Umzekelo wokuxhuzulwa kwinzala yemali-mboleko
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.
Ukuxhuzulwa kwenzala ye-Mortgage vs
Ukwandisa inzala yakho yokutsalwa kwerhafu, sebenzisa zonke izinto ozitsalwayo ukuze ugqithe kutsalo oluqhelekileyo lwerhafu yengeniso evunyelwa yiNkonzo yeNgeniso yaNgaphakathi. Ukutsalwa komgangatho womanyano kuphezulu ngokwaneleyo kangangokuba awukwazi ukwenza ibango lokutsalwa kwenzala yemali-mboleko ngaphandle kokuba unengeniso ebalulekileyo. Ukuba ubango lokuxhuzulwa, uya kufumana isiqabu ngakumbi kwirhafu ngokuye uphezulu umvuzo wakho kunye nendlu-mboleko, ukuya kuthi ga kumda we-$750.000.
Ukutsalwa kwerhafu yenzala yemali-mboleko yinzuzo yerhafu efumanekayo kubanini-zindlu abathi batsalwe kwirhafu yengeniso yomanyano. Amazwe ahlawulisa irhafu yengeniso anokuvumela abaninimzi ukuba bafune oku kuxhuzulwa kwiimbuyekezo zabo zerhafu, kungakhathaliseki ukuba bayayibhala kwiimbuyekezo zabo. INew York ngumzekelo.
Inzala oyihlawulayo iyancipha kancinci nyanga nganye, kwaye ngaphezulu kwentlawulo yakho yenyanga iya kwinqununu. Ke ngoko, inzala yemali-mboleko yonyaka ayiyi kuba yi-12.000 yeedola, kodwa kunokuba i-$ 11.357 okanye i-$ 12.892.
Ithini inzala yemali-mboleko?
Xa uhlawula imali mboleko yendlu, iintlawulo zenziwa phantse yonke inzala kwaye kungekhona inqununu kwiminyaka embalwa yokuqala. Nasemva kwexesha, inxalenye yenzala isenokuba yinxalenye ebalulekileyo yeentlawulo zakho. Nangona kunjalo, unokutsala inzala oyihlawulayo ukuba imali-mboleko ihlangabezana neemfuno ze-IRS zokubambisa.
Ukuze iintlawulo zakho zokubambisa zibe phantsi kokutsalwa kwenzala, imali-mboleko kufuneka igcinwe likhaya lakho, kwaye imali efunyenwe kwimali-mboleko kufuneka isetyenziselwe ukuthenga, ukwakha, okanye ukuphucula indawo yakho yokuhlala esisiseko, kunye nelinye ikhaya okukokwakho kananjalo ukusebenzisela iinjongo zakho.
Ukuba urenta ikhaya lakho lesibini kubaqeshi apha enyakeni, ngoko ke alisetyenziselwa iinjongo zobuqu kwaye awunalungelo lokuxhuzulwa kwinzala yemali-mboleko. Nangona kunjalo, amakhaya aqeshisayo anokutsalwa ukuba uyawasebenzisa njengendawo yokuhlala ubuncinci beentsuku ezili-15 ngonyaka okanye ngaphezulu kwe-10% yeentsuku oziqeshisa ngazo kubaqeshi, nokuba yeyiphi na enkulu.
I-IRS ibeka imida eyahlukeneyo kwisixa senzala onokuthi uyitsale ngonyaka. Kwiminyaka yerhafu phambi kuka-2018, inzala ehlawulwe ukuya kuthi ga kwi-100.000 yezigidi zeedola zokufumana ityala liyatsalwa ukuba uyatsalwa. Inzala kwimali eyongezelelweyo yeedola ezili-XNUMX etyaleni inokutsalwa ukuba iimfuno ezithile ziyafezekiswa.
hamba ishedyuli a
I-Arhente yeRhafu yazise uthintelo kwisixa-mali senzala yemali-mboleko efumanekayo kwiinkampani ezithengisa izindlu nomhlaba. Sekunjalo, ukuba uqhuba ishishini lokurentisa ngepropati unokufumanisa ukuba ukuhlengahlengisa imali-mboleko yakho phakathi kwezakhiwo kusenokuba nenzuzo enkulu yerhafu.
Ukusukela kunyaka-mali ka-2017/18, uthintelo luyaqaliswa ukucutha umnyinyiva kwinzala yemali-mboleko efumanekayo kumnini-mhlaba ngamnye ukuze kucuthwe irhafu yengeniso yepropathi kwiqondo lerhafu yengeniso esisiseko.
Olu tshintsho luchaphazela iipropati ezineendleko ezinkulu zemali ukuya kwinqanaba elikhulu, oko kukuthi, xa iimali-mboleko ezinkulu zisetyenziselwe ukuhlawula ukuthengwa kwepropati. Abanye abanini-mhlaba banokuphela behlawula irhafu yengeniso kwiipropati ezirentwayo ngelahleko. Ke ngoko, kubaluleke kakhulu kunakuqala ukonyusa isixa senzala ekunokuthi kufakwe ibango ngalo isiqabu.
Ukuba ngaba ungumnikazi wepropati engeyiyo indawo yakho yokuhlala ephambili, unokungasisebenzisi kakhulu isixa-mali somnyinyiva werhafu onokufaka ibango lenzala yemali-mboleko. Oku kungenxa yokuba i-Arhente yeRhafu ivumela inzala kwimali-mboleko ekwikhontrakthi ngeenjongo zoshishino ukuba itsalwe xa kubalwa iingeniso zaloo nkampani. Oku kuthetha ukuba ukuba unokutshintshiselana ngemali mboleko engeyiyo eyeshishini kwimali mboleko yeshishini, uya kuba nakho ukonyusa isixa-mali soncedo lwenzala olukhoyo.
