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Izindlu ezithengiswayo e-United States - utshalomali lwezindlu ezithengiswayo e-United States

Ukutshalwa kwezimali kwezakhiwo e-USA - umhlahlandlela ophelele wabatshali bezindlu e-United States ngo-2024

Eminyakeni yakamuva, abatshalizimali bakwa-Israel baya ngokuya bezwakalisa intshisekelo ekutshalweni kwezindlu ezithengiswayo e-US. Isizathu esikhulu salokhu umzamo wokuthola ukuthengiselana okunenzuzo kwezindlu ezithengiswayo ngaphandle kwemingcele yakwa-Israyeli okungenziwa ngokulingana okuphansi kunalokho okudingekayo lapha kwa-Israyeli kanye nethuba lembuyiselo ephezulu, kuyilapho kusizakala ngenhlekelele yezomnotho ukuthi kwaqubuka ngo-2008 okwaholela ekwehleni kwezintengo zezindlu e-US futhi kwadala amathuba okutshala imali okwabelwana ngawo Iningi lawo lisatholakala nanamuhla.

Kumtshali-zimali wangaphandle, ukutshalwa kwezimali kwamanye amazwe ngokujwayelekile, ikakhulukazi e-USA, kudinga ucwaningo olunzulu kanye nolwazi lwangaphambili oluzomvimbela ekubekeni imali yakhe esikhwameni sezinyamazane futhi abeke engcupheni yokulahlekelwa ingcebo yakhe.

Emigqeni elandelayo, sizokwethula isibuyekezo esibanzi esithinta izindaba ezingu-9 ezibaluleke kakhulu okufanele wonke umtshali wezindlu e-United States azi ngaphambi kokwenza isivumelwano. Ulwazi lubalulekile kubo bobabili abatshalizimali abasaqalayo nabathuthukile. Asicwilise...

Izindaba ezivela emhlabeni ingcebo

Kuhlale kukhona okusha esingakufunda nganoma yini. Kunjalo endaweni yonke engapheli

Izimpawu zemakethe yezindlu ezithengiswayo e-USA - kungani i-United States?

Imakethe yezindlu ezithengiswayo eNyakatho Melika inikeza ukutshalwa kwezimali okuhlukahlukene ngenxa yomehluko wezimpawu zabantu, isiko kanye nokusetshenziswa ezindaweni zayo ezahlukahlukene. Ukuqonda ubukhulu bemakethe - njengamanje kunabantu abayizigidi ezingama-329 abahlala e-United States.

Kunezici ezimbalwa ezingase zibe nomthelela ekutheni utshalomali lube nokwenzeka kanye nezici zalo, okuhlanganisa izinga lobugebengu endaweni yendawo, isimo senhlalonhle yezomnotho sabantu abahlala endaweni, ukuba khona kokuhle noma ukufuduka okungekuhle endaweni, isidingo sezindlu eziqashisayo nokunye.

Usomabhizinisi wesonto
Kunomehluko oyisisekelo emi-3 phakathi kwemakethe yezindlu nezindlu kwa-Israel kanye nemakethe yase-US:
  1. amanani ezakhiwo - Izindleko zamafulethi nezindlu e-USA zishibhe kakhulu kunezintengo zamafulethi nezindlu kwa-Israel. Ukukhombisa lokhu, ungathola indlu enomhlaba ebanzi e-USA ngenani elilingana nenani lefulethi elinamagumbi amathathu kwelinye lamadolobha aseduze kwa-Israel.
  2. inani lomhlaba - Intengo yomhlaba e-USA ayinaso isisindo esiningi njengakwa-Israel futhi izindleko zokwakha zishibhile lapho. Ngenxa yenani lokuzamazama komhlaba neziphepho ezihlasela i-USA, kuvame ukudingekile ukuhlinzeka ngezixazululo ezisheshayo zezindlu, ngakho-ke kuyisiko ukwakha izindlu ezakhiweni ezenziwe ngaphambili noma ukwakha ngezindlela zokwakha ngokhuni. Ngenxa yalokho, izindleko zezakhiwo zishibhile, kodwa izindleko zokulungisa ngezinye izikhathi zingase zibe phezulu ekufingqweni okuphelele, lokhu kunciphisa kakhulu amanani ezindlu ezithengiswayo ezweni uma kuqhathaniswa ne-Israel.
  3. obala - E-USA, kukhona ukucaca okuphelele kokuphatha, futhi yonke inqubo yokuthengwa kwezindlu nezindlu ilawulwa ngokusemthethweni nasemthethweni, okwenza inqubo ibe lula futhi ibe lula, uma iqhathaniswa nenqubo yakwa-Israyeli.
Ukuhweba ngezindlu
Inkinga yezomnotho ngo-2008 yaba nomthelela kanjani emakethe yezindlu zase-US?

Inkinga ye-subprime eyaqubuka ngo-2007 yaholela ngonyaka olandelayo enkingeni yezomnotho emhlabeni jikelele. Igama lenhlekelele lazalwa ngenxa yesizathu sokuqubuka kwayo, imali mboleko engaphansi kwe-sub-prime enenzalo enkulu yokuthengwa kwezakhiwo, enikezwe abantu abangakwazi ukukhokha ngenxa yemali engenayo engazinzile ngokwesibonelo, futhi yaholela ekuvalweni nasekuthengisweni. wezakhiwo eziningi.

