Kungenzeka ukuthenga ikhaya e-United States ngaphandle kwenombolo yokuphepha komphakathi (SSN). Lokhu kungabonakala kungenakwenzeka, njengoba i-SSN isetshenziselwa ukusungula i- umlando wesikweletu (kubalulekile lapho uthola imali ebanjiswayo). Kodwa-ke, abokufika ngaphandle kwe-SSN bangasebenzisa Inombolo ( I-ITIN ) Ukuhlonza Komkhokhintela Ngamunye ukuthola ikhadi isikweletu esivikelekile , bese usebenzisa ikhadi ukwakha umlando omuhle wesikweletu .
Kungenzeka futhi ukuthi uvivinye ukufaneleka kwesikweletu ngokukhombisa ukuthi izikweletu zikhokhwa ngesikhathi. Ababolekisi futhi bathanda ukubona ukuthi unezinqolobane ezinkulu ku-akhawunti yasebhange yase-U.S, kanye nomlando we ukuqashwa okuzinzile . Ekugcineni, umthengi wekhaya ongenayo inombolo yokuphepha kwezenhlalakahle kungadingeka anikeze inani elikhulu lemali ukukhokhelwa phansi kwendlu, kepha usazokwazi ukuyithenga.
Amaphuzu abalulekile okufanele uwagcine engqondweni:
- Uma othile engenayo inombolo yokuphepha komphakathi, inombolo kamazisi yomkhokhintela ngamunye ingasiza ukuthenga ikhaya uma kuhlangatshezwana nezinye izidingo.
- Ukufakazela ukuthi ungalithola ikhadi lesikweletu futhi wenze izinkokhelo zanyanga zonke ngesikhathi kubalulekile ukuthi ekugcineni ube nomuzi ngaphandle kwenombolo yokuphepha komphakathi.
- Ukukwazi ukukhokha imali engama-20% noma ngaphezulu kuyisinyathelo esihle ekuboniseni amabhange ukuthi uyakwazi ukuphatha ukuthenga ikhaya.
- Kungaba lula kunokucabanga kwakho ukuhlala lapha e-US Esikhundleni senombolo yokuphepha komphakathi, uzodinga i-ITIN, Inombolo Yomazisi Yomkhokhi Oyedwa.
Uma une-ITIN futhi uhlangabezana nezidingo ezibalwe ngezansi, ungahle ube usendleleni yokuthola imali mboleko yakho yendlu evunyelwe ngaphandle kwe-SSN.
Yiba nesikweletu esincane
Ngingayithenga indlu ngaphandle kwezokuphepha komphakathi? Into ebaluleke kakhulu ukuthi uzodinga umlando wesikweletu . Lokhu kukhombisa ababolekisi ukuthi uzisebenzisa kanjani izimali zakho. Ngaphandle kwenombolo yokuphepha komphakathi, lokhu kungabonakala kungenakwenzeka. Noma kunjalo, kunezindlela ezizungezile. Imvamisa, abokufika abane- I-ITIN bangathola i- ikhadi lesikweletu eliphephile .
Lolu hlobo lwekhadi lesikweletu line- idiphozi yokuphepha lokho kufakwa kuwo. Idiphozi yokuphepha ilingana nolayini wakho wesikweletu. Ake sithi ufaka u- $ 500, bese unemali engu- $ 500 yesikweletu. Uma ungahlangabezani nesikweletu, inkampani yekhadi lesikweletu izosebenzisa imali ediphozithi ukukhokha isikweletu sakho.
Lapho ususungule umlando ngekhadi lesikweletu elivikeleke izinyanga eziyisithupha kuya kwezi-12 , ungafaka isicelo sekhadi lesikweletu elilodwa noma amabili. Ikhadi lesikweletu elingavikelekile alinayo idiphozi yokuphepha. Unikezwe umugqa wesikweletu ongawusebenzisa. Ngemuva kwalokho kufanele wenze okungenani imali ekhokhwa nyangazonke ngesikhathi. Vele, kusebenza kahle kakhulu uma ukhokha ngaphezulu kokukhokha okuncane, noma ukhokha isikweletu ngokuphelele. Ukusetshenziswa njalo kwekhadi lakho lesikweletu kuzokusiza ukuthi wakhe isikweletu.
