Muverengi anobvunza kuti: "Ndinonzwa sokuti ndakaita zvinhu zvose zvisina kururama.Ndakatenga pfuma iyi yakabhadharwa pakakwirira pamusika. Ndakaronga makore maviri gare gare ndikawedzera kuwedzera kwekamuri, kufunga kuti ini nomudzimai wangu tichaenda kune imwe zuva rimwe zuva Zvakanaka, zuva iroro rasvika uye iri ikozvino iri mumvura iri pasi pemvura.Iine chikwereti kupfuura zvakakosha.
Mhinduro: Vamwe vanhu vanofunga kuti sarudzo shomanana yekutengesera inongogumira kumunhu oga. Zvichida vanofungidzira izvi nokuti pane hoopla yakawanda kubva kune mamwe marudzi evakweretesa pamusoro pekuti munhu anogara pamba kana kuti haasi mudzimba, asi izvo hazvina zvishoma nezvekutengesa kwemazana. Kunyange mazano ekutengeswa kweHAFA kwenguva refu kubvira munaFebruary 2011 yakabvumira nzvimbo yega yega yega yega isina kutarisirwa kwemazuva gumi nembiri kana kupfuura.
MuCalifornia, takangotengesa imba yakawanda-chivako cheimba yevatengesi vasina kushayikwa kwekutongwa uye kusunungurwa kwakakwana kwemhosva . Zvizhinji zvezvakakodzera zvinobva pane zvinotevera:
- Rudzi rwako rwechikwereti
- Mutengi wako
- Ita mitemo
- Type of property
- Matambudziko
Haisi nguva dzose kuti uwane dambudziko - mari kana zvimwe - kuita zvishomanana. Vamwe vanokweretesa masangano akadai seBhange reAmerica , somuenzaniso, vanonyanya kutengeswa.
Bhizinesi reAmerica rine mapurogiramu mashomanana ekutengeserana akawanikwa anosanganisa zvishoma kumatambudziko. Zvimwe zvezvirongwa izvi zvinokubhadhara kuti uite zvishomanana kutengeswa, asi kazhinji hazvirevi maererano neimba yekutsvaga.
Kugadzirira Kutengeswa Pfupi Pamusoro peInvestment Property
Chinhu chekutanga chekuita ndonyora tsamba yakaoma .
Ndinoziva kuti ndangoti iwe hausi nguva dzose unoda kuratidzira dambudziko, uye izvi ndezvechokwadi. Asi iwe unogona kunge uchida kubereka tsamba yakaoma. Iwe unogona kunge uchida kukumbira kutengesa kutsva uye chimiro nei uchichida.
Heano mamwe magwaro anokweretesa angakumbira:
- Inofananidzwa nemakethe kuongorora. Mukuru wako anogona kugadzirira CMA yekuendesa kubhangi kusimbisa kukosha. Bhizinesi richave richiri kurongedza BPO yayo pachayo. Zvisinei, iyo CMA ichakweretesa kuvimbika kune chikumbiro chako.
- Federal tax return. Yese purogiramu nemapeji. Kana iwe uine imwe nzvimbo yekutsvaga iyo inoratidzirwa pamitero yako yemitero, inogona kuva nguva yakanaka yekufunga zvishoma kutengesa zvose zvavo panguva imwechete.
- W2, 1099 kana imwe humwe uchapupu hwekuwana mari. Idzi ndidzo zvinyorwa zvinouya nekutora mutero wako.
- Payroll stubs . Bhizinesi rekutengesa diki rinowanzoda kuona uchapupu hwemari yako yezvino uye nhamba dzaro-kusvika-zuva nhamba.
- Bank statements . Mamwe mapepa emwedzi miviri yapfuura kubva kumabhengi ese ebhangi, kusanganisira mari yekubvisa mari. Izvo zvisingawanzoiti kubhengi kukumbira mutengesi wevatengesi kubva pamari yekubvisa mari.
- Listing agreement. Ichi ndicho chibvumirano pakati pako nemugoti wako weimba yekutengesa kutenga yako.
- Purchase contract. Chibvumirano chekutenga chichava nemitemo nemitemo inoshandiswa pakutengeswa kwepfuma yako, kusanganisira rudzi rwekubhadhara mari, kana pane, kubhadhara kuripo uye mutengo wekutengesa.
- Buyer's evidence of money and / or preproproval letter . Mutengi wako achada kuona kuti mutengi akakodzera uye anokwanisa kupedzisa mutengesi.
- Mushumo wekuvhara unofungidzirwa kana HUD-1. Pasi pfupi nenyaya dzakanyanya. Zvisiri-zvinowanzoshandisa mari zvingangove zvisingabvumirwi.
Kubatsira Kwenguva Pfupi Kutengesa Imari Imiti
Ndacherechedza kuti dzimwe nguva vatengesi vanonyatsoteerera nevatengesi vepfuma yekutsvaga kupfuura ivo varipo pavanenge vachitengesa nevatengesi vekugara. Iwe unofunga kuti ingadai iri imwe nzira iyo yakapoteredza, asi haisi. Ndinofungidzira kuti ndechokuti mari zhinji inofanirwa kutengesa mari kana kuti kuonga kukosha. Saka, kana chivako chakanyanyisa pasi, zvichida haisi mari inoyerera uye haifaniri kufungidzirwa kushandiswa mumaziso omurimairi.
Kana nzvimbo yekugara iwe iwe, zvakadaro, yakanyanyisa pasi, ichiri imba yako.
Vanhu vazhinji havatengi imba yekutsvaga kana inotengwa senzvimbo huru yekugara. Nokudaro, mabhangi anotora zvimwe zvikonzero pakufunga apo pfupi kutengesa imba. Kazhinji, kuva pasi pemvura hazvina kukwana chikonzero chekutengeswa kwekupedzisira imba yekugara.
Vashambadziri vanoita sevanoda zvikuru kutengesa imba iri pasi pemvura kana isisina mari inoyerera uye inopera pasi. Kana bhengi inoda rubatsiro rwevatengesi, vatengesi vanowanzowanzova nharaunda yekuripa nokuti vanonzwisisa kubhadhara mari yakashata.
Kuita zvishomanana kutengeswa kwedzimba yekusimwa kunowanzokurumidza uye nyore. Izvo zvakakonzerwa nemushumo wechikwereti pasina kushayikwa kwekutongwa zvinowanzoita zvishoma kudarika kubhadhara zvikwereti nekutangira.
Pitfall Kukutengesa Imari yePfuma Sokutengesa Pfupi
Sezvo nekutengeswa kushoma, tsvaga mutemo nematare emitero usati wabvumirana nekutengesa kutsva. Nokuti imba yacho haisi yekugara kwako, iyo inogona kugamuchira kurapa kwakanakisisa, iwe unogona kunge uri pasi pekubhadhara mitero pamusoro pekupararira pakati pezvako uye mutengo wekutengesa.
Iwe unogonawo kuva pasi pekushaiwa kwechikwereti, iyo ndiyo misiyano pakati pemari yawakakwereta uye mari yakabhadharwa nebhangi. Vakawanda vokuCalifornia vatengesi vandakasangana nevanobhadhara mitero yakakwana uye vamiriri vepamutemo vanowanzowana nzira dzekushanda pamativi maviri aya matambudziko, asi vatengesi mune dzimwe nyika vangave vasina hanya.
Panguva yekunyora, Elizabeth Weintraub, DRE # 00697006, ndiye Broker-Associate kuLyon Real Estate muSacramento, California.