Idan kuna daga cikin Hausawa da ke duban damar saka jari a gidaje na Phuket ko wasu biranen Thailand, akwai wani labari mai dadi da ya kamata ku sani yanzu. Gwamnatin Thailand ta yanke shawarar rage manyan kudade guda biyu da ake biya lokacin sayen gida: kudin canja wurin mallaka (transfer fee) da kudin rijistar lamuni (mortgage registration fee). Wannan ba ɗan sauƙi ba ne kawai, wani gagarumin taimako ne da zai iya adana muku dubban daloli, musamman idan kuna shirin siyan condo a Phuket ko wani babban birni na Thailand.
Amsa Takaitacciya: Kudin canja wurin mallaka ya ragu daga 2% zuwa 0.01% na darajar gidan da hukuma ta tantance, kuma kudin rijistar lamuni ya ragu daga 1% zuwa 0.01%. Wannan rangwamen yana aiki har zuwa 30 ga Yuni, 2027, kuma yana shafar gidaje masu farashi da darajar tantancewa har zuwa Baht miliyan 7. Akan gida mai darajar Baht miliyan 5, jimillar ajiyar kudi na iya kaiwa kusan Baht 149,500 (kimanin dala 4,200).
Menene Ainihi Ya Canza?
Ba sabon abu ba ne gaba ɗaya cewa Bangkok ke rage wadannan kudade lokaci-lokaci tun 2019, amma koyaushe akan sanya lokacin karewa da iyakar farashi. Abin da ya sa sigar 2026 ta zama abin lura shi ne tsawon lokacin da aka bata: Majalisar Zartarwa ta Thailand (Thai Cabinet) ta tsawaita tsarin rangwamen 0.01% har zuwa 30 ga Yuni, 2027. Wannan yana nufin masu saye na da lokaci mai tsawo don shirya kansu maimakon gaggawar yanke shawara cikin 'yan watanni kaɗan kamar yadda ake yi a baya.
Mafi mahimmanci ga masu saka jari na kasashen waje: masu saye da ba 'yan Thailand ba, wadanda ke sayen condominium a karkashin adadin mallakar kai tsaye (freehold quota), suna samun rangwame iri daya da 'yan kasar Thailand kansu. Babu bambanci a nan.
Wadanne Gidaje Ne Suka Cancanci Wannan Rangwame?
Don a amfana da wannan rangwamen, gidan da ake saye dole ne ya cika wadannan sharudda:
- Ya kasance gida mai zaman kansa (detached house), townhouse, condominium unit, ko fili tare da gini
- Farashin siye da darajar tantancewa dukkansu ba za su wuce Baht miliyan 7 ba
- Mortgage din ma ba zai wuce Baht miliyan 7 a kowane kwantiragi ba
- Ana keɓance sayar da rabin mallaka (partial ownership interests) daga wannan rangwamen
Nawa Ne Ainihi Za Ku Adana?
Bari mu yi lissafi mai sauki. Idan kun sayi unit mai darajar Baht miliyan 5:
- Ajiyar kudin canja wurin mallaka: kusan Baht 99,500 (bambancin 2% zuwa 0.01%)
- Ajiyar kudin rijistar lamuni: kusan Baht 49,950 (bambancin 1% zuwa 0.01%)
- Jimillar ajiya: kusan Baht 149,500 (kimanin dala 4,200)
A kan condo mai girma, misali darajar Baht miliyan 10, jimillar ajiyar na iya kaiwa kusan Baht 300,000. Wannan kudin da za ku adana zai iya zama kamar wani karin kaso na riba (return) da gwamnati ke ba ku kyauta, ba don kuna aiki da shi ba.
Me Ya Sa Gwamnatin Thailand Ta Yi Wannan?
Ministocin Kudi na Thailand (Ministry of Finance) sun kiyasta cewa wannan tsarin da aka tsawaita zai taimaka wajen kara harkokin gidaje na kimanin Baht biliyan 540 a shekara, kuma zai jawo hankalin karin saka hannun jari na kimanin Baht biliyan 305 a wannan bangaren. A takaice dai, gwamnati na so ta ci gaba da jan hankalin masu saka jari, na cikin gida da na kasashen waje, don su ci gaba da saka kudi a bangaren gidaje.
