Kuv tus txiv thiab kuv yuav tsev thib ob ob xyoos dhau los, rau $ 160,000, nrog 30-xyoo qiv nyiaj ntawm 2.5%. Peb yuav nws nrog lub hom phiaj ntawm kev xauj nws tawm rau peb tus tub thiab nws tus poj niam tshiab.
Lawv yog cov kawm tiav qib siab tsis ntev los no, thiab nyuam qhuav pib lawv txoj haujlwm. Lawv tau ua lub tsev no lawv lub tsev. Thiab nws yog ib qho kev npaj zoo uas lawv them tag nrho cov nqi, thiab tau tswj hwm thiab txhim kho cov cuab yeej.
Tab sis tam sim no, vim lawv khwv tau nyiaj zoo, lawv xav tau ib lub tsev ntawm lawv tus kheej. Peb txhua tus xav hloov daim ntawv cog lus xauj tsev no rau hauv qhov xwm txheej uas lawv muaj lub tsev.
Vim tias 2.5% tus nqi, tsis muaj leej twg ntawm peb xav muag lub tsev thiab tau txais peb cov nqi jacked txog li 7%.
Peb tab tom txiav txim siab khaws cov nyiaj txais hauv qab peb lub npe, thiab ua lub txhab nyiaj, thiab kom peb tus tub them tag nrho cov nqi, thiab lub tsev los ua nws. Qhov no yog txoj kev npaj peb muaj nyob rau hauv peb lub siab, thiab yuav tsum formalized nyob rau hauv ib daim ntawv cog lus.
"'Peb tab tom txiav txim siab kom khaws cov nyiaj txais los ntawm peb lub npe, thiab ua haujlwm hauv tuam txhab nyiaj, thiab kom peb tus tub them tag nrho cov nuj nqis thiab lub tsev yog nws.'"
Thaum nws txiav txim siab muag, peb yuav tau txais peb cov nyiaj them poob haujlwm, cov nuj nqis, thiab me ntsis ntawm qhov ncaj ncees rov qab. Lawv yuav khaws cov seem.
Tam sim no lub tsev tau txais txiaj ntsig los ntawm kwv yees li $ 50,000 ntawm lub sijhawm no.
Nov yog kuv lo lus nug: Puas yog lub tswv yim phem? Peb paub tias yuav tsum muaj kev cuam tshuam se, thiab lwm yam teeb meem, tab sis peb tsuas yog tsis tuaj yeem xav txog qhov no.
Khaws cia hauv tsev neeg
'Txoj Kev Loj Loj' yog MarketWatch kem saib lub ins thiab outs ntawm vaj tse, los ntawm kev tshawb nrhiav lub tsev tshiab rau kev thov qiv nyiaj.
Koj puas muaj lus nug txog kev yuav lossis muag tsev? Koj puas xav paub seb koj qhov kev txav mus tom ntej yuav tsum nyob qhov twg? Email Aarthi Swaminathan ntawm [email tiv thaiv].
Nyob zoo,
Txoj kev npaj ua rau kuv paub. Yog tias koj tus tub them tag nrho cov nuj nqis tsis tu ncua rau lub tsev, suav nrog kev tuav pov hwm thiab tsev qiv nyiaj, thaum koj ua tus backstop, ces kuv tsis pom qhov teeb meem loj.
"Txhua tus neeg tuaj yeem pab lawv niam lawv txiv lossis lwm tus neeg hauv kev them nqi tsev," Melissa Cohn, tus lwm thawj hauv cheeb tsam ntawm William Raveis Mortgage, hais rau MarketWatch.
""Txhua tus neeg tuaj yeem pab lawv niam lawv txiv lossis lwm tus neeg hauv kev them nqi tsev.""
Tab sis xyuas seb koj lub tsev qiv nyiaj puas yog ib qho kev qiv nyiaj. Yog tias nws yog qhov qiv nyiaj uas xav tau, qhov ntawd txhais tau tias koj tus tub tuaj yeem yuav koj lub tsev los ntawm kev them koj cov nqi tsev, Aaron Kovac, tus neeg qiv nyiaj hauv Austin tau hais rau MarketWatch.
