Inkcazo: Irhafu yerhafu yokuthunyelwa yirejista eqokelelwa yi-county okanye kwisixeko rhoqo xa kuthengiswa ngezandla zepropati okanye zithengiswa kwiirekhodi zoluntu. Ingxelo yerhafu yokutshintshela ngokuqhelekileyo imirhumo isekelwe kwipesenti yemali yokuthengisa. E-California, ii-counties zihlawulisa ama-55 eentente nge-500 zamaxabiso exabiso lokuthengisa. Le ntlawulo ngamanye amaxesha ilingana ne $ 1.10 ngamawaka, kodwa ngokwenene iyama-55 engama-$ 500, okanye iqhekeza layo.
Umthengisi okanye umthengi angahlawula irhafu yerhafu yokubhaliweyo, kodwa nganye ikhosi inesiko esithile saloo ndawo ukuba liphi na irhafu elihlawula irhafu. Kufuneka ucele i- arhente yakho yendawo yokuhlala ehlawula irhafu yerejista yokudlulisa kwingingqi yakho. Kungaba nguwe!
Ingxelo yerhafu yokudlulisa yindlela yokujonga intengo yokuthengisa yepropati, kuba isenzo ngasinye sineerhafu "sitampu" ebusweni bezenzo. Akukho nto nayiphi na enye ingcaciso, ngokuqhelekileyo le ngcaciso yokwenza ixabiso lokuthengisa ithathwa njengenokwethenjelwa, ukubonelela ukuhlawulwa kwentlawulo akubandakanyi ukutholwa kwemali mboleko. Akukho yerhafu yokutshintshwa kwirekhodi eCalifornia ngemali yemboleko ekhoyo.
Ngokomzekelo, ukuba umthengi uthenge ikhaya eSigramento elixabisa ama-300,000, kunye neemali ezizithenga nge-80% yemali-mboleko-mboleko yokuqala ye-$ 240,000 kwi-interest rate ye-5%, ihlawulwe ngaphezu kweminyaka engama-30, ingakanani irhafu yokuthumela idokethi eya kuba ngumthengisi ukuhlawula xa isitimela sishiya eNewark ngo-11: 00?
Kulungile, nje ukubamba. Akukho nto kulo mzekelo ngaphandle kwexabiso lentengiso. Ingxelo yerhafu yokudlulisela iCalifornia iya kuba yi-$ 330.
Unokufunda malunga neRhafu yokuThuthwa kweRhafu yeNkcazo kunye neKhowudi yeRhafu evela kwiBhodi yase-California State of Equalization.
Umntu oza kuba yi-California interspousal transfer deed okanye iintlobo ezithile zezenzo ezithile zokuyeka ukukhishwa kwemali apho i-$ 1.00 okanye ingaphantsi.
Ayikho irhafu yerhafu yokuqokelelwa eqokelelwa ekufakweni kwale zenzo ezithile kwiirekhodi zoluntu.
Ngaphezulu kokuhlawula irhafu yerhafu yokubhalisa, amaqela kwindawo yokuthengiswa kwezindlu zangaphandle kwiSigramento, umzekelo, ukuhlawula irhafu yokutshintshwa kwedolophu. Ireyithi yokutshintshwa kwedolophu ibaluleke kakhulu. Ukusebenzisa umzekelo wangaphambili weentengiso ezingama-300,000, irhafu iya kuba yi-$ 825.
Ngamanye amaxesha eli rhafu libizwa ngamanye amagama kwamanye amazwe njengerhafu yesitampu sexwebhu. Ngokuqhelekileyo ibandakanywe kwisenzo esibhaliweyo. Maxa wambi imizi, ngaphezu kwee-counties, ihlawulisa irhafu yerhafu ehlukeneyo. Ezi ntlawulo zisetyenziselwa ukuhlawula izinto ezithile eziza kunceda wonke umntu kwi-county, kungekhona nje abanini bezindlu.
INgqungquthela kaZwelonke yeeNkundla zeeNkqubo zikaRhulumente iye yapapasha uluhlu lwawo onke amazwe ahlawulisa irhafu yerhafu yokutshintshela ekubuyiselweni kwepropati yangempela. Amanye amazwe ahlawulisa irhafu ngokusekelwe kwisixa semali mboleko . Uyakwazi ukubona uluhlu lwe-intanethi kwiimvavanyo zerhafu yokurhweba.
Nangona umthengi akahlawulanga nayiphi na irhafu yerhafu yokudlulisa, yerhafu ehlawuliselwe ukuthengiswa kwintlawulo yomthengi , kungakho phantsi kwekhokelo ze-TRID , ungayifumana umrhumo ngokubhengezwa kokuvala njengoko zombini i-credit kunye ne-debit .
Oku kudibanisa ukukhutshwa kwabantu abaninzi, nokuba ngabaphathi bezindlu. Kwakhona kunokubanjelwa nezinye iindleko, okwenza kube nzima kakhulu ukufumana ngubani ohlawula intlawulo. Yilula indlela uRhulumente ayenze ngayo ukuqonda iphepha le-TRID.
Kukho ukunyuka ndiva malunga nexesha elizeleyo ukuphelisa irhafu yerhafu yokubambisa ebusweni bezenzo zesibonelelo, ezifunwa ngabathengisi abacebile abangafuni ukuba intengo yokuthengisa ibe nolwazi loluntu.
Ngelo xesha lokubhala, u-Elizabeth Weintraub, CalBRE # 00697006, nguMthengisi-Associate eLyon Real Estate eSigramento, eCalifornia.
Imizekelo: E-Sacramento, i-county ihlawulisa iRhafu yokuThuthwa kweRhafu yama-55 engama-$ 500 nganye, kwaye isixeko saseSacramento sinetyala lokutshintshwa kwayo .275% ye-1% yentengo yokuthengisa. Ngokuqhelekileyo umdayisi uhlawula irhafu yerhafu yokuthengisa kunye nomthengisi kunye nomthengi ukwahlula irhafu yokutshintshwa kwedolophu.