Gulu la Nadlan - The Real Estate Investors Forum

Malo ogulitsa nyumba ku United States - ndalama zogulitsa nyumba ku United States

Kugulitsa nyumba ku USA - chiwongolero chokwanira chaogulitsa nyumba ku United States mu 2024

M'zaka zaposachedwa, osunga ndalama aku Israeli akuwonetsa chidwi kwambiri pakugulitsa nyumba ku US. Chifukwa chachikulu cha izi ndi kuyesa kupeza zopindulitsa zogulitsa nyumba kunja kwa malire a Israeli zomwe zitha kuchitidwa ndi ndalama zochepa kuposa zomwe zimafunikira kuno ku Israeli komanso kuthekera kwa kubwezeredwa kwakukulu, ndikupezerapo mwayi pamavuto azachuma omwe kudayambika mu 2008 zomwe zidapangitsa kuti mitengo yogulitsa nyumba ithe ku US ndikupanga mipata yazachuma yomwe idagawana Ambiri aiwo akadalipo lero.

Kwa Investor wakunja, mabizinesi akumayiko ena, makamaka ku USA, amafunikira kafukufuku wozama komanso chidziwitso cham'mbuyomu chomwe chingamulepheretse kuyika ndalama zake pathumba la agwape ndikutaya chuma chake.

M'mizere yotsatirayi, tikuwonetsani ndemanga yatsatanetsatane yomwe ikukhudzana ndi zinthu 9 zofunika kwambiri zomwe aliyense wogulitsa nyumba ku United States ayenera kudziwa asanapange mgwirizano. Chidziwitsocho ndi chofunikira kwa onse oyamba kumene komanso otsogola. Tiyeni tigwere pansi…

Nkhani zochokera kudziko lanyumba

Nthawi zonse pali china chatsopano chomwe tingaphunzire pa chilichonse. Umo ndi momwe zilili m’chilengedwe chopanda malire

Makhalidwe a msika wogulitsa nyumba ku USA - chifukwa chiyani United States?

Msika wogulitsa nyumba ku North America umapereka ndalama zambiri chifukwa cha kusiyana kwa kuchuluka kwa anthu, chikhalidwe komanso kugwiritsidwa ntchito m'magawo ake osiyanasiyana. Kuti mumvetsetse kukula kwa msika - pakali pano pali anthu 329 miliyoni okhala ku United States.

Pali zinthu zingapo zomwe zingakhudze kuthekera kwa ndalamazo ndi mawonekedwe ake, kuphatikiza kuchuluka kwa umbanda mdera la malo, chikhalidwe ndi zachuma cha anthu okhala mderali, kukhalapo kwa zabwino kapena zoipa. kusamuka koyipa m'derali, kufunikira kwa nyumba zobwereketsa ndi zina zambiri.

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Pali kusiyana kwakukulu 3 pakati pa msika wogulitsa nyumba ku Israel ndi msika waku US:
  1. mitengo ya katundu - Mtengo wa zipinda ndi nyumba ku USA ndizotsika mtengo kwambiri kuposa mitengo yanyumba ndi nyumba ku Israel. Kuti tifotokozere izi, mutha kupeza nyumba yayikulu ku USA pamtengo wofanana ndi mtengo wa zipinda zitatu mu umodzi mwamizinda yakuzungulira ku Israel.
  2. mtengo wa nthaka - Mtengo wa malo ku US ulibe kulemera kofanana ndi ku Israel, ndipo ndalama zomanga ndizotsika mtengo kumeneko. Chifukwa cha kuchuluka kwa zivomezi ndi mvula yamkuntho yomwe idagunda ku USA, nthawi zambiri pamafunika kupereka njira zopangira nyumba mwachangu, chifukwa chake ndi chizolowezi kumanga nyumba zomangidwa kale kapena kumanga ndi njira zomangira matabwa. Chotsatira chake, mtengo wa nyumbayi ndi wotsika mtengo, koma ndalama zokonzetsera nthawi zina zimakhala zapamwamba kwambiri mwachidule, izi zimachepetsa kwambiri mitengo ya nyumba m'dzikoli poyerekeza ndi Israeli.
  3. kuwonekera - Ku USA, pali kuwonekera kwathunthu kwa kayendetsedwe ka kayendetsedwe ka kayendetsedwe ka kayendetsedwe ka kayendetsedwe ka kayendetsedwe ka kayendetsedwe ka kayendetsedwe ka kayendetsedwe ka kayendetsedwe ka kayendetsedwe ka kayendetsedwe ka kayendetsedwe ka kayendetsedwe ka kayendetsedwe ka kayendetsedwe ka kayendetsedwe ka kayendetsedwe ka kayendetsedwe ka kayendetsedwe ka kayendetsedwe ka kayendetsedwe kake ndi kayendetsedwe ka kayendetsedwe ka kayendetsedwe ka kayendetsedwe ka kayendetsedwe ka kayendetsedwe ka kayendetsedwe ka kayendetsedwe ka kayendetsedwe ka kayendetsedwe ka kayendetsedwe kake.
Bizinesi yogulitsa nyumba
Kodi mavuto azachuma mu 2008 adakhudza bwanji msika wanyumba waku US?

