Ukuqonda Indima Yezimali Zase - Australia Enkingeni Yokuhlala

Inkinga yezindlu ezikwazi ukukhokha iAustralia ingenye yezinselele zezomnotho ezingapheli neziphikisana kakhulu ezibhekene nesizwe. Amanani ezindawo zokuhlala ancipha phakathi kwezizukulwane ezisha, ukucindezeleka kokuqasha ayanda, futhi imikhaya ethola imali ephansi izama ukuthola indawo yokuhlala elondekile, engathelekiyo. Nakuba izici eziningi zinikela ngo-(kuhlanganisa ukwanda kwenani labantu, ukuvinjelwa kokuhlelwa kwezakhiwo, izindleko zokwakha, kanye nomnini-mali ofuna i-"""imfuno"""inhlangano yezezomnotho ephambili kahulumeni, i-Australia, iphethe ithonya elikhulu phezu kwemigoqo yemithetho ekwazi ukuveza imiphumela engcono. Lesi sihloko sihlola i-Center nendima yayo, amathuluzi okulahlwa kuyo, kanye nezingatshalo ezikhona ekulungiseni isimo esibhekene bucayi esithinta ukuhlangana kwezentengongo yemali, imali, nezindawo zokulawula.

Ikhonsathi Yezimali Nezindawo Zokuxhumanisa Izindlu

I-Australian Treasurer inomthwalo wemfanelo wokweluleka uhulumeni ngesimiso sezomnotho, kuhlanganise nezindlela zokukhokha intela, ukuhlelwa kwentela, isimiso sezezimali, kanye nokugcinwa kwezindawo ezinde kwemali yomphakathi. Izindlu ezihlangene nazo zonke izingxenye zalokhu kugunyazwa. Izindlu zomuntu siqu zimelela ingxenye enkulu yengcebo yendlu, isikweleti semali ebolekileyo, ukukhathalela okukhulu kwezezimali, futhi izindleko zentela ezihlobene nentela (njengokuthi intengo yentela ehoxisiwe) zibiza izigidi zezigidi zemali ebhajekile ngonyaka. Imali yemali yezemali esetshenziselwa ukuhlanganisa izakhiwo, ukuveza izimali, ukuveza izimali, ukuhlanganisa izimali, ukunikeza i-695sidensive, kanye nemiphumela yokusakaza intela yentela ephakathi kokukla intela nokukhokha intela yezindlu.

Imithetho yentela nezinhlelo zentela

I - Treasurer isingatha ngokuqondile umklamo nezindleko zentela kahulumeni ezithinta izimakethe zokuhlala.

  • Ukubeka izilinganiso: Ivumela abatshali bezimali ukuba basuse ukukhokhela iholo elilahlekile kwenye iholo. Izimali zivame ukulingisa imiphumela yokulinganisela noma ukususa lemvume, zilinganise inzuzo yemali ehambisana nemiphumela eqoqweni lokuqasha nenani lendlu.
  • [ Inzuzo yentela ye-capital (CGT) intethelelo: Ukwehla okungu-50% kwempahla egcinwe izinyanga ezingaphezulu kwezingu 12. I-Moota ihlola indlela ukuncishiswa kwenani eliphansi okunganciphisa ngayo isidingo esicatshangelwayo nokukhuphula isikhala esikhululekile sokukhokha izindleko.
  • Icebo lokuqala lasekhaya Elikhulu Lokusindisa i-[FHSS: livumela abathengi bokuqala bekhaya ukuba bagcine phakathi kwentela enkulu kakhulu ngesilinganiso semvume. Uthengiselane uqondisa imithetho elawula iminikelo, izigwegwe, nesephu laminyaka yonke.
  • Isiqinisekiso se-Scheme yase Home: Isiqinisekiso sikahulumeni esisiza abathengi abafanele ukuthengwa ngefashoni ephansi, elawulwa yi-Moolence ehlangene ne-National Home and Investicement Corporation (NHFIC).

Nakuba iMondli inikeza ukuhlaziywa kwalezizinyathelo, ayimiseli uhulumeni isimiso sentela (8) izinqumo zezezombangazwe. Noma kunjalo, izindleko zeNdawo nokuhlela okukhulu ukuphikisana nomklamo ogcinayo wanoma isiphi inguquko.

