Intela yempahla imelela esinye sezibopho ezibaluleke kakhulu eziphindaphindwayo ezingokwezimali kumninindawo, kodwa abantu abaningi abanakho ukuqonda okuphelele ngendlela abasebenza ngayo, indlela ababala ngayo, kanye nesilinganiso esiphelele semiphumela yabo. Kungakhathaliseki ukuthi ungumthengisi wendlu wokuqala, umthengisi wempahla osukwazi ukukhokhela izimali, noma umqashwa okhokhela intela edlulayo, ukuqonda ukuhlelwa kwentela yempahla ngendlela ephumelelayo. Lesiqondiso esibanzi siphula zonke izici eziyinhloko zentela yempahla, kusukela ekukhokheleni inqubo yokuhlola izindleko zokukhokha amasheki, amasu, nemiphumele ehhovisi. Ngokufunda lolulwazi, uyohlonyiselwa kangcono ukuphatha intela, wenze izinqumo zokuthenga ngokwazisa, futhi ngokuqiniseka neziphathimandla zendawo.

Iyini Intela Yempahla?

Intela yempahla intela ekhokhwa kakhulu nguhulumeni bendawo − amazwe, amadolobha, izifunda, nezindawo ezikhethekile zentela − ezindaweni zefa noma zempahla. Intela eholwayo iwumthombo oyinhloko wezimali zezinkonzo zomphakathi ezibalulekile njengemfundo, amaphoyisa nezokucisha umlilo, imigwaqo, amabhuloho, imitapo, imitapo, nemisebenzi yokuphatha. Ngokungafani neholo noma intela yezentengo, intela yempahla isekelwe ngokwenani lempahla ngokwayo, izenze zibe yinzuzo engcono kakhulu yemali ekhona ekhona.

Lomqondo usukela emuva emiphakathini yasendulo, kodwa izimiso zentela yempahla zanamuhla eUnited States zazibunjwe kakhulu ekhulwini le-19 nasekuqaleni kwelama-20 njengoba amazwe ayefuna imali ethembekile yendawo. Namuhla, wonke umbuso unesimiso sawo sokukhokha intela yempahla, ngokwezilinganiso ezihlukene ngokwenani, ukuhlelwa kwentela, nokutholakala kwentela. Intela yempahla iqoqwa kakhulu abagcini bentela yasesifundazweni noma abathelisi, futhi izimali zisakazwa ngokwemithetho yendawo.

Ukuqonda izintela zempahla kudinga ukuqaphela ukuthi aziyona isibopho esimisiwe . Ziyashintshashintsha ngokushintsha kwenani lempahla, intela, kanye nokungatholi nkululeko. Lokhu kusho ukuthi abaphathi bempahla abasebenzayo, njengokunxusa ngesikhathi kanye nezicelo zokungaphunyuli, bangaveza imali egciniwe enenjongo ngokuhamba kwesikhathi.

Indlela Intela Yempahla Ebalwa Ngayo

Nakuba izindlela zokubala zihluka-hluka ngokwendlela ezilawula ngayo, i-prime enkulu ayiguquguquki: Property Tchax = (Assessment Ratiation × Milllate) – Ukukhulula. Ingxenye ngayinye inendima ehlukile.

Ukubaluleka Okucatshangelwayo Nokubaluleka Kwezentengiselwano

inani elihlolwayo lingumuntu onqunywe uhulumeni omelela ukuthi impahla ibaluleke ngani ezinjongweni zentela. Ngokufanelekile, lilinganisa intengo ye imarket[] `inkokhelo yomthengi ozimisele ukukhokha umthengisi othengiselwe ukuthengiselana ngengalo engalweni. Assessss asebenzisa izindlela ezintathu eziyinhloko zokunquma inani lezentengiselwano:

  • Spales Ukuqhathanisa: Indlela evame kakhulu yezakhiwo zokuhlala, ukuqhathanisa indawo ehambisana nayo nezindawo ezisanda kuthengiswa amakhaya afanayo endaweni, ukulungisa umehluko wobukhulu, isimo, nendawo.
  • Approach: Ilinganisela izindleko zokwakha kabusha isakhiwo ngentengo yamanje, ukunciphisa ukunyuka kwenani, kanye nenani lomhlaba. Ivame ukusetshenziswa ekwakheni izakhiwo ezihlukile noma ezintsha.
  • I-invoete Approach: isetshenziselwa ukusungula izakhiwo zeholo njengezindlu zokuhlala noma izakhiwo zezentengiselwano, ngokusekelwe eholweni lemali enethini indawo engenisayo kanye nesilinganiso sokufa.