Yini eyaholela ekuqubukeni kwale nkinga??

Ngaphambi kokugqashuka kwale nkinga, i-USA yajabulela ukwanda kancane kancane kwemakethe yezindlu, okwabangela ukuthi uhulumeni anikeze imali ebolekiwe yezidingo zezindlu ngaphansi kwezimo ezivumayo kakhulu, njengenzalo ephansi futhi ngaphandle kwesidingo sesiqinisekiso kusengaphambili noma esengeziwe. Le ndlela ngokushesha yaholela ekwenyukeni kwesidingo sezindlu ezithengiswayo, futhi yadala isimo lapho kwakungeyona inzuzo ukuqasha indawo yokuhlala, ngoba kwakulula ukuthola imali yokubolekwa kwendlu eyayixhaswe ngokugcwele yibhange (ngaphandle kokuthi umthengi alethe ukulingana).

Njengoba kushiwo, ukwanda kwesidingo sezindlu ezithengiswayo kwaholela ekwenyukeni okukhulu kwamanani kanye nokwenyuka kwesidingo sezindlu ezingezona zokuhlala. Ngesikhathi esifanayo, amabhange kanye nezikhungo ezibolekisayo zazikholelwa ukuthi ababolekayo bazokwazi ukuhlangabezana nokukhokha imali ebolekiwe futhi benze imali mboleko ye-sub-prime itholakale kubo ngaphandle kokulawula okwanele, nge-mortgages exhaswa ngokukhishwa kwamabhondi anenzalo ephezulu.

Isinqumo (semali) ngaleso sikhathi sokunyusa inzalo senza kwaba nzima kubaboleki ukuhlangabezana nokukhokha imali ebolekiwe, futhi kwavela isimo lapho ababoleki abaningi kwadingeka banikeze izindlu zabo kubabolekisi, abangakwazi ukudayisa izakhiwo. ngoba imakethe yezindlu ezithengiswayo ilinganisiwe futhi isidingo sehle kakhulu. Ngenxa yalokho, amasheya ezindlu ezithengiswayo nawo abhidlika futhi le nkinga yanikeza izimpawu zayo e-US futhi yasabalala emhlabeni wonke.

Utshani bokugcina kwaba ukwehla kwenani lamafulethi e-US, okuholele esimeni lapho amanani emali mboleko abawakhiphile ayephezulu kunamanani ezindlu ababenazo (Ngaphansi Kwamanzi) futhi kwabangela ukuthi ababoleki abaningi banikeze. bakhuphule izakhiwo zabo, okwabhebhethekisa imiphumela yenhlekelele.

Ekugcineni, amabhange kanye nezikhungo ezibolekisayo zasala nenani elikhulu lempahla engafunwanga, okwakudingeka bayikhiphe ngokushesha ukuze bakhokhe izikweletu zabo, futhi ngaleyo ndlela amanani ezindlu ezithengiswayo ezweni afinyelele ezingeni elingakaze libonwe ngaphambili.

"Ithuba" - amanani aphansi kanye nesamba esikhulu sokutshalwa kwezimali kwezakhiwo e-USA

Ukulandela le nkinga, abatshalizimali ngeso elibukhali balibona ngokushesha ithuba eliphambi kwabo futhi baqala ukukhombisa intshisekelo ngezindlu ezithengiswayo e-USA. Ngokuqiniswa kwezimo zokuthola imali yokuthenga indlu ebekwe amabhange nezikhungo ezibolekisayo, abantu baseMelika bakuthola kunzima ukulisebenzisa leli thuba, okwashiya imakethe ivulekele abatshalizimali bangaphandle futhi kwanda nesidingo sezindlu eziqashisayo.

Nakuba sekudlule iminyaka embalwa kusukela ngaleso sikhathi futhi amanani ezindlu ezithengiswayo alulama futhi aqala ukukhuphuka kancane kancane, asephansi uma kuqhathaniswa nezindawo eziningi emhlabeni, futhi ikakhulukazi uma kuqhathaniswa no-Israyeli.

Ingabe inkinga ye-corona isongela imakethe yezindlu nezindlu?"n Bara"ב?

Kulezi zinsuku sibhekene nenkinga yomhlaba wonke, ethinta izinhlelo zezempilo nomnotho ngezindlela esingakaziwa, kodwa ngokuphambene nalokho obekulindelekile, ukuthengiswa kwezindlu e-US kukhuphuke ngo-43% ngekota yokugcina uma kuqhathaniswa nesikhathi esihambisanayo. unyaka. Inkomba yentengo yezindlu ikhuphuke ngo-4.29% uma iqhathaniswa ne-3.25 ngonyaka odlule, futhi amanani ezindlu akhuphuke ngo-2.17%.

Ngezansi ukuthambekela kwentengo okurekhodwe ngomhla ka-20 Amadolobha amakhulu kakhulu ezweni kusukela ngo-2022:

IPhoenix ikhombisa ukwanda okuphezulu kakhulu, okuma ku-32.41%, ilandelwa yiSan 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%) kanye neChicago (13.32%).

