Ubuninzi bentengo yokubanjiswa kweerhafu ngokwenene eveliswa ngumdla wemali?
Ndiyaqalisa
Ukusebenzisa i-calculator deduction calculator, kuya kufuneka ufumane ulwazi olufana ne-balance balance mortgage kunye ne-interest rate.
Kwakhona, uya kufuna ukuqokelela ulwazi olusisiseko lwentlawulo kubandakanya izinga lakho lokurhafu kunye noqikelelo lwemali echithwayo. Kuya kuba luncedo ukubuyela kwerhafu yonyaka odlulileyo.
Ukuba awuqinisekanga ukuba yeyiphi irhafu yentlawulo okhoyo, khangela iholo lakho lentlawulo kwi-line 43 yefom yefayili yakho ye-1040, uze uqhathanise loo ntlawulo ye-tax rates ka - 2015 kule tafile .
Amanyathelo alandelayo
Ukuba unokufumana inzuzo encinci kwi-interest interest deduction, mhlawumbi kufuneka uhlawule imali. Ukuphonononga ubungqina kunye nokuqhawula oku kulandelayo:
- Ukuhlawula i-Mortgage Early-Pros and Cons
- Ngaba Ndimele Ndiyi-Invest, okanye Ndihlawule Imali?
- Ukukhutshwa kweNzala yomhlalaphantsi ngaphambi kokuba emva kokuthatha umhlalaphantsi
Ukwenza isigqibo
Ezi zigqibo zingaba nzima ukuzenza. Abantu abaninzi banamathele emoyeni kwimbono yokuhlawula imali, okanye ingcamango yokugcina imali kwibhanki kwaye ingayisebenzisi ukuhlawula imali. Imiba yeemvakalelo, kodwa qinisekisa ukuba uhlolisisa uhlalutyo kwaye yintoni eyenza ingqiqo enkulu isekelwe kwiimeko zakho zemali.
Emva kokuqwalasela ukuxhamla kunye neengxaki zokuhlawula umboleko kunye nokuvavanya iziphumo zerhafu zombini iindlela - ukufumana imali okanye ukungahlawulwanga - ngoko unokufumana inzuzo kumfundi oqeqeshelwa ngumcebisi wakho wezezimali okanye wengcali yerhafu. Naliphi na isigqibo esibalulekileyo, kungcono ukuzixhobisa ngolwazi kwaye ufune ingcali yokuqinisekisa uphando lwakho kwaye ikunike ingxelo.
Imirhumo kwi-Play
Esinye seziganeko eziqhelekileyo oziva kwilizwe lezoshishino kukuba "kuphela into eguqukayo." Kulo mxholo, kubalulekile ukuqonda ukuba imithetho yerhafu ingatshintshwa ngezikhathi ezithile. Ukongezelela, iirhafu zentsingiselo zingatshintsha, nazo. Xa isantya somyinge siye saphantsi kwezinga lakho langoku, unokufuna ukucinga ukuba wenze uhlobo oluthile lokunciphisa ukunciphisa amaxabiso akho okanye utshintshe imigaqo yakho yentlawulo.
Ukutshintsha imiqathango yakho yokubolekisa imali ngokuqhelekileyo kulungele xa ufumana imali engenayo kunye neerhafu zenzalo ziye zancinci i-1% ngaphantsi kwamaxabiso akho akhoyo. Ukuba utshintshe amagama, ngoko, uya kufuna ukuqhuba amanqaku kwakhona phantsi kweeparamitha ezintsha ukuze ubone ukuba ukugcina i-mortgage kusengqiqweni.