Tenga imba nayo. ITIN zvikwereti zvemusha zvinopa vanoenda kune imwe nyika mukana wekuva varidzi vemba. Hakuna mugari wemo kana yekuchengetedzeka kwenhamba inodiwa. Kunyorera chikwereti ITIN , unogona kuzviita uchishandisa yako ITIN nhamba (yega mutero chitupa nhamba).
ITIN zvinodiwa nechikwereti
Izvo chaizvo zvinodiwa nechikwereti zvinoenderana nemukweretesi. Iwe unofanirwa kutarisira kuti zvinotevera zvichadikanwa kune chero ITIN mutengi anokweretesa:
- Chikwereti - Funga hunhu hweITIN zvikwereti, pane zvinoshanduka zvikwereti zvinodiwa. Vazhinji vakweretesi vanozofunga kushandisa dzimwe nzira dzechikwereti zvinyorwa, senge zvinoshandiswa nemabhiri efoni.
- Jobho Iwe unozofanirwa kupa humbowo hwemakore maviri ebasa risingachinji.
- Mitero inodzoka - Anokweretesa wako achazoda kuona maviri ekupedzisira makore emitero anodzoka (W-2 kana 1099).
- Pakutanga kubhadhara - Tarisira kuti unofanira kupa kanokwana gumi kubva muzana muripo. Izvo zvishoma pasi muripo zvinodikanwa zvinoenderana neanokweretesa.
- Chitupa - Kopi yekadhi rako reITIN, pamwe nerezinesi rekutyaira kana pasipoti zvingangodikanwa neanokweretesa.
- Zvinyorwa zveAccount - Tarisira kupa pakati pe2-6 zvirevo zvebhangi. Iyo chaiyo nhamba yemabhengi zvirevo zvauchazoda kupa zvinobva pane chaicho chikwereti chauri kunyorera nacho.
Wepamusoro ITIN Mortgage Lenders
Mabhangi makuru anotambira iyo itin kutenga imba, Ndeapi mabhangi anoita zvikwereti zvekutengesa nazvo. Heano mamwe emhando dzakanakisa dzeITIN vanopa chikwereti:
FNBA - Kutanga National Bank yeAmerica ine chirongwa cheITIN chinowanikwa mumatunhu makumi mashanu. Iyo yepasi pasi yekubhadhara inodiwa kune yako ITIN chirongwa ndeye 20%.
United Mogeji - United Mortgage Corporation yeAmerica inopa chirongwa cheITIN icho chinobvumidza kusvika ku80% LTV yevatengi vekutanga kumba. Ivo vanopa ITIN zvikwereti mumatunhu anotevera: CA, CO, TX uye WA.
ACC Mogeji : ACC Mortgage inopa ITIN chikwereti chigadzirwa, asi mitengo yavo kazhinji haina kukwikwidza. Ivo vanoda 20% pasi yekubhadhara (iyo inogona kupihwa kure). Ivo vanongopa mari mu: AZ, CA, CO, CT, DC, DE, FL, GA, IL, MD, NV, NJ, NC, PA, SC, TX, VA uye WA.
Enda Alterra : Go Alterra inopa ITIN zvikwereti ne20% pasi kubhadhara kune vanokwanisa kunyorera. Ivo vanopa ITIN zvikwereti mu: AL, AZ, CA, CO, CT, DC, FL, GA, IL, IN, IA, KS, MD, MN, NE, NV, NH, NJ, NM, NC, OK, OR, PA, RI, SC, TN, TX, VA uye WA.
Zvakanakira nezvakaipa zvezvikwereti zveITIN
Pazasi pane zvimwe zvakanaka nezvakaipa zvechikwereti cheITIN. Iwe ungangoda kunyatso tarisisa kana urwu rudzi rwechirongwa rwakakukodzera iwe.
Kubatsira:
- Inowanikwa kune vasiri-vagari.
- Kuchengetedzwa kwevanhu hakudiwe. Pasipoti chete, rezinesi rekutyaira kana imwe nzira yekuzivikanwa.
- Flexible kiredhiti zvinodikanwa zvinokutendera iwe kushandisa zvisiri zvechinyakare masosi echikwereti.
Kukanganisa:
- Iwo mareti anowanzo kuve akakwirira kupfuura ayo echinyakare zvikwereti.
