Ukuba uyawuphelisa umtshato wakho, usenokuzibuza ukuba uzityhila njani iingxowa-mali zomhlalaphantsi zomlingane wakho ngexesha loqhawulo-mtshato ukuqinisekisa ukuba zibandakanyiwe kulwahlulo lwepropathi yomtshato.
Amacandelo ePropathi yoMtshato
Xa isibini sahlukana, iiasethi ebeziqokelelene ngexesha lomtshato ziya kwabiwa phakathi kwabo. Ukuba esi sibini sihlala kwindawo yepropathi yoluntu, nayiphi na ipropathi yomtshato yahlulwe ngokulinganayo phakathi kwabo.
Amanqaku afanelekileyo- Ukwabiwa ngokulinganayo koqhawulo mtshato
- Ipropathi yoLuntu kunye nokuSinda
- Iingcebiso ngeenkcukacha zoqhawulo mtshato
Ukwahlula ipropathi akuthethi ukuba iiasethi ziyathengiswa kwaye ingeniso yahlulwe phakathi kwabatshatileyo abatshatileyo. Esi sibini singasenza isivumelwano phakathi kwabo okanye inkundla inokuyalela ukuba umntu omnye agcine ubunini be-asethi ethile kwaye omnye anikwe isixa semali esilinganayo.
Kumazwe apho ukwahlulwa kwepropati yomtshato kwenziwa ngokulinganayo, imigaqo yahlukile. Ipropathi yahlulwe ngendlela ethathwa njengefanelekileyo. Kuyenzeka ukuba omnye umntu awushiye umtshato kunye nesabelo esikhulu sepropathi yomtshato kunenye.
Uyifumana njani iNgxowa-mali yomhlala-phantsi yomlingane ngexesha loqhawulo mtshato
Ukuba ucinga ngokuqhawula umtshato, unethuba xa kufikwa ekufumaneni iiasethi ezifihliweyo. Ungathatha ixesha elithile ukuya kwiirekhodi zemali ukuqinisekisa ukuba azikho iiflegi ezibomvu ezalatha kwiqabane lakho ukuba linazo naziphi na izinto ezifihliweyo, kubandakanya nengxowa mali yomhlalaphantsi.
Wena negqwetha lakho kufuneka ninikwe iikopi zeerekhodi zezezimali zeqabane lakho emva kokuba uqhawulo-mtshato luqalisile ngexesha lenkqubo yokufumanisa. Le yinxalenye yenkqubo yoqhawulo-mtshato apho igqwetha ngalinye lifuna iirekhodi zemali kwelinye. Iqabane lakho liya kunyanzeleka ukuba lijike kwizinto zalo kunye nomhlala-phantsi.
ingakanani i-5/8 drywall enobunzima
Nje ukuba ezi rekhodi ziguqulwe, yiya ngocoselelo okukhulu. Ujonge ukudibanisa umkhondo apho imali ihambe khona. Khangela ukurhoxiswa kweakhawunti yebhanki, ngakumbi iimali ezihlawulwa rhoqo kwiakhawunti.
Imbuyekezo yeRhafu yeNgeniso
Ukuphonononga ukubuyiswa kwerhafu yengeniso kwiminyaka engaphambili sesinye isicwangciso ukuba uyazibuza ukuba ungayifumana njani imali yomhlalaphantsi yomlingane wakho ngexesha loqhawulo mtshato. I-W-2 yeqabane lakho liza kudwelisa iminikelo eyenziwe kwiplani yepenshini yenkampani okanye i-401K.
Kumntu oziqeshileyo, iShedyuli C kwimbuyekezo yakho yengeniso edibeneyo iya kutyhila inani lemirhumo, ukuba likho, elenziwe kwisicwangciso somhlala-phantsi. Oku kuyakwazisa wena kunye negqwetha lakho ukuba kukho imali ebekwe kwindawo ethile. Igqwetha lakho linokuyalela ukuba kurekhodwe iirekhodi ukuze ufumanise ukuba imali igcinwe phi kwaye ingakanani kwiakhawunti.
Ukuba uyarhana kwiQabane lakho lifihla iiasethi
Ngaphandle kokuba uqinisekile ukuba iqabane lakho liyibonakalisile yonke imali yalo yomhlala-phantsi, sukuvumelana nemigaqo yesivumelwano soqhawulo mtshato. Endaweni yoko, qiniseka ukuba umelwe ligqwetha eliya kuqinisekisa ukuba zonke iirekhodi ezifanelekileyo ziyaguqulwa ukuze wena neqabane lakho nibe nokubonisana ngokuhlawula iipropati zomtshato.
