Kodi muyenera kulipira ndalama zingati panyumba ya $300?
Mu Okutobala 2019, Haunted House, wazandalama nyumba ya Gary Winnick's Bel-Air - malo okwana 40.000-square-foot 1930s omwe ali pamwamba pa Bel-Air Country Club - adagulitsidwa $225 miliyoni. Nyumbayi yapeza kawiri mutu wa nyumba yokwera mtengo kwambiri yogulitsira anthu ku United States.
Nyumba ya Haunted inamangidwa m'zaka za m'ma 1930 ndi katswiri wa zomangamanga James E. Dolen, yemwe ankakonda zomangamanga zachi Georgian zophatikizidwa ndi Art Deco komanso masitayelo amakono. Malinga ndi nyuzipepala ya Los Angeles Times, nyumba yaikuluyi inamalizidwa mu 1937 pamtengo wa $35 miliyoni pandalama zamasiku ano. Wogulitsa hotelo Conrad Hilton adagula malowa mu 1950 pamtengo wa $225.000, ndipo atamwalira mu 1979, Rupert Murdoch, wamkulu wapa media, adalipira $12,4 miliyoni pogula nyumbayo, yomwe inali mtengo wake panthawiyo.
Ngakhale kuti mwininyumba wamba ku United States amalipira $1.213 pachaka, malinga ndi mtsogoleri wa inshuwalansi Progressive, nyumba ya $200 miliyoni ku Bel-Air idzafuna inshuwalansi yamphamvu kwambiri. Ndizovuta kunena ndendende kuti zingawononge ndalama zingati. Mtengo wa inshuwaransi yapakhomo umayesedwa potengera zinthu zingapo, osati zokhazo zokhudzana ndi mtengo wolowa m'malo mwa nyumbayo. Zina mwa ndalama za inshuwaransi zimatengera mtengo wa zomwe zili mnyumbamo, kuchuluka kwa inshuwaransi yochotsedwa ndi mtundu wa chithandizo chomwe chikufunika (mwachitsanzo, inshuwaransi motsutsana ndi kusefukira kwa madzi, moto kapena zivomezi).
Ndi ndalama zingati zolipirira nyumba
LaToya Irby ndi katswiri wangongole yemwe wakhala akusamalira ngongole ndi ngongole ku The Balance kwa zaka zopitilira khumi ndi ziwiri. Adanenedwapo mu USA Today, The Chicago Tribune, ndi Associated Press, ndipo ntchito yake yatchulidwa m'mabuku angapo.
Lea Uradu, JD ndi omaliza maphunziro ku University of Maryland School of Law, Maryland State Registered Tax Preparer, State Certified Notary Public, VITA Certified Tax Preparer, Annual Filing Season Programme IRS, Wolemba Misonkho, ndi Woyambitsa LAW Tax Resolution Services. . Lea wagwira ntchito ndi mazana amakasitomala amisonkho ochokera kumayiko ena.
Katie Turner ndi mkonzi, wofufuza zenizeni, komanso wowerengera. Katie adapeza chidziwitso ku McKinsey kutsimikizira zomwe zili pabizinesi, zachuma, komanso momwe chuma chikuyendera. Ku Dotdash, adayamba ngati wofufuza za Investopedia, ndipo pamapeto pake adalowa nawo Investopedia ndi The Balance ngati ofufuza, ndikuwonetsetsa kuti zidziwitso zankhani zosiyanasiyana zachuma ndizolondola.
Ngakhale kuti n’zotheka kugula nyumba yokhala ndi ndalama zosakwana 20%, kuchita zimenezi kungawonjezere mtengo wa umwini wonse. Pali zinthu zina zomwe ziyenera kuganiziridwa posankha ndalama zomwe ziyenera kuikidwa panyumba.
Ndi ndalama zingati zomwe muyenera kulipira kutsogolo kwa nyumba ya 500 zikwi
Nyumba ya madola mamiliyoni asanu ndi yaikulu mumzinda uliwonse ku America. Ndalamayo ikadutsa $5 miliyoni, imakhala m'malo apamwamba, ngakhale mizinda ngati San Francisco ndi New York. Kotero ndinaganiza kuti zingakhale zosangalatsa kuwerengera ndalama zochepa zomwe zimafunikira kukhala ndi nyumba ya madola mamiliyoni asanu.
Pogula nyumba, lamulo labwino ndiloti musawononge ndalama zokwana katatu pamtengo wa nyumbayo. Ndi gawo la lamulo langa la 3/30/30 logulira nyumba, kuthandiza anthu kugula zinthu moyenera.
Mwanjira ina, ngati mukufuna kugula nyumba ya $ 1,67 miliyoni, muyenera kupanga pafupifupi $ 1.000.000 miliyoni pachaka. Kuphatikiza apo, muyenera kukhala ndi ndalama zosachepera $500.000 ndipo mwina $XNUMX ina yosungidwa ngati ndalama kapena ndalama. The mphasa ndi ngati ntchito yanu kapena chinachake choipa chingachitike panyumba panu.
Monga ndawerengera, tikulimbikitsidwa kukhala ndi ndalama zokwana madola 1,67 miliyoni pachaka kuti tipeze nyumba ya 5 miliyoni. Komabe, m'malo okhala ndi chiwongola dzanja chotsika, mutha kugula nyumba mpaka kasanu zomwe mumapeza pachaka.
galimoto yotsika mtengo chowerengera
Kubweza ndi ndalama zomwe wogula amalipira atangogula chinthu chamtengo wapatali kapena ntchito. Kulipira kocheperako kumayimira gawo la mtengo wonse wogulira, ndipo wogula nthawi zambiri amatenga ngongole kuti alipirire zina zonse.
Chitsanzo chofala cha kubweza ngongole ndi kubweza ngongole panyumba. Wogula nyumba akhoza kulipira kale pakati pa 5% ndi 25% ya mtengo wonse wa nyumbayo, pamene akutenga ngongole kubanki kapena bungwe lina lazachuma kuti alipire zotsalazo. Kulipira pang'ono pa kugula galimoto kumagwira ntchito mofananamo.
Ku United States, kubweza 20% panyumba kwakhala chizolowezi. Komabe, palinso ngongole zanyumba zomwe zili ndi 10% kapena 15% pansi, ndipo pali njira zogulira nyumba ndi 3,5% yotsika, monga ngongole ya Federal Housing Administration (FHA).
Mkhalidwe umodzi womwe kubweza kokulirapo kumakhala kofunikira nthawi zambiri ndi nkhani ya ma co-op, omwe amapezeka m'mizinda ina. Obwereketsa ambiri amalimbikira kubweza 25%, ndipo mabungwe ena obwereketsa okwera amathanso kufuna kubweza 50%, ngakhale izi sizodziwika.