Mavuto a subprime omwe adachitika mu 2007 adatsogolera chaka chotsatira kumavuto azachuma padziko lonse lapansi. Dzina lavutoli lidabadwa chifukwa cha kufalikira kwake, ngongole zazing'ono zokhala ndi chiwongola dzanja chachikulu chogulira katundu, zoperekedwa kwa anthu omwe sangakwanitse kubweza chifukwa cha ndalama zosakhazikika mwachitsanzo, ndikupangitsa kuti atsekedwe ndikugulitsa. za katundu wambiri.

Kodi n'chiyani chinachititsa kuti vutoli liyambike??

Vutoli lisanachitike, dziko la USA linasangalala ndi kuwonjezeka kwapang'onopang'ono kwa msika wogulitsa nyumba, zomwe zinachititsa kuti boma lipereke ngongole zogulira nyumba pamikhalidwe yabwino kwambiri, monga chiwongoladzanja chochepa komanso popanda kufunikira kwa chitsimikiziro kapena chitsimikizo chowonjezera. Njirayi idapangitsa kuti kufunikira kwa malo ogulitsa nyumba kuchuluke, ndipo kudapangitsa kuti kubwereka nyumba sikunali kopindulitsa, chifukwa zinali zosavuta kupeza ngongole yomwe idalipidwa mokwanira ndi banki (popanda wogula kubweretsa chilichonse. chilungamo).

Monga tafotokozera, kuwonjezeka kwa kufunikira kwa malo ogulitsa nyumba kunachititsa kuti mitengo iwonjezeke komanso kuwonjezeka kwa kufunikira kwa malo osakhalamo. Panthawi imodzimodziyo, mabanki ndi mabungwe obwereketsa amakhulupirira kuti obwereketsa adzatha kukwaniritsa kubwezeredwa kwa ngongole ndikupangitsa kuti ngongole za subprime zikhalepo kwa iwo popanda kuwongolera kokwanira, ndi ngongole zanyumba zomwe zimaperekedwa kudzera pakuperekedwa kwa chiwongola dzanja chachikulu.

Malingaliro (ndalama) panthawiyo okweza chiwongola dzanja chinapangitsa kuti obwereketsa avutike kubweza ngongoleyo, ndipo zidabuka pomwe obwereka ambiri adayenera kupereka nyumba zawo kwa obwereketsa, omwe sanathe kugulitsa katunduyo chifukwa. msika wogulitsa nyumba udachepetsedwa ndipo kufunikira kwatsika kwambiri. Zotsatira zake, masheya omwe adagulitsidwa nawo adagwa ndipo vutoli lidapereka zidziwitso zake ku US ndikufalikira padziko lonse lapansi.

Udzu womaliza unali kutsika kwa mtengo wa nyumba ku US, zomwe zidapangitsa kuti ndalama zanyumba zomwe adatenga zinali zapamwamba kuposa zomwe anali nazo (Under Water) ndikupangitsa kuti obwereketsa ambiri apereke. onjezerani katundu wawo, zomwe zidakulitsa zovuta zamavuto.

Pamapeto pake, mabanki ndi mabungwe obwereketsa anasiyidwa ndi ndalama zambiri zomwe sizinatchulidwe, zomwe anayenera kuzichotsa mwamsanga kuti athe kubweza ngongole zawo, ndipo motero mitengo yamalonda m'dzikoli inafika pansi kwambiri.

"Mwayi" - mitengo yotsika komanso ndalama zambiri zogulitsa nyumba ku USA

Pambuyo pavutoli, osunga ndalama omwe ali ndi diso lakuthwa adazindikira mwamsanga mwayi umene unali patsogolo pawo ndipo anayamba kusonyeza chidwi pa malo ogulitsa nyumba ku US. Ndi kukhwimitsa mikhalidwe yopezera ngongole yokhazikitsidwa ndi mabanki ndi mabungwe obwereketsa, Achimereka adapeza zovuta kugwiritsa ntchito mwayiwu, zomwe zidasiya msika wotseguka kwa osunga ndalama akunja ndikuwonjezera kufunika kwa nyumba zobwereketsa.

Ngakhale kuti zaka zingapo zapita kuyambira pamenepo ndipo mitengo yogulitsa nyumba idachira ndipo idayamba kukwera pang'onopang'ono, idakali yotsika poyerekeza ndi malo ambiri padziko lapansi, makamaka poyerekeza ndi Israeli.

Kodi vuto la corona likuwopseza msika wogulitsa nyumba?"n Bara"ב?

Masiku ano tikukumana ndi zovuta zapadziko lonse lapansi, zomwe zikukhudza machitidwe azaumoyo ndi chuma m'njira zomwe sitinadziwebe, koma mosiyana ndi zomwe tikuyembekezera, kugulitsa nyumba ku US kudakwera ndi 43% m'gawo lapitali poyerekeza ndi nthawi yofananira. chaka. Mndandanda wamtengo wa nyumba unakula ndi 4.29% poyerekeza ndi 3.25 chaka chatha, ndipo mitengo ya nyumba inakwera ndi 2.17%.