Ukusetshenziswa Kwemali Esetshenziswa Ezindaweni Zokuhlalisa Izindlu

Imali kahulumeni ngayinye ihlanganisa imali enkulu eqondiswe ekutholeni izindlu, eziningi zazo eziklanywe futhi zisetshenziswe yiTreasure. Lezi zihlanganisa:

  • Ukuxhasa i-Australia Fullment yesikhathi esizayo, isikhwama sokutshala imali esikhokhela imali esibuyisa imali ukuze sakhe izindlu zokuqasha ezingokwabantu ezingu-30 000 nemali ebizayo eminyakeni emihlanu. I-Moondreal ilawula isakhiwo senhloko - dolobha yezimali nesimiso sokuhlenga.
  • Izindawo eziya ezifundeni nasemasimini ngaphansi kwe- Izindawo zesizwe nesivumelwano sokungabi namakhaya (NHA), okuvunyelwana kwe-University ne-University of Social Services ukuqinisekisa ukungaguquguquki kwezimiso eziqinile.
  • Izimali eziqondile ezinikezwa [[QL:0] Usizo lwezengqondo uhlelo, olukhonjwe ukuqasha izimali ezikhushuliwe yi-Treeter unyaka ngamunye.
  • Ukuxhasa i-NHFIC [[FLT: 0] I-Afford House Bond [, enciphisa izindleko zenhloko - dolobha zezindawo zomphakathi zokuhlala.

Ngokulawula imvilophu yemali, iNdawo yezimali ithonya isikali, isikhathi, kanye nemibandela yokutshala izindlu. Indima yayo ekulungiseleleni ukuvumelana kwezindleko zamakomiti kuqinisekisa ukuthi noma isiphi isiphakamiso esisha kumelwe sibonise izindleko kanye nemiphumela ekhokhekayo ngaphambi kokuba sifinyelele ekhabetheni.

Ukunezela I - Levas YaseSide: Izakhiwo Ezingahleleki Nezwe Elikhululiwe

Izindawo zokuhlala zixhomeke kakhulu ekutholakaleni kwendawo, izimiso zokuhlela, kanye namandla esisekelo. I-Ethermeter ayilawuli ngokuqondile izakhiwo noma izakhiwo zemvume − lawo mazwe ahlala nohulumeni bendawo. Nokho, angathonya ukuthunyelwa kwezindawo ngemishini kahulumeni:

Ukutshala Imali Nezinzwane Zezindlu

Imisebenzi emikhulu yokuthutha nesisekelo sezenzuzo exhaswe uhulumeni (umzk., nge-Infrastructurare Australia kanye ne-National Panetship Advects) incishiswa futhi ihlolwa yi-Moove. Izinqumo mayelana naziphi izakhiwo ezithola indawo yokuqala yemisebenzi, futhi iziphi izimfuneko ezihlangeneyo zokusekela ukuxhasa ukusungulwa kwezindawo eziluhlaza ze-/engile ezikhona uma kungenjalo ingasebenzi. I-Othernation isebenza noMnyango we-Infrastructives ukuze ifanekise ukubuya kwezomnotho kokunikezelwa kwezindlu ezixhunywe ekuthutheni amapayipile, futhi ingatusa ukuba izimali zikahulumeni zenziwe zincike emazweni avimbelayo.

Ukusetshenziswa Kwendawo Ezungezile Nezwe −

Imvume yendawo ezungezile ngaphansi kwe- Ukuvikelwa kwe-Environment and Biodiversity Conservation Act 1999 ingabambezela noma inqande intuthuko enkulu yokuhlala. Inkampani yezezimali ihlanganyela ekuhlaseleni imingcele yokuhlola izinhloso zendawo ezungezile ngokuhlola izisulu zokuhlala, isekela izindlela zokuhlola lapho kufanele khona. Ukukhomba kwezindlu ezifuna ukuthengwa kwezindawo zokuhlala ezithengiswayo kunikeza umbono kahulumeni ukuthi isikhathi sokukhokha izinto ezibonakalayo yini.

