Mafarin Amsa: Menene Mafi Muhimmanci a Nan?
Majallisar Kuɗaɗe ta Thailand (Treasury Department) na sake tsara hanyar da take amfani da ita wajen kimar ƙasa a hukumance. Manufar ita ce a rufe giɓi mai tsanani tsakanin farashin hukuma da farashin kasuwa na gaskiya. Ga mai saka jari daga ƙasar Hausa, wannan yana nufin: zai iya samun karin harajin canja mallaka, harajin shekara na gidaje zai ƙaru, amma a lokaci guda, kasuwa za ta zama mai gaskiya da kuma daidaituwa fiye da kowane lokaci.
Giɓin tsakanin farashi na hukuma da na kasuwa ya kai tsakanin 40% zuwa 300% a wurare daban-daban. Misali, a yankin Phuket na Bang Tao da Laguna, kimar hukuma ya rage na kasuwa da sau biyu zuwa biyu da rabi. A garin Bangkok na Sukhumvit, ƙasar da take kasuwa da 1.2 zuwa 2.0 miliyan THB a kowace murabba'in wah, hukuma na lissafa ta da 600,000 zuwa 800,000 THB kawai. Wannan tazarar ita ce take canzawa yanzu.
Me Ya Jawo Wannan Garambawul - Kuma Me Yasa Yanzu?
Thailand ta tabbatar da cewa kasuwar gidajenta ta balaga. Lokacin da farashin hukuma ke da nisa sosai da na kasuwa, yana buɗewa kofa ga yaudara ta haraji da kuma rikitar da ainihin darajan kadarori. Bugu da ƙari, gwamnati a yanzu tana ƙarƙashin matsin lamba wajen yakar 'nominee structures' - wato kamfanoni masu sunan dan ƙasar da bako ke amfani da su don mallakar ƙasa a boye. Yayin da dubban kamfanoni a Phuket, Krabi, Phang Nga, Bangkok, da Chiang Mai ke karkashin bincike, ainihin kimar ƙasa da ke rubuce ta hukuma ta zama muhimmiyar takarda a kowane bincike na doka.
Garambawul biyu nan - sake kimanta ƙasa da kuma yakar mallakar ƙasa ta boye - ba su da alaƙa ta hukuma, amma suna tafiya tare. Hakan yana ƙarfafa matsayin mai saka jari da ke bin doka - wanda ke mallakar condominium da cikakken hakki (freehold), ko wanda ke da leasehold ta hanyar da ta dace.
Bayanai Masu Muhimmanci da Ake Bukata
Ka kiyaye waɗannan adadi a zuciyarka:
- Duk larduna 77 na Thailand za a shafa, amma mafi tsananin tasiri zai faru a Phuket, Pattaya, Koh Samui, da tsakiyar Bangkok
- Kimar hukuma ta ƙasa ana sabunta ta sau ɗaya a kowace shekara huɗu. Zagaye na ƙarshe ya ƙare 2023; na gaba an tsara shi ne don 2027. Garambawul na yanzu yana shirya hanya domin wannan zagaye
- Harajin Ƙasa da Gini (Land and Building Tax) ana lissafa shi bisa kimar hukuma. Adadin yana farawa daga 0.01% a gidaje na zama, har zuwa 0.7% a ƙasar da ba a gina ba. Idan kimar hukuma ta tashi, harajin shekara zai tashi makamancin haka
- Kuɗin canja mallaka lokacin saya shine 2% na wacce ta fi tsakanin kimar hukuma da farashin kasuwar - idan kimar hukuma ta kusa da farashin kasuwa, za a biya kari
- Masu condominium na iya fuskantar ƙarin harajin kashi 5% zuwa 15% na farashin ma'amala bisa lissafin yanzu
- Masu leasehold: kuɗin rajista ya kai 1.1% na jimillar hayan shekaru 30. Idan manhajar ƙima ta haɓaka, kuɗin rajista zai ƙaru ma
- Har ila yau, mafi girman tasiri zai faru a: Phuket (gabar yamma), Pattaya (Jomtien da Pratumnak), Koh Samui (Chaweng da Bophut), da yankunan Sukhumvit, Silom, Sathorn na Bangkok
- Larduna marasa ci gaba - musamman yankin Isan - za su ga ƙarancin canjin
Ta Yaya Wannan Zai Shafi Riba ta Hayar Gida?
Idan kana ɗaukar gida a Thailand a matsayin saka jari da zaka yi hayar, garambawul ɗin zai rage riba ta shekara kadan. Ana hasashen cewa harajin shekara zai ƙaru ta hanyar da zai rage riba ta gida da kashi 0.1 zuwa 0.3 a cikin ɗari. A kan riba ta yau da kullum na 5% zuwa 7% a shekara ga gidaje a wurare masu ɗaukaka, wannan yana da nauyi amma ba ya kashe kasuwancin. Sai dai dole ne a listafo shi tun farko wajen lissafin riba.
