Tumizani msonkho ndi ndalama za wogula mukamagula malo ku Netherlands

Pafupifupi nyumba iliyonse ku Netherlands imalengezedwa kuti ndi yotsika mtengo : mtengo wake ndi mtengo wa nyumbayo, ndipo ndalama zoisinthira ndi zanu. Mtengo waukulu kwambiri ndi msonkho wosamutsa, womwe umalipidwa pa 2, 8 kapena 10.4 peresenti kutengera zomwe mumagula komanso zomwe mudzachita nazo. Tsamba lino likufotokoza mitengo itatuyi ndi komwe imachokera, kuchotsedwa kwa woyambitsa nyumba, zopumula zomwe ndizofunikira komanso ndalama zina zomwe muyenera kuzigwiritsa ntchito pa bajeti. Ndi chidziwitso cha zamalamulo, osati upangiri wamisonkho kapena zachuma pakugula kwanu; kuti mupereke msonkho pazochitika zinazake, funsani mlangizi wamisonkho.

Kodi mawu akuti "kosten koper" amatanthauza chiyani, komanso amasiyana bwanji ndi "vrij op naam"

Kk ( kosten koper , "ndalama za wogula") zikutanthauza kuti mtengo wolengezedwa suphatikizapo ndalama zosamutsa; mumalipira zomwe zili pamwamba. Von ( vrij op naam , "zaulere pa dzina") zikutanthauza kuti mtengo womwe uli kale umaphatikizapo mtengo woyika katunduyo m'dzina lanu. Kusiyanaku kumatsatira kwambiri nyumba zogwiritsidwa ntchito kale poyerekeza ndi zomangidwa zatsopano: nyumba zomwe zilipo nthawi zambiri zimagulitsidwa kosten koper , nyumba zatsopano kuchokera kwa wopanga vrij op naam , chifukwa VAT m'malo mwa msonkho wosamutsa umagwira ntchito ndipo wopanga amamanga mtengowo.

Pansi pa kosten koper wogula nthawi zambiri amanyamula:

• msonkho wosamutsa (overdrachtsbelasting);
• ndalama za notary pa chikalata chosinthira (leveringsakte);
• Kaundula wa Malo (Cadastre) ndalama zolembetsera chikalatacho;
• ndipo, ndi ngongole ya nyumba, notary ndi ndalama za Kadaster za chikalata cha ngongole ya nyumba.

Sichiphimba ndalama zomwe wogulitsa amalipira, zomwe wogulitsa amalipira, kapena upangiri wanu wogula, kafukufuku, kuwerengera mtengo kapena ngongole ya nyumba. Ndipo vrij op naam sizitanthauza kuti palibe ndalama zilizonse: pa ngongole ya nyumba yatsopano, chikalata ndi kulembetsa kwake zimakhalabe zanu.

Misonkho Yosamutsa (overdrachtsbelasting): mitengo itatu

Misonkho yosamutsa imalipidwa pakupeza katundu wosasuntha ku Netherlands ndi ufulu wake, monga lendi yayitali ( erfpacht ) ndi ufulu womanga ( opstal ). Mitengo ili mu nkhani 14 Wet op belastingen van rechtsverkeer.

Kapangidwe ka nyumba kanasintha pa 1 Januwale 2026. Mpaka kumapeto kwa chaka cha 2025 panalibe chiwongola dzanja chosiyana cha nyumba zomwe wogula sakanatha kukhalamo: zinagwa pansi pa chiwongola dzanja cha 10.4%. Kuyambira tsiku limenelo, nkhani 14 ili ndi chiwongola dzanja chosiyana cha 8% chogula nyumba, ndipo 2% imasungidwa kwa wogula amene adzakhalamo ngati nyumba yawo yayikulu ndipo 10.4% imatsala ngati chiwongola dzanja cha zina zonse. Mitengoyi ili mu lamulo ndipo imasinthidwa kudzera mu dongosolo la pachaka la Belasting, kotero imakhalabe mpaka Nyumba Yamalamulo iwasinthe; Belastingdienst imafalitsa chiwongola dzanja chomwe chikugwiritsidwa ntchito tsiku lililonse.

Zidule zakale zomwe zikupitilirabe 10.4%

Mitengo itatuyi yakhazikitsidwa: 2% ya nyumba yomwe wogula adzakhala ngati nyumba yawo yayikulu, 8% ya nyumba yomwe wogula sadzakhalamo, ndi 10.4% ngati mtengo wamba wa nyumba zomwe sizikhalamo. Popeza mtengo wa 8% ndi watsopano, chidule chakale ndi masamba a alangizi nthawi zina amaperekabe 10.4% ya nyumba yobwereka, nyumba yachiwiri kapena nyumba yatchuthi - mtengo womwe unagwira ntchito mpaka kumapeto kwa chaka cha 2025, koma osati kugula pambuyo pake.

