Umfundi uyabuza: "Ndineendawo zokuhlala ekhaya, kubaluleke kakhulu kunokuba ibhalansi ye-nqununu eyiseleyo." Umboleki wam uzimisele ukuvumela ukuba ndihlaziye ngaphezu kwemali yemali ekhoyo. ukuba ndithabathe iintlawulo zenzalo xa kuthengiswa kwemali xa kuthengiswa imali ngokulinganayo njengokuba kukho ibhalansi ekhoyo.
Impendulo: NgoJulian Block , ugqwetha
Xa amaxabiso omhlaba ehla, izigidi zamakhaya, njengawe, zihlambile kubaboleki ukuba zihlaziye imali yazo. Ngaphambi kokungena kwi- mortgage refinancing , kuwukuhlakanipha ukuziqonda ngemigaqo yerhafu ekhohlakeleyo kwizinto ezithengiswayo okanye ezingenakudalulwa kwiintlawulo zenzalo. Nazi ezinye izikhumbuzo malunga nendlela imithetho isebenza ngayo ukubuyiswa kwemali yokubuyiswa kwemali:
Imali yokuThengisa iMali yokuThengiswa kweRhafu
Ingaba ababoleki banelungelo lokurhola inzala kwimali engaphezu kwemali kuxhomekeke kwindlela abasebenzisa ngayo imali evela kwi-mortgage refinancing kunye nemali yemali. Xa ababolekayo basebenzise imali engaphezulu kwemali ekhoyo yokuthenga impahla, ukwakha okanye ukuphucula ngokubanzi indawo yokuhlala yokuhlala, okubhekiselele kwiindawo zokuhlala zonyaka, okanye imizi yesibili efana ne-vacation retraats, iintlawulo zabo zenzalo zifumaneka phantsi kwemithetho yokubolekwa kwemali yasekhaya. Le mithetho iyabavumela ukuba bathathe inzala yonke ixesha elide njengoko ukugqithisa kunye nazo zonke ezinye iimali-mboleko zokuthengwa kwekhaya azidluli i-$ 1,000,000, ukuhla kuma-$ 500,000 kwizibini ezitshatileyo ezifaka iintlawulo ezahlukileyo.
Xa ababolekayo basebenzisa ukugqithiselwa kunoma yiphina iinjongo, omnye umgaqo wemithetho unqabela ukutsalwa kweentlawulo zemali kwi-"mboleko mboleki." Olu hlobo olubanzi luquka iibhidi zekhadi zekhredithi, iimali-mboleko zemali, iindleko zonyango kunye namanye amatyala amatyala afana neentlawulo ezingapheliyo zombuso kunye neerhafu zerhafu. Nangona kunjalo, ngaphandle kweminye yemali ebolekwe ngemali mboleko yomfundi, enye yezo "zingaphaya-mgca" zokukhupha zifikelele kwiholo elingenisiweyo, imali eyokugqibela kwiphepha lokuqala kwiphepha le-1040.
Ukungaxhomeki kwiMimiselo yokuThengiswa kwemali yokuThengiswa kweRhafu
Kodwa abaninzi abantu ababolekayo banako ukulahla le miqobo ethintelo kwiintengo zabathengi, ngenxa yemigaqo- mboleko yemali yezindlu . Le mithetho iyabavumela ukuba bathathe inzala yabo yonke inqobo nje kuphela ukuba imali engaphezulu kwe-mortgage ekhona kunye nayo yonke imboleko mboleko yekhaya ayidluli i-$ 100,000, ehla kwi-$ 50,000 kwizibini ezitshatileyo ezifaka iintlawulo ezahlukileyo. Akukho nto eyenza ukuba ababolekayo basebenzise imali.
Xa iimali-mboleko zabo ezihlawulelwayo ziyingxowa-mboleko yokuthenga ekhaya kunye neengxowa-mboleko zentengo yekhaya, kukho umda we-$ 1,100,000, i-$ 1,000,000 yamatyala okufumana ikhaya kunye ne-100 000 yee-home equity debt, ehla ku-$ 550,000 kwiibini ezitshatileyo ezifakela ngokwahlukileyo.
Xa iimali-mboleko zidlulile kwi-dollar ye-$ 1,000,000 yokubolekwa kwemali yokuthenga ekhaya kunye ne-100,000 eyi-dollar yemali-mboleko yemali yasekhaya, ukugqithisa ngokwemfuneko ngokubanzi kukwahlula njengomdla ongenamdla. Ukungavunyelwa ngokubanzi kuxhomekeke kwimibandela yokuthenga ngemali mboleko esetyenziselwa ishishini okanye injongo yotyalo-mali.
Ukuhlawulwa kweRhafu yokuThengiswa kweRhafu Ukuxothwa kweentlawulo zabathengi ngokuxhomekeke kwi-AMT
Kanti esinye isithintelo sisebenza kwinani elikhulayo labaloleki abaxinezelwe yi- AMT (irhafu yentlawulo ephantsi).
I-AMT ivumela ukutsalwa kweentlawulo zenzalo kwimali-mboleko yokuthenga ekhaya ukuya kwi-$ 1,000,000. Kodwa imithetho ye-AMT iphikisana nayiphi na intsalela yomdla kwimali-mboleko yokulingana ekhaya kwikhaya lokuqala okanye leyesibili, ngaphandle kokuba imali yokubolekwa kwemali mboleko isetyenziselwa ukuthenga, ukwakha okanye ukuphucula kakhulu indawo yokuhlala; esinye sezizathu zokubhengezwa kweemali-mboleko zezindlu zangasese kuhlengahlengisa umbuzo onzima wokuxothwa kweerhafu.
UJulian Block ngummeli weerhafu eLarchmont, NY.
Ngelo xesha lokubhala, u-Elizabeth Weintraub, CalBRE # 00697006, nguMthengisi-Associate eLyon Real Estate eSigramento, eCalifornia.