Mubvunzo: Ndiani Mukutengesa muShupfumi Pfupi?
Mumwe muverengi anonyora kuti: "Ini ndakasaina mapepa akawanda pandinoisa imba yangu pamusika sekutengeswa pfupi kuti handikwanise kuyeuka zvandakavimbisa kuita kana kuti ipi zvayo yemapepa anoreva.Aiti wangu anoti bhangi inobhadhara zvose mari inotengeswa, asi haisi kutarisa nzira iyo kwandiri.Akatumira ini kupiwa chiratidzo chekuti "mutengesi anokwereta musoro nekutengesa." Ndizvo here kana kuti iyo ibhangi ndiani anopa mutero? Ndianiko mutengesi mukutengeswa kwekfupi? "
Mhinduro: Kutanga, regai nditaure kuti kana uri kushamisika kuti mutengesi ari kutengeswa pfupi , hausi wega. Kunyange vatengesi vanofanirwa kuziva mhinduro kumubvunzo iwoyo kwete. Kunyange vamiririri vanofanirwa kuziva mhinduro kumubvunzo iwoyo kwete. Icho chikamu chechikonzero nei muongorori wako achikuudza iwe bhangi kuripa zvose zvinotengeswa mukutengeswa pfupi. Asi mushandi wako haasi chaiwo uye anogona kunge ari kutora nzira iri nyore.
Izvo zvinonzwika kwandiri sokunge iwe unogona kuva nekutendeseka nyaya inoenderera mberi newayo wega. Apo nhengo inoratidza zvirongwa zvekunyoresa newe, iyo mumiriri arikugadzira ukama hwekutenda newe. Izvozvo zvinoreva kuti mujeri anofanira kushanda mune zvaunofarira. Izvo zvakaoma kumushandi kuti aite basa iroro kwauri kana fiduciary isipo. Iwe unofanirwa kuvimba nhengo yako kuti ive fiduciary neavo agent. Pasina kuvimba, iwe ungangodaro wakaputsa ukama hwehutano.
Mhinduro yangu ndechokuti iwe unokumbira mujeri wako kuti akatsanangurire fiduciary kwauri, uye kutsanangurira kwauri ndiani mutengesi mune kutengeswa pfupi.
Izvi hazvifaniri kuva basa rakaoma kumushandi wako uye, chaizvoizvo, zvinowanzozogamuchirwa newaini yako.
Ndiani anoronga mari iyo muShamba shoma
Kutengeswa pfupi hakusi kwakasiyana nedzimwe rudzi rwekutengeserana kusvika kune zvinodhura. Chirevo chako chekuvhara nemari inenge yakabhadharwa inofanana zvikuru nedzimwe shanduro yekutengesa.
Inoshanda seiyi:
- Iti iwe uri kutengesa imba yako ye $ 100,000. Iwe ndiwe mutengesi.
- Mutengi anokupa iwe $ 100,000, kana kuburikidza nekubatanidzwa kwekubhadhara pasi uye chikwereti, kana kuti zvimwe mari yose. Hazvina basa. Pakupedzisira, unowana $ 100,000.
- Chokutanga, iwe unobhadhara komisheni . Kana iri 7%, iwe uchabhadhara $ 7,000 kune iyo inonyorwa broker. Izvo zvakatengeswa broker zvino inopa muenzisi wekutsvaga, mutengi wemutengesi, uye mutengi wemutengesi anokwereta mutengesi wemutengesi. Ikoko kunogona kunge kune vanyori-vashandi vevashandi vanobhadharwa kubva kune $ 7,000, asi chokwadi iwe iwe zvino une $ 93,000 yakasara.
- Kubva pa $ 93,000, iwe unogona kunge une imwe $ 3,000 mumari. Iyi mitero inogona kubhadhara mari yepamusoro, mari yekubhadhara, mari yekurekodha, mitero yezvipfeko, mitero yemitero, mari yekuendesa, pakati pezvimwe zvikwereti. Kana iyo yose inokwana $ 3,000, somuenzaniso, iwe zvino uchava ne $ 90,000 yakasara.
