Kuzindikira Mbali ya Ndalama ya ku Australia m’Nthenda ya Kusoŵa Kokhala

Vuto la kutha kwa nyumba ku Australia ndi limodzi la mavuto aakulu kwambiri a zachuma amene dzikolo likuyang'anizana nawo. Ziŵerengero za kukhala ndi nyumba zakhala zotsika pakati pa ana aang'ono, kupanikizika kwa obwereka n’kofala, ndipo mabanja opeza ndalama zochepa akuvutika kupeza malo otetezeka, okhoza kugula. Pamene kuli kwakuti zinthu zambiri zikuthandizira kuwonjezerapo kuchuluka kwa anthu, kukhazikitsa malamulo, kumanga, ndi kuyendetsa ndalama zofunikira kuti boma lichite ntchito yaikulu ya za zachuma, za boma la Australia, zili ndi mphamvu yaikulu pa malamulo amene angapange zokhoza kukwaniritsa zotsatira zake. Nkhaniyi ikupenda kuchuluka kwa ndalama ndi mbali zake, ziwiyake, ndi kulephera kwake kuyang'anizana ndi vuto limene likufunitsa ntchito yogwirizana pa zachuma, za ndalama, ndi zaungwe la za boma.

Mabungwe a Ndalama ndi Malo Olumikizira Nyumba

Bungwe la Australian Treasury lili ndi udindo wolangiza boma za malamulo a zachuma, kuphatikizapo njira zoperekera msonkho, kukonzanso malamulo a misonkho, ndi kusungidwa kwa ndalama za boma. Nyumba zogona pamodzi ndi mbali iliyonse ya lamulo limeneli. Nyumba za anthu ndizo mbali yaikulu ya chuma chapanyumba, ngongole ya nyumba ndi nkhaŵa yaikulu ya zachuma, ndipo ndalama zoyendetsera msonkho (monga ngati kukonza bwino misonkho ndi kulipira msonkho) zimawononga ndalama za mabiliyoni ambiri chaka chilichonse. Ndalama za Kbankiyo yobisa malonda a nyumba, kukwera kwa ndalama, kugulitsa ndalama zothandizira kugulitsira ndalama, 0, 0892, ndi kugaŵira ziyambukiro zoperekera ntchito za kukonza mabizinesi ndi kugulitsa nyumba.

Malamulo a Ndalama ndi Msonkho

Bungweli limaonetsetsa kuti ndalama za msonkho zimene boma limapereka zimakhudza misika ya nyumba.

  • [[FLT: 0] Kulinganiza: Amalola oikizira ndalama kuchotsa zotaika pa ndalama zina. Ndalama nthaŵi zonse imajambula chiyambukiro cha kuchepetsa kapena kuchotsa kulola kumeneku, kuyesa mapindu a ndalama ndi ziyambukiro pa zopereka ndi mitengo ya nyumba.
  • Kapital percentage (CGT) : Kuchepetsedwa kwa 50% kwa chuma chosungidwa pa miyezi 12. Treasury imapenda mmene kusintha kuchepetsa kuchepetsa kuchepetsako ndalama zongopeka ndi kuchepetsa malo opezera ndalama.
  • Gawo loyamba la Pamapofu Opambana Saver (FHSS): Malo alola ogula oyamba a nyumba kusungitsa pakati pa kuchuluka kwa msonkho wovomerezeka. Kayendedwe ka Malamulo amalamulira zopereka, zoleka, ndi chipewa cha pachaka.
  • Home Medict Scheme Scheme: Boma likutsimikizira kuti limathandiza ogula oyenerera kugula ndi ndalama zochepera, zoyang'anizidwa ndi Treasurer yogwirizana ndi National Home Menance and Investicement Corporation (NHFIC).

Pamene kuli kwakuti Ndalama imapereka kusanthula kwa njira zimenezi, iyo simakhazikitsa lamulo la msonkho / / zosankha za ndale zadziko zikukhalabe ndi boma. Komabe, zotaika za Ndalama ndi kulinganiza mokulira mkanganowo ndi kapangidwe komalizira ka kusintha kulikonse.

