IQela leNadlan – iForam yabaTyali bezindlu

Real estate eUnited States - real estate utyalo eUnited States

Utyalo-mali lwezindlu ezithengiswayo e-USA-isikhokelo esibanzi sabatyali bezindlu e-United States ngo-2024

Kwiminyaka yakutshanje, abatyali-zimali bakwa-Israel bayanda bebonakalisa umdla wotyalo-mali lwezindlu nezindlu e-US. Esona sizathu siphambili soku kukuzama ukufumana intengiselwano enengeniso yezindlu ezithengiswayo ngaphandle kwemida yakwaSirayeli enokuthi iqhutywe ngokulingana okuphantsi kunokuba kufunwa apha kwaSirayeli kunye nethuba lembuyekezo ephezulu, ngelixa uthatha ithuba lobunzima bezoqoqosho. yaqhambuka ngo-2008 nto leyo ekhokelele ekwehleni kwamaxabiso ezindlu e-US kwaye kwadala amathuba otyalo-mali olwabelana ngawo Uninzi lwawo lusekho nanamhlanje.

Kumtyali-mali wangaphandle, utyalo-mali kumazwe angaphandle ngokubanzi, kwaye ngakumbi e-USA, kufuna uphando olunzulu kunye nolwazi lwangaphambili oluya kumthintela ekubekeni imali yakhe kwingxowa-mali yexhama kwaye abeke emngciphekweni wokuphulukana nobutyebi bakhe.

Kule migca ilandelayo, siza kukubonisa ngophononongo olubanzi oluchaphazela imiba eyi-9 ebaluleke kakhulu ekufuneka wonke umtyali-mali wezindlu e-United States azi ngaphambi kokuba enze isivumelwano. Ulwazi lufanelekile kubo bobabini abaqalayo kunye nabatyali-mali abaphambili. Masingene ngaphakathi...

Iindaba ezivela kwilizwe lezindlu

Kuhlala kukho into entsha esinokuyifunda ngayo nantoni na. Kunjalo ke kwindalo iphela engenasiphelo

Iimpawu zemarike real estate e-USA - kutheni eUnited States?

Imakethi yezindlu nezindlu kuMntla Merika ibonelela ngotyalo-mali olwahlukeneyo ngenxa yokwahluka kweempawu zabemi, inkcubeko kunye nokusetyenziswa kwiindawo ezahlukeneyo. Ukuqonda ubungakanani bemarike - ngoku kukho abantu abazizigidi ezingama-329 abahlala eUnited States.

Kukho izinto ezimbalwa ezinokuchaphazela ukwenzeka kotyalo-mali kunye neempawu zalo, kubandakanywa inqanaba lolwaphulo-mthetho kwindawo yepropati, imeko yentlalo-qoqosho yabantu abahlala kuloo ndawo, ubukho bezinto ezintle okanye Ukufudukela kwelinye ilizwe elibi kwindawo, imfuno yezindlu ezirentwayo nokunye.

Usomashishini weveki

Isithuba sentshayelelo

#יזםהשבוע #קוביאבישר #פוסט1 שלום לכולם, שמי קובי אבישר נשוי לליאל...

Kukho iiyantlukwano ezi-3 ezibalulekileyo phakathi kwemarike yezindlu nezindlu kwaSirayeli kunye nentengiso yase-US:
  1. amaxabiso epropati - Iindleko zamagumbi kunye nezindlu e-USA zitshiphu kakhulu kunamaxabiso ezindlu kunye nezindlu kwaSirayeli. Ukubonisa oku, ungafumana indlu ebanzi yomhlaba e-USA ngexabiso elilingana nexabiso lendlu enamagumbi ama-3 kwesinye sezixeko ezisecaleni kwaSirayeli.
  2. ixabiso lomhlaba - Ixabiso lomhlaba e-US akanalo ubunzima obuninzi njengakwaSirayeli, kwaye iindleko zokwakha zincinci apho. Ngenxa yenani leenyikima kunye nezivunguvungu ezibetha i-USA, kudla ngokuba yimfuneko ukubonelela ngezisombululo zezindlu ezikhawulezayo, ngoko ke kuqhelekile ukwakha izindlu kwizakhiwo ezenziwe ngaphambili okanye ukwakha ngeendlela zokwakha ngamaplanga. Ngenxa yoko, iindleko zezakhiwo zincinci, kodwa iindleko zokugcinwa zinokuthi ngamanye amaxesha zibe phezulu kwisishwankathelo esipheleleyo, oku kunciphisa kakhulu amaxabiso ezindlu kwilizwe xa kuthelekiswa noSirayeli.
  3. ukungafihli - E-USA, kukho ukucaca okupheleleyo kolawulo, kwaye yonke inkqubo yokuthengwa kwe-real estate ilawulwa ngokusemthethweni nasemthethweni, eyenza inkqubo ibe lula kwaye ilula, xa ithelekiswa nenkqubo yakwaSirayeli.
Ushishino lwezindlu nezindlu
Ingxaki yezoqoqosho ngo-2008 yachaphazela njani imarike yezindlu zase-US?

Ingxaki ye-subprime eyaqhambuka ngo-2007 yakhokelela kunyaka kamva kwintlekele yoqoqosho lwehlabathi. Igama lengxaki yazalwa ngenxa yesizathu sokuqhambuka kwayo, iimali-mboleko eziphantsi kwenkulumbuso enenzala ephezulu yokuthengwa kwezakhiwo, ezinikwe abantu abangakwaziyo ukuhlawula ngenxa yengeniso engazinzanga umzekelo, kwaye kukhokelele ekuvalweni nasekuthengisweni. yeepropati ezininzi.

