diff --git a/app/services/bulk_upload/sales/year2022/row_parser.rb b/app/services/bulk_upload/sales/year2022/row_parser.rb
index d1f31ecd7..4fba0d53a 100644
--- a/app/services/bulk_upload/sales/year2022/row_parser.rb
+++ b/app/services/bulk_upload/sales/year2022/row_parser.rb
@@ -592,8 +592,8 @@ private
     attributes["deposit"] = deposit
     attributes["cashdis"] = field_73
     attributes["mrent"] = field_74
-    attributes["has_mscharge"] = mscharge.present? ? 1 : 0
-    attributes["mscharge"] = mscharge
+    attributes["mscharge"] = mscharge if mscharge&.positive?
+    attributes["has_mscharge"] = attributes["mscharge"].present? ? 1 : 0
     attributes["grant"] = field_78
     attributes["discount"] = field_79
 
diff --git a/app/services/bulk_upload/sales/year2023/row_parser.rb b/app/services/bulk_upload/sales/year2023/row_parser.rb
index 741536f61..cb65fa94c 100644
--- a/app/services/bulk_upload/sales/year2023/row_parser.rb
+++ b/app/services/bulk_upload/sales/year2023/row_parser.rb
@@ -803,8 +803,8 @@ private
 
     attributes["cashdis"] = field_112
     attributes["mrent"] = field_113
-    attributes["has_mscharge"] = mscharge.present? ? 1 : 0
-    attributes["mscharge"] = mscharge
+    attributes["mscharge"] = mscharge if mscharge&.positive?
+    attributes["has_mscharge"] = attributes["mscharge"].present? ? 1 : 0
     attributes["grant"] = field_117
     attributes["discount"] = field_118
 
diff --git a/spec/services/bulk_upload/sales/year2022/row_parser_spec.rb b/spec/services/bulk_upload/sales/year2022/row_parser_spec.rb
index 1fc85ebb5..8ff75852e 100644
--- a/spec/services/bulk_upload/sales/year2022/row_parser_spec.rb
+++ b/spec/services/bulk_upload/sales/year2022/row_parser_spec.rb
@@ -646,5 +646,35 @@ RSpec.describe BulkUpload::Sales::Year2022::RowParser do
         expect(log["wheel"]).to eq(1)
       end
     end
+
+    context "when mscharge is given, but is set to 0 for shared ownership" do
+      let(:attributes) { valid_attributes.merge(field_75: "0") }
+
+      it "does not override variables correctly" do
+        log = parser.log
+        expect(log["has_mscharge"]).to eq(0) # no
+        expect(log["mscharge"]).to be_nil
+      end
+    end
+
+    context "when mscharge is given, but is set to 0 for discounted ownership" do
+      let(:attributes) { valid_attributes.merge(field_113: "2", field_76: "8", field_83: "0") }
+
+      it "does not override variables correctly" do
+        log = parser.log
+        expect(log["has_mscharge"]).to eq(0) # no
+        expect(log["mscharge"]).to be_nil
+      end
+    end
+
+    context "when mscharge is given, but is set to 0 for outright sale" do
+      let(:attributes) { valid_attributes.merge(field_113: "3", field_91: "0") }
+
+      it "does not override variables correctly" do
+        log = parser.log
+        expect(log["has_mscharge"]).to eq(0) # no
+        expect(log["mscharge"]).to be_nil
+      end
+    end
   end
 end
diff --git a/spec/services/bulk_upload/sales/year2023/row_parser_spec.rb b/spec/services/bulk_upload/sales/year2023/row_parser_spec.rb
index ecbd457fb..d49d78f4d 100644
--- a/spec/services/bulk_upload/sales/year2023/row_parser_spec.rb
+++ b/spec/services/bulk_upload/sales/year2023/row_parser_spec.rb
@@ -852,5 +852,35 @@ RSpec.describe BulkUpload::Sales::Year2023::RowParser do
         expect(parser.log.proplen).to be_nil
       end
     end
+
+    context "when mscharge is given, but is set to 0 for shared ownership" do
+      let(:attributes) { valid_attributes.merge(field_114: "0") }
+
+      it "does not override variables correctly" do
+        log = parser.log
+        expect(log["has_mscharge"]).to eq(0) # no
+        expect(log["mscharge"]).to be_nil
+      end
+    end
+
+    context "when mscharge is given, but is set to 0 for discounted ownership" do
+      let(:attributes) { valid_attributes.merge(field_7: "2", field_126: "0") }
+
+      it "does not override variables correctly" do
+        log = parser.log
+        expect(log["has_mscharge"]).to eq(0) # no
+        expect(log["mscharge"]).to be_nil
+      end
+    end
+
+    context "when mscharge is given, but is set to 0 for outright sale" do
+      let(:attributes) { valid_attributes.merge(field_7: "3", field_135: "0") }
+
+      it "does not override variables correctly" do
+        log = parser.log
+        expect(log["has_mscharge"]).to eq(0) # no
+        expect(log["mscharge"]).to be_nil
+      end
+    end
   end
 end