Ukuqonda Indima Yemali YaseOstreliya Kwingxaki Yokungabi Nandawo Yaneleyo Yokuhlala

Ingxaki yezindlu ezikwaziyo ukufumaneka e-Australia yenye yezona ngxaki zezoqoqosho zingapheliyo nezinengxabano ezijongene nelizwe. Amanani okuba nezindlu zasekhaya ahlile phakathi kwezizukulwana ezincinane, uxinezeleko lokuqesha luxhaphakile, kwaye iintsapho ezifumana imali ephantsi zitsala nzima ukufumana iziphumo ezikhuselekileyo, indawo yokuhlala enokufikeleleka. Ngoxa oothunywa abaninzi befakta banegalelo eli-(kuquka ukwanda kwabemi, ukubekwa kwamaxabiso, iindleko zokwakha, kunye nothelekelelo-mali olufuna ingxhulumano oluphambili lwemeko yezoqoqosho, i-Australia, i-Malitershoneral, ibamba impembelelo ephambili kwiinkqubo ezinokuveza iziphumo ezifanelekileyo. Eli nqaku lihlolisisa ukunyuka kwabemi bemali, izixhobo zokulahlwa kwayo, kunye nezithintelo ezijongeneemeko ezifuna ukusetyenziswa kwemali, kunye nezo

ISivumelwano Semali Nezindlu

I-Australian Treasure ijongene nomthetho wezoqoqosho, kuquka ubuchule bokucebisa urhulumente ngenkcitho yemali, ukulungiswa kwerhafu, umgaqo wenkqubo yemali, kunye nokugcinwa kwexesha elide kwemali karhulumente. Izindlu ezidityanisiweyo nazo zonke ezikhoyo. Izindlu zobuqu zimela eyona ndawo inkulu yobutyebi bendlu, ityala lendlu liyinkxalabo enkulu yemali, kwaye inkcitho yerhafu enxulumene nerhafu (njengokuba ithelekelela intengo yerhafu) ixabisa uqingqo-mali lwezigidi-mali ngonyaka. Indawo yemali ehlawulela idata yezindlu, ukukhuthulwa kwemiboniso, ukunikezelwa kwemali, ukunikezelwa kwe-696, kunye neziphumo zokusasa iprojekthi yemali (iiiiintengiso engundoqo yokuyila nokuhlawula irhafunxa yezindlu).

Ulawulo lwezicwangciso

IBhunga lezemali liyilawula ngokungqalileyo indlela eliyilwe ngayo irhafu nengeniso yerhafu karhulumente echaphazela imizi-mali yezindlu.

  • [[NTLAWULO: 0] Ukubeka izicwangciso: Ivumela abatyali-mali basuse ilahleko yokuqesha kwenye ingeniso. Ivesi yemali isoloko imisela iziphumo zokwahlula okanye zokususa le mvume, ilinganisa ingeniso echasene neziphumo zokunikezelwa kwerhafu namaxabiso endlu.
  • [ Ingeniso yerhafu yeCapital (CGT) isixa sexabiso: Unciphiso lwe 50% kwimpahla egcinwe ngaphezu kweenyanga ezili-12. I-Ofisi yemali ihlola indlela utshintsho lohlahlo-hlengiso olunokuyinciphisa ngayo imfuno eqikelelwayo kunye nendawo ekhululekileyo yokufumana imali.
  • Udweliso lokuqala lwekhaya Oluphezulu Logcino (FHSS): Ivumela abathengi bokuqala bekhaya ukuba bagcine ngaphakathi kwerhafu enkulu kumlinganiselo werhafu evunyiweyo. UTshelwano lwemali lusebenzisa imithetho yolawulo lweminikelo, ukurhoxa, kunye nekepisi yonyaka.
  • Isiqinisekiso sasekhaya sokuThintelwa: Isiqinisekiso sikarhulumente esenza ukuba abathengi abafanelekileyo bathenge ngemali esezantsi, elawulwa yiTree enxulumene neNational Home Memorial kunye ne-Provicement Corporation (NHFIC).

Nangona iveliswa nguNondyebo weMali inikela uhlalutyo lwala manyathelo, ayimiseli inkqubo yerhafu ngaphandle kokucingisiswa kwangaphambili, kwaye izigqibo zezobupolitika zishiyeka kurhulumente. Noko ke, iindleko zeNgxelo yemali nokufakela ngamandla ingxoxo kunye nendlela ekwakhiwe ngayo ekugqibeleni naluphi na utshintsho.