Malo Okonzera Nyumba

Ndalama iliyonse ya boma imaphatikizapo ndalama zambiri zoyendetsera nyumba, zambiri mwa ndalamazo n’zokonzedwa ndi kuperekedwa ndi Khirisimasi. Zina mwa zinthu zimenezi ndi izi:

  • Kupereka ndalama kaamba ka [[FL:0] Fungo Lapatsogolo la Australia [1] (HAFF), thumba la malonda la $10 biliyoni limene limabweza ndalama kuti limange nyumba 30,000 za anthu ndi nyumba zobwereka zokwera mtengo pazaka zisanu. Ndalama ya Ndalama imayang'anira nyumba ya malikulu ndi ndandanda yotsatizana.
  • Malo ku maboma ndi magawo pansi pa Nyumba za Dziko ndi Chipangano cha Kusoŵa Kokhala (NHHA) (NHA), imene KGuwa la Ndalama limagwirizana ndi Dipatimenti ya Mautumiki a Kakhalidwe ka anthu kutsimikizira kugwirizana ndi malamulo ochirikiza.
  • Gawo lachisungiko lachindunji kupyolera mwa programu ya [[FL:0] MPAMBIRO , yosonyeza kuwonjezera kwa Treasurey chaka chilichonse.
  • Kupereka ndalama za NHFIC [[FLT: 0] Nyumba zokhoza kugwiritsidwa ntchito [1], zimene zimachepetsa mtengo wa malikulu a nyumba za chitaganya.

Mwa kulamulira maenvulopu a bajeti, Khate imayambukira chiyeso, nthaŵi, ndi kulinganiza kwa ziyeneretso za kusungitsa nyumba.

Wowonjezera: Malo Opangidwira Zinthu ndi Kutulutsidwa kwa Dziko

Mtokoma wa nyumba umadalira kwambiri pa kupezeka kwa malo, malamulo a kulinganiza, ndi mphamvu ya mafakitale. Treasury siilamulira mwachindunji kapena kumanga zilolezo . Maulamulirowo okhala ndi boma ndi maboma a kumaloko. Komabe, angasonkhezere kuperekedwa kwa malo kupyolera mwa zipangizo za boma:

Kukonza Malo Osungira Zinthu ndi Makina Oika Nyumba

Maprojekiti aakulu a zoyendera ndi ziŵiya zamagetsi oyendetsera oyendetsedwa ndi boma la boma (m’mphindi, ku Australia ndi National Panternated Advects) amatayidwa ndi kuyesedwa ndi Tribitala . Zosankha zimene zimatenga ntchitozo nzimene zimafunika kwambiri kuti apereke ndalama zothandizira kukonza malo obiriwira kapena madera osungira zinthu zimene zikanakhalabe. Bungwe la zachuma limagwira ntchito ndi Dipatimenti ya Infrastructure kutsanzira kubwerera kwa chuma cha nyumba zolumikizira kuti zinyamutsira, ndipo lingavomereze kuti zopereka za boma zikhale zogwirizana ndi malamulo oletsa.

Kugwiritsira Ntchito Malo ndi Dziko Komwe Mumayesa

Malo ovomerezeka a dziko pansi pa [FT:0] Environment Protection and Biodiversity Conservation Act 1999 angachedwe kapena kuimitsa ntchito zazikulu za anthu. Ndalama zimatengamo mbali m'kusintha kwa malamulo kuti zipimitse zolinga za malo okhala ndi zopimira zosungira nyumba, kuchirikiza njira zofufuzira pamene kuli koyenera. Kutsatira kwake nyumba zofunikira zotsutsana ndi projekiti yoperekera zinthu zoperekedwa kumadziŵitsa za boma ngati nthaŵi zovomerezera ziri zofunikira kuyang'anira zinthu zakuthupi.

Kuloŵererapo kwa Ndalama: Kuthandizana ndi Macroudidism

Kuwonjezera pa msonkho umene waperekedwa, Khirisimasi imayang’aniranso ntchito yopereka chithandizo cha ndalama zimene zimakhudza nyumba.

