Irhafu yempahla imela enye yeembopheleleko zemali eziphindaphindwayo kumnini-mhlaba, kodwa abantu abaninzi abayazi kakuhle indlela abasebenza ngayo, indlela abayifumana ngayo, kunye nobungakanani obupheleleyo bempembelelo yabo. Ukuba ungumnini-ndlu wokuqala, umthengi wemali osele ebhankini, okanye umqeshi onetyala eligqithisileyo, okwaziyo ukuhlawula irhafu, ukufumanisa ukuba iinkokhelo zemali yemali yerhafu ibalulekile ekucwangciseni kakuhle. Olu khokelo lubanzi lwaphula zonke iinkalo zerhafumza-mpahla, ukusuka kwindlela yokuhlolwa ukuhlawula izinto ezikhethwayo, imigaqo yokukhulula, imigaqo yokuhlawula iprojelo, kunye nemiphumo yokungahlawulwa kwemali. Ngokumanyazi lolwazi, uya kuxhotyiswa bhetele ekulawuleni irhafuthengi, wenze izigqibo zokuthenga ngemali, nokuzisela ngentengonentembelo kubaphathi-rhafu yasekuhlaleni.

Iyintoni Irhafu Yempahla?

Iirhafu zempahla zikhongozelelwa ngerhafu ezihlawulwa ngurhulumente wasekuhlaleni `amatyala, izixeko, izithili zesikolo, kunye nesithili esikhethekileyo serhafu-"emhlaba" kwaye, kwezinye iimeko, impahla yobuqu. Ingeniso eveliswayo ngumthombo oyintloko weenkonzo zikawonke-wonke ezifana nemfundo, amapolisa kunye nomlilo, izithuthi, iipatroli, amathala eencwadi, kunye nemisebenzi yolawulo. Ngokungafaniyo nengeniso okanye irhafu yentengiso, iirhafu zempahla zisekelwe kwixabiso lemali eluncedo ngokwayo, zizenza zifumaneke imali eninzi ngokwentelekelelo-mali yasekuhlaleni.

Le ngcamango isukela kwimpucuko yamandulo, kodwa iinkqubo zale mihla zerhafu yempahla eUnited States zabunjwa kakhulu ngenkulungwane ye-19 nasekuqaleni kweye-20 njengoko amazwe ayefuna inkxaso-mali ethembekileyo yasekuhlaleni. Namhlanje, rhulumente ngamnye unesiseko sakhe sokuhlawula irhafu yempahla, kunye nomahluko ekuboneleni umlinganiselo werhafu, kunye nokufumaneka kwerhafu. Irhafu yempahla iqokelelwa ngokuqhelekileyo ngabagcini bee-mali bengingqi okanye abaqokeleli berhafu, kwaye imali isasazwa ngokweeemali zemali zasekuhlaleni.

Ukuqonda iirhafu zempahla kufuna ukuqaphela ukuba aziyombopheleleko emiselweyo . Ziyaguquguquka ngokutshintsha kwexabiso lempahla, irhafu, kunye nokungahlawulwa okufanelekileyo. Oku kuthetha ukuba ulawulo lwezikhuseli, ezifana nezibongozo ezifike ngexesha elifanelekileyo kunye nezicelo zokukhulula, zinganika ugcino-mali olunentsingiselo ngokuhamba kwexesha.

Indlela Ebalwa Ngayo Irhafu Yempahla

Ngelixesha iindlela zezibalo zohluka ngokolawulo, icandelo lomba lingaguquki: Irhafu yeProperty = (X Assesssion Rati yexabiso × Milllate) – Intelekelelo[[FLT: 1]. Ilungu ngalinye lidlala indima eyahlukileyo.

Ixabiso elithelekelelwayo kunye nexabiso lorhwebo

ixabiso elicingisisiweyo ngumntu omiselwe ngurhulumente omele oko kufunekayo kwimpahla yerhafu. Ngokufanelekileyo, lithelekisa ngokusondeleyo ixabiso [ qha ixabiso lemali [] `ixabiso lomthengisi ovumayo uzakuhlawula umthengisi ozimiseleyo kwintengiso yobude bengalo. Assesss zisebenzisa iindlela ezintathu ezingundoqo ukugqiba ixabiso lentengiselwano yentengiselwano:

  • Isalathisi sokuthelekisa i-Approach: Eyona ndlela iqhelekileyo yeempawu zokuhlala, kuthelekiswa umba wento ethengiswayo kumakhaya afanayo kummandla, ulungelelaniso lomahluko wobungakanani, imeko, nendawo.
  • [[UMTL: 0] Uqikelelo lwendlela yokuhamba: lulinganisela ixabiso lokuphinda ulwakhe ulwakheko ngamaxabiso angoku, thabatha uhlahlo, dibanisa ixabiso lomhlaba. Idla ngokusetyenziswa kwimpahla ezahlukeneyo okanye ezintsha.
  • Ingeniso efikayo: isetyenziselwa ukuvelisa ingeniso yempahla enjengezindlu okanye izakhiwo zentengiso, ngokusekelwe kwingeniso yomnatha umthi ovelisayo kunye nomlinganiselo wokonga.

Umhloli usebenzisa enye okanye ngaphezulu yezi ndlela aze aphinde ixabiso lentengiso ngomlinganiselo wokulinganisa [ ukufikelela ixabiso lohlolo. Amazwe amaninzi agunyazisa umlinganiselo ofanayo (umz., 100% wexabiso lentengiso), ngelinye ixesha amanye asebenzisa uhlolo oluneengxenge-qhezu (umz. 60% okanye 80%).

Isantya semilingo kunye nexabiso lerhafu

Umzekelo, isantya sokusila i-20 000 sithetha ixabiso elithelekisayo [okanye umlinganiselo wokusila] yixabiso lerhafu eboniswa kwimiquba, apho umsila omnye ulingana ne-$$1,000 kwixabiso lobalo lwemali ewuphicotho. Umlinganiselo, ipesenti ezi-20-isijikelezileyo ithetha ipropati enexabiso elithelekisayo lemali e-R3,000 [R1,50 000] kwirhafu phambi kwentengiso. Intengo yemali-mali yerhafu nganye ehlawulwayo (ilo, isixeko, ibhodi yesikolo, njalo njalo), kunye nenani elipheleleyo liyimali yerhafu efunekayo.

Izicelo ezizodwa kunye nezinye iioyile

Ukongeza kwirhafu yempahla jikelele, izinto ezininzi ziphantsi kohlolo olukhethekileyo lwentswela-ncopho ezithile zasekuhlaleni ezifana nokulungisa ipayi, indlela yokuhamba endleleni, iintambo zomchamo, okanye izibane zesitrato. Ezi zidla ngokuhlawulwa ngepasethi nganye okanye ngonyawo ngalunye olungaphambili kwaye zidla ngokuhlawulwa ngokweendleko kwiminyaka emininzi. Uhlolo olukhethekileyo aluxhomekekanga kwixabiso lempahla kwaye lwahlulwa kwirhafu ye-oryemfonte.

Iintlobo Zerhafu Yempahla

Ukuqonda iindidi ezahlukahlukeneyo zerhafu yempahla kukunceda ubone iimfanelo onokuzifumana uze ucebe ngendlela efanelekileyo.

Irhafu Yempahla Yokwenene

Olu lolona hlobo luqhelekileyo, lujongwa emhlabeni nakweziphina izakhiwo ezisisigxina ezidityaniswe kuyo, izakhiwo, izakhiwo zokuhlala, iindawo zokuthengisa, kunye namaqashiso angenamntu. Irhafu yempahla yokwenene yeyona nto iphambili kweli nqaku kwaye yeyona ndawo inkulu kwirhafu yempahla.

Irhafu Yempahla Yobuqu

Iimeko ezininzi zimisela irhafu kwimpahla yomntu ngamnye.[FLT]]]

Irhafu yothutho

Le rhafu ibizwa ngokuba [ irhafu yokudlulisa irhafu edluliselweyo okanye [[FTLT:2]] irhafu yokwethula umhlaba [, le yimali yexesha elinye ebekwe xa ubunikazi bempahla butshintsha izandla. Izixakeko ziyahluka ngokwemeko kwaye ngamanye amaxesha ngokwendawo. Ukugqithisa irhafu kuhlawulwa ngumthengisi, nangona isiko okanye inkcithotho isenokuwushumayeza umthwalo kumthengi. Ayiqukutyelelwa rhoqo ngonyaka kodwa irhafutheza inteko yokuphela kwexabiso kwaye kufuneka ingeniswe kulwabiwo lwemali yemali yefa yogcino lwelizwe lokwenene.