Uhlahlo-lwabiwo-mali lwenkqubo yezindlu

Uqingqo-mali ngalunye lwaseluntwini luquka imali eninzi ejoliswe kwimali ehlawulwayo, uninzi lwazo luyilwe luze lusetyenziswe yiBhunga. Ezi ziquka:

  • Ukuxhasa iNgxowa-mali yexesha elizayo yase-Australia , ingxowa-mali yotyalo ebuyisela imali ehlawulwayo ukuze kwakhiwe amakhaya aqeshiweyo amalunga nama-30 000 amawaka ezigidi eemali eemali eenkonzo zentlalo kunye nokuhlawulela ngaphezu kweminyaka emihlanu. Uvengi ulawula isakhiwo sekomkhulu lemali nocwangciso lokuzinza.
  • Izabelo kumazwe namasimi phantsi kwe Izindlu zohlanga kunye nesivumelwano sokungabi namakhaya (NHA]), apho iSebe leNkonzo yeNtlalo lidibanisa khona neSebe lezeNtlalo ukuqinisekisa ukungaguquguquki kwemigaqo yokuzinzisa.
  • Inkxaso-mali ethe ngqo ngenkqubo ye- Uncedo lwengqondo, ekhombelwe ukukrazula unyuko nguTsheko nyaka ngamnye.
  • Ukuxhasa iNHFIC [[FLT: 0] Isakhiwo esinokufumaneka esiGunyaziswe , ehlisa ixabiso lekomkhulu lezindlu zoluntu.

Ngokulawula iimvulophu zoqingqo-mali, iNgxelo yeNkcitho iphembelela isikali, ixesha, kunye nokubekwa kwemiqathango kotyalo lwezindlu. Indima yayo ekulungiseleleni ukuthobela inkcitho yekomiti ehlola inkcitho iqinisekisa ukuba nasiphi na isindululo esitsha kufuneka sibonise iziphumo ezizizo kunye neziphumo ezinokufumaneka ngaphambi kokuba sifikelele ikhabhathi.

Ukunikezela ngeZikhundla: Izakhiwo Neendleko Zokukhululwa Kwelizwe

Unikezelo lwezindlu luxhomekeke kakhulu ekufumanekeni komhlaba, ekucwangcisweni kwemimiselo, nakumandla esiseko. Iveta-mali ayikulawuli ngqo ukuhlanganiswa okanye ukuvunywa ngokungqalileyo kweendawo ezikhoyo ngezantsi/ukuvunywa kwala mandla ahlala norhulumente kunye noorhulumente basekuhlaleni. Kodwa ke, inokuphembelela ukunikezelwa ngezixhobo zemali zorhulumente:

Imali exhotyiswe ngeefashoni kunye neNtloko yezindlu

Iiprojekthi zezithuthi ezinkulu nezibonelelo zezemali ezixhaswa ngurhulumente wesizwe (umz., ngeInfractive Australia kunye neZivumelwano zeSizwe zoGunyaziso) zithengwa kwaye zivavanywe yiTshawe yiTrebian. Izigqibo ezithi zithathe iprojekthi zifumane indawo yokuqala . kwaye ziziphi iimfuno zoxinaniso ezinxulumene nokubonelela ukusetyenziswa kwemali entsimini eluhlaza okanye kwimimandla yokuzaliswa kwemali ebekungahlala ingagqitywa. I-Oventi isebenza ngeSebe le-Infractivereal ukufuzisela ukubuyiselwa koqoqo bezindlu ezinxulumeneyo ukuthutha iipaseji eziqeshiweyo, kwaye icebisa ukuba urhulumente anikeze ingeniso kwimimandla ekhululayo.

Ukusingqongileyo nelizwe 76 Sebenzisa izinto ezicinezelayo

Ukuvunywa kwemekobume yomanyano phantsi kokhuseleko lwe- kunye noMthetho wokulondolozwa kweNtlalo-ntle yeMidlalo 1999 lungalibazisa okanye lumise inkqubela-phambili yokuhlala. ITreasuntswo yenkcazo kwimpembelelo yomgaqo-siseko ukuvavanya iinjongo zemekobume nxamnye namaxhoba ezindlu, ukukhuthaza iindlela zohlolo-hlolo oluqulukileyo apho kufanelekile khona. Umzekelo wayo wezindlu ezifuna ukulwa nonikezelo oluthenjiweyo luzisa imeko karhulumente enoba ixesha lokukhokelwa kwezixhobo zokwamkelelwa ngezinto eziphathekayo.

