Account Impound Options uye Zvisarudzo
Chii Chinonyanya Kuita Nhoroondo?
Mune dzimwe nzvimbo dzenyika, idzi nhoroondo dzinoshandiswa sezvikwereti zvinokurudzira. Mashoko aya anoshandiswa zvakasiyana. Impound Accounts ndeyezvikamu zvakasiyana-siyana zvekuchengetwa kwemari zvakagadzirirwa nekutora chikwereti chikwereti kubhadhara mitero yemitero uye pfuma inshuwarisi panzvimbo yeimba yeimba. Mukwereti anounganidza mari yegore negore yakaenzana ne1 / 12 yemari yose inokwana.
Muenzaniso weA Account Compound Payment
Kana mitero iine $ 1200 pagore, uyo anokweretesa achatora $ 100 pamwedzi. Kana iyo premium inshuwalisi iine $ 600 pagore, uyo anokweretesa achaunganidza mamwe $ 50. Iyi ye $ 150 inoshandiswa kubhadhara kubhadhara iyo inowedzerwa kumutero mukuru uye mutengo wekubhadhara kuti uenzane mubhadharo wakakwana. Iyi yebhadharo yose inotumidzwa sePITI, zvinoreva kuti inokosha, inofarira, mitero, uye inshuwarisi.
Kugadzirisa Aunti Yakajeka
Vatengesi vanogara vachida kwemwedzi mishomanana emadhora emari muchengeterwa. Kana mitero yako uye chikamu cheinshuwarisi chiri $ 150 pamwedzi, uyo anokweretesa angada kuti $ 300 sefambisi.
Pamusoro peiyo, apo nheyo dzinoshandiswa dzinotanga kusimbiswa, premium yerurimi inobhadharwa mberi asi mitero haisi. Kazhinji, mitero inobhadharwa pavanouya nekuda, iyo inyika dzakawanda inowanikwa kaviri pagore. Kana mitsara iri kuuya, tarisa, munaNovember, uye chikwereti chako chiri kupera munaSeptember, uyo anokweretesa anogona kunyatsoda kuti mwedzi 7 kana 8 yemiti inobhadharwa pakuvhara.
Nhepfenyuro Inowanika Sei?
Kana chikwereti chakanyatsogadziriswa pamutengo wakatarwa wekufarira, mutero mukuru uye wekubhadhara hauzoiti kana kuwedzera. Zvisinei, mitero inowedzera (inowanzowa). Inishuwarenzi inowedzera kuburikidza nezvakawanda zvakaoma kubva kumakambani einishuwarenzi. Asi inshuwarisi yakavharidzirwa inowanikwa dzimwe nguva inokwira zvakare nokuti inodhura gore rose gore roga kuvakazve imba pangoitika njodzi.
Dzimwe nguva vatengesi havanzwisisi mari yekutanga mari uye vanocherechedza kuti kana vakaramba vachiunganidza mari yakafanana kubva kumunhu anenge akwereta, hakuzovi nemari yakakwana munyaya yekubhadhara zvikwereti apo mabhizimisi anokwana.
Iwe Ungakwanisa Sei Kuvhara Kwekambani Inofadza?
Kazhinji, une zvimwe zvingasarudzwa.
- Tenga inshuwarisi shoma inodhura
- Lower inshuwarheni inovhara (kwete yakakurudzirwa)
- Bhara mutsauko mune mari
- Bvumirana kubhadhara kubhadhara kuripo
Kana iwe uchibhadhara musiyano mune mari, iwe ucharamba uchibhadhara chikwereti muhomwe yako yechipupuriro yehupenyu hwechikwereti chako nokuti uyo anopa chikwereti achada mari iyo, kana yakabhadharwa mwedzi kana kuti yose kamwe, kubhadhara mitero uye inshuwarisi. Zvichipa kukosha kwenguva nemari, zviri nani kubhadhara chikwereti chakawedzerwa nokuti mari yako yekutengesa yakazoparadzirwa kwemwedzi yakawanda, ichideredza mari yemari.
Yeuka, dhora nhasi rinokosha kupfuura dhora kwemwedzi mitanhatu kubva zvino.
Kutanga Account Your Own Impound
Kana iwe uine chirango chekuchengetedza mwedzi wemwedzi uchibhadhara mitero yako uye inshuwarisi, ipapo kuisa imwe bhadha yekuchengetedza kwechikonzero nekuda kwechikonzero ichi zvingave zvine musoro kwauri. Ngwarira kuti kana chikwereti chako chechikwereti chinopfuura 80% chekukosha kweimba yako, wako chikwereti haagoni kukubvumira kuti uchengetedze rako pachako. Kunyanya, kana mitero yako inokwira pakupera kwegore, iwe uchazobhadhara iwe pachako kukanganisa kwekodhi mune imwe muhomwe.
Dzimwe nguva vatengesi vanotora chikamu chechina chechimwe chikwereti kune vakwereta vanoshuva kudzora zvido zvavo pachavo kana iwe uchingotora chikwereti chitsva. Iwe unofanira kubvunza pamusoro pazvo. Nokuti iwe unogona kunge usingadi kubhadhara chikwata chapamusoro chekudyidzana chete nokuda kwekodzero yekugadzirisa kero yako yemuchina.
Panguva yekunyora, Elizabeth Weintraub, CalBRE # 00697006, ndiye Broker-Associate kuLyon Real Estate muSacramento, California.