Ke ʻimi mau nei nā kānaka a pau i nā ala e mālama ai i kahi hapa o kā lākou ʻauhau loaʻa.
Makemake lākou e hopu i kekahi manawa e hiki mai ana i ke ala e kōkua ai iā lākou e mālama i ka ʻauhau kālā ma India.
Eia nō naʻe, ʻokoʻa nā ʻano hana i makemake ʻia e nā poʻe like ʻole. Inā he limahana uku ʻoe a he ʻoihana paha ʻoe, nui nā ala e mālama ai i ka ʻauhau kālā o India.
ʻO ke koi ʻana i nā ʻauhau ʻauhau he nui nā koho ma lalo o nā ʻāpana like ʻole, a kōkua ia iā ʻoe e hōʻemi i kāu loaʻa kālā ʻauhau.
Inā ʻo ʻoe kekahi o ka poʻe e hoʻāʻo nei e ʻimi i nā ala pehea e mālama ai i ka ʻauhau kālā ma India, ma lalo iho nei he 12 mau ala kūpono e hana ai -
1. Hoemi Auhau malalo o ka Pauku 80C
ʻO kekahi mau koho hoʻopukapuka e kōkua i ka mālama ʻana i nā ʻauhau. Ma lalo pauku 80C, nā ala nui e hiki ai iā ʻoe ke mālama i ka ʻauhau ma o:
- Hoʻopukapuka kālā i loko o Equity Linked Saving Schemes (ELSS) a mālama i Rs. 46,800 ma na auhau.
- Hoʻokomo i loko o nā waihona paʻa mālama ʻauhau me kahi manawa paʻa i 5 mau makahiki.
- Hoʻopukapuka kālā i loko o ka Public Provident Fund me kahi manawa paʻa o 15 mau makahiki (ka liʻiliʻi), hoʻonui hou ʻia e ʻelima mau makahiki inā pono.
- ʻAʻole ʻauhau ʻia ka hoʻokomo ʻana i loko o ka waihona kālā limahana inā hoʻihoʻi ʻia ma hope o ʻelima mau makahiki o ka lawelawe mau ʻana.
- Hoʻokomo kālā ma Pūnaehana Penihana Lahui ʻae i ka penikala ma hope o ka hoʻomaha ʻana i ka ʻāpana ʻike ʻole a me nā limahana hana o India.
2. Hoemi Auhau malalo o ka Pauku 80D
ʻAe ʻo Pauku 80D i nā unuhi ʻauhau no kahi limahana i uku ʻia e pili ana i nā lilo olakino/inikua.
ʻO kahi koi o Rs. ʻO 25,000 ka hoʻokuʻu ʻia i ka ʻinikua no ka mea ponoʻī, ka wahine, a me nā keiki (pili).
Loaʻa nā unuhi ʻauhau hou no nā mākua a hiki i Rs. He 25,000 ka nui o na makua ma lalo o 60 makahiki. Inā ʻoi aku ka nui o nā mākua ma mua o 60 mau makahiki, ʻo ka unuhi ʻana a hiki i Rs. 50,000
ʻO nā unuhi kiʻekiʻe loa he Rs. 1 lakh inā ʻoi aku ka makahiki o ka mea ʻauhau a me ko lāua mau mākua ma mua o 60 mau makahiki.
3. Hoemi Auhau Ma lalo o ka Pauku 80DD
ʻO ka pauku 80DD ka wehewehe ʻana i nā Hoʻokaʻawale Kino no ka hoahānau kīnā o ke kanaka. Ua uhi ʻia ma kēia ʻāpana nā hoʻolimalima a kekahi e hana ai no ka mālama ʻana, ka hoʻomaʻamaʻa ʻana, a me ka hoʻoponopono hou ʻana o kahi hoahānau pili kīnā.
ʻO ka unuhi paʻa o Rs. 75,000 inā ʻo ke kīnā ma waena o 40% a 80%. Ma kahi kīnā koʻikoʻi (ʻoi aku ma mua o 80%), ʻo ka hoʻemi paʻa ʻo Rs. 1,25,000.
4. Uku Hoolimalima Hale
ʻO HRA kahi ʻāpana o ka hana uku no ka hapa nui o nā limahana. Hoʻokuʻu ʻia ma lalo pauku 10 (13A) o ke Kanawai Auhau Loaa 1961.
Eia naʻe, ʻo ka huina i loaʻa ma ke ʻano he HRA he loaʻa ʻauhau piha inā noho ka limahana i kona hale ponoʻī a ʻaʻole uku hoʻolimalima. ʻO ka hoʻokuʻu ʻana i ka ʻauhau ma lalo o ka haʻawina hoʻolimalima hale ka liʻiliʻi o, penei:
- Loaʻa iā HRA i kēlā me kēia makahiki.
