Kutheni Umthengisi Wayeza Kuvuma Ukuthengiswa Okufutshane?
Ukuthengiswa okufutshane kwi-real estate akusoloko kuyintengiso, kodwa ukuthengisa okufutshane kufumaneke ixesha elide ukususela ngo-2006, ngoko ungathengisi umfutshane. Uqoqosho lwethu lwangoku aluthethi ukuthengisa okufutshane. Umzekelo, umntu owathengile ikhaya elitsha lomntu unokufa ngosuku olusemva kokuvalwa, kwaye iindleko zokuthengiswa kwangoku kunokurhoxisa loo ntengiso kwisimo esifutshane sokuthengisa.
Kulabo abaye baphantsi kwamanzi isikhashana okanye abanenkinga yokuguqulwa kwemboleko, lelinye ibali.
Kukho iindlela ezininzi zokulahlekelwa ngumzi kodwa ungayinina ubunikazi ngendlela etshabalalisa iitaliti, ihlazisa intsapho kwaye ibamba umnini wesithunzi yenye yeyona nto ibaluleke kunayo yonke, kwaye yilokho okubhengezwa khona. Kubanikazi bezindlu abangenako ukukwazi ukugcina iintlawulo zokuhlawula imali , zikho ezinye iindlela zokungena kwi-bankruptcy okanye ukuqhubela phambili. Enye yezo khetho ibizwa ngokuba "ukuthengiswa okufutshane."
Ingaphezulu kwesigamu sam thengiso yam eSigramento ukususela ngo-2006 ukuya ku-2012 bekuye kuthengiswa okufutshane. Yileyo ndlela ukuthengisa okufutshane okuvelele kwimizuzu emininzi. Namhlanje, nangona kunjalo, akunjalo. Kwiminyaka yakutshanje, nabathengisi abangabonakaliyo banokufanelekela ukuthengiswa okufutshane, okuvulekele iingcango ezininzi zokuthengisa . Ukuthengisa okufutshane kudla ukubonelela ngenkqubo yokuvalwa ehloniphekileyo yabathengisi.
Xa abathengi bavuma ukwenza ukuthengiswa okufutshane kwi-real estate , ithetha ukuba umboleki-mali uyamkela ngaphantsi kwexabiso elipheleleyo elifunekayo. Ababo bonke ababolekisi baya kwamkela ukuthengisa okufutshane okanye iintlawulo ezihlaziyiweyo, ingakumbi ukuba kunokwenza ingqondo yemali ukuba iguqulwe ngaphambili; Ngaphezu koko, akubona bonke abathengisi okanye zonke iipropati ezifanele ukuthengisa okufutshane .
Ukuba ucinga ukuthenga ukuthengiswa okufutshane , kunokubakho iingxaki. Ukukhusela kwakho, ndincoma ukuba bonke abaviwa abanokuthengiswa okufutshane, njengamanyathelo okuqala:
- Fumana iingcebiso zomthetho evela kummeli onelungelo lokuthengisa
- Biza umnxebi ukuba axoxe ngeemali zentengiso emfutshane
Njenge-arhente yendawo yokuhlala, andinayo ilayisenisi njengegosa okanye i-CPA kwaye akunako ukucebisa ngeziphumo.
Ngaphandle kweemeko ezithile ngokubhekiselele kuMthetho wokuXholwa kweMali yokuXholwa kweMatyala ka-2007, qaphela ukuba i-IRS inokuqwalasela ukuxolelwa kwetyala njengemali engenayo, kwaye akukho siqinisekiso sokuba umboleki owamkela ukuthengiswa okufutshane akayi kulandela umbolekisi ngokusemthethweni ukuba ahluke phakathi imali ehlawulwa kunye nemali ehlawulwayo. Kwamanye amazwe, eli nani liyaziwa njengobunqongophala. Igosa linganquma ukuba ngaba umboleko wakho ufanelekela isahlulelo sokusilela okanye ibango.
Iintengiso ezininzi ezithengiswayo eCalifornia aziphinde zisehlwayo zerhafu.
Nangona bonke ababolekisi banemfuno ehlukeneyo kwaye banokufuna ukuba umntu obolekayo angenise amaxwebhu ahlukeneyo, amanyathelo alandelayo anokunika ingcamango enhle yezinto ozilindele.
- Shayela iLender
Ungadinga ukwenza i-half half fowuni iingcingo ngaphambi kokuba ufumane umntu onoxanduva lokusingatha ukuthengisa okufutshane. Uza kufuna ukuthetha "ukuthengisa okufutshane okufutshane" okanye isebe "ukuphuma" kwaye uzame ukufumana igama lomthengisi. I-arhente yakho ye-real estate nayo inokusingatha le nyathelo kuwe, kwiimeko ezininzi. - Hambisa i-Letter yokugunyazwa
Ababoleki abanqweneli ukutyhila nayiphi na inkcazelo yakho yobuntu ngaphandle kokugunyazwa ebhaliweyo ukwenza njalo. Ukuba usebenza kunye ne-agent ye-estate, i-arhente yokuvala, inkampani yenkampani okanye igqwetha, uya kufumana intsebenziswano engcono xa ubhala ileta kumboleki-mboleko enikeza umnini-mvume imvume yokuthetha nalawo maqela anomdla malunga nomboleko wakho. Ileta kufuneka ifake oku kulandelayo:- Idilesi yePropati
- Inombolo Yokufowulwa Kwemali
- Ingama lakho
- Umhla kunye nexesha elifanelekileyo lexesha
- Igama loMmeli Wakho kunye neNkcukacha zoNxibelelwano
- Iphepha lokuQala eliPhezulu
Le ngxelo yokuvala eqikelelwayo ebonisa intengo yokuthengisa okulindele ukuyifumana kunye nazo zonke iindleko zokuthengisa, izilinganiso ezingahlawulwanga mboleko, iintlawulo ezihlawulwayo ngenxa yemirhumo yexesha elide, kuquka iinkomfa zendawo yokuhlala . I-arhente yakho yokuvala okanye igqwetha kufuneka likwazi ukulungiselela oku egameni lakho. Ukuba umgca wezantsi ubonisa imali kumthengisi, iindaba ezilungileyo, mhlawumbi awuyi kufuna ukuthengiswa okufutshane. - Ileta Yobunzima
Okubuhlungu, bhetele. Le nkcazo yenyani ichaza indlela ozifumana ngayo kule mbopheko yemali kwaye wenza isikhalazo kumbolekisi ukuba wamkele ngaphantsi kweentlawulo ezipheleleyo. Ababolekisi abaxhamli kwaye banokuqonda ukuba ulahlekelwe ngumsebenzi wakho, bhedlele okanye iloli ligijimele yonke intsapho yakho, kodwa ababolekisi abaxhomekekanga kwiimeko ezibandakanya ukungathembeki okanye ukuziphatha okubi.
- Ubungqina beNgeniso kunye neeAfa
Kukulungele ukunyaniseka nokunyaniseka malunga neemeko zezezimali kwaye uchaze iimpahla. Ababoleki baya kufuna ukwazi ukuba unayo i-akhawunti yokulondoloza, i-akhawunti yemakethe yemali, iifowuni okanye iibhondi, izixhobo ezithengiselwano, imali okanye enye indawo yokuhlala okanye nayiphi na into ebonakalayo. Ababolekisi abangekho kwishishini lothando kwaye bahlala befuna isiqinisekiso sokuba umboleki akakwazi ukuhlawula nayiphi na ityala elixolelayo. Ibhanki iya kufuna kwakhona iintsuku ezingama-30 zee-stubs payroll. - Iikopi zeeNgxelo zeBhanki
Ukuba izitatimende zakho zebhanki zibonisa iifomiti ezingenakulinganiswa, ukurhoxiswa kwemali enkulu okanye inani elingaqhelekanga lokuhlola, mhlawumbi inengcamango ecacileyo yokuchazela elowo wale mveliso kumboleki. Ukongezelela, umboleki-mali unokufuna ukuba uyiphendule nganye idiphozithi ukwenzela ukuba ikwazi ukuba i-deposits iya kuqhubeka. Ibhanki ngokuqhelekileyo idinga iinyanga ezimbini zokugqibela. - Uhlalutyo lweeMarike
Ngamanye amaxesha iimarike zinciphisa kwaye ixabiso lepropati liwa Ukuba le nxalenye yesizathu sokuba awukwazi ukuthengisa ikhaya lakho ngokwaneleyo ukuhlawula umboleki-mali, le nyaniso kufuneka iqinisekiswe nguthengisi ngokuhlalutya kweemarike . I-arhente yakho yendawo yokuhlala ingalungiselela i-CMA kuwe, eya kubonisa amaxabiso emakhaya afanayo:- Esebenzayo kwimarike
- Ukuthengisa okulindelekileyo
- Isetyenziswe kwiinyanga ezi-6 ezedlulileyo.
- Isivumelwano sokuthenga kunye nesiVumelwano sokuHlola
Xa ufikelela kwisivumelwano sokuthengisa kunye nomthengi oza kuthenga, umbolekisi uya kufuna ikopi yesibonelelo, kunye nekopi yesivumelwano sakho sokubhala. Yilungiselele umboleki ukuba aphinde axoxise iimali kunye nokungafuni ukuhlawula izinto ezithile ezifana nezicwangciso zokukhusela ekhaya okanye ukuhlolwa kwexesha.
Ngoku, ukuba konke kuhamba kakuhle, umboleki uya kuvuma ukuthengiswa kwakho okufutshane. Njengengxenye yokuxoxisana, unokucela ukuba umbolekisi angabhengezi ngetyala elibi kwi-arhente yokubika ngetyala, kodwa qaphela ukuba umboleki-mboleko akayikubophezeleka ukuba afikelele esi sicelo. Isikhundla seengxelo zemboleko kaninzi asixoxiswanga.
Funda kabanzi malunga Ngaphambi kokuba uthenge Intengiso emfutshane .
Ngelo xesha lokubhala, u-Elizabeth Weintraub, CalBRE # 00697006, nguMthengisi-Associate eLyon Real Estate eSigramento, eCalifornia.