Izicelo ezikhethekileyo

Uqikelelo olukhethekileyo olugqunywe ngokufutshane ngasentla, ummandla wolwahlulo olwahlukeneyo kuba luxhasa imisebenzi ethile yezibonelelo kwaye luhlawulwa ngepasile nganye kunokuba kusekelwe kwixabiso.

Ukuqonda Irhafu Yakho

Irhafu yemali yemali inika inxalenye eziliqela. Ukwazi ukufunda imigca nganye kukunika amandla okuqinisekisa ukuba inyanisile kwaye ibona iimpazamo ezinokwenzeka.

  • [[UMTL:0] Inani leParcel okanye i-ID ye-akhawunti: Umqwalaseli okhethekileyo womhlaba wakho kwinkqubo yerhafu yommandla.
  • [[UMTL: 0] Igama neDilesi yoManiseki: Umnini obhaliweyo ngexesha lohlolo.
  • [[UMTLL:0] Inkcazelo eProperty: inkcazelo esemthethweni okanye idilesi yendawo yepasile.
  • Ixabiso lelizwe kunye nolungiso: Ngamanye amaxesha kuboniswe ngokwahlukeneyo; isixa silingana nexabiso lorhwebo lonke.
  • Ixabiso elicingisisiweyo: Emva kokusebenzisa umlinganiselo wohlolo kwixabiso lentengiso.
  • [[UMTL:0] Uluhlu lokukhulula olunciphisa ixabiso elihlawulwayo, njengekhaya elisendlwini okanye ummi omkhulu.
  • Ixabiso elinokucinywa: ixabiso elicingisisiweyo elithabatha iiregistation, inani elisetyenziselwa ukubala irhafu.
  • [[UMTL: 0] Isantya semilingo): Umlinganiselo wojiyolo ulonke lwamagunya arhafisayo (ilizwe, isixeko, isikolo, isithili esikhethekileyo).
  • [[UMTL: 0] Uxanduva loMsebenzi ngamnye: Amanye amatyala aqhawula irhafu etyala kwiqumrhu ngalinye phambi kokubonisa isimbuku.
  • [[UMTL: 0] Izicwangciso ezikhethekileyo: Naziphi na izixanduva zolungiso lwengingqi.
  • Irhafu epheleleyo ilindelekileyo.[[FT.1] Isixa serhafu kunye nohlolo, rhoqo emva kwetyala okanye ukuhlawula kwangaphambili.
  • [[UMTL:0] Imihla elindelekileyo kunye neShedyuli yePentelty Shedyuli: Ulwazi xa intlawulo ifuneka kwaye isohlwayo sokufika emva kwexesha.

Ukuba uphawula nayiphi na ukungavumelani − njengenkcazelo yempahla engachanekanga, phinda ukhuphele ngaphandle, okanye ixabiso elibalisiweyo elingeyiyo", jongana ne ofisi yomhloli wobulali ngoko nangoko. Iimposiso ziqheleke kakhulu kuneengcamango ezininzi kwaye zingalungiswa ngoxwebhu olulungileyo.

Izikhuseli kunye nezinyusi

Ukungahlawuli irhafu yepropati kunye nokuhlaliswa kwerhafu kunciphisa ixabiso lemali yempahla, kunciphisa ngokuthe ngqo imali onayo. Ukufumaneka kwemali kuyahluka-hluka kakhulu ngokorhulumente, ingingqi kwanangesixeko, ngoko kubalulekile ukuphanda ngeemfuno zasekuhlaleni.