Ukungenela Okudingwayo: Usizo Lwezimali Nezindawo Ezihlobene Nemacroudida

Ngaphandle kwentela, i - Treasury yengamela izimiso ezingokwezimali zosizo ezithinta izindleko zezindlu.

Iminikelo Neziqinisekiso Zokuqala Ekhaya

I-Home Difictive Scheme (kuhlanganise neSiqinisekisi sokuqala Sasekhaya, i-Regional Home Treaty, ne Home Isiqinisekiso se-System) iye yanda ngokushesha, njengoba izindawo ezingu-50 000 zikhona ngo-202425. I-Mooral inikeza izitebhu, isilinganiso sokungadingeki, nokuboleka. Nakuba lezi zinqubo zisiza abathengi abakwehlisa ipesenti ukuba bangene emaketheni, abacusumbuli baphikisa ukuthi ngokuyinhloko bandisa imfuno futhi basunduza intengo .)

Ukungenela Nebhange LeReserve Ne - APRA

Inkampani yezimali ayimiseli amazinga enzalo noma imithetho ehlakaniphile, kodwa ibambisana neReserve Bank yase-Australia (RBA) ne-Prudial Regative Authority (APRA) nge-Council of Financial Regallerator. Imakethe yezindlu ezishibhile kakhulu .imboni yezezimali ebolekisa ngemali engaphezulu-kakhulu-kakhulu(_ngokuhlukene) ikhokhisa u-APRIPA ukuba ibeke ijubane lenzalo emalini ebolekwaneni kanye naseziqiwini eziqinile zemali ezikhokhwakhwaneni. Iqembu lemali elizisekeli liyibeka ezikwele kakhulu ezikweletini zendlu ephakeme futhi lingatusa ukuba i-APUA ilungise izinhlelo ezithene zemali ezithelekayo.

Ukubambisana Ngaphesheya Kohulumeni Bombuso NoMbuso

Ukutholakala kwezindlu akunakuxazululwa iCommonwealth kuphela. Izwe lilawula ukusetshenziswa kwendawo, indawo yomphakathi, izintela zokuthumela izintela (imisebenzi) nesivikelo sezindawo. I-University ihola izingxoxo zikahulumeni zokuthunyelwa kwezindlu, kuhlanganise nesivumelwano esisha sezindlu ze-NHA nesivumelwano sezindlu zamazwe ahlukene esaziswa ngo-2024. Indima yayo ihlanganisa:

  • Ukuklama imikhakha yokuthutha izindlu zikahulumeni, ehlobene nokusebenzisa imali ewuhlweza.
  • Izihlongozo zikahulumeni eziwukuxosha izitembu zokushintsha umsebenzi (isimo, ukushintshela ekukhokheni intela yomhlaba esekelwe ezindaweni eziningi) nokuhlaziya imiphumela yemali ezifundazweni.
  • Ukuhlanganisa iZindlwana Nezinkonzo Zasekhaya kuhlela ukuhlelwa kwemithetho kahulumeni yokuhlela imali nezikhathi zokulungisa uhulumeni.

Ikhono leNkongozelo lezivumelwano zokwaphula liye lathuthuka lapho kusungulwa i - Australian Home engaphakathi komnyango, esebenza njengesikhungo esikhethekile sezimiso zokunqabela izigwebo.

Izinyathelo Ezinkulu Zamuva: IHAFF, INHHA, Nesimiso Sezwe Sokuhlala

Izindawo zikahulumeni eziyinhloko zokuhlala ngaphansi kukahulumeni wase - Alban zineNdawo Yezimali.

Ukuhlala E - Australia Esikhathini Esizayo (HAFF)

Ngo-September 2023, i-HAFF ithatha ama-R120 000 000 000 emalini yomphakathi ukuze ivuselele inzuzo yokwakha izindlu zomphakathi. I-University ayizange iklame isakhiwo esiyinhloko sezimali (ifaka i-partgard translated translated translated Office ye-Parmagement ekulondolozeni kwayo okude. Inhloso yezimali yokuhambisa amakhaya angama-30 000 eminyakeni emihlanu, kanye nengu-10 000 ukuze kuthathwe ukungabi namakhaya. I-faksion yenze iqondiswa yi-feacerst ekhonsalini e-Australia (Otherhost HOlf NHFIC).