Intengo emaphakathi yendawo entsha e-US inyuke ngo-20.1% onyakeni odlule futhi okwamanje icishe ibe ku-$390,000.

Intengo emaphakathi yezakhiwo ezikhona (isandla sesibili) cishe i-$356,000.

Isidingo sokuthengwa kwezindlu siyaqhubeka nokwenyuka, kodwa inani lokwakha liyaqala futhi ukunikezwa okuphansi akukwazi ukwanelisa isidingo esikhulu. Abanye bakholelwa ukuthi lokhu kungalingani kulindeleke ukuthi kuzuzise abatshalizimali nakakhulu.

Izinga labangasebenzi elehle lafinyelela ku-5.2% ekupheleni kuka-2021 nalo liyisibalo esikhuthazayo.

i-podcast
Ngokucabangela le datha, yiziphi izindlela zokutshala izimali ezihamba phambili e-US namuhla?

✔️ Ukuthenga indlu yangasese - Umndeni Ongashadile

Ukuthengwa kwendlu yangasese evalelwe e-United States kunikeza umnikazi wayo ubunikazi obukhethekile bendawo kanye nomhlaba omi kuwo, kanye namalungelo nezibopho zakhe. Nakuba intengo yendlu ehlukanisiwe iphakeme, kulula ukuthola imali ebolekwayo futhi imali engenayo nezindleko ezilindelekile zingabikezelwa ngokunembile. Futhi, nakuba lezi zindlu ngokuvamile ziqhelelene nezikhungo zedolobha, futhi ukuthola abaqashi kungaba inselele kancane, idatha ibonisa ukuthi iningi labantu baseMelika likhetha ukuhlala ezindlini ezizimele.

 

✔️ Ukuthenga ifulethi esakhiweni noma eziyinkimbinkimbi

Ukuthenga ifulethi esakhiweni noma eziyinkimbinkimbi kunikeza ubunikazi befulethi kuphela, futhi ngokungafani nakwa-Israel, izakhiwo zamafulethi e-US, ezaziwa ngokuthi ama-condominiums, zingaqukatha amakhulu ezindlu, ezingabanikazi abahlukene. Bonke abanikazi bamafulethi banesibopho sokukhokha i-Condo ("imali yasekhaya") ngenjongo yokuphatha nokunakekela isakhiwo.

Lawa mafulethi ashibhile uma kuqhathaniswa, futhi iningi lalezi zakhiwo liqukethe izithasiselo ezifana nejimu kanye nedamu lokubhukuda, kodwa kubalulekile ukucabangela ukuthi kunamakhulu kuya ezinkulungwaneni zabaqashi abengeziwe, imithetho yezakhiwo kanye nendikimba elawula isakhiwo, futhi ukuthi izinkokhelo zebhodi lezindlu zingase zibe phezulu, ikakhulukazi uma isakhiwo sithuthukiswa ngezengezo ezithuthukisa izinga Izimpilo zabaqashi. Ngaphandle kwalokho ukunyuka kwamanani alawa mafulethi kuhamba kancane, futhi kuba nzima kakhulu ukuthola imali yokuthenga indlu yokutshala imali kuwo.

 

✔️ Ukutshalwa kwezimali kweqembu ku-multifamily (Imindeni eminingi)

Ukutshala imali njengengxenye yeqembu labantu kwenziwa ngenkampani yokuphatha noma i-ejensi yabathengi, lapho nithenga ngokuhlanganyela isakhiwo samafulethi noma sonke isakhiwo e-USA. Lolu hlobo lokutshalwa kwezimali ludinga ukulingana okuphansi, kodwa ingozi iphezulu, ngoba utshalomali lufana nokuthenga isabelo kanye nesabelo esilinganiselwe ngokuya ngenani lokutshalwa kwezimali.

Nakuba ukutshalwa kwezimali kweqembu kumodeli yemindeni eminingi nakho kufanelekile kulabo abanenani eliphansi lokutshalwa kwezimali, kudinga ukubambisana nesivumelwano phakathi kwabo bonke abatshalizimali, okuncike ngokwezinga elikhulu ebhizinisini eliphethe ukutshalwa kwezimali. Umtshali-zimali kulo mzila akazibambi iqhaza ekuphathweni kwendawo futhi akadingi ukubhekana nakho, kodwa ngenxa yalesi sizathu kudingeka akhokhe ngaphezulu izindleko zokuphatha. Ezimeni lapho izakhiwo zingaqashiwe, lezi zindleko zingaba phezulu kakhulu.

 

✔️ Ukutshalwa kwezimali ku-real estate"Ezohwebo e-USA"ב

Ukutshala imali ezindlini ezithengiswayo kubandakanya ukuthengwa kwamahhovisi, izitolo, izakhiwo zezimboni, izikhungo zezokuthutha, amahhotela, izakhiwo zomphakathi, njll., okungahloselwe ukuba kube izindawo zokuhlala kodwa eziqashiswa ibhizinisi noma izinhlangano zomphakathi.

