Kupi kwekutaura iyo 1099-c mu1040 ye2020
Kushivirira kwekoronavirus mortgage kwabatsira mamirioni evaridzi vekuAmerica vakatarisana nekuomerwa nekuda kwekurasikirwa nedenda rekugara mudzimba dzavo. Hurumende yemubatanidzwa ichangowedzera kushivirira kwehutsotsi, ichibvumidza varidzi vedzimba kuti vambomira kubhadhara mari dzemba kusvika pamwedzi gumi nemishanu, kubva pamwedzi gumi nemiviri yekutanga. Asi kune vamwe varidzi vemba, rubatsiro urwu runogona kunge rusina kukwana. Vanongoda chete kubuda muchikwereti chavo.
Kana iwe uchinzwa kuda kutiza chikwereti chako nekuti haugone kubhadhara, hausi wega. Kubva muna Mbudzi 2020, 3,9% yezvikwereti zvembavha zvaive nehusimbe, zvichireva kuti angangoita mazuva makumi mapfumbamwe apfuura, sekureva kwekambani yedata redzimba CoreLogic. Huwandu hwehutsotsi hwakapetwa katatu kupfuura mwedzi mumwe chete muna 90, asi hwakadzika zvakanyanya kubva padenda repamusoro re2019% muna Kubvumbi 4,2.
Nepo kurasikirwa nebasa kuri iko chikonzero chinoita kuti varidzi vemba vatsvage nzira yekutiza imba, haisiriyo chete. Kurambana, mabhiri ekurapwa, kuenda pamudyandigere, kutamira kune imwe nzvimbo kune chokuita nebasa, kana kuti kadhi rechikwereti rakawandisa kana chimwe chikwereti zvinogonawo kuva zvinhu izvo varidzi vemba vangada kubuda mazviri.
Kana ndikawana 1099-c, ndichiri nechikwereti here?
Kana iwe ukadzima mari yako yekutenga imba nebhangi asi usingazozivise Land Registry, iyo mortgage icharamba ichinyoreswa pane iyo imba. Kana ukafunga kutengesa pfuma yako, mutengi achaona kuti pane chikwereti chinopesana neimba yacho uye anogona kuramba kutengeswa. Kunyange kana iwe ukaudza mutengi kuti chikwereti chako chapera, iwe haungatengi nzvimbo ine chikwereti chako.
Iyo Land Registry ichapa Nota Nyore inova chiratidzo chemuridzi. Pamusoro pezvo, inozivisawo nezve mhosva (kureva mbavha) uye kuvharirwa uye kutora (kureva misikanzwa yemongi, zvikwereti zvePersonal Income Tax (IBI)) zvakabatwa nepfuma.
Chekutanga: Iwe unofanirwa kubata bazi rebhangi uye wokumbira zviri pamutemo kubviswa kwemortgage muLand Registry. Zvakanakisisa kuita izvi netsamba yakanyorerwa maneja webhangi.
Izvo zvakakosha kuratidza chokwadi chekuti iwe unogona kurangwa nebhangi nekukanzura. Kana gwaro remba remba rikasainwa, zvinowanzoitika kubvumirana pane dzimwe mari uye miripo ine chekuita nekukanzurwa kwechikwereti. Naizvozvo, zvakakosha kubvunza bhangi mari yemitengo ine chekuita nekukanzura usati waenderera. Uye zvakare, iwe uchafanirwa kubhadhara kudzima zviito kuSpanish Notary uye mutengo wekunyoresa muLand Registry.
Kukanzurwa kwezvido zvemortgage
Mushure memakore nemakore ekubhadhara zvikamu, nguva yasvika, iwe uri kuzobhadhara chikamu chekupedzisira chechikwereti chako. Asi chokwadi uri kushamisika, ndoita sei izvozvi, chii chandinofanira kuita kana ndapedza?
Chokwadi ndechekuti hausisina chikwereti nesangano rako rezvemari, asi hazvireve kuti wapedza nechikwereti chako nekuti ichiri kunyoreswa murejista uye izvi zvinogona kukonzera mamwe matambudziko, saka une mbiri sarudzo:
Iyo registry ichaidzima yega, mushure memakore makumi maviri (hachisi chinhu); ndiko kuti, nguva iyoyo isati yasvika, kune chero maitiro emari aunoda kuita, ruzivo ruchave rwuripo, iwe uchange uchine chikwereti.
Muchiitiko ichi, sangano rezvemari rinogona kupiwa nzira iyi, iyo isingazosunungurwi kubva kumari yekutonga yezvirongwa zvakabatana; kana isu tinogona kuzviita isu pachedu, tichichengetedza chikamu (asi kwete ese) chemutengo:
2. Enda kune gweta kuti ukumbire gwaro redziviriro rekudzima chikwereti. Izvi zvinofanirwa kusainwa nemumiriri wesangano rakapa remba, uyo anozoziviswa nemunyori (€ 200-300).
Zvinodiwa zvekukanzurwa kwemortgage muregistry yemazita
Mutemo weMortgage Debt Relief Act wa2007 kazhinji unobvumira vateresi kusabvisa mari kubva pakubhadhara chikwereti pakugara kwavo kwekutanga. Chikwereti chakaderedzwa kuburikidza nekugadzirisazve mortgage, pamwe nechikwereti chemba chakaregererwa maererano nekuvharirwa, inokodzera kubatsirwa.
Chikwereti chakakanganwirwa chichaiswa pamutero kana mari yacho iri yebasa rinoitirwa mukweretesi kana kuti nokuda kwechimwe chikonzero chisina chokuita zvakananga nokuderera kweukoshi hwemba kana kuti mamiriro ezvemari omuteresi.
Kana iwe ukakwereta mari kubva kune anokweretesa anokweretesa uye mukweretesi wekutengesa anozodzima kana kukanganwira chikwereti, ungangoda kuisa mari yakadzimwa mumari yemutero, zvichienderana nemamiriro ezvinhu. Pawakakwereta mari, iwe waisasungirwa kuisa mari yechikwereti semari inowanikwa nekuti waifanirwa kudzorera kumukweretesi.
Kana chikwereti ichocho chikazoregererwa kana kukanzurwa, mari yechikwereti yausina kudzosera inowanzonzi semari yaunowana. Hausisina chinosungirwa kudzosera mukweretesi. Kazhinji, mukweretesi anodiwa kuti ataure huwandu hwechikwereti chakadzimwa kwauri uye IRS paFomu 1099-C, Kudzima Chikwereti.
