Misonkho Yayekha ku UK
Ngongole zamsonkho ku UK zimatsimikizika kwathunthu pogwiritsa ntchito mfundo za "malo okhala" ndi "malo okhala".
kunyumba
Malamulo aku UK okhudzana ndi malo okhala ndi ovuta komanso osiyana ndi malamulo amayiko ena ambiri. Kunyumba kumakhala kosiyana ndi malingaliro a dziko kapena malo okhala. Mwakutero, mumakhala olamulidwa mdziko lomwe mumadziona kuti ndinu a komwe kuli nyumba yanu yeniyeni komanso yokhazikika.
Mukamadzakhala ku UK simudzakhala olamulidwa ku UK ngati mukufuna, kutsogoloku, kuti mudzachoke ku UK.
Mzinda
UK idakhazikitsa mayeso okhala mwalamulo mu 6 Epulo 2013. Kukhala ku UK nthawi zambiri kumakhudza chaka chonse chamsonkho (6 Epulo - 5 Epulo chaka chotsatira) ngakhale nthawi zina chithandizo cha "chaka chogawanika" chitha kugwira ntchito.
Kuti mumve zambiri zakomwe mukukhalamo chonde werengani zathu Mayeso Okhala ku UK / Osakhala M'nyumba chidziwitso.
Maziko Ochotsera
Munthu yemwe amakhala koma osalamuliridwa ku UK atha kusankha kuti ndalama zake zomwe sizili ku UK ndipo amalandira misonkho ku UK kokha mpaka kubweretsedwa kapena kusangalala ku UK. Izi zimatchedwa ndalama 'zopulumutsidwa' ndi phindu. Ndalama ndi zopindulitsa zomwe zimapangidwa kunja, zomwe zimasiyidwa kunja, zimatchedwa ndalama zopanda phindu komanso zopindulitsa. Zosintha zazikulu pamomwe anthu omwe si a ku UK (omwe si a doms) amalipira misonkho adakwaniritsidwa mu Epulo 2017. Upangiri wowonjezera uyenera kupemphedwa.
Malamulowa ndi ovuta koma mwachidule, ndalama zomwe angalandire ndalama zidzagwiritsidwa ntchito motere:
- Ngati ndalama zakunja zomwe sizinachotsedwe ndizochepera $ 2,000 kumapeto kwa chaka chamisonkho. Ndalama zoyendetsera ndalama zimangogwiritsidwa ntchito popanda chindapusa ndipo palibe mtengo wamsonkho kwa munthuyo. Misonkho yaku UK iyenera kulipidwa pokhapokha ndalama zakunja zomwe zimatumizidwa ku UK.
- Ngati ndalama zakunja zomwe sizinaperekedwe zatha $ 2,000 ndiye kuti ndalama zololeza ndalama zitha kuitanidwabe, koma pamtengo:
- Anthu omwe akhala ku UK kwazaka zosachepera 7 pazaka 9 zamisonkho zisanachitike ayenera kulipira Chotumizira Basis cha $ 30,000 kuti agwiritse ntchito ndalama zochokera.
- Anthu omwe akhala ku UK kwazaka zosachepera 12 pazaka 14 zamisonkho zisanachitike ayenera kulipira Chotumizira Basis cha $ 60,000 kuti agwiritse ntchito ndalama zochokera.
- Aliyense amene amakhala ku UK zaka zopitilira 15 pazaka 20 zamisonkho zam'mbuyomu, sangasangalale ndi misonkhoyo chifukwa chake adzakhoma misonkho ku UK padziko lonse lapansi pamisonkho yomwe amapeza.
Mulimonse momwe zingakhalire (kupatula komwe ndalama zomwe sanabweretse ndalama zosakwana $ 2,000) munthuyo ataya kugwiritsa ntchito ndalama zake zaulere ku UK komanso misonkho yomwe amapeza.
Ndalama Yopeza
Kwa chaka chamisonkho chaposachedwa misonkho yayikulu yaku UK ndi 45% pamalipiro a $ 150,000 kapena kupitilira apo. Anthu okwatirana (kapena omwe ali pachibwenzi) amakhomeredwa misonkho mosadalira ndalama zawo.
Monga tafotokozera pamwambapa, ngati mukukhalamo, koma osalamulidwa, ku UK ndikusankha kukhomeredwa msonkho "kubweza ndalama" mumakhoma misonkho ku UK pokhapokha ndalama zomwe zimabwera, kapena kubweretsedwa, ku UK mu chilichonse msonkho chaka.
Anthu omwe akukhala komanso okhala ku UK, kapena iwo omwe sagwiritsa ntchito ndalama zochotsera, amalipira misonkho pa ndalama zonse padziko lonse lapansi.
