Real Estate Zvitsva zvevatengesi nevatengi
Vakawanda vanotenga zvibvumirano zvinoshandiswa muimba yekutengesa zvine zvigadziro zvezvikwereti pakati pevatengesi nevatengi. Usati wasayina kontrakiti yokutenga, unofanira kuiverenga kuti uone kuti zvikwereti zvinoshandiswa sei, nokuti iwe unogona kutsvaga shanduro ye verbiage pamusoro pezvipfeko.
Muzviitiko zvakawanda, asi kwete vose, vatengi vanobhadhara nokuda kwezvipfeko. Mhosva inotaridzika sechibvumirano pamashoko ekuvhara kwevatengi uye sechikwereti kudhipatimendi rokuvhara kwevatengesi.
Izvo zvikwereti zvinowedzera mari yevatengesi uye vanobhadhara mutengesi wezvinhu izvo mutengesi akabhadhara kuitira nguva iyo mutengesi haazotori pfuma yacho.
Mortgage Interest Zvitsva
Kusiyana nerenda, iyo inobhadharwa zvisati zvaitika, kutora chikwereti chibhadharo inobhadharwa mushure mekupedzisira. Apo iwe unobhadhara mari yekubhadhara chikwereti musi waJanuary 1, somuenzaniso, inopa chikwerero chaDecember.
Panzvimbo itsva yekubhadhara chikwereti, vanokweretesa vanoda kutora chikwereti kusvika mazuva makumi matatu isati yatanga kubhadhara chikwereti chekubhadhara chikwereti . Izvi zvinoreva kana iwe ukavhara, uchiti, November 15, kubhadhara mari yako yokutanga inofanira kuitika munaJanuary 1. Mutambo waJanuary 1 kubhadhara mari ichabhadhara chido chaDecember.
Somunhu akakwereta, iwe uchabhadharwa mazuva gumi nemashanu kubva kune chirevo chekuvhara kwako, kubvira munaNovember 15 kusvikira kuDecember 1. Kuona kufarira kwako kwekugadzirwa kwezvinhu mumamiriro ezvinhu aya, heino chirevo:
- Mari yechikwereti x Mubairo weNhanho = Chido chegore negore.
- Mutambo wegore negore wakaparadzaniswa nemwedzi gumi nemaviri = Mutambo weMwedzi .
- Mutambo weMwedzi wega wega wakaparadzaniswa nemazuva makumi matatu = Zuva reNyika.
- Zuva reNharaunda x 15 Mazuva (kubhadhara chikwereti kusvika Dec. 1) = Mutengo wekuda Kwekuda.
Iyo iyo nyanzvi inoshanda kune vatengesi vanofanira kubhadhara kufarira pamwe chete nemari yekukweretesa, zvichienderana nemutengo wemunhu anenge achikwereta.
Real Property Tax Prorations
Zvose hurumende inotsika iyo yekutengesa mutero wegore rekare.
MuCalifornia, somuenzaniso, gore rekarenda rinobva munaJuly 1 kusvika kuJune 30th. Chokutanga, tsvaga kuti nzvimbo yako inounganidza mitero. Vamwe vanoti vanotora pfuma mitero isati yaitika, vamwe vanounganidza mumishure, uye mamwe mapoka anoenderana nenguva yegore.
Mitero inowanzobhadharwa muzvikamu zviviri. Chinhu chinotevera ndechokuti uone kana nguva yaunenge uchivhara inosanganisira mutero webhadharo. Kana mitero ichibhadharwa, uye iwe ndiwe mutengesi, uchawana chikwereti. Kana mitero inobhadharwa, uye iwe uri mutengi, iwe uchakwaniswa. Kusiyana ndezvechokwadi kana mitero isati yasvika uye inobhadharwa - vatengesi vachawana mari yekunamatira uye vatengi chikwereti chekwereti.
Mune mamwe mamiriro ezvinhu, kunyange kana mitero isati yakwana uye yakabhadharwa, kana zuva rekuvhara kwako rava pedyo nomusi waunotora mutero, iwe unowedzera huchabhadhara mitero kubva kune yawanikwa mutengesi, kubhadhara chikamu chisina kushandiswa kune mutengesi uye kuripa mutengi maererano.
