Sangano rehurumende rekubhadhara mari rekubhadhara mari rekubhadhara mari rakagadziriswa kubva muna 1987 mukupa vashandi vashoma mari uye vane dzimba dzakanaka pairenda inodhura. Kana uri kutarisira imba pane imwe yemari yemari , pane zvimwe zvinhu zvaunofanira kuziva usati waita.
Heano mhinduro dzemibvunzo inowanzobvunzwa pamusoro pehurumende yepasi-pfuma yekubhadhara mari yechikwereti purogiramu.
Mubvunzo: Ndechipi purogiramu yekwereti yemitero?
A: Mutero wechikwereti wemitero, unozivikanwawo se "federal low-income housing tax program program" kana kuti LIHTC chete, inozivikanwa zvikuru yepamusoro padzimba yepamusoro inenge iripo kubva muna 1987. Kusiyana nehuwandu hwezvirongwa zvehurumende dzinotungamirirwa neHUD, mutero purogiramu yechikwereti inotungamirirwa ne IRS, mukubatana pamwe nehurumende dzehurumende dzehurumende munyika yese. Varidzi venyika vanoita basa muhurongwa vanotora kubhadhara mitero yemitero kwemakore gumi nemutero wekubhadhara mitero yavo mubhadharo yekubhadhara dzimwe dzimba dzavo kune vanoita mari yakaderera mubhadharo isina kukwana.
Mubvunzo: Ndinoenda kunotora chikwereti chemutero here?
A: Kwete. Purogiramu yechikwereti inowana zita rayo nokuti vatenzi vemiti inobatanidzwa vanogamuchira mari inokosha yemitero mukudzoka kwekuchengetedza zvivakwa zvavo zvinotengesa. Sezvo muridzi wemukana wechikwereti , kubatsirwa kwaunogamuchira kunouya nenzira yebhadharo inoregererwa, uchifunga kuti iwe unowana mari-yakakodzera.
Mubvunzo: Sechikamu chemari yemhuri, mari inopedzerwa here?
A: Kana iwe uine basa rekurega basa kana rimwe remakore, pane mukana wakazonaka unofanira kuverengwa neimwe nzira sechikamu chemari yako yemhuri. Kuti muridzi weimba anofanira kutarisa sei kubata chirwere chaunacho (kana kuti iwe ungagadzirisa mushure mekunge usayina chikwereti cheimba yakaderera mari pane imwe chikwereti chemutero) chinoenderana nokuti une kodzero yokubvisa chikamu che annuity uye kana uri kutogamuchira zvikwereti.
Kana iwe watototanga kubhadhara, muridzi weimba achada kubvunza wako mutengesi kana iwe une kodzero yekubvisa chikamu che annuity. Kana iwe uine kodzero iyi, saka muridzi weimba anofanira kutora annuity yako sechinhu.
Uyewo, kana watanga kutambira mari yekupa mari, iwe kazhinji haugone kuchinja kuhwanda yemari. Kana iwe uri mamiriro ako ezvinhu, saka iwe waunogara uchibhadhara uchatorerwa semari yako neimba yako.
Tarisira kuti mwene weimba yako aizoda kuongorora kana iwe une kodzero yekubvisa chikwereti (kunyange kana chirango ichiongororwa), chii chinoita kuti gore rinogona kutarisirwa kukura mugore rinotevera, chero kupi zvako kuzvipira kana kuti kubvisa chirango chekare , uye mubhadharo wekero uye mutero wekutero unogona kushanda kana iwe uchizobvisa chikamu chako che annuity.
Mubvunzo: Kuvimba kunofananidzwa sechikamu chemari yemhuri here?
A: Kutenda kunowanzoverengwa neimwe nzira sechikamu chemari yemhuri. Kuti muridzi wemba anofanirwa sei kugadzirisa nzira yekubata nayo chivimbo chaunacho (kana kuti iwe ungagadzirisa mushure mekunge usayina chibharo cheimba yakaderera mari pane imwe yekwereti yekwereti) inotarisa kana iwe unokwanisa kuwana mukuru wechikoro kana iyo mari inobva kubhuku.
