Awunakucutha uphuculo lwasekhaya kwirhafu yengeniso kwangoko ngaphandle kwakwimeko ezithile ezithile. Nangona kunjalo, kunokwenzeka ukuba ufumane isibonelelo serhafu kuphuculo lwakho lwasekhaya kamva-ngelixesha uthengisa indlu yakho.
Yintoni uphuculo lwasekhaya?
Ngeenjongo zerhafu, uphuculo lwasekhaya yiyo nantoni na eyonyusa ixabiso lekhaya lakho. Ulungiso olusisiseko olufana nokudibanisa uphahla oluvuzayo alufanelanga. Nangona kunjalo, ukuba ubeke endaweni yophahla lwakho olukhoyo ngolunye uhlobo oluphezulu kunye nomgangatho ophakamileyo wophahla, oko kunokunyusa ixabiso lekhaya lakho kwaye ke ukubala njengokuphuculwa kwekhaya.
Amanqaku afanelekileyo- Ngaba iRhafu yoKhuseleko lweKhaya iRhafu?
- Ngaba ukuba nepropathi yokurenta kuyakunceda kwirhafu yakho?
- Iindidi zeeCredits zeRhafu yaMandla
Izibonelelo zerhafu yoPhuculo lweKhaya ngokuBanzi
Ukuphuculwa kwenjongo yasekhaya ngokubanzi akunakucuthwa kwimbuyekezo yakho yerhafu. Nangona kunjalo uyangenelwa kwindlela olu phuculo lwasekhaya lonyusa ngayo ixabiso lendlu yakho. Naluphi na uphuculo olwenzayo ekhaya longezwa 'kwirhafu' yakho endlwini.
Isiseko serhafu ibhekisa kwindlela otyale ngayo imali kwinto ethile, kwaye isetyenziselwa ukufumana inzuzo yakho kamva. Xa uthengisa indlu yakho, uya kuthabatha irhafu yakho endlwini kwixabiso lokuthengisa ukubala inzuzo yakho.
Ukufumana kuxhomekeke kwirhafu, ke ngokonyusa isiseko sakho serhafu ngophuculo lwasekhaya unciphisa inani lerhafu oyihlawulayo ngexesha lokuthengisa.
Ukuphuculwa kweKhaya lezoNyango
Ukuba injongo yophuculo lwasekhaya kukubonelela ngononophelo lonyango kuwe, iqabane lakho, okanye omnye okanye abantu abaninzi abaxhomekeke kuwe, kufanelekile ukuphucula ikhaya . Ukuphuculwa kwamakhaya onyango kunokutsalwa ngexesha elenziwa ngalo, kodwa kuphela kwinqanaba lokuba abalonyusi ixabiso lekhaya lakho. Izizathu ze-IRS zokuba uza kufumana isibonelelo serhafu kulonyuso lwexabiso xa uthengisa indlu, ke abafuni ukukunika oko kuya kuthi kube kukuncitshiswa kabini.
Ukuba ubuya kuthabatha yonke imithwalo yeminyango yakho ngesiphatho sesimbo se-lever kuba isifo sakho samathambo senza ukuba kube nzima kuwe ukulawula amanqatha ajikelezileyo, unokuthabatha lonke iindleko kuba oko bekungazukuchaphazela ixabiso lendlu yakho. Nangona kunjalo, ukuba ufake ilifti ukuze uzuze iqabane lakho elihamba ngesitulo esinamavili, ixabiso lendlu yakho liya kunyuka ngokubonakalayo. Unokuwusa kuphela umahluko phakathi kotshintsho kwixabiso lendlu yakho kunye neendleko ezipheleleyo zokuphucula.
Olunye uhlobo lokuphuculwa kwekhaya lezonyango kukuba, njengako konke ukuncitshiswa kwezonyango, ungabathatha kuphela ukuba ukhetha ukukhupha izinto ezithile xa ubuya. Okubi kakhulu, baphantsi komyinge we-10% wolungelelwaniso lomvuzo (kumgangatho we-AGI). Oku kuthetha ukuba kuya kufuneka uthabathe i-10% yengeniso yakho ehlengahlengisiweyo yonyaka kwisibalo sokutsalwa kwakho kwezonyango kwaye ubange kuphela intsalela njengokuncitshiswa kwimbuyekezo yakho yerhafu.
