Ukuncitshiswa kwendawo yokuhlala

Indawo yokuhlala Umrhafi yigama elithi Arhente yeRhafu ichazwe njengelo khaya lizalisekisa iimfuno eziboniswe ngezantsi:

Ukuba ikhaya lenza indawo yokuhlala kangangesithuba seminyaka emi-3 ubuncinci.

Kwangokunjalo, ikhaya liyaqhubeka ukuba nomlinganiswa "oqhelekileyo" xa, nangona ixesha lingagqitywanga ngokupheleleyo, ukusweleka komhlawuli werhafu kwenzeka okanye iimeko zenzekile ezifuna ukuba kutshintshwe idilesi, njengokutshintshwa komsebenzi, ukufumana Umsebenzi wokuqala, utshintsho lomsebenzi, umtshato, ukwahlukana komtshato, njl.

Ezo zindlu Uhlala kwisithuba seenyanga ezili-12, ubala ukusukela kumhla wokufunyanwa kwepropathi okanye ukugqitywa kolwakhiwo.

Ikhaya alisoze lilahlekelwe sisiqhelo kwesiqhelo kwezi meko zilandelayo:

Kwimeko apho umrhafi esweleka okanye xa iimeko zenzekile ezithintela ukuhlala kwepropathi.

Ukuba, ngenxa yezizathu zengqesho, umrhafi uyayonwabela indawo yokuhlala kwaye indawo yokuhlala ayifumaneki. Xa kusebenza la mahluko ungasentla, ukutsalwa okuza kwenziwa ekufumaneni ipropathi kuya kuqaliswa ngexesha apho iimeko ezithile zivela khona ukuze kutshintshwe indawo yokuhlala okanye kuthintelwe ukuhlala kwalonto ngandlela thile.

Kwimeko apho kukho ubuninzi beendawo zokuhlala, iya kuchazwa njenge ziqhelo enye ahlala kuyo umrhafi kwithuba elingaphezulu kweentsuku ezili-183 ngonyaka.

Kuthathelwa ingqalelo ukuba umrhafi ngokoko kumiselwe yirhafu yengeniso yakhe, uya kuhlala ngokusesikweni eSpain xa efumana kule meko, eboniswe ngezantsi:

Ukuba ihlawulwe ngaphezulu kweentsuku ezili-183, zonyaka wekhalenda, kumhlaba waseSpain, kufanele ukuba kuqatshelwe ukuba akuyomfuneko ukuba iintsuku ezili-183 zigqitywe ngokulandelelana, oku kuthetha ukuba zinokutshintshwa ngaphandle kokuphazamisa, ukuba nje zibalwa ngokuzimeleyo rhoqo ngonyaka.

Ukubala kunye nokurekhodwa kwexesha abahleli ngalo kumhlaba waseSpain, ukuhlala okwethutyana eSpain okunemvelaphi yoxanduva olusekwe zizivumelwano zentlalontle yoluntu, simahla, kunye nolawulo loluntu lwaseSpain aziyi kubalwa.

Kwimimandla echazwe njengeendawo zokurhafisa, ulawulo lwerhafu luya kuba nakho ukufuna ubungqina bokuhlala ngokusisigxina kwiintsuku ezifanayo ezili-183 zonyaka.

La utsalo ngokufumana

Ngokubhekisele kwelona lizwe lihlala kulo irhafu yengeniso yakho, sesinye sezibonelelo zerhafu ezibaluleke kakhulu usapho olunokuxhamla kuzo, nokuba ipropathi ithengiwe ukusukela ngoJanuwari 2013 izibonelelo ziyatshintsha.

Rent Iindaba

Ayisiyiyo kuphela le ntengiselwano ukuba yenziwe ibe semthethweni ephepheni, inokufunyanwa nesicelo seRenta WEB, kuba utshintsho kumthetho wohlengahlengiso lwerhafu luthathe ifom epheleleyo kunye nolwakhiwo lwengxelo. Oko ngayo siya kuhlawula kancinci, ngokucacileyo hayi kuzo zonke iimeko ngokulinganayo, kuba ngaphandle kwento yokuba amanye amaxabiso ehlisiwe kwaye aphuculwa, ezinye zeemfuno ezisezantsi. Ukuncitshiswa okuninzi kulungisiwe ngamanye amaxesha kunefuthe elibalulekileyo lerhafu.