Ukuthathelwa Indawo Kwezindlu Zesizwe Nesivumelwano Sokungabi Namakhaya (NHHA)

Ngo-2024, uhulumeni wabophekile e NHHA entsha ekhokhelwa ngemali ethé xaxa isamba semali engeziwe (amaRandi ayizigidi eziyizinkulungwane ezingu-42 ezingaphezulu kwezinhlanu) kanye nezimo ezinamandla ezidinga izimo zokuthuthukisa izinguquko zokuhlelwa kwezakhiwo. I-Mooker yaklama indlela entsha yokusekela imali (isekelwe ekuhlanganyeleni kwenani labantu, izikhombisi zokuqasha, nokutshala izimali ezingokomlando, kanye nokulungisa izakhiwo ezikhona ngaphambili. Yaqala futhi imfuneko yezifundazwe zokubika obala ngokukhululwa kwezwe nokuvunyelwa kwezikhathi, isilinganiso esicacile se-Endices esenziwe ngokusebenza kahle kakhulu kwezizwe zonke.

Isimiso Sezindlu Zombuso

Iqaliswe ngo-2022 futhi yavuselelwa ngo-2024, i-Syncil iyisivumelwano phakathi kohulumeni bezwe, nohulumeni bendawo, kanye nezindawo zokuhlala zempahla kanye nezindawo zomphakathi, ihlose ukwakha amakhaya amasha ayizigidi ezingu-2,2 anezicathulo ngo-2029. I-Monday inikeza izibikezelo zenani elikhulu labantu futhi ukwakheka kwemikhaya okusekela izisulu ze-Scrence, futhi ihlanganisa imibiko yentuthuko ethatha ikota.

Izinselele Nokugxekwa Kwendlela Umnini - sitolo Aya Kuyisingatha Ngayo

Naphezu kokujula kwayo nokufinyelela kwayo kokuphatha, i - Treasury ibhekene nokulinganiselwa ekubhekaneni nokukhokha izindlu.

Ukuhlukana Kwezimiso Nezindawo Ezifushane

Isimiso sezindlu sihlukene eminyangweni eminingi yezezimali ."Treasury, Services, I-Infrablicature, Ukushintsha Isimo Sezulu. Ifaka izimpawu ezingaguquguquki. Izethulo, lapho i-Moove ifuna intela engaphandle kwe-36, uMnyango Wezinkonzo zezeNtlalo zezenhlalakahle ukhokhela usizo oluza ngokungaqondile kumnini wezimali ezifanayo. I-Moondreal iye yagxekwa ngokungasunduzi iphakethemu lenguquko elibanzi elihambisana nentela, intela, nezimiso zezenhlalakahle.

Ukuphikelela Ukubhekana Nezilungiselelo Zentela Eboshiwe

Bobabili amaqembu amakhulu baye bagwema izinguquko ezinkulu ekulungiseni izinto ezingalungile nasekuncipheni kwe-CGT, naphezu kokutusa okuphindiwe kweTreasury phakathi namashumi eminyaka ukuze inciphise noma ikhiphe. Ukhetho lukahulumeni lwango-2019 lwabonisa izindleko zezombangazwe zezinguquko ezinjalo, futhi i-Ethermary manje isebenza ngaphansi kweziqondiso zikahulumeni ezicacile hhayi ekuthatheni ezinye izinzuzo ezingekho ngokomthetho. Abagxeki baphikisa ukuthi lokhu kwakhiwa kwezethulo kululaza ukuzimela komnyango.

Ukuntuleka Kokulawula Ngokuqondile Iziphazamiso Eziningi

Uhulumeni nendawo baphethe amasu anele ekwakheni izindawo, ukuhlela imvume, nemithetho yezindlu ezibizayo. I-Ekomishini ingafaka inguquko kodwa ayinakuyiphoqelela. Izimo ze-NHA ziye zaba buthakathaka, kanti izifunda eziningi azikwazi ukuhlangabezana nezimfuneko ngaphandle kwesijeziso. I-Mooral ye-Mooral ilinganiselwe ekunikezeni ngokugodla u-(a) ithuluzi elibukhali elingaphazamisa izimali esikhundleni sokukhuthaza ushintsho lweqiniso.

