Ukuqonda izintela zempahla kubalulekile kumninikhaya kanye nabathengi abafuna ukukhokha. Izintela zempahla zingayithinta kakhulu imali oyisebenzisa ekhaya, hhayi nje izindleko zakho zanyanga zonke kodwa futhi nohlelo lwakho lwezimali. Lenkongozelo yendawo ingenye yezindleko ezinkulu kakhulu eziqhubekayo zemisebenzi yasekhaya, ngokuvamile ezilingana nomshuwalense wendlu nezezimali. Ukuhluleka ukukhokhela zona kungaholela ekukhokheleni imishado, ukudayisa ngempoqo, noma ngisho nokukhokha intela. Lesiqondiso sichaza ngokujule ukuthi impahla isebenza kanjani, ukuthi ingakanani imali yakho, nokuthi yini ongayenza ukuze uyilawule ngokuphumelelayo.

Iyini Intela Yempahla?

Intela yempahla iphoqelelwa ukuba ikhokhelwe ohulumeni bendawo − ngokwezibalo, amadolobha, izifunda, kanye nezikhulu ezikhethekile ezikhokha intela yezindawo ("efaunt real exporation"). Inzuzo yentela yempahla edingekayo ezuzisa umphakathi ngokuqondile. Lezi zihlanganisa:

  • Imfundo ye-Purbeism: ingxenye enkulu kakhulu yentela yempahla ezindaweni eziningi ukuxhasa izikole zomphakathi zendawo (K-10-12).
  • Izakhiwo: Imigwaqo, amabhuloho, izibani zomgwaqo, imizila yezinyawo, nezimiso zokuhamba zomphakathi.
  • Ukuphepha kwe-Public: iminyango yamaphoyisa, iziteshi zomlilo, izinkonzo zezokwelapha eziphuthumayo, nokusabela enhlekeleleni.
  • [ Izindawo ezihlangene: amapaki, imitapo, izikhungo zokuzijabulisa, nezinkonzo zokukhucululwa kwendle.
  • iziphathimandla zikahulumeni wendawo: imiholo yezisebenzi, ukugcina amarekhodi, nemisebenzi evamile.

Intela efunyanisiwe ayifani. Izindlela zokuhlola ziyahlukahluka kakhulu ngokwezwe, isifundazwe, ngisho nangaphakathi kwedolobha elifanayo. Ezinye izifunda zinemigqomo yezindinganiso ezingakhuliswa minyaka yonke, kuyilapho ezinye zivumela ukuhlelwa kabusha kwenani lentengiselwano yezentengo unyaka ngamunye. Ukuqonda imithetho endaweni yakini kuyisinyathelo sokuqala ekuhleleni imali ngokunembile.

Indlela Intela Yempahla Ebalwa Ngayo

Ukubala intela yempahla kuhilela izici eziningana ezibalulekile ezisebenza ndawonye ukuze kunqunywe izindleko zakho zokugcina. Ukwazi isinyathelo ngasinye kukusiza ukuba ubone amaphutha futhi ubone ukuthi ungakwazi yini ukuwalondoloza.

Ukubaluleka Okucatshangelwayo

Inani elihlolwayo inani lemali empahla yakho eyabelwe ihhovisi lentela lendawo. Lelinani cishe njalo liyingxenye yenani lempahla. Isilinganiso phakathi kwenani lempahla nenani elihlolwayo sibizwa ngokuthi isilinganiso senani lempahla [. Isibonelo, uma ikhaya lakho libiza ama-$400,000 nesilinganiso sokuhlola singu-80%, inani lakho elilinganayo lingaba ngu-R320 000. Isilinganiso senani limiswe ngumthetho wezwe futhi lingalingana nazo zonke izinhlobo zempahla noma izinhlobonhlobo (umz., umnini-flayenzi ohlalayo v.).

