Okwenza Ukuhlelwa Kwentela Kube Yizindaba Zokulungisa Impahla ENdiya

Ukulungisa izakhiwo eNdiya akusona nje isinqumo sezimali esinemiphumela emikhulu yentela. Noma ungumninikhaya othuthukisa indawo yokuhlala eyinhloko noma umtshali wezimali, ukuhlelwa kwentela okuhleliwe kunganciphisa indawo yakho yonke, ukugeleza imali, futhi kuqinisekise ukuhambisana ne-Inonating Teax Act, 1961. Ngaphandle kokuhlela kahle, ungaphuthelwa yizikwele ezingokomthetho noma ubangele intela. Lesiqondiso esibanzi sihlanganisa izinzuzo eziyinhloko zentela, izinqubo zokukhokha, izimfuneko zokukhokha, izintambo ezithathwayo ukuze usize ukuba uvale imali ezindaweni ezigciniwe zokulungisa iNdiya.

Izindleko zokulungisa zingahlelwa ngokwezigaba ezimbili zezinjongo zentela: intuthuko ephambili nokulungisa noma ukulungisa. Ukuqonda lokhu kuhlukanisa kubucayi ngoba intuthuko enkulu ifanele ukuhlaziywa kwentengo kanye nentela ngokuhamba kwesikhathi, kuyilapho ukulungisa ngokuvamile kukhiqizwa ngonyaka owenziwayo ukuze kuqashwe izakhiwo zokuqasha. Imithetho yentela yaseNdiya inikeza amalungiselelo amaningana ngaphansi kwezindawo ezinjenge-80C, 24(b), ne-80EEA, kanye nemithetho yokukhokha ngaphansi kwe-Invior Tax Act. Sizohlola ngayinye yale mithetho ngokuningiliziwe, kanye namasuntswo asebenzayo ukuze kulungiswe indawo yakho yentela.

Ukuqonda Izinzuzo Zentela Ezikhona Ukuze Kuvuswe Impahla

UHulumeni waseNdiya unikeza izisusa zentela zokulungisa izakhiwo ukuze akhuthaze ukuthuthukisa izindlu, ukuphumelela kwamandla, nokukhula kwezomnotho. Lezinzuzo zitholakala kokubili ngemisebenzi yokuzisebenzela nokuqasha, nakuba isimo nezinga zihlukile.

Ukubuthwa Ngaphansi Kwengxenye 80C Ukuze Kube Nenkokhelo Eyinhloko Nempisi

Ingxenye 80C ivumela ukuhlawuliswa kwemali ekhokhwayo ukuba ibe ngu-761.5 lakh ngonyaka ongokwezimali njengenkokhelo eyinhloko yemali ebolekwa ekhaya, i-oyile, i-octal, nentela yokubhalisa. Nakuba ukubuyisela kungasongwa ngokuqondile ngaphansi kuka-80C, noma yisiphi isikweleti esithathwayo sokulungisa imali (okufanelekela njengentuthuko) kungaphathwa njengemali eboletwa ekhaya, futhi ingxenye eyinhloko yokukhokhwa imali isuke ifaneleke. Ukukhokhwa okuthengwa kulungiselelwe ukubuyiselwa kuqediwe phakathi neminyaka emihlanu kusukela ekupheleni konyaka wemali eyathathwa ngayo. Lokhu ngokuvamile kushaywa intela, ngakho kubalulekile ukuqinisekisa ukuthi isivumelwano esibolekiswe imali ebolekayo sikhuluma ngokucacile ngokuthi injongo.

Ukulungisa Ngaphansi Kwengxenye 24(b) Ukuze Uthakazelise Ngendawo Yasekhaya Yokulungisa

Inzalo ekhokhwa ngemali ebolekwayo yokuvuselela noma ukuvuselela kabusha impahla ingathengwa njengentengo eshintshwayo ngaphansi kwe-Cate 24(b). Ukuze kuthathwe isakhiwo esizisebenzelayo, intethelelo enkulu i- 762 lakh nge-anum. Kuleyo ndawo eqashiwe, akukho silinganiso esiphezulu; yonke inzalo ingasuswa emalini yokuqashwa. Nokho, ukubuyiselwa kumelwe kube yindawo eqinile, hhayi ukulungiswa kwenqubo yesiqhelo, futhi imali eboletwayo kumelwe ithathwe ngokukhethekile ngenxa yalenjongo. Leli ithuluzi elinamandla lokuhlela ukuhlaziywa kwezindawo ngaphambi kokuhlenga noma njengengxenye yenqubo yokuhlenga.

