Izidingo Zokuthenga Ikhaya E-United States - Umhlahlandlela

Izidingo zokuthenga indlu e-USA . Njalo ngonyaka izinkulungwane zabantu bokufika zithenga impahla e-United States. Siyethemba lo mhlahlandlela usebenza njengolwazi lwangemuva, ngenkathi uthintana nomenzeli onolwazi kanye nethimba ukukusiza kakhulu.

Yini engiyidingayo ukuthenga indlu e-United States?

Indlela okwenziwa ngayo ukuthengiswa kwezindlu e-United States ingahluka ezweni lakini. Isifundazwe ngasinye sinemithetho yaso cishe kuyo yonke imikhakha yenqubo, ngakho-ke kunconywa ukuthi uqoqe ithimba elinolwazi labathengisi bezindlu, abameli, abathengisi bezindlu, kanye nababhali bama-akhawunti ukuze babonisane nabo endleleni. Mhlawumbe umehluko omithathu obaluleke kakhulu e-United States unje:

1. E-United States, abathengisi bezezindlu babelana ngolwazi mayelana nale ndawo. Abathengi, njengawe, bangafinyelela kulolo lwazi olufanayo besebenzisa amasayithi wezezakhiwo afana nawo Zillow . Ezingxenyeni eziningi zomhlaba, abenzeli bagcina ukufakwa kuhlu futhi abathengi kufanele basuke kumenzeli baye kumenzeli ukuze bacinge futhi baqhathanise izakhiwo.
2. E-United States, ngumthengisi ovamise ukukhokhela umenzeli imali (okusho ikhomishini yokuthengisa) . Kwamanye amazwe amaningi, bekunguwe ozokhokhela umenzeli ukuthi ahlole izakhiwo futhi akubonise.
3. E-United States, ama-real estate agents badinga ilayisense yokusebenza. Imithetho yamalayisense wombuso ngamunye iyahluka ngokuya ngemininingwane yale layisense. Bheka izwe nemithetho yalo ukuthola eminye imininingwane.

Abezizwe bangathenga cishe noma yiluphi uhlobo lwempahla e-United States (amakhaya omndeni owodwa, amakhondomu, ama-duplex, ama-triplex, ama-quadruplexes, izindlu zedolobha, njll.) . Okukhishwa kwakho kuphela kungaba ukuthenga imifelandawonye noma imifelandawonye yezindlu.

Isinyathelo sokuqala

Ngaphambi kokuqala ukusesha impahla yakho, kubalulekile ukwazi ukuthi yini oyifunela le ndlu:

1. Okweholide?
2. Ngenkathi ngenza ibhizinisi e-United States?
3. Okwezingane zakho, ngenkathi ziya ekolishi e-United States?
4. Ukutshalwa kwemali?

Izimpendulo zale mibuzo zizoqondisa ukusesha nokuthengisa.

Inqubo

Izidingo zokuthenga indlu. Izinyathelo ezijwayelekile, inqubo, nemininingwane yokuthenga izakhiwo e-United States zihluke kancane kwamanye amazwe amaningi:

1. Unikeza isithembiso futhi wenza isivumelwano.
2. Umthengisi ukukunikeza imibhalo yokudalula, umbiko wokuqala wetayitela, amakhophi emibiko yedolobha, kanye neminye imibhalo yendawo.
3. Ubeka inani elithile lemali entengo yokuthenga. Yilapho usebenza khona nebhange (noma abanye ababolekisi) ukuthola imalimboleko.
4. Ukuvalwa okungenzeka ehhovisi lommeli noma nge-ejenti yokuqashwa kwenkampani yetayitela. Ngezinye izikhathi, umthengi nomthengisi basayina amadokhumenti okuvala ngokuhlukile. Kuzo zonke izimo, hlela ukusayina inqwaba yemibhalo lapho kuvalwa. Futhi lindela ukukhokha imali eyengeziwe ngesihloko nokuseshwa komshuwalense, imali yezomthetho, nemali yokubhalisa engeza u-1-2.25% owengeziwe kokuthengiselana okuphelele. Ngakho-ke ekhaya lama- $ 300,000, lokho kusebenza kwamanye ama- $ 3,000 okungenani.

Ungahle noma ungafuni ukuya e-US ukuvala. Endabeni yokugcina, kufanele usayine iPower of Attorney, lapho ugunyaza khona omunye umuntu ukuthi akumele futhi akusayinele.

Ifuna umthengisi wezezakhiwo

Ukuthola umenzeli wakho ophelele, uzofuna ukwenza okulandelayo:

1. Cela ukuthunyelwa kubangani bakho abathembekile noma kulabo osondelene nabo.
2. Sesha amawebhusayithi
3. Sesha izinkomba zezindlu
4. Qinisekisa ukuthi umenzeli unelayisense. Angaphatha i-Certified International Property Specialist Designation ( AMA-CIPS ), okusho ukuthi uthathe ezinye izifundo. Ukubheja kwakho okuhle ukufuna ongoti bezakhiwo zomhlaba abaqinisekisiwe ukusiza abokufika ukuthi bathenge izindlu.
5. Bheka izinkomba nokuhlola.

Ungahle uthande ukuthola ifayela le- ummeli wezezakhiwo . Angabuyekeza inkontileka yokuthengisa yakho, aqinisekise isihloko namanye amadokhumenti ahlobene nokuthengiwe kwakho, futhi akweluleke ngezindaba zomthetho nezentela ezihlobene nempahla yakho.

Ungayithola kanjani imali

Ngamanani emali mboleko aphansi kakhulu, abathengi abaningi bamazwe aphesheya bakhetha ukuxhasa ngemali ukuthenga kwabo. Ngakolunye uhlangothi, bambalwa ababolekisi e-United States abanikela ngemali mboleko yasekhaya kubathengi bangaphandle. Konke ngokuthola umbolekisi ofanele.

