Muverengi anobvunza kuti: "Ndine pamba yega yega inokosha kune iyo yakasara yebhadharo yemari yekubhadhara mari yangu." Anokweretesa wangu anondibvumira kuti ndigone kutsvaga kupfuura zvinodarika mari yakatarwa. Ndinoziva kuti mitero yemitero inobvumira ini kuti ndive nekutora chikwereti kana chikwereti chekubhadhara chikwereti chero bedzi chiri chechiyero chakafanana seyero iripo. Asi sei kuregererwa kwemutero kunoregererwa kune chikwereti chekubhadhara mari? "
Mhinduro: NaJulian Block , Gweta
Kana zvikwereti zvinoderera, mamiriyoni edzimba, saiwo, anofudza kune vanokweretesa kunatsiridza zvikwereti zvavo. Usati wasvetuka mukati mekutora chikwereti , iwe wakachenjera kuti uzvizive nemitemo yakashata yemitero pane izvo kana kuti zvisingabvumi zvekutora chikwereti. Heano zvimwe zviyeuchidzo nezvekuti mitemo inoshanda sei kune chikwereti chekugadzirisa:
Mortgage Refinancing Mitemo Yekubhadhara Mitero
Vangave vakakwereta vane kodzero yokubvisa chikwereti pane mari yakawandisa inobva mukushandisa kwavanoita mari kubva kune chikwereti chekugadzirisa uye chikamu chemari yacho. Apo vanokwereta vanoshandisa mari yacho kudarika mari yakatarwa yekutenga kutenga, kuvaka kana kunyanya kugadzirisa nzvimbo dzekugara dzinoshandiswa, dzinoreva dzimba dzegore rose, kana dzimba dzechipiri dzakadai sekudzoka kwezororo, kufara kwavo kunowanikwa pasi pemitemo yekubhadhara chikwereti chemusha. Mitemo iyoyo inovabvumira kubvisa chido chose kana nguva yakawanda pamwe chete nedzimwe mimwe chikwereti chekuwana mari isingadariki $ 1 000 000, ichikwira ku $ 500 000 kune vakaroorana vanyorera kudzoka kwakasiyana.
Apo vanokwereta vanoshandisa zvinodarika kune zvimwe zvinangwa, imwe mitezo yemitemo inorambidza kubhadhara kubhadhara kwechido kune "zvikwereti zvevatengi." Izvi zvinosanganisira zvikwereti zvekadhi rechikwereti, zvikwereti zvemotokari, mari yezvokurapa nezvimwe zvikwereti zvemunhu zvakadai sekupfuura kwehurumende uye mutero wemari inowanikwa. Iko kune, asi, zvishoma zvisingabatsiri kune chido pamusoro pezvikwereti zvevadzidzi, mumwe weavo "kumusoro-the-line" kuregererwa kusvika kune yakagadziriswa mari yakawandisa, muyero uri pamagumo ekutanga peji yefomu 1040.
Kusiyaniswa neMitemo yeMariji Refinancing Mitero Yokubvisa
Asi vakawanda vanokwereta vanogona kukanganisa mitemo iyi pamabhadharo evanhu vanofarira, nekuda kwemitemo yemari yekubhadhara chikwereti . Mitemo iyoyo inovabvumira kubvisa chikwereti chose chero bedzi iyo mari inopfuura yeiyo iripo yekutengesa pamwe nemamwe ose emari chikwereti chekodzero haisi kudarika $ 100,000, ichiderera kusvika $ 50,000 kune vakaroorana vanopinda maitiro akasiyana. Hazvina mutsauko iyo vatokwere vanoshandisa sei mari.
Kana kubhadhara mari yechikwereti kune chikamu chekubhadhara chikwereti kumusha uye chikamu chemari yekubhadhara chikwereti, kune chikamu chakakwana che $ 1,100,000, $ 1 000 000 yemari yekuwana chikwereti uye $ 100 000 yemari chikwereti chekuwana, kukwira madhora 550 000 kune vakaroora vakaroorana vari voga.
Apo zvikwereti zvinopfuura kudarika kwe $ 1 000 000 kuti zvikweretwe zvekuwana pamba uye $ 100,000 pamusha wemari chikwereti, iyo yakawanda yakawanda inorongwa sehuwandu hwevanhu vanofarira. Izvo zvinoregererwa zvachose zvinotarisirwa kunze kwekuti zvikwereti zvinowanikwa kune zvebhizimisi kana zvinangwa zvekutsvaga.
Mortgage Refinancing Mitero Yekubhadhara Mutero kune Vabhadhari Vanoteerera AMT
Asi chimwe chidziro chinoshandiswa kune nhamba inoramba ichiwedzera yevakweretwa vakaremerwa ne AMT (alternative minimum tax).
I AMT inobvumira kutengesa kwekutora chikwereti pamari yekuwana mari yekuwana mari kusvika kusvika $ 1,000,000. Asi AMT inorambidza kusarirwa chero kupi zvako kwechido chekubhadhara chikwereti chemari pamhuri yekutanga kana yechipiri, kunze kwekuti mari inowanikwa mari inoshandiswa kutenga, kuvaka, kana kugadzirisa zvikuru dzimba; Chimwe chikonzero nei zviziviso zvekukweretesa kwemusha zvakakwana zvinowanzopedza mubvunzo unotambudza wekubhadhara mutero.
Julian Block muteresi wemutero muLarchmont, NY.
Panguva yekunyora, Elizabeth Weintraub, CalBRE # 00697006, ndiye Broker-Associate kuLyon Real Estate muSacramento, California.