Kuyenzeka ukuba uthenge indlu eUnited States ngaphandle kwenombolo yokhuseleko lwentlalo (SSN). Oku kunokubonakala kungenakwenzeka, njengoko i-SSN isetyenziselwa ukumisela eyakho imbali yekhredithi (kubalulekile xa ufumana imali mboleko). Nangona kunjalo, abaphambukeli ngaphandle kwe-SSN banokusebenzisa inani le ( I-ITIN ) Ukuchongwa komrhafi ngamnye ukufumana ikhadi ikhredithi ekhuselekileyo , kwaye usebenzise ikhadi ukwakha imbali entle yamatyala .
Kuyenzeka ukuba uvavanye ukufaneleka kwekhredithi ngokubonisa ukuba amatyala ahlawulwe ngexesha. Ababolekisi bayathanda ukubona ukuba unovimba omkhulu kwiakhawunti yebhanki yaseMelika, kunye nembali ingqesho ezinzileyo . Ekugqibeleni, umthengi wekhaya ngaphandle kwenombolo yokhuseleko kwezentlalo kungafuneka anike isixa esikhulu semali kwintlawulo esezantsi yendlu, kodwa asenakho ukuyithenga.
Amanqaku aphambili ekufuneka uwagcine engqondweni:
- Ukuba umntu akanayo inombolo yokhuseleko kwezentlalo, iNombolo yokuchonga yoMhlawuli womntu ngamnye inokunceda ukuthenga ikhaya ukuba ezinye iimfuno ziyafezekiswa.
- Ukungqina ukuba ungafumana ikhadi lamatyala kwaye wenze iintlawulo zenyanga ngenyanga kubalulekile ekugqibeleni ube nelikhaya ngaphandle kwenombolo yokhuseleko kwezentlalo.
- Ukubanakho ukuhlawula phantsi i-20% okanye ngaphezulu linyathelo elihle ekubonakaliseni iibhanki ukuba uyakwazi ukuphatha ukuthenga ikhaya.
- Kunokuba lula kunokuba ucinga ukuhlala apha e-US Endaweni yenombolo yokhuseleko lwentlalo, uyakufuna i-ITIN, iNombolo yokuchonga yoMhlawuli womntu ngamnye.
Ukuba unayo i-ITIN kwaye uhlangabezana neemfuno ezidweliswe ngezantsi, unokuba usendleleni eya ekufumaneni imali mboleko yakho yendlu ngaphandle kwe-SSN.
Yiba nekhredithi encinci
Ndingayithenga indlu ngaphandle kokhuseleko loluntu? Eyona nto ibaluleke kakhulu kukuba uya kuyidinga imbali yamatyala . Oku kubonisa ababolekisi ngendlela ozijonga ngayo iimali zakho. Ngaphandle kwenombolo yokhuseleko kwezentlalo, oku kunokuba ngathi akunakwenzeka. Nangona kunjalo, kukho iindlela ezijikelezileyo. Ngokwesiqhelo, abaphambukeli abane I-ITIN banokufumana i- ikhadi lamatyala elikhuselekileyo .
Olu hlobo lwekhadi letyala line- idipozithi yokhuseleko efakwe kuyo. Idipozithi yokhuseleko ilingana netyala lakho. Masithi ufake i-500 yeedola, emva koko unemali engama-500 eedola. Ukuba awuhlangabezani netyala, inkampani yekhadi letyala iya kusebenzisa imali kwidiphozithi ukuhlawula iakhawunti yakho.
Nje ukuba umisele imbali ngekhadi letyala eligcinwe kwiinyanga ezi-6 ukuya kwezi-12 Unokufaka isicelo kwikhadi elinye okanye amabini amakhadi etyala. Ikhadi lekhredithi elingakhuselekanga alinayo idiphozithi yokhuseleko. Unikwe umgca wekhredithi onokuwusebenzisa. Emva koko kuya kufuneka wenze ubuncinci iintlawulo zenyanga ngenyanga. Ewe kusebenza kakuhle xa uhlawula ngaphezulu kweyona ntlawulo iphantsi, nokuba uhlawule ityala liphelele. Ukusetyenziswa rhoqo kwekhadi lakho letyala kuya kukunceda wakhe ikhredithi.
Enye indlela onokuthenga ngayo ngetyala iyafumaneka
Ukongeza kumakhadi etyala akhuselweyo nakhuselekileyo, ungabonisa enye imbali yamatyala. Nawuphi na umrhumo ohlawula rhoqo kwaye ongawuxeliyo amaziko agcina inkcazelo ngeentengo zemboleko unokubalwa njengelinye ityala.