Izimpahla Ezidla Ubhedu Zingase Zidubuleke

Iqopha umboniso wezezomnotho weTreasure nezemfundo njengeAustralian House and Urban Research Institute (AHURI) ibonisa ngokungaguquki ukuthi izimali neziqinisekiso kubathengi bokuqala base-gradahome ziyanda inani lokuthenga ngaphandle kokunezela, okuholela ekuthengisweni kwenani lenani. INdawo yezimali iye yakuvuma lokhu ngemifushane yangaphakathi kodwa iyaqhubeka isebenzisa lezi zinqubo ngenxa yokuthandwa kwezombangazwe. Indlela ephumelelayo engcono kakhulu yokuthatha isikhathi eside ingahlanganisa ukusekela ngokuqondile edingweni entsha, njengenani elihlangene nenani lenani eliphakeme lentengongo ekhuphukayo.

Iziyalezo Zesikhathi Esizayo: Lokho Inkampani Engakwenza Ngokuhlukile

Uma sibheka phambili, i - Treasury ingaqinisa ithonya laso ngezinguquko eziningana:

  • Isu lezindlu elifakiwe: liveza isu elilodwa, ukukhokhela ukukhokhela eHlolweni ngalinye, okunezisulu ezicacile zokuthengwa, ukuqashwa kwemithwalo, nezinga lomninilo.
  • Isibonelo se-tax ye-map yokuguqula umgwaqo: futhi sishicilela ushintsho oludlangile olusuka ekulungiseni okuphambene kanye nasekuncipheni kwe-CGT, okuhambisana namalungiselelo e-lock āin ukuze kunqandwe ukuphazamisa abangenisi bemali abakhona.
  • [ Isisekelo sesisekelo sesisekelo sesisekelo sezimali: Ifuna ukuba noma yisiphi izimali zikahulumeni zezothutho lwasemadolobheni noma izinto ezisemzimbeni zincike kushintsho lwezindawo zikahulumeni oluvumela indawo yokuhlala ephakathi nendawo eduze kwezindawo zokuthutha.
  • Ukuhlanganiswa okungcono nokuzinzile ngokwezimali: Ukuhlela i-Mooral .RBAPAPRA “i-hoverse ekwaziyo nokuzinza kwekomiti” ukuqondisa ukuxhumana phakathi kokuncishiswa kwemali kanye namanani endlu, nokutusa izenzo ezizandulelayo.

Lezi zinyathelo ziyothuthukisa amandla eNdawo ekuhlaziyeni zomnotho nasekuhleleni uhlelo lwemali kuyilapho zivimbela imingcele yegunya layo lamanje.

Isiphetho

I-Australian Treasurer ingumkhandi obalulekile we-National Reasyment System yesimiso sokukhokha izindlu. Ukulawula kwayo izimiso zezindlu, ukuhlelwa kwemali, ukuhlelwa kwemali, nokuxhaswa kwezimali ezingokwasemthethweni kunika amandla okuhlela kokubili ukuqoqwa kwezindawo zokuhlala kanye nokufunwa kwezindawo zokuhlala. Ngezimoto ezinjenge-House Australia Future Fund, i-National Homess Studictive System, ne Homedictive System, iMalication i-Money ivel ive inikeza izimali ezintsha nezisekelo eziphambili. Nokho ukuphikelela kwentengo ephezulu, ukukhuphuka kokucindezela, nokuncipha kwenani lokuhlala kwezindawo zokuhlala kubonakalisa ukuthi ukunganela kwazo amanani anele. Ukuze i-Fatheral Accomist ikwazi ukugcwalisa inguquko yayo engeziweyo, ikakhulukazi ngokuhlela intela, umbuso wezwezwe, ukuhlanganisa izakhiwo nezindawo nezindawo ezivamile ezithandwayo.[9] Kuyiqhubekiswe nje kuphela ngaphandle kwe-Australia.

Ukuze uqhubeke ufunda, bheka umbiko wenani lenani lemali [[FLT:] [[FLT]] ekuhleleni izindlu, ukuhlaziya kwe-AHURI [ i-parxia kanye nokukwazi [, kanye neKhomishanti yezeMbeko engu-2022 ukuhlanganisa nokungabinandawo.