Masamba a mitengo a Belastingdienst ndi omwe amalamulira. Yang'anani malo omwe ali pa tsiku la chikalata chanu ndipo funsani notary wanu kuti atsimikizire mtengo musanasainire.

Chikhululukiro cha woyambitsa (startersvrijstelling)

Wogula amene akwaniritsa zofunikira zonse salipira msonkho wosamutsa konse. Chikhululukirocho chili mu nkhani 15 Wet op belastingen van rechtsverkeer, lamulo lolengeza mu nkhani 15a. Zonsezi ziyenera kukwaniritsidwa:

• Zaka. Wogula ayenera kukhala ndi zaka 18 kapena kupitirira apo ndipo asanafike zaka 35 pamene chikalatacho chasainidwa. Mayesowa amagwira ntchito kwa wogula aliyense: ngati m'modzi mwa awiri omwe amagula limodzi ali ndi zaka 35 kapena kupitirira apo, gawo la wogula woyenerera lokha ndi lomwe siliyenera kulipidwa.
• Kamodzi kokha. Wogula sayenera kukhala atagwiritsa ntchito chilolezo chochotsera nyumba kale. Kukhala ndi nyumba kale sikukutanthauza kuti simukuyenera; kugwiritsa ntchito chilolezochi kumakulepheretsani.
• Mwiniwake. Wogula ayenera kugwiritsa ntchito nyumbayo ngati nyumba yake yaikulu osati kwakanthawi. Kugula nyumba yobwereka, kukonzanso ndi kugulitsanso, kapena ngati nyumba yachiwiri sikuvomerezeka.
• Mtengo wocheperako. Mtengo wa nyumba ndi zinthu zake siziyenera kupitirira mtengo wa woningwaardegrens. Malire amenewo amalembedwa pa 1 Januwale iliyonse ndipo amafalitsidwa ndi Belastingdienst, choncho yang'anani chaka cha chikalata chanu. Ndi malire otsetsereka, osati mzere: euro imodzi pamwamba ndipo kuchotserako kumachepa kwathunthu, ndi 2% pamtengo wonse osati wowonjezera.

Malire amalembedwa ndipo amasintha pa 1 Januwale iliyonse, kotero kugula pafupi ndi malire, tsiku lomaliza lokha likhoza kusintha zotsatira.

Chilengezo cholembedwa, ndi zomwe zimachitika ngati chalakwika

Chiwongola dzanja cha 2% kapena chochotsera choyambitsa sichigwira ntchito zokha. Nkhani 15a imafuna kuti wogula anene momveka bwino, molimba mtima komanso mosakayikira, m'chilengezo cholembedwa, kuti adzagwiritsa ntchito nyumbayo ngati malo awo okhala osati kwakanthawi - ndipo, kuti achotsedwe chochotsera choyambitsa, kuti sanagwiritsepo ntchito kale. Belastingdienst imafalitsa mafomu okhazikika, ndipo chilengezo chosainidwacho chiyenera kufikira notary asanasamutsidwe.

Chilengezochi chikukhudza cholinga chanu panthawi yogula nyumba, osati lonjezo lakuti palibe chomwe chidzasinthe: ngati mukufunadi kukhala kumeneko ndipo zinthu zikakukakamizani kusamuka kapena kubwereka, mpumulo sudzatayika mobwerezabwereza. Chomwe sichiloledwa ndi kulengeza cholinga chomwe mulibe. Ngati chilengezocho chikhala cholakwika, Tax Administration ikhoza kukweza chiwongola dzanja china ( naheffingsaanslag ) cha kusiyana kwake kuphatikiza chiwongola dzanja ndikupereka chilango pamene wokhometsa msonkho ali ndi mlandu. Zilango za kubweza kolakwika kapena kosakwanira ndi za art. 67d ndi art. 67e AWR; kukonza mwaufulu komwe kumachitika mkati mwa zaka ziwiri kwenikweni kumaletsa chilango chotere.

Ndani ali ndi udindo, ndi momwe msonkho umaperekedwera

Misonkho yosinthira imaperekedwa kwa wogula - wogula; wogulitsa alibe mlandu. Imadziwunika yokha, koma pogula mwachizolowezi simupereka chilichonse nokha: ngati kusamutsa kuli ndi chikalata cha notarial, monga momwe ziyenera kukhalira cha katundu wolembetsedwa, notari wa malamulo aboma amalemba pa digito ndikulipira m'malo mwanu. Chifukwa chake msonkho umawonekera pa chikalata chomaliza cha notarial: mumasamutsa ndalama zonse ku akaunti ya notarial ya chipani chachitatu musanamalize, ndipo notari amalipira msonkho, ndalama za Kadaster ndi ndalama zake kuchokera pamenepo. Pokhapokha ngati palibe chikalata cha notarial, wogula ayenera kupereka ndi kulipira yekha, mkati mwa mwezi umodzi atakhala mwini; chitsutso chikhoza kuperekedwa mkati mwa milungu isanu ndi umodzi mutalipira.

