I-First-Time Counter Credits eCalifornia
Yintoni iRhafu yeMali?
Intlawulo yerhafu ibhetele kakhulu kunokwehliswa kweerhafu. Ukuncitshiswa kunciphisa imali engenayo kuphela, kodwa irhafu yerhafu inciphisa i-dollar yakho yerhafu idola. Inkqubo yemboleko yerhafu ye- MCC ivumela abanikazi bezindlu ukuba basuse inxalenye yemithwalo yemboleko mboleko abaye bahlawula ngokuthe ngqo kuyo nayiphina irhafu yentlawulo.
Ingakanani Umthengi weNgxowa-mali?
Ikhredithi yentlawulo ye-MCC ilingana nama-20 ekhulwini lomhlala-mali ohlawulwa ngawo ngonyaka. Abanye ababolekisi baya kusebenza kunye nawe ukufaka i-credit njengento ehlawulweyo kwintlawulo yakho yenyanga, okanye bayayongeza kwiholo lakho ngenjongo yokufumana imboleko. Unako ukuthabatha irhafu yentlawulo ye-80% efunyenwe yintlawulo ehlawulwayo ukuba uyayifaka kwi-tax return yakho.
Ngubani ofanelekileyo kwiNgxowa-mali yomthengi?
Wena, okanye wena kunye neqabane lakho ukuba utshatile, kufuneka ube ngabemi base-US, abahlali abanomdla okanye abafokazi abafanelekileyo. Kufuneka ube yi -homebuyers ngexesha lokuqala ngaphandle kokuba ikhaya oyithengayo likwindawo ejoliswe kuyo yonxweme okanye ungumdlali ongu-veteran ofanelekileyo phantsi kwe-Heroes Earning Assistance noMthetho woRhafu woNcedo ka-2008. Umele uhlale kwipropati oyithengayo lonke ixesha lokubolekwa kwemali mboleko, kwaye kufuneka angene kwiintsuku ezingama-60 zokuvala.
Ikhaya lakho kufuneka lihlangabezane neemfuno ezithile:
- Intengo yokuthengisa kufuneka ibe ngaphantsi komda wexabiso lokuthengisa ovumelekileyo kwi-county apho ikhona khona.
- Ipropati ingabandakanywa amahektare angamahlanu.
- Ikhaya kufuneka libe yindawo yokuhlala yentsapho engatshatanga ngaphandle kokuba ikhonomini okanye iqumrhu eliqhotyoshelweyo kuphuhliso lweyunithi elicwangcisiweyo.
- Ikhaya lakho kufuneka lihlangabezane neemfuno ezibekwe ngumboleki wakho, inkampani yakho yomshuwalense kunye ne-Arhente yezeMali yaseCalifornia.
Indlela yokufaka isicelo
I-Arhente yezeMali yaseCalifornia yaseCalifornia icetyisa ukuqhagamshelana ne-MCC-inxaxheba yegosa lemali-mboleko yokuncedisa ekufuneni ityala letyala. Laba baphathi beembolekiso baqeqeshelwa kwaye bavunywe yiCalHFA kwaye banokukuhamba ngeenkqubo zokuthenga ikhaya basebenzise ityala leetyala ngethuba elihle kakhulu. Thatha iirekhodi ezithile kunye nawe xa udibana negosa le mboleko ngethuba lokuqala okanye unayo kwizandla zakho xa ubiza:
- Ingxelo zeBhanki
- Imbuyiselo yerhafu yangaphambili yeminyaka
- Hlawula iirebhu okanye iirekhodi
- Imbali yokuqeshwa
Kufuneka uhlangane nazo zonke iimfuno zemveli kunye neemfuno zemboleko ezibandakanyekayo ekufanelekele ukuthenga imali. Nangona kunjalo, ingeniso yakho ayikwazi ukudlula umda ophezulu kummandla othengayo okanye ungalahlekelwa ukufaneleka kwakho kwe-MCC.
I-CalHFA icebisa ukuba udibanise neengcali zerhafu kuba i-credit ingabangela impembelelo enkulu kwi-tax return yakho.
QAPHELA: Imithetho yombango ishintsha rhoqo kwaye ulwazi olungentla lungabonakali utshintsho lwangoku. Nceda uqhagamshelane neengcali zerhafu zaseCalifornia okanye i-CalHFA malunga neengcebiso kunye nolwazi olunxulumene nale credit. Ingcaciso equlethwe kule nqaku ayijoliswanga njengeengcebiso zerhafu kwaye ayikho enye ingcebiso yerhafu.