Msonkho wa kumaloko uli chochititsa chosalekeza koma chonyalanyazidwa kaŵirikaŵiri m'zandalama zaumwini ndi za bizinesi. Pamene kuli kwakuti misonkho ya boma ndi ya boma imalandira chisamaliro cha mkango, misonkho yoperekedwa ndi mzinda wanu, dera, chigawo cha sukulu, ndi akuluakulu apadera okhoma misonkho ingalinganize ndalama zanu, zosankha zanu za nyumba, ndipo ngakhale ntchito yanu imasintha. Kumvetsetsa mmene misonkho imeneyi imagwirira ntchito, nchifukwa chake imasiyana kwambiri kuchokera ku lamulo limodzi la Zip mpaka ku linzake, ndi chimene mungachite kuti muchepetse chiyambukiro chawo nchofunika kwa aliyense amene akufuna kusunga ndalama zawo zolimba.

Kodi Misonkho ya M’madera Omwe Mumakhala Anthu N’chiyani?

Msonkho wa m'maderawo umaperekedwa ndi akuluakulu a boma, matauni, matauni, magawo a sukulu, ndi mabungwe ena a boma a boma lakufupi ndi dziko. Mosiyana ndi boma kapena boma la boma, limene limasungitsa maprogramu autali monga kuteteza dziko kapena misewu yapakati pa dziko, misonkho yakumaloko ya m'deralo imalipira ntchito zimene mumagwiritsira ntchito tsiku lililonse: sukulu za boma, apolisi ndi moto, kuteteza misewu, kukonza malo osungiramo zinthu, maraibulale, ukhondo, ndi kugwiritsa ntchito madzi. Chifukwa chakuti ntchito zimenezi zimayendetsera malo a boma, ndi kulipira anthu, misonkhoma ikhoza kusiyanasiyana ngakhale pakati pa anthu apafupi.

Kufunika kwa misonkho ya kwanu sikungalembedwe mopitirira. Kuphatikiza pamodzi, katundu wakwanu, malonda, ndi misonkho ya ndalama zimene mumalandira zingafike zikwi zambiri pachaka kwa banja lenileni. M'makhoma a msonkho wapamwamba, ndalama zonse za msonkho wa m'dzikolo zimaposa 12% ya ndalama zimene anthu amapeza, pamene kuli kwakuti m’madera a msonkho wotsika kwambiri zingakhale pansi pa 3%. Kusintha kumeneku kumatanthauza kuti kusankha kumene kudzakhala kuli chosankha cha ndalama monga mmene kulili moyo.

Misonkho Yochuluka ya M’madera Omwewo

Kumvetsa mfundo iliyonse ya m’gulu la misonkho kungakuthandizeni kudziwa ndalama zimene mungagwiritse ntchito komanso kudziwa zimene mungasungitse.

Misonkho ya Panyumba

Msonkho wa katundu ndi wofunika kwambiri kwa eni nyumba ambiri. Omakhoma msonkho wa malo ndi nyumba zimenezi amautenga pa mtengo wa malowo.

Ziŵerengero za mavitamini a malevy (ndalama pa mtengo wa $1,000 wa ndalama zopimidwa). Mwachitsanzo, levy ya magule 20 imatanthauza $20 pamsonkho pa mtengo uliwonse wa ndalama zolipidwa. Ziŵerengero za ndalama zokwana madola 1,000 zimasiyanasiyana malinga ndi boma: zina zimapenda mtengo wa malonda, zina pa mlingo umodzi. M'mayiko ambiri, eninyumba angafune kuti achotsedwe katundu wa panyumba amene amachepetsa mtengo wa nyumba yaikulu.

Njira zothandizira: nthaŵi zonse pendani kuŵerengera kwa katundu wanu kaamba ka zolakwa. Ngati mukhulupirira mtengo wa nyumba yanu woposa mtengo wa malonda, mungaike pikica. Madera ambiri ofufuza ali ndi njira yovomerezeka ya zimenezi. Kuwonjezerapo, maboma ambiri amapereka maprogramu a msonkho kwa okalamba, akatswiri, kapena eninyumba ochepera.

Phunzirani zambiri ponena za mmene misonkho ya katundu imagwirira ntchito ku Tchatal Policy Center.

