Ngo-2025 Utshintsho lweRhafu yase-UK yeeNon-Doms: Izinto ozenzayo nezingangenziwa
Utshintsho olubalulekileyo luye lwaziswa kwimithetho yerhafu yase-UK kubantu abangahlali phantsi ukusuka nge-6 kuTshazimpuzi ka-2025. Isiseko sokuthunyelwa kwemali kubantu abangengabo abase-UK sithathelwe indawo yinkqubo yokuhlala. Abahlali base-UK bexesha elide baya kuhlawuliswa irhafu kumvuzo wabo wehlabathi jikelele kunye nezinto abazizuzayo njengoko zivela. Olu tshintsho luthetha ukuba nabani na ochaphazelekayo kufuneka ajonge ngokutsha imicimbi yakhe yezemali. Ukucwangcisa kakuhle, ukugcina iingxelo ezicacileyo, kunye nokufumana iingcebiso ezifanelekileyo kuya kubaluleka ukuphepha iimfanelo zerhafu ezingalindelekanga kunye nokwenza uninzi lwazo naziphi na izincedo ezisekho.
Nazi izinto ezibalulekileyo omele uzenze kunye nokungaWenziyo kwizinto ezingezizo iidoms ukunceda ukukhangela inguqu:
✅ Yenza
1. Hlaziya uMvuzo kunye neeNgeniso zeHlabathi liphela
- Ukusukela nge-6 ku-Epreli 2025, lonke ixesha elide (ngaphezulu kweminyaka emi-4) abahlali berhafu base-UK kufuneka baxele kwaye bahlawule irhafu yase-UK ingeniso kunye neenzuzo zehlabathi njengoko zivela, kungakhathaliseki ukuba zithunyelwe yiphi na.
- Ngokuxhomekeke kwiingcebiso ezifanelekileyo unokunqwenela ukuthathela ingqalelo utyalo-mali ukwenzela ukukhula kwenkunzi yexesha elide okanye ezinye iindlela zezimali ezithintela ukufezekiswa kwengeniso.
2. Sebenzisa iSibonelelo sokuBuyisa okwethutyana (TRF)
- Ukuphonononga iimbuyekezo zerhafu zangaphambili zase-UK kwaye ucinge ukuba kufanelekile ukufaka ibango le-remittance basis ye-24/25 ukuze uzuze kwizibonelelo zenguqu.
- Cinga ngokuthumela ingeniso yangaphandle phambi kwe-6 ku-Epreli ka-2025 kunye neenzuzo phantsi kwe-TRF, ekhoyo ngonyaka werhafu ka-2025/26 no-2026/27, ukuze uxhamle kumlinganiselo ocuthiweyo werhafu.
- Ukuphonononga ukuthunyelwa kwentlawulo phantsi kweTRF ukuze uqinisekise eyona ngeniso isebenzayo okanye ingeniso engarhafiswanga kunye neenzuzo ezirhafiswa ngaphandle kwe-UK.
3. Gcina iiRekhodi ezineenkcukacha
- Gcina amaxwebhu abanzi ayo yonke ingeniso yangaphandle, iinzuzo, kunye neentlawulo ezithunyelwa ngaphandle, kubandakanywa imihla, imali, imithombo, kunye neengxelo zebhanki ezinxulumeneyo kunye neerhafu zangaphandle ezihlawulweyo.
4. Hlaziya ii-asethi zangaphandle ukuba zifanelekile
- Ukuba wenze ibango lesiseko sokuthunyelwa kwempahla kwaye ubungaphathwanga e-UK okanye uthathwa njengonegunya nge-5 kuTshazimpuzi ka-2025, ungakhetha ukulibuyisela ixabiso lee-asethi ezinkulu zangaphandle ezigcinwe buqu nge-5 ku-Epreli 2017 kwixabiso lazo ngalo mhla. Qinisekisa ukuba uneerekhodi kunye noqingqo-maxabiso (apho kunokwenzeka) ezo asethi.
5. Phonononga iiTrasti kunye neZakhiwo zaseOffshore
- Hlaziya naziphi na iitrasti onokuthi uzinze okanye uxhamle kuzo.
- Vavanya iimpembelelo zemithetho emitsha kwiitrasti zangaphandle, njengoko ukhuseleko kwirhafu yase-UK kwingeniso yangaphandle kunye neenzuzo ezivela ngaphakathi kweetrasti ezinjalo ziya kususwa kubantu abaninzi.
- Phonononga naziphi na iinkampani zangaphandle ezibanjwe ngokusondeleyo onosabelo kuzo.
