Kuzindikiritsa ndalama zomwe mukupeza popempha nyumba ndizofunikira pafupifupi mtundu uliwonse wa mgwirizano waulendo, koma pa msonkho wa ngongole, kuonetsetsa kuti ndalama zowonjezera zimafunidwa ndilamulo. Dziwani kuti ndalama zimaphatikizapo malipiro anu othawikira ntchito ndipo zingaphatikizepo ndalama zomwe zimabweretsa ndalama kapena zinthu zina. Kawirikawiri, katundu saganiziridwa kuti atsimikizire ndalama. Wininyumba angayang'anitsenso ngongole yanu asanavomereze ntchito yanu.
Momwe Amalowa Amatsimikizira Phindu
Pamene eni nyumba ena amafufuza ntchito kapena ndalama mopanda malire-monga kungodzifunsa kumene mukugwira ntchito ndi zomwe mukuchita-ena angapemphe umboni wokwanira wa ntchito yanu / kapena ndalama. Ngati muli ndi abwana (simuli ogwira ntchito), mwini nyumba angapemphe kuti awonetsere maola angapo a ndalama. Mwinanso, mungafunsidwe kuti musonyeze mwatsatanetsatane wanu W-2 mwatsatanetsatane monga umboni wa ndalama zanu za chaka chatha. Ngati muli wodzigwira ntchito, mwini nyumba angapemphe mabungwe a banki akuwonetsa posachedwa ndalama zanu ku akaunti yanu. Komabe, popeza anthu odzigwira nthawi zambiri amakhala opanda ndalama, nthawi zambiri zimakhala zosavuta kutsimikizira ndalama zapachaka pamabwerero a msonkho.
Kodi Malipiro a Misonkho Ndi Chiyani?
Nyumba ya ngongole imatchedwanso malo a ngongole kapena msonkho wa ngongole. Nyumbayi ndi nyumba ya mwini nyumba yomwe ikugwira ntchito pulogalamu ya ngongole yopanda msonkho ya pakhomo.
Ogwira nyumbawa amafunika kulandira ngongole ya msonkho kwa malo oyenerera kubwereranso kubwereka ena kapena nyumba zonse kuti azikhala osunga ndalama pakhomo loletsedwa .
Kuwonetsera Ndalama Zogulitsa Zisonkho
Monga wopempha wamkulu kapena wachibale, muyenera kuyembekezera kuti mwini nyumba akufunseni kuti mulembe fomu yokhala ndi chilolezo yomwe ikuloleza kusonkhanitsa chidziwitso, kuphatikizapo kulankhulana ndi anthu ena, kuti musinthe kusiyana kwanu.
Dziwani kuti ngati musankha kusayina fomu yobvomerezeka, mwini nyumbayo sangathe kukuganizirani pa malo osungira ndalama. Ndiponso, inu ndi ana omwe ali ndi zaka zisanu ndi chimodzi omwe mumakhala nanu m'nyumba yanu ayenera kupereka nambala ya Social Security kapena chizindikiritso chomwe simunachipezepo.
Anthu ogulitsa nyumba ayenera kugwiritsa ntchito njira zovomerezeka zomwe zikuvomerezeka ku Dipatimenti ya Maofesi a Nyumba ndi Maziko a ku America (HUD). Iwo ali ndi udindo wozindikira ngati zolemba zovomerezeka zomwe alandira zili zokwanira ndi zowona. HUD imavomereza njira zitatu izi zowonjezera (mwachindunji cha kuvomerezedwa): kutsimikiziridwa kwa chipani chachitatu, kubwereza zikalata, ndi chizindikiritso cha banja. Ngati chinthu choyamba (chitsimikizo chachitatu) sichingapezeke, eni nyumba ayenera kulemba chifukwa chake mu fayilo yanu yopatsa katundu musanayambe njira zovomerezeka zovomerezeka.
- Kuwonetsetsa kwa anthu atatu: Njira yokondedwa ya HUD yokhala ndi eni nyumba kuti apeze chitsimikizo cha chipani chachitatu ndi zolembedwazi zomwe zimatumizidwa mwachindunji ndi gwero la chipani chachitatu, kudzera pa makalata kapena pa intaneti. Anthu ogulitsa nyumba amafunika kuti agwirizane ndi anthu omwe ali ndi magulu atatu (kuti asamapezeke malemba), choncho musadabwe ngati mwininyumba akukana kuti mupereke fomu yovomerezeka, monga mwa abwana kapena banki.
- Kuvomerezeka kwachinsinsi : A eni nyumba akhoza kutsimikizira mauthenga mwachinsinsi, poyankhula ndi magwero a chipani chachitatu pa foni. Ngakhale kuti sizodalirika monga zolembedwera, zingakhale zofunikira ngati magawo atatu asayankhe pa zolembera zolemba.
- Kuwongolera malemba: Ngati chitsimikizo cha chipani chachitatu sichingatheke, eni nyumba angayang'ane zolemba (mwachitsanzo, maholo angapo pamene abwana akukana kuyankha pempho la eni ake ).
- Chizindikiritso cha banja: Monga njira yomalizira, mwini nyumba yemwe sangathe kupeza umboni woyenera akhoza kudalira ndondomeko yolumbirira ya nyumba, kapena zovomerezeka (kapena zovomerezeka) zomwe zimatchula kuchuluka kwa ndalama ndi mtundu wa ndalama zomwe zilipo.