Ndikotheka kugula nyumba ku United States yopanda nambala yachitetezo cha anthu (SSN). Izi zitha kuwoneka zosatheka, popeza SSN imagwiritsidwa ntchito kukhazikitsa yanu mbiri ya ngongole (zofunika pakupeza ngongole yanyumba). Komabe, akunja opanda SSN atha kugwiritsa ntchito Chiwerengero cha ( ITIN ) Kudziwika Kwa Wokhometsa Misonkho kutenga khadi ngongole yotetezedwa , ndiyeno mugwiritse ntchito khadi pomanga mbiri yabwino ya ngongole .
Ndikothekanso kuyesa kuyesa kubweza ngongole posonyeza kuti ngongole zimalipiridwa munthawi yake. Obwereketsa amakondanso kuwona kuti muli ndi nkhokwe zazikulu muakaunti yakubanki yaku US, komanso mbiri ya ntchito yokhazikika . Pamapeto pake, wogula nyumba wopanda nambala yachitetezo chachitetezo chanyumba atha kumapereka ndalama zochuluka pakulipirira nyumba, komabe azigulabe.
Mfundo zazikuluzikulu zofunika kuzikumbukira:
- Ngati wina alibe nambala yachitetezo cha anthu, Nambala Yodziwika Yokhomera Wokhoma Imatha kuthandizira kugula nyumba ngati zofunika zina zakwaniritsidwa.
- Kutsimikizira kuti mutha kupeza kirediti kadi ndikulipira mwezi uliwonse munthawi yake ndikofunikira kuti mudzakhale ndi nyumba yopanda nambala yachitetezo.
- Kukhala wokhoza kubweza 20% kapena kupitilira apo ndi gawo lalikulu pakuwonetsa mabanki kuti mutha kugula nyumba.
- Kungakhale kosavuta kuposa momwe mukuganizira kukhazikika kuno ku US M'malo mwa nambala yachitetezo cha anthu, mufunika ITIN, Nambala Yodziwika Yokhomera Wokhomera.
Ngati muli ndi ITIN ndikukwaniritsa zofunikira zomwe zili pansipa, mutha kupita kukalandira ngongole yanyumba yanu popanda SSN.
Khalani ndi mbiri yaying'ono
Kodi ndingagule nyumba yopanda chitetezo chamtundu? Chofunikira kwambiri ndikuti muyenera mbiri yakale ya mbiri yangongole . Izi zikuwonetsa obwereketsa momwe mumagwiritsira ntchito ndalama zanu. Popanda nambala yachitetezo cha anthu, izi zingawoneke ngati zosatheka. Komabe, pali njira zozungulira. Nthawi zambiri, alendo omwe ali ndi ITIN atha kupeza khadi yotetezedwa .
Mtundu wa kirediti kadi uli ndi chitetezo zomwe zasungidwa mmenemo. Chitetezo ndichofanana ndi ngongole yanu. Tiyerekeze kuti mumayika $ 500, ndiye muli ndi ngongole ya $ 500. Ngati simukumana ndi ngongoleyo, kampani yama kirediti kadi idzagwiritsa ntchito ndalamazo kulipirira ngongole yanu.
Mukakhazikitsa mbiri ndi kirediti kadi yotetezedwa kwa miyezi 6 mpaka 12 , mutha kufunsira kirediti kadi imodzi kapena ziwiri. Khadi la ngongole losatetezedwa silikhala ndi chiphaso. Mumapatsidwa ngongole yomwe mungagwiritse ntchito. Kenako muyenera kulipira ndalama zochepa pamwezi. Zachidziwikire, zimayenda bwino ngati mumalipira ndalama zoposa zomwe mumalipira, ngakhale kulipira ngongole yonse. Kugwiritsa ntchito kirediti kadi yanu pafupipafupi kumakuthandizani kuti mukhale ndi mbiri yabwino.
Njira zina zakubwerekera ndalama zilipo
Kuphatikiza pa makhadi otetezedwa komanso osatetezedwa, mutha kuwonetsa mbiri ina ya ngongole. Ndalama zilizonse zomwe mumalipira pafupipafupi komanso zomwe simumapereka ku ofesi ya ngongole zitha kuwerengedwa kuti ndi ngongole ina.
