Kuchepetsa Kusungidwa kwa Msonkho Panyumba Yanu: Chitsogozo Chochititsa Mlandu kwa Amwenye Okhala Panyumba

Kukhala ndi nyumba ndi cholinga chachikulu pamoyo, koma ngongole yapanyumba nthaŵi zambiri imakhala ntchito ya ndalama. Nkhani yabwino ndi yakuti, Malo Opereka Thailo, 1961, amapereka makonzedwe ambiri amene amakuthandizani kuchepetsa mbali yaikulu ya ngongole yanu mwa kulipira msonkho. Mwa kugwiritsa ntchito bwino ndalama zimenezi, mungachepetse ndalama zanu zolipira msonkho ndi kusunga ndalama zambiri m’thumba mwanu chaka chilichonse.

Kuzindikira Msonkho wa Msonkho wa Makoswe

Mapindu a msonkho pa ngongole zapanyumba amagawidwa makamaka kukhala zigawo ziŵiri: malipiro aakulu ndi chiwongola dzanja. Chimodzi ndi chimodzi cha zigawo zosiyanasiyana za Gawo la Malamulo a Thandizo ndi malire ake ndi mikhalidwe yoyenerera. Kuwonjezera apo, pali makonzedwe apadera kwa ogula nyumba zanthaŵi yoyamba ndi maprojekiti a nyumba okhoza kugulitsidwa. Tiyeni tipende mwatsatanetsatane iriyonse.

Chigawo 80C – Kubwezera Kokulira

Pansi pa Kubweza 80C, mungapereke ndalama ku .

  • Ngati mukulipira loni pa katundu wa kudziko lina, iko kukali koyenerera.
  • Ngati mutagulitsa katunduyo patatha zaka zisanu kuchokera pamene anagula katunduyo, simungathe kugula zinthuzo.
  • Kuchepa kwa ndalama zimene zili pansi pa Gawo 80C kuli m'malire a 761.5 lakh, yomwe imaphatikizaponso kuikizira ndalama monga PPF, ELS, ndalama za inshuwalansi, ndi zina zotero.

Kuti mupeze ndalama zolipirira zinthu zikuluzikulu, muyenera kulipira ndalamazo pachaka.

Chigawo 24(b) – Kupereka Chifuniro

[[FLT: 0] Kusankha 24(b)[FLT :1] kumalola kukwezedwa kwa 762 lakh pa chiwongola dzanja pa chiwonkhetso choperekedwa pa nyumba yanu kaamba ka loni [[FLT:] [[FLT:]] chuma chodzifunira [[FLT:] [[FLT]]]. Ngati chinthucho chili kuwonjezera [, chiwonchi chachiwonchonse chimatha popanda malire alionse apamwamba, ngakhale kuti chimaperekedwa kwa “zoloŵa za m’nyumba za anthu. Chotsatira: Chotsatira:

  • Desiki lochepetsedwa pansi pa Chigawo 24 (b) nlosiyana ndi gawo 80C.
  • Ngati ndi chuma chimene chimakhala chongofuna kugula, ndalama zokwanira 762 lakh pachaka. Chikondwerero 93 lakh sichingapititsidwe patsogolo, choncho linganizani kukongola kwanu.
  • Ngati ngongoleyo ili ya malo amene akumangidwa, chiwongola dzanja cha nyengo ya kukonza zinthu isanakwane chingaperekedwe m’zopereka zisanu zofanana kuyambira pa chaka cha kukhala kwake (choikidwa pambuyo pake).

Nkofunika: Chochita nazo pa loni ya nyumba kaamba ka malo amene simulimo (m’chitsanzo, nyumba yachiŵiri imene yabwerendi) njokwanira kotheratu, koma ndalama za lendi zirinso zokhometsedwa pansi pa mutu “Kupeza Kunyumba.”

Chigawo 80E – Kutenga Kowonjezereka kwa Ogula Nthaŵi Panyumba

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  • Loniyo iyenera kuperekedwa pakati pa April 1, 2016 ndi March 31, 2017 (kuwonjezera ndalamazo kungathandize kuti mupeze ndalama zinazake zokongola; fufuzani malamulo amene alipowa).
  • Mtengo wa katundu suyenera kupitirira 7650 lakh, ndipo unyinji wa loni suyenera kupitirira 7635 lakh.
  • Wogula sayenera kukhala ndi malo ena alionse okhala pa tsiku la chilolezo cha ngongole.

