Imirhumo kunye neNgxowa-mboleko yakho Ngaphambi kokuhlala phantsi
Ukuba ungumdala omdala osebenzayo kwi-bracket ephezulu kunye kwaye unika imali yokuncitshiswa kweerhafu, unokufumana inzuzo yefomu ye "tax arbitrage." I-arbitrage yerhafu yindlela ekhethekileyo yokuchaza ukuthengiswa komthetho ongayisebenzisa ukuxhamla inzuzo yerhafu.
Ngokomzekelo, ngelixa usebenza, ungakhetha ukuba ungenzi nayiphi na enye intlawulo kwi-mortgage yakho kwaye endaweni yoko usebenzise ngokupheleleyo uxhaso kwii-akhawunti zokuthatha umhlala-phantsi, njengama-401 (k) amacebo, 403 (b) neengxelo, okanye ngokwenza igalelo kwiingxelo ze-IRA zendabuko.
Le ndlela yokulondoloza irhafu isebenza ukuba unako ukukhawuleza inzala oyihlawulayo kwi-mortgage yakho kwaye uchithe umrhumo kwiakhawunti yomhlala-phantsi. Esi si cwangciso sinzuzo enkulu kulabo bakhonkqo berhafu aphezulu. Ukuba ngaba nguwe, ke ukuhlawula imali eyongezelelweyo kwimali yakho yokubolekisa ingenakuba yisona sigqibo sezimali esingcono kakhulu ongayenza ngaphandle kokuba usuqhelisele imali yokubambisa irhafu kwizicwangciso zomhlalaphantsi.
Musa ukwenza esi sigqibo sisekelwe kuphela kwiirhafu. Uyakufuna kwakhona ukuqwalasela umgangatho wengozi wokutyalomali owukhululekile xa uthelekisa ukubuyiswa kweengozi yokuhlawula imali yakho.
Ngokuqhelekileyo, iintsapho eziphezulu eziphezulu ezifumanekayo zifumana inzuzo ekusebenziseni i-matyala , ngelixa i-income engaphantsi / i-intlanethi yexabiso elingaphantsi ilungile xa ijolise ekuhlawuleni amatyala.
Ukongezelela, ufuna ukudala ibhalansi phakathi kokutsalwa kwetyala kunye neentlawulo ezichaziweyo zerhafu; Ukuba awuyiyo, imali-mali ehlawulwe irhafu ingagqiba kukulimaza kwiminyaka yakho yomhlalaphantsi.
Imirhumo kunye neNgxowa-mboleko yakho Emva kokuthatha umhlalaphantsi
Emva kokuba umhlala phantsi, imeko yakho yerhafu ingashintsha. Kunokwenzeka ukuba uya kuba kwisantya esezantsi serhafu. Ukuba oku kuyinyaniso, ngoko, ukutsalwa kwexabiso lomhlala-mboleko angeke kunikeze inzuzo enkulu kuwe. Ngokomzekelo, ukuba uneminyaka engama-33% yerhafu xa usebenza, kodwa ngoku umhlalaphantsi, isantya sakho serhafu sinama-15% kuphela, ngoko i-dollar nganye ye-deductible interest mortgage manje ikulondoloza i-18 cents ngaphantsi kwenzeni xa irhafu yakho phezulu.
Ukongeza, ukuba unotyalo-mali kwiingxelo ezihlawulwayo, inzala evela kule mali-mali iya kwandisa ingeniso yakho epheleleyo echitshiweyo kwaye ingathintela inani leerhafu ozihlawulayo kwiintlawulo zakho zomhlalaphantsi.
Ngokuxhomekeke kwimeko yakho yerhafu , xa kunokuthatha umhlalaphantsi, kunokuba kunengqiqo ukubeka kwakhona utyalo-mali oluhlawulelwayo ukuhlawula imali yakho yokubambisa imali, enokunciphisa ingeniso yakho yerhafu kwiindawo apho uya kuhlawula irhafu encinane kwiintlawulo zakho zeNtlalo.
Ukuba ucinga ukurhoxisa utyalo-mali kwii-akhawunti zokuthatha umhlala-phantsi ezihlawulwa irhafu ukuhlawula imali yakho yokuthenga imali, qaphela. Ukurhoxiswa kwii-akhawunti ezihlawulwe ngerhafu zifakwe kwingeniso yakho engenayo kunyaka owathatha ukurhoxiswa.
Oku kuthetha ukuba uthatha i-chunk enkulu yemali ngaphandle kwe-IRA okanye i-401 (k), ingeniso eyongezelelweyo ingakuhlahlela kwibakethi ephezulu. Unako ukukhusela oku ngokuqhekeza ukurhoxiswa okukhulu kwiimpawu ezincinci ukuba uhoxiswe kwiminyaka emininzi yekhalenda. Ngokomzekelo, unako ukurhoxisa imali ngoDisemba, ngoko ngoku kwangoko kuJanuwari olandelayo, kwakhona kwakhona ngoJanuwari olandelayo, ngoko uthabatha imali kwiinyanga ezilishumi elinesithathu kodwa usasazeka kwiminyaka emithathu yekhalenda.
Ngokusebenzisa ingqiqo yakho njengesixhobo sezemali, unako ukufumana ixesha elifanelekileyo lokwenza irhafu ukulihlawula.