Unofanira Kurindira Kutenga Mumusika Wakarereka wekuwa Kwemari Mari?
Vamwe Vatengi Vekumba Vanofanira Kutenga Pakarepo, Kunyange Mumutengo Wakarereka
Iwe unenge uchifunga kuti: "Zvechokwadi, iye aizotaura izvozvo.Iye Realtor , uye vamiriri vanogara vachitaura kuti 'Ino ndiyo nguva yakanakisisa yekutenga.'" Zvakanaka, pano chikonzero nei musingadi kumira kumirira pasi misika.
- Kana iwe uri mutengesi anoda kuendesa kune imwe imba inodhura mumusika wepamusika, ikozvino inogona kuva nguva yakanakisisa. Kana iwe uchimirira kutengesa, iyo yakaderera mutengo wemusha wako unogona kuwira.
- Kana iwe uchikwanisa kuronga kune dzimwe dzimba, zano rakanaka nderokutengesa ikozvino, kumirira mwedzi mishomanana, ndokutenga imba yako itsva kana iwe usina chaunopa .
- Kana iwe uchitengesa uye utenga kamwe chete, iwe uchange uchiri mberi kwemutambo nokuti kuderedzwa kwematengo pakutenga kwakawanda kudarika kurasikirwa pakutengeswa.
Funga nezve "Kurasikirwa" pakutengesa Imba Yako Yazvino Munharaunda Yepasi
Semuenzaniso, taura kuti imba yako iripo inokwana $ 300,000, asi nekuda kwekutsvaga kwepamusoro uye vatengi vashoma, unofanira kuderedza mutengo wako ne 10%. Saka, pane kugamuchira $ 300,000, iwe unogona kuwana $ 270,000 uye "kurasikirwa" $ 30,000.
Funga Nezvaunobatsirwa Nayo Mumusika Wepasi
Zvino, funga izvi. Iti iwe wakatenga iyi imba gumi makore apfuura uye wakabhadhara $ 100,000. Iwe uchiri mberi $ 170,000, zvishoma kudhura kwekutengesa, hausi iwe here?
(Izvi zvinorega kubhadhara mari yemwedzi pamwedzi, asi iwe unogona kuita izvozvo kana uri kukwereta, zvakare.)
Funga nezve "Kuponesa" Mukutenga Imba Yenyu Idzva Mumusika Wepasi
Kana uri kuronga kuenda kune imwe $ 500 000 yeimba, iyo iri mumatengesi akafanana, iwe unogona kutengesa imba iyo imwechete 10% kutora kana $ 450,000.
Zvinoreva kuti iwe wakachengeta $ 50,000.
Kudzokorora kwekutengesa nekutenga nhamba
- Saka iwe "wakarashika" $ 30,000 pakutengeswa kweimba yako
- Asi iwe "wakaita" $ 50,000 pakutenga kwemusha wako mutsva
- Hazviiti here kuti uwane $ 20,000 mberi?
Usakanganwa Maitiro Ezvakanaka Mutengo
Ndeipi nzira inofanirwa kuwedzera kufarira kutama? Vari kufamba kana kutama pasi here? Kana zvikwereti zvinenge zvichiswedera nguva dzose pasi uye uchitanga masendimita zvichikwira, kumirira kunogona kukubhadhara kupfuura iwe waunofunga. Iwe unogona kunge usingagoni kutenga kutenga imba pane chero mutengo. Kutevera ndezvinoitika kana uri kutsvaga chikwereti chakakomberedza $ 400,000.
- CHOKWADI: Nhengo imwe neimwe ye22 inowedzera muhuwandu hwekuda kwako inopa $ 25,000 pasi mukutenga simba.
- CHOKWADI: Nhamba imwe neimwe inowedzera munharaunda yako yekutora inokupa $ 50,000 pasi mukutenga simba.
- CHOKWADI: Zvose zviviri zvinowedzera muhodha yako inokupa $ 100,000 pasi mukutenga simba.
Tarisa Kusiyanisa Pakati Pekutenga Mitengo maererano neIndaneti
Kana iwe ukaisa pasi 20% uye ukawana chikwereti chinokwana makumi masere (80%), chikwereti chako chikuru uye chikwereti pamatengo ekutenga anotevera:
Mari iyo inenge yakafanana. Zvisinei, imba yaunokwanisa kutenga pane 8.25% iri $ 100,000 pasi peimba yaunokwanisa kutenga pa 6.25%.
Kana iwe wakamirira kuti mitengo iwedzere kuwedzera, iyo yakanzwisiswa kukosha ingarasika nekuda kwekukwirira kwemari.
Nzira yakanaka ndeyekutarisa zvose zvinobudirira uye zvekugara kwehumba hwehudziro usati waita chisarudzo chekutenga kana kutengesa. Usavhunduka pamusoro pezvinyorwa zvepapepanhau. Ita chisarudzo chakanaka. Mhanya nhamba yako pachako. Taura nemunhu ane ruzivo rwemuzinda wehumba uyo achaisa zvaunofarira pakutanga.
- $ 425,000 mutengo wekutengesa, pa8.25% mubereko, kubhadhara kwako kuri $ 2,554.
- $ 450,000 mutengo wekutengesa, pa7,75% mubereko, kubhadhara kwako $ 2,579.
- $ 475,000 mutengo wekutengesa, pa7.25% mubereko, kubhadhara kwako kuri $ 2,592.
- $ 500,000 mutengo wekutengesa, pa675% mubereko, kubhadhara kwako $ 2,594.
- $ 525,000 mutengo wekutengesa, pa6.25% mubereko, kubhadhara kwako kuri $ 2,586.
Panguva yekunyora, Elizabeth Weintraub, CalBRE # 00697006, ndiye Broker-Associate kuLyon Real Estate muSacramento, California.