesi yanu kuti musunge msonkho, malingaliro amisonkho ku UK, kuphatikiza kunja kwa UK, kusamukira kwamabizinesi kapena mbali ina iliyonse yosamukira kapena kuyika ndalama ku UK chonde titumizireni pa malangizo.uk@dixcart.com.