Umhloli usebenzisa enye noma ngaphezulu yalezindlela abese endisa inani lezentengiselwano ngesilinganiso [ ukuze afinyelele inani elihlolwayo. Izizwe eziningi zifuna isilinganiso esifanayo (umz., 100% senani lentengiselwano), kanti ezinye zisebenzisa izibalo ezilinganiselwe (umz. 60% noma 80%).

Izinga Lemikhawulo Nentela

Isilinganiso singu-awuyindi ekhokhiswayo (noma isilinganiso sokukhokha) ekhokhwayo, lapho itshe elilodwa lilingana khona nentela engu-R1 000 ngenani lemali ehlolwe. Ngokwesibonelo, isilinganiso sesigalo sama-20 000 ezigayo sisho isakhiwo esinenani elilinganiselwa ku-R2 500 000 (imali ekhokhiwe phambi kokukhokha intela. Amazinga alinganayo abekwa yigunya ngalinye lentela (imali, idolobha, ibhodi lesikole, njll), futhi ingqikithi iyingqikithi yemali ehholo layo yonke intela esebenzayo. Izinga lokuthengwa intela zingashintsha minyaka yonke ngokusekelwe ezidingweni zemali, isilinganiso sevotime esemthethweni, nezinguquko ezisezingeni elisemthethweni.

Izihloko Ezikhethekile Nenye Ingxenye

Ngaphezu kwentela yempahla evamile, izakhiwo eziningi zinikezwa izinqumo ezikhethekile zokuthuthukisa intuthuko ethile yendawo enjenge-pack, ukulungisa umgwaqo, imigqa yendle, noma izibani zomgwaqo. Ngokuvamile zikhokhwa ngephasela ngalinye noma ngezinyawo ezingaphambili futhi zikhokhelwa ngokwezigaba eminyakeni eminingana. Izinqumo ezikhethekile azixhomekile entengweni yempahla futhi zihlukene nentela ye-oremonium.

Izinhlobo Zentela Yempahla

Ukuqonda izigaba ezihlukahlukene zentela yempahla kukusiza ukuba ubone zonke izikweletu ezingase zibe khona futhi uhlele ngendlela efanele.

Intela Yangempela Yempahla

Lolu uhlobo olujwayelekile kakhulu, luhlolwa ngezwe nanganoma yiziphi izakhiwo ezihlala njalo ezinamathele kulo, izakhiwo, izakhiwo zokuhlala, izindawo zokuthengiselana nezindawo ezingenalutho. Intela yempahla yangempela iyindawo eyinhloko yalesi sihloko futhi ingxenye enkulu yentela yempahla.

Intela Yempahla Yomuntu Siqu

Izifunda-mazwe eziningi ziphonsa intela empahleni .] .[1] Impahla engenakufakwa unomphela endaweni, njengezimoto, izikebhe, imishini yebhizinisi, ifenisha, nemishini. Amabhizinisi athinteka kakhulu, kodwa amanye amazwe akhokhela izimoto zomuntu siqu nezikebhe. Impahla yomuntu siqu ilinganiswa ngokwehlukana nendawo yangempela futhi ngokuvamile incishiswa ngokweminyaka noma isimo. Hlola izimfuneko zikahulumeni wakho, njengoba izikhala zingasebenza ezintweni zenani eliphansi noma amakilasi athile empahla.

Ukudluliselwa Kwempahla

Futhi yaziwa ngokuthi izintela zokudluliswa [ noma intela yokudlulisa indawo [, lena imali ekhokhwa ngesikhathi esisodwa ebekwa lapho ubunikazi bempahla bushintsha izandla. Izingahlukahluka ngokwezwe futhi ngezinye izikhathi ngokwendawo. Ukudlulisa izintela kukhokhelwa umthengisi, nakuba isiko noma ukuhlahlela kungasusa umthwalo kumthengi. Ayisho ukuphindaphindeka intela emalini engokonyaka kodwa imelela izindleko ezibalulekile zokuphetha futhi kufanele ikhishwe ezibhayweni zokuthengiselwa indawo.