- ʻOi aku ka uku hoʻolimalima i uku ʻia i kēlā me kēia makahiki ma mua o 10% o ka uku kumu makahiki.
- ʻO 50% o ka uku no ka poʻe e noho ana ma nā kūlanakauhale metro, a me 40% no ka poʻe e noho ana ma nā kūlanakauhale ʻaʻole metro.
Aia kekahi mau hiʻohiʻona kūʻokoʻa ke makemake kekahi e koi i ka pōmaikaʻi ʻauhau ma o HRA e like me:
- Ka uku hoolimalima i na ohana/pili.
- He hale, akā noho hoʻolimalima ma kekahi kūlanakauhale ʻē aʻe.
5. Nā Pōmaika'i Auhau ma o ka hō'ai'ē home
Ke hoʻomau nei ke aupuni India i ka paipai ʻana i kona poʻe kamaʻāina e hoʻokomo i kahi hale a nona hoʻi. A hōʻaiʻē home ua kūpono i ka unuhi ʻauhau.
Eia nā unuhi nui ma waena o nā mea he nui ke hoʻolālā ʻoe e kūʻai a kūkulu paha i hale ma kahi hōʻaiʻē hale:
- Hiki iā ʻoe ke koi a hiki i Rs. 2 lakh mai kāu loaʻa ma ke ʻano he hoʻemi ʻauhau no ka EMI o ka uku ukupanee home. Hiki i kekahi ke koi i kēia ukupanee ke pau ke kūkulu ʻana i kou hale.
- Inā ʻaʻole ʻoe i neʻe i kāu waiwai akā ke uku nei ʻoe i nā EMI, hiki iā ʻoe ke koi i ka pōmaikaʻi ʻauhau ʻauhau ma mua o ke kūkulu ʻana. ʻO ka palena kiʻekiʻe e hoʻopaʻa ʻia i Rs. 2 lakh i ka makahiki.
- Hoʻemi ʻia ka nui mai ka uku kumu o ka hōʻaiʻē home. Hiki i kekahi ke koi iā Rs. 1.5 lakh ma lalo o kēia māhele ma ka max.
- ʻO ke koi ukupanee kiʻekiʻe o Rs. Hiki ke lawe ʻia ka 2 lakh ma lalo o kahi hōʻaiʻē home hui e kēlā me kēia pāʻina. No ka uku kumu, ka nui o Rs. Hiki ke koi ʻia ʻo 1.5 lakh i kā lākou hoʻihoʻi ʻauhau pākahi.
6. Haʻalele i ka haʻawina huakaʻi
He hoʻokuʻu ʻia ʻo LTA i nā papa uku i nā makahiki o kā lākou lawelawe ʻana a ma hope o ka hoʻomaha ʻana a i ʻole ka hoʻopau ʻana i nā lawelawe.
He haʻawina ia e loaʻa i ka limahana mai ko lākou haku hana ke hele i ka hoʻomaha. Loaʻa ka hoʻokuʻu ʻia ʻana o LTA no nā huakaʻi ʻelua i hana ʻia ma kahi poloka o ʻehā makahiki alemanaka.
ʻO nā lilo i uhi ʻia ʻo ia wale nō nā kumukūʻai huakaʻi nui, ʻo ia hoʻi, ka uku huakaʻi.
Aia kekahi mau kūlana e koi ai iā LTA:
- Pono e hele i kahi huakaʻi maoli no ka loaʻa ʻana o ka hoʻokuʻu.
- ʻO ka huakaʻi kūloko wale nō (ʻo ia hoʻi, i loko o India) i uhi ʻia ma lalo o kēia hoʻokuʻu.
Hiki i ka limahana ke loaʻa ka pōmaikaʻi no lākou iho a no lākou iho a me ko lākou ʻohana.
Aia i loko o ka ʻohana ka hoa kāne o ka limahana, nā keiki, a me nā mākua hilinaʻi a me nā kaikaina. ʻAʻole ʻoi aku ma mua o ʻelua mau keiki i hānau ʻia ma hope o 1 ʻOkakopa 1998 no ka hoʻokuʻu ʻia.
7. Nā pōmaikaʻi ʻauhau ma o nā lilo a me nā uku hou
Inā he kuleana ʻoe, ʻo ke ala maʻalahi loa e loaʻa ai nā pōmaikaʻi ʻauhau ma ka hōʻike ʻana i nā lilo no ka makahiki kālā.
Hiki i kekahi ke hōʻike i kekahi mau kumukūʻai. Hoʻopili kēia i nā uku uku no nā keiki, uku no ka mana hoʻomohala, kūʻai ʻana i nā mea waiwai, depreciation, etc.
No ka limahana i uku ʻia, hiki iā lākou ke loaʻa ka pōmaikaʻi like ma o ka uku hou ʻana.
