Zizindikiro zochenjeza za ngongole zomwe sizinatchulidwe
Ngati mukufuna ngongole yochirikizidwa ndi boma, malangizo opezera ndalama zogulira nyumba amalembedwa mosamalitsa. Ngongole zothandizidwa ndi boma zimachokera ku Federal Housing Administration (ngongole za FHA), Veterans Affairs (VA ngongole) ndi dipatimenti ya zaulimi (ngongole za USDA).
Nthawi zina, obwereketsa amatha kutsitsa ndalama zomwe amapeza kwa obwereketsa okondedwa. Mwachitsanzo, tiyerekeze kuti mwakhala ndi gulu lapafupi kwa zaka zambiri. Ngati akudziwa kuti muli ndi mbiri yolipira yopanda banga komanso mbiri yabwino yangongole, akhoza kukhala wokonzeka kumasula ndondomekoyo pang'ono.
Zomwe muyenera kuchita ndikulemba kuti mlendo aliyense akukhala. Ndipo muyeneranso kuwonetsa kuti mwakhala mukulandira ndalama mosadukiza kwa miyezi 12 yapitayi: mgwirizano wobwereketsa, macheke oletsedwa, kapena ma depositi pamwezi pamasitetimenti akubanki angathandize.
Sibwino, koma ngati mwamuna kapena mkazi wanu wakale ndi bum yemwe sapereka nthawi zonse ndalama zothandizira mwana, simungathe kuwerengera ndalamazo. Osati ngakhale mutakhala ndi lamulo la khothi lopanda madzi kapena mgwirizano wopatukana. Chifukwa muyenera kutsimikizira kuti mwalandira "malipiro athunthu, okhazikika komanso osunga nthawi" kwa miyezi isanu ndi umodzi.
Mbiri yosadziwika yangongole
Bukuli lili ndi chilolezo motsatira lamulo la Open Government License v3.0, kupatula ngati tafotokozera. Kuti muwone laisensiyi pitani ku nationalarchives.gov.uk/doc/open-government-licence/version/3 kapena lemberani Gulu Lachidziwitso, The National Archives, Kew, London TW9 4DU, kapena imelo: [imelo ndiotetezedwa].
The Property Rental Campaign ndi mwayi kwa eni ake omwe ali ndi ngongole ya msonkho wobwereketsa nyumba, ku UK kapena kunja, kuti azidziwa bwino zamisonkho m'njira yosavuta ndikupindula ndi momwe angathere.
Eni nyumba omwe ali eni ake ogwirizana ndi amuna awo, mkazi, kapena mnzawo wapakhomo ayenera kuŵerenga chitsogozo cha PIM1030 Property Income Manual pamutu wakuti “Joint Ownership: Husband and Wife or Domestic Partnership.” Ayeneranso kuwerenga lamulo la 50/50 lomwe lili mu TSEM9800 Trusts, Settlements and Estates Manual.
Mutha kupangabe chiganizo ndi kukonza misonkho yanu kunja kwa Kampeni Yobwereketsa Malo. Ndemanga zanu sizikhala gawo la Kampeni Yobwereketsa Manyumba ndipo zoperekedwa pano sizipezeka.
Kodi Obwereketsa Ngongole Amawonera Zomwe Mumawononga?
Ngati pempho lanu la chiwongola dzanja likanidwa, pali zinthu zingapo zomwe mungachite kuti mukhale ndi mwayi wovomerezedwa nthawi ina. Osafulumira kupita kwa wobwereketsa wina, chifukwa pulogalamu iliyonse imatha kuwonekera pa fayilo yanu yangongole.
Ngongole zilizonse zamasiku olipira zomwe mudakhala nazo m'zaka zisanu ndi chimodzi zapitazi zidzawonekera pa mbiri yanu, ngakhale mutalipira pa nthawi yake. Zitha kukhala zotsutsana ndi inu, popeza obwereketsa angaganize kuti simungathe kulipira ngongole yokhala ndi ngongole.
Obwereketsa sali angwiro. Ambiri aiwo amalowetsa deta yanu yofunsira mu kompyuta, kotero ndizotheka kuti chiwongola dzanjacho sichinaperekedwe chifukwa cha zolakwika mu fayilo yanu yangongole. Wobwereketsa sangathe kukupatsani chifukwa chenicheni chakulepherera kufunsira ngongole, kusiyapo chifukwa chokhudzana ndi fayilo yanu yangongole.
Obwereketsa ali ndi njira zosiyanasiyana zolembera ndipo amaganizira zinthu zingapo poyesa kubwereketsa kwanu. Zitha kutengera zaka, ndalama, ntchito, chiŵerengero cha ngongole ndi mtengo, ndi malo omwe ali ndi katundu.
Zomwe simuyenera kunena kwa wobwereketsa nyumba
Chaka chilichonse, Internal Revenue Service (IRS) imakhala ndi ndalama zobwezeredwa zamisonkho zokwana madola mamiliyoni ambiri zomwe sizinaperekedwe kapena kuchotsedwa. Undeliverable Federal Tax Refund Macheke Kubweza ndalama kumatumizidwa ku adilesi yanu yomaliza yodziwika. Mukasamuka popanda kudziwitsa a IRS kapena United States Postal Service (USPS), cheke chanu chakubweza chingabwezedwe ku IRS . Muyenera kuyika nambala yanu ya Social Security, momwe mungasungire, ndi ndalama zenizeni zomwe mwabweza. Mutha kufunsidwa kuti musinthe adilesi yanu pa intaneti. Mutha kuyimbiranso IRS kuti muwone momwe mukubweza ndalama zanu. Nthawi yodikirira kuti mulankhule ndi woyimira ikhoza kukhala yayitali. Koma mutha kupewa kudikirira pogwiritsa ntchito makina opangira mafoni. Ngati mutasuntha, perekani Kusintha kwa Adilesi - Fomu 8822 ndi IRS; muyenera kutumizanso Kusintha kwa Adilesi ndi USPS Kubwezeredwa kwa Misonkho Yosafunidwa Ngati muli ndi ufulu wobweza msonkho ku federal ndipo osabweza, ndiye kuti kubwezeredwa kwanu sikudzafunsidwa. Ngakhale simukufunidwa kuti mupereke, mutha kupindula polemba ngati: y/kapena simunapereke msonkho chifukwa malipiro anu anali pansi pa zomwe amafunikira. Koma mutha kubwezabe ndalama pasanathe zaka zitatu kuchokera tsiku lomalizira kuti mubweze ndalama zanu.
