Izatifikethi zoTywala zeRhafu ziNye indlela yokuTyala imali
Izatifikethi zoTywala zerhafu ezichazwe
Xa umninimzi ewela emva kwerhafu yepropati , urhulumente okanye umasipala apho ipropati ikhona khona unokufaka i-bond yerhafu malunga nepropati. Isitifiketi se-tiketi yeerhafu sikhutshwe (ngokuqhelekileyo nge-ofisi yomhloli weerhafu) ukuqinisekisa ukuba kukho indawo ekhoyo kunye nenani lentlawulo efunekayo. Ngokwe-National Association of Lien Association, i-R13 billion yezigidi zerhafu zepropati zihlawulelwa ngamnye, unyaka odala i-market ebonakalayo kubarhwebi-mali.
Izatifikethi zoTywala zerhafu njengeNqwelo-mali
Xa ipropati inobhanki berhafu , ayikwazi ukuthengiswa okanye ukuhlaziywa de kubekho iirhafu ezihlawulwayo ezidlulileyo. Isiqinisekiso sekhonkco ngokwayo, nangona kunjalo, sinokuthengwa ngumtyalomali. Oku kuya kwenzeka ngeentengiso zorhulumente ezihlelwe kwaye zigcinwe ngumbutho okanye umqokeleli werhafu kamasipala. Iintengiso zingabanjelwa kumntu okanye kwi-intanethi, izatifikethi ziya kwiibhidi eziphezulu.
Ukuba ubiza kwaye uphumelele, uhlawula iofisi yentlawulo inkokhelo yentlawulo efunekayo kwisiqinisekiso.
Uya kuthatha ilungelo lokuqokelela loo mali evela kumninikhaya, kunye nomdla. Inqanaba eliphezulu lomyinge onokuqokelela ukuhluka, ngokusekelwe kummandla i-link ekhoyo. EFlorida, umzekelo, izinga eliphezulu li-18 ekhulwini ngelixa i-Iowa, i-2% kuphela. Kwamanye amazwe, inokwenyuka iphakamileyo njengama-36 ekhulwini.
Umnini-mali unomlinganiselo othile wokuhlawulela ityala kwaye ahlawule oko kuhlawulwa. Kwakhona, oku kuxhomekeke kwimeko echaphazelekayo, kodwa ixesha lokuhlengwa linokuqala ukusuka kwiinyanga ezintandathu ukuya kwezi-36. Ukuba umnini akakhokheli irhafu kunye nomdla ngenxa yefestile yokuhlengwa, uya kuba nekhono lokwenza kwangaphambili kwipropati .
IiNzuzo zoTyalo-mali kwiiTekiti zoTywala
Kukho amanqaku amaninzi enza izatifikethi zeekhonkco zerhafu intsha-mali ekhangayo. Okokuqala, oku kutyalo-mali kaninzi kunomda ophantsi wokuthenga kuyo. Unako ukuthenga izitifiketi zeekhonksi zerhafu kwintengiso kunye nama-dollar ambalwa. Leyo yinto encinci yokwehliswa kwengxowa-mali xa kuthelekiswa neengxowa-mali ezithile, ezingaba ne-$ 5,000 okanye i-$ 10,000 ubuncinci ukuthenga izabelo.
Ubutsha-mali obuncinane bokuqala-mali lwenza kube lula ukusabalalisa imali enkulu kwizatifikethi ezininzi zeetayiti zerhafu. Oku kukuvumela ukuba udibanise ngaphakathi kwinqanaba le-asethi yesakhiwo ngezatifikethi zokuthenga ezikhoyo kwiimarike ezahlukeneyo zezindlu. Ukufumana iindandesi ezinkulu kwizinto eziqhelekileyo akunzima, nokuba kunjalo. Unokuqhagamshelana nomhloli werhafu kwi-county apho ufuna ukubetha kwizatifikethi ukufumana ukuba idilesi ezayo ihleliwe.
Mhlawumbi kubaluleke ngakumbi ukudala imbono yotyalo-mali yithuba lokufumana umlinganiselo wokubuyela .
Ngama-stocks kunye neengxowa-mali zombini, ukubuyiswa kunqunywe ukunyuka kwimarike. Ngesitifiketi se-tiketi yeerhafu, ukubuyiswa kubunjwa ngumyinge wenzala ohlawulwa kuwe. Ukuba ubamba isitifiketi sobhaliso lwerhafu kwilizwe elinomlinganiselo ophezulu ophezulu wenzala, utyalo-mali lwakho luyakwenza umvuzo omkhulu.
Izatifikethi zoTywala zerhafu azinako iingozi
Njengawo nawuphi na omnye utyalo-mali, izatifikethi ze-tax bond zithwala ingozi ethile. Omnye owona mkhulu ukuwubukela ukuthenga izitifiketi zeekhonksi zerhafu yeepropati ezithengisa ixabiso lentengiso elingaphantsi kwemali yentlawulo. Kwimeko enjalo, umninikhaya angenakho ukukhuthazwa okukhulu.
Kukho umngcipheko ongokoqobo ukuba umninikhaya akayi kuwukhulula loo propati, kungakhathaliseki ukuba ixabiso layo. Ukuchithwa kwempahla kunokukuvumela ukuba uthathe ubunini bepropati kodwa iimali zomthetho zingabiza.
Unokujongana neendleko ezongeziweyo zokulungisa okanye ukubuyela ekhaya xa uthatha ubunini. Ukucacisa kwakhona kunokuba yingxaki ukuba kukho ezinye iibhendi okanye amabango endaweni efuna ukucinywa ngaphambi kokuba uthathe isihloko.
Iingxowa zerhafu ziba nomhla wokuphelelwa yisikhathi owela emva kokuphela kwexesha lokuhlengwa. Ukuba umnxeba wakho uphela, awuyi kukwazi ukuqokelela nayiphi na irhafu engenakuhlawulwa ngenxa yokuba amalungelo akho njengomnini wekhonkco aphelelwa ixesha elide nalo. Uya kufuneka uthenge naziphi na izibhambathiso ezilandelayo ukugcina amalungelo akho; ngenye indlela, omnye umtyalo-mali angenza ibango kwipropati. Oku kwandisa utyalo-mali jikelele.
Ukunyamezela Kubalulekile
Ukuba uqwalasela ukutshala imali kwiisitifiketi zeekhonksi zerhafu, awukwazi ukukwazi ukukhangela uphando. Kufuneka uqonde ukuba imimiselo yombuso iphathelele iziqinisekiso zeekhredithi zerhafu, kubandakanywa ubude besikhathi sokuhlengwa, yintoni oxanduva lwakho lokuxelela umninikhaya ukuba uthenge isitifiketi se-lien kunye nomyinge omkhulu wenzala evunyelwe.
Kufuneka uphinde uphando ngeemarike ezithile onomdla kuzo ukuqonda ukuba zithini izitifiketi zeekhonkco zerhafu ezizithengiswayo kwintengiso kunye nokuba ukhuphiswano olunokuthi lujamelane nani nabanye abatyali-mali. Ekugqibeleni, qwalasela isicwangciso sakho sokutshala imali enkulu ukufumanisa ukuba yiyiphi i-gap okanye idinga izitifiketi ze-tax bond ezinganceda ukuzalisa. Ukwazi oko utyalomayo kuyo inxalenye ye puzzle; Kwakhona kufuneka uqonde ukuba "kutheni" emva kwayo.