Ungenelelo olufunekayo (69): Uncedo lwezemali kunye nokuNxulumanisa kweMacrouday

Ngaphandle kwerhafu, iNkcitho yemali isalathisa iinkqubo zoncedo lwemali ezichaphazela ukufunwa kwezindlu.

Izinto Zokuqala Ezithengwa Ekhaya Neziqinisekisiweyo

Isiqinisekiso sokuqinisekisa i-Qumicle (kuquka iSiqinisekiso Sokuqala Sasekhaya, ingingqi Yokuqala yeKhaya Isiqinisekiso, kunye neNtsapho Eqinisekisayo) zinyuke ngokukhawuleza, kunye neendawo ezikhoyo ezingama-500,000 ngo-202425. I-Treasure inika imigaqo-enzame, i-elthi yobuchule, kunye nemida yokuboleka. Ngoxa ezi zicwangciso zinceda abathengi abasezantsi ukuba bangene emarikeni, abagxeki baphikisa ngokuyintloko ukuba bathengeniswa nokutyhalela amaxabiso. . .

Ukuncedisana Nebhanki Yebekela NeAPRIA

Ivesite yeMali ayimiseli inzala okanye imithetho yobugocigoci, kodwa isebenzisana neReserve Bank yase-Australia (RBA) kunye neGunya le-Prudial Regativel Authority (APRA) ngeBhunga le-Punion of Financitors. Imarike yezindlu ezigqithisileyo / umgcini-mali obolekisa ngemali ngokugqithisileyo/okrwelelo oluthe ngqo, i-APRIPA ikhokelele ukubeka imida yesantya kwinzala yemali qhaqhaqhazelo kunye nezigcini-mali ezingqongqo ezikhuselekileyo. Imizekelo yozinziso lwemali ekwityala lendlu ephezulu kwaye isenokuncomela ukuba ilungise izicwangciso ezitheneyo ezithelekisayo. Ngoxa ezi zixhobo zingakhangeli ziphumele iimali ezizimali zemali ezithene zentengo etshintshayo.

Umanyano Ngaphaya Koorhulumente Bomanyano Norhulumente

Ukufumaneka kwemali yokuhlala akunakuconjululwa yiKhominti yoMbutho weSizwe kuphela. Ii-odolo zi-odolo zilawula umhlaba, iindawo zokuhlala zikawonke-wonke, iirhafu zokuhambisa iirhafu (umsebenzi ophantsi kwentsebenziswano), kunye nezokhuselo. INgxelo yemali ikhokela ingxoxo yesizwe ekufudusweni kwezindlu, kuquka i-NHA kunye nezivumelwano ezintsha zokuhlala ezithenjiweyo ezavakaliswa ngowama-2024. Indima yayo iquka:

  • I-millimeter yokuveliswa kwezindlu zikarhulumente, enxulumene nokusetyenziswa kwemali.
  • Izicelo zikarhulumente ezirhoxayo zokuguqula izitembu (umz., ukutshintshela kwirhafu yomhlaba ebanzi) nokuvavanya iimpembelelo zemali kumazwe.
  • Ukukhuthaza iBhunga Labalungiseleli nelokuba Ngumsebenzi Wekhaya kucetyiswa ukuba kulungelelaniswe imijikelo yoqingqo - mali karhulumente nemithetho yotshintsho.

Ubuchule beNjengele yokukhupha izivumelwano buye baphucuka xa kwadalwa icandelo leOstreliya elingaphakathi kwesebe, elisebenza njengesazulu esimiselwe inkqubo yokunqumla imiba yokugwetywa kwezakhono.

Inyathelo Eliphambili Lakutshanje: IHAFF, Utshintsho lweNHHA, kunye neSivumelwano seSizwe seNdlu yeNtlanganiso

Ezona zakhiwo zibalulekileyo zikarhulumente waseAlbhan zineeNgxelo zemali.

