Kodi ndikwanzeru kugwiritsa ntchito heloc kulipira ngongole yanyumba?
Ngati muli ndi nyumba, ndiye kuti muli ndi ufulu wochotsedwa pa chiwongola dzanja chanu. Kuchotsera msonkho kumagwiranso ntchito ngati mupereka chiwongola dzanja pa condominium, cooperative, mobile home, boti, kapena galimoto yosangalalira yomwe mumagwiritsa ntchito ngati nyumba.
Chiwongola dzanja chamtengo wapatali ndi chiwongola dzanja chilichonse chomwe mumalipira pangongole yotetezedwa ndi nyumba yoyamba kapena yachiwiri yomwe idagwiritsidwa ntchito kugula, kumanga, kapena kukonza nyumba yanu. M'zaka zamisonkho chisanafike chaka cha 2018, ngongole yayikulu yomwe ingachotsedwe inali $ 1 miliyoni. Pofika chaka cha 2018, kuchuluka kwangongole kumangokhala $750.000. Ngongole zanyumba zomwe zinalipo kuyambira pa Disembala 14, 2017 zipitiliza kulandira msonkho womwewo monga pansi pa malamulo akale. Kuonjezera apo, kwa zaka za msonkho chaka cha 2018 chisanafike, chiwongoladzanja chomwe chinaperekedwa pa $ 100.000 ya ngongole yanyumba idachotsedwanso. Ngongole izi zikuphatikiza:
Inde, kuchotsera kwanu kumakhala kochepa ngati ngongole zonse zogulira, kumanga, kapena kukonza nyumba yanu yoyamba (ndi nyumba yachiwiri, ngati ikuyenera) zonse zimaposa $1 miliyoni ($500,000 ngati mukugwiritsa ntchito zolemba zapabanja) zaka zamisonkho chaka cha 2018 chisanafike. Kuyambira mu 2018, malirewa adatsitsidwa mpaka $750.000. Ngongole zanyumba zomwe zinalipo kuyambira pa Disembala 14, 2017 zipitiliza kulandira msonkho womwewo monga pansi pa malamulo akale.
Gwiritsani ntchito ngongole yanu kuti mulipire ngongole
Kuchotsera chiwongola dzanja chanyumba (HMID) ndi imodzi mwamapumitsi amisonkho omwe amayamikiridwa kwambiri ku United States. Ogulitsa nyumba, eni nyumba, oyembekezera kukhala eni nyumba, ndipo ngakhale akauntanti amisonkho amaonetsa mtengo wake. Kunena zoona, nthano nthawi zambiri imakhala yabwino kuposa zenizeni.
Lamulo la Tax Cuts and Jobs Act (TCJA) lomwe ladutsa mu 2017 lidasintha chilichonse. Kuchepetsa chiwongola dzanja chachikulu chomwe chikuyenera kulandira chiwongola dzanja mpaka $750.000 (kuchokera pa $ 1 miliyoni) pangongole zatsopano (kutanthauza kuti eni nyumba atha kuchotsa chiwongola dzanja cholipiridwa mpaka $750.000 yangongole yanyumba). Koma idachulukitsanso kuchotsera kawiri kawiri pakuchotsa kukhululukidwa kwaumwini, zomwe zimapangitsa kuti zikhale zosafunikira kwa okhometsa msonkho ambiri kuti afotokozere chifukwa sakanathanso kukhululukidwa ndikuchotsa ndalama nthawi imodzi.
Kwa chaka choyamba TCJA itakhazikitsidwa, okhometsa misonkho pafupifupi 135,2 miliyoni akuyembekezeka kuchotseratu. Poyerekeza, 20,4 miliyoni amayembekezeredwa kupereka misonkho, ndipo mwa iwo, 16,46 miliyoni angafune kuchotsera chiwongola dzanja cha ngongole.
Momwe mungalipire ngongole yanyumba mwachangu
Zambiri kapena zonse zomwe zili pano ndi zochokera kwa anzathu omwe amatilipira. Izi zitha kukhudza zomwe timalemba komanso komwe zimawonekera patsamba. Komabe, izi sizikhudza kuwunika kwathu. Malingaliro athu ndi athu.
Kuchotsera chiwongola dzanja chanyumba ndikuchotsa msonkho pa chiwongola dzanja chanyumba chomwe chimaperekedwa pangongole yanyumba yoyambira miliyoni miliyoni. Eni nyumba omwe adagula nyumba pambuyo pa Dec. 15, 2017, akhoza kutenga chiwongoladzanja pa $ 750.000 yoyamba ya ngongole. Kufuna kuchotsera chiwongoladzanja cha ngongole kumafuna kuti mubwereze msonkho wanu.
Kuchotsera chiwongoladzanja cha chiwongola dzanja kumakupatsani mwayi wochepetsera ndalama zomwe mumalipira msonkho ndi ndalama zomwe mudalipira pa chiwongola dzanja chanyumba mkati mwa chaka. Chifukwa chake ngati muli ndi ngongole yanyumba, sungani mbiri yabwino: chiwongola dzanja chomwe mumalipira pa ngongole yanu yanyumba chingakuthandizeni kuchepetsa msonkho wanu.
Monga taonera, mutha kuchotsa chiwongola dzanja chomwe mudalipira mchaka cha msonkho pa madola miliyoni miliyoni a ngongole yanu yanyumba panyumba yanu yayikulu kapena yachiwiri. Ngati munagula nyumbayo pambuyo pa Disembala 15, 2017, mutha kuchotsa chiwongola dzanja chomwe mudalipira mchaka pa $750.000 yoyamba yangongole.
Dave ramsey: heloc kulipira ngongole
Msika wa nyumba wakhala ukukwera, ndipo chifukwa chake, osunga ndalama ambiri ndi eni nyumba akupindula ndi chiyamikiro chachikulu cha mtengo wa nyumba zawo. Otsatsa ndalama nthawi zambiri amabwera kwa ine ndi vuto la "ulesi" wowonjezera ndalama m'nyumba zawo.
Osunga ndalama mwaukadaulo amadziwa kuchuluka kwa ndalama zomwe ali nazo m'malo awo ndikuwunika momwe ndalama zawo zimagwirira ntchito, ndiye kuti, kuchuluka kwa zobweza poyerekeza ndi kuchuluka kwa ndalama zomwe atumiza, kapena zomwe apeza pakuthetsedwa. Izi ndizosiyana ndi kubweza ndalama, zomwe ndi ndalama zomwe ndalama zoyambira zimatengera pakubweza.
Pamene mitengo ya nyumba ikukwera, anthu akuyang'ana kuti akwaniritse bwino zomwe zili m'nyumba zawo. Zikatere, pali njira zitatu zopangiranso ntchito: kugulitsa malo, kubweza ndalama ndi ndalama, kapena kutenga ngongole yanyumba (HELOC). Ganizirani njira yomwe imadziwika kuti mortgage recasting kapena rate arbitrage ngati imodzi mwazomwe mungachite kuti mulipire ngongole yanu yanyumba.