Abahloli bamazwe banquma ukubaluleka kokusebenzisa inqubo eyodwa noma engaphezulu kwezintathu:

  1. Izilinganiso zokuqhathanisa indlela: ukuqhathanisa impahla yakho nezindlu ezifanayo ezisanda kuthengiswa kulendawo.
  2. Ukuthatha indlela: Ukuthatha izindleko zokuphinde unciphise ukwehla kwemali ekhaya lakho, kanye nenani lezwe.
  3. Ukufika kwemali: ngokuyinhloko kusetshenziselwa ukuqasha noma ukuthengisela, okusekelwe eholweni indawo engayidala.

Izakhiwo eziningi zokuhlala zihlolwa ngendlela yokuqhathanisa ukuthengwa. Izindawo zokudayisa ziqhutshwa ngezikhathi ezithile ($anuly, estude, noma kuphela lapho kuthengiswa impahla ngomthetho wendawo.)

Izinga Lebhomu Levy

Isilinganiso sentela yisilinganiso senani elihlolwayo lokubala intela ekweletwayo. Emazweni amaningi, amazinga entela avezwa kuma-$2,50]. Isigayo esisodwa silingana nentela ngenani lemali engu-R1 000. Ngokwesibonelo, izinga lentela lama-20 000 lisho ukukhokha u-R720 ngenani lenani lemali ehlolwayo. Uma inani lakho lingu-R320 000 (R7,000) ungakhokha 320 000 (R7,00) × = R7,50, 000 (imali entengosini yempahla).

Isilinganiso sentela siyinani lazo zonke izikhulu ezikhokhayo ezihlaliswayo − isikhulu, isifundazwe, isifunda sesikole, isifunda samanzi, isifunda sezincwadi, njalonjalo. Inhlangano ngayinye ihlela isigamu sayo siqu se-levy ngokwezidingo zayo zemali. Ingqikithi iyilokho okuvelayo ezikweletaneni zakho zentela.

Izinhlengo Nezithungu

Intethelelo inciphisa inani lempahla yakho, yehlise umthwalo wakho wentela. Inkululeko evamile ihlanganisa:

  • I-stestestet: Ikhona ezindlini eziyinhloko eziphethe umnikazi, ngokuvamile ezinenani elimisiwe lemali eshibhiwe noma ipesenti.
  • [ isakhamuzi esikhululekile: kubanikazi bekhaya kunobudala obuthile (ngokusho 65+), ngezinye izikhathi benesilinganiso seholo.
  • Ukukhulula noma ukukhubazeka: Kubantu abangomakad ’ ebona bezempi, abakhubazekile, noma abantu abakhubazekile.
  • Izindawo zezolimo noma zomlando ezikhululekile: kumhlaba osetshenziswa njengepulazi noma izakhiwo ezingokomlando.

Izinhlupheko ziyahluka ngokwezwe nendawo, ezinye zizenzakalela; ezinye zidinga isicelo saminyaka yonke. Ukungawutholi umsebenzi omisiwe kusho ukukhokha intela eningi kunaleyo edingekile.

Ukukhokha Intela Yempahla

[ Intela yeTaxi = (Inani elinqunyiwe – Izigwebo) × Intethelekiso[

Uma unentela eningi ehambisanayo, ubala ingqikithi yentela ngokunezela imikhiqizo entweni ngayinye ekhokhwayo, noma umane usebenzise i - levy ehlangene.

Umphumela Wentela Yempahla Emalini Yakho Yasekhaya

Nazi izindlela eziyinhloko ezithinta imali yakho:

Izimali Zomhlalaphansi Ezibhajwa Nyódwa (Umhlambi)

Ababoleki bezindlu abaningi bafuna abanikazi bezindlu ukuba bakhokhe intela yempahla nge-akhawunti ebhandeni. Ukhokha inyanga nenyanga ngentela yempahla kanye nomshuwalense. Khona - ke umbolekisi ukhokha intela uma kufika. Lelilungiselelo lisakaza intela yaminyaka yonke ngezinyanga ezingu-12, kodwa futhi lisho ukuthi inkokhelo yakho yanyanga ingashintsha uma intela yanda. Ukukhokha futhi noma ukukwehlisa isilinganiso kunganyusa imfuneko yakho yentela ngekhulu lama-irandiwe.