Njira zomwe mungasankhe pobwereketsa ngongole ndi renti, maphunziro, ndi zolipira inshuwaransi. Ngati mumalipira zofunikira zanu kapena ndalama zina mwezi uliwonse, nawonso amatha kuwerengera. Kuti wobwereketsa akhazikitse mbiri ya ngongole ndi maakaunti awa, adzafunika umboni wa zolipira zanu zapanthawi yake.
Mutha kuwonetsa obwereketsa macheke omwe adaletsa mwezi uliwonse, komanso ma banki anu akuwonetsa kuti achoka. Zimathandizanso kwambiri ngati muli ndi umboni wochokera kwa omwe amakupatsani kuti mumalipira ngongole zanu munthawi yake. Mwini nyumbayo akhoza kulemba fomu Yotsimikizira Kubwereka ndipo kampani yanu ya inshuwaransi, kampani yothandizira kapena sukulu imatha kulemba kalata yosonyeza kuti mumalipira ngongole zanu munthawi yake. Nthawi zambiri, mbiri ya miyezi 12-24 idzakhala yokwanira.
Pangani malipiro akulu
Obwereketsa akufuna kuwona kuti muli ndi ndalama zanu zomwe mwayika m'nyumba. Simungathe kulandira mapulogalamu olandila 3% omwe obwereketsa omwe ali ndi nambala yachitetezo amalandila. Nthawi zambiri, mufunika osachepera 20% yolipira, koma kulipira kochulukirapo kumakulitsani mwayi wovomerezedwa.
Muyenera kudziwa komwe ndalama zanu zolipirira zinayambira. Izi zikutanthauza kuti muyenera kuwonetsa miyezi iwiri yapitayi ya zikalata kubanki. Komabe, obwereketsa ena angafunike mpaka miyezi 12 yaku banki kuti awonetsetse kuti ndalama zomwe mumagwiritsa ntchito polipira ngongole si ngongole ndipo ndi ndalama zanu zomwe mwasunga kuti mulipire.
Khalani osungitsa
Obwereketsa ambiri amafunanso kuti mukhale ndi masheya omwe muli nawo. Iyi ndiye ndalama yomwe muli nayo muakaunti yaku banki yaku US yomwe ingathe kubweza mtengo wanyumba. Zili ngati thumba ladzidzidzi ngati ndalama zanu zitatha ndipo simungathe kubweza ngongole yanyumba.
Obwereketsa amayesa nkhokwe zanu kutengera kuchuluka kwa ngongole zomwe akubweza. Ngati ngongole yanu yanyumba ndi $ 2,000 ndipo mwasunga $ 20,000, muli ndi miyezi khumi yosungidwa. Mukamalipira kwambiri ngongole yanyumba ndi malo anu osungira ngongole, mumakhala ndi mwayi wopeza ngongole yanyumba yanu.
Khalani ndi mbiri yabwino pantchito
Pomaliza, obwereketsa akufuna kudziwa kuti muli ndi ntchito yokhazikika. Mwina ndi chifukwa chake mukufuna kukhazikika ku United States, koma muyenera kutsimikizira. Popanda ntchito yokhazikika, obwereketsa amatha kukuwonani ngati pachiwopsezo chachikulu chobweza ngongole. Ngati ili si dziko lanu ndipo mukukumana ndi mavuto azachuma, zingakhale zosavuta kuchoka panyumba.
Ndi ntchito yokhazikika, muli ndi chifukwa chokhala pano. Zimasonyezanso obwereketsa kuti muli ndi ndalama zodalirika zokuthandizirani kulipilira ngongole yanyumba yanu. Nthawi zambiri, mbiri yazaka ziwiri ndi womlemba ntchito yemweyo ndiyabwino kuti mungavomereze ngongole yanyumba yanu.