Imibono Ekhethekile

Isongwe kafushane ngenhla, indawo yokuhlola okukhethekile ihlukene ngoba isekela imisebenzi ethile yezesisekelo futhi ikhokhwa iphasela ngalinye kunokuba isekelwe emalini. Ivame ukubonakala njengento ehlukile ezimalini zakho zentela futhi ingaba nkulu ezindaweni ezisebenza imisebenzi emikhulu yomphakathi.

Ukuqonda Intela Yakho

Intela yempahla evamile ifaka izakhi eziningana. Ukwazi ukufunda umugqa ngamunye kukunika amandla okuqinisekisa ukunemba nokubona amaphutha angase abe khona.

  • Inani eliphawuliwe noma I-ID ye-Akhawunti: Isikhombi esiyingqayizivele sempahla yakho esimisweni sentela sesifundazwe.
  • [[UMTH:0] Igama likamnini kanye nekheli:[ Umnini oqoshiwe ngesikhathi sokuhlola.
  • Incazelo echazayo: incazelo engokomthetho noma ikheli lendawo yephasela.
  • Inani lezwe nokubaluleka kokuthuthukisa: Ngezinye izikhathi kuboniswe ngokwehluka; ingqikithi ilingana nengqikithi yenani lezemakethe.
  • Ukubaluleka okuhlonitshisiwe:[ Ngemva kokusebenzisa isilinganiso sokuhlolwa kwenani lezentengiselwano.
  • [ Intengo eziphenduliwe: Uhlu lwezinto ezinciphisa inani elikhokhelwayo, njengekhaya elide noma isakhamuzi esikhudlwana.
  • Inani elingakwazi ukuxazululwa: Inani elihloniphisiwe kususa izikhala zokukhululeka, inani elisetshenziselwa ukubala intela.
  • [ Isilinganiso segebe (noma isilinganiso semilingo): isilinganiso segebe lazo zonke izikhulu ezintelayo (izwe, idolobha, izifunda zesikole, izifunda ezikhethekile).
  • [[INTLA:0] Ama-ax Aquality kuGunya: Ezinye izikweleti zinqamula intela ekweletayo entweni ngayinye ngaphambi kokubonisa ingqikithi.
  • [[QULT:0] Izici ezihlukene:[ Noma yiziphi izikweleti zentuthuko yendawo.
  • [[[ITROM:0] Intela yentela elindelekile ilindelekile:[ Isixa sentela nezinqumo, ngokuvamile ngemva kwemali yokukhokha noma iziphi izikweletu.
  • [[[Umthetho:0] Isidingo sosuku neSigungu se-palty Scheme:[ Ulwazi uma ukukhokha kudingekile nesijeziso sokushiywa kwesikhathi.

Uma uphawula iphutha elithile − njengencazelo yempahla enganembile, phinda-phinda ukhululiwe, noma inani elingabalwanga kahle − jongana nehhovisi lomhloli wasendaweni yakini ngokushesha. Amaphutha avame kakhulu kunokucabanga kwabaningi futhi angalungiswa ngemibhalo efanelekile.

Izinhlengo Nezithungu

Ukungakhokhi intela yempahla kanye nezikweleti zemali kunciphisa inani lempahla elikhokhelwayo, kwehlisa ngokuqondile imali oyikweletayo. Ukutholakala kwempahla kuyahlukahluka kakhulu ngokwezwe, isifundazwe, ngisho nedolobha, ngakho kubalulekile ukucwaninga izimfuneko zendawo ohlala kuyo.

