Ukunikezelwa kwezindlu zangempela kwiintengiso nabathengi
Abaninzi bathengi iikontraki ezisetyenzisiweyo kwizindlu eziphantsi komhlaba ziquka izibonelelo zokukhupha phakathi kwabadayisi nabathengi. Ngaphambi kokusayina isivumelwano somthengi, kufuneka ufunde ukuze ufumene indlela ukunyuka kwezinto eziphathekayo ngayo, ngenxa yokuba ufuna ukuphakamisa utshintsho kwi-verbiage malunga nokunyuka.
Kwiimeko ezininzi, kodwa akubona bonke, abathengi bahlawuliswa ukunyuka. Imirhumo iboniswa njengedithwala kwisitatimenti sokuvala somthengi kwaye njengetyala kwi-statement yokuvala yomthengisi.
Iikhredithi zandisa inzuzo yentengiso yomthengisi kwaye zibuyisela umthengisi ngezinto ezidayiswayo umthengisi ngexesha elithile umthengisi akayi kuba ngumnini propati.
Ukunyuka kweMithwalo yeMali
Ngokungafani nentlawulo, ehlawulwa kwangaphambili, inzala yomhlalaphantsi ihlawulelwa emva kweemali. Xa uhlawula umrhumo wokuboleka imali ngoJanuwari 1, umzekelo, uhlawula umdla ngoDisemba.
Kwimali mboleko entsha, ababolekisi bafuna ukuqokelela inzala ukuya kwiintsuku ezingama-30 ngaphambi kokuhlawulwa kwentlawulo yokuqala . Oku kuthetha ukuba uvala, uthi, ngoNovemba 15, intlawulo yakho yokuqala yokubambisa iyakubangelwa ngoJanuwari 1. Intlawulo ye-mortgage yomhla ka-1 Januwari iya kuhlawula umdla ngo-Disemba.
Njengombolekayo, uya kuhlawulwa iintsuku ezili-15 zomdla kwisitatimende sakho sokuvala, ukususela ngoNovemba 15 ukuya kuDisemba 1. Ukufumana imboleko yakho yenzalo kule meko, nantsi ifom:
- Inani leNgxowa-mali x Inzala = Inzala yonyaka.
- Inzala yonyaka eyahlula iinyanga ezili-12 = Inzala yenyanga .
- Inzala yenyanga nganye eyahlula ngeentsuku ezingama-30 = Inzala yansuku zonke.
- Inzala yemihla ngemihla x 15 Iintsuku (ukuhlawula umdla ukuya kuMhla woku-1) = Imveliso yokuThengiswa kwemali.
Inqununu efanayo isebenza kubathengisi abamele bahlawule umdla ngokubambisana nomvuzo wokubolekwa kwemali mboleko, ngokulandela umrhumo wemboleko.
Ukunyuswa kweRhafu yePropati
Zonke iziseko zombuso zonyaka wekharityhulam yerhafu yepropati eyahlukileyo.
E-California, umzekelo, unyaka wekhalenda uvela ngoJulayi 1 ukuya kuJuni 30. Okokuqala, fu manisa ukuba i-county yakho iqokelela njani irhafu. Ezinye iikhompyutha ziqokelela irhafu yepropati kwangaphambili, ezinye ziqokelela kwiirhafu, kwaye ezinye iikholeji zixhomekeke kwixesha lonyaka.
Imirhumo ihlawulelwa rhoqo kwizitofu ezimbini. Into elandelayo kukujonga ukuba ixesha lokuvala ngalo libandakanya irhafu yokuhlawulwa. Ukuba iirhafu zihlawulwa, kwaye ungumthengisi, uya kufumana i-credit. Ukuba iintlawulo zihlawulwa, kwaye ungumthengi, uya kuhlawulwa. Okuphambene nenyaniso ukuba iintlawulo zingekahlawulwa kwaye zihlawulwe - abathengisi baya kufumana i-debit proration kunye nabathengi i-credit proration.
Kwezinye iimeko, nangona ukuba irhafu ayifanelekanga kwaye ihlawulwe, ukuba umhla wokuvala kwakho usondele ngomhla wokuhlawula irhafu, uya kusondeza ukuhlawula irhafu kwintengiso yomthengisi, inkokhelo inxalenye engasetyenzisiweyo kumthengisi kwaye uhlawule umthengi ngokufanelekileyo.
Abanye abathengi abathengi abayi kucela ukukhishwa kwentela kwintrakthi yokuthenga, ukuba kuyacaca ukuba umthengi kulindeleke ukuba abuyisele umthengisi ngenxalenye yeerhafu ezihlawulwa kuqala. Ukuba ungumthengisi kule meko, kwaye ungayiqondi ukubaluleka kokuthi "akukho ziqhamo," uza kuhlawula irhafu ngexesha ongayifumani ngalo propati.
Umninimzi woMnini weNdlu Ufuna ukukhutshwa
Ekubeni amaqela amanini asekhaya aqokelela iindleko zenyanga nganye (ezinye ze-HOA zenyanga zenyanga okanye ngonyaka), ukuba umdayisi engakakhokheli iindleko, iindleko ziya kuhlawulwa kwimali yomthengisi. Umthengisi uya kufumana i-credit kwingxenye engasetyenzisiweyo yeemali.
Ngokomzekelo, ukuba iintlawulo zi-$ 300 ngenyanga, i-prong dayday i-$ 10. Xa umthengi uvala ngomhla we-10 wenyanga, umthengisi uya kuhlawuliswa iintsuku ezili-10 ze-HOA okanye i-$ 100. Umthengi uya kuhlawula i-$ 200 iintsuku ezingama-20 zee-HOA.
Ukuqeshiswa kweerhafu
Irente iyabhadalwa kwangaphambili. Abathengi abathengi ipropati yokutyalomali balindele ukufumana iitaliti kuloo nxalenye yerenti echaphazela ixesha elithile umthengi uya kuba ngumnini propati.
Intengiso evala ngomhla kaNovemba 15, ebandakanya ipropati eqhutywe ngumqeshi ehlawula i-$ 1,000 ngenyanga, yayiza kubangela ukuba umthengi athathe i-credit ngeentsuku ezi-15 zerenti ehlawulwe kuqala okanye i-$ 500.
Umthengisi uya kufumana i-debit ye-$ 500. Iifomethi zokhuseleko ezigcinwe ngumthengisi nazo zidluliselwa kumthengi njengetyala kumthengi kunye nomdali kumthengisi.
Ukunyuswa kwe-inshurensi
Ii-premiums zomshuwalense zihlawulwa kwangaphambili. Abathengi ngokuqhelekileyo bathabatha ipolisi yomshuwalense omtsha / yomshuwalense xa kuthengwa ikhaya . Nangona kunjalo, ukuba umthengi uthatha umboleko okhoyo kumthengisi okanye ukuthenga kwisivumelwano somhlaba , umthengi angacela umdayisi ukuba adlulise umgaqo-nkqubo we-inshorensi okhoyo.
Imigaqo-nkqubo yomshuwalense yomlilo idluliselwa kunye okanye ngaphandle kokucingisisa. Ngokuqwalasela kuthetha umthengisi uya kuhlawulelwa kweso sihlandlo umdayisi akayi kuba ngumnikazi wepropati. Ngaphandle kokucingisisa kuthetha ukuba akuyi kuba nantoni. Uninzi lwabathengi bafumana ipolisi entsha namhlanje.
Izibonelelo zoNcedo
Akunakwenzeka ukuba izibonelelo zithengiswa ngokuvala, kodwa ukunyuka kusebenza kusetyenziswa oomasipala abathile. KwiNgingqi yaseSakramento, umzekelo, ukuba umdayisi akahlawuli i-county okanye izixhobo zedolophu (amanzi, umkhumbi, udoti), ngoko ke izixhobo ziza kuhlaziywa kwiirhafu zerhafu.
Izinto ezisetyenziswayo zithathelwa kwi-bill yeerhafu, kwaye umthengi utyalwa ngeerhafu zerhafu ezizayo. Uza kubona le meko iyenzeka ngokuthengisa okufutshane kunye nokuvalwa kwangaphambili kuba, ukuba umthengisi akenzi imali yentlawulo yempahla, umthengisi mhlawumbi akayi kuhlawula iibhidi zesevisi, nokuba kunjalo.
Ngelo xesha lokubhala, u-Elizabeth Weintraub, CalBRE # 00697006, nguMthengisi-Associate eLyon Real Estate eSigramento, eCalifornia.