Iyintoni i-Deposit Money Money?
Ingakanani Imali efunekayo njengeDistim yokuthenga ikhaya?
Abathengi basekhaya bahlala bebuza ukuba kufunwa imali engakanani. Ngokuqhelekileyo, akukho mfuneko yokumiselwa. E-California, iikontraki kufuneka ziqulethe ingqwalasela ukuba isebenze, kodwa loo mali ingaba yincinci enye. Imithetho kwilizwe lakho ingahluka. Kodwa ke, khumbula, ukuba isixa sakho semali esisigxina sincike ngokukodwa kwindawo yakho yemarike kunye nesiko lendawo.
Ukuba uthengisa umthengisi i-$ 1.00 njengemali eqinileyo, umthengisi uza kujonga kuwe. Abathengisi babeza kucinga ukuba awunzima. Mhlawumbi akayi kuhamba.
Iyintoni i-Deposit Money Money?
Kukholo oluhle lokholo kodwa kungabikho ukudideka kunye nentlawulo ephantsi. Kodwa inxalenye yentlawulo ephantsi. Xa abathengi benza isivumelwano sekhontrakthi , ityontrakthi ichaza ukuba imali umthengi uqala ukuyifumana njani ukukhusela isivumelwano, ukubonisa "ukholo olulungileyo," kunye nemali engakanani yonke iya kufakwa njengentlawulo ephantsi.
Ibhalansi ngokubanzi ixhaswa ngemali njengento yokubolekwa kwemali okanye ukuhlanganiswa kwemali . Idiphozithi yemali engqongqo ithi kumthengisi, "Ewe, ndiyomelele ngokuthenga indlu yakho ukuba ndizimisele ukubeka imali yam apho umlomo wam."
Ngako-ke, Ingakanani Imali Eyona Imali Eyaneleyo?
Ngenxa yokuba akukho mali ehleliweyo, iyahluka ukusuka kwiimarike ukuya kwiimarike nakwilizwe lonke.
Lapho ndisebenza khona eCalifornia, iifomethi ngokuqhelekileyo zi-1 kuya kwi-3 ekhulwini lexabiso lokuthengisa. Abathengi apha abavumi ukubeka phantsi ngaphezu kwe-3% kuba amaninzi asayina isigatya somonakalo esihlawulelwayo esinqanda umthengisi kwi-3% yentengo yokuthenga njengengozi xa kwenzeka. Nangona, akuqhelekanga ukuba umthengi athenge i-$ 300,000 ikhaya ukubeka phantsi i-$ 1,000, ngakumbi ukuba umthengi ufumana imali eyi-100%, njenge-VA mboleko. Kule miba, idiphozithi iphinda ibuyiselwe kumthengi kwaye isetyenziswe njengetyala malunga neendleko zokuvala kuba inkxaso-mali iyakha intengo yokuthenga.
Omnye umthetho osandul 'utsha ubeke ama-agent ukuba uqaphele ukuba i-arhente yohlulo ingenako ukukhusela umthengisi ukuba akacebisi umthengisi ukuba abuze imali ekhuselekileyo yemali. Oku kungavela kwimeko apho umthengi engekho. INkundla inokubuza ukuba kutheni imali engqongqo iphantsi kwaye ityala i-arhente yohlu.
Ukuba ngumthengisi weemakethe, kunye nabathengi abaninzi abalwa nokugcina izinto ezincinci, kwenza ukuba umthengi abeke ingqalelo imali eninzi yokwenza imali ukuze atyekise umthengisi ukuba amkele umnikelo. Kwiimarike zomthengi, imali ephezulu yokwenza imali ingakhohlisa umdayisi ukuba amkele intengo ephantsi kakhulu yokuthenga.
Ngoko uyabona, yirhwebo kunye neemeko zengingqi ezinokumisela inani.
Qaphela ukuba Ubani Nika i-Deposit Money yakho ezuzekileyo
Umfundi ovela eNew Brunswick, eCanada, uSylvie Schriver, uthi ulahlekelwe imali yakhe engama-2,500 edibeneyo ngemali ngokuyinikezela umntu obiza ngokuba ngumthengisi wezindlu. Uthi umthengisi uthathe i-logo ye-brokerage kunye nempahla yezoshishino ukwenza ukuba ibonakale ukuba yayisemthethweni; Nangona kunjalo, waphuma xa uSylvie ebiza ukuba abuze imibuzo malunga nokuthenga kwakhe. Xa ebika ingqungquthela yamapolisa, wafumanisa ukuba abanye babefake izikhalazo. Ngokudabukisayo, ngelo xesha, imali kaSyvie yaphela.
