Ucabanga Ukuthuthela Indawo yokuhlala noma Yebhizinisi e-UK? Funda Umhlahlandlela wethu Osebenzayo Wezakhiwo Zokuhlala Nezohwebo e-UK
Ingabe abantu bangaphandle bangathenga indawo e-UK?
Yebo. Akukho lutho oluvimba umuntu ongeyena umhlali wase-UK noma indikimba yebhizinisi ukuthenga indawo e-UK (yize umuntu kuzodingeka abe neminyaka eyi-18 noma ngaphezulu ukuze abe netayitela elisemthethweni lendawo futhi ibhizinisi laphesheya kwezilwandle kufanele libe ngaphambi kokuthola indawo efanelekayo kuqala. ibhaliswe e-Companies House ngokuthobelana Nomthetho Wobugebengu Bezomnotho (Okungafihli lutho Nokuqinisekisa) 2022).
Ngaphandle kwalokhu okungenhla, imithetho ehlukene iyasebenza eScotland naseNyakatho Ireland ngokuphambene nendawo eseNgilandi naseWales. Sizogxila ngezansi endaweni etholakala eNgilandi naseWales. Uma uhlose ukuthenga indawo e-Scotland noma e-Northern Ireland, sicela ufune izeluleko ezizimele kuchwepheshe wakulezo zindawo.
Isiqondiso esingezansi sigxile esakhiweni esise-England naseWales.
Uqala kanjani ukusesha indawo yakho?
Kunenombolo yezinjini zokusesha izakhiwo eziku-inthanethi. Ngokwesiko ama-ejensi asebenza ngokukhethekile endaweni yokuhweba noma yokuhlala kodwa hhayi kokubili. Qala ngenjini yokusesha ukuze uqhathanise izakhiwo zedolobha lakho olikhethile noma kwenye indawo futhi uthintane ne-ejenti yendawo ekhangisa indawo ukuze uhlele ukubuka. Intengo yokuxoxisana ngaphansi kwenani elikhangisiwe kuvamile.
Kungani kubalulekile ukubuka indawo?
Uma usuyitholile indawo kubalulekile ukuthi uyibone, yenza ukusesha okuvamile kwangaphambi kwenkontileka ngokumelene nayo (ummeli wendawo noma umdluliseli wezindlu obhalisiwe uzokwazi ukukusiza) noma ucele umhloli womhlaba ukuthi ayibuke.
Isimiso se i-bakoat emptor (“vumela umthengi aqaphele”) kusebenza emthethweni ovamile. Umthengi yedwa unesibopho sokuhlola indawo. Ukuthenga ngaphandle kokubuka noma ukuhlola ngokuvamile kuzoba sengozini yomthengi. Abathengisi ngokuvamile ngeke banikeze iziqinisekiso noma izinxephezelo mayelana nokufaneleka kwendawo.
Ukuxhasa kanjani ukuthenga?
Umenzeli wezindlu kanye nanoma yibaphi ochwepheshe abahililekile ekuthengisweni bazoba nentshisekelo yokwazi ukuthi uhlose ukukuxhasa kanjani ukuthenga. Lokhu kungase kube ngemali, kodwa iningi lempahla ethengwe e-England nase-Wales kungenxa yemalimboleko yendlu/impahla. Ayikho imikhawulo kubantu bangaphandle abathola imali ebolekwayo yase-UK ukuze basize ngezimali ukuthenga nakuba ungase uhlangabezane nezidingo eziqinile, isibopho sokukhokha idiphozithi enkulu nezinga lenzalo eliphezulu.
Hlobo luni “lwefa” elisemthethweni endaweni ohlose ukuyithenga?
Ngokuvamile, indawo ithengiswa ngetayitela le-freehold (unayo ngokuphelele) noma itayitela lokuqashisa (elithathwe endaweni yamahhala onayo iminyaka eminingana) - zombili izizinda zomhlaba. Ezinye izithakazelo zomthetho kanye nezinto ezizuzisayo zikhona futhi kodwa azifakwa lapha.
IHhovisi LokuBhaliswa Komhlaba loNgangezwe Lakhe linerejista yawo wonke amatayitela asemthethweni. Uma inani lomnikelo wakho lamukelwe umeluleki wakho wezomthetho uzobuyekeza irejista efanele yetayitela elisemthethweni laleyo ndawo ukuze abone ukuthi indawo oyithengayo iyathengiswa yini ngaphansi kwanoma yiziphi izibophezelo. Imibuzo yangaphambi kwenkontileka nayo izobuzwa nomthengisi ukuze kuqinisekiswe ukuthi azikho izithakazelo zenkampani yangaphandle ezigibele ngokweqile endaweni okungenzeka ukuthi azizange zibe sobala ekuvakasheleni kwakho isayithi.