Iintsomi eziqhelekileyo

  • Intestead Expection: efumanekayo kubaphathi bendlu abaphambili, ngokuqhelekileyo ikhulula umlinganiselo osisigxina okanye ipesenti yexabiso elithelekelelwayo. Amatyala amaninzi akhulula ukhululeko kwimali ethile (umz., iidola ezingama-25,000 okanye ii-$50 000).
  • [ Ukukhulula kwemimini ehlala abantu: kubanini-makhaya ngaphezu kweminyaka ethile (ngokuqhelekileyo 65+), isoloko ibotshelelwe kwimida yengeniso. Ukukhulula kusenokuba kukhulu, maxa wambi kususa indawo enkulu yomthwalo werhafu.
  • [[FLT: 0] Intengiso ekhutshiweyo: enikezelwe kumaphondo amaninzi kumagqala aneziphene ezinxulumene nenkonzo. Ukhululeko lusoloko lusebenza ngesantya sokukhubazeka.
  • Umntu okhutshaziwe: kubantu abaneziphene ezisisigxina abafikelela kwimilinganiselo enjengengeniso okanye imida yempahla.
  • Ilizwe lolimo neLizwe lamahlathi: Ilizwe elisetyenziselwa ukulima okanye ukulima amahlathi lingajongwa ngexabiso elikulo kunexabiso lemarike, ukucutha irhafu kwipropati yasemaphandleni.
  • Ukukhutshwa kweMandla e-Historic: Abanye oomasipala banika abanini berhafu yerhafu kubaphathi bemisebenzi ethile embali abayigcinayo ngokwemilinganiselo yogcino.
  • Ubukho becawa kunye ne-Charitable Exdefision: Iimpawu zeentlangano zonqulo, iinzuzo, kunye neembutho zokunceda ezisetyenziselwa iinjongo zokungabikho kwerhafu zidla ngokutshayelela irhafu, nangona oku kungabhekiseli kwindlu yomniniyo yobuqu.

Ukufaka isicelo sokukhulula kudla ngokufuna ifomu ye-ofisi yomhloli nokunika uxwebhu oluxhasayo (isiqinisekiso sokuzalwa, ireyithingi yokukhubazeka, ubungqina bengeniso, njl.njl.). Iilayini ezifileyo zesicelo zinokuba ngqongqo, ngoko zicwangciswe izikhumbuzo zekhalenda ukuphepha ukulahleka kwefestile yonyaka.

Ukongeza kukukhululwa kukarhulumente, usenokuba ufanele ukuhlawuliswa kwerhafu yerhafu ehlawulwayo kwirhafu yempahla ehlawulwayo. Inkonzo yengingqi yeNguqu ikuvumela ukuba unciphise ii-$10 000 (R350 000) zikarhulumente ukuba utshatile) nerhafu yasekuhlaleni (kuquka irhafu yempahla) ekubuyiseni kwakho ukuba uthenge izihlawuli. Olu lwabiwo lungahlisa ezinye zendleko yabanini bendlu kwimimandla yerhafu ephezulu.

Ukuhlawula Irhafu Yempahla

Ukulawula ucwangciso lokuhlawula kubalulekile njengokuqonda ityala ngokwalo. Imali ehlawulwayo isenokubangela isohlwayo esibalulekileyo nenzala, ngoko sebenzisa iqhinga lokuhlawula elifanele ukuphuma kwakho kwemali.

Iindlela Eziqhelekileyo Zokunikezela

  • Ubhatalo kwiNtontela: Pamba ngelayini udlula kwityala/ikhadi le-ebit (ngokufuthi umba woncedo), ngokukhangela, okanye ngokuthumela itsheki okanye umyalelo wemali. Amanye amagunya ayamkela kwintlawulo ye-person kwi-ofisi yephondo.
  • [[NTLT: 0] Iityala ezikroliweyo Ngentengo yeMortgage: Abanini-khaya abaninzi ababolekisa ngetyala banetyala lomnikelo apho abolekisayo beqokelela khona inxalenye yerhafu yempahla eqikelelwayo yonyaka kunye nentlawulo nganye nyanga nganye. Umboleki ngoko uhlawula umqokeleli werhafu ngenxa yakho. UEscrow uqinisekisa ukuba irhafu ihlawulwa ngexesha kwaye usasaze iindleko kunyaka, kodwa kufuneka uqinisekise ukuba umlinganiselo we-ecrow unyanisile ulungile.
  • Izicwangciso zokubonelela: Amanye amazwe kunye nobalo lukuvumela ukuba uhlawule iirhafu zempahla ngamacandelo amabini okanye amane ngonyaka, ngokufuthi unenzala ephantsi okanye engekhoyo ukuba ihlawulwa yimihla efunekayo. Oku kungaluphucukisa uqingqo-mali kwabo bangenayo ityala lokukhupha ii-ascrow.
  • [[UMTHLOBO: 0] Imali ehlawulwayo: Ungahlawula uqikelelo lwemali kwirhafu yonyaka ozayo, maxa wambi ngexabiso eliphantsi ukuba igunya lakho linika intlawulo yangaphambili. Jonga nomqokeleli werhafu.