Malo a ngongolewa amaperekedwa pokhapokha ngati ngongoleyo yamalipiro onse, ndipo imakhala yokhayokha.

Chigawo 80EA – Kuchotsa Nyumba Zowonjezereka

Kukongoza 80EEA kumapereka chiwongola dzanja chowonjezereka cha [[FLT:] .5 lakh pachaka kaamba ka ngongole zotengedwa kaamba ka nyumba zokhoza. Loniyo iyenera kuvomerezedwa pakati pa April 1, 2019, ndi March 31, 2022 (kulinganiza mwa bajeti zina). Mikhalidwe:

  • Mtengo wa sitampu ya malowo suyenera kupitirira 7645 lakh.
  • Wogula sayenera kukhala ndi malo ena alionse okhala pa tsiku la chilolezo cha ngongole.
  • Loniyo iyenera kutengedwa ku banki, kampani ya zachuma, kapena ku bungwe lina loterolo.

Kuchepetsa kumeneku kukupezeka kuyambira chaka cha chilamulo ndipo kungaperekedwe kwa zaka zitatu zotsatizana zandalama (ngati loniyo ipitiriza). Iko kuli kuwonjezera pa 762 lakh pa Gawo 24(b) ndi 760,000 pa Gawo 80EE (ngati kuli kotheka, ngakhale kuti simungatenge zonse ziŵiri 80EE ndi 80EEEA kaamba ka ngongole imodzimodziyo).

Mapindu Okulirapo Chifukwa cha Kukwera Mimba

Ngati mutenga ngongole yapanyumba pamodzi ndi mnzanu wa muukwati kapena wina wa m’banja, aliyense amene akubwereka ndalamayo angapereke ndalama zake payekha, kuti abwezedwe.

  • [[NTHAŴI] Principal Deduction :[FLT :1] Iliyonse ikhoza kufika 761.5 lakh pansi pa Gawo 80C (ndi malire ake 80C).
  • Kusintha kwakukulu: Iliyonse likhoza kulowa 762 lakh pansi pa Gawo 24(b) kaamba ka chuma chodzifunira. Kwa katundu wokha, aliyense angafune chiwongola dzanja chonse.
  • Zotsala zoyambirira: Ngati onse aŵiri ali ogula anthaŵi yoyamba, aliyense angakhale woyenerera kaamba ka zowonjezedwa zowonjezereka pansi pa Gawo 80E/80EEA, zoyenerera kuwona munthu payekha.

Kuti apeze ndalama zochepetsedwa, aliyense amene akubwereka zinthu ayenera kukhala mwini mwini wake ndipo ayenera kulipira mbali yake ya ngongoleyo. Chikalata chiyenera kusonyeza bwino lomwe liŵiro la kukhala ndi mwini ndi kulipira.

Kudzinenera Kuti Ziphunzitso Zochirikiza Chikondwerero Chapatsogolo

Pamene mutenga loni ya katundu waung'ono, chiwongola dzanja chopangidwa pakati pa deti la chilango ndi deti la kumalizidwa (kapena kupezedwa) imatchedwa chiwongola dzanja chapasadakhale . Chiwonjezeko chimenechi sichingaperekedwe m'chiŵerengero chimodzi; chimaloledwa mu [FLT :2] [[FLT]] [kamodzi] kufanana ndi zikalata [ kuyambira chaka chandalama chimene mumakhala nacho.

Mwachitsanzo, ngati chilolezo cha loni chili mu April 2020 ndipo kukhala ndi chiwongola dzanja chaperekedwa mu March 2024, chiwonkhetso chonse choperekedwa pa nyengo ya kukhazikitsidwa kwa nyengo 2020-2024 . Ndalama imeneyi imagaŵidwa ndi 5. Mukapeza kuti imodzi mwa ndalama zimenezi chaka chilichonse kuyambira 2024-25 mpaka FY 2028-29, kuwonjezera pa chiwongola dzanja chapachaka choperekedwa. Zimenezi zingawonjezere kwambiri kukwera kwanu m'zaka zoyambirira za chuma chanu.

[[FLT: 0] N’zofunika kwambiri: [[FLT :1] Ndalama zonse zochepetsedwa za chiwongola dzanja chapasadakhale (kuphatikizapo chiwongola dzanja cha pachaka) chaka chilichonse sizingapose 762 lakh pa katundu wodzifunira yekha. Kulola katundu kutuluka, ndalama zokwanira zimaloledwa.