6. Beka iliso kwiSimo sokuHlala
- Gcina iirekhodi ezichanekileyo zeentsuku ozichithe ngaphakathi nangaphandle e-UK ukufumanisa ubume bakho bokuba ngumhlali phantsi koVavanyo lokuHlala ngokusemthethweni.
- Cinga ukuba ungumhlali werhafu kwenye indawo kwaye nokuba nayiphi na i-DTA esebenzayo inokusebenza.
7. Funa iNgcebiso yobuGcisa phambi kweentengiselwano
- Thetha neengcali zerhafu ngaphambi kokuba wenze izigqibo ezibalulekileyo zemali, ezinjengokuthengisa izinto zangaphandle okanye ukwenza iitransekshini ezinkulu, ukuqonda iimpembelelo zerhafu yase-UK.
🚫 Musa
1. Sukucinga ukuba iiNzuzo zangaphambili ezingezizo ezeDom zisasebenza
- Isiseko sokuthunyelwa kwemali siye sapheliswa ukususela ngomhla wesi-6 kuTshazimpuzi ngowama-2025; ukuxhomekeka kwiinzuzo zangaphambili ezingezizo eze-dom kunokukhokelela kumatyala erhafu angalindelekanga.
2. Musa ukungayihoyi iRhafu yoLwabiwo lweTrasti
- Ukusasazwa okanye izibonelelo ezivela kwiitrasti zaphesheya kolwandle ngoku zinokubangela iintlawulo zerhafu zase-UK; qinisekisa ukuba uyaluqonda unyango olutsha lwerhafu phambi kokuba ufumane unikezelo olunjalo.
3. Musa ukulibazisa ukusebenzisa iTRF kwiNgeniso yaNgaphambi kowama-2025 kunye neeNgeniso
- I-TRF ibonelela ngefestile enyiniweyo yokuthumela ingeniso yangaphandle phambi kwe-6 ku-Epreli 2025 kunye neenzuzo ngesantya esincitshisiweyo serhafu; Oku kusebenza iminyaka emibini kwi-12% kwaye ke unyaka omnye kwi-15% ukulibaziseka ngaphaya kweli xesha kunokukhokelela kwiintlawulo zerhafu eziphezulu.
- Sukucinga ukuba ibango le-TRF liya kuba lolona hlobo lusebenzayo lokuthumela imali, ngakumbi kwiinzuzo ezirhafiswayo.
- Sukucinga ukuba uya kufumana nayiphi na okanye ikhredithi epheleleyo yerhafu yangaphandle esele ifunyenwe.
4. Musa ukungayihoyi iMixed Funds
- Ukuzisa imali e-UK kwiiakhawunti ezinemali ecocekileyo kunye nengeniso / inzuzo ngaphandle kokulandelwa ngokufanelekileyo kunokukhokelela kwiziphumo zerhafu ebezingalindelekanga.
5. Musa ukungazihoyi iiNguqu zeRhafu yeLifa (IHT).
- I-UK ifudukela kwi-a inkqubo ye-IHT esekwe kwindawo yokuhlala; abahlali bexesha elide base-UK banokuba phantsi kwe-IHT kwii-asethi zehlabathi. Gcina iirekhodi ezineenkcukacha zazo naziphi na izipho okanye udluliselo olwenzayo, ngakumbi ukuba zibandakanya ii-asethi zangaphandle.
6. Musa ukwenza iingqikelelo malunga noNcedo lweMini yokuSebenza yaNgaphesheya (OWR)
- I-OWR iya kuqhubeka kodwa ngeenguqu; qinisekisa ukuba uyayiqonda indlela entsha yokufaneleka kunye neemeko.
7. Musa ukwenza iiNtengiselwano eziNxibelele ngaphandle kweNgcebiso
- Iintengiselwano ezibandakanya iitrasti zaphesheya kolwandle, iinkampani ezibambelene ngokusondeleyo, ukuthengiswa kwee-asethi zangaphandle, ukwakhiwa ngokutsha kwenkampani, okanye ukuthunyelwa kwemali okubalulekileyo kunokuba neempembelelo zerhafu ezinzima; soloko ufuna isikhokelo sobuchule.
8. Sukucinga ukuba iiNtengiselwano ziKhululiwe e-UK
- Kungenxa yokuba intengiselwano okanye umthombo othile wengeniso uxolelwe kwirhafu ngaphandle kwe-UK ungacingi ukuba oku kuya kuba njalo e-UK.
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