Ukuhamba Kwemali Nokungantengantengi

Intela yempahla ihlala njalo, ayikhokhwa ngemali. Ngisho nangemva kokuba isikweleti sakho sesikweleti sikhokhiwe, intela yempahla iyaqhubeka. Uma uhlela uhlelo lokuthenga indlu, kumelwe ufake intela yaminyaka yonke. Ngokwesibonelo, intela yonyaka ewu $3,000 [R1,50] inezela kumali yakho yokuhlala yanyanga zonke. Ezindaweni eziphezulu (umzz., izingxenye ze-New Jersey, Illinois, noma Texas), izintela zaminyaka yonke zingadlula ku-R3 000, okwenza ukukhokhelwa okuyinhloko.

Ukubaluleka Kwasekhaya Kuyacatshangelwa

Izintela zempahla eziphezulu zinganciphisa inani lemali yekhaya lakho. Abathengi abanolwazi bangaqhathanisa ingqikithi yezindleko zobunikazi, kuhlanganise nentela. Ikhaya elinentengo ephansi kakhulu kodwa intela ephakeme ingaba ekhangayo kunekhaya elinentela ephansi kakhulu. Ngokuhamba kwesikhathi, uma amazinga entela enyuka ngokushesha kunokwazisa ekhaya, lingavimbela ukufunwa kwempahla kuleyo ndawo.

Ukwanda Kwentela Nokukhokhwa Kwezithumba

Intela yempahla ayimi ndawonye. Ukuphinde ihlolwe kwaminyaka yonke, izilinganiso zesibopho esigunyazwe yivoti, noma izinguquko zemali yendawo zingabangela ukwenyuka okukhulu. Ngaphandle kwesephu lokuhlola isakhiwo noma isilinganiso sokuhlola, imakethe enyukayo ingaholela entengo ekhudlwana kakhulu, [1] kanye nemali yentela ephakeme kakhulu (nezentengo) uma ungashintshanga impahla yakho. Lokhu kungacindezela imali yasekhaya, ikakhulukazi kwabaholi beholi bemali emisiwe.

Izikhungo Zokuqondisa Intela Yempahla

Ukulawula izintela zempahla ngokuphumelelayo kungasiza ekunciphiseni ukucindezeleka kwezimali okubangelwa yizo.

Hlala Unolwazi Nohlelo Lwendawo

Kulandelela imihlangano kahulumeni wendawo futhi kuhlongozwe ukuhlelwa kwemali. Ukwanda okuningi kwentela kudinga imvume yamavoti noma ukuqulwa kwamacala omphakathi. Ukuba khona noma ukunikeza iziphetho kukunika imvume yokuthi amaRandi asetshenziswa kanjani. Futhi, faka imvume esaziso sehhovisi lomphathi wesifunda sezwe sakho sokuhlola kabusha okuzayo noma izinguquko emithethweni ekhululekile.

Bukeza Ukuhlolisisa Kwakho Ukunemba

Amaphutha emarekhodini empahla avamile ``i-skwele''', inani elingalungile lamakamelo okulala, noma izincazelo zempahla eziphelelwe yisikhathi. Thola ikhophi yekhadi lokuhlola lempahla yakho uqinisekise imininingwane. Uma uthola ukungavumelani, thinta ihhovisi lomhloli ukuze uyilungise. Isikhalo esisekelwe kumaphutha ayiqiniso sivame ukuphumelela ngaphandle kokulalela okungokomthetho.

I - file Ikhanga Uma Ifanelekile

Uma ukholelwa ukuthi inani lakho lokulinganisela liphakeme kakhulu uma kuqhathaniswa nokudayiswa kwamuva okufanayo, ungafaka ipayipi elingokomthetho. Lenqubo iyahlukahluka-hluka ngokonyaka kodwa ngokuvamile ihlanganisa isikhathi esimisiwe (kancane-kancane ngemva kwezinsuku ezingu 30-60 zezaziso zokuhlola ziposwe). Hlanganisa ubufakazi obufana namanani amuva nje amanani amakhaya afanayo, ukuqashelwa kochwepheshe, noma izithombe zempahla. Abanikazi abaningi bawina ukuncishiswa ngokunikeza imininingwane ecacile yezentengiso.