ʻO ia ka uku a ka hui e uku ai i nā limahana no kā lākou mau lilo. Uku uku ʻO nā ʻano like ʻole: nā kumukūʻai petrol, ka uku o ke kaʻa, nā lilo i loaʻa i ka wā o kahi huakaʻi kūhelu, etc.
8. Ka uku kala
Hāʻawi ka mea hana i ka uku ma ke ʻano he pōmaikaʻi ʻaʻole i hoʻokomo ʻia i loko o ka uku o ka limahana.
Pono ka liʻiliʻi o 5 makahiki o ka lawelawe e loaʻa makana ma ka hoʻomaha, haʻalele, make, a i ʻole ke kīnā.
ʻO ka mea liʻiliʻi loa o kēia mau hana i hoʻokuʻu ʻia mai ka loaʻa kālā ʻauhau:
- ʻO ka uku hope loa i hoʻonui ʻia e ka helu o nā makahiki hana i hoʻonui ʻia e 15/26.
- 20 lakhs ma Gratuity.
9. Nā Pōmaika'i Auhau ma ka Palapala Ho'ona'auao a me ka Ho'ai'ē Ho'ona'auao
No ka ho'ēmiʻana i ka loaʻa kālā, hiki i ke kanaka ke hoʻohana i ka helu o pono ʻauhau i hāʻawi ʻia ma ka hoʻonaʻauao.
TUa hāʻawi ke aupuni i nā pōmaikaʻi ʻauhau ma nā haʻawina hoʻonaʻauao o nā keiki, nā uku hoʻonaʻauao, a me nā uku kula no ka hoʻolaha ʻana i ka helu heluhelu heluhelu o India.
- Hoʻokuʻu ʻia ka hoʻonaʻauao keiki ma Rs. 100 i kēlā me kēia mahina a hiki i ʻelua keiki. Hoʻohui ʻia, ʻo kā lākou hoʻolimalima hale hoʻokipa ma Rs. 300 i kēlā me kēia mahina a hiki i ʻelua keiki.
- Hiki i kekahi ke koi i ke kula a me ka uku kula no kekahi kula hoʻonaʻauao a hiki i Rs. 1.5 lakh.
10. Hoʻokuʻu ʻia ka ʻauhau ma o ka haʻawina a i ʻole ke aloha
malalo o pauku 80G, hiki i kekahi ke loaʻa nā pōmaikaʻi ʻauhau ma o ka hana ʻana i kekahi hana maikaʻi a me ka hāʻawi ʻana i kahi kumu.
ʻO kēlā me kēia hui India i hoʻolaha ʻia e ka ʻoihana ʻauhau no ka hoʻemi ʻana i ka ʻauhau ma lalo o kēia kānāwai. Hiki iā ʻoe ke koi a hiki i ka 100% hāʻawi inā hāʻawi ʻoe i nā papa inoa a me nā hui kikoʻī.
Inā hāʻawi kālā ʻoe, hiki iā ʻoe ke koi i ka nui o Rs. 2,000. Eia naʻe, inā hāʻawi ʻoe ma o nā kikoʻī, nā hoʻoili panakō, a i ʻole nā ʻano kikohoʻe, ʻaʻohe palena kiʻekiʻe loa o ka rebate.
11. E mālama i ke kālā ma kāu waihona kālā
ʻO ke ala maʻalahi loa e mālama i ka ʻauhau ma ka mālama ʻana i kekahi kālā i kāu waihona waihona.
ʻAʻole ʻauhau ka ukupanee a hiki i Rs. 10,000 i kāu waihona mālama kālā, e like me ka pauku 80TTA. No ka poʻe ʻelemakule, ʻo kēia palena ʻo Rs. 50,000.
12. Hoʻolālā Inikua Ola
Pono ke koho ʻana i kahi kulekele ʻinikua ola, me ka ʻole o ka hele ʻana mai me kahi ʻauhau ʻauhau.
Hiki i kekahi ke loaʻa i nā pono ʻauhau a hiki i Rs. ʻO 1.5 lakh i kēlā me kēia makahiki. ʻO ke kūʻai ʻana a i ʻole ka hoʻololi ʻana i ke kulekele ʻinikua ola e kūpono i nā pono ʻauhau a hiki i Rs. ʻO 1.5 lakh pū kekahi.
Nui nā ala e mālama ai i ka ʻauhau ma India.
Eia naʻe, ʻo nā helu, e like me ka mea i ʻōlelo ʻia ma luna nei, ʻo ia nā mea maʻalahi a kani.
Hiki iā ʻoe ke koho i kekahi mau koho ma kahi o hoʻokahi wale nō a hana i kahi kōpili o nā mea ʻē aʻe i ka hoʻokuʻu ʻauhau.
E hōʻoia i kēlā me kēia koho āu e koho ai e kūlike me kāu mau pahuhopu lōʻihi, nā pahuhopu kālā, a me nā pono waiwai.
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