Misonkho ya kumaloko imaimira imodzi ya njira zachindunji kwambiri zimene nzika zimasungamo ndalama m'miyambo ya banja iliyonse m’njira zimene sizimadziŵika kaŵirikaŵiri. Kuchokera ku msonkho wa katundu woikidwa pa lendi yanu ya mwezi ndi mwezi ku lisiti yanu yogulitsidwa, kutula kumeneku kumasintha mtengo wa moyo, kuchuluka kwa ntchito za boma, ndi zosankha za ndalama zimene mabanja amachita tsiku ndi tsiku. Kuzindikira mmene misonkho ya kumaloko iyenera kukhudzira aliyense woyang'anira nyumba, kulinganiza ntchito, kapena kungoyesa kuzindikira kumene ndalama zawo zimayendera. Nkhani ino ikupenda mmene misonkhomale yakwani ya kumaloko, phindu lenileni lapadziko la tsiku ndi tsiku ndi tsiku. Kumvetsa mmene ndalama zamakono zikuyendera ndalama zamakono n’kofunika kwambiri.

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

Misonkho ya boma ndi yokakamiza kuperekedwa ndi mabungwe a boma a boma lakufupi ndi dzikolo. Maboma, magawo a sukulu, matauni, ndi magawo apadera . Kupereka mautumiki ndi zidutswa zimene boma kapena maboma sapereka. Mosiyana ndi boma kapena boma, misonkho ya kumaloko imagwirizanitsidwa ndi malire a dziko, kutanthauza kuti mtengo ndi dongosolo zingasinthe kwambiri pamene muwoloka chigawo cha mzinda kapena kusamukira ku chigawo chapafupi. Malinga ndi [FL:0]. S. Counivation’s Annu Survery of State and Lowervior imakhala ndi ndalama za Boma, kusonkhanitsa ndalama zokwana madola 1. [1].

Mitundu Yosiyanasiyana ya Misonkho

Kumvetsetsa magulu aakulu a ndalama zanu kumathandiza kulongosola bwino kumene ndalama zanu zimapita ndi chifukwa chake zinthu zina zimakupitirani kwambiri kuposa zina.

Misonkho ya Panyumba

Msonkho wa katundu ndi gwero limodzi lalikulu kwambiri la ndalama za msonkho ku United States, kuŵerengera 70 peresenti ya misonkho yonse ya kumaloko m’mayiko ena. Amasungidwa pa malo enieni (dziko ndi nyumba) malinga ndi mtengo wa katundu. Msonkho, kaŵirikaŵiri umatchulidwa monga mtengo wa ndalama (madolalalar pa mtengo wa $000), umaikidwa ndi maboma a kumaloko kuti apereke ndalama za masukulu, apolisi ndi chitetezo cha moto, kukonza misewu, malaibulale, ndi malo osungiramo katundu. Chifukwa chakuti chuma chimasiyanasiyana, eninyumba m’madera a mizinda yokwera kwambiri amalipira ndalama zambiri kuposa zija za m’midzi, ngakhalenso ndalama zofanana ndi zimenezi. Omasuweni amamvanso kuti: ndalama za msonkho zikudutsa m'mafakitale ku nyumba zawo, popanga malo osungirako misonkhoma nyumba yobisika, koma malo obisika.

Kugulitsa Misonkho

Makampani a msonkho amagulitsa ndalama zogulitsidwa pamtengo wochuluka ndi ntchito zina. Msonkho wa malonda a m’dzikolo umawonjezeredwa pa msonkho wa boma, choncho chiŵerengero chonsecho chingasiyane kuchokera pa 5% mpaka 10% kudalira pa mzinda kapena chigawo. M'mayiko monga Tennessee, Louisiana, ndi Alabama, ndalama zowonjezera zingasonkhetse ndalama zawo zokwana kuposa 10%. Msonkhoma umenewu umakhudza ndalama za tsiku ndi tsiku monga ngati kugula (m'mayiko kumene chakudya chimasungidwa), zovala, makompyuta, ndi zakudya kunja. Chifukwa chakuti msonkho wa malonda umapeputsa ndalama zambiri za nyumba za anthu okongola .