Lindela ubunikazi bakho, imali oyitholayo, nomlando wakho wesikweletu ukuthi ubuyekezwe kahle. Futhi yazi ukuthi ababoleki bakwamanye amazwe bakhokha inzalo ethe xaxa kancane kunezakhamizi zase-US.
Ukuze uzuze isivumelwano esizedlula zonke, uzofuna ukuthola okulandelayo ngokulandelana:

1. Inombolo Yokuhlonza Yomkhokhintela Ngamunye ( I-ITIN ), Elinikezwe abantu bakwamanye amazwe abasebenza isikhashana noma abahlala okwesikhashana e-US.
2. Okungenani izinhlobo ezimbili zokuhlonza, njengepasipoti evumelekile nelayisense yokushayela. Ngokuya ngobuzwe, abanye abathengi kudingeka bakhombise i-visa ye-B-1 noma ye-B-2 (isivakashi).
3. Imibhalo ekhombisa imali engenayo eyanele.
4. Izitatimende zebhange okungenani izinyanga ezintathu.
5. Izincwadi zokubhekisela ezivela ebhange lakho noma ezikhungweni zezikweletu.
6. Amabhange amaningi adinga ababoleki abavela kwamanye amazwe abafanelekile ukuthi bakhokhe okungenani amaphesenti angama-30 enani lekhaya njengesengaphambili. . Lokhu kungaba yimali, yize ukuthengiselana ngemali engaphezu kwama- $ 10,000 kubikwa kuhulumeni wesifundazwe ukuqinisekisa ukuthi imali itholakale ngokusemthethweni. Imibandela yemalimboleko iyahlukahluka emabhange amaningi adinga ukuthi okungenani ube ne-100,000 ku-akhawunti yakho, kanti amanye anciphisa imalimboleko kwisigidi esisodwa noma ezimbili.

Wonke amabhange aseMelika anokwethenjelwa ahlinzeka ngemali ebolekisayo ehlukahlukene ephephile futhi engabizi, kufaka phakathi imali mboleko engenzalo yamaSulumane.

Izintela

Ungagcina ukhokha izinhlobo ezimbili zentela kuleso sakhiwo:

1. Ezweni lakini, kuya ngokuthi izwe lakho linaso yini isivumelwano sentela ne-United States. Xhumana nommeli wentela ojwayelene nesivumelwano ezweni lakini ukuze uthole isiqondiso.
2. Kuya e-United States intela yemali engenayo e-United States kunoma iyiphi imali engenayo etholwe ngempahla eqashiswayo. Uzokhokha imali yesifundazwe neyesifundazwe.

Inani lentela yempahla lihluka ngohulumeni nangesifunda , kusuka kumakhulu ambalwa wamadola kuya ezinkulungwaneni zamaRandi ngonyaka, kuya ngendawo nenani lempahla. Ngokuya ngezwe lakho lendabuko, abanye abathengi bakwamanye amazwe bathola le ntela iphakeme, abanye bayakufanelekela ukuthi kushibhile. Intela yempahla yeManhattan iyabiza ngokungafani neLondon neHong Kong.

Uma usunenkontileka eqinisekisiwe

kuya) Ukuhlolwa kwasekhaya: Leli yithuba loMthengi lokwenza ukuhlolwa ngakunye okubalulekile kuMthengi. Qiniseka ukuthi uxoxa ngeNkathi Yokuhlola Yomthengi nomenzeli womthengi wakho lapho ubhala isipho sokuthenga.

Isikhathi sokuhlola somthengi siqala ekwamukelweni kwenkontileka futhi siphelelwa yisikhathi njengoba kukhonjwe esivumelwaneni sokuthenga. Isikhathi esivamile sokuhlola yizinsuku eziyi-14 ngemuva kokwamukelwa kwenkontileka. Okungenani, uMthengi uzo-oda futhi enze ukuhlolwa kwezindlu okuchwepheshe. Lokhu kuvame ukukhokhelwa ngumthengi. Noma yikuphi ukulungiswa okudingekayo kuyaxoxwa phakathi komthengi nomthengisi.

b) Ukuhlolela ukungena kwezinkuni (umuhlwa) ingabanjwa ngalesi sikhathi noma isitifiketi esinikezwe ngumthengisi (lokhu kungahluka phakathi kwezifunda)

c) Upende osuselwa ekuholeni: nalokhu, uma kunesidingo, kufanele kwenziwe ngalesi sikhathi uma indlu yakhiwa ngaphambi kuka-1978 (lokhu kungahluka phakathi kwezifunda)

d) Ukuhlola: Lokhu kwenziwa yinkampani eboleka imali / umbolekisi ukuze aqiniseke ukuthi impahla ilifanele inani lemali obolekisayo.

Vala isivumelwano:

a) Le yinqubo edlulisa ubunikazi beProphathi kanye nesihloko kanye nezimali zisuka ekuthengisweni ziye ezinhlangothini ezifanele. Lokhu kwehlukile phakathi kwamazwe - umthengisi / umenzeli wakho uzokwazisa ngendlela eqondile namaqembu athintekayo.

Halala!

a) Okwenziwayo kwezezakhiwo sekuphelile futhi sekuyisikhathi sokungena ekhaya lakho elisha!

Okuqukethwe

• Yini engiyidingayo ukuthenga indlu e-United States?
• Isinyathelo sokuqala
• Inqubo
• Ifuna umthengisi wezezakhiwo
• Ungayithola kanjani imali
• Izintela
• Uma usunenkontileka eqinisekisiwe
• Vala isivumelwano:
• Halala!

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