Iintlawulo ezibhatalayo kunye nexesha lokuthotyelwa

Imihla elindelekileyo iyahluka ngokombuso nangokommandla. Ezininzi zinomhla ophambili ofunekayo ngoDisemba okanye ngoJanuwari, nencopho yesibini efuneka ngoAprili okanye ngoMeyi. Inani elincinane lamazwe linemali ehlawulo ekufuneka iphelele yonyaka epheleleyo. Imikhosi emininzi inikela ixesha elilungileyo leentsuku ezingama-30-60 ngaphambi kokuba isigwebo siqale ukukhutshwa. Izinga eliphantsi lidla ngokuqala ku-1/2% ngenyanga kwaye linokudibanisa, ngoko kwanolibaziseko okufutshane kubiza imali eninzi.

Ukuba uthengisa umhlaba, irhafu yempahla idla ngokukhutshwa xa kuvalwa, ithetha ukuba umthengisi uhlawula inxalenye yonyaka abawufumene ngayo, kwaye umthengi uhlawulela umthengisi othengisiweyo. Qinisekisa ukuba inkampani yakho yezakhama kunye nenkampani yequmrhu ifaka isicelo sokuqinisekisa ukuba imigaqo echanekileyo yokuphepha iingxabano zasemva kokuphuma kwemali.

Imiphumo Yokungahlawuli Irhafu

Ukuqonda ixesha lokunyanzelisa abanyanzeli bemithetho kukwenza uthabathe amanyathelo ngokukhawuleza xa unikezela emva kokukhotyokiswa yirhafu.

Imali kunye nomdla

Ngokukhawuleza emva komhla olindelekileyo (okanye ukuphela kwalo naliphi na ixesha lobubele), umlinganiselo ongahlawulwayo uqalisa ukunikwa izigwebo nenzala engahlawulwayo. Inzala yerhafu engekho mthethweni idla ngokuba ngaphezulu kunemali-mboleko yabathengi eqhelekileyo, maxa wambi 10-18% ngonyaka. Iindleko ezongezelelekileyo zingahlawulwa ngenxa yokungalawuleki.

Irhafu

Emva kwexesha elichaziweyo (ngokuqhelekileyo 60-90 kwiintsuku ezigqithileyo), igunya elirhafisayo libeka i-' irhafu yenkohliso' kwimpahla. Oku kudibanisa kwisihloko kwaye kuthatha indawo yokuqala kwezinye ii-i-ixo, kuquka nezindlu zendlu. Amafu erhafu ajijan, ayenza ibe nzima ukuthengisa okanye ukulahla impahla. Ikwavela kwingxelo yakho yetyala, ekwaziyo ukunciphisa ityala lakho.

Ukuthengiswa Kwerhafu / Ukukhuselwa

Ukuba irhafu ihlala ingahlawulwa ngexesha elide, ngokubhekiselele kumthetho karhulumente, ingaba iminyaka emithathu exhomekeke kurhulumente, urhulumente wasekuhlaleni angathengisa irhafu exokisiweyo kumnini-mali wabucala [[FLT: 0]] irhafu ethengiswe ngqo kwipropati okanye ibhaso elithengiswe nge- okanye ibhanki ifaksi] yemali ethengiswayo [[[[FLT]]]]] irhafutheliswa ngerhafu, umnini-mali uhlawula irhafutheze irhafu kwaye ahlawule inzala encinci; umnini wempahla unethuba lokuhlawulela (kuphinda iminyaka emithathu) ukuhlawula umnizo wokuhlawulela impahla. Kwisitimente, ilizwe elithengisa impahla ngokwalo, ne-moni ulahlekelwa lilo lonke ilungelo lokuhlawulela ityala.

Ukuba uzama ukuhlawula, qhagamshelana nomqokeleli werhafu wakho ngokukhawuleza kangangoko kunokwenzeka. Ulawulo oluninzi lunika izivumelwano okanye ulwandiso olunzima lwenqanawa [ olunokuthi luthintele irhafu ekugcinweni okanye ukuthengiswa. Amaziko acebisa ngezindlu angancediswa kwingxoxo.

Ukucenga Irhafu Yempahla Yakho

Ukuba ukholelwa ukuba ixabiso lempahla yakho liphezulu kakhulu, --ukuhlawula irhafu engafanelekanga, unelungelo lokubhena. Izibheno ziphumelela kakhulu xa zisekelwe kwimpazamo zenyaniso okanye ukungangqinelani okubalulekileyo xa kuthelekiswa nezinto ezifanayo.