Misonkho Yolipira M’madera Omwewo

Ngakhale kuti si zachilendo poyerekezera ndi misonkho ndi kugulitsa, misonkho ya ndalama ya m'dziko imapezeka pafupifupi 5,000 m'mayiko a United States. Iwo amamanidwa malipiro ndipo angakhale operewera kapena omaliza maphunziro. Matauni monga New York City, Philadelphia, Detroit, ndi maminisitala ambiri ku Ohio ndi Pennsylvania amaika misonkho ya ndalama za m'dziko. Misonkho imeneyi imachepetsa malipiro a nyumba, kulipira ndalama zotayidwa ndi kulipira ndalama. Kwa nzika zimene zimalipiranso misonkho ndi malipiro a boma, katundu wowonjezerayo angakhale wokwanira, makamaka m'madera otchuka a moyo.

Kuyesa Kwapadera ndi Alevi Ena

Kufufuza kwapadera kuli ndalama zolipilira eniake a katundu kuopera zinthu zimene zimapindulitsa mwachindunji katundu wawo, monga misewu yatsopano, magetsi a m’misewu, magetsi a m'zimbudzi, kapena kupangidwa kwa malo a paki. Mosiyana ndi misonkho ya katundu wamba, kuŵerengera ndi ndalama za nthaŵi imodzi kapena zosakwanira zochokera pa phindu limene amalandira. Misonkho ina ya m'mahotela imaphatikizapo kusungidwa kwa mahotela (operekedwa ndi alendo koma operekera ndalama zolandirira alendo), misonkho ya magetsi, gasi, kapena kugwiritsidwa ntchito kwa madzi), misonkho ya galimoto, ndi laibulale ya bizinesi.

Mmene Anthu Amathandizira Kupereka Nkhongo

Nkhoma za m’derali si njira yopezera ndalama yochitira zinthu zimene anthu a ku America amadalira tsiku ndi tsiku.

K-12 Maphunziro

Sukulu za boma ndizo zolandira ndalama zambiri za m'dziko. M'mayiko ambiri, magawo a sukulu amadalira misonkho ya katundu ya m'dziko mwawo. Magawo a sukulu otchuka kwambiri amakopa mabanja ndi kusungitsa chuma, komanso amafuna msonkho wapamwamba. Komanso, zigawo zokhala ndi chuma chochepa zingavutike kupereka ndalama zokwanira, kutsogolera makolo kuyang'ana sukulu zachinsinsi kapena kulipira ndalama zapakhomo kwa ofeŵetsa. Malinga ndi malamulo a msonkho akwawo. [[FLT: 0]

Chitetezo cha Anthu Onse

Apolisi, madipatimenti ozimitsa moto, mautumiki a zachipatala, ndi malamulo a zachipatala amayendetsedwa kwambiri makamaka mwa misonkho ya kumaloko. Maboma amene ali ndi ndalama zokwanira zotetezera anthu amakhala ndi ndalama zotsika ndi nthaŵi zotha kuchitapo kanthu mwamsanga, kuchepetsa mtengo wa mapepala a anthu okhala m’deralo (m'chitsanzo, madongosolo a chitetezo, ndalama zolipirira inshuwalansi, kapena ndalama zoyendetsera za mankhwala). Madera amene anakhazikitsa ntchito zimenezi angapatsire anthu a m’maderawo ndalama zokwera inshuwalansi kapena kusoŵa kwa chitetezo.