Ezimweni eziningi, indawo yezohwebo ingaqashwa ngentengo ephezulu kunendawo yokuhlala, kodwa izindleko ezidingekayo kumnikazi wayo ziphezulu. Kodwa-ke, enye yezinzuzo zezindlu ezithengiswayo ukuthi umqashi angase abe uhulumeni noma inhlangano yomphakathi, lapho ingozi yezinkinga eziqhamukayo ngerenti incane kakhulu. Ngaphandle kwalokho, awukho umehluko omningi phakathi kwezindlu ezithengiswayo nezindawo zokuhlala, futhi ukuhlolwa okufanayo kufanele kwenziwe kuzo zombili izinhlobo.

I-encyclopedia yezindlu
Uyini umehluko phakathi kokutshalwa kwezimali kwesikhathi esifushane nokwenza inzuzo "ngokushintshashintsha" uma kuqhathaniswa nokutshalwa kwezimali kwesikhathi eside?

Ingxenye ebalulekile yezindlu ezithengiswayo e-US yizindawo ezadlelwayo ngemva kokuba abanikazi bazo behlulekile ukukhokha imali yendlu. Izikhathi eziningi lezi zakhiwo zidinga ukulungiswa okubalulekile, futhi akumangazi ukuthola ukuthi sezinesikhathi eside zingenalutho noma zike zagqekezwa noma zathathwa yizakhamuzi ezingenamakhaya.

Yilapho futhi ithuba labatshalizimali litholakala khona: umtshali-zimali unenketho yokuthenga izakhiwo zalolu hlobo, azilungise futhi azithuthukise, bese ethengisa ngentengo ephakeme ngenkathi enza inzuzo. Eqinisweni, ezinye izinkampani ezithengisa izindlu zenza inzuzo yazo zisebenzisa le ndlela.

Abanye bakhetha ukuthuthukisa indawo abayithengile ukuze bayiqoqele imali yerenti ephakeme futhi baqinisekise indawo evuselelwe kabusha, engeke idinge ukulungiswa okuningi, okungenani iminyaka eminingana ezayo. Futhi, izakhiwo zingathuthukiswa ngokuzikhulisa ngokungezwa kwesitezi esingeziwe noma igumbi, njll.

Obani amadili afanele? "Phenya"(I-Flipping) - Lolu hlobo lokutshalwa kwezimali lwenzelwa isikhathi esifushane futhi lufanele ikakhulukazi abatshalizimali abafisa ukwenza inzuzo phakathi nezinyanga ezimbalwa kuya onyakeni. Ilungele abantu abangafuni ukubhekana nerenti, kanye nalabo abaqonda imisebenzi yokuvuselela nokwakha. Lolu hlobo lokutshalwa kwezimali empeleni lunikeza inzuzo ephezulu kanye nengozi enkulu, njengoba ludinga ukutshalwa kwezimali okwengeziwe nokusebenzayo.

Amadili Ezindlu Ezishisayo: I-Wholesale & Off Market
Ukuhlola okubalulekile okumelwe kwenziwe ngaphambi kokutshala izimali ngendawo ethengiswayo e-USA

* Indawo yendawo - Umehluko namagebe phakathi kwezifunda ezihlukene kulo lonke elase-US ngokuvamile uzoba mkhulu futhi unqume kakhulu inzuzo yomsebenzi, ngakho-ke ukukhetha indawo lapho kuzotshalwa khona imali kufanele kucabangele lezi zimiso ezilandelayo:

* Isidingo sokuqasha endaweni - Indawo engaqashiwe izodinga ukuthi umnikazi wayo akhokhe intela yendawo, ibhodi lendlu, intela nezinye izindleko zayo, okungaholela ekulahlekelweni. Nakuba ingekho inkomba ebonisa ngokunembile isidingo sokuqasha endaweni ethile, kungenzeka ukuhlola izinga lokuhlala lezakhiwo ezikuleyo ndawo. Futhi, ukuba khona kwezikhungo zemfundo nezikhungo zokuqashwa njengezibhedlela namanyuvesi kuzoheha abantu abasezingeni eliphezulu endaweni okuhlalwa kuyo. Njengomthetho ojwayelekile, kuhlale kungcono ukuthola indawo lapho izinqubo zentuthuko zenzeka khona futhi eseduze nemigwaqo emikhulu, izindawo zokuthutha ezinkulu noma izikhungo zokuthenga.

* Imvelo yabantu abahlala endaweni - Isimo senhlalo-mnotho sizothinta kokubili ukukhangwa kwabantu endaweni kanye nekhono lokuqasha indawo. Kubalulekile ukuhlola ukuthi ingakanani imali engenayo yomndeni kanye nezinga lokuntuleka kwemisebenzi endaweni, okuzosiza nokunquma inani langempela lerenti kanye nethuba lokungena enkingeni nabaqashi abangakhokhi. Kuyancomeka ukuthi kubhekwe ngokujulile izinga lobugebengu endaweni, izinga lezikhungo zemfundo kanye nezinga labantu. Izikhathi eziningi indawo enenani eliphansi kakhulu ingase ibonise indawo enobugebengu obuphezulu noma izinga eliphezulu lokuntuleka kwemisebenzi.

* Izintengo zezindlu ezithengiswayo"kanye nerenti evamile - Ukuhlola amanani emakethe kuzonquma kakhulu indawo yokutshalwa kwezimali. Ukuhlola isilinganiso serenti kuzosiza ukubala isivuno.