Malo Ogulitsidwa modzifunira – Malamulo Osiyana

Kupereka msonkho kumasiyana malinga ndi kaya katunduyo ali wodzipanikiza kapena wolekedwa.

Chuma Chodzifunira

  • Palibe ndalama za lendi zimene zimalingaliridwa kukhala zopezedwa.
  • Chikondwerero chimachepetsedwa pa 762 lakh pachaka (chokhala ndi ziŵiya zokonzedwa zisanathe).
  • Kuchepa kwakukulu pansi pa Chigawo 80C kulipo (kufikira 761.5 lakh).

Lolani Zinthu

  • Lendi ya malowo imasungidwa pa “Inhome Infoitment" pambuyo pa kuchotsapo ndalama zokwana 30 peresenti ya mtengo wa khoka pachaka.
  • Chiwongola dzanja chachikulu pa loniyo nchosaŵerengeka (kupanda kapu ya nyumba 762 kh). Zimenezi zingabweretse kutaikiridwa kwa nyumba, kumene kungapangitsidwe motsutsana ndi ndalama zina (ndalama, zamalonda) kufikira pa malire (poyamba palibe malire; tsopano kuikidwa pa 762 lakh pachaka, koma kutaikiridwa kopanda chiwongola dzanja kungapititsidwe patsogolo).
  • Kuchepa kwakukulu pansi pa Chigawo 80C kukupezekabe (kufikira 761.5 lakh).

Kuchotsa Katundu

Ngati muli ndi nyumba yachiŵiri yokhalamo imene siimakhala yokha kapena yosachitidwa (m., yopanda malo, yogwiritsiridwa ntchito monga nyumba yachiŵiri), malamulo a msonkho amaiwona monga yolingaliridwa kukhala yopatulidwa. Muyenera kulengeza ndalama zobwereka (zodalira pa lendi yoyembekezeredwa ya malo ofananawo) ndiyeno kupempha chiwongola dzanja chonse popanda [1] lakhbo.

Njira Yotsogolera Kunena Kuti Nyumba Yanu ndi Zotsekemera

Tsatirani njira izi kutsimikizira kuti mupeza phindu lokwanira popanda zolakwa:

  1. Ndalama zokongola: Kupempha chikalata ku banki yanu kapena kampani ya zachuma ya nyumba kusonyeza likulu ndi chiwongola dzanja cholipiridwa mkati mwa chaka cha ndalama. Izi ziyeneranso kutchula nambala ya ngongole ndi tsatanetsatane wa katundu.
  2. Angoŵerengera ndalama zoyenerera: kwa akuluakulu, kutsimikizira kuti simunapitirire 761.5 lakh pansi pa chigawo 80C (kuphatikizapo kuikizira kwina). Chikondwerero, ngati munthu adziloŵetsa yekha, kapu pa 932 lakh; ngati aloledwa, gwiritsirani ntchito chiwongola dzanja chonse ndi zikalata zilizonse zofunikira.
  3. Conganitsira Chikalata 16 kapena umboni wa zoikizira: Ngati mwapatsidwa, dziŵitsani bwana wanu ndalama zoikizira ndalama zapanyumba kaamba ka TDS yolondola. Kapena, funani mwachindunji ku kubweza kwanu msonkho (ITR).
  4. File ITR: Seŵerera ITR-1 (Sahaj) ngati muli ndi malipiro / nyumba ya ndalama ndipo mulibe zinthu zachilendo. Ngati muli ndi ndalama zambiri kapena zinthu zambiri, gwiritsirani ntchito ITR-2 kapena ITR 3.
  5. Zomangirira zochirikiza (ngati zikufunika): Pamene mukutsegula pa Intaneti, simufunikira kumatiza mapepala, koma sungani kuti mutsimikizire. Ngati mutafufuza, tulutsani pepala la loni, mapepala a ku banki, ndi mapepala olembapo za mwiniwake.