Ezinye izindlela zokuthenga ngesikweletu ziyatholakala
Ngokungeziwe kumakhadi wesikweletu aphephile futhi angavikelekile, ungakhombisa omunye umlando wesikweletu. Noma yimuphi umthethosivivinywa owukhokha njalo futhi ongawubiki kuma-credit bureau ungabalwa njengenye imali yesikweletu.
Izinketho ezivame kakhulu zokuthenga ngesikweletu ukuqasha, ukufundela kanye nezinkokhelo zomshuwalense. Uma ukhokha izinsiza zakho noma enye imali njalo ngenyanga, nazo zingabala. Ukuze umbolekisi asungule umlando wesikweletu nalawa ma-akhawunti, bazodinga ubufakazi bokukhokha kwakho okufika ngesikhathi.
Ungakhombisa ababolekisi amasheke akho akhanseliwe wezinkokhelo inyanga ngayinye, kanye nezitatimende zakho zasebhange ezibonisa ukuhoxiswa kwemali. Kuyasiza kakhulu uma unobufakazi obuvela kumhlinzeki ukuthi ukhokha izikweletu zakho ngesikhathi. Umnikazi wendawo okuyo ungagcwalisa ifomu Lokuqinisekisa Ukuqasha bese inkampani yakho yomshuwalense, inkampani esetshenziswayo noma isikole singabhala incwadi ekhombisa ukuthi uzikhokhela izikweletu zakho ngesikhathi noma cha. Imvamisa, umlando wezinyanga eziyi-12-24 uzokwanela.
Yenza inkokhelo enkulu phansi
Ababolekisi bafuna ukubona ukuthi unemali yakho oyitshalile endlini. Ngeke ukwazi ukuthola ama-3% wezinhlelo zokukhokha eziphansi ezitholwa ababoleki abanenombolo yokuphepha komphakathi. Imvamisa, uzodinga okungenani ukukhokha okuphansi okungama-20%, kepha ukukhokha okuphansi kakhulu kuzokwandisa amathuba akho okuvunywa.
Uzodinga ukwazi ukuqinisekisa ukuthi izimali zakho zokukhokha phansi zavelaphi. Lokhu kusho ukuthi kuzofanele ukhombise okungenani izinyanga ezimbili zokugcina zezitatimende zasebhange. Kodwa-ke, abanye ababolekisi bangadinga kuze kufike ezinyangeni eziyi-12 zezitatimende zasebhange ukuqinisekisa ukuthi imali oyisebenzisela ukukhokha phansi akuyona imali mboleko futhi yimali yakho oyilondolozele ukukhokhela phansi.
Yiba nokubhuka
Iningi lababolekisi lifuna nokuthi ube nezimali ezibekiwe ezandleni zakho. Le yimali onayo kwi-akhawunti yasebhange yase-US engakwazi ukukhokhela izindleko zempahla ebanjiswayo. Kufana nesikhwama esiphuthumayo uma kwenzeka umholo wakho uphela futhi ungakwazi ukukhokha imali ebanjisiwe.
Ababolekisi balinganisa izinqolobane zakho ngokuya ngenani lokukhokhelwa kwempahla ebanjwayo. Uma inkokhelo yakho yemali mboleko ingu- $ 2,000 futhi unemali engu- $ 20,000 oyigcinile, unezinyanga eziyishumi zokulondolozwa. Uma ukhokha imali ethe xaxa yemali mboleko ongayimboza ngezinqolobane zakho, aba ngcono amathuba akho okwenza ukuthi imali yakho mboleko ivunyelwe.
Yiba nomlando wokuqashwa ohloniphekile
Ekugcineni, ababolekisi bafuna ukwazi ukuthi unomsebenzi ozinzile. Kungenzeka ukuthi yisizathu sokuthi ufuna ukuhlala e-United States, kepha udinga ukukufakazela. Ngaphandle kokuqashwa okuzinzile, ababolekisi bangakubona njengengozi enkulu yokwehluleka ukukhokha. Uma leli kungelilo izwe lakini futhi unenkinga yezezimali, kungaba lula ukusuka ekhaya.
Ngomsebenzi ozinzile, unesizathu sokuhlala lapha. Iphinde ikhombise ababolekisi ukuthi unemali engenayo ethembekile ukukusiza wenze ukukhokha kwakho kwempahla ebanjiswayo. Imvamisa, umlando weminyaka emibili nomqashi ofanayo ulungele imvume yakho yemalimboleko yendlu.
