Iimpawu ezilumkisayo ngamatyala angachazwanga
Ukuba ufuna imali-mboleko exhaswa ngurhulumente, izikhokelo zomvuzo wesiqinisekiso semali mboleko zibhalwe ngokungqongqo. Ezo mboleko zixhaswa ngurhulumente zivela kwi-Federal Housing Administration (imali-mboleko ye-FHA), iMicimbi ye-Veterans (imali-mboleko ye-VA), kunye neSebe lezoLimo (i-USDA mboleko).
Kwiimeko ezinqabileyo kakhulu, ababolekisi banokuyekelela imigangatho ethile yengeniso kubaboleki abathandwayo. Ngokomzekelo, masithi ubuneziko lasekuhlaleni amashumi eminyaka. Ukuba uyazi ukuba unembali yokuhlawula engenachaphaza kunye nenqaku lekhredithi ye-stellar, unokuvuma ukukhulula ipolisi kancinane.
Konke okufuneka ukwenze kuxwebhu lokuba undwendwe ngalunye luhlala. Kwaye kufuneka ubonise ukuba ubufumana umvuzo ngokungaguqukiyo ubuncinane kwiinyanga ezili-12 ezidlulileyo: isivumelwano sokurenta, iitshekhi ezicinyiweyo, okanye idiphozithi yenyanga kwiisiteyitimenti zebhanki inganceda.
Akulunganga, kodwa ukuba iqabane lakho langaphambili liyibhum engahlawuli rhoqo i-alimony okanye inkxaso yabantwana, usenokungakwazi ukubala loo mvuzo. Nokuba unomyalelo wenkundla ongenamanzi okanye isivumelwano sokwahlulwa. Kuba kuya kufuneka ubonakalise ubungqina bokuba ufumene iintlawulo “ezipheleleyo, zesiqhelo nezifika ngexesha” kangangeenyanga ezintandathu ubuncinane.
Imbali yetyala engachazwanga
Olu papasho lunelayisensi phantsi kwemiqathango yeLayisensi yoRhulumente oVulekileyo v3.0, ngaphandle kwalapho kuchazwe ngenye indlela. Ukujonga eli phepha-mvume ndwendwela nationalarchives.gov.uk/doc/open-government-licence/version/3 okanye ubhalele iQela loMgaqo-nkqubo woLwazi, i-National Archives, Kew, London TW9 4DU, okanye i-imeyile: [imeyile ikhuselwe].
IPhulo lokuRenta iPropati lithuba lokuba abanini abatyala irhafu yerenti yendawo yokuhlala, e-UK okanye kumazwe aphesheya, ukuba baqhelane nemicimbi yabo yerhafu ngendlela elula kwaye baxhamle kwezona meko zingcono.
Abanini-mhlaba abangabanini abadibeneyo nomyeni wabo, inkosikazi, okanye iqabane lasekhaya bafanele bafunde i-PIM1030 yePropati yeNgeniso yeNgeniso isikhokelo phantsi komxholo othi “Joint Ownership: Indoda noMfazi okanye iQabane laseKhaya.” Kwakhona kufuneka bafunde umgaqo wama-50/50 ochazwe kwiTrasti, ukuHlaliswa kunye neMafama Manual TSEM9800.
Usenako ukufaka ingxelo kwaye ulungise imicimbi yakho yerhafu ngaphandle kwePhulo lokuRenta iPropati. Isiteyitimenti sakho asiyi kuba yinxalenye yePhulo lokuRentwa kwezindlu kunye nemiqathango enikelwe apha ayizukufumaneka.
Ngaba ababolekisi bezindlu bajonge into oyichithayo?
Ukuba isicelo sakho semali-mboleko siyakhatywa, kukho izinto ezininzi onokuzenza ukuze uphucule amathuba akho okuvunywa kwixesha elizayo. Musa ukukhawuleza uye komnye umbolekisi, njengoko isicelo ngasinye sinokuvela kwifayile yakho yetyala.
Naziphi na iimali mboleko oye waba nazo kule minyaka mithandathu idlulileyo ziya kubonakala kwirekhodi yakho, nokuba uzihlawule ngexesha. Kunokubala ngokuchasene nawe, njengoko ababolekisi benokucinga ukuba awuyi kukwazi ukuhlawula uxanduva lwemali yokubambisa.
Ababolekisi abafezekanga. Uninzi lwazo lufaka idatha yesicelo sakho kwikhompyuter, ngenxa yoko awunakunikwa imali mboleko ngenxa yempazamo kwifayile yakho yetyala. Umbolekisi akunakwenzeka ukuba akunike isizathu esithile sokungaphumeleli kwisicelo sekhredithi, ngaphandle kokuba sinxulumene nefayile yakho yekhredithi.
Ababolekisi baneenqobo zokubhala phantsi ezahlukeneyo kwaye bathathele ingqalelo inani lezinto xa bevavanya isicelo sakho semali-mboleko. Zinokusekelwe kwindibaniselwano yobudala, umvuzo, ubume bengqesho, umlinganiselo wemali-mboleko-kwixabiso, kunye nendawo yepropathi.
Yintoni ongayithethi kumbolekisi we-mortgage
Rhoqo ngonyaka, iNkonzo yeNgeniso yangaphakathi (IRS) inezigidi zeerandi kwimbuyekezo yerhafu engathunyelwanga okanye engafunwanga. Iitshekhi zeMbuyiselo yeRhafu engathunyelwanga zithunyelwa kwidilesi yakho yokugqibela eyaziwayo. Ukuba uhamba ngaphandle kokwazisa i-IRS okanye iNkonzo yePosi yase-United States (USPS), itshekhi yakho yembuyekezo ingabuyiselwa kwi-IRS Ukuba ubulindele imbuyekezo yerhafu yomanyano kwaye awuyifumenanga, jonga i-IRS Apho Ikhona iphepha. . Kuya kufuneka ufake inombolo yakho yoKhuseleko lweNtlalo, imeko yokufayilisha, kunye nenani elichanekileyo ledola yembuyekezo yakho. Usenokucelwa ukuba utshintshe idilesi yakho kwi-intanethi. Unokufowunela i-IRS ukujonga ubume bembuyekezo yakho. Ixesha lokulinda lokuthetha nommeli linokuba lide. Kodwa unokukuphepha ukulinda ngokusebenzisa inkqubo yefowuni ezenzekelayo. Ukuba uyashukuma, faka uTshintsho lweDilesi – iFomu 8822 nge-IRS; kufuneka kwakhona ufake i Utshintsho Idilesi kunye USPS Ukubuyiselwa kweRhafu yeRhafu eNgafunwayo Ukuba unelungelo lokubuyiselwa irhafu yomanyano kwaye ungayifaki imbuyekezo, ke imbuyekezo yakho ayiyi kubangwa. Nokuba awunyanzelekanga ukuba ufayilishe, unokuxhamla ekufakeni ifayile ukuba: y/okanye awufakanga mbuyekezo yerhafu kuba umvuzo wakho ubungaphantsi kwemfuneko yokufayilisha. Kodwa usenako ukufaka imbuyekezo kwisithuba seminyaka emithathu yomhla wokugqibela wokufaka imbuyekezo ukuze ufumane imbuyekezo yakho Iitshekhi zokuBuyiselwa kweMbulelo yeSizweUkufumana ulwazi malunga netshekhi yembuyekezo yerhafu karhulumente, qhagamshelana nesebe likarhulumente wakho lengeniso.
