W2 okanye ingxelo yengeniso yemali mboleko
Ngokuqhelekileyo, umbolekisi uya kuqinisekisa ukuba iifom zerhafu zisayinwe kwaye ziqinisekisiwe kwaye zixhaswa zizaziso zovavanyo. Le yitshekhi elula yobuqhophololo ukuqinisekisa ukuba ziimbuyekezo zerhafu yengeniso ozifayile kwiOfisi yeRhafu yase-Australia.
Apha kulapho iibhanki zenza umahluko omkhulu kwindlela ezizifunda ngayo iimbuyekezo zakho zerhafu. NgoMatshi okanye ngoAprili wonyaka ngamnye, uninzi lwababolekisi baqala ukucela iimbuyekezo zerhafu yengeniso kunyaka wokugqibela werhafu. Kude kube ngoko, unokubonelela ngeembuyekezo zerhafu zonyaka ongaphambili.
Omnye wababolekisi bethu uya kukucela kuphela ukuba ugcwalise imbuyekezo yerhafu yonyaka omnye (kungekho ngaphezu kweenyanga ezili-18), eluncedo kubantu abanonyaka ombi ngaphambili okanye abasandula ukuqala ishishini labo.
Sinezivumelwano ezikhethekileyo nabanye bababolekisi bethu abavumela ababoleki ukuba babonelele ngolu xwebhu lulolunye lwemali-mboleko ye-90% kwaye, kubabolekisi, mboleko ukuya kuthi ga kwi-95% yexabiso lokuthenga lepropati.
» …Ukwazile ukusifumana ngokukhawuleza kunye nobuncinci bengxabano kwimali-mboleko ngexabiso elifanelekileyo lenzala xa abanye besixelela ukuba kuya kuba nzima kakhulu. Ndichukunyiswe kakhulu yinkonzo yabo kwaye ndingacebisa kakhulu iiNgcali zeMali mboleko kwixa elizayo”
I-Mortgage yengxelo yengeniso
Xa ufaka isicelo semali-mboleko, umbolekisi wakho usenokukucela ukuba unikezele ngamaxwebhu emali, anokuquka imbuyekezo yerhafu yengeniso yonyaka omnye okanye emibini. Mhlawumbi uyazibuza ukuba ezo mbuyekezo zerhafu zinokusichaphazela njani isicelo sakho sokubambisa. Sikucacisela yona.
Iingxelo zakho zerhafu, kunye nawo nawaphi na amanye amaxwebhu emali. kwisicelo sakho semali-mboleko, zisetyenziselwa ukumisela ukuba yimalini onokuyichitha kwimali mboleko yakho yendlu nyanga nganye. Kuba imali-mboleko ikubophelela ukuba wenze iintlawulo zeminyaka, ababolekisi bafuna ukuqiniseka ukuba imali-mboleko yakho iyafikeleleka ngoku nakwiminyaka ezayo.
Ngokuxhomekeke kwimeko yakho yezemali, sinokukucela amaxwebhu ongezelelweyo. Umzekelo, ukuba unalo naluphi na utyalo-mali lwezindlu, kungafuneka ukuba ungenise uxwebhu lweShedyuli E ukusuka kwiminyaka emibini edlulileyo. Ukuba uziqeshile, kungafuneka ukuba ungenise iikopi zengxelo yakho yengeniso nelahleko. Kwelinye icala, ukuba awunyanzelekanga ukuba ugcwalise irhafu, ababolekisi banokusebenzisa imibhalo yakho yerhafu endaweni yoko. Ukuba uziqeshile, uneshishini, okanye unomvuzo ovela kwezinye iindawo (ezifana nomvuzo wokurenta okanye umvuzo omkhulu wenzala), kusenokwenzeka ukuba ucelwe iimbuyekezo zakho zerhafu kunye namaxwebhu ongezelelweyo. Nasi isikhokelo malunga nokuba ngawaphi amaxwebhu ababolekisi banokuwadinga kwimeko yakho ethile.
Ababolekisi abangayifuniyo ingxelo yengeniso
Uninzi lwabantu lucinga ukuba awukwazi ukufumana imali yokubambisa ukuba awuyifaki irhafu yeminyaka emibini yokugqibela. Nangona kunjalo, kukho ukhetho lwe-mortgage kubantu abangakwaziyo ukubonelela ngeembuyekezo zerhafu okanye ukuba iimbuyekezo zabo zerhafu azibonakalisi ingeniso eyaneleyo ukuze bafaneleke ukufumana i-mortgage.
Ababolekisi ababonelela ngeemali zokubambisa ezingahlawuliswa rhafu bahlala beyila ezi nkqubo mboleko zabo bazisebenzelayo. Kwiimeko ezininzi, baye batsalwe imali eninzi kwishishini elinciphisa umvuzo wabo oseleyo ukusa kwinqanaba lokuba iimbuyekezo zerhafu zibonisa umvuzo omncinane kakhulu okanye ilahleko.
Ababolekisi abanikezela ngeemali-mboleko ezifunwayo ezingafakwanga bayaqonda ukuba ingeniso yengeniso kwimbuyekezo yakho yerhafu ayibalulekanga njengesixa semali oyizisa nyanga nganye. Ngoko ke, endaweni yoko bacela ukubona iziteyitimenti zebhanki phakathi kweenyanga ezili-12 nezingama-24. Yindlela entle yokuxhasa ngezimali ikhaya lamaphupha akho ngaphandle kokwenza ingxelo yerhafu.
Qhagamshelana nathi ukuze ufunde ngakumbi malunga nokhetho lwakho okanye ufumane umbono wokuba liyakuba yintoni izinga lakho lenzala. Ukuba unako, khawuleza ugcwalise ifomu evela ekunene okanye ezantsi kwesikrini ukuba ufunda oku kwisixhobo esiphathwayo. Sizakuqhagamshelana nawe ngoko nangoko.
Ndingayifumana imali-mboleko yendlu ngeerhafu ezingaxelwanga?
Ukuba umvuzo wakho awugqithi kwimida yengeniso ethile egqitywe yi-IRS, unokukwazi ukutsiba ukufaka imbuyekezo yakho yerhafu yengeniso. Umyinge wengeniso uya kuxhomekeka kwiminyaka yakho, ubume bakho bomtshato, kunye nohlobo lomvuzo owufumeneyo.
Kodwa nokuba akufuneki ukuba ugcwalise imbuyekezo, kufuneka ucinge ngokufaka, kuba ukuba awukwenzi unokushiya imali kwiikhredithi zerhafu njengeThredithi yeRhafu yokuBuyisa okanye iThredithi yeRhafu yoMntwana etafileni.
Abafaki beefayili ababodwa abanako ukuba bafake imbuyekezo yerhafu ukuba ingeniso yabo epheleleyo ayidluli i-standard deduction ye-12.550 yeedola, okanye i-$ 25.100 ukuba batshatile bafake ngokudibeneyo. Lo mda uyanda ukuba wena neqabane lakho ningaphezu kweminyaka engama-65 ubudala: Iqala kwi-$27.800 yokufaka ngokudibeneyo.
"Ngamanye amaxesha oku kungenxa yokuba umvuzo wabo ungaphantsi kwemida ethile okanye ngenxa yeentlobo zengeniso abanayo," utshilo uCurtis. "Ngokomzekelo, uKhuseleko lweNtlalo luxhomekeke kwimiqathango yerhafu, ngoko ke ukuba lowo ngumthombo oyintloko wengeniso yomntu, akufuneki ukuba afake ukubuyisela irhafu."
