Ngaba ungafumana imali yokubambisa izindlu ezimbini ezisisiseko?
Ukuhlelwa kwendlu oyithengayo kunokuchaphazela iirhafu zakho kunye nenzala yemali-mboleko oyifumanayo. Ipropati oyithengileyo inokuchazwa njengendawo yokuhlala yokuqala, indawo yokuhlala yesibini, okanye ipropathi yotyalo-mali.
Indawo yakho yokuhlala ephambili (ekwabizwa ngokuba yindawo yakho yokuhlala eyintloko) likhaya lakho. Nokuba yindlu, i-condo okanye i-townhome, ukuba uhlala apho ixesha elininzi lonyaka kwaye unokungqina oko, yindawo yakho yokuhlala ephambili, kwaye ungakufanelekela ukufumana imali ephantsi yemali-mboleko.
Indawo yakho yokuhlala engundoqo inokuxhamla kwirhafu yengeniso: kokubini ukuxhuzulwa kwenzala yemali-mboleko ehlawulweyo kunye nokungabandakanyi inzuzo yerhafu yenzuzo enkulu xa uyithengisa. Ngenxa yeenzuzo zerhafu, i-IRS iseke izikhokelo ezicacileyo zokukunceda ukuba ubone ukuba ikhaya lakho lifaneleka njengendawo yokuhlala ephambili.
Xa ufaka isicelo semali-mboleko, uhlobo lwendlu oyixhasa ngemali - ikhaya lokuqala, ikhaya lesibini okanye ipropathi yotyalo-mali - iya kuba nefuthe kwixabiso lemali-mboleko oyifumanayo. Ngokuqhelekileyo, amaxabiso okuboleka imali aphantsi kumakhaya aphambili.
Igatya lokuhlala kwi-mortgage
Masiqale ngezinye iziseko. Kukho iindidi ezintathu ezinokwenzeka zepropati: indawo yokuhlala yokuqala, indawo yokuhlala yesibini, kunye nepropathi yotyalo-mali. Ukuqonda ulwahlulo ngalunye kunokukunceda ukuba ugweme inzala ephezulu kunye neempembelelo zerhafu xa uthenga ezinye iipropati.
Iindawo zokuhlala eziphambili zidla ngokuba nenzala ephantsi yemali-mboleko, njengoko iimali-mboleko kwezi propati ziphakathi kwezona mboleko zisemngciphekweni uphantsi kubabolekisi. Ukuze ikhaya lakho lithathelwe ingqalelo njengeyona ndawo iphambili, ezi zezinye zeemfuno:
Kukho ezinye iindleko zobunini bezindlu ezitsalwa irhafu. Ukusukela ngo-2018, abanini bezindlu banokutsala inzala yemali-mboleko kwimali-mboleko ukuya kuthi ga kwi-750.000 yeedola. Esi sixa-mali sinokubandakanya indawo yokuhlala yokuqala kunye neyesibini. Ungakwazi nokubanga iintlawulo ze-inshurensi yokubambisa ukuba uthenge ikhaya lakho emva kuka-2006. Ukuba ukhetha ukubandakanya oku kutsalwa kwerhafu kwimbuyekezo yakho yerhafu, kuya kufuneka ukuba wenze into ethile endaweni yokubanga ukutsalwa okusemgangathweni.
Kwakhona, wakuba ulithengile ikhaya, kufuneka uhlale kulo zingadlulanga iintsuku ezingama-60 zokuvala. Ukuba imali-mboleko ivela kwi-VA, kwaye usemsebenzini, iqabane lakho linokwanelisa imfuneko yomsebenzi.
Iirhafu kwindawo yokuhlala engundoqo kunye notyalo-mali
Siyinkonzo yothelekiso ezimeleyo, exhaswa yintengiso. Injongo yethu kukukunceda wenze izigqibo zemali ezikrelekrele ngokubonelela ngezixhobo ezisebenzisanayo kunye neekhatyhuleyitha zemali, ukupapasha umxholo wokuqala nongakhethi cala, kwaye ikuvumela ukuba wenze uphando kwaye uthelekise ulwazi simahla, ukuze wenze izigqibo zemali ngokuzithemba.
Unikezelo oluvela kule ndawo lusuka kwiinkampani ezisibuyekezayo. Le mbuyekezo inokuphembelela indlela kunye nalapho iimveliso zivela khona kule sayithi, kubandakanywa, umzekelo, indlela ezinokuvela ngayo kwiindidi zodweliso. Kodwa le mbuyekezo ayichaphazeli ulwazi esilupapashayo, okanye nophononongo olubonayo kwesi siza. Asibandakanyi indalo yonke yeenkampani okanye izibonelelo zemali ezinokufumaneka kuwe.
Siyinkonzo yothelekiso ezimeleyo, exhaswa yintengiso. Injongo yethu kukukunceda wenze izigqibo zemali ezikrelekrele ngokubonelela ngezixhobo ezisebenzisanayo kunye nezixhobo zokubala zemali, ukupapasha umxholo wokuqala kunye nenjongo, kwaye ikuvumela ukuba wenze uphando kwaye uthelekise ulwazi simahla, ukuze wenze izigqibo zemali ngokuzithemba.
Imithetho yokubolekwa kwezindlu ezingundoqo
Xa ufaka isicelo semali-mboleko, uya kubuzwa ukuba ipropati yakho iya kusetyenziswa njani na: njengendawo yokuhlala esisiseko, ikhaya lesibini, okanye ipropathi yotyalo-mali. Indlela ohlela ngayo ikhaya iya kuchaphazela inzala yemali-mboleko ekhoyo kunye neemfuno eziyimfuneko ukuze zivunywe kwimali-mboleko yendlu.
Ukusetyenziswa okucetywayo kwepropati yakho kuya kuchaphazela imilinganiselo yenzala ekhoyo kunye neemfuno eziyimfuneko zokufumana imali-mboleko yendlu. Oku kungenxa yokuba ababolekisi kufuneka bavavanye inqanaba lomngcipheko xa bekunika imali-mboleko, nto leyo ethetha ukuba bamisela ukuba kunokwenzeka kangakanani na ukuyibuyisela imali-mboleko. Okukhona imeko yemali-mboleko inobungozi, kokukhona inyuka imilinganiselo kwaye kokukhona ingqongqo imfuneko yokuvunywa. Ngelixa kuya kufuneka ujonge kunye nombolekisi wakho ngeenkcukacha malunga nokulungela uhlobo ngalunye lwe-mortgage, nazi izinto ezimbalwa ekufuneka uzigcine engqondweni.
Indawo yokuhlala ephambili yindawo onokuthi uhlale kuyo kwaye uchithe ixesha lakho elininzi. Izindlu zokubambisa ezisisiseko zisenokuba lula ukulufumana kunezinye iindidi zokuhlala kwaye zinokubonelela ngezona ntlawulo ziphantsi zemali-mboleko.