- Ungalokothi unike imali engqongqo kwidilesi. Akunandaba nokuba umthengisi nguPapa; musa ukwenza.
- Yenza idipozithi ihlawulwe kwiqela lesithathu elihloniphekileyo njengomrharenti owaziwayo kunye nolungisiweyo olwasemthethweni, inkampani yomthetho, inkampani yokuxhaswa, okanye inkampani yetayitile.
- Qinisekisa ukuba iqela lesithathu liya kufaka imali kwi-akhawunti ye-trust.
- Fumana irisidi.
- Ngokuqhelekileyo akunakulinganiswa ukuba ugunyaze ukukhululwa kwemali yakho eqinileyo (okanye ukudlula-phambili) de ukuthengisa kwakho kuvaliwe.
Ungayilahla njani i-Deposit Money?
Okokuqala, funda isivumelwano sakho. Imithetho iyahluka ukusuka kummandla ukuya kwimeko. E-California, umzekelo, urhulumente ohlala ekhokelela isizwe, iikontraka zokuthenga i-CAR eziqhelekileyo zivumela ukuba kubuyiselwe imali ethembekileyo kumthengi ngexesha elithile elifanelekileyo xa umthengi ukhethwe ukuba akhuphe ukuthengiselana. Ukuba ngalo mthengisi wenqabe ukubuyisela idiphozithi ngaphandle kwesizathu, umthengisi unokuphelisa ukuhlawula i-$ 1000 yezigwebo zomntu kumthengi.
Nangona kunjalo, akuyiyo yonke i-arhente ilungu leCAR eCalifornia. Kwaye abakhi abasebenzisi isivumelwano se-CAR. Zineenkontileka zazo zokuthenga, ezininzi iiphepha ezili-150 kwaye ezinye.
Ngeemeko eziqhelekileyo, nangona, xa kucinywa, abathengisi kunye nabathengi bacelwa ukuba batyikitye imiyalelo yokukhululwa. Ukuba isivumelwano asikwazi ukufikeleleka, iqela elibambe imali engqongqo mali liza kuqhubeka libambe kuze kube yimvumelwano. Ukuba akukho mvumelwano ifinyelelwe emva kweminyaka embalwa, iinkampani zenkqantosi zithumela amaqela incwadi eqinisekisiweyo ecela imiyalelo efanayo. Ileta ithi xa kungekho mntu uphendula ngexesha elithile, ngoko uhambo luya kubuyisa imali kumthengi. Ukuba umdayisi unxamnye nesenzo emva koko, emva kweminyaka emithathu, i-escrow izothumela imali kwilizwe laseCalifornia, mhlawumbi ukuncedisa ukulinganisa ibhajethi yethu.
Icandelo kwiNgqungquthela Ngemibango ye-Deposit Money
I-$ 1,000 yomthengi yafakwa kwi-escrow iminyaka emibini edlulileyo. Ingaziwa kumthengisi okanye i- arhente yendawo yokuhlala , iveki ngaphambi kokuvalwa kwesigxina , umthengi wanquma ukuthenga enye indawo kunye nokungena esecrow kwinkampani eyahlukileyo. Kwiintsuku ezimbalwa ngaphambi kokucetywa ukuvalela kwipropati yokuqala, umthengi wagqiba ukuhamba kwakhe kokugqibela waza wachaza ukuba kukho amaconsi amanzi kwilayili. Kwakungabikho ubungqina bamanqatha amanzi phezu kwelayili. Kodwa oko akuzange kumthinte umthengi ekukhonteni ukuhluthwa . Abathengisi bakholelwa ukuba umthengi umlahle idiphozi yakhe. Umthengi ukholelwa ukuba kufuneka abuyiswe. Kwiminyaka emibini kamva, imali isele ihleli.
Ngethuba lokubhala, u-Elizabeth Weintraub, Cal BRE # 00697006, nguMthengisi-Associate eLyon Real Estate eSigramento, eCalifornia.