Uma umthengi engaphezu koyedwa efuna ukuba ngabanikazi bendawo, leyo ndawo izobanjwa kanjani?
Itayitela elisemthethweni lendawo lingaphathwa abanikazi abasemthethweni abafika kwabane.
Kungase kube nezinzuzo zentela noma ububi endleleni onquma ngayo ukubamba indawo njengomnikazi osemthethweni nokuthi lokho kungomuntu ngamunye noma izinhlangano zebhizinisi noma inhlanganisela yakho kokubili. Kubalulekile ukuthatha izeluleko zentela ezizimele kusenesikhathi.
Lapho indawo kuhloswe ukuthi igcinwe abanikazi bawo, cabanga ukuthi isihloko esisemthethweni kufanele sigcinwe abanikazi bawo “njengabaqashi abahlanganyelwe” (ubunikazi obuzuzisayo bomuntu ngamunye budlulisela ukufa kwabanye abanikazi bawo) noma njengokuthi “ abaqashi ngokuhlanganyela” (isabelo esizuzisayo esiphethwe, sidlulisela ukufa empahleni yabo noma okusingathwa ngayo ngaphansi kwencwadi yefa).
Kwenzekani ngokulandelayo?
Usuyitholile indawo futhi intengo yakho yomnikelo yamukelwe futhi usunqume ukuthi ubani ozoba netayitela elisemthethweni laleyo ndawo. Kwenzekani ngokulandelayo?
Uzodinga ukuyala ummeli noma umdluliseli wempahla ukuthi enze ngokucophelela okufanele, ubuze imibuzo, wenze ukusesha okuvamile kwangaphambi kwenkontileka futhi akweluleke ngesikweletu sentela esingaba khona. Uzodinga ukuphasisa umgomo ojwayelekile othi “wazi iklayenti lakho” ngaphambi kokuthi kuqale umsebenzi wezomthetho ngakho-ke zilungiselele ukuthola amadokhumenti afanele adingekayo ekukhwabaniseni imali okujwayelekile namanye amasheke.
Lapho uthenga indawo yokuhlala mahhala noma yokuqashisa ngaphansi kwenkokhelo, ngokuvamile inkontileka iyabhalwa futhi kuxoxiswene ngayo phakathi kwezinhlangothi. Uma sekuvunyelwene, inkontileka “iyashintshaniswa” ngaleso sikhathi idiphozithi ikhokhwa kummeli womdayisi (imvamisa cishe ku-5 kuya ku-10% yenani lokuthenga). Uma isivumelwano sesishintshiwe zombili izinhlangothi zibophezelekile ukwenza inkontileka (ukuthengisa nokuthenga) ngokuhambisana nemibandela yenkontileka. “Ukuqedwa” komsebenzi kwenzeka ngedethi ebekwe kunkontileka futhi ngokuvamile kuba yinyanga kamuva kodwa kungase kube maduze noma kamuva, kuye ngokuthi ingabe inkontileka ingaphansi kwemibandela yokwaneliseka.
Lapho kuqedwa ukudluliswa kwesakhiwo samahhala noma sokuqashisa isikhathi eside, ibhalansi yenani lokuthenga izokhokhwa. Eziqashisweni ezintsha ezimfishane zazo zombili izakhiwo zezentengiselwano nezokuhlala, uma sekunedethi yokuqashisa entsha, udaba seluphothuliwe futhi umnikazi wendawo uzothumela isiqashi esisha i-invoyisi yerenti, izindleko zesevisi kanye nomshwalense ngokwemibandela yokuqashisa.
Ummeli wabathengi/abaqashi kuzodingeka enze isicelo kuHlelo LokuBhaliswa Komhlaba Lobukhosi ukuze abhalise ukudlulisa/ukuqashisa okusha. Isihloko esisemthethweni ngeke sidlule kuze kuqedwe ukubhaliswa.
Yiziphi izintela okudingeka zicatshangelwe lapho uthatha isihloko sokuqashisa noma isihloko samahhala?
Impatho yentela evela ekubeni nendawo yamahhala noma yokuqashisa e-UK izoncika kakhulu ekutheni kungani umuntu ngamunye noma ibhizinisi liphethe indawo. Umthengi angase athenge noma aqashise indawo yokuhlala, ahlale endaweni azohwebela kuyo, eyakhe ukuze athuthuke ukuze athole imali yokuqasha noma athenge njenge-investimenti ukuze athuthuke futhi adayise ukuze athole inzuzo. Izintela ezihlukene ziyasebenza esigabeni ngasinye ngakho-ke kubalulekile ukuthi ukhulume nochwepheshe bezentela kusenesikhathi, kuye ngokuthi yiziphi izinhlelo onazo ngendawo.