Malo Opangira Zinthu ndi Zoyendera

Misonkho ya m'derali imasamalira misewu, milatho, magalimoto, ndi njira zoyendera za anthu. Misewu yokhala ndi galimoto imachepetsa kuwonongeka ndi kuwonongeka kwa mafuta ndi kukonza bwino mafuta, kuteteza madalaivala mazana a madola pachaka. Mosiyana ndi zimenezi, anthu okhala ndi mphamvu zowonongeka a kuderalo amawononga ndalama zambiri pokonza galimoto, kubwezeretsa matayala, ndiponso ngakhale kukwera kwa galimoto. Kuyendetsa zinthu ndi misonkho ya kumaloko kungachepetse ndalama zogulira mabanja amene amawononga galimoto yachiŵiri.

Mapaki, Malaibulale, ndi Programu za M’chitaganya

Mautumiki ameneŵa amathandiza mapaki a boma, malo a zosangulutsa, maiwe osambira, malaibulale, malo apamwamba, ndi mapulogalamu a chikhalidwe. Mautumiki ameneŵa amapereka ndalama zotsika kapena njira zina zaulere m’malo mwa mamembala aumwini, ntchito zapasukulu, ndi zosangulutsa. Pamene misonkho yakwawo ikusungidwa, mabanja amataya ndalama zambiri zopindulira zinthu zina zofunika.

Chiyambukiro Chachindunji pa Zowonongedwa za Tsiku ndi Tsiku

Pansipa pali ndalama zikuluzikulu zimene zimagwiritsidwa ntchito pokhoma msonkho.

Mitengo ya Nyumba

Msonkho wa katundu ndi mtengo wa obwereka nyumba. M'madera a msonkho wapamwamba monga New Jersey, amene ali ndi avareji ya msonkho wa katundu wa 2.23% wa ndalama zokhala panyumba, nyumba yakhala ndi ndalama za msonkho wa pachaka za $1000,000 ($9,000). Kutembenuza ndalama za ndalama zokwana $750 pa mwezi kumatanthauza kulipira nyumba. Oyendetsa malo a nyumba ameneŵa kudutsa pa lendi yaikulu kwambiri .

Kugula ndi Kudya Zakudya

Nthaŵi iliyonse imene mugula nsapato, kudya pa lesitilanti, kapena kugula katundu wa m’nyumba, msonkho wa malonda wa kumaloko umawonjezera ku chiwonkhetso. M'mizinda yapamwamba ya misonkho monga Chicago, boma ndi liwonkhetso la kumaloko limaposa 10.25%, kutanthauza kugula ndalama zokwana madola 100. Pachaka, banja limawononga $3,000 pa zinthu zogulitsidwa ndi mautumiki mwezi pa ndalama za msonkho ndi kulipira ndalama zowonjezereka $3,30,000 m'misonkhoma ya malonda a kumaloko poyerekezera ndi banja m'malo otsika monga Coloradorado Spylands (ku kuli ndi mlingo wophatikizapo 8% kapena osakwanira). Kusiyana kumeneku kumachepetsa mwachindunji mphamvu yotha kulipira ndalama.

Zoyendera ndi Kuyenda

Misonkho ya m'dziko imasintha ndalama zoyendera kudzera m’njira zosiyanasiyana. Msonkho wa gasi (kawirikawiri umaperekedwa ku mayiko onsewa) umawonjezera mtengo wa ndalama zimene amalipira pa lita imodzi. Msonkho wa katundu kapena ndalama zolipirira zinthu, zomwe zimalipidwa chaka chilichonse m’mayiko ena, zimawonjezera ndalama zimene anthu amalipira pogula galimoto yatsopano kapena pogwiritsa ntchito. Ndalama zogulitsira anthu pa misonkho yakwawo ndizo zingawonjezere ndalama zimene anthu amafunikirazo, koma anthu okha amene amagwiritsa ntchito ntchito ntchito ntchitoyi ndi amene amalipira ndalamazi.