Ukuphuculwa kwamandla okwenziwa kwamandla
Awungekhe uthabathe uphuculo lwasekhaya olonyusa ukusebenza kwamandla ekhayeni lakho, kodwa unokwenza enye into ebhetele: fumana ikhredithi yerhafu. Iikhredithi zithathiwe kwityala lakho lerhafu yonyaka, ngelixa ukuncitshiswa kukhutshwa kwimali yakho yomrhumo ukubala uxanduva lwerhafu. Ke, iikhredithi zinokukugcinela imali eninzi kwiirhafu zakho kunokutsalwa.
Inkqubo ye- Amandla okuSebenza aMandla okuSebenza aMandla okuSebenza ikuvumela ukuba ubange ikhredithi yerhafu ye-30% yeendleko zezifudumezi-langa ezishushu zelanga, izixhobo ezivelisa amandla elanga kunye nezinye izixhobo zamandla ezifanelekileyo. Ikhredithi yezixhobo zohlobo lwelanga yandiswa ubuncinci nge-2021. Ngelishwa, ezinye iintlobo zerhafu yamandla ngoku ziphelelwe.
Uphuculo lweOfisi Yasekhaya
Ukuba uneofisi yasekhaya ekulungeleyo ukufumana Ukuncitshiswa kweofisi yasekhaya , unokuthabatha iindleko zalo naluphi na uphuculo olwenzayo kwiofisi yasekhaya njengeendleko zeshishini. Uphuculo lwasekhaya oluchaphazela indlu yakho iphela lunokutsalwa njengendleko zeshishini, ngokusekwe kubungakanani beofisi yakho yasekhaya. Umzekelo:
- Ukuba usebenzisa igumbi lakho lokulala elisecaleni kuphela njengeofisi yasekhaya kwaye unomnyango wangaphandle ofakelweyo ukuze abathengi bakwazi ukuhamba ngqo kwiofisi yakho, ungatsala i-100% yeendleko zomnyango omtsha.
- Ukuba une-laminate flooring yakho ithathelwe indawo ngomthi onzima kuyo yonke indlu kwaye iofisi yakho yasekhaya ithatha iipesenti ezingama-25 zepesenti yemigca yendlu, ungathabatha ama-25% endleko yomgangatho omtsha.
Gcina ukhumbula ukuba ngekhe ukwazi ukukhupha iindleko ezizeleyo ngexesha elinye. Ukuphuculwa kwenkunzi, intsingiselo yokuphuculwa kwezibonelelo ezihlala ngaphezulu konyaka omnye, ziqhelekile yehlile kwaye ukuncitshiswa kwahlulwe phakathi kwiminyaka eliqela.
Ukuphuculwa kwekhaya kweMali mboleko
Ukuba uthatha imali mboleko yophuculo lwasekhaya okanye usebenzisa ikhredithi yokulingana ekhaya (HELOC) ukuhlawulela uphuculo lwasekhaya, inzala kwimali mboleko okanye kumgca wekhredithi iyatsalwa. Qaphela ukuba imali evela kwimali mboleko okanye i-HELOC kufuneka ichithwe kuphuculo lwasekhaya hayi nje ukulungiswa kwamakhaya ukuze kulungele ukuncitshiswa inzala. Amanqaku kunye nezinye iimali zokuvala kwimali mboleko nazo ziyaxhuzulwa.
Ukufaka Ibango kuNciphiso Lwekhaya Lakho
Ukuba ulungele enye yeemeko ezizodwa ezidweliswe apha ngasentla, kuya kufuneka ubange ukuba unciphisiwe (okanye) ekubuyiseleni irhafu. Ukuphuculwa kwekhaya lezonyango kunqunyulwa njengenkcitho echaziweyo, ke kuya kufuneka uyikhuphe imali endaweni yokubanga ukuthathwa okuqhelekileyo ukuze uzuze. Ukuncitshiswa kwamanani kuyaqhubeka IShedyuli A yeFom 1040 . Ukuncitshiswa kweofisi yekhaya, kubandakanya naluphi na uphuculo olunxulumene nekhaya, kuyaqhubeka Ifom 8829 . Njengokuphuculwa kwekhaya lonyango, inzala kwimali mboleko yokuphucula ikhaya okanye i-HELOC kukuncitshiswa, kodwa ngovuyo oku kuncitshiswa akuxhomekekanga kumgangatho we-AGI.
