Table of Contents

Ukuqonda Isilinganiso Esigcwele Sentela Yempahla

Intela yempahla imelela enye yezindleko ezinkulu kakhulu kumninikhaya, ngokuvamile ezilingana nemali yendlu nomshuwalense. Nakuba bexhasa izinkonzo zomphakathi ezibalulekile ezinjengokunakekelwa kwemigwaqo, amaphoyisa neminyango yokucisha umlilo, nemitapo yezincwadi, abanikazi abaningi bathola isimiso sidida futhi sisinda. Lo mqondisi ovamile uphula zonke izici zezintela zempahla ngokulinganisela amasu okunciphisa imali yakho.

Iyini Intela Yempahla Futhi Ubani Oyifakayo?

Intela yempahla iyintela ekhokhiswayo engathiwa intengo yempahla, okusho "ngokwenani""" ngokubhekisele kubaphathi bendawo abakhokhela indawo. Ngokungafani nentela yemali noma yentela yokuthengisela, intela yempahla iqoqwa esifundeni, kumasipala, nasemazingeni esikole. Imali ehhotela ngokuqondile ehholo lemali ekhona. Lentela iwumthombo wemali ohulumeni bendawo, ikhokha cishe 30% yabo bonke abantu abahlala e-United States.

Izinhlangano ezithile ezihlela amanani entela yempahla ziyahluka ngokwezwe nendawo. Ngokuvamile, umhloli wesifunda unquma inani lempahla, kuyilapho ibhodi ezimele noma umkhandlu uhlela intela (ngokuvamile ebizwa isilinganiso se-aweb). Abanikazi bamakhaya kufanele bazi ihhovisi lomboni wendawo futhi baqonde ikhalenda lokuhlola ukuba bahlale benolwazi.

Indlela Intela Yempahla Ebalwa Ngayo

Ukubala kuhilela izinyathelo eziningi ezingahluka-hluka ngokomthetho. Ukuqonda isigaxa ngasinye kukusiza ukuba uhlole isikhala sakho futhi ubone amaphutha.

Ukubaluleka Kwazo Kuhlolwa

Intengo yempahla yakho yilokho engayikuthengisa emakethe esobala. Nokho, inani elihlolwayo liyinani elisetshenziselwa izinjongo zentela. Izindawo eziningi zihlola ingxenyana yenani lezentengiselwano (njengesibonelo, 80% noma 100%). Ezinye izifundazwe zihlola inani laminyaka yonke ukuze zivikele abaninikhaya ezimisweni ezisheshayo. Ngokwesibonelo, imingcele ye-California 13 yokuhlola kwaminyaka yonke iyanda ibe 2% ngaphandle kokuba indawo ithengiswe noma isanda kwakhiwa.

Izinga Lentela (Izinga Eliphakeme)

Isilinganiso sentela siboniswa emagatsheni, lapho isigayo esisodwa silingana khona nentela engu-R1 000 ngenani elihlolwayo. Uma isifunda sezwe lakini sinesilinganiso esiphelele samasigayo angu-50 000, futhi ikhaya lakho lilinganiselwa ku-R2 000, intela yempahla yakho yaminyaka yonke ingaba ngu-R250 (200 x50). Amazinga anele abekwa ohulumeni bendawo phakathi nokuhlelwa kwemali phakathi nohlelo lwemali futhi angashintshashintsha ngenxa yezidingo zezimali zezikole, ezezikhungo zezakhiwo, kanye nezinkonzo zezimo eziphuthumayo.

Izinhlengo Nezidambiso

Ukukhipha inani elinqunyiwe kwinani lakho lentela ngaphambi kokusebenzisa isilinganiso sentela. Ukungahoxi okuvamile kuhlanganisa ukukhulula ekhaya (okukhona kwezindawo zokuhlala eziyinhloko), ukukhulula kwasebekhulile, omakad ’ ebona, abantu abakhubazekile, nokulima. Ngokwesibonelo, iTexas inikeza ukukhululwa okungu-R240 000 ngentela yesifunda. Ngaso sonke isikhathi hlola izinhlelo zombuso wakho zokungahoxiwe futhi usebenzise ngokushesha.