Ukulungisa Izindlu Ngaphansi Kwengxenye 80EEA

Ngo-2019-20, i-Candelo 80EA linikeza i-tecs eyengeziwe yemali ethathelwe indawo yokuhlala ethathelwa intela yemali ethathelwe indawo ethatha imali yemali ethatha indawo yokuhlala enenani letembu elingadluli 7645 lakh. Nakuba ihlangene kakhulu nokuthengwa okusha, isilinganiso siyasebenza futhi uma imali ebolekwayo ithengwa ukuhlaziywa kwempahla ekhona manje ekufanelekelayo njengendlu ebekelwe imali ebekelwe imali. Lelilungiselelo limiselwe ukudlula ngemva kokuphela konyaka wemali, kodwa njengenani lemali esemthethweni yamuva i-Act, ihlala ikhona ukuze ibolekwe imali ebhaliswe ngaphambi konyaka ka-March 31, 2022. Abakhokhi bentela kufanele baqinisekise isimo samanje ngenkampani yemali efanelekayo.

ukuhlawuliswa kwezindleko zokubuyiselwa kwezakhi zegazi

Izakhiwo ezibizwa ngokuthi izakhiwo zebhizinisi noma eziqashiwe, izindleko zokulungisa intuthuko yemali zingathiwa ziwukwehla kwenani lenani lezakhiwo ezihlalayo. Izinga lokuncishiswa kwenani lezakhiwo ezibhaliwe ngesilinganiso esibhaliwe. Uma kuziwa ezakhiweni zezentengiselwano, izinga lingahluka. Okubaluleke kakhulu ukuthi izindleko zentuthuko kuphela, hhayi inani lendawo . Lokhu kuvumela abanikazi bezindawo ukuba banciphise iholo labo elikhokhelwa intela eminyakeni eminingana, kulinganise intengo yentengo yezentengo nokuphila kobungako.

Ukuze kushiwo ukuthi ukuncipha kwenani, ukuvuselelwa kumelwe kuhlelwe njengezindleko zemali eshisiwe kunezindleko zemali. Ngokwesibonelo, ukuthatha indawo yophahla, ukuhlanganisa ikamelo elisha, noma ukufaka isimiso sogesi welanga kungaba inhloko- dolobha; ukulungisa i-faucet evuzayo noma ukupenda ikamelo elilodwa kungaba izindleko zemali ezingakhokhwa ngonyaka ofanayo. Ukulondoloza amarekhodi anemininingwane kanye nezindleko zokuhlukanisa kahle kubaluleke kakhulu ekugwemeni ukungezwani komnyango wentela.

Ukuhlelwa Kwentela Okuyinhloko Kwezakhamizi Zokulungisa Imisebenzi

Kunezinqubo ezisebenzayo abanikazi bezindlu nabatshali bezimali abangazisebenzisa ukuze bahlele indawo yabo yentela.

Londoloza umnikeli onobuningi

Izindleko zonke ezihlobene nokuvuselelwa kufanele zibhalwe: amafacensi avela kumakheni, amarisidi ezinto, izitatimende zebhange kanye nezincwadi zokuboleka imali. Ukulungisa izakhiwo eziqashiwe, ukugcina ama-akhawunti ahlukene entuthuko yenhloko- dolobha nokulungisa. Imali efanelekile iyisivikelo sakho esiyinhloko uma kuqhathaniswa nokuhlolwa kwentela. ngaphandle kwamarekhodi, ngisho namathekishini afanele ezinto. Amakhophi e-amanani ayamukeleka, kodwa aqinisekisa ukuthi ayasebenziseka futhi ahlanganisa nonyaka, inani, incazelo yomsebenzi, nemininingwane yomthengi.