Pansipa pali mtengo wamtengo wolembedwa pa 20 Mizinda yayikulu kwambiri mdziko muno kuyambira 2022:

Phoenix ikuwonetsa kuwonjezeka kwakukulu, komwe kumakhala 32.41%, kutsatiridwa ndi San Diego (27.79%), Seattle (25.5%), Tampa (24.41%), Dallas (23.66%), Las Vegas (22.45%), Miami (22.23%) ) , San Francisco (21.98%), Denver (21.31%), Charlotte (20.89%), Portland (19.54%), Los Angeles (19.12%), Boston (18.73%), Atlanta (18.48%), New York ( 17.86%) %), Cleveland (16.23%), Detroit (16.12%), Washington (15.84%), Minneapolis (14.56%) ndi Chicago (13.32%).

Mtengo wapakati wa malo atsopano ku US wakwera ndi 20.1% m'chaka chapitacho ndipo pano ndi pafupifupi $390,000.

Mtengo wapakatikati wazinthu zomwe zilipo (dzanja lachiwiri) ndi pafupifupi $356,000.

Kufuna kugula nyumba kukukulirakulirabe, koma kuchuluka kwa zomangamanga kumayamba ndipo kuchepa kwapang'onopang'ono sikutha kukwaniritsa kufunikira kwakukulu. Ena amakhulupirira kuti kusalinganika kumeneku kuyenera kupindulitsa osunga ndalama kwambiri.

Chiwopsezo cha kusowa kwa ntchito chomwe chatsika mpaka 5.2% kumapeto kwa 2021 ndi chiwerengero cholimbikitsa.

podcast
Potengera izi, ndi njira ziti zomwe zikutsogola kwambiri ku US masiku ano?

✔️ Kugula nyumba yaumwini - Banja Lokhalo

Kugulidwa kwa nyumba yachinsinsi ku United States kumapatsa mwiniwake umwini wokha wa malowo ndi malo omwe ali, komanso ufulu ndi udindo wake. Ngakhale mtengo wa nyumba yotsekedwa ndi wokwera, ndizosavuta kupeza ngongole yanyumba ndipo ndalama zomwe zimayembekezeredwa ndi ndalama zimatha kuneneratu molondola. Komanso, ngakhale kuti nyumbazi nthawi zambiri zimakhala kutali ndi mzindawo, ndipo kupeza anthu ogwira ntchito kumakhala kovuta, deta imasonyeza kuti anthu ambiri a ku America amakonda kukhala m'nyumba zopanda anthu.

 

✔ Kugula nyumba mu nyumba kapena zovuta

Kugula nyumba m'nyumba kapena zovuta kumapereka umwini wa nyumbayo kokha, ndipo mosiyana ndi Israeli, nyumba zogona ku US, zomwe zimadziwika kuti condominiums, zimatha kukhala ndi mazana a nyumba za eni ake osiyanasiyana. Eni nyumba onse amakakamizika kulipira Condo ("ndalama zakunyumba") ndicholinga choyang'anira ndi kukonza nyumbayo.

Zipindazi ndizotsika mtengo, ndipo zambiri mwa nyumbazi zimakhala ndi zowonjezera monga malo ochitira masewera olimbitsa thupi ndi dziwe, koma ndikofunikira kukumbukira kuti pali mazana mpaka masauzande owonjezera obwereketsa, malamulo omanga ndi bungwe lomwe limayang'anira nyumbayo, ndi kuti malipiro a board board akhale okwera, makamaka ngati nyumbayo ikukonzedwa ndi zowonjezera zomwe zimapangitsa kuti moyo ukhale wabwino. Kupatula apo, kuwonjezeka kwa mtengo wa zipindazi kumakhala pang'onopang'ono, ndipo zimakhala zovuta kupeza ngongole yobwereketsa ndalamazo.

 

✔ Kugulitsa kwamagulu m'mabanja ambiri (Mipikisano Banja)

Kuyika ndalama ngati gawo la gulu la anthu kumachitika kudzera mukampani yoyang'anira kapena bungwe lazamalonda, momwe mumagulira limodzi nyumba kapena nyumba yonse ku USA. Ndalama zamtunduwu zimafuna ndalama zochepa, koma chiwopsezo chake ndi chachikulu, chifukwa ndalamazo zimakhala zofanana ndi kugula gawo ndi gawo lofanana malinga ndi kuchuluka kwa ndalama.

Ngakhale kuti ndalama zamagulu m'mabanja ambiri ndizoyeneranso kwa omwe ali ndi ndalama zochepa, zimafuna mgwirizano ndi mgwirizano pakati pa osunga ndalama, zomwe zimadalira kwambiri bungwe lomwe limayang'anira ndalamazo. Wogulitsa ndalama munjira iyi satenga nawo gawo pakuwongolera katunduyo ndipo samachita nawo, koma pachifukwa ichi akuyenera kulipira ndalama zambiri zowongolera. Ngati malo sachita lendi, ndalamazi zimatha kukhala zokwera kwambiri.