Ukubaluleka Kwentela Yamanetha Nokubala Okugcina

Ikhasi yile: ITaxi yezentengiselwano = (Intengo enqunyiwe) × Millla Rate 76 1000. Ezinye izindawo zisebenzisa amazinga ahlukene ezinkonzo ezihlukahlukene (umz., intela yesifundazwe, intela yesikole, intela yesikole, intela kamasipala), ngakho ingqikithi yakho iyingqikithi yalezi zingqimba.

Ukuqonda Ukuhlolwa Kwentela Yempahla

Izindaba azimi ndawonye, ziyahlaziywa ngezikhathi zonke. Yilokho umninikhaya adinga ukukwazi.

Indlela Abahloli Abathola Ngayo Ukubaluleka Kwabo

Abahloli basebenzisa izindlela ezintathu eziyinhloko: ukuqhathanisa ukuthengiswa kwezindawo ezifanayo (ukuhlanganisa ukuthengwa kwamuva), ukuthatha izindleko (ukulinganisa izindleko zokubuyisela izindleko ezincishisiwe), kanye nendlela yokuthola iholo (ukuze kuxhaswe izakhiwo zokuqashisa). Ukuhlolwa okuningi kwasekhaya kuxhomeke ekuqhathaniseni. Abathelisi bangase bahlole noma basebenzise izilinganiso zezibalo ezisekelwe ezimweni zendawo. Uma wenza intuthuko njengokunezela indlu yangasese noma ukuqeda igumbi elingaphansi, kulindele ukuba uhlolo lwakho lunyuke.

Imijikelezo Yokuhlola Nezinto Ezitholakalayo

Izindawo eziningi zihlola kabusha unyaka ngamunye kuya eminyakeni emihlanu. Uzothola isaziso senani elihlolwayo, ngokuvamile ngeposi. Lesaziso sihlanganisa inani lempahla yakho elihlolwayo, izinga lentela, nengqikithi yentela efunekayo. Ichaza futhi ukuthi ungalidlulisa kanjani. Gcina leli bhukwana libhalwe emarekhodini akho.

Okumelwe Ukwenze Uma Uvivinyo Lwakho Lubonakala Luphakeme Kakhulu

Uma ukholelwa ukuthi ukuhlolwa kwakho kudlula inani elifanele lezentengiselwano, unelungelo lokudlulisa isikhalo. Lenqubo iyahlukahluka kodwa ngokuvamile ihlanganisa ukuvala isibhexo esibhaliwe ngehhovisi lomazisi, ukunikeza ubufakazi obufana nokunconywa kwamuva noma ukudayiswa, nokugcinwa kwecala. Amazinga empumelelo, kodwa abanikazi abaningi bamakhaya bafinyelela ukuncitshiswa. Abafile bakhubazeka kakhulu cishe izinsuku ezingu-30 kusukela ngosuku lwezaziso.

Ukukhokha Intela Yempahla Ephakeme Nendlela Yokwanelisa

Ukukhokha kunganciphisa kakhulu intela oyitholayo. Ngezansi kunezinhlobo ezivame kakhulu ezitholakalayo kulo lonke elase - United States.

Ukukhululwa Kwasekhaya

Lokhu kukhulula kuyasebenza endlini yakho eyinhloko. Kunciphisa inani elikhokhelwayo ngenani elimisiwe (umzk. R1,50 000 eFlorida). Ezinye izifundazwe zinikeza futhi "isigqoko sokwenziswa kwezindawo" esilinganiselayo sanda. Ukusho kanjalo, kumelwe uhlale ekhaya njengekheli lakho elihlala njalo futhi ubhalise isicelo nesifundazwe.

Ukukhululwa Kwezakhamuzi Ezikhulile

Izifundazwe eziningi zinikeza usizo lwengeziwe kumninikhaya oneminyaka engu-65 noma ngaphezulu. Ukukhulula kungase kusekelwe ebudaleni, eholweni, noma kukho kokubili. Ngokwesibonelo, iSici se-19 saseCalifornia sivumela asebekhulile ukuba badlulisele intela yabo ekhaya elisha. Bheka uhlelo lwesikhululo sendawo esiphezulu esidinga ukuvuselelwa minyaka yonke.

