Indlela yokufuna imoto yakho entsha ayikhokhi ntela

Lapho uthenga imoto entsha, cishe uzoxhasa iningi lokuthenga kwakho. Bambalwa abangakhokha inani eliphelele ngaphambili. Uma ungakwazi ukuthola inzalo engu-0% emalini ebolekiwe yemoto, imigomo yakho yokukhokha izoba...

Uma uthenga imoto entsha, cishe uzokhokhela iningi lokuthenga kwakho. Bambalwa abangakhokha inani eliphelele ngaphambili. Uma ungakwazi ukuthola inzalo engu-0% emalini ebolekiwe yemoto, imigomo yakho yokubuyisela izohlanganisa inzalo enanini eliyinhloko lemali mboleko.

Izimo zezimali zincike esimweni sakho sezezimali. Uma unekhredithi enhle kakhulu, ngokuvamile unelungelo lokuthola amanani enzalo aphansi kakhulu. Uma unesikweletu esibi, ungase ungakufanelekeli ukubolekwa imoto noma kungase kudingeke ukhokhe inzalo ephezulu. Uma unolwazi oluncane lwezikweletu, ungase ungakwazi ukubolekwa imoto noma kungase kudingeke ukhokhe inzalo ephezulu.

Kunoma isiphi isimo, ufuna ukonga imali eningi ngangokunokwenzeka. Nakuba imoto yakho siqu ingadonswa intela, ikhona indlela yokufuna inzalo yemalimboleko yemoto njengezindleko zamahhala zentela.

Kungakhathaliseki ukuthi unesikweletu esihle, isikweletu esibi, noma awunaso isikweletu, uma unokulingana ekhaya lakho, ungakwazi ukushintsha inzalo oyikhokhayo emalimboleko yemoto yakho ibe yizindleko zamahhala zentela.

Ingxenye 1 koku-3: Thola umugqa wokulingana ekhaya wesikweletu

Umugqa wokulingana ekhaya wesikweletu, owaziwa nangokuthi i-HELOC, usebenzisa ukulingana onakho ekhaya lakho njengomthombo ukuze uboleke ngombolekisi wakho.

Isinyathelo 1: Thola Imali Etholakalayo. Inani lokulingana kwendlu yakho ekhaya lakho inani elifanele ikhaya lakho emakethe yamanje yezindlu, kukhishwe lokho okukweletayo ngendawo.

Ngokuvamile, i-HELOC izoxhasa ngezimali kuphela kufika ku-80% yenani lendlu yakho, kukhishwe lokho okukweletayo ngendawo.

Isibonelo, uma ikhaya lakho libiza u-$200,000 emakethe yamanje futhi ukweleta u-$120,000 wemali ebolekiwe, unenani eliphelele lama-$80,000 ekhaya lakho. Uma umbolekisi wakho exhasa kuphela u-80% yenani lendlu yakho, okungu-$US 160,000, khona-ke inani lakho le-HELOC elitholakalayo lingu-$40,000, okuwumehluko phakathi kwalokho okukweletayo kanye no-80% yenani lemakethe lendawo yakho.

Isinyathelo sesi-2: Cabangela izinketho nombolekisi wakho. Xoxisana nombolekisi wakho ngezinketho onazo zomugqa wokulingana ekhaya wesikweletu.

Uma usuthole umugqa wesikweletu, ungaqala inqubo yokuthenga imoto enenzalo engakhokhi intela.

Ingxenye 2 koku-3: Thenga imoto enomugqa wokulingana wasekhaya wesikweletu

Isinyathelo 1: Qeda inkontileka yokuthengisa. Dala inkontileka yokuthengisa nomdayisi wezimoto ukuze uthenge imoto oyifunayo.

Inani lendali lizokhokhwa ngokugcwele uma usebenzisa umugqa wokulingana wesikweletu, ngakho unendawo eyengeziwe yokuxoxisana nomthengisi ukuze uthole idili elingcono kakhulu.

• ImisebenziIMP: Uma ungasebenzisi izinketho zezezimali zomthengisi, uvamise ukufaneleka ukuthola izaphulelo zemali zamadola ayizinkulungwane ezimbalwa, ikakhulukazi njengoba ususondele ekupheleni konyaka oyimodeli. Thatha ithuba lezaphulelo zemali ukuze wehlise intengo yakho yokuthengisa.

Isinyathelo sesi-2: Sebenzisa i-HELOC yakho ukuze ukhokhe. Qedela ukuthengisa ngenkokhelo evela ku-HELOC yakho.

Thola isheke noma isheke lasebhange ngenani lendali evela kumboleki wakho ngenani eligcwele lendali. Ungafuna kuphela inzalo enanini elikhokhelwe ku-HELOC yakho.

• UkuvimbelaIMPENDULO: Uma usebenzisa umugqa wesikweletu wemalimboleko ukuthenga imoto, kufanele wazi ukuthi ikhaya lakho liyimpahla eyinhloko emalimboleko, hhayi imoto. Uma wehluleka ukwenza inkokhelo kumugqa wakho wesikweletu, ikhaya lakho lingase liphucwe isikhungo sakho sezezimali.

Ingxenye 3 kwezi-3: Funa inzalo emotweni yakho uqhathanisa nentela engenayo

Isinyathelo 1: Thola inzalo ekhokhwa ku-HELOC yakho yonyaka.. Engeza izinkokhelo zenzalo eziphawulwe emibikweni yakho yanyanga zonke ukuze uthole isamba sonyaka.

Ungaxhumana nesikhungo sakho sezezimali ukuze uthole isifinyezo se-akhawunti.

Isithombe: Isevisi Yemali Engenayo Yangaphakathi

Isinyathelo sesi-2: Gcwalisa idokhumenti yentela. Gcwalisa Ifomu 1040 Uhlelo A lwentela yakho yentela.

Ishadi A liyifomu orekhoda kulo izimali ezibanjwayo zonyaka. Gcwalisa inani lenzalo evela ku-HELOC yakho kulayini we-10 wefomu.

Uma udinga ukufaka amanye amanani kulayini we-10, Inzalo Yendluzula kanye Namaphuzu Efomu 1098, wengeze ndawonye. Ibhange lakho kufanele lifake Ifomu 1098 kwa-IRS ukuze uthole inzalo ezuzwe esikweletini sakho, ngakho qiniseka ukuthi izinombolo zakho zinembile.

• UkuvimbelaIMP: Ukungqubuzana kolwazi kungase kubangele ukubambezeleka ekucubunguleni amafomu akho entela ngisho nezinhlawulo zokugcwalisa ifomu lentela eliwumgunyathi.

Isinyathelo sesi-3: Faka incwadi yakho yentela nge-IRS, okuhlanganisa no-Exhibit A.. Ungase udinge ukufaka amadokhumenti asekelayo ukuze uthole izinkokhelo zenzalo uma kudingwa yi-IRS.

Ngaphambi kokuthenga imoto usebenzisa ulayini wesikweletu we-Home Equity ukuze ufune inzalo njengedonswa intela, thintana ne-accountant yakho noma uchwepheshe wentela ukuze ubone ukuthi lokhu kusemthethweni yini esimweni sakho futhi ucele omunye wochwepheshe abaqinisekisiwe be-AvtoTachki ukuthi enze uphenyo lokuqala. – ukuhlola ukuthenga ukuze uqiniseke ukuthi imoto isesimweni esiphezulu.