Mubvunzo: Izvo zvinhu zvinonzi semari?
A: Kwete Ashera pachavo haasi kuverengwa semari inoshandiswa, kunyange zvakadaro chero mari yaunowana iyo inowanikwa inowanikwa inowanzoverengwa kana uchitarisa kuwana mari-kukodzera kweimba ... Read more
Mubvunzo: Ko vagari venyika vanovimbisa mari?
A: Hongu. Kana uri kufunga kuedza kubhadhara mari yakaderera pane imwe nzvimbo yekwereti yemutero, tarisira kuti muridzi weimba kana mutariri wepfuma achada kuvimbiswa kwemari nemari. Mutero wechikwereti wemitero unonyatsoda kuvimbiswa, unopa kuti zvakadini zviri kuitika ... Read more
Mubvunzo: Imba yangu yakaverengwa sei?
A: Kubhadhara kunotarwa zvichienderana nhamba yezvivako muimba, uye kwete nhamba chaiye yevanhu vanogara imomo. Muridzi weimba yako anofanira kuverenga renti yako achifunga kuti 1.5 vanogara vanogara muimba yega yega yega (kana mumwe muimba, mune imwe studio).
Saka, kubhadhara kweimba mbiri yekurara, somuenzaniso, kwaizova kune vatatu vanogara (1.5 x 2 dzimba) muimba.
Mari yekubhadhara chikwereti inosanganisirawo mari yekubatsira.
Imba yakakosha iwe unogona kubhadhara kubhadhara chikamu chemari yakaderera mumutero wechikwereti chemitero iri 30% yeperesenti (kazhinji 50% kana 60%) yenharaunda yemari yakawanda yemari (AMGI).
Mubvunzo: Nhamba yevanhu vari mumba mangu inobata kukodzera here?
A: Hongu. Nhamba yevanhu vari mumba mako inobata kana iwe uchikwanisa kubhadhara chikamu chekubhadhara mari yakaderera pamutero wechikwereti chemitero. Mhuri yako inofanira kuwana mari shoma pane imwe chikamu chepakati yemari yakawandisa yemari (AMGI), iyo inobva paukuru hwemhuri. Kune rumwe rutivi, kukwereta kwekwereti yemutero hakusi maererano nenhamba chaiyo yevanhu vari mumba mako.
Mubvunzo: Ndichatsvaga kusaina bhadharo yakakosha here?
A: Kwete. Purogiramu yechikwereti haiti kuti vashandi veminda vave nevarimi vasaina chikwata chakanaka. Asi iwe unogona kuwana chikwata chekubhadhara chikamu chimwechete kana zviviri zvakajeka purogiramu yekwereti yemitero. Somuenzaniso, unogona kutarisira chikamu chinokumbira kubatirana nemwene weimba yako pakugadzirisa uye kuongorora mari yako gore roga rega, uye pangave nemutauro uchiti kana mwene weimba yako akadzidza kuti iwe unonyatsoziva kupa nhema kana kusakwana kwekuwana mari paunenge uine kukodzera, iyi inogona kuva chikonzero chekugumisa chibvumirano chako.
Mubvunzo: Ndinogona kubhadhara pamwedzi nepamwedzi here?
A: Apo iwe paunotanga kuisa chibharo cheimba pane imwe chikwereti chekwereti, inofanira kunge iri nguva yemwedzi mitanhatu (kunyange zvazvo pane zvimwe zvisiri izvo). Mushure maizvozvi, iwe neimba yako inogona kubvumirana kuti uvandudze chibvumirano chako pamwedzi kubva pamwedzi.
Mubvunzo: Ko pachava nemari-vatengesi vashandi vari muchivako here?
A: Pangavepo. Nzvimbo dzakawanda dzekwereti yemari inosanganisira mamwe mapoka ekugara ane mari uye mamwe mahara emakamuri.