Izinto Eziqhelekileyo Zokubhenela

  • Ugcino-lwazi lwemiboniso oluchanekileyo: Iimpazamo kwimilinganiso esiskwere, inani lamagumbi okulala, ubungakanani belo thayile, okanye imeko zingazalisa ixabiso lexabiso. Fumana ikhadi lakho lerekhoda yempahla kumhloli kwaye uqinisekise iinkcukacha.
  • Intengiso engalinganiyo: ixabiso lomlinganiselo womnikelo wakho liphezulu kakhulu kuneempawu ezifanayo kwindawo enye (intengiso epheleleyo). nikeza ubungqina bakutshanje bentengiso yamakhaya alinganayo aneengxelo ezisezantsi.
  • Lahla kwixabiso lorhwebo: Ukuba amaxabiso efama kummelwane wakho ehlile ukususela kuhlolo lokugqibela, ungaphikisa ngelithi uxabiso lomhloli alubonisi iimeko zentengiso zangoku.
  • Intengo ziphoswe: Ukuba unelungelo lokukhululeka okungasetyenziswanga, inkqubo yesibheno ingayilungisa kwanalo.

Amanyathelo Okubhenela

  1. [[UMTLL:0] Jonga isaziso seNkangeleko: hlolisisa isaziso seempazamo kwinkcazelo yempahla, ixabiso, kunye nokukhulula.
  2. Ubungqina obukhoyo: Uthengiso lwakutshanje oluthelekisayo (kwinyanga ezidlulileyo ezi-6/12), uvavanyo, iifoto zeziphene, kunye noluphi na uqikelelo lwexabiso lobuchule.
  3. Ukudibana ne-ofisi yoMphathi: iimpazamo ezininzi zingasombululwa ngokungacwangciswanga. Biza okanye tyelela ukuze uxubushe ixhala lakho phambi kokufaka isibheno esisemthethweni.
  4. Ifayile Isibheno somthetho: [iindlela efanelekileyo (ekusoloko kubizwa ngokuba “isibheno serhafu esifanelekileyo” okanye“isicelo”) kwibhodi yengingqi yokulinganisa okanye ibhodi yezibongozo ezizimeleyo. sebenzisana ngokupheleleyo nexesha elipheleleyo (idla ngokuba 30/60 iintsuku ukusuka kumhla wohlolo.
  5. [[UMTL:0] Lungiselela ukuvakala: Ungafuneka unikele ubungqina bakho ekuchotshelweni. Cinga ngokuqesha umcebisi werhafu, igqwetha lezezwe, okanye ugqibo olugunyazisiweyo olunamava kwizibheno zasekuhlaleni.
  6. [[FLT: 0] Alinde isigqibo: Ibhodi iza kukhupha isigqibo, esinokuthi sinciphise uhlomelo. Ukuba ayivunywanga, kumazwe amaninzi ungayandisa kwinkundla yerhafu yomgangatho karhulumente okanye inkundla ephezulu.

Khumbula ukuba uhlolo olunomtsalane aluyichaphazeli imbopheleleko yakho yokuhlawula irhafu yantlandlolo ngexesha isibheno silindile. Phatha umlinganiselo ofanelekileyo (okanye ubuncinane isahlulo esingavavanywanga) ukuphepha isohlwayo; ukuba isibheno sakho siphumelele, uza kufumana imali ehlawulelwayo ehlawulwa imali eninzi.

Ubuchule Bokuphatha Irhafu Yempahla Yakho

Ngaphandle kokuncitshiswa nokufuna ukukhululwa, abanini - mpahla banokusebenzisa iindlela eziliqela ezisetyenziswayo ukugcina irhafu ilawuleka.

Ukulungisa Izinto Ezinkulu

Ukuhlaziywa kwegumbi elingaphantsi, ukugqibela umgangatho ongaphantsi, okanye ukwakha umgangatho, kuza kwandisa ixabiso elithelekelelwayo kwaye ngaloo ndlela irhafu yakho. Ukuhlisa iziphumo ezikhawulezileyo, qwalasela inkqubela-phambili ekhawulezileyo kwiminyaka emininzi okanye ukuyigqiba emva komhla wohlolo lonyaka werhafu ozayo. Ezinye imigaqo-mthetho inikela ikhefu yerhafu yexeshana lolwakhiwo olutsha okanye ukubuyiselwa kolwazi oluqinileyo; khangela imithetho yasekuhlaleni.

