Zofunikira Kuti Mugule Nyumba Ku United States - Upangiri

Zofunikira kugula nyumba ku USA . Chaka chilichonse alendo zikwizikwi amagula malo ku United States. Tikukhulupirira kuti bukuli likuthandizani kudziwa zam'mbuyo, pomwe mukulumikizana ndi wothandizirana ndi gulu kuti likuthandizireni koposa.

Kodi ndikufunika chiyani kuti ndigule nyumba ku United States?

Momwe ntchito zogulitsa nyumba ku United States zimasiyanirana ndi dziko lanu. Boma lirilonse limakhalanso ndi malamulo ake pafupifupi pamitundu yonse ya njirayi, chifukwa chake tikulimbikitsidwa kuti musonkhanitse gulu lodziwika bwino la olembetsa, maloya, osinthira ngongole zanyumba, ndi owerengetsa ndalama kuti adzafunse panjira. Mwina kusiyana kwakukulu katatu ku United States ndi izi:

1. Ku United States, ogulitsa nyumba amagawana zambiri zokhudza malowa. Ogula, monga inu, atha kupeza zidziwitso zomwezi pogwiritsa ntchito malo ndi malo ngati Zillow . M'madera ambiri padziko lapansi, othandizira amasunga mindandanda ndipo ogula amayenera kupita kuchokera kwa wothandizila kupita kwa wothandizila kukasaka ndi kufananiza katundu.
2. Ku United States, ndiye wogulitsa yemwe nthawi zambiri amalipira wothandizirayo chindapusa (mwachitsanzo, Commission yogulitsa) . M'mayiko ena ambiri, ndi inu omwe mumalipira wothandizirayo kuti awone malo ndikuwonetsani.
3. Ku United States, ogulitsa nyumba amafunikira layisensi yogwirira ntchito. Malamulo okhala ndi zilolezo mdziko lililonse amasiyana malinga ndi tsatanetsatane wa layisensi iyi. Onani boma ndi malamulo ake kuti mumve zambiri.

Alendo atha kugula pafupifupi mtundu wina uliwonse ku United States (nyumba za banja limodzi, ma kondomu, ma duplexes, ma triplexes, ma quadruplexes, nyumba zamatawuni, ndi zina zambiri) . Kupatula kwanu kungakhale kugula mabungwe ogwirira ntchito kapena nyumba zogwirira ntchito.

Gawo loyamba

Musanayambe kusaka malo, ndikofunikira kudziwa zomwe mukufuna nyumbayi:

1. Kupita kutchuthi?
2. Mukuchita bizinesi ku United States?
3. Kwa ana anu, akamapita ku koleji ku United States?
4. Ndalama?

Mayankho a mafunso awa atsogolera pakusaka ndi kugulitsa.

Njira

Zofunikira kugula nyumba. Njira, magwiridwe antchito, ndi zambiri zakugula malo ku United States ndizosiyana pang'ono ndi mayiko ena ambiri:

1. Amapereka mwayi ndikupanga mgwirizano.
2. Wogulitsayo amakupatsirani zikalata zofotokozera, lipoti loyambirira, mutu wa malipoti amzindawu, ndi zikalata zilizonse zakomweko.
3. Mumayika ndalama zingapo pamtengo wogula. Ndipamene mumagwira ntchito ndi banki (kapena obwereketsa ena) kuti mutenge ngongole.
4. Kutseka komwe kumatha kuchitika kuofesi ya loya kapena ndi wothandizirana ndi kampani yopanga zikalata. Nthawi zina, wogula ndi wogulitsa amasaina zikalata zotsekera padera. Nthawi zonse, konzekerani kusaina zikalata zambiri pomaliza. Komanso muyembekezere kulipira ndalama zowonjezera pamutu ndi kusaka kwa inshuwaransi, chindapusa, ndi ndalama zolembetsa zomwe zimawonjezera 1-2.25% pazogulitsa zonse. Chifukwa chake kunyumba ya $ 300,000, izi zimagwirira ntchito $ 3,000 ina osachepera.

Mwina mungafune kupita ku US kuti mukatseke. Pankhaniyi, muyenera kusaina Power of Attorney, komwe mumaloleza wina kuti akuyimireni ndikusainirana ndi inu.

Kuyang'ana wogulitsa malo

Kuti mupeze wokuthandizani wangwiro, mufunika kuchita izi:

1. Funsani otumizidwa kuchokera kwa anzanu kapena anzanu odalirika.
2. Sakani pawebusayiti
3. Sakani pazogulitsa nyumba
4. Onetsetsani kuti wothandiziridwayo ali ndi chilolezo. Atha kunyamula chiphaso cha Certified International Property Specialist ( MAFUNSO ), zomwe zikutanthauza kuti watenga maphunziro owonjezera. Kubetcha kwanu kwabwino ndi kufunafuna akatswiri odziwika apadziko lonse lapansi kuti athandize akunja kugula nyumba.
5. Onaninso maumboni ndi kuwunika.

Mwinanso mungafune kupeza fayilo ya loya wazogulitsa nyumba . Atha kuwunikiranso mgwirizano wanu wogulitsa, kutsimikizira mutu ndi zikalata zina zokhudzana ndi kugula kwanu, ndikukulangizani pazamalamulo ndi misonkho yokhudzana ndi malo anu.

Momwe mungapezere ndalama

Ndi mitengo yanyumba yotsika kwambiri, ogula ambiri ochokera kumayiko ena amasankha kuti azigula. Komabe, obwereketsa ochepa ku United States amapereka ngongole kunyumba kwa ogula akunja. Zonse ndikupeza wobwereketsa woyenera.

Yembekezerani kuti mukhale ndani, ndalama zanu, ndi mbiri yanu yangongole kuti ziunikidwe bwino. Komanso dziwani kuti obwereka akunja amalipira chiwongola dzanja chokwera pang'ono kuposa nzika zaku US.
Kuti mupambane malonda abwino, mufunika kukhala ndi zotsatirazi:

1. Nambala Yodziwika Yokhomera Wokhomera ( ITIN ), yomwe imaperekedwa kwa akunja omwe akugwira ntchito kwakanthawi kapena kukhala ku US kwakanthawi.
2. Mitundu yosachepera iwiri yodziwika, monga pasipoti yolondola ndi chiphaso choyendetsa. Kutengera mtundu, ogula ena amafunika kuwonetsa visa ya B-1 kapena B-2 (alendo).
3. Zolemba zosonyeza ndalama zokwanira.
4. Ma Banki osachepera miyezi itatu.
5. Makalata ochokera ku banki yanu kapena mabungwe omwe amapereka ngongole.
6. Mabanki ambiri amafuna obwereketsa akunja oyenerera kuti azilipira pafupifupi 30% yamtengo wanyumbayo pasadakhale. . Izi zitha kukhala ndalama, ngakhale kugulitsa ndalama zopitilira $ 10,000 kumanenedwa kuboma la feduro kuti atsimikizire kuti ndalamazo zidapezeka movomerezeka. Ngongole zimasiyanasiyana mabanki ambiri omwe amafuna kuti mukhale ndi osachepera 100,000 muakaunti yanu, pomwe ena amangochepetsa ngongole imodzi kapena ziwiri miliyoni.

Mabanki onse odalirika aku America amapereka ngongole zanyumba zosiyanasiyana zotetezeka komanso zotsika mtengo, kuphatikiza ngongole zopanda chiwongola dzanja kwa Asilamu.

Misonkho

Mutha kulipira mitundu iwiri yamisonkho pamalowo:

1. Kudziko lanu, kutengera ngati dziko lanu lili ndi mgwirizano wamisonkho ndi United States. Funsani loya wodziwa misonkho yemwe amadziwa bwino mgwirizano m'dziko lanu kuti akuwongolereni.
2. Kupita ku United States kwa misonkho yopeza ndalama ku United States pa ndalama zilizonse zomwe amalandila kubweza. Mulipira chindapusa komanso chaboma.

Kuchuluka kwa misonkho ya katundu kumasiyana malinga ndi boma ndi boma Kuchokera madola mazana angapo mpaka madola masauzande pachaka, kutengera dera ndi mtengo wake. Kutengera dziko lomwe adachokera, ogula akunja ena amapeza misonkho ikukwera, ena amawayesa otsika mtengo. Misonkho yanyumba ya Manhattan ndiyotsika mtengo mosiyana ndi London ndi Hong Kong.

Mukakhala ndi mgwirizano wovomerezeka

kuti) Kuyendera kunyumba: Uwu ndi mwayi wa Wogula kuti awunike chilichonse chomwe chili chofunikira kwa Wogula. Onetsetsani kuti mukukambirana za Nthawi Yoyang'anira Wogula ndi wothandizila wanu mukamalemba mwayi woti mugule.

Nthawi yoyendera ya wogula imayamba kuvomereza mgwirizano ndipo imatha monga momwe amadziwira mu mgwirizano wogula. Nthawi yoyendera ndi masiku 14 chichitikireni mgwirizano. Pang'ono ndi pang'ono, Wogula adzaitanitsa ndipo adachita kuyendera nyumba. Izi zimaperekedwa ndi wogula. Kukonzekera kulikonse kofunikira kumakambirana pakati pa wogula ndi wogulitsa.

b) Kuyendera nkhuni (chiswe) zitha kuchitika munthawi imeneyi kapena satifiketi yoperekedwa ndi wogulitsa (izi zitha kukhala zosiyana pakati pa mayiko)

c) Utoto wopangidwa ndi kutsogolera: izi, ngati kuli kofunikira, ziyenera kuchitika munthawi imeneyi ngati nyumbayo idamangidwa 1978 isanakwane (izi zitha kusiyana pakati pa mayiko)

d) Kufufuza: Izi zimachitika ndi kampani yobweza ngongole / wobwereketsa kuti awonetsetse kuti malowo ndi oyenera kuchuluka kwa ndalama zomwe mukukongola.

Tsekani malonda:

a) Iyi ndiyo njira yomwe imasamutsira umwini wa Katunduyu ndi Chuma chake ndi Ndalama zake kuchokera kugulitsidwe kupita kumipingo yoyenera. Izi zimasiyana pakati pa mayiko - woimira / wothandizila wanu adzakuwuzani njira ndi maphwando omwe akukhudzidwa.

Zabwino zonse!

a) Kugulitsa nyumba ndi nyumba kwatha ndipo ndi nthawi yoti musamuke mnyumba yanu yatsopano!

Zamkatimu

• Kodi ndikufunika chiyani kuti ndigule nyumba ku United States?
• Gawo loyamba
• Njira
• Kuyang'ana wogulitsa malo
• Momwe mungapezere ndalama
• Misonkho
• Mukakhala ndi mgwirizano wovomerezeka
• Tsekani malonda:
• Zabwino zonse!

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