ʻEhia ka nui āu e uku ai no kahi hale $300?
I ʻOkakopa 2019, ʻo ka Haunted House, ka hale kālā ʻo Gary Winnick's Bel-Air home - kahi ʻāina 40.000-square-foot 1930s e kū ana ma luna o ka Bel-Air Country Club - i kūʻai ʻia no $225 miliona. Ua loaʻa ʻelua i ka hale noho ke poʻo inoa o ka hale kūʻai kūʻai nui loa ma ʻAmelika Hui Pū ʻIa.
Ua kūkulu ʻia ka Haunted House i nā makahiki 1930 e ka mea kākau ʻo James E. Dolen, nāna i makemake i ka hoʻolālā kuʻuna Georgian i hoʻohui ʻia me nā ʻano Art Deco a me nā ʻano hou. Wahi a ka Los Angeles Times, ua hoʻopau ʻia ka hale ma 1937 ma ke kumukūʻai o $35 miliona i ke kālā o kēia lā. Ua kūʻai ʻo Hotelier Conrad Hilton i ka ʻāina i ka makahiki 1950 no $225.000, a i kona make ʻana i ka makahiki 1979, ua uku ʻo Rupert Murdoch, ka mogul media, i $12,4 miliona no ka hale, ʻo ia ke kumu kūʻai i kēlā manawa.
ʻOiai e uku ana ka mea nona ka home ma ʻAmelika Hui Pū ʻIa i $ 1.213 i ka makahiki, e like me ka alakaʻi ʻinikua Progressive, he $ 200 miliona home ma Bel-Air e koi aku i kahi kulekele ʻoi aku ka ikaika. He mea paʻakikī ke haʻi pololei i ka nui o ke kumukūʻai. ʻO ke kumukūʻai o ka ʻinikua home e loiloi ʻia ma muli o ke ʻano o nā kumu, ʻaʻole wale nā mea e pili ana i ka waiwai pani o ka hale ponoʻī. ʻO ka hapa o nā kumukūʻai ʻinikua e pili ana i ka waiwai o nā mea i loko o ka hale, ka nui o ka ʻinikua i unuhi ʻia a me ke ʻano o ka uhi i makemake ʻia (e like me ka ʻinikua kūʻē i nā waikahe, ke ahi a i ʻole nā ōlaʻi).
Ehia ka uku mua o ka hale
He loea hōʻaiʻē ʻo LaToya Irby nāna i uhi i ka hōʻaiʻē a me ka hoʻokele ʻaiʻē no The Balance no nā makahiki he ʻumikūmākahi. Ua haʻi ʻia ʻo ia ma USA Today, The Chicago Tribune, a me ka Associated Press, a ua helu ʻia kāna hana ma kekahi mau puke.
Lea Uradu, JD he puka puka no ke Kulanui o Maryland School of Law, he Maryland State Registered Tax Preparer, State Certified Notary Public, VITA Certified Tax Preparer, Annual Filing Season Program Participant IRS, Tax Writer, and Founder of LAW Tax Resolution Services . Ua hana pū ʻo Lea me nā haneli o ka poʻe malihini a me nā mea kūʻai ʻauhau federal.
He mea hoʻoponopono ʻo Katie Turner, mea nānā ʻoiaʻiʻo, a me ka hōʻoia ʻana. Ua loaʻa iā Katie ka ʻike ma McKinsey e hōʻoia ana i nā ʻike e pili ana i ka ʻoihana, kālā, a me nā ʻano waiwai. Ma Dotdash, ua hoʻomaka ʻo ia ma ke ʻano he mea hōʻoia ʻoiaʻiʻo no Investopedia, ma hope e hui pū me Investopedia a me The Balance ma ke ʻano he mea nānā ʻoiaʻiʻo, e hōʻoia ana i ka pololei o ka ʻike e pili ana i nā kumuhana kālā.
ʻOiai hiki ke kūʻai i hale me ka liʻiliʻi o ka 20% o ka uku, hiki ke hoʻonui i ka nui o ke kumukūʻai. Aia kekahi mau mea e pono e noʻonoʻo i ka hoʻoholo ʻana i ka nui e kau ʻia ma luna o kahi hale.
ʻEhia ka nui āu e uku ai i mua no kahi hale o 500 tausani
He mea nui ka hale ʻelima miliona kālā ma kēlā me kēia kūlanakauhale ma ʻAmelika. I ka manawa i hala ʻia ai ka hōʻailona $5 miliona, kū ia ma ka ʻāina nani, ʻoiai no nā kūlanakauhale e like me San Francisco a me New York. No laila, manaʻo wau he mea leʻaleʻa ka helu ʻana i ke kālā liʻiliʻi e pono ai no ka loaʻa ʻana o kahi hale ʻelima miliona kālā.
I ke kūʻai ʻana i hale, ʻo ke kānāwai o ke koʻokoʻo maikaʻi ʻo ka hoʻolilo ʻana ma mua o 3 mau manawa i kāu loaʻa kālā nui ma ke kumukūʻai o kahi home. He ʻāpana ia o kaʻu lula 30/30/3 no ke kūʻai ʻana i hale, e kōkua i ka poʻe e kūʻai me ke kuleana.
I nā huaʻōlelo ʻē aʻe, inā makemake ʻoe e kūʻai i kahi hale $1,67 miliona, pono ʻoe e hana ma kahi o $1.000.000 miliona i ka makahiki. Eia hou, pono e loaʻa iā ʻoe he $500.000 ma ka liʻiliʻi a i ʻole he $XNUMX ʻē aʻe i mālama ʻia ma ke ʻano o ke kālā a i ʻole ke kaulike. ʻO ka moena inā e nalowale kāu hana a i ʻole e loaʻa kekahi mea ʻino i kou hale.
E like me kaʻu i helu ai, ʻōlelo ʻia e loaʻa kahi kālā makahiki he 1,67 miliona kālā e loaʻa ai kahi hale 5 miliona. Eia nō naʻe, i kēia kaiapuni o nā uku uku haʻahaʻa haʻahaʻa, hiki iā ʻoe ke hoʻolōʻihi e kūʻai i hale a hiki i 5 mau manawa o kāu loaʻa kālā makahiki.
kaʻa hoʻohelu kālā
ʻO ka uku hoʻohaʻahaʻa he huina kālā ia e uku ai ka mea kūʻai mai i ka wā mua o ke kūʻai ʻana i kahi waiwai a lawelawe paha. ʻO ka uku hoʻohaʻahaʻa e hōʻike ana i kahi hapa o ke kumukūʻai kūʻai, a ʻo ka mea kūʻai aku e lawe pinepine i kahi hōʻaiʻē e hoʻolilo i ke koena.
ʻO kahi hiʻohiʻona maʻamau o ka uku hoʻohaʻahaʻa he uku hoʻohaʻahaʻa ma kahi hale. Hiki i ka mea kūʻai hale ke uku mua ma waena o 5% a me 25% o ka huina kumukūʻai o ka hale, ʻoiai e lawe ana i kahi moraki mai kahi panakō a i ʻole nā hui kālā ʻē aʻe e uhi i ke koena. ʻO ka uku mua ma ke kūʻai kaʻa e hana like.
Ma ʻAmelika Hui Pū ʻIa, ʻo 20% ka uku hoʻohaʻahaʻa ma kahi home ka mea maʻamau. Eia nō naʻe, aia kekahi mau moraki me ka 10% a i ʻole 15% i lalo, a aia nā ala e kūʻai ai i hale me ka liʻiliʻi o 3,5% i lalo, e like me kahi hōʻaiʻē Federal Housing Administration (FHA).
ʻO kahi kūlana kahi e pono pinepine ai ka uku hoʻohaʻahaʻa nui i ka hihia o nā hui hale noho, kahi mea maʻamau i kekahi mau kūlanakauhale. He nui nā mea hāʻawi kālā e koi i ka 25% o ka uku hoʻohaʻahaʻa, a ʻo kekahi mau uniona hōʻaiʻē kiʻekiʻe paha e koi aku i kahi uku he 50%, ʻoiai ʻaʻole kēia ka mea maʻamau.