 

✔ Investment in real estate"Zamalonda ku USA"ב

Kuyika ndalama m'malo ogulitsa nyumba kumaphatikizapo kugula maofesi, mashopu, nyumba zamafakitale, malo opangira zinthu, mahotela, nyumba za anthu, ndi zina zotero, zomwe sizinapangidwe kukhala zokhalamo koma zobwereketsa kwa mabizinesi kapena mabungwe aboma.

Nthawi zambiri, malo ogulitsa amatha kubwereka pamtengo wokwera kuposa malo okhala, koma ndalama zomwe zimafunikira kwa eni ake ndizokwera. Komabe, chimodzi mwazabwino za malo ogulitsa nyumba ndikuti wobwereka akhoza kukhala boma kapena gulu la anthu, pomwe chiopsezo cha mavuto omwe amabwera ndi renti ndi chocheperako. Kupitilira apo, palibe kusiyana kwakukulu pakati pa malo ogulitsa nyumba ndi malo okhala, ndipo mayeso omwewo ayenera kuchitidwa mumitundu yonse iwiri.

Encyclopedia yogulitsa nyumba
Kodi pali kusiyana kotani pakati pa kusungitsa ndalama kwakanthawi kochepa ndi kupanga phindu kuchokera ku "kutembenuka" poyerekeza ndi ndalama zanthawi yayitali?

Gawo lalikulu la nyumba zogulitsidwa ku US ndi katundu omwe adalandidwa eni ake atalephera kubweza ngongole. Nthawi zambiri malowa amafunikira kukonzanso kwakukulu, ndipo sizodabwitsa kupeza kuti akhala opanda kanthu kwa nthawi yayitali kapena avutitsidwa kapena kulandidwa ndi anthu opanda pokhala.

Apa ndipamenenso mwayi wa osunga ndalama umachokera: wogulitsa ndalama ali ndi mwayi wogula katundu wamtunduwu, kukonzanso ndi kuwongolera, ndikugulitsa pamtengo wapamwamba pamene akupanga phindu. Ndipotu, makampani ena ogulitsa nyumba amapanga phindu pogwiritsa ntchito njirayi.

Ena amasankha kuwongolera malo omwe adagula kuti atolere lendi yokwera ndikutsimikizira malo okonzedwanso ndi kukonzedwanso, zomwe sizidzafunikira chisamaliro chochuluka, kwa zaka zingapo zikubwerazi. Komanso, katundu amatha kuwongolera powakulitsa ndikuwonjezera pansi kapena chipinda, ndi zina.

Ndindani omwe ali oyenera kuchita nawo? "Flip"(Kuuluka) - Ndalama zamtunduwu zimapangidwira kwakanthawi kochepa ndipo ndizofunikira makamaka kwa osunga ndalama omwe akufuna kupanga phindu mkati mwa miyezi ingapo mpaka chaka. Ndiwoyenera kwa anthu omwe safuna kuthana ndi renti, komanso kwa omwe amamvetsetsa kukonzanso ndi kumanga. Ndalama zamtunduwu zimapereka phindu lalikulu limodzi ndi chiopsezo chachikulu, chifukwa zimafuna ndalama zambiri komanso ntchito.

Malonda Ogulitsa Malo Otentha: Msika Wogulitsa & Off
Mayeso ofunikira omwe amayenera kuchitidwa musanapange ndalama zogulitsa nyumba ku USA

* Malo a katundu - Kusiyana ndi mipata pakati pa zigawo zosiyanasiyana ku US nthawi zambiri kumakhala kofunikira ndipo makamaka kumatsimikizira phindu la malondawo, chifukwa chake kusankha malo omwe ndalamazo zidzapangidwire kuyenera kuganizira magawo otsatirawa:

*Kufuna renti mderali - Katundu wosachita lendi amafuna mwini wake kulipira msonkho wa katundu, bolodi la nyumba, msonkho ndi zina zomwe zingawononge. Ngakhale kuti palibe ndondomeko yomwe imasonyeza bwino kufunika kwa lendi m'dera linalake, n'zotheka kuyang'ana kuchuluka kwa anthu omwe ali m'deralo. Komanso, kupezeka kwa mabungwe ophunzirira ndi malo ogwirira ntchito monga zipatala ndi mayunivesite kudzakopa anthu abwino kumalo okhalamo. Monga lamulo, nthawi zonse ndi bwino kupeza malo omwe njira zachitukuko zikuchitika komanso zomwe zili pafupi ndi misewu ikuluikulu, malo akuluakulu oyendetsa magalimoto kapena malo ogulitsira.

* Mkhalidwe wa anthu okhala moyandikana - Mikhalidwe yazachuma idzakhudza kukopa kwa anthu kuderali komanso kuthekera kochita lendi malowo. Ndikofunikira kuyang'ana momwe ndalama zomwe mabanja amapeza komanso kuchuluka kwa ulova m'derali, zomwe zingathandizenso kudziwa kuchuluka kwa lendi komanso mwayi wolowa m'mavuto ndi alendi osalipira. Ndikoyenera kuyang'ana mozama kuchuluka kwa umbanda pamalopo, mtundu wa maphunziro ndi kuchuluka kwa anthu. Nthawi zambiri malo omwe ali otsika kwambiri amatha kuwonetsa malo omwe ali ndi umbanda wambiri kapena ulova wambiri.

