Iimfuneko zokuthenga indlu eMelika . Rhoqo ngonyaka amawaka abantu bamanye amazwe bathenga ipropathi eMelika. Siyathemba ukuba esi sikhokelo sisebenza njengolwazi lwasemva, ngelixa udibana nommeli onamava kunye neqela ukukunceda ngakumbi.
Yintoni endiyifunayo ukuthenga indlu eMelika?
Indlela ezenziwa ngayo izinto zokuthengiswa kwezindlu e-United States zinokwahluka kwilizwe lakho. Urhulumente ngamnye unemigaqo yakhe phantse kuyo yonke imiba yenkqubo, kuyacetyiswa ukuba uqokelele iqela elinamava labathengisi, amagqwetha, abathengisi bemali mboleko kunye nababali zincwadi ukuze babonisane apha endleleni. Mhlawumbi umahluko obaluleke kakhulu eMelika zezi zilandelayo:
- E-United States, iiarhente zezindlu kunye nokwabelana ngolwazi malunga nepropathi. Abathengi, njengawe, banokufikelela kulolo lwazi lunye besebenzisa iisayithi zokuthengisa izindlu nomhlaba ezinje Zillow . Kwiindawo ezininzi zehlabathi, iiarhente zigcina uluhlu kwaye abathengi kufuneka baye kwiarhente baye kwiarhente ukuya kukhangela kunye nokuthelekisa iipropathi.
- E-United States, ngumthengisi ohlawula imali iarhente (okt ikhomishini yentengiso) . Kwamanye amazwe amaninzi, nguwe oya kuhlawula iarhente ukuba iphonononge iipropathi kwaye ikubonise ngeenxa zonke.
- E-United States, iiarhente zezindlu nomhlaba zifuna ilayisensi yokusebenza. Imithetho yelayisensi yelizwe ngalinye yahlukile malunga neenkcukacha zelayisensi. Jonga ilizwe kunye nemimiselo yalo ngolwazi oluthe kratya.
Abaphambukeli banokuthenga phantse naluphi na uhlobo lwepropathi eMelika (amakhaya osapho olunye, iikhondomu, ii-duplexes, i-triplexes, i-quadruplexes, izindlu zedolophu, njl. . Ukwahluka kwakho kuphela kukuthenga ookopolotyeni okanye ookopolotyeni bezindlu.
Inyathelo lokuqala
Phambi kokuqala uphendlo lwepropathi yakho, kubalulekile ukwazi ukuba ufuna ntoni kule ndlu:
- Ngeeholide?
- Ngelixa besenza ishishini eMelika?
- Yenzelwe abantwana bakho, ngelixa befunda kwikholeji yaseMelika?
- Utyalo-mali?
Iimpendulo zale mibuzo ziya kukhokela ukukhangela kunye nentengiso.
Inkqubo
Iimfuneko zokuthenga indlu. Amanyathelo ngokubanzi, inkqubo, kunye neenkcukacha zokuthenga iarhente eunited States zahluke kancinane kunamanye amazwe.
- Wenza isithembiso kwaye wenza isivumelwano.
- Umthengisi ukubonelela ngamaxwebhu achazayo, ingxelo yokuqala yetayitile, iikopi zeengxelo zedolophu, nawo nawaphi na amaxwebhu engingqi.
- Ubeka isixa esithile semali kwixabiso lokuthenga. Kulapho usebenza khona nebhanki (okanye abanye ababolekisi) ukuze ufumane imali-mboleko.
- Ukuvalwa okunokwenzeka kwiofisi yegqwetha okanye kwiarhente yokuhamba kwenkampani yetayitile. Ngamanye amaxesha, umthengi kunye nomthengisi batyikitya amaxwebhu okuvala ngokwahlukeneyo. Kuzo zonke iimeko, cwangcisa ukusayina inqwaba yamaxwebhu xa kuvalwa. Kwakhona lindela ukuhlawula iifizi ezongezelelweyo zesihloko kunye nokukhangelwa kwe-inshurensi, iifizi zomthetho, kunye nemirhumo yobhaliso eyongeza i-1-2.25% eyongezelelweyo kwintengiselwano iyonke. Ke kwikhaya le- $ 300,000, oku kusebenza kwenye i- $ 3,000 ubuncinci.
Unako okanye ungafuni ukuya e-US ukuvala. Kwimeko yamva, kufuneka utyikitye iGunya lamaGqwetha, apho ugunyazisa omnye umntu ukuba akumele kwaye atyikitye egameni lakho.
Ukujonga umthengisi wezindlu
Ukufumana iarhente yakho egqibeleleyo, uya kufuna ukwenza oku kulandelayo:
- Cela ukuthunyelwa kubahlobo okanye kubantu obathembayo.
- Khangela iiwebhusayithi
- Khangela iirejista zezindlu nomhlaba
- Qinisekisa ukuba iarhente inelayisensi. Unokuphatha isiQinisekiso seNgcali yePropati yeHlabathi esiQinisekisiweyo ( IINKCUKACHA ), Oko kuthetha ukuba uthathe ezinye izifundo. Okona kubheja kwakho kukufuna iingcali zepropathi eziqinisekisiweyo zamanye amazwe ukunceda abantu bamanye amazwe bathenge amakhaya.
- Qhagamshelana nezalathiso kunye novavanyo.
Unokufuna kwakhona ifayile ye- Ummeli wezindlu nomhlaba . Unokujonga ikhontrakthi yentengiso yakho, aqinisekise itayitile kunye namanye amaxwebhu ahambelana nokuthenga kwakho, kwaye akucebise ngemicimbi yezomthetho neyerhafu enxulumene nepropathi yakho.
