Izikweletu Zesitatimende Sebhange: Izixazululo Zezindlu Ezihlanganisiwe Zezidingo Ezihlukahlukene Zomboleki

Akuwona wonke umuntu olingana nebhokisi lempahla yendlu elivamile, futhi yilapho Izimalimboleko Zesitatimende Sebhange zikhanya khona. Yakhelwe wenaqashiweababolekayo kanye nabantu abanemali engenayo eyingqayizivele, le mali ebolekiwe inikeza enye indlela eguquguqukayo yokuxhasa ngezimali okuvamile. Njengoba kungadingeki ukubuyiselwa kwentela, isebenzisa izitatimende zasebhange zezinyanga ezingu-12 ukuze ihlole iholo lakho—ilungele labo amafomu abo entela angabonisi yonke into. Imalimboleko Yesitatimende Sebhange ingasiza futhi i-ITIN kanye nababolekayo abangu-1099.

Isitatimende Sebhange Imalimboleko inezici ezinhle kakhulu. Ungaboleka kusuka ku-$150,000 kuya ku-$3.5 wezigidi ukuze uthenge, ukhiphe imali, noma ukhokhe kabusha—ukumbozaOkuyinhlokoamakhaya, amakhaya esibili, kanye nezakhiwo zokutshala izimali, ngisho nama-condo angenawaranti. Udinga nje amaphuzu esikweletu angama-660, futhi Imalimboleko Yezitatimende Zebhange ivulekele izakhamizi, abanikazi bamakhadi aluhlaza, izakhamuzi ezingahlali unomphela, kanye nababolekayo be-ITIN. Ababolekayo abazisebenzelayo bangavala ngaphansi kwegama lebhizinisi ukuze kube lula. Uhlelo lusekela ababoleki abazisebenzayo ngezitatimende ezingu-1099 noma zasebhange.

Unezinketho zemibandela yemalimboleko futhi. Khetha isilinganiso esimisiwe seminyaka engu-30 ukuze uthole izinkokhelo eziqhubekayo noma uhlelo Lwenzalo Kuphela. Izikweletu Zesitatimende Sebhange zisebenzisa izitatimende zasebhange noma amafomu angu-1099 ukuhlola imali engenayo, okuzenza zibe zinhle kwabazimele kanye nosonkontileka.

Ukuhlanganisa okukhulu ukwamukela i-DTI engaphezu kuka-50%. Izimali mboleko zendabuko zivame ukuthi cha ezilinganisweni eziphezulu zesikweletu nemali engenayo, kodwa Izikweletu Zesitatimende Sebhange ziyaqonda ukuthi ababoleka abazisebenzelayo bangase babe nezindleko ezinkulu futhi baphathe kahle. Lokhu kusiza abanikazi bamabhizinisi ukuthi bathole imali mboleko elingana nempilo yabo. Ababolekayo abazisebenzayo abanemali engenayo engu-1099 bathanda Izimali Zokubolekwa Kwezitatimende Zebhange, ikakhulukazi uma i-DTI yabo ingaphezu kwama-50%.

Ziyafinyeleleka futhi. Uma uke waba nokuqothuka, ukuvalwa, noma ukudayiswa okufushane, ungafaneleka uma sekuyiminyaka emithathu. Inketho ka-1099 ikwenza kube ngcono nakakhulu kubasebenzi abazimele, futhi akukho mbuyiselo yentela edingekayo kusho amaphepha amancane.

Ukugoqa, Imalimboleko Yesitatimende Sebhange iyisinqumo esihlakaniphile sazo zonke izinhlobo zababoleki. Ngokugxila ezitatimendeni zasebhange nokuvumela i-DTI edlula u-50%, zisiza ababolekayo abazisebenzelayo, abanikazi be-ITIN, nabanye abangahambisani nemithetho evamile yokuboleka. Kungakhathaliseki ukuthi uthenga ikhaya noma uxhasa ngezimali kabusha, Imalimboleko Yesitatimende Sebhange iletha ukuguquguquka nokufakwa.