Yintoni ekhokelele ekuqhambukeni kwale ngxaki??

Ngaphambi kokuqhambuka kwengxaki, i-USA yayinandipha ukunyuka ngokuthe ngcembe kwimarike yezindlu, nto leyo eyabangela ukuba urhulumente abonelele ngeemali-mboleko kwiimfuno zezindlu phantsi kweemeko ezintle kakhulu, ezifana nenzala ephantsi kwaye ngaphandle kwesidingo se-advanced okanye isiqinisekiso esongezelelweyo. Le ndlela yakhawuleza yakhokelela ekunyukeni kwemfuno ye-real estate, kwaye yadala imeko apho kwakungekho nzuzo ukurenta indawo yokuhlala, kuba kwakulula ukufumana i-mortgage eyayixhaswa ngokupheleleyo yibhanki (ngaphandle kokuba umthengi azise nayiphi na i-mortgage. ubulungisa).

Njengoko kukhankanyiwe, ukunyuka kweemfuno ze-real estate kubangele ukunyuka okukhulu kwamaxabiso kunye nokunyuka kweemfuno ze-real estate engeyiyo yokuhlala. Kwangaxeshanye, iibhanki kunye namaziko abolekisa ngemali akholelwa ukuba ababoleki baya kukwazi ukuhlangabezana neentlawulo zemali-mboleko kwaye benze iimali-mboleko ze-sub-prime zifumaneke kubo ngaphandle kokulawula okwaneleyo, kunye ne-mortgages exhaswa ngokukhutshwa kweebhondi ezinenzala ephezulu.

Isigqibo (semali) ngelo xesha sokunyusa izinga lenzala senza kube nzima kubaboleki ukufikelela kwintlawulo yemali-mboleko, kwaye kwavela imeko apho uninzi lwababoleki kwafuneka banikezele izindlu zabo kubabolekisi, abakwazanga ukuthengisa izakhiwo ngenxa yokuba. Imarike yezindlu nezindlu imodareyithiwe kwaye imfuno yehla kakhulu. Ngenxa yoko, izitokhwe ezithengiswayo ezithengiswayo nazo ziye zawa kwaye ingxaki yanika imiqondiso e-US kwaye yasasazeka kwihlabathi liphela.

Ingca yokugqibela yaba kukuhla kwexabiso lezindlu e-US, nto leyo ekhokelele kwimeko apho imali yokuboleka imali abayithathileyo yayiphezulu kunexabiso lezindlu ababenazo (Ngaphantsi kwamanzi) kwaye yabangela ukuba ababoleki abaninzi banike. banyusa iipropathi zabo, nto leyo eyandisa iziphumo zentlekele.

Ekugqibeleni, iibhanki kunye namaziko abolekisa ngemali asele enexabiso elikhulu lempahla engafunwayo, ekwakufuneka ukuba bayilahle ngokukhawuleza ukuze bahlawule amatyala abo, ngoko ke amaxabiso ezindlu nezindlu kweli lizwe afikelela kwinqanaba elingazange libonwe ngaphambili.

"Ithuba" - amaxabiso aphantsi kunye nonikezelo olukhulu lotyalo-mali lwezindlu e-USA

Ukulandela le ngxaki, abatyali-mali abaneliso elibukhali baqaphela ngokukhawuleza ithuba eliphambi kwabo kwaye baqala ukubonisa umdla kwi-real estate e-US. Ngokuqiniswa kweemeko zokufumana i-mortgage ebekwe ziibhanki kunye namaziko abolekisa ngemali, amaMerika akufumanisa kunzima ukulisebenzisa eli thuba, elishiye imarike ivulekele abatyali-mali bangaphandle kwaye yandisa imfuno yezindlu ezirentwayo.

Nangona sele kudlule iminyaka embalwa ukususela ngoko kwaye amaxabiso ezindlu nomhlaba abuyiselwe kwaye aqala ukunyuka ngokuthe ngcembe, asephantsi xa kuthelekiswa neendawo ezininzi zehlabathi, ngakumbi xa kuthelekiswa noSirayeli.

Ngaba intlekele ye-corona isoyikisa intengiso yezindlu nezindlu?"EUnited States"ב?

Kwezi ntsuku sijongene nengxaki yehlabathi, echaphazela iinkqubo zempilo kunye noqoqosho ngeendlela esingekazazi, kodwa ngokuchasene noko bekulindelwe, ukuthengiswa kwezindlu e-US kunyuke nge-43% kwikota yokugqibela xa kuthelekiswa nexesha elidlulileyo. unyaka. Inkcazo yexabiso lendlu yanda nge-4.29% xa kuthelekiswa ne-3.25 kunyaka odlulileyo, kwaye amaxabiso ezindlu anyuke nge-2.17%.

Ngezantsi ixabiso lexabiso elibhalwe kwi-20 Ezona zixeko zikhulu elizweni ukusukela ngo-2022:

IPhoenix ibonisa ukwanda okuphezulu, okumi kwi-32.41%, ilandelwa yiSan Diego (27.79%), iSeattle (25.5%), iTampa (24.41%), iDallas (23.66%), iLas Vegas (22.45%), iMiami (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%) Ipesenti, iCleveland (16.23%), iDetroit (16.12%), iWashington (15.84%), iMinneapolis (14.56%) kunye neChicago (13.32%).

Ixabiso eliphakathi kwipropati entsha e-US linyuke nge-20.1% kulo nyaka uphelileyo kwaye ngoku limi malunga ne-$390,000.

