Kwinqaku lethu kwiRhafu yePropati yeNtlawulo yePropati, sisebenzisa umzekelo we-fourplex njengotyalo-mali lwethu. Unokufumana iinkcukacha zokuthenga apha , ke ke, khumbula ukuba bekuthengwa kwe-$ 325,000 ye-fourplex yokuqeshisa kuzo zonke iiyunithi ezine ixesha elipheleleyo.
Njalo qwalasela yonke imicimbi yerhafu ngokugqithiseleyo kunye neengcali zerhafu, nangona kunjalo, i-IRS ngokubanzi iza kusenza sihlaziye ixabiso le sakhiwo kule propati kwiminyaka engama-27 ne-1/2. Le yonyango olulungileyo lwenyaniso yokuba izakhiwo zithwala ngaphandle kwexesha, okanye ziphelelwe ngumsebenzi ngenxa yobuchule babo obudala abukho mfuneko.
Ngoko, sinempahla edala i-$ 15,192 ngemali ngokuhamba kwemali eyiyo, kodwa ngoku sinako ukuhlawula enye yerhafu yerhafu. Siyanciphisa isakhiwo ngokunciphisa ixabiso lomhlaba kwaye sihlula ixabiso lokwakha ngama-27.5 iminyaka ukwenzela ukuhla kwehla. Ukubala kokuhla kwexabiso kubonakala kanje:
Ixabiso lokuthengwa - Ixabiso leMhlaba = Ixabiso lokwakha.
2. Ukubaluleka kweZakhiwo / 27.5 = Ukuncitshiswa kwexabiso lokunciphisa ngonyaka.
Ngokomzekelo wethu we-fourplex, siya kuthatha ukuba ixabiso lehafu yesiqingatha apho lihleli khona liyi-80,000. Ngoku ke sijonge ukubala kwethu:
1. $ 325,000 - $ 80,000 = $ 245,000 Ixabiso lokwakha.
2. ii-245,000 / 27.5 iminyaka = $ 8909 ngonyaka ngokuhla
Ngaphandle kokuthatha nayiphi na irhafu yerhafu okanye i- interest interest mortgage account, siye sanciphisa ingeniso yethu engenayo. Njengoko sifuna ukujonga iinkalo zerhafu yepropati yethu, songeza kwakhona inqununu kunye nomdla kwiintlawulo zokuboleka imali esizikhuphayo ukuze sibone ukuhamba kwemali .
Ngaloo ndlela imali yethu eyi-15,192 yemali ephumayo ibuyela kwi-$ 34,908.
I-$ 15,192 + $ 23,316 - i-3600 yentlawulo kunye ne-inshurensi = $ 34,908. Le yimbopheleleko yerhafu yengeniso yengeniso eqhelekileyo yengeniso yerhafu, ukulahlekelwa kwezithuba , i-inshorensi, ukulungiswa kunye neendleko ezithe ngqo. Siza kujonga kamva kwezinye iirhafu. Kodwa nantsi indlela ukuhla kwehla kubuyela ngayo.
- I $ 34,908 - i-8909 yexabiso elincinci = $ 25,999.
Khumbula ukuba asizange sichithe nayiphi na imali ukuze siqonde le ncitshiswa. Kwaye sinamanye okuncitshulwa ukuthatha. Intlawulo ayikho kubalo, kodwa, njengoko kufuneka siphume intshisekelo ekulinganeni. Akukhenketho ngokukhululekileyo kule ntsalela okanye. Xa uthengisa ipropati, kuya kufuneka uthabathe ixabiso lokuncitshiswa kwexabiso xa ubala i-capital income tax. Nangona kunjalo, kukho iindlela zokunqoba ezo ntlawulo kwakunye ne- 1031 Exchange .
Utyalo-mali lokuqashisa ekhaya luyakuthandwa kakhulu, ngokukodwa abatshali-mali abatsha okanye abo bafuna ukuhamba kwemali ngenyanga ngaphandle kwexesha elifutshane lokufumana inzuzo okanye ukulungiswa kwemali. Ngokuxhomekeka kwixesha lakho kunye nexesha lokuthatha umhlalaphantsi, utyalo-mali lokuqashisa luyakwenza okuninzi kuwe:
- Ukufumana umhlalaphantsi - Njengoko usondele umhlalaphantsi kwaye uqale ukubala imali engenayo yenyanga kwimarike yamasheya okwangoku kunye nezinye iimali-mali, unokufumanisa ukuba akukho niselo ephezulu kakhulu yokubuya ephuma endleleni evela kwiintlawulo okanye inzala. Ukuhlawula impahla yakho, unokuthengisa ii-stocks okanye i-bonds kwaye uhambisa imali kwizindlu zokuqasha. Kukho ukuba unobungozi obungaphantsi xa uthe utyalwe ngokuhlakanipha, kwaye ukubuyiswa kuphezulu. Uya kuba nenzuzo engaphezulu kwenyanga ukuxhasa umhlala-phantsi ozayo.
- Incinci, kodwa icebo - Le yilapho unokuqala ukwakha umhlalaphantsi omhle phantse naphi na ukufunayo kwaye uphile ubomi obuhle. Qala ukuthenga izakhiwo njengeziqeshiso, kwaye uya kuqala ukufumana ukulingana njengoko bayakuxabisa kwaye uhlawula phantsi imali yokuthenga. Unokuthatha loo ntlawulo nge-Exchange ye-1031 uze uyiqhube kwiindawo zokuqeshisa ngaphezulu, mhlawumbi izindlu ezinokubaluleka kunokuba zininzi zazo. Uyakuphepha uzuzo lwempembelelo ekugqibeleni xa ukwenza okulungileyo.
Ukutsalwa kwepropati yepropati iya kuba yindlela enkulu yokutyala imali, njengoko kuya kubakho irente. Ukuhlaselwa kwezindlu kunye nokuhlawulwa kwemali eyaqala ngasekupheleni kuka-2006 kusibonisa indlela ipropati yokuqashisa ibe yinto efanelekileyo yokutshala imali. Bonke abo bantu abalahlekelwa amakhaya abo ukuba baqeshwe baba ngabakhenkethi ngelixa bavuselela ikhredithi yabo kwaye bagcinwa ngeentlawulo eziphantsi.
Abathengi abancinci kakhulu bashiya iimarike kwiminyaka emva kokubona izihlobo zabo ezindala zilahlekelwa ngamakhaya okanye ukulingana. Banikezela imfuno enkulu yokuqesha. Utyalo-mali lokuqashisa ekhaya aluxhatshali kwimiphumo emibi yenyuka izinga lentengo kunye nokunyuka kwamaxabiso. Yindlela enhle yokukhulisa ubutyebi bakho.