Tsanangudzo: PITI inotsanangurwa iyo inomirira mukuru, nharaunda, mitero uye inshuwarisi. Munhu akwereta anowanzobhadhara mutungamiri mukuru wemakore makumi matatu, izvo zvinosanganisira kufarira. Mari yako yekubhadhara mari inogona kunge isingabvumirwi kubhadhara mitero uye inshuwarisi kune uyo anenge achikweretesa, asi mapurogiramu ose ekubhadhara PITI anoita. Kuti uone mutero wemwedzi wepamwedzi nemitengo yemishuwarenzi, gore rega rega rinoparadzaniswa ne12 uye rakapoteredzwa, zvichienderana nezvinodiwa zvikwereti.
Vose vadzimba vemunharaunda vane mari yekubhadhara mitero uye inshuwarisi, kunyange zvazvo vanhu vose vasingakwanisi kubvumira chikwereti kubhadhara mitero uye inshuwarisi. Vatengi vanozvitengera muchirongwa chekugadzira chikwata kana guta rekodhi / condo, vanobhadharawo mari yevana vemunharaunda, iyo inogona kuisa kana kusasanganisira inshuwarisi.
Zvikamu zvina zvePITI
Ngatitange nokuputsa tsanangudzo yePITI.
PRINCIPAL. Tsamba yekutanga ndeye P isingamiri dziva. Icho chiri chikuru. Haisi spelled chirevo, iyo izwi rakasiyana, saka yeuka izvozvo. Nheyo ndeyemari yekubhadhara chikwereti chakabhadharwa mwedzi mumwe nomumwe, uye vamwe vangati ndiyo chikamu chakakosha chekubhadhara nokuti chikamu ichocho chinoderedza kusabhadharwa kusingabhadharwi kwebhadharo rako. Kubhadhara kufarira, somuenzaniso, hausi kuderedza chikamu chikuru chekutora chikwereti chako.
INTEREST . Izvo zvinotiendesa kune tsamba yechipiri, ini ndiri ini yekubhadhara chikwereti . Kufarira ndeimwe nzira iyo mutengesi anopa purofiti pachikwereti chako.
Mukwereti anokonzerawo zvikwereti zvinokonzera mberi zvinowedzera purofiti. Asi kufarira ndicho chikamu chikuru chebatsiro. Nzira iyo kubvisa chikwereti kwakagadzirirwa chikwereti chemakore makumi matatu, chikamu chakanyanya chekubhadhara kwemwedzi pamwedzi kunobhadhara kune chibereko, neine chikamu chiduku chekubhadhara chinoshandiswa kune mukuru.
Sezvo nguva ichienderera mberi, uye kubhadhara kunowanikwa kwemakore akawanda, apo iwe unoswedera pedyo nekuguma kwemazuva ekutora nguva, chikamu chakawanda chemari yekubhadhara pamwedzi chinobhadhara kumukuru wechidiki nemari shoma inoshandiswa kune iyo inofarira. Semuenzaniso, chikwereti chemadhora mazana maviri nemakumi maviri (5 000) chikamu chemakore makumi matatu nemakumi matatu = $ 1,073.64 mukuru uye kufarira. Mutero wokutanga unopera kusvika ku $ 833.33 kufarira uye $ 240.31 kutungamiri.
Izvi zvinotorwa nokutora $ 200,000 x 5%, iyo yakaenzana ne10 000, inomiririra nhamba yekutanga yegore, uye kugovana nhamba iyi ne12, nokuda kwenhamba yemwedzi mugore, iyo = $ 833.33. Bvisa $ 833.33 kubva kuPI ye $ 1,073.64, uye chigumisiro chacho ndeche $ 240.31 wevakuru.
TAXES. Tsamba yechitatu ndeye T yemitero, iyo inoreva mitero yeimba. Nharaunda imwe neimwe ine mitero yayo yemitero. Mukuwedzera, mitero inogona kuchinja gore negore, uye dzimwe nguva pfuma inodzokororwa pamusoro pekudzokorora, saka iwe haugone kuverenga nguva dzose maitero aripo anoramba akafanana. Iwe unofanirwa kutarisa nehofisi yako yeruzhinji kuti uwane ruzivo pamusoro pemitero yemitengo.
MuSacramento, California, somuenzaniso, tinowanzoshandisa 1.25% yemutengo wekutengesa kuverenga yakaenzana yemari yemitengo yekuenzanisa. Nzvimbo yedu yemitero inosanganisira mamwe mitero yezvinhu zvakadai sezvikoro, magetsi emugwagwa, kuongorora kwakananga uye Mello Roos.
Mello Roos mutero unokosha wakapfuuridzirwa kune vavanidzi veimba nevavaki vakawanda vemisha mitsva yakavakwa mushure me1982.
Zvichienderana nekutaurira kupi mushure mokuteresa mutero kwaunofanirwa kunobva pakukweretesa kwekweretesa kwekugadzirisa kero yemutero. Iwe unogona kuverenga pane chero ipi zvayo kubva pamwedzi miviri kusvika kumwedzi 6 ichaunganidzwa nguva isati yapfuura sechikamu chemari yekuvhara kwako.
INSURANCE. Tsamba yekupedzisira ndeye ini ye inshuwarisi. Kana iwe uine sangano reimba yeimba, kazhinji HOA inosungira bhandi yehushuwarisi yematongerwo ematambudziko, iyo inobhadharwa kubva kune HOA yako. Zvisinei, iwe unogona kunge uchitsvaka kuchengeta, uye wako chikwereti angada, inishuwarenzi pane zviri mukati uye mukati meunhengo yako.
Kana uri kutenga imba imwe chete-yemhuri, iwe uchada kuwana mvumo yekuwana inshuwarisi yemuimba . Usamirira kutengesa kusvika kuminiti yekupedzisira, kunyanya kana uri kutenga imba yakwegura nokuti mamwe makambani einishuwarenzi haafaniri kuchengetedza dzimba dzakwegura.
Uyo anokweretesa achabatanidza chikamu chebhadharo yako kuti ubhadhere kune inotevera inshuwarisi yemutemo asi kubhadhara kokutanga kwehutano hwako kunokwana zvakakwana pakuvhara.
Panguva yekunyora, Elizabeth Weintraub, CalBRE # 00697006, ndiye Broker-Associate kuLyon Real Estate muSacramento, California.