Thenga indlu nge-itin. I-ITIN imali mboleko yezindlu inika abokufika ithuba lokuba ngabanini bamakhaya. Akudingeki ubuzwe noma inombolo yokuphepha komphakathi. Ukufaka isicelo semalimboleko I-ITIN , ungakwenza lokho usebenzisa inombolo yakho ye-ITIN (inombolo kamazisi yomuntu ngamunye).
Izidingo zemalimboleko ye-ITIN
Izidingo eziqondile zemalimboleko zizoxhomeka kumbolekisi. Kufanele ulindele ukuthi okulandelayo kuzodingeka kunoma yimuphi umbolekisi we-ITIN wempahla:
- Isikweletu - Cabanga ngohlobo lwemalimboleko ye-ITIN, kunezidingo eziguqukayo zesikweletu. Ababolekisi abaningi bazocabanga ukusebenzisa ezinye izindlela zamadokhumende wesikweletu, njengezinsizakalo nezindleko zocingo.
- UJobe - Uzodinga ukunikeza ubufakazi beminyaka emi-2 yokuqashwa okungaguquguquki.
- Ukubuyiselwa kwentela - Umbolekisi wakho uzofuna ukubona iminyaka emibili yokugcina yentela (W-2 noma 1099).
- Inkokhelo yokuqala - Lindela ukuthi kufanele unikeze okungenani ukukhokha okungu-10%. Imfuneko ephansi yokukhokha izoncika kumbolekisi.
- Umazisi - Ikhophi yekhadi lakho le-ITIN, kanye nelayisense lokushayela noma ipasipoti cishe kuzodingeka kunoma yimuphi umbolekisi.
- Izitatimende ze-akhawunti - Lindela ukuhlinzeka ngezitatimende zebhange ezi-2-6. Inani eliqondile lezitatimende zasebhange ozodinga ukulihlinzeka lizoya ngombolekisi othile ofaka isicelo naye.
Ababolekisi Bempahla Ephezulu be-ITIN
Amabhange amakhulu amukela i-itin ukuthenga indlu, Yimaphi amabhange enza imalimboleko yempahla ebanjiswayo nge-itin. Naba ababolekisi ababambisanayo bempahla ebambekayo ye-ITIN:
FNBA - I-First National Bank of America inohlelo lwe-ITIN olutholakala kuzo zonke izifunda ezingama-50. Inkokhelo ephansi edingekayo kuhlelo lwakho lwe-ITIN ingama-20%.
Imali Ebolekwayo Ehlangene - I-United Mortgage Corporation of America inikeza uhlelo lwe-ITIN oluvumela kufika kuma-80% LTV okokuqala ngqa abathengi ekhaya. Banikela ngemalimboleko ye-ITIN kulezi zifundazwe ezilandelayo: CA, CO, TX ne WA.
I-ACC Mortgage : I-ACC Mortgage inikeza umkhiqizo wemalimboleko we-ITIN, kepha amanani abo ngokuvamile awaqhudelani. Badinga ukukhokha okuphansi okungama-20% (okunganikezwa). Banikela ngezimali kuphela ku: AZ, CA, CO, CT, DC, DE, FL, GA, IL, MD, NV, NJ, NC, PA, SC, TX, VA ne-WA.
Iya ku-Alterra : IGo Alterra inikezela ngemalimboleko ye-ITIN ngokukhokha okungama-20% kwabafakizicelo abafanelekile. Banikela ngemalimboleko ye-ITIN ku: AL, AZ, CA, CO, CT, DC, FL, GA, IL, IN, IA, KS, MD, MN, NE, NV, NH, NJ, NM, NC, OK, OR, I-PA, RI, SC, TN, TX, VA ne-WA.
Izinzuzo nezingozi zemalimboleko ye-ITIN
Ngezansi kukhona ezinye izinzuzo nezinkinga zesikweletu se-ITIN. Ungahle uthande ukubhekisisa kahle ukuthi lolu hlobo lohlelo lukufanele yini.
Inzuzo:
- Kutholakala kwabangewona izakhamizi.
- Ukuphepha komphakathi akudingeki. Yipasipoti kuphela, ilayisense yokushayela noma olunye uhlobo lokuhlonza.
- Izidingo eziguqukayo zesikweletu zikuvumela ukuthi usebenzise imithombo engeyona eyejwayelekile yesikweletu.
Okubi:
- Amanani ngokuvamile aphezulu kunalawo emalimboleko ejwayelekile.
- Kudingeka ukukhokha okukhulu kakhulu (iningi lababolekisi bezindlu ze-ITIN lizodinga inkokhelo ephansi eyi-10-30%)
Ezimweni eziningi, imalimboleko ye-ITIN iyefana nezinye izimalimboleko ezijwayelekile zasekhaya. Umehluko obalulekile kuphela yilowo ochazwe ngenhla. Uma ufaneleka, ungenza imali ekhokhwayo edingekayo futhi ungakhokha kahle imali ekhokhwa ngempahla ebanjiswayo, imalimboleko ye-ITIN ingaba yindlela yakho engcono kakhulu (futhi kuphela) yokubambisa.
