Vatengesi vanofanirawo kujekesa neavo avo vanobhadhara izvo zvikwereti uye zvisiri izvo.
Zvinogona kuvhiringidza kuti unzwisise kuti zvingakubhadhara sei iwe kutengesa imba.
Pashure pezvose, kana iwe uchitengesa motokari yako, iwe haubhadhara mutengi wutsvainishuwarenzi kana kuti kubhadhara chikwereti kana mitero. Mutengi anokupa iwe mari uye iwe unopinda musoro. Asi kutengesa imba yakasiyana kwazvo, uye kune mari inotengeswa inobatanidzwa.
Zvinorevei kutengesa kutengesa imba kunobva pa:
- Local custom
- Hurumende inoda
- Type of real estate market . Ndiyo mutengesi wemutengesi, mutengesi wemutengesi kana mushambadzi wakakwana?
Kune chikamu chikuru, nzvimbo dzose dzimba dzinotaurirana. Izvozvo zvinoreva kuti mari yekutengeserana mubvumirano yekutenga inobvumiranawo . Asi kana vatengesi vakawanda muguta rako, semuenzaniso, vanoda kubhadhara, vanoti, kutengesa mutero, uye iwe haugoni kubhadhara mutero iwoyo, zvingave zvakawandisa kutendesa mutengi.
Tsika dzeMitengo yekutengesa Kutengesa Imba
MuCalifornia, somuenzaniso, zvinyorwa zvekubhadhara mutero zvinoratidzirwa pamasendi makumi mashanu ne $ 500 yemutengo wekutengesa. Izvo zvaizoita $ 330 yakaenzana pamusha we $ 300,000.
Inogona kunge isingaoneki semari yakawanda kana ichienzaniswa nemutengo wekutengesa, asi kune mutengi, inowedzera. Ndinofungidzira kuti chimwe chikonzero nei mari yakawanda iyo inowanzobhadharwa nemutengesi ndeyokuti mutengi atovapa mari yakawanda yekuvhara kuti awane chikwereti. Zvichida pfungwa yacho ndeyo mutengesi ndiye munhu ane mari yakawanda?
Iko mari yakawanda inogona kunge iri iyo iyo imba inoshandiswa . Iyi inzvimbo apo vamwe vatengesi vanoedza kunyora uye zvichida havafaniri. Kana mutengesi achibhadharira mutengesi akakodzera , iyo mumiriri angangodaro awane mari yake kumashure uyezve zvimwe kuburikidza nekubata kwake kwekutengesa. Sangano reNational Association of REALTORS rinowanzoita tsvakurudzo inoratidza vatengesi vanowana makumi maviri kubva muzana kuburikidza nekubhadhara REALTOR® pamusoro pekutengesa imba nemudzidzi .
Zano: usarasikirwa nenyunyuta yekunyanyisa nokuti iwe uri kuparadzanisa ne1% kana zvakadaro ye commission. Izvo 1% kana zvakadaro iwe haugoni kubhadhara zvinogona kuchinja kusvika mu 10% kana kupfuura kwekutenga iwe unogona kurasikirwa nokuti wakapa mushandi asina kururama.
Mimwe mitero yemitambo yemitambo, iyo inowanzo muCalifornia uye inogona kusiyanisa kubva kune imwe nyika kusvika kumatare, uye inowanzosiyana kubva kune imwe nyika kuenda kune imwe nyika ndeyokuti:
- Guta rekutengesa mitero
- Kuendesa kana kutumira
- Nyaya yekugadzirira
- Escrow
- HOA docs uye kuwedzerwa
- Home Warranty
- Mari yechikwata-in
- Mari yezvikwereti uye zvinodiwa zvinodiwa
- Property tax
- Kurejera
- Chikamu cheshuwarisi yemutemo wemuridzi
- Pest inspections uye pest completions
- Wire
Hurumende-Inotarisirwa Mari Inotengeswa Imba
Kune zvakawanda zvakazarurirwa pamusha mutengesi anoda kupa. Kunyange zvazvo California Civil Code haireve kuti mutengesi anofanira kubhadhara kuZvivhiringidza Kwemasikirwo, somuenzaniso, inoda mutengesi kuti azarure njodzi dzenjodzi kune mutengi.
Nzira yakanakisisa yekugutsa izvo zvakakosha ndeyekutenga nengozi yekuvhenekera kwekuda kwe $ 100. Ndinopikisa pfungwa iyi nevatengesi venguva pfupi vasingadi kutendera mutero uyu uye kukunda kukakavadzana nokuti ndinovatumira California Civil Code.
Mhando dzehurumende-dzinotarisirwa mari yekutengesa imba dzichasiyana kubva kune imwe nyika kuenda kune imwe nyika uye kumucheto kusvika kumatare uye guta kune rimwe guta. Mamwe maguta anoda vatengesi kuti vatore uye vanopa kune mutengi mhinduro yekuongorora guta. Vatengesi vangave vachidiwa kuti vaise zvishandiso zvekuchengetedza zvakadai semasvikiro eutsi kana carbon monoxide detectors kana kunyange shanduko yemvura inoshandisa iyo inodzivirira mabhakitiridzi pamunda webindu. Munhu akakurumbira kubvunza ndiye mugoti wako weimba .
Ngwarira muCalifornia. Mutemo unoshanda munaJanuary 2017 unoda kuti dzimba dzose dzive dzakachengetedzwa nemvura yekuchengetedza zvigadzirwa.
Kana vatengesi vasaina chibvumirano chekutenga vachibvumirana kuti vateerere hurumende inogamuchirwa basa, vanogona kuzviwana ivo vachifanira kutora nzvimbo yekushambadzira, zvose zvidzitiro, misoro yehowa nemafuta emvura mukati meimba. Kana vatengesi vasingabvumi kutevedzera hurumende inogamuchirwa basa, havafanirwi kuita chimwe chinhu kunze kwekuzivisa.
Kuberekwa kweMarike pamusoro pezvikwereti zvekutengesa Imba
Mumutengesi wemutengesi, somuenzaniso, unogona kukwanisa kuti mutengi atore mari yakawanda yekuvhara kupfuura iyo mutengi aizowanzobhadhara, nekuda kwekuti unogona kuva nevatengi vakawanda vanoda kutenga imba yako. Apo kuongororwa ibvunzo munyaya yakawanda-inopa , zvinoreva kuti mutengi haagoni kupa zvinopfuura kukosha kwemashamba nokuti a) zvingave zvisingaratidzi uye b) mutengi angasava nemari yekuvhara mutsauko, achipa kubhadhara zvimwe zve Mari yekuvhara kwevatengesi kupfuura iyo inowanzodiwa kuita ingaita kuti mutengi agone kuwedzerwa kune mutengesi.
Kusiyana ndezvechokwadi kune mutengi wemusika. Mumutengesi wemutengesi, mutengesi angapa kupa kubhadhara mari yekuvhara kwemutengesi kuitira kuti imba inakidze kune mutengi kutenga. Mune mararamiro asina zvematongerwo enyika, zvingasava zvinhu zvakawanda.
Zano: Kana iri nguva yekudzokorora chipo chekutenga , bvunzai mujeri wenyu kuti akupei iyo inofungidzirwa yepepa yakatarwa kubva pachipo ichocho.