Kuenzanisira kunze kwekudhura kuswedera pamba
Mukuedza kupa zvakawanda kuzivisa kune vakwereta, hurumende yehurumende ikozvino (yakagadzirika yaOctober 3, 2015) inoda kuti vatengi vape vanotarisira vanenge vachikwereta nezviitiko zveMari.
Mari Yenhanho Inotsanangurwa
Kuongororwa Kwechikwereti ndiyo fomu inowanikwa kune vanotarisira kubhadhara nevakweretesi. Inopa tsanangudzo yakajeka pamusoro pekubhadhara mari pamwedzi. Kusiyana neGFE, kuongororwa kwechikwereti kunotaridzirwa PITI uye ruzivo pamusoro pekuti vangadai vakwereta sei mari inogona kuchinja kana chido chezvikwereti chichiwedzera mune ramangwana. Mari Inotarisirwa inopawo ruzivo vatengi vanofanira kuziva - asi vangave vasingayeuke kubvunza nezve - sekubhadharwa kwekubhadhara kwekubhadhara uye kana kusagadzikana kusina basa kunoshanda kune zvikwereti. Mari Inoshandiswa kushandisa shanduro iri nyore kutsanangura mazwi echikwereti. Vanotora chikwereti vanofanirwa kucherechedza kuti Imari Yakakosha, pasinei nokuti yakajeka sei, haina kuvamanikidza kuti vashandire chikwereti nekwereta.
Cherechedza kuti mutemo uchiri kubvumira GFEs zvekudzorera mari.
Zviitiko zvekuvhara zvakafanana
Vamwe vashandi vemusha vanovhiringidzika pavanoona kuti dzimba dzinowanzobhadhara zvakawanda kupfuura iyo yakatarwa mutengo. Paunotenga motokari, somuenzaniso, vatengesi havaiti mari uye mimwe mitero. Asi kutenga imba yakasiyana.
Kunyange zvazvo mutengi asingabhadhara mutero wekutengesa kune imwechete-mhuri kana mudzimba, mutengi anotora mari yakawanda yekuwana chikwereti uye kugadzira mapepa ekutenga imba.
Mari yekuvhara inenge inenge 3 muzana yemutengo wekutengesa apo imba inotengeswa kupfuura $ 200,000, uye chikamu chikuru chinoshanda apo mutengo wemusha uri pasi pe $ 200,000. Mari yekuvhara yakafanana yevhavha:
- Impound / escrow account cost: Vatengesi vangada kuti mutengi agadzire kambani yekuchengetedza inobatwa nemunhu anokweretesa kumubhadharwa kwemitero uye inshuwarisi.
- Mareji uye magwaro ekuvhara mari: Vanhu vanogadzirira magwaro ekuvhara uye basa rekubhadhara mari.
- Nhepfenyuro yemainshuwarisi: Chikoro chemakambani anotengesa kubhadhara mutengo wemishonga inodzivirira kune chikwereti uye mutengi.
Zvisingadzokeri Kuvhara Mari Dzokuvhara
Mari iyo inobhadharwa kamwechete uye haisati yambodanwa inonzi isiri yadzo. Iyi mitero ndeyekuti nguva imwechete mhosva yezvinhu zvakadai se:
- Mutemo webhuku
- Escrow kana kuvhara
- Kuongorora
- Chirongwa chekwereti
- Notary
- Wire madhora
- Courier uye kutengeswa
- Mhosva yemhosva
- Zvinotsigirwa
- Kurejera
- Mitero yekutambisa mitero
- Home kuchengetedza chirongwa
- Dambudziko rezvisikwa kuzivisa
- Imba yekuongorora
- Mari inokweretwa kune chikwereti pamwe chete nemutero.
Kudzokorora Mari yekuvhara
Kudzokorora mari ndeyezvipupuriro zvauchabhadhara zvakare uye zvakare. Zvinosanganisira mari yakadai sokuti:
- Inishuwarenzi yemoto inonzi premium
- Inishuwarenzi yemafashamo (kana ichidiwa munharaunda yako)
- Property tax
- Mitero yemuviri kana yega ye mortgage yunivhesiti
Kana mukwereti wako achitora tsamba yako yekufananidza, inosanganisira kuverenga kuratidza kuti une zvakawanda zvakachengetwa kuti ubhadhara mari yekuvhara kwako. Somuenzaniso, imba inodhura $ 300,000 inogona kudhura $ 309,000 kana une $ 9,000 mukuvhara mari yekubhadhara. Izvo zvinoda kusvika 3% yemutengo wekutengesa.
Kana iwe usina mari yakawedzerwa, iyo inogona kunge yakakosha. Zvisinei, nzvimbo yako inogona kupa mapurogiramu ekutenga kumusha kwekutanga-kare ayo achakubvumira kuwana chikamu chechipiri chekutenga chikwereti, kazhinji pasina mari yekubhadhara, kuvhara mari yako yekuvhara. Iwe unogona kubvunza chikwereti chako chekutengesa uye yeimba yemugovera wekugadzirisa purogiramu yakadaro.
Iyi yechipiri yekubhadhara zvikwereti zvinowanzozivikanwa semunhu asingatori chikwereti sezvo pasina kubhadhara uye haifaniri kubhadharwa kusvikira iwe uchitengesa imba kana kungosarudza kuribhadhara.
Iwe unogonawo kuwana mari kubva kune nhengo dzemhuri pamwe neshoko rekupa kuti ubatsire kubhadhara mari yekuvhara. Ingorega kurega kuti iwe hauna mari yakakwana yokubhadhara mari yekuvhara inomisa iwe kutenga imba.
Panguva yekunyora, Elizabeth Weintraub, CalBRE # 00697006, ndiye Broker-Associate kuLyon Real Estate muSacramento, California.