Ukutsalwa kwenzala ye-IRS yokubambisa
Ukufumana imali-mboleko ye-mortgage ayikho simahla kwiindleko. Umbolekisi wakho kunye nabanye abantu besithathu bahlawulisa imali yokuvala imali-mboleko, iindleko ezinokongeza ukuya kumawaka eedola. Kodwa ngaba ubuncinane unokusifumana isiqabu kwirhafu? Ngaba unokutsala ezi ndleko zokuvala kwiirhafu zakho zomdibaniso?
Kwiimeko ezininzi, impendulo ithi "hayi." Ekuphela kweendleko zokuvala i- mortgage onokuthi ubange kwimbuyekezo yakho yerhafu yonyaka werhafu othenga ngawo ikhaya ngamanqaku owahlawulayo ukunciphisa izinga lenzala kunye nerhafu yepropathi onokuthi uyihlawule kwangaphambili.
Ikhowudi yerhafu yase-US inika abaninimzi iingenelo ezimbini ezinkulu zerhafu: Banokutsala inzala abayihlawulayo kwimali mboleko yabo yezindlu ngonyaka ngamnye kunye neerhafu zepropathi abazihlawulayo koomasipala basekhaya. Ziindaba ezimnandi ezo. Okubi? Abathengi abanakutsala uninzi lwemirhumo ehlawulwa ngababolekisi babo xa bevala iimali mboleko zabo.
Xa abathengi bezindlu bethatha imali-mboleko yendlu, kufuneka bahlawule iindleko zokuvala. Ezi ndleko yindlela ababolekisi kunye nabanye abantu besithathu, njengababoneleli be-inshurensi yetayitile, benza ngayo imali. Abathengi banokulindela ukuhlawula i-3-6% yemali mboleko yabo kwiindleko zokuvala. Ngokomzekelo, kwi-mortgage yee-$ 200.000, abathengi banokulindela ukuhlawula phakathi kwe-$ 6.000 kunye ne-12.000 yeedola kwiindleko zokuvala. Abathengi basekhaya baya kufumana iNkcazo yokuVala ubuncinci iintsuku ezi-3 zokusebenza phambi kokuba kuvalwe iinkcukacha zeendleko zabo zokuvala.
Ngo-2021 kutsalwa irhafu yenzala yemali-mboleko
Akukho nto ingako malunga neerhafu ezivuyisa abantu, ngaphandle kwaxa kufikwa kumbandela wokutsalwa kwemali. Ukutsalwa kwerhafu ziindleko ezithile ezenzeke kuwo wonke unyaka werhafu yaye zinokuthatyathwa kwisiseko serhafu, ngaloo ndlela kuncitshiswa isixa semali ekufuneka uyihlawulele irhafu.
Kwaye kubanikazi bezindlu abane-mortgage, kukho ukutsalwa okongeziweyo abangakubandakanya. Ukutsalwa kwenzala yemali-mboleko yenye yeentlawulo ezininzi zerhafu kubanini-zindlu ezibonelelwa yi-IRS. Funda ukuze ufumanise ukuba yintoni kunye nendlela yokuyibanga kwiirhafu zakho kulo nyaka.
Ukutsalwa kwenzala yemali-mboleko yinkuthazo yerhafu kubaninimzi. Oku kutsalwa kwento ethile kuvumela abaninimzi ukuba babale inzala abayihlawulayo kwimali-mboleko enxulumene nokwakhiwa, ukuthengwa okanye ukuphuculwa kwekhaya labo eliphambili ngokuchasene nengeniso yabo erhafiswayo, ukunciphisa isixa seerhafu abanazo. Olu xhuzulo lunokusetyenziswa nakwimali-mboleko yezindlu zesibini, ukuba nje uhlala ngaphakathi kwemida.
