Zvimwe zvinhu zvakakosha zviripo kune vatengi venguva yokutanga
Zvinoshamisa kuti mutengesi wekutanga-mumba haatauri zvaunofunga. Iwe unogona kuwira pasi peshoko iri kunyange kana iyi imba yekutenga isiri yako yekutanga. Izvi zvakakura sevanhu vazhinji vane makore makumi mashanu uye vane makore makumi maviri nemashanu muhupenyu hwavo.
Uye iyo tsanangudzo inogona kusiyanana zvichienderana nehurongwa hupi hunoshanda kune.
Ndiani Anonyatsokodzera se "First-Time" Home Buyer?
Nokuda kwechikonzero chekuregererwa kweIRA kuregererwa, hezvino iyo IRS inotsanangura mutengi wokutanga mumba (mu IRS bhuku 590):
"Kana iwe usiri iwe unofarira muimba huru mukati memakore maviri ekupera kwezuva rokuwana imba iyo kugoverwa kuri kushandiswa kutenga, kuvaka, kana kuvakazve. Kana iwe wakaroorana, wako wako anofanira kusangana zvakare ichi hachisi-chido chinodiwa. "
Mumutauro wakareruka, haugone kuva nemusha wemakore maviri isati yava pamba yauri kutenga ikozvino.
Kana iwe ukasangana netsanangudzo iyi, zvino nokuda kwemari inoshandiswa kutenga imba inogona kukwira kusvika ku $ 10 000 kubva kuIRA yako kunyange iwe usati wava nemakore 59 1/2-uye haufaniri kubhadhara kutanga kweRARA kuregera chirango mutero . Iwe uchave uchiripo, zvakadaro, iwe unobhadhara mutero wemari pamusana pokusiya.
Mortgage Programs for 'First-Time' Home Owners
Kune mapurogiramu ekubhadhara mari, tsanangudzo yekutengesa imba yekutanga nguva nenguva inowanzoshandurwa kureva mumwe munhu asina imba ine makore matatu adarika.
Special special-time buyer mortgage programs inopa mazano kune avo vakadaro.
Uchishandisa zvikwereti izvi zvaunosarudza iwe unogona kutenga imba ine zvishoma se 3 muzana pasi. Izvi zvinogona kuva zvakanaka kune vamwe, asi iyo yakakosha yekukweretesa chikwama chekwereti inogona kuuya nemigodhi , saka shanda nemunhu anotengesa mari kuti aongorore nzira dzako dzose dzekubhadhara mari.
Kana iwe uine chikwereti chakanaka, chikwereti chinowanzoitirwa mari panzvimbo purogiramu yekutanga yekutenga chinogona kuwedzera kunzwisisa.
Credits Credits for First-Time Buyers
Munguva yeRecent Recession, hurumende yaida kukurudzira kumba kutenga basa, saka Congress yakagamuchira mari inokosha yekwereti yekwereti: yekutanga kugadzirisa musha chikwereti (FTHBC). Iyi chikwereti chekwereti hachiwanikwi, uye vamwe vanhu vakashandisa vangave vachida kubhadhara. Mhedziso shomanana yekutanga-nguva mutengi chikwereti chemitemo chiri pasi apa.
Mukutanga-nguva mutengi chikwereti chemisha yakatengwa muna 2008. Vanhu vakagamuchira FTHBC chikwereti muna 2008 vanofanirwa kutora chikamu mu "nguva yekudzoka" kuburikidza nekudzorera chikwereti makore gumi nematanhatu pa 6 2/3% pagore. Saka, kana chikwereti chikuru che $ 7,500 chakatorwa, ipapo $ 500 yaizofanirwa gore negore kwemakore gumi nemashanu. Kana iwe uchitengesa imba yacho, ipapo zvose zvese zvinokweretwa chikwereti zvingave zvakakodzera pamushumo wegore iroro wemutero.
Imba yako inomira kuva imba yako huru mumamiriro anotevera:
- Iwe unotengesa imba.
- Iwe unotumira imba kune mumwe wako kana waimbova naye muwanano yekurambana.
- Imba yacho inoshandurwa kubhadhara kana bhizinesi pfuma, kana kuti yezororo kana yechipiri pamba.
- Iwe hausi kurarama mumusha kune huwandu hweusiku hweusiku mugore.
- Imba inoparadzwa kana kutongerwa.
- Imba iri kurasikirwa mukutangira.
- Iwe unofa.
Chikwereti chemisha yakatengwa muna 2009 kana muna 2010. Kwevatengi vekumba vakatora chikwereti muna 2009 kana 2010, mitemo yakashanduka zvikuru. Chaizvoizvo, IRS haina kuronga kuti vanhu vashandise dzimba uye kuchengetedza chikwereti. Izvo zvikwereti mari yakawanda yakawedzera kusvika ku $ 8,000 nokuda kwevatengi vekutanga, uye chikamu chekubhadhara chakabviswa zvichienderana nezvimwe zvinoda. Nemhaka yokuti mwedzi inopfuura 36 yakapfuura kubvira pakabhadhara chikwereti ichi, zvinodiwa zvekubhadhara hazvibatsiri panguva ino kana imba yacho ichiri uye ichiri nzvimbo yako yekugara. Kana iwe ukashandura imba yacho kuti ive nzvimbo yebhadharo kana bhizimisi, zvisinei, IRS inotaurira kuti iwe unofanira kudzorera mari yakazara uye uzadze Fomu 5405 sechibatanidziro chako che federal tax return yegore chakashandurwa.