Zimatenga chiyani kugula nyumba?
Kodi ndikufunika chiyani kuti ndigule nyumba ku United States? . Kupeza zolemba ndi zikalata zomwe muyenera kugula kuti mugule nyumba ndichinthu chanzeru, ndipo si ntchito yochuluka momwe mungayembekezere, makamaka mukadziwa zomwe mukufuna. Mudzakhala ndi nthawi yosavuta pangongole yanu panthawi yovuta, ndipo izi zitha kupita kutali kuti zikuthandizeni kuti mukhale ndi phazi lamanja, makamaka kwa ogula nyumba koyamba.
Gulani ngongole yanyumba
Yerekezerani ngongole zofananira wina ndi mnzake musanayambe. Funsani mtengo kuchokera kwa wobwereketsa aliyense; akuyenera kukupatsirani malinga ndi miyezo TRID .
Mutha kuyerekezera mtengo wamtundu uliwonse wanyumba yanyumba. Ndalama zotsekera za ogula anu ziphatikizira pangongole kapena ziwiri. Funsani mafunso ngati simukumvetsetsa kuyerekezera kotseka.
Musanalankhule ndi wobwereketsa ngongole
Ino ndi nthawi yoyamba kusonkhanitsa zikalata.
Pezani lipoti lanu la ngongole ndikuyang'ana . Muli ndi ufulu wolandila lipoti limodzi laulere m'mabungwe atatu ofotokoza za ngongole chaka chilichonse. Lumikizanani ndi wobwereketsa kuti akonze ngati mwalakwitsa. Dziwani zaumbanda zilizonse. Zolemba zanu INE NDINE mudzakhudzidwa ngati mudalipira mochedwa kwambiri.
Mutha kupeza ngongole ya FHA ngakhale mutakhala ndi ngongole zochepa. Ngongole za FHA zimafunikiranso ndalama zochepa zokwana 2.85% pamtengo wogulitsa.
Kuyenerera ndi Wobwereketsa
Obwereketsa ena angafune kuwona zolemba zomwe zimathandizira ngongole iliyonse yomwe muli nayo pakadali pano. Izi zimawathandiza kudziwa momwe mungapezere ngongole yanu, chinthu chofunikira pakuvomereza ngongole yanyumba.
Ganizirani ma kirediti kadi, kulipira galimoto, ndi ngongole za ophunzira. Ndemanga zanu zaposachedwa ziyenera kukhala zokwanira ngati zikuphatikiza ndalama zomwe mudatsala nazo ndipo ndalama zomwe mumafuna mwezi uliwonse, ndipo akuyenera kuwonetsa manambala amaakaunti komanso mayina a omwe akukongoletsani.
Wobwereketsa adzaonetsetsa kuti ntchito yanu ikuyambika kukonzanso ngongole yanu . Izi zimachitika nthawi zambiri powatumizira a fomu yotsimikizira ntchito , kotero alangizeni abwana anu kudikirira pempholi kuti mudziwe. Funsani dipatimenti yanu ya HR kapena abwana kuti atumize zolembedwazo mwachangu.
Mayeso Ovomerezeka
Wobwereketsayo afunanso zikalata kuchokera kwa inu zomwe zimathandizira ndalama zanu, kuphatikiza ma stub omwe alipowa. Zanu ziwiri zomaliza ziyenera kukhala zokwanira. Pangani zithunzi. Chonde osapereka zoyambira zanu.
Obwereketsanso amafunanso zaka ziwiri zapitazi za mawonekedwe a W-2 kwa inu ndi mnzanu ngati mwakwatirana. Uwu ndi malipiro anu ndi kubweza misonkho, koperekedwa ndi omwe amakulemberani ntchito chaka chilichonse, ndipo zimaphatikizaponso zambiri zokhudzana ndi zomwe mwapeza, zopindulitsa misonkho, ndi misonkho yomwe simunalandire.
Ngati simunaperekebe msonkho wanu ku federal chaka chatha, pezani ndalama zanu pazaka ziwiri zapitazi. Pangani makope ndipo onetsetsani kuti mwaphatikizira nthawi zonse.
Onetsetsani kuti misonkho yasainidwa ndi inu ndi deti.
Obwereketsa ena adzafuna miyezi iwiri yakubanki , pomwe ena amafunsa atatu. Pangani buku lililonse ndipo muphatikize tsamba lililonse, ngakhale masamba opanda kanthu.
Pangani chikalata chilichonse ngati muli ndi masheya, ma bond, ndalama zothandizana, kapena maakaunti opuma pantchito. Obwereketsa nthawi zina amakonda makope olimba kuposa omwe mungasindikize pa intaneti, koma amavomereza zomwe zili pa intaneti ngati ndi momwe mumalandirira zomwe munanena. Pangani zithunzi. Osatumiza zoyambirira .
Mufunikiranso mtundu wina wamapindu a phindu ndi kutayika ngati muli pawekha, komanso msonkho wa kampani wazaka ziwiri ngati muli ndi bizinesi yophatikizidwa.
Mutha kubweretsa chiphaso choyendetsa ngati mukukumana ndi wobwereketsa pamasom'pamaso. Kupanda kutero, lembani chiphaso chanu pa sikani kapena pamakina ndikuchiphatikiza. Chilolezo chanu chiyenera kuphatikiza chithunzi chanu.
Ndalama zanu
Muyenera kutero fufuzani komwe ndalama izi zimachokera . Ngati ndi mphatso yochokera kwa abale kapena abwenzi, mufunika mawu ochokera kwa aliyense wa iwo omwe akutsimikizira kuchuluka kwake komanso kuti simukuyenera kulipira. Mwanjira ina, si ngongole yoti muphatikizidwe pamalipiro anu angongole.
Ziyenera kuwonekera pama banki anu ngati mwasunga ndalama mwakhama kapena mwagulitsa chinthu china kuti mupeze ndalama, ndipo mwapereka kale ndalama zake.
Funsani za mtengo woyambira
Obwereketsa ambiri amafunsira chindapusa kuti athe kupeza lipoti la ngongole yanu, koma ena satero. Malipiro oyesa kuwerengera ndi kubweza ngongole nthawi zambiri amalipidwa mukakhala okonzeka kulandira ngongoleyi, osati mukakhala oyenerera.
Osalipira chindapusa kwa wobwereketsa mpaka mutasankha kugwiritsa ntchito wobwereketsayo.
Zikalata za kalata yanu yolandila chisanachitike
Mtundu wa zolemba zomwe mungafune uzidaliranso komwe mukugula nyumba. Ngati simunavomerezedwe ngongole yanyumba kapena ndalama, zikalata zomwe mungafune panthawiyo zitha kukhala zosiyana kwambiri ndi zogulitsa zenizeni.
Pezani yanu kalata yovomerezeka ndi imodzi mwamasitepe oyamba pakugula nyumba. Gulu lanu lazachuma lidzafuna zambiri zakudziwika kwanu komanso ndalama zanu kuti mupeze kalatayo. Kalata yovomerezedwa kale imakupatsani chilolezo choyambirira cha ndalama zokhazikika zanyumba yanu.
Kupeza kalata yolandirira chisanachitike kudzakupatsirani lingaliro lamtundu wanji wobweza ngongole zomwe mungakwanitse komanso ndalama zomwe mungapeze. Zachidziwikire, mutha kuyambitsa njira zosakira popanda kalata, koma omwe angakugulitseni angaganize kuti ndinu ogula kwambiri ngati muli kale ndi kalata yanu yoyeserera.
Zitsanzo za zikalata zofunika kuti mupeze kalata yovomerezeka zisanachitike ndi izi:
- makope azipilala zaposachedwa pazolipira ziwiri zomaliza;
- W-2 zidziwitso za chaka chatha;
- mapepala anu amisonkho amaboma, kuphatikiza magawo onse;
- ma banki a miyezi iwiri kapena itatu yapitayo;
- zonena za masheya (masheya, ma bond, maakaunti opuma pantchito, ndi zina zambiri); ndipo
- Kope la chiphaso chanu choyendetsa.
Mungafunenso zambiri, zomwe zingasinthe kutengera momwe mulili pachuma. Mwachitsanzo, mutasanthula mosamala maakaunti anu aku banki, wobwereketsa akhoza kufunsa zambiri zamomwe ndalama zinagwiritsidwira ntchito kapena mafotokozedwe agula zazikulu zaposachedwa.
Zikalata pakupereka / kuvomereza
Muyenera kulemba chovomerezeka kuti muyambe kukambirana. Malingalirowa akuphatikizira chidziwitso chofunikira, monga:
- mtengo wonse wogula,
- ndalama zoyambirira mokhulupirika kuti muperekeze,
- momwe mtengo wotsalira wotsalira udzalipiridwira,
- zambiri zakutseka ndi kukhala nazo, ndipo
- zovuta zilizonse (monga kupeza ndalama zokwanira kapena kugulitsa nyumba ina).
LANDIRANI KAPENA KANANI
Wogulitsayo ayankha ndi kuvomereza kapena kukana zomwe mwapatsidwa. Ngati akana kupereka kwanu, amathanso kukupatsirani mwayi wotsatsa. Mosasamala kanthu momwe wogulitsa amayankhira, ayenera kutero polemba.
Chikalata chomwe chimagwiritsidwa ntchito posonyeza kupereka ndi kuvomereza nthawi zambiri chimatchedwa mgwirizano wogula. Lili ndi zofunikira zonse pakugulitsa ndi zomwe zikugulitsidwa.
Zikalata zofunikira kuti amalize kugulitsa
Mukangopereka mwayi panyumba ndipo avomerezedwa, mudzalandira zambiri zowonjezera nyumbayo. Izi zitha kubweretsa kukambirana kwamitengo kapena zingakufooketseni kuti musagule konseko. Zolemba zotsatirazi zikufunika kuti amalize kugulitsa.
- Chidziwitso cha wogulitsa: Chimodzi mwazilembazo ndi mawu owululira ya wogulitsa . Ripotili limapereka chidule cha zomwe wogulitsa amadziwa za malowo. Zidzaphatikizapo zambiri za ntchito zam'mbuyomu zanyumbayo, malo omwe angakhale ndi mavuto, ndi zosintha zilizonse kapena zomangidwa panyumba. Lapangidwa kuti lipereke chidziwitso chonse chanyumba chomwe chingasokoneze phindu, kagwiritsidwe ntchito, kapena chisangalalo cha nyumbayo. Kuwulura kofunikira kwaogulitsa kumasiyana malinga ndi boma, koma kawirikawiri pamakhala mawonekedwe omwe muyenera kugwiritsa ntchito ngati gawo logulitsa. Nthawi zambiri, mawonekedwe amakhala mafunso angapo inde / ayi omwe ali ndi malo ofotokozera kuchokera kwa wogulitsa.
- Lipoti loyang'anira nyumba. Ngakhale sizofunikira kwenikweni, ndibwino kuti muziyang'anitsitsa nyumba yanu. Woyang'anira nyumba azitha kuwona mbali zonse zofunika mnyumbamo, kuphatikiza zinthu zotsika mtengo monga maziko, makina amagetsi, ndi ma plumb. Zipangizo zazikulu monga chowongolera mpweya, chotenthetsera madzi, ndi uvuni ziyeneranso kuyang'aniridwa. Woyang'anira apereka lipoti lanyumba. Ripotilo lidzawonetsa madera omwe angakhale ovuta kwa inu. Ngati mavutowa ndi ochepa, lipotilo likhoza kukhala ngati mndandanda wazinthu zofunikira kuzinthu zing'onozing'ono panjira. Ripotilo lingatanthauzenso ntchito zosamalira nthawi zonse zomwe zitha kukhala zothandiza kwambiri kwa ogula nyumba koyamba. Kuyendera nyumba kungaperekenso zambiri zomwe mungagwiritse ntchito pokambirananso mtengo wanyumba yanu. Mutha kutsitsa mtengo ngati mutha kuwonetsa wogulitsayo kuti mudzakonza kwambiri. Muthanso kufunsa wogulitsa kuti akonze zina mwa izi musanagule nyumba.
- Kuyendera kwa tizirombo : a Tizirombo monga makoswe, mileme, ndi chiswe zimatha kubweretsa mavuto azaumoyo komanso kusokoneza makonzedwe anyumbayo. Apanso, ngakhale kuti sikofunikira kwenikweni, ndibwino kuti muziyesa tizilombo toyambitsa matenda m'nyumba yanu yatsopano. Ngati pali zovuta, mutha kugwiritsa ntchito chidziwitsochi ngati chida chokambirana kapena pemphani kuti wogulitsayo athetse zovuta zilizonse kapena kuwonongeka kwa tizilombo tisanagulitse.
Zikalata zofunikira pakusamutsa malo ndi nyumba
Mukasankha nyumba yomwe ingakhalepo ndipo wogulitsa akugawana zambiri zowonjezera zakunyumbayo, muyamba kuwona zikalata zambiri zomwe simukuzidziwa kuti mutsirize kugula. Zambiri mwa zikalatazi zidzakonzedwa ndikuwunikiridwa ndi wogulitsa kenako ndikupatsirani.
Ngakhale zikalata zanyumba ndi kusamutsa katundu weniweni nthawi zambiri zimasanjidwa limodzi, zilidi njira ziwiri zovomerezeka. Kusamutsa umwini kudzafunika zikalata izi:
- Kulemba: Chikalata chimasamutsa umwini kuchokera kwa wogulitsa kupita kwa wogula. Mutha kusankha mtundu wa malo omwe mumatenga, kuphatikiza payekhapayekha, wodalirika, wokhala nawo limodzi, kapena umwini wina. Chikalatacho chikamalizidwa, chikhala chikuphatikizidwa ndi County Recorder kuti chiwonjezeke bwino pamtanda wa malowo. Pali mitundu ingapo yazinthu zomwe mungagwiritse ntchito. Mtundu uliwonse wa chikalata chimatsimikizira mosiyanasiyana pamutuwo. Mwachitsanzo, chikalata chachitetezo ndi njira yodziwika kwambiri yosamutsira katundu. Zimatsimikizira kuti wogulitsa ali ndi dzina loyenerera la malowo ndipo ali ndi mphamvu kapena ufulu wogulitsa malowo. Mitundu ina ya ntchito, kuphatikiza yodzipereka, imapereka chitetezo chocheperako ngati mutu wazinthu ukukhudzidwa.
- Ndalama yogulitsa: Ngati nyumbayo ikugulitsidwa ndi katundu wanu, monga ma air conditioner, zida zamagetsi, kapena magetsi, mungafunikirenso kugulitsa bilu. Chikalatachi chikhazikitsa kuti ndi malo ati omwe akuphatikizidwa muzogulitsa kunja kwa malo ndi nyumba.
- Chovomerezeka cha wogulitsa kapena chiphaso: Dzina la chikalatachi lidzasiyana malinga ndi mayiko. Komabe, ndi affidavit yochokera kwa wogulitsa yotsimikizira umwini wa malowo. Ikufotokozanso zolakwika zilizonse pamutu, kuphatikiza kubwereketsa kulikonse, ma liens, kapena mikangano yomwe ingachitike yomwe ingakhudze mutuwo. Mosiyana ndi zomwe wogulitsayo adawululira, chikalatachi chimangoyang'ana kwambiri pamutu kuposa momwe nyumbayo ilili. Chifukwa kukhala ndi malo ndikofunikira, mayiko ambiri amakupatsirani mwayi wopeza inshuwaransi. Inshuwaransi yamutu imakutetezani ngati pali vuto kapena cholakwika ndi mutu womwe umabwera pambuyo poti kugulitsa malo kugulitsidwa. Wogulitsayo akakhala wopanda dzina lomveka bwino la malowo, malonda onse atha kuchotsedwa. Inshuwaransi yamutu imakutetezani ku zotayika zomwe zingakhudzidwe ndi zolakwika pamutu,
- Tumizani msonkho: Ngakhale chikalatachi sichikufunika m'maiko onse, madera ena amafuna kuti wogula ndi wogulitsa awulule mtengo wogula nyumbayo mwatsatanetsatane. Izi zimalola olamulira msonkho kuwerengera msonkho wogulitsa kapena misonkho ina yomwe ikukhudzidwa ndi mtengo wogulitsa.
Zolemba zofunika kubweza
Ngati mukupezanso ngongole yanyumba, muyenera kulemba zikalata zina. Mosiyana ndi zikalata zogulitsa, zikalata zanyumba zimangokukhudzani inu ndi mabungwe azachuma.
- Chidziwitso: Cholemba chanu ndikulongosola kwa ngongole yomwe mukuyenera kubwereketsa wobwereketsayo. Khazikitsani momwe ngongole ingakhalire komanso momwe mungabwezere ngongoleyo. Zimaphatikizaponso chidziwitso chokhudza chiwongola dzanja chofunikira komanso nthawi yomwe mupereke ndalama.
- Ngongole yanyumba: Ngongole ndi chikalata chomwe chimalumikiza cholembacho ndi chikole chanu - nyumba yanu yatsopano. Ikuwonetsa kuti ngati chiphaso sichikubwezeredwa, chitetezo chitha kukonzedwa (kapena kulandidwa) ndikugulitsidwa kuti lipereke ngongole yomwe ikukhudzana ndi cholemba.
- Ntchito yobwereketsa: Pempho lanu la ngongole limapereka chidziwitso chonse chomwe mudapereka kwa wobwereketsa. Amangokufunsani kuti muwunikire mwachidule zomwe zafotokozedwazo ndikutsimikizira kuti ndizolondola.
- Kuyerekeza Ngongole ndi Kuulula Kwotseka: Tsamba ili limapereka chidziwitso chofunikira chokhudza ngongole yanu. Chidziwitsocho chidafotokozedwa mwachidule kuti mukhale ndi chidziwitso chonse chofunikira chokhudza ngongole yanu pamalo amodzi. Lapangidwa kuti lithandizire ogula kumvetsetsa bwino za ufulu wawo ndi zomwe ali mgwirizanowu.
Zamkatimu
- Zimatenga chiyani kugula nyumba?
- Gulani ngongole yanyumba
- Musanalankhule ndi wobwereketsa ngongole
- Kuyenerera ndi Wobwereketsa
- Mayeso Ovomerezeka
- Ndalama zanu
- Funsani za mtengo woyambira
- Zikalata za kalata yanu yolandila chisanachitike
- Zikalata pakupereka / kuvomereza
- LANDIRANI KAPENA KANANI
- Zikalata zofunikira kuti amalize kugulitsa
- Zikalata zofunikira pakusamutsa malo ndi nyumba
- Zolemba zofunika kubweza