* Ukubalwa kwabantu - Ukufuduka okungalungile kungase kubonise izinkinga endaweni, futhi ngokuvamile kuzobonisa ubunzima ekuqashiseni noma ekuthengiseni indawo, kuyilapho ukufuduka okuhle kuzobonisa ukwenyuka kwenani lezindlu ezithengiswayo endaweni. Kunconywa ukuthi kubhekwe inani lezakhamuzi endaweni ngokuhamba kweminyaka.

* Isilinganiso sokubuyisela - Lesi sibalo asibalulekile kuphela ekuhloleni ukuthi kungenzeka yini ukutshalwa kwezimali, futhi sizobonisa idatha eyengeziwe. Ngokuvamile, lapho ingozi iphezulu endaweni, kufanele kube nembuyiselo ephezulu, ukuze kuthethelelwe ukutshalwa kwezimali kuleyo ndawo.

* Imithetho nezintela - Kuzo zonke izifundazwe zase-US kunemithetho ehlukene kanye nezintela ezihlobene nezindawo ezithengiswayo. Kubalulekile ukuhlola, isibonelo, ukuthi umthetho uthini mayelana nesiqashi esingakhokhi, yiziphi izintela zikamasipala ezikhona nokuthi ingabe ikhona yini imithetho ekhethekile mayelana nezindlu nezakhiwo, njengokwenqatshelwa kokuthengwa kwezindlu nomhlaba ngaphandle kwezindawo ezithengiswayo zendawo. inkampani, njll.

* Isimo sendawo - Njengoba sishilo ekuqaleni, kulandela inhlekelele ka-2008, kunenqwaba yamafulethi e-US anabamukeli. Lezi zindlu ezimweni eziningi zingathengwa ngentengo ephansi futhi zithole inzuzo ngokwazisa kwazo. Labo abakhetha amafulethi angadingi ukulungiswa bangakhetha kwasekuqaleni ukutshala imali endaweni esesimweni esingcono, esilungele ukuhlala.

* Abaqashi bendawo - Enye yezinto ezibaluleke kakhulu ukukhetha abaqashi ngendlela efanele, noma ngabe vele behlala endaweni futhi "bafike nayo" noma ngabe nguwe abangenise. Wonke umnikazi wendawo angafisa ukuyiqashisa kubaqashi abakhokha ngesikhathi futhi bazame ukunakekela indawo. Ngenxa yalesi sizathu, kubalulekile ukuhlola amandla okuhola abaqashi nokuthi uzinzile kangakanani, kanye nesikhathi sabo esidlule mayelana nezikweletu nokuphulwa komthetho. Ngaphandle kwalokho, uma nabo bebahle futhi benomusa kuba ibhonasi.

 

Izinkampani zemizi ethengiswayo ezinconyiwe e-USA ezivela kunkomba yenkampani yezindlu ezithengiswayo

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Izinyathelo zenqubo yokuthenga indawo e-USA

Ukuthengwa kwezindlu e-USA kwenziwa nge-Title Company, okuyinhlangano esemthethweni ezimele engathathi hlangothi, ehlanganisa ama-ejenti omshwalense nabameli, abagunyazwe ukubhalisa ubunikazi bezindlu e-USA.

Ngenxa yendima yayo, inkampani ihlola indawo kanye nesimo sayo esingokomthetho, iqinisekisa ukuthi azikho izikweletu zangaphambilini noma izibopho, njll. Lokhu kuhlola kuthatha izinsuku ezimbalwa. Lena indawo okumele siveze ukuthi isikweletu, uma sikhona, asibhaliswanga kumnikazi wangaphambili wendawo, kodwa endaweni uqobo, futhi noma ngubani othenga indawo engakakhokhwa ngokugcwele kufanele azikhokhele yena isikweletu.

Futhi, inkampani yeTitle inesibopho sayo yonke inqubo yokudayisa indawo, okuhlanganisa ukudluliswa kwezimali phakathi komthengi nomthengisi kanye nokubhaliswa kwendawo eseTabu. Ekupheleni kwenqubo yokuthengisa, inkampani idlulisela ubunikazi futhi inikeze umshwalense, ukuze ikwazi ukubhekana nezindleko uma esikhathini esizayo kunesikweletu esingakaqedwa ngesakhiwo.

Umtshali-zimali, noma iqembu labatshalizimali, abafisa ukuthenga indawo e-United States kudingeka babhalise njengabalingani ku-LLC, okuyindlela yokubhalisa yenkampani esetshenziswa e-United States, lapho umsebenzi wezohwebo wokutshalwa kwezindlu nezindlu zithengiswa khona. i-United States iyenziwa. Ukubhalisa kwenziwa kunoma yiliphi izwe elikuvumelayo e-US, futhi kuye ngezwe lapho inkampani ibhaliswe khona, imithetho ehlukene iyasebenza kuyo.

Ukusungula inkampani enomkhawulo kuyinqubo elula ethatha izinsuku ezimbalwa futhi ayidingi ukubamba ikhadi eliluhlaza noma ubuzwe baseMelika. Izizathu zokuthenga izimpahla ngenkampani enesibopho esilinganiselwe zilele eqinisweni lokuthi ngale ndlela izimpahla nekhephithali yangasese yomtshali-zimali ivikelekile futhi yinkampani kuphela ekwazi ukuthola izimangalo.