Uyifumana njani imali
Ngamaxabiso obambiso asezantsi kakhulu, abathengi abaninzi bamanye amazwe bakhetha ukuxhasa ngemali ukuthengwa kwabo. Kwelinye icala, bambalwa ababolekisi eUnited States ababonelela ngemali mboleko yasekhaya kubathengi bangaphandle. Konke malunga nokufumana umbolekisi olungileyo.
Lindela isazisi sakho, umvuzo, kunye nembali yekhredithi ukuba iphinde ihlaziywe kakuhle. Yazi nokuba ababoleki bamanye amazwe bahlawula inzala ephezulu kancinci kunabahlali baseMelika.
Ukuphumelela esona sivumelwano sihle, uya kufuna oku kulandelayo ngokulandelelana:
- Inombolo yesazisi yomntu ngamnye ethatha umrhafisi ( I-ITIN ), eyabelwe abantu bamanye amazwe abasebenza okwethutyana okanye abahlala okwethutyana e-US.
- Ubuncinci iindlela ezimbini zokuzazisa, ezinjengepasipoti esebenzayo kunye nelayisensi yokuqhuba. Kuxhomekeke kubuzwe, abanye abathengi kufuneka babonise i-B-1 okanye i-B-2 (undwendwe) visa.
- Amaxwebhu abonisa umvuzo owaneleyo.
- Iingxelo zebhanki zeenyanga ezintathu ubuncinci.
- Iileta zesalathiso esivela kwibhanki yakho okanye kumaziko emboleko.
- Uninzi lweebhanki lufuna ababoleki bamanye amazwe abafanelekileyo ukuba bahlawule ubuncinci iipesenti ezingama-30 zexabiso lekhaya kwangaphambili. . Oku kunokuba yimali, nangona intengiselwano yemali engaphezulu kwe- $ 10,000 ixelwe kurhulumente wobumbano ukuqinisekisa ukuba imali ifunyenwe ngokusemthethweni. Imigaqo yemali mboleko iyahluka kwiibhanki ezininzi ezifuna ukuba ubuncinci ube ne-100,000 kwiakhawunti yakho, ngelixa abanye bebeka umda kwimali mboleko kwisigidi esinye okanye ezibini.
Zonke iibhanki ezithembakeleyo zaseMelika zibonelela ngeendlela ezahlukeneyo zokuthenga ngemali mboleko ekhuselekileyo nefikelelekayo, kubandakanya nemali mboleko engenanzala yamaSilamsi.
Irhafu
Unokuphela uhlawula iintlobo ezimbini zerhafu kuloo propati:
- Kwilizwe lakho lasekhaya, kuxhomekeke ekubeni ilizwe lakho linomnqophiso werhafu ne-United States. Nxibelelana negqwetha lerhafu eliqheleneyo nomnqophiso nelizwe lakho ukufumana isikhokelo.
- Ukuya eUnited States kwirhafu yengeniso yaseMelika kuyo nayiphi na ingeniso yomnatha efunyenwe kwipropathi yerenti. Uya kuhlawula iifizi zikarhulumente kunye nezomdibaniso.
Isixa serhafu sepropathi siyahluka ngurhulumente nakummandla Ukusuka kumakhulu ambalwa eedola ukuya kumawaka eedola ngonyaka, kuxhomekeke kwindawo kunye nexabiso lepropathi. Kuxhomekeka kwilizwe labo lokuzalwa, abanye abathengi bamanye amazwe bazifumana ezi rhafu ziphakamile, abanye babafanelekela njengexabiso eliphantsi. Iirhafu zepropathi yeManhattan ziyafikeleleka ngokuchaseneyo neLondon neHong Kong.
Nje ukuba ube nekhontrakthi eqinisekisiweyo
ukuya) Ukuhlolwa kwekhaya: Eli lithuba loMthengi lokwenza uhlolo ngalunye olubalulekileyo kuMthengi. Qiniseka ukuba uxoxa ngeXesha lokuHlolwa koMthengi kunye nearhente yomthengi xa ubhala isithembiso sokuthenga.
Ixesha lokuhlolwa komthengi liqala ukwamkelwa kwesivumelwano kwaye siphelelwe lixesha njengoko kuchaziwe kwisivumelwano sokuthenga. Ixesha eliqhelekileyo lokuhlola ziintsuku ezili-14 emva kokwamkelwa kwesivumelwano. Ubuncinci, uMthengi uya kuyalela kwaye enze uvavanyo lokuhlola ikhaya. Oku kuhlawulwa ngokubanzi ngumthengi. Naluphi na ukulungiswa okuyimfuneko kuyaxoxwa ngako phakathi komthengi kunye nomthengisi.
b) Ukuhlolwa kweenkuni (iintubi) inokwenzeka ngeli xesha okanye isatifikethi esinikezwe ngumthengisi (oku kungahluka phakathi kwamazwe)
c) Ipeyinti esekwe kwilothe: oku, ukuba kukho imfuneko, kufuneka kwenziwe ngeli xesha ukuba indlu yakhiwe ngaphambi kowe-1978 (oku kungahluka phakathi kwamazwe)
d) Uvavanyo: Oku kwenziwa yinkampani yokubambisa / kumbolekisi ukuqinisekisa ukuba ipropathi lixabisa isixa semali osibolekayo.
Vala isivumelwano:
a) Le yinkqubo egqithisela ubunini bePropathi kunye nesihloko kunye neNgxowa-mali ukusuka kwintengiso iye kumaqela afanelekileyo. Oku kwahlukile phakathi kwamazwe- umrhwebi wakho / umenzeli uya kukwazisa malunga nendlela kunye namaqela achaphazelekayo.
Siyavuyisana nawe!
a) Intengiselwano yokuthengiswa kwezindlu kunye nomhlaba igqityiwe kwaye lixesha lokuba ungene kwikhaya lakho elitsha!
Iziqulatho