Momwe munganenere galimoto yanu yatsopano ndi yopanda msonkho
Zamkatimu
Mukagula galimoto yatsopano, mudzapeza ndalama zambiri zomwe mumagula. Ndi ochepa omwe angathe kulipira ndalama zonse patsogolo. Ngati simungathe kupeza chiwongola dzanja cha 0% pa ngongole yagalimoto, mawu anu obweza adzakhala…
Mukagula galimoto yatsopano, mudzapeza ndalama zambiri zomwe mumagula. Ndi ochepa omwe angathe kulipira ndalama zonse patsogolo. Ngati simungathe kupeza chiwongola dzanja cha 0% pa ngongole yagalimoto, mawu anu obweza adzaphatikiza chiwongola dzanja pamtengo waukulu wangongole.
Ndalama zoyendetsera ndalama zimadalira momwe mulili pazachuma. Ngati muli ndi ngongole yabwino kwambiri, nthawi zambiri mumayenera kulandira chiwongola dzanja chotsika kwambiri. Ngati muli ndi ngongole yoipa, simungayenerere ngongole ya galimoto kapena mungafunike kulipira chiwongoladzanja chokwera. Ngati muli ndi luso lochepa kwambiri la ngongole, simungathe kubwereka ngongole ya galimoto kapena mungafunike kulipira chiwongoladzanja chokwera.
Mulimonsemo, mukufuna kusunga ndalama zambiri momwe mungathere. Ngakhale galimoto yanu sichotsedwa msonkho, pali njira yopezera chiwongoladzanja cha ngongole yagalimoto ngati ndalama zopanda msonkho.
Kaya muli ndi ngongole yabwino, ngongole yoyipa, kapena mulibe ngongole, ngati muli ndi ngongole m'nyumba mwanu, mutha kusintha chiwongola dzanja chomwe mumalipira ngongole yagalimoto yanu kukhala ndalama zopanda msonkho.
Gawo 1 mwa 3: Pezani ngongole yanyumba
Mzere wa ngongole wanyumba, womwe umatchedwanso HELOC, umagwiritsa ntchito ndalama zomwe muli nazo m'nyumba mwanu monga gwero lobwereka kudzera mwa wobwereketsa wanu.
Khwerero 1: Dziwani Ndalama Zomwe Zilipo. Kuchuluka kwa ndalama zomwe nyumba yanu ili m'nyumba mwanu ndi ndalama zomwe nyumba yanu ili nayo pamsika wamakono wa nyumba, kuchotsera zomwe muli nazo panyumbayo.
Nthawi zambiri, HELOC imangopereka ndalama zokwana 80% za mtengo wanyumba yanu, kuchotsera zomwe muli nazo panyumbayo.
Mwachitsanzo, ngati nyumba yanu ili yamtengo wapatali $200,000 pamsika wapano ndipo muli ndi ngongole ya $120,000 pa ngongole yanyumba, muli ndi ndalama zokwana $80,000 m'nyumba mwanu. Ngati wobwereketsa amangopeza ndalama zokwana 80% za mtengo wa nyumba yanu, yomwe ndi $160,00040,000, ndiye kuti ndalama zanu za HELOC zomwe zilipo ndi $80XNUMX, ndiye kusiyana pakati pa zomwe muli ndi ngongole ndi XNUMX% yamtengo wamsika wamsika.
Gawo 2: Ganizirani zomwe mungachite ndi wobwereketsa wanu. Kambiranani ndi wobwereketsa wanu zosankha zomwe muli nazo za ngongole yanyumba.
Mukalandira ngongole, mutha kuyamba njira yogulira galimoto ndi chiwongola dzanja chaulere.
Gawo 2 mwa 3: Gulani galimoto yokhala ndi ngongole yanyumba
Gawo 1: Malizani mgwirizano wogulitsa. Pangani mgwirizano wogulitsa ndi ogulitsa magalimoto kuti mugule galimoto yomwe mukufuna.
Ndalama zogulitsa zidzalipidwa mokwanira ngati mutagwiritsa ntchito ngongole ya equity, kotero muli ndi mwayi wochuluka wokambirana ndi wogulitsa kuti mupeze malonda abwino.
- NtchitoYankho: Ngati simugwiritsa ntchito njira zopezera ndalama zamalonda, nthawi zambiri mumakhala oyenera kubweza ndalama za madola masauzande angapo, makamaka pamene mukuyandikira kumapeto kwa chaka chachitsanzo. Gwiritsani ntchito mwayi wochotsera ndalama kuti muchepetsenso mtengo wanu wogulitsa.
Gawo 2: Gwiritsani ntchito HELOC yanu kulipira. Malizitsani kugulitsa ndi kulipira kuchokera ku HELOC yanu.
Landirani cheke kapena cheke ku banki za kuchuluka kwa malonda kuchokera kwa wobwereketsa wanu kuti mugulitse zonse zomwe mwagulitsa. Mutha kungofuna chiwongola dzanja pa ndalama zomwe zaperekedwa kuchokera ku HELOC yanu.
- KupewaYankho: Ngati mukugwiritsa ntchito ngongole yogulira galimoto kuti mugule galimoto, muyenera kudziwa kuti nyumba yanu ndi chinthu chofunika kwambiri pa ngongoleyo, osati galimoto. Ngati simukulipira ngongole yanu, nyumba yanu ikhoza kulandidwa ndi bungwe lanu lazachuma.
Gawo 3 la 3: Funsani chiwongola dzanja pagalimoto yanu motsutsana ndi msonkho wa ndalama
Gawo 1: Dziwani chiwongola dzanja chomwe mwalipira pa HELOC yanu pachaka.. Onjezani zolipirira chiwongola dzanja zomwe zalembedwa pamalipoti anu amwezi uliwonse kuti mupeze chiwonkhetso cha chaka.
Mutha kulumikizananso ndi bungwe lanu lazachuma kuti mumve chidule cha akauntiyo.
Gawo 2: Lembani chikalata cha msonkho. Lembani Fomu 1040 Ndandanda A ya msonkho wanu wa msonkho.
Tchati A ndi fomu yomwe mumalembapo zomwe mwachotsa pa chaka. Lembani chiwongola dzanja kuchokera ku HELOC yanu pamzere 10 wa fomuyo.
Ngati mukufuna kuyika ndalama zina pa mzere 10, Chiwongola dzanja chanyumba ndi Fomu 1098 Points, onjezani pamodzi. Banki yanu iyenera kulemba Fomu 1098 ndi IRS kuti mupeze chiwongola dzanja pa ngongole yanu yanyumba, choncho onetsetsani kuti manambala anu ndi olondola.
- KupewaYankho: Kusalumikizana kwa chidziwitso kungayambitse kuchedwa pakukonza zobweza msonkho wanu komanso zilango zopereka msonkho wachinyengo.
Khwerero 3: Lembani msonkho wanu wa msonkho ndi IRS, kuphatikizapo Exhibit A.. Mungafunike kutumiza zikalata zothandizira kuti mulipire chiwongola dzanja ngati ikufunika ndi IRS.
Musanagule galimoto pogwiritsa ntchito ngongole ya Home Equity kuti mutenge chiwongola dzanja ngati chochotsedwa msonkho, funsani akauntanti wanu kapena katswiri wamisonkho kuti muwone ngati izi ndi zovomerezeka m'malo mwanu ndipo funsani mmodzi mwa akatswiri ovomerezeka a AvtoTachki kuti achite mosamala. - kuyang'ana kugula kuti muwonetsetse kuti galimotoyo ili pamwamba.