- Mari ye $ 90,000 ndiyo inowanikwa mumutengo . Iwe haugoni kuchengeta mari iyoyo nokuti iwe unokwereta bhangi. Iwe unogona kunge uine chikwereti mari yakawanda kupfuura $ 90,000, asi kana bhengi iri kutengesa imba yako seimba yebhangi , iyo yakanyanya kubhengi yaigona kuwana ingava $ 100,000 yawakapiwa chete nokuda kwekutengeswa kwechidimbu.
Saka, kubva kubhangi haigoni kuwana zvinopfuura izvozvo nokuti $ 100,000 inotengeswa pamusika, bhangi ichabvuma $ 90,000 yako. Misiyano chete pakati pekutengesa pfupi uye kushandiswa kwemazuva ose, sezvaunogona kuona, ndeyekuti hausi kuisa mari muhomwe yako. Muchiitiko chenguva dzose, iwe unogona kuisa purogiramu yemutengo mushure mekubhadhara kubhangi nokuti iwe unenge uine izvo zvinonzi kutarisirwa. Mukutengeswa pfupi, hauna hutano nokuti wakarasikirwa nehutano hwako .
Izvi zvinoreva iwe iwe mutengesi. Bhengi haisi iye mutengesi. Muridzi wacho ndiye mutengesi, uye muridzi wacho anobhadhara mari yekutengeswa kubva pane zvakatengeswa.
Iko Bhengi Chaizvoizvo Mutengesi Wenguva Pfupi?
Vamwe vanhu vanopikisa kuti bhangi iri chaizvoizvo mutengesi wekutengesa kutsva nokuti bhangi inokwereta mari yakawanda kupfuura imba inotengesa, asi izvo hazvisi zvechokwadi. Izvozvo ndezvokuti chigaro chinoramba chiripo nemutengesi kusvikira mutengesi mabasa ari mumba kumutengesi. Mutengesi ndiye muridzi.
Inoshanda nenzira iyi muchokwadi, zvakadaro. Iti, iwe unokwereta $ 200,000 kubhangi, asi imba yako inokwana $ 100,000 chete. Kana bhangi iri kurasikirwa ne $ 10 000 kubva pane zvawanikwa, nokuti mari yekutengesa yematare inongova $ 90,000 chete, iyo inoita kuti bhangi ifare zvikuru uye inotengeswa mumutengo wekutengesa.
Kunyange zvazvo bhangi hairi kubhadhara mari yekutengesa, mari yose yebhangi inogona kumisa mutengesi kubva kubhadhara kuenda muhomwe yebhangi. Nokuti bhagheni inowana mari yasara. Ndicho chikonzero bhengi rinotarisira kuti mutengesi anotengesa zvakadini pakuvhara mari .
Asi mutengesi achiri mutengesi, uye bhangi ichiri bhangi.
Mubvunzo unoramba uripo kana bhengi risati rapa mvumo yekubhadhara mari kana mari inotengeswa pfupi, ndiani anoritora? Kana mubhadharo usina kubvumirwa, zvinoreva bhagheni harizobvumi kuti ribviswe kubva pamari yakawanda. Asi mari yacho ichiri kudiwa kubhadharwa. Muzhinji dzekutengeswa kwangu kwemadiki, ndinokumbira mutengi kubhadhara chero mari isina kubvumirwa.
Kazhinji, kubhadhara mari dzisina kubhadhara kunotaurirana. Zvisinei, muHAFA kutengeswa pfupi , mutengesi haana kubvumirwa kubhadhara chero chimwe chinowedzera. HAFA shopu shoma haisisiri kushandiswa. MuCalifornia, SB 458 inorambidza kuCalifornia vashambadzi vashambadziri vatengesi kubva kubhadhara mari chero ipi zvayo kubva kunze kwepakona, sezvinoratidzwa neCalifornia Civil Code 580e.
Panguva yekunyora, Elizabeth Weintraub, DRE # 00697006, ndiye Broker-Associate kuLyon Real Estate muSacramento, California.