Tab sis feem ntau cov pa qiv nyiaj tsis yog qhov xav tau, nws hais ntxiv.
Thiab tseem xav txog qhov cuam tshuam se. Yog tias koj tus tub tau them koj cov nqi tsev, nws tuaj yeem suav tias yog khoom plig txog li $ 17,000 hauv xyoo 2022, raws li txoj cai. Internal Revenue Service. Thiab txij li cov txij nkawm tuaj yeem muab ob npaug, tom qab $ 34,000, nws yuav tau them se rau cov nyiaj them rau xyoo ntawd.
Tab sis tib lub sijhawm, muaj qhov tsis zoo rau koj tus tub them koj cov nqi tsev.
Txawm hais tias tsis muaj kev txwv tsis pub ua li ntawd, nws yuav tsis tau txais credit rau kev them nyiaj. Yog li nws yuav xav xav txog qhov ntawd.
Ntxiv rau, nws kuj yuav tsis muaj peev xwm txaus siab rau cov txiaj ntsig se ntawm kev them nyiaj, Cohn sau tseg. Nyob rau hauv lwm yam lus, nws yuav tsis muaj peev xwm thov qhov nqi tsev-nyiaj rho tawm ntawm nws cov se rov qab.
Thiab thaum kawg, nco ntsoov tias thaum kawg koj yuav yog lub luag haujlwm rau kev qiv nyiaj hauv koj lub hnub nyoog laus, tsis hais txog koj qhov xwm txheej nyiaj txiag.
Yog tias koj ua haujlwm hauv tuam txhab nyiaj, thiab koj tus tub kawg tsis them rau qee qhov laj thawj yav tom ntej, koj yuav yog tus saib xyuas kev nyab xeeb, thiab koj yuav tsum them tus nqi qiv nyiaj ntxiv.
Xav txog tias koj nyob hauv koj lub 80s thiab qhov kev npaj no txuas ntxiv mus. Yog tias koj tus tub xaus rau hauv qhov xwm txheej uas nws tsis tuaj yeem them, koj tseem nyob ntawm qhov sib txuas vim qhov qiv nyiaj hauv koj lub npe.
Thiab nyob rau hauv qhov xwm txheej ntawd, koj yuav tsum tau them rau nws, hauv koj lub hnub nyoog laus, txawm tias qhov nyiaj hli loj npaum li cas.
Yog li tham nrog nws txog seb nws npaj yuav daws qhov xwm txheej li cas thaum nws los txog.
Zuag qhia tag nrho, koj txoj kev npaj zoo li ua rau muaj txiaj ntsig, txawm tias muaj qee qhov tsis zoo.
Tab sis raws li Cohn tso nws, xav txog ntau npaum li cas tus nqi siab dua niaj hnub no, qhov txiaj ntsig ntawm kev poob se txiav tawm hauv kev sib pauv rau kev khaws cov nqi tsev qiv nyiaj qis keeb kwm yog qhov tseeb.
Los ntawm email koj cov lus nug, koj pom zoo kom lawv luam tawm tsis qhia npe ntawm MarketWatch. Los ntawm kev xa koj zaj dab neeg rau Dow Jones & Company, tus tshaj tawm ntawm MarketWatch, koj nkag siab thiab pom zoo tias peb tuaj yeem siv koj zaj dab neeg, lossis cov qauv ntawm nws, hauv txhua qhov kev tshaj tawm thiab cov platforms, suav nrog los ntawm cov neeg thib peb..
Tau qhov twg los: https://www.marketwatch.com/story/my-husband-and-i-rent-our-second-home-to-our-son-and-his-wife-now-we-want-him- to-own-this-house-but-keep-our-2-5-mortgage-rate-how-can-we-do-that-11672838553?siteid=yhoof2&yptr=yahoo