Mubvunzo: Ndichamira kunze semari inowanikwa here kana pane misika-yevhiji vhiji?
A: Iwe haufaniri. Varidzi venyika vanofanirwa kuti vasaparadzanisa misika yemari uye mari shoma-dzimba, uye hapana munhu pamutero wako wekwereti anofanira kuziva kuti mari yakabhadhara iwe unobhadhara kunze kwekuti iwe uvaudze.
Mubvunzo: Mari yangu yakagadzirirwa kubva pane zvandakaita mugore rapfuura here?
A: Aiwa. Yakagadzirirwa nokutarisira mberi uye "kukanganisa" mari yako yegore rinotevera. Somuenzaniso, kana iwe ukawana $ 3,000 pamwedzi kubasa, mari iyi inogona kuverengwa se $ 36,000 (12 months x $ 3,000), kunyange kana zvichiita iwe unowana kusimudza kana kutosikirwa nebasa rako mwedzi mushure mekunge uchinge wapinda mumba mako.
Mubvunzo: Vagari vomunharaunda vanowana sei mari isina basa yemari?
A: Basa rekubhadhara rinofanira kunge rinosanganiswa sechikamu chemari inowanikwa mumhuri, pasinei nokuti mari inowanikwa inogara yakasimba kana isiri.
Kazhinji, vagari venyika vanobatanidzwa muhurongwa hwekwereti yemitero vanofanira kushandisa mamiriro emuvakidzani mamiriro ezvinhu ekuti "vashandise" mari, iyo inoreva zvinosanganisira mari iyo muridzi wemba anotarisira kuwana kune mwedzi gumi nemana inotevera, kunyange iyo inosvika iyo iyo yakawanda kwazvo kana pasi.
Mubvunzo: Ko kurambana kwekurambana kana kuti masangano pamwe chete kunonditadzisa ini here?
A: Kwete. Anotarisa haatenderwi kungova nekutarisana kana kurambana.
Kunyange zvazvo zvingaita kuti mamiriro ako emari mushure mekurambana angakuita kuti usakanganise, kuva nekutarisana kwekurambana kana hutambidzana zvinhu hazvisi zvikonzero zvakanaka zvekuramba kuronga kushanda kwemutero wekwereti kana kuti kungofunga kuti anenge akakumbira haafaniri kuwana mari.
Mubvunzo: Ko renti inobva mune zvandinowana here?
A: Kwete. Kusiyana nedzimwe mapurogiramu ezveimba, kukwereta kwekwereti yemutero kunobva pane inowanikwa mari munharaunda yako kana mune imwe nzvimbo. Ivhareji inozivikanwa se "nzvimbo yakawanda yemari inowanikwa" (AMGI), iyo HUD inovandudza gore negore. Mari yako chaiyo inowanikwa kana ichiuya pakugadzirisa kana iwe uchikwanisa kuwana imba yakaderera yepamusoro pane imwe chikwereti chekwereti. Asi iyo yairo yairo iwe iwe unobhadhara haisi kubva pane zvaunowana.
Mubvunzo: Ndiri ini hazvibvumirwi kune vamwe here kana ndikawana mari yakawanda yemutero wechikwereti?
A: Kwete kwete. Kunyange zvazvo mitero yose yekwereti yemari inofanira kutevera mitemo yakafanana yekugadzirisa kukodzera mari, unogona kuwana mari yakawanda kune imwe yemari yemari yechikwereti asi uchiri kungofungidzirwa kukodzera kune vamwe. Izvi zvinogona kuitika kana, semuenzaniso, iwe unowana 55% yemutengo wemari. Imba inofanira kubhadhara kune vashandi vanowana mari inopfuura 50% yemiganhu yekuwana ichakurambai asi iyo inoshandisa 60% yevanhu inogona kukuwana uchikodzera. Uyewo, muganhu wemari inopesana unofananidzwa nehurumende, saka kana ukawana mari shoma pane imwe nzvimbo, unogona kubudirira pane imwe nzvimbo inoshandisa mitemo yakasiyana.
