Me pehea te kii i to motuka hou kaore he taake
Tuhinga
Ina hoko koe i tetahi motuka hou, ka utua e koe te nuinga o to hoko. Tokoiti ka taea te utu i te moni katoa ki mua. Ki te kore e taea e koe te whiwhi i te reiti huamoni 0% mo te taurewa motuka, ko to tikanga utu ka…
Ina hoko koe i tetahi motuka hou, ka utua e koe te nuinga o to hoko. Tokoiti ka taea te utu i te moni katoa ki mua. Ki te kore e taea e koe te whiwhi moni huamoni 0% i runga i te taurewa motokoto, ka uru ki to utu utu te huamoni i runga i te moni matua o te nama.
Ko nga tikanga putea ka whakawhirinaki ki to ahuatanga putea whaiaro. Mena kei a koe he nama pai, ko te tikanga ka tika koe ki nga reiti huamoni iti rawa atu. Mena he kino to nama, kare pea koe e uru ki te nama motika, me utu ranei koe i nga reiti huamoni nui. Mena he iti noa to wheako nama, kare pea koe e kaha ki te whiwhi putea motika, me utu ranei koe i nga reiti huamoni nui.
I nga ahuatanga katoa, ka hiahia koe ki te penapena moni ka taea. Ahakoa kaore to motuka whaiaro e tango i te taake, he huarahi ki te kii i te moni tarewa motika hei whakapaunga kore taake.
Ahakoa he nama pai koe, he nama kino, he kore nama ranei, mena kei a koe te tika i roto i to whare, ka taea e koe te huri i te huamoni ka utua e koe i runga i to taurewa motuka hei whakapaunga kore taake.
Wāhanga 1 o te 3: Tikina he nama nama nama
Ka whakamahia e te raina moni nama whare, e mohiotia ana ko HELOC, te tika kei roto i to whare hei puna nama ki te nama mai i to kaituku moni.
Hipanga 1: Whakatauhia te whakapaipai e waatea ana. Ko te nui o to moni kaainga i roto i to kaainga ko te nui o te utu o to kaainga i te maakete whare o naianei, haunga te nama mo te rawa.
Ko te tikanga, ka utua e HELOC tae noa ki te 80% o te uara o to kainga, haunga te nama mo te rawa.
Hei tauira, ki te $200,000 te waari o to whare i te maakete o naianei, a, e $120,000 te nama mo te mokete, he $80,000 te utu mo to whare. Mena ka utua e to kaituku moni te 80% o te uara o to kaainga, ko te $160,00040,000, ko to moni HELOC e waatea ana ko te $80XNUMX, koinei te rereketanga i waenga i nga nama me te XNUMX% o te uara maakete o to rawa.
Hipanga 2: Whakaarohia nga whiringa me to kaituku moni. Matapakihia me to kaituku moni nga whiringa kei a koe mo te raina nama nama.
Ina whiwhi koe i te rarangi nama, ka taea e koe te timata i te mahi hoko motoka me te moni taake kore utu.
Wāhanga 2 o te 3: Hokona he motika me te nama moni nama
Hipanga 1: Whakaoti he kirimana hoko. Tuhia he kirimana hoko me tetahi kaihoko motuka kia taea ai te hoko i te motuka e hiahiatia ana.
Ka utua katoatia te moni hoko ki te whakamahi koe i te raina tika o te nama, na reira ka nui ake to waahi ki te whiriwhiringa me te kaihoko ki te whiwhi i te utu pai.
- Nga MahiA: Ki te kore koe e whakamahi i nga whiringa putea a nga kaihoko, he maha nga wa e tika ana koe mo nga moni whakahoki moni mo etahi mano taara, ina koa ka tata koe ki te mutunga o te tau tauira. Whakamahia nga utu putea hei whakaheke ake i to utu hoko.
Hipanga 2: Whakamahia to HELOC hei utu. Whakaotia te hoko me te utu mai i to HELOC.
Whiwhi he haki, haki peeke ranei mo te nui o te hoko mai i to kaituku moni mo te moni katoa o te hoko. Ka taea e koe te kii i te huamoni i runga i te moni i utua mai i to HELOC.
- Ko te āraiA: Mēnā kei te whakamahi koe i tētahi rārangi moni nama mo te kaainga ki te hoko waka, me mohio koe ko to kainga te tino taonga mo te taurewa, kaua ko te motuka. Ki te kore koe e utu i runga i to nama nama, ka murua pea to whare e to umanga putea.
Wāhanga 3 o te 3: Kereme huamoni mo to waka ki te taake moni whiwhi
Hipanga 1: Whakatauhia te huamoni kua utua ki to HELOC mo te tau.. Taapirihia nga utu huamoni kua tuhia ki o ripoata marama kia whiwhi ai koe i te tapeke mo te tau.
Ka taea hoki e koe te whakapā atu ki to umanga putea mo te whakarāpopototanga o te kaute.
Hipanga 2: Whakakiia te tuhinga taake. Whakaotia te Puka 1040 Apiti A mo to whakahoki taake moni whiwhi.
Ko te Tutohi A te puka e tuhi ai koe i o tangohanga mo te tau. Whakakiia te moni huamoni mai i to HELOC i te rarangi 10 o te puka.
Mena ka hiahia koe ki te whakauru i etahi atu moni i runga i te rarangi 10, Moni Moni me nga Puka 1098 Piro, taapirihia. Me tuku e to peeke he Puka 1098 ki te IRS mo te huamoni kua riro mai i runga i to mokete, na kia mohio kei te tika o nama.
- Ko te āraiA: Ko nga koretake o nga korero ka taea te whakaroa i te tukatuka i to whakahoki taake me nga whiunga mo te tuku i te whakahoki taake tinihanga.
Hipanga 3: Tukuna to whakahoki taake ki te IRS, tae atu ki te Whakaaturanga A.. Ka hiahia pea koe ki te tuku tuhinga tautoko mo nga utu huamoni mena ka hiahiatia e te IRS.
I mua i te hoko motokā ma te whakamahi i te rarangi nama Home Equity ki te kii i te huamoni hei tango taake, tirohia me to kaikaute, tohunga taake ranei kia kite mena he ture tenei mo to ahuatanga me te tono ki tetahi o nga tohunga whaimana a AvtoTachki ki te mahi i te tirotiro tuatahi. – te tirotiro i te hoko kia mohio kei te pai te ahua o te motuka.