Zogulira ndi Zitsimikizo Zoyamba Kugula Zinthu Zapanyumba

Buku lotchedwa Home Confincict Scheme (kuphatikizapo First Home Mensidect, Regional Home First Resincict, and Family Confictsctive) lakula mofulumira, ndipo malo okwana 50,000 omwe alipo mu 202425. Treasury imayang'anira mapepala osindikizira mabuku, kugwiritsa ntchito ndalama zoyenerera, ndi kubwereka ndalama. Pamene kuli kwakuti njira zimenezi zimathandiza ogula a m'makampaniwo kuloŵa m’masitolo, otsutsa amati iwo amawonjezera ndi kukweza mtengo wa ndalama zimene Kbankiyo inavomereza.

Kuthandiza Banki Yosungira Malo ndi APRA

Treasurer sakhazikitsa ziŵerengero za chiwongola dzanja kapena malamulo anzeru, koma imathandizirana ndi Reserve Bank ya ku Australia (RBA) ndi bungwe la Australian Prudial Regativel Authority (APRA) kudzera ku Council of Financial Regueleator . Mabizinesi a nyumba mopambanitsa . Wopereka ndalama woongoza ndalama zambiri . Wachititsa APRIA kukhazikitsa malire a ngongole pa ndalama zokha ndi zopinga zosamalitsa. Kagulu ka ndalama kawo kamapereka chitsanzo changozi kuchokera ku ngongole yaikulu ya banja ndipo kangakulimbikitsa kuti pa APUA adakhala ndi njira zowongolera zowongolera. Pamene zisakhale njira za kukongola kwa ngongole, iwo amatsimikiza kuletsa kukwera kwa ndalama zimene zikuwonjezeka.

Kugwirizana Kupyola Maboma Aunyinji ndi Boma

Kukhoza kwa nyumba sikungathetsedwe ndi Commonwealth yokha. Maboma amalamulira ntchito ya malo, nyumba za boma, misonkho yopereka msonkho (ntchito), ndi chitetezo cha kampani. Bungwe la Khirisimasi limatsogolera kukambirana kwa boma pa kusamutsidwa kwa nyumba, kuphatikizapo NHA ndi mapangano atsopano a nyumba zokhalamo zolengezedwa mu 2024. Mbali yake imaphatikizapo:

  • Kukonza njira zoperekera nyumba m’dzikolo, kumagwirizana ndi kugwiritsa ntchito ndalama zoyendetsera nyumba.
  • Maboma otsutsa boma akupereka malingaliro akuti ntchito ya kukonzanso malo (m’njira yachidule, kusintha n’kusintha n’kukhoma msonkho waukulu) ndi kuona mmene ndalama zimakhudzira mayikowo.
  • Polimbikitsa Bungwe Lotumikira ndi Losatumikira kuti lilinganize dongosolo la bajeti ya boma ndi madeti a boma.

Mapangano a Khomwe a kukonza nyumba asintha pamene bungwe la ku Australia loona za nyumba linakonza malo osungirako nyumba, amene amathandiza kwambiri pa nkhani zolimbana ndi mlandu wa zzanuzi.

Anthu Oyamba Aposachedwa: HOFF, NHHA Kusintha Zinthu, ndi Nyumba za Dziko

Malo aakulu kwambiri omanga nyumba olamulidwa ndi boma la Alban ali ndi ndalama za Ndalama za Pantchitoyo.

Kumanga Nyumba ku Australia Mtsogolo (HAFF)

Kupita mu September 2023, HaFF imapanga $10 biliyoni m'malonda a anthu onse kukonza zobwezerera kumanga nyumba za anthu. Treasury sinangolinganiza kokha nyumba ya malikulu ya thumbalo (kuyang'anira kubwerera kwa 5% pachaka) komanso inayendetsa ndalama zimene zinakhutiritsa Office ya Palamente ya Ballet ya kusungidwa kwake kwa nthaŵi yaitali. Ndalamayo imafuna kugaŵira nyumba 30,000 pa zaka zisanu, limodzi ndi 10,000 kuti apeze mayankho osoŵa pokhala. Imathandizira kuyang'anira ndi Khirisiti ya pa Commission ku House Australia (Open HOPFIC).

