Ubungangamsha Ubunini
Ukuziphakamisa ubunini bumnini yeso sizathu sokuba abantu banqwenele ukuba nekhaya labo. Kuthetha ukuba ungapenda iindonga naluphi na umbala onqwenelayo, vula ivolumu kumdlali wakho we-CD, unamathisele izinto ezinqamlekileyo kwaye uyihombise ikhaya lakho ngokwentetho yakho. Ubunikazi bekhaya kukunika wena nentsapho yakho ingqondo yokuzinza nokukhuseleko. Yenza utyalo-mali kwikamva lakho.
U xabiso
Ngaphandle kokuzingca ubunikazi, kubalulekile ukuqaphela enye inzuzo. Okokuqala, i-real estate iyahamba ngokujikeleza, ngamanye amaxesha, ngamanye amaxesha, nangona kunjalo, nangaphezulu kwiminyaka, i-real estate iye yahlala ixabisa. I-Ofisi ye-Federal Housing Enterprise Monitoring ilandelelanisa ukunyuka kwamaxabiso angabodwa kwikhaya lonke. Ixabiso leNdlu yexabiso leNdlu liyahlula utshintsho lwendawo kunye nommandla wendawo. Abantu abaninzi bajonga ukutyalwa kwezindlu zabo njengentambo yokulwa nokunyuka kwamaxabiso.
Ukunyuka kweMithwalo yeMali
Ubunini bendlu yindawo yokukhusela yerhafu enkulu kwaye iirhafu zethu zerhafu zibazisa abaninikhaya.
Ngamanye amaxesha inzuzo yokubanjiswa kwemithwalo yemithwalo yemithwalo yemali ingayigqubuthela umnqweno wokuqhayisa ubunini. Ngaphandle nje kokuba ibhalansi yakho yemali ibingancinci kunexabiso lekhaya lakho, inzala yomhlalaphantsi ichithwa ngokupheleleyo kwi- tax return yakho . Inzala yinkalo enkulu kwinkokhelo yakho yokuboleka imali .
Ukukhishwa kweRhafu yePropati
IRS Publication 530 iqulethe iinkcukacha zerhafu zabathengi basekhaya bokuqala.
Intlawulo yepropati yendawo yokuhlala ehlawulwa kwikhaya lokuqala kunye nekhaya leeholide lichithwa ngokupheleleyo kwiinjongo zerhafu yengeniso . KwiCalifornia, isigqibo seNgqinisiso 13 ngo-1978 sakha isixa semali ehlolwe emva kokutshintsha kwepropati yezandla kunye nokunyuka kweerhafu kwipropati ukuya kuma-2 ekhulwini ngonyaka okanye izinga lokunyuka kwamaxabiso , nantoni na ngaphantsi.
I-Capital Gain Exclusion
Nangona uhlala ekhaya lakho kwiminyaka emibini edlulileyo, ungabandakanywa ukuya kwii-250,000 zamaRandi ngamnye okanye i-$ 500,000 kwisibini esitshatileyo senzuzo kwimali eyinzuzo. Awunayo ukuthenga ikhaya lokutshintsha okanye ukunyuka. Akukho mingcipheko yobudala, kwaye umthetho "ongaphezu kwe-55" awusebenzi. Unako ukukhuphela ngaphandle iimbalo ezingentla ngentlawulo kwiinyanga ezingama-24, oku kuthetha ukuba unokuthengisa yonke iminyaka emibini kwaye ubeke ipokotho yakho inzuzo-phantsi kokunciphisa umrhumo.
Ukhetho lweNtlawulo ekhethekileyo
Ukuba ufumana inzuzo engaphezulu kunokuba uvumelekile ukuthengiswa kwekhaya lakho, loo nzuzo iya kuthathwa njengempahla eyinkunzi nje kuphela xa unayo indlu yakho ngaphezu konyaka omnye. Iimpahla eziyinkunzi zifumana unyango lwerhafu olukhethiweyo. Oku kuthetha ukuba inzuzo yakho idlula ukukhutshwa, inxalenye ehlawulwayo iya kuba ngaphantsi kunokuba ungacinga.
Ukunciphisa ukuThengiswa kwemali kwakha ubulungisa
Ngenyanga nganye, inxalenye yentlawulo yakho yenyanga isetyenzisiweyo kwinani-mboleko yemali yakho mboleko, okunciphisa uxanduva lwakho. Indlela yokuchithwa kwamashishini isebenza, inxalenye eyintloko yenkokhelo yakho kunye nentlawulo yenzalo iyanda kancane ngenyanga. Kuphantsi kakhulu kwinkokhelo yakho yokuqala kunye neyona ephezulu kwiintlawulo zakho zokugqibela. Ngokomyinge, i-$ 100,000 nganye ye-mortgage iya kunciphisa ngokulinganisela kunyaka wokuqala ngowama-dollar angama-500 kwinqununu, ukuzisa loo mali ekupheleni kweenyanga eziyi-12 zokuqala ukuya kwi-99,500 zamawaka.
Imali yeMali
Abathengi abathwala izilinganiso zekhadi lesikweletu abakwazi ukurhoxisa inzala ehlawulwayo, enokuthi ixabise i-18% ukuya kuma-22 ekhulwini. Inzala yemali mboleko ye-Equity isoloko iyancinci kwaye iyancitshiswa. Kwabaninzi abaninikhaya , kunengqondo ukuhlawula olu hlobo lwetyala nge mboleko yezindlu .
Abathengi banokuboleka ngokulingana kwekhaya ngezizathu ezininzi ezifana nokuphucula ikhaya, ikholeji, unyango okanye ukuqala ishishini elitsha. Eminye imimiselo yomgaqo-nkqubo inqanda ukubolekwa kwemali mboleko.
Ngelo xesha lokubhala, u-Elizabeth Weintraub, CalBRE # 00697006, ungumthengisi-Associate eLyon Real Estate eSigramento, eCalien ia.