Kuphatikiza pa mbiri yanu yakugwira ntchito, muyenera kuwonetsa kuti muli ndi tsogolo kwa abwana anu. Mwanjira ina, wobwereketsa wanu ayenera kunena mosakaika konse kuti mudzalembedwera malo omwewo mtsogolo. Ngati muli ndi mgwirizano womwe ukutha posachedwa, mwachitsanzo, sichizindikiro cha ntchito yokhazikika.
Mutha kutenga ngongole yanyumba yopanda nambala yachitetezo munthawi yomwe muli ndi zifukwa zoyenera. Kupeza wobwereketsa kumakhala kovuta kwambiri kuposa ngati mungakhale ndi nambala yachitetezo cha anthu, koma pali obwereketsa. Pitilizani kuyang'ana mpaka mutapeza wobwereketsa yemwe wavomera ITIN yanu ndikukupatsani mitengo yabwino ndi mawu pangongole.
Kodi anthu omwe ali ndi manambala a ITIN angagule nyumba ku US?
Inde. Ngakhale zomwe mwamva, anthu opanda nambala yachitetezo cha anthu akhoza kukhala eni nyumba. Ayenera kungogwiritsa ntchito ITIN yawo (Nambala Yodziwika Yokhomera Wokhomera) kuti akalembetse nyumba. Nambala iyi ikutsimikizira kuti ngakhale mulibe nambala yachitetezo cha anthu, mukukwaniritsa udindo wanu mdziko muno kulipira misonkho.
Popeza izi zikukuyikani m'gulu la anthu omwe ali ndi maubwenzi omveka ku United States, mutha kupeza ngongole yanyumba yovomerezeka ndi wobwereketsa. Vuto lokhalo apa ndikuti mungafunike kusiya mabanki achikhalidwe ndikusaka obwereketsa abizinesi.
Mabanki achikhalidwe safuna kukuthandizani, makamaka chifukwa amakhala okhwima pankhani yolemba. Komabe, mukapita kwa wobwereketsa payekha kuti mukalandire ngongole yanokha, mutha kupeza yomwe ndi yofatsa kwambiri malinga ndi momwe zinthu zilili.
3 zifukwa zomwe anthu omwe ali ndi manambala a ITIN ayenera kugula nyumba
Kukhala mwininyumba ndimwambo wopita kwa anthu ambiri, ndipo ndichinthu chomwe tonsefe timachilakalaka. Zachidziwikire, kubwereka kumakhala kosavuta, makamaka ngati mulibe ndalama. Komabe, pali zifukwa zingapo zomwe mungafunire kukhala mwininyumba.
Ndi ndalama zabwino
Mosiyana ndi magalimoto kapena zinthu zina zomwe zimawononga phindu pakapita nthawi, mtengo wanyumba umangokulirakulira ndikuthokoza pakapita nthawi. Zachidziwikire, msika uliwonse umakhala ndi zosiyana zake, koma poganizira kuti mitengo yazinyumba imakwera chaka chilichonse, ngakhale munthawi yamavuto, ndiyabwino ndalama.
Mapindu azachuma
Boma la feduro lili ndi chidwi chofuna kulimbikitsa kukhala ndi nyumba, chifukwa zimathandizanso kukula kwachuma. Zotsatira zake, zimapereka msonkho kwa eni nyumba; Chofunika kwambiri ndi mwayi wopeza chiwongola dzanja pamalipiro anu pakubweza msonkho. Izi ndizowona makamaka kumayambiriro kwa ngongole yanyumba, pomwe ndalama zambiri zimaperekedwa pa chiwongola dzanja.
Limbikitsani ndalama zomwe mumagula
Mukabwereka, palibe chitsimikizo kuti renti ikhala yofananira pakapita nthawi. Mutha kubwereka malo tsopano, ndipo pafupifupi zaka zitatu, mwininyumba adzakuwuzani kuti mtengo wobwereka wakwera - tengani kapena musiyeni. Simudziwa kuti mudzalipira ndalama zingati mtsogolo.
Komabe, pokhala mwininyumba, nyumbayo izikhala yanu, ndipo zonse zomwe muyenera kuchita ndikulipira ngongole yanyumba pakufuna kwanu. Zachidziwikire, mudzayenera kulipira pafupifupi zaka 30 kuti muthe kubweza ngongoleyo, koma mukudziwa kuti palibe amene angakuthamangitseni ndipo mitengoyo sidzakwera modzidzimutsa.
Momwe mungagule nyumba yokhala ndi nambala ya ITIN
Ndiye mumagula bwanji nyumba yopanda nambala yachitetezo cha anthu komanso nambala yanu ya ITIN? Dongosololi liyenera kukhala losavuta. Nayi njira ndi sitepe kuti muchite:
Lemberani nambala ya ITIN
Ngati mulibe nambala ya ITIN panobe, chinthu choyamba kuchita ndicho kuyitanitsa. Pitani patsamba la IRS kuti mudzaze zolemba zomwe akupezerani kumeneko.
Pangani mbiri yakale ya mbiri yangongole
Kuti mupeze ngongole, muyeneranso kutolera mbiri ya ngongole pogwiritsa ntchito nambala ya ITIN yomwe mudapatsidwa. Yambani pang'ono. Lemberani kirediti kadi, a Ngongole yamagalimoto kapena njira ina iliyonse yangongole. Gwiritsani ntchito nthawi ndi nthawi kuti mupange ubale woyenera ndi banki. Osati onse obwereketsa omwe adzagwiritse ntchito mbiri yanu yobweza ngongole kuti adziwe ngati angalandire kapena ayi, koma zingakuthandizeni.
Pangani mbiri yolipira lendi
Si anthu ambiri omwe akudziwa izi, koma obwereketsa ambiri amayang'ana mbiri yanu yobwereka asanakupatseni ngongole yanyumba. Ndizomveka: ngati mutha kulipira lendi kwa zaka zosachepera ziwiri motsatizana, mwayi mukhala ndi ngongole yanyumba.
Pangani mbiri yabwino pantchito
Wobwereketsa akaona kuti mumakonda kuchotsedwa ntchito kamodzi miyezi ingapo, sangakhale okonzeka kukupatsani ngongole yanyumba potengera nambala yanu ya ITIN. Komabe, ngati akuwona kuti mukukhazikika ndipo mukuyenera kulipira ngongole zanu, ndiye kuti pali mwayi waukulu kuti mungalandire ngongoleyo.
Sakani obwereketsa
Zonse zimawoneka zabwino komanso zosavuta, komabe palinso vuto lopeza wobwereketsa yemwe amapereka ngongole kutengera manambala a ITIN. Fufuzani. Imbani banki yakwanuko, kapena njira ina iliyonse yomwe mungapeze. Mutha kukhala ndi mbiri yodziwika bwino ya mbiri yabwino, koma ngati simungapeze wobwereketsa, zonse zidzakhala zopanda pake.
Pezani kuvomerezedwa kale
Mukapeza wobwereketsa, chinthu chotsatira chomwe muyenera kuchita ndi pezani kuvomerezedwa kale kwa a ngongole yangongole zomwe zingathe kubweza ngongole yanu yobweza. Perekani zolemba zofunikira ndipo mutavomerezedwa kale mutha kupita ku gawo lotsatira komanso lomaliza.
Yang'anani nyumbayo
Mukuvomerezedwa kale, chifukwa chake pano, zonse zomwe muyenera kuchita ndikusaka nyumba yomwe mukufuna. Tsopano popeza mwavomerezedwa kale kuti mutenge ngongoleyi, mukudziwa ndendende mtengo womwe mungapiteko. Mukachipeza, tengani ngongole ndikugule maloto anu kunyumba.
PANGANI ngongole zanyumba
Mukuyang'ana wina kuti akupatseni ngongole kutengera nambala yanu ya ITIN? Tachepetsa njira zina:
Zofunikira
Zofunikira zimadalira wobwereketsa. Mwachitsanzo, ena atha kukufunsani kuti mubweretse umboni wa omwe akudalira limodzi ndi zolembedwa zovomerezeka ndikupeza ITIN kutengera mawonekedwe anu a W-7. Mufunsidwanso kuti mupereke zikalata zina zoperekedwa ndi IRS.
FNBA
Mwa kufuna a malipiro oyamba osachepera khumi ndi zisanu% Ndipo pokhala ndi ngongole yanyumba yazaka 15 mpaka 30, FNBA ndi njira yabwino ngati mukufuna ngongole ya ITIN. Kuphatikiza apo, mumayandikira mwachangu ndikuvomerezanso mitundu yambiri yazanyumba.
Ngongole zanyumba
Ndikulipira kochepera kwa 10%, kampaniyi imapereka ngongole za ITIN kuyambira 5.375% mpaka 8.750%. Komabe, zimatengera phindu la ngongole, chifukwa chake lankhulani ndi wobwereketsa.
Prime 1 Bancorp
Pomwe mukukayika, eni nyumba ambiri amapita ku Prime 1. Mutha kufunsa 20% yolipirira, koma ilinso ndi mitengo yabwino.
ACC Ngongole
Pofuna kulipira 15%, iyi ndiyabwino kwa nzika zakunja zomwe sizingathe kupereka umboni weniweni wa ndalama. Zachidziwikire, mutha kufunsidwa kuti mupeze umboni wokhudzana ndi mbiri yanu yangongole, koma zofunikira zonse zimadalira aliyense payekha.
Pitani ku Alterra
Ndikulipira kochepera 15%, mumalandira chiwongola dzanja cha zaka 30, komanso kubweza msonkho kwa chaka chimodzi. Ndi njira yabwino kwambiri kwa iwo omwe akufuna kugula nyumba yopanda nambala yachitetezo cha anthu.
Momwe mungagwiritsire ntchito ngongole yanu kuti mulipire ndalama kunyumba
Kupeza ngongole ndi Stilt kuyenera kukhala njira yosavuta, popeza pali njira zitatu zokha zomwe zikukhudzidwa:
- Lemberani ngongoleyi: perekani zolemba zofunikira kuti mulandire kuvomerezedwa. Kukakhala kuti zikalata zina zikufunika, mudzapezekanso.
- Landirani mwayi: a Zolemba zanu zikawunikiridwa, mudzalandira chindapusa. Mudzagwiritsa ntchito ndalamazo kusaka nyumba zomwe zili ndi bajeti.
- Yambani kupanga zolipira: Tsopano popeza mwatsiriza ngongole yanu ndipo mwagula nyumba, ndi nthawi yoti mupereke ndalama mwezi uliwonse munthawi zomwe mwasankha.
mapeto
Ngakhale mutakhala kuti mulibe nambala yachitetezo cha anthu, izi sizitanthauza kuti simungakhale eni nyumba. Zomwe mukusowa ndi nambala yanu ya ITIN, kuchuluka kwanu kwa ngongole, komanso kufunitsitsa kuti mupereke ndalama zanu munthawi yake. Malingana ngati mukufufuza kwanu moyenera, sipayenera kukhala vuto kupeza wobwereketsa yemwe angavomereze ngongole yanu.
Zamkatimu
- Khalani ndi mbiri yaying'ono
- Njira zina zakubwerekera ndalama zilipo
- Pangani malipiro akulu
- Khalani osungitsa
- Khalani ndi mbiri yabwino pantchito
- Kodi anthu omwe ali ndi manambala a ITIN angagule nyumba ku US?
- 3 zifukwa zomwe anthu omwe ali ndi manambala a ITIN ayenera kugula nyumba
- Ndi ndalama zabwino
- Mapindu azachuma
- Limbikitsani ndalama zomwe mumagula
- Momwe mungagule nyumba yokhala ndi nambala ya ITIN
- Lemberani nambala ya ITIN
- Pangani mbiri yakale ya mbiri yangongole
- Pangani mbiri yolipira lendi
- Pangani mbiri yabwino pantchito
- Sakani obwereketsa
- Pezani kuvomerezedwa kale
- Yang'anani nyumbayo
- PANGANI ngongole zanyumba
- Zofunikira
- FNBA
- Ngongole zanyumba
- Prime 1 Bancorp
- ACC Ngongole
- Pitani ku Alterra
- Momwe mungagwiritsire ntchito ngongole yanu kuti mulipire ndalama kunyumba
- mapeto