Kuloŵa m’malo Nyumba za Dziko ndi Kusoŵa Kokhala (NHHA)

Mu 2024, boma linadzipereka ku NHHA yatsopano yowonjezera ndalama zothandizira kuwonjezera ($2 biliyoni kuposa zaka zisanu) ndi mikhalidwe yolimba yofunikira kupititsa patsogolo kusintha kwa kakonzedwe. Treasury inakonza njira yatsopano yothandizira anthu pogaŵana, kuwonjezerapo zizindikiro za kupanikizika, ndi kukonza za mbiri yakale za kukonzanso za kulephera kwa . Ilo linayambitsanso chofunika cha mayiko kupereka lipoti poyera la kumasulidwa kwa dziko ndi kuvomereza nthaŵi, kupima Mobiletsa Kayendedwe a Ndalama kuchokera ku njira yabwino koposa ya padziko lonse.

Lamulo la Nyumba za Dziko Lonse

Atayambitsidwa mu 2022 ndi kukonzedwa mu 2024, Chikalatacho ndi kugwirizana pakati pa maboma a boma, boma, ndi a kumaloko, limodzi ndi malo omanga nyumba ndi nyumba za anthu, kulinganiza kumanga nyumba zatsopano zokhala ndi malo atsopano 1,2 miliyoni mu 2029. Treasury imapereka kuneneratu kwa kuchuluka kwa anthu ndi kapangidwe ka banja kamene kamachititsa kuti anthu ayambe kuukira, ndipo imagwirizanitsa malipoti a kupita patsogolo kwa kamodzi pachaka.

Mavuto ndi Kusuliza Njira Yofikira Ndalama

Mosasamala kanthu za kukula kwake ndi kufikira kwake kwa ulamuliro, Treasury imayang’anizana ndi kulephera kuyang’anira kuthekera kwa nyumba.

Kugawanika kwa Malamulo ndi Kuchepa kwa Malo

Malamulo a nyumba amagawidwa pa madipatimenti ambiri . Treasury , Service , Intrust , Facess , kutsogolera ku zizindikiro zosagwirizana. Mwachitsanzo, pamene kuli kwakuti Treasury ifuna ndalama zomalipira pa [1] kwa oikizira ndalama, Dipatimenti ya Ndalama za Kakhalidwe ka anthu imalandira chithandizo chimene chimayendera mosadziŵika kwa oikizira amodzimodzi. Ndalama yasulizidwa chifukwa chosakakamiza thumba la kusintha zinthu limene limalinganiza, msonkho, ndi madongosolo a za kakhalidwe ka anthu.

Kulimba Mtima Polimbana ndi Msonkho Wolamulidwa

Magulu aakulu aŵiriwa apeŵa kusintha kwakukulu kwa kukonza mawindo ndi kuchepetsa KGT, mosasamala kanthu za kuvomereza mobwerezabwereza kwa zaka makumi ambiri kuti achepetse kapena kuchotsapo. Chisankho cha boma cha 2019 chinasonyeza mtengo wa ndale zadziko wa kusintha koteroko, ndipo Treasury tsopano ikugwira ntchito pansi pa malangizo a boma osapereka malamulo otsimikizirika owonjezera ndalama zokwanira . Otsutsa a Dipatimenti imeneyi amatsutsa kudziimira paokha.

Kusoŵa Kulamulira Koyenera pa Zosoŵa Zabwino

Boma ndi boma la kumaloko limakhala ndi njira zoperekera malamulo a malo, kukonzekera zilolezo, ndi malamulo a nyumba okhoza kukwera. Ndalama ingathe kusintha zinthu koma siingathe kukakamiza. Mikhalidwe ya NHA yakhala yofooka, ndi maboma ambiri akulephera kukwaniritsa zofunika popanda chilango. Chida cha Khate ya ndalama chikhoza kupatsa mwa kuchotsa / chipangizo chochepa chimene chingasokoneze bajeti mmalo mwa kulimbikitsa kusintha kwenikweni.