Ixabiso eliphakathi kweepropati ezikhoyo (isandla sesibini) malunga ne-$ 356,000.

Imfuno yokuthengwa kwezindlu iyaqhubeka nokunyuka, kodwa inani lokwakha liqala kwaye ukubonelela okuphantsi akukwazi ukwanelisa imfuno ephezulu. Abanye bakholelwa ukuba oku kungalingani kulindeleke ukuba kuxhamle abatyali-mali nangakumbi.

Izinga lentswela-ngqesho lehle laya kutsho kwi-5.2% ekupheleni kuka-2021 nalo lilinani elikhuthazayo.

IPodcast
Ngokukhanya kwezi datha, zeziphi iindlela eziphambili zotyalo-mali e-US namhlanje?

✔️ Ukuthenga indlu yabucala - Usapho oluSodwa

Ukuthengwa kwendlu yangasese evalelwe eUnited States inika umniniyo ubunini obubodwa bepropati kunye nomhlaba omi kuwo, kunye namalungelo kunye nezibophelelo zakhe. Nangona ixabiso lendlu evaliweyo liphezulu, kulula ukufumana i-mortgage kuyo kwaye ingeniso elindelekileyo kunye neendleko zinokuqikelelwa ngokuchanekileyo. Kwakhona, nangona ezi zindlu zihlala zikude kumaziko esixeko, kwaye ukufumana abaqashi kunokuba ngumngeni, idatha ibonisa ukuba uninzi lwabantu baseMelika bakhetha ukuhlala kwizindlu ezivaliweyo.

 

✔ Ukuthenga indawo yokuhlala kwisakhiwo okanye kwikhompleksi

Ukuthenga indlu kwisakhiwo okanye kwikhompleksi inika ubunini bendlu kuphela, kwaye ngokungafaniyo nakwaSirayeli, izakhiwo zokuhlala e-US, ezaziwa ngokuba ziicondominiums, zinokuqulatha amakhulu ezindlu, ezingabanini abohlukeneyo. Bonke abanikazi bezindlu banyanzelekile ukuba bahlawule i-Condo ("imali yekhaya") ngenjongo yokulawula nokugcina isakhiwo.

Ezi zindlu zinexabiso eliphantsi, kwaye uninzi lwezi zakhiwo ziqulathe izongezo ezifana nejim kunye nephuli, kodwa kubalulekile ukuba kuthathelwe ingqalelo ukuba kukho amakhulu ukuya kumawaka abaqeshi abongezelelweyo, imimiselo yokwakha kunye nequmrhu elilawula isakhiwo, kwaye ukuba iintlawulo zebhodi yendlu zinokuba phezulu, ngakumbi ukuba isakhiwo siphuculwe kunye nezongezo eziphucula umgangatho Ubomi babaqeshi. Ngaphandle koko, ukunyuka kwexabiso lezi zindlu kuncinci, kwaye kunzima kakhulu ukufumana i-mortgage yokutyalomali kuzo.

 

✔ Utyalo-mali lweqela kwiintsapho ezininzi (Usapho oluninzi)

Utyalo-mali njengenxalenye yeqela labantu lwenziwa ngenkampani yolawulo okanye i-arhente ye-brokerage, apho uthenga ngokudibeneyo indawo yokuhlala okanye isakhiwo sonke e-USA. Olu hlobo lotyalo-mali lufuna i-equity ephantsi, kodwa umngcipheko uphezulu, kuba utyalo-mali lufana nokuthenga isabelo kunye nesabelo esilinganisiweyo ngokwemali yotyalo-mali.

Nangona iqela lotyalo-mali kwimodeli yeentsapho ezininzi likwafanelekile kwabo banemali ephantsi yotyalo-mali, ifuna ulungelelwaniso kunye nesivumelwano phakathi kwabo bonke abatyali-mali, okuxhomekeke kakhulu kwiziko elilawula utyalo-mali. Umtyali-mali kule ndlela akathathi nxaxheba kulawulo lwepropati kwaye kunzima ukujongana nayo, kodwa ngenxa yesi sizathu kufuneka ahlawule ngaphezulu iindleko zolawulo. Kwiimeko apho iipropati zingaqeshwanga, ezi ndleko zingaphezulu kakhulu.

 

✔ Utyalo-mali kwi-real estate"Urhwebo e-USA"ב

Utyalo-mali kwi-real estate yorhwebo lubandakanya ukuthengwa kweeofisi, iivenkile, izakhiwo zoshishino, amaziko othutho, iihotele, izakhiwo zikawonke-wonke, njl., ezingenzelwanga indawo yokuhlala kodwa ukurenta ishishini okanye imibutho yoluntu.

Kwiimeko ezininzi, ipropati yorhwebo inokuqeshwa ngexabiso eliphezulu kunezindlu zokuhlala, kodwa iindleko ezifunekayo kumnini wayo ziphezulu. Nangona kunjalo, enye yeenzuzo ze-real estate yorhwebo kukuba umqeshi unokuba ngurhulumente okanye iqumrhu loluntu, apho umngcipheko weengxaki ezivela kwirenti uncinci kakhulu. Ngaphaya koko, akukho mahluko mninzi phakathi kwe-real estate yorhwebo kunye ne-real estate yokuhlala, kwaye uvavanyo olufanayo kufuneka lwenziwe kuzo zombini iindidi.

IEncyclopedia yeZindlu
Uthini umahluko phakathi kotyalo-mali lwexeshana elifutshane kunye nokwenza ingeniso “ngokuguquka” xa kuthelekiswa notyalo-mali lwexesha elide?