Umehluko Phakathi Kokulungisa Nezikhungo Eziyinhloko

Umehluko phakathi kokulungiswa (ongasenziwe ngonyaka owodwa kwezakhiwo zokuqasha) nentuthuko enkulu (eyadlula ngesikhathi) ibalulekile. Impahla ibuyisela indawo esimweni sayo sokuqala ngaphandle kokwandisa kakhulu inani layo noma ukuphila. Intuthuko yeqokobhe [[FLT:] [inani] lenza inani, lenza ukuphila kwempahla kube ngcono, noma ukuvumelana nenqubo entsha. Izibonelo zentuthuko yenhloko: ukuhlanganisa indawo entsha, ukufaka isimiso esiyinhloko sesimo somoya, ukufaka isimiso somoya. Izibonelo zokulungisa: ukulungisa ifasitela eliphukile, abantu ababhidliwe, izindonga. Uma uhlanganisa ipropati yentela, ukuvuselela intela, ukuhlelwa kwenqubo emisha; ukuhlelwa kwentela.

Izinqubo Zokwandisa Izinzuzo Zentela

Imithetho yentela nemingcele yokuncishiswa kwemali ebhaliswayo kushintshwa ngemali ebhaliswe imishayelelo. Uma uhlela ukubuyisela imali ebhaliswe kakhulu ngonyaka owodwa. Uma uhlela ukubuyisela imali ebhaliswe kakhulu, cabangela ukusakaza izindleko eminyakeni emibili ukuze ugcine isilinganiso semali encitshisiwe. Ngokwesibonelo, ngaphansi kwesiqephu 24(b), inzuzo yempahla oziboleka ngayo incishiswa nge 762 lakh ngonyaka. Uma uhlela ukukhokhela izindleko zokuyilungisa ngonyaka owodwa kudlula lonyaka, unganciphisa izindleko zakho zentela ngaphambi kokuba uthenge inzalo ngalowonyaka, noma isikhathi sokuyilungisa ukuze leyo mali ikhishwe ngokwezinga eliphakathi. Ngaphezu kwalokho, uma ulindele izindleko ezikhokhelwayo ngonyaka owodwa, ukukhuphuzwa okufanele kulowonyaka kunganciphisa ukukhokhwazwa kwentela yakho ngokunelisayo.

I - leverage Ezakhela Amandla-efficseate Ulwembu lwezithako Ezingaphezulu

Nakuba kungebona obanzi njengakwamanye amazwe, iNdiya inikeza izisusa ezingaqondile zokulungisa amandla. Ukufaka amapulangwe awenziwe ngelanga, amafasitela angasebenzi kahle, noma isimiso sokugawula amanzi emvula kungafanelekela ukuncishiswa kwentengo yempahla noma, kwezinye izindawo, ukukhulula ngaphansi kwemithetho yentela yempahla. Ngokuqondile, izindleko zokufakwa okunjalo zingafakwa empucukweni yenhloko, ngaleyondlela zifanele ukuncishiswa. Ezinye izakhi eziluhlaza zinganikeza futhi izinzuzo zempahla emalini ephepheni lezindawo ezithile.

Qala Ngaphambi Kokukhulula Impahla

Uma uhlela ukuqasha indawo, qeda konke ukulungisa okukhulu ngaphambi kokuba indawo ehlala kuyo ihambe. Lokhu kuqinisekisa ukuthi izindleko zokuvuselela ziphathwa njengentuthuko ephambili, futhi ukunyuka kungatholakala ngonyaka wokuqala weholo lokuqasha. Uma wenza ukulungisa ngemva kokuba inkampani ithathe indawo, ezinye izindleko zingabhekwa njengezindleko ezisheshayo, kodwa umugqa ungafiphazeka. Ukulungisa izindleko zangaphambi kokuhlinzwa nakho kukuvumela ukuba umise intela ekhudlwana, futhi uthuthukise inzuzo yakho ekukhokheleni imali.