Kugulitsa Misonkho

Makampani a msonkho amagulitsa zinthu ndipo, m'mayiko ena, ntchito. Msonkho wa malonda wa kumaloko umawonjezeredwa pamlingo wa boma, kupangitsa kuti pakhale kuphatikizana kwa ndalama zimene zingapose 10 peresenti m’mizinda monga Chicago, Memphis, kapena Seattle. Magawo a kumeneko angatengedwe ndi mabwinja, mizinda, ndi madera apadera monga akuluakulu a boma kapena mabungwe oyendera alendo.

Chifukwa chakuti misonkho ya malonda imabwerera mmbuyo . Mabanja olandira ndalama zotsika amawononga chigawo chachikulu cha ndalama zawo pa katundu wokhometsedwa ndi msonkho . Iwo angayambukire mokulira awo okhala ndi ndalama zowonjezereka. Komabe, zofunika zambiri monga kugula ndi mankhwala operekedwa ndi boma zimaloledwa, ngakhale kuti zimenezi zimasiyana ndi malo.

Zitsogozo kuchepetsa chiyambukiro: Sitolo m'madera oyandikana ndi maiko okhala ndi ziŵerengero zotsika ngati zikhoza kuchitika. Gwiritsirani ntchito kumapeto a mlungu wopanda msonkho kaamba ka zinthu zasukulu kapena zipangizo zoyendetsera mphamvu. Zogulira zazikulu, talingalirani za nthaŵi imene mudzagula pamene mudzakhala mukupita ku malo a msonkho wotsika.

Onani msonkho waposachedwapa wa malonda ndi wa malonda wa kumaloko kuchokera ku Treasure.

Misonkho Yolipira M’madera Omwewo

Ngakhale kuti maboma ambiri amakhazikitsa msonkho wa ndalama zimene amapeza, mizinda ina ndi madera amene amalipira msonkho wawo kwa anthu okhala m’dzikolo . Ndipo nthaŵi zina kwa anthu amene sagwira ntchito m'boma. Zitsanzo zosakayikika zimaphatikizapo New York City, Philadelphia, Detroit, ndi makampani ambiri ku Ohio, Pennsylvania, ndi Kentucky. Msonkhozi ndi ndalama zochepa kwambiri zimene anthu amapeza komanso malipiro awo, ngakhale kuti madera angapo amagwiritsa ntchito mlingo wa ndalama zimene apeza.

Ngati mumakhala mumzinda umene muli msonkho koma mumagwira ntchito mumsonkho, mukhoza kulipirabe msonkho ku mzinda wanu.

Actions:[[FLT :1] Kapenye ngati mzinda wanu kapena dera muli msonkho wa ndalama zakwanu. Ngati mufuna kutumiza foniko, mvetsetsani mmene malo a abwana anu ndi keyala yanu zimakhudzira kusamutsira. Katswiri wa msonkho angakuthandizeni kuyendetsanso mapangano pakati pa malamulo.

Utsogoleri wa ndalama zoyendetsera misonkho yakwawoko.

Malonda ndi Misonkho

Kwa anthu amalonda ndi anthu ang’onoang’ono, misonkho ya m’mizinda ndi ya m’maboma imakhala ndi ndalama zambiri osati za anthu wamba.

M’dera lina la m’deralo, anthu amalipira laisensi yokwana ndalama zambiri pachaka, pamene malonda ofanana ndi ameneŵa a m’mizinda yonse angafunikire ndalama zambiri. Kulephera kutero kungadzetse chilango, kuchotsa chilolezo, kapena kulipira misonkho yapakhomo.

Msonkho wa malonda: [[FLT :1] Kufufuza zofunika za kwanuko musanatsegule malo a bizinesi. Chongani zolembedwa mosamalitsa za malisiti ndi tsatanetsatane wa antchito. Ganizirani kugwiritsira ntchito ntchito ntchito ya msonkho kapena CPA yakumaloko imene imachita ntchito ya msonkho wa malonda m'dera lanu.

Misonkho Yosakwanira

Misonkho yandalama ndi yolipira ndalama pa ntchito zonga magetsi, gasi wachilengedwe, madzi, kuchotsa zimbudzi, kusonkhanitsa zinyalala, ndi kuulutsana ndi matelefoni. Nthaŵi zambiri imabisidwa m'mafaindi anu a mwezi ndi mwezi, kupangitsa kuti zikhale zosavuta kunyalanyaza. Maboma akumalo amagwiritsira ntchito misonkho imeneyi kusungitsa ntchito za onse, zomangira, kapena maprogramu apadera onga njira zoyendetsera magetsi.