Zokhululukidwa ndi zopumula zomwe ndizofunikira pakuchita

Kugula katundu nthawi yomweyo pambuyo pa kugula kwake kwakale

Nkhani 13 imapereka mpumulo pamene katundu yemweyo wapezedwanso mkati mwa miyezi isanu ndi umodzi kuchokera pamene wina adatenga kale. Maziko a kugula kwachiwiri amachepetsedwa ndi ndalama zomwe msonkho wosamutsa, kapena VAT yosachotsedwa, unaperekedwa pa woyamba, kotero wogula wachiwiri amalipidwa msonkho pokhapokha ngati mtengo wake wakwera.

Izi zimapindulitsa wogula amene wagula kuchokera kwa munthu amene wagula posachedwapa, ndipo ndicho chimene chimapangitsa kuti kugulitsanso kwakanthawi kochepa ndi wogulitsa kapena wopanga nyumba kukhale kothandiza. Mpumulowu umakhudza malo ndi nthawi ya miyezi isanu ndi umodzi, osati kudziwika kwa wogulitsa, choncho funsani kuti wogulitsayo wagula liti.

Kusamutsa banja, kusudzulana ndi cholowa

Kugula nyumba ndi cholowa kapena pansi pa lamulo la katundu wa m'banja si msonkho wolipira msonkho, kotero palibe msonkho wosamutsa womwe umabwera mukalandira nyumba kapena katundu akagwera kwa inu kudzera mu banja; msonkho wa cholowa ungabwere m'malo mwake. Pa chisudzulo, kugawa kwa banja kapena katundu wogwiridwa pamodzi pakati pa okwatirana akale kumaphimbidwa ndi kuchotsedwa mu nkhani 15, kotero ngati nyumba ya banja imaperekedwa kwa mwamuna kapena mkazi m'modzi, palibe msonkho wosamutsa womwe umaperekedwa. Udindo wa okhala m'banja osakwatirana ndi wocheperako ndipo umayang'ana momwe umwini wogwirizana unayambira.

Kusamutsa pakati pa achibale, mosiyana ndi chikhulupiriro chofala, nthawi zambiri sikumachotsedwa . Kholo logulitsa kwa mwana limagwera pansi pa lamulo lachizolowezi: 2% ngati mwanayo adzakhala kumeneko, kapena palibe ngati akuyenerera kukhala woyamba. Kusamutsa kwa banja mu nkhani 15 cholinga chake ndi kusinthanitsa bizinesi, osati nyumba ya banja. Pamene nyumba yagulitsidwa kwa wachibale wotsika mtengo pamsika, msonkho wa mphatso ungabwerenso, ndipo msonkho wosamutsa ndi mtengo wamsika, osati mtengo womwe unavomerezedwa.

Nyumba yomangidwanso: VAT m'malo mwa msonkho wosamutsa

Nyumba yatsopano siilipitsidwa msonkho kawiri. Pamene katunduyo akuyenera kulipidwa VAT — mwambiri, nyumba yatsopano yoperekedwa isanafike kapena mkati mwa zaka ziwiri kuchokera pamene nyumbayo idakhazikitsidwa koyamba, ndi malo omanga — kuchotsedwa mu nkhani 15 sikukhudza msonkho wosamutsa, kotero wogula amalipira 21% VAT ndipo palibe 2% kapena 8%. Iyi ndi samenloopvrijstelling.

Ichi ndichifukwa chake new-build yatchulidwa vrij op naam : 21% ili mkati mwa mtengo wa wopanga nyumba osati pamwamba. Chikhululukiro sichigwira ntchito pamene wogula angathe kubweza VAT, kotero amalonda ndi makampani amafunika upangiri wosiyana. Ndipo malo omanga si nyumba: pomwe msonkho wosamutsa umagwira ntchito pa malo osati nyumba, mtengo wake ndi 10.4%.

Mtengo wa wogula wina

Ndalama zolipirira notari sizimakhazikitsidwa ndi lamulo ndipo zimasiyana malinga ndi maofesi ndi mizinda, choncho pezani ma quotation awiri kapena atatu. Ndalama zolipirira kulembetsa ku Kadaster zimakhala zokhazikika ndipo notari amalipiritsa pamtengo.