Isihlengo Esivamile

  • Homestead Expection: Ikhona kubaphathi bezindlu eziyinhloko, ngokuvamile ikhulula isilinganiso esimisiwe noma amaphesenti enani elihlolwayo. Izifunda eziningi zivala ukukhululeka ngenani elithile lemali (umz., $25,000 noma $500,000).
  • [ Intengo yezakhamuzi: kubanikazi bemizi abangaphezulu kwenkathi ethile (ivame ukuba 65+), ngokuvamile eboshelwe emalini elinganiselwe. Ukukhulula kungaba okukhulu, ngezinye izikhathi kususa ingxenye enkulu yomthwalo wentela.
  • Intethelelo ekhubazekile: Inikezwa omakad’ebona abakhubazekile abaxhunyiwe ngenkonzo. Isilinganiso sokungakhululeki sivame ukuhlanganisa isilinganiso sokukhubazeka.
  • Umuntu okhubazekile ukukhulula: kubantu abakhubazekile abahlangabezana nezindinganiso ezinjengomholo noma isilinganiso sempahla.
  • Izwe elisetshenziselwa ukulima noma ukufuya amahlathi lingahlolwa ngenani elisetshenziswayo kunangentengo yentengo, inciphise kakhulu intela ezikhungweni zasemaphandleni.
  • Intengo ye-Historic Prefection:[ Abanye omasipala banikeza abanikazi bentela yezakhiwo ezimisiwe zomlando abazigcina ngokwezindinganiso zokulondoloza.
  • Ubufundisi ne Inhlengo: Izakhiwo zezinhlangano zenkolo, inzuzo, nezinhlangano ezisiza abakhululekile ezisetshenziselwa izinjongo zesihlengo zithumba intela, nakuba lokhu kungabhekisi endlini yomniniyo.

Ukufaka isicelo sokungaphumi kuvame ukudinga ukufaka ifomu ehhovisi lomhloli nokunikeza isiqinisekiso esisekelayo (izitifiketi zokuzalwa, isilinganiso sokukhubazeka, ubufakazi bemali eholayo, njll.). Izimpawu zesicelo zingaba nemithetho eqinile, ngakho izikhumbuzo zekhalenda ezihleliwe zokugwema ukulahleka kwefasitela laminyaka yonke.

Ngaphezu kokungahlawuli kwesifundazwe, ungase ufanelekele ukuhlawuliswa kwentela yeholo ekhokhwani yempahla. Inkonzo ye-International Revolution ikuvumela ukuba unciphise imali engamaRandi angu-20 000 (R3 500 (uma ushadile uhlukene) yentela kazwelonke nentela yendawo (kuhlanganise nentela yempahla) ekubuyiseni kwakho uma ufaka izikweleti zemali ezithelwe ngokwempahla.

Ukukhokha Intela Yempahla

Ukulawula isimiso sokukhokha kubalulekile njengokuqonda isikweleti ngokwaso. Ukukhokha izindleko zamuva kungabangela izijeziso eziphawulekayo nenzalo, ngakho thatha icebo lokukhokha elifanele ukugeleza kwakho kwemali.

Izindlela Ezivamile Zokunikela

  • Ibhatala elibhaliswe kuMqoqi weTaxi: khokhela nge-inthanethi ngekhadi lokuthenga ngesikweletu/isikweleti (ngokuvamile ngemali ekhokhelwayo), ngokuthumela isheke noma uhlelo lwemali. Amanye amazwe amukela ukukhokha nge-person emahhovisi esifundazwe.
  • Amatyala Ngemali ye-Mortgage: Abanikazi abaningi bekhaya ababolekwe imali yendlu bane-akhawunti yemali yentela yempahla lapho ubolekisayo eqoqa ingxenye yentela yempahla elinganiselwayo ngonyaka kanye nenkokhelo ngayinye. Khona - ke umbolekisi ukhokha umthelisi ngesihle sakho. I-Escrow uqinisekisa ukuthi intela ikhokhwawa ngesikhathi futhi inwebele unyaka, kodwa kufanele uqinisekise ukuthi ukulinganisela kwe-ecrow kulungile.
  • Amalungiselelo okubhatala: Ezinye izifundazwe kanye nezibalo zikuvumela ukuba ukhokhe izintela zempahla ngezigaba ezimbili noma ezine unyaka wonke, ngokuvamile unenzalo ephansi noma engekho uma ikhokhwa ngezinsuku ezifanele. Lokhu kungalula ukuhlela uhlelo lwemali ngalabo abangenayo i-ascrow akhawunti.
  • Imali ekhokhiswayo: Ungakhokha isilinganiso esilinganiselwayo ngentela yonyaka ozayo, ngezinye izikhathi ngenani eliphansi uma igunya lakho linikeza intethelelo yasekuqaleni. Qaphela nomthelisi wakho.