* Mitengo yanyumba"ndi renti wapakati - Kuyang'ana mitengo yamsika kumatsimikizira kwambiri malo ogulitsa. Kuyang'ana kuchuluka kwa renti kumathandizira kuwerengera zokolola.

*Kalembera wa anthu - Kusamuka kosautsa kungasonyeze mavuto m'derali, ndipo nthawi zambiri kumawonetsa zovuta kubwereka kapena kugulitsa malo, pamene kusamuka kwabwino kudzawonetsa kuwonjezeka kwa mtengo wamtengo wapatali m'deralo. Ndibwino kuti muyang'ane chiwerengero cha anthu okhala m'deralo pazaka zambiri.

* Kubwerera kwapakati - Chiwerengerochi n'chofunika osati kupenda kuthekera kwa ndalama, ndipo adzasonyeza deta zina. Kawirikawiri, chiopsezo chachikulu m'deralo, m'pamenenso chiwongoladzanja chimayenera kukhala chokwera, kuti zitsimikizire kuti ndalamazo zimachokera kuderalo.

* Malamulo ndi misonkho - M'boma lililonse ku US pali malamulo osiyanasiyana ndi misonkho yokhudzana ndi malo. Ndikofunikira kuyang'ana, mwachitsanzo, zomwe lamulo likunena ponena za wobwereketsa amene salipira, kodi misonkho ya ma municipalities ilipo komanso ngati pali malamulo apadera okhudzana ndi malo, monga kuletsa kugula malo ndi malo ena kupatulapo kudzera m'malo ogulitsa nyumba. kampani, etc.

* Mkhalidwe wa malo - Monga tanena kale, pambuyo pavuto la 2008, pali nyumba zambiri ku US zokhala ndi olandila. Nyumbazi nthawi zambiri zimatha kugulidwa pamtengo wotsika ndikupindula chifukwa cha kuyamikira kwawo. Amene amakonda nyumba zomwe sizikufuna kukonzanso angasankhe kuyambira pachiyambi kuti awononge malo omwe ali bwino, oyenera kukhalamo.

* Opanga nyumbayo - Chimodzi mwazinthu zofunika kwambiri ndikusankha obwereketsa bwino, kaya akukhala kale m'nyumbamo ndi "kufika nawo" kapena ndi inu amene mwawalowetsa. Mwini nyumba aliyense angafune kubwereketsa kwa alendi omwe amalipira panthawi yake ndikuyesa kukonza malowo. Pazifukwa izi, ndikofunikira kuyang'ana momwe amapezera ndalama za obwereketsa komanso momwe akhazikika, komanso zakale zawo zokhudzana ndi ngongole ndi kuphwanya lamulo. Kupatula apo, ngati ali abwino komanso okoma mtima ndi bonasi.

 

Makampani opangira nyumba ndi nyumba akulimbikitsidwa ku USA kuchokera m'ndandanda wamakampani ogulitsa nyumba

Label Investments

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Njira zogulira malo ku USA

Kugula kwa nyumba ku USA kumachitika kudzera ku Title Company, yomwe ndi bungwe lodziyimira pawokha, lomwe limaphatikizapo ma inshuwaransi ndi maloya, omwe ali ndi chilolezo cholembetsa umwini wa nyumba ku USA.

Chifukwa cha udindo wake, kampaniyo imayang'ana katunduyo komanso momwe ilili mwalamulo, imatsimikizira kuti palibe ngongole zam'mbuyo kapena zolemetsa, ndi zina zotero. Mayesowa amatenga masiku angapo. Awa ndi malo oti asonyeze, kuti ngongole, ngati ilipo, sinalembetsedwe pa mwiniwake wa malowo, koma pa malo omwewo, ndipo aliyense amene agula malo omwe sanalipidwe mokwanira ayenera kulipira ngongoleyo yekha.

Komanso, kampani ya Title ndiyo imayang'anira ntchito yonse yogulitsa malowo, kuphatikiza kusamutsa ndalama pakati pa wogula ndi wogulitsa komanso kulembetsa malo ku Tabu. Kumapeto kwa ndondomeko yogulitsa, kampaniyo imasamutsa umwini ndikupereka inshuwaransi, kuti izikhala ndi ndalama zogulira ngati m'tsogolomu pali ngongole yomwe siinathetsedwe.

Wogulitsa ndalama, kapena gulu la osunga ndalama, omwe akufuna kugula malo ku United States akuyenera kulembetsa ngati ogwirizana nawo mu LLC, yomwe ndi njira yolembetsera kampani yomwe imagwiritsidwa ntchito ku United States, momwe ntchito yogulitsira malo ndi malo. United States ikuchitika. Kulembetsa kumachitika m'dziko lililonse lomwe limalola ku US, ndipo kutengera dziko lomwe kampaniyo idalembetsedwa, malamulo osiyanasiyana amagwira ntchito.

Kukhazikitsa kampani yocheperako ndi njira yosavuta yomwe imatenga masiku angapo ndipo sikutanthauza kukhala ndi khadi lobiriwira kapena nzika zaku America. Zifukwa zogulira katunduyo kudzera ku kampani yocheperako zili m'gulu loti motere katundu wa Investor ndi ndalama zachinsinsi zimatetezedwa ndipo ndi kampani yokhayo yomwe ingatenge zodandaula.

Kuonjezera apo, misonkho pamakampani omwe ali ndi ngongole zochepa ndi yochepa kusiyana ndi ndalama zaumwini zikafika pa msonkho wa phindu kuchokera ku malonda amtsogolo a katunduyo, mofanana ndi msonkho wa ndalama kuchokera ku katundu (zambiri pa malo enieni. dongosolo lamisonkho ku United States pansipa).

mu gawo loyamba la ndondomekoyi Wogulitsa ndalama amakumana ndi oimira makampani ogulitsa nyumba omwe akugwira ntchito ku US konse. Cholinga cha msonkhano ndikuzindikira zosowa zosiyanasiyana za kasitomala kuti amupezere malo omwe angapereke yankho loyenera ku zolinga zake zachuma ndikukwaniritsa zofunikira ndi zosowa zake m'njira yoyenera. Kuti izi zitheke, oyimilirawo ayesetsa kumvetsetsa zomwe wobwereketsa akufuna kuyikamo, komwe akufuna kupeza malo oti agulitse, ndi mtundu wanji wazinthu zomwe akufuna kugula, ndi zina zambiri. Pambuyo pozindikira zosowa ndi zofunikira za kasitomala, amapatsidwa zopereka zazinthu zosiyanasiyana.

Makasitomala amathanso kupeza katundu payekha. Makampani ogulitsa nyumba adzamuthandiza pa izi, ndipo amamuperekeza popempha kuti agule malowo.

 

Kodi ntchito yogula malowo ikuchitika bwanji?

1. Kugula kwenikweni kwa malo, wogulitsa ndalama akuyenera kupanga chikalata, chotchedwa POF (Proof of Fund). Chikalatacho, chomwe chimapangidwa ndikuperekedwa ndi banki komwe wobwereketsayo ali ndi akaunti, ndi umboni wakuti wogulitsa ndalama ali ndi ndalama zogulira malowo. Wogulitsayo akakhala ndi ndalama zonse zogulira (ndi kukonzanso, ngati kuli kofunikira), kopi kapena kopi ya akauntiyo iyenera kutumizidwa. Ngati wobwereketsayo adatenga ngongole kuti awononge ndalamazo, ayenera kupereka chikalata kuchokera kwa wobwereketsa pamodzi ndi kuchuluka kwa ngongole yomwe adatenga.

2. Pachigawo chachiwiri, choperekacho chiyenera kuperekedwa kwa wogulitsa katunduyo pamodzi ndi chikalata chomwe chimatsimikizira kuti wogulitsa ndalama angathe kugula katunduyo. Panthawi imeneyi, wobwereketsa angafunike kulipira pasadakhale. Wogulitsa ali ndi udindo womuyankha pakanthawi kochepa, zomwe zafotokozedwa muzoperekazo.

3. Panthawi imodzimodziyo monga gawo lachiwiri, kukhulupirika kwa malowo kumayenera kutsimikiziridwa ndipo lipoti la zolakwika, lotchedwa POS, liyenera kuperekedwa, kufotokoza zomwe ziyenera kukonzedwa kuti zivomerezedwe kukhalamo. Kuyang'aniraku kumachitidwa ndi woyang'anira kuchokera ku manispala wamba.

4. Panthawiyi, wogulitsa ndalama akhoza kutumiza makontrakitala ku malowo kuti alandire zopereka zamtengo wapatali kuti akonze zolakwika zomwe zapezeka mmenemo, ndikuwunika malinga ndi zoperekazi ngati kuli kopindulitsa komanso kopindulitsa kwa iye kupanga ndalamazo.

5. Mu sitepe yotsatira, mgwirizano umapezeka ndi wogulitsa pa mtengo wogula, ndipo wogulitsa amasayina zomwe zaperekedwa ndi wogula. Kuyambira nthawi ino, maphwando ali ndi masiku atatu omwe angathe kutsutsa mgwirizanowu, nthawi zambiri kudzera mwa loya. Pambuyo kusaina mgwirizano, katunduyo amawunikidwa ndi Title Company.

6. Pamapeto pa ntchito yogula, kuti atseke mgwirizano, wobwereketsa amayenera kusamalira zikalata zonse ndi ndalama zokhudzana ndi kugula. Panthawiyi, maphwando onse amasaina mafomu onse ofunikira, ndalama za katunduyo zimapita ku akaunti ya escrow ya kampani ya Title, yomwe imasamutsira kwa wogulitsa, ndiyeno umwini wa katunduyo umasamutsidwa.

7. Pafupi ndi siteji yotseka, kuyang'anitsitsa komaliza kwa malowo kumachitidwa kuti atsimikizire kuti chikhalidwe chake sichinasinthe kuyambira kusaina kwa mgwirizano wogula. Kuphatikiza apo, molingana ndi lamulo ku USA, munthu ayenera kusamala kugula inshuwaransi yanyumba ndikuthetsa nkhani yanyumba ngati idatengedwa. Pambuyo pake mukhoza kuyambitsa ndondomeko yokonzanso (ngati pakufunika).

Chifukwa cha mtunda waukulu pakati pa Israeli ndi USA, ndizofala kuti pambuyo pogula, kampani yoyang'anira imagwiritsidwa ntchito, yomwe imasamalira kusamalira kosalekeza kwa katunduyo. Udindo wa kampani ndi kuyang'anira malo, kusamalira ndi kusamalira chilichonse chokhudzana ndi kubwereka, kuyambira kupeza obwereka mpaka kuthana ndi mavuto omwe angabwere. Ndalama zoyendetsera kampani zimalipidwa kuchokera ku renti.

Zomwe zimakusangalatsani?

Kampani yogulitsa nyumba komanso mpaka imagwira ntchito mogwirizana ndi makampani otsogola m'munda, omwe amapereka chithandizo chapadera kwa anthu ammudzi pamitengo yayikulu.
Ntchito zonse zimayang'aniridwa ndi gulu lawebusayiti ndipo kudalirika kwawo kumafufuzidwa nthawi iliyonse.

Webusayiti yathu yamalonda imakwezedwa mwachindunji kuchokera kwa ogulitsa tsiku lililonse. Komanso, muli ndi database yamakampani omwe amagulitsa katundu ku USA.

Maphunziro osiyanasiyana okhudzana ndi malo ogulitsa nyumba omwe angakupatseni mwayi wodziwa zambiri zamabizinesi achinsinsi kapena kuchita nawo gawo.

Landirani mwayi wokopa kuti mulipirire ndalamazo. Alangizi akulu azachuma ali ndi mwayi wopeza ndalama zopitilira $100.

Pulogalamu yophunzirira pa intaneti ndi chitsogozo, motsogozedwa ndi alangizi odziwa ntchito komanso odziwa zambiri, omwe angakupatseni chidziwitso pakugula kopambana kwa malo.

Osayika ndalama musanalandire lipoti lathunthu! Musanayambe kupanga ndalama, bwerani mudzatenge lipoti la analytical lomwe limapereka deta yolondola pa malo.

Kutumiza, podcast, zothandizira pamisonkhano ya Forum ndi zina zambiri. Makampani amapindula ndi mitundu yosiyanasiyana yotsatsa yapadera kwa omvera omwe amagulitsa ndalama.

Misonkho yogulitsa nyumba ku US - kodi mukuyenera kulipira ndalama zingati?

* Kulipira msonkho wa katundu - Ku United States, mwini nyumba amalipira msonkho wa katundu, ndipo amayenera kulipira ngakhale nyumbayo ilibe anthu. Misonkho ya katundu imaperekedwa kwa ma municipalities kamodzi pa miyezi itatu iliyonse, ndipo kuchuluka kwake kumadalira mtengo wa katundu ndi dongosolo lamisonkho lachigawo.

* Mtengo wa inshuwaransi ya katundu - Amalipidwa kamodzi pachaka kapena pang'onopang'ono pamwezi. Mtengo umadalira kukula kwa ndondomeko, mtengo wa katundu, ndi zina zotero, ndipo ukhoza kukhala pakati pa $30 ndi $100 pamwezi.

* Komiti Yanyumba - Mukagula nyumba m'nyumba kapena nyumba, mumayenera kulipira ndalama zolipirira nyumbayo, kukonzanso, ndi zina zambiri.

* Ndalama Zowongolera - amalipidwa kwa kampani yoyang'anira kuchokera ku renti yomwe imasonkhanitsa kuchokera kwa obwereka. Nthawi zambiri mtengo umachokera ku 8% mpaka 10% ya renti.

* Misonkho yochokera ku renti ndi msonkho pakupeza ndalama - A Israeli omwe ali ndi malo ogulitsa ku US amakhomeredwa msonkho ku United States ndi ku Israel. Misonkho imaperekedwa pa ndalama zomwe zilipo panopa kuchokera ku lendi, ndipo m'tsogolomu katunduyo akagulitsidwa kuchokera ku phindu lomwe likuyembekezeredwa kuchokera ku malonda, osunga ndalama adzafunika kulipira msonkho wopindula. Mgwirizano wamisonkho womwe unasainidwa pakati pa Israeli ndi US ndipo umapereka patsogolo kwachiwiri kwa iwo pankhani ya osunga ndalama aku Israeli omwe ali ndi katundu, amatsimikizira osunga ndalama kuti apewe misonkho iwiri.

* Misonkho ya cholowa - Ku US kuli msonkho wa cholowa pa katundu womwe uli ku United States, ngakhale mwiniwakeyo si wokhalamo kapena nzika yaku America. Tanthauzo la msonkho umenewu ndi lakuti ngati mwiniwake wa katunduyo amwalira, olowa m'malo ake ayenera kulipira msonkho pamtengo wamtengo wapatali mpaka kufika pa 35%. Pali njira zosiyanasiyana zopewera msonkho umenewu monga kukhazikitsa kampani yakunja imene malowo adzalembetsedwe m'dzina lake, koma katunduyo akagulitsidwa kampani yotereyi idzalipiritsidwa msonkho wokwera kwambiri kuposa katundu wolembetsedwa kwa munthu pamtengo wamtengo wapatali. 35% m'malo mwa 15%. Njira ina yomwe iyenera kuganiziridwa, mwachitsanzo ngati wogulitsa ndalama ali okalamba kapena ali ndi vuto la thanzi, ndikulembetsa malowo pasadakhale m'dzina la olowa m'malo.

Ndalama zomwe zimaperekedwa m'nyumba, monga inshuwaransi, kukonza nthawi zonse, ndi zina zotero, zimadziwika ku US pazifukwa zamisonkho, chifukwa chake munthu amene adakhazikitsa LLC m'dzina lake amayenera kupereka lipoti lamisonkho ku US chaka chilichonse, kuwonetsa zake zonse. phindu ndi zotayika. Nthawi zina mayina angapo amalembedwa m'dzina la kampani, malipiro a msonkho amaperekedwa molingana ndi umwini wawo mu kampani.

Kuchuluka kwamisonkho komwe kumakhala chizolowezi ku USA kumachokera ku 10% mpaka 35% kutengera misonkho, ndipo popereka malipoti omwe amagulitsa ndalama ayenera kulipira madola mazana angapo.

Kodi nditani?

Gulu la Nadlan limapereka ambulera yonse yamayankho ku US Real Estate Investments - am'deralo, kapena nzika zakunja. Tikubwereketsa ma broker ndi mazana a obwereketsa - tikugulitsa pakati pa obwereketsa onse kuti tikupatseni ngongole yabwino kwambiri ku US - ndipo mabanki athu onse amagwiranso ntchito ndi Akunja. Tili ndi sukulu ya Real Estate ndipo tikuphunzitsa Buy & Hold, Fix & Flip, Multi Family, Wholesaling, Land. AirBNB ndi zina zambiri, tili ndi gulu lamphamvu la anthu masauzande ambiri, tsamba lawebusayiti ndi pulogalamu, timayendetsa misonkhano yayikulu ya Real Estate & Expo's, timapereka malonda kumakampani a Real Estate, komanso ndife omanga a New Construction properties & run. Multifamily syndications. M'makampani athu azandalama timatsegulanso Maakaunti Aku Banki kutali popanda kufunikira konyamuka kupita ku US, kutsegula ma LLC & ndi kampani yathu yobwereketsa nyumba timapereka mayankho azandalama kwa nzika zakunja ndi aku America omwe akugulitsa msika waku US malo. Timapereka chitsogozo chaumwini komanso nsanja yapamwamba yogulitsira kuti tithandizire makasitomala kupeza ndalama zabwino kwambiri kuchokera kumabungwe angapo. Kampani yathu imaperekanso chithandizo chopitilira mpaka ndalama zitalandiridwa.

Timapereka 10% ya ndalama zathu zonse.

Othandizana nawo mabizinesi aku America ndi makampani athu osamalira katundu a mabanja ambiri alowa nawo pamndandanda wamakampani 5000 omwe akukula mwachangu ku America kwa chaka chachitatu motsatizana.

Makampani Athu:

www.NadlanForum.com - Tsamba Lathu Lalikulu - Investors Social Network, Zolemba, Upangiri, Maphunziro

www.NadlanCapitalGroup.com - Ndalama Zogulitsa Malo Kwa Ogulitsa Zakunja ndi Okhala ku US - Reverse Mortgage Auction kuti Akupezereni Ndemanga Yabwino Kwambiri

www.NadlanMarketing.com - Kampani Yathu Yotsatsa Pamakampani Okhudzana ndi Nyumba

www.NadlanUniversity.com - Pulogalamu Yophunzitsira Zanyumba Zanyumba

www.NadlanCourse.com - Maphunziro Ojambulidwa Panyumba Ndi Zophunzitsa 70+

www.NadlanNewConstruction.www - Kupititsa patsogolo Katundu Watsopano ku US

www.NadlanInvest.com - Pangani Mbiri Yanu Yogulitsa Ndalama ndikupeza Zopereka Zodziwika

Nadlan.InvestNext.Com - Portal Yathu Yogulitsa Magulu Amitundu Yambiri & Zomangamanga Zatsopano

www.NadlanDeals.com - Webusaiti Yathu Yogulitsa Malo

www.NadlanExpo.com - Msonkhano Wathu Wapachaka wa Nadlan Expo

www.NadlanAnalyst.com - Konzani Lipoti Lakuwunika kwa Malo Kuti Mugule Kenako Kuti Mupange Ndalama Zanzeru

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