Kusamalira Thanzi ndi Inshuwalansi

Ngakhale kuti misonkho ya kumaloko imakhudza kwambiri, misonkho ya m'chipatala imawonongedwa mwa misonkho ya m’chigawo cha chipatala (yogwiritsidwa ntchito popereka ndalama za zipatala za boma) ndiponso mwa kupereka msonkho wa katundu wothandiza madipatimenti a zaumoyo. Magawo okhala ndi njira zaumoyo zosayendetseka bwino angaone ndalama zokwezedwa kwambiri za inshuwalansi kapena kugwiritsidwa ntchito kwambiri kwa ma chipinda changozi. Misonkhoma ya katundu imalipira ndalama zoombera moto ndi mautumiki a EMS, zimene zingakhudze ndalama zoyendetsera inshuwalansi ya eni nyumba .

Kusiyana kwa Misonkho ya M’madera Ena

Mabanja aŵiri olandira ndalama zofanana m’mbali zosiyanasiyana za dziko angakhale ndi mtolo wa msonkho wosiyana kwambiri ndipo, potero, ndalama zotayidwa zosiyanasiyana.

Malo a Matauni Apamwamba

Mizinda yaikulu monga New York, San Francisco, Chicago, ndi Los Angeles imaphatikiza misonkho ya katundu, misonkho yapamwamba, ndiponso misonkho ya ndalama zimene anthu amalandira ku New York City, mwachitsanzo, amakhoma msonkho wa ndalama zimene amapeza ku 876 peresenti pa msonkho wa boma. Misonkho ya katundu imakweranso. Zimenezi zimapanga ndalama zambiri zogulira ndalama zimene mabanja amafunikira kuti apeze ndalama za msonkho, kuchepetsa ndalama zimene amasunga ndi ndalama zimene amasunga.

Madera a Kumidzi ndi Kumidzi ya Subran

Madera akumidzi ndi makampani ambiri aang'ono amachepetsa msonkho kuti akope anthu ndi mabizinesi. Mwachitsanzo, mbali zina za Texas zilibe msonkho wa ndalama zimene zimapezedwa ndi ndalama zotsika pa 1.5%. Makampani a msonkho m'madera akumidzi angakhalenso otsika. Komabe, ndalama zotsika za msonkho kaŵirikaŵiri zimachepetsa mautumiki a anthu onse . Nthaŵi zamwadzidzidzi, nthaŵi zosamalira zamwadzidzidzi, ndi zosangalatsa zochepera. Anthu a m'dziko ayenera kupenda malonda pakati pa misonkho ndi kuchepetsa mkhalidwe wa utumiki.

Malo Okhala Msonkho ndi Madera Apadera

Malo ena amapanga misonkho yapadera imene imathandiza kuti anthu ayambe kumanga bwino kapena kuti akonze ntchito.

Misonkho Yobisika ndi Yokhoma

Kuwonjezera pa magulu aakulu, misonkho yambiri ya kumaloko yosawoneka kwenikweni imayambukira ndalama za tsiku ndi tsiku.

  • Msonkho wauve: Matauni ambiri amakhoma msonkho pa magetsi anu, gasi wachilengedwe, madzi, kapena thumba , nthaŵi zambiri amawonjezera mlingo wa ndalama zimene munawonjezera pa ndemanga iliyonse ya mwezi uliwonse.
  • Kusunga msonkho: Pamene kulipidwa kwakukulukulu ndi apaulendo, misonkho imeneyi (kaŵirikaŵiri 3-8% ya chipinda) imawonjezera mtengo wa ulendo wa kumaloko, umene umayambukiranso mabizinesi ndi antchito a kumaloko.
  • Msonkho wa kuchuluka ndi wa ndudu: Nthaŵi zina maboma akumalo amawonjezera msonkho wawo pa zoledzeretsa, fodya, kapena chiwindi, kukweza mitengo kwambiri.
  • Misonkho ya kurenda yanthaŵi imodzi: Poyankha kuwonjezereka kwa Airbnb ndi VRBO, mizinda yambiri tsopano imakhoma marendi anthaŵi yochepa, amene angawonjezere mtengo wa anthu okhala m’madera amene nthaŵi zina abwereka zipinda kapena nyumba.
  • Kupatsirana ndi ndalama: Malipiro a kupaka kwa kumaloko, kuchulukitsa, ndi misewu ya malipiro abwino a antchito omwe amagwira ntchito mofanana ndi misonkho, kuwonjezera ku mtengo wa zoyendera.