Imibuzo ejwayelekile
Yiziphi izinhlobo zezakhiwo ezifanele lezi zimali mboleko?
Izimalimboleko ze-ITIN zingasetshenziswa emakhaya omndeni owodwa, ama-condos, naku-PUDS.
Ngabe imalimboleko ye-ITIN ingasetshenziselwa impahla yotshalo-mali?
Cha, imalimboleko ye-ITIN ingasetshenziselwa kuphela indlu ephethwe ngumnikazi (indawo yokuhlala eyinhloko).
Ingabe imali mboleko ye-ITIN iyatholakala nge-FHA?
Cha, i-FHA ayinikeli ngohlelo lwe-ITIN.
Ingabe kukhona umthetho ophikisana nokukhishwa kwempahla kubabolekisi ngaphandle kwe-SSN?
Ayikho imithetho evimbela ukubolekwa kwezindlu okunikezwa kwabangewona izakhamizi. Ukuphela kokuthi ababolekisi abaningi banokukhetha ukunikela kuphela kubabolekisi ngenombolo yokuphepha komphakathi. Ngokwengeziwe, noFannie Mae, uFreddie Mac, noma i-FHA abagunyazi lezi zinhlobo zemalimboleko, okudala ubunzima obuhlobene nemakethe yesibambiso sesibili. Ngakho-ke, yizinhlobo ezihlukile kuphela zababolekisi, okungukuthi ababolekisi bephothifoliyo abanikela ngalezi zinhlobo zemalimboleko.
Ungayithola kanjani imali mboleko yendlu enenombolo kamazisi yentela (itin)
Ngokuphikisana nenkolelo evamile, kungenzeka ukuthi kutholakale imali ebanjiswayo ngaphandle kwenombolo yokuphepha komphakathi noma isimo esisemthethweni e-US Empeleni, i-US ingelinye lamazwe avumela abantu abangewona izakhamizi ukuthi bathole impahla.
Inqubo yokuthenga ekhaya inama-nuances amaningi, kepha kungenzeka. Sifuna ukukusiza ufeze amaphupho akho wokuba nomuzi. Qhubeka ufunde ukuze ufunde kabanzi ngokuthola imali engabanjiswa ekhaya ngenombolo yakho ye-ITIN.
Yini inombolo ye-ITIN?
Uma ungakaze uzwe ngaleli gama ngaphambili, kufanele wazi ukuthi inombolo ye-ITIN imele a inombolo kamazisi yomuntu ngamunye . Ngokuyisisekelo, kuyinombolo yentela enamadijithi ayisishiyagalolunye enikezwe abantu abangenawo umlando njengezakhamuzi. Izakhamizi ezisemthethweni zizofaka imininingwane yazo yentela nge-SNN (inombolo yokuphepha komphakathi) futhi ngeke zidinge inombolo ye-ITIN.
Kunezinyathelo eziningi ozodinga ukuzithatha ukuze uthole imali mboleko ne-ITIN yakho. Okokuqala, uma ukhokha intela njengomuntu ongeyona isakhamuzi futhi ungakwazi ukuthola i-SNN, ungahle ufaneleke ukuthola i-ITIN. Ama-ITIN awasuselwe esimweni sokuhlala, ngakho-ke akudingeki ukhathazeke ngokuba nempahla ngaphambi kokubolekwa kwemali.
Thola imali mboleko
Uma unentshisekelo yokufaka isicelo semalimboleko ye-ITIN, kuzodingeka ugcwalise amafomu amaningi. Ezinye zezindlela zifaka:
- Ubufakazi bemali eqhubekayo yemali engenayo
- Umlando wesikweletu
- Ukuqinisekiswa kwemali engenayo
Uzodinga ukukhombisa ubufakazi bokuthembeka kwezezimali ukukhombisa ukuthi uyakwazi ukugcina izinkokhelo zakho zemalimboleko. Izidingo zizohluka ngomhlinzeki wemalimboleko, ngakho-ke qiniseka ukuthi unake kakhulu lokho abakucelayo.
Mayelana nalokhu, uzodinga iziqu zezimali ezisasele ukuze uvikele ukuthenga kwakho kwekhaya. Isici esibucayi ekutheni izilinganiso zinqunywa kanjani umhlinzeki omkhethayo. Cishe bonke ababolekisi bazodinga imibhalo emikhulu ukuqinisekisa ukuthi uzokwazi ukubuyisa imali mboleko ngesikhathi.