Masigiri angakhale malipiro andalama mwezi uliwonse, peresenti ya pepala, kapena mlingo wa ndandanda ya ndalama zoyendetsera ntchito. Mwachitsanzo, mzinda ungawonjezere 5% ya msonkho wa magetsi pa mapepala a magetsi. Wophatikizapo ndalama za boma ndi za franse, zimenezi zingawonjezere ndalama zanu zonse zogwiritsira ntchito ndi 10% kapena kuposa.

[[FLT: 0] Kuchepetsa chiyambukiro: Kuchepetsa kudyetsa ndalama zoikidwiratu ku msonkho. Ngati muli ndi bizinesi yapanyumba, mukhoza kuchotsa mbali ina ya ndalama za magetsi monga bizinesi, imene ingachepetse msonkho pamlingo wa boma. Malo ena amapatsa kuchotsa kapena kuchepetsa kwa ziŵerengero za mabanja opeza ndalama zochepa.

Mmene Misonkho Imakhudzira Ndalama Zanu

Kuwonjezera pa zinthu zodziŵika bwino zokhudza kubwezera msonkho, misonkho ya kumaloko imayambukira moyo wanu wa ndalama m’njira zingapo zochenjera koma zamphamvu.

Ndalama Zosafunika ndi Mphamvu Yowononga Zinthu

Ndalama iliyonse imene imapita ku misonkho yakumaloko ndi ndalama imene simungaisunge, kuisunga, kapena kuiwononga pa zinthu zachinsinsi. M'mayiko apamwamba a msonkho, zotsatira zake zingakhale zochuluka. Ndalama zowonjezera zingayende bwino m’banja zokwana madola 800,000 zimene zimalipira 10% pa misonkho yakumaloko zimataya $8,000 pachaka kusungitsa tchuthi, malipiro a galimoto, kapena chaka chimodzi cha ndalama zimene zili ku koleji. Kuchepetsa ndalama zotsala kungalepheretse anthu kusankha moyo wawo ndi kuchedwa kukwaniritsa zolinga zazikulu za ndalama monga nyumba kapena ntchito yapansi.

Kuwononga Ndalama Zokhalira Panyumba ndi Zokhala Mosawonongeka

Misonkho ya m'dziko imakhudza mwachindunji ndalama zokhalira ndi moyo. Misonkho ya ndalama zambiri imawonjezera ndalama za pa mwezi ndi mwezi kwa eni nyumba ndipo imaperekedwa kwa obwereka nyumba monga malendi apamwamba. Mofananamo, misonkho yogulitsa kwambiri imapangitsa kugula kwa tsiku ndi tsiku kukhala kokwera kwambiri. Poyerekezera nyumba zina, kuli kofunika kuyang'ana kupyola pa mtengo woikizidwa wa nyumba ndi ndalama za msonkho wa pachaka ndi msonkho wa ndalama za msonkho wa pachaka ndi ndalama za msonkho wa ku kampani yakumaloko ndi mautumiki amene mumagula kaŵiri.

Nyumba imene ili ndi mtengo wotsika koma yamtengo wapatali ya katundu ingawonongeke kwambiri m’kupita kwa nthawi kuposa nyumba yotsika mtengo kudera lotsika msonkho.

Kulinganiza Ndalama

Misonkho ya m’derali imasintha pamene maboma akusintha ndalama zimene afuna, kukonzanso zinthu zimene afuna, kapena kugwiritsa ntchito zinthu zatsopano. Kuwonjezeka kwamwadzidzidzi kungasokoneze bajeti yanu ya mwezi ndi mwezi yokonzedwa bwino. Anthu amene apuma pantchito pa ndalama zokhazikika, misonkho ya katundu ingakhale vuto lalikulu kwambiri. Kulinganiza za kuwonjezeka kwa misonkho mwa kukonza bajeti yanu kapena kuyang’anira mapulogalamu a misonkho (kupezeka m’mayiko ena kwa achikulire) kungathandize kuti mukhale ndi mtendere wa maganizo.

