Apho ubika khona i-1099-c ngo-1040 ngo-2020
Unyamezelo lwemali-mboleko ye-coronavirus luncede izigidi zabanini-zindlu baseMelika abajongana nobunzima ngenxa yelahleko enxulumene nobhubhane yomvuzo wokuhlala ezindlini zabo. Urhulumente womanyano usandula ukwandisa unyamezelo kubugebenga, evumela abaninimzi ukuba barhoxise okwethutyana intlawulo yezindlu zokuboleka imali ukuya kuthi ga kwiinyanga ezili-15, ukusuka kwiinyanga ezili-12 zokuqala. Kodwa kwabanye abaninimzi, olu ncedo lusenokunganelanga. Bafuna nje ukuba baphume kwimali-mboleko yabo.
Ukuba uziva ufuna ukubaleka imali yakho yokubambisa kuba awukwazi ukuhlawula, awuwedwa. Ukusukela ngoNovemba ka-2020, i-3,9% yemali yokubambisa yayinetyala elibi, okuthetha ukuba bekusele kudlule iintsuku ezingama-90, ngokwenkampani yedatha yezindlu nemizi iCoreLogic. Eli zinga lobunjubaqa laliphindwe kathathu kunenyanga enye ngo-2019, kodwa lehle kakhulu ukusuka kubhubhane oluphezulu lwe-4,2% ngo-Epreli ka-2020.
Nangona ukulahlekelwa ngumsebenzi kuyisizathu esinye sokuba abaninimzi bafune indlela yokubalekela i-mortgage, ayisiyiyo yodwa. Uqhawulo-mtshato, iindleko zonyango, umhlala-phantsi, ukufuduka ngenxa yomsebenzi, okanye ikhadi lokuthenga ngetyala elininzi okanye amanye amatyala asenokuba nguthunywashe abaninimzi abasenokufuna ukuphuma kuwo.
Ukuba ndifumana i-1099-c, ingaba ndisalityala ityala?
Ukuba urhoxisa imali oyibambisileyo ngezoqoqosho ebhankini kodwa ungaze wazise iRejistri yePropati, i-mortgage iya kuqhubeka ibhalisiwe ngokuchasene nepropati. Ukuba uthatha isigqibo sokuthengisa ipropati yakho, umthengi uya kufumanisa ukuba kukho imali-mboleko kwipropati kwaye unokwala ukuthengiswa. Nokuba uxelela umthengi ukuba imali-mboleko yakho ivaliwe, mhlawumbi awuyi kuthenga ipropati kunye ne-mortgage kuwe.
UBhaliso loMhlaba luya kukhupha iNota Simple ebubungqina bobunini. Ukongeza, ikwazisa malunga neentlawulo (oko kukuthi, i-mortgages) kunye nokubulawa kunye nokuvalwa (oko kukuthi, ubugwenxa be-mortgage, amatyala eRhafu kwiNgeniso yaBantu baseNyameni (IBI)) ukuba ipropati igcina.
Okokuqala: Kufuneka uqhagamshelane nesebe lebhanki kwaye ucele ngokusemthethweni ukucinywa kwe-mortgage kwiRejista yoMhlaba. Kungcono ukwenza oku ngokubhalela kumphathi webhanki.
Kubalulekile ukugqamisa into yokuba unokohlwaywa yibhanki ngokucinywa. Xa isivumelwano se- mortgage sisayinwe, kuyinto eqhelekileyo ukuvumelana ngezinye iindleko kunye neentlawulo ezinxulumene nokucinywa kwe-mortgage. Ngoko ke, kubalulekile ukucela ibhanki ngeendleko zeendleko ezinxulumene nokucinywa ngaphambi kokuba uqhubeke. Ukongeza, kuya kufuneka kwakhona uhlawule imisebenzi yokurhoxiswa kwi-Notary yaseSpain kunye neendleko zobhaliso kwiRegistry yoMhlaba.
Ukucinywa kweemfuno ze- mortgage
Emva kweminyaka neminyaka yokuhlawula izavenge, lifikile ixesha, uya kuhlawula isavenge sokugqibela semali mboleko yakho. Kodwa ngokuqinisekileyo uyazibuza, ndenze ntoni ngoku, kufuneka ndenze ntoni xa ndigqibile?
Inyaniso kukuba awusenalo naliphi na ityala kwiziko lakho lezemali, kodwa oko akuthethi ukuba ugqibile nge-mortgage yakho kuba isabhalisiwe kwirejista kwaye oku kunokubangela iingxaki, ngoko ke uneendlela ezimbini ongakhetha kuzo:
Irejistri iya kuyicima ngokwayo, emva kweminyaka engama-20 (akukho nto); oko kukuthi, ngaphambi kwelo xesha, kuyo nayiphi na inkqubo yezemali ofuna ukuyenza, ulwazi luya kuhlala lukhona, uya kuba ne-mortgage.
Kule meko, iqumrhu lezemali linokuthi liphathiswe le nkqubo, engayi kukhululwa kwiindleko zolawulo kwiinkqubo ezinxulumene nazo; okanye singayenza ngokwethu, sigcina inxalenye (kodwa ingeyiyo yonke) yeendleko:
2. Yiya kummeli ukuze ucele uxwebhu olusemthethweni lokucinywa kwe-mortgage. Oku kufuneka kusayinwe ngummeli wequmrhu elinike i-mortgage, oya kwaziswa ngummeli (€ 200-300).
Iimfuno zokucinywa kwe-mortgage kwirejistri yezihloko
Umthetho we-Mortgage Debt Relief Act ka-2007 uvumela abahlawuli berhafu ukuba bangabandakanyi umvuzo wokuhlawula amatyala kwindawo yabo yokuhlala engundoqo. Ityala elincitshisiweyo ngohlengahlengiso lwe-mortgage, kunye netyala le-mortgage elixolelwe ngokunxulumene nokuvalwa, kufanelekile ukufumana isiqabu.
Isixa setyala elixolelweyo siya kuhlawulelwa irhafu ukuba ukuhlawulwa kungenxa yenkonzo enikwe umbolekisi okanye ngaso nasiphi na esinye isizathu esinganxulumananga ngokuthe ngqo nokuhla kwexabiso lendlu okanye imeko yemali yomhlawuli werhafu.
Ukuba uboleka imali kumbolekisi wezorhwebo kwaye umbolekisi wezorhwebo kamva uyacima okanye axolele ityala, unokufuna ukubandakanya imali ecinyiweyo kwingeniso ngeenjongo zerhafu, ngokuxhomekeke kwiimeko. Xa uboleka imali, bekungafuneki ukuba udibanise isixa-mali semali-mboleko njengengeniso kuba bekufuneka uyibuyisele kumbolekisi.
Xa loo mboleko ixolelwe kamva okanye icinyiwe, isixa-mali semali mboleko ongakhange uyibuyise sidla ngokuchazwa njengengeniso. Awusenalunyanzeliso lokubuyisela umbolekisi. Ngokubanzi, umbolekisi kufuneka achaze isixa setyala elicinyiweyo kuwe kunye ne-IRS kwiFomu 1099-C, Ukucinywa kweTyala.
