Izimpawu eziyisixwayiso zezikweletu ezingadalulwanga
Uma ufuna imali ebolekiwe esekelwa uhulumeni, imihlahlandlela yemali engenayo yeziqu ze-mortgage ibhalwe ngokuqinile. Lezo zindlu ezibolekiwe ezisekelwa uhulumeni zivela kuFederal Housing Administration (FHA loans), Veterans Affairs (VA loans), kanye noMnyango Wezolimo (imalimboleko ye-USDA).
Ezimweni ezingavamile kakhulu, ababolekisi bangase baxegise izindinganiso ezithile zemali engenayo kubaboleki abathandwayo. Ngokwesibonelo, ake sithi ubunebhizinisi lendawo amashumi eminyaka. Uma azi ukuthi unomlando wokukhokha ongenachashaza kanye nesikolodo esihle kakhulu, angase azimisele ukuxegisa inqubomgomo kancane.
Okufanele ukwenze ukubhala ukuthi isivakashi ngasinye sisendaweni yokuhlala. Futhi kufanele ubonise ukuthi ubuthola imali engenayo ngokungaguquki okungenani izinyanga eziyi-12 ezedlule: isivumelwano sokuqasha, amasheke akhanseliwe, noma idiphozithi yanyanga zonke ezitatimendeni zasebhange zingasiza.
Akulungile, kodwa uma owawushade naye engubhumu ongakhokhi njalo imali yesondlo noma isondlo sengane, ungase ungakwazi ukubala leyo mali. Ngisho noma unomyalelo wenkantolo ongangenisi amanzi noma isivumelwano sokwehlukana. Ngoba kuzodingeka ukhombise ukuthi uthole izinkokhelo "ezigcwele, ezijwayelekile nezifika ngesikhathi" okungenani izinyanga eziyisithupha.
Umlando wesikweletu ongadalulwanga
Lokhu kushicilelwa kunikezwe ilayisense ngaphansi kwemibandela ye-Open Government License v3.0, ngaphandle kwalapho kuphawulwe ngenye indlela. Ukuze ubuke le layisense vakashela ku-nationalarchives.gov.uk/doc/open-government-licence/version/3 noma ubhalele Ithimba Lenqubomgomo Yolwazi, I-National Archives, Kew, London TW9 4DU, noma i-imeyili: [i-imeyili ivikelwe].
Umkhankaso Wokuqashiswa Kwezakhiwo uyithuba labanikazi abakweleta intela yokuqasha indawo yokuhlala, e-UK noma phesheya, ukuze bazi ngezindaba zabo zentela ngendlela elula futhi bazuze ezimeni ezingcono kakhulu ngangokunokwenzeka.
Abanikazi bezindlu abangabanikazi abahlanganyeli nomyeni wabo, inkosikazi, noma abalingani basekhaya kufanele bafunde isiqondiso seManuwali Yemali Engenayo Yempahla ye-PIM1030 ngaphansi kwesihloko esithi “Ubunikazi Bokuhlanganyela: Umyeni Nonkosikazi noma Uzakwethu Wasekhaya.” Kufanele futhi bafunde umthetho we-50/50 ochazwe ku-TSEM9800 Trusts, Settlements and Estates Manual.
Usengenza isitatimende futhi ulungise izindaba zakho zentela ngaphandle Komkhankaso Wokuqashisa Indawo. Isitatimende sakho ngeke sibe yingxenye yomkhankaso wokuqashiswa kwezindlu futhi imibandela enikezwa lapha ngeke itholakale.
Ingabe Ababolekisi Bezindlu Babuka Lokho Okusebenzisayo?
Uma isicelo sakho semali mboleko sinqatshwa, kunezinto ezimbalwa ongazenza ukuze uthuthukise amathuba akho okugunyazwa ngokuzayo. Ungasheshi ukuya komunye umbolekisi, njengoba isicelo ngasinye singase sivele kufayela lakho lesikweletu.
Noma yiziphi izikweletu zosuku lokukhokha othole eminyakeni eyisithupha edlule zizovela kurekhodi lakho, ngisho noma uzikhokhe ngesikhathi. Kungamelana nawe, njengoba ababolekisi bengase bacabange ukuthi ngeke ukwazi ukukhokhela umthwalo wemfanelo wezezimali wokuba ne-mortgage.
Ababolekisi abaphelele. Abaningi babo bafaka idatha yohlelo lwakho lokusebenza kukhompuyutha, ngakho-ke kungenzeka ukuthi imali mboleko ayizange inikezwe ngenxa yephutha kufayela lakho lesikweletu. Umabolekisi mancane amathuba okuthi akunikeze isizathu esithile sokwehluleka ukufaka isicelo sekhredithi, ngaphandle kokuthi sihlobene nefayela lakho lesikweletu.
Ababolekisi banemibandela ehlukene yokubhala ngaphansi futhi bacabangela izici ezimbalwa lapho behlola isicelo sakho semalimboleko. Angasekelwe kwinhlanganisela yobudala, imali engenayo, isimo sokuqashwa, isilinganiso semalimboleko ukuya kwenani, nendawo yendawo.
Okungafanele ukukusho kumabolekisi wezindlu
Njalo ngonyaka, i-Internal Revenue Service (IRS) inezigidi zamadola ezimbuyiselo zentela ezingalethwanga noma ezingafunwanga. Amasheke Okubuyiselwa Kwembuyiselo Yentela Yenhlangano Engaleveki athunyelwa ekhelini lakho lokugcina elaziwayo. Uma uhamba ngaphandle kokwazisa i-IRS noma Isevisi Yeposi yase-United States (USPS), isheke lakho lembuyiselo lingabuyiselwa ku-IRS. Uma ubulindele ukubuyiselwa kwemali yentela yombuso kodwa ungayitholanga, hlola ikhasi le-IRS Lapho Ikhona. imbuyiselo yami . Uzodinga ukufaka inombolo yakho Yokuphepha Komphakathi, isimo sokugcwalisa, kanye nenani eliqondile ledola lembuyiselo yakho. Ungase ucelwe ukuthi ushintshe ikheli lakho ku-inthanethi. Ungaphinda ushayele i-IRS ukuze uhlole isimo sembuyiselo yakho. Isikhathi sokulinda sokukhuluma nommeleli singaba side. Kodwa ungakugwema ukulinda ngokusebenzisa uhlelo lwefoni oluzenzakalelayo. Uma uhamba, fayela Ushintsho Lwekheli - Ifomu 8822 nge-IRS; kufanele futhi ufake Ushintsho Lwekheli ne-USPS. Ukubuyiselwa Kwentela Yombuso Okungafunwa Uma unelungelo lokubuyiselwa imali yentela yombuso futhi ungafayela imbuyiselo, imbuyiselo yakho ngeke ifunwe. Ngisho noma kungadingeki ukuthi ugcwalise, ungase uzuze ekugcwaliseni uma: y/noma ungakayifaki imbuyiselo yentela ngenxa yokuthi umholo wakho ubengaphansi kwemfuneko yokugcwalisa. Kodwa usengakwazi ukufaka imbuyiselo phakathi neminyaka emithathu yomnqamulajuqu wokufaka ukuze uthole imbuyiselo yakho.Amasheke Wembuyiselo Yesifunda Ukuze uthole ulwazi mayelana nesheke lembuyiselo yentela yesifunda sakho, xhumana nomnyango wakho wezimali wesifundazwe.
