diff --git a/app/services/bulk_upload/sales/year2022/row_parser.rb b/app/services/bulk_upload/sales/year2022/row_parser.rb
index c55500eb9..d08e37ba8 100644
--- a/app/services/bulk_upload/sales/year2022/row_parser.rb
+++ b/app/services/bulk_upload/sales/year2022/row_parser.rb
@@ -591,8 +591,8 @@ 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/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