Utshintsho olwenziwe ukuhlawula ngaphezulu

Kulo nyaka ukuncitshiswa ngokubanzi kwe-2.652 euro kunyamalele, efunyenwe kwingeniso yomsebenzi, nokuba yeyiphi na imali eseleyo, nayo nayiphi na imali elingana nenye ingeniso efunyenweyo. Ukutshintsha oku, a Inkcitho enokutsalwa kwixabiso lama-euro angama-2.000 ekubhekiswe kuwo njengenye inkcitho. Ezi ndleko zinokuhlawulwa okanye zixolelwe kumatyala amabini: eyokuqala kuxa ngelishwa ungasebenzi kwaye ufumana umsebenzi ofuna ukutshintsha indawo yokuhlala, ezi ndleko zinyuka nge-2.000 euros ngonyaka.

Ityala lesibini elilixa apho umsebenzi osebenzayo okhubazekileyo eyonyusa inani ukusuka kwi-3.500 ye-euro ukuya kwi-7.750 ye-euro ngonyaka kwimeko yabasebenzi abasebenzayo, ngokwenqanaba labo lokukhubazeka.

Ukuxolelwa izahlulo. Ezi yayizizo uxolelo ngokupheleleyo umda we-1.500 euro ngonyaka, kunye nakho konke ukuthatha inxaxheba Izibonelelo ezifumaneke ekubeni nezabelo kulo naliphi na iziko. Olu xolelo luye lwapheliswa ukusukela ngo-2015 izahlulo Ukubanjiswa kusetyenzisiwe kubo ngoku xa uziqokelela, ngale nto, utshintsho luyabonakala kulonto, ukuba kwiminyaka edlulileyo bebehlala bebuyisa ezi ntlawulo zangaphambili, akusekho njalo.

Yonke imbuyekezo ebuyayo efunyenwe ngohlobo oluthile iyahlawulwa irhafu, ngaphandle kwemeko ezimbini kuphela: imali eyabelwe uqeqesho lwabasebenzi kunye ne-inshurensi yokuba noxanduva kuluntu lomsebenzi wobungcali womsebenzi.

Yongezwe koku, amathuba okuba kukutsala mediante izicwangciso zomhlala phantsi ancitshisiwe kule minyaka idlulileyo, kuba imida ebekiweyo ingaphantsi kwama-8.000 euros ngonyaka kubo bonke abarhafi ngokubanzi. Umda obekwe ngaphambili kwi-10.000 euros ulungisiwe, kwaye kubantu abangaphezulu kweminyaka engama-50 ubudala ngama-12.500.

Irhafu ebekwe kwirente nayo iya isiba mandundu, yomnini-mhlaba kunye nomqeshi. Kumnini-mhlaba, kuncitshiswe ixesha elinye i-60% yengeniso efunyenwe kwirenti yamakhaya. Kumqeshi, ukuncitshiswa kwerenti kuya kulahleka kuzo zonke iikhontrakthi ezisayiniweyo, njengasekuthengweni kwezindlu nomhlaba, olu ncedo lwalukade luluncedo lulahlekile.

Utshintsho olwenziwe ukuhlawula incinci

Olona phuculo luphambili ngaphandle kwe ukuncitshiswa kweerhafuKungenxa yokuba ubuncinci bomhlawuli werhafu buya kuphakanyiswa, obonyuke ukusuka kwi-5.150 ukuya kwi-5.550 euro. Kwelinye icala, iimali eziphakanyisiweyo zibhekisa kubudala bomrhafi. Ngale ndlela, xa umhlawuli werhafu efikelele kubudala obungaphezulu kweminyaka engama-65, isixa sobuncinci siya kunyuswa nge-1.150 yee-euro ngonyaka.

Xa umrhafi efikelele kubudala obungaphezulu kweminyaka engama-75, isixa sobuncinci siya kuba yi-1.400 euros ngonyaka. Ukuhamba ukusuka kwi-7.191 ukuya kwi-8.100 ye-euro ngohlaziyo.