- Kubhadharwa kukuru kuri kudiwa (vazhinji veITIN vanopa mogeji vanoda 10-30% pasi yekubhadhara)
Muzviitiko zvakawanda, chikwereti cheITIN chakafanana nezvimwe zvakajairwa zvikwereti zvemumba. Misiyano yakakosha chete ndeiya yakatsanangurwa pamusoro. Kana iwe uchikodzera, unogona kuita iyo inodikanwa pasi kubhadhara uye unogona kunyatso kubhadhara iyo yekubhadhara mogeji, iyo ITIN chikwereti inogona kunge iri yako yakanakisa (uye chete) sarudzo yeiyo mogeji.
Kakawanda mibvunzo
Ndedzipi mhando dzezvivakwa zvinokodzera izvi zvikwereti?
ITIN zvikwereti zvinogona kushandiswa padzimba-dzemhuri dzimba, makondomu, uye PUDS.
Inogona here chikwereti cheITIN kushandiswa kune imba yekudyara?
Kwete, ITIN zvikwereti zvinogona chete kushandiswa kune muridzi-inogarwa imba (yekutanga pekugara).
Iko ITIN zvikwereti zviripo kuburikidza neiyo FHA?
Kwete, iyo FHA haina kupa chirongwa cheITIN.
Pane mutemo here unopesana nekupa zvikwereti kune vanokwereta vasina SSN?
Iko hakuna mitemo inorambidza zvikwereti zvemusha zvinopihwa kune vasiri-vagari. Zvakangodaro kuti vazhinji vanokweretesa vane sarudzo yekungopa chete zvikwereti kune vanokwereta nenhamba yekuchengetedza vanhu. Pamusoro pezvo, kana Fannie Mae, Freddie Mac, kana iyo FHA haitsigire aya marudzi ezvikwereti, zvichikonzera matambudziko ane chekuita neyechipiri mutero wemusika. Naizvozvo, chete akasarudzika mhando dzevanokweretesa, kureva maportfolio vanokweretesa vanopa aya marudzi ezvikwereti.
Maitiro ekuwana imba mogeji ine mutero chitupa nhamba (itin)
Kupesana nekutenda kwakakurumbira, zvinokwanisika kuwana mogeji pasina nhamba yekuchengetedzeka munharaunda kana chinzvimbo chepamutemo muUS Chaizvoizvo, iyo US ndiyo imwe yenyika chete inobvumidza vasiri-vagari kuwana pfuma.
Iyo yekutenga imba maitiro ane akawanda akawanda nuances, asi zvinogoneka. Tinoda kukubatsira kuzadzisa zviroto zvako zvekuva nemba. Verenga pamusoro kuti udzidze zvimwe nezve kugashira imba mogeji nenhamba yako yeITIN.
Chii chinonzi ITIN nhamba?
Kana usati wambonzwa nezwi iri pamberi, iwe unofanirwa kuziva kuti iyo ITIN nhamba inomiririra a nhamba yekuzivikanwa yemubhadhara mutero . Chaizvoizvo, iri nhamba pfumbamwe yemutero yakapihwa vanhu vasina mutemo zviri pamutemo sevagari. Vagari vemutemo vanoisa ruzivo rwavo rwemutero kuburikidza neSNN (nhamba yekuchengetedzeka munharaunda) uye havazodi nhamba yeITIN.
Pane matanho mazhinji auchazoda kutora kuti utore chikwereti neITIN yako. Chekutanga pane zvese, kana iwe uchibhadhara mutero semunhu asiri mugari uye usingakwanise kugamuchira SNN, unogona kukodzera ITIN. ITINs haina kubva panzvimbo yekugara, saka haufanire kunetseka nezvekuva nepfuma usati wabhadharwa.
Tora mogeji
Kana iwe uchifarira kunyorera yeITIN chikwereti, iwe uchafanirwa kuzadza akati wandei mafomu. Dzimwe dzenzira dzinosanganisira:
- Uchapupu hwehuwandu hwemari inowanikwa
- Kiredhiti nhoroondo
- Kuongorora kwemari
Iwe unozofanirwa kuratidza humbowo hwekuvimbika kwemari kuratidza kuti iwe unogona kuchengeta yako yemari yechikwereti kubhadhara. Zvinodikanwa zvinosiyana nemupi wechikwereti, saka ive shuwa kunyatso tarisisa kune zvavanokumbira.
Panyaya iyi, iwe uchazoda hwakasarudzika hunyanzvi hwezvemari kuchengetedza yako yekutenga imba. Chinhu chakakoshesa maitiro ekuti ratings dzinoonekwa sei iye mupi waunosarudza. Vanenge vese vakweretesi vanoda magwaro akati wandei kuratidza kuti iwe unozokwanisa kubhadhara chikwereti nenguva.