Ngaphezu komlando wakho wokuqashwa, kuzodingeka ukhombise ukuthi unekusasa kulo mqashi. Ngamanye amagama, umbolekisi wakho kufanele akwazi ukusho ngaphandle kokungabaza ukuthi uzoqashwa endaweni efanayo ngekusasa elibonakalayo. Uma unenkontileka ephela maduzane, isibonelo, lokho akubona ubufakazi bokuqashwa okuzinzile.
Ungathola imali mboleko ngaphandle kwenombolo yokuphepha komphakathi inqobo nje uma unezici ezifanelekayo. Ukuthola umbolekisi kungaba nzima kakhulu kunokuba ngabe ubunenombolo yokuphepha komphakathi, kepha kukhona ababolekisi. Qhubeka ubheke kuze kube yilapho uthola umbolekisi owamukela i-ITIN yakho futhi akunikeze amanani amahle nemibandela emalimboleko.
Ngabe abantu abanezinombolo ze-ITIN bangathenga izindlu e-US?
Yebo. Ngaphandle kokuzwile, abantu abangenayo inombolo yokuphepha komphakathi bangaba ngabanini bemizi. Kuzofanele basebenzise i-ITIN yabo kuphela (Inombolo Yomazisi Yomkhokhi Wentela) ukufaka isicelo sekhaya. Le nombolo ifakazela ukuthi ngenkathi ungenayo inombolo yokuphepha komphakathi, usagcwalisa isibopho sakho ohlangothini lwezwe lokukhokha intela yakho.
Njengoba lokhu sekuvele kukufaka esigabeni sabantu abanokwethenjelwa abanobudlelwano obucacile ne-United States, ungathola kalula imalimboleko yempahla evunyelwe ngumbolekisi. Inkinga kuphela lapha ukuthi kungadingeka ukuthi ushiye amabhange wendabuko ngemuva bese ufuna ababolekisi abazimele.
Amabhange wendabuko anqikaza kakhulu ukukuxhasa, ikakhulukazi ngoba aqinile uma kukhulunywa ngemibhalo. Kodwa-ke, lapho uya kumbolekisi wangasese ukuze ubolekise imali yakho, ungathola leyo evumelana kakhulu ngokwemigomo nemibandela.
Izizathu ezi-3 zokuthi kungani abantu abanezinombolo ze-ITIN kufanele bathenge izindlu
Ukuba ngumninikhaya kuyinkambiso yabantu abaningi, futhi yinto sonke esiyiphuphayo. Vele, ukuqasha kungaba lula kakhulu, ikakhulukazi uma ungenayo imali. Kodwa-ke, kunezizathu eziningana zokuthi kungani ungafuna ukuba ngumninikhaya.
Kuyinto utshalomali omuhle
Ngokungafani nezimoto noma okunye ukuthenga okuvame ukulahlekelwa inani ngokuhamba kwesikhathi, inani lekhaya lizokhula kuphela futhi livame ukwazisa ngokuhamba kwesikhathi. Vele, imakethe ngayinye izoba nokwahlukanisa kwayo, kepha uma kubhekwa ukuthi amanani ezindlu akhuphuka minyaka yonke, noma ngezikhathi zokwehla kwamandla emali, ngokuqinisekile kuwukutshalwa kwemali okuhle.
Izinzuzo zezimali
Uhulumeni wesifundazwe unesithakazelo esikhulu ekukhuthazeni ubunikazi bezindlu, njengoba futhi kukhuthaza ukukhula komnotho. Ngenxa yalokhu, inikeza izikhuthazi zentela kubaninikhaya; okubaluleke kakhulu inketho yokudonsa inzalo ekukhokhelweni kwakho kwempahla ebuyiswayo yakho yentela. Lokhu kuyiqiniso ikakhulukazi ekuqaleni kwesibambiso, lapho izinkokhelo eziningi zenziwa ngenzalo.
Qinisa izindleko zakho zezindlu
Uma uqasha, asikho isiqinisekiso sokuthi intela izohlala injalo ngokuhamba kwesikhathi. Ungaqasha indawo manje, futhi cishe eminyakeni emithathu, umninindlu okutshela ukuthi intengo yokuqasha ikhuphukile - yithathe noma uyiyeke. Awazi ukuthi kuzodingeka ukhokhe malini esikhathini esizayo.
