Izindleko zokuvala kuyisici esibalulekile uma ucabangela ukuthenga ekhaya eMiami noma eNingizimu Florida. Eqinisweni, ucwaningo lwamuva lweBhangeRate.com lubonise ukuthi i-Miami inezindleko zokuvala eziphezulu kakhulu zanoma yikuphi imakethe yezindlu zangempela ezweni, elinganiselwa ku $ 3,683 ngo-2008.
Izindleko zokuvala i-Miami
Yiziphi izindleko zokuvala ongalindela ukukhokha lapho uthenga indawo eMami? Ake sibheke ngayinye yalezi zingxenye:
- Izitamphu Zomqulu (Amadokhumenti Amadokhumenti) Ngezenzo : Naphezu kwegama labo elingenacala, izitembu ze-doc zingenye yezindleko zokuvala ezibizayo ozothola kuzo. Zihlolwe ngesikhathi sokurekhoda ukudluliswa kwakho kwezenzo futhi ziyi-$ 0.60 ngemali engu- $ 100 yemali yasendlini. Qaphela ukuthi lesi sinani siseMiami-Dade County kuphela. Zonke ezinye izifunda zaseFlorida zikhokhisa isilinganiso se- $ 0.70 nge $ 100.
- Izitatimende Zomqulu (Amadokhumenti Amadokhumenti) ku-Mortgage : Uzodinga futhi ukhokhe izitembu ze-doc ukurekhoda imali ekhokhelwa ekhaya. Izitembu ze-Mortgage doc zigijima u- $ 0.35 ngemali engu-100 yenani lemali elibolekiwe.
- Intela engabonakali kwi-Mortgage : Indawo yakho izophinde ikuhlole i-$ 0.20 yentela engama-$ 100 engabonakali ngenani elibolekwe ngesikweletu sakho
- Imali yokuqopha : Umhloli wesifunda uzokukhokhela ekhasini ngalinye lamadokhumenti orekhodile njengengxenye yokuthenga kwakho ekhaya ngezinga lika-$ 10 ekhasini lokuqala kanye no-$ 8.50 ekhasini ngalinye elengeziwe. Lindela ukufaka phakathi kwamakhasi angu-10 njengengxenye yokuthenga ekhaya.
- Umshwalense wesihloko: Umshuwalense wesihloko uvikela wena ngokumelene namaphutha kwinqubo yombhalo engase iphazamise amalungelo akho wobunikazi esikhathini esizayo. Umshuwalense wesihloko eFlorida usebenza ngesakhiwo esinqunyiwe esilinganiselwe esisekelwe entengo yokuthenga yekhaya lakho. Amanani ahlolwe imali eyizigidi ezingu-1 000 zezindleko zekhaya lakho ngokulandela isimiso esilandelayo:
- I $ 100,000 yokuqala: $ 5.57 nge $ 1,000
- $ 100,000- $ 1,000,000: $ 5.00 nge $ 1,000
- $ 1-5 Million: $ 2.50 nge $ 1,000
- $ 5- $ 10 Million: $ 2.25 nge $ 1,000
- Ngaphezulu kwamaRandi ayizigidi ezingu-10: $ 2.00 nge $ 1,000
Zonke ezinye izindleko zokuvala (njengezindleko zesevisi, izimali zokuhlola, kanye nezindleko zokuphatha) zinokuqonda futhi zingaxoxisana nomklomelo wakho.
Isibonelo
Ake sicabange ukuthi uthenga indlu engu-$ 200,000 eMijumeni waseDade nge-$ 180,000 yokuthenga impahla. Izindleko zakho zokuvala izamba zingama $ 3,504, ngezigaba ezilandelayo:
- Izitembu zeDed Doc: $ 1,200
- Izitembu ze-Mortgage Doc: $ 700
- I-Mortgage Tax Engabonakali: $ 400
- Imali yokuqopha (ngamakhasi angu-15): $ 129
- Umshwalense wesihloko: $ 1,075
Lokho kuyizingxenye eziyisisekelo zezindleko zokuvala i-Miami.