Zolakwa Zofala Zimene Zimachepetsa Phindu Lanu la Msonkho

  • Kuikapo mfundo zazikulu ndi zikondwerero: Kunena kuti chikondwerero pansi pa Chigawo 80C ncholakwika; chiwongola dzanja chipita pansi pa Chigawo 24(b).
  • Chiwongola dzanja cha asanakonzeke: ambiri okhoma msonkho amaphonya kupempha ndalama za chiwongola dzanja za zaka 5 zolipiridwa pomanga.
  • Kugulitsa malowo mkati mwa zaka zisanu: Ngati mugulitsa zaka zisanu za kukhala ndi, ndalama zazikulu zoikizidwa pansi pa Chigawo 80C zimawonjezeredwa monga ndalama m'chaka cha kugulitsa.
  • Osafuna phindu la loni yogwirizana: [[FLT :1] Ngati muli wobwereka koma osati mwiniwake, simungakhale woyenerera. Kutsimikizira chikalata chamutu choyenerera.
  • Kuyang'ana chigawo 80EE/80EEA: Nthaŵi yoyamba kaŵirikaŵiri samadziŵa za zotsala zowonjezereka zimenezi.
  • Kukondwera kulengeza ndalama za lendi: Ngati mubwereka katundu, muyenera kusonyeza ndalama za lendi; apo ayi, mungayang'ane ndi chilango. Komabe, chiwongola dzanjacho chimagwirabe ntchito.

Zochitika Zaposachedwapa ndi Kusintha kwa Ndalama

Malamulo a msonkho amasintha chaka chilichonse.

  • Malire aakulu a kusakhoma msonkho pansi pa boma latsopano awonjezeka, koma boma latsopanolo silimalola kuchepetsa ndalama zambiri, kuphatikizapo Chigawo 80C, Chigawo 24 (b), ndi Chigawo 80EE/80EEA. Ngati musankha boma latsopano, simungapereke ndalama zokwepedwa panyumba.
  • Boma linawonjezera nthaŵi yonena kuti Gawo 80EA likhale lobwerekedwa ku ngongole zovomerezedwa kufikira pa March 31, 2022.
  • Chiwongola dzanja cha zinthu zotsala: Mu Dribial 2017, malire oikidwiratu a kuwonongeka kwa katundu wa nyumba ndi ndalama zina anaperekedwa pa 762 lakh pachaka. Kutayikiridwa popanda kuchotsedwa kungapititsidwe kukafika zaka 8 ndi kuchotsedwa kokha pa ndalama za nyumba m’zaka za m'tsogolo. Zimenezi zimachititsa kuti kusakhale kopindulitsa kwambiri pa ngongole za ndalama zimene anthu angafune kugula poyerekezera ndi zaka zoyambirira.

Pa malamulo ambiri amene akhalapo, nthaŵi zonse gwiritsani ntchito webusaiti ya Invoit Department kapena funsani katswiri woyenerera wa msonkho.

Zoyesayesa Zothandiza Kulimbitsa Malo Anu a Msonkho

Mungagwiritse ntchito njira zimenezi kuti musunge ndalama zambiri m’thumba mwanu:

  • Tsalani kakonzedwe ka loni: Ngati nkotheka, tengani ngongole imodzi ndi mnzanu wa muukwati amene ali ndi malipiro a msonkho. Zimenezi zimalola kuti mnzake aliyense apereke ndalama zoikizira.
  • Nthaŵi imene mumakhala: [[FLT :1] ya zinthu zongoikidwiratu, kutchuka kuchiyambi kwa chaka chandalama. Chikondwerero cha kukhazikitsa kusanayambe chaka chimenecho, ndipo mupeza phindu lokwanira la chikondwerero chokhazikika cha chaka chomwecho kwa miyezi 12.
  • Combine ndi kuikizira ndalama: Ngati muli ndi zotsala, chigawo cha 80C choyamba ndi malipiro aakulu, kenaka kuikizira mu ELS, PPF, ndi zina, koma kutsimikizira kuti chisapitirire 761.5 lakh.
  • Gwiritsirani ndalama zowonjezereka pa nyumba yokhoza kukwera: Ngati mugula nyumba pansi 7645 lakh , tsimikizirani kuti mulembe fomu kaamba ka Chigawo 80EA mwa kutchula zofanana m'TR yanu.
  • Sungani zolemba zaluso: [[FLT :1] Musunge chikalata chovomerezeka ndi chilolezo cha loni, kukhala ndi chikalata, zikalata zachiwongola dzanja za pachaka, ndi umboni wa kulipiridwa. Zimenezi zimachititsa kukonza ndi kutsimikizira.