Kusunga Ndalama ndi Kusamukanso

Misonkho ya m'malowo ingayambukire kumene anthu amasankha kukhala, ntchito, ndi kuikizira ndalama. Misonkho ya katundu ingaletse kugulitsa katundu ndi malo ena, pamene kuli kwakuti misonkho yotsika ingakope amalonda ndi anthu okhalamo. Oikizira, kumvetsetsa mikhalidwe ya msonkho ya kumaloko nkofunika kwambiri popenda kubwereranso kwa nyumba kapena malonda. Mofananamo, antchito akutali ali ndi chisinthiko choposa cha kusankha malamulo a ndalama zotsika . "a] chikhoteretso chimene chikuwononga chuma cha kumaloko.

Ngati mufuna kusamuka, yerekezerani osati kokha misonkho ya ndalama ndi yogulitsa komanso misonkho ya katundu, misonkho ya magetsi, ndi kupenda kwapadera kulikonse. Treaxis Foundation’s [[FLT: 0] State Business Treaty Chaxement Index [1] Imaphatikizapo zolemba za msonkho za m'maiko ambiri ndipo zingatumikire monga poyambira kuyerekezera.

Mmene Mungachepetsere Misonkho ya M’madera Omwemo

Kukhoma misonkho kumafuna khama, koma malipiro a msonkho apamwamba ndi zinthu zosayembekezereka zochepera ndizodi kuli koyenerera.

Musaiwale Kuti Zinthu Zisintha Pakapita Msinkhu

Mitengo ya msonkho yakumaloko imakhazikitsidwa ndi mabungwe a mzinda, makhonsati a boma, ndi makomiti a sukulu. Kuzengedwa mlandu ndi mavoti pa misonkho yatsopano kapena kuwonjezereka kwa ziŵerengero kaŵirikaŵiri kumalengezedwa kudakali kumbuyo. Zikalata za boma za kumaloko, tsatirani njira za makompyuta a chitaganya cha mzinda wanu, kapena yang'anani pa webusaiti ya kampasi. Kudziŵa kuti ulendo wa pa liŵiro ukubwera m'miyezi isanu ndi umodzi kumakupatsani nthaŵi yakusinthani ndalama zanu kapena njira zopangira kulinganiza.

Funsani Msonkho

Wolemba ndalama wa boma kapena wolembetsa amene ali waudindo m'dziko lanu ndi malo angapereke malangizo ogwirizana. Zimenezi n’zofunika kwambiri ngati muli ndi bizinesi, muli ndi malo obwereka nyumba, kapena ngati mukuyendera limodzi ndi mayiko ena. Katswiri angakuthandizeni kuona ndalama zimene mungaphonye. Zonga ndalama zochepetsera katundu pa kubwerera kwanu (zotsatira K200,000 SALP) .

Kukulitsa Madesiki, Zipatala, ndi Maufulu

Pali maprogramu ambiri ochepetsako kupweteka kwa misonkho ya kumaloko.

  • kusafuna malo apanyumba kumene kumachepetsa mtengo wa nyumba zokhalamo zoyambirira.
  • nzika yachikale kapena kupunduka kumaumitsa magetsi amene chipewa chimawonjezeka ngati munthu woyeneretsedwa.
  • `Zipatso zosaloledwa' kwa anthu opunduka kapena okwatirana amene adakalipo.
  • Malo opimira ogwirizana ndi mphamvu zamagetsi poika mawonekero a dzuŵa kapena zipangizo zogwira ntchito kwambiri, nthaŵi zina zoperekedwa ndi maatomu kapena maboma akwawo.
  • [[MLT:0] Makhoma a msonkho kaamba ka zogula zina (m’chitsanzo, zipangizo zopangira, zomangira, zomangira).

Anthu ambiri satsatsa malonda a mapulogalamu a m’dera lanu, choncho mungafunike kufunsa ofesi ya wofufuza za msonkho kapena bungwe loona za chuma kuti mudziwe zimene zilipo.