Sebenzisa izicwangciso zokubhatala nohlahlo-lwabiwo-mali

Ukuba uqingqo-mali lwakho luqinile, ukubhalisa kucwangciso lwecangci okanye ityala lokutsala ingakhusela uhlawulo olukhulu lwentlama. Ezi zixhobo zokusasaza ixabiso ngaphezu konyaka kwaye, kwiityala zonyuso, ziqinisekisa ukuba ibhatalo yenziwa ngexesha ngaphandle kokuba ufuna ukuba ukhumbule imihla efunekayo.

Hlola Iziphumo Zomsebenzi Wakho Ngonyaka

Musa ukulindela ulwando olukhawulezileyo ukuze uhlole uhlolo lwakho. Nyaka ngamnye, qinisekisa ukuba ixabiso lepropati yakho alinyukanga ngokugqithisileyo kwintengiso. Zityikitye ukuze ulandelise izilumkiso ezivela kumphathi-mbutho wakho, uze uhlole umqulu werhafu kwi-intanethi ukuze uthelekise impahla yakho nabamelwane.

Khangelani Kugqirha Werhafu

Kwimeko entsonkothileyo . "njengendawo yokuqesha, iipasile ezininzi, okanye izinto ezininzi kwimida yeli lizwe"a ingcali yerhafu (iCPA okanye umcebisi werhafu) ingawachaza amathuba okulondolozwa kwemali ongayiphoswa, njengentengo yempahla yamashishini amatsha okanye amashishini.

Indima Yerhafu Yempahla Kurhulumente

Iirhafu zempahla azingomthwalo nje; zilelitye ledemokhrasi yasekuhlaleni. Malunga 30% yengeniso yorhulumente wasekuhlaleni eUnited States ivela kwirhafu yempahla, ngokwe U.S. . . Centification Bureaution. Le mali ixhasa ngqo iinkonzo ezixhomekeke kubaphathi bempahla kunye nabaqeshi bemali ezixhomekeke kwimihla yonke.

  • Imfundo ePhakamileyo: Isiqingatha semali yerhafu yempahla kwimimandla emininzi yesikolo, inkxaso-mali yemivuzo yabafundisi- ntsapho, izibonelelo, ezothutho, kunye neenkqubo zemfundo.
  • [[UMTL: 0] Ukhuseleko lwePublic: Amapolisa, amasebe omlilo, kunye neenkonzo zonyango zongxamiseko zifumana intsalela enkulu yerhafu yasekuhlaleni.
  • Isiseko sogcino-lwazi kunye nezothutho: Iindlela, iibhulorho, iimpawu zothutho, kunye neenkqubo zothutho lukawonke-wonke zigcinwa ngerhafu yempahla.
  • [[NTL:0] Isihe kunye neeNkonzo zoluntu: iikliniki zoluntu, iinkonzo zempilo yengqondo, kunye neenkqubo zabakhulileyo kunye neentsapho ezifumana imali ephantsi ziyaxhaswa.
  • Inkcubeko neNkcubeko: ipaki, amathala eencwadi, amaziko oluntu, kunye neemyuziyam zisoloko zixhomekeke kwirhafu yempahla.

Ukuqonda oku kunokunceda abanini beempahla ukuba babandakanye kwiinkqubo zoqingqo - mali zasekuhlaleni, njengokuya kwiintlanganiso zebhodi yesikolo okanye ukuvota kwirhafu yempahla, beqinisekisa ukuba ii - dollar zabo zerhafu zisetyenziswa ngobulumko.

Isiphelo

Iirhafu zempahla zintsokothile kodwa zinokulawulwa. Ngokuqonda indlela ezibalwa ngayo, oko kufanelwe kukukhulula, nendlela yokuvavanya ngokungekho mthethweni, ungalawula iimbopheleleko zakho zemali kwaye ugcine amakhulu okanye amawaka eerandi nyaka ngamnye. Zigcine utshintsho kwimithetho yerhafu yasekuhlaleni, hlola uhlolo lwakho minyaka le, kwaye ungangabazi ukufuna icebiso lobugcisa xa kuyimfuneko. Ngolu lwazi, ungasebenzisa inkqubo yerhafu ngentembelo, uphephe iingozi ezibiza imali, kwaye uqinisekise ukuba irhafuthelo lwakho lwerhafu inikele ngokunelo kwinkonzo yoluntu olukhulisa ubunjani bobomi bakho. Kwiinkcukacha ezingakumbi kwimitafuwo yempahla kunye neemfuno, jongana noluntu ([FLD: 0]]])