Matanho Evanhu Vose Vanogara Vanofanira Kutora
Kutsigira mari uye basa ndeyekuita zvitatu:
- Kumbira paystubs uye W2s , kana zvikwereti zvebhangi uye Fomu 4506 kubva ku IRS.
- Bvunza vashandi vavo uye bvisa chikumbiro chekuita basa.
- Runza Credit Check .
1. Kukumbira Paystubs uye W2s, kana Bank Statements uye Form 4506 Kubva IRS
Chikamu chekutanga chekuongorora munhu anenge achida kugarisa mari ndeyekukumbira magwaro akakodzera kubva kwavari.
Kune Vanotarisira Vagari Vane Mushandi:
Paystubs:
Chikumbiro chakareruka ndechokuti paystub. Iwe unoda kukumbira kubhadhara kubva kumwedzi miviri kana mitatu yekupedzisira. Iyi paystub inotarisa kubhadhara kutanga uye kuguma zuva, saka unogona kuzvishandisa kuti usarudze mumiriri wevhiki nevhiki, pamwedzi uye mugore rose. Iyi paystub inonyora zvose zvakakosha uye netsi (pashure pemitero) mubhadharo wemunhu anenge akakumbira. Inofanirawo kutarisa gore rayo kuti riwane mari.
W2s:
Sekuwedzera kudzivirirwa, iwe unofanira kukumbira kopi yevadzidzi veW2. Izvi zvicharatidza kuti mari yakawanda sei yavakashuma kune gore rapera mutero.
Ichakubvumira kuti uone kuti vakave nemari yakagadzikana yegore rapfuura.
Kune Vanotarisira Vagari Vaya Vanozvishanda:
Bank Statements:
Sezvo vanhu vanozvishanda vasingakwanisi kuwana paystub, chinhu chakanakisisa chaungaita ndechokumbira mapepa emitemo yavo yebhangi kuti vaone kuti vane mari inouya.
Iwe unofanirwa kukumbira zvinyorwa zvebhangi kubva mumwedzi miviri kana mitatu yapfuura kuti uwane mufananidzo wakanaka wevhareji yemwedzi.
Fomu Fomu 4506 Ne IRS:
Vamwe vagari venyika vanozeza kubhadhara kune avo vanozvishanda nokuti zvakaoma kuongorora mari yavo. Imwe nzira yekuita izvi ndeyokuita kuti vatarisi vauye Fomu 4506 kune IRS, iyo chikumbiro chekugamuchira kopi yemumiriri we federal tax records. Dambudziko neizvi ndiyo nguva inotora kugamuchira ikopi iyi. Inogona kutora mazuva makumi matanhatu kuti ishandise chikumbiro ichi, uye vashandi venyika vakawanda havagoni kumirira izvi kwenguva yakareba kuzadza nzvimbo. Mari yacho inyayawo, sezvo iri $ 57 kuti igamuchire ikopi iyi.
A quick and cheap (free!) Sarudzo ndeyokuisa fomu 4506-T , iyo iri chikumbiro chechinyorwa chemumiriri wemitero chinodzoka. Izvi zvinowanzoita zuva rimwe chete bhizinesi kuti uwane uye richava nemashoko anokosha auri kutsvaga.
2. Kutaurirana Nevashandirwi Vavo uye Kutumira Basa rekuona basa
Izvi ndezvevanhu vanotarisira vashandi vanove nevashandi. Kuti uone basa ravo, iwe unoda kuonana nemushandirwi zvakananga uye kubvisa chikumbiro chekuita basa. Izvi ndezvekuita kuti munhu anenge achitsvaga aite, chaizvoizvo, achishanda ikoko uye kuti ave nechokwadi chekuita mari yavanowana.
Onawo: Fomu Yechikumbiro Yokupindira Pabasa
3. Kutinha Chengetedza Cheko
Kuramba kutarisa chikwereti kumunhu anenge achida kumubhadhara achakupa ruzivo rwehutano hwavo hwemari. Ichi cheko chechikwereti chichakuratidza kana vakakwanisa kuzadzisa zvose zvavanosungirwa mari. Iwe uchanodzidza chikwereti chavo chikwereti, chikwereti chakawanda chavanazvo, kana vakambosvitsa kuti vafunge, kana vane chero kutonga pamusoro pavo uye kunyange vakambobviswa.
Zvinonyanya kuenzanisa kuenzanisa chikwereti chavanotora chikwereti kune mari yavo, iyo inonzi chikwereti chavo chekuwana mari. Kana vari kuita $ 40,000 pagore asi vane $ 40,000 mune chikwereti, vangave vakaomerwa nekuzadzisa kubhadhara mari yavo pamwedzi.
Kunyange zvazvo gwaro rekwereti risina kunyora avo varipo kana kuti vekare vashandi, rinoratidza kuti ndiani ari kutora chikwereti chekwereti kune mumwe munhu.
Vashandi vanowanzotanga chikwereti chekubhadhara chikwereti kune munhu anenge aita basa racho asati amubhadhara. Chikoro chekwereti chinogona kukuratidza runyora rwevashandi vakatsvaga chikwereti ichi chemuvakidzani munguva pfupi, kunyange zvazvo zvisiri kureva kuti ivo vakaroora munhu anenge aita basa. Iwe unofanirwa kutsvaga mberi uye utaure nemushandirwi zvakananga kuti uone makambani apo muhaya wacho ainyatsoshandiswa.
Onawo Zvamungaita : Mungaita Sei Mune Chikwereti Chekuona Chimwe Chimwe Chetarisiro?