Matambudziko aungasangana nawo
Chinetso kune vazhinji vanofarira kunyorera hachisi kukwanisa kupa magwaro emubairo sezvo vazhinji vashandirwi vasingaendese iwo ruzivo. Kana mushandi achibhadharwa nemari, zvinenge zvisingaite kuwana ruzivo irworwo.
Zvinoreva kuti kana iwe uri mutorwa neITIN muUS, iwe unofanirwa kuchengetedza yakawanda mari uye wozopa magwaro anodiwa, senge nhoroondo yekubhadhara mari, kuti uwane iyo mogeji. Mitero pazvikwereti zveITIN inogona kuve yakakwira kana ichienzaniswa neyakajairwa mareti anowanikwa pane akajairwa akagadziriswa kana anoshandurwa mwero wezvikwereti.
Ziva zvakare kuti havazi vese vanhu vane ITIN muUS vari pano zvisiri pamutemo, vamwe vanobva kune dzimwe nyika vasina SSN vanogona kunge vachigara zviri pamutemo muUS Maitiro evanhu ava anozove nyore sezvo vachiwanzove nemari yakasimba uye kiredhiti. nhoroondo.
Pre-yekutarisa usati watenga imba
Iwe unofanirwa kuziva kuti ITIN chikwereti pasi kubhadhara chiri chakakwirira kupfuura zvimwe zvakawanda zvikwereti. Iyi huwandu inowanzo kuve inosvika makumi maviri muzana yehuwandu hwehuwandu hweimba. Zvakare, kana mukweretesi atogamuchira mari kubva kune yekunze sosi yemubhadharo wepasi, kukosha kwemubhadharo wepasi kuchawedzera. Sezvo zvisina kurongeka sezvazvinogona kunzwika, izvi zvinoitirwa kuchengetedza mukweretesi kana munhu iyeye akadzingwa mune ramangwana.
Sezvataurwa pamusoro apa, iwe unozofanirwa kuve nenhamba yeITIN. Kana iwe usati uine imwe, unofanirwa kunyorera iyo ITIN nhamba kuburikidza neiyo IRS. Iyi fomu yeiyi ndiyo W-7. Kubva pano iwe unofanirwa kuve nemagwaro eako nhoroondo yechikwereti. Yako nhoroondo yechikwereti inovaka nekufamba kwenguva kuburikidza nemotokari chikwereti kubhadhara, makadhi echikwereti, kana mamwe marudzi echikwereti.
Iwe unofanirwa zvakare kugadzira inowirirana nhoroondo yekuhaya. Vazhinji vakweretesi veITIN vanofara kuona makore maviri ekubhadhara mari yerendi sezvo zvichizovabatsira kupa mamwe magwaro ekururamisa chikwereti. Izvi zvinobatsira kuratidza kuti iwe unozogona kuita remangwana regeji kubhadhara nemari yapfuura data.
Nhoroondo yebasa yakakoshawo sezvo ichikosha pakuita. Nhoroondo yebasa kweanenge makore maviri inowanzo kuve shoma chinodiwa.
Maitiro ekuita zvekutenga imba
Panguva ino, uchafanirwa kutsvaga mupi wechikwereti uyo anogamuchira nhamba dzeITIN. Nhanho inotevera ichave yekutora chikwereti chisati chatenderwa. Maitiro aya anosanganisira mutengesi anounganidza nhoroondo yako yechikwereti. Vazhinji vakweretesi vanoda yakawanda nhoroondo yechikwereti, asi vamwe vanogona kugamuchira zvinoshandiswa nemabhiri uye nemaroji marekodhi. Pakangotenderwa nemubatsiri wako, iwe unogona pakupedzisira kutanga kutsvaga imba yaunoda kukwana yako pre-mvumo bhajeti.
Zviri Mukati
- ITIN zvinodiwa nechikwereti
- Wepamusoro ITIN Mortgage Lenders
- Zvakanakira nezvakaipa zvezvikwereti zveITIN
- Kubatsira:
- Kukanganisa:
- Kakawanda mibvunzo
- Maitiro ekuwana imba mogeji ine mutero chitupa nhamba (itin)
- Chii chinonzi ITIN nhamba?
- Tora mogeji
- Matambudziko aungasangana nawo
- Pre-yekutarisa usati watenga imba
- Maitiro ekuita zvekutenga imba