Olunye ukhetho olwahlukileyo lokuthenga ngetyala yirenti, ukufundisa, kunye neentlawulo zeinshurensi. Ukuba uhlawula izixhobo zakho okanye nawaphina amatyala rhoqo ngenyanga, banokubala nabo. Ukuze umbolekisi amisele imbali ngetyala ngezi akhawunti, baya kudinga ubungqina bokuhlawulwa kwakho kwangexesha.
Ungabonisa ababolekisi iitsheki zakho ezirhoxisiweyo zenyanga nenyanga, kunye nezitetimenti zebhanki ezibonisa ukukhutshwa kwemali. Kuyanceda nangakumbi ukuba unobungqina obuvela kumboneleli ukuba uhlawula amatyala akho ngexesha. Umnini-mhlaba ungagcwalisa ifom yokuQinisekisa iRhafu kwaye inkampani yakho yeinshurensi, inkampani eluncedo okanye isikolo singabhala ileta ebonisa ukuba uyawahlawula amatyala akho ngexesha okanye hayi. Ngokwesiqhelo, imbali yeenyanga ezili-12-24 iya kwanela.
Yenza intlawulo enkulu ezantsi
Ababolekisi bafuna ukubona ukuba unayo imali yakho oyityalileyo endlwini. Awuyi kuba nakho ukufumana iipesenti ezi-3 zokuhlawula ezantsi ezifunyanwa ngababoleki ngenombolo yokhuseleko lwentlalo. Ngokwesiqhelo, uya kudinga ubuncinci i-20% yokuhlawula, kodwa intlawulo ephezulu kakhulu iya kwandisa amathuba akho okuvunywa.
Uya kudinga ukubanakho ukuqiniseka ukuba ivelaphi imali yakho yokuhlawula. Oku kuthetha ukuba kuya kufuneka ubonise ubuncinci iinyanga ezimbini ezidlulileyo zeengxelo zebhanki. Nangona kunjalo, abanye ababolekisi banokufuna ukuya kuthi ga kwiinyanga ezili-12 zeengxelo zebhanki ukuqinisekisa ukuba imali oyisebenzisela intlawulo engezantsi ayisiyo mboleko kwaye yeyakho imali oyigcinele intlawulo ephantsi.
Yiba nokubhukisha
Ababolekisi abaninzi bafuna ukuba ube noovimba ezandleni. Le yimali onayo kwiakhawunti yebhanki yase-US enokuhlawula iindleko zobambiso. Ifana nengxowa-mali engxamisekileyo ukuba ngaba umvuzo wakho uyaphela kwaye awukwazi ukuhlawula imali mboleko.
Ababolekisi balinganisa oovimba bakho ngokuxhomekeke kwinani leentlawulo zemali mboleko abazihlawulayo. Ukuba intlawulo yakho yobambiso iyi- $ 2,000 kwaye une- $ 20,000 egciniweyo, uneenyanga ezili-10 zokugcina. Ukuhlawulwa kwemali mboleko engaphezulu onokuyigubungela ngoovimba bakho, kokukhona amathuba akho ebolekisiwe evunyiwe.
Unembali efanelekileyo yengqesho
Okokugqibela, ababolekisi bafuna ukwazi ukuba unomsebenzi ozinzileyo. Isizathu sokuba ufuna ukuhlala eUnited States, kodwa kufuneka ubonakalise. Ngaphandle kwengqesho ezinzileyo, ababolekisi banokubona njengomngcipheko omkhulu wokungagqibeki. Ukuba eli ayililo ilizwe lakho kwaye ungena engxakini yemali, kunokuba lula ukuhamba kude nekhaya.
Ngomsebenzi ozinzileyo, unesizathu sokuhlala apha. Ikwabonisa ababolekisi ukuba unengeniso ethembekileyo yokukunceda wenze iintlawulo zakho zobambiso. Ngokwesiqhelo, imbali yeminyaka emi-2 kunye nomqeshi ofanayo ilungele imvume yakho yemali mboleko yekhaya.
