Umfundi uyabuza: "Umyeni wam uthi bonke abamelwane bethu bathengisa ukuthengiswa okufutshane ukuze nathi, kwaye andiqinisekanga ukuba uyazi ukuba kuthengiswa okufutshane. nawuphi na umntu oya kwenza loo nto.) Ukuba wonke umntu wenza ukuthengisa okufutshane, kubonakala ngathi yile ndlela yokuhamba nayo, unokuthi undixelele kutheni ukuthengiswa okufutshane? kutheni sifanele senze intengiso emfutshane. "
Impendulo: Ukuthengiswa okufutshane kukuthetha nge-buzz ngokuthengisa okufutshane. Ndiyaqonda ukuba leli lizwi libi kakhulu ukuba liye lafana nokuthengisa kodwa ukuthengisa okufutshane kukuhlobo oluthile lokuthengisa. Ayikho yonke imizi kunye nomthengisi ofanelekileyo ukuthengiswa okufutshane. Ngoko, ngelixa ndizithiya ukutsho oku, kuba nje ukuba wonke umntu ojikelezeyo wenza ukuthengiswa okufutshane, akuthethi ukuba unako ukuthengisa okufutshane. Kwaye ukuba awukwazi ukwenza ukuthengiswa okufutshane, oku kungaba yintsikelelo ekuguquleni ngenxa yokuba kunokuthetha ukuba unobulungisa .
Umlingisi we-# 1 wokuThengiswa okufutshane kukungabi nano-Equity
Kubaqalayo, abantu abathengiswa ngokufutshane abanalo ubulungisa. Kuthetha ukuba banetyala elingaphezu kwekhaya labo elifanelekileyo. Kuyimpazamo ukucinga ukuba ngenxa yokuba ikhaya lakho liye lisaxabiseka ukuba unako ukuthengisa okufutshane. Awukwazi ukwenza ukuthengisa okufutshane ukuba unobulungisa.
Ukulingana akuthethi nje ukuba imali yakho yokuthenga imali ingaphantsi kwexabiso lokuthengisa, okubangele ukulingana. Kungenxa yokuba uneendleko zokuthengisa.
Ukuba, emva kokuba uthathe iindleko zentengiso-ikhomishini, iintlawulo zetayitile, iintlawulo zokurekhoda, zonke iimali ezixutywayo zokuthengisa - awukho ubulungisa, ngoko ke unalo ukulingana okwaneleyo ukuthengisa. Umzekelo:
- Unobulungisa obuninzi Ukwenza Intengiso emfutshane:
Ixabiso lentengiso: $ 200,000
Ukuhlawulwa kwemali ekhoyo: $ 150,000
Iindleko zokuthengisa (approx): $ 18,000
Ubungakanani bemali: $ 32,000
- Akukho Elingeni kwaye kufuneka uzame ukuthengiswa okufutshane
Ixabiso lentengiso: $ 200,000
Ukuhlawulwa kwemali ekhoyo: $ 190,000
Iindleko zokuthengisa (approx): $ 18,000
Ukunqongophala kwe-Equity: - $ 8,000
Kwimizekelo yesibini ngasentla, kulula ukubona ukuba akudingeki ukuba uhlawulwe ngaphezu kwekhaya lakho elifanelekileyo ukuba ube ngumviwa wokuthengisa okufutshane. Kuphela kufuneka ube ne-equity equity ukuthengisa.
Iimali ezimbini kwiSatter Short
Abanye abathengisi banemali- mboleko emibini kwintengiso emfutshane . Ixabiso lentengiso lingaba liphezulu ngokwaneleyo ukufumana imali mboleko yokuqala kodwa kungengowesibini. Ngaloo mzekelo, umdayisi uza kwenza ukuthengisa okufutshane kwintengo yemboleko yesibini, kungekhona yokuqala. Umboleki wokuqala angayi kuthatha inxaxheba kwithengiso elincinci kodwa umnini-mboleko wesibini uya kuba.
Okanye, zombini iimali-mboleko zingaba ngaphantsi kwamanzi. Kuqhelekile ukuba sibone iimali mboleko ngaphantsi kwamanzi kodwa loo meko ayisoloko ikhona.
Ngubani Ongenza Ukuthengisa Okufutshane?
Kukho iziqinisekiso ezimbini ezisisiseko zokuthengisa okufutshane. Nangona ezi ziqinisekiso zibini zifihla zonke iintlobo ezibonakalayo zokuthengiswa okufutshane, ziyimilinganiselo enhle malunga ne-90% yemveliso emfutshane. Bazi:
- Akukho Equity
- Ubunzima bokuthengisa
Ngaphandle kwemibandela embalwa, ukuba unaloo mabini afanelekileyo, unokufumana imvume yokuthengisa emfutshane . Kukho iibhanki ezimbalwa ezingenakwenza ukuthengiswa okufutshane phantsi kweemeko eziqhelekileyo, kodwa unokuhlala kude ne-PNC Bank kwaye ususe isigxina semfazwe.
Uninzi lweebhanki zilandela ukuthengisa okufutshane kwaye zifuna ukuwamkela.
Kutheni Kuthengiswa Okufutshane?
Akukho sizathu kwihlabathi lethu eliluhlaza ukuhamba kude nekhaya ukuba unokwenza ukuthengiswa okufutshane kwaye ufumane ukukhululwa kwetyala . Ukuthengiswa okufutshane kukuhle kuwe:
- ISityity
- Ingxelo yeMali
- Ixesha elizayo
Ngaphantsi kweemeko ezithile, akukho sikhokelo esingafanelekanga kwaye akunakwenzeka ukuba akukho ntlawulo efunekayo kwi-matyala axolelwe. Nceda ukhangele kunye ne-akhawunti yakho kwaye ufumane iingcebiso zomthetho ngaphambi kokuqalisa ukuthengiswa okufutshane ukuze ufumane ukuba uza kuhlawulwa irhafu nokuba uya kukhutshwa kwi-matyala.
Ayikho imilingo emfutshane yokuthengisa ipilisi eya kwenza ukuba inkohlakalo ichithe ngaphandle kokuba uvumeleke ukuba ungabi nantoni okanye ungaxoxiswanga nantoni ebhanki yakho. I-IRS inezinye izibhengezo zeendawo zokuhlala kodwa kufuneka uqiniseke ukuba uxolelwe. Ezinye ze-IRS
Imithetho iyasebenza kwizinto ezibhengeziweyo kunye nokuthengisa okufutshane.
Ukuba ushiya ikhaya lakho, oko kukuthi uhambe kude nekhaya lakho kuthetha, usenokuba noxanduva, kungekuphela nje kwetyala kodwa nangenxa yimuphi umonakalo owenzeka ekhaya lakho ekungabikho kwakho. Ngokuphosa izandla kunye nokuhamba, amaqela alandelayo anokubanomdla kakhulu kwindawo okhoyo kuyo:
- Urhulumente
- Ibhanki
- Inkampani yakho yomshuwalense
Ngokufumana iingcebiso zerhafu nezomthetho nokugqiba ukuthengiswa okufutshane ngaphandle kokusilela, ufumana indawo entsha yokuqeshisa ebomini kunye ne-slate ecocekileyo. Fumana i- arhente emfutshane yokuthengisa kunye namava amaninzi ukukukhokela.
Ngethuba lokubhala, u-Elizabeth Weintraub, u-DRE # 00697006, ungumthengisi-uMbutho kwiLyon Real Estate eSigramento, eCalifornia.