Uthathela ingqalelo indawo yokuhlala okanye ukufudukela e-UK? Funda iSikhokelo sethu esiSebenzayo kwiPropati yokuHlala kunye neNtengiso e-UK
Ngaba abantu basemzini banokuthenga ipropathi e-UK?
Ewe. Akukho nto ithintela umntu ongengowase-UK okanye iqumrhu loshishino lokuthenga ipropathi e-UK (nangona umntu kuya kufuneka abe neminyaka eli-18 ubudala okanye ngaphezulu ukuze abe netayitile esemthethweni yepropathi kunye nequmrhu leshishini laphesheya kufuneka ngaphambi kokufumana ipropathi efanelekileyo kuqala. ibhaliswe kwiCompanies House ngokuthobela uMthetho woLwaphulo-mthetho loQoqosho (uBucala nokuNyanzeliswa koMthetho) wama-2022).
Ngaphandle koku kungasentla, imithetho eyahlukeneyo iyasebenza eSkotlani naseMntla Ireland ngokuchaseneyo nepropathi yaseNgilani naseWales. Siza kugxininisa ngezantsi kwipropati ebekwe eNgilani naseWales. Ukuba ujonge ukuthenga ipropathi eSkotlani okanye eMntla Ireland, nceda ufune iingcebiso ezizimeleyo kwingcali kwezo ndawo.
Esi sikhokelo singezantsi sigxile kwipropathi ebekwe eNgilani naseWales.
Uluqala njani ukhangelo lwepropathi yakho?
Kukho inani leenjini zokukhangela ipropathi ye-intanethi. Ngokwemveli ii-arhente zisebenza ngokukhethekileyo kwipropathi yorhwebo okanye yokuhlala kodwa hayi zombini. Qala nge-injini yokukhangela ukuthelekisa iipropathi kwisixeko osikhethileyo okanye kwenye indawo kwaye uqhagamshelane nearhente yendawo ethengisa ipropathi ukulungiselela ukubonwa. Ixabiso lokuthethathethana ngaphantsi kwexabiso elibhengeziweyo liqhelekileyo.
Kutheni kubalulekile ukujonga umhlaba?
Wakuba ufumene ipropati kubalulekile ukuba uyibone, yenza ugqogqo oluqhelekileyo lwangaphambi kwekhontrakthi ngokuchasene nayo (igqwetha lepropati okanye umdluliseli wezindlu obhalisiweyo uya kukwazi ukukunceda) okanye ucele unocanda-mhlaba ukuba awujonge.
Umgaqo we Umqolomba we-bakoat (“umthengi makalumke”) iyasebenza kumthetho oqhelekileyo. Umthengi yedwa unoxanduva lokujonga ipropati. Ukuthenga ngaphandle kokujonga okanye uphando luya kuba semngciphekweni wonke womthengi kwiimeko ezininzi. Abathengisi ngesiqhelo abasayi kubonelela ngeziqinisekiso okanye imbuyekezo malunga nokufaneleka kwepropathi.
Uyixhasa njani imali yokuthenga?
Umthengisi wezindlu kunye nazo naziphi na iingcali ezibandakanyekayo kwintengiso ziya kuba nomdla wokwazi ukuba uceba ukuxhasa njani ukuthenga. Oku kunokuba yimali, kodwa uninzi lwepropathi ethengiweyo eNgilani naseWales kungenxa yemali mboleko yendlu/yepropathi. Akukho zithintelo kubantu bamanye amazwe abafumana imali yokubambisa e-UK ukunceda ngemali yokuthenga nangona unokuhlangabezana neemfuno ezingqongqo, isibophelelo sokuhlawula idiphozithi enkulu kunye nenzala ephezulu.
Loluphi uhlobo “lwelifa” olusemthethweni kwipropati oceba ukuyithenga?
Ngokubanzi, ipropati ithengiswa ngetayitile yokubamba simahla (unayo ngokupheleleyo) okanye itayitile yokuqeshisa (ethathwe ngaphandle kwepropati yokubambisa onayo iminyaka eliqela) - zombini ziyimihlaba kumhlaba. Iqela leminye imidla yomthetho kunye nezinto eziluncedo zikwakhona kodwa ezi azijongwa apha.
ICandelo loBhaliso lweMihlaba likaKumkani liphethe irejista yazo zonke iitayitile ezisemthethweni. Ukuba ixabiso lonikezelo lwakho lamkelwe umcebisi wakho wezomthetho uya kuphonononga irejista efanelekileyo yetayitile esemthethweni yaloo propati ukuze abone ukuba ipropati oyithengayo iyathengiswa na ngokuxhomekeke kulo naluphi na uxanduva. Imibuzo yangaphambi kwekhontrakthi nayo iyakuphakanyiswa kunye nomthengisi ukuqinisekisa ukuba akukho midla ininzi yomntu wesithathu kwipropati ekusenokwenzeka ukuba ayizange ibonakale kutyelelo lwakho lwesiza.