Kaŵirikaŵiri misonkho yobisika imeneyi imakhala yaing’ono m’mlingo koma monga gulu imawonjezera. Banja lingakhoze kuwonjezera $100-200 pachaka pa misonkho yothandiza pa ntchito, kuphatikizapo ndalama zowonjezereka mazana angapo m’magalimoto, kulembetsa mapepala a galimoto, ndi kutulutsa misonkho.

Kukhoma Msonkho ndi Kunyoza Anthu A m’Dzikolo

Maboma ambiri amakhoma misonkho imene imachititsa kuti anthu asamakhoze kulipira msonkho kapena kuti asamatengere malamulo a boma.

  • Kusaloŵa m'malo a panyumba: Maboma ambiri amalola eninyumba kuchotsa gawo la mtengo wa nyumba yawo ku misonkho ya katundu, kuchepetsa ndalama zolipidwa. Izi kaŵirikaŵiri zimachitidwa pa nyumba zoyambirira kuthandiza eninyumba.
  • Nzika ya kusamutsidwa ndi kulumala: Mafeade (monga ngati opitirira 65) ndi nzika zopunduka zingayenerere kaamba ka ndalama zochepetsera msonkho wa katundu kapena kuundana pa liŵiro lowonjezereka.
  • Maboma ena amaletsa kulipira msonkho pa zinthu zofunika: Ndalama zina zimaletsa zakudya, mankhwala ololedwa, ndi zovala pa msonkho wa malonda, ngakhale kuti malamulo a kumaloko angakhomebe msonkho zinthu zimenezi m’zochitika zina.
  • Ndalama za msonkho zopezedwa: mizinda ingapo imapereka ngongole ya malipiro a malipiro kapena ngongole za mabanja olandira ndalama zochepa kuchepetsa msonkho wa ndalama zimene amapeza.
  • Kuchepetsa msonkho kwa mlingo wa ndalama: Ena amalola akuluakulu kuchepetsa kukhoma misonkho ya katundu kufikira nyumba itagulitsidwa, kuchepetsa kukwera kwa ndalama.

Anthu ambiri sadziwa kuti anthu a m’derali ali ndi mawebusaiti a boma ndiponso mamaofesi ofufuzira msonkho.

Kusamalira Msonkho Wanu Wam’deralo

Ngakhale kuti simungapeŵe konse misonkho ya kumaloko, mungachitepo kanthu kuti muchepetseko chiyambukiro chake pa ndalama zanu zaumwini.

Dziŵani Msonkho Wanu wa M’deralo

Yambani mwa kufufuza mitapo ndi malamulo mu mzinda wanu ndi chigawo. Trust Foundation imafalitsa chaka ndi chaka State- Profesited Taxix Ranlial ] imene imasonyeza kuti nzika zimalipira ndalama zochuluka motani monga mlingo wa ndalama zimene mumalandira. Kudziŵa mtengo wanu wa msonkho kumathandiza ndi kulinganiza bajeti ndi nthaŵi yaitali.

Kulemba Nkhani za Msonkho

Ngati malo anu alola, gwiritsani ntchito maakaunti a za umoyo (HS AS), Maakaunti Osinthasintha Ogwiritsira Ntchito Ndalama (monga), kapena zopereka zopuma pantchito kuti muchepetse ndalama zokhometsera msonkho (makamaka misonkho ya m’dziko lanu).

Pemphani Msonkho wa Malo Anu

Ngati mtengo wa nyumba yanu ukuoneka kuti wapamwamba kwambiri malinga ndi malonda aposachedwapa, mungalembe chikalata chosonyeza kuti anthu ayamba kugula zinthu, ndipo eni nyumba ambiri amachepetsa ndalama zawo za msonkho mwa kupereka zinthu zogulitsidwa kapena umboni wakuti katundu wawo wawonongeka.