Dangane da bayanan masana'antu, masu saye 'yan kasashen waje na ci gaba da zama babban karfi a kasuwar condo: sayayyar condo ta kasashen waje ta kasance kusan unit 14,500 a kowace shekara tsakanin 2024 zuwa 2025, kuma kawai a kwata na farko na 2025, an sayi kusan unit 3,919. Bangkok, Chonburi, da Phuket sun kasance manyan wuraren da wannan bukata ke tsayawa.
Ina Ne Wannan Rangwamen Zai Fi Amfana?
Phuket, Pattaya, da Samui su ne wuraren da masu saye 'yan kasashen waje ke da mafi girman kaso na sayayyar condominium. Wannan yana nufin tasirin wannan rangwamen na kudi zai fi jin dadinsa a wadannan wurare, musamman ga Hausawa da suke duban Phuket a matsayin madogara ta farko don saka jari a gidaje na Thailand.
Duk da haka, ya kamata a fahimci cewa mallakar kai tsaye ta filaye da gidaje ga baki na kasashen waje na da tsauraran ka'idoji a Thailand. Mallakar kai tsaye (freehold) tana kebe ne kawai ga condominium units, kuma har wannan yana da iyaka: adadin 49% na foreign quota a kowane aikin gine-gine. Idan ana son mallakar fili ko gida, ana amfani da hanyoyin haya na dogon lokaci (leasehold) ko tsarin kamfani (company structure).
Wadanne Kudade Ba Su Canza Ba?
Da yawan mutane suna tunanin wannan rangwamen zai kawar da duk wani kudi, amma ba haka lamarin yake ba. Kudade masu zuwa ba a shafe su ba:
- Specific business tax (3.3%): Ana biyan wannan idan an sake sayar da gidan cikin shekaru biyar na farko na mallaka
- Withholding tax: Ana lissafa shi bisa ma'auni mai hawa (progressive scale)
- Stamp duty (0.5%): A wasu lokutan ana biyan wannan maimakon specific business tax, ba tare da wannan ba
- Kudade na lauya da bincike na doka (due diligence) ba su cikin wannan rangwame
Yaya Ake Tabbatarwa Cewa Rangwamen Har Yanzu Yana Aiki?
Department of Lands na Thailand shi ne kadai hukuma da ke rijistar canjin mallaka a Thailand, kuma su ke buga sabbin bayanan wannan tsarin. Za a iya tabbatar da matsayin yanzu ta hanyar tuntubar Land Office na gida inda za a yi rijistar.
Kammalawa: Shin Yanzu Ne Lokaci Mai Kyau?
Rangwamen da ke da tsawon shekaru amma mai iyakacin karshe yana ba masu saka jari isasshen sarari don shirya siyan gida yadda ya kamata, maimakon gaggawa ba tare da bincike ba. Ga duk wanda ya riga ya samo gidan da ya so kuma ya kammala bincikensa (due diligence), wannan lokacin, wanda zai kai har tsakiyar 2027, lokaci ne mai kyau don ci gaba.
Ajiyar Baht 150,000 zuwa 300,000 tana aiki kamar karin kaso na riba da gwamnati ke bayarwa kyauta ga masu saye. Duk da haka, wannan shawarar manufofin gwamnati ce (policy decision) da za a iya canzawa a nan gaba, don haka tabbatar da yarjejeniyar tanadi tun da wuri ya fi zama hanya mafi aminci.
A Kadarorin Thailand, muna taimaka wa Hausawa da yawa su fahimci wadannan dokoki da rangwame kafin su saka kudinsu a Phuket ko wasu birane na Thailand.
Tushen labari: The Nation Thailand
Akwai shirin saka jari a Thailand? Kwararrunmu za su taimaka muku samun kadara da ta dace da bukatunku.