Izinketho zeAkhawunti ze-Akhawunti kunye neZixhobo
Iyiphi i-Akhawunti yeNgxube?
Kwezinye iindawo zeli lizwe, ezi ngxelo zibhekiswa njengeakhawunti ye-escrow. Amagama asetyenziswa ngokungafaniyo. IiAkhawunti ze-Impound zi-akhawunti ezongeziweyo ezazisetyenziswe ngababolekisi bemali mboleko yokuhlawula irhafu yepropati kunye ne- inshurensi yepropati egameni lomninikhaya. Umboleki uyaqokelela inani elilinganayo elilingana ne-1/12 yexabiso elipheleleyo elifanelekileyo.
Umzekelo weNgxelo yeNtlawulo yeAkhawunti
Ukuba irhafu i-$ 1200 ngonyaka, umboleki uya kuqokelela i-$ 100 ngenyanga. Ukuba i-premium yomshuwalense yi-$ 600 ngonyaka, umbolekisi uya kuqokelela i-$ 50 eyongezelelweyo. Le ntlawulo yenkokhelo ye-akhawunti engama-150 yongezwa kwi-nqununu yesiqhelo kunye nentlawulo yenzalo ngokulingana nentlawulo epheleleyo. Le ntlawulo epheleleyo ibhekiselwa kuyo njenge- PITI, nto leyo ithetha inqununu, inzala, irhafu kunye ne-inshurensi.
Ukusetha i-Akhawunti ye-Impound
Ababoleki bahlala befuna iinyanga ezimbalwa zeedola ezidityanisiweyo. Ukuba iirhafu kunye nenxalenye yomshuwalense yi $ 150 ngenyanga, umbolekisi angadinga i $ 300 njengento yokuhamba.
Ngaphezulu kwelo, xa iakhawunti ezithintekayo zisungulwa ekuqaleni, i-premium yomshuwalense ihlawulwa ngaphambili kodwa iintlawulo azikho. Ngokuqhelekileyo, irhafu ihlawulwa xa ifika, ngenxa yokuba kwiindawo ezininzi zenzeka kabini ngonyaka. Ukuba iirhafu ziza ngenxa, zithi, ngoNovemba, kwaye umboleko wakho uvaliwe ngoSeptemba, umboleki-mali angafuna kakhulu iinyanga ezi-7 okanye ezi-8 zemirhumo ekufuneka ihlawulwe ngokuvala.
Kuthatyathwa njani ukutyelela?
Ukuba imali-mboleko ichithwe ngokupheleleyo kwizinga elimisiweyo lomyinge, inqununu kunye nentlawulo yenzalo ayisoze yandise okanye yandise. Nangona kunjalo, irhafu iyakhula (ayisoloko iwa). Ii-premiums zomshuwalense zonyuka ngokusekelwe kwiifomula ezinzima kwiinkampani zomshuwalense. Kodwa i-inshorensi yomgaqo-nkqubo we-inshorensi yenyuka iphinda ikhuphuke kwakhona ngenxa yokuba ixabisa ngaphezu konyaka ukuvuselela ikhaya xa kwenzeka intlekele.
Ngamanye amaxesha ababolekisi abaqulunqi imali yokuqala ngokuchanekileyo kwaye baya kuqaphela ukuba ukuba bayaqhubeka nokuqokelela isamba esifanayo kumboleki, abayi kuba nemali ngokwaneleyo kwi-akhawunti ukuhlawula iibhili xa i-billing ihlawulwa.
Ungayifaka njani iNgxowankulu kwi-Akhawunti ye-Impound?
Ngokuqhelekileyo, unokhetho oluninzi.
- Yithenga i-inshurensi ephantsi
- Ubume bomshuwalense omncinci (ongacebisi)
- Bhatala umehluko ngemali
- Vumelanise ukuhlawula intlawulo eyongezelelweyo
Ukuba uhlawula ulwahlulo ngemali, uya kuqhubeka ukuhlawula imali kwi-akhawunti yakho yokubolekisa ngemali mboleko yakho kuba umboleki uya kuyidinga loo mali, ingaba iyahlawulwa ngenyanga okanye yonke into kanye, ukuhlawula irhafu kunye ne-inshurensi. Ngenxa yokubaluleka kwexesha kunye nemali, kungcono ukuhlawula intlawulo eyongeziweyo ngenxa yokuba iindleko zakho zokuphuma ngaphandle zithe zagqithiswa kwiinyanga ezimbalwa, ukunciphisa indleko yemali.
Khumbula, idola namhlanje ibaluleke ngaphezu kweedola ezintandathu ezintandathu ukususela ngoku.
Ukuseka i-Akhawunti Yakho Yomhlaba
Ukuba unesiyalo sokugcina imali yenyanga ukuhlawula irhafu yakho kunye ne-inshurensi, ke ukuseta i-akhawunti yokugcina imali ngale nto inokuba nengqiqo kuwe. Qaphela ukuba ukuba ibhalansi yakho yemali ingaphezulu kwe-80% yexabiso lekhaya lakho, umnini-mboleko wakho akakuvumeli ukuba ugcine i-akhawunti yakho. Ngaphezulu, ukuba iirhafu zakho zikhuphuka ekupheleni konyaka, uya kuhlawula i-akhawunti yakho yokunqongophala kwemali kwisinye isamba semali.
Ngamanye amaxesha ababolekisi bahlawulisa i-1/4 yeyona ngongoma kubbolekayo abanqwenela ukulawula iakhawunti zabo xa befumana imali entsha. Kufuneka ucele malunga nalo. Ngenxa yokuba unganqwenela ukuhlawula umrhumo ophezulu ngaphezu kwelungelo lokulawula i-akhawunti yakho yangaphakathi.
Ngelo xesha lokubhala, u-Elizabeth Weintraub, CalBRE # 00697006, nguMthengisi-Associate eLyon Real Estate eSigramento, eCalifornia.