INgxowa-mali yeNkcubeko yeNkcubeko yeNkcubeko yeNtshona Koloni

Igqithiwe ngoSeptemba 2023, i-HAFF ifumana ii-10 lamawaka ezigidi kurhwebo lukawonke-wonke ukuze ibangele ukubuyiselwa kwemali yokwakha izindlu zoluntu. INgciwo yemali ayiyilanga nje kuphela ikomkhulu lemali (ikhankanya ukubuya kwamashumi amahlanu ekhulwini ngonyaka) kodwa yasebenzisa intengo ebangela i-ofisi yoHlahlo lwePalamente eHlomelo lokulondolozwa kwayo okude. Le mali izimisele ukunikezela amakhaya angama-30 000 kwiminyaka emihlanu, kunye ne-10 000 ukuphendula ngokungabina. I-projectal iqwa iqwa yi-mali ekhonsathini ye-mali e-Oficity e-Australia (injini ye-NHFIC).

Isivumelwano seSizwe sokuHlala nokungabi namakhaya (NHHA)

Ngo-2024, urhulumente wabophelela kwiNHHA entsha enemali eyongezelelekileyo exabisa ii-$2 amawaka ezigidi ngaphezu kweminyaka emihlanu) kunye neemeko ezomeleleyo ezifuna uphuhliso kwiimeko zokucwangcisa. I-Otherine yenze indlela entsha yokuxhasa ngemali (isekelwe kuluntu oludlelana noxinezelelo loxinzelelo, iimbonakaliso zoxinaniso lwembali, kunye notyalo lwezindlu zexesha elidlulileyo. Yakwasungula nemfuneko yokuba kubekho ingxelo ekuhleni ngokukhululwa komhlaba nokuvunywa kwamaxesha, ukulinganisa ngokucacileyo kweMongo yeKhabhini ebhalwe kwimisebenzi engcono yezizwe ngezizwe.

Isivumelwano sezindlu zeSizwe

Ngo-2022 kwaye yahlaziywa ngowama-2024, iSivumelwano lumanyano phakathi korhulumente besizwe, norhulumente wasekuhlaleni, kunye necandelo lempahla kunye nabasebenzi bezindlu zoluntu, benenjongo yokwakha amakhaya amatsha asisi-1,2,2-zigidi athe kratya ngo-2029. INgxelo yeMakente inika intelekelelo yemacro-36 yezoqoqosho yokwanda kwabemi kunye nokwakhiwa kweentsapho exhasa amaxhoba e-Sclion, kwaye ihlanganisa iingxelo zenkqubela-nyaka-25.

Ucelomngeni Nokugxekwa Kwendlela Yokuqhuba Imali

Ngaphandle kobunzulu bobunzulu bolawulo kunye nokufikelela, iNgxelo yeMali ijongene nothintelo ekubambeni intlawulo yezindlu.

Ukwahlulwa komgaqo-nkqubo kunye noluHlahlo loMgaqo-nkqubo oluNfutshane

Inkqubo yezindlu yohlulwa kumaziko amaninzi eenkonzo , iSebe lezentlalo, iNkcubeko, Ukutshintsha kwemozulu. Utshintsho olutshintshayo. Umzekelo, xa i-Moove ifuna irhafu esecaleni kwecala lerhafu yabanikazi, iSebe leeNkonzo zezeNtlalo lirhwebelele uncedo olurhwebisayo oluya ngandlela-thile kubanikeli bemali abafanayo. I-Moonte igxekwe ngokunganyanzeli umqulu olungelelanisayo wotshintsho onika irhafuzo, irhafu, kunye neenkqubo zobuntlalo.

Ulwamkelo lokuhlangabezana noxokelelwano lwerhafu

Omabini amaqela amakhulu aye aphepha utshintsho olukhulu ekulungiseni iigiyeri ezidizayo kunye nokungahoyi kweCGT, phezu kwako nje ukunconywa okuphindaphindiweyo kweTree encopho ukulinganisela okanye ukukubeka ngaphandle. Unyulo lwama-2019 lwabonisa ixabiso lezopolitiko, kwaye iTreator ngoku isebenza phantsi kwemiyalelo ecacileyo karhulumente engafuziseli iingeniso ezingekho kwicala elithile eliphakathi. Abahlalutyi baphikisa oku kuzibeka phantsi kwenkululeko yesebe.

Ukungabinakulawula ngqo ngaphezulu kokunikezela

Urhulumente kunye noorhulumente basekuhlaleni baphethe izixhaso zokufumana indawo, ukulungiselela imvume, kunye nemithetho yezindlu ezithe kratya. INgciwo yemali ingenza utshintsho lube lukhulu kodwa ayinakulunyanzela. Iimeko ze-NHA zibuthathaka ekusebenzeni, kwaye imimandla emininzi ayiphumeleli ukufikelela iimfuno ngaphandle kwesohlwayo. Izixhobo zemali zilinganiselwe ekunikezeleni ngokuzibekela phantsi uqingqo-mali olululo kunokukhuthaza utshintsho lokwenene.

