Inkcazo: I- PITI isingqamaniso esimele inqununu, inzala, irhafu kunye ne-inshurensi. Umboleki-mali uhlawula kwakhona inqununu engaphezu kweminyaka engama-30, equka inzala. Intlawulo yakho yokubolekwa kwempahla engenakho ingenalo ilungiselelo lokuhlawula irhafu kunye ne-inshurensi kumboleki, kodwa zonke izicwangciso zokuhlawula i-PITI zenza. Ukumisela irhafu yenyanga yenyanga kunye neendleko ze- inshorensi, isibalo sonyaka sihlulwe ngo-12 kwaye sijikelezwe, kuxhomekeke xa zihlawulwe ezo ntlawulo.
Bonke abanikazi basekhaya abanentlawulo yokuhlawula imali kunye ne-inshurensi, nangona kungabikho wonke umntu avumela umboleki ukuba akhokhe irhafu kunye ne-inshurensi. Abanikazi abathengayo kwicandelo lokuphuhliswa kweyunithi okanye i-townhome / condo, nabo bahlawula umrhumo wombutho wabanini, onokuthi angabandakanye i-inshorensi okanye engabandakanyi.
Izixhobo ezine zePITI
Masiqale ngokuphula inkcazo yePITI.
INQUNUNU. Incwadi yokuqala yi-P engayimelanga echibini. Kuyinqununu. Akusiyo imigaqo yespelom, elinegama elihlukileyo, ngoko khumbula oko. Inqununu yintlawulo yemali yokuhlawula imali ehlawulwa rhoqo ngenyanga, kwaye abanye bathi bangabinxalenye ebalulekileyo ye ntlawulo kuba loo mali iyanciphisa ibhalansi engabhawulwayo. Ukuhlawula umdla, umzekelo, awunciphisi isahlulo esinqununu sakho semali.
INKQUBO . Oku kusileta kwileta yesibini, endiyithandayo ngenjongo yokuboleka imali . Inomdla yindlela enye umnini-mboleko enza inzuzo kwimboleko yakho.
Umboleki-mali uqokelela kunye neengxowa-mboleko eziphambili ezongeza kwinzuzo. Kodwa inzala iyona nxalenye enkulu yenzuzo. Indlela yokubuyiswa kwemali ehlelwe ngemali-mboleko yeminyaka engama-30, inxalenye enkulu yenkokhelo yenyanga ihlawulwa kumdla, kunye neqhezu elincinci kuphela yentlawulo esetyenziswa kwinqununu.
Njengoko ixesha liqhubeka, kunye neentlawulo zenziwe malunga nexesha leminyaka, xa usondela kufuphi nokuphela kwexesha lokubanjiswa kwemali, inxalenye enkulu yenkokhelo yenyanga iyahlawulwa kwinqununu ngenani elincinci elisetyenziselwa inzala. Umzekelo, imali engama-$ 200,000 ngemali e-5% yeminyaka engama-30 = i-$ 1,073.64 inqununu kunye nomdla. Inkokhelo yokuqala ihlalela ku-$ 833.33 inzala kunye ne-240.33 yeenqununu ukuya kwinqununu.
Oku kulandelwa ngokuthatha i-$ 200,000 x 5%, elingana no-10,000, emele umdla weminyaka yokuqala, kunye nokwahlula loo nombolo ngo-12, ngenani leenyanga ngonyaka, okuyi = $ 833.33. Susa iRandi 833.33 kwi-PI ye-$ 1,073.64, kwaye umphumo uyi-$ 240.31 yenqununu.
AMATEXI. Ileta yesithathu yi-T yentela, oku kuthetha irhafu yepropati. Yonke inqila ineenkqubo zayo zerhafu. Ukongeza, irhafu ingashintsha unyaka unyaka, kwaye ngamanye amaxesha iipropati zihlaziywa kwakhona emva kokubuyisela kwakhona, ngoko awukwazi ukuhlala uncike kwiirhafu ezikhoyo ezifanayo. Kufuneka uhlolisise iofisi yomhloli wee-county ukuze ufumane ulwazi malunga nentlawulo yepropati.
Ngokomzekelo, eSacramento, eCalifornia, sisebenzisa i-1.25% yentengo yokuthengisa ukubala inani elimalunga neerhafu zepropati ngenjongo yokuqikelela. Iirhafu zethu zepropati zibandakanya ezinye iirhafu ngezinto ezifana nezikolo, ukukhanya kwesitalato, ukuhlolwa okhethekileyo kunye noMello Roos.
UMello Roos yerhafu ekhethekileyo edlulelwe kubanini bezindlu ngabakhi abaninzi bezindlu ezintsha ezakhiwa emva kowe-1982.
Kuya kuxhomekeka xa i-tax statement yakho ezayo ixhomekeke ekubeni ingaba umboleki uya kubamba njani ukubeka i-akhawunti yerhafu. Unokuzibonakalisa kuyo naziphi na iinyanga ezi-2 ukuya kwiinyanga ezi-6 ziya kuqokelelwa kwangaphambili njengenxalenye yeendleko zakho zokuvala.
UKUSEBENZA. Incwadi yokugqibela kukuba mna yintyhuwalense. Ukuba unomninimzi wezindlu, ngokubanzi i-HOA igcina ipolisi yomshuwalense wengubo yenkcitho enzima, ehlawulwa kwii-HOA zakho. Nangona kunjalo, usenokuba ufuna ukugcina, kwaye umboleki wakho unokufuna, umgaqo-nkqubo we-inshorensi kwisiqulatho kunye nangaphakathi kwunithi yakho.
Ukuba uthengela ikhaya lentsapho enye, kuya kufuneka ufumane umgaqo -nkqubo we-inshorensi yomninikhaya . Ungalindeli ukuthenga ukususela kwimizuzu yokugqibela, ngokukodwa xa uthengela ikhaya elidala kuba iinkampani zomshuwalense aziqinisekisile amakhaya amadala.
Umboleki uya kubandakanya inxalenye yentlawulo yakho ukuhlawula umgaqo-nkqubo womshuwalense olandelayo kodwa intlawulo yokuqala yepolisi yakho ihlawulwe ngokupheleleyo ekuvaleni.
Ngelo xesha lokubhala, u-Elizabeth Weintraub, CalBRE # 00697006, nguMthengisi-Associate eLyon Real Estate eSigramento, eCalifornia.