Kulinganiza Malipilo a Msonkho wa Malo ndi Ndandanda Yopereka Ndalama

Ngati muli ndi nyumba, zindikirani kayendedwe ka zinthu m'dera lanu. Nthaŵi zambiri kupima katundu kumachitika chaka chilichonse kapena zaka zingapo. Ngati mukhulupirira kuti kupima kwanu n’kwapamwamba kwambiri . Mwina chifukwa cha kutsika kwa malonda kapena zolakwa m'zolembedwa za katundu . Kusonkhanitsa zinthu zogulitsidwa ndi kutumiza malonda amwambo wofanana ndi . Njirayi ndi yotsika kwambiri ndipo ingakupulumutseni madola mazana ambiri kwa zaka zikubwera.

Komanso, lingalirani za ndalama zimene mungakhoze, funsani za ndalama zolipiridwa pa 25 kapena 25 pa mwezi m’malo mwa malipiro amodzi a pachaka, zimene zingakupeputseni ndalama.

Mfundo Yofunika Kwambiri Yokhudza Misonkho M’moyo

Pogula nyumba, kuyambitsa bizinesi, kapena kulandira ntchito mumzinda watsopano, phatikizani kupenda msonkho wa kwanu popanga zosankha. Gwiritsani ntchito Intaneti ya ndalama zogulira zinthu zimene zimakhudzana ndi mfundo za msonkho. Anthu ogula nyumba, pemphani ndalama za msonkho wa wogulitsayo ndi kufunsa za mayeso apadera amene abwera (m’ngawa, kuti apeze masukulu atsopano kapena kukonza bwino misewu). Ntchito iyenera kuyerekezera ndalama zimene mungapereke pa khomakhomo lakwanu ndi ndalama zoyendetsera ndalama (zimene zingakhudzidwe ndi misonkhoma ya gasi kapena ndalama zolipirira galimoto yakwanitsira).

Kuyerekezera Msonkho wa M’deralo ndi Mlandu

Kuika misonkho yakumaloko m’njira yoyenerera, kumathandiza kuona mmene amasungira zinthu m'dziko. Malinga ndi chidziŵitso chaposachedwapa kuchokera ku Treaty Foundation, avereji ya msonkho wa boma ndi ya malonda a dzikolo ku United States ili pafupifupi 8.5%, koma ziŵerengero za ku Hawaii zimayambira pa 4% m'mbali 10% kufikira ku 10% m’mizinda yaikulu. Ndalama za katundu nzosiyana kwambiri: mtengo wogwira ntchito (maliponse monga percental ya mtengo wa nyumba) kuyambira pa 0.5% ku Hawaii kufika pa 2% mu New Jersey ndi Illinois.

Misonkho ya ndalama zimene anthu amalandira, ngakhale kuti si yofala kwambiri, ingawonjezere 1% mpaka 4% kapena kuposa pamenepo pa misonkho ya boma. M’mizinda monga Philadelphia, msonkho wa malipiro a anthu a m'dzikomo umakhala pafupifupi 4% kwa anthu a m'dzikolo.

Poyerekezera madera, musangoyang'ana pa mtundu umodzi wa msonkho. Malo a msonkho wa ndalama zochepa angakhale ndi misonkho yapamwamba ndi ndalama zimene amapeza, ndipo ndalama zoyendetsera bwino za msonkho . Ndalama zonse za msonkho za m'dzikolo monga gawo la ndalama zimene amapeza. Mawebusaiti angapo amapereka kuyerekezera kwa mlingo wa ndalama zonse za msonkho.

Mapeto ake: Lamulirani Msonkho Wanu Wam’deralo

Misonkho ya m’deralo siisintha chifukwa ndi yosasintha. Koma siyenera kukhala yodetsa nkhawa kapena yosafunika. Mwa kumvetsa mitundu ya misonkho imene mumakhala nayo, kusintha kwa zinthu, kugwiritsa ntchito ndalama zimene simunakhoze, ndiponso kufunafuna malangizo a akatswiri a zachuma, mungachepetse katundu wanu ndi kusankha bwino ndalama. Kaya ndinu mwini nyumba, wobwereka nyumba, mwini wa bizinesi, kapena wantchito wakutali, munthu wodziwa kuwerenga msonkho wa m’deralo, angatetezere ndalama zanu.

Kumbukirani kuti kachitidwe kakang’ono ka kupima, kugula m’mphepete mwa chigawo, kapena kupempha sitolo yochotsapo zinthu zapanyumba n’kukhala ndalama zambiri. Mukhalebe wodziŵa, khalani wokhazikika, ndipo mudzachita zinthu modalira misonkho yakumaloko.