Umzekelo wokuxhuzulwa kwinzala yemali-mboleko
Ukuba urenta inxalenye yesakhiwo ohlala kuso, unokubanga isixa seendleko zakho ezinxulumene nenxalenye yesakhiwo eso. Kufuneka wahlule iindleko ezinxulumene nayo yonke ipropati phakathi kwenxalenye yakho yobuqu kunye nendawo erentwayo. Unokwahlula iindleko usebenzisa iimitha zesikwere okanye inani lamagumbi owarentayo kwisakhiwo.
Ukuba urenta amagumbi ekhayeni lakho kumqeshi okanye umntu ohlala naye, ungabanga zonke iindleko kwiqela elirentayo. Ungaphinda ubange inxalenye yeendleko zamagumbi kwikhaya lakho ongawaqeshiyo kwaye asetyenziswa nguwe nomqeshi wakho okanye umntu ohlala naye. Unokusebenzisa izinto ezinjengokufumaneka kokusetyenziswa okanye inani labantu ababelana ngegumbi ukubala iindleko zakho ezivumelekileyo. Ungakwazi nokubala ezi zixa ngokuqikelela ipesenti yexesha umqeshi okanye umntu ohlala naye alichitha kuloo magumbi (umzekelo, ikhitshi kunye negumbi lokuhlala).
URick urenta amagumbi amathathu kwindlu yakhe enamagumbi ali-3. Awuqinisekanga ukuba ungazahlula njani iindleko xa uxela umvuzo wakho wokurenta. Iindleko zikaRick yirhafu yepropathi, umbane, i-inshorensi, kunye neendleko zokubhengeza abaqeshi kwiphephandaba lasekuhlaleni.
Ukutsalwa kwenzala ye-IRS yokubambisa
Akukho nto ingako malunga neerhafu ezivuyisa abantu, ngaphandle kwaxa kufikwa kumbandela wokutsalwa kwemali. Ukuxhuzulwa kwerhafu ziindleko ezithile ezenziwe kunyaka wonke werhafu ezinokuthatyathwa kwingeniso erhafiswayo, ngaloo ndlela kuthotywa isixa semali ekufuneka irhafiswe.
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 neemfuno ezikhankanywe ngasentla (ukuthenga, ukwakha okanye ukuphucula) kwaye ikhaya ekuthethwa ngalo lisetyenziselwa ukukhusela imali-mboleko.
Kutheni inzala yam yemali-mboleko ingatsalwa?
Njengomgaqo oqhelekileyo, unokutsala kuphela iindleko zokubolekwa kwezindlu, kwaye kuphela ukuba uthatha izinto ezitsalwayo. Ukuba uthatha ukutsalwa okusemgangathweni, unokungahoyi lonke olu lwazi kuba aluyi kusebenza.
Qaphela: Sihlola kuphela ukutsalwa kwerhafu ye-federal kunyaka werhafu ka-2021, efakwe ngo-2022. Ukutsalwa kwerhafu yelizwe kuya kwahluka. Eli nqaku lenzelwe iinjongo zolwazi ngokubanzi kuphela. IiNgxelo zeMortgage ayisiyowebhusayithi yerhafu. Jonga i-Internal Revenue Service (IRS) imithetho kunye nochwepheshe berhafu abaqeqeshiweyo ukuqinisekisa ukuba basebenza kwiimeko zakho zobuqu.
Olona ncedo lukhulu lwerhafu kufuneka luvele kwinzala yemali-mboleko oyihlawulayo. Le asiyontlawulo yakho yenyanga epheleleyo. Imali oyihlawulayo kwinqununu yemali mboleko ayitsalwa. Kuphela yinxalenye yomdla.
Ukuba imali-mboleko yakho ibisebenza nge-14 kaDisemba 2017, unokutsala inzala ukuya kuthi ga kwi-1 yezigidi zeedola ematyaleni (i-$ 500.000 nganye, ukuba utshatile ufaka ngokwahlukeneyo). Kodwa ukuba uthathe imali-mboleko yakho emva kwalo mhla, ikepusi yi-750.000 yeedola.
Ukutsalwa kwenzala yemali-mboleko
Ukutsalwa kwenzala yemali-mboleko kuthetha ukuba inzala ye-mortgage ehlawulwe kwisigidi sokuqala seerandi zetyala lendlu inokutsalwa kwiirhafu zakho kude kube ngu-2025. Nangona kunjalo, ukuba uthenge ikhaya lakho emva kwe-15 kaDisemba 2017, ukutsalwa kwakho kuthintelwe kwinzala yokuqala. I-$ 750.000 yetyala le-mortgage. Ukugqiba ukwenza iirhafu zakho kunokuba yinzuzo enkulu ukuba i-mortgage yakho isondele kumda, kodwa unokufuna ukuthetha nomcebisi wezemali ukuze ubone ukuba ukutsalwa okuqhelekileyo kusakunceda ngakumbi.
Ukuxhuzulwa kwinzala yemali-mboleko yenzelwe ukukhuthaza ubunini bendlu. Nangona kunokuthi kuxoxwe ngayo ukuba uyayenza, ithatha umthwalo wentlawulo yakho yemali mboleko kuwe. Kanye njengokuba abanini-mhlaba benokuthi batsale inzala yemali-mboleko kwiipropati ezirentwayo abanazo, nabani na ongumnikazi wendlu unokutsala inzala yemali-mboleko kwingeniso erhafiswayo, ngaloo ndlela ehlisa ityala labo lerhafu.
Abanini bezindlu abanokuthi bathathe inzala yabo yokuboleka imali ukuya kuthi ga kwi-750.000 yeedola zetyala lokuthenga ikhaya (okanye ukuya kuthi ga kwi-1 yezigidi zeedola ukuba ityala lenziwe ngomhla okanye ngaphambi kwe-15 kaDisemba 2017). Indlu inokuba yeyesibini ukuba nje awuyirenti okanye uyirenta kuphela ixesha elithile. Ungaphinda ucele ukuba kutsalwe kuzo zombini ikhaya eliphambili kunye nelesibini ikhaya, ukuya kuthi ga kumda.