Ukucabangela Okungokomthetho Nokulandelana

Izinzuzo zentela zihambisana nemithwalo yemfanelo. Izinqumo kumelwe zivumelane nemithetho yokwakha nemithetho yendawo, noma ulahlekelwe imali eshisiwe futhi uthole izijeziso.

Thola izimvume ezidingekayo

Ngaphansi kwe-Real Real Sices (Isivumelwano Nentuthuko) Act (RERA) kanye nomasipala ngemithetho, izinguquko zokwakha zidinga imvume yangaphambili. Uma usenza isakhiwo esisemthethweni, umnyango wentela ungabheka izindleko njengezingakholeki ngoba inzuzo ngokwayo iba yingekho ngokomthetho. Ukuvikela izikweleti, kuqinisekisa ukuthi unemvume edingekayo yokwakha nezitifiketi zokuqeda. Lokhu kubaluleke kakhulu uma ufaka izikweli zezezi eziyinhloko zempahla ezizisebenzelayo, njengoba uMnyango Wezentengiso ungacela ubufakazi bokugcinwa.

I-GST ezisekelweni zokubuyisela umva

Izinkonzo zokubuyisa zikhanga amaGolds neNkonzo ye-Internet Tax (GST) ezindaweni zokuhlala ezingamaphesenti angu-5 (uma ubukhulu bempahla bungaphansi kwama-60 sqm. amamitha kanye nenani liphezulu kuya ku-45 lakh, amazinga aphansi ayasebenza). Izakhiwo zezentengiselwano, izinga lingu-18%. Uma ungumnini wendawo oqasha umnikazi wenkampani, i-GST ingabhalisa intela yokukhokha kuphela uma ubhaliswa ngaphansi kwe-GST futhi ukuvuselelwa kungenxa yezebhizinisi (umz., ukuqasha kwezentengiselwa kwezentengiselwano). Ukuvuselela kwezindawo zomuntu siqu, iGST kuyizindleko zokuqasha intela. Nokho, unganezela intengo yenkokhelo yenkako yezelo yezeko yezeko yezentengiselwano ekhushuliwe, ukukhushubela isakhiwo sesakhiwo sesakhiwo.

Inhloko - dolobha Ithola Izinkinga Lapho Ithengisa

Ukubuyiselwa kungathinta intela yenkokhelo uma uthengisa impahla. Izindleko zentuthuko yemali zinezelwa entengo yokuthola imali, ukunciphisa inzuzo ekhokhelwayo. Lokhu kusiza kakhulu uma wenza intuthuko enkulu esikhathini futhi uthengisa kamuva. Ukuze uzithole lenzuzo, kumelwe ugcine amarekhodi anemininingwane ezindleko zokuvuselela phakathi nenkathi yokubamba. Inzuzo (ukuhlela ukwehla kwamandla emali) ingasetshenziswa ekuthuthukiseni inzuzo, ukunciphisa inzuzo engokwengeziwe. Isiqondiso esiningi kakhulu, sibhekisele kuwebhsayithi yezente ([FLT: 0]] engenisa intengosi yomnyango wezentengosi yeTax (incopini engenisa i-traxinanti.v.)[FLD:1]

Izihibe Ezivamile Okumelwe Zigwenywe

  • Ukuhlela izindleko zomuntu siqu nezendlu yokuqasha: Uma unendawo esetshenziswa ngokwengxenye njengendawo yakho yokuhlala futhi iqashiwe ngokwengxenye, inikezela ngokwesilinganiso sezindleko zokuvuselela. Intuthuko yesikhungo senkampani kuphela yemali eqashweyo efanelekela ukwehla.
  • Ukukhomba ufako lwezintuthuko ezindala: Uma kuthengwa, izindleko zokuthuthukisa zingakhonjwa kusukela ngonyaka lapho intuthuko iqediwe. Abakhokhi abaningi bentela baphuthelwa lokhu, okuholela ekuzuzeni intela ekhudlwana.
  • Ukusho ukuthi ukwehla kwenani lezakhiwo zokuqasha: Ngisho noma ungasho ukuthi ukwehla kwenani lokuncipha, umnyango wentela ungaphatha insiza njengokungathi uvunyelwe ukwehla kwenani lemali, unciphise isisekelo sezindleko zakho. Kungcono ukusho ngokucacile.
  • Ungabheki uchwepheshe wentela: Imidlalo ephakathi yama-Akhawunti 80C, 24(b), nokwehla kwenani eliphansi kuyinkimbinkimbi. Iphutha lingaholela ezijezisweni noma ezinzuzo eziphuthile. Cabangela ukuqasha umbhali-zincwadi okhokhelwayo (CA) kwiNhlangano yama-Akhawunti ase-Indiya noma umqalisi wentela ofanelekayo.