Ukongeza kwimbali yakho yengqesho, nangona kunjalo, kuya kufuneka ubonise ukuba unekamva kulo mqeshi. Ngamanye amagama, umbolekisi wakho kufuneka akwazi ukuthetha ngaphandle kwamathandabuzo ukuba uza kuqeshwa kwakwindawo enye kwikamva elibonakalayo. Ukuba unekhontrakthi ephela kungekudala, umzekelo, ayibobungqina bokuqeshwa okuzinzileyo.
Unokufumana imali mboleko ngaphandle kwenombolo yokhuseleko lwentlalo okoko nje unezinto ezifanelekileyo. Ukufumana umbolekisi kunokuba nzima ngakumbi kunokuba ubunenombolo yokhuseleko lwentlalo, kodwa kukho ababolekisi. Qhubeka ujonge ude ufumane umbolekisi owamkela i-ITIN yakho kwaye akunike amaxabiso amahle kunye nemigaqo kwimali mboleko.
Ngaba abantu abaneenombolo ze-ITIN banokuthenga izindlu eMelika?
Ewe. Ngaphandle kwento osenokuba uyivile, abantu abangenayo inombolo yokhuseleko kwezentlalo banokuba ngabanini bamakhaya. Kuya kufuneka basebenzise i-ITIN yabo kuphela (iNombolo yokuZazisa yoMhlawuli werhafu) ukufaka isicelo sekhaya. Eli nani liyangqina ukuba ngelixa ungenayo inombolo yokhuseleko lwentlalo, usazalisekisa uxanduva lwakho kwilizwe ukuhlawula irhafu.
Kuba oku sele kukubeka kudidi lwabantu abanoxanduva abanobudlelwane obucacileyo eMelika, unokufumana ngokulula imboleko yemali mboleko evunywe ngumbolekisi. Ingxaki kuphela apha kukuba kungafuneka ushiye ngasemva iibhanki zemveli kwaye uye kufuna ababolekisi babucala.
Iibhanki zemveli ziyathandabuza ngakumbi ukukuxhasa, ngakumbi kuba zingqongqo xa kufikwa kumaxwebhu. Nangona kunjalo, xa usiya kumbolekisi wabucala ukuze ufumane imali-mboleko yobuqu, unokufumana eyona ilunge kakhulu ngokwemigaqo nemiqathango.
Izizathu ezi-3 zokuba kutheni abantu abaneenombolo ze-ITIN befanele ukuthenga izindlu
Ukuba ngumninikhaya luhlobo lokuhamba lwabantu abaninzi, kwaye yinto esiphupha ngayo sonke. Ewe ukurenta kunokuba lula kakhulu, ngakumbi xa ungenayo imali. Nangona kunjalo, kukho izizathu ezininzi zokuba kutheni ungafuna ukuba ngumninikhaya.
Yimali elungileyo
Ngokungafaniyo nezithuthi okanye ezinye izinto ezithenge ukuphulukana nexabiso ngokuhamba kwexesha, ixabiso lekhaya liyonyuka kwaye lixabise ekuhambeni kwexesha. Ewe intengiso nganye iyakuba neyantlukwano, kodwa kuthathelwa ingqalelo ukuba amaxabiso ezindlu enyuka minyaka le, nakumaxesha okudodobala koqoqosho, ngokuqinisekileyo lutyalomali olulungileyo.
Izibonelelo zezemali
Urhulumente wobumbano unomdla kakhulu ekukhuthazeni ubunini bekhaya, njengoko ikwakhuthaza ukukhula koqoqosho. Ngenxa yoko, ibonelela ngenkuthazo yerhafu kubanini bamakhaya; Eyona nto ibaluleke kakhulu kukukhetha ukutsala inzala kwintlawulo yakho yobambiso kwirhafu yakho yengeniso. Oku kuyinyani ngakumbi ekuqaleni kobambiso, apho uninzi lwentlawulo lwenziwa khona ngenzala.
Zinzisa iindleko zakho zezindlu
Xa urenta, akukho siqinisekiso sokuba irente iya kuhlala injalo ngokuhamba kwexesha. Ungarenta indawo ngoku, kwaye kwisithuba seminyaka emi-3, umnini-mhlaba uza kukuxelela ukuba ixabiso lokurenta lenyukile - yithathe okanye uyishiye. Awunalo nofifi lokuba uza kuhlawula malini kwixesha elizayo.
Nangona kunjalo, ngokuba ngumninikhaya, ikhaya liya kuba lelakho, kwaye into ekufuneka uyenzile kukuhlawula ityala lobambiso kwibango. Ewe kuya kufuneka uhlawule malunga neminyaka engama-30 kuloo mboleko yobambiso, kodwa ubuncinci uyazi ukuba akukho mntu uya kukugxotha kwaye amaxabiso awazukunyuka ngequbuliso.
