Tax deduction kwi zinto ezifunyanwa

Ukuthenga indlu okanye iiflethi - ayikho nje isiganeko onwabe. Kunye nokufunyanwa amalungelo obunini kwizindlu umniniyo angathembela ukukwazi ukusebenzisa kutsalwe irhafu. Undoqo kule nzuzo kukunciphisa isiseko serhafu, nto leyo igcinwe irhafu yengeniso. Ubukhulu liphezulu ukutsalwa kwerhafu 2 million. Engange esebenzayo namhlanje ukuba kuthengwe kwezivumelwano real estate kugqitywe emva 01.01.2008. Kulo mzekelo, xa isixa-mali zithathelwa ingqalelo, kodwa hayi ezinxulumene nokufunyanwa indawo, kodwa ukuze yolwabiwo yayo yoqobo. Ukuba ukuthenga ikhaya oluqhutywa kwimarike zaseprayimari, imfuno ukulungiswa kufuneka zibhalwe.

Iimpawu ze ukutsalwa kwerhafu

Kuqala kwinto zonke, sebenzisa eli onokuyizuza kuba kanye, nokuba inani iipropati ezifunyenwe. Lisenze irhafu ifumaneka kuphela ukuya nabanini ubudala kunye umthombo esisigxina imali. Ukuba indlu zithengwa egameni umhlala-phantsi, wafumana njengesipho, okanye isivumelwano eqhutywa phakathi kwezalamane ezisondeleyo, ukutsalwa kwerhafu awukwazi ukuyisebenzisa. Olu phawu ayifumaneki kunye noosomashishini, kuba lowo nemihlaba - indawo enxulumene ekuqhutyweni kweshishini.

Ingongoma ebalulekileyo ukuba ixhuzulwe irhafu xana wa ha pfumala ukuthenga izindlu ngokuxhaphaza-mali ezifunyenwe mali (umzekelo, imali maternity) okanye ezivela kubantu besithathu. Kodwa abanikazi ukuthenga impahla nge-mboleko sokubambisa, ithuba ukunyusa ubungakanani wokutsalwa kwerhafu lusekiwe. Ngenxa yale meko, lo mali iphezulu 2 million. Engange ayibandakanyi inzala ehlawulwa kwi-mboleko.

Umyalelo lokubhaliswa ukutsalwa kwerhafu

Ukuze ufumane inzuzo kwirhafu ukuba umnini propati kufuneka ngqo apho uya kusebenzisa ilungelo layo. Nge self-yokuphatha kwirhafu yokutsalwa kwerhafu ofisi sivunyiwe ngokohlobo ukubuyiselwa irhafu ehlawulelwe kunyaka odlulileyo. Oku kuya kufuna ukuba lingenise iphakheji amaxwebhu ukuze ziqwalaselwe apho kunikwa iinyanga ezi-3. Isibheno senziwa kwiofisi yerhafu kwisithili apho umnini wepropati ebhalisiweyo. Ngoko ukuba isicelo njani imali yerhafu ungazibekeli ixesha nciphiso, ingenziwa nangaliphi na ixesha lonyaka olandelayo umnyaka nokufunyanwa kwempahla. Kubalulekile ukuba umlibale kokungeniswa kwangethuba isibhengezo yengeniso.

Abo banqwenela ukugcina ixesha nomgudu, iyavakala lokukhupha ukuxhuzulwa irhafu nge umqeshi wakho. Kulo mzekelo, intlawulo inzala iya kuhlawulwa ngaphandle kutsalwe irhafu yengeniso logama nje isiseko irhafu alifikeleli imali efunekayo. Ukuba umnini abaqeshi eziliqela, bekuya kuba sengqiqweni ukusebenzisa ilungelo ukutsala apho umvuzo ubuninzi.