Izikhathi Zokufa Nezingalo

Izinsuku ezilindelekile ziyahluka ngokwezwe nangokwesifunda. Eziningi zinosuku olufanele ngo-December noma ngo-January, nezingxenye zokwesibili ezifuneka ngo-April noma ngo-May. Inani elincane lezifundakazi linezindleko zonyaka ezifuneka ngokugcwele. Izifunda eziningi zinikeza inkathi yomusa yezinsuku ezingu-30-60 ngaphambi kokuba isijeziso siqale ukukhishwa. Izinga eliyindilinga ngokuvamile liqala ngo-1/2% ngenyanga futhi lingahlanganisa, ngakho ngisho nokwephuza okufushane kungaba okubizayo.

Uma uthengisa isakhiwo, intela yempahla idlalwa lapho igcinwa, okusho ukuthi umthengisi ukhokha ingxenye yonyaka abanayo, futhi umthengi ukhokhela umthengisi ozohlala khona. Qinisekisa ukuthi inkampani yakho yezezindawo nenkampani yezikhulu ifaka imvume elungile ukuze kugwenywe izingxabano zangemva kokudayisa.

Imiphumela Yokungakhokhi Intela Yempahla

Ukuqonda isimiso sokuqinisekisa ukuthi intela ihlala abantu kukwenza uthathe isinyathelo ngokushesha uma uwela emuva.

Imali Nesithakazelo

Ngokushesha ngemva kosuku olufanele (noma ukuphela kwanoma isiphi isikhathi sobumnandi), ukulinganisela okungakhokhelwayo kuqala izijeziso ezikhokhelwayo nenzalo. Amazinga esithakazelo ezintela zobuhlongandlebe ngokuvamile aphakeme kunemali ebolekwayo yabathengi evamile, ngezinye izikhathi 10-18% ngonyaka. Izindleko ezengeziwe zokuthatha ikhefu zingakhokhwa ngenxa yobuhlongandlebe.

Amanga Entela

Ngemva kwesikhathi esimisiwe (ngokwezinsuku ezingu-60-90 ezadlula), igunya elikhokhisayo lifaka ishefu lentela entweni embonini. Lokhu kuqamba amanga kuxhomeke kwesihloko futhi kubaluleke kakhulu kunezinye izikhotho, kuhlanganise nezikweletu zezindlu. Amafu entela afihla isihloko, okwenza kube nzima ukuthengisa noma ukubuyisela impahla. Kuvela futhi embikweni wakho wesikweletu, okunganciphisa inzuzo yakho yokuthenga.

Ukuthengiswa Kwentela / Ukukhokhwa

Uma intela ingakhokhelwa isikhathi eside, kuxhomeke kumthetho kazwelonke, uhulumeni wendawo angadayisa intela ekhokhweni lomuntu siqu intela ethengiswa [ noma ibhaso elithengiswe ngokuqondile embonini nge [ ifaksi yentela ethengiswa [[ yentela [[FLT]]]. Uhulumeni okhokhisayo, umgcini wentela ukhokhisa intela futhi ukhokhe inzalo; umnini impahla unesikhathi sokuhlenga (ngokuvamile iminyaka emithathu) ukubuyisela isibambiso sokukhulula impahla. Esivumelweni sentela, indawo ithengisa impahla ngokwayo, futhi ulahlekelwa amalungelo ehlawulwayo ngemva kwesikhathi sokukhokhwaswa kwenkokhiswa kwemali. Uma ukhokhelwa ngisho nokukhokhwaswa kwemali, ungayikhokhiswa.

Uma uzama ukukhokha, xhumana nomthelisi wakho ngokushesha ngangokunokwenzeka. Izindawo eziningi zinikeza izivumelwano noma ukunwetshwa komkhumbi [ okungavimbela ukukhokhwa kwentela ukuba ibhalwe noma ithengiswe. Izinhlangano zezeluleko zezindlu ezingangenisanga imali zingasiza futhi ekuxhunyaneni.

Ukunxusa Intela Yempahla Yakho

Uma ukholelwa ukuthi inani lempahla yakho liphakeme kakhulu, kodwa liphakeme kakhulu, uma ufaka isikweleti sentela esingakholeki kahle, unelungelo lokudlulisa izicelo. Izikhalo ziphumelela kakhulu uma zisekelwe emaphuthani noma ekuphikisaneni okukhulu uma kuqhathaniswa nezici ezifanayo.

