Ukuhlinzekwa kwezimali ze-mortgage Isetshenziselwani?

La ukuhlinzekwa kwezimali zokubambisa Ukubalwa kwezindleko ezihambisana nokudayiswa kwesakhiwo. Thola ukuthi ziyini lezi zindleko eziyisibopho ngokufunda isihloko esilandelayo.

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Ukuhlinzeka ngemali ye-mortgage

Lapho umuntu ecela imali yokuthenga indlu ukuze athole ikhaya, inqubo iqala ngasohlangothini lwesikhungo sezezimali ukuze sikwazi ukunikeza ikhasimende isikweletu. Ukuze lihambisane nemithethonqubo yezomthetho, ibhange lenza uchungechunge lwezinyathelo ezisekelwa yinkontileka yokuboleka imali.

Phakathi kwemibandela yomthetho kukhona nalokhu okubizwa nge-mortgage funds. Le nqubo ikuvumela ukubala izindleko ezihilelekile kuyo yonke inqubo yokuthenga nokudayisa indawo. Lezi zindleko yizintela ezihlukahlukene ezifana ne-AJD, i-ITP ne-VAT, kanye nezinkokhelo ze-notary, i-ejensi, kanye nenani elibekelwe ukudayiswa.

Isamba senani lephesenti maqondana nawo wonke lawa ma-emoluments silandelana ngo-10% no-12% wesamba sezindleko zezindlu. Izinkokhelo kufanele zenziwe ngokwehlukana, ngakho umdayisi kufanele acabangele lezi zindleko ngaphambi kokuqhubeka nokwethula idokhumenti efanele.

Kodwa-ke, akugcini lapho, ngaphezu kwalokho, ukuxhaswa kwezimali okungu-20% kufanele kwengezwe, ngoba amabhange awanikezi imali mboleko yezindlu ezingaphezu kuka-80% no-75% ezimweni zezindlu zesibili. Ngakho-ke uma uthenga ikhaya kufanele ube no-30% wezinsiza ezengeziwe ngokusekelwe enanini lekhaya.

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Zenzelwe ini?

Lokhu kunikezwa kwezimali ze-mortgage (okwamanye amazwe ezinelinye igama) kusetshenziswa izikhungo zezezimali ukumboza, phakathi kwezinye izinto nezinye izici, okulandelayo:

I-Value Added Tax esimweni lapho ikhaya lilisha, esimweni sezindlu zamasekeni, i-Property Transfer Tax (ITP) kufanele ikhokhwe.

Bheka isihloko esilandelayo esilandelayo Ugcwalisa kanjani ifomu 600 okuyisidingo esiyisibopho lapho uthenga ikhaya.

  • Ukukhokhwa kwamakhomishana ahlobene nesikweletu se-mortgage.
  • Izindleko Zokubhaliswa Kwempahla.
  • Izinga lokutholwa kwezindlu.
  • Izimali ze-ejensi kanye ne-notary.
  • Intela Yezenzo Zomthetho Ezibhaliwe.

Njengoba izenzo zihlukile, kumele zenziwe ngokuphindwe kabili, enye ibe ngeyenqubo yokuthenga nokudayisa indawo futhi enye ibe ngeyokwenziwa ngokusemthethweni kwemali mboleko yezindlu. Ukuhlinzekwa kwezimali ze-mortgage kuyehluka kuye ngohlobo lwebhizinisi lasebhange futhi ngokuya ngendawo ye-ejensi yasebhange kanye ne-ejensi lapho amaminithi enevelu ehlukile.

Izindleko ezinkulu ekuhlinzekweni kwezimali ze-mortgage zimelelwa ukukhokhwa kwezintela kuyo yonke i-ITP. Ukukhokhwa kwale ntela kanye ne-VAT, kuncike ngisho ohlotsheni lomphakathi lapho kuthengwa khona indawo.

Ukukhokhwa kwezimali

Kwezinye izimo, ukuhlinzekwa kwezimali ze-mortgage kungenza i-surplus, nakuba lokhu kuyisimo esingavamile. Kulokhu, ibhange lenza izibalo ezihlobene nomehluko futhi ngemva kwezinsuku ezimbalwa lilungiselela idokhumenti lapho iklayenti kufanele lisayine futhi ligunyaze ukuze lifakwe ku-akhawunti yalo yasebhange.

Inqubo ithatha amasonto ambalwa ngisho nezinyanga, ukuze ifakwe kamuva ku-akhawunti, njengoba kufanele idlule kunqubo yokuqinisekisa nokubuyekeza; Ukuqedwa kwezimali kuyinqubo evame ukuhamba kancane kunenqubo yokuthengisa ikhaya, okuhlanganisa nesicelo sesikweletu.

Ngemuva kokuthi ukuqedwa kwendlu sekuqediwe, wonke ama-invoyisi namarisidi okufanele agcinwe yiklayenti alethwe, ngenhloso yokuyibhalisa. Lawa ma-invoyisi asetshenziswa ngisho ukwenza izimangalo ezihlobene nobunikazi bomhlaba noma izindleko ezihlobene nohlobo lokwenziwa ngokusemthethweni.

Ukuhlinzekwa kwezimali kuyinqubo edingekayo eyingxenye yesistimu yaseSpain yokubhaliswa nokulawulwa kwezakhiwo, futhi ezinhlotsheni ezingokomthetho zentela. Nakuba inokuthile okukhethekile, inqubo yokuhlinzekwa kwezimali esisanda kuyichaza ihlobene nendlela esungulwa ngayo eSpain.


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  1. Ubhekele idatha: I-Actualidad Blog
  2. Inhloso yedatha: Lawula Ugaxekile, ukuphathwa kwamazwana.
  3. Ukusemthethweni: Imvume yakho
  4. Ukuxhumana kwemininingwane: Imininingwane ngeke idluliselwe kubantu besithathu ngaphandle kwesibopho esisemthethweni.
  5. Isitoreji sedatha: Idatabase ebanjwe yi-Occentus Networks (EU)
  6. Amalungelo: Nganoma yisiphi isikhathi ungakhawulela, uthole futhi ususe imininingwane yakho.