Kusiyana nekukwereta kweimba, iyo inobhadharwa zvisati zvaitika, kutora chikwereti chinowanikwa mubhadharo. Mari yekubhadhara inoguma kana iwe uchiita mari yekubhadhara chikwereti musi waApril 1, somuenzaniso, sezvo ichibhadhara chido chemwedzi waMarch.
Kwete Kuda
Imari inobhadharwa kubva kune yekutanga kusvika kumagumo emwedzi, mumatambudziko akawanda anowanzoitika. Dzimwe nguva, kana iwe ukafamba mumusha vhiki yekupedzisira yemwedzi, mutariri wepfuma angakwezva rendi kusvika kunekutanga wegore, uye anounganidza mwedzi mumwechete pamwe nechinangwa chechido chevhiki iyoyo, asi inogara ichibhadharwa mberi. Sezvo vasingatendi muridzi wekubhadharira. Ichi ndicho chikonzero dzimwe nguva mabhanki anoonekwa sevamwe kuvimba, kunyange zvazvo vasiri. Nokuti kufarira kune chikwereti kunobhadharwa mubhadharo kune chikwereti.
Vanokwereta vanowanzobhadhara kufarira pavanotora chikwereti kuti vatenge imba kana kuti kugadzirisa chikwereti chiripo. Anokwereta kana mutengesi weimba itsva achabhadhara chikwereti kusvika pazuva iro mazuva makumi matatu kubva pakubhadhara mari yokutanga.
Zvinoreva kana iwe ukavhara mutengesi pane, uchiti, March 15th, yako yekutanga mari yekubhadhara ichave yakakodzera musi waMay 1. Inogona kuonekwa seaaa, April isununguka, asi haisi.
Izvi ndezvokuti mari yeMay ichabhadhara chido chaApril. Zvisinei, mari inokodzera nguva pakati paMarch 15 neChitatu 31 ichabhadharwa nemunhu anenge akwereta paanovhara. Chikamu ichocho chinonzi kuda kufanirwa kubhadharwa.
Kana chikwereti ichibhadhara muna May, kana chikwereti chikafanira kutanga musi waMay, chikwereti chichabhadharwa kusvika musi wekutanga waMay, uye chikamu chikuru chichaderedzwa kubva pachikwereti chisina kubhadharwa chikwereti, zvichiita kuti musha usina kubhadharwa kuenzanisa kwakanaka kusvika paMay 1 (nekuda kwezvinangwa).
Muenzaniso
Kuenzanisira, ngatitaurire chikwereti chepakutanga chisina kubhadharwa chikwereti chemari yekutenga chikwereti chikwereti chemadhora mazana maviri nemazana maviri, zvichibereka chido pa5% pagore, neine chikwereti chikuru uye chikwereti che $ 1,703.64. Mushure mokubhadhara mari kwemwedzi gumi nemana, chikwereti chisina kubhadharwa ikozvino $ 197,300.83. Iwe unopa mubhadharo weDecember 1 musi waDecember 1 we $ 1,073.64. Kana iwe ukatora chikwereti chakasati chabhadharwa chikwereti cha $ 197,300.83 x 5% uye ugoverana nemwedzi gumi nemaviri, uchawana mutsva mushando wegore negore we $ 822.09.
Sezvo nguva ichienderera mberi, muridzi wemba anoripa chikamu chikuru chebhadharo kumusoro wepamusoro mwedzi woga woga pane kutarisira. Kubhadhara kukuru kune zvikamu zvinokura, uye chikwereti chekubhadhara chikamu chinoderera. Iye zvino, kana iwe uchibvisa mutsva mushandi wegore negore we $ 822.09 kubva paPI kubhadhara $ 1,073.64, mugove wako mutsva wehurukuro yakabhadharwa kune chikamu ndiwo musiyano pakati pezviwero zviviri, kana $ 251.56.
Iye zvino, iwe unotora chikwereti chakasabhadharwa kubva munaNovember ye $ 197,300.83 uye uchibvisa chikamu chikuru cheDecember, uye yako itsva yakasabhadharwa chikwereti kusvika kuna Dheuteronomio 1 is 197,049.27.
Ngatiti mushure mekunge maita mutengo wako weDecember 1; iwe unosarudza kuti yava nguva yekufamba uye kutengesa imba yako nokuti kamwe kamwe kunokera mukuonga kweunharaunda yako kusingatarisiri kunoita kuti imba yako iwane $ 300,000.
Hei, iwe unogona kurota, zvakarurama? Pamusoro pokutengesa, bhagheni inoda kubhadhara mari inowedzera kubhadhara kusvikira musi wekugamuchira mari. Izvi zvinoreva kuti iwe unokwereta $ 197,049.27 uye kufarira zuva rimwe nerimwe $ 27.37 kubhangi, kusvikira zuva rokupedzisira apo bhangi inogamuchira mari.
Kuti udzorezve, kufarira kubhadharwa kunobhadharwa paunotangira chikwereti chako kusvika pakubhadhara kokutanga zuva rakakodzera, uye kumwe kufarira kunobhadharwa kana chikwereti chako chabhadhara, kusvikira pazuva raakweretwa chikwereti.
Panguva yekunyora, Elizabeth Weintraub, CalBRE # 00697006, ndiye Broker-Associate kuLyon Real Estate muSacramento, California.