Kunyada Kuve
Kuzvikudza kwehuyo ndiyo chikonzero chimwe chikonzero nei vanhu vachida kuva nemba yavo. Zvinoreva kuti unogona kupora masvingo chero mararamiro aunodikanwa, shandisa ivhu pane CD yako, ita zvigadziro zvekugara nekugadzirisa imba yako maererano nekunaka kwako. Imba pamba inopa iwe nemhuri yako pfungwa yekudzikama uye kuchengeteka. Zviri kuita kuti iwe uwane mari mune ramangwana rako.
Kuonga
Kunze kwekuzvikudza kwehuyo, zvakakosha kuziva chimwe chibatsiro. Chokutanga, dzimba inotama inotenderera, dzimwe nguva kumusoro, dzimwe nguva pasi, kunyange zvakadaro mumakore, dzimba dzakagara dzichikoshesa. Ihofisi yeFederal Housing Enterprise Oversight inotarisa kufamba kwemhuri imwe chete yemhuri mumba mairi. Its House Price Index inoputsa kuchinja kwenharaunda uye mutaundi. Vanhu vazhinji vanoona dzimba dzavo dzekutsvaga sevakadzivirirwa pakurwisana nehupfumi.
Mortgage Interest Deductions
Pamba pamba musha wemutero wepamusoro uye mitero yedu yemitero inotendera varidzi veimba.
Dzimwe nguva kubhadhara chikwereti chinogona kuvhara chido chekuzvikudza kwehuyowo. Chero bedzi kutora chikwereti chako chiri chiduku kudarika mutengo weimba yako, kutora chikwereti kunowanikwa zvakakwana pamutero wako wekudzokera . Kufarira ndicho chikamu chikuru chekubhadhara mari yako .
Imitero yeMitoro Inobviswa
IRS Publication 530 ine mukana wekutengesa kune vekutanga vatengesi vemusha.
Imba yemitengo yemitero yakabhadharwa yeimba yekutanga uye imba yezororo inodzingwa zvakakwana pamitero yekubhadhara . MuCalifornia, chirevo cheChirongwa 13 muna 1978 chakagadzirisa chiyero chekuongororwa kwekugadziriswa kwepfuma mushure mekugadziriswa kwemaoko uye kushandiswa kwemutero kunowedzera kusvika 2 kubva pagore kana kuyerwa kwekuwedzera kwezvinhu , chero zvishoma.
Capital Gain Exclusion
Chero bedzi wakagara mumba mako kwemakore maviri apfuura, iwe unogona kusarudzira kusvika $ 250,000 kune mumwe munhu kana $ 500,000 kune vakaroorana vaviri vanobatsirwa kubva mune mari inowanikwa. Iwe haufaniri kutenga musha wakashandura kana kutamira kumusoro. Icho hachina kuvharirwa kwezera, uye "mutemo wepamusoro-55" haubatanidzwi. Iwe unogona kubvisa zvibvumirano zviri pamusoro apa kubva pamitero mwedzi yese nemwedzi makumi maviri nemana, izvo zvinoreva iwe unogona kutengesa makore ose maviri uye muhomwe yako purogiramu-pasi pekuregererwa-kusina mutero.
Prefertial Tax Treatment
Kana iwe uchiwana mari yakawanda kupfuura iyo inobvumirwa kusachengetwa pamba pako, iyo purogiramu inogona kuonekwa semari inoshandiswa chero bedzi iwe uine imba yako kwegore rinopfuura rimwe. Imari yepamusoro inowana zvakanakisisa mutero. Izvi zvinoreva kunyange kana bindu rako richipfuura kubviswa, chikamu chinotengesa chichava chiduku kudarika iwe unogona kufungidzira.
Kuchengetwa Kwematokari Kunogadzira Equity
Mwedzi woga woga, chikamu chako chekubhadhara pamwedzi chinoshandiswa kune chikwereti chikuru chemari yako, iyo inoderedza zvaunosungirwa. Nzira iyo kubvisa matanho kunoshanda, chikamu chikuru chebhadharo yako huru uye inobatsira inowedzera zvishoma mwedzi woga woga. Iyo yakaderera pamutengo wako wokutanga uye yakakwirira pamutengo wako wokupedzisira. Paavhareji, mari imwe neimwe ye $ 100 000 yemari inotora chikwereti ichaderedzwa muchiyero chegore rokutanga inenge madhora mazana mashanu muhurukuro, ichiunza mararamiro acho pamagumo emwedzi 12 yekutanga kune $ 99,500.
Equity Loans
Vashandi vane zvikwereti zvekadhi rechikwereti havagoni kubvisa chikwereti chavakabhadhara, icho chinogona kutenga mari ye18 kusvika 22 muzana. Mari yekutora chikwereti inowanzowedzera uye inodonhwa. Kune vazhinji vadzidzisi vemisha , zvinonzwisisika kubhadhara rudzi rwechikwereti ichi nemari yekukweretwa kwemusha .
Vashandi vanogona kukwereta kururamisa kwemusha nekuda kwezvikonzero zvakadai sekuvandudza kwemba, koreji, kurapwa kana kutanga bhizimisi idzva. Mimwe mitemo yehurumende inogadzirisa pamba mari yakakwana.
Panguva yekunyora, Elizabeth Weintraub, CalBRE # 00697006, ndiye Broker-Associate kuLyon Real Estate kuSacramento, California .