Izintethe Nezintengo

Abakhubazekile abakhubazekile, abasaphila, nabakhubazekile bangafanelekela ukukhulula ngokwengxenye noma ngokugcwele. Imali ngokuvamile ihlanganisa ukukhubazeka. Ngokwesibonelo, iNew York inikeza ukukhululwa okungamaphesenti angu-50 komuntu oyisisebenzi owayekhonza ngesikhathi sempi. Ukubhalwa kwe-VA kuyimfuneko kakhulu.

Ezinye Izigqila Ezikhethekile

Bheka izindawo zokungavunyelwe ukuthenga indawo ezolimo, izakhiwo ezingokomlando, izisekelo zamandla elanga, noma izakhiwo zezinhlangano zenkolo noma zezezenhlalakahle. Ngamunye unezindinganiso ezikhethekile zokuthola imali.

Ukukhokha Intela Yempahla: Okungcono Nokusetshenziswa Kwayo

Intela yempahla ifanele isimiso sikahulumeni wendawo. Izindawo eziningi zamukela ukukhokhwa minyaka yonke, kancane-kabili, noma kane. Nazi izindlela ezivamile zokukhokha nokucabangela okubalulekile.

Ukukhokhela Igunya Lentela Ngokuqondile

Izindawo ezithile zikhokhela intethelelo yamuva ngokuhlola, ngokufaka i-electal, noma nge-opera. Ngakolunye uhlangothi, ukukhokha kuletha isijeziso nenzalo, (ngokuvamile 1% ngenyanga noma ngaphezulu). Beka izikhumbuzo noma bhalisele ezimisweni ezizenzekelayo zokukhokha ukuze ugweme ubuhlongandlebe.

Ukuqongelela Izindaba Ngomngcwabo Wakho Oboshiwe

Ababoleki abaningi badinga ababoleki bempahla ukuba bakhokhe intela emalini ebhaliswe ngenyanga. Khona - ke umboleki ukhipha intela kuhulumeni wendawo uma kufanele. Lokhu kusakaza izindleko ezingaphezu kwezinyanga eziyi-12 futhi kuqinisekise ukuthi awusoze wabhekana nemali enkulu. Nokho, qaphela ukuthi ama-akhawunti e-ascrow angakhokha ngezinye izikhathi ngokugcina noma ngokugcina imali, kuholele ekulungiseni. Bukeza isitatimende sakho saminyaka yonke ukuze uqinisekise ukunemba.

Amasu Okubhatalelwa Nezinhlelo Zobunzima

Uma ungakwazi ukukhokha ngokugcwele, eminye imibango inikeza amapulani agcwele noma izinhlelo ezithatha isikhathi esiphansi, ikakhulukazi kubaninikhaya abadala noma abaphansi. Imali ihlehlisa ukukhokhwa kuze kube yilapho indawo ithengiselwa noma idluliswa. Isithakazelo sikhona, kodwa singavimbela ukukhokha. Xhumana nehhovisi lomthelisi ukuze uthole izinketho.

Imiphumela Yokungawutholi Umholo: Amanga Nezinxephezelo

Ngokungafani nezinye izikweletu, intela yempahla iyinto eza kuqala. Nansi imiphumela eqhubekayo.

Ukuthola Isithakazelo Nezipho Eziningi

Intela engakhokhwa ngokushesha iqala inzalo ekhokhwayo nesijeziso semuva. Isilinganiso siyahlukahluka ngokombuso kodwa ngokuvamile sidlula ku-10% ngonyaka. Ngemva kwezinyanga ezimbalwa, ingqikithi ekweletayo ingaba nebhaluni eliphawulekayo.