Kukho ezinye iindidi zeemali mboleko zezindlu ezifanele ukuxhuzulwa irhafu yenzala yemali-mboleko. Phakathi kwazo kukho imali-mboleko yokuthenga, ukwakha okanye ukuphucula izindlu. Nangona imali-mboleko eqhelekileyo yimali-mboleko, imali-mboleko yokuthenga indlu, umgca wetyala, okanye i-mortgage yesibini nayo inokufaneleka. Unokusebenzisa kwakhona inzala yemali ebolekwayo emva kokuba uhlaziye ikhaya lakho. Kufuneka nje uqinisekise ukuba imali-mboleko iyahlangabezana nezi mfuno zingasentla (ukuthenga, ukwakha okanye ukuphucula) kwaye ikhaya ekuthethwa ngalo lisetyenziselwa ukukhusela imali-mboleko.
Kutheni inzala yam yemali-mboleko ingatsalwa?
Uninzi okanye zonke iimveliso eziveliswe apha zisuka kumaqabane ethu asibuyekezayo. Oku kunokuba nefuthe kwiimveliso esibhala ngazo kwaye apho kwaye imveliso ibonakala njani kwiphepha. Nangona kunjalo, oku akunampembelelo kuvavanyo lwethu. Iimbono zethu zezethu.
Ukutsalwa kwenzala yemali-mboleko kukutsalwa kwerhafu kwinzala yemali-mboleko ehlawulwe kwisigidi sokuqala seedola setyala lendlu. Abanini bezindlu abathenge amakhaya emva kwe-Dec. 15, i-2017, banokutsala inzala kwi-$ 750.000 yokuqala ye-mortgage. Ukwenza ibango lokutsalwa kwenzala yemali-mboleko kufuna ukuba kufakwe kwimbuyekezo yerhafu.
Ukutsalwa kwenzala yemali-mboleko kukuvumela ukuba wehlise ingeniso yakho erhafiswayo ngesixa semali oyihlawule kwinzala yemali-mboleko enyakeni. Ngoko ke, ukuba unemali-mboleko, gcina ingxelo entle: inzala oyihlawulayo kwimali-mboleko yakho yendlu-mboleko ingakunceda wehlise ityala lakho lerhafu.
Njengoko kuphawuliwe, unako ukutsala inzala ye-mortgage oyihlawule ngexesha lonyaka werhafu kwisigidi sokuqala seedola zetyala lakho lokuboleka kwikhaya lakho eliphambili okanye lesibini. Ukuba uthenge indlu emva kwe-15 kaDisemba 2017, unokutsala inzala oyihlawule ngexesha lonyaka kwi-$ 750.000 yokuqala ye-mortgage.
Ukuxhuzulwa kwenzala ye-Mortgage vs
Ukuba urenta ngaphezulu kwepropathi enye, iingeniso kunye nelahleko kwezo zakhiwo zongezwa kunye ukuze ufumane inzuzo enye okanye inani lelahleko kwishishini lakho lezindlu. Nangona kunjalo, iinzuzo kunye nelahleko evela kwipropathi yaphesheya kufuneka igcinwe yahlukile kwipropathi yase-UK.
Ungabelana ngobunini bepropathi erentwayo nabanye abantu kwaye isixa sengeniso yerenti oya kuyihlawula irhafu iya kuxhomekeka kwinzala yakho kwipropati. Ukuthatha inxaxheba kwakho kwishishini lemihlaba nemihlaba engabanini ngokudibeneyo ayiloshishini elahlukileyo kwiipropati onokuba nazo.
Ukuba ngaba ubunini bepropati kwizabelo ezingalinganiyo kwaye unelungelo lokufumana ingeniso kwizabelo ezingalinganiyo ezifanayo, umvuzo unokutsalwa irhafu ngaloo ndlela. Bobabini kufuneka bavakalise umdla wokwenyani kwipropati kunye nengeniso edibeneyo.
Ukuba ngaba ungumnikazi wepropati ngokudibeneyo nomnye umntu ongelilo iqabane lakho okanye iqabane lasekhaya, isabelo sakho sengeniso yerenti okanye ilahleko ngokuqhelekileyo iya kusekelwa kwisahlulo sepropati onayo, ngaphandle kokuba uyavumelana nokwahlulwa okwahlukileyo.