Ukuhlola Okukhona

Hlola konke ukukhulula kwentela yempahla wena noma impahla yakho enifanele ukukukhokha.

  • Izindawo zokuhlala ezikhululekile
  • Umuntu omdala noma okhubazekile ukhululiwe
  • Ukukhululeka Ezindaweni Ezingangeni Ekhaya
  • Ukungadingi izinkonzo ezingokwenkolo noma ezisiza abaswele (ngezici ezingazingeli inzuzo)
  • Imishini yokuzikhulula engaphumeleli ephehla amandla (ezinye izifundazwe zinikeza izikweleti zentela ezisetshenziswa ezindaweni ezinamalanga noma ukuhlaziywa okuluhlaza)

Ezinye izigwebo zidinga ukuvuselelwa kwaminyaka yonke; ukuphuthelwa kabusha kungabuyisela intela egcwele.

Sebenzisa Icebo Eliphumelelayo Lentela

Intela yempahla ekhokhwa ezindlini eziyinhloko nezingaphansi kwentela yombuso ekhokhelwayo, ngaphansi kwesephu elingu-R9 000 ezintela zikahulumeni nasezindaweni ezingaphansi komthetho wamanje. Lesi sigqoko sisebenza ehlanganisweni kwentela yempahla nentela yeholo likahulumeni. Uma ufaka imali encitshisiwe inganciphisa iholo lakho elikhokhelwayo. Nokho, i-SALT cap ilinganisela ukuthi lokhu kuzuzisa abanikazi bentela ephezulu. Gcina amathikithi nemithetho yokubhalisa intela yezincwadi.

Cabangela Amalungiselelo Okubhapathizwa

Ezinye izikhungo zinikeza amabhukwana entela yempahla, ikakhulukazi ezakhamuzini ezikhulile noma abaninikhaya abaphansi. Kunokuba ukhokhe yonke imali yaminyaka yonke ngenani elilodwa lesigamu, ungakhokha ingxenye enkulu yesine noma kancane. Lokhu kunciphisa ukugeleza kwemali kodwa kungase kubangele inzalo encane noma intela yomsebenzi. Hlola nehhovisi lomthelisi wakho ukuze uthole izinketho.

Inganekwane Evamile Ngentela Yempahla

Nakhu izinganekwane namaqiniso okuzilungisa.

  • Intela yempahla 1:[ izikole ezikontiweyo kuphela.
    [FLT]] I-FACT:[ kuyilapho ingxenye ebalulekile ihamba ukuya emfundweni, intela yempahla isekela futhi imigwaqo, amaphoyisa, izinkonzo zomlilo, imitapo, amapaki, neminye imisebenzi yomphakathi.
  • Intela yempahla isekelwe kwinani lentengo.
    Fact: Isekelwe kwinani [ elikhuhlwayo[, kungaba inani lenani lemakethe yemakethe noma iqhwa ngenani elingokomlando ngenxa yezihloko zezindlu. Inani lenani lentengo elihlotshisiwe lingahluka kakhulu enhlahleni yentengo yamanje yemaketheke.
  • Imvuzo 3:[ Ungagwema ukukhokha izintela zempahla uma ungenakhaya lakho.
    FT]ct:[ Abangenisi ngokuvamile bakhokha intela yempahla ngokukhokhela intela ngokuqashisa kwabo. Abaqashi badlulisa intela yempahla kwabaqashi njengengxenye yezindleko zokusebenza.
  • Imvuzo 4:[ ukukhokha isikweleti sakho sendlu kuqeda izintela zempahla. [
    Intela yempahla ibolekwa kungakhathaliseki ukuthi ikweleta imali engakanani. Isibopho sikahulumeni, hhayi imfanelo yokubolekwa.
  • Isicelo sokukhanga ukulinganisa kwakho sinzima kakhulu futhi akuvamile ukusebenza.
    ct: izinxephezelo eziningi eziphumelelayo zisekelwe kumaphutha asobala noma ukudayiswa kwamuva. Inqubo ivame ukulula, futhi ungaqasha uchwepheshe wenkokhelo uma kudingeka.