Muzigula Msonkho Mwanzeru

Kumadera amene kuli misonkho yambiri yogulitsa, ganizirani za kugula zinthu zazikulu (maapliance, maelectronic, mipando) zocheperapo ngati ndilo lalamulo. Kugula pa Intaneti kungayambitse “malamulo a msonkho", koma lamulo limasinthasintha.

Muzichita Nawo Boma

Pitani ku misonkhano ya bungwe la m'tauni, voti m'masankho a kumaloko, ndi kuchirikiza kapena kutsutsa zopereka msonkho. Lamulo la msonkho la kumaloko limapangidwa ndi wovota. Wosankha wolinganizidwa bwino angakakamize kaamba ka nyumba za msonkho zowonjezereka zogwirizana ndi kuwonongedwa kwa thayo.

Kukhoma Msonkho m’Malo Akwawo Mtsogolo

Zinthu zambiri zimene zidzasinthe mmene anthu okhala m’dzikolo adzatengere misonkho imeneyi m’zaka zikubwerazi.

  • Ntchito yobweza ndi nexus ya msonkho: [[FLT ] Pamene anthu ambiri akugwira ntchito panyumba, nkhani ya kumene ndalama zimapezedwa ikukhala yovuta. Matauni ena akuyesa kukhoma msonkho antchito osayang'anira malo akutali, zimene zimatsogolera ku nkhondo za lamulo ndi kusintha kwa misonkho yakwawo kumene kungathe kutsata.
  • Misonkho ya mautumiki a jigita: mautumiki otsatsa maprogramu, ndi kusatsa malonda kwa foni kumachitidwa mowonjezereka ndi misonkho ya malonda a kumaloko.
  • Kusintha kwa misonkho: Mitengo yapanyumba yomakwera yachititsa kuitanira kaamba ka zikhoma pamsonkho wa katundu kuwonjezereka kapena kuchuluka kwa kumasuka koonjezerapo kuletsa kusamuka kwa nzika za nthaŵi yaitali.
  • Misonkho yapamwamba: Malipiro a carbon, ndalama zolipidwa ndi madzi otentha, ndi kupenda kwa zobiriŵira kukubuka pamene maboma akusintha mkhalidwe wa dziko. Zimenezi zidzawonjezera ku magetsi ndi katundu patapita nthaŵi.
  • [[MT.0] Kudzisunga ndi kusonkhanitsa msonkho wa malonda: Luso lowongoleredwa lidzapangitsa kukhala kovuta kwa ogulitsa pa Intaneti kupeŵa kusonkhanitsa msonkho wa malonda a kumaloko, kukhoza kuchepetsa mtengo wa chinthu chimodzi monga kuwonjezera kwa maziko.

Kumaliza

Misonkho ya m'derali imagwiritsidwa ntchito kwa nthaŵi yaitali pa zachuma za anthu onse. Amasunga mautumiki ofunika kwambiri amene anthu a m'deralo amadalira tsiku ndi tsiku, komanso amakakamiza ndalama zolipirira m'mabanja. Mwakumvetsa mitundu yosiyanasiyana ya misonkho ya kumaloko, kuzindikira mmene imakhudzira nyumba, kugula, zoyendera, ndi zina zowonongedwa za tsiku ndi tsiku, ndiponso kudziwa za kusamvera ndi kusintha kwa malamulo, anthu angapange zosankha za ndalama zabwino. Kaya ndinu wophunzira wophunzira wamaphunziro a zachuma, mphunzitsi wokonzekeretsa phunziro, kapena banja logwiritsa ntchito ndalama, kupenda bwino katundu wa msonkho. M'nyengo ya kusalingana ndi kusintha kwa ntchito, kukambirana za amene akulipira zinthuzo kwa / ndi zimene zidzakula chifukwa chake.