Nkhani za Mortgage

Ku United States, osunga ndalama ambiri nthawi zambiri amakweza ndikusintha nyumba zogulira ndalama, zomwe zimatulutsa msonkho wowonjezera wamtengo wapatali komanso msonkho wamtengo wapatali pochita malonda, zomwe ndi zopanda chuma.Komabe, IRS yapereka lamulo loletsa msonkho mwalamulo pogula ndi kugulitsa nyumba zogulitsira, ndiye kuti, pogwiritsa ntchito akaunti yosinthira 1031.
Kodi akaunti ya 1031 ndi chiyani?Nthawi zambiri, akaunti yosinthira 1031 ndi ndalama zogulitsa nyumba yosungiramo ndalama zimasamutsidwa ku akaunti ya 1031 escrow, kenako ndalamazo zimagwiritsidwa ntchito kugula nyumba yosungiramo ndalama yokhala ndi mtengo wapamwamba kwambiri.Ndiye nyumba yogulitsa ndalama yogulitsa ikhoza kuchedwetsa kulipira msonkho wowonjezera mtengo ndi msonkho wamtengo wapatali, ndipo akaunti ya 1031 yosinthanitsa ingagwiritsidwe ntchito mpaka kalekale popanda zoletsa pafupipafupi komanso pafupipafupi, ndiko kuti, msonkho ukhoza kuyimitsidwa kosatha, Ndiwofanana ndi kukhululukidwa msonkho. .

Timapereka pulogalamu ya "DSCR" kwa omwe akufunsira omwe si a QM, omwe ndi oyenera kugwira ntchito motere.