Iinkonzo kunye neNgcono ye-PACE inkxaso
Yintoni i-PACE?
Iipropati eziVavanyweyo Amandla acocekileyo (PACE) yindlela yokuboleka imali yeeprojekthi zamandla acocekileyo. Abanikazi bemihlaba, kuquka nabanikazi bezindlu kunye namashishini, bafumana inkxaso-mali yokuphucula kunye nokuhlawula iirhafu zepropati. Ukuvunyelwa kwezimali ze-PACE ngokukodwa kusekelwe ekulinganisweni kwipropati ephucukisiwe, eya kusetyenziswa njengesiqinisekiso sokukhusela imali mboleko, kwaye unako ukuboleka ukuya kuma-15 ekhulwini lexabiso lepropati.
Ukusetyenziswa ngokuqhelekileyo kwe-PACE kubandakanywa ukufakelwa kwelanga, ukufudumeza kwamandla kunye nokupholisa, ukusindisa amanzi kunye nezinye iiprojekthi zeendawo zokuhlala nezorhwebo.
I-PACE itholakala kuphela kwindawo apho imithetho yaseburhulumenteni kunye neendawo zendawo zivumela le ndlela yokuxhasa ngemali, kwaye apho iinkqubo zendawo zenziwe khona. Ezi nkqubo zihamba ngamagama amaninzi ahlukeneyo, kubandakanywa nenkqubo ebizwa ngokuba yi-Home Energy Renovation Opportunity (HERO) kunye neYgrene.
Amaphuzu avelele kwi-PACE Imali
Ezi nkqubo zinemibandela emininzi eyenza ukuba ibhenkisele kubbolekayo.
Kulula ukufaneleka: Ukufaneleka kwe- PACE kulula. Xa kuthelekiswa nemali-mboleko yemali yasekhaya , eyindlela eyaziwayo ekuphuculweni kwezindlu ezibizayo, iimfuno zokuvunywa zibonakala zikhululekile. I- FICO yakho yamanqaku ekhredithi ayibalulekanga kangako nge-PACE, kodwa iimeko ezikhoyo okanye zakutshanje kwiingxelo zekredithi zakho zingabangela iingxaki.
Kumele ube khona ngoku zonke kwiirhafu zepropati.
Ipesenti zokuxhasa ngemali eyi-100: I- PACE ikuvumela ukuba uhlawule lonke iindleko zeprojekthi kungekho mfuneko yokuhlawula . Ngenxa yoko, unokuqalisa ngokukhawuleza ngaphandle kokugcina imali kwiiprojekthi okanye ukuhambisa imali ngeenxa zonke. Ngokuqinisekileyo, iimali-mboleko ezinkulu zibiza iindleko eziphezulu kunye neentlawulo eziphezulu.
Unokudluliselwa kumnini olandelayo: Ukuba uthengisa ipropathi emva kokuphucula, akufuneki ukuba uhlawule umboleko. Imboleko ithotyelwe kwipropati, ngoko ke ingadluliselwa kwaye ihlawulwe ngumnini olandelayo. Kungakhathaliseki ukuba yintoni into enhle mhlawumbi kuxhomekeke ekubeni okanye ungenguye umthengi.
Ixesha lokubuyiselwa: Ukuphuculwa okubalulekileyo kunokubiza. Iimali-mboleko ze-PACE zihlawulwa kwixesha elingaphezulu kwexesha (iminyaka emi-5-20, umzekelo). Ngenxa yoko, iintlawulo zinokugcinwa ezincinci. Nangona kunjalo, njengawe nawuphi na umboleko, xa usenza ixesha elide ukuhlawula, inzala eninzi uza kuhlawula ngayo loo mboleko.
Iingeniso zerhafu ezingenzekayo: Inkxaso-mali ye-PACE inokukwenza kube lula ukufumana izikripthi zerhafu yengingqi - jonga umcebisi wakho werhafu ngaphambi kokwenza naziphi na izigqibo. Xa ixesha lixhalabisa, i-PACE yenza ukuba kube lula ukugqiba iprojekthi phambi kokuba izikripthi zerhafu ziphelelwe yisikhathi, kwaye ukufumana mboleko enkulu kukuvumela ukuba ufake yonke into ngomnyaka owodwa (ngokuchasene nezinto ezinokukhangela izinto kwiminyaka emininzi ukulawula ukuhamba kwemali).
