Idan kana daya daga cikin Hausawa da suke duban damar saka jari a wajen kasa, musamman a Phuket ko Bangkok, akwai labari mai dadi da ya kamata ka sani: Gwamnatin Thailand ta sake kara wa'adin rangwamen harajin gidaje har zuwa karshen 2027. Wannan ba wai kawai wani tsari ne na yau da kullum ba - alama ce ta cewa kasar tana son ci gaba da jan hankalin masu zuba jari daga waje, ta hanyar rage kudaden mu'amala, rage kudin rajistar jinginar gida, da sauwake sharuddan bashi.
Bankin Kasa na Thailand (Bank of Thailand) shi ma ya dauki mataki daya, inda ya kara wa'adin dokokinsa na Loan-to-Value (LTV) da aka sauwake har zuwa 30 ga Yuni, 2027. Wannan yana nuna cewa gwamnati da babban banki suna tafiya tare wajen tabbatar da bukatar gidaje ba ta fadi ba, musamman a lokacin da ci gaban tattalin arzikin yankin ke tafiya sannu a hankali kuma amincewar masu siye a gida ke raguwa.
Amsa Cikin Takaice
- Tsawon lokacin rangwamen: An kara har zuwa karshen 2027 (a baya an shirya ya kare a 2026)
- Rage kudin canja mallaka: Daga 2% zuwa 0.01% kan gidajen zama masu farashin har zuwa THB miliyan 7
- Rage kudin rajistar jinginar gida: Daga 1% zuwa 0.01% ga gidaje a wannan kason farashi
- Sauwake dokokin LTV: Bank of Thailand ya kara wa'adin sauwakewar sharuddan LTV har zuwa 30 ga Yuni, 2027, wanda ke sauwaka samun jinginar gida da rage kudin gaba (down payment)
- Amfani kai tsaye ga masu siye daga waje: Rage kudaden mu'amala kan sayen condominium na freehold a cikin kason farashin da aka amince
- Manufar gwamnati: Ci gaba da tabbatar da bukatar gidaje daga masu siye na gaske da kuma kula da yadda kudi ke gudana a kasuwar farko
Muhimman Bayanai Da Ya Kamata Ka Sani
- Karo na uku a jere: Wannan shi ne karo na uku da aka kara wannan tsarin tallafi tun bayan an fara shi bayan annobar COVID-19 a shekarar 2020
- Iyakar farashi: Rangwamen harajin yana aiki ne kawai kan gidajen da farashinsu bai wuce THB miliyan 7 ba (kimanin dala 195,000 a farashin canjin kudi na yanzu)
- Misalin adana kudi a THB miliyan 5: Wanda ya saye gida a farashin THB miliyan 5 zai ajiye kimanin THB 150,000 (kimanin dala 4,200) idan aka kwatanta da kudaden da za a biya a matsayin na yau da kullum
- Girman kasuwar jinginar gida: A cewar Bank of Thailand, jimlar bashin jinginar gida a shekarar 2025 ya kai kimanin THB biliyan 680, wanda ke kasa da kason da aka samu a 2023 da kusan 4%
- Ci gaban farashi a Bangkok: Matsakaicin farashi kan kowace murabba'in mita a Bangkok ya karu da 3.2% a shekara zuwa farkon 2026; Phuket ta samu ci gaba tsakanin 5-7% a wannan lokacin
- Kason mallakar bakin haure bai canza ba: Har yanzu, iyakar mallakar condominium ga bakin haure ya tsaya kan 49%; rangwamen ya rage kudi ne kawai, ba ya canza dokokin mallaka
- Tsananta bin doka: Thailand ta dauki mataki mai tsanani kan tsare-tsaren mallakar filaye ta hanyar 'nominee' (wato amfani da wani mutum a matsayin mai mallaka na zahiri), inda aka gurfanar da fiye da kamfanoni 850 tun farkon 2026, kuma an kiyasta gwamnati ta yi asarar sama da THB biliyan 15. Wannan yana nuna cewa siyan condominium a matsayin freehold shi ne hanya mafi aminci a shari'a ga bakin haure
- Gasa a yankin: Vietnam da Malaysia suma suna gudanar da nasu tsare-tsaren tallafi, amma Thailand tana ci gaba da rike matsayinta ta hanyar bayyanar dokoki da ingantacciyar ababen more rayuwa
Tambayoyi Masu Yawan Aiko (FAQ)
Menene ainihin abin da aka kara har zuwa 2027?
An rage manyan kudade guda biyu zuwa 0.01% kacal: kudin canja mallakar gida (wanda a al'ada yake 2%) da kudin rajistar jinginar gida (wanda a al'ada yake 1%). Dukansu suna aiki ne kan gidajen zama masu farashin har zuwa THB miliyan 7. Bank of Thailand ma ya kara wa'adin sauwakewar dokokin LTV har zuwa 30 ga Yuni, 2027, wanda ke sauwaka samun jinginar gida da rage kudin gaba.
Shin Bahaushe ko wani bako zai iya cin gajiyar wannan rangwamen?
Hakika, eh. Idan kana sayen condominium a matsayin freehold, kana biyan kudin canja mallaka daidai da yadda dan Thailand zai biya. Kason 0.01% yana aiki kai tsaye muddin farashin gidan bai wuce THB miliyan 7 ba. Ba a bukatar wani karin mataki don a ba ka wannan rangwamen.