Kodwa-ke, ngokuba ngumninikhaya, ikhaya lizoba elakho, futhi konke okuzodingeka ukwenze ukukhokha isikweletu sendlu oyifunayo. Vele, kuzodingeka ukhokhe cishe iminyaka engama-30 ngaleyo mboleko, kepha okungenani uyazi ukuthi akekho ozokuxosha nokuthi amanani ngeke enyuke ngokuzumayo.
Uyithenga kanjani indlu enenombolo ye-ITIN
Manje ulithenga kanjani ikhaya elingenayo inombolo yokuphepha komphakathi kanye nenombolo yakho ye-ITIN? Yebo, inqubo kufanele iqonde ngqo. Nansi inqubo yesinyathelo ngesinyathelo ongayenza:
Faka isicelo senombolo ye-ITIN
Uma ungenayo inombolo ye-ITIN okwamanje, into yokuqala okufanele uyenze ukuyifaka isicelo sayo. Iya kuwebhusayithi ye-IRS bese ugcwalisa uhlelo abalunikeze lapho.
Dala umlando wesikweletu
Ukuze uthole imali mboleko, kuzodingeka futhi ukuthi uqoqe umlando wesikweletu usebenzisa inombolo ye-ITIN oyinikeziwe. Qala kancane. Faka isicelo sekhadi lesikweletu, a imalimboleko yemoto noma enye indlela ongakhetha ngayo ngesikweletu. Yisebenzise ngezikhathi ezithile ukwakha ubudlelwano obufanele nebhange. Akubona bonke ababolekisi abazosebenzisa umlando wakho wesikweletu ukunquma ukuthi bangayithola yini imalimboleko noma cha, kepha kuzosiza.
Dala irekhodi lokukhokha intela
Ababaningi abantu abazi ngalokhu, kepha ababolekisi abaningi babheka amarekhodi akho okukhokha okuqashwayo ngaphambi kokuba bakunikeze imali mboleko. Kunengqondo: uma ungakhokha irenti yakho okungenani iminyaka emibili ilandelana, maningi amathuba okuthi nawe uthole imali mboleko.
Yakha umlando ofanele wokuqashwa
Uma umbolekisi ebona ukuthi ujwayele ukudilizwa kanye njalo ezinyangeni ezimbalwa, kungenzeka bangazimisele ukukunikeza imali mboleko ngokuya ngenombolo yakho ye-ITIN. Kodwa-ke, uma bekubona uzinzile futhi kungenzeka ukhokhe izikweletu zakho, khona-ke kunamathuba amaningi okuthi ungasithola ngempela isikweletu.
Funa ababolekisi
Konke kubukeka kukuhle futhi kulula, kepha kusese nenkinga yokuthola umbolekisi ohlinzeka ngemali mboleko ngokususelwa ezinombolweni ze-ITIN. Yenza ucwaningo. Shayela ibhange lakho lasendaweni, noma enye indlela ongayithola. Ungaba nomlando wesikweletu se-stellar, kepha uma ungatholi umbolekisi, konke lokho kuzoba yize.
Thola ukuvunywa kwangaphambili
Lapho usuthole umbolekisi, into elandelayo ozodinga ukuyenza thola ukuvunywa kwangaphambili Okwe imalimboleko yomuntu siqu engakwazi ukumboza imali yakho obambisa ngayo. Nikeza ngemibhalo edingekayo futhi uma usuvunyiwe ngaphambilini ungadlulela esinyathelweni esilandelayo nesokugcina.
Bheka indlu
Unokuvunywa kwangaphambili, ngakho-ke kuleli phuzu, konke okumele ukwenze ukucinga ikhaya olifunayo. Manje njengoba uvunyelwe kusengaphambili ngemalimboleko, wazi kahle ukuthi ungabhekela malini. Uma usuyitholile, thola imali mboleko bese uthenga iphupho lakho ekhaya.
I-ITIN imali mboleko yezindlu
Ufuna umuntu ozokunikeza imalimboleko ngokuya ngenombolo yakho ye-ITIN? Sinciphise ezinye izinketho:
Izidingo
Izidingo zizoya kumbolekisi. Isibonelo, abanye bangakucela ukuthi ulethe ubufakazi bokuncika kanye nemibhalo ejwayelekile bese uthola i-ITIN ngokuya ngefomu lakho le-W-7. Uzocelwa futhi ukuthi unikeze eminye imibhalo enikezwe yi-IRS.