Ukuba ngaphezu komthengi omnye ufuna ukuba ngabanini bepropati, loo propati iya kubanjwa njani?
Itayitile esemthethweni yepropati inokubanjwa ukuya kutsho kubanini abasemthethweni abane.
Kusenokubakho uncedo lwerhafu okanye ukungalungi kwindlela ogqiba ngayo ukubamba ipropathi njengomnini osemthethweni nokuba oko kungomntu okanye amaqumrhu okanye indibaniselwano yazo zombini. Kubalulekile ukuthatha iingcebiso zerhafu ezizimeleyo kwangethuba.
Apho ipropati ilungiselelwe ukuba igcinwe ngabanini-ndawonye, qwalasela ukuba itayitile esemthethweni ifanele igcinwe ngabanini-ndawonye “njengabaqeshi abadibeneyo” (ubunini obunenzuzo bomntu ngamnye budlulisela ukufa kwabanye abanini-ndawonye) okanye “njengoko “ abaqashi ngokufanayo” (isabelo esinenzuzo esinayo, sidlulisela ukufa kwilifa labo okanye kusetyenzwa naso phantsi komyolelo wabo).
Kwenzeka ntoni emva koko?
Ufumene ipropati kwaye ixabiso lakho lokunikezela lamkelwe kwaye wenze isigqibo sokuba ngubani oza kubamba itayitile esemthethweni yepropati. Kwenzeka ntoni emva koko?
Kuya kufuneka uyalele igqwetha okanye umdluliseli wemali ukuba aphumeze inkuthalo efanelekileyo, abuze imibuzo, enze ugqogqo oluqhelekileyo lwaphambi kwekhontrakthi kwaye akucebise ngemfanelo yerhafu enokubakho. Kuya kufuneka ukuba uphumelele isiqhelo esithi "umazi umxhasi wakho" inkuthalo efanelekileyo phambi kokuba umsebenzi wezomthetho uqhube ngoko ke zilungiselele ukufumana amaxwebhu afanelekileyo afunekayo kuthutho lwemali lwesiqhelo kunye nezinye iitshekhi.
Xa kuthengwa indawo yokuhlawulela okanye yokuqeshisa ngokuxhomekeka kwintlawulo yenyanga, ikhontrakthi idla ngokuyilwa kuze kuthethathethwane ngayo phakathi kwamaqela. Emva kokuba kuvunyelwene, ikhontrakthi "iyatshintshiswa" ngelo xesha idiphozithi ihlawulwa kwigqwetha lomthengisi (ngokuqhelekileyo malunga ne-5 ukuya kwi-10% yexabiso lokuthenga). Xa isivumelwano sitshintshiwe omabini amaqela abophelelekile ukuba enze ikhontrakthi (ukuthengisa nokuthenga) ngokungqinelana nemiqathango yekhontrakthi. “Ukugqitywa” kwentengiselwano kwenzeka ngomhla obekiweyo kwikhontrakthi kwaye ngokwesiqhelo yinyanga emva koko kodwa kungakhawuleza okanye emva koko, kuxhomekeke ekubeni ikhontrakthi iphantsi kwemiqathango yokwaneliseka.
Ekugqityweni kokudluliselwa kwepropati yokubambisa simahla okanye yokuqeshisa ixesha elide, ibhalansi yexabiso lokuthenga iya kuhlawulwa. Ukufumana iingqeshiso ezitsha ezimfutshane kuzo zombini iipropati zorhwebo kunye neendawo zokuhlala, emva kokuba umhla wokuqeshisa esitsha ugqityiwe, umcimbi ugqityiwe kwaye umnini-mhlaba uya kuthumela umqeshi omtsha i-invoyisi yerenti, iintlawulo zenkonzo kunye ne-inshurensi ngokwemiqathango yokuqeshisa.
Igqwetha labathengi/labaqeshi kuya kufuneka lenze isicelo kwiNdawo yoBhaliso loMhlaba obekekileyo ukubhalisa udluliselo/ingqeshiso entsha. Isihloko esisemthethweni asiyi kudlula de ubhaliso lugqityiwe.
Zeziphi iirhafu ekufuneka ziqwalaselwe xa uthatha itayitile yokuqeshisa okanye itayitile yokubambisa?
Ukuphathwa kwerhafu ukusuka ekubeni ngumnini wendawo yasimahla okanye yokuqeshisa e-UK kuya kuxhomekeka kakhulu ekubeni kutheni umntu okanye iqumrhu liphethe ipropati. Umthengi unokuthenga okanye aqeshise ipropathi yokuhlala kuyo, ahlale kwizakhiwo azenzele urhwebo olulolwakhe, aziphuhlise ukuze afumane ingeniso yerenti okanye athenge njengotyalo-mali ukuze aphuhlise kwaye athengise ngenzuzo. Iirhafu ezahlukeneyo ziyasebenza kwinqanaba ngalinye ngoko ke kubalulekile ukuthetha nochwepheshe berhafu kwangethuba, ngokuxhomekeke kwizicwangciso onazo malunga nepropati.
