Ndingayigcina na indlu yam njengengabinamali?

Ndingayigcina na indlu yam njengengabinamali?

Umbuzo oqhelekileyo esibuzwa rhoqo sisithi, "Nokuba umntu okwinkqubo yokugcwalisa ngenxa yokuchacha uza kubanakho ukugcina ikhaya lakhe." Impendulo ekhawulezileyo kule ithi, "Ewe. Kwiimeko ezininzi uya kukwazi ukugcina ikhaya lakho. ”Nangona kunjalo, kukho iintlobo ezahlukeneyo zokungabinamali.

Njani iSahluko 13 Ukubhengezwa kungayigcina njengeKhaya.

Kwisahluko 13, esisiseko sokuhlengahlengiswa kwamatyala akho, ivumela abanini khaya ukuba bagcine amakhaya abo. Ukucingela ukuba umnini-khaya uyakwazi ukufezekisa iimfuno zokuhlawula ezichaphazelekayo kwaye zibekwe kwisicwangciso se-13. Isahluko se-13 sokungabinamali siza kukuvumela ukuba ubuyise onke amatyala akho ngesicwangciso sokuhlawula ngaphezulu kweminyaka emithathu ukuya kwemihlanu ngokusekelwe kumvuzo wakho. Ngaphantsi kwezinye iimeko kuya kufuneka ubhatale kuphela kwinxalenye yamatyala akho.

Ngokwesiqhelo kwimeko ebalaseleyo, abantu bayakwazi ukugcina iimoto zabo, kunye namakhaya akwisahluko 13 ukubhengezwa ngokungabinamali yokuhlawula amatyala abo asematyaleni ngelixa behlawula amatyala abo kwaye bagcina okwangoku kuzo zonke iindleko zabo zenyanga njengoko beza.

Kukho iintlobo ezithile zamatyala akhutshwe kwisahluko 13 ukubhengezwa ngetyala bekungayi kubakho ikhutshiwe kwisahluko 7 ukubhengezwa njengongenamali. Ukuba unemibuzo, nceda unxibelelane nelinye lamagqwetha ethu okubhanga imali ukuba igqithe kuzo zonke iimfuno zakho ngaphambi kokuba ufayile ukubhengezwa mahala. Ukwazi amalungelo akho ahambelana netyala lakho kunye nobambiso lwakho ngelixa uboniswa ngaphambili kunokukunceda kwixesha elide. Esi ayisosisombululo nje se-2019 okanye i-2020 le sisisombululo sobomi esijonge ukugcina ikhaya lakho.

Ngaphantsi kwesahluko 13 ukubhengezwa kwabatyali bakho kuya kufuneka bafumane okuninzi njengoko bebeya kwenza phantsi kwesahluko 7 yokugcwaliswa kwamatyala okugcina.

Ngaba iSahluko 7 ukubhengeza kungaligcina ikhaya?

Kwisahluko 7 ukubhengezwa kwamatyala, oko kukuthi ukungqinwa kwamatyala kunye nempahla, oko kuthetha ukuba ikhaya lakho lingaphantsi kokuthengisa kuxhomekeke kubungakanani bamatyala kwindlu yakho. Ukulingana kuphathwa ngokusisiseko njengemali ekupheleni kosuku. Ukuba awulilungiseli ukubhengezwa ngokungabinamali kwesahluko 7 ngaphambi kokufaka iifayile, kuya kufuneka ucele ukuthengisa ikhaya lakho kwisahluko 7 sokungabinamali. Okanye ngakumbi ngakumbi kwisahluko se-7 trustee iya kuthengisa ikhaya lakho ukuze ikhuphe imali yakho yokuhlawula ityala lakho. Ukuxolelwa kubulungisa ngokulinganayo ngurhulumente ngamnye kwaye umnini-khaya uya kunikwa ukhetho malunga nokuxolelwa kwi-Federal okanye kuRhulumente.

Ukuxolelwa kukarhulumente kuyahluka ngokwakwimo kunye ne-County ngexesha. Umzekelo, eNew York, ukukhululwa kukarhulumente ku:

  • I- $ 170,825 e-Bronx, Kumkani, Nassau, New York, Putnam, Queens, Richmond, Rockland, Suffolk nase Westchester.
  • I- $ 142,350 eAlbany, Columbia, Dutchess, Orange, Saratoga, kunye ne-Ulster
  • I- $ 85,400 kuzo zonke ezinye iingingqi eNew York State. Bona I-CVP § 5206

ENew Jersey ukukhutshwa komanyano kuxa kunenzuzo ngakumbi kumnini khaya kunaseburhulumenteni abakhululwayo. Sebenzisa ukukhululeka kwesizwe okanye kukarhulumente kuxhomekeka kwimeko yakho nakwindawo njengoko kunokubonwa xa uthelekisa iNew York kunye nokuxolelwa ekuhlawuleni ukubhengezwa kwemali yaseNew Jersey.

Ukuxolelwa akusebenzi nje kwifayile yokuhlawula amatyala ekhaya. Ukuxolelwa kusebenza kuzo zonke iintlobo zepropathi phantsi kwemithetho yokuxolelwa. Abantu bayakwazi ukufaka ukuxolelwa kwimali ezinkozo, ii-autos, ubucwebe kunye neengxowa-mali zomhlalaphantsi ukubiza izinto ezimbalwa.

Isahluko se-7 sokuchithwa kweebhenefithi kwakhona siya kukuvumela ukuba ukhuphe imali mboleko, ukungabikho kwemali, ityala lekhadi letyala, ityala lokugula. Ukugcwalisa ukubhengezwa njengongenamali kuya kumisa ukubuyiswa kwakhona, ukuyeka ukuhanjiswa kwemivuzo, ukususa irhafu yengeniso yomntu kwisithuba seminyaka ye-3. Esi ayisosisombululo sexeshana. Kuyindlela esisigxina yokuphelelwa lityala. Isahluko 7 ukungabinamali kunokuba sisisombululo.

Sukuthatha igama lethu kuyo, funda ugxeko ncomo kubathengi bethu ukuze ufumanise ngenkonzo esibonelele ngayo abathengi bethu. Ungayimisa imali mboleko ephezulu, ufumane ityala lokuhlangula, ugcine i-real estate yakho. Isicwangciso sobungcali sinokukunceda ulawule imboleko yakho ekhuselekileyo kwaye uqinisekise ukuba zonke iiakhawunti zakho ziyakhathalelwa. Ukuba ufuna ingcebiso kwezomthetho siya kukuhamba kuzo zonke iinketho zakho.

Nceda uthethe nommeli weTyala labathengi ngaphambi kokuba ugcwalise iCandelo 7 okanye iSahluko Ukuchithwa kwe-13

Nceda uthethe kwiGqwetha leTyala labaThengi ngaphambi kokuba ufake ifayile yokubhanga ukuze uqonde ukuba loluphi uhlobo lwemali mboleko, kunye neminye imigca yemali onayo enokuxolelwa kwisahluko se-7 ukubhengezwa kwamatyala okanye kwisahluko se-13. Igqwetha elingabinamali lingathanda ukuthetha nawe ngaphambi kokuba ugcwalise imali yokuhlawula amatyala kunasemva kokuba lifayilishe ukubhengezwa xa ingabakho. Akunandaba nokuba yeyiphi inkampani oyigcinayo, okanye unetyala elingakanani kwikhadi letyala. Ukuthetha negqwetha simahla akunakulimaza. Phakathi kwesixa solwazi oluthathayo ukuqonda ukuba ifayile yokubhengezwa ukuze ugcine ikhaya kunye nenani lolwazi olubi kwiwebhu. Kuya kufuneka ufikelele ngaphandle kwe-intanethi kwaye uxhomekeke kwiiwebhusayithi ukwenza isigqibo esimalunga namalungelo akho okusindisa ikhaya lakho.

Zonke iinketho zakho zobuqu kufuneka zixoxwe nomnye wabameli bethu abanamava okubhanki. Ngubani oza kukwazi ukukhokela kwinkqubo. Ukukunceda usebenzele kwinjongo yakho yokugcina ikhaya lakho. Siyabuxabisa ubumfihlo bakho kunye nokuba ngasese kusapho lwakho. Kuyinkqubo yethu ukugcina zonke izinto ezixoxwayo kuxoxwa ngazo nomnye wabameli bethu bokungabinamali ziyimfihlo. Ukwazi amalungelo akho asemthethweni kubalulekile. Awunakuhlala uxhomekeke kumanqaku eblogi okanye kwiiwebhusayithi zezimali ukufumana olona lwazi lukhoyo ngokuhambelana nomthetho wokubhanga okanye umthetho wokubonisa kwangaphambili.

Iingcebiso onokuthi ziqwalasele ngaphambi kokuba ugcwalise ngoBhengezo

Kukho iingcebiso ezimbalwa omele uziqwalasele ngaphambi kokuba ugcwalise a Isahluko 7:

  1. Qonda indlela owabanjwa ngayo umzi wakho. Umzekelo, ukuba ungumninindlu kwiLungelo lokuhlala kunye nomntu wonke kwiqabane lakho. Unokwazi ukukhulula yonke imali eseleyo kwisahluko 7 sokungabinamali.
  2. Yazi izindlu zakho ngexabiso lokuthengisa. Qonda ukuba nje ukuba ubonwe ngaphambili, naliphi na inani labantu liya kuqala ukubonelela ngeyona nto baqonda ukuba yeyona "Nikelo intle" yekhaya lakho, nangona kunjalo banokuzama ukuphelisa ukuthengisa kwaye babambe imali yakho.
  3. Qonda ukuba unokuhlawula iintlawulo zakho zobambiso. Asiyoshishini lethu ukubonelela ngolwazi olufunwa ngabantu apha, cacisa iminxeba enzima abanye abantu ekufuneka beyenzile. Indawo yethu yewebhu yenzelwe ukubonelela ngolwazi, kodwa kuya kufuneka ukwazi ukubonelela ngolwazi malunga nengeniso yakho kwibhanki yakho ukuze babone ukuba unokukwazi na ukuhlawula ityala lakho.
  4. Qonda ukuba ukuhlala ngokuzenzekelayo kuya kukhusela njani amalungelo akho. Ke abantu abanamatyala abakwazi ukuza emva kokuba ubhengeze. Ukhuseleko oluzenzekelayo lokuhlala lunokwandisa nakubabo-ababolekisi bakho.
  5. Nokuba uziva ngathi awunatyala kakhulu, usenelungelo lokusebenzisa inkundla yokuhlawula amatyala akho ukunyanzelisa amalungelo akho kwabo ubabolekayo.

Ngelixa uluhlu olungasentla aluluhlu olupheleleyo lwezinto ezinokubakho ezinokubakho ngexesha lokubhanga okanye luluhlu lwezinto zonke onokuthi uziqwalasele, Kukunika umbono wobungozi obunokubakho ngokugcwalisa ukubhengezwa kwe-7 xa ungakwazanga ukunyanzelisa amalungelo akho. Nokuba ungahlawula ntoni ityala lakho, inkampani yethu engathanda ukunceda. Kuluhlobo olulungileyo ukumelwa ngokusemthethweni ngaphambi kokuba ugcwalise ngenxa yokuchaphazeleka. Ukuba ukhetha ukungasiqeshi, sicebisa ukuba ukhangele elona gqwetha lilungileyo kuwe lokufumana isiqabu osifunayo.

Ixabiso lokuba negqwetha elithembakeleyo nelinamava lokungabinamali kwicala lakho lokukunceda ukwazi ukubona inkqubo ebonakalayo kwaye likucebise ngalo naliphi na inyathelo lendlela yakho kude kugqithe ixabiso elincinci lokuhlawulela ukumelwa ngokusemthethweni ukuba kukho into engahambi kakuhle emva kokuba ubekhe wafaka imali yokubhanga. , okanye ukuba awunaso isicwangciso kunye sokukhulisa ixabiso lekhaya lakho. Ukuba unayo nayiphi na imibuzo malunga nokuthenga okanye ukuthengisa kwekhaya lakho nceda unditsalele umnxeba kwi-844-533-3367 ukuze uthethe Ukudalulwa / igqwetha lokuhlawula amatyala Okanye u tyelele app yethu yekhalenda ukucwangcisa ixesha kwi-intanethi. banokunxibelelana nathi nge-imeyile ku [Imeyile ikhuselwe].

Izithuba enxulumene

Shiya iMpendulo

Le sayithi isebenzisa i-Akismet ukunciphisa ugaxekile. Funda indlela idatha yakho yokubhaliweyo isetyenziswe ngayo.