Uye wanyuka nobuncinci ngomnombo o inzala. Kumntwana wokuqala, isuka kwi-1.836 ye-euro ukuya kwi-2.400 euro. Kumntwana wesibini isuka kwi-2.040 euro ukuya kwi-2.700 euro, kumntwana wesithathu, isuka kwi-3.672 ye-euro ukuya kwi-4.000 ye-euro, kwaye kowesine nakubantwana abalandelayo, isuka kwi-4.182 ye-euro ukuya kwi-4.500 euro. Xa uqikelelo inzala ingaphantsi kweminyaka emithathu ubudala, isixa siya kunyuka nge-2.800 euro ngonyaka.

Iimowudi zokwenza ukuncitshiswa kotyalo-mali kwindawo yokuhlala yesiqhelo

• Ulwakhiwo lwendawo yokuhlala yokuhlala: zonke ezo nkcitho zivela ekwenzeni imisebenzi okanye izixa ezihanjisiweyo kuyilo, ukumisela ixesha eli-4 leminyaka ukusuka kutyalo-mali.
• Ukufunyanwa okanye ukulungiswa kwakhona kweyona ndawo yokuhlala iphambili: ubunini bekhaya.
• Umsebenzi okanye ulungelelwaniso lwabantu abakhubazekileyo, ngomda obekiweyo we-12.080 euros ngonyaka. Kule meko, i-20% yeendleko inokutsalwa, eyahlulwe yangumbuso kunye nengingqi.
• Ukwandiswa kwendawo yokuhlala yokuhlala: ukwanda kwendawo eyakhiwe ngokusisigxina.
• Utyalo-mali kwiakhawunti yendawo yokuhlala yesiqhelo, ukuba nje olu tyalo-mali lumiselwe ukufunyanwa kuqala okanye ukuhlengahlengiswa kwendlu. ngaphandle kokuba utyalo-mali lwenziwe isithuba seminyaka emi-4 ubuninzi.

Nangona Ukuncitshiswa kwendawo yokuhlala yanyamalala ukusukela nge-1 Januwari 2013, basebaninzi abahlawuli berhafu abaqhubeka nokuxhamla kuyo. Kwaye bonke abo bayifumene phambi kukaJanuwari 2013, ukuseka njengalo mhla, ulawulo lwethutyana, olulawulwayo kumgaqo weshumi elinesibhozo wokudlula kuMthetho weRhafu yeNgeniso yobuqu, evumela abahlawuli berhafu ukuba baqhubeke nokonwabela iintlobo ezahlukeneyo zokuncitshiswa kwiimeko ezifanayo kunye noDisemba 31, 2012.

Ulawulo lotshintsho olusebenzayo kuye

Emva koJanuwari 2013 babenelungelo lokusebenzisa utsalo yotyalo mali ekhayeni lakho ngezixa ezihlawulwe kwilixa ekubuzwa ngalo aba bahlawuli berhafu balandelayo:

• Bonke abo bahlawula irhafu abafumene indawo yokuhlala okanye izixa ezithunyelweyo zokwakhiwa kwayo, phambi kukaJanuwari 1, 2013.
• Abo bahlawuli berhafu abathi ngandlel 'ithile babela imali ngaphambi kukaJanuwari 1, 2013 wokulungisa kwakhona okanye ukwandisa imisebenzi yepropathi, ukuba nje imisebenzi igqityiwe ngaphambi kukaJanuwari 1, 2017.
• Abarhafi abanikezela ngezixa zokwenza imisebenzi yokulungisa ikhaya lomntu okhubazekileyo, njengakwimeko yangaphambili ababenayo phambi kukaJanuwari 1, 2013, kwaye okoko imisebenzi esele ikhankanyiwe igqityiwe ngaphambi kukaJanuwari 1, 2017.

Ukuze usebenzise ngempumelelo ulawulo lotshintsho lwe- ukuncitshiswa, Bonke abarhafi bayacelwa ukuba bafake izicelo utsalo Yekhaya elixeliweyo ngo-2012 okanye eminye iminyaka edlulileyo, ngaphandle kwale meko, abangakhange bakwazi ukuyisebenzisa ukuza kuthi ga kulo mhla, kuba imali etyalwe kuyo, ngokunokwenzeka ayigqithisanga kwisixa esikhululiweyo sokuphinda kutyalwe kwakhona.