Isibonelo Esiwusizo: Ukulungisa Ukwahlukana Kwamazinyo

Masithi unendlu ye-2BHK eNoida oyithengile nge 7650 lakhs eminyakeni emihlanu edlule. Uthatha imali ebolekiswayo yama 7610 lakh ukuvuselela ikhishi, ufake izingubo zezingubo ze-odar, bese wengeza amapalishi elanga. Ukuvuselela kuphele ngonyaka ofanayo wemali. Inzalo emalini ebolekwayo ingu-080 000 ngonyaka, futhi uhlela ukuqasha indawo ngo-18,000 ngenyanga.

  • Ingxenye eyinhloko yemali ebolekwayo (yethi 7620 000 ngonyaka wokuqala) ayikho ngaphansi kweSahluko 80C uma imali ebolekwayo ingeyokuvuselela ngokukhethekile.
  • Isithakazelo sika - 7680 000 silula ngokuphelele ngaphansi kweSahluko 24(b) njengenzalo yeholo - awanamali ephakeme.
  • Inhloko - dolobha yama - 7610 lakh (kuhlanganise nokufakwa) incishiswa nge - 10% p.a. ngesisekelo se - WDV, inikeza intethelelo yemali eqashwayo engama - 761 lakh ngonyaka wokuqala, inciphisa iholo elikhokhelwayo.
  • Ama - solar compal angase afanelekele ukwehla okusheshayo ngaphansi kohlelo Lweziphethu Ezivuselelekayo (uma lusetshenziswa), kodwa okungenani, anenezela esisekelweni esilula.

Ingqikithi yentethelelo ngonyaka wokuqala: 7680 000 (ethakazelayo) + 761,50 000 (inkokhelo) + intethelelo eyinhloko (engaphansi kwesephu elingu-80C). Lokhu kunciphisa kakhulu intela yakho yenetha ngeholo lokuqasha, okungayiletha eqandeni eminyakeni embalwa yokuqala, kuyilapho kwakha inani lenani lenani lenani lesikhathi eside.

Imicabango Yokugcina Ngokunikeza Izinzuzo Zentela Eziqinisekile

Ukuhlela intela yokulungisa izakhiwo eNdiya akuyona imisebenzi yesikhathi esisodwa; idinga ukucatshangelwa lapho kuhlelwa, ngesikhathi sokwakha, nalapho kuhlelwa. Hlala uzazisiwe ngezinguquko zemali yonyaka ezithinta imali ebolekwayo yendlu, intengo, nezisusa eziluhlaza. Sebenzisa imithombo enegunya njenge [ICAIA[[FL:1] kanye ne-[FLT] Iletha amathekisi oMnyango weTax [ ukuze uhlaziye.

Ngokusebenzisa amasu adwetshwe ngokuhlelwa kwezindleko ezifanele , ukugcina irekhodi elicophelelayo, ukusebenzisa imali ekhokhwayo ngokufanele, nokuvumelana nezimfuneko ezingokomthetho, ungathuthukisa kakhulu umphumela wezimali womsebenzi wakho wokuvuselela. Kungakhathaliseki ukuthi ungumninikhaya ondisa induduzo nenani lempahla yakho, noma umfaki wemali yokukhokhela, ukuhlela intela okuphumelelayo kuqinisekisa ukuthi ugcina imali yakho eyengeziwe uma uhlala ngaphakathi komthetho.