Inxalenye ebalulekileyo yamakhaya athengiswayo e-US ziipropati ezathi zathiywa emva kokuba abanini bazo behlulekile ukuhlawula imali-mboleko. Amaxesha amaninzi ezi zakhiwo zifuna ukulungiswa okubalulekileyo, kwaye akumangalisi ukufumanisa ukuba bezingenanto ixesha elide okanye baye bafumana ubunzima bokuqhekezwa okanye ukuhluthwa ngabahlali abangenamakhaya.

Oku kukwalapho ithuba labatyalo-mali livela khona: umtyalo-mali unokhetho lokuthenga iipropati zolu hlobo, ukuvuselela nokuphucula, kwaye emva koko uthengise ngexabiso eliphezulu ngelixa wenza inzuzo. Enyanisweni, ezinye iinkampani zezindlu nezindlu zenza iingeniso zazo zisebenzisa le ndlela.

Abanye bakhetha ukuyiphucula ipropati abayithengileyo ukuze baqokelele irenti ephezulu kuyo baze baqinisekise ngepropati ehlaziyiweyo nehlaziywayo, engayi kufuna ukulungiswa kakhulu, ubuncinane kwiminyaka eliqela ezayo. Kwakhona, iipropati zingaphuculwa ngokuzikhulisa kunye nokongezwa komgangatho owongezelelweyo okanye igumbi, njl.

Ngoobani izivumelwano ezifanelekileyo? "Flip"(Ukutsiba) - Olu hlobo lotyalo-mali lwenziwa ixesha elifutshane kwaye lufanelekile ngokukodwa kubatyalo-mali abanqwenela ukwenza inzuzo kwiinyanga ezimbalwa ukuya kunyaka. Ifanelekile kubantu abangafuni ukujongana neerenti, kunye nabo baqondayo umsebenzi wokuhlaziya nokwakha. Olu hlobo lotyalo-mali lubonelela ngeengeniso eziphezulu ecaleni komngcipheko ophezulu, njengoko lufuna utyalo-mali oluthe kratya kunye nokusebenza.

IZidiliya zeNdawo eziTshisayo: Ihowuliseyili & ngaphandle kweMarike
Uvavanyo olubalulekileyo ekufuneka lwenziwe ngaphambi kokwenza utyalo-mali lwezindlu nezindlu e-USA

* Indawo yePropati - Umahluko kunye nezikhewu phakathi kwemimandla eyahlukeneyo kulo lonke elase-US ngokuqhelekileyo kuya kuba nokubaluleka kwaye ubukhulu becala kumisela inzuzo yentengiselwano, ngoko ke ukukhetha indawo apho utyalo-mali luya kwenziwa kufuneka luthathele ingqalelo ezi parameters zilandelayo:

* Imfuno yerenti kwindawo - Ipropati engaqeshwanga iya kufuna ukuba umniniyo ahlawule irhafu yepropathi, ibhodi yendlu, irhafu kunye nezinye iindleko zayo, ezinokukhokelela kwilahleko. Nangona kungekho salathiso esibonisa ngokuchanekileyo imfuno yerenti kwindawo ethile, kunokwenzeka ukuhlola umgangatho wokuhlala kwiipropati kwindawo leyo. Kwakhona, ubukho bamaziko emfundo kunye namaziko engqesho afana nezibhedlele kunye neeyunivesithi ziya kutsala abantu abasemgangathweni kwindawo yokuhlala. Njengomgaqo oqhelekileyo, kuhlale kubhetele ukufumana indawo apho iinkqubo zophuhliso zenziwa khona kwaye zifumaneka kufuphi neendlela ezinkulu, iindawo zokuthutha eziphambili okanye amaziko okuthenga.

* Ubume boluntu abahlala ebumelwaneni - Imeko yentlalo-qoqosho iya kuchaphazela zombini umtsalane wabantu kwindawo kunye nokukwazi ukurenta ipropati. Kubalulekile ukujonga ukuba yintoni umyinge wengeniso yentsapho kunye nenqanaba lokungabikho kwemisebenzi kwindawo leyo, eya kunceda kwakhona ukugqiba inani lokwenene lerenti kunye nethuba lokungena engxakini nabaqeshi abangahlawuliyo. Kuyacetyiswa ukuba kujongwe nzulu inqanaba lolwaphulo-mthetho kwindawo leyo, umgangatho wamaziko emfundo kunye nenqanaba labemi. Amaxesha amaninzi ipropati enexabiso eliphantsi kakhulu inokubonisa indawo enolwaphulo-mthetho oluphezulu okanye intswelo-ngqesho ephezulu.

* Amaxabiso ezindlu"kunye nerenti ephakathi - Ukujonga amaxabiso emarike kuya kumisela ubukhulu becala indawo yotyalo-mali. Ukujonga umyinge werenti kuya kunceda ukubala isivuno.

* Ubalo lwabantu - Ukufuduka okungahambi kakuhle kunokubonisa iingxaki kwindawo, kwaye ngokuqhelekileyo kuya kubonisa ubunzima bokurenta okanye ukuthengisa ipropati, ngelixa ukufuduka okulungileyo kuya kubonisa ukunyuka kwexabiso le-real estate kwindawo. Kuyacetyiswa ukuba kujongwe inani labahlali kulo mmandla kwiminyaka edlulileyo.

* Imbuyekezo engumndilili - Eli nani alibalulekanga kuphela ekuhloleni ukuba nokwenzeka kotyalo-mali, kwaye liya kubonisa idatha eyongezelelweyo. Ngokubanzi, okukhona umngcipheko uphezulu kwindawo, kokukhona imbuyekezo iphezulu, ukuthethelela utyalo-mali kuloo ndawo.