Ezinye iikhredithi zifumaneka kuphela kunyaka oko kufakelwa kugqityiwe , ngoko uya kufuna ukuhlawula zonke ezo ndleko ngunyaka onjalo.
Iingxaki nge-PACE Financing
Ngaphambi kokusebenzisa inkxaso-mali ye-PACE yeprojekthi yakho, qha ga mshelana nezinye zeengcingo.
Iimbambano zentlalo: i- PACE imali ihlala ihlelwe ngamakontrakthi angaba nenkuthazo yokukhuthaza ukuphucula iindleko. Le ndlela ingaba yindlela efanelekileyo yokumisa enye, kodwa iikontraka azizi malunga nemali yakho kunye nento onokuyenza "kwaye uyakwazi ukufumana malunga nantoni na ngomboleko we-PACE. Abanikezeli benkonzo abaninzi banyanisekile, kwaye ekugqibeleni baya kubathengi ukwenza izigqibo ezintle, kodwa ipesenti ezincinci zontraki zingenza iingxelo ezikhohlisayo ukuze zifumane imisebenzi ephezulu yokuhlawula. Ukongeza kokuhlawulelwa umsebenzi oya kuwenza, iikontraka zinokufumana iimali ezongezelelweyo zokudlulisela imali kumntu-mboleko ukuba zilungiselela ukuxhaswa ngezimali, ngoko ke ukukwazi ukuxabana nomdla okwenene.
Ukutshatyalaliswa kwentlawulo: Nangona uhlawula ixesha elide, ukwenza iintlawulo kunokuba ngumthwalo. Uninzi lwabantu bacinga malunga neentlawulo zenyanga, kodwa uvavanyo lwepropati luhlala luhlawulwa kanye kuphela okanye kabini ngonyaka. Unokujamelana neendleko ezixakekileyo xa lixesha lokwenza ezo ntlawulo zihlawulelwe. Kwezinye iimeko (ukuba umnini-mboleko wakho wasekhaya uhlawula irhafu yepropati nge-akhawunti yokukhawuleza), intlawulo ye-PACE iya kwongezwa kwintlawulo yakho yenyanga yokuhlawulwa kwemali kwizinto ezincinci.
Iindleko zentsalo : I- PACE inkxaso-mali ilula kakhulu ukufaneleka. Nangona kunjalo, amazinga enzala ngamanye amaxesha aphezulu kunokuba uya kuhlawulwa xa usebenzisa nje imali mboleko yemali okanye umgca wekhredithi - ngakumbi ukuba unetyala elifanelekileyo. Ukuba ingaba ungayifumana ingxaki engcono kuncike kwiimeko ezininzi, kodwa iimali-mboleko ze-PACE azibizi ziphantsi.
Iindleko kunye neenzuzo: Kulula ukufumana iiprogram ze-PACE ezivunyiweyo, kodwa ngaba zifanelekile? Ezi nkqubo zinceda kakhulu abantu abangenako ukuthenga iimali-mboleko ezibizayo (ngokuqhelekileyo ngenxa yeengxaki zemboleko okanye imali engenakunikwa). Iiprojekthi ezifana nokutshintsha iifestile zakho zingongeza kwixabiso lekhaya lakho, ngoko kufuneka ufumane enye imali leyo xa uthengisa. Nangona kunjalo, awuyi kubona ukuba utshintsho olukhulu kwiindleko zesevisi-kwaye kuya kufuneka wenze iirhafu eziphezulu.