Intela Iqashelwa Ngempahla

Uma intela ingakhokhelwa, uhulumeni wendawo ufaka intela entweni yakho. Lokhu kumanga kunikeza uhulumeni icala elingokomthetho. Kwezinye izifundazwe, amasela angathengiselwa umgcini-mali wangasese ebhizinisini lentela. Khona - ke umgcini-mali ukhokha intela futhi azuze inzalo. Kumelwe ukhokhele umgcini-mali ukuze asuse ishende, noma usengozini yokulahlekelwa yimpahla yakho.

I - “feclosure ”

Ngemva kwenkathi yokujezisa (ngokuvamile iminyaka emibili kuya kwemithathu), isikhulu sentela singaqala ukukhokha intela. Lokhu kuphumela ekuthengisweni kwekhaya lakho ngempoqo ukuze kwanelise izintela ezingakhokhelwanga. Imali yokukhokha ingaba khona ngisho noma unendlu yokubopha (impela, amaqamba entela athatha indawo yokuqala kunezindawo zokukhokha izikweletu. Ukugwema ukujeza kuyagxeka. Uma ulwa, thintana nomeluleki wezindlu noma usizo olungokomthetho ngokushesha.

Amasu Okulawula Nokunciphisa Intela Yempahla Yakho

Abanikazi bezindlu abasebenzayo bangathatha izinyathelo eziningana ukuze balawule izintela zempahla, futhi lezi zinqubo zingokomthetho, ziwusizo futhi zisetshenziswa kabanzi.

Hlaziya Njalo Amaphuzu Akho Okuhlola

Unyaka ngamunye, qhathanisa inzuzo yakho elinganisiwe nentengo yamuva yezindlu ezifanayo endaweni yakini. Uma ukuhlolwa kwakho kubonakala kungahleleki, qoqa ubufakazi futhi ubhale phansi i-odola engu-R1 000 engcono kakhulu. Ngisho nokwehla okuphumelelayo kwenani elilinganiselwayo kungasindisa amakhulukhulu ngonyaka.

Cela Konke Okungakholeki

Abanikazi abaningi bamakhaya baphuthelwa ukukhulula abakufanelekele. Bhekisa ilungelo lakho unyaka ngamunye, ikakhulukazi uma izimo zakho zishintsha (isizk., ukujika 65, ukukhubazeka, noma ukuthenga indlu okokuqala). Ihele ifomu elidingekayo ngomzuzu (____iminye imisebenzi iqala ngoApril 1.

Ukuqonda Izinguquko Eziyisilinganiso

Intela yakho ingakhula ngisho noma uhulumeni wendawo engasishiyi isikhala uma ukhuphula izinga lokugaya. Yiba khona ebhodini lesikole noma lomkhandlu wedolobha uhlela uhlelo lokuhlela ukuzwa umbono wakho. Kwezinye izindawo, abavoti kumelwe bavumele izinga lemali lenyuswa nge-arenteum, bakunike ithonya eliqondile.

Cabangela Inkonzo Yokukhokha Intela Yempahla

Izinkampani eziningana zinikeza usizo lokudlulisa isikhala ngemali (futhi ingxenye ethile yemali egciniwe). Uma ungafaka isicelo ngokwakho, lezi zinkonzo zisingatha amaphepha futhi zinikeze okufana. Cwaninga irekhodi lazo lendlela yokubhala kanye nemali ngaphambi kokuba usayine.

Izikhungo Zentela Ezibuyayo

Abanikazi bamakhaya abafaka intela yentela yempahla yendawo (kuhlanganise nentela yezindawo) ekubuyiseni kwabo intela yemali edonswayo kahulumeni, engaphansi komngcele (ohlangene) we-R1 000 (i-Asdollations Cuts noMthetho kaJobs. Lokhu kuncishiselwa kusebenza kuphela ezintela ozikhokhileyo phakathi nonyaka. Gcina amarekhodi entela yakho kanye nezitatimende. Ukuze uthole imininingwane eyengeziwe, kubhekise ku-R31,] i-openceractry .

Intela Yempahla Yabathengi Bezindlu Besikhathi Sokuqala

Uma ungena emakethe yezindlu, izintela zempahla ziyisici esibalulekile ekutholeni imali. Nakhu okumelwe ukukhumbule.

Izintela Eziyinhloko Emalini Yakho Yokweba

Inkokhelo yakho yanyanga zonke ihlanganisa inhloko, inzalo, umshuwalense, nentela yempahla (PITI). Cela umbolekisi wakho ukuba akulinganisele intela esekelwe entengweni yentengo yentengo nasemalini yendawo. Khumbula ukuthi izinqumo zingakhula ngemva kokuthenga, ikakhulukazi uma umnikazi wangaphambili enenani eliphansi ngenxa yokungakhokheli noma iziketi.

Ukucwaninga Ngentela

Phambi kokuthembisa, thola umlando wentela yempahla kuwebhusayithi ye-teuni yesifunda. Bheka noma ikuphi ukuphinde uphinde uhlole, ukudluliswa kwamuva, noma izilinganiso ezingakhokhelwa. Ukugxuma ngokushesha ngenani elihlotshisiwe kungasho imali engaphezulu ngonyaka ozayo.

Yazi Izinhlelo Zentela

Amanye amadolobha anikeza intela yesikhashana yokwakha noma ukulungisa, ikakhulukazi ezifundeni ezimisiwe zokuthuthukisa. Lezi zinganciphisa intela yakho iminyaka eminingi. Buza ummeli wezindawo noma ihhovisi lezentuthuko yezomnotho lakini mayelana nezinhlelo ezikhona.

Imibuzo Ebuzwa Kaningi Ngentela Yempahla

Ingabe intela yempahla inganda minyaka yonke?

Yebo, kodwa izinga lixhomeke emithethweni yendawo. Ezinye izifunda zilinganisela ukwanda kwaminyaka yonke ngesilinganiso esimisiwe (isib. 2,% eCalifornia). Ezinye zivumela ukuhlaziywa okugcwele okusekelwe ezimweni zemakethe. Kulindele ukwanda kancane kancane njengoba amazinga empahla nohulumeni enyuka.

Ingabe intela yempahla iyafana kuzo zonke izakhiwo endaweni?

Cha, ngisho nangezinga elifanayo lokugaya, izakhiwo ezinezindinganiso ezingafani zikhokha imali ehlukahlukene. Ngaphezu kwalokho, ukukhulula nezifunda ezikhethekile (isib., ukuze kuvikelwe umlilo) kungabangela ukuhlukahluka.

Kwenzekani uma ngidayisa umuzi wami maphakathi nonyaka?

Umthengi okhokhela intela eseyikhokhelwe ngemva kokuthengiswa, noma umthengi ukhokhela umthengi izintela ezingakhokhelwa ngaphambi kokuba adayise.

Ngingadedela yini izintela zezimpahla uma ngingabhali imali?

Cha. Izikweleti zentela kahulumeni neyasendaweni (SALT) zikhona kuphela uma ufaka izikweleti kuShedynal A. Uma uthatha izincopho ezivamile, awunakususa izintela zempahla. Bonana nochwepheshe wentela noma bona i-IMPAWU ISAKHILELA RO RO RO TEA.

Ngilithola kanjani izinga lentela yempahla yami yendawo?

Hamba umhlaziyi we-website yakho yesifunda noma umthelisi. Abaningi banikeza amathuluzi okufuna intela yempahla ngenombolo yekheli noma yephasela. Ungabiza futhi ihhovisi lonobhala wesifunda-sifunda ngenani lamanje lokugaya.

Isiphetho: Ukulawula Intela Yempahla Yakho

Intela yempahla iyingxenye eyinkimbinkimbi kodwa elawulekayo yendlu. Ngokuqonda indlela izilinganiso ezisebenzayo, ukusebenzisa noma yikuphi ukukhulula okufanele, ukukhanga, nokukhokha imali esele, unganciphisa izimangaliso futhi ugcine imali eyengeziwe ephaketheni lakho. Isihluthulelo siwukuhlala ukhokhe isaziso sakho, uhlole imihlangano yemali yendawo, futhi uthintane nochwepheshe lapho kudingeka. Ngolwazi olunikeziwe lapha, ungagwema intela yempahla ngokuqiniseka futhi ugxile ekujabuleleni ikhaya lakho.