Izindawo Ezivamile Zokukhanga

  • Imininingwane yempahla elungile: Amaphutha ngokwezitebhisi eziskwele, inani lamakamelo okulala, ubukhulu be-odoli, noma isimo angakhuliswa. Ukuthola ikhadi lakho lempahla eliqoshiwe ku-inqueror futhi uqinisekise imininingwane.
  • Intengo engalinganiyo:[ Inani lempahla yakho elilinganisiwe liphakeme kakhulu kunezakhiwo ezifanayo endaweni efanayo (ukudayisa ngezinhlamvu). Nikeza ubufakazi bamuva bokuthengiswa kwamakhaya alinganayo okunamasu aphansi.
  • Lahla kuMakethe: Uma amanani ezindawo nendawo endaweni yakini enciphile kusukela ekuhlolweni kokugcina, ungaphikisa ngokuthi inani lomhloli alibonisi izimo zemakethe zamanje.
  • Intengo eziphuthiwe: Uma unelungelo lokukhululeka okungasetshenziswanga, inqubo yokudlulisa ingalungisa futhi.

Izinyathelo Zokukhanga

  1. [[UMTL:0] Bheka iAssession phawula: hlolisisa isaziso ngamaphutha encazelo yempahla, inani, kanye nokungakhululi.
  2. Ubufakazi obuthengiseneyo: Ikhampali yamuva nje elinganayo (ezinyangeni ezingu-6-12 ezidlule), ukuzwa, izithombe zokukhubazeka, nanoma iziphi izilinganiso zenani lobuchwepheshe.
  3. Hlangana ne-Assessor’s Office: Amaphutha amaningi angaxazululwa ngokwethukela. Shayela noma uvakashele ukuze uxoxe ngezinkinga zakho ngaphambi kokuba ufake isikhalo esingokomthetho.
  4. U-File A Appleance: Faka uhlobo olufanele (ngokuvamile olubizwa ngokuthi “isikhalo sentela esifanelekile” noma“uhlelo”) ebhodini lesifunda sesifunda sokuhlanganisa noma ibhodi yezicelo ezizimele. landelana ngokuqiniseka ekugcineni isikhathi (ngokuvamile izinsuku ezingu 30-60 kusukela osukwini lokuhlola.
  5. Lungiselela ukuzwa: Ungadingeka ukuba unikeze ubufakazi bakho enkantolo. Cabangela ukuqasha umeluleki wentela, ummeli wezindawo, noma umbiko ogunyaziwe onolwazi lwezikhalo zendawo.
  6. Alinde isinqumo: Ibhodi lizokhipha isinqumo, esingase sinciphise ukuqulwa. Uma inqatshiwe, ezizweni eziningi unganyukela enkantolo yentela yesifundazwe noma enkantolo ephakeme.

Khumbula ukuthi ukuhlola okukhangayo akusithonyi isibopho sakho sokukhokha isikweleti sentela sakuqala lapho isikhalo sisalindile. Khokha isilinganiso esifanele (noma okungenani ingxenye engahlolwanga) ukuze ugweme izijeziso; uma ukunxusa kwakho kuphumelela, uyothola imali ekhokhelwayo ekhokhelwa kakhulu.

Amasu Okulawula Intela Yempahla Yakho

Ngaphandle kokuhlola okukhangayo nokufuna ukuxoshwa, abanikazi bezindawo bangasebenzisa amasu amaningana ashukumisayo ukuze bagcine intela ilawulwa.

Ukulungisa Okukhulu

Ukulungisa okuyisisekelo − ukuhlanganisa ikamelo, ukuqeda igumbi elingaphansi, noma ukwakha idekhi, kuzokundisa inani elihlolwayo futhi kanjalo intela yakho. Ukuze unciphise ithonya elisheshayo, cabangela intuthuko eminyakeni eminingi noma ukuqeda ngemva kosuku lokuhlolwa konyaka wentela ozayo. Ezinye izifunda zinikeza intengo yesikhashana yentela yokwakha noma yokulungisa isimo esiqinile; hlola imithetho yendawo.

