Umhlaba omkhulu wokutsalwa kwemali unokuba nabona bantu bakrelekrele ngokwezimali phakathi kwethu bakrwempa iintloko zethu kufike ixesha lerhafu. Kodwa xa kuziwa kubunini bekhaya, uya kusindisa kakhulu, enkulu i-buckage ukuba uyayazi into oyifaneleyo. Sangena no ULisa Greene-Lewis , I-CPA kunye neNgcali yeRhafu ye-TurboTax, kuzo zonke iindawo eziphambili kufuneka uxhamle ububele bukaMalume uSam phambi kwekhaya.
ENXULUMENEYO: Izinto ezi-4 ozaziyo malunga neeRhafu zakho ukuba unomntwana kulo nyaka
Amashumi amabini anamashumi amabini Iintlawulo zokubolekwa kwezindlu
I-biggie: Ungatsala imali yenzala ehlawulweyo kwi-mortgage yakho. Ukuba uthenge ikhaya lakho kulo nyaka uphelileyo, kufuneka ufumane uxwebhu olubizwa ngokuba yiFomu 1098 kumbolekisi wakho olubandakanya isixa senzala ehlawulweyo, kunye namanqaku owabhataleyo, ukuze ukwandise ukuxhuzulwa kwakho kwimbuyekezo enkulu.
Ilahleko ngeNgozi
Nantsi ithemba lokuba awufuni ngokwenene le nto, ekufuneka ibe ngumphumo wesiganeko esingalindelekanga, esingalindelekanga okanye esingaqhelekanga (njengokonakaliswa kwepropati ngenxa yexesha elibi lonyaka odlulileyo, umzekelo). Ukuba ilahleko yakho iyonke ngaphezu kwe-10 ekhulwini lomvuzo wakho, unokutsala nantoni na i-inshurensi yakho engayifakiyo.
Amandla esola
Ukuba wenze naluphi na uphuculo lwelanga kungekudala (jonga: iipaneli zamandla), ufanelekile kwikhredithi ye-30 yeepesenti yeendleko ezipheleleyo, kubandakanywa ukufakwa, ngaphandle komda omiselweyo. Qaphela ukuba i-credit yepropathi esebenzayo yamandla yokuhlala iya kuhla kwiminyaka phantsi kwekhowudi entsha yerhafu, ngoko ungalindi ixesha elide ukuba u-noodling kwithemba. (Ityala lehla ukuya kwipesenti ezingama-26 ngonyaka werhafu ka-2020; iipesenti ezingama-22 zonyaka werhafu wama-2021, emva koko iphelelweNgoDisemba 31, 2021.)
Amashumi amabini anamashumi amabini UkuLondolozwa ngokwembali
Thenga isilungisi-phezulu esidala? Usenokuba ufanelekile ukuba utsalwe. Ngelixa ikhredithi yogcino lwembali ubukhulu becala isebenza ngokukodwa kwiipropati 'ezivelisa ingeniso' (ezifana nezakhiwo zorhwebo), amanye amazwe aneekhredithi zerhafu zogcino lwembali kumakhaya ahlala abanini. Ukuze ufaneleke kubo, indlu yakho kufuneka idweliswe kwiRejista yeSizwe yeeNdawo zeMbali, kwaye nawuphi na umsebenzi owenziweyo kufuneka uqwalaselwe ukuqinisekisa ukuba uyahlangabezana neemfuno zokugcinwa.
Iindleko zokuRenta kwiKhaya leSekondari
Ngokungafaniyo nendawo yakho yokuhlala ephambili (eyenzayo hayi ubale irenti njengengeniso erhafiswayo), ukuba urenta ikhaya lakho lesibini ngaphezulu kweeveki ezimbini ngonyaka, kufuneka uyixele kwimbuyekezo yakho. Nangona kunjalo, ungafumana ikhefu lerhafu ngohlobo lweendleko zokulungisa ezinxulumene neendleko zokurenta: izinto ezithetha izinto ezifana nokubonelela, ukulungiswa kunye nefenitshala.
Ukukhutshelwa ngaphandle kweeNzuzo zeNkunzi
Uninzi lwabarhafi akufuneki bahlawule irhafu kwingeniso yentengiso yamakhaya abo, enkosi kulo mfo. Undoqo: Ukuba ubunendlu yakho kwaye uhlala kwikhaya lakho eliphambili iminyaka emibini kwemihlanu phambi kokuthengiswa kwayo, unokwenza i-0,000 yenzuzo xa uthengisa kwaye akufuneki uyibange kwiirhafu zakho. Njengesibini esitshatileyo, ningakwazi ukukhuphela ngaphandle ukuya kuthi ga kwi-500,000 yeedola. Kwelinye icala, ukuba ubeke epokothweni ngaphezulu kweedola ezingama-250,000 (ngokwakho) okanye i-0,000 (njengesibini), uya kurhafiswa.
Amashumi amabini anamashumi amabini I-ofisi esekhaya
Ukuba usebenzisa ngokusemthethweni iofisi yakho yasekhaya ixesha elizeleyo (rhoqo kwaye ngokukodwa, ngokwezikhokelo ze-IRS ), ungathatha ukutsalwa kwe-ofisi yekhaya ngepesenti yenzala yakho ye-mortgage, i-inshurensi kunye nokugcinwa-okusekelwe kwipesenti yesikwere sakho esisetyenziselwa ishishini lakho.
IiRhafu zePropati
Isikhumbuzo: Ukuba uthatha izinto ezitsalwayo, unokucima isixa esipheleleyo serhafu yendlu yakho. Kodwa intloko phezulu: Ukuqala Okulandelayo unyaka oku kutsalwa kuya kulinganiselwa kwi-10,000 yeedola iyonke (ngekhowudi entsha yerhafu).
Iindleko zokuhamba
Ngaba uthenge ikhaya lakho elitsha ngenxa yomsebenzi? Ukuba uyahlangabezana nemigaqo (aka usebenza ngokusisigxina kangangeeveki ezingama-39 kwiinyanga ezili-12 zokuqala emva kokufuduka kwakho, kwaye igig yakho entsha ikumgama weekhilomitha ezingama-50 kude nekhaya lakho elidala kunendawo yakho yengqesho endala), unokubanga iindleko zakho zokuhamba-yonke into ukusuka kwiibhokisi ukuya kwiibhokisi zokugcina.
ENXULUMENEYO: Unokuba Ubhala KwiKlasi yakho ye-SoulCycle (kunye nezinye ezi-5 zokutsalwa kweRhafu onokuthi ukuthabathe kulo nyaka)
