Komwe munganene za 1099-c mu 1040 ya 2020
Kuleza mtima kwanyumba ya coronavirus kwathandiza mamiliyoni a eni nyumba aku America omwe akukumana ndi zovuta chifukwa chakuwonongeka kwachuma komwe kumakhala m'nyumba zawo. Boma langowonjezera kuleza mtima pazachiwembu, kulola eni nyumba kuyimitsa kwakanthawi kubweza ngongole kwa miyezi 15, kuyambira miyezi 12 yoyambirira. Koma kwa eni nyumba ena, chithandizochi sichingakhale chokwanira. Amangofunika kuti atuluke kubweza kwawo.
Ngati mukuona kufunika kothawa ngongole chifukwa simungathe kulipira, simuli nokha. Pofika mwezi wa Novembala 2020, 3,9% ya ngongole zanyumba zinali zachiwembu kwambiri, kutanthauza kuti zinali zitadutsa masiku 90, malinga ndi kampani yosunga malo ndi CoreLogic. Chiwopsezo chimenecho chinali chokwera katatu kuposa mwezi womwewo wa 2019, koma chidatsika kwambiri kuchokera ku mliri wa 4,2% mu Epulo 2020.
Ngakhale kutaya ntchito ndi chifukwa chachikulu chomwe eni nyumba amafunira njira yopulumutsira ngongole, si yokhayo. Chisudzulo, ngongole zachipatala, kupuma pantchito, kusamuka chifukwa cha ntchito, kapena khadi la ngongole kapena ngongole zina zingakhalenso zinthu zimene eni nyumba angafune kuchokamo.
Ndikapeza 1099-c, kodi ndili ndi ngongole?
Ngati mubweza ngongole yanu kubanki koma osadziwitsa a Property Registry, ngongoleyo idzapitilira kulembetsedwa motsutsana ndi malowo. Ngati mwaganiza zogulitsa malo anu, wogula adzapeza kuti pali ngongole yogulitsa nyumbayo ndipo akhoza kukana kugulitsa. Ngakhale mutauza wogula kuti ngongole yanu yatha, simungagule malo ndi ngongole yobwereketsa.
Kaundula wa Land Registry adzapereka Nota Simple yomwe ndi umboni wa umwini. Kuphatikiza apo, imadziwitsanso za zolipiritsa (ndiko kuti, ngongole zanyumba) ndi kuphedwa ndi zoletsa (ndiko kuti, kuphwanya kwa ngongole yanyumba, ngongole za Misonkho pa Income of Physical Persons (IBI)) zomwe katunduyo amasunga.
Choyamba: Muyenera kulumikizana ndi nthambi ya banki ndikupempha mwalamulo kuti kuthetsedwa kwa ngongole yanyumba mu Land Registry. Ndi bwino kuchita izi molembera kalata woyang'anira banki.
Ndikofunikira kuwunikira mfundo yoti mutha kulangidwa ndi banki chifukwa chakuletsa. Chikalata chobwereketsa nyumba chikasainidwa, mwachizoloŵezi mumavomereza ndalama zina ndi ndalama zokhudzana ndi kuthetsedwa kwa ngongole. Chifukwa chake, ndikofunikira kufunsa kubanki mtengo wamtengo wokhudzana ndi kuletsa musanayambe. Kuphatikiza apo, mudzayeneranso kulipira zikalata zoletsa ku Spanish Notary komanso mtengo wolembetsa mu Land Registry.
Kuletsa zofunikira zanyumba
Pambuyo pazaka ndi zaka zakulipira magawo, nthawi yafika, mudzalipira gawo lomaliza la ngongole yanu yanyumba. Koma ndithudi mukudabwa, nditani tsopano, ndichite chiyani ndikamaliza?
Chowonadi ndi chakuti mulibenso ngongole ndi bungwe lanu lazachuma, koma izi sizikutanthauza kuti mwamaliza ndi ngongole yanu chifukwa idalembetsedwabe mu registry ndipo izi zitha kuyambitsa mavuto, kotero muli ndi njira ziwiri:
Registry idzathetsa yokha, patatha zaka 20 (palibe kanthu); ndiko kuti, nthawi imeneyo isanafike, pazachuma chilichonse chomwe mukufuna kuchita, chidziwitsocho chidzakhalapobe, mudzakhalabe ndi ngongole.
Pachifukwa ichi, bungwe lazachuma likhoza kupatsidwa ndondomekoyi, zomwe sizidzachotsedwa ku ndalama zoyendetsera ntchito zomwe zimagwirizana; kapena titha kuchita tokha, kupulumutsa gawo (koma osati zonse) la mtengo wake:
2. Pitani kwa notary kukapempha chikalata chapagulu chochotsa ngongole yanyumba. Izi ziyenera kusainidwa ndi woimira bungwe lomwe lapereka ngongoleyo, yemwe adzadziwitsidwa ndi notary (€ 200-300).
Zofunikira pakuchotsa ngongole yanyumba mu kaundula wa maudindo
Lamulo la Mortgage Debt Relief Act la 2007 nthawi zambiri limalola okhometsa misonkho kusapatula ndalama zolipirira ngongole pamalo awo oyamba. Ngongole yochepetsedwa mwa kukonzanso nyumba, komanso ngongole yanyumba yokhululukidwa yokhudzana ndi kulandidwa, ndiyoyenera kulandira mpumulo.
Kuchuluka kwa ngongole yokhululukidwa kudzaperekedwa kwa msonkho ngati kuchotsedwa kuli kwa ntchito zoperekedwa kwa wobwereketsa kapena pazifukwa zina zilizonse zosakhudzana mwachindunji ndi kutsika kwa mtengo wa nyumbayo kapena mkhalidwe wandalama wa wokhometsa msonkho.
Ngati mubwereka ndalama kwa wobwereketsa wamalonda ndipo wobwereketsayo pambuyo pake aletsa kapena kukhululuka ngongoleyo, mungafunike kuphatikiza ndalama zomwe zathetsedwa kuti mulandire msonkho kutengera momwe zinthu ziliri. Pamene munabwereka ndalamazo, simunafunikire kuphatikizirapo ndalamazo monga ndalama chifukwa munayenera kuzibwezera kwa wobwereketsayo.
Ngongoleyo ikakhululukidwa kapena kuthetsedwa, ndalama zomwe simunabweze zimanenedwa ngati ndalama. Simukuyeneranso kubwezera wobwereketsa. Nthawi zambiri, wobwereketsa amafunikira kufotokoza kuchuluka kwa ngongole yomwe mwathetsedwa ndi IRS pa Fomu 1099-C, Kuchotsa Ngongole.