Zofunika kwa Opereka Ochuluka Zingawonongedwe

Kujambula zachuma ndi bungwe la Treasury ndi maphunziro monga Australian Howards and Urban Research Institute (AHURI) nthaŵi zonse kumasonyeza kuti kupereka ndi chitsimikizo kwa ogula malo oyambawo kuwonjezera kugula popanda kuwonjezera ndalama, kuchititsa kulipira ndalama. Ndalama yavomereza zimenezi mwachidule koma ikupitirizabe kugwiritsa ntchito njira zimenezi chifukwa cha kutchuka kwawo kwa ndale zadziko. Njira yothandiza kwambiri ingachititse kuti anthu apeze ndalama zatsopano, monga momwe amachitira mafashoni amtengo wokwera.

Malangizo Amtsogolo: Zimene Ndalama Ingachite Mosiyana

Poyang’ana kutsogolo, Khate ya Makampani ingalimbitse chisonkhezero chake mwa kusintha zinthu kosiyanasiyana:

  • Njira yopimira nyumba: Imapereka njira imodzi, kudalirana kwa ndalama m'Bajeti iliyonse, ndi zonulirapo za kuchuluka kwa ndalama, kulipira, ndi kuchuluka kwa malo okhala.
  • Fakitale yosintha mapu a msewu: ndi kufalitsa kusintha kwa dongosolo losiyana ndi kukonza zinthu zoipa ndi kuchepetsa CGT, limodzi ndi malo osungirako zinthu kuti apeŵe kusokoneza oikitsa amene alipo.
  • Ndalama zoyendetsera zinthu zapamtunda: Amafuna kuti boma lipereke ndalama iliyonse yoyendera m'mizinda kapena zipangizo zamakono kuti zikhale ndi maziko a kusintha kwa malo a boma kumene kumachititsa nyumba zapakati pa malo okhala pafupi ndi malo a zoyendera.
  • Kugwirizana ndi kukhazikika kwa ndalama: Kupanga mapulogalamu a Treasurer .RBAPAPRA “Umboni wa kukhoza ndi kukhazikika komiti ya kuyang'anira kugwirizana pakati pa kuchepa kwa ngongole ndi mitengo ya nyumba, ndi kulimbikitsa zochita zowombola.

Zimenezi zingathandize kuti Khibitale azitha kukonza bwino chuma ndiponso bajeti, koma popanda kugwiritsa ntchito malamulo amene alipo panopa.

Kumaliza

Bungwe la Australian Treasurer ndilo lofunikira kwambiri pa ndandanda ya malamulo a kulinganiza nyumba. Kulamulira kwake pa malamulo a zachuma, kugawidwa kwa ma bajeti, ndi kuperekedwa kwa ndalama ndi boma kumapatsa mphamvu yokonza zonse ziŵiri zopereka ndi kusoŵa kwa malonda a nyumba. Mwa magalimoto onga ngati House Australia Future Fund, National Homes Stualp, ndi Homed Studictive , Komplication, Korce yapereka ndalama zatsopano ndi zichilikizo. Komabe kulimbikira kwa mitengo yapamwamba, kukwera kwa kupanikizika, ndi kuchepa kwa ndalama za nyumba kumasonyeza kuti kukhoza kwake kukwaniritsa. Kuti Knda yamakono ithe kukwaniritsa kukonzanso nyumba, makamaka msonkhano wa boma, ndi mgwirizano pakati pa nyumba ndi nyumba. Ndiyekha kuti kuyendetse ntchito yotchuka kwambiri. Australia ndiyo yokhayo yokhayo yothandiza kuiyendetsa kuthana ndi vuto la mavuto.

[[FLT :⁠0] Kaamba ka kuŵerenga kowonjezereka, onani 2024 Lipoti la Treasury [FLT:] pa zikhoterero za nyumba, kusanthula kwa AHURI kwa ndi kuthekera , ndi Commission ya Zopangapangation commistion ya 2022 kusoŵa pokhala.