Uyithenga njani indlu ngenombolo ye-ITIN
Uyithenga njani indlu ngaphandle kwenombolo yokhuseleko kwezentlalo kunye nenombolo yakho ye-ITIN? Ewe, le nkqubo kufanele ukuba icace gca. Nantsi inyathelo ngenyathelo lenkqubo ukuba uyenze:
Faka isicelo senombolo ye-ITIN
Ukuba awunayo inombolo ye-ITIN okwangoku, into yokuqala yokwenza kukufaka isicelo sayo. Yiya kwiwebhusayithi ye-IRS kwaye ugcwalise isicelo abasenze sanikezelwa apho.
Yenza imbali yamatyala
Ukuze ufumane imali-mboleko, kuya kufuneka uphinde uqokelele imbali yamatyala usebenzisa inombolo ye-ITIN oyinikiweyo. Qala kancinci. Faka isicelo sekhadi letyala, a imali mboleko yemoto okanye naluphi na olunye ukhetho lwetyala. Yisebenzise amaxesha ngamaxesha ukwenza ubudlelwane obufanelekileyo nebhanki. Ayingabo bonke ababolekisi abaya kusebenzisa imbali yakho yamatyala ukumisela ukuba awuyukufumana mali mboleko, kodwa iya kunceda.
Yenza irekhodi lokuhlawula irente
Abakho baninzi abantu abayaziyo le nto, kodwa ababolekisi abaninzi bajonge iirekhodi zakho zokuhlawula ngaphambi kokuba bakunike imali mboleko. Kuyacaca ukuba: ukuba ungayihlawula irenti iminyaka emibini ubuncinci ngokulandelelana, maninzi amathuba okuba ubuye ufumane imali-mboleko.
Yakha imbali yengqesho efanelekileyo
Ukuba umboleki-mali ubona ukuba uhlala efuna ukudilizwa kwakanye kwiinyanga ezimbalwa, basenokungavumi ukukunika imali mboleko esekwe kwinombolo yakho ye-ITIN. Nangona kunjalo, ukuba bayakubona uzinzile kwaye uya kuhlawula amatyala akho, emva koko kukho amathuba aphezulu okuba uza kuyifumana imali mboleko.
Khangela ababolekisi
Konke kubonakala kumnandi kwaye kulula, kodwa kusekho ingxaki yokufumana umbolekisi obonelela ngemboleko mali esekwe kumanani e-ITIN. Yenza uphando. Tsalela umnxeba kwibhanki yakho, okanye nangayiphi na enye indlela onokuyifumana. Unokuba nembali yekhredithi ye-stellar, kodwa ukuba awufumani mali-mboleko, iya kuba lilize yonke.
Fumana kwangaphambili
Nje ukuba ufumane umbolekisi, into elandelayo ekufuneka uyenzile yile fumana imvume kwangaphambili ye mboleko yomntu enokugubungela ityala lakho lobambiso. Nikezela ngamaxwebhu ayimfuneko kwaye wakuba uvunyiwe kwangaphambili ungaya kwinqanaba elilandelayo nelokugqibela.
Khangela indlu
Unokuvunywa kwangaphambili, ke ngeli xesha, konke ekufuneka ukwenzile kukukhangela ikhaya olifunayo. Ngoku ukuba uvunyiwe kwangaphambili kwimali mboleko, uyazi ngokuthe ngqo ukuba leliphi na inani labakaki onokuhamba ngalo. Nje ukuba uyifumene, fumana imali mboleko kwaye uthenge ikhaya lakho lamaphupha.
I-ITIN imali mboleko yekhaya
Ngaba ujonge umntu oza kukunika imali mboleko ngokusekwe kwinombolo yakho ye-ITIN? Sinciphise ezinye iindlela:
Iimfuneko
Iimfuno ziya kuxhomekeka kumbolekisi. Umzekelo, abanye banokukucela ukuba uze nobungqina babaxhomekeke kuwe kunye namaxwebhu aqhelekileyo kwaye ufumane i-ITIN esekwe kwifom yakho ye-W-7. Uya kucelwa ukuba ubonelele ngamanye amaxwebhu anikezelwe yi-IRS.