Mubvunzo: Ndingaita here kuti ndidzimure kana mari yangu inopera mushure mokunge ndaenda?
A: Iwe haufaniri kunetseka nezvekudzingwa nekuda kwekupfuura mari. Kana zvikwereti zvako zvichikwira kusvika zvakakwirira se 140% yenharaunda yemari yakawanda (AMGI), hapana dambudziko. Kana mari yako inokwira kumusoro, iyo inogona kuda kuti mwene weimba atore matanho ekuti ave nechokwadi chokuti chivako chinogara chakakosha pamatare ayo ose emitero.
Mamiriro akaipisisa, muridzi weimba anga ((nekucherechedza zvakakodzera) shandura imba yako kumusika-uwandu uye iwe unogona kurasikirwa nechikwereti chebhadha yako yakarambidzwa. Zvisinei, kana mari yako yakakwirira, iwe hausi wemari yakaderera uye iwe unogona kukwanisa kutenga mari yemari. Varidzi venyika pamutero wechikwereti zvinogona kukanganisa vashandi kuti vawane "chikonzero chakanaka" sezvinotsanangurwa nemitemo yehurumende kana yega. Izvi zvinorevawo kuti muridzi weimba yako haagoni kusarudza kusagadzirisa chibharo chako pasina chikonzero chakanaka.
Mubvunzo: Nguva imwe neimwe iyo mari yangu inoshanduka, ndinofanira here kugadziriswa?
A: Nhamo, kwete. Mutero wechikwereti wemitero hauna "kugadziriswa kwemazuva mashoma," izvo zvinoreva kana iwe ukashandura mabasa, kuwedzera, kana kutenga kana kutengesa pfuma, haufaniri kuwana mari yako inotarirwa uye inoratidzwa zvakare. Iwe unofanirwa kutarisira kusangana nevatungamiri kuzogadzirisa zvaunowana chete kamwe chete pagore, kazhinji kari kupoteredza chiitiko chekushambadzira kwako kwechikwereti.
Mubvunzo: Somudzidzi, ndinogona kurarama pane imwe nzvimbo yekubhadhara mari?
A: Mutemo mukuru ndewokuti kana munhu wose ari mumba mako ari mudzidzi wenguva yakazara, iwe haugoni kukwereta pane imwe chikwereti chemari. Saka kana iwe uri mudzidzi wenguva yakazara unogara naye unoenda chikoro chikamu-nguva, iwe wakanaka. Kana munhu wose ari mumba mako achienda kuchikoro kwenguva yakazara, bvunza kutungamira kana iwe uchingopinda mune chimwe chinhu.
Mubvunzo: Inofanirwa kubhadhara mari yechikwereti inoteerera mitemo yekusarura
A: Hongu. Mutero wechikwereti zvinowanikwa pasi pemitemo yepamusoro yeimba yekugara seyakagadzirwa. Kunyanya, nokuda kwechibvumirano pakati peHUD, Dhipatimendi reMari, uye Justice Department (DOJ), IRS inogona kudzidza zviri nyore pamusoro pemuridzi weimba inopesana uye inoshandisa iyo sechikonzero chekwereti yekwereti isingateereri. Izvi zvinoreva vashandi vepanzvimbo kumitero yechikwereti vane chikonzero chikuru chekusasarura iwe.
Mubvunzo: Vashandi vanogona sei kuwana ruzivo rwakawanda pamusoro pezvirongwa zvepurogiramu?
A: Vashandi uye tarisiro inowanzova nemibvunzo pamusoro pemari inowanikwa uye mitemo yekwereti yemari. Mukuwedzera kune mhinduro dzemibvunzo inowanzobvunzwa yakapindurwa apa, unogona kuwana mibvunzo yezvematongerwo enyika inopindurwa nehurumende yehurumende yezvemari iyo inotungamirira purogiramu yekwereti yemutero kwaunogara. Tarisa uwandu hwematongerwo enyika ehurumende yemari .