FNBA
Ngokudinga i- inkokhelo yokuqala ubuncane be ishumi nanhlanu% Futhi ngemigomo yemalimboleko yeminyaka eyi-15 kuya kwengama-30, i-FNBA iyindlela enhle uma ufuna imalimboleko ye-ITIN. Futhi, uthola ukuvalwa okusheshayo futhi wamukela izinhlobo eziningi zempahla futhi.
Ubambiso olubumbene
Ngokukhokhwa okungenani okungaphansi kwe-10%, le nkampani inikezela ngemalimboleko ye-ITIN kusuka ku-5.375% kuya ku-8.750%. Kodwa-ke, konke kuya ngenani lemalimboleko, ngakho-ke khuluma nombolekisi.
UNdunankulu 1 Bancorp
Uma ungabaza, abaninikhaya abaningi baya kuNdunankulu 1. Ungacela inkokhelo ephansi engama-20%, kodwa futhi inamanani amahle.
I-ACC Mortgage
Ngokudinga ukukhokhelwa phansi okungu-15%, lena iphelele kubantu bakwamanye amazwe abangakwazi ukunikeza ubufakazi bangempela bemali engenayo. Vele, ungacelwa ubufakazi mayelana nomlando wakho wesikweletu, kepha zonke izidingo zisekelwe kumuntu ngamunye.
Iya e-Alterra
Ngokukhokha okuphansi okungu-15%, uthola isilinganiso esinqunyelwe seminyaka engama-30, kanye nezimbuyiselo zentela zonyaka owodwa. Kuyindlela elula kakhulu kulabo abafuna ukuthenga indlu ngaphandle kwenombolo yokuphepha komphakathi.
Ungayisebenzisa kanjani imalimboleko yomuntu siqu ukukhokhela phansi ekhaya
Ukuthola imalimboleko yomuntu siqu nge-Stilt kufanele kube inqubo elula, njengoba kunezinyathelo ezintathu kuphela ezithintekayo:
- Faka isicelo semalimboleko: nikeza ngemibhalo edingekayo ukuthola ukuvunywa kwangaphambili. Uma kwenzeka kudingeka imibhalo eminingi, kuzothintwa wena.
- Thola okunikezwayo: a Ngemuva kokuthi imibhalo yakho ibuyekeziwe, uzothola isithembiso semalimboleko. Uzosebenzisa leso samba ukucinga izindlu ezisesabelomali.
- Qala ukwenza izinkokhelo: Manje njengoba usuqede imalimboleko futhi uthenge ikhaya, sekuyisikhathi sokukhokha njalo ngenyanga ngezikhathi ezinqunyiwe.
isiphetho
Noma ungenayo inombolo yokuphepha kwezenhlalo, lokhu akusho ukuthi awukwazi ukuba ngumninikhaya. Konke okudingayo inombolo yakho ye-ITIN, amaphuzu amahle wesikweletu, kanye nesifiso sokwenza izinkokhelo zakho ngesikhathi. Inqobo nje uma wenza ucwaningo lwakho ngokufanele, akufanele kube nenkinga ekutholeni umbolekisi ozovuma imali mboleko yakho.
Okuqukethwe
- Yiba nesikweletu esincane
- Ezinye izindlela zokuthenga ngesikweletu ziyatholakala
- Yenza inkokhelo enkulu phansi
- Yiba nokubhuka
- Yiba nomlando wokuqashwa ohloniphekile
- Ngabe abantu abanezinombolo ze-ITIN bangathenga izindlu e-US?
- Izizathu ezi-3 zokuthi kungani abantu abanezinombolo ze-ITIN kufanele bathenge izindlu
- Kuyinto utshalomali omuhle
- Izinzuzo zezimali
- Qinisa izindleko zakho zezindlu
- Uyithenga kanjani indlu enenombolo ye-ITIN
- Faka isicelo senombolo ye-ITIN
- Dala umlando wesikweletu
- Dala irekhodi lokukhokha intela
- Yakha umlando ofanele wokuqashwa
- Funa ababolekisi
- Thola ukuvunywa kwangaphambili
- Bheka indlu
- I-ITIN imali mboleko yezindlu
- Izidingo
- FNBA
- Ubambiso olubumbene
- UNdunankulu 1 Bancorp
- I-ACC Mortgage
- Iya e-Alterra
- Ungayisebenzisa kanjani imalimboleko yomuntu siqu ukukhokhela phansi ekhaya
- isiphetho