FNBA
Ngokufuna i Intlawulo yokuqala Ubuncinci be Shumi elinantlanu% Kwaye malunga nemali mboleko yeminyaka eli-15 ukuya kwengama-30, i-FNBA lukhetho olufanelekileyo ukuba ufuna imboleko mali ye-ITIN. Kwaye, ufumana ukusondela ngokukhawuleza kwaye wamkele uninzi lweentlobo zeepropathi.
Ubambiso lwemanyano
Ngobuncinci bentlawulo ye-10%, le nkampani ibonelela ngeemali-mboleko ze-ITIN ukusuka kwi-5.375% ukuya kwi-8.750%. Nangona kunjalo, konke kuxhomekeke kwixabiso lemali mboleko, ke thetha kumbolekisi.
Inkulumbuso 1 Bancorp
Xa ungathandabuzeki, abaninimzi abaninzi baya kwiNkulumbuso 1. Ungacela i-20% yentlawulo, kodwa ikwanamaxabiso amahle.
I-ACC yoBambiso
Ngokufuna intlawulo ephantsi ye-15%, le ifanelekile kubemi bamanye amazwe abangakwaziyo ukunika ubungqina bokwenene bengeniso. Ewe unokucelwa ubungqina malunga nembali yakho yamatyala, kodwa zonke iimfuno zisekwe kumntu ngamnye.
Yiya eAlterra
Ngobuncinci be-15% yokuhlawula, ufumana i-30 yeminyaka emiselweyo, kunye nembuyekezo yerhafu yonyaka omnye. Yeyona ndlela ilula kakhulu kwabo bafuna ukuthenga ikhaya ngaphandle kwenombolo yokhuseleko kwezentlalo.
Uyisebenzisa kanjani imali-mboleko yobuqu wentlawulo esezantsi ekhayeni
Ukufumana imali-mboleko yobuqu nge-Stilt kufanele kube yinkqubo elula, kuba kukho amanyathelo amathathu kuphela abandakanyekayo:
- Faka isicelo semali mboleko: unikezele ngamaxwebhu ayimfuneko ukuze ufumane imvume kwangaphambili. Kwimeko apho kufuneka amaxwebhu amaninzi, uya kuqhagamshelana nawe.
- Fumana isithembiso: a Nje ukuba amaxwebhu akho aqwalaselwe, uyakufumana isibonelelo semali mboleko. Uya kusisebenzisa eso sixa ukukhangela izindlu kuhlahlo-lwabiwo mali.
- Qalisa ukwenza iintlawulo: Ngoku uyigqibile imali mboleko kwaye uthenge ikhaya, lixesha lokuba wenze iintlawulo zenyanga ngenyanga ngamaxesha ebekugqitywe ngawo.
isiphelo
Nokuba awunayo inombolo yokhuseleko lwentlalo, oku akuthethi ukuba awunakuba ngumninikhaya. Yonke into oyifunayo yinombolo yakho ye-ITIN, amanqaku amanqaku amahle ngetyala, kunye nomnqweno wokwenza iintlawulo zakho ngexesha. Ngethuba nje usenza uphando lwakho ngokufanelekileyo, akufuneki kubekho ngxaki ekufumaneni umbolekisi oza kuvuma imali mboleko yakho.
Iziqulatho
- Yiba nekhredithi encinci
- Enye indlela onokuthenga ngayo ngetyala iyafumaneka
- Yenza intlawulo enkulu ezantsi
- Yiba nokubhukisha
- Unembali efanelekileyo yengqesho
- Ngaba abantu abaneenombolo ze-ITIN banokuthenga izindlu eMelika?
- Izizathu ezi-3 zokuba kutheni abantu abaneenombolo ze-ITIN befanele ukuthenga izindlu
- Yimali elungileyo
- Izibonelelo zezemali
- Zinzisa iindleko zakho zezindlu
- Uyithenga njani indlu ngenombolo ye-ITIN
- Faka isicelo senombolo ye-ITIN
- Yenza imbali yamatyala
- Yenza irekhodi lokuhlawula irente
- Yakha imbali yengqesho efanelekileyo
- Khangela ababolekisi
- Fumana kwangaphambili
- Khangela indlu
- I-ITIN imali mboleko yekhaya
- Iimfuneko
- FNBA
- Ubambiso lwemanyano
- Inkulumbuso 1 Bancorp
- I-ACC yoBambiso
- Yiya eAlterra
- Uyisebenzisa kanjani imali-mboleko yobuqu wentlawulo esezantsi ekhayeni
- isiphelo