Irhafu enye ehlawulwa kwiintsuku ezili-14 zokugqitywa kwengqeshiso okanye utshintshelo lwepropathi eNgilani (ngaphandle kokuba kukho isiqabu esilinganiselweyo okanye uxolelo olusebenzayo) yirhafu yesitampu yomhlaba (“SDLT”).
Ngeepropati zokuhlala jonga le ntlawulo ilandelayo ingezantsi. Nangona kunjalo, intlawulo eyongezelelweyo ye-3% eyongezelelweyo ihlawulwa ngaphezulu ukuba umthengi sele engumnini wepropati kwenye indawo:
| Ipropati okanye i-premium yokuqeshisa okanye ixabiso lokudlulisela | Ireyithi ye-SDLT |
| Ufike kwi £ 250,000 | Unothi |
| I-£675,000 elandelayo (isahlulo sisuka kwi-£250,001 ukuya kwi-£925,000) | 5% |
| I-£575,000 elandelayo (isahlulo ukusuka kwi-925,001 ukuya kwi-£ 1.5 yezigidi) | 10% |
| Imali eseleyo (isahlulo esingaphezulu kwe-£ 1.5 yezigidi) | 12% |
Xa uthenga indawo entsha yokuqeshisa, nayiphi na ipremiyamu iya kuba phantsi kwerhafu phantsi koku kungasentla. Nangona kunjalo, ukuba irenti iyonke kubomi bengqeshiso (eyaziwa ngokuba 'yixabiso elikhoyo eliseleyo') ingaphezulu kwe-SDLT threshold (okwangoku i-£250,000), uyakuhlawula i-SDLT nge-1% kwisabelo esingaphezu kwe-£250,000. Oku akusebenzi kwingqeshiso esele ikhona ('eyabelweyo').
Ukuba awukho e-UK ubuncinci beentsuku ezili-183 (iinyanga ezi-6) ngeenyanga ezili-12 phambi kokuthenga kwakho, 'awungomhlali wase-UK' ngeenjongo ze-SDLT. Uya kuhlawula intlawulo eyongezelelweyo ye-2% ukuba uthenga indawo yokuhlala eNgilani okanye eMntla Ireland. Ngolwazi oluthe kratya malunga noku, nceda ufunde inqaku lethu: Abathengi baphesheya bacinga ukuthenga indawo yokuhlala eNgilani okanye eMntla Ireland ngo-2021?
Kwipropati yorhwebo okanye kwipropati yokusetyenziswa okuxubeneyo, uya kuhlawula i-SDLT ekunyuseni kweengxenye zexabiso lepropati xa uhlawula i-£ 150,000 okanye ngaphezulu. Ngokutshintshela simahla umhlaba worhwebo, uya kuhlawula i-SDLT ngezi ntlawulo zilandelayo:
| Ipropati okanye i-premium yokuqeshisa okanye ixabiso lokudlulisela | Ireyithi ye-SDLT |
| Ufike kwi £ 150,000 | Unothi |
| I-£100,000 elandelayo (isahlulo sisuka kwi-£150,001 ukuya kwi-£250,000) | 2% |
| Imali eseleyo (isahlulo esingaphezulu kwe-£250,000) | 5% |
Xa uthenga indawo entsha engeyiyo yokuhlala okanye exubeneyo yokuqeshisa uhlawula i-SDLT kuzo zombini ixabiso elithengiweyo lengqeshiso kunye nexabiso lokuthenga lengqeshiso kunye nexabiso lerenti yonyaka oyihlawulayo ('ixabiso elikhoyo eliseleyo'). Ezi zibalwa ngokwahlukeneyo zize zongezwe kunye. Le ntlawulo ingentla iyasebenza.
Ingcali yakho yerhafu okanye igqwetha liya kukwazi ukubala ityala lakho le-SDLT ngokwemilinganiselo esebenzayo ngexesha lokuthenga okanye lokuqeshisa kwakho.
Amanye amakhonkco aluncedo:
- 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/
Ngolwazi oluthe kratya okanye isikhokelo malunga nendlela yokuthenga ipropathi, ukumisa ishishini lakho ukugcina irhafu, ukuqwalaselwa kwerhafu e-UK, ukudibanisa ngaphandle kwe-UK, ukufudukela kwelinye ilizwe okanye nayiphi na enye into yokufuduka okanye ukutyala imali e-UK nceda uqhagamshelane nathi ingcebiso.uk@dixcart.com.