Kodi ndi chiyani chomwe chingachotsedwe ndalama ndi chiyani chomwe sichingachotsedwe ndalama

Mzere wogawa ndi wosavuta: ndalama zogulira nyumba sizichotsedwa, ndalama zokonzekera ngongole ndi izi. Malinga ndi nkhani 3.120 Wet inkomstenbelasting 2001, ndalama zolipirira ngongole ya nyumba yanu kamodzi kokha zimachotsedwa chaka chomwe chachitika - chikalata cha ngongole ya nyumba, kulembetsa kwake, mlangizi, kuwerengera mtengo wa ngongoleyo ndi ndalama za NHG. Misonkho yosamutsa, chikalata chosamutsa, kulembetsa kwake, wothandizira wanu wogula ndi kafukufuku sizibweretsa mpumulo.

Chitsimikizo cha Ngongole ya Dziko ( Nationale Hypotheek Garantie ) ndi chosankha ndipo chimapezeka mpaka ndalama zambiri zomwe munthu angabwereke. NHG imayika chiwongola dzanja cha kamodzi kokha ( borgtochtprovisie ), gawo laling'ono la ngongoleyo, ndi kuchuluka komweko, komwe kumakhala kokwera kwambiri pomwe njira zosungira mphamvu zimathandizidwa ndi ngongoleyo. Zonse ziwiri zimakhazikika pachaka ndipo zimafalitsidwa mu Voorwaarden en Normen, ndipo mtundu womwe ukugwira ntchito pamene ngongoleyo yaperekedwa umagwira ntchito, choncho onani ziwerengero za chaka chomwe mwapereka osati chaka chomwe mwamaliza. Obwereketsa nthawi zambiri amapereka chiwongola dzanja chotsika, kotero chitsimikizo nthawi zambiri chimalipira chokha.

Ndalama zolipirira Kadaster polembetsa chikalata zimakhazikitsidwa ndi Tarievenregeling Kadaster ndipo ndi chimodzimodzi pa chikalata chosamutsa ndi chikalata cha ngongole ya nyumba. Mitengo imayikidwa chaka chilichonse ndi Kadaster ndipo imafalitsidwa mu Staatscourant. Kutumiza pa intaneti munjira yomwe Kadaster ingathe kukonza yokha, yomwe ndi njira yachizolowezi yogulira nyumba mosavuta, ndi yotsika mtengo kuposa chikalata cha pepala. Funsani ndalama zomwe zilipo mu mtengo wake; notary amawapatsa mtengo wake.

Zomwe muyenera kuchita pa bajeti: ndondomeko yowonetsera

Ziwerengero zomwe zili pansipa ndi zongosonyeza chabe : ndondomeko yomangidwa kuchokera ku zigawo zomwe zili pamwambapa, osati mtengo woperekedwa. Chinthu cha msonkho chokha ndicho chimakhazikitsidwa ndi lamulo.

• Wogula nyumba koyamba woyenera, nyumba ili pansi pa malire: pafupifupi 1.5% kuti 3.5% — palibe msonkho wosamutsa, kotero ndalama za notarial ndi Kadaster, ndalama zothandizira ndi wothandizira aliyense kapena kafukufuku amene mungasankhe.
• Mwiniwake akulipira 2%: pafupifupi 4% kuti 6%Lamulo la "pafupifupi 5% pamwamba" likugwirizana ndi nkhaniyi, ndipo ndi nkhaniyi yokha.
• Wogula amene sadzakhala, akulipira 8%: pafupifupi 10% kuti 12% — yotsika kuposa kugula komweko isanafike 2026, pomwe mtengo wake unali 10.4%.
• Malo omwe si okhala pa 10.4%: pafupifupi 12% kuti 14%, nthawi zambiri, chifukwa kufufuza koyenera kumakhala kovuta.
• Kumanga kwatsopano, vrij op naam: 21% VAT ili kale mu mtengo, kotero konzekerani ndalama zokhudzana ndi ngongole ya nyumba yokha.

Ngati mukugwira ntchito yogula yokha osati mtengo wake wokha, kalozera wathu wogulira nyumba ku Netherlands umafotokoza za pangano, nthawi yoziziritsa komanso momwe zinthu zilili.

Chenjezo ziwiri: Obwereketsa aku Dutch nthawi zambiri salipira ndalama za wogula, chifukwa ngongoleyo imayikidwa malinga ndi mtengo wa katunduyo, kotero kosten koper nthawi zambiri imachokera ku ndalama zomwe zasungidwa. Ndipo ngati mugula limodzi ndi munthu amene sali woyenera kukhala woyamba, perekani msonkho pa gawo lililonse padera.