Izinselelo ongahlangabezana nazo
Inselelo kubafakizicelo abaningi abanentshisekelo abakwazi ukunikeza amadokhumenti emiholo njengoba iningi labaqashi lingayithumeli leyo mininingwane. Uma isisebenzi sikhokhelwa ngokheshi, cishe akunakwenzeka ukuthola leyo mininingwane.
Okusho ukuthi uma ungumfiki nowe-ITIN e-US, kufanele ugcine imali eningi bese wethula amadokhumenti adingekayo, njengomlando wokukhokha kwemali engenayo, ukuze uthole imali mboleko. Amanani ezimalimboleko ze-ITIN angaphakama uma kuqhathaniswa namazinga ajwayelekile atholakala kwizimalimboleko ezijwayelekile ezihleliwe noma eziguqukayo.
Futhi qaphela ukuthi akubona bonke abantu abane-ITIN e-US abalapha ngokungekho emthethweni, abanye bokufika abangenayo i-SSN kungenzeka ukuthi bahlala ngokusemthethweni e-US Inqubo yalaba bantu izoba lula njengoba bathambekele ekubeni nemali engenayo kanye nesikweletu umlando.
Uhlu lokuhlola ngaphambi kokuthenga ikhaya
Kufanele wazi ukuthi izinkokhelo zokubolekwa kwemali mboleko ze-ITIN ziphakeme kunezinye izimali mboleko eziningi. Le mali imvamisa iba okungenani ama-20% wenani eliphelele lendlu. Futhi, uma umbolekisi esevele ethola imali evela kumthombo ongaphandle wokukhokha phansi, inani lokukhokha phansi lizokhuphuka. Noma kungazwakala kufanele, lokhu kwenzelwa ukuvikela obolekisayo uma kwenzeka lowo muntu edingiswa ngokuzayo.
Njengoba kushiwo ngenhla, uzodinga ukuba nenombolo ye-ITIN. Uma ungenayo vele, kufanele ufake isicelo senombolo ye-ITIN nge-IRS. Leli fomu le-W-7. Ukusuka lapha udinga ukuba nemibhalo yomlando wakho wesikweletu. Umlando wakho wesikweletu wakha ngokuhamba kwesikhathi ngokusebenzisa izinkokhelo zemalimboleko ezenzakalelayo, amakhadi wesikweletu, noma ezinye izinhlobo zesikweletu.
Kufanele futhi udale umlando ohambisanayo wokuqasha. Iningi lababolekisi be-ITIN liyajabula ukubona iminyaka emibili yemali ekhokhwayo yerenti ngoba kuzobasiza ukuthi banikeze eminye imibhalo yokuqinisekisa imalimboleko. Lokhu kuzosiza ukukhombisa ukuthi uzokwazi ukwenza izinkokhelo zokubambisa ngempahla esikhathini esizayo ngemininingwane edlule.
Umlando wokuqashwa nawo ubalulekile njengoba ubalulekile kunqubo. Umlando womsebenzi okungenani weminyaka emi-2 ngokuvamile uyisidingo esiphansi.
Ungayithenga kanjani indlu
Ngalesi sikhathi, kuzofanele uthole umhlinzeki wemalimboleko owemukela izinombolo ze-ITIN. Isinyathelo esilandelayo kungaba ukuthola ukuthi imali mboleko ivunyelwe ngaphambilini. Le nqubo ifaka phakathi umbolekisi oqoqa umlando wakho wesikweletu. Iningi lababolekisi lidinga umlando omkhulu wesikweletu, kepha abanye bangamukela izikweletu zokusetshenziswa kanye namarekhodi okuqasha. Lapho ukuvunywa kwangaphambi kokuvunyelwa kumbolekisi wakho kudlulile, ekugcineni ungaqala ukufuna ikhaya ofuna ukulilinganisa nesabelomali sakho sangaphambi kokuvunywa.
Okuqukethwe
- Izidingo zemalimboleko ye-ITIN
- Ababolekisi Bempahla Ephezulu be-ITIN
- Izinzuzo nezingozi zemalimboleko ye-ITIN
- Inzuzo:
- Okubi:
- Imibuzo ejwayelekile
- Ungayithola kanjani imali mboleko yendlu enenombolo kamazisi yentela (itin)
- Yini inombolo ye-ITIN?
- Thola imali mboleko
- Izinselelo ongahlangabezana nazo
- Uhlu lokuhlola ngaphambi kokuthenga ikhaya
- Ungayithenga kanjani indlu
- Isibonelo sokwenza ukunikezwa kwekhawunta yokuthenga ekhaya
- Imalimboleko yemali yamaSpanishi e-United States
- Izidingo Zokuthenga Ikhaya EFlorida
- Izidingo zokuthenga indlu eCalifornia
- Uhulumeni Usiza Ukuthenga Ikhaya Okokuqala
- Kwenzekani uma ngingakhokhi ikhadi lami lesikweletu?