Intela eyodwa ekhokhwa zingakapheli izinsuku eziyi-14 kuqedwe ukuqashiswa noma ukudluliswa kwesakhiwo e-England (ngaphandle kwalapho kukhona ukukhululwa okulinganiselwe noma ukukhululwa) intela yentela yesitembu (“SDLT”).
Ngezakhiwo zokuhlala bheka amanani alandelayo ngezansi. Nokho, inhlawulo eyengeziwe engu-3% ikhokhwa ngaphezulu uma umthengi esevele engumnikazi wendawo kwenye indawo:
| Intengo yempahla noma yokuqashisa noma yokudlulisa | Inani eliphakeme kakhulu lama-SDLT |
| Kufika ku £ 250,000 | Zero |
| I-£675,000 elandelayo (ingxenye esuka ku-£250,001 kuya ku-£925,000) | 5% |
| U-£575,000 olandelayo (ingxenye esuka ku-£925,001 iye ku-£1.5 million) | 10% |
| Inani elisele (ingxenye engaphezu kuka-£1.5 million) | 12% |
Lapho uthenga indawo entsha yokuqashisa, noma iyiphi iphrimiyamu izokhokhiswa intela ngaphansi kwalokhu okungenhla. Nokho, uma isamba serenti phakathi nesikhathi sokuqashisa (esaziwa ngokuthi 'inani eliphelele lamanje') lingaphezu komkhawulo we-SDLT (okwamanje u-£250,000), uzokhokha i-SDLT ngo-1% engxenyeni engaphezu kuka-£250,000. Lokhu akusebenzi ekuqashiseni okukhona ('okwabelwe').
Uma ungekho e-UK okungenani izinsuku eziyi-183 (izinyanga eziyisi-6) phakathi nezinyanga eziyi-12 ngaphambi kokuthenga kwakho, 'awusona isakhamuzi sase-UK' ngezinjongo ze-SDLT. Ngokuvamile uzokhokha inhlawulo engu-2% uma uthenga indawo yokuhlala e-England noma eNyakatho Ireland. Ukuze uthole ulwazi olwengeziwe ngalokhu, sicela ufunde isihloko sethu: Abathengi baphesheya kwezilwandle bacabanga ukuthenga indawo yokuhlala eNgilandi noma eNyakatho Ireland ngo-2021?
Empahlani yezentengiselwano noma endaweni esetshenziswayo exubile, uzokhokha i-SDLT ekunyuseni izingxenye zentengo yendawo lapho ukhokha u-£150,000 noma ngaphezulu. Ukuze udluliselwe mahhala umhlaba wokuhweba, uzokhokha i-SDLT ngamanani alandelayo:
| Intengo yempahla noma yokuqashisa noma yokudlulisa | Inani eliphakeme kakhulu lama-SDLT |
| Kufika ku £ 150,000 | Zero |
| I-£100,000 elandelayo (ingxenye esuka ku-£150,001 kuya ku-£250,000) | 2% |
| Inani elisele (ingxenye engaphezu kuka-£250,000) | 5% |
Uma uthenga indawo yokuqashisa entsha engeyona indawo yokuhlala noma yokusebenzisa okuxubile ukhokha i-SDLT kukho kokubili inani lokuthenga lentengo yokuqashisa kanye nenani lerenti yonyaka oyikhokhayo ('inani lonke lamanje'). Lezi zibalwa ngokwehlukana bese zengezwa ndawonye. Izinkokhiso ezingaphezulu okubhekiselwe kuzo nazo ziyasebenza.
Uchwepheshe wakho wentela noma ummeli uzokwazi ukubala isikweletu sakho se-SDLT ngokuya ngamanani asebenza ngesikhathi sokuthenga noma sokuqashisa kwakho.
Ezinye izixhumanisi eziwusizo:
- 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/
Ukuze uthole ulwazi olwengeziwe noma isiqondiso sendlela yokuthenga indawo, hlela ibhizinisi lakho ukuze wonge intela, ukucatshangelwa kwentela e-UK, okuhlanganisa ngaphandle kwase-UK, ukuthuthela kwelinye izwe ibhizinisi nanoma iyiphi enye ingxenye yokuthuthela noma ukutshala izimali e-UK sicela usithinte ku. iseluleko.uk@dixcart.com.