Intela Yempahla Nomphumela Wentela

Izimiso zentela ze-freal ingathinta intela yentela yempahla. Ngaphansi kwe-Tcops and Jobs Act ka-2017, ukuncishiswa kwentela kazwelonke nentela yendawo (SALT) (ihlanganisa intela yempahla) ekhokhelwa ngemali engu-R9 000 (R1 000) ngentela ngentela ngayinye). Lesi sikhwama sisebenza engqikithini ehlangene yentela yemali kahulumeni (noma intela yokuthengiselwa) kanye nentela yempahla. Abanikazi bamakhaya ezifundeni zentela eziphezulu njengeCalifornia, New York, neNew Jersey ngokuvamile badlula intela ekhokhile.

Ngisho nasesigqokweni, ukutheliswa kwezikweleti kungazuzisa abaninikhaya nabo abanenzalo yentela yendlu. Bonana nochwepheshe wentela ukuze uthole indlela yakho yokubhala engcono kakhulu. Ukuze uthole imininingwane enembile, bhekisela ku-RS sho izihloko zeNkokhiso No. 503 – Intela Engakhokhwayo.

Indlela Intuthuko Emakhaya Eyithinta Ngayo Intela Yempahla

Izivulo nokwenezelwa kuvame ukubangela ukuphinde uphinde ubheke inani lempahla yakho. Akuzona zonke intuthuko ezithathwa ngokulinganayo. Ukulungisa i-Routine (ukupendwa, ukulungisa uphahla, ukulungisa igceke) ngokuvamile akwandisi inani lokuhlolwa. Nokho, intuthuko enkulu ekhulisa izinyawo ezi-skwele noma inezela izinto ezingakhi ngokulinganayo . Okufana negumbi lokulala elisha, igumbi lokulala elisezansini, ithekubhukuda, noma isimiso sezindawo zokusebenza uzungezilanga (ukuhlolela intengo yentengo yakho) kungenza inani lentengoso lentengozo elinganiswayo futhi kanjalo nemali yakho yentela inyuswe.

Ezinye izifundazwe zinikeza intela yesikhashana yentela yentuthuko ethile (umz., ukuphumelela kwamandla ukukhuliswa noma ukulondolozwa komlando). Ngaphambi kokuba uqale umsebenzi omkhulu, hlola nonophengululi wakho wendawo ngemiphumela yentela engenzeka. Ukuthola umbono wokuqala kungakusiza ukuba unqume ukuthi ukwanda kwentela esikhathini eside kuyawufanele yini umsebenzi.

Isiphetho

Intela yempahla isici esibaluleke kakhulu sokuhlelwa kwezindlu ezingakuthinta kakhulu. Ngokuqonda indlela ezihlelwa ngayo, imiphumela yazo ekusebenziseni imali yakho, nasemasubeni okuphatha, abaninikhaya bangazenza izinqumo ezinolwazi ukuze baqiniseke ukuthi izimali zabo zilondekile. Ukuhlala bezimisele ngentela yempahla. /ukuhlola ukukhokhwa kwempahla, ukucela ukukhulula, amaphutha akhangayo, nokulandela imithetho yendawo akusizi nje kuphela ekuhleleni imali kodwa futhi kunciphisa inani lemali ozibekele yona ngokuhamba kwesikhathi.

Ngaso sonke isikhathi gcina ulwazi ngezimiso zentela zendawo futhi uthathe isinyathelo lapho kudingekile khona ukuphatha izibopho zentela yempahla yakho ngokuphumelelayo. Ukuze ufunde ngokuqhubekayo, hlola ingosi ye-tebhusayithi yesifunda sendawo noma imithombo ye-athomu njenge- National Association of County Treasuress and Inkin Moneral Ad Administrations[ ukuze uthole isiqondiso esivamile. Imininingwane yokungangeni ngokomthetho, hlola [[FLT:]] ulwazi lwe-ROLT ephephani le-SALT nomnyango we-webhusayithi ye-webhusayithi yemali kazwelo.