Bayanin muhimmanci: garambawul ɗin baya shafar yadda ake kimar gine-gine. Ana lissafa gine-gine ta hanya ta daban bisa ka'idar ɓarkewar darajar - wannan garambawul yana ƙasa kawai.
Tambayoyin da Hausa Mai Saka Jari Yakan Yi
Yaushe sabon kima zai fara aiki?
Babu kwanan wata da aka tabbatar. Hukumar Kuɗaɗe na kammala tsarin aiwatar a duk 2026, tare da sabon kima da ake sa ran za a yi amfani da shi a zagaye na 2027. Ana yiwuwar a yi canje-canje a wasu larduna musamman kafin wannan ranar.
Shin ya kamata in yi gaggawa in saya kafin 2027?
Ya dogara da nau'in kadarori da wurin da take. Idan kana neman siyan ƙasa ta kamfani na Thailand ko kuma leasehold a Phuket, kammaluwa kafin 2027 yana rufe kuɗin canja mallaka a yawan kima na yanzu. Ga condominium na freehold, tasirin kudi a gajeren lokaci bai yi kama ba, amma har yanzu ya cancanci shigar sa a cikin lissafin dogon zango.
Shin bako zai biya harajin kari fiye da ɗan ƙasar Thailand?
A'a. Hukumar bata keɓe ɓarnamar harajin ga 'yan ƙasashen waje. Baƙo da ɗan ƙasa duk suna biya adadin harajin iri ɗaya. Garambawul ɗin ba ya kawo wata ƙarin loda ta musamman ga 'yan waje. Duk wanda darajarsa ta hukuma ta tashi - ya kasance ɗan ƙasa ko bako - zai ga harajinsa ya ƙaru gwargwadon hakan.
Ina zan iya duba kimar hukuma ta wani fili?
Bayanai na hukuma ana samun su a shafin yanar gizon treasury.go.th, kuma ana neman su ta lambar takarda ta ƙasa (chanote). Ofishin Land Department na lardin kuma zai iya bayar da wannan bayani idan ka nemi shi kai tsaye.
Shin ana iya ƙalubalantar sabon kima idan ya yi yawa?
Ee. Da zarar an wallafa sabbin ƙimomi, masu gida suna da kwanaki 60 don shigar da ƙara ga Hukumar Kuɗaɗe. Nasarar irin waɗannan ƙararraki ba ta zama ruwan dare, amma ta yiwu - musamman idan ka zo da kimantawar mai zaman kansa wanda aka ba shi lasisin aiki a Thailand.
Yadda Duk Wannan Yake Kyautata Halin Mai Saka Jari Na Halal
Garambawul ɗin yana kawo fa'ida a gefe ɗaya da kuma ƙara kashi a ɗaya. Ta ɓangaren faida: idan kima ta hukuma ta kusanci na kasuwa, duk wanda ke mallakar kadaro ta hanya ta halal - condominium, leasehold ta dace, ko superficies - zai sami tabbacin ƙima da aka amince da shi a fili. Wannan yana rage adawar da ke tasowa yayin siye da sayarwa, yana sauƙaƙe samun bashi ko cajin inshorar, kuma yana ƙarfafa matsayin doka idan an gudanar da bincike.
Din ƙarin fitowa: mai son saka jari da ya dogara ga tsarin na gaskiya - wato wanda Kadarorin Thailand ke jagoransa zuwa gare shi - zai iya yin amfani da tsawon lokacin kafin 2027 don yanke shawara mai basira bisa bayanan gaskiya.
Taƙaitawar Manyan Adadi a Tebur
| Yanki | Giɓi na Yanzu (Hukuma vs Kasuwa) | Mafi Girman Tasiri |
|---|---|---|
| Sukhumvit, Bangkok | Hukuma: 600,000-800,000 THB/wah; Kasuwa: 1.2-2.0m THB/wah | Matsakaici zuwa Ɗaukaka |
| Bang Tao / Laguna, Phuket | Kimar hukuma tana ƙasa da sau 2 zuwa 2.5 | Ɗaukaka |
| Jomtien / Pratumnak, Pattaya | Babban giɓi | Ɗaukaka |
| Chaweng / Bophut, Koh Samui | Babban giɓi | Ɗaukaka |
| Yankin Isan (arewa-maso-gabas) | Ƙaramin giɓi | Ƙarami |
Tushe: Bangkok Post