Mafunso Ofunsidwa Kaŵirikaŵiri

Kodi ndingapereke ndalama zolipirira ngongole yapanyumba ngati ndikukhala m’nyumba ya lendi ndipo malo anga a ngongole akumangidwa?

Inde, mukhoza kukhala ndi chiwongola dzanja pa chigawo 24 (b) cha malo amene akumangidwa, koma kokha monga chiwongola dzanja chapasadakhale (kuperekedwa pa nyengo zisanu za kukongola pambuyo pa kukhala kwanu). Mkati mwa nyengo yomanga, palibe kuloledwa kaamba ka chiwongola dzanja chifukwa chakuti katunduyo sanakonzekere kuntchito. Kongongoletsa ndalamazo kungaperekedwe pansi pa Gawo la 80C kokha pambuyo pa kugulitsidwa kwa ndalamazo, osati kaamba ka nyengo isanafike nthaŵi yake? ingakhaledi yoikizidwa, ngakhale mkati mwa kumanga, malinga ngati kumangako kuyenera kufunikira kumangidwako. Chifuno cha ngongolecho chifunikira kumangidwa pa nthaŵi yonseyo pansi pa nthaŵi yonse, koma kuperekedwa kwa ndalamazo kuyenera kuchotsedwa. Komabe, chumacho sichimathetsedwa. Ngati kumangidwa kwanthaŵi yake yokwanira, kusoŵa kwa ndalama zofunikira kumanga nyumba zachikulu chifukwa cha kusoŵa kwa ndalama zomanga nyumba za m'dziko? Koma lamulolo liyenera kusoŵa chifukwa cha kusoŵa kwa kusoŵa kwa ndalamazo.

Kodi ndalama za TDS zimagulitsidwa pa chiwongola dzanja cha panyumba?

Ayi, TDS siikuchotsedwa ndi banki pa chiwongola dzanja cha kunyumba. Muyenera kulipira ndalama pobwerera. Komabe, ngati muli wosakhala woyang'anira kapena ngati banki ndi kampani ya zandalama yopanda m'mabanki, malamulo a TDS angasiyane. Kwa nzika zambiri zokongola, palibe TDS pa chiwongola dzanja.

Kodi ndinganene kuti Chigawo 80C ndi Chigawo 24 (b) ndi ngongole imodzimodziyo?

Inde, kulipira kwakukulu kuli koyenerera pa Chigawo 80C (chogonjera ku malire onse) ndipo chiwongola dzanja chimayenerera pa Chigawo 24(b). Iwo ngopatukana ndi odziimira paokha.

Kodi chingachitike n’chiyani ngati titenga ngongole yanga yapanyumba m’dzina langa ndi mkazi wanga, koma mwamuna wangayo ndi wosamalira nyumba popanda ndalama?

Ngati mwamuna kapena mkazi alibe msonkho, sangapereke ndalama chifukwa chakuti alibe msonkho. Ndalama zimene amalandira zikhoza kupezeka kokha pa wogula ndalama zimene amapeza. Kuti awonjezere phindu, onse aŵiri a m’banja ayenera kukhala ndi ndalama zolipiridwa.

Malingaliro Omalizira

Malipiro a ngongole zapanyumba ndi imodzi mwa njira zothandiza kwambiri kuchepetsa msonkho umene mumalandira. Mwa kumvetsa kuseŵera kwa Chigawo 80C, Chigawo 24 (b), Chigawo 80E, ndi Chigawo 80EE, ndi Chigawo 80EEA, ndi mwa kulinganiza bwino ndalama zimene mumabwereketsa (loni yanu, nthaŵi yakeyake bwino), mungapulumutse ma akhasi okongola pa ndalama zimene mumalandira pamalipiro. Nthaŵi zonse muzikhala ndi kusinthasintha kwa malamulo a msonkho [1] makamaka kusankha pakati pa maulamuliro akale ndi atsopano . Ngati muli ndi kulembera pepala laumwini, lingalirani za wosunga ndalama kapena wokhometsera ndalama zimene mungathe kukuthandizani kuyang'anira malo osiyanasiyana monga ndalama zoikizira zinthu, ndalama zambiri, kapena kugulitsa katundu m'zaka zisanu.

Kuti muŵerenge mowonjezereka, sonyezani zitsogozo zatsatanetsatane pa mapindu a msonkho wa panyumba [[FLT:] ndi ndi [[FLT :2] BankBazaar motsogolera pa zopereka za msonkho wa panyumba.