Vamwe vanoverenga vatengi havangabvunzi zvikwereti zvemutero mune kontrakiti yekutenga, kana zviri pachena kuti mutengi achatarisirwa kubhadhara mutengesi kwechikamu chemutero webhadharo. Kana iwe uri mutengesi mumamiriro ezvinhu aya, uye iwe usanzwisisi kukosha kwe "hapana kuwedzerwa," iwe uchabhadhara mitero kwenguva yausina kuwana iyo pfuma.
Muridzi weChipinda Chekugara Anoshandiswa Kukurukurwa
Sezvo masangano akawanda emunharaunda achiunganidza mwedzi wepamwedzi mari yepamusoro (mamwe HOAs musangano wegore negore kana gore negore), kana mutengesi asina kubhadhara mari, mari inobhadharwa kubva kune zvaitengesa mutengesi. Mutengesi achawana chikwereti chechikamu chisina kushandiswa chemari.
Somuenzaniso, kana mari yacho iri $ 300 pamwedzi, kupembera kwezuva nezuva kuri $ 10. Apo mutengesi unovhara musi wegumi wemwedzi, mutengesi achabhadhara mazuva gumi eAAA kana $ 100. Mutengi achabhadhara $ 200 kwemazuva makumi maviri eAAA.
Imba Yezvikwereti
Kero inowanzobhadharwa zvisati zvaitika. Vatengi vanotenga mari yekutsvaga vanotarisira kugamuchira chikwereti chechikamu ichocho chebhadha iyo inofukidza nguva iyo mutengi achange aine pfuma.
Kutengeswa kunovhara musi waNovember 15, kunosanganisira nzvimbo inobhadhara mari inotora $ 1 000 pamwedzi, yaizoita kuti mutengi agamuchire chikwereti kwemazuva gumi nemashanu ekubhadhara chikwereti kana $ 500.
Mutengesi aizowana mari ye $ 500. Kuchengetedzwa kwemari yakachengetwa nemutengesi kunoshandiswawo kumutengesi sechikwereti kune mutengi uye kubhadhara kune mutengesi.
Kupa Inishuwarenzi
Inishuwarenzi inobhadharwa kare. Vatengi vanowanzotora hutsva hutsva / bhurenisi moto pavanotenga imba . Zvisinei, kana mutengi ari kutora chikwereti chiripo chavatengesi kana kutenga pane imwe kambani yenyika , mutengi angangokumbira mutengesi kuti adzore iyo yema inshuwarisi.
Inishuwarenzi yemoto inotamiswa inoshandiswa kana kuti pasina kufunga. Nekutarisa zvinoreva mutengesi achadzorerwa panguva iyo mutengesi haasi iye pachake. Pasina kuongorora kunoreva kuti hakuzovi nekuperesa. Vazhinji vatengi vanowana mutemo mutsva nhasi.
Kubhadhara Kwezvinhu
Hazviwanzoiti kuti zvibatsiro zvakagadzirwa pakuvhara, asi zvipfeko zvinoshandiswa kune mamwe masuwa. MuSaramramento County, somuenzaniso, kana mutengesi asingabhadhara hurumende kana zvivako zveguta (mvura, gungwa remvura, gorosi), zvino zvishandiso zvinotarisa kune kuongororwa kwemitero.
Zvigadzirwa zvinobva zvabviswa kubva pamutemo wemutero wezvokukweretesa, uye mutengi anozivikanwa pamusoro pemitero yemitero inotevera. Iwe uchaona izvi zviitiko zvichiitika mukutengesa kutsva uye foreclosures nokuti, kana mutengesi asiri kutora chikwereti chekubhadhara, mutengesi angangodaro asingabhadhara zvikwereti zvinoshandiswa, kana.
Panguva yekunyora, Elizabeth Weintraub, CalBRE # 00697006, ndiye Broker-Associate kuLyon Real Estate muSacramento, California.