Chii Chinodiwa Kuvhara Escrow?
Mari yekuvhara iri pamusoro pe (kuwedzera kune) mutengo wekutenga. Izvi zvinogona kuuya sekushamiswa kamwe kamwe kune vengi vatengi veimba vanoona kungotarisa kuwanda kwekubhadhara kwavo pasi, kunyanya kana kubhadhara kuri pasi kwakanyanya. Vangave vasina mari yakawedzera yekubhadhara mari yekuvhara kwevatengi, uye pasina mari yekuvhara, mutengesi haugone kuvhara zvachose.
Ndezvipi Zvakavhara Mari?
Sokutonga kwechigunwe , kuvhara mari yekutenga imba inenge inenge 2 kusvika ku4 muzana yemutengo wekutenga, uye inenge yepakati pe 3% yemutengo wekutengesa. Zvakawanda zvinoenderana nehutano nemari yekutanga kubva kune chikwereti chekubhadhara chikwereti, icho chakashandiswa kuzarurirwa kune Mutengi Zvakanaka Kutaridzirwa, asi nhasi ikozvino kunonzi kudhadharwa chikwereti.
Mari yekuvhara yose yekutenga musha we $ 300 000 inogona kutenga chero kupi zvako kubva ma $ 6,000 kusvika kune $ 12,000 kana kupfuura. Kazhinji, mari haigoni kukweretwa nokuti iyo inogona kusimudzira mutengi maonero ayo pane iyo apo mutengi angasazokwanisa kubhadhara chikwereti.
Where Can Buyer Can Get "Free" Zvokuvhara Mari?
Dzimwe nguva, vatengi venguva yekutanga vatengesi vanogona kuwana mari yavo yekuvhara inobhadharwa nebazi rehurumende. Zvichienderana nezvamunogara, zvingava zvine musoro kutarisa munharaunda kana kuti pasi pasi purogiramu rubatsiro rwekubhadhara. Hazviiti chete kuti mapurogiramu aya anopa mubhadharo wekutenga kutenga imba, asi kazhinji vanogona kukupa kana kubhadhara mari yekuvhara .
Zvirongwa zvinopa mari yekuvhara mutengi rubatsiro runowanzoburitsa chiridzwa mune zvinyorwa zvevanhu zvinopa rubatsiro rwechikwereti asi kazhinji zvinotakura zero uye hazvina nguva yakatarwa. Iko inowanzobhadharwa panguva yekutengeswa kana pamusoro pekunatsiridza, chero chekutanga kuitika.
Non-Recurring Buyer Kuvhara Mari
Mutengo wekuvhara mutengo wemutengesi unobhadharwa kamwe chete uye hauzotauri zvakare kusingadzokeri. Iyi mitero ndeyekuti nguva imwechete mhosva yezvinhu zvakadai se:
- Musoro Policies
- Escrow kana kuvhara
- Notary
- Wire madhora
- Courier / Delivery
- Mhosva yemhosva
- Zvinotsigirwa
- Kurejera
- State, County kana City Transfer Taxes
- Home Kudzivirira Zvirongwa
- Dambudziko Rezvisikwa Kuzivisa
- Pamba Kuongorora
- Mari yekubhadhara mari inobhadharwa pamwe chete nemukwereti pachikwereti chikwereti.
Recurring Buyer Kuvhara Mari Dzakawanda - The Prepaids
Kudzokorora mari ndeyemari yekuvhara kwevatengi iwe waucharipa zvakare uye zvakare. Vanowanzobhadhara mari yakaunganidzwa musati yavhara mavharosi ekubhadhara mari uye kutanga magwaro / mapepa ekukwira. Zvinosanganisira mari yakadai sokuti:
- Moto Insurance Premium
- Mafashamo Inishuwarenzi (kana ichidiwa munharaunda yako)
- Imisoro Mitero
- Mutengo weMunhu mumwechete kana wega Mortgage Inhengo dzeMarikiti
- Inofanirwa Kufarira
Nguva yegore raunopfigira icharaira kuti mwedzi yakawanda yeporata yemarikiti iyo anokweretesa achaunganidza kuti arambe achibhadhara mitero yemitero uye inshuwarisi.
Hazvirevi chikwereti chose chinoda kuvhara kana kukwidza nyaya, asi kazhinji zvikwereti zvinodarika 80% zvekutenga kwako zvichange zvichitsvaga purogiramu yekodzero / escrow.
Ko Mutengi Anokwereta Mutengi wekuvhara Mari?
Nguva dzose chengetedza nemukweretesi wako usati wataurirana nezvekupa iyo inosanganisira mutengesi chikwereti nokuti mukwereti angasabvumira. Zvakare, TRID haigoni kubvumira kushanduka kupi zvako mumashoko ekuvhara kwako mumazuva ekupedzisira ekuvhara mutengesi wako.
- Kana iwe uri kubhadhara mari yezana yematengo ekutenga, uyo anokweretesa angagona kuderedza chikwereti chako kune 3% yemutengo wekutenga.
- Zvichienderana neFICO yako chikamu uye chikamu chekubhadhara kwako pasi, uyo anokweretesa angabvumira mutengesi kukukwereta iwe zvakanyanya se 6% yemutengo wekutenga.
- Vatengesi havazoregi chikwereti kugamuchira mari kubva kune mutengesi pakuvhara, zvisinei nokuti chii chamunonzwa pane avo vasina-mari-pasi seminamato .
Panguva yekunyora, Elizabeth Weintraub, CalBRE # 00697006, ndiye Broker-Associate kuLyon Real Estate muSacramento, California .