Ngaphezu kwalokho, izintela ezinkampanini ezibophezelekile ezilinganiselwe ziphansi kunezokutshalwa kwezimali ezizimele uma kuziwa entela yenzuzo evela ekuthengisweni kwendawo esikhathini esizayo, okufanayo mayelana nentela yemali engenayo evela endaweni (ngaphezulu mayelana nezakhiwo. uhlelo lwentela e-United States ngezansi).

esigabeni sokuqala senqubo Umtshali-zimali uhlangana nabamele izinkampani ezithengisa izindlu ezisebenza kulo lonke elase-US. Inhloso yomhlangano ukuhlonza izidingo ezihlukahlukene zeklayenti ukuze limtholele indawo ezonikeza impendulo efanelekile emigomweni yakhe yokutshala izimali futhi ihlangabezane nezidingo nezidingo zalo ngendlela efanele. Kuze kube manje, abameleli bazozama ukuqonda ukuthi iyiphi isabelomali umtshali-zimali afisa ukutshala kuso, lapho afisa ukuthola indawo yokutshala izimali, uhlobo luni lwempahla afisa ukuyithenga, njll. Ngemva kokuhlonza izidingo nezidingo zekhasimende, linikezwa izipesheli zezakhiwo ezahlukene.

Ikhasimende lingakwazi futhi ukuthola izakhiwo ngokuzimela. Izinkampani ezithengisa izindlu zizomsiza kulokhu, zize zimphelekezele ekufakeni isicelo sokuthenga indawo.

 

Luqhutshwa kanjani uhlelo lokuthenga indawo?

1. Ukuthengwa kwangempela kwendawo, umtshali-zimali kudingeka akhiphe idokhumenti, eyaziwa ngokuthi i-POF (Ubufakazi Besikhwama). Umbhalo, odwetshwe wakhishwa yibhange lapho umtshali-zimali ene-akhawunti, uwubufakazi bokuthi umtshali-zimali unezimali zokuthenga indawo. Lapho umtshali-zimali enesamba esiphelele sokuthenga (kanye nokulungiswa, uma kudingekile), ikhophi noma ikhophi yesitatimende se-akhawunti kufanele ilethwe. Uma umtshali-zimali ethathe imali ebolekiwe ngenjongo yokutshala imali, kufanele ethule idokhumenti evela kumbolekisi kanye nenani lemali mboleko ayithathile.

2. Esinyathelweni sesibili, umnikelo kufanele uhanjiswe kumthengisi wendawo kanye nedokhumenti eqinisekisa ikhono lezezimali lomtshali-zimali lokuthenga indawo. Kulesi sigaba umtshali-zimali kungase kudingeke ukuthi akhokhe kusengaphambili. Umthengisi unesibopho sokuphendula kuye phakathi nesikhathi esilinganiselwe, esishiwo esicelweni.

3. Ngesikhathi esifanayo nesigaba sesibili, ubuqotho besakhiwo kufanele buqinisekiswe futhi kuthunyelwe umbiko wokukhubazeka, owaziwa ngokuthi i-POS, ochaza kabanzi ukuthi yiziphi izinto okufanele zilungiswe ukuze kugunyazwe indawo yokuhlala. Ukuhlola kwenziwa umhloli ovela kumasipala wendawo.

4. Kulesi sigaba, umtshali-zimali angase adlulisele osonkontileka endaweni ngenjongo yokuthola izipesheli zamanani ukuze alungise amaphutha atholakala kuyo, futhi ahlole ngokusekelwe kulokhu okunikezwayo ukuthi ingabe kufanelekile futhi kunenzuzo kuye ukutshala imali.

5. Esinyathelweni esilandelayo, kufinyelelwa esivumelwaneni nomthengisi ngentengo yokuthenga, futhi umdayisi asayine isithembiso esilethwe umthengi. Kusukela kulo mzuzu kuya phambili, izinhlangothi zinezinsuku ezintathu onazo lapho zingaphonsela inselelo inkontileka, ngokuvamile ngommeli. Ngemva kokusayina inkontileka, indawo ihlolwa yiNkampani Yetayitela.

6. Ekupheleni kwenqubo yokuthenga, ukuze kuvalwe isivumelwano, umtshali-zimali kudingeka anakekele wonke amadokhumenti kanye nezimali ezihlobene nokwenza ukuthenga. Kulesi sigaba, bonke abathintekayo basayina wonke amafomu adingekayo, imali yendawo ingena kwi-akhawunti ye-escrow yenkampani yeTitle, idlulisele kumdayisi, bese ubunikazi bendawo budluliswa.

7. Eduze nesigaba sokuvala, ukuhlolwa kokugcina kwendawo kuyenziwa ukuze kuqinisekiswe ukuthi isimo saso asishintshile kusukela kusayinwe inkontileka yokuthenga. Ngaphezu kwalokho, ngokuhambisana nomthetho wase-USA, umuntu kufanele anakekele ukuthenga umshwalense wekhaya futhi axazulule indaba yemali mboleko yendlu uma yathathwa. Ngemva kwalokho ungaqala inqubo yokuvuselela (uma kudingeka).