Umngcipheko wokuchithwa kwemali : Iimali-mboleko ze-PACE zigcinwe likhaya lakho, ngoko kuya kwenzeka ukuba ulahlekelwe lakho kwikhaya ekukhusweni ukuba awuyi kuyenza iintlawulo. Kwiimeko ezininzi, umboleko we-PACE uhamba "kwindawo yokuqala" (phambi kwendleko yakho yemali-mboleko) oku kuthetha ukuba unobungozi obuncitshiswayo nangona ukwenza iintlawulo zakho eziqhelekileyo zokuthenga imali njengoko kuvunyelwene ngazo. Ezinye iintlobo zemali-mboleko (ngaphandle kokuba zineemali-mboleko zemakhaya ) akufanele zibeke kuloo ndawo.
Kukhangeleka Ukuba Ukhohlise
Ingozi engentla ayithethi ukuba iinkqubo ze-PACE zimbi. Nangona kunjalo, kulufanelekile ukwazi izibonelelo kunye neengxaki zamalungiselelo ngaphambi kokusayina. Ngelishwa, izingozi zihlala zinganakwa ngenxa yokuba iinkqubo ze-PACE zibonwa "zikhuselekile."
Ezihlobene noRhulumente? Oorhulumente basekhaya benza i-PACE inkxaso-mali, kunye neenkqubo ze-PACE ngamanye amaxesha zidibaniswa neenkqubo ezibonelelwa nguRhulumente. Ekugqibeleni, banemali-mboleko nje nayiphi enye imali-mboleko-kufuneka bahlawulwe, kwaye kukho imiphumo yokungaphumeleli .
Ngenjongo efanelekileyo? Kuziva kulungile ukwenza izinto ezintle, kwaye inkxaso ye-PACE ikunceda ukuhlawula iiprojekthi eziluhlaza. Nangona kunjalo, kukho iindidi ezininzi ezibandakanyekayo onokuba nomdla ngakumbi ekwenzeni inzuzo kunokuba enze umehluko. Abagxeki bathi iingxowa-mali zifana nezikwereti eziphantsi .
Irhafu? Kungenzeka ukuba unganise iindleko zenzalo ezinxulumene neprojekthi yakho. Nangona kunjalo, imithetho yerhafu iyinkimbinkimbi - kufuneka ukhulume kunye ne-preparer tax tax local to confirm your ability to take deductions. Ngelishwa, abanye abanikazi bepropati bakholelwa ukuba yonke ixabiso leprojekti liyancitshiswa ngenxa yokuba intlawulo inxalenye yerhafu yerhafu yepropati, kwaye oku akunjalo ngokuchanekileyo.
Indlela yokusebenzisa i-PACE Loan
Kwezinye iimeko, kuqondakala kakuhle ukusebenzisa i-PACE inkxaso yeprojekthi. Nazi ezinye iingcebiso zokukunceda ufumane imali yakho.
Xoxa nomboleki ngqo: Emva kokuba ufunde nge-PACE kwi-kontraka, yenze enye ingxoxo kunye nomthengisi okanye i-PACE yokuxhasa imali. Kubalulekile ukuqonda kakuhle oko ungena. Funda ubuchule kunye neengxaki zeendlela ezahlukeneyo, kwaye ubone ukuba uza kuhlawula phi . Nangona iikontraka zinyanisekileyo ziyakulibala ukuquka iinkcukacha ezibalulekileyo, kwaye abazi ngeemeko zakho zemali. Fumana iinkcukacha ngokuthe ngqo kumthombo, kwaye ube nale ngxoxo xa unkonkontrakthi wakho engekhoyo (ukuze ukhulume ngokukhululekile ngaphandle kokukhathazeka malunga nokulimaza iimvakalelo zomntu).
Thelekisa ezinye iintlobo zembolekiso: Kwakhona, iiproferensi ze-PACE ayisoloko yindlela ebizayo yokuboleka. Hlola zonke iindlela ezingezantsi.