Inkcitho ekhoyo

Ukufuzisela kwezoqoqosho ngamaqumrhu eeNtloko kunye nezifundiswa njengeAustralian House and Urban Research Institute (AHURI) ibonisa rhoqo ukuba inkxaso nesiqinisekiso sabathengi bokuqala baseHomea bandisa umthamo wokuthenga ngaphandle kokongeza, nto leyo ekhokelela ekuhlawuleni amaxabiso. INgcitha-mali ikwamkele oku ngokwemifutshane yangaphakathi kodwa iyaqhubeka isebenzisa ezi zicwangciso ngenxa yokuthandwa kwabo kwezobupolitika. Indlela esebenzayo ephambili yokusebenza ixesha elide idibanisa inkxaso ngqo kuxhotyiso olutsha, njengemifuziselo ekwahlulweyo yexabiso elinyukileyo.

Ulwalathiso Lwexesha Elizayo: Oko Uveliswano Lunokukwenza Ngokwahlukileyo

Ukukhangela phambili, iNgxelo yeMali ingaqinisa impembelelo yayo ngotshintsho oluninzi:

  • Ubuchule bezindlu obudityanisiweyo: inikela icebo elinye, ukunqumla kwi-drive erhwebileyo kwibhaythi nganye, namaxhoba acacileyo okunikezela, ukuqesha umthwalo, kunye nexabiso lobunikazi.
  • Imodeli yendlela yolungiso ye- imodeli yotshintsho: ipapashe utshintsho olucwangcisiweyo olusuka kwigiya engalunganga nakwixabiso leCGT, lidityaniswe namalungiselelo esitshixo okunqanda ukuphazamisa abatyali bemali abakhoyo.
  • [[UMTL:0] Inkxaso-mali yesiseko semali: Ifuna nayiphi na inkxaso yemali karhulumente yezothutho zasedolophini okanye izinto eziluncedo ezixhomekeke kutshintsho lwelizwe oluvumela umva wezindlu kufutshane neendawo zezithuthi.
  • Kungcono ukudibanisa nozinzo lwemali: Ukuyila i-Moota ye-Nkcubeko i-[RBAPAPRA] “i-odola eyiyo ekwaziyo ukumelana nokulingana kunye nokuzinza” ukuqwalasela unxulumano phakathi kokuncitshiswa kwetyala namaxabiso endlu, nokucebisa izenzo eziza kukhulula.

La manyathelo anokuwasebenzisa kakuhle amandla eNgcitha-mali kuhlalutyo lwezoqoqosho nakucwangciso loqingqo-mali lo gama etyhalela imida yegunya lawo elikhoyo. Ngaphandle kokudibanisa, amanyathelo anjalo azakuqhubeka enika iziphumo zolwando nxamnye nengxaki yesakhiwo.

Isiphelo

INgxowa-mali ye-Australia ibalulekile kwinethwekhi yendlela yokusebenza. Ukulawula kwayo imimiselo yezindlu ezihlawulekayo, izabelo zoqingqo-mali, kunye nemali exhaswa ngurhulumente inika amandla okubumba icala lokunikezela nokufuna kwemali yemizi - mveliso. Ngezithuthi ezifana neHouse Australia yexesha elizayo, iNgxokotho-mali yeZindlu, kunye neHomeding Sceming Sceality, iMalicesting Sceality, ive inkxaso entsha nemali efunekayo. Kodwa ukuzingisa amaxabiso aphezulu, ukunyuka koxinzelelo oluqeqeshiweyo, kunye nokuncipha kwemijelo yezindlu kubonakalisa ukuba amanqanaba anokungena aneleyo. Ukuze i-Otherine ikwazi ukuzalisekisa amandla ayo okuzinzisa isakhiwo, ingakumbi kwirhafuthelo-omrhulunt, umanyano lwendawo yolawulo oluphakathi kwezindlu nezindlu.

Ukuqhubeka ufundo, bona 2024 Ingxelo yesizukulwana [[FLT:] kwintsingiselo yezindlu, uhlalutyo lwe-AHURI lwe- ucoco loburha kunye nokufumaneka [, kunye neKhomishini yeMveli yoLawulo 2022 ingenisa ukungabikho kwezindlu.