Ngenxa yebanga elikhulu phakathi kwe-Israel ne-USA, kuvamile ukuthi ngemva kokuthenga, kusetshenziswa inkampani yokuphatha, enakekela ukunakekelwa okuqhubekayo kwendawo. Umsebenzi wenkampani wukubheka indawo, inakekele futhi ibhekelele konke okuhlobene nokuyiqashisa, kusukela ekutholeni abaqashi kuya ekubhekaneni nezinkinga ezingase zivele. Izimali zokuphatha zenkampani zikhokhwa ngerenti.

Yini okuthakaselayo?

Inkampani yezindlu ezithengiswayo futhi kuze kube manje isebenza ngokubambisana nezinkampani ezihamba phambili emkhakheni, ezihlinzeka ngezinsizakalo eziyingqayizivele emphakathini ngamanani amahle kakhulu.
Zonke izinkonzo zigadwa ithimba lesayithi futhi ukwethembeka kwazo kuhlolwa noma nini.

Isayithi lethu ledili lilayisha amadili ngokuqondile kubathengisi nsuku zonke. Futhi, unesizindalwazi sezinkampani ezimaketha izakhiwo e-USA.

Izinhlobonhlobo zezifundo zokuqeqesha emkhakheni wezindlu ezithengiswayo ezizokuvumela ukuthi uthole ulwazi lobungcweti lokutshalwa kwezimali kwangasese noma uhlanganyele kulo mkhakha.

Thola ukunikezwa okukhangayo ukuze uxhase ukutshalwa kwezimali. Abeluleki abakhulu bezezimali bangakwazi ukutshala izimali ezingaphezu kuka-$100.

Uhlelo lokufunda oluku-inthanethi nokuqondisa, oluqondiswa mathupha abeluleki abangochwepheshe nabanolwazi, oluzokunikeza ulwazi lokuthenga izindlu ezithengiswayo ngempumelelo.

Ungatshali imali ngaphambi kokuthola umbiko ophelele! Ngaphambi nje kokutshala imali, woza uthole umbiko wokuhlaziya ohlinzeka ngedatha enembile yendawo.

Ukuthumela i-imeyili, i-podcast, uxhaso ezingqungqutheleni zeForamu nokunye. Izinkampani zizuza ezinhlobonhlobo zamaphakheji ahlukile wokukhangisa ezethameli zabatshalizimali.

Intela yezindlu e-US - ingakanani intela olindeleke ukuthi uyikhokhe?

* Inkokhelo yentela yendawo - E-United States, umnikazi wefulethi ukhokha intela yendawo, futhi kudingeka ukuthi ayikhokhe ngisho noma indawo ingahlali muntu. Intela yendawo ikhokhwa kumasipala kanye njalo ezinyangeni ezi-3, futhi inani layo lincike enanini lesakhiwo kanye nohlelo lwentela lwesifunda.

* Izindleko zomshuwalense wendawo - Ikhokhwa kanye ngonyaka noma ngezitolimende zanyanga zonke. Izindleko zincike kububanzi benqubomgomo, inani lendawo, njll., futhi ingase ihluke ngokwesilinganiso phakathi kuka-$30 no-$100 ngenyanga.

* Ikomidi leNdlu - Uma uthenga ifulethi esakhiweni noma efulethini, kudingeka ukhokhe izindleko zokunakekela indlu, ukulungisa, njll.

* Imali Yokuphatha - zikhokhelwa inkampani yabaphathi kusukela eziqashweni eziqoqayo kubaqashi. Ngokuvamile izindleko zisuka ku-8% ziye ku-10% werenti.

* Intela yemali engenayo evela eziqashisweni kanye nentela yenzuzo enkulu - Abakwa-Israel abangabanikazi bezindlu ezithengiswayo e-US bakhokhiswa intela e-United States nase-Israel. Intela ikhokhiswa emalini engenayo ephuma erentini, futhi esikhathini esizayo lapho indawo isithengiswa kusukela enzuzweni elindelekile ngokudayiswa, abatshalizimali kuzodingeka bakhokhe intela yenzuzo enkulu. Isivumelwano sentela esasayinwa phakathi kwe-Israel ne-US futhi sibeka kuqala okwesibili kuzo uma kuziwa kubatshalizimali bakwa-Israel abangabanikazi bezimpahla, siqinisekisa abatshalizimali ukuthi bagweme izintela eziphindwe kabili.

* Intela yefa - E-US kunentela yefa ezimpahleni ezitholakala e-United States, ngisho noma umnikazi engesona isakhamuzi noma isakhamuzi saseMelika. Incazelo yale ntela iwukuthi uma umnikazi wendawo efa, izindlalifa zakhe kuyodingeka zikhokhe intela enanini lesakhiwo kuze kufike ku-35%. Kunezindlela ezehlukene zokweqa le ntela njengokusungula inkampani yangaphandle okuzobhaliswa ngegama layo indawo, kodwa lapho isakhiwo sithengiswa inkampani enjalo izokhokhiswa intela yenzuzo enkulu kunesakhiwo esibhaliswe kumuntu ngamunye ngenani lentengo. ka-35% esikhundleni sika-15%. Enye inketho okufanele icatshangelwe, isibonelo uma umtshali-zimali esekhulile noma enezinkinga zempilo, ukubhalisa impahla kusengaphambili egameni lezindlalifa ezizayo.

