Izibonelelo ezikhethekileyo zikhona kubathengi bokuqala
Okumangalisayo kukuba, umthengi wexesha lokuqala akuthengi oko unokucinga. Unokuwela phantsi kwesi ncazelo nangona ukuthengwa kwekhaya akuyona yakho yokuqala. Oku kuninzi abantu abaninzi abanama-50 + sele benelungelo lokuhlala kwikhaya ubuncinane kanye kanye ebomini babo.
Yaye inkcazo iyahlukahluka kuxhomekeke kwiprogram eyenziwa ngayo.
Ngubani oqinisekileyo ukuba ungumthengi we-"First-Time"?
Ngeenjongo zokurhoxiswa kwe-IRA engenaso isohlwayo, nantsi indlela i-IRS ichaza ngayo umthengi wexesha lokuqala (kwi-IRS publication 590):
"Ukuba ubungenayo inzala kwikhaya eliphambili ngexesha le-2 leminyaka eliphela ngomhla wokuthengwa kwekhaya apho ukusasazwa kusetyenziswa ukuthenga, ukwakha okanye ukuvuselela. Ukuba utshatile, iqabane lakho kufuneka lidibane le mfuneko yobunini. "
Ngolwimi olulula, awukwazi ukuba nekhaya iminyaka emibili phambi kwekhaya othengayo ngoku.
Ukuba udibana nale nkcazo, ngoko ke imali eya kusetshenziselwa ukuthenga ikhaya ungayihoxisa ukuya kuma-R10 000 kwi-IRA yakho nangona ungeneminyaka yobudala engama-59/1-kwaye awuyi kuhlawulwa i -penalty penalty irhafu . Kodwa, uya kuhlawula irhafu yengeniso ekurhoxisweni.
IiNkqubo zokuThengiswa kweMpahla yokuThengiswa kweeNgxowa-mali zokuQala kweeNkcazo
Kwiinkqubo zemboleko yempahla, inkcazo yomthengi wexesha lokuqala ekhaya iguqulelwa ukuba ithetha umntu ongenakho ikhaya kwikhilomithathu edlulileyo.
Iinkonzo ezikhethekileyo zokuqala zokuthenga iimpahla zinikezela ngamagama athile abathengi.
Ukusebenzisa ezi mboleko zesikhewu-mali ezikhethiweyo ungayithengela ikhaya kunye neepesenti ezingama-3 phantsi. Oku kunokuba kukuhle kwabanye, kodwa ezo mboleko zemali-mboleko zangaphambili zangaphambili ziza kubakho nemingcipheko , ngoko sebenze nomthengisi wemboleko yokuhlola zonke iinketho zakho zokuxhaswa ngemali.
Ukuba unetyala lekhredithi, ukuthenga ngemali kwendawo yendawo yokuthenga umthengi kunokuyenza ingqiqo.
Iikhredithi zeRhafu zabathengi bexesha lokuQala
Ngethuba lexesha elide lokubuyisela, uRhulumente wayefuna ukuvuselela umsebenzi wokuthenga ekhaya, ngoko ke iCongress yamkela ityala ekhethekileyo yentengo: i-credit card ye-first-time loan (FTHBC). Le mboleko yerhafu ayisekho, kwaye abanye abantu abasetyenzisiweyo bayakufuneka ukuba babuyisele. Ukujonga ngokufutshane imigaqo-mboleko yomthengi wexesha lokuqala
Ikhredithi yomthengi wokuqala wokuthenga amakhaya athengwe ngo-2008 . Abantu abafumene i-FTHBC ngetyala ngo-2008 kufuneka ukuba bathathe inxaxheba kwixesha "lokuphindaphinda" ngokuhlawula i-credit ngaphezu kweminyaka eyi-15 kwi-6 2/3% ngonyaka. Ngoko ke, ukuba i-credit engaphezulu kwama-7,500 ayiyithathiwe, ke i-$ 500 iya kubangelwa ngamnye ngonyaka iminyaka eyi-15. Ukuba uthengisa ikhaya, ke zonke iirhafu zemali ezisele ziza kubakho ngenxa yengxelo yonyaka werhafu.
Ikhaya lakho liyeka ukuba lakho ikhaya eliphambili kwiimeko ezilandelayo:
- Uthengisa ikhaya.
- Uwuthumela ikhaya kumlingane okanye umlingane owayengumlingani kwindawo yokuqhawula umtshato.
- Ikhaya liguqulwa kwindlu yokurenta okanye ishishini, okanye ikhefu okanye ikhaya lesibini.
- Awusayi kuhlala kwikhaya ngenani elikhulu lobusuku ngonyaka.
- Ikhaya liyabhujiswa okanye ligwetywe.
- Ikhaya li lahleka kwi-foreclosure.
- Ufa.
Ikhredithi yamakhaya athengiweyo ngo-2009 okanye ngo-2010 . Kubathengi basekhaya abathetha i-credit ngo-2009 okanye ngo-2010, imithetho yaguquka kakhulu. Eyona nto, i-IRS ayifanga ukuba abantu baqhube amakhaya baze bagcine i-credit. Isixa esiphezulu semali-mboleko senyuka sibe yi-$ 8,000 kwiintengo zangaphambili zokuthenga, kwaye isigatya sokubuyisela sagqitywa ngokusekelwe kwiimfuno ezithile. Ngenxa yokuba iinyanga ezingaphezu kwe-36 zidlulile ukususela ekukhutshweni kweli khredithi, iimfuno zokubuyiselwa azifanelekanga ngeli xesha ukuba ikhaya likhona kwaye kusekuhlala kwakho okuphambili. Ukuba uphendulela ipropati ibe yipropati yokuqashisa okanye ishishini, nangona kunjalo, i-IRS ifuna ukuba uhlawule imali epheleleyo uze ugcwalise Ifomu 5405 njengesixhasaniso kwimbuyekezo yakho yentlawulo ye-federal yonyaka eya guqulwa.