- Thengisa ababolekisi be-intanethi , amabhanki asekuhlaleni, kunye neemanyano zemboleko kwindawo yakho
- Imali-mboleko ye-FHA 203K ingasetyenziselwa ukuxhaswa kwintuthuko yasekhaya kwaye ifune ukuhlawula imali encinci
- Usenokukwazi ukuxhaswa ngeprojekthi yakho ngemboleko yakho kwaye ukhuphe ukufungisa
Fumana ukuba yeyiphi izinga ongayilindela ngokuqinisekileyo, kwaye ufumene ukuba zeziphi iindleko zokuvala oya kufuneka uhlawule . Kwakhona, khangela ukuba uya kugqiba kunye ne -home home (okuya kwenzeka xa usebenzisa imali ye-PACE okanye i-mortgage yesibini). Unokuba usenelungelo lokufumana izikwereti zerhafu - mhlawumbi kunye nexabiso lokuncitshiswa kweendleko - ukuba usebenzisa ezinye iimboleko.
Fumana iingcaphuno kwiinkontrakthi ezininzi: Xa ungahlawulanga imali ngaphambili, nantoni na ibonakala ifikeleleka. Kodwa kusekho ithuba lokugcina imali (kwaye unciphise iintlawulo zakho) ngokuya kunye nekhontrakthi enkulu kakhulu. Khawukhumbule ukuba ngamanye amaxesha ufumana oko uhlawulayo, ngoko ke ukukhetha intengo ephantsi kukubuya kukuhlambalaza.
Uhlahlo lwabiwo-mali kwaye uhlawule imali: Akuyona indlela elula yokwenza izinto, kodwa unako ukulibazisa iprojekthi yakho, ukugcina imali, nokuhlawula imali ukuze uyenze ngexesha elithile. Ukwenza oko kuza kukugcina imali kwiindleko zenzalo, kwaye uya kuba neyongeziweyo xa ukhetha ukukhetha iinkontrakthi kunye nomsebenzi owenziweyo.
Ukuthengisa (okanye ukuthenga) iPropati kunye ne-PACE
Iimali-mboleko ze-PACE ziyingqayizivele kuba zihlala kunye nepropati - kungekhona eyimboleki yasekuqaleni.
Ukuthengisa ipropati: Ukuba uye wasebenzisa i-PACE ukuxhasa ukuphucula imali, usenokuba netyala xa uthetha ukuthengisa. Kwimeko apho, ungathengisa ipropati ephuculweyo, kwaye umthengi unokunyanzela ukubuyisela (umnikazi omtsha wepropati uza kufumana iimvavanyo). Ngandlela-thile, oko kunengqondo kuba loo propati ibaluleke kakhulu. Nangona kunjalo, abanye abathengi banganqwenela ukuthatha ezo ntlawulo, kwaye banokuba nobunzima bokufumana imali xa ipropati inokuhlolwa okongeziweyo.
Ukuba ukhetha, unokuhlala uhlawula ityala lakho le-PACE ngokwakho, okwenza ipropati yakho ithandeke ngakumbi kubathengi. Yonke into ithengiswayo kwi-real estate: ungahlawulisa intengo ephakamileyo yokuphucula ukuhlawulwa, okanye ungamkela intengo ephantsi yepropathi ezayo neendleko eziphezulu (ubuncinane okwethutyana).
Ukuthengwa kwepropati: Ukuba ucinga ngepropati nge-PACE ityala lekhoyo, thabatha ixesha ukufumana ukuba loo matyala iya kuthintela njani ukuthengiselana kwakho. Ngokuqinisekileyo, uya kuzuza ngokuphuculwa, ngoko kuya kulungela ukuthatha iintlawulo (umzekelo, uya kuba neendleko zeseziphantsi zombane ukuba indlu inemodeli enamandla ye-photovoltaic, kwaye uya kuvuya nale mivuzo ephantsi emva kwexesha Uvavanyo lwe-PACE luphela).
Ngaphambi kokuba uhambe kakhulu, thetha nomboleki wakho ukufumana indlela abaphatha ngayo i-PACE. Kwezinye iimeko, ibhanki ye-PACE kufuneka ibe kwindawo yokuqala, kodwa ezinye iinkqubo ze-PACE zikulungele ukuthatha isikhundla sesibini emva kwemboleko yakho yokuthenga ekhaya.