Kukonzekera mosamala asanafike ku UK ndikofunikira kuti tipewe kutumizidwa mwangozi. Pazochitika zonsezi, chisamaliro chiyenera kulipidwa ku mgwirizano uliwonse wamsonkho wowirikiza.
Ndalama zilizonse zotumizidwa ku UK zopeza ndalama (kapena zopindulitsa) zomwe zimagwiritsidwa ntchito popanga bizinesi yaku UK sizikhala ndi misonkho.
Msonkho Wapamwamba
Mtengo waku UK amapeza misonkho kuyambira 10% mpaka 28% kutengera mtundu wa chuma ndi kuchuluka kwa ndalama za munthuyo. Anthu okwatirana (kapena omwe ali pachibwenzi) amakhomeredwa msonkho padera.
Monga momwe zilili pamwambapa ngati mukukhala, koma osalamuliridwa, UK ndipo musankha kukhomeredwa msonkho pa "remittance basis" mukuyenera kupereka msonkho wopeza phindu pazopeza zomwe mwapeza potulutsa chuma chomwe chili ku UK kapena kwa omwe ali kunja UK ngati mutumiza ndalama ku UK. Ndalama zopanda ndalama zimatengedwa ngati chuma chazopindulitsa pamisonkho yopezera ndalama chifukwa chake phindu lililonse la ndalama (loyesedwa motsutsana ndi sterling) limatha kubweza.
Monga ndalama, zopindulitsa zomwe zimapezeka m'mbali mwa nyanja zimatha kukhala chifukwa cha nzika zaku UK zomwe zili pansi pa malamulo ovuta kupewa; Mwachitsanzo, phindu lomwe makampani omwe si a ku UK amayendetsa "mosamalitsa" (makamaka makampani omwe amayang'aniridwa ndi "omwe atenga nawo mbali" asanu) ndi omwe amatenga nawo mbali aliyense payekha.
Zopindulitsa pakuwononga mitundu ina yazinthu, monga nyumba yayikulu, zotetezedwa ndi boma la UK, magalimoto, mfundo zotsimikizira za moyo, ziphaso zosungira ndalama ndi ma bond bond zitha kuchotsedwa pamisonkho.
Misonkho Yacholowa
Misonkho ya cholowa (IHT) ndi misonkho yachuma cha munthu akamwalira ndipo imatha kulipilidwanso pa mphatso zoperekedwa panthawi ya moyo wa munthu. Mtengo wolowa ku UK ndi 40% wokhala ndi msonkho wopanda $ 325,000 pachaka cha msonkho 2019/2020.
Ngongole zamsonkho zimadalira komwe mumakhala. Ngati mukukhala ku UK mumakhoma msonkho padziko lonse lapansi.
Munthu amene sanalamulire ku UK amakhoma misonkho pokhapokha akasamutsa katundu ku UK (kuphatikiza kusamutsidwa kwa omwe adzalowa m'malo mwake / opindula omwe amwalira atamwalira). Pazolinga zamisonkho zokha, malamulo apadera amagwiritsidwa ntchito. Munthu aliyense amene amakhala ku UK (chifukwa cha misonkho) kwa zaka zopitilira 15 kuchokera munthawi yopitilira zaka 20 adzachitiridwa ngati akulamulidwa ku UK chifukwa cha IHT. Izi zimatchedwa "malo okhala".
Mphatso zina za moyo wonse sizimakhoma msonkho wa cholowa ngati woperekayo apulumuka zaka zisanu ndi ziwiri ndikudzichotsera phindu lililonse. Kwakhazikitsidwa malamulo okhwima ngati woperekayo amasunga kapena kusunga phindu kuchokera mu mphatsoyo (mwachitsanzo, kupereka nyumba yake koma akukhalabe m'menemo). Zotsatira zakusinthaku ndikuthandizira woperekayo pazolinga za IHT, nthawi zambiri, ngati kuti sanapangepo mphatsoyo.
Kusamutsa katundu pakati pa okwatirana omwe amakhala kumalo omwewo kulibe msonkho wa cholowa, monga momwe amasamutsira wokwatirana yemwe amakhala ku UK kupita kwa mnzake waku UK. Komabe, ndalama zomwe zimasamutsidwa ndi wolamulira waku UK kwa mnzake yemwe si waku UK popanda kulipira msonkho wa cholowa ndizochepa $ 325,000. Komabe, ndizotheka kuti mnzake wosakhala wolamulidwa asankhidwe ngati wolamulidwa, zomwe zitha kupangitsa kuti okwatirana onse akhale omasuka. Pomwe nyumbayo idanenedwa kuti banjali limakhalabe lolamulidwa mpaka zaka zingapo zomwe sanakhalepo zidakhazikitsidwanso.