Izindleko ezitholwayo zamafulethi, anjengomshwalense, ukunakekelwa okujwayelekile, njll., zibonwa e-US ngezinjongo zentela, ngakho-ke umuntu osungule i-LLC egameni lakhe kudingeka ukuthi alethe umbiko wentela e-US njalo ngonyaka, ekhombisa konke inzuzo nokulahlekelwa. Ezimeni lapho amagama amaningana abhaliswe egameni lenkampani, inkokhelo yentela izokhokhiswa ngokulingana nobunikazi bayo enkampanini.

Inani lentela eliyisiko e-USA lisuka ku-10% liye ku-35% kuye ngamazinga entela, futhi ukuze kuthunyelwe imibiko umtshali-zimali kuzodingeka akhokhe amakhulu ambalwa amadola.

Singobani?

I-Nadlan Group ihlinzeka ngesambulela sonke sezixazululo kubatshalizimali base-USA Real Estate - abantu bendawo, noma abantu bangaphandle. Siboleka ama-broker ngamakhulu ababolekisi - senza indali phakathi kwabo bonke ababolekisi ukuze sikutholele imali mboleko engcono kakhulu e-US - futhi wonke amabhange ethu aphinde asebenze nabantu Bangaphandle. Sinesikole se-Real Estate futhi sifundisa i-Buy & Hold, Fix & Flip, Multi Family, Wholesaling, Land. I-AirBNB nokunye, sinomphakathi oqinile wamashumi ezinkulungwane zabantu, iwebhusayithi yenethiwekhi nohlelo lokusebenza, siqhuba imihlangano emikhulu ye-Real Estate & Expo's, sihlinzeka ngokumaketha kwezinkampani ze-Real Estate, futhi singabakhi bezindawo Zokwakha Ezintsha & eziqhutshwayo. Imikhiqizo eminingi yomndeni. Enkampanini yethu yokuxhasa ngezimali siphinde sivule ama-Akhawunti Ebhange ukude ngaphandle kwesidingo sokundiza siye e-US, sivule ama-LLC futhi ngenkampani yethu yezindlu ezibolekiwe sinikeza izixazululo zezimali kubantu bangaphandle kanye nabaseMelika abatshala imali emakethe yezindlu yase-US. Sinikeza isiqondiso somuntu siqu kanye nenkundla yendali ethuthukisiwe ukusiza amaklayenti avikele ukunikezwa kwezimali okungcono kakhulu okuvela ezinkampanini eziningi. Inkampani yethu iphinde inikeze ukwesekwa okuqhubekayo kuze kutholakale uxhaso.

Sinikela ngo-10% wayo yonke imali yethu engenayo.

Ozakwethu bebhizinisi baseMelika kanye nezinkampani zethu zokuphatha izakhiwo zemindeni eminingi zijoyine uhlu lwezinkampani ezikhula ngokushesha ezingu-5000 eMelika unyaka wesithathu ilandelana.

Izinkampani Zethu:

www.NadlanForum.com - Isizinda Sethu Esiyinhloko - Inethiwekhi Yomphakathi Yabatshalizimali, Imibhalo, Ukuqondisa, Izifundo

www.NadlanCapitalGroup.com - Uxhaso Lwezimali Lwezindlu Zabatshalizimali Bangaphandle Nezakhamuzi ZaseMelika - Buyisela Indali Yezindlu Zokubolekwa ukuze Uthole Izilinganiso Ezinhle Kakhulu

www.NadlanMarketing.com - Inkampani Yethu Yokuthengisa Yamafemu Ahlobene Nezindlu

www.NadlanUniversity.com - Phila Uhlelo Lokucebisa Izakhiwo

www.NadlanCourse.com - Isifundo Sokuqoshwa Kwezakhiwo Nezindlu Ezingama-70+

www.NadlanNewConstruction.www - Ukuthuthukiswa Kwezakhiwo Ezintsha Zokwakha kulo lonke elase-US

www.NadlanInvest.com - Yakha Iphrofayili Yakho Yokutshalwa Kwezimali futhi Thola Iminikelo Ecacisiwe Yedili

Nadlan.InvestNext.Com - Ingosi Yethu Yokutshalwa Kwezimali Yokuhwebelana Kwemindeni Eminingi & Izidili Ezintsha Zokwakha

www.NadlanDeals.com - Iwebhusayithi Yethu Yezidili Zezindlu

www.NadlanExpo.com - Ingqungquthela yethu yaminyaka yonke yeNadlan Expo

www.NadlanAnalyst.com - Oda Umbiko Wokuhlaziya Izindlu Zomhlaba ukuze Uthenge Okulandelayo Ukuze Utshale Imali Ehlakaniphile

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Amafayela angaphezu kuka-500, izivumelwano nemibiko

Inkundla yokuthengiselana evela emazweni angama-50

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ukuze uthole utshalomali oluhlakaniphile

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