Ndalama zogulira nyumba kuti mupewe
Mutha kuchotsa chiwongola dzanja pa ndalama zomwe mudabwereka kuti mugule kapena kukonza malo anu obwereketsa. Ngati muli ndi chiwongola dzanja chokhudzana ndi nthawi yomanga kapena kukonzanso, pitani ku Ma Cost Soft Costs.
Mutha kuchotseranso chiwongola dzanja chilichonse chomwe mwalipira kwa obwereketsa pamadipoziti obwereketsa. Ngati mukufuna chiwongola dzanja ngati ndalama zobwereketsa pa Fomu T776, musaphatikize ngati ndalama zoyendera pa Fomu 5000-D1, Federal Worksheet (kwa aliyense kupatula osakhala nzika).
Musamachotse zonse m’chakacho ndalama zonse zolipirira chiwongola dzanja kapena ndalama zolipiridwa kuti muchepetse chiwongoladzanja cha ngongole yanyumba. Perekani ndalamazi pa nthawi yotsala ya kubwereketsa nyumba kapena ngongole. Zilango kapena mabonasi omwe amaperekedwa ku bungwe lazachuma kuti athe kubweza ngongole yanyumba isanakhwime amawerengedwanso.
Mwachitsanzo, ngati nthawi yobwereketsa kapena kubwereketsa nyumba ndi zaka zisanu, ndipo m’chaka chachitatu mumalipira ndalama kuti muchepetse chiwongoladzanja, chindanicho ndi ndalama zolipiriratu ndipo muzichotsa pa nthawi yotsala ya ngongoleyo. .
Ngongole ndi 50% ya malipiro onse
Mukalipira ngongole yanyumba, malipirowo amapangidwa ndi chiwongoladzanja chonse osati chachikulu pazaka zingapo zoyambirira. Ngakhale pambuyo pake, chiwongola dzanjacho chingakhalebe gawo lalikulu lamalipiro anu. Komabe, mutha kuchotsera chiwongola dzanja chomwe mumalipira ngati ngongoleyo ikukwaniritsa zofunikira zanyumba ya IRS.
Kuti ndalama zanu zobwereketsa zichotsedwe chiwongola dzanja, ngongoleyo iyenera kutetezedwa ndi nyumba yanu, ndipo ndalama zomwe mwabwerekazo ziyenera kuti zidagwiritsidwa ntchito pogula, kumanga, kapena kukonza nyumba yanu yoyamba, komanso nyumba ina gwiritsanso ntchito pazolinga zako.
Ngati mumabwereketsa nyumba yanu yachiwiri kwa alendi mkati mwa chaka, ndiye kuti sikugwiritsidwa ntchito pazofuna zanu ndipo simukuyenera kuchotsera chiwongola dzanja cha ngongole. Komabe, nyumba zobwereketsa zitha kuchotsedwa ngati muzigwiritsanso ntchito ngati nyumba kwa masiku osachepera 15 pachaka kapena kupitilira 10% yamasiku omwe mumawabwereketsa kwa alendi, kaya wamkulu ndi ati.
IRS imayika malire osiyanasiyana pa kuchuluka kwa chiwongola dzanja chomwe mungatenge chaka chilichonse. Kwa zaka zamisonkho chaka cha 2018 chisanafike, chiwongola dzanja chomwe chimaperekedwa mpaka $ 100.000 miliyoni yangongole yogulitsira imachotsedwa ngati zochotsedwa zalembedwa. Chiwongola dzanja chowonjezera $XNUMX mungongole chikhoza kuchotsedwa ngati zofunika zina zakwaniritsidwa.
Ndi gawo lanji la ndalama zomwe mumalandira kuchokera ku nyumba yanu dave ramsey
Ndife ntchito yofananira yodziyimira payokha, yothandizidwa ndi zotsatsa. Cholinga chathu ndi kukuthandizani kuti mupange zisankho zanzeru zachuma popereka zida zolumikizirana ndi ndalama zowerengera ndalama, kusindikiza zolemba zoyambirira ndi zomwe mukufuna, ndikukulolani kuti mufufuze ndikuyerekeza zambiri kwaulere, kuti mutha kupanga zosankha zachuma molimba mtima.
Zopereka zomwe zikuwonekera patsambali ndi zochokera kumakampani omwe amatilipira. Kulipiridwaku kungakhudze momwe zinthu zimawonekera patsamba lino, kuphatikiza, mwachitsanzo, momwe zingawonekere m'magulu amndandanda. Koma kubweza kumeneku sikukhudza zambiri zomwe timafalitsa, kapena ndemanga zomwe mumawona patsamba lino. Sitikuphatikiza dziko lonse lamakampani kapena zopereka zandalama zomwe zingapezeke kwa inu.
Ndife odziyimira pawokha, ntchito zofananira zothandizidwa ndi zotsatsa. Cholinga chathu ndi kukuthandizani kuti mupange zisankho zanzeru zachuma popereka zida zolumikizirana ndi zowerengera zachuma, kusindikiza zomwe zili zoyambira komanso zolinga, ndikukulolani kuchita kafukufuku ndikuyerekeza zambiri kwaulere, kuti mutha kupanga zosankha zachuma molimba mtima.
Kodi ndingalembetse ndalama zothandizira nyumba ngati ndili ndi ngongole yanyumba?
Pali mitundu ingapo ya ndalama zomwe zimalipidwa mukatenga ngongole yanyumba. Zina mwa ndalamazi zimagwirizana mwachindunji ndi ngongole yanyumba ndipo, pamodzi, zimapanga mtengo wa ngongole. Ndalama izi ndi zomwe muyenera kuziganizira posankha ngongole yanyumba.
Ndalama zina, monga misonkho ya katundu, nthawi zambiri zimalipidwa ndi ngongole yanyumba, koma kwenikweni ndi ndalama za umwini wa nyumba. Muyenera kuwalipira kaya munabwereketsa nyumba kapena ayi. Ndalama zimenezi ndi zofunika poganizira kuchuluka kwa ndalama zomwe mungagule. Komabe, obwereketsa samayang'anira ndalamazi, kotero simuyenera kusankha wobwereketsa yemwe angasankhe malinga ndi kuyerekezera kwawo kwa ndalamazi. Posankha ngongole yobwereketsa, ndikofunika kulingalira mitundu yonse ya ndalama. Ngongole yokhala ndi malipiro ochepa pamwezi ikhoza kukhala ndi ndalama zoyambira zokwera kwambiri, kapena ngongole yobwereketsa yokhala ndi zotsika mtengo zoyambira ikhoza kukhala ndi malipiro apamwamba pamwezi. Ndalama za mwezi uliwonse. Malipiro apamwezi nthawi zambiri amakhala ndi zinthu zinayi: Kuphatikiza apo, mungafunike kulipira chindapusa cha dera kapena kondomu. Ndalamazi zimalipidwa mosiyana ndi malipiro a mwezi uliwonse. Ndalama zoyambira. Kuphatikiza pa malipiro otsika, muyenera kulipira mitundu ingapo ya ndalama potseka.
