Indlela yokufaka irhafu ukuba uthenge indlu nomntu
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.
Ukutsalwa kwenzala yemali-mboleko
Xa uthenga, uthengisa okanye uhlawulela ikhaya, iindleko zokuvala ziyinxalenye ebiza kakhulu yentengiselwano. Kwaye ngelixa uninzi lwabahlawuli berhafu kufuneka bathathe ukutsalwa okusemgangathweni endaweni yokutsalwa kwerhafu kwingeniso yabo ukuze bakhulise ukonga, unyaka owuthengayo okanye ohlaziyayo ikhaya unokuba yinto eyahlukileyo.
Iindleko zokuvala zingakhokelela kwiindleko ezixhuzulwa irhafu ezingenziwanga kunyaka oqhelekileyo wobunini bendlu, kwaye ezo ndleko ezongezelelweyo zinokukutyhala ngaphezu komqobo apho kwenza ingqiqo yezemali ukuba iiteize.
Ayizizo zonke iindleko zokuvala ezitsalwayo. Ngokubanzi, iindleko ezinokuthi zithathwe njengerhafu okanye inzala ziyaxhuzulwa. Kodwa, njengoko uza kufunda ngezantsi, i-IRS ihlela ezinye iindleko njengenzala umntu ophakathi angayithatheli ngqalelo. Unganakho ukutsala iindleko zokuvala ngaphezulu kunokuba ucinga.
Apha ngezantsi siza kuchaza iindleko zokuvala onokuthi uzitsale ekuthengeni ikhaya, kunye nazo naziphi na iingqwalasela ezikhethekileyo ezinokuchaphazela imali onokuthi uyitsale okanye unyaka werhafu onokuthi ngawo ubange lokutsalwa.
Okokuqala, kufuneka wazi iimali zangoku zokuxhuzulwa okusemgangathweni. Ngeembuyekezo zerhafu zika-2020 ezifakwe ngo-2021, ukutsalwa okusemgangathweni yi-12.400 yeedola zabantu, i-18.650 yeedola kwiintloko zemizi, kunye ne-24.800 yeedola kwizibini ezitshatileyo ezifaka kunye kunye namaqabane aphilayo.
Ukutsalwa kwerhafu yendawo yokuhlala
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 ihlawulwe kwiirhafu.
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 nezi mfuno zingasentla (ukuthenga, ukwakha okanye ukuphucula) kwaye ikhaya ekuthethwa ngalo lisetyenziselwa ukukhusela imali-mboleko.
Ikhatyhuleyitha yeenzuzo zerhafu zokuba nekhaya
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.
Esona siqabu sakho kwirhafu kufuneka siphume kwinzala 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.