Sebenzisa Amacebo Okubhatala Nokuhlela Uhlelo Lokusetshenziswa Kwemali

Uma uhlelo lwakho lokusebenzisa imali luqinile, ukubhalisa i-akhawunti elandelanayo kungavimbela ukukhokhwa okukhulu kwesigamu. Lamathuluzi asakaza izindleko esikhathini esingangonyaka futhi, uma kubhaliswa ama-akhawunti, kuqinisekisiwe ukuthi ikhokhwa ngesikhathi ngaphandle kokufuna ukuba ukhumbule izinsuku ezimisiwe.

Hlola Isilinganiso Sakho Saminyaka Yonke

Ungalindeli ukwanda okukhulu ukuze ubukeze ukuhlola kwakho. Unyaka ngamunye, qinisekisa ukuthi inani lempahla yakho alikhuphukanga kakhulu ekudayiseni kwezindawo. Zisayine uma uthola izixwayiso ezivela ku-inqueror yendawo yakho, futhi ubukeze umqulu wentela ku-inthanethi ukuze uqhathanise impahla yakho nomakhelwane.

Bonana Nochwepheshe Bentela

Ezimweni eziyinkimbinkimbi − njengokuba nezakhiwo zokuqasha, amaphasela amaningi, noma izakhiwo ezisemigqeni kahulumeni — isikhulu sentela (i - CPA noma uchwepheshe wezempahla) singaphawula amathuba okulondolozwa kwemali ongase uwalahlekelwe, njengentela yempahla yamabhizinisi amasha noma amabhizinisi.

Indima Yentela Yempahla Kuhulumeni

Izintela zempahla aziwona nje umthwalo; ziyisisekelo sentando yeningi yendawo. Cishe 30% yemali kahulumeni wendawo eUnited States ivela ezintelani zempahla, ngokwe U.S. Bureaument[FLD:3]. Lemali isekela ngokuqondile izinkonzo ezisekela abanikazi bempahla nabaqambi bemali ezixhomeke emini yonke.

  • Imfundo yePublic:[ Ingxenye yayo yonke intela yempahla ezifundeni eziningi ihamba ezifundeni zesikole zendawo, izimali ezikhokhelwa othisha, izakhiwo, izinhlelo zokuthutha, nemfundo.
  • Ukuphepha kwe-Public: Amaphoyisa, iminyango yomlilo, nezinkonzo zezokwelapha eziphuthumayo zithola ingxenye enkulu yamaRandi endawo.
  • Izakhiwo nezokuthutha: Imigwaqo, amabhuloho, izimpawu zomgwaqo, nezimiso zokuthutha zomphakathi zigcinwa ngezimali zempahla.
  • [ Ukuphilisa nosizo lomuntu: imithola-mpilo yomphakathi, izinkonzo zempilo yengqondo, nezinhlelo zasebekhulile nemikhaya ehlawulwayo ephansi ziyasekelwa.
  • Izindawo zomphakathi ne-Calture:[ amapaki, imitapo, izikhungo zomphakathi, kanye neminyuziyamu ivame ukuthembela ezihlawulweni zentela yempahla.

Ukuqonda lokhu kuxhumana kungasiza abanikazi bezindawo ukuba bahileleke ezinqubweni zokuhlela imali zendawo, njengokuya emihlanganweni yesikole noma ukuvota emasheyaleni entela yempahla, beqinisekisa ukuthi ama - dollar abo entela asetshenziswa ngokuhlakanipha.

Isiphetho

Intela yempahla isici esiyinkimbinkimbi kodwa esilawulekayo sempahla. Ngokuqonda indlela ehlelwa ngayo, ukuthi ikuphi ukukhulula okufanele ukwenze, nokuthi ungabekela kanjani inselele yokuhlola okungafanele, ungalawula imithwalo yakho yemfanelo yezimali futhi ugcine amakhulu noma izinkulungwane zamaRandi unyaka ngamunye. Ungazazisi ngoshintsho lwemithetho yentela yendawo, hlola ukuhlelwa kwakho minyaka yonke, futhi unganqikazi ukufuna iseluleko sochwepheshe uma kudingeka. Ngalolulwazi, ungasebenzisa isimiso sempahla sentela ngokuqiniseka, ugweme izingozi ezibizayo, futhi uqinisekise ukuthi imali yakho yentela inikela ngokuphumelelayo ezinkonzweni zomphakathi ezithuthukisa izinga lokuphila kwakho. Ukuze uthole imininingwane eyengeziwe ngentela yempahla yakho, thinta [[FOLD:0] [F]