Wadanne irin gidaje ne suka cancanci wannan tallafin?
Condominium, townhouse, da gidajen zama guda daya duk sun cancanta. Amma, bakin haure na iya mallakar freehold a kan condominium kawai. Villa da gidaje ana samun su ne ta hanyar hayar dogon lokaci (30+30+30 shekaru) ko ta hanyar kamfani da aka yi wa rajista a Thailand, ko da yake wannan hanyar ta karshe tana da hadarin shari'a saboda tsananin bin doka da Thailand ke yi kan tsare-tsaren nominee.
Nawa zan iya adanawa a zahiri?
A farashin THB miliyan 5, jimlar adanawa kan kudin canja mallaka da na rajistar jinginar gida, idan aka kwatanta da kudin yau da kullum, ya kai kimanin THB 150,000 (kimanin dala 4,200). A iyakar farashin da aka amince wato THB miliyan 7, adanawar ta kai kimanin THB 210,000.
Ta yaya wannan zai shafi lissafin ribar hayar gida?
Rage kudin shiga kasuwa yana kara ribar da za ka samu kai tsaye. Idan mai zuba jari ya ajiye THB 150,000 kan kudade lokacin sayen studio a farashin THB miliyan 5, kuma gidan yana samar da ribar haya na 5-6% a shekara, ranar da za ka fara samun riba mai kyau za ta gaggauta zuwa gaba da kimanin watanni 6-8.
Shin za a sake kara wa'adin bayan 2027?
Akwai tsari mai kwanciyar hankali a nan - an riga an kara wannan tsarin sau uku tun 2020. Gwamnatoci sukan kara irin wannan tallafin idan rashin tabbas na tattalin arziki ya ci gaba. Amma, kada ka dauka cewa za a kara shi a matsayin abu tabbatacce. Idan yanayin tattalin arziki ya daidaita, akwai yiwuwar kudaden su koma yadda suke a baya. Mafi kyawun dabara ita ce ka kammala mu'amalarka yanzu, tun da tallafin har yanzu yana aiki.
Wadanne wurare a Thailand suka fi dacewa da saka jari a yanzu?
A Bangkok: yankin Sukhumvit (tashoshin BTS daga Asok zuwa Ekkamai) da unguwar Rama 9. A Phuket: Bang Tao da Laguna, inda masu siye daga kasashen waje suka fi yawa, kuma farashi ya karu da 5-7% a shekara. A Pattaya: Pratamnak da Wong Amat. A Koh Samui: gabar arewa kusa da Bophut da Maenam. Dukkan wadannan wurare suna da bukatar haya mai karko tare da damar karuwar darajar gida.
Ta yaya biza ta LTR take da alaka da wadannan rangwame?
Bizar LTR (Long-Term Resident) ta Thailand tana aiki ne daban da tsarin tallafin gidaje, kuma ba a bukatar ka sayi gida don ka samu ta. Amma, idan ka hada rage kudaden mu'amala tare da kason harajin kudin shiga na LTR wanda aka daidaita zuwa 17% kacal, za ka samu daya daga cikin mafi araha hanyoyin shiga kasuwar Kudu maso Gabashin Asiya, musamman ga masu jarin gaske da ma'aikata masu aiki daga nesa.
Akwai hadarin a soke wannan tallafin kafin lokaci?
A ka'idar, eh - gwamnati na iya sake dubawa kan kowace manufa a kowane lokaci. Amma a zahiri, cikin shekaru shida da ake gudanar da wannan tsarin, ba a taba soke shi kafin lokaci ba. Hadarin da ya fi dacewa ka kula da shi ba wai a soke tallafin ba, sai dai karuwar farashin gidaje a lokacin da tallafin ke aiki, domin rage kudin shiga kasuwa yana kara jan hankalin masu siye, wanda kuma ke tura farashi sama.
Shin dole ne in kasance a Thailand don in kammala siyan gida?
Ana ba da shawarar ka je ka duba wurin da kanka kafin ka kammala yarjejeniya, amma za a iya kammala mu'amalar ta hanyar wakilci (power of attorney). Yawancin masu zuba jari suna zuwa tafiya ta gajeren lokaci, su duba gidaje biyu ko uku da suka zaba, sannan su kammala siyan daga nesa bayan sun tabbatar da duk bincike.
Tushen: Bangkok Post
Kara wa'adin rangwamen harajin gidaje na Thailand zuwa 2027 ba wata hanya ce ta karimci ba - dabara ce mai kyau ta gwamnati. Kasuwar tana bukatar masu siye, kuma masu siye suna bukatar sauki wajen shiga kasuwar. Ga wanda yake shirin zuba jari a Thailand, wannan lokaci ne mai kusan cikakkiyar dama: kudaden mu'amala sun kai matsayin mafi karanci a tarihi, farashin gidaje bai riga ya nuna cikakken ci gabansa ba, kuma tsarin doka na mallakar condominium ta hanyar freehold ga bakin haure yana da kwanciyar hankali kuma an gwada shi na dogon lokaci.
Kana shirin zuba jari a Thailand? Kwararrun Kadarorin Thailand za su taimake ka ka sami gidan da ya dace da bukatarka.