Iingqwalaselo ezininzi zezemali ziya kudlala
Amanani amaninzi eemali anokuncedisa ubunini obuyimpumelelo kwipropati yokuqashisa kunye neentlawulo zakho zezimali, kwaye zibonakala ziyikrakra ekuqalekeni. Ukuhamba kwemali, ukwehla kwexabiso, kunye neempembelelo zerhafu zimbalwa nje, kwaye zidibanisa ngezinga elithile. Ingeniso yakho inokuxhomekeke ekusebenzeni ngamnye kumsebenzi wakho. Nayi imizekelo embalwa.
01 - Ukuqeshiswa kweNgeniso yeNgeniso yeNkcazo yokuHlaba kwemali
Injongo yakho, ke, kukudala ukuhamba kakuhle kwemali ongayifaka ebhankini nyanga zonke ebomini bakho bunini bepropati. Yonke inkokhelo yekheshi kunye nokungena ibalwa kwaye imali eseleyo kufuneka ibe yibuyiselo efanelekileyo kwi-investment yakho. Ewe, ulindele ekugqibeleni uthengise kwinzuzo kunye nokuqonda ukubaluleka kwexesha lobunini bakho.
02 - Ukuqeshiswa kweMpahla yokuNciphisa ukuKhutshwa koTshintsho
Ukuncitshiswa kwexabiso lokunciphisa ixabiso liyinxalenye ebalulekileyo ekuhlalutheni kwepropati yethu. Kubantu abakwiibhanki eziphezulu zerhafu kunye nolunye utyalo-mali, kunokunciphisa inzuzo kwezinye iityala. Ngokuqinisekileyo, uya kufuna ukuqhagamshelana nomgcini-akhawunti okanye enye ingcali yerhafu ukuba uhlolisise oku, kodwa xa iindleko zakho zobunini kunye nexabiso lokunciphisa lidibanisa ngaphezu kweenzuzo zakho, unakho ukulahleka okuseleyo ongayisebenzisana nenye ingeniso yerhafu iinjongo.
Akunjalo ukulahleka kwemali kuba ukwehla kwexabiso akukakho imali. Inombolo ebalwe iphathwe njengendleko ngenjongo yerhafu. Awuzange uyisebenzise ukuze uhlale unemivuzo yokunyuka kwemali nganye ngenyanga ngenkathi ubonisa ukulahleka kokusebenza kweenjongo zerhafu.
03 - I-Mortgage Interest deduction kwiPropati yeRhafu
Ngoku makhe sicinge ngokubanjiswa kweerhafu kwenzalo yokuboleka imali oyihlawulayo kwipropati yakho yokurenta. Nangona umthetho werhafu wamanje ogqityiwe ngo-2017 uye wanciphisa umnqweno wokubanjiswa kwempahla kwisakhiwo esasetyenziselwa iinjongo zomntu siqu, unako ukususa inzala kwimali yakho yengeniso ukuba awuhlali kwindawo leyo yokuhlala.
Ngaphandle kweyiphi enye inqununu ukuba umnini othile angenise umdlalo, isiphumo sichaza uxanduva lwakho lwerhafu. Sanciphise ingeniso yakho yokuqeshisa irhafu ngokufaka isicelo sokubanjiswa kwale ntsalelo kwaye ufumene intembeko enemali yokuhamba kwemali emva kwentela kulo mzekelo.
Ubungqina obuninzi kukuba abatshali-mali abaninzi bezindlu zisesemoyeni ngenzuzo, kwaye ezo nzuzo ziyinxalenye enkulu ngenxa yemigaqo ye-IRS ye-real estate efana nale.