* Imithetho kunye neerhafu - Kulo lonke ilizwe e-US kukho imithetho eyahlukeneyo kunye neerhafu ezinxulumene ne-real estate. Kubalulekile ukujonga, umzekelo, oko kutshiwo ngumthetho malunga nomqeshi ongahlawuliyo, zeziphi iirhafu zikamasipala ezikhoyo kunye nokuba kukho imithetho ekhethekileyo malunga ne-real estate, njengokuthintelwa kokuthenga umhlaba ngaphandle kwe-real estate yendawo. inkampani, njl.

* Imeko yepropati - Njengoko besitshilo ngaphambili, emva kwentlekele ka-2008, kukho isitokhwe esikhulu samagumbi e-US anabamkeli. La magumbi anokuthi kwiimeko ezininzi athengwe ngexabiso eliphantsi kunye nenzuzo evela kuxabiso lwabo. Abo bakhetha amagumbi angafuni ukulungiswa banokukhetha kwasekuqaleni ukutyalomali kwipropati ekwimeko engcono, efanelekileyo yokuhlala.

* Abaqeshi bepropati - Enye yezona zinto zibaluleke kakhulu kukukhetha abaqeshi ngokuchanekileyo, nokuba sele behlala kwipropati kwaye "bafike nayo" okanye ngaba ngaba bavunyelwe ukuba bangene. Wonke umnini-mhlaba anganqwenela ukuyirenta kubaqeshi abahlawula kwangethuba baze bazame ukuyigcina isesimweni esihle. Ngenxa yesi sizathu, kubalulekile ukuhlolisisa amandla okufumana abaqeshi kunye nendlela ezinzile ngayo, kunye nexesha labo elidlulileyo malunga namatyala kunye nokuphulwa komthetho. Ngaphandle koko, ukuba nazo zilungile kwaye zinobubele yibhonasi.

 

Iinkampani ezicetyiswayo kwizindlu nezindlu e-US ukusuka kwiSikhokelo seeNkampani zeReal Estate

Nadlan Invest

I-Nadlan Invest ibonelela ngoBuchule boTyalo-mali ekufumaneni uTyalo-mali olugqibeleleyo...

IGazethi yeGlobe

IGazit-Globe yinkampani ebandakanyeka ekuthengeni, ekuphuculeni, ekuphuhliseni nasekulawuleni amaziko...

I-BNH

I-BNH ithathele kuyo ukunceda oosomashishini kunye nabatyali-mali ekuqaleni kohambo lwabo, ukulawula...

Amanyathelo kwinkqubo yokuthenga ipropati e-USA

Ukuthengwa kwezindlu e-USA kuqhutywa ngeNkampani yoBunini, eliqumrhu elisemthethweni elizimeleyo elingathathi hlangothi, eliquka ii-arhente zeinshorensi kunye namagqwetha, agunyazisiweyo ukuba abandakanyeke ekubhaliseni ubunini bezindlu e-USA.

Ngenxa yendima yayo, inkampani ihlola ipropati kunye nobume bayo obusemthethweni, iqinisekisa ukuba akukho matyala angaphambili okanye ukunyanzeliswa, njl. Olu vavanyo luthatha iintsuku ezininzi. Le yindawo yokubonisa, ukuba ityala, ukuba likhona, alibhaliswanga kumnini wangaphambili wepropati, kodwa kwipropati ngokwayo, kwaye nabani na othenga ipropati engakhange ihlawulwe ngokupheleleyo kufuneka ahlawule ityala ngokwakhe.

Kwakhona, inkampani yeTitle ijongene nayo yonke inkqubo yokuthengiswa kwepropati, kubandakanywa ukudluliselwa kwemali phakathi komthengi kunye nomthengisi kunye nokubhaliswa kwepropati eTabu. Ekupheleni kwenkqubo yokuthengisa, inkampani idlulisela ubunini kwaye ibonelela nge-inshurensi, ukwenzela ukuba iya kuthwala iindleko ukuba kwixesha elizayo kukho ityala elingakhange lihlanjululwe kwipropati.

Umtyali-mali, okanye iqela labatyali-mali, abanqwenela ukuthenga ipropati e-United States kufuneka babhalise njengamahlakani kwi-LLC, indlela yokubhalisa yenkampani esetyenziswa eUnited States, apho umsebenzi worhwebo wotyalo-mali lwezindlu nezindlu. iUnited States iyenziwa. Ubhaliso lwenziwa kulo naliphi na ilizwe elivumela e-US, kwaye kuxhomekeke kwilizwe apho inkampani ibhaliswe khona, imithetho eyahlukileyo isebenza kuyo.

Ukuseka inkampani encinci yinkqubo elula ethatha iintsuku ezimbalwa kwaye ayifuni ukubamba ikhadi eliluhlaza okanye ubumi baseMelika. Izizathu zokuthenga ii-asethi ngenkampani enetyala elilinganiselweyo zilele kwinto yokuba ngale ndlela ii-asethi zomtyali-mali kunye nenkunzi yabucala zikhuselwe kwaye yinkampani kuphela enokuthatha amabango.

Ukongeza, iirhafu kwiinkampani zetyala elilinganiselweyo ziphantsi kunotyalo-mali lwabucala xa kufikwa kwirhafu kwinzuzo evela kwintengiso yexesha elizayo yepropathi, efanayo malunga nokurhafiswa kwengeniso kwipropati (ngaphezulu kwi-real estate). inkqubo yerhafu eUnited States ngezantsi).

kwinqanaba lokuqala lenkqubo Umtyali-mali udibana nabameli beenkampani ezithengisa izindlu ezisebenza kulo lonke elase-US. Injongo yentlanganiso kukuchonga iimfuno ezahlukeneyo zomthengi ukwenzela ukuba amfumane ipropati eya kunika impendulo efanelekileyo kwiinjongo zakhe zotyalo-mali kwaye ihlangabezane neemfuno kunye neemfuno zakhe ngendlela efanelekileyo. Ukuza kuthi ga ngoku, abameli baya kuzama ukuqonda ukuba yeyiphi uhlahlo lwabiwo-mali umtyalo-mali anqwenela ukutshala kuyo, kwindawo apho anqwenela ukufumana indawo yotyalo-mali, luhlobo luni lwepropati anqwenela ukuyithenga, njl. Emva kokuchonga iimfuno kunye neemfuno zomthengi, unikwa izibonelelo kwiipropati ezahlukeneyo.

Umthengi unako ukufumana iipropati ngokuzimeleyo. Iinkampani ze-real estate ziya kumnceda kule nto, kwaye zide zimkhaphe kwinkqubo yesicelo sokuthenga ipropati.

 

Iqhutywa njani inkqubo yokuthenga ipropati?

1. Xa ufuna ukuthenga ipropati, umtyali-mali kufuneka avelise uxwebhu, olwaziwa ngokuba yiPOF (ubungqina beNgxowa-mali). Uxwebhu, oluqulunqwe kwaye lukhutshwe yibhanki apho umtyalo-mali une-akhawunti, bubungqina bokuba umtyalo-mali unemithombo yemali yokuthenga ipropati. Xa umtyali-mali enesixa esipheleleyo sokuthenga (kunye nokulungiswa, ukuba kuyafuneka), ifotokopi okanye ikopi yengxelo ye-akhawunti kufuneka ingeniswe. Ukuba umtyali-mali uthabathe imali-mboleko ngenjongo yokwenza utyalo-mali, kufuneka aveze uxwebhu oluvela kumboleki kunye nesixa semali yokubambisa ayithathileyo.

2. Kwinyathelo lesibini, umnikelo kufuneka ungeniswe kumthengisi wepropathi kunye noxwebhu olungqina amandla otyalo-mali okuthenga ipropati. Kweli nqanaba umtyali-mali unokufuneka ukuba ahlawule kwangaphambili. Umthengisi unoxanduva lokuphendula kuye ngexesha eliqingqiweyo, elichazwe kunikezelo.

3. Kwangaxeshanye nenqanaba lesibini, makungqinisiswe ukuthembeka kwepropathi kuze kungeniswe ingxelo yeziphene, eyaziwa ngokuba yiPOS, echaza ukuba loluphi na ulungiso ekufuneka lwenziwe ukuze kuvunywe imvume yendawo yokuhlala. Uhlolo lwenziwa ngumhloli osuka kumasipala wendawo.

4. Kweli nqanaba, umtyali-mali unokuthumela iikontraka kwipropati ngenjongo yokufumana ixabiso elithengiweyo ukulungisa iziphene ezifunyenwe kuyo, kwaye avavanye ngokusekelwe kwezi zibonelelo ukuba ngaba kufanelekile kwaye kunenzuzo kuye ukwenza utyalo-mali.

5. Kwinyathelo elilandelayo, isivumelwano sifikelelwa kumthengisi ngexabiso lokuthenga, kwaye umthengisi usayine isithembiso esingeniswe ngumthengi. Ukusukela ngalo mzuzu ukuya phambili, amaqela aneentsuku ezintathu anazo apho banokucela umngeni kwikhontrakthi, ngokuqhelekileyo ngokusebenzisa igqwetha. Emva kokusayina isivumelwano, ipropati ihlolwe yiNkampani yeSinini.

6. Ekupheleni kwenkqubo yokuthenga, ukwenzela ukuvala isivumelwano, umtyalo-mali kufuneka anakekele onke amaxwebhu kunye neemali ezinxulumene nokuthenga. Kweli nqanaba, onke amaqela asayina zonke iifom ezifunekayo, imali yepropati iya kwi-akhawunti ye-escrow yenkampani yeTitle, eyidlulisela kumthengisi, emva koko ubunini bepropati budluliselwe.

7. Kufuphi nenqanaba lokuvala, ukuhlolwa kokugqibela kwepropati kwenziwa ukuqinisekisa ukuba imeko yayo ayitshintshanga ukususela ekubeni kusayinwe isivumelwano sokuthenga. Ukongezelela, ngokuhambelana nomthetho wase-USA, umntu kufuneka anakekele ukuthenga ipolisi ye-inshurensi yekhaya kwaye alungise umcimbi we-mortgage ukuba ithathwe. Emva koko unokuqalisa inkqubo yokuhlaziya (ukuba kuyimfuneko).

Ngenxa yomgama omkhulu phakathi kwe-Israel kunye ne-USA, kuqhelekile ukuba emva kokuthengwa, kusetyenziswa inkampani yokulawula, ejongene nokunyamekela okuqhubekayo kwepropati. Indima yenkampani kukujonga ipropati, ukuyigcina kwaye ihoye yonke into enxulumene nokurenta, ukusuka ekufuneni abaqeshi ukuya ekujonganeni neengxaki ezinokuvela. Imirhumo yolawulo yenkampani ihlawulwa kwirenti.

Yintoni onomdla kuyo?

Inkampani ye-Real Estate kunye neLaino isebenza ngokubambisana neenkampani ezikhokelayo kwintsimi, ezibonelela ngeenkonzo ezizodwa kuluntu ngamaxabiso abalaseleyo.
Zonke iinkonzo zibekwe esweni ngabasebenzi besiza kwaye ukuthembeka kwabo kuhlolwa ngamaxesha onke.

Indawo yethu yokuthengisa ilayisha intengiso ngqo kubathengisi mihla le. Kwakhona, unayo idatabase yeenkampani ezithengisa iipropati e-USA.

Iikhosi ezahlukeneyo zoqeqesho kwinkalo ye-real estate eya kukuvumela ukuba ufumane ulwazi lobuchwephesha kutyalo-mali lwabucala okanye ukuzibandakanya kwintsimi.

Fumana umnikelo onomtsalane wokuxhasa utyalo-mali lwakho ngemali. Abacebisi bezezimali abaphezulu botyalo-mali olungaphezu kwe-100 yeedola banakho.

Inkqubo yokufunda kunye nesikhokelo se-intanethi, ekhokelwa buqu ngabacebisi abaqeqeshiweyo nabanamava, abaya kukunika ulwazi lokuthenga umhlaba owenziwe ngempumelelo.

Musa utyalomali phambi kokuba ufumane ingxelo ebanzi! Ngaphambi nje kokutyala imali, masifumane ingxelo yohlalutyo enika idatha echanekileyo kwipropati.

Ukuposa, iipodcasts, iinkomfa zeforam nokunye. Iinkampani zonwabela uluhlu olubanzi lweepakethe zentengiso ezizodwa kubaphulaphuli abatyala imali.

Irhafu yezindlu nezindlu e-US - ingakanani irhafu olindeleke ukuba uyihlawule?

* Intlawulo yerhafu yePropati - EUnited States, umnini wendlu uhlawula irhafu yepropathi, kwaye kufuneka ahlawule nokuba ipropati ayihlali. Irhafu yepropati ihlawulwa kumasipala kanye emva kweenyanga ezi-3, kwaye isixa sayo sixhomekeke kwixabiso lepropati kunye nenkqubo yerhafu yengingqi.

* Iindleko ze-inshurensi yepropathi - Ihlawulwa kanye ngonyaka okanye ngezavenge ngenyanga. Iindleko zixhomekeke kububanzi bomgaqo-nkqubo, ixabiso lepropati, njl., kwaye linokuthi lisuse kumyinge phakathi kwe-$ 30 kunye ne-$ 100 ngenyanga.

* Ikomiti yeNdlu - Xa uthenga indlu kwisakhiwo okanye kwisakhiwo sezindlu, kufuneka uhlawule iindleko zokugcinwa kwendlu, ukulungiswa, njl.

* UMrhumo woLawulo - zihlawulwa kwinkampani yolawulo ukusuka kwiirenti eziqokelela kubaqeshi. Ngokwesiqhelo iindleko zisuka kwi-8% ukuya kwi-10% yerenti.

* Irhafu yengeniso evela kwirenti kunye nerhafu kwiinzuzo ezinkulu -AmaSirayeli angabanikazi bezindlu ezithengiswayo e-US barhafiswa zombini eUnited States nakwaSirayeli. Irhafu ihlawuliswa kwingeniso yangoku evela kwirenti, kwaye kwixesha elizayo xa ipropati ithengiswa kwingeniso elindelekileyo evela kwintengiso, abatyali-mali baya kufuneka bahlawule irhafu yenzuzo enkulu. Isivumelwano serhafu esasayinwa phakathi kwamaSirayeli kunye ne-US kwaye sibeka phambili kwisibini sazo xa kufikwa kubatyali-mali bakwaSirayeli abanini-asethi, uqinisekisa abatyali-mali ukuba baphephe irhafu ephindwe kabini.

* Irhafu yelifa - E-US kukho irhafu yelifa kwii-asethi ezibekwe e-United States, nokuba umniniyo akangomhlali okanye ummi waseMelika. Intsingiselo yale rhafu kukuba ukuba umnini wepropati uyafa, iindlalifa zakhe ziya kufuneka zihlawule irhafu kwixabiso lepropati ukuya kwizinga eliphezulu le-35%. Kukho iindlela ezahlukeneyo zokuthintela le rhafu, ezinjengokuseka inkampani yelizwe langaphandle ekuza kubhaliswa igama layo ipropati, kodwa xa ipropati ithengisiwe, loo nkampani iya kuhlawuliswa irhafu yenzuzo enkulu yemali ephezulu kunepropathi ebhaliswe kumntu othile. ireyithi ye-35% endaweni ye-15%. Olunye ukhetho olufanele luqwalaselwe, umzekelo ukuba umtyalo-mali sele ekhulile okanye uneengxaki zempilo, kukubhalisa ipropati kwangaphambili egameni leendlalifa ezizayo.

Iindleko ezenzelwe amagumbi, anje nge-inshurensi, ukugcinwa kwesiqhelo, njl.njl., zamkelwa e-US ngeenjongo zerhafu, ke ngoko umntu owaseka i-LLC egameni lakhe kufuneka angenise ingxelo yerhafu e-US minyaka le, ebonisa yonke into yakhe. iingeniso kunye nelahleko. Kwiimeko apho amagama amaninzi abhalisiweyo egameni lenkampani, intlawulo yerhafu iya kuhlawuliswa ngokomlinganiselo wobunini babo kwinkampani.

Isixa serhafu esiqhelekileyo e-USA sisuka kwi-10% ukuya kwi-35% ngokuxhomekeke kumanqanaba erhafu, kwaye ukufakwa kweengxelo umtyali-mali uya kufuneka ahlawule amakhulu amaninzi eedola.

Singobani?

Iqela leNadlan libonelela ngesambulela esipheleleyo sezisombululo kwi-USA abatyali-mali beReal Estate - abantu basekhaya, okanye abemi bangaphandle. Siboleka abarhwebi ngamakhulu ababolekisi - senza ifandesi phakathi kwabo bonke ababolekisi ukuze sikufumanele eyona mali ingcono yokuboleka e-US- kwaye zonke iibhanki zethu zikwasebenza nabemi bangaphandle. Sinesikolo seReal Estate kwaye sifundisa uThenga & Ubambe, Lungisa & Flip, Multi Family, Wholesaling, Land. I-AirBNB kunye nokunye, sinoluntu olomeleleyo lwamashumi amawaka abantu, iwebhusayithi yothungelwano kunye ne-app, siqhuba iindibano ezinkulu zeReal Estate & Expo's, sibonelela ngentengiso yeenkampani zeReal Estate, kwaye singabakhi bezakhiwo eziNtsha zoKwakha & qhuba. Multifamily syndications. Kwinkampani yethu yenkxaso-mali sikwavula iiAkhawunti zeBhanki ukude ngaphandle kwesidingo sokubhabha uye e-US, sivule ii-LLC kunye nenkampani yethu yokubambisa sibonelela ngezisombululo zenkxaso-mali kubemi bangaphandle kunye nabantu baseMelika abatyala imali kwimarike yezindlu zase-US. Sinikezela ngesikhokelo sobuqu kunye neqonga lefandesi eliphambili ukunceda abathengi bakhusele ezona nkxaso-mali zibalaseleyo ezivela kumaziko amaninzi. Inkampani yethu ikwabonelela ngenkxaso eqhubekayo de kufumaneke inkxaso-mali.

Sinikela nge-10% yazo zonke iingeniso zethu.

Amaqabane ethu oshishino aseMelika kunye neenkampani zethu zolawulo lwepropathi ezineentsapho ezininzi zijoyine uluhlu lweenkampani ezikhula ngokukhawuleza ezingama-5000 eMelika unyaka wesithathu ngokulandelelana.

Iinkampani zethu:

www.nadlanForum.com -INdawo yethu ePhambili - iNethiwekhi yeNtlalo yabaTyali-mali, amaNqaku, ukuQeqesha, iiKhosi

www.NadlanCapitalGroup.com -Inkxaso-mali yezindlu ezithengiswayo kubaTyali-mali bamanye amazwe kunye nabahlali base-US-Reverse iFandesi ye-Mortgage ukuze ufumane eyona Quote ilungileyo

www.NadlanMarketing.com -Inkampani yethu yeNtengiso yeeFirms eziNxulumene nezindlu

www.NadlanUniversity.com -Phila ngeNkqubo yeNgcebiso yeReal Estate

www.NadlanCourse.com -Ikhosi yeRekhodi eRekhodwe kwangaphambili kunye neZifundo ezingama-70+

www.NadlanNewConstruction.www – UPhuhliso olutsha lwePropati yoKwakha kulo lonke elase-US

www.NadlanInvest.com -Yakha iProfayile yakho yoTyalo-mali kwaye ufumane iZibonelelo zeDibano ezichaziweyo

Nadlan.InvestNext.Com –I-Portal yethu yoTyalo-mali kwiiNdibaniselwano zeeNtsapho ezininzi kunye neZibonelelo eziNtsha zoKwakha

www.NadlanDeals.com -IWebhusayithi yethu yeNgxowa-mali yezindlu

www.nadlanExpo.com –Indibano yethu yoNyaka yeNadlan Expo

www.NadlanAnalyst.com -Oda iNgxelo yoHlahlo lwe-Real Estate ngokuThenga kwakho Okulandelayo ukwenza uTyalo-mali oluhlakaniphile

Ngaba uyafuna ukufumana lonke ulwazi phambi komntu wonke?

Bhalisela ngoku kwincwadana yethu

Ikhalenda yeziganeko kunye neenkomfa

Imisitho yethu kunye neenkomfa lithuba lakho lokuhlangana, ukuxoxa kunye nokufumana ulwazi lobuchwephesha ngqo!
Apha ungahlala uhlaziyiwe kwikhalenda yeziganeko, ubhalise kwaye ufike. 

Ulwazi ngamandla akho otyalo-mali olungcono

Ugcino lwedatha yeefayile zezindlu nomhlaba

Ngaphezulu kweefayile ze-500, izivumelwano kunye neengxelo

Indawo yentengiselwano evela kumazwe angama-50

Iintengiselwano zexesha lokwenyani ezivela kwiindawo ezingaphezu kwe-1000 kwihlabathi liphela

Iikhalityhuleyitha zokuthengiswa kwezindlu

Kutyalo-mali olukrelekrele

Amazwe acetyiswayo kutyalo-mali

Ulwazi kuwo onke amazwe ase-US kunye nezixeko kwindawo enye

Izibonelelo kunye nezaphulelo

Ababhalisile be-Smart bokwenyani bayonwabela izibonelelo ezikhethekileyo

Iinkomfa kunye neentlanganiso

Iinkomfa, kunye neebhinari, iintlanganiso ze-real estate kunye nayo yonke into eshushu kwibala

Iintengiselwano

Iintengiselwano zakutsha nje ezenziwe ngamalungu eforum

amaqela eengxoxo

Ilizwe ngalinye kunye neenzuzo zalo - masithethe ngalo

Indawo yoRhwebo lwezandla 2

Iintlobo ngeentlobo zezivumelwano kunye nentsebenziswano zikulindile apha

Nxibelelana nathi-Ingcebiso yasimahla!