Kuthatha ini ukuthenga indlu?
Yini engiyidingayo ukuthenga indlu e-United States? . Ukuqoqa amaphepha nemibhalo oyodinga ukuyithenga ekhaya kungukuhamba okuhlakaniphile, futhi akuwona umsebenzi omningi njengoba ubungalindela, ikakhulukazi uma wazi ukuthi uzodingani. Uzoba nesikhathi esilula ekubambiseni kwakho ngempahla ngesikhathi esinengcindezi, futhi lokho kungahamba ibanga elide ekususeni ngonyawo lwesokudla, ikakhulukazi kubathengi bokuqala ekhaya.
Thenga isibambiso
Qhathanisa imalimboleko efanayo komunye nomunye ngaphambi kokuthi uqale. Cela isaphulelo kumbolekisi ngamunye; Kudingeka ukuthi bakunikeze ngokwamazinga TRID .
Ungaqhathanisa izindleko zohlobo ngalunye lwemalimboleko yekhaya. Izindleko zokuvala zomthengi wakho zingabandakanya iphuzu lemalimboleko noma amabili. Buza imibuzo uma ungaqondi isilinganiso sokuvala.
Ngaphambi kokukhuluma nombolekisi wempahla
Manje yisikhathi sokuqala ukuqoqa imibhalo.
Thola ikhophi yombiko wakho wesikweletu bese uwuhlola . Unelungelo lokuthola umbiko owodwa wamahhala ovela kuzinkampani ezintathu zokubika ngesikweletu unyaka ngamunye. Thinta okweletwayo ukukulungisa uma uthola iphutha. Qaphela noma yikuphi ubugebengu. Isikolo sakho NGINGUYE kuyothinteka kabi uma usukhokhe isikhathi eside kakhulu.
Imvamisa ungathola imalimboleko ye-FHA noma ngabe unesilinganiso esiphansi sesikweletu. Imalimboleko ye-FHA nayo idinga ukukhokhelwa phansi okungaphansi kuka-2.85% wentengo yokuthengisa.
Ukufaneleka ngombolekisi
Abanye ababolekisi bangafuna ukubona imibhalo yokuxhasa noma iyiphi imali mboleko onayo njengamanje. Lokhu kubasiza ukuthi banqume isilinganiso sakho sesikweletu kuya kwengeniso, okuyisici esibalulekile kunqubo yokuvunywa kwempahla.
Cabanga ngamakhadi wesikweletu, izinkokhelo zemoto, kanye nemalimboleko yabafundi. Izitatimende zakho zakamuva kufanele zanele uma zifaka ibhalansi yakho esele futhi izinkokhelo zakho ezidingekayo zanyanga zonke, futhi kufanele zibonise izinombolo ze-akhawunti, kanye namagama namakheli wababolekisi.
Umbolekisi uzoqinisekisa ukuqashwa kwakho ukuze aqale ukucubungula imalimboleko yakho . Lokhu kuvame ukwenziwa ngokubathumela i- ifomu lokuqinisekisa umsebenzi , ngakho-ke weluleka umqashi wakho ukuthi alinde lesi sicelo semininingwane. Cela umnyango wakho we-HR noma umphathi wakho ukuthi athumele imibhalo eceliwe ngokushesha.
Ukuhlolwa Kokungena
Umbolekisi uzophinde afune amadokhumende avela kuwe asekela imali oyitholayo, kufaka phakathi nezinkokhelo zamanje zokukhokha. Izimbili zakho zokugcina kufanele zanele. Yenza amakhophi. Ungahambisi okwangempela kwakho.
Ababolekisi nabo bazofuna i- iminyaka emibili edlule yamafomu e-W-2 okwakho noshade naye uma nishadile. Le yimbuyiselo yakho yeholo nentela, ekhishwa umqashi wakho unyaka nonyaka wekhalenda, futhi ifaka phakathi yonke imininingwane emholweni wakho, izinzuzo ezikhokhiswayo nentela obekugodliwe emholweni wakho.
Uma ungakayifaki imbuyiselo yakho yentela yenhlangano ngonyaka owedlule, thola izimbuyiselo zakho eminyakeni emibili edlule. Yenza amakhophi futhi uqiniseke ukuthi ufaka zonke izikhathi.
Qiniseka ukuthi amafomu entela asayinwe nguwe futhi abhalwe usuku.
Abanye ababolekisi bazofuna izinyanga ezimbili zezitatimende zasebhange , kanti abanye bacela abathathu. Yenza ikhophi yesikhungo ngasinye bese ufaka wonke amakhasi, ngisho namakhasi angenalutho.
Yenza ikhophi yesitatimende ngasinye uma unamasheya, amabhondi, izimali ezihlangene, noma ama-akhawunti omhlalaphansi. Ababolekisi kwesinye isikhathi bakhetha amakhophi aqinile kunalawo ongawaphrinta ku-inthanethi, kepha bazokwamukela izitatimende online uma uzithola kanjalo izitatimende zakho. Yenza amakhophi. Ungathumeli okwangempela .
Uzodinga futhi nohlobo oluthile lwesitatimende senzuzo nokulahleka uma ngabe uzisebenza, kanye nembuyiselo yentela yenkampani yeminyaka emibili uma ungumnikazi webhizinisi elifakiwe.
Ungaletha ilayisense lakho lokukhomba nokuzala kabusha uma uhlangana nombolekisi mathupha. Ngaphandle kwalokho, kopisha ilayisense yakho kuskena noma kumakhophi bese uyifaka. Ilayisense yakho kufanele ifake phakathi isithombe sakho.
Idiphozi yakho yemali
Cishe kuzodingeka ukwenze hlola ukuthi le mali ivelaphi . Uma kuyisipho esivela emndenini noma kubangani, uzodinga isitatimende esivela kubo ngamunye wabo esiqinisekisa inani nokuthi akulindelekile ukuthi usikhokhe. Ngamanye amagama, akuyona imali mboleko okufanele ifakwe kwisilinganiso sakho sesikweletu-kuya-imali engenayo.
Kufanele kubonakale ezitatimendeni zakho zasebhange ukuthi ngabe uyigcinile ngenkuthalo imali noma uthengise enye impahla ukukhulisa imali, futhi usuwanikeze amakhophi ayo.
Buza ngezindleko zokuqalisa
Ababolekisi abaningi bazocela imali ukuze bathole ikhophi yombiko wakho wesikweletu, kepha abanye abayitholi. Izimali zokubheka kanye nezokubika ngesikweletu zivame ukukhokhwa lapho usukulungele ukwamukela imalimboleko, hhayi lapho ufaneleka.
Ungakhokhi imali ekhokhwayo kumbolekisi kuze kube yilapho ukhethe ukusebenzisa lowo obolekisayo.
Imibhalo yencwadi yakho yokuvuma ngaphambi kwesikhathi
Uhlobo lwamaphepha owadingayo nalo luzoya ngokuthi ukuphi lapho kuthengwa khona izindlu. Uma ungakagunyazelwa ukuthenga impahla noma imali, amadokhumende owadingayo ngaleso sikhathi angahluka kakhulu ezintweni zokuthengisa zangempela.
Thola eyakho incwadi yokuvuma kuqala kungenye yezinyathelo zokuqala zenqubo yokuthenga ekhaya. Isikhungo sakho sezezimali sizodinga imininingwane ebanzi ngobunikazi bakho nangezezimali ukuthola le ncwadi. Incwadi yangaphambi kokuvunywa ikunikeza imvume yokuqala yemali ethile yezimali ekhayeni lakho.
Ukuthola incwadi yokuvunywa kuqala kuqala kuzokunikeza umbono ongcono wokuthi hlobo luni lokukhokha imali ongayikhokhela nokuthi ungathola imali engakanani. Ungaqala inqubo yokusesha ekhaya ngaphandle kwencwadi, kepha abathengisi abangaba khona bangacabanga ukuthi ungumthengi obalulekile uma usunayo incwadi yakho yokuvunywa kwangaphambili.
Izibonelo zemibhalo edingekayo ukuthola incwadi yokuvuma ngaphambi kwesikhathi zizobandakanya:
- amakhophi ama-stubs akhokhelwa njengamanje okungenani izinkathi ezimbili zokugcina;
- Imininingwane ye-W-2 yonyaka wokugcina wekhalenda;
- amakhophi entela yakho yentela, kufaka phakathi wonke amashejuli;
- izitatimende zasebhange zezinyanga ezimbili kuya kwezintathu ezedlule;
- izitatimende zezimpahla (amasheya, amabhondi, ama-akhawunti omhlalaphansi, njll.); futhi
- Ikhophi yelayisense yakho yokushayela yamanje.
Ungadinga futhi imininingwane eyengeziwe, ezokwehluka ngokuya ngesimo sakho sezezimali. Isibonelo, ngemuva kokuhlaziya ngokucophelela amarekhodi akho e-akhawunti yasebhange, umbolekisi wakho angacela imininingwane eminingi yokuthi isetshenziswe kanjani imali noma incazelo yokuthengiwe okukhulu kwakamuva.
Amadokhumenti kunqubo yokunikezwa / yokwamukela
Kufanele ubhale isithembiso esisemthethweni ukuqala inqubo yezingxoxo. Isiphakamiso sizofaka imininingwane ebalulekile, efana nale:
- inani lokuthenga eliphelele,
- imali yokuqala ngokuthembeka ukuhambisana nomnikelo,
- ukuthi intengo yokuthenga esele izokhokhwa kanjani,
- imininingwane ngokuvalwa nokuphathwa, futhi
- noma yiziphi izimo ezingaba khona (njengokuthola imali eyanele noma ukuthengisa elinye ikhaya).
YAMUKELA NOMA WENQABE
Umthengisi uzophendula ngokwamukela noma ukwenqaba okunikelwayo. Uma benqaba okunikezwayo, bangaphinde banikeze ukunikezwa okuphikisayo. Akunandaba ukuthi umthengisi uphendula kanjani, kufanele bakwenze lokho ngokubhala phansi.
Idokhumenti esetshenziselwa ukuhambisa ukunikezwa nokwamukelwa kuvame ukubizwa ngokuthi isivumelwano sokuthenga. Iqukethe zonke izimo ezidingekayo zokuthengisa nokuthi yini ngempela okuthengiswayo.
Kudingeka imibhalo ukuqedela ukuthengisa
Uma usenze isipho ekhaya futhi kwamukelwa, uzothola imininingwane eyengeziwe mayelana nekhaya. Lolu lwazi lungaholela ekuxoxisaneni kabusha kwentengo noma lungakudikibalisa ekuthengeni ngokuphelele. Imibhalo elandelayo iyadingeka ukuqedela ukuthengisa.
- Isitatimende sokudalulwa komthengisi: omunye waleyo mibhalo yi- isitatimende sokudalula kwe umthengisi . Lo mbiko unikeza ukufingqwa kolwazi lomthengisi ngempahla. Izofaka imininingwane yomsebenzi wangaphambilini owenziwe ekhaya, izindawo ezingaba nezinkinga, nanoma yikuphi ukubuyekezwa noma ukwakhiwa okwenziwe ekhaya. Yenzelwe ukuhlinzeka lonke ulwazi mayelana nekhaya elingathinta kabi inani, ukusetshenziswa, noma ukujabulela impahla. Ukudalulwa okudingekayo komthengisi kuzohluka ngombuso, kepha imvamisa kukhona ifomu okufanele ulisebenzise njengengxenye yenqubo yokuthengisa. Ngokuvamile, ifomu lizoba yimibuzo eminingi ethi yebo / cha enezikhala zezincazelo ezivela kumthengisi.
- Umbiko wokuhlolwa kwekhaya. Noma kungadingeki ngokwezobuchwepheshe, kuwumqondo omuhle ukuhlolela ikhaya ngokuphelele kuleyo ndawo. Umhloli wasekhaya uzokwenza ukuhlolwa okubonakalayo kwazo zonke izingxenye ezibalulekile zendlu, kufaka phakathi izinto ezibiza kakhulu njengesisekelo, izinhlelo zikagesi, namapayipi amanzi. Kuzohlolwa izinto ezinkulu ezifana ne-air conditioner, i-heater yamanzi ne-oven. Umhloli uzonikeza umbiko ngesimo sendlu. Umbiko uzoqhakambisa izindawo ezinenkinga ongazikhathaza ngazo. Uma izinkinga zincane, umbiko ungasebenza njengohlu lwezinto ezizosiza amaphrojekthi amancane phansi komgwaqo. Umbiko ungabuye uphakamise imisebenzi yesondlo ejwayelekile engasiza kakhulu kumthengi wokuqala wekhaya. Ukuhlolwa kwekhaya nakho kunganikeza imininingwane eyengeziwe ongayisebenzisa ukuphinda uxoxe ngentengo yekhaya lakho. Ungase wehlise intengo uma ungakwazi ukukhombisa umthengisi ukuthi kuzodingeka wenze ukulungiswa okukhulu. Ungacela nomthengisi ukuthi enze okunye kwalokhu kulungisa ngaphambi kokuthenga kwakho kwekhaya.
- Ukuhlolwa kwe- izinambuzane : i Izinambuzane ezinjengamagundane, amalulwane nomuhlwa zingadala izinkinga zempilo futhi zize zibeke engcupheni ubuqotho besakhiwo sekhaya. Futhi, yize kungadingeki ngobuchwepheshe, kuwumqondo omuhle ukwenza ukuhlolwa kwezinambuzane zekhaya lakho elisha. Uma kunezinkinga, ungasebenzisa imininingwane njengethuluzi lokuxoxisana noma ucele ukuthi umthengisi abhekane nanoma yiziphi izinkinga noma ukulimala kwezinambuzane ngaphambi kokuba kwenziwe ukuthengiswa.
Imibhalo edingekayo yokudluliselwa kwezezakhiwo
Uma usuthathe isinqumo sokuthi kungenzeka ube nekhaya futhi umthengisi abelane ngolwazi olwengeziwe maqondana nekhaya, uzoqala ukubona imibhalo eminingi engajwayelekile yokuqedela ukuthenga. Iningi lale mibhalo lizolungiswa futhi libuyekezwe ngumthengisi bese likulethela lona.
Yize imibhalo yesibambiso sendlu nokudluliswa kwempahla yangempela kuvame ukufakwa ndawonye, empeleni kuyizinqubo ezimbili zomthetho ezihlukene. Ukudluliswa kobunikazi kuzodinga imibhalo elandelayo:
- Ukubhala: Itayitela lidlulisa ubunikazi ngokusemthethweni lisuka kumthengisi liye kumthengi. Ungakhetha uhlobo lwempahla oyithathayo, kufaka phakathi ngakunye, ngokuthembana, okungeyakho ngokuhlanganyela, noma ezinye izinhlobo zobunikazi. Lapho itayitela seliqediwe, lizofakwa kwi-County Recorder ukuze likwazi ukwengezwa kahle kuhlu lwezihloko zaleso sakhiwo. Kunezinhlobo eziningi zezenzo ongazisebenzisa. Uhlobo ngalunye lwetayitela luneziqinisekiso ezahlukahlukene maqondana nesihloko esinamathiselwe. Isibonelo, itayitela lokuphepha elijwayelekile liyindlela ejwayelekile yokudlulisa impahla. Kuqinisekisa ukuthi umthengisi unesihloko esicacile sendawo futhi unegunya noma ilungelo lokuthengisa impahla. Ezinye izinhlobo zamatayitela, kufaka phakathi amatayitela okusula, anikela ngokuvikelwa okuncane kakhulu uma isihloko setayitela sempahla sikhulunywa ngaso.
- Umthethosivivinywa wokuthengisa: Uma ikhaya lithengiswa ngempahla yomuntu siqu, njengama-air conditioner, izinto zikagesi, noma izinto zokukhanya, kungadingeka nokuthi usebenzise ibhili yokuthengisa. Lo mbhalo uzosungula ukuthi iyiphi impahla efakiwe entengiselweni engaphandle kwe-real estate.
- I-afidavithi yomthengisi noma isitifiketi setayitela: Igama lale dokhumenti lizohluka ngezwe. Kodwa-ke, kuyincwadi efungelwe evela kumthengisi eqinisekisa ubunikazi bempahla. Iphinde ichaze noma yikuphi ukukhubazeka esihlokweni, kufaka phakathi noma yikuphi ukuqashiswa, izikweletu, noma izingxabano ezingase ziphakame futhi ezingathinta isihloko. Ngokungafani nokudalulwa komthengisi, le dokhumenti igxile kakhulu kusihloko kunasesimweni sekhaya uqobo. Ngoba isihloko sendawo sibaluleke kakhulu, izifundazwe eziningi zikunikeza ithuba lokuthola umshuwalense wetayitela. Umshuwalense wesihloko uyakuvikela uma kunezinkinga noma ukukhubazeka ngesihloko esivela ngemuva kokuqedwa kokuthengiswa kwempahla. Uma umthengisi egcina engenaso isihloko esicacile saleyo mpahla, konke ukuthengisa kungaba yize. Umshuwalense wesihloko ukuvikela ekulahlekelweni okungenzeka okuhlobene nokukhubazeka esihlokweni,
- Dlulisa amafomu entela: Yize lo mbhalo ungadingeki kuzo zonke izifundazwe, ezinye izindawo noma izifunda zidinga ukuthi umthengi nomthengisi badalule inani lentengo yekhaya kwidokhumende elisemthethweni. Lokhu kuvumela isiphathimandla sentela ukubala intela yokuthengisa noma ezinye izintela ezithintwe intengo yokuthengisa.
Imibhalo edingekayo yokubambisa ngempahla
Uma futhi uthola imali ebolekiswayo yasekhaya, kuzodingeka ugcwalise amanye amadokhumenti. Ngokungafani nemibhalo yokuthengisa, amadokhumende okubambisa athinta wena nesikhungo sakho sezezimali kuphela.
- Inothi: Inothi lakho incazelo yesikweletu osikweleta umbolekisi empeleni. Setha imigomo yemalimboleko nokuthi uzoyikhokha kanjani imalimboleko. Kubandakanya nemininingwane yenzalo esebenzayo kanye nokuthi uzokhokha isikhathi esingakanani.
- Imali mboleko: Imali ebanjiswa ngempahla ngumbhalo oxhuma inothi nesibambiso sakho - ikhaya lakho elisha. Kubonisa ukuthi uma inothi lingakhokhelwa, ukuphepha kungahle kuhlolwe (noma kuthathwe) bese kuthengiswa ukuze kukhokhelwe isibopho esisele esihlotshaniswa nenothi.
- Isicelo semalimboleko: Isicelo sakho semalimboleko sihlinzeka cishe yonke imininingwane oyinikeze kumbolekisi. Bavele bakucele ukuthi ubuyekeze ukufingqwa kwemininingwane bese uqinisekisa ukuthi ilungile.
- Ukulinganiswa Kwemalimboleko Nokudalulwa Kokuvala: Lo mbhalo uhlinzeka ngemininingwane ewusizo mayelana nemalimboleko yakho. Imininingwane ifingqiwe ukuze ube nayo yonke imininingwane ebalulekile mayelana nemalimboleko yakho endaweni eyodwa. Idizayinelwe ukusiza abathengi ukuthi bawaqonde kangcono amalungelo nezibopho zabo ngaphansi kwesivumelwano.
Okuqukethwe
- Kuthatha ini ukuthenga indlu?
- Thenga isibambiso
- Ngaphambi kokukhuluma nombolekisi wempahla
- Ukufaneleka ngombolekisi
- Ukuhlolwa Kokungena
- Idiphozi yakho yemali
- Buza ngezindleko zokuqalisa
- Imibhalo yencwadi yakho yokuvuma ngaphambi kwesikhathi
- Amadokhumenti kunqubo yokunikezwa / yokwamukela
- YAMUKELA NOMA WENQABE
- Kudingeka imibhalo ukuqedela ukuthengisa
- Imibhalo edingekayo